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It's my work at home day, so I could not be better, to be honest. Doing a lot of zero yeah. So I'm just in the comfort of my own home doing a good initial consultation. Is Brendan there? Mate, lovely to virtually meet you. I do apologize. I realized that I spelled your name wrong in the email I sent out. Oh, yes. So yeah. I know that's what the I think that novel, How to Win Friends and Influence People by Mark Ganeshi. It's the most beautiful sound to anybody to hear is their own name. So I do apologize about that, mate. All good. Yeah. Now I've sent you through that email with a couple of attachments. I guess the first the way this itinerary kinda runs out is just kinda understanding what you guys are looking for, getting to know you as clients, and then show you a little bit more about us, do a little bit of the fact find, and, yeah, go through a risk profile and then book in some time to do a statement on advice. Perfect. Now I understand that. Just from reading the notes, you you you've got a coworker, Maddie, that that is a client about already? Or sorry. Can you can you hear me correctly? Or is it a little bit softer? Little bit muffled? Alright. Give me one second. I've got my headphones in. So let me try this. One second. Let's try and make this a little bit better for you. Alright. What about now? That's a bit better? Alright. I'll speak a little bit louder. I'll start yelling now. Hope for the best. Yeah. So I I believe you've got a we've already got a client on board that you work with, Maddie. Is that correct? Or Elliot. Okay. Perfect. Do you know who the adviser is, Elliot? Or Yeah. No. That's okay. I was just interested, to be honest. But yeah. I'm glad that we've done a good enough service to be able to, you know, refer clients just like your cell server. So amazing. So yeah. Look. I I just from reading the notes, it looks like you're interest interested in insurances. But, yeah, give give me a little bit of a breakdown on what you're looking for. Mhmm. Yep. Okay. Yes. Yes. That's what I like with a five year old, so I completely understand. Yeah. No. That's alright. Well, yeah, that's that's absolutely right. So we I'll walk you through a bit of our financial services guide and, I guess, overview services guide to show you our process, our fees, and all those bits and pieces, and go through go through everything from there. Yeah. It's it's we to to answer your question, yeah, in terms of superannuation or insurance reviews, we don't charge anything because the insurance company pays us. So why would we charge you? You know what I mean? But and all yeah. So we try and make it as settled. No. Well, we run our own Australian financial services license. So we essentially can we've got no one above us to tell us what to do or what products to recommend, and that just gives us a lot of freedom. So to answer your question, yes, we can write insurance to get your super to pay for it, but could be a retail policy. It could be a group policy. I don't really like group policies because, you know, insurances are these things that you pay all this money for, and the best outcome is nothing happens. Right? But if nothing happens, you paid all this money, and you don't get a refund of all the premiums you paid your whole life. So it's a horrible financial decision. But, you know, if something does happen, then you wanna make sure that you're covered and you wanna make sure that you're covered for enough. Right? And you wanna make exactly. Yeah. Personalized retail, you know, comprehensive cover. And what I mean by comprehensive is I just saw from the notes that you've got q super. Is that correct? Or okay. So q super usually comes with comes with insurances, life, total, permanent disability, and income protection. So when you're looking at both insurances, I'm gonna I'm I'm can almost guarantee the answer is gonna be no. But have you did they call you do you super call you up at any point in time and, you know, ask you any health questions or yeah. Yeah. Correct. So that's called group cover. And what we what we see in group cover is every Superfund trustee essentially have an obligation to provide you with some sort of default cover. But the problem is they ask questions after the event of the code. And depending on the event, it might be a bit difficult to ask a question. Right. Yeah. So it makes it what what we like to recommend is what's called comprehensive retail cover, and that goes through, sorry, retail underwritten cover. So it could be any product. We can recommend any product on the planet. It doesn't bother us because we run our own license. So it could be, you know, one of the big plays international like MetLife or Zurich, or could be one of the larger larger insurers in Australia, which is SayTal, t a l, big green three letters. You've probably seen them around, but that's done for this Australian Life. So there's lots of different products. It really comes down to us researching what's best for you. Okay? So, I mean, is it is it does that answer your question? Or beautiful. Beautiful. Brandon, did you have any questions? Or were you kind of both just looking at insurances? Or yep. Okay. Cool. Well, I guess the best probably the best next step is going through a bit of our services and, you know, looking up the financial services guide and giving you a rundown of us. Beautiful. The reason why I also bring up that q super is because when you're looking at insurances and we get comprehensive cover and apply for what what you need in line with your needs analysis, It it's No. That's alright. That's alright. No. That's alright. That's completely fine. I've not closed the door. I've got a beautiful partner with fiancee. She'll say that. Look after little records. But, yeah, we're very much the same. Teamwork. Oh, wow. Oh, it gets worse. I'm sorry. Yeah. So if they can can be stopped, then they start misbehaving in school or any kind of breaks breaks breaks things down, it gets things get a little bit harder, but, you know, you love them nonetheless. That's good. So I just wanna touch on those insurances again. And the reason why I brought up superannuation is because you essentially have that just given to you cover within your insurances. Life life is pretty self explanatory. If you're kinda dead, you're dead. It's bad as that's hard. So that will always kinda get paid off. But what I was saying before is, you know, just to reiterate, it's being insured is a very kinda very balanced kind of thing. Because if you don't claim on it, then you don't get a refund of all the premiums paid your whole life. So it's really important that if you are paying premiums for it, then you wanna make sure that you're covered for enough because being over insured is just as bad as being under insured. K? Because that so so with insurances, it's very much a balancing act between look searching for your retirement outcome, but at the same time protecting you along the way in case something were to go wrong. K? So that's one and, essentially, you're paying some other bloke of premium to cover your needs because you can't cover it yourself. That's that's all about some insurances. So just and what I was saying before is, you know, if you don't claim on your insurance policy, whether that be inside your Superfund and q super that you don't need you're not too sure on if it meets your needs or not, or it's fully comprehensive underwritten insurance cover to that will get you paid. Essentially, if something goes wrong, you wanna make sure that it's enough and you're paying for enough. Okay? And because being over insured is just as bad as being under insured. So if you're over insured, you're paying two higher premiums for cover that you don't need. Let's say your needs analysis is a million dollars, just for numbers sake, for life and total burden of disability. Then if you're covered for what $2,000,000 worth of cover, then what's the point on the extra million? Because you're paying a lot of premiums for that extra million. So it's just dead money. And if you don't claim on it, then, you know, it's it's which is more like yeah. It's even dead money. So if you are paying for insurance cover, then you wanna make sure that you're covered. But like I said, it's really important that you make sure that you're covered for enough. It was just as bad as being over insured and paying two higher premiums, the cover you don't really need. If you're under it's just as bad as being underinsured. K? So if you're underinsured, you're essentially you know, you if you're underinsured, you're paying all these premiums for cover that doesn't meet your needs. So if there's something where to go wrong, then you're you're not gonna leave your partner or your family with with adequate, you know, cover to to pay everything out or suit the lifestyle that they they need to live. You know? There's we and we calculate that. We work out we work out your needs analysis for each of you. Okay? Does does that kinda make sense? Or Beautiful. And how's everything sounding so far? There's different types of insurances that I can touch on as well if you wanted me to. Mhmm. Correct. If yeah. That's exactly right. So for life insurances, it's pretty much split into those four. So life insurance, total permanent disability insurance, and income protection can be structured within a superannuation environment. Even if you got a policy outside of that super fund, you can still get a super fund to pay for that. So it's tax effective, and it doesn't come out of your back pocket. But with trauma insurance, you especially with young kids, you can get linked on child trauma, which covers any sort of traumatic events, any sort of sickness. You can get a lump sum payment, and it's not that much more expensive. But that whole trauma policy or critical illness, you have to pay for that out of your back pocket because of ownership rules. Okay? So were you looking at something like that, a full comprehensive policy covering all of your whole family and including trauma, or were you just kinda looking for something that's based inside your superannuation fund? Okay. Yeah. Absolutely. Absolutely. Definitely got a few claims on that, and it's it's definitely something that is worthwhile having at least for the beginning stages while, you know, fragile children are still very fragile. Yeah. So what's trauma insurance? Yes. So we call them the big three. And the big three are essentially cardiovascular disease, so heart attacks, any sort of cardiovascular issue, illness, or injury. Then you've got cancers. So any sort of cancer, benign or malignant. And then you've also got then you've also got strokes or any sort of TIA or brain hemorrhaging. Those are a lot of the time, those are the main big three that we claim on. But any sort of but, essentially, it comes down to any sort of critical illness as a whole. Okay? So it's, you know, if there's any sort of if you if you were to have some sort of, you know, benign cancer just for yourself, let's say. Right? And you got a little melanoma spot, but it's not malignant. It's not growing. It's just been there for a while, and you wanna get caught up. You can get, you know, pass partial payments of trauma. You can get payments for any sort of a a child illness. Anything that yeah. That that essentially affects the the lifestyle, if that makes sense. So, you know, if it a long time, you could have some sort of, like, autoimmune disease or any sort of significant sickness. You would have a what we call a rider policy that rides on your trauma policy because, essentially, children you can't have any trauma policy under the age of 18. But to cover your kids or any sort of, you know, an issue or critical illness like that, then you can just add it onto your policy as a policyholder, and they're covered as well. It's like an extra $5 a month or something like that. Okay. Does that answer your question? Or Beautiful. Now so that that covers the insurances, and we can we can have a look at getting the super paying for at least three of the four of them. Or, sorry, should I say at most of the three or four of them. And I'm happy to work that up, work out your needs analysis. I'll have to go through a fact find after we go through this. But is that is that all you're kind of looking at at the moment or just insurance recommendation? Okay. Yep. Okay. No. That's right. Well, I think this is probably good segue to talk about kind of our our strategy, our structure, our process. So if you can go on to the email that I sent you just confirming this initial consultation, there should be a couple of attachments there. Let me have a look. I think it sends it both to you, and it's branded with an a. I'll show you. Okay. Let me just bring it up from my end, and I'll make sure there we go. So yeah. So that's if you wanted to put a page in the name, that's that's a that's a very airbrushed picture of myself. I'm a lot more I've got a lot more city miles on me than that. But, yeah, the first so the first attachment is the 2026 Oakview services guide version two. I'm sorry? No. I sent it today. No. I think it I sent it straight from my personal email. Well, my Chevy@opp email, and I sent that about an hour ago. Ten past four. That's madison_o8@homel.com. No. That's alright. If if it didn't come from the info or something along those lines. Yeah. There you go. So like I said, at the at the bottom, you'll there's a if you wanna put a page of the name, like I said, it's very airbrushed. You'll probably see another picture of me there. But, yeah, if you open up that first attachment, that's the 2026 OP services guide. I'll just give you a little bit of a breakdown on kind of the process, what we look at, how we do it. I've been fortunate enough to do this for long enough. It feels like a lifetime now. But, yeah, if you I've I've been able to see this process work, which is really helpful and really beneficial, especially when you see it in, yeah, different different areas and different arenas of finance around the world. Okay. So can have you got that open? Beautiful. I think my VPN is restricting me from downloading it. So give me one second while it's it's annoying. Disconnects. Sorry. It's amazing when technology works, but when it's the size of our work, it's yeah. We we really need it. There we go. Alright. So I just disconnected. So that first page you're looking at should be the OQ should say OQ Financial, OQ Services Guide, ABN, where where our address is, and a picture of the Gold Coast. Can you see that? Beautiful. So a little bit of background on the next page of OP as a whole, myself and my business partner, Bart. We we started this up with a whole bunch of venture capital in a garage in Pimpama on the Gold Coast a long time ago. And, yeah, with the hopes and dreams, and somehow it worked. And we've been building it since there, but, essentially, we wanted to start. This was right at the Royal Commission. Do you remember do you know anything about the 2017 Haines Royal Commission into banking and finance? Or okay. So in 2017, there was this massive Royal Commission that went into banking and finance, and rightfully so, because they found that there was a lot of a lot of financial planners, asset managers, brokers, you know, insurance dealers, even form brokers. Everything got to do with banking and finance. Pretty much all of the big plays were doing doing wrong things. That makes sense. Some you looked at, you know, deceased estates by over twenty years still being charged fees, extortionate fees. You're talking, you know, $1,020,000 dollars a year without telling the or holding on to insurance payments that the family should have received, but, you know, insurance brokers were just holding on to the insurance payments without telling the family and just securing interest on it. Yeah. Things like that. Really, really bad, but there's a lot of there's a few of us that are trying to I'm sure there are a few of us that are trying to do the right thing. And that's why we started our deep financial to be the provision of being the most trusted financial planning firm in Australia. Because at the time, when you because of that, when you think of financial planners and asset managers alike, you you don't really trust is not the first thing that comes to mind. Right? Oh, I honest yeah. Yeah. But, honestly, I agree with it. It's it's a necessary evil. I I I personally dislike insurances, but I understand the purpose behind it because, you know, there's I could tell you some horror stories working in financial industry as a whole, especially when it comes to life insurance. So like I said before, it's it's one of those things you pay all this money for and the best outcome is nothing happens. Okay? This well, that's the thing. So so when you got when I was talking about underwritten comprehensive assurance, if we write it, we manage that, and we review your your situation, and we review your needs analysis. And, you know, if you've got a home, we wanna cover the mortgages worth mortgages worth $750, let's say, numbers numbers wise. But then you you that's called bare bones. And if we cover that, but and we cover you for $750,000 worth of life and total permanent disability, then if in a year's time, you'd paid off, let's say, $50,000 worth of that mortgage and the property value grew by $50,000. Do you still you don't need $750,000 worth of worth of cover anymore. You only need 650,000. So the ideal situation is to be what's called self insured so that you don't have to pay somebody else a premium to cover your needs because you can cover them yourself. Does that make sense? Or yeah. So to be self insured means that you don't have any debts. If either of you or both of you were to pass away because of some tragic event, you know, whatever might happen, then you don't have any debts or such left to your kids, if that makes sense. So so correct. Correct. Exactly. Exactly. So that that kinda gives you that's that's part of our service ongoing and, you know, that's part of that insurance premium. That's why after the Hainville Commission, they introduced a trail commission that we get paid on for any insurance policy that we write as a whole, so as a company. And that's all the same between all insurers. So there's no kind of bias. There's just one of the cheapest and