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I had you booked in just for a pretty quick catch up today just following the conversation we had last in regards to your insurances. Is now still a good time for you? Yep. Perfect. And do I have Alan there with you as well, or will he kind of join later? Okay. No. That's all good. The only thing I kind of needed to confirm with both of you is just you have the just different numbers listed for assets and liabilities. So it's just confirming that with the two of you. That's basically all I need him for. He's already sent through all the other questions, which is great. So I can just start with you, and then we can kind of loop that in. And you guys have a public holiday today? Yeah. Wonderful. Well, I won't keep you for too long. But, essentially, it was just to confirm if you've had a bit of a a think about what you wanted to do with your life and total permanent disability insurance and what your thought was in regards to that. Mhmm. Yep. Yep. No. And you are pretty self insured, so that is good. We will link that out. Now, basically, the other thing or the last thing really was just confirming the assets and liabilities and then get you guys booked in for the actual strategies together. So can Alan hear me or if you are able to repeat it and confirm, I don't mind. Whatever works. Oh, beautiful. Yeah. You guys can both hear me? Yep. Beautiful. Hi, Ellen. How are you? That's good. Thank you so much for sending through all that information as well in the email. That was great. So, basically, the only thing I kind of needed to confirm with both of you is just the value of your assets and liabilities because I do have here a little bit different. So it's just to confirm that I have the right information, and then it's literally just to get you guys booked in for your SOA together. So you guys are happy for me to go through the different assets that you guys have outlined individually? Yep. Okay. Perfect. Now with your property, I have here that, Alan, you said it's worth 1,000,000, and Quinn, you said 900,000. Do you know one mil? Beautiful. Yeah. Okay. Perfect. And while she grabs that, Alan, do you wanna confirm the mortgage? So I have here either 400 or $4.04 8. Yes. Mhmm. Because I have 448 from you. Okay. Oh, beautiful. Thank you. If you can just do your loan first, so not factoring in the offset. So just on the loan, which is an 103. And do you guys own that 50 50? $4.00 3. Yes. Yep. Perfect. Yep. Beautiful. And then offset. So offset, I have 443. 403. Perfect. Now investment portfolio from yourself, I have that $1.90. Is that your individual one, or is that one that you guys have jointly? Okay. Because I have here from Crane through ten. Yes. Yes. Yep. I do have that one. Yeah. Perfect. And, yeah, obviously, it's luxuries as well. That's fine. Just so I can kind of narrow it down anyway. Yep. Twenty eighteen. Yep. Perfect. And that one is $50.50 as well? Yep. Perfect. And then, obviously, separate to that, I have Queen's staff already. I already have all of that compared. Now I also have joint cash of $2.20. Is that correct? Mhmm. Yep. Oh, yes. Yes. Beautiful. Mhmm. Mhmm. Okay. Yep. $9.90. Yep. $24,000. Beautiful. Thank you so much. Let me see here. Yep. Perfect. And then the cash, was that around the $2.20? Okay. Beautiful. And then, Alan, for you, I have a motor vehicle at 15,000, and for Quinn, for you, 7. Beautiful. Is that the one you guys have together? Yeah. Okay. Yeah. Perfect. Seven. And that's jointly owned as well? Yes. Yep. Yes. Okay. Perfect. Great. Perfect. So the only kind of separate thing that I have so everything is basically completely together aside from I have an investment account for Quinn for about 48 and then also the cash emergency for Quinn's mom at about 65. Everything else oh, sorry. Sorry. Quinn, cash at 25,000 as well. Is that all correct? Okay. Perfect. Anything else I've missed? Nope. That's all good. Alright. Perfect. Now it will take me about a week and a half to put together the research for both of you. And I am considering a few different contribution strategies for you, Alan. So I will consider the salary sacrifice, what we should do from that point of view, or whether we do it as a lump sum, but I will do all that research and let you know in detail in the document. So let me see here. When is a good time for you guys the week starting of the June 22? On the Monday so far, I can see my morning is pretty full, but I could do from 02:30. Would that work? Pardon? Okay. Because if mornings is better, I could do Wednesday the twenty fourth in the morning. Mhmm. So if I'm pretty flexible, I could do any time from 08:30 till about twelve. That is better. Eight thirty. Would that work for both of you? Yep. It's now. It's the same, thankfully. But, yes, when they'd say, like, saving, it's a it's a nightmare sometimes. But, yes, 08:30 for both of us. Alright. Beautiful. So that is Wednesday, June 24 at 08:30. And if you guys can have access to your emails at the time, that would be great because I will send you a brochure a document with all the strategies and everything to go through. And it is quite a big one. So if you guys could allocate a little bit of time, that would be good. Obviously, you guys have time to review everything in detail afterwards. But, yeah, that would that would be great. Perfect. Now that was basically everything I needed to confirm this morning. So pretty nice and easy. But do you guys have any questions for me otherwise at this point? Yes. Yes. So in the actual advice piece that I will go through on the twenty fourth, I will outline exactly what they are. But for an upfront so upfront, that would just be for yourself because, obviously, Alan is already in client, So he paid that was he came on board. It is 3.3% of your super balance. But I will include exactly what that is in the advice fee. Now it is capped at a 150,000, and your suit balance is higher. So the max will be $4.09 $5.00. But, again, I will show you exactly what it is in the document. And for the ongoing advice fee, now, typically, that is 1.65 from superannuation. But because we are looking at both of you, so if it is that when you do decide that you want to become a client, that will be reduced for both of you to make it a bit more affordable, and that will be down to 1.1 for both of you. But, again, I will show you exactly what that looks in terms of the dollar value and how that impacts everything in that research paper. Does that make sense? Mhmm. No. You don't pay anything until you decide if you would like to come on board. You only pay if you sign that document and say, yep. I would like to go ahead. If I do all the research and you go, no. It's not for me right now. There is no fees at all for you. There is no additional fees for Alan because that's all just that ongoing advice fee. Yeah. No. No. That's all good. Any other questions before I let you guys go and enjoy the rest of your day off? No? Okay. No problem at all. Well, I look forward to speaking with you both on Wednesday, the twenty fourth at 08:30AM. You too. We'll speak soon. 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morning, Quinn. This is Veronica from Financial. How are you? Yeah. Good.\n\nThanks. I had you booked in just for a pretty quick catch up today just following the conversation we had last in regards to your insurances. Is now still a good time for you? Yep. Perfect.\n\nAnd do I have Alan there with you as well, or will he kind of join later? Okay. No. That's all good. The only thing I kind of needed to confirm with both of you is just you have the just different numbers listed for assets and liabilities.\n\nSo it's just confirming that with the two of you. That's basically all I need him for. He's already sent through all the other questions, which is great. So I can just start with you, and then we can kind of loop that in. And you guys have a public holiday today?\n\nYeah. Wonderful. Well, I won't keep you for too long. But, essentially, it was just to confirm if you've had a bit of a a think about what you wanted to do with your life and total permanent disability insurance and what your thought was in regards to that. Mhmm.\n\nYep. Yep. No. And you are pretty self insured, so that is good. We will link that out.\n\nNow, basically, the other thing or the last thing really was just confirming the assets and liabilities and then get you guys booked in for the actual strategies together. So can Alan hear me or if you are able to repeat it and confirm, I don't mind. Whatever works. Oh, beautiful. Yeah.\n\nYou guys can both hear me? Yep. Beautiful. Hi, Ellen. How are you?\n\nThat's good. Thank you so much for sending through all that information as well in the email. That was great. So, basically, the only thing I kind of needed to confirm with both of you is just the value of your assets and liabilities because I do have here a little bit different. So it's just to confirm that I have the right information, and then it's literally just to get you guys booked in for your SOA together.\n\nSo you guys are happy for me to go through the different assets that you guys have outlined individually? Yep. Okay. Perfect. Now with your property, I have here that, Alan, you said it's worth 1,000,000, and Quinn, you said 900,000.\n\nDo you know one mil? Beautiful. Yeah. Okay. Perfect.\n\nAnd while she grabs that, Alan, do you wanna confirm the mortgage? So I have here either 400 or $4.04 8. Yes. Mhmm. Because I have 448 from you.\n\nOkay. Oh, beautiful. Thank you. If you can just do your loan first, so not factoring in the offset. So just on the loan, which is an 103.\n\nAnd do you guys own that 50 50? $4.00 3. Yes. Yep. Perfect.\n\nYep. Beautiful. And then offset. So offset, I have 443. 403.\n\nPerfect. Now investment portfolio from yourself, I have that $1.90. Is that your individual one, or is that one that you guys have jointly? Okay. Because I have here from Crane through ten.\n\nYes. Yes. Yep. I do have that one. Yeah.\n\nPerfect. And, yeah, obviously, it's luxuries as well. That's fine. Just so I can kind of narrow it down anyway. Yep.\n\nTwenty eighteen. Yep. Perfect. And that one is $50.50 as well? Yep.\n\nPerfect. And then, obviously, separate to that, I have Queen's staff already. I already have all of that compared. Now I also have joint cash of $2.20. Is that correct?\n\nMhmm. Yep. Oh, yes. Yes. Beautiful.\n\nMhmm. Mhmm. Okay. Yep. $9.90.\n\nYep. $24,000. Beautiful. Thank you so much. Let me see here.\n\nYep. Perfect. And then the cash, was that around the $2.20? Okay. Beautiful.\n\nAnd then, Alan, for you, I have a motor vehicle at 15,000, and for Quinn, for you, 7. Beautiful. Is that the one you guys have together? Yeah. Okay.\n\nYeah. Perfect. Seven. And that's jointly owned as well? Yes.\n\nYep. Yes. Okay. Perfect. Great.\n\nPerfect. So the only kind of separate thing that I have so everything is basically completely together aside from I have an investment account for Quinn for about 48 and then also the cash emergency for Quinn's mom at about 65. Everything else oh, sorry. Sorry. Quinn, cash at 25,000 as well.\n\nIs that all correct? Okay. Perfect. Anything else I've missed? Nope.\n\nThat's all good. Alright. Perfect. Now it will take me about a week and a half to put together the research for both of you. And I am considering a few different contribution strategies for you, Alan.\n\nSo I will consider the salary sacrifice, what we should do from that point of view, or whether we do it as a lump sum, but I will do all that research and let you know in detail in the document. So let me see here. When is a good time for you guys the week starting of the June 22? On the Monday so far, I can see my morning is pretty full, but I could do from 02:30. Would that work?\n\nPardon? Okay. Because if mornings is better, I could do Wednesday the twenty fourth in the morning. Mhmm. So if I'm pretty flexible, I could do any time from 08:30 till about twelve.\n\nThat is better. Eight thirty. Would that work for both of you? Yep. It's now.\n\nIt's the same, thankfully. But, yes, when they'd say, like, saving, it's a it's a nightmare sometimes. But, yes, 08:30 for both of us. Alright. Beautiful.\n\nSo that is Wednesday, June 24 at 08:30. And if you guys can have access to your emails at the time, that would be great because I will send you a brochure a document with all the strategies and everything to go through. And it is quite a big one. So if you guys could allocate a little bit of time, that would be good. Obviously, you guys have time to review everything in detail afterwards.