best for you and your occupation. Okay? So, yeah, I guess, going back onto that gives you a bit more of a breakdown on the insurance side of things. But, yeah, going back onto our vision and mission and why we started the company was to be the most trusted financial planning firm in Australia. And I like to think we've upheld that because now we've got a team of, you know, over 40, I think, 43 employees and, yeah, still growing. So and getting good word-of-mouth. So that's I can show Yeah. This is crazy that it just shakes up. I actually got a I spoke to a client. That's the reason why I'm speaking to you guys today is Larissa who you initially had the appointment with. She ended up having a bit of an incident over the weekend and is now at work for the rest of the week. So I opted to, you know, speak to her clients, you know, already booked in booked in things. So I guess you're gonna be fine for mine when you decide to proceed. So, yeah, like, going on to our core values and our core mission, there's a little bit of a blur there. You're welcome to read it in your own time. If you're struggling to get to sleep at some point, feel free to go through it or knock you out pretty quick. But that gives you a little bit of a breakdown of of journey and where we came from, you know, humble beginnings, if you would. But the next page is really what I wanted to kinda focus on, And that's the OP Wealth Cycle. So let me know if you're looking at that page. Beautiful. So this is this is kind of a it's not really a process for us. It's just an overall algorithm in a way. So we it's like I said before, we I've been fortunate enough to work overseas and as a stock broker, I've been working all around the world and then coming back to boutique firms in Australia and starting this firm ourselves. I've seen this process done in many different ways in, you know, CBA, Commonwealth Bank Australia, does it in a ladder where the each step in the ladder is kinda like the next stage, if you would. There's overseas that or mutual. There was they did this process in a diamond, a a base mortgage diamond to different bases. But essentially, they're all the same thing. And we are finance nerds, so some of us names are pretty corny and nerdy, so I do apologize. Bear with me. So most of the time, clients speak to us as a seedling, kinda like in the ground. You know, they don't know which, not too sure which way is up, where the sun is. You know, you're in a dark kind of space. You don't know where to go. So no real growth plan, no strategy, no direction. So what we do is we like to set up essentially foundations, which is what I like to call the roots, Oak view, oak tree. Again, very corny, but it works. So, yeah, we set up we look at the roots, and that's your superannuation, which is essentially growing wealth for retirement. And then making sure that we review your insurances, make sure that you're covered for enough and you're not paying too much, those kind of things. So that if anything were to go wrong, then you you at least you're covered for the rest of your time and so you can access your super. Okay? So that's kind of how those two go hand in hand. Outside of that, part of the roots, you know, it's kind of in the background, and you don't really you don't really you don't you know it's there, but you and it's a really important part of the whole process, but you don't really see it because you don't really touch it or access it until you need it. Right? Or until you can access it. So that comes hand in hand with the accounting and taxation, then you're doing your taxes every year. All being self employed and doing baths and all those weird and wonderful things. But looking at your situation, you know, when you're looking at your insurances, we we also kind of like to do a review of your superannuation as well. And the reason for that is because if we if we get you adequate comprehensive cover outside of, let's say, for example, your q super, then you still if we don't review those q super insurance policies, then you will have two lots of insurances and paying way too much money for premiums that you might not claim on. Does that make sense? Or so that's why we like to work out a way to look after that superannuation as well. It makes it a lot easier from during rollover point of view. But if you're just looking at insurances, we can still work out a way to get q super. We'll try our best to work out a way to get q super as a trustee, coupon trustee, to pay for external insurances, and then we can cancel the insurances inside that fund as well. Okay? Some trustees don't like it. Some trustees just say, no. Well, I get paid money on the insurances with q insure. It's the insurance company that that in that right to those insurance policies for you with QSuper. So why would they cancel get pay for insurance in somewhere else where they get less fees and they get less premiums. You know what I mean? So that's something to be considerate of and think about as well. But we'll give you a recommendation on that no matter what. And that's why I brought up the superannuation. So that's the first step. After that, we can we we kind of once you get this the your retirement balance working harder for you for retirement and making sure that you're covered as well, then we move on to the trunk stage. This is like four pillars, and this is where you're probably at at the moment where you create a relationship with your money, cash flow, and budgeting, family home, like we said before like you said, Maddie, before. You know, over over time, you your property, your primary place of residence, and your home is growing in value, but you're paying it off. So you probably don't need as much insurance in twelve months' time. Okay? So that's that's kind of where our heads are. We also wanna get rid of any bad debt. What what I mean by that is non deductible debt, like personal loans, credit cards. We can work on those cash car loans exactly. If it's not in a if it's not for business purposes, then it's really hard to deduct. Essentially, in Australia, we pay some of the highest marginal tax rates on the planet. So it's not it's not ideal, but in saying that we are an investment haven. So, you know, and that's what I mean by that. So one of the only countries in the world where you can deduct a 100% of the interest charged on invest on assets for investment purposes. Okay? So that's we wanna really try and just solidify those roots and the foundations and the trunk stage so that we can get to that next stage next step up, which is diversification, which is branching out, we call it. And that's when you start leveraging it into equity in your home to get investment properties using OPM. Have you ever heard the statement OPM? OPM? Or, yeah, other people's money. Yeah. So it's I like to yeah. It's it's called OPM in our world, other people's money. It's a great thing because if you wanna buy another property with the equity you've created in your home, you need that cash. You're gonna have to sell that property to get the cash to buy the property. Right? But we're fortunate enough to not be able we'll not have to do that because we can do what's called leveraging and gearing, and you can go and borrow other people's money. Essentially, go to the bank or the institution, say, look, I've got $10,000. I wanna invest it in something, anything, property, shares, whatever it might be, bonds, gold, that, let's just say, makes 10% return in a year. On that $10,000, in one year, you make 10% return. That's a thousand dollars. And that alright. Congratulations. But if you go to an institution like a bank or investment bank and you end up saying, look, I wanna borrow $90,000 to make it a $100 in total, they say, yep. Not a problem. Here's a $100. Sorry. Here's $90,000, but you owe us 5%, just for numbers sake, on interest every year. Right? Then that means you owe that institution 9 $4,500 every year because of the interest on the $90,000. Right? But now you've got a $100,000 or $90,000 that would be in ODM, other people's money. So now you take that a $100,000, put it in the exact same investment that makes the exact same 10% in that exact same year you've made, you know, essentially $10,000. You pay back the 4,500 in interest, which is also deductible. You're left just on face value with $5,500. So you've just done a 55% return in one year by utilizing that strategy. That's called my that's called gearing and leveraging. It's it's essentially getting investment properly if you want. Because if you leverage against your primary place of evidence, you can do that. But if you wanted to get technical, it's called leveraging theory. Yeah. Does does that kinda make sense? Or Yeah. Yeah. So I hope Yeah. Yeah. Yeah. Yeah. But and please do. It's it's a very important part of this. You know, money makes money. So, you know, if you if you think about it from a very foundational level of a whole system, you know, where where an interest rate. So do you guys have your own home? Or okay. Perfect. And how much is the value in the loan on that property? Yep. 490,000. Amazing. And what do you think the value is worth at the moment? Yep. Okay. Okay. 07:50. And you're up in Cairns, Funnel Queensland. Correct? Beautiful. Is it getting hotter yet? Or yeah. It's perfect timing. I used to work. Amazing. Yeah. Yeah. I didn't make it quite that far, but when I was at uni studying exactly what we're doing now, I used to fly to Airlie Beach and then I'm on the bus. I used to be somewhat nautical. When I was at uni, I was on university job. Yeah. It was beautiful. Yeah. It's it's the drinking time of the sailing problem. Right? But anyway, it's yeah. It's I've got a few friends that have met over there that are from you know, Port Douglas, places like that, and it's just around the corner. And, yeah, all I hear is how hard it is. So yeah. But, yeah, essentially, looking at the you you can look at what's called LDR, loan to value ratio, and the equity in your house with us growing over 80%. Because then you initiate what's called LMI, loan mortgage insurance. But like you said, we can get to that stage. But essentially, from there, you know, if you do this process right, we we get about about ten to fifteen years, twelve years I've seen from from a client with no property and I think it was $40,000 worth of savings. So in twelve years, been completely fully self sufficiently retired. Yeah. Yeah. It's it's pretty amazing when you when you do it long enough to actually see it work. So it's an incredible thing. But, yeah, after that, you know, you you get to a stage where you wanna we call it blooming, but you wanna hang up your boots. You call it there. You start leveraging. You borrow money, borrow money, and do the same strategy with the $10 and OPM I've said before, but you do it for other reasons. You'd get a factory for commercial rental or you get a, you know, investment properties, a shared portfolio. You can start building that wealth up without actually crystallizing on any of those assets all the way up until your the yield and the income from the increase in the rent over time and, you know, the the portfolio growth in your shares, start paying more dividends, you can essentially you can essentially be, you know, fully self sufficient to have seen it happen in twelve years. But, you know, it's really shit. That's it. Okay. So $60 dead in the car. You're giving me back to this car. So and it was a you had it? Okay. No. That's alright. Well, let's talk about the car. What kind of what kind of car is it? And what what do you so you owe $60 on it? Or yep. Thank you. Yep. And what what do you think? No. That's right. I used to have my my previous car was the Hilux Rogue. And, honestly, I love that thing. It was just amazing. It took you everywhere and never broke. It was perfect. But so with that Toyota Hilux, what do you think the value is if you were to sell it on the market, secondary market right now? What do you think it's worth? You say 65? Beautiful. Is Brandon still there? Would you say 65 too? Or okay. Yep. Yep. Beautiful. So the Hilux and you've got that primary place of residence. How much are the repayments on that per month? Or Both. Yes. I was talking about the car first. Mhmm. 300 and $3 per week. Beautiful. And what are your payments on your property? Do you know what the interest rate is? Or Mhmm. Correct. That's why I'm asking. No. That's not. Baby dump. Yep. 6.39%. Beautiful. And what's your address? I think Maddie might have wrote it down in our CRM, but I'm not too four eight nine and how do I spell that? Holly Street, beautiful suburb. Pulte Pub. Beautiful. Amazing. Okay. And, yeah, just going back onto the what your mortgage broker said, you've essentially got $250,000 worth of equity in your home at the moment. Yeah. So so you don't really if it's worth 750,000, you don't want to kind of leverage more than 80% of the value of the property because then you initiate loan mortgage insurance, which means your payments go up. K? So if I take 750,000, I'm gonna put 0.8. So that's 600,000 and a minus the $4.90. So you should have, just number wise, depending on, obviously, your occupations and your roles, you should have about a $110,000 worth of leeway that you could essentially refinance and consolidate that that car loan into that mortgage without initiating LMI. It does increase your mortgage and will increase your repayment a little bit, but I'm I can almost guarantee that it will not be increase your payments more than the 303 per week you're paying at the moment. No. Not particularly because the interest that you're paying on your Toyota Harlock is, I would assume, somewhere around the 10 to 12% or seven to 10%, somewhere like that. Or Okay. You just wanna say 9%? So if you're looking at increase have you refinance and you were able to do it, I don't know. I'm not too sure. And so we do all the numbers, but if you were to re if you were to consolidate that debt into the mortgage, you essentially, you're right. You do pay more interest over time. But if you'd look doing apples for apples over a three or five year term, whatever your loan is for your car, you're paying significantly less on that same $57,000 worth of loan over that five years than you are at the moment. And it opens up your cash flow. So if you're really concerned about it, they should say then you offset. Exactly. You can off you can offset the interest charge by utilizing an offset account. Do you have an offset account on your primary place of residence? So you do happen to offset account? Or Yeah. Okay. So I would definitely be looking at that because that that money, that $350 a week or fortnight, you said, was it a week or a fortnight? So that $350 a fortnight is gonna work a lot harder for you and Brendan. Brandon, should I say? Is it Brendan? Brendan. Right? Brendan. So that'll work a lot harder for yourself and Brendan. Sitting in offset and offsetting that interest charge of, you know, 6.39% than sitting in a cash bank account that is getting the cash rate less fees, less inflation, which is about the cash rate at the moment anyway. So you're going you're losing you're you're losing value on every dollar you hold in cash. Yep. Yep. And there's lots of different products out there that your mortgage broker will be able to discuss with you regarding different linking accounts. If that's a product that you're interested in to link up a whole bunch of different accounts to one one loan, you can definitely get products out there on the market that do that. Beautiful. Amazing. So, yeah, that's definitely something that you should get onto sooner rather than later, preferably. Is it appreciated in value? Yeah. So absolutely, it's a good idea. Well, you're gonna have to take that off of your services called Serviceability. You're gonna have to take that loan of, what, 57,000 off your Serviceability. So if you have it it's gonna be better financially. Just I don't know a 100% because I lost I haven't done the numbers yet. So, you know, just keep that in mind. But just by doing this for a while and, you know, looking at your situation, I would assume that it's it's gonna be by five that same five or four year term of a car loan. It can be a lot more a lot more beneficial for you to consolidate all that debt into a non into a appreciating asset, not a deep appreciating asset, that's almost half the interest rates on the same dollars that you're paying, and it's actually in something that's growing in value instead of a nondeductible interest charge that you're paying on an asset that depreciate in value. Okay? Yeah. So that's something you should definitely look at. But once you kinda get in on top of that and you start, then you will essentially not have enough to put down as a refinance to equity release and then purchase investment property. But at least it gives you an idea of how quickly you can pay loans off. And we can do all those numbers and give you recommendations on that as well. Okay? So this is kind of how we build a relationship and, you know, stay stay working with clients all the way up until they call it a day. And we still carry on cracking up, I guess. But that that does that kinda give you an idea of the whole diversification branch, not using other people's money and kind of looking at smarter ways to to make your money work harder for you. Perfect. I mean, all systems based on you know, that that mortgage that you're paying 6.39 on for your home, you borrowed that from a bank. Right? And that bank borrowed that from the Federal Reserve, and they've gotta pay that back at a at a another interest rate, which is called the cash rate. So it was just 4.35 at the moment. So, you know, it's the money that you borrowed from the bank, they borrowed themselves. So that's kinda the chain along the way. But, essentially, after that, once you once we get you to the position of your goals and objective, which I'll confirm in a bit, but then we start looking at really wonderful ways to crystallize on those assets and not pay anywhere near as much tax as you you should. And that's that's things like cost structure, social security strategy, self managed super funds or something as well. Key to us, and then you can call it a day and retire and file. And look at intergenerational wealth, which is what we call ceding. And then the loop starts again for your kids. So does that does that kinda make sense in terms of the whole world cycle thing? Perfect. Amazing. But we'd all start with looking at those insurances. And then, you know, after we do that, if it's appropriate, we'd look at those superannuation, give you a recommendation on that as well if you wanted to. Amazing. Next couple pages is pretty much our story between myself and my business partner on number four of page five, I think, but page four. Meet our experienced team, that's myself, Severiano Zaza, and Sebi's other, but, you know, Sebi's a lot easier. I didn't have a choice in the matter. It just came up. What they gave me, my credentials, and a little bit of a blurb about how awesome they are. Feel free to leave me your own time. My business partner, and the rest of our experienced team. And at the end of the document, there's a little bit more about Occhio Australia, which is just a link between, you know, financial planning, mortgage broker, you know, lending services, and accounting. So there's nothing worse than recommending client server to somebody else that, you know, doesn't they drop the ball or don't service you as a client in their own, you know, in their own expertise? It just looks bad on me. Right? So so that's why we create I work with a close knit network. So if we speak to your mortgage broker, I would I would want them to be a part of this nice little network They remain. But that's a little bit more about us. And looking at the file, the last thing I need to go through is the financial services guide, and they will just gather some further information about you, and then we're done. K? Amazing. So the second document in that email that I sent out is the Oakview financial services guide. Now this is a little bit more about fees and everything else. And this is mostly the compliance, so I'll try and get through it as quick as possible. But, essentially, this is us, IP Financial, all the same details as before. The purpose of this FSG on the next page, are you looking at we'll go through each step. So number one, number two, number three. Are you look are you on that page yet? Or amazing. So the purpose of this FSG is just to make sure that you know that I'm authorized or we are authorized to give personalized financial advice. How we're paid, any sort of conflicts, and what to do if I run away with your money, essentially. So we, as IP Financial, who we are, we essentially run our own Australian financial services license, which means that we are we don't have anyone above us other than the Australian Securities and Investment Commission and the federal government that tells us what to do. So, usually, you know have you ever looked into, you know, Sky let's say Sky Wealth you were talking about? Was that was that the firm that you're talking about before for the okay. So Sky Financial, they are based on the Gold Coast Financial Advisors. We just do a quick Google search. So Sky Financial Advisors look. Yep. So they're essentially if I just grab their their website and I come down underneath to the bottom of their page on their disclaimer, they essentially what Link Wealth Group Proprietary Limited trading as Sky Advisors is an authorized representative of Acumen Financial Plan. Right? So so that Sky Financial or Sky Advisors, they are working as what's called an authorized representative of an AFSO, an Australian Financial Services license. We at OJU run our own license. So we don't have we don't have somebody like Acumen, for example, financial planning about us, telling us what products we need to recommend or, you know, anything like that. We've got the freedom to we got awarded that. ASIC awarded us with our own financial license, which the likes of the big banks and insurance companies have. So we can we can pretty much get advice on a lot across the entire scope. It doesn't bother us. So that gives you an idea of making sure that we look for the right product for our clients. And our Australian Financial Services license number is 513068. Okay? Lack of independence. We can't say that we're independent or unbiased or impartial. The reason for that is because even though we run our own license, we have ASIC above us. So it's just part of the regulations in the corporations act. I mean, make sure that's it. But on page four, the services we provide, we can I just broke it down very simply there between deposit payment products, government debentures, stocks and bonds, life insurances, that's where you're in, and all the rest, all the way down to super? That's all on our approved product list. But our APL, we can have been directed and, you know, been qualified and the degrees that I've got and all the bits and pieces that asset likes to see. You know, we can we can essentially recommend any products on the planet and any sort of strategy. I've got some qualifications too. So to give you a little bit of peace of mind. The way that we kind of provide our advice, that's number five, is we go through this initial contact, understand your information, and get your goals, your risk profile, and show you a bit about us. After that, we're booking some time, another two weeks or so, to give you our recommendation. And from there, you say you can say yay or nay. Essentially, you you can say, no. I don't like this. Go away. And we don't charge you anything because you're in the insurance, the root stage of the advice stage. Or you like what we propose and it suits your needs, and we can show you how you're tracking for retirement. And then from there, what we'll do is you'll give us authority to proceed, the consent to move forward. And after that, we will implement everything for you and get paid by the insurance company if you're only looking at insurances. And then we keep you on track. We catch up every quarter and then every twelve months. We review your needs. We review your debts, and we make sure that your insurances are adequate for your needs. Does that make cool. Part of the fee and charges. So this is our fee structure. There's an upfront and an ongoing service fee. We the each stage is a little bit more complex than the neck. So we do charge a essentially, a letter of engagement charge, which is quite like the $450, you know, $450 Sky Wealth, I think it was SkyVis, whatever the workers you're talking about before. They charge a it's it's to cover our expenses. You know, my time and the lights, all the staff, the team, absolutely everything, as well as the preparation of the the documents. It's a pretty you know, like, carpenters build a desk or build the frame of the house. This document's personalized to you. It's a it doesn't seem it doesn't look as big as a house, but when you're looking at 70 pages or up to 200 pages worth of work and, you know, weeks and sometimes even up to a month worth of planning and preparation, it it take care of the expense of it gets up there. So that's why for more complex strategies, we charge at the differently at different stages. Because you are because you're in the root stage and, you know, bringing you on board as a client and making sure that we can show you our worth, we start with those the root section. And for that, it's complimentary for us to write this statement of advice, whether it'd be insurances, just superannuation, referring you over and looking after your accounting so we can do notice on the terms of claim and all these weird and wonderful things to get more tax back at the end of the day. So it's good because we know how to spend our money better than the government does after five. So yeah. But even if we do all three of those strategies and give you give you a recommendation on that, it's completely complimentary. And then, yeah, we're pretty confident in our services. So that's why we do that part for for a complimentary service. And then from there, we would charge once you're happy to proceed, we charge $4,950 out of the asset that we manage, which is like superannuation or investment portfolio. But because we're not, you know if we're just looking at insurances, we don't charge that out of your super, let's say. We we would just get paid 66% of whatever the insurance premium is. So let's say you've got a thousand dollar. Your your insurances that we recommend for you that you wanna go ahead with cost a thousand dollars, we would get paid $660 from the insurance company for that. Does that make sense? So usually so just just to reiterate, so usually, if we're looking at somebody at your agent stage with yourself mad yourself, Allison, and Brendon, and you're looking at getting started at the roots stage. Alright? You you wanna get your super insurance and get that sorted out so you're growing for retirement, but at the same time, you're making sure you're protecting yourself and your family if something were to go wrong. We look at that strategy. We don't charge any initial upfront cost. Whereas if you've already got your super insurance to sort it out, and you're speaking to me about, you know, leveraging and getting investment portfolio and looking at investment property straight off the bat to draw up the statement of advice, which we're gonna present you the recommendations in. That's gonna cost $2,200 to get it started. Okay? Yep. Yep. No. So if we do not manage your super and only give a recommendation of insurances because we charge a upfront and ongoing fee. So upfront fee of $4,950 out of the assets we manage. Or for couples, $6,600. So 3,300 proportion of the year, it's gone more or less of the assets we manage. Because we're only looking at insurances, we're not managing any of your assets, like superannuation or anything like that. So we don't we can't charge a percentage of zero. So we would only get paid from the insurance company. Does that answer your question? Or so the insurance company would pay us 66% of whatever the insurance premium you'll pay out of your super fund or out of your back pocket for that life, PPE, income protection, and trauma, whatever whatever you need. They would pay us a commission on that and then 22% every year after that, which is disclosed down in the next kind of area. So that's the ongoing service fee on funds under management. But we're not if we don't if we don't give a recommendation on your super, we don't charge anything out of your funds under management because we don't manage any of your funds. We only look at insurance. Okay. So because we don't manage any of your super, no. We do not charge those fees. We get paid from the insurance company. If we if we do if we do manage your super, we will charge those fees. Does that make does that make it a little bit clearer? Or perfect. So did you wanna just kinda start off with a insurance recommendation first and then see how that goes? Or yep. Yeah. No. That's okay. It makes sense. Perfect. And then for an ongoing service fee, if we were to look at superannuation or investments or anything like that funds that we manage as an investment, then there's those ongoing features that would kick in. But, again, because we're only looking at insurances, you don't pay us anything. Does that make sense? Are you sure you sound hesitant? So the implementation fee is if we were to implement the changeover or the management of your funds under management. So, like, your money in superannuation, for example. If we were to move that money around and change the investments, whether it be in q super or any other super fund out there, that takes a lot of work, and then we start managing those assets on top of the insurances. So that's when that fee would kick in because, yeah, there's a lot to it. There's a lot to invest in. Okay? So because we're not looking at that for the meantime, which you indicated, we only wanna look at the insurances. We'll give you a recommendation on your insurance cover, what you need. We'll calculate exactly what your level of coverage that you need to be covered for, and then we'll give that recommendation. If you wanna proceed with it, then we'll get paid commission from the insurance company, which is 66% of whatever your premiums are between you. Okay. But I I'll I'll show all of that and disclose all of that in the statement of the device that we provide in a couple of weeks' time. Okay. So that that would give you a much clearer idea because we're trying to break it down there. Beautiful. Okay. So outside of that, there is the last thing I really wanna go go over is what happens if, for some reason, you know, if you were to invest your super with us, you or you find out that I'm drinking pina coladas in The Bahamas with your money or, you know, I hold on, something happens and, you know, Brandon pops away and I hold on to your assets, something along those lines, What do you do? Right? The first thing you do is you get in touch with our compliance manager of the Australian Financial Services license, which is me. But I will be I'll be drinking pina coladas with your money in The Bahamas. So you probably won't wanna speak to me, and you wouldn't be able to get in touch. So for that reason, we've got a non practicing director who's part a business partner who is the yeah. He's essentially also the compliance manager, so you'll get in touch with him. And he you know, we're pretty reasonable. We've never done anything like that. That's why he's gone business after all these years. But for some unknown reason, if this word occur, and Bob tells you to get stuff because he's gonna join me in The Bahamas somewhere, then you can go on to what's called an external dispute resolution, which is get in touch with AFTCA, the Australian Financial Complaints Authority, and all their details is at the bottom of that number 11 complaint handle, if you can see that. Beautiful. Do you have any questions before we get grab some details? Because we're pretty much at the end. No? Sure. Yes. Yep. Absolutely. Yeah. Did you what I found is actually pretty beneficial because you are essentially in that complimentary consultation phase. What we usually recommend what we usually do is review the skip a recommendation on the superannuation as well as your insurances because when you get to then we can show you the implications of it. Because when I propose and give you the recommendations, if you you can tell me you don't wanna go ahead with superannuation and you just want the insurances, then I have to go ahead with the insurances. And then there's no of those extra charges. But if you do the insurance only and then we do the statement of advice later for superannuation or those other stages, then you're just gonna be spending more money. So it's worthwhile to do the complimentary, you know, statement of advice for the whole root section now and tell me you don't wanna do something rather than say you just wanna do it now, and then I do more advice and charge you for it down the track, if that makes sense. Okay. Because you don't have to go ahead with the recommendations or you don't have to go ahead with any of them. You don't have to go ahead with all of them. You you we we it's more of a discussion when we present that recommendation and advice to you. So you can say, oh, we wanna proceed with insurance, but not super. And I'll say, not a problem. Let's do that. Yeah. Well, until you sign up to save it, sign to what we call a ATP or authority to proceed. So when you get back in touch and I present the statement of life and show you the recommendations, you I won't charge you until you say, yes. I want to proceed with this recommendation, whichever one it might be. And if it's not super, it's only the insurances, then we'll just get paid commission from the insurance company. But I can show you the benefits of actually you know, if there is something that's better for you on the market. And if there's not, then why would I I can't give a recommendation because you wanna go ahead with something that's gonna make you in a worse off position. Right? So yeah. So if that kinda makes sense, it's worthwhile just doing the full scope, which is super insurance, and then, you know, decide whether it's for you or not. Beautiful. Cool. Alright. Well, look, the next step is just running through some basic details for yourself and Brandon, and and then go through a risk profile questionnaire. And after that, we'll just book another time to catch up, another couple weeks. Beautiful. So it's Savan Nocio. Is that right? Yeah. Yeah. Alright. Well, yeah. I got given Severiano, so my best guess is pronounced all the time. I understand. And, Brendan, it's just is it Brendan Smith? Or It's Brendan Smith. Beautiful. Perfect. And what's your what's each of your date of birth? Nineteen ninety seven. Yep. 1997. Beautiful. I'm a Scorpio myself. Sports I'm the I'm the November 4. Yep. Pretty close. And I I've got to ask this question of knowing this day and age. I'm assuming you're a female and your brother's male. Beautiful. And are you guys because of the different names, are you guys married or are you just a doctor or Okay. Okay. Do you have any plans on me getting married or No. That's alright. No. That's alright. I completely understand. Yeah. We just so you're aware as well, part of being a financial adviser is making sure that you've got the financial stability. So, you know, when you come aboard as a client, not just for insurances, if you wanted to grow your wealth, like I said before, that process, then we'll be working together and making sure that that's able to be achieved along the way. Okay? Beautiful. So something to consider. I've got you both your phone numbers. I've got your email addresses. I've got your home address. Do you have a different postal address? Beautiful. And what do you do for employment? What's your occupation? Amazing. Thank you so much. That's that's alright. I completely understand. Emergency department, thank you so much for everything you do. Nurses get nowhere near enough appreciation for what you guys do. It's unbelievable. It's crazy. And Brendan is Brendan for their role? Excavator operator. Beautiful. And your do does he ever work more than 12 meters in height doing that? Or okay. And looking up the strategy, did you want me to do this in the recommendation just for yourself or for yourself and Brandon? Okay. Perfect. I'm I'm gonna need to speak to Brandon if that's okay. Yeah. So Yeah. 12 yes. I I know. Since this is for the insurance, I'm reckon, more the insurance applications when we get them. So 12 meters height is if you're on a roof, if you're ever if you're if you're essentially in the excavator above 12 meters in the machine itself. So yeah. Okay. So so I'll pause here just there. So so for insurance purposes, because I need to write down everything you kinda say. So for insurance purposes, on the side of the mountain digging a road as an excavator operator, I would assume that it's not a sheer cliff like you said. It's more of a yeah. It's more of a gradual kinda 35 meter, like like, an embankment. Yeah? Perfect. Beautiful. And at no beautiful. And at no point in time do you kinda you know, you have that, like, a bit overhanging, a 12 meter clip, or any sort of risk of that. Beautiful. And what do you what do you call yep. Perfect. And maybe and do you only work on roads or, like, civil? Or yeah. Gotcha. Gotcha. Okay. What kind of stuff in the water do you do? Yep. Is it in a harbor or is it just outside of it? More like more like just making sure that you're you're you're ensuring that the way it's been handled. Cool. Max is 1.5 meters. Yep. Yep. Yeah. Understood. Perfect. And you're a 100% field based. Yeah? Do you work for are you employed? You're not self employed or ABN? Right. Beautiful. And what kind of qualifications do you have? Escobar Drive, obviously. Yeah. Gotcha. We got it. Beautiful. Megan, how long what's your employee's name? Like, what's the We know it's vampire. Beautiful. Yeah. No. I I know that. I know that. I can guarantee my five year old's getting in fighting because his dinner's ready and he's just starting to get out of his bed. And how long have you how many years have you been in the industry? Seven years from what that? Amazing. And you're a full time employee? And you say you work about thirty eight, forty hours a week? Let's go forty five for insurance purposes. Gross income of record. Gross income per annum, what would you say you earn every year? Yep. Beautiful. And do you get any sort of, you know, bonuses or anything like that? Yep. The plan is 97,000 plus super. Is it $90,000 plus super? 