\n\nBut, yeah, that would that would be great. Perfect. Now that was basically everything I needed to confirm this morning. So pretty nice and easy. But do you guys have any questions for me otherwise at this point?\n\nYes. Yes. So in the actual advice piece that I will go through on the twenty fourth, I will outline exactly what they are. But for an upfront so upfront, that would just be for yourself because, obviously, Alan is already in client, So he paid that was he came on board. It is 3.3% of your super balance.\n\nBut I will include exactly what that is in the advice fee. Now it is capped at a 150,000, and your suit balance is higher. So the max will be $4.09 $5.00. But, again, I will show you exactly what it is in the document. And for the ongoing advice fee, now, typically, that is 1.65 from superannuation.\n\nBut because we are looking at both of you, so if it is that when you do decide that you want to become a client, that will be reduced for both of you to make it a bit more affordable, and that will be down to 1.1 for both of you. But, again, I will show you exactly what that looks in terms of the dollar value and how that impacts everything in that research paper. Does that make sense? Mhmm. No.\n\nYou don't pay anything until you decide if you would like to come on board. You only pay if you sign that document and say, yep. I would like to go ahead. If I do all the research and you go, no. It's not for me right now.\n\nThere is no fees at all for you. There is no additional fees for Alan because that's all just that ongoing advice fee. Yeah. No. No.\n\nThat's all good. Any other questions before I let you guys go and enjoy the rest of your day off? No? Okay. No problem at all.\n\nWell, I look forward to speaking with you both on Wednesday, the twenty fourth at 08:30AM. You too. We'll speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Quinn.","start":0.24,"end":2.56,"sentiment":"neutral","sentiment_score":0.1731551910440127},{"text":"This is Veronica from Financial.","start":2.56,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.15048064589500426},{"text":"How are you?","start":4.4,"end":5.22,"sentiment":"neutral","sentiment_score":0.18225707113742828},{"text":"Yeah.","start":6.8799996,"end":7.2799997,"sentiment":"neutral","sentiment_score":0.26178401708602905},{"text":"Good.","start":7.2799997,"end":7.68,"sentiment":"positive","sentiment_score":0.5042566657066345}],"sentiment":"neutral","sentiment_score":0.1988215922163083,"num_words":13,"start":0.24,"end":7.68},{"sentences":[{"text":"Thanks.","start":7.68,"end":8.18,"sentiment":"positive","sentiment_score":0.5715944766998291},{"text":"I had you booked in just for a pretty quick catch up today just following the conversation we had last in regards to your 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good.","start":32.13,"end":33.09,"sentiment":"positive","sentiment_score":0.343415766954422},{"text":"The only thing I kind of needed to confirm with both of you is just you have the just different numbers listed for assets and liabilities.","start":33.09,"end":39.510002,"sentiment":"neutral","sentiment_score":0.10393603633229549}],"sentiment":"neutral","sentiment_score":0.12462311641623576,"num_words":48,"start":20.595001,"end":39.510002},{"sentences":[{"text":"So it's just confirming that with the two of you.","start":39.57,"end":42.075,"sentiment":"neutral","sentiment_score":0.2051292598247528},{"text":"That's basically all I need him for.","start":42.075,"end":43.755,"sentiment":"neutral","sentiment_score":0.2164795015539442},{"text":"He's already sent through all the other questions, which is great.","start":43.755,"end":46.575,"sentiment":"positive","sentiment_score":0.5395635122602637},{"text":"So I can just start with you, and then we can kind of loop that 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that.","start":58.97,"end":69.55,"sentiment":"neutral","sentiment_score":0.04607883329765919},{"text":"Mhmm.","start":71.005,"end":71.505,"sentiment":"neutral","sentiment_score":0.05760646611452103}],"sentiment":"neutral","sentiment_score":0.050418532900512215,"num_words":50,"start":54.890003,"end":71.505},{"sentences":[{"text":"Yep.","start":72.284996,"end":72.784996,"sentiment":"neutral","sentiment_score":0.06485377252101898},{"text":"Yep.","start":77.085,"end":77.16499,"sentiment":"neutral","sentiment_score":0.08377256244421005},{"text":"No.","start":77.16499,"end":77.405,"sentiment":"neutral","sentiment_score":0.050608713179826736},{"text":"And you are pretty self insured, so that is good.","start":77.405,"end":80.84499,"sentiment":"neutral","sentiment_score":0.2156933605670929},{"text":"We will link that out.","start":80.84499,"end":82.94499,"sentiment":"neutral","sentiment_score":0.11440068185329437}],"sentiment":"neutral","sentiment_score":0.16267622572680315,"num_words":18,"start":72.284996,"end":82.94499},{"sentences":[{"text":"Now, basically, the other thing or the last thing really was just confirming the assets and liabilities and then get you guys booked in for the actual strategies together.","start":84.86,"end":93.2,"sentiment":"neutral","sentiment_score":0.09036970575307977},{"text":"So can Alan hear me or if you are able to repeat it and confirm, I don't mind.","start":93.659996,"end":100.195,"sentiment":"neutral","sentiment_score":-0.011543606097499529},{"text":"Whatever works.","start":100.195,"end":101.174995,"sentiment":"neutral","sentiment_score":0.024490956217050552},{"text":"Oh, beautiful.","start":106.835,"end":107.494995,"sentiment":"neutral","sentiment_score":0.285100057721138},{"text":"Yeah.","start":116.689995,"end":116.85,"sentiment":"neutral","sentiment_score":0.0216838289052248}],"sentiment":"neutral","sentiment_score":0.058726969497421615,"num_words":52,"start":84.86,"end":116.85},{"sentences":[{"text":"You guys can both hear me?","start":116.85,"end":118.31,"sentiment":"neutral","sentiment_score":0.017335218222190935},{"text":"Yep.","start":119.409996,"end":119.909996,"sentiment":"neutral","sentiment_score":0.14497295022010803},{"text":"Beautiful.","start":119.97,"end":120.47,"sentiment":"positive","sentiment_score":0.4137876331806183},{"text":"Hi, Ellen.","start":120.77,"end":121.49,"sentiment":"neutral","sentiment_score":0.2524247020483017},{"text":"How are you?","start":121.49,"end":122.31,"sentiment":"neutral","sentiment_score":0.19452964762846628}],"sentiment":"neutral","sentiment_score":0.13470847997814417,"num_words":13,"start":116.85,"end":122.31},{"sentences":[{"text":"That's good.","start":124.064995,"end":124.704994,"sentiment":"positive","sentiment_score":0.5999017953872681},{"text":"Thank you so much for sending through all that information as well in the email.","start":124.704994,"end":128.94499,"sentiment":"positive","sentiment_score":0.7227404832839965},{"text":"That was great.","start":128.94499,"end":129.845,"sentiment":"positive","sentiment_score":0.7965536713600159},{"text":"So, basically, the only thing I kind of needed to confirm with both of you is just the value of your assets and liabilities because I do have here a little bit different.","start":131.185,"end":139.61,"sentiment":"neutral","sentiment_score":0.12663390803517718},{"text":"So it's just to confirm that I have the right information, and then it's literally just to get you guys booked in for your SOA together.","start":139.91,"end":146.25,"sentiment":"neutral","sentiment_score":0.2956373588396953}],"sentiment":"neutral","sentiment_score":0.33286154619123365,"num_words":79,"start":124.064995,"end":146.25},{"sentences":[{"text":"So you guys are happy for me to go through the different assets that you guys have outlined individually?","start":146.79,"end":153.285,"sentiment":"neutral","sentiment_score":0.2879423263825868},{"text":"Yep.","start":155.02501,"end":155.425,"sentiment":"neutral","sentiment_score":0.10398899763822556},{"text":"Okay.","start":155.425,"end":155.90501,"sentiment":"neutral","sentiment_score":0.16053643822669983},{"text":"Perfect.","start":155.90501,"end":156.40501,"sentiment":"neutral","sentiment_score":0.2532303035259247},{"text":"Now with your property, I have here that, Alan, you said it's worth 1,000,000, and Quinn, you said 900,000.","start":156.46501,"end":167.25,"sentiment":"neutral","sentiment_score":0.05893208772728318}],"sentiment":"neutral","sentiment_score":0.17337486847508243,"num_words":41,"start":146.79,"end":167.25},{"sentences":[{"text":"Do you know one mil?","start":167.54999,"end":173.32999,"sentiment":"neutral","sentiment_score":0.00020411163568496705},{"text":"Beautiful.","start":186.28499,"end":186.78499,"sentiment":"neutral","sentiment_score":0.24763059616088867},{"text":"Yeah.","start":187.245,"end":187.745,"sentiment":"neutral","sentiment_score":0.07233040034770966},{"text":"Okay.","start":187.965,"end":188.465,"sentiment":"neutral","sentiment_score":0.08163091540336609},{"text":"Perfect.","start":188.84499,"end":189.325,"sentiment":"neutral","sentiment_score":0.11933918297290802}],"sentiment":"neutral","sentiment_score":0.05799462811814414,"num_words":9,"start":167.54999,"end":189.325},{"sentences":[{"text":"And while she grabs that, Alan, do you wanna confirm the 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you.","start":218.535,"end":219.515,"sentiment":"neutral","sentiment_score":0.23019513487815857},{"text":"If you can just do your loan first, so not factoring in the offset.","start":225.54,"end":230.44,"sentiment":"neutral","sentiment_score":0.01679215087954487},{"text":"So just on the loan, which is an 103.","start":230.74,"end":235.0,"sentiment":"neutral","sentiment_score":0.014374070490399996}],"sentiment":"neutral","sentiment_score":0.04450642520428768,"num_words":28,"start":211.335,"end":235.0},{"sentences":[{"text":"And do you guys own that 50 50?","start":235.065,"end":241.965,"sentiment":"neutral","sentiment_score":0.006397921475581825},{"text":"$4.00 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yeah, obviously, it's luxuries as well.","start":294.67502,"end":296.83502,"sentiment":"neutral","sentiment_score":0.26666191646030973},{"text":"That's fine.","start":296.83502,"end":297.655,"sentiment":"neutral","sentiment_score":0.15534504503011703},{"text":"Just so I can kind of narrow it down anyway.","start":297.875,"end":300.45502,"sentiment":"neutral","sentiment_score":0.06736433394253254},{"text":"Yep.","start":314.86502,"end":315.36502,"sentiment":"neutral","sentiment_score":0.027159929275512695}],"sentiment":"neutral","sentiment_score":0.15550174191594124,"num_words":21,"start":294.195,"end":315.36502},{"sentences":[{"text":"Twenty eighteen.","start":321.265,"end":322.08502,"sentiment":"neutral","sentiment_score":0.018718400970101357},{"text":"Yep.","start":322.385,"end":322.885,"sentiment":"neutral","sentiment_score":0.05238957703113556},{"text":"Perfect.","start":323.745,"end":324.245,"sentiment":"neutral","sentiment_score":0.17150083184242249},{"text":"And that one is $50.50 as well?","start":324.465,"end":326.64502,"sentiment":"neutral","sentiment_score":0.07635377081377166},{"text":"Yep.","start":328.38,"end":328.86002,"sentiment":"neutral","sentiment_score":0.11716602742671968}],"sentiment":"neutral","sentiment_score":0.0760808028280735,"num_words":12,"start":321.265,"end":328.86002},{"sentences":[{"text":"Perfect.","start":328.86002,"end":329.36002,"sentiment":"neutral","sentiment_score":0.2473793178796768},{"text":"And then, obviously, separate to that, I have Queen's staff already.","start":329.90002,"end":333.18002,"sentiment":"neutral","sentiment_score":0.09158460524949161},{"text":"I already have all of that compared.","start":333.18002,"end":334.88,"sentiment":"neutral","sentiment_score":0.09949712987457003},{"text":"Now I also have joint cash of $2.20.","start":335.5,"end":339.44,"sentiment":"neutral","sentiment_score":0.0340230786241591},{"text":"Is that correct?","start":339.5,"end":340.32,"sentiment":"neutral","sentiment_score":0.03698520238200823}],"sentiment":"neutral","sentiment_score":0.07781433736284574,"num_words":30,"start":328.86002,"end":340.32},{"sentences":[{"text":"Mhmm.","start":344.875,"end":345.375,"sentiment":"neutral","sentiment_score":0.02367386780679226},{"text":"Yep.","start":348.23502,"end":348.73502,"sentiment":"neutral","sentiment_score":0.05168359726667404},{"text":"Oh, 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you so much.","start":382.52,"end":383.66,"sentiment":"positive","sentiment_score":0.8413572311401367},{"text":"Let me see here.","start":385.8,"end":386.94,"sentiment":"neutral","sentiment_score":0.22245651111006737}],"sentiment":"positive","sentiment_score":0.4739349884065715,"num_words":11,"start":376.185,"end":386.94},{"sentences":[{"text":"Yep.","start":387.08,"end":387.47998,"sentiment":"neutral","sentiment_score":0.12216798961162569},{"text":"Perfect.","start":387.47998,"end":387.96,"sentiment":"positive","sentiment_score":0.4249863028526306},{"text":"And