97,000 plus super? Amazing. Yeah. Gotcha. And who's your Superfund with? Yeah. Plus Superbeautiful. And who's your Superfund with? You guys construction and building industry. Beautiful. If I shoot you through an email after this evening or maybe tomorrow morning, like I said, five year old get hungry tomorrow morning to yourself and Madison. Would you be able to just maybe shoot through a statement of that c plus super for our recommendations? Doesn't mean you have to go ahead with anything. It's like I explained to Madison before, is we found that it's it's beneficial to do the full recommendations now where you can both say you don't wanna go ahead with something rather than do just one strategy now and then, you know, and then and then have to do it down the track anyway. You know? So beautiful. Awesome. Outside of that, I think that's everything I needed from you. Do you salary sacrifice anything into super or raw? And do you have an EBA for your employer? No. Yes. Beautiful. Yeah. So you you don't have to pay to the service, to fund a union or something like that. Right? Beautiful. Beautiful. Beautiful. And are you currently a smoker? Beautiful. Have you smoked in the past twelve months? No. Do you have any significant health issues or injuries on doctor's records? Yeah. No. That's right. Yeah. That'll pass the numbers. Yeah. Gotcha. So trauma is probably gonna be out of the question for you, Brendon, but definitely life changing and income protection. I can probably we could probably look at some sort of income some sort of insurances like that. But, yeah, just with trauma because it literally covers the majority of it, covers and gets paid out on cancer. That's gonna be really difficult for you to get. But I'll try. I'll have a look around. But outside of that, as my ex wife and BCC, do you have anything else that's an issue or Yep. Beautiful. Yeah. My my message is exactly the same. We got I'm only good at the financial planning, flight things, the the everyday life stuff. Not so good at it. So do you take any medication, and do you have private health cover? No. No. Beautiful. And what's your height and weight? Yeah. It's your beautiful. And what's your height and weight? Yep. Yep. And weight. This is k g. Beautiful. That's my healthy BMI. Have I not reached out to the person? What's your height and weight? Yep. Beautiful. Sixty six kilograms. Amazing. And you don't smoke or haven't smoked in the past twelve months, have you? Awesome. Beautiful. And do you take any It must be a Scorpio thing. Yeah. Yeah. I got diagnosed with that stuff. He he way in my early teens. So it's sometimes I like to think of it as a super pound, to be honest. But yeah. Yeah, probably. Lots of lack of sleep. I don't know what to do. Thanks for ADHD over there concerning. One of the two. It's not both. And do you have you you obviously have the extras for the five and l as well? Amazing. And do you guys have a will or power of attorney? Not a problem. I'll when I give my recommendation on insurances as well as super, I'll just do do a recommendation of the power of attorney in there as well. And that will be involved with your binding nomination. So who you nominate to receive your insurance benefits, if either of you were to, you know, get full of your perch, let's say. So we'll do that. Last thing I wanna touch on is looking at your risk profile questionnaire. I don't make these questions up. The federal government does and ASIC. So some of them are pretty pretty stupid. There's only a few of them, so I'll fly through them and then we're done. Okay? So how would you rate and this is each of you individually. K? So I just answered through for yourself. So how would you like to rate your willingness to take financial risk? Would you say that you're a very high risk taker, high risk taker, average, or low risk taker? Medium, high. Two. So I'll say two. High, high. Beautiful. And how would you how familiar are you with the investment markets? Would you say that you're comfortable with the investment knowledge? You're aware that markets kind of fluctuate both up and down? Or you've got very basic? Yeah. No. That's fair enough. Beautiful. So there are things like child builder bonds that you can invest into a high growth standard ETF, things like that. But we can look at that down the track if you did wanna obviously proceed with with the recommendations and things like that. But, yeah, there's lots of really wonderful things that you can do. Like a child build upon, you can pay no tax at the end of a ten year term. And it's in a high growth ETF that I think on average is, like, 11%, something like that. But, yeah, it's pretty crazy what you can do. So that's that's part of what we do mostly as well. What is the gross most aggressive investments you've ever made? Have you either of you bought direct shares before? So what investment are you buying with that $20 a week? Okay. Is it is it does it have a ticket code like a VTS or I I v z? Okay. So the ETFs are direct shared. It's just a portfolio of diversified shares in the background. So there you go. You pay for directional. Yep. Yep. So the ASX actually listed security or Yeah. Yeah. That's the I IVD. Yeah. Correct. That's Oh, that's fine. So you got them in IPV. Yep. Yep. BYS is great. Great investment. So it's IVV. The FPP 500 is incredible, Nick. BYS. Beautiful. And what? B y m. Okay. Beautiful. That's the high yielding one. Correct. Alright. Now the next couple of questions are pretty important. So investments can go up and down in value. It's called volatility. So if we were to invest your superannuation, just for its sake, how much could your investment drop in value by over twelve months before you read this before either of you start getting concerned and anxious. Would you say that you you would start being concerned and anxious if you lose more than 50%, up to 50%, up to 25%, up to 10%, or up to 5%? So how much do you have in your current Qsu Group? The 110, let's just say. So so 10% is $11,000. If your portfolio dropped to 99 or 90 dropped to a $100,000, would you start to feel concerned and anxious? No. It's it's it's not neither bad nor good. It's entirely your tolerance and capacity for us. So it's like, for me, I'm I'm if I see my portfolio drop more than 50%, I rub, you know, people like us rub our hands. You go and see the world crash. We we think that everything's on sale. You know? So I've got a yeah. I've got a completely different mindset too. Yeah. So it's entirely got to do with your risk and your risk profile. It's not mine or Brandon's. So would you say up to 10% you start getting concerned and actions or up to 25%? 25? Yeah. And Brandon? Yeah. Are you able to be with them by any chance? Just just for another four questions? Okay. I I can if you put me on loudspeaker, I can quickly run through these questions. Alright. Between each of you, how would you feel if in six months after investing with, say, RFP Financial, say, your super, for example, you find out that your portfolio has decreased by 20 due to general trends in the financial market? What would you do? One, invest heavily expecting future growth. Invest modestly expecting future growth. Would you, three, hold and await improvement after speaking to your professional your financial professional, or would you tell me to get stuff to move everything to cash? Two, invest two is invest modestly for growth. So invest modestly just to be wireless if the market's low expecting a further growth outcome. Yeah? Okay. And yourself, Madison? Or yep. Would you hold? You say the same? Beautiful. I've got one more question to ask both of you. How much oh, no. Not that one. How have you ever thought about taking out a loan to invest? One, you have borrowed or open to borrowing for stocks and funds like we talked about before, that $100 example? Or you have borrowed or open to borrowing for investment property, or you've only borrowed for your home. Would you beautiful. But for yourself, would you go and leverage against your home, your family home to invest in shares if market was down or something like that? Or Yeah. So sorry. So have you ever thought about taking out a loan to invest? One, you have borrowed or open to borrowing for stocks and funds? Three, have borrowed or open to borrowing or investment property. So borrowing against your home, that's it, to invest investment property. Or five oh, yeah. Okay. Gotcha. Perfect. And the follow the last question is thinking about the way you answered that last question, how would you how would taking out a loan to invest make you feel? Would you say that you're comfortable borrowing because you are aware of the risk and know how the potential of upside, but also know that you can lose a lot? Would you say that you're somewhat comfortable and cautious of the risk, or would you say that you're Cautious. That's beautiful. Okay. With that, when is a suitable time? I'm gonna shoot you through an email, probably tomorrow morning. I know that my lovely fiance and Rikers, they're probably waiting for me. So I'm gonna have to run too. No. Don't be fine. No. No. No. Money never sleeps. It's very true saying in our world. So what I need to do is I'll send you through an email probably tomorrow morning just asking for some, you know, super statements, insurance, certificates as currency. And if you don't have them, that's okay. Just send through what you can. And other than that, look, we have completed the initial consultation, so thank you for your time. When is a good time, maybe in a couple of weeks, for me to give you a callback and, yeah, run through a bit of a bit of a recommendation statement? Maybe even the end of next week? That was 05:00. It sounds like 05:00 knowing your your your your wage and your your your permanent part time is a e n, aren't you? RN. Sorry. Yep. RN. I'm sorry. I didn't I didn't need to ask this. What is your wage per annum? Yeah. That's okay. What would you say it would be normally? Okay. Good. And because you're with q super and you're working in Queensland as a RN, do you get the extra super benefits, your salary sacrifice, and all of that? Or 5%. Yep. Yeah. Yeah. So you get you do about 5% because 5% ends up getting you an extra kind of 4% match by the government. Right? So it's worth it. Yeah. It's worth it. Perfect. And you that's that's all good. That's all good. Yeah. Look. That's that. When's a good time? I'm looking at does 05:00 in the afternoon suit you guys? It sounds like you're busy with the kids, but I'm assuming you're working on Final Pass. What about next week? What about next week Tuesday, 5PM? Not a problem. I'll send you a calendar invite. Do you have any questions for me? That's alright. They've they've dealt with it for a very long time. So trust me, it's it's something that's pretty common. So I think financial statement of advice and scores. And yeah. Look. Thanks for reaching out. Look forward to speaking to you in a week, hon. No problem. See you guys later. Enjoy the night. 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Am I speaking with Madison? Hey. We're not here. It's Debbie calling from Motley Financial.\n\nHow are you doing? I am very well. Thank you for asking. It's my work at home day, so I could not be better, to be honest. Doing a lot of zero yeah.\n\nSo I'm just in the comfort of my own home doing a good initial consultation. Is Brendan there? Mate, lovely to virtually meet you. I do apologize. I realized that I spelled your name wrong in the email I sent out.\n\nOh, yes. So yeah. I know that's what the I think that novel, How to Win Friends and Influence People by Mark Ganeshi. It's the most beautiful sound to anybody to hear is their own name. So I do apologize about that, mate.\n\nAll good. Yeah. Now I've sent you through that email with a couple of attachments. I guess the first the way this itinerary kinda runs out is just kinda understanding what you guys are looking for, getting to know you as clients, and then show you a little bit more about us, do a little bit of the fact find, and, yeah, go through a risk profile and then book in some time to do a statement on advice. Perfect.\n\nNow I understand that. Just from reading the notes, you you you've got a coworker, Maddie, that that is a client about already? Or sorry. Can you can you hear me correctly? Or is it a little bit softer?\n\nLittle bit muffled? Alright. Give me one second. I've got my headphones in. So let me try this.\n\nOne second. Let's try and make this a little bit better for you. Alright. What about now? That's a bit better?\n\nAlright. I'll speak a little bit louder. I'll start yelling now. Hope for the best. Yeah.\n\nSo I I believe you've got a we've already got a client on board that you work with, Maddie. Is that correct? Or Elliot. Okay. Perfect.\n\nDo you know who the adviser is, Elliot? Or Yeah. No. That's okay. I was just interested, to be honest.\n\nBut yeah. I'm glad that we've done a good enough service to be able to, you know, refer clients just like your cell server. So amazing. So yeah. Look.\n\nI I just from reading the notes, it looks like you're interest interested in insurances. But, yeah, give give me a little bit of a breakdown on what you're looking for. Mhmm. Yep. Okay.\n\nYes. Yes. That's what I like with a five year old, so I completely understand. Yeah. No.\n\nThat's alright. Well, yeah, that's that's absolutely right. So we I'll walk you through a bit of our financial services guide and, I guess, overview services guide to show you our process, our fees, and all those bits and pieces, and go through go through everything from there. Yeah. It's it's we to to answer your question, yeah, in terms of superannuation or insurance reviews, we don't charge anything because the insurance company pays us.\n\nSo why would we charge you? You know what I mean? But and all yeah. So we try and make it as settled. No.\n\nWell, we run our own Australian financial services license. So we essentially can we've got no one above us to tell us what to do or what products to recommend, and that just gives us a lot of freedom. So to answer your question, yes, we can write insurance to get your super to pay for it, but could be a retail policy. It could be a group policy. I don't really like group policies because, you know, insurances are these things that you pay all this money for, and the best outcome is nothing happens.\n\nRight? But if nothing happens, you paid all this money, and you don't get a refund of all the premiums you paid your whole life. So it's a horrible financial decision. But, you know, if something does happen, then you wanna make sure that you're covered and you wanna make sure that you're covered for enough. Right?\n\nAnd you wanna make exactly. Yeah. Personalized retail, you know, comprehensive cover. And what I mean by comprehensive is I just saw from the notes that you've got q super. Is that correct?\n\nOr okay. So q super usually comes with comes with insurances, life, total, permanent disability, and income protection. So when you're looking at both insurances, I'm gonna I'm I'm can almost guarantee the answer is gonna be no. But have you did they call you do you super call you up at any point in time and, you know, ask you any health questions or yeah. Yeah.\n\nCorrect. So that's called group cover. And what we what we see in group cover is every Superfund trustee essentially have an obligation to provide you with some sort of default cover. But the problem is they ask questions after the event of the code. And depending on the event, it might be a bit difficult to ask a question.\n\nRight. Yeah. So it makes it what what we like to recommend is what's called comprehensive retail cover, and that goes through, sorry, retail underwritten cover. So it could be any product. We can recommend any product on the planet.\n\nIt doesn't bother us because we run our own license. So it could be, you know, one of the big plays international like MetLife or Zurich, or could be one of the larger larger insurers in Australia, which is SayTal, t a l, big green three letters. You've probably seen them around, but that's done for this Australian Life. So there's lots of different products. It really comes down to us researching what's best for you.\n\nOkay? So, I mean, is it is it does that answer your question? Or beautiful. Beautiful. Brandon, did you have any questions?\n\nOr were you kind of both just looking at insurances? Or yep. Okay. Cool. Well, I guess the best probably the best next step is going through a bit of our services and, you know, looking up the financial services guide and giving you a rundown of us.\n\nBeautiful. The reason why I also bring up that q super is because when you're looking at insurances and we get comprehensive cover and apply for what what you need in line with your needs analysis, It it's No. That's alright. That's alright. No.\n\nThat's alright. That's completely fine. I've not closed the door. I've got a beautiful partner with fiancee. She'll say that.\n\nLook after little records. But, yeah, we're very much the same. Teamwork. Oh, wow. Oh, it gets worse.\n\nI'm sorry. Yeah. So if they can can be stopped, then they start misbehaving in school or any kind of breaks breaks breaks things down, it gets things get a little bit harder, but, you know, you love them nonetheless. That's good. So I just wanna touch on those insurances again.\n\nAnd the reason why I brought up superannuation is because you essentially have that just given to you cover within your insurances. Life life is pretty self explanatory. If you're kinda dead, you're dead. It's bad as that's hard. So that will always kinda get paid off.\n\nBut what I was saying before is, you know, just to reiterate, it's being insured is a very kinda very balanced kind of thing. Because if you don't claim on it, then you don't get a refund of all the premiums paid your whole life. So it's really important that if you are paying premiums for it, then you wanna make sure that you're covered for enough because being over insured is just as bad as being under insured. K? Because that so so with insurances, it's very much a balancing act between look searching for your retirement outcome, but at the same time protecting you along the way in case something were to go wrong.\n\nK? So that's one and, essentially, you're paying some other bloke of premium to cover your needs because you can't cover it yourself. That's that's all about some insurances. So just and what I was saying before is, you know, if you don't claim on your insurance policy, whether that be inside your Superfund and q super that you don't need you're not too sure on if it meets your needs or not, or it's fully comprehensive underwritten insurance cover to that will get you paid. Essentially, if something goes wrong, you wanna make sure that it's enough and you're paying for enough.\n\nOkay? And because being over insured is just as bad as being under insured. So if you're over insured, you're paying two higher premiums for cover that you don't need. Let's say your needs analysis is a million dollars, just for numbers sake, for life and total burden of disability. Then if you're covered for what $2,000,000 worth of cover, then what's the point on the extra million?\n\nBecause you're paying a lot of premiums for that extra million. So it's just dead money. And if you don't claim on it, then, you know, it's it's which is more like yeah. It's even dead money. So if you are paying for insurance cover, then you wanna make sure that you're covered.\n\nBut like I said, it's really important that you make sure that you're covered for enough. It was just as bad as being over insured and paying two higher premiums, the cover you don't really need. If you're under it's just as bad as being underinsured. K? So if you're underinsured, you're essentially you know, you if you're underinsured, you're paying all these premiums for cover that doesn't meet your needs.\n\nSo if there's something where to go wrong, then you're you're not gonna leave your partner or your family with with adequate, you know, cover to to pay everything out or suit the lifestyle that they they need to live. You know? There's we and we calculate that. We work out we work out your needs analysis for each of you. Okay?\n\nDoes does that kinda make sense? Or Beautiful. And how's everything sounding so far? There's different types of insurances that I can touch on as well if you wanted me to. Mhmm.\n\nCorrect. If yeah. That's exactly right. So for life insurances, it's pretty much split into those four. So life insurance, total permanent disability insurance, and income protection can be structured within a superannuation environment.\n\nEven if you got a policy outside of that super fund, you can still get a super fund to pay for that. So it's tax effective, and it doesn't come out of your back pocket. But with trauma insurance, you especially with young kids, you can get linked on child trauma, which covers any sort of traumatic events, any sort of sickness. You can get a lump sum payment, and it's not that much more expensive. But that whole trauma policy or critical illness, you have to pay for that out of your back pocket because of ownership rules.\n\nOkay? So were you looking at something like that, a full comprehensive policy covering all of your whole family and including trauma, or were you just kinda looking for something that's based inside your superannuation fund? Okay. Yeah. Absolutely.\n\nAbsolutely. Definitely got a few claims on that, and it's it's definitely something that is worthwhile having at least for the beginning stages while, you know, fragile children are still very fragile. Yeah. So what's trauma insurance? Yes.\n\nSo we call them the big three. And the big three are essentially cardiovascular disease, so heart attacks, any sort of cardiovascular issue, illness, or injury. Then you've got cancers. So any sort of cancer, benign or malignant. And then you've also got then you've also got strokes or any sort of TIA or brain hemorrhaging.\n\nThose are a lot of the time, those are the main big three that we claim on. But any sort of but, essentially, it comes down to any sort of critical illness as a whole. Okay? So it's, you know, if there's any sort of if you if you were to have some sort of, you know, benign cancer just for yourself, let's say. Right?\n\nAnd you got a little melanoma spot, but it's not malignant. It's not growing. It's just been there for a while, and you wanna get caught up. You can get, you know, pass partial payments of trauma. You can get payments for any sort of a a child illness.\n\nAnything that yeah. That that essentially affects the the lifestyle, if that makes sense. So, you know, if it a long time, you could have some sort of, like, autoimmune disease or any sort of significant sickness. You would have a what we call a rider policy that rides on your trauma policy because, essentially, children you can't have any trauma policy under the age of 18. But to cover your kids or any sort of, you know, an issue or critical illness like that, then you can just add it onto your policy as a policyholder, and they're covered as well.\n\nIt's like an extra $5 a month or something like that. Okay. Does that answer your question? Or Beautiful. Now so that that covers the insurances, and we can we can have a look at getting the super paying for at least three of the four of them.\n\nOr, sorry, should I say at most of the three or four of them. And I'm happy to work that up, work out your needs analysis. I'll have to go through a fact find after we go through this. But is that is that all you're kind of looking at at the moment or just insurance recommendation? Okay.\n\nYep. Okay. No. That's right. Well, I think this is probably good segue to talk about kind of our our strategy, our structure, our process.\n\nSo if you can go on to the email that I sent you just confirming this initial consultation, there should be a couple of attachments there. Let me have a look. I think it sends it both to you, and it's branded with an a. I'll show you. Okay.\n\nLet me just bring it up from my end, and I'll make sure there we go. So yeah. So that's if you wanted to put a page in the name, that's that's a that's a very airbrushed picture of myself. I'm a lot more I've got a lot more city miles on me than that. But, yeah, the first so the first attachment is the 2026 Oakview services guide version two.\n\nI'm sorry? No. I sent it today. No. I think it I sent it straight from my personal email.\n\nWell, my Chevy@opp email, and I sent that about an hour ago. Ten past four. That's madison_o8@homel.com. No. That's alright.\n\nIf if it didn't come from the info or something along those lines. Yeah. There you go. So like I said, at the at the bottom, you'll there's a if you wanna put a page of the name, like I said, it's very airbrushed. You'll probably see another picture of me there.\n\nBut, yeah, if you open up that first attachment, that's the 2026 OP services guide. I'll just give you a little bit of a breakdown on kind of the process, what we look at, how we do it. I've been fortunate enough to do this for long enough. It feels like a lifetime now. But, yeah, if you I've I've been able to see this process work, which is really helpful and really beneficial, especially when you see it in, yeah, different different areas and different arenas of finance around the world.\n\nOkay. So can have you got that open? Beautiful. I think my VPN is restricting me from downloading it. So give me one second while it's it's annoying.\n\nDisconnects. Sorry. It's amazing when technology works, but when it's the size of our work, it's yeah. We we really need it. There we go.\n\nAlright. So I just disconnected. So that first page you're looking at should be the OQ should say OQ Financial, OQ Services Guide, ABN, where where our address is, and a picture of the Gold Coast. Can you see that? Beautiful.\n\nSo a little bit of background on the next page of OP as a whole, myself and my business partner, Bart. We we started this up with a whole bunch of venture capital in a garage in Pimpama on the Gold Coast a long time ago. And, yeah, with the hopes and dreams, and somehow it worked. And we've been building it since there, but, essentially, we wanted to start. This was right at the Royal Commission.\n\nDo you remember do you know anything about the 2017 Haines Royal Commission into banking and finance? Or okay. So in 2017, there was this massive Royal Commission that went into banking and finance, and rightfully so, because they found that there was a lot of a lot of financial planners, asset managers, brokers, you know, insurance dealers, even form brokers. Everything got to do with banking and finance. Pretty much all of the big plays were doing doing wrong things.\n\nThat makes sense. Some you looked at, you know, deceased estates by over twenty years still being charged fees, extortionate fees. You're talking, you know, $1,020,000 dollars a year without telling the or holding on to insurance payments that the family should have received, but, you know, insurance brokers were just holding on to the insurance payments without telling the family and just securing interest on it. Yeah. Things like that.\n\nReally, really bad, but there's a lot of there's a few of us that are trying to I'm sure there are a few of us that are trying to do the right thing. And that's why we started our deep financial to be the provision of being the most trusted financial planning firm in Australia. Because at the time, when you because of that, when you think of financial planners and asset managers alike, you you don't really trust is not the first thing that comes to mind. Right? Oh, I honest yeah.\n\nYeah. But, honestly, I agree with it. It's it's a necessary evil. I I I personally dislike insurances, but I understand the purpose behind it because, you know, there's I could tell you some horror stories working in financial industry as a whole, especially when it comes to life insurance. So like I said before, it's it's one of those things you pay all this money for and the best outcome is nothing happens.\n\nOkay? This well, that's the thing. So so when you got when I was talking about underwritten comprehensive assurance, if we write it, we manage that, and we review your your situation, and we review your needs analysis. And, you know, if you've got a home, we wanna cover the mortgages worth mortgages worth $750, let's say, numbers numbers wise. But then you you that's called bare bones.\n\nAnd if we cover that, but and we cover you for $750,000 worth of life and total permanent disability, then if in a year's time, you'd paid off, let's say, $50,000 worth of that mortgage and the property value grew by $50,000. Do you still you don't need $750,000 worth of worth of cover anymore. You only need 650,000. So the ideal situation is to be what's called self insured so that you don't have to pay somebody else a premium to cover your needs because you can cover them yourself. Does that make sense?\n\nOr yeah. So to be self insured means that you don't have any debts. If either of you or both of you were to pass away because of some tragic event, you know, whatever might happen, then you don't have any debts or such left to your kids, if that makes sense. So so correct. Correct.\n\nExactly. Exactly. So that that kinda gives you that's that's part of our service ongoing and, you know, that's part of that insurance premium. That's why after the Hainville Commission, they introduced a trail commission that we get paid on for any insurance policy that we write as a whole, so as a company. And that's all the same between all insurers.\n\nSo there's no kind of bias. There's just one of the cheapest and best for you and your occupation. Okay? So, yeah, I guess, going back onto that gives you a bit more of a breakdown on the insurance side of things. But, yeah, going back onto our vision and mission and why we started the company was to be the most trusted financial planning firm in Australia.\n\nAnd I like to think we've upheld that because now we've got a team of, you know, over 40, I think, 43 employees and, yeah, still growing. So and getting good word-of-mouth. So that's I can show Yeah. This is crazy that it just shakes up. I actually got a I spoke to a client.\n\nThat's the reason why I'm speaking to you guys today is Larissa who you initially had the appointment with. She ended up having a bit of an incident over the weekend and is now at work for the rest of the week. So I opted to, you know, speak to her clients, you know, already booked in booked in things. So I guess you're gonna be fine for mine when you decide to proceed. So, yeah, like, going on to our core values and our core mission, there's a little bit of a blur there.\n\nYou're welcome to read it in your own time. If you're struggling to get to sleep at some point, feel free to go through it or knock you out pretty quick. But that gives you a little bit of a breakdown of of journey and where we came from, you know, humble beginnings, if you would. But the next page is really what I wanted to kinda focus on, And that's the OP Wealth Cycle. So let me know if you're looking at that page.\n\nBeautiful. So this is this is kind of a it's not really a process for us. It's just an overall algorithm in a way. So we it's like I said before, we I've been fortunate enough to work overseas and as a stock broker, I've been working all around the world and then coming back to boutique firms in Australia and starting this firm ourselves. I've seen this process done in many different ways in, you know, CBA, Commonwealth Bank Australia, does it in a ladder where the each step in the ladder is kinda like the next stage, if you would.\n\nThere's overseas that or mutual. There was they did this process in a diamond, a a base mortgage diamond to different bases. But essentially, they're all the same thing. And we are finance nerds, so some of us names are pretty corny and nerdy, so I do apologize. Bear with me.\n\nSo most of the time, clients speak to us as a seedling, kinda like in the ground. You know, they don't know which, not too sure which way is up, where the sun is. You know, you're in a dark kind of space. You don't know where to go. So no real growth plan, no strategy, no direction.\n\nSo what we do is we like to set up essentially foundations, which is what I like to call the roots, Oak view, oak tree. Again, very corny, but it works. So, yeah, we set up we look at the roots, and that's your superannuation, which is essentially growing wealth for retirement. And then making sure that we review your insurances, make sure that you're covered for enough and you're not paying too much, those kind of things. So that if anything were to go wrong, then you you at least you're covered for the rest of your time and so you can access your super.\n\nOkay? So that's kind of how those two go hand in hand. Outside of that, part of the roots, you know, it's kind of in the background, and you don't really you don't really you don't you know it's there, but you and it's a really important part of the whole process, but you don't really see it because you don't really touch it or access it until you need it. Right? Or until you can access it.\n\nSo that comes hand in hand with the accounting and taxation, then you're doing your taxes every year. All being self employed and doing baths and all those weird and wonderful things. But looking at your situation, you know, when you're looking at your insurances, we we also kind of like to do a review of your superannuation as well. And the reason for that is because if we if we get you adequate comprehensive cover outside of, let's say, for example, your q super, then you still if we don't review those q super insurance policies, then you will have two lots of insurances and paying way too much money for premiums that you might not claim on. Does that make sense?\n\nOr so that's why we like to work out a way to look after that superannuation as well. It makes it a lot easier from during rollover point of view. But if you're just looking at insurances, we can still work out a way to get q super. We'll try our best to work out a way to get q super as a trustee, coupon trustee, to pay for external insurances, and then we can cancel the insurances inside that fund as well. Okay?\n\nSome trustees don't like it. Some trustees just say, no. Well, I get paid money on the insurances with q insure. It's the insurance company that that in that right to those insurance policies for you with QSuper. So why would they cancel get pay for insurance in somewhere else where they get less fees and they get less premiums.