then the cash, was that around the $2.20?","start":387.96,"end":391.1,"sentiment":"neutral","sentiment_score":0.02967370529141691},{"text":"Okay.","start":395.755,"end":396.23502,"sentiment":"neutral","sentiment_score":0.23185957968235016},{"text":"Beautiful.","start":396.23502,"end":396.73502,"sentiment":"positive","sentiment_score":0.5234465599060059}],"sentiment":"neutral","sentiment_score":0.1207325984365665,"num_words":13,"start":387.08,"end":396.73502},{"sentences":[{"text":"And then, Alan, for you, I have a motor vehicle at 15,000, and for Quinn, for you, 7.","start":397.83502,"end":406.65503,"sentiment":"neutral","sentiment_score":0.03882094783087572},{"text":"Beautiful.","start":410.85,"end":411.35,"sentiment":"positive","sentiment_score":0.3591254651546478},{"text":"Is that the one you guys have 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the only kind of separate thing that I have so everything is basically completely together aside from I have an investment account for Quinn for about 48 and then also the cash emergency for Quinn's mom at about 65.","start":431.815,"end":451.665,"sentiment":"neutral","sentiment_score":0.06149477832950652},{"text":"Everything else oh, sorry.","start":452.045,"end":453.405,"sentiment":"neutral","sentiment_score":0.02257168246433139},{"text":"Sorry.","start":453.405,"end":453.725,"sentiment":"neutral","sentiment_score":0.01004116889089346},{"text":"Quinn, cash at 25,000 as well.","start":453.725,"end":456.765,"sentiment":"neutral","sentiment_score":0.04183422867208719}],"sentiment":"neutral","sentiment_score":0.06452143115278047,"num_words":52,"start":430.695,"end":456.765},{"sentences":[{"text":"Is that all correct?","start":456.765,"end":457.905,"sentiment":"neutral","sentiment_score":0.06056935340166092},{"text":"Okay.","start":458.285,"end":458.785,"sentiment":"neutral","sentiment_score":0.13405340909957886},{"text":"Perfect.","start":459.42,"end":459.9,"sentiment":"positive","sentiment_score":0.36213088035583496},{"text":"Anything else I've missed?","start":459.9,"end":461.52,"sentiment":"neutral","sentiment_score":0.07339512463659048},{"text":"Nope.","start":464.14,"end":464.46,"sentiment":"neutral","sentiment_score":-0.0492497943341732}],"sentiment":"neutral","sentiment_score":0.08934476429765875,"num_words":11,"start":456.765,"end":464.46},{"sentences":[{"text":"That's all good.","start":464.46,"end":465.26,"sentiment":"neutral","sentiment_score":0.3249851365884145},{"text":"Alright.","start":465.26,"end":465.66,"sentiment":"neutral","sentiment_score":0.21193568408489227},{"text":"Perfect.","start":465.66,"end":466.16,"sentiment":"positive","sentiment_score":0.379245400428772},{"text":"Now it will take me about a week and a half to put together the research for both of you.","start":467.58002,"end":475.29498,"sentiment":"neutral","sentiment_score":0.11088423989713192},{"text":"And I am considering a few different contribution strategies for you, Alan.","start":475.675,"end":480.79498,"sentiment":"neutral","sentiment_score":0.08601522942384084}],"sentiment":"neutral","sentiment_score":0.13016227149480097,"num_words":37,"start":464.46,"end":480.79498},{"sentences":[{"text":"So I will consider the salary sacrifice, what we should do from that point of view, or whether we do it as a lump sum, but I will do all that research and let you know in detail in the 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work?","start":522.22003,"end":523.12,"sentiment":"neutral","sentiment_score":0.0038439476241668067}],"sentiment":"neutral","sentiment_score":0.05906416893184903,"num_words":83,"start":480.79498,"end":523.12},{"sentences":[{"text":"Pardon?","start":526.555,"end":527.035,"sentiment":"neutral","sentiment_score":-0.1004486009478569},{"text":"Okay.","start":527.035,"end":527.535,"sentiment":"neutral","sentiment_score":-0.019014518707990646},{"text":"Because if mornings is better, I could do Wednesday the twenty fourth in the morning.","start":527.595,"end":532.415,"sentiment":"neutral","sentiment_score":0.02003402995566527},{"text":"Mhmm.","start":536.39496,"end":536.89496,"sentiment":"neutral","sentiment_score":0.011166740208864212},{"text":"So if I'm pretty flexible, I could do any time from 08:30 till about twelve.","start":539.1,"end":545.04,"sentiment":"neutral","sentiment_score":0.07828847964604696}],"sentiment":"neutral","sentiment_score":0.0414103413508697,"num_words":33,"start":526.555,"end":545.04},{"sentences":[{"text":"That is better.","start":549.91504,"end":550.895,"sentiment":"neutral","sentiment_score":0.14854834228754044},{"text":"Eight thirty.","start":552.555,"end":553.195,"sentiment":"neutral","sentiment_score":0.039244867861270905},{"text":"Would that work for both of you?","start":553.195,"end":554.815,"sentiment":"neutral","sentiment_score":0.046787798404693604},{"text":"Yep.","start":555.91504,"end":556.41504,"sentiment":"neutral","sentiment_score":0.04193442314863205},{"text":"It's now.","start":558.47504,"end":558.955,"sentiment":"neutral","sentiment_score":-0.027367400005459785}],"sentiment":"neutral","sentiment_score":0.05592326497038205,"num_words":15,"start":549.91504,"end":558.955},{"sentences":[{"text":"It's the same, thankfully.","start":558.955,"end":559.91504,"sentiment":"neutral","sentiment_score":-0.00599427055567503},{"text":"But, yes, when they'd say, like, saving, it's a it's a nightmare sometimes.","start":559.91504,"end":563.135,"sentiment":"neutral","sentiment_score":-0.28348245987525356},{"text":"But, yes, 08:30 for both of us.","start":563.57,"end":566.47,"sentiment":"neutral","sentiment_score":0.03672184848359653},{"text":"Alright.","start":566.61,"end":567.09,"sentiment":"neutral","sentiment_score":0.3174377381801605},{"text":"Beautiful.","start":567.09,"end":567.59,"sentiment":"positive","sentiment_score":0.4743731915950775}],"sentiment":"neutral","sentiment_score":-0.10232250736309932,"num_words":26,"start":558.955,"end":567.59},{"sentences":[{"text":"So that is Wednesday, June 24 at 08:30.","start":567.65,"end":572.79,"sentiment":"neutral","sentiment_score":0.2667834386229515},{"text":"And if you guys can have access to your emails at the time, that would be great because I will send you a brochure a document with all the strategies and everything to go through.","start":573.41,"end":583.515,"sentiment":"positive","sentiment_score":0.4953579374722072},{"text":"And it is quite a big one.","start":584.535,"end":586.215,"sentiment":"positive","sentiment_score":0.35941072021211895},{"text":"So if you guys could allocate a little bit of time, that would be good.","start":586.215,"end":590.7,"sentiment":"positive","sentiment_score":0.3594038089116414},{"text":"Obviously, you guys have time to review everything in detail afterwards.","start":590.94,"end":594.16003,"sentiment":"neutral","sentiment_score":0.17264507914131338}],"sentiment":"positive","sentiment_score":0.38523451797664165,"num_words":76,"start":567.65,"end":594.16003},{"sentences":[{"text":"But, yeah, that would that would be great.","start":595.42,"end":597.36,"sentiment":"positive","sentiment_score":0.39633268117904663},{"text":"Perfect.","start":599.02,"end":599.52,"sentiment":"positive","sentiment_score":0.686961829662323},{"text":"Now that was basically everything I needed to confirm this morning.","start":600.14,"end":602.7,"sentiment":"positive","sentiment_score":0.5085539682344957},{"text":"So pretty nice and easy.","start":602.7,"end":603.9,"sentiment":"positive","sentiment_score":0.7528614163398742},{"text":"But do you guys have any questions for me otherwise at this point?","start":603.9,"end":606.675,"sentiment":"neutral","sentiment_score":0.1442921614417663}],"sentiment":"positive","sentiment_score":0.39715321342411797,"num_words":38,"start":595.42,"end":606.675},{"sentences":[{"text":"Yes.","start":614.595,"end":615.095,"sentiment":"neutral","sentiment_score":0.014192957431077955},{"text":"Yes.","start":621.01,"end":621.25,"sentiment":"neutral","sentiment_score":0.07672657072544098},{"text":"So in the actual advice piece that I will go through on the twenty fourth, I will outline exactly what they are.","start":621.25,"end":627.83,"sentiment":"neutral","sentiment_score":0.07858161255717278},{"text":"But for an upfront so upfront, that would just be for yourself because, obviously, Alan is already in client, So he paid that was he came on board.","start":628.05,"end":636.755,"sentiment":"neutral","sentiment_score":0.0675579948084695},{"text":"It is 3.3% of your super balance.","start":636.815,"end":640.67505,"sentiment":"neutral","sentiment_score":0.05111686406391008}],"sentiment":"neutral","sentiment_score":0.06896876114404808,"num_words":59,"start":614.595,"end":640.67505},{"sentences":[{"text":"But I will include exactly what that is in the advice fee.","start":642.575,"end":647.61,"sentiment":"neutral","sentiment_score":0.0423628572995464},{"text":"Now it is capped at a 150,000, and your suit balance is higher.","start":647.85,"end":651.85,"sentiment":"neutral","sentiment_score":0.03308764845132828},{"text":"So the max will be $4.09 $5.00.","start":651.85,"end":654.51,"sentiment":"neutral","sentiment_score":0.034242059237190654},{"text":"But, again, I will show you exactly what it is in the document.","start":654.81,"end":657.87,"sentiment":"neutral","sentiment_score":0.04954668191763071},{"text":"And for the ongoing advice fee, now, typically, that is 1.65 from superannuation.","start":658.49,"end":665.405,"sentiment":"neutral","sentiment_score":0.044121577905920834}],"sentiment":"neutral","sentiment_score":0.04130819844531602,"num_words":58,"start":642.575,"end":665.405},{"sentences":[{"text":"But because we are looking at both of you, so if it is that when you do decide that you want to become a client, that will be reduced for both of you to make it a bit more affordable, and that will be down to 1.1 for both of you.","start":666.265,"end":681.07,"sentiment":"neutral","sentiment_score":0.08460683879606865},{"text":"But, again, I will show you exactly what that looks in terms of the dollar value and how that impacts everything in that research paper.","start":681.37,"end":688.75,"sentiment":"neutral","sentiment_score":0.04142839051783085},{"text":"Does that make sense?","start":690.155,"end":691.135,"sentiment":"neutral","sentiment_score":0.012261760421097279},{"text":"Mhmm.","start":692.715,"end":693.215,"sentiment":"neutral","sentiment_score":-0.005392080172896385},{"text":"No.","start":695.035,"end":695.435,"sentiment":"neutral","sentiment_score":-0.04943817853927612}],"sentiment":"neutral","sentiment_score":0.06518140639655473,"num_words":82,"start":666.265,"end":695.435},{"sentences":[{"text":"You don't pay anything until you decide if you would like to come on board.","start":695.435,"end":698.555,"sentiment":"neutral","sentiment_score":-0.005849485844373703},{"text":"You only pay if you sign that document and say, yep.","start":698.555,"end":701.835,"sentiment":"neutral","sentiment_score":0.0152715417471799},{"text":"I would like to go ahead.","start":701.835,"end":703.05,"sentiment":"neutral","sentiment_score":0.0724429984887441},{"text":"If I do all the research and you go, no.","start":703.13,"end":705.37,"sentiment":"neutral","sentiment_score":0.044204235821962354},{"text":"It's not for me right now.","start":705.37,"end":706.73,"sentiment":"neutral","sentiment_score":0.00448242574930191}],"sentiment":"neutral","sentiment_score":0.020496657816693187,"num_words":48,"start":695.435,"end":706.73},{"sentences":[{"text":"There is no fees at all for you.","start":706.73,"end":708.41,"sentiment":"neutral","sentiment_score":0.0809461041353643},{"text":"There is no additional fees for Alan because that's all just that ongoing advice fee.","start":708.41,"end":712.75,"sentiment":"neutral","sentiment_score":0.07738801389932633},{"text":"Yeah.","start":714.08997,"end":714.58997,"sentiment":"positive","sentiment_score":0.4102553725242615},{"text":"No.","start":714.89,"end":715.39,"sentiment":"neutral","sentiment_score":0.10954464972019196},{"text":"No.","start":715.53503,"end":715.85504,"sentiment":"neutral","sentiment_score":0.10144368559122086}],"sentiment":"neutral","sentiment_score":0.09344741343878783,"num_words":26,"start":706.73,"end":715.85504},{"sentences":[{"text":"That's all good.","start":715.85504,"end":716.995,"sentiment":"positive","sentiment_score":0.34022552768389386},{"text":"Any other questions before I let you guys go and enjoy the rest of your day off?","start":717.455,"end":722.115,"sentiment":"neutral","sentiment_score":0.27250488803667183},{"text":"No?","start":723.53503,"end":724.03503,"sentiment":"neutral","sentiment_score":0.15399521589279175},{"text":"Okay.","start":724.255,"end":724.755,"sentiment":"neutral","sentiment_score":0.27966731786727905},{"text":"No problem at all.","start":725.53503,"end":726.335,"sentiment":"neutral","sentiment_score":0.1774542536586523}],"sentiment":"neutral","sentiment_score":0.26141304723345316,"num_words":26,"start":715.85504,"end":726.335},{"sentences":[{"text":"Well, I look forward to speaking with you both on Wednesday, the twenty fourth at 08:30AM.","start":726.335,"end":731.3069,"sentiment":"positive","sentiment_score":0.6204756014049053},{"text":"You too.","start":734.34686,"end":734.90686,"sentiment":"positive","sentiment_score":0.4811694622039795},{"text":"We'll speak soon.","start":734.90686,"end":735.8069,"sentiment":"positive","sentiment_score":0.33479296167691547},{"text":"Bye.","start":736.1869,"end":736.6869,"sentiment":"neutral","sentiment_score":0.1898274123668671}],"sentiment":"positive","sentiment_score":0.5492797656492754,"num_words":22,"start":726.335,"end":736.6869}]}}]},{"alternatives":[{"transcript":"Hello. Quinn speaking. Good. Thanks. How are you? Yep. Mhmm. Yeah. Alright. Well, if you need him now, I can get him in now. But he's he's on standby, essentially. He's just making a coffee right now. Oh, okay. Yep. Yep. Yes. Yes. Mhmm. Mhmm. Yeah. I mean, pretty much we had a chat, and at this point in time, we don't there's no need to take out the insurances. Yep. Yep. Mhmm. Mhmm. I'll I'll come out to the dining room and just put you on speakerphone. Are you ready? Yeah. Oh, okay. You're on speakerphone now? Yes. Hi, Veronica. Yeah. I Yep. Yeah. That's fine. Yep. Mhmm. Probably back. It's probably closer to one now. Yeah. But Did did you have a housing rate? Is the value on that? There's a valuation, yeah, on our on our housing Hang on. Let me just grab that fine. The the council Valuation. Valuation. Okay. I did check this recently because I had I topped it up. One second. Let me I think it's actually lower now. I didn't update that value. It's 403 remaining. Wait. Do you need the do you want the offset amount, or do you want the loan amount? Yep. Sorry. Did you say I said 403. 403. Yeah. Okay. Yeah. Can we join on that? Yes. Yeah. So it's 402. Yep. It's joint. So Quinn has, like, a separate one, I think. Okay. Yeah. But so it depends on yeah. Okay. Hang on. Sorry. Let me just quickly log in. Yeah. Yep. Let's have a look. So our current oops. One second. Our current shared portfolio is It's supposed to be cash in there. Yeah. I know. I'm looking for the whole thing. Total is 218 thousand. Yeah. That one's $50.50. Yep. Mhmm. So that's changed a little, I think. Joint cash. One second. I've got our council rate notice, and they value the site. So they have a capital improved value, and then they have the site value, and then they have a net annual value. So the capital improved value is 1,080,000. The site value was 990, and the net annual value is 54,000. Yep. Yeah. Actually, I I just checked again. It is actually around the $2.20 mile. Yep. I looked it up. I googled it. It was 7. Oh, okay. Yeah. Yeah. So just go with Brandon's one. Yep. Yep. Yes. Express seven means that, like Yeah. That's what I was wondering. I think, like, for intents and purposes, it's totally shared. Yeah. Yep. Yep. Yep. Yeah. Yep. No. No. Yep. Yep. Okay. Yep. A Monday? Or Monday is bad for you? Monday is fine for you. But yeah. It's a little bit harder. I just used to When you say in the morning? What time in the morning? Yeah. So what's good for you? Yeah. Early is better. Okay. So at 08:30? Yep. Alright. 08:30 one six. Yep. That's our local time. Oh, wait. It's the same now, isn't it? Yeah. I have yeah. Yeah. Yep. Mhmm. Sure. Sounds good. Perfect. I think we just might can so because we talked briefly about fees, and I wasn't sure but I think you said you would confirm things through before. Perfect. Yep. Mhmm. Mhmm. Okay. Yes. Okay. Okay. Yep. So this initial research paper is I don't pay anything. Yes? Or Yep. Perfect. Thank you so much for confirming that. Nope. That's all perfect. Thank you so much, Veronica. Perfect. Thank you so much. Have a good day. Thank you. 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Quinn speaking. Good. Thanks. How are you?\n\nYep. Mhmm. Yeah. Alright. Well, if you need him now, I can get him in now.\n\nBut he's he's on standby, essentially. He's just making a coffee right now. Oh, okay. Yep. Yep.\n\nYes. Yes. Mhmm. Mhmm. Yeah.\n\nI mean, pretty much we had a chat, and at this point in time, we don't there's no need to take out the insurances. Yep. Yep. Mhmm. Mhmm.\n\nI'll I'll come out to the dining room and just put you on speakerphone. Are you ready? Yeah. Oh, okay. You're on speakerphone now?\n\nYes. Hi, Veronica. Yeah. I Yep. Yeah.\n\nThat's fine. Yep. Mhmm. Probably back. It's probably closer to one now.\n\nYeah. But Did did you have a housing rate? Is the value on that? There's a valuation, yeah, on our on our housing Hang on. Let me just grab that fine.\n\nThe the council Valuation. Valuation. Okay. I did check this recently because I had I topped it up. One second.\n\nLet me I think it's actually lower now. I didn't update that value. It's 403 remaining. Wait. Do you need the do you want the offset amount, or do you want the loan amount?\n\nYep. Sorry. Did you say I said 403. 403. Yeah.\n\nOkay. Yeah. Can we join on that? Yes. Yeah.\n\nSo it's 402. Yep. It's joint. So Quinn has, like, a separate one, I think. Okay.\n\nYeah. But so it depends on yeah. Okay. Hang on. Sorry.\n\nLet me just quickly log in. Yeah. Yep. Let's have a look. So our current oops.\n\nOne second. Our current shared portfolio is It's supposed to be cash in there. Yeah. I know. I'm looking for the whole thing.\n\nTotal is 218 thousand. Yeah. That one's $50.50. Yep. Mhmm.\n\nSo that's changed a little, I think. Joint cash. One second. I've got our council rate notice, and they value the site. So they have a capital improved value, and then they have the site value, and then they have a net annual value.\n\nSo the capital improved value is 1,080,000. The site value was 990, and the net annual value is 54,000. Yep. Yeah. Actually, I I just checked again.\n\nIt is actually around the $2.20 mile. Yep. I looked it up. I googled it. It was 7.\n\nOh, okay. Yeah. Yeah. So just go with Brandon's one. Yep.\n\nYep. Yes. Express seven means that, like Yeah. That's what I was wondering. I think, like, for intents and purposes, it's totally shared.\n\nYeah. Yep. Yep. Yep. Yeah.\n\nYep. No. No. Yep. Yep.\n\nOkay. Yep. A Monday? Or Monday is bad for you? Monday is fine for you.\n\nBut yeah. It's a little bit harder. I just used to When you say in the morning? What time in the morning? Yeah.\n\nSo what's good for you? Yeah. Early is better. Okay. So at 08:30?\n\nYep. Alright. 08:30 one six. Yep. That's our local time.\n\nOh, wait. It's the same now, isn't it? Yeah. I have yeah. Yeah.\n\nYep. Mhmm. Sure. Sounds good. Perfect.\n\nI think we just might can so because we talked briefly about fees, and I wasn't sure but I think you said you would confirm things through before. Perfect. Yep. Mhmm. Mhmm.\n\nOkay. Yes. Okay. Okay. Yep.\n\nSo this initial research paper is I don't pay anything. Yes? Or Yep. Perfect. Thank you so much for confirming that.\n\nNope. That's all perfect. Thank you so much, Veronica. Perfect. Thank you so much.\n\nHave a good day. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.24,"end":0.48,"sentiment":"neutral","sentiment_score":0.21420787274837497},{"text":"Quinn speaking.","start":0.48,"end":1.38,"sentiment":"neutral","sentiment_score":0.14776227623224258},{"text":"Good.","start":5.3599997,"end":5.68,"sentiment":"positive","sentiment_score":0.49341726303100586},{"text":"Thanks.","start":5.68,"end":6.0,"sentiment":"positive","sentiment_score":0.542567253112793},{"text":"How are 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okay.","start":47.105003,"end":47.765003,"sentiment":"neutral","sentiment_score":0.13250147551298141},{"text":"Yep.","start":48.705,"end":48.945,"sentiment":"neutral","sentiment_score":0.07619325816631317},{"text":"Yep.","start":48.945,"end":49.445,"sentiment":"neutral","sentiment_score":0.07300423085689545}],"sentiment":"neutral","sentiment_score":0.09720622397520963,"num_words":17,"start":28.59,"end":49.445},{"sentences":[{"text":"Yes.","start":54.065002,"end":54.465,"sentiment":"neutral","sentiment_score":0.04000638797879219},{"text":"Yes.","start":54.465,"end":54.87,"sentiment":"neutral","sentiment_score":0.04774943366646767},{"text":"Mhmm.","start":55.19,"end":55.69,"sentiment":"neutral","sentiment_score":0.1090635508298874},{"text":"Mhmm.","start":59.27,"end":59.77,"sentiment":"neutral","sentiment_score":0.05412672460079193},{"text":"Yeah.","start":69.805,"end":70.125,"sentiment":"neutral","sentiment_score":0.05226260423660278}],"sentiment":"neutral","sentiment_score":0.06064174026250839,"num_words":5,"start":54.065002,"end":70.125},{"sentences":[{"text":"I mean, pretty much we had a chat, and at this point in time, we don't there's no need to take out the insurances.","start":70.125,"end":76.384995,"sentiment":"neutral","sentiment_score":0.012421416506792108},{"text":"Yep.","start":76.84499,"end":77.34499,"sentiment":"neutral","sentiment_score":0.07837342470884323},{"text":"Yep.","start":79.80499,"end":80.30499,"sentiment":"positive","sentiment_score":0.33587199449539185},{"text":"Mhmm.","start":81.325,"end":81.825,"sentiment":"neutral","sentiment_score":0.1073792353272438},{"text":"Mhmm.","start":94.01,"end":94.51,"sentiment":"neutral","sentiment_score":-0.005039822310209274}],"sentiment":"neutral","sentiment_score":0.02909638672801001,"num_words":28,"start":70.125,"end":94.51},{"sentences":[{"text":"I'll I'll come out to the dining room and just put you on speakerphone.","start":99.825,"end":106.005,"sentiment":"neutral","sentiment_score":0.03632363038403647},{"text":"Are you 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Yep.","start":122.91,"end":140.56999,"sentiment":"neutral","sentiment_score":0.3002876490354538},{"text":"Yeah.","start":154.15,"end":154.47,"sentiment":"neutral","sentiment_score":0.08733387291431427}],"sentiment":"neutral","sentiment_score":0.17597998625465802,"num_words":7,"start":118.51,"end":154.47},{"sentences":[{"text":"That's fine.","start":154.47,"end":155.11,"sentiment":"neutral","sentiment_score":0.13320276886224747},{"text":"Yep.","start":155.11,"end":155.445,"sentiment":"neutral","sentiment_score":0.0985032320022583},{"text":"Mhmm.","start":168.085,"end":168.57,"sentiment":"neutral","sentiment_score":0.00921944249421358},{"text":"Probably back.","start":168.97,"end":169.61,"sentiment":"neutral","sentiment_score":-0.011704600416123867},{"text":"It's probably closer to one now.","start":169.61,"end":171.55,"sentiment":"neutral","sentiment_score":-0.002928003824005524}],"sentiment":"neutral","sentiment_score":0.027762582370390494,"num_words":12,"start":154.47,"end":171.55},{"sentences":[{"text":"Yeah.","start":171.85,"end":172.35,"sentiment":"neutral","sentiment_score":0.006172556430101395},{"text":"But Did did you have a housing rate?","start":172.41,"end":176.67001,"sentiment":"neutral","sentiment_score":-0.00487977871671319},{"text":"Is the value on that?","start":176.81001,"end":178.19,"sentiment":"neutral","sentiment_score":-0.005977648310363293},{"text":"There's a valuation, yeah, on our on our housing Hang on.","start":178.41,"end":181.53001,"sentiment":"neutral","sentiment_score":0.006778718882494352},{"text":"Let me just grab that fine.","start":181.53001,"end":183.21,"sentiment":"neutral","sentiment_score":0.037372409055630364}],"sentiment":"neutral","sentiment_score":0.007614401522122564,"num_words":31,"start":171.85,"end":183.21},{"sentences":[{"text":"The the council Valuation.","start":183.46,"end":186.285,"sentiment":"neutral","sentiment_score":0.06125963479280472},{"text":"Valuation.","start":186.66501,"end":187.16501,"sentiment":"neutral","sentiment_score":0.13268673419952393},{"text":"Okay.","start":187.625,"end":188.125,"sentiment":"neutral","sentiment_score":0.05215167999267578},{"text":"I did check this recently because I had I topped it up.","start":198.98,"end":202.65999,"sentiment":"neutral","sentiment_score":0.01928150064001481},{"text":"One second.","start":202.65999,"end":203.4,"sentiment":"neutral","sentiment_score":0.0042174882255494595}],"sentiment":"neutral","sentiment_score":0.03348449687473476,"num_words":20,"start":183.46,"end":203.4},{"sentences":[{"text":"Let me I think it's actually lower now.","start":203.45999,"end":209.29999,"sentiment":"neutral","sentiment_score":-0.031850229715928435},{"text":"I didn't update that