\n\nYou know what I mean? So that's something to be considerate of and think about as well. But we'll give you a recommendation on that no matter what. And that's why I brought up the superannuation. So that's the first step.\n\nAfter that, we can we we kind of once you get this the your retirement balance working harder for you for retirement and making sure that you're covered as well, then we move on to the trunk stage. This is like four pillars, and this is where you're probably at at the moment where you create a relationship with your money, cash flow, and budgeting, family home, like we said before like you said, Maddie, before. You know, over over time, you your property, your primary place of residence, and your home is growing in value, but you're paying it off. So you probably don't need as much insurance in twelve months' time. Okay?\n\nSo that's that's kind of where our heads are. We also wanna get rid of any bad debt. What what I mean by that is non deductible debt, like personal loans, credit cards. We can work on those cash car loans exactly. If it's not in a if it's not for business purposes, then it's really hard to deduct.\n\nEssentially, in Australia, we pay some of the highest marginal tax rates on the planet. So it's not it's not ideal, but in saying that we are an investment haven. So, you know, and that's what I mean by that. So one of the only countries in the world where you can deduct a 100% of the interest charged on invest on assets for investment purposes. Okay?\n\nSo that's we wanna really try and just solidify those roots and the foundations and the trunk stage so that we can get to that next stage next step up, which is diversification, which is branching out, we call it. And that's when you start leveraging it into equity in your home to get investment properties using OPM. Have you ever heard the statement OPM? OPM? Or, yeah, other people's money.\n\nYeah. So it's I like to yeah. It's it's called OPM in our world, other people's money. It's a great thing because if you wanna buy another property with the equity you've created in your home, you need that cash. You're gonna have to sell that property to get the cash to buy the property.\n\nRight? But we're fortunate enough to not be able we'll not have to do that because we can do what's called leveraging and gearing, and you can go and borrow other people's money. Essentially, go to the bank or the institution, say, look, I've got $10,000. I wanna invest it in something, anything, property, shares, whatever it might be, bonds, gold, that, let's just say, makes 10% return in a year. On that $10,000, in one year, you make 10% return.\n\nThat's a thousand dollars. And that alright. Congratulations. But if you go to an institution like a bank or investment bank and you end up saying, look, I wanna borrow $90,000 to make it a $100 in total, they say, yep. Not a problem.\n\nHere's a $100. Sorry. Here's $90,000, but you owe us 5%, just for numbers sake, on interest every year. Right? Then that means you owe that institution 9 $4,500 every year because of the interest on the $90,000.\n\nRight? But now you've got a $100,000 or $90,000 that would be in ODM, other people's money. So now you take that a $100,000, put it in the exact same investment that makes the exact same 10% in that exact same year you've made, you know, essentially $10,000. You pay back the 4,500 in interest, which is also deductible. You're left just on face value with $5,500.\n\nSo you've just done a 55% return in one year by utilizing that strategy. That's called my that's called gearing and leveraging. It's it's essentially getting investment properly if you want. Because if you leverage against your primary place of evidence, you can do that. But if you wanted to get technical, it's called leveraging theory.\n\nYeah. Does does that kinda make sense? Or Yeah. Yeah. So I hope Yeah.\n\nYeah. Yeah. Yeah. But and please do. It's it's a very important part of this.\n\nYou know, money makes money. So, you know, if you if you think about it from a very foundational level of a whole system, you know, where where an interest rate. So do you guys have your own home? Or okay. Perfect.\n\nAnd how much is the value in the loan on that property? Yep. 490,000. Amazing. And what do you think the value is worth at the moment?\n\nYep. Okay. Okay. 07:50. And you're up in Cairns, Funnel Queensland.\n\nCorrect? Beautiful. Is it getting hotter yet? Or yeah. It's perfect timing.\n\nI used to work. Amazing. Yeah. Yeah. I didn't make it quite that far, but when I was at uni studying exactly what we're doing now, I used to fly to Airlie Beach and then I'm on the bus.\n\nI used to be somewhat nautical. When I was at uni, I was on university job. Yeah. It was beautiful. Yeah.\n\nIt's it's the drinking time of the sailing problem. Right? But anyway, it's yeah. It's I've got a few friends that have met over there that are from you know, Port Douglas, places like that, and it's just around the corner. And, yeah, all I hear is how hard it is.\n\nSo yeah. But, yeah, essentially, looking at the you you can look at what's called LDR, loan to value ratio, and the equity in your house with us growing over 80%. Because then you initiate what's called LMI, loan mortgage insurance. But like you said, we can get to that stage. But essentially, from there, you know, if you do this process right, we we get about about ten to fifteen years, twelve years I've seen from from a client with no property and I think it was $40,000 worth of savings.\n\nSo in twelve years, been completely fully self sufficiently retired. Yeah. Yeah. It's it's pretty amazing when you when you do it long enough to actually see it work. So it's an incredible thing.\n\nBut, yeah, after that, you know, you you get to a stage where you wanna we call it blooming, but you wanna hang up your boots. You call it there. You start leveraging. You borrow money, borrow money, and do the same strategy with the $10 and OPM I've said before, but you do it for other reasons. You'd get a factory for commercial rental or you get a, you know, investment properties, a shared portfolio.\n\nYou can start building that wealth up without actually crystallizing on any of those assets all the way up until your the yield and the income from the increase in the rent over time and, you know, the the portfolio growth in your shares, start paying more dividends, you can essentially you can essentially be, you know, fully self sufficient to have seen it happen in twelve years. But, you know, it's really shit. That's it. Okay. So $60 dead in the car.\n\nYou're giving me back to this car. So and it was a you had it? Okay. No. That's alright.\n\nWell, let's talk about the car. What kind of what kind of car is it? And what what do you so you owe $60 on it? Or yep. Thank you.\n\nYep. And what what do you think? No. That's right. I used to have my my previous car was the Hilux Rogue.\n\nAnd, honestly, I love that thing. It was just amazing. It took you everywhere and never broke. It was perfect. But so with that Toyota Hilux, what do you think the value is if you were to sell it on the market, secondary market right now?\n\nWhat do you think it's worth? You say 65? Beautiful. Is Brandon still there? Would you say 65 too?\n\nOr okay. Yep. Yep. Beautiful. So the Hilux and you've got that primary place of residence.\n\nHow much are the repayments on that per month? Or Both. Yes. I was talking about the car first. Mhmm.\n\n300 and $3 per week. Beautiful. And what are your payments on your property? Do you know what the interest rate is? Or Mhmm.\n\nCorrect. That's why I'm asking. No. That's not. Baby dump.\n\nYep. 6.39%. Beautiful. And what's your address? I think Maddie might have wrote it down in our CRM, but I'm not too four eight nine and how do I spell that?\n\nHolly Street, beautiful suburb. Pulte Pub. Beautiful. Amazing. Okay.\n\nAnd, yeah, just going back onto the what your mortgage broker said, you've essentially got $250,000 worth of equity in your home at the moment. Yeah. So so you don't really if it's worth 750,000, you don't want to kind of leverage more than 80% of the value of the property because then you initiate loan mortgage insurance, which means your payments go up. K? So if I take 750,000, I'm gonna put 0.8.\n\nSo that's 600,000 and a minus the $4.90. So you should have, just number wise, depending on, obviously, your occupations and your roles, you should have about a $110,000 worth of leeway that you could essentially refinance and consolidate that that car loan into that mortgage without initiating LMI. It does increase your mortgage and will increase your repayment a little bit, but I'm I can almost guarantee that it will not be increase your payments more than the 303 per week you're paying at the moment. No. Not particularly because the interest that you're paying on your Toyota Harlock is, I would assume, somewhere around the 10 to 12% or seven to 10%, somewhere like that.\n\nOr Okay. You just wanna say 9%? So if you're looking at increase have you refinance and you were able to do it, I don't know. I'm not too sure. And so we do all the numbers, but if you were to re if you were to consolidate that debt into the mortgage, you essentially, you're right.\n\nYou do pay more interest over time. But if you'd look doing apples for apples over a three or five year term, whatever your loan is for your car, you're paying significantly less on that same $57,000 worth of loan over that five years than you are at the moment. And it opens up your cash flow. So if you're really concerned about it, they should say then you offset. Exactly.\n\nYou can off you can offset the interest charge by utilizing an offset account. Do you have an offset account on your primary place of residence? So you do happen to offset account? Or Yeah. Okay.\n\nSo I would definitely be looking at that because that that money, that $350 a week or fortnight, you said, was it a week or a fortnight? So that $350 a fortnight is gonna work a lot harder for you and Brendan. Brandon, should I say? Is it Brendan? Brendan.\n\nRight? Brendan. So that'll work a lot harder for yourself and Brendan. Sitting in offset and offsetting that interest charge of, you know, 6.39% than sitting in a cash bank account that is getting the cash rate less fees, less inflation, which is about the cash rate at the moment anyway. So you're going you're losing you're you're losing value on every dollar you hold in cash.\n\nYep. Yep. And there's lots of different products out there that your mortgage broker will be able to discuss with you regarding different linking accounts. If that's a product that you're interested in to link up a whole bunch of different accounts to one one loan, you can definitely get products out there on the market that do that. Beautiful.\n\nAmazing. So, yeah, that's definitely something that you should get onto sooner rather than later, preferably. Is it appreciated in value? Yeah. So absolutely, it's a good idea.\n\nWell, you're gonna have to take that off of your services called Serviceability. You're gonna have to take that loan of, what, 57,000 off your Serviceability. So if you have it it's gonna be better financially. Just I don't know a 100% because I lost I haven't done the numbers yet. So, you know, just keep that in mind.\n\nBut just by doing this for a while and, you know, looking at your situation, I would assume that it's it's gonna be by five that same five or four year term of a car loan. It can be a lot more a lot more beneficial for you to consolidate all that debt into a non into a appreciating asset, not a deep appreciating asset, that's almost half the interest rates on the same dollars that you're paying, and it's actually in something that's growing in value instead of a nondeductible interest charge that you're paying on an asset that depreciate in value. Okay? Yeah. So that's something you should definitely look at.\n\nBut once you kinda get in on top of that and you start, then you will essentially not have enough to put down as a refinance to equity release and then purchase investment property. But at least it gives you an idea of how quickly you can pay loans off. And we can do all those numbers and give you recommendations on that as well. Okay? So this is kind of how we build a relationship and, you know, stay stay working with clients all the way up until they call it a day.\n\nAnd we still carry on cracking up, I guess. But that that does that kinda give you an idea of the whole diversification branch, not using other people's money and kind of looking at smarter ways to to make your money work harder for you. Perfect. I mean, all systems based on you know, that that mortgage that you're paying 6.39 on for your home, you borrowed that from a bank. Right?\n\nAnd that bank borrowed that from the Federal Reserve, and they've gotta pay that back at a at a another interest rate, which is called the cash rate. So it was just 4.35 at the moment. So, you know, it's the money that you borrowed from the bank, they borrowed themselves. So that's kinda the chain along the way. But, essentially, after that, once you once we get you to the position of your goals and objective, which I'll confirm in a bit, but then we start looking at really wonderful ways to crystallize on those assets and not pay anywhere near as much tax as you you should.\n\nAnd that's that's things like cost structure, social security strategy, self managed super funds or something as well. Key to us, and then you can call it a day and retire and file. And look at intergenerational wealth, which is what we call ceding. And then the loop starts again for your kids. So does that does that kinda make sense in terms of the whole world cycle thing?\n\nPerfect. Amazing. But we'd all start with looking at those insurances. And then, you know, after we do that, if it's appropriate, we'd look at those superannuation, give you a recommendation on that as well if you wanted to. Amazing.\n\nNext couple pages is pretty much our story between myself and my business partner on number four of page five, I think, but page four. Meet our experienced team, that's myself, Severiano Zaza, and Sebi's other, but, you know, Sebi's a lot easier. I didn't have a choice in the matter. It just came up. What they gave me, my credentials, and a little bit of a blurb about how awesome they are.\n\nFeel free to leave me your own time. My business partner, and the rest of our experienced team. And at the end of the document, there's a little bit more about Occhio Australia, which is just a link between, you know, financial planning, mortgage broker, you know, lending services, and accounting. So there's nothing worse than recommending client server to somebody else that, you know, doesn't they drop the ball or don't service you as a client in their own, you know, in their own expertise? It just looks bad on me.\n\nRight? So so that's why we create I work with a close knit network. So if we speak to your mortgage broker, I would I would want them to be a part of this nice little network They remain. But that's a little bit more about us. And looking at the file, the last thing I need to go through is the financial services guide, and they will just gather some further information about you, and then we're done.\n\nK? Amazing. So the second document in that email that I sent out is the Oakview financial services guide. Now this is a little bit more about fees and everything else. And this is mostly the compliance, so I'll try and get through it as quick as possible.\n\nBut, essentially, this is us, IP Financial, all the same details as before. The purpose of this FSG on the next page, are you looking at we'll go through each step. So number one, number two, number three. Are you look are you on that page yet? Or amazing.\n\nSo the purpose of this FSG is just to make sure that you know that I'm authorized or we are authorized to give personalized financial advice. How we're paid, any sort of conflicts, and what to do if I run away with your money, essentially. So we, as IP Financial, who we are, we essentially run our own Australian financial services license, which means that we are we don't have anyone above us other than the Australian Securities and Investment Commission and the federal government that tells us what to do. So, usually, you know have you ever looked into, you know, Sky let's say Sky Wealth you were talking about? Was that was that the firm that you're talking about before for the okay.\n\nSo Sky Financial, they are based on the Gold Coast Financial Advisors. We just do a quick Google search. So Sky Financial Advisors look. Yep. So they're essentially if I just grab their their website and I come down underneath to the bottom of their page on their disclaimer, they essentially what Link Wealth Group Proprietary Limited trading as Sky Advisors is an authorized representative of Acumen Financial Plan.\n\nRight? So so that Sky Financial or Sky Advisors, they are working as what's called an authorized representative of an AFSO, an Australian Financial Services license. We at OJU run our own license. So we don't have we don't have somebody like Acumen, for example, financial planning about us, telling us what products we need to recommend or, you know, anything like that. We've got the freedom to we got awarded that.\n\nASIC awarded us with our own financial license, which the likes of the big banks and insurance companies have. So we can we can pretty much get advice on a lot across the entire scope. It doesn't bother us. So that gives you an idea of making sure that we look for the right product for our clients. And our Australian Financial Services license number is 513068.\n\nOkay? Lack of independence. We can't say that we're independent or unbiased or impartial. The reason for that is because even though we run our own license, we have ASIC above us. So it's just part of the regulations in the corporations act.\n\nI mean, make sure that's it. But on page four, the services we provide, we can I just broke it down very simply there between deposit payment products, government debentures, stocks and bonds, life insurances, that's where you're in, and all the rest, all the way down to super? That's all on our approved product list. But our APL, we can have been directed and, you know, been qualified and the degrees that I've got and all the bits and pieces that asset likes to see. You know, we can we can essentially recommend any products on the planet and any sort of strategy.\n\nI've got some qualifications too. So to give you a little bit of peace of mind. The way that we kind of provide our advice, that's number five, is we go through this initial contact, understand your information, and get your goals, your risk profile, and show you a bit about us. After that, we're booking some time, another two weeks or so, to give you our recommendation. And from there, you say you can say yay or nay.\n\nEssentially, you you can say, no. I don't like this. Go away. And we don't charge you anything because you're in the insurance, the root stage of the advice stage. Or you like what we propose and it suits your needs, and we can show you how you're tracking for retirement.\n\nAnd then from there, what we'll do is you'll give us authority to proceed, the consent to move forward. And after that, we will implement everything for you and get paid by the insurance company if you're only looking at insurances. And then we keep you on track. We catch up every quarter and then every twelve months. We review your needs.\n\nWe review your debts, and we make sure that your insurances are adequate for your needs. Does that make cool. Part of the fee and charges. So this is our fee structure. There's an upfront and an ongoing service fee.\n\nWe the each stage is a little bit more complex than the neck. So we do charge a essentially, a letter of engagement charge, which is quite like the $450, you know, $450 Sky Wealth, I think it was SkyVis, whatever the workers you're talking about before. They charge a it's it's to cover our expenses. You know, my time and the lights, all the staff, the team, absolutely everything, as well as the preparation of the the documents. It's a pretty you know, like, carpenters build a desk or build the frame of the house.\n\nThis document's personalized to you. It's a it doesn't seem it doesn't look as big as a house, but when you're looking at 70 pages or up to 200 pages worth of work and, you know, weeks and sometimes even up to a month worth of planning and preparation, it it take care of the expense of it gets up there. So that's why for more complex strategies, we charge at the differently at different stages. Because you are because you're in the root stage and, you know, bringing you on board as a client and making sure that we can show you our worth, we start with those the root section. And for that, it's complimentary for us to write this statement of advice, whether it'd be insurances, just superannuation, referring you over and looking after your accounting so we can do notice on the terms of claim and all these weird and wonderful things to get more tax back at the end of the day.\n\nSo it's good because we know how to spend our money better than the government does after five. So yeah. But even if we do all three of those strategies and give you give you a recommendation on that, it's completely complimentary. And then, yeah, we're pretty confident in our services. So that's why we do that part for for a complimentary service.\n\nAnd then from there, we would charge once you're happy to proceed, we charge $4,950 out of the asset that we manage, which is like superannuation or investment portfolio. But because we're not, you know if we're just looking at insurances, we don't charge that out of your super, let's say. We we would just get paid 66% of whatever the insurance premium is. So let's say you've got a thousand dollar. Your your insurances that we recommend for you that you wanna go ahead with cost a thousand dollars, we would get paid $660 from the insurance company for that.\n\nDoes that make sense? So usually so just just to reiterate, so usually, if we're looking at somebody at your agent stage with yourself mad yourself, Allison, and Brendon, and you're looking at getting started at the roots stage. Alright? You you wanna get your super insurance and get that sorted out so you're growing for retirement, but at the same time, you're making sure you're protecting yourself and your family if something were to go wrong. We look at that strategy.\n\nWe don't charge any initial upfront cost. Whereas if you've already got your super insurance to sort it out, and you're speaking to me about, you know, leveraging and getting investment portfolio and looking at investment property straight off the bat to draw up the statement of advice, which we're gonna present you the recommendations in. That's gonna cost $2,200 to get it started. Okay? Yep.\n\nYep. No. So if we do not manage your super and only give a recommendation of insurances because we charge a upfront and ongoing fee. So upfront fee of $4,950 out of the assets we manage. Or for couples, $6,600.\n\nSo 3,300 proportion of the year, it's gone more or less of the assets we manage. Because we're only looking at insurances, we're not managing any of your assets, like superannuation or anything like that. So we don't we can't charge a percentage of zero. So we would only get paid from the insurance company. Does that answer your question?\n\nOr so the insurance company would pay us 66% of whatever the insurance premium you'll pay out of your super fund or out of your back pocket for that life, PPE, income protection, and trauma, whatever whatever you need. They would pay us a commission on that and then 22% every year after that, which is disclosed down in the next kind of area. So that's the ongoing service fee on funds under management. But we're not if we don't if we don't give a recommendation on your super, we don't charge anything out of your funds under management because we don't manage any of your funds. We only look at insurance.\n\nOkay. So because we don't manage any of your super, no. We do not charge those fees. We get paid from the insurance company. If we if we do if we do manage your super, we will charge those fees.\n\nDoes that make does that make it a little bit clearer? Or perfect. So did you wanna just kinda start off with a insurance recommendation first and then see how that goes? Or yep. Yeah.\n\nNo. That's okay. It makes sense. Perfect. And then for an ongoing service fee, if we were to look at superannuation or investments or anything like that funds that we manage as an investment, then there's those ongoing features that would kick in.\n\nBut, again, because we're only looking at insurances, you don't pay us anything. Does that make sense? Are you sure you sound hesitant? So the implementation fee is if we were to implement the changeover or the management of your funds under management. So, like, your money in superannuation, for example.\n\nIf we were to move that money around and change the investments, whether it be in q super or any other super fund out there, that takes a lot of work, and then we start managing those assets on top of the insurances. So that's when that fee would kick in because, yeah, there's a lot to it. There's a lot to invest in. Okay? So because we're not looking at that for the meantime, which you indicated, we only wanna look at the insurances.\n\nWe'll give you a recommendation on your insurance cover, what you need. We'll calculate exactly what your level of coverage that you need to be covered for, and then we'll give that recommendation. If you wanna proceed with it, then we'll get paid commission from the insurance company, which is 66% of whatever your premiums are between you. Okay. But I I'll I'll show all of that and disclose all of that in the statement of the device that we provide in a couple of weeks' time.\n\nOkay. So that that would give you a much clearer idea because we're trying to break it down there. Beautiful. Okay. So outside of that, there is the last thing I really wanna go go over is what happens if, for some reason, you know, if you were to invest your super with us, you or you find out that I'm drinking pina coladas in The Bahamas with your money or, you know, I hold on, something happens and, you know, Brandon pops away and I hold on to your assets, something along those lines, What do you do?\n\nRight? The first thing you do is you get in touch with our compliance manager of the Australian Financial Services license, which is me. But I will be I'll be drinking pina coladas with your money in The Bahamas. So you probably won't wanna speak to me, and you wouldn't be able to get in touch. So for that reason, we've got a non practicing director who's part a business partner who is the yeah.\n\nHe's essentially also the compliance manager, so you'll get in touch with him. And he you know, we're pretty reasonable. We've never done anything like that. That's why he's gone business after all these years. But for some unknown reason, if this word occur, and Bob tells you to get stuff because he's gonna join me in The Bahamas somewhere, then you can go on to what's called an external dispute resolution, which is get in touch with AFTCA, the Australian Financial Complaints Authority, and all their details is at the bottom of that number 11 complaint handle, if you can see that.\n\nBeautiful. Do you have any questions before we get grab some details? Because we're pretty much at the end. No? Sure.\n\nYes. Yep. Absolutely. Yeah. Did you what I found is actually pretty beneficial because you are essentially in that complimentary consultation phase.\n\nWhat we usually recommend what we usually do is review the skip a recommendation on the superannuation as well as your insurances because when you get to then we can show you the implications of it. Because when I propose and give you the recommendations, if you you can tell me you don't wanna go ahead with superannuation and you just want the insurances, then I have to go ahead with the insurances. And then there's no of those extra charges. But if you do the insurance only and then we do the statement of advice later for superannuation or those other stages, then you're just gonna be spending more money. So it's worthwhile to do the complimentary, you know, statement of advice for the whole root section now and tell me you don't wanna do something rather than say you just wanna do it now, and then I do more advice and charge you for it down the track, if that makes sense.\n\nOkay. Because you don't have to go ahead with the recommendations or you don't have to go ahead with any of them. You don't have to go ahead with all of them. You you we we it's more of a discussion when we present that recommendation and advice to you. So you can say, oh, we wanna proceed with insurance, but not super.\n\nAnd I'll say, not a problem. Let's do that. Yeah. Well, until you sign up to save it, sign to what we call a ATP or authority to proceed. So when you get back in touch and I present the statement of life and show you the recommendations, you I won't charge you until you say, yes.\n\nI want to proceed with this recommendation, whichever one it might be. And if it's not super, it's only the insurances, then we'll just get paid commission from the insurance company. But I can show you the benefits of actually you know, if there is something that's better for you on the market. And if there's not, then why would I I can't give a recommendation because you wanna go ahead with something that's gonna make you in a worse off position. Right?\n\nSo yeah. So if that kinda makes sense, it's worthwhile just doing the full scope, which is super insurance, and then, you know, decide whether it's for you or not. Beautiful. Cool. Alright.\n\nWell, look, the next step is just running through some basic details for yourself and Brandon, and and then go through a risk profile questionnaire. And after that, we'll just book another time to catch up, another couple weeks. Beautiful. So it's Savan Nocio. Is that right?\n\nYeah. Yeah. Alright. Well, yeah. I got given Severiano, so my best guess is pronounced all the time.\n\nI understand. And, Brendan, it's just is it Brendan Smith? Or It's Brendan Smith. Beautiful. Perfect.\n\nAnd what's your what's each of your date of birth? Nineteen ninety seven. Yep. 1997. Beautiful.\n\nI'm a Scorpio myself. Sports I'm the I'm the November 4. Yep. Pretty close. And I I've got to ask this question of knowing this day and age.\n\nI'm assuming you're a female and your brother's male. Beautiful. And are you guys because of the different names, are you guys married or are you just a doctor or Okay. Okay. Do you have any plans on me getting married or No.\n\nThat's alright. No. That's alright. I completely understand. Yeah.\n\nWe just so you're aware as well, part of being a financial adviser is making sure that you've got the financial stability. So, you know, when you come aboard as a client, not just for insurances, if you wanted to grow your wealth, like I said before, that process, then we'll be working together and making sure that that's able to be achieved along the way. Okay? Beautiful. So something to consider.\n\nI've got you both your phone numbers. I've got your email addresses. I've got your home address. Do you have a different postal address? Beautiful.\n\nAnd what do you do for employment? What's your occupation? Amazing. Thank you so much. That's that's alright.\n\nI completely understand. Emergency department, thank you so much for everything you do. Nurses get nowhere near enough appreciation for what you guys do. It's unbelievable. It's crazy.\n\nAnd Brendan is Brendan for their role? Excavator operator. Beautiful. And your do does he ever work more than 12 meters in height doing that? Or okay.\n\nAnd looking up the strategy, did you want me to do this in the recommendation just for yourself or for yourself and Brandon? Okay. Perfect. I'm I'm gonna need to speak to Brandon if that's okay. Yeah.\n\nSo Yeah. 12 yes. I I know. Since this is for the insurance, I'm reckon, more the insurance applications when we get them. So 12 meters height is if you're on a roof, if you're ever if you're if you're essentially in the excavator above 12 meters in the machine itself.\n\nSo yeah. Okay. So so I'll pause here just there. So so for insurance purposes, because I need to write down everything you kinda say. So for insurance purposes, on the side of the mountain digging a road as an excavator operator, I would assume that it's not a sheer cliff like you said.\n\nIt's more of a yeah. It's more of a gradual kinda 35 meter, like like, an embankment. Yeah? Perfect. Beautiful.\n\nAnd at no beautiful. And at no point in time do you kinda you know, you have that, like, a bit overhanging, a 12 meter clip, or any sort of risk of that. Beautiful. And what do you what do you call yep. Perfect.\n\nAnd maybe and do you only work on roads or, like, civil? Or yeah. Gotcha. Gotcha. Okay.\n\nWhat kind of stuff in the water do you do? Yep. Is it in a harbor or is it just outside of it? More like more like just making sure that you're you're you're ensuring that the way it's been handled. Cool.\n\nMax is 1.5 meters. Yep. Yep. Yeah. Understood.\n\nPerfect. And you're a 100% field based. Yeah? Do you work for are you employed? You're not self employed or ABN?\n\nRight. Beautiful. And what kind of qualifications do you have? Escobar Drive, obviously. Yeah.\n\nGotcha. We got it. Beautiful. Megan, how long what's your employee's name? Like, what's the We know it's vampire.\n\nBeautiful. Yeah. No. I I know that. I know that.\n\nI can guarantee my five year old's getting in fighting because his dinner's ready and he's just starting to get out of his bed. And how long have you how many years have you been in the industry? Seven years from what that? Amazing. And you're a full time employee?\n\nAnd you say you work about thirty eight, forty hours a week? Let's go forty five for insurance purposes. Gross income of record. Gross income per annum, what would you say you earn every year? Yep.\n\nBeautiful. And do you get any sort of, you know, bonuses or anything like that? Yep. The plan is 97,000 plus super. Is it $90,000 plus super?\n\n97,000 plus super? Amazing. Yeah. Gotcha. And who's your Superfund with?\n\nYeah. Plus Superbeautiful. And who's your Superfund with? You guys construction and building industry. Beautiful.\n\nIf I shoot you through an email after this evening or maybe tomorrow morning, like I said, five year old get hungry tomorrow morning to yourself and Madison. Would you be able to just maybe shoot through a statement of that c plus super for our recommendations? Doesn't mean you have to go ahead with anything. It's like I explained to Madison before, is we found that it's it's beneficial to do the full recommendations now where you can both say you don't wanna go ahead with something rather than do just one strategy now and then, you know, and then and then have to do it down the track anyway. You know?\n\nSo beautiful. Awesome. Outside of that, I think that's everything I needed from you. Do you salary sacrifice anything into super or raw? And do you have an EBA for your employer?\n\nNo. Yes. Beautiful. Yeah. So you you don't have to pay to the service, to fund a union or something like that.\n\nRight? Beautiful. Beautiful. Beautiful. And are you currently a smoker?\n\nBeautiful. Have you smoked in the past twelve months? No. Do you have any significant health issues or injuries on doctor's records? Yeah.\n\nNo. That's right. Yeah. That'll pass the numbers. Yeah.\n\nGotcha. So trauma is probably gonna be out of the question for you, Brendon, but definitely life changing and income protection. I can probably we could probably look at some sort of income some sort of insurances like that. But, yeah, just with trauma because it literally covers the majority of it, covers and gets paid out on cancer. That's gonna be really difficult for you to get.\n\nBut I'll try. I'll have a look around. But outside of that, as my ex wife and BCC, do you have anything else that's an issue or Yep. Beautiful. Yeah.\n\nMy my message is exactly the same. We got I'm only good at the financial planning, flight things, the the everyday life stuff. Not so good at it. So do you take any medication, and do you have private health cover? No.\n\nNo. Beautiful. And what's your height and weight? Yeah. It's your beautiful.\n\nAnd what's your height and weight? Yep. Yep. And weight. This is k g.\n\nBeautiful. That's my healthy BMI. Have I not reached out to the person? What's your height and weight? Yep.\n\nBeautiful. Sixty six kilograms. Amazing. And you don't smoke or haven't smoked in the past twelve months, have you? Awesome.