value.","start":209.29999,"end":210.84,"sentiment":"neutral","sentiment_score":-0.04377010613679886},{"text":"It's 403 remaining.","start":213.28499,"end":216.905,"sentiment":"neutral","sentiment_score":0.026450223599871},{"text":"Wait.","start":220.165,"end":220.565,"sentiment":"neutral","sentiment_score":0.05142754688858986},{"text":"Do you need the do you want the offset amount, or do you want the loan amount?","start":220.565,"end":224.825,"sentiment":"neutral","sentiment_score":0.003772435401675894}],"sentiment":"neutral","sentiment_score":-0.00819831614396261,"num_words":34,"start":203.45999,"end":224.825},{"sentences":[{"text":"Yep.","start":228.16,"end":228.66,"sentiment":"neutral","sentiment_score":0.03068160079419613},{"text":"Sorry.","start":238.895,"end":239.215,"sentiment":"neutral","sentiment_score":-0.018126463517546657},{"text":"Did you say I said 403.","start":239.215,"end":241.795,"sentiment":"neutral","sentiment_score":-0.014666070230305195},{"text":"403.","start":243.935,"end":244.575,"sentiment":"neutral","sentiment_score":0.005022570490837097},{"text":"Yeah.","start":244.575,"end":244.815,"sentiment":"neutral","sentiment_score":0.015659378841519356}],"sentiment":"neutral","sentiment_score":-0.005475933477282524,"num_words":10,"start":228.16,"end":244.815},{"sentences":[{"text":"Okay.","start":244.815,"end":245.315,"sentiment":"neutral","sentiment_score":0.028653867542743683},{"text":"Yeah.","start":245.375,"end":245.695,"sentiment":"neutral","sentiment_score":0.09047581255435944},{"text":"Can we join on that?","start":245.695,"end":247.295,"sentiment":"neutral","sentiment_score":0.16871897131204605},{"text":"Yes.","start":247.295,"end":247.795,"sentiment":"neutral","sentiment_score":0.1169355809688568},{"text":"Yeah.","start":255.42,"end":255.74,"sentiment":"neutral","sentiment_score":0.03280574828386307}],"sentiment":"neutral","sentiment_score":0.12360731843445036,"num_words":9,"start":244.815,"end":255.74},{"sentences":[{"text":"So it's 402.","start":255.74,"end":257.36002,"sentiment":"neutral","sentiment_score":0.03757950974007448},{"text":"Yep.","start":259.42,"end":259.92,"sentiment":"neutral","sentiment_score":0.08562391251325607},{"text":"It's joint.","start":278.885,"end":279.625,"sentiment":"neutral","sentiment_score":0.016422484070062637},{"text":"So Quinn has, like, a separate one, I 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Monday?","start":506.83,"end":507.40997,"sentiment":"neutral","sentiment_score":-0.03412276227027178},{"text":"Or Monday is bad for you?","start":508.59,"end":510.12997,"sentiment":"neutral","sentiment_score":-0.16285403817892075},{"text":"Monday is fine for you.","start":510.18997,"end":511.515,"sentiment":"neutral","sentiment_score":0.058000761270523074}],"sentiment":"neutral","sentiment_score":-0.04415215589106083,"num_words":15,"start":491.275,"end":511.515},{"sentences":[{"text":"But yeah.","start":512.555,"end":513.375,"sentiment":"neutral","sentiment_score":0.00720510259270668},{"text":"It's a little bit harder.","start":524.635,"end":525.85504,"sentiment":"neutral","sentiment_score":-0.3131240665912628},{"text":"I just used to When you say in the morning?","start":527.95996,"end":535.33997,"sentiment":"neutral","sentiment_score":0.0005249622277915478},{"text":"What time in the morning?","start":536.44,"end":537.74,"sentiment":"neutral","sentiment_score":0.01901659294962883},{"text":"Yeah.","start":545.735,"end":546.215,"sentiment":"neutral","sentiment_score":0.133528932929039}],"sentiment":"neutral","sentiment_score":-0.057276026426774006,"num_words":23,"start":512.555,"end":546.215},{"sentences":[{"text":"So what's good for you?","start":546.215,"end":548.055,"sentiment":"neutral","sentiment_score":0.1898080050945282},{"text":"Yeah.","start":548.055,"end":548.375,"sentiment":"neutral","sentiment_score":0.11106042563915253},{"text":"Early is better.","start":548.375,"end":549.515,"sentiment":"neutral","sentiment_score":0.10950955251852672},{"text":"Okay.","start":549.655,"end":550.155,"sentiment":"neutral","sentiment_score":0.13091640174388883},{"text":"So at 08:30?","start":550.295,"end":551.995,"sentiment":"neutral","sentiment_score":0.08944221834341685}],"sentiment":"neutral","sentiment_score":0.13752862811088562,"num_words":13,"start":546.215,"end":551.995},{"sentences":[{"text":"Yep.","start":552.055,"end":552.42,"sentiment":"neutral","sentiment_score":0.04043029248714447},{"text":"Alright.","start":552.57996,"end":553.07996,"sentiment":"neutral","sentiment_score":0.055607520043849945},{"text":"08:30 one six.","start":553.22,"end":554.42,"sentiment":"neutral","sentiment_score":0.05205760647853216},{"text":"Yep.","start":554.42,"end":554.92,"sentiment":"neutral","sentiment_score":0.04441741853952408},{"text":"That's our local time.","start":555.62,"end":556.98,"sentiment":"neutral","sentiment_score":0.044016726315021515}],"sentiment":"neutral","sentiment_score":0.0472694955766201,"num_words":10,"start":552.055,"end":556.98},{"sentences":[{"text":"Oh, wait.","start":556.98,"end":557.3,"sentiment":"neutral","sentiment_score":-0.007042520679533482},{"text":"It's the same now, isn't it?","start":557.3,"end":558.33997,"sentiment":"neutral","sentiment_score":-0.0005623627609262867},{"text":"Yeah.","start":558.33997,"end":558.57996,"sentiment":"neutral","sentiment_score":-0.018844222649931908},{"text":"I have yeah.","start":558.57996,"end":563.0,"sentiment":"neutral","sentiment_score":-0.1035562331477801},{"text":"Yeah.","start":563.45996,"end":563.95996,"sentiment":"neutral","sentiment_score":-0.03151974827051163}],"sentiment":"neutral","sentiment_score":-0.029114760637569886,"num_words":13,"start":556.98,"end":563.95996},{"sentences":[{"text":"Yep.","start":591.43,"end":591.93,"sentiment":"neutral","sentiment_score":0.1717539280653},{"text":"Mhmm.","start":594.955,"end":595.455,"sentiment":"neutral","sentiment_score":0.15100465714931488},{"text":"Sure.","start":597.67505,"end":598.17505,"sentiment":"positive","sentiment_score":0.4379668533802033},{"text":"Sounds good.","start":598.395,"end":599.135,"sentiment":"positive","sentiment_score":0.6248260736465454},{"text":"Perfect.","start":599.195,"end":599.695,"sentiment":"positive","sentiment_score":0.6573903560638428}],"sentiment":"positive","sentiment_score":0.44462799032529193,"num_words":6,"start":591.43,"end":599.695},{"sentences":[{"text":"I think we just might can so because we talked briefly about fees, and I wasn't sure but I think you said you would confirm things through before.","start":608.76996,"end":619.99,"sentiment":"neutral","sentiment_score":0.01395442260296217},{"text":"Perfect.","start":628.065,"end":628.545,"sentiment":"positive","sentiment_score":0.40236371755599976},{"text":"Yep.","start":628.545,"end":628.945,"sentiment":"neutral","sentiment_score":0.14878767728805542},{"text":"Mhmm.","start":628.945,"end":629.445,"sentiment":"neutral","sentiment_score":0.07610371708869934},{"text":"Mhmm.","start":634.81,"end":635.31,"sentiment":"neutral","sentiment_score":0.04641926661133766}],"sentiment":"neutral","sentiment_score":0.03326244410709478,"num_words":32,"start":608.76996,"end":635.31},{"sentences":[{"text":"Okay.","start":641.69,"end":642.19,"sentiment":"neutral","sentiment_score":0.04557015001773834},{"text":"Yes.","start":648.25,"end":648.75,"sentiment":"neutral","sentiment_score":0.048620857298374176},{"text":"Okay.","start":658.445,"end":658.945,"sentiment":"neutral","sentiment_score":0.04942111670970917},{"text":"Okay.","start":687.455,"end":687.955,"sentiment":"neutral","sentiment_score":0.016485856845974922},{"text":"Yep.","start":689.455,"end":689.955,"sentiment":"neutral","sentiment_score":0.027832314372062683}],"sentiment":"neutral","sentiment_score":0.03758605904877186,"num_words":5,"start":641.69,"end":689.955},{"sentences":[{"text":"So this initial research paper is I don't pay anything.","start":690.09503,"end":693.775,"sentiment":"neutral","sentiment_score":-0.01910178465768695},{"text":"Yes?","start":693.775,"end":694.175,"sentiment":"neutral","sentiment_score":-0.025054018944501877},{"text":"Or Yep.","start":694.175,"end":702.8075,"sentiment":"neutral","sentiment_score":0.02375517226755619},{"text":"Perfect.","start":713.125,"end":713.445,"sentiment":"positive","sentiment_score":0.5125442743301392},{"text":"Thank you so much for confirming that.","start":713.445,"end":715.305,"sentiment":"positive","sentiment_score":0.48367991192000254}],"sentiment":"neutral","sentiment_score":0.17760676841828085,"num_words":21,"start":690.09503,"end":715.305},{"sentences":[{"text":"Nope.","start":722.44,"end":722.68005,"sentiment":"neutral","sentiment_score":0.15386587381362915},{"text":"That's all perfect.","start":722.68005,"end":723.56006,"sentiment":"positive","sentiment_score":0.41712350646654767},{"text":"Thank you so much, Veronica.","start":723.56006,"end":724.86005,"sentiment":"positive","sentiment_score":0.4015230357646942},{"text":"Perfect.","start":731.64,"end":732.14,"sentiment":"positive","sentiment_score":0.8678383827209473},{"text":"Thank you so much.","start":732.2,"end":733.0,"sentiment":"positive","sentiment_score":0.8995402753353119}],"sentiment":"positive","sentiment_score":0.5627750754356384,"num_words":14,"start":722.44,"end":733.0},{"sentences":[{"text":"Have a good day.","start":733.0,"end":733.91693,"sentiment":"positive","sentiment_score":0.7860268801450729},{"text":"Thank you.","start":734.0769,"end":734.81696,"sentiment":"positive","sentiment_score":0.7812129855155945},{"text":"Bye.","start":737.5169,"end":738.0169,"sentiment":"neutral","sentiment_score":-0.1084221825003624}],"sentiment":"positive","sentiment_score":0.6568730441587312,"num_words":7,"start":733.0,"end":738.0169}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello.\n\nChannel 0: Good\n\nChannel 1: Quinn speaking.\n\nChannel 0: morning, Quinn. This is Veronica from Financial. How are you?\n\nChannel 1: Good. Thanks. How are you?\n\nChannel 0: Yeah. Good. Thanks. I had you booked in just for a pretty quick catch up today just following the conversation we had last in regards to your insurances. Is now still a good\n\nChannel 1: Yep.\n\nChannel 0: time for you?\n\nChannel 1: Mhmm.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. And do I have Alan there with you as well, or will he kind of join later?\n\nChannel 1: Alright. Well, if you need him now, I can get him in now. But he's he's on standby, essentially. He's just making\n\nChannel 0: Okay.\n\nChannel 1: a coffee right now.\n\nChannel 0: No. That's all good. The only thing I kind of needed to confirm with both of you is just you have the just different numbers listed for assets and liabilities. So it's just confirming that with the two of you. That's basically all I need him for.\n\nHe's already sent through all the other questions, which is great. So I can\n\nChannel 1: Oh,\n\nChannel 0: just\n\nChannel 1: okay.\n\nChannel 0: start with you, and then\n\nChannel 1: Yep. Yep.\n\nChannel 0: we can kind of loop that in. And you guys have a public holiday today?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yeah.\n\nChannel 1: Mhmm.\n\nChannel 0: Wonderful. Well, I won't keep you for too long. But, essentially,\n\nChannel 1: Mhmm.\n\nChannel 0: it was just to confirm if you've had a bit of a a think about what you wanted to do with your life and total permanent disability insurance and what your thought was in regards to that.\n\nChannel 1: Yeah. I mean, pretty much we\n\nChannel 0: Mhmm.\n\nChannel 1: had a chat, and\n\nChannel 0: Yep.\n\nChannel 1: at this point in time, we don't there's no need to take out the insurances. Yep.\n\nChannel 0: Yep. No. And you are pretty self insured, so that\n\nChannel 1: Yep.\n\nChannel 0: is good. We will\n\nChannel 1: Mhmm.\n\nChannel 0: link that out. Now, basically, the other thing or the last thing really was just confirming the assets and liabilities and then get you guys booked in for the actual strategies together. So\n\nChannel 1: Mhmm.\n\nChannel 0: can Alan hear me or if you are able to repeat it and confirm, I don't\n\nChannel 1: I'll\n\nChannel 0: mind. Whatever\n\nChannel 1: I'll\n\nChannel 0: works.\n\nChannel 1: come out to the dining room and just put you on speakerphone.\n\nChannel 0: Oh, beautiful.\n\nChannel 1: Are you ready? Yeah. Oh, okay. You're on speakerphone now?\n\nChannel 0: Yeah. You guys can both hear me?\n\nChannel 1: Yes. Hi, Veronica.\n\nChannel 0: Yep. Beautiful. Hi, Ellen. How are you?\n\nChannel 1: Yeah. I\n\nChannel 0: That's good. Thank you so much for sending through all that information as well in the email. That was great. So, basically, the only thing I kind of needed to confirm with both of you is just the value of your assets and liabilities because I do have here a little bit different. So\n\nChannel 1: Yep.\n\nChannel 0: it's just to confirm that I have the right information, and then it's literally just to get you guys booked in for your SOA together. So you guys are happy for me to go through the different assets that you guys have outlined individually?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Okay. Perfect. Now with your property, I have here that, Alan, you said it's worth 1,000,000, and Quinn, you said 900,000. Do you\n\nChannel 1: Mhmm. Probably back. It's probably\n\nChannel 0: know\n\nChannel 1: closer to one now. Yeah. But\n\nChannel 0: one\n\nChannel 1: Did\n\nChannel 0: mil?\n\nChannel 1: did you have a housing rate? Is the value on that? There's a valuation, yeah, on our on our housing Hang on. Let me just grab that fine. The the council Valuation.\n\nChannel 0: Beautiful.\n\nChannel 1: Valuation.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Okay. Perfect. And while she grabs that, Alan, do you wanna confirm the mortgage? So I have here either 400 or $4.04 8.\n\nChannel 1: I did check this recently because I had I topped it up. One second.\n\nChannel 0: Yes.\n\nChannel 1: Let me\n\nChannel 0: Mhmm. Because I have 448 from you.\n\nChannel 1: I think it's actually lower now. I didn't update that value.\n\nChannel 0: Okay.\n\nChannel 1: It's 403 remaining.\n\nChannel 0: Oh, beautiful. Thank you.\n\nChannel 1: Wait. Do you need the do you want the offset amount, or do you want the loan amount?\n\nChannel 0: If you can just do your loan first, so\n\nChannel 1: Yep.\n\nChannel 0: not factoring in the offset. So just on the loan, which is an 103. And do you guys own that 50\n\nChannel 1: Sorry. Did you say I said 403.\n\nChannel 0: 50? $4.00 3. Yes.\n\nChannel 1: 403. Yeah. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: Can we join on that? Yes.\n\nChannel 0: Yep. Beautiful. And then offset. So offset, I have 443.\n\nChannel 1: Yeah. So it's 402.\n\nChannel 0: 403. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Now investment portfolio from yourself, I have that $1.90. Is that your individual one, or is that one that you guys have jointly?\n\nChannel 1: It's joint.\n\nChannel 0: Okay. Because I have here from Crane through ten.\n\nChannel 1: So Quinn has, like, a separate one, I\n\nChannel 0: Yes.\n\nChannel 1: think. Okay.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. I\n\nChannel 1: But\n\nChannel 0: do have that one.\n\nChannel 1: so it depends on yeah. Okay. Hang on. Sorry. Let me just quickly log in.\n\nChannel 0: Yeah. Perfect. And, yeah, obviously, it's luxuries as well. That's\n\nChannel 1: Yeah.\n\nChannel 0: fine. Just so I can kind of narrow it down anyway.\n\nChannel 1: Yep. Let's have a look. So our current oops. One second. Our current shared portfolio is\n\nChannel 0: Yep.\n\nChannel 1: It's supposed to be cash in there. Yeah. I know. I'm looking for the whole thing. Total is 218\n\nChannel 0: Twenty eighteen.\n\nChannel 1: thousand.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. And that one is $50.50 as well?\n\nChannel 1: That one's $50.50. Yep.\n\nChannel 0: Yep. Perfect. And then, obviously, separate to that, I have Queen's staff already. I already have all of that compared.\n\nChannel 1: Mhmm.\n\nChannel 0: Now I also have joint cash of $2.20. Is that correct?\n\nChannel 1: So that's changed a little, I think.\n\nChannel 0: Mhmm.\n\nChannel 1: Joint cash. One second.\n\nChannel 0: Yep.\n\nChannel 1: I've got our council rate notice,\n\nChannel 0: Oh, yes. Yes.\n\nChannel 1: and they\n\nChannel 0: Beautiful.\n\nChannel 1: value the site. So they have a capital improved value, and\n\nChannel 0: Mhmm.\n\nChannel 1: then they have the site value, and then\n\nChannel 0: Mhmm.\n\nChannel 1: they have a net annual value. So\n\nChannel 0: Okay.\n\nChannel 1: the capital improved value is 1,080,000.\n\nChannel 0: Yep.\n\nChannel 1: The site value was 990,\n\nChannel 0: $9.90. Yep.\n\nChannel 1: and the net annual value is 54,000.\n\nChannel 0: $24,000. Beautiful. Thank you so much. Let me see here. Yep.\n\nPerfect. And then\n\nChannel 1: Yep.\n\nChannel 0: the cash, was that around the $2.20?\n\nChannel 1: Yeah. Actually, I I just checked again. It is actually around the $2.20 mile. Yep.\n\nChannel 0: Okay. Beautiful. And then, Alan, for you, I have a motor vehicle at 15,000, and for Quinn, for you, 7.\n\nChannel 1: I looked it up. I googled it. It was 7. Oh, okay.\n\nChannel 0: Beautiful. Is that the one you guys have together?\n\nChannel 1: Yeah. Yeah. So\n\nChannel 0: Yeah.\n\nChannel 1: just go\n\nChannel 0: Okay.\n\nChannel 1: with Brandon's one. Yep.\n\nChannel 0: Yeah. Perfect. Seven. And that's jointly owned as well?\n\nChannel 1: Yep.\n\nChannel 0: Yes.\n\nChannel 1: Yes. Express\n\nChannel 0: Yep.\n\nChannel 1: seven means that, like Yeah. That's what I was wondering. I think, like, for intents and purposes, it's totally shared. Yeah.\n\nChannel 0: Yes. Okay. Perfect. Great. Perfect.\n\nSo the only kind of separate thing that I have so everything is basically completely together aside\n\nChannel 1: Yep.\n\nChannel 0: from I have an investment account for Quinn for\n\nChannel 1: Yep.\n\nChannel 0: about 48 and then also the cash emergency for Quinn's mom at about 65. Everything else oh, sorry. Sorry. Quinn, cash at 25,000 as well.\n\nChannel 1: Yep.\n\nChannel 0: Is that all correct?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Okay. Perfect. Anything else I've missed?\n\nChannel 1: No. No.\n\nChannel 0: Nope. That's all good.\n\nChannel 1: Yep.\n\nChannel 0: Alright. Perfect. Now it will take me about a week and a half to put together the research for both of you.\n\nChannel 1: Yep.\n\nChannel 0: And I am considering a few different contribution strategies for you, Alan. So I will consider the salary sacrifice, what we should do from that point of view, or whether we do it as a lump sum, but I will do all that research and let you know in detail in the document.\n\nChannel 1: Okay. Yep.\n\nChannel 0: So let me see here. When is a good time for you guys the week starting of the June 22?\n\nChannel 1: A Monday? Or Monday is bad for you? Monday is fine for you. But\n\nChannel 0: On\n\nChannel 1: yeah.\n\nChannel 0: the Monday so far, I can see my morning is pretty full, but I could do from 02:30. Would that work?\n\nChannel 1: It's a little bit harder.\n\nChannel 0: Pardon? Okay. Because if\n\nChannel 1: I just\n\nChannel 0: mornings\n\nChannel 1: used to\n\nChannel 0: is better, I could do Wednesday the twenty fourth in the morning.\n\nChannel 1: When you say in the morning?\n\nChannel 0: Mhmm.\n\nChannel 1: What time in the morning?\n\nChannel 0: So if I'm pretty flexible, I could do any time from 08:30 till about twelve.\n\nChannel 1: Yeah. So what's good for you? Yeah. Early is better. Okay.\n\nChannel 0: That is\n\nChannel 1: So\n\nChannel 0: better.\n\nChannel 1: at 08:30? Yep.\n\nChannel 0: Eight\n\nChannel 1: Alright.\n\nChannel 0: thirty. Would\n\nChannel 1: 08:30\n\nChannel 0: that work\n\nChannel 1: one\n\nChannel 0: for both\n\nChannel 1: six.\n\nChannel 0: of you?\n\nChannel 1: Yep. That's our\n\nChannel 0: Yep.\n\nChannel 1: local time. Oh, wait. It's the same now, isn't it? Yeah.\n\nChannel 0: It's\n\nChannel 1: I have\n\nChannel 0: now. It's the same, thankfully. But, yes, when they'd say, like, saving, it's a it's a nightmare\n\nChannel 1: yeah.\n\nChannel 0: sometimes.\n\nChannel 1: Yeah.\n\nChannel 0: But, yes, 08:30 for both of us. Alright. Beautiful. So that is Wednesday, June 24 at 08:30. And if you guys can have access to your emails at the time, that would be great because I will send you a brochure a document with all the strategies and everything to go through.\n\nAnd it is quite a big one. So if you guys could allocate a little bit of time, that would be good. Obviously, you guys\n\nChannel 1: Yep.\n\nChannel 0: have time to review everything in detail afterwards.\n\nChannel 1: Mhmm.\n\nChannel 0: But, yeah, that would that would be great.\n\nChannel 1: Sure. Sounds good.\n\nChannel 0: Perfect.\n\nChannel 1: Perfect.\n\nChannel 0: Now that was basically everything I needed to confirm this morning. So pretty nice and easy. But do you guys have any questions for me otherwise at this point?\n\nChannel 1: I think we just might can so because we talked briefly about fees,\n\nChannel 0: Yes.\n\nChannel 1: and I wasn't sure but I think you said you would confirm things through before.\n\nChannel 0: Yes. So in the actual advice piece that I will go through on the twenty fourth, I will outline exactly what they are. But\n\nChannel 1: Perfect. Yep.\n\nChannel 0: for\n\nChannel 1: Mhmm.\n\nChannel 0: an upfront so upfront, that would just be for yourself because, obviously, Alan is already in client, So he paid\n\nChannel 1: Mhmm.\n\nChannel 0: that was he came on board. It is 3.3% of your super balance.\n\nChannel 1: Okay.\n\nChannel 0: But I will include exactly what that is in the advice fee. Now it is\n\nChannel 1: Yes.\n\nChannel 0: capped at a 150,000, and your suit balance is higher. So the max will be $4.09 $5.00. But, again, I will show you exactly what it is in the document.\n\nChannel 1: Okay.\n\nChannel 0: And for the ongoing advice fee, now, typically, that is 1.65 from superannuation. But because we are looking at both of you, so if it is that when you do decide that you want to become a client, that will be reduced for both of you to make it a bit more affordable, and that will be down to 1.1 for both of you. But, again, I will show you exactly what that looks in terms of the dollar value and how that impacts everything in that\n\nChannel 1: Okay.\n\nChannel 0: research paper.\n\nChannel 1: Yep. So\n\nChannel 0: Does that\n\nChannel 1: this\n\nChannel 0: make\n\nChannel 1: initial\n\nChannel 0: sense?\n\nChannel 1: research paper is\n\nChannel 0: Mhmm.\n\nChannel 1: I don't pay anything. Yes? Or\n\nChannel 0: No. You don't pay anything until you decide if you would like to come on board. You only pay if you sign that document and say, yep. I would like\n\nChannel 1: Yep.\n\nChannel 0: to go ahead. If I do all the research and you go, no. It's not for me right now. There is no fees at all for you. There is no additional fees for Alan because that's all just that ongoing advice fee.\n\nChannel 1: Perfect. Thank you so much for\n\nChannel 0: Yeah.\n\nChannel 1: confirming that.\n\nChannel 0: No. No. That's all good. Any other questions before I let you guys go and enjoy the rest of your day off?\n\nChannel 1: Nope. That's all perfect.\n\nChannel 0: No?\n\nChannel 1: Thank you so much,\n\nChannel 0: Okay.\n\nChannel 1: Veronica.\n\nChannel 0: No problem at all. Well, I look forward to speaking with you both on Wednesday, the twenty fourth at 08:30AM.\n\nChannel 1: Perfect. Thank you so much. Have a good day. Thank you.\n\nChannel 0: You too. We'll speak soon. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.24,"end":0.48,"sentiment":"neutral","sentiment_score":0.21420787274837497}],"sentiment":"neutral","sentiment_score":0.21420787274837497,"channel":1,"num_words":1,"start":0.24,"end":0.48},{"sentences":[{"text":"Good","start":0.24,"end":0.74,"sentiment":"neutral","sentiment_score":0.24994270503520968}],"sentiment":"neutral","sentiment_score":0.24994270503520968,"channel":0,"num_words":1,"start":0.24,"end":0.74},{"sentences":[{"text":"Quinn speaking.","start":0.48,"end":1.38,"sentiment":"neutral","sentiment_score":0.14776227623224258}],"sentiment":"neutral","sentiment_score":0.14776227623224258,"channel":1,"num_words":2,"start":0.48,"end":1.38},{"sentences":[{"text":"morning, Quinn.","start":2.0,"end":2.56,"sentiment":"neutral","sentiment_score":0.13476143404841423},{"text":"This is Veronica from Financial.","start":2.56,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.15048064589500426},{"text":"How are you?","start":4.4,"end":5.22,"sentiment":"neutral","sentiment_score":0.18225707113742828}],"sentiment":"neutral","sentiment_score":0.15686973109841346,"channel":0,"num_words":10,"start":2.0,"end":5.22},{"sentences":[{"text":"Good.","start":5.3599997,"end":5.68,"sentiment":"positive","sentiment_score":0.49341726303100586},{"text":"Thanks.","start":5.68,"end":6.0,"sentiment":"positive","sentiment_score":0.542567253112793},{"text":"How are you?","start":6.0,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.29234511653582257}],"sentiment":"positive","sentiment_score":0.3826039731502533,"channel":1,"num_words":5,"start":5.3599997,"end":6.8199997},{"sentences":[{"text":"Yeah.","start":6.8799996,"end":7.2799997,"sentiment":"neutral","sentiment_score":0.26178401708602905},{"text":"Good.","start":7.2799997,"end":7.68,"sentiment":"positive","sentiment_score":0.5042566657066345},{"text":"Thanks.","start":7.68,"end":8.18,"sentiment":"positive","sentiment_score":0.5715944766998291},{"text":"I had you booked in just for a pretty quick catch up today just following the conversation we had last in regards to your insurances.","start":9.04,"end":17.175,"sentiment":"neutral","sentiment_score":0.24916948199272157},{"text":"Is now still a 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like","start":701.835,"end":702.315,"sentiment":"neutral","sentiment_score":0.06223852187395096}],"sentiment":"neutral","sentiment_score":0.007250735287865003,"channel":0,"num_words":30,"start":695.035,"end":702.315},{"sentences":[{"text":"Yep.","start":702.3075,"end":702.8075,"sentiment":"neutral","sentiment_score":0.0760396346449852}],"sentiment":"neutral","sentiment_score":0.0760396346449852,"channel":1,"num_words":1,"start":702.3075,"end":702.8075},{"sentences":[{"text":"to go ahead.","start":702.315,"end":703.05,"sentiment":"neutral","sentiment_score":0.08264747510353725},{"text":"If I do all the research and you go, no.","start":703.13,"end":705.37,"sentiment":"neutral","sentiment_score":0.044204235821962354},{"text":"It's not for me right now.","start":705.37,"end":706.73,"sentiment":"neutral","sentiment_score":0.00448242574930191},{"text":"There is no fees at all for you.","start":706.73,"end":708.41,"sentiment":"neutral","sentiment_score":0.0809461041353643},{"text":"There is no additional fees for Alan because that's all just that ongoing advice fee.","start":708.41,"end":712.75,"sentiment":"neutral","sentiment_score":0.07738801389932633}],"sentiment":"neutral","sentiment_score":0.06012543760949657,"channel":0,"num_words":42,"start":702.315,"end":712.75},{"sentences":[{"text":"Perfect.","start":713.125,"end":713.445,"sentiment":"positive","sentiment_score":0.5125442743301392},{"text":"Thank you so much for","start":713.445,"end":714.32495,"sentiment":"positive","sentiment_score":0.5200697541236877}],"sentiment":"positive","sentiment_score":0.5188155074914297,"channel":1,"num_words":6,"start":713.125,"end":714.32495},{"sentences":[{"text":"Yeah.","start":714.08997,"end":714.58997,"sentiment":"positive","sentiment_score":0.4102553725242615}],"sentiment":"positive","sentiment_score":0.4102553725242615,"channel":0,"num_words":1,"start":714.08997,"end":714.58997},{"sentences":[{"text":"confirming that.","start":714.32495,"end":715.305,"sentiment":"positive","sentiment_score":0.3927053064107895}],"sentiment":"positive","sentiment_score":0.3927053064107895,"channel":1,"num_words":2,"start":714.32495,"end":715.305},{"sentences":[{"text":"No.","start":714.89,"end":715.39,"sentiment":"neutral","sentiment_score":0.10954464972019196},{"text":"No.","start":715.53503,"end":715.85504,"sentiment":"neutral","sentiment_score":0.10144368559122086},{"text":"That's all good.","start":715.85504,"end":716.995,"sentiment":"positive","sentiment_score":0.34022552768389386},{"text":"Any other questions before I let you guys go and enjoy the rest of your day off?","start":717.455,"end":722.115,"sentiment":"neutral","sentiment_score":0.27250488803667183}],"sentiment":"neutral","sentiment_score":0.2665567279539325,"channel":0,"num_words":22,"start":714.89,"end":722.115},{"sentences":[{"text":"Nope.","start":722.44,"end":722.68005,"sentiment":"neutral","sentiment_score":0.15386587381362915},{"text":"That's all perfect.","start":722.68005,"end":723.56006,"sentiment":"positive","sentiment_score":0.41712350646654767}],"sentiment":"positive","sentiment_score":0.351309098303318,"channel":1,"num_words":4,"start":722.44,"end":723.56006},{"sentences":[{"text":"No?","start":723.53503,"end":724.03503,"sentiment":"neutral","sentiment_score":0.15399521589279175}],"sentiment":"neutral","sentiment_score":0.15399521589279175,"channel":0,"num_words":1,"start":723.53503,"end":724.03503},{"sentences":[{"text":"Thank you so much,","start":723.56006,"end":724.36005,"sentiment":"positive","sentiment_score":0.4670133739709854}],"sentiment":"positive","sentiment_score":0.4670133739709854,"channel":1,"num_words":4,"start":723.56006,"end":724.36005},{"sentences":[{"text":"Okay.","start":724.255,"end":724.755,"sentiment":"neutral","sentiment_score":0.27966731786727905}],"sentiment":"neutral","sentiment_score":0.27966731786727905,"channel":0,"num_words":1,"start":724.255,"end":724.755},{"sentences":[{"text":"Veronica.","start":724.36005,"end":724.86005,"sentiment":"neutral","sentiment_score":0.13956168293952942}],"sentiment":"neutral","sentiment_score":0.13956168293952942,"channel":1,"num_words":1,"start":724.36005,"end":724.86005},{"sentences":[{"text":"No problem at all.","start":725.53503,"end":726.335,"sentiment":"neutral","sentiment_score":0.1774542536586523},{"text":"Well, I look forward to speaking with you both on Wednesday, the twenty fourth at 08:30AM.","start":726.335,"end":731.3069,"sentiment":"positive","sentiment_score":0.6204756014049053}],"sentiment":"positive","sentiment_score":0.5318713318556547,"channel":0,"num_words":20,"start":725.53503,"end":731.3069},{"sentences":[{"text":"Perfect.","start":731.64,"end":732.14,"sentiment":"positive","sentiment_score":0.8678383827209473},{"text":"Thank you so much.","start":732.2,"end":733.0,"sentiment":"positive","sentiment_score":0.8995402753353119},{"text":"Have a good day.","start":733.0,"end":733.91693,"sentiment":"positive","sentiment_score":0.7860268801450729},{"text":"Thank you.","start":734.0769,"end":734.81696,"sentiment":"positive","sentiment_score":0.7812129855155945}],"sentiment":"positive","sentiment_score":0.8338666341521523,"channel":1,"num_words":11,"start":731.64,"end":734.81696},{"sentences":[{"text":"You too.","start":734.34686,"end":734.90686,"sentiment":"positive","sentiment_score":0.4811694622039795},{"text":"We'll speak soon.","start":734.90686,"end":735.8069,"sentiment":"positive","sentiment_score":0.33479296167691547},{"text":"Bye.","start":736.1869,"end":736.6869,"sentiment":"neutral","sentiment_score":0.1898274123668671}],"sentiment":"positive","sentiment_score":0.3594242036342621,"channel":0,"num_words":6,"start":734.34686,"end":736.6869},{"sentences":[{"text":"Bye.","start":737.5169,"end":738.0169,"sentiment":"neutral","sentiment_score":-0.1084221825003624}],"sentiment":"neutral","sentiment_score":-0.1084221825003624,"channel":1,"num_words":1,"start":737.5169,"end":738.0169}]},"summary":{"result":"success","short":"A representative from Financial confirms personal and assets and liabilities with a customer and schedules a strategy for a property. They discuss the current value of the property and confirm the contributions of the speakers to a project. They briefly mention a motor vehicle and property values but agree to put together research and provide updates on the research. The speakers confirm details about contributions and schedule a meeting for the following week. They also explain the fees and how they will affect the project. The meeting ends pleasantly."},"intents":{"segments":[{"text":"I had you booked in just for a pretty quick catch up today just following the conversation we had last in regards to your insurances. Is now still a good Yep. time for you?","start_word":22,"end_word":55,"intents":[{"intent":"Schedule catch up","confidence_score":0.014941382},{"intent":"Schedule meeting","confidence_score":0.016785406}]},{"text":"The only thing I kind of needed to confirm with both of you is just you have the just different numbers listed for assets and liabilities. So it's just confirming that with the two of you.","start_word":108,"end_word":143,"intents":[{"intent":"Confirm details","confidence_score":0.065064274},{"intent":"Confirm details","confidence_score":0.071790054}]},{"text":"come out to the dining room and just put you on speakerphone. Oh, beautiful.","start_word":342,"end_word":355,"intents":[{"intent":"Confirm apartment","confidence_score":0.000031290758}]},{"text":"So, basically, the only thing I kind of needed to confirm with both of you is just the value of your assets and liabilities because I do have here a little bit different. So it's Yep.","start_word":405,"end_word":440,"intents":[{"intent":"Confirm value","confidence_score":0.56526893}]},{"text":"just to confirm that I have the right information, and then it's literally just to get you guys booked in for your SOA together. So you guys are happy for me to go through the different assets that you guys have outlined individually? Yeah.","start_word":441,"end_word":484,"intents":[{"intent":"Confirm information","confidence_score":0.08129376}]},{"text":"And while she grabs that, Alan, do you wanna confirm the mortgage?","start_word":565,"end_word":576,"intents":[{"intent":"Confirm mortgage","confidence_score":0.38550082}]},{"text":"One second.","start_word":598,"end_word":599,"intents":[{"intent":"Check balance","confidence_score":0.30282906}]},{"text":"When is a good time for you guys the week starting of the June 22? A Monday?","start_word":1255,"end_word":1271,"intents":[{"intent":"Confirm time","confidence_score":0.10413165}]},{"text":"I think we just might can so because we talked briefly about fees, Yes.","start_word":1557,"end_word":1570,"intents":[{"intent":"Discuss fees","confidence_score":0.2938755}]},{"text":"So in the actual advice piece that I will go through on the twenty fourth, I will outline exactly what they are. But Perfect.","start_word":1587,"end_word":1610,"intents":[{"intent":"Offering advice","confidence_score":0.0042519164}]},{"text":"But I will include exactly what that is in the advice fee. Now it is Yes.","start_word":1649,"end_word":1664,"intents":[{"intent":"Explaining fee","confidence_score":0.11692174}]},{"text":"So Does that this make initial sense? research paper is Mhmm.","start_word":1787,"end_word":1797,"intents":[{"intent":"Requesting clarification","confidence_score":0.008556348}]},{"text":"Thank you so much for Yeah. confirming that. No.","start_word":1878,"end_word":1886,"intents":[{"intent":"Confirming understanding","confidence_score":0.0054444345},{"intent":"Verifying understanding","confidence_score":0.00070956536}]}]},"sentiments":{"segments":[{"text":"Good Hello. Quinn speaking. morning, Quinn. This is Veronica from Financial. How are you?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.16187401115894318},{"text":"Good. Thanks.","start_word":14,"end_word":15,"sentiment":"positive","sentiment_score":0.5179922580718994},{"text":"How are you? Yeah.","start_word":16,"end_word":19,"sentiment":"neutral","sentiment_score":0.2851211428642273},{"text":"Good. Thanks.","start_word":20,"end_word":21,"sentiment":"positive","sentiment_score":0.5379256010055542},{"text":"I had you booked in just for a pretty quick catch up today just following the conversation we had last in regards to your insurances.","start_word":22,"end_word":46,"sentiment":"neutral","sentiment_score":0.2478994727134705},{"text":"Is now still a good Yep.","start_word":47,"end_word":52,"sentiment":"positive","sentiment_score":0.3354880213737488},{"text":"time for you? Mhmm. Yep. Yeah.","start_word":53,"end_word":58,"sentiment":"neutral","sentiment_score":0.18982113897800448},{"text":"Perfect.","start_word":59,"end_word":59,"sentiment":"positive","sentiment_score":0.4878101944923401},{"text":"And do I have Alan there with you as well, or will he kind of join later? Alright. Well, if you need him now, I can get him in now. But he's he's on standby, essentially. He's just making Okay. a coffee right now. No. That's all good. The only thing I kind of needed to confirm with both of you is just you have the just different numbers listed for assets and liabilities. So it's just confirming that with the two of you. That's basically all I need him for.","start_word":60,"end_word":150,"sentiment":"neutral","sentiment_score":0.13552811741828918},{"text":"He's already sent through all the other questions, which is great.","start_word":151,"end_word":161,"sentiment":"positive","sentiment_score":0.5293105840682983},{"text":"So I can Oh, just okay. start with you, and then Yep. Yep. we can kind of loop that in. And you guys have a public holiday today? Yes. Yes. Yeah. Mhmm. Wonderful. Well, I won't keep you for too long. But, essentially, Mhmm. it was just to confirm if you've had a bit of a a think about what you wanted to do with your life and total permanent disability insurance and what your thought was in regards to that. Yeah. I mean, pretty much we Mhmm. had a chat, and Yep. at this point in time, we don't there's no need to take out the insurances. Yep. Yep. No. And you are pretty self insured, so that Yep. is good. We will Mhmm. link that out. Now, basically, the other thing or the last thing really was just confirming the assets and liabilities and then get you guys booked in for the actual strategies together. So Mhmm. can Alan hear me or if you are able to repeat it and confirm, I don't I'll mind. Whatever I'll works. come out to the dining room and just put you on speakerphone. Oh, beautiful. Are you ready? Yeah. Oh, okay. You're on speakerphone now? Yeah. You guys can both hear me? Yes. Hi, Veronica. Yep.","start_word":162,"end_word":376,"sentiment":"neutral","sentiment_score":0.06464561449233876},{"text":"Beautiful.","start_word":377,"end_word":377,"sentiment":"positive","sentiment_score":0.4137876331806183},{"text":"Hi, Ellen. How are you? Yeah.","start_word":378,"end_word":383,"sentiment":"neutral","sentiment_score":0.23579326272010803},{"text":"I That's good. Thank you so much for sending through all that information as well in the email. That was great.","start_word":384,"end_word":404,"sentiment":"positive","sentiment_score":0.6913386583328247},{"text":"So, basically, the only thing I kind of needed to confirm with both of you is just the value of your assets and liabilities because I do have here a little bit different. So it's Yep. just to confirm that I have the right information, and then it's literally just to get you guys booked in for your SOA together. So you guys are happy for me to go through the different assets that you guys have outlined individually? Yeah. That's fine. Yep. Yep. Okay. Perfect. Now with your property, I have here that, Alan, you said it's worth 1,000,000, and Quinn, you said 900,000. Do you Mhmm. Probably back. It's probably know closer to one now. Yeah. But one Did mil? did you have a housing rate? Is the value on that? There's a valuation, yeah, on our on our housing Hang on. Let me just grab that fine. The the council Valuation. Beautiful. Valuation. Yeah. Okay. Okay. Perfect. And while she grabs that, Alan, do you wanna confirm the mortgage? So I have here either 400 or $4.04 8. I did check this recently because I had I topped it up. One second. Yes. Let me Mhmm. Because I have 448 from you. I think it's actually lower now. I didn't update that value. Okay. It's 403 remaining. Oh, beautiful. Thank you. Wait. Do you need the do you want the offset amount, or do you want the loan amount? If you can just do your loan first, so Yep. not factoring in the offset. So just on the loan, which is an 103. And do you guys own that 50 Sorry. Did you say I said 403. 50? $4.00 3. Yes. 403. Yeah. Okay. Yep. Yeah. Perfect. Can we join on that? Yes. Yep.","start_word":405,"end_word":701,"sentiment":"neutral","sentiment_score":0.07684329234891468},{"text":"Beautiful.","start_word":702,"end_word":702,"sentiment":"positive","sentiment_score":0.4867558479309082},{"text":"And then offset. So offset, I have 443. Yeah. So it's 402. 403. Perfect. Yep. Now investment portfolio from yourself, I have that $1.90. Is that your individual one, or is that one that you guys have jointly? It's joint. Okay. Because I have here from Crane through ten. So Quinn has, like, a separate one, I Yes. think. Okay. Yes. Yeah. Yep. I But do have that one. so it depends on yeah. Okay. Hang on. Sorry. Let me just quickly log in. Yeah.","start_word":703,"end_word":787,"sentiment":"neutral","sentiment_score":0.03721469268202782},{"text":"Perfect.","start_word":788,"end_word":788,"sentiment":"positive","sentiment_score":0.3874098062515259},{"text":"And, yeah, obviously, it's luxuries as well. That's Yeah. fine. Just so I can kind of narrow it down anyway. Yep. Let's have a look. So our current oops. One second. Our current shared portfolio is Yep. It's supposed to be cash in there. Yeah. I know. I'm looking for the whole thing. Total is 218 Twenty eighteen. thousand. Yep. Yeah. Perfect. And that one is $50.50 as well? That one's $50.50. Yep. Yep. Perfect. And then, obviously, separate to that, I have Queen's staff already. I already have all of that compared. Mhmm. Now I also have joint cash of $2.20. Is that correct? So that's changed a little, I think. Mhmm. Joint cash. One second. Yep. I've got our council rate notice, Oh, yes. Yes. and they Beautiful. value the site. So they have a capital improved value, and Mhmm. then they have the site value, and then Mhmm. they have a net annual value. So Okay. the capital improved value is 1,080,000. Yep. The site value was 990, $9.90. Yep. and the net annual value is 54,000. $24,000.","start_word":789,"end_word":969,"sentiment":"neutral","sentiment_score":0.08078203465563158},{"text":"Beautiful. Thank you so much.","start_word":970,"end_word":974,"sentiment":"positive","sentiment_score":0.8270703554153442},{"text":"Let me see here. Yep.","start_word":975,"end_word":979,"sentiment":"neutral","sentiment_score":0.18530765175819397},{"text":"Perfect.","start_word":980,"end_word":980,"sentiment":"positive","sentiment_score":0.4249863028526306},{"text":"And then Yep. the cash, was that around the $2.20? Yeah. Actually, I I just checked again. It is actually around the $2.20 mile. Yep. Okay.","start_word":981,"end_word":1006,"sentiment":"neutral","sentiment_score":0.044866371899843216},{"text":"Beautiful.","start_word":1007,"end_word":1007,"sentiment":"positive","sentiment_score":0.5234465599060059},{"text":"And then, Alan, for you, I have a motor vehicle at 15,000, and for Quinn, for you, 7. I looked it up. I googled it. It was 7. Oh, okay.","start_word":1008,"end_word":1037,"sentiment":"neutral","sentiment_score":0.03920983150601387},{"text":"Beautiful.","start_word":1038,"end_word":1038,"sentiment":"positive","sentiment_score":0.3591254651546478},{"text":"Is that the one you guys have together? Yeah. Yeah. So Yeah. just go Okay. with Brandon's one. Yep. Yeah. Perfect. Seven. And that's jointly owned as well? Yep. Yes. Yes. Express Yep. seven means that, like Yeah. That's what I was wondering. I think, like, for intents and purposes, it's totally shared. Yeah. Yes. Okay.","start_word":1039,"end_word":1094,"sentiment":"neutral","sentiment_score":0.04770589247345925},{"text":"Perfect. Great. Perfect.","start_word":1095,"end_word":1097,"sentiment":"positive","sentiment_score":0.6188395023345947},{"text":"So the only kind of separate thing that I have so everything is basically completely together aside Yep. from I have an investment account for Quinn for about Yep. 48 and then also the cash emergency for Quinn's mom at about 65. Everything else oh, sorry. Sorry. Quinn, cash at 25,000 as well. Yep. Is that all correct? Yeah. Yep. Okay.","start_word":1098,"end_word":1158,"sentiment":"neutral","sentiment_score":0.053094759583473206},{"text":"Perfect.","start_word":1159,"end_word":1159,"sentiment":"positive","sentiment_score":0.36213088035583496},{"text":"Anything else I've missed? No. No. Nope. That's all good. Yep. Alright.","start_word":1160,"end_word":1171,"sentiment":"neutral","sentiment_score":0.10356981307268144},{"text":"Perfect.","start_word":1172,"end_word":1172,"sentiment":"positive","sentiment_score":0.379245400428772},{"text":"Now it will take me about a week and a half to put together the research for both of you. Yep. And I am considering a few different contribution strategies for you, Alan. So I will consider the salary sacrifice, what we should do from that point of view, or whether we do it as a lump sum, but I will do all that research and let you know in detail in the document. Okay. Yep. So let me see here. When is a good time for you guys the week starting of the June 22? A Monday? Or Monday is bad for you? Monday is fine for you. But On yeah. the Monday so far, I can see my morning is pretty full, but I could do from 02:30. Would that work? It's a little bit harder. Pardon? Okay. Because if I just mornings used to is better, I could do Wednesday the twenty fourth in the morning. When you say in the morning? Mhmm. What time in the morning? So if I'm pretty flexible, I could do any time from 08:30 till about twelve. Yeah. So what's good for you? Yeah. Early is better. Okay. That is So better. at 08:30? Yep. Eight Alright. thirty. Would 08:30 that work one for both six. of you? Yep. That's our Yep. local time. Oh, wait. It's the same now, isn't it? Yeah. It's I have now. It's the same, thankfully. But, yes, when they'd say, like, saving, it's a it's a nightmare yeah. sometimes. Yeah. But, yes, 08:30 for both of us. Alright.","start_word":1173,"end_word":1435,"sentiment":"neutral","sentiment_score":0.020304943401253155},{"text":"Beautiful.","start_word":1436,"end_word":1436,"sentiment":"positive","sentiment_score":0.4743731915950775},{"text":"So that is Wednesday, June 24 at 08:30.","start_word":1437,"end_word":1444,"sentiment":"neutral","sentiment_score":0.2754700183868408},{"text":"And if you guys can have access to your emails at the time, that would be great because I will send you a brochure a document with all the strategies and everything to go through. And it is quite a big one. So if you guys could allocate a little bit of time, that would be good.","start_word":1445,"end_word":1501,"sentiment":"positive","sentiment_score":0.4396606385707855},{"text":"Obviously, you guys Yep. have time to review everything in detail afterwards. Mhmm.","start_word":1502,"end_word":1514,"sentiment":"neutral","sentiment_score":0.16831012070178986},{"text":"But, yeah, that would that would be great. Sure. Sounds good. Perfect. Perfect. Now that was basically everything I needed to confirm this morning. So pretty nice and easy.","start_word":1515,"end_word":1543,"sentiment":"positive","sentiment_score":0.531782865524292},{"text":"But do you guys have any questions for me otherwise at this point? I think we just might can so because we talked briefly about fees, Yes. and I wasn't sure but I think you said you would confirm things through before. Yes. So in the actual advice piece that I will go through on the twenty fourth, I will outline exactly what they are.","start_word":1544,"end_word":1608,"sentiment":"neutral","sentiment_score":0.06196035937621043},{"text":"But Perfect.","start_word":1609,"end_word":1610,"sentiment":"positive","sentiment_score":0.35096627473831177},{"text":"Yep. for Mhmm. an upfront so upfront, that would just be for yourself because, obviously, Alan is already in client, So he paid Mhmm. that was he came on board. It is 3.3% of your super balance. Okay. But I will include exactly what that is in the advice fee. Now it is Yes. capped at a 150,000, and your suit balance is higher. So the max will be $4.09 $5.00. But, again, I will show you exactly what it is in the document. Okay. And for the ongoing advice fee, now, typically, that is 1.65 from superannuation. But because we are looking at both of you, so if it is that when you do decide that you want to become a client, that will be reduced for both of you to make it a bit more affordable, and that will be down to 1.1 for both of you. But, again, I will show you exactly what that looks in terms of the dollar value and how that impacts everything in that Okay. research paper. Yep. So Does that this make initial sense? research paper is Mhmm. I don't pay anything. Yes? Or No. You don't pay anything until you decide if you would like to come on board. You only pay if you sign that document and say, yep. I would like Yep. to go ahead. If I do all the research and you go, no. It's not for me right now. There is no fees at all for you. There is no additional fees for Alan because that's all just that ongoing advice fee.","start_word":1611,"end_word":1876,"sentiment":"neutral","sentiment_score":0.04618566483259201},{"text":"Perfect. Thank you so much for Yeah. confirming that.","start_word":1877,"end_word":1885,"sentiment":"positive","sentiment_score":0.4628284275531769},{"text":"No. No. That's all good. Any other questions before I let you guys go and enjoy the rest of your day off? Nope.","start_word":1886,"end_word":1908,"sentiment":"neutral","sentiment_score":0.2490694522857666},{"text":"That's all perfect.","start_word":1909,"end_word":1911,"sentiment":"positive","sentiment_score":0.3971035182476044},{"text":"No?","start_word":1912,"end_word":1912,"sentiment":"neutral","sentiment_score":0.15399521589279175},{"text":"Thank you so much, Okay.","start_word":1913,"end_word":1917,"sentiment":"positive","sentiment_score":0.4102075695991516},{"text":"Veronica. No problem at all.","start_word":1918,"end_word":1922,"sentiment":"neutral","sentiment_score":0.1728963553905487},{"text":"Well, I look forward to speaking with you both on Wednesday, the twenty fourth at 08:30AM. Perfect. Thank you so much. Have a good day. Thank you. You too.","start_word":1923,"end_word":1951,"sentiment":"positive","sentiment_score":0.668851912021637},{"text":"We'll speak soon. Bye. Bye.","start_word":1952,"end_word":1956,"sentiment":"neutral","sentiment_score":0.23618054389953613}],"average":{"sentiment":"neutral","sentiment_score":0.11273150452411028}}}}