\n\nBeautiful. And do you take any It must be a Scorpio thing. Yeah. Yeah. I got diagnosed with that stuff.\n\nHe he way in my early teens. So it's sometimes I like to think of it as a super pound, to be honest. But yeah. Yeah, probably. Lots of lack of sleep.\n\nI don't know what to do. Thanks for ADHD over there concerning. One of the two. It's not both. And do you have you you obviously have the extras for the five and l as well?\n\nAmazing. And do you guys have a will or power of attorney? Not a problem. I'll when I give my recommendation on insurances as well as super, I'll just do do a recommendation of the power of attorney in there as well. And that will be involved with your binding nomination.\n\nSo who you nominate to receive your insurance benefits, if either of you were to, you know, get full of your perch, let's say. So we'll do that. Last thing I wanna touch on is looking at your risk profile questionnaire. I don't make these questions up. The federal government does and ASIC.\n\nSo some of them are pretty pretty stupid. There's only a few of them, so I'll fly through them and then we're done. Okay? So how would you rate and this is each of you individually. K?\n\nSo I just answered through for yourself. So how would you like to rate your willingness to take financial risk? Would you say that you're a very high risk taker, high risk taker, average, or low risk taker? Medium, high. Two.\n\nSo I'll say two. High, high. Beautiful. And how would you how familiar are you with the investment markets? Would you say that you're comfortable with the investment knowledge?\n\nYou're aware that markets kind of fluctuate both up and down? Or you've got very basic? Yeah. No. That's fair enough.\n\nBeautiful. So there are things like child builder bonds that you can invest into a high growth standard ETF, things like that. But we can look at that down the track if you did wanna obviously proceed with with the recommendations and things like that. But, yeah, there's lots of really wonderful things that you can do. Like a child build upon, you can pay no tax at the end of a ten year term.\n\nAnd it's in a high growth ETF that I think on average is, like, 11%, something like that. But, yeah, it's pretty crazy what you can do. So that's that's part of what we do mostly as well. What is the gross most aggressive investments you've ever made? Have you either of you bought direct shares before?\n\nSo what investment are you buying with that $20 a week? Okay. Is it is it does it have a ticket code like a VTS or I I v z? Okay. So the ETFs are direct shared.\n\nIt's just a portfolio of diversified shares in the background. So there you go. You pay for directional. Yep. Yep.\n\nSo the ASX actually listed security or Yeah. Yeah. That's the I IVD. Yeah. Correct.\n\nThat's Oh, that's fine. So you got them in IPV. Yep. Yep. BYS is great.\n\nGreat investment. So it's IVV. The FPP 500 is incredible, Nick. BYS. Beautiful.\n\nAnd what? B y m. Okay. Beautiful. That's the high yielding one.\n\nCorrect. Alright. Now the next couple of questions are pretty important. So investments can go up and down in value. It's called volatility.\n\nSo if we were to invest your superannuation, just for its sake, how much could your investment drop in value by over twelve months before you read this before either of you start getting concerned and anxious. Would you say that you you would start being concerned and anxious if you lose more than 50%, up to 50%, up to 25%, up to 10%, or up to 5%? So how much do you have in your current Qsu Group? The 110, let's just say. So so 10% is $11,000.\n\nIf your portfolio dropped to 99 or 90 dropped to a $100,000, would you start to feel concerned and anxious? No. It's it's it's not neither bad nor good. It's entirely your tolerance and capacity for us. So it's like, for me, I'm I'm if I see my portfolio drop more than 50%, I rub, you know, people like us rub our hands.\n\nYou go and see the world crash. We we think that everything's on sale. You know? So I've got a yeah. I've got a completely different mindset too.\n\nYeah. So it's entirely got to do with your risk and your risk profile. It's not mine or Brandon's. So would you say up to 10% you start getting concerned and actions or up to 25%? 25?\n\nYeah. And Brandon? Yeah. Are you able to be with them by any chance? Just just for another four questions?\n\nOkay. I I can if you put me on loudspeaker, I can quickly run through these questions. Alright. Between each of you, how would you feel if in six months after investing with, say, RFP Financial, say, your super, for example, you find out that your portfolio has decreased by 20 due to general trends in the financial market? What would you do?\n\nOne, invest heavily expecting future growth. Invest modestly expecting future growth. Would you, three, hold and await improvement after speaking to your professional your financial professional, or would you tell me to get stuff to move everything to cash? Two, invest two is invest modestly for growth. So invest modestly just to be wireless if the market's low expecting a further growth outcome.\n\nYeah? Okay. And yourself, Madison? Or yep. Would you hold?\n\nYou say the same? Beautiful. I've got one more question to ask both of you. How much oh, no. Not that one.\n\nHow have you ever thought about taking out a loan to invest? One, you have borrowed or open to borrowing for stocks and funds like we talked about before, that $100 example? Or you have borrowed or open to borrowing for investment property, or you've only borrowed for your home. Would you beautiful. But for yourself, would you go and leverage against your home, your family home to invest in shares if market was down or something like that?\n\nOr Yeah. So sorry. So have you ever thought about taking out a loan to invest? One, you have borrowed or open to borrowing for stocks and funds? Three, have borrowed or open to borrowing or investment property.\n\nSo borrowing against your home, that's it, to invest investment property. Or five oh, yeah. Okay. Gotcha. Perfect.\n\nAnd the follow the last question is thinking about the way you answered that last question, how would you how would taking out a loan to invest make you feel? Would you say that you're comfortable borrowing because you are aware of the risk and know how the potential of upside, but also know that you can lose a lot? Would you say that you're somewhat comfortable and cautious of the risk, or would you say that you're Cautious. That's beautiful. Okay.\n\nWith that, when is a suitable time? I'm gonna shoot you through an email, probably tomorrow morning. I know that my lovely fiance and Rikers, they're probably waiting for me. So I'm gonna have to run too. No.\n\nDon't be fine. No. No. No. Money never sleeps.\n\nIt's very true saying in our world. So what I need to do is I'll send you through an email probably tomorrow morning just asking for some, you know, super statements, insurance, certificates as currency. And if you don't have them, that's okay. Just send through what you can. And other than that, look, we have completed the initial consultation, so thank you for your time.\n\nWhen is a good time, maybe in a couple of weeks, for me to give you a callback and, yeah, run through a bit of a bit of a recommendation statement? Maybe even the end of next week? That was 05:00. It sounds like 05:00 knowing your your your your wage and your your your permanent part time is a e n, aren't you? RN.\n\nSorry. Yep. RN. I'm sorry. I didn't I didn't need to ask this.\n\nWhat is your wage per annum? Yeah. That's okay. What would you say it would be normally? Okay.\n\nGood. And because you're with q super and you're working in Queensland as a RN, do you get the extra super benefits, your salary sacrifice, and all of that? Or 5%. Yep. Yeah.\n\nYeah. So you get you do about 5% because 5% ends up getting you an extra kind of 4% match by the government. Right? So it's worth it. Yeah.\n\nIt's worth it. Perfect. And you that's that's all good. That's all good. Yeah.\n\nLook. That's that. When's a good time? I'm looking at does 05:00 in the afternoon suit you guys? It sounds like you're busy with the kids, but I'm assuming you're working on Final Pass.\n\nWhat about next week? What about next week Tuesday, 5PM? Not a problem. I'll send you a calendar invite. Do you have any questions for me?\n\nThat's alright. They've they've dealt with it for a very long time. So trust me, it's it's something that's pretty common. So I think financial statement of advice and scores. And yeah.\n\nLook. Thanks for reaching out. Look forward to speaking to you in a week, hon. No problem. See you guys later.\n\nEnjoy the night. Bye.","paragraphs":[{"sentences":[{"text":"Hey.","start":2.32,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.007050805259495974},{"text":"Am I speaking with Madison?","start":2.6399999,"end":3.86,"sentiment":"neutral","sentiment_score":0.0031210494227707384},{"text":"Hey.","start":5.7599998,"end":6.08,"sentiment":"neutral","sentiment_score":0.015098361298441889},{"text":"We're not here.","start":6.08,"end":6.48,"sentiment":"neutral","sentiment_score":-0.024168926291167736},{"text":"It's Debbie calling from Motley Financial.","start":6.48,"end":8.58,"sentiment":"neutral","sentiment_score":0.03748576622456312}],"sentiment":"neutral","sentiment_score":0.011885139509104192,"num_words":16,"start":2.32,"end":8.58},{"sentences":[{"text":"How are you doing?","start":8.72,"end":9.62,"sentiment":"neutral","sentiment_score":0.07948382198810577},{"text":"I am very well.","start":11.759999,"end":13.2,"sentiment":"positive","sentiment_score":0.48319804668426514},{"text":"Thank you for asking.","start":13.2,"end":14.434999,"sentiment":"positive","sentiment_score":0.6128157675266266},{"text":"It's my work at home day, so I could not be better, to be honest.","start":14.655,"end":18.275,"sentiment":"neutral","sentiment_score":0.27742448846499124},{"text":"Doing a lot of zero yeah.","start":18.974998,"end":21.135,"sentiment":"neutral","sentiment_score":0.1629971240957578}],"sentiment":"neutral","sentiment_score":0.29822244291955774,"num_words":33,"start":8.72,"end":21.135},{"sentences":[{"text":"So I'm just in the comfort of my own home doing a good initial consultation.","start":21.135,"end":25.555,"sentiment":"neutral","sentiment_score":0.2603010376294454},{"text":"Is Brendan there?","start":26.494999,"end":27.634998,"sentiment":"neutral","sentiment_score":0.08173712094624837},{"text":"Mate, lovely to virtually meet you.","start":29.87,"end":31.310001,"sentiment":"positive","sentiment_score":0.5008695622285207},{"text":"I do apologize.","start":31.310001,"end":32.29,"sentiment":"neutral","sentiment_score":-0.08165010809898376},{"text":"I realized that I spelled your name wrong in the email I sent out.","start":32.43,"end":36.690002,"sentiment":"neutral","sentiment_score":-0.1033500824123621}],"sentiment":"neutral","sentiment_score":0.13324616640442755,"num_words":41,"start":21.135,"end":36.690002},{"sentences":[{"text":"Oh, yes.","start":37.15,"end":37.81,"sentiment":"neutral","sentiment_score":0.001518662553280592},{"text":"So yeah.","start":38.15,"end":39.73,"sentiment":"neutral","sentiment_score":0.0008567413315176972},{"text":"I know that's what the I think that novel, How to Win Friends and Influence People by Mark Ganeshi.","start":39.79,"end":45.965,"sentiment":"neutral","sentiment_score":0.07829863970216952},{"text":"It's the most beautiful sound to anybody to hear is their own name.","start":46.425,"end":49.545002,"sentiment":"neutral","sentiment_score":0.2783292451730141},{"text":"So I do apologize about that, mate.","start":49.545002,"end":51.405,"sentiment":"neutral","sentiment_score":-0.053323209817920415}],"sentiment":"neutral","sentiment_score":0.11017308559615252,"num_words":43,"start":37.15,"end":51.405},{"sentences":[{"text":"All good.","start":53.705,"end":54.195,"sentiment":"neutral","sentiment_score":0.26102711260318756},{"text":"Yeah.","start":54.195,"end":54.695,"sentiment":"neutral","sentiment_score":0.07651148736476898},{"text":"Now I've sent you through that email with a couple of attachments.","start":55.21,"end":58.75,"sentiment":"neutral","sentiment_score":0.06124821724370122},{"text":"I guess the first the way this itinerary kinda runs out is just kinda understanding what you guys are looking for, getting to know you as clients, and then show you a little bit more about us, do a little bit of the fact find, and, yeah, go through a risk profile and then book in some time to do a statement on advice.","start":59.129997,"end":78.505005,"sentiment":"neutral","sentiment_score":0.09343271213583648},{"text":"Perfect.","start":80.740005,"end":81.060005,"sentiment":"neutral","sentiment_score":0.22786808013916016}],"sentiment":"neutral","sentiment_score":0.09426382470410317,"num_words":80,"start":53.705,"end":81.060005},{"sentences":[{"text":"Now I understand that.","start":81.060005,"end":82.18,"sentiment":"neutral","sentiment_score":0.08419011160731316},{"text":"Just from reading the notes, you you you've got a coworker, Maddie, that that is a client about already?","start":82.18,"end":89.22,"sentiment":"neutral","sentiment_score":0.03458272724559432},{"text":"Or sorry.","start":89.22,"end":93.155,"sentiment":"neutral","sentiment_score":-0.015634682960808277},{"text":"Can you can you hear me correctly?","start":93.155,"end":94.915,"sentiment":"neutral","sentiment_score":-0.026126085381422724},{"text":"Or is it a little bit softer?","start":94.915,"end":96.775,"sentiment":"neutral","sentiment_score":-0.05032497511378357}],"sentiment":"neutral","sentiment_score":0.01095911473608934,"num_words":39,"start":81.060005,"end":96.775},{"sentences":[{"text":"Little bit muffled?","start":98.275,"end":99.175,"sentiment":"neutral","sentiment_score":-0.07666380206743877},{"text":"Alright.","start":99.235,"end":99.555,"sentiment":"neutral","sentiment_score":0.00101427489425987},{"text":"Give me one second.","start":99.555,"end":100.595,"sentiment":"neutral","sentiment_score":-0.0016803829930722713},{"text":"I've got my headphones in.","start":100.595,"end":102.115,"sentiment":"neutral","sentiment_score":0.01858137585222721},{"text":"So let me try this.","start":102.115,"end":104.135,"sentiment":"neutral","sentiment_score":0.057065023481845854}],"sentiment":"neutral","sentiment_score":0.00791851852166777,"num_words":18,"start":98.275,"end":104.135},{"sentences":[{"text":"One second.","start":106.04,"end":106.840004,"sentiment":"neutral","sentiment_score":0.03138423152267933},{"text":"Let's try and make this a little bit better for you.","start":106.840004,"end":109.020004,"sentiment":"neutral","sentiment_score":0.025715309449217537},{"text":"Alright.","start":111.72,"end":112.12,"sentiment":"neutral","sentiment_score":0.01879426091909409},{"text":"What about now?","start":112.12,"end":113.1,"sentiment":"neutral","sentiment_score":0.001788330574830373},{"text":"That's a bit better?","start":115.880005,"end":117.0,"sentiment":"neutral","sentiment_score":-0.002628843765705824}],"sentiment":"neutral","sentiment_score":0.017108606884167307,"num_words":21,"start":106.04,"end":117.0},{"sentences":[{"text":"Alright.","start":117.0,"end":117.32,"sentiment":"neutral","sentiment_score":0.017355866730213165},{"text":"I'll speak a little bit louder.","start":117.32,"end":118.520004,"sentiment":"neutral","sentiment_score":0.003255272749811411},{"text":"I'll start yelling now.","start":118.520004,"end":119.4,"sentiment":"neutral","sentiment_score":0.018969473894685507},{"text":"Hope for the best.","start":119.4,"end":120.380005,"sentiment":"neutral","sentiment_score":0.2134341150522232},{"text":"Yeah.","start":121.135,"end":121.635,"sentiment":"neutral","sentiment_score":0.06625043600797653}],"sentiment":"neutral","sentiment_score":0.06454701843904331,"num_words":16,"start":117.0,"end":121.635},{"sentences":[{"text":"So I I believe you've got a we've already got a client on board that you work with, Maddie.","start":122.335,"end":127.055,"sentiment":"neutral","sentiment_score":0.07451509919605757},{"text":"Is that correct?","start":127.055,"end":127.855,"sentiment":"neutral","sentiment_score":0.06668199102083842},{"text":"Or Elliot.","start":127.855,"end":131.555,"sentiment":"neutral","sentiment_score":0.05116245709359646},{"text":"Okay.","start":131.615,"end":132.015,"sentiment":"positive","sentiment_score":0.33732175827026367},{"text":"Perfect.","start":132.015,"end":132.495,"sentiment":"positive","sentiment_score":0.5355913043022156}],"sentiment":"neutral","sentiment_score":0.09965657055951081,"num_words":26,"start":122.335,"end":132.495},{"sentences":[{"text":"Do you know who the adviser is, Elliot?","start":132.495,"end":134.515,"sentiment":"neutral","sentiment_score":0.1239131186157465},{"text":"Or Yeah.","start":134.575,"end":138.1,"sentiment":"neutral","sentiment_score":0.06342458352446556},{"text":"No.","start":138.1,"end":138.26,"sentiment":"neutral","sentiment_score":0.036533109843730927},{"text":"That's okay.","start":138.26,"end":138.74,"sentiment":"neutral","sentiment_score":0.10820964723825455},{"text":"I was just interested, to be honest.","start":138.74,"end":140.34,"sentiment":"neutral","sentiment_score":0.11050491780042648}],"sentiment":"neutral","sentiment_score":0.10723204724490643,"num_words":20,"start":132.495,"end":140.34},{"sentences":[{"text":"But yeah.","start":140.34,"end":140.81999,"sentiment":"neutral","sentiment_score":0.2816789597272873},{"text":"I'm glad that we've done a good enough service to be able to, you know, refer clients just like your cell server.","start":140.81999,"end":147.4,"sentiment":"positive","sentiment_score":0.5645509863441641},{"text":"So amazing.","start":147.62,"end":149.875,"sentiment":"positive","sentiment_score":0.47926442325115204},{"text":"So yeah.","start":149.875,"end":150.355,"sentiment":"neutral","sentiment_score":0.2606842815876007},{"text":"Look.","start":150.355,"end":150.595,"sentiment":"neutral","sentiment_score":0.15261422097682953}],"sentiment":"positive","sentiment_score":0.5039996982648455,"num_words":29,"start":140.34,"end":150.595},{"sentences":[{"text":"I I just from reading the notes, it looks like you're interest interested in insurances.","start":150.595,"end":154.295,"sentiment":"neutral","sentiment_score":0.07415653218825659},{"text":"But, yeah, give give me a little bit of a breakdown on what you're looking for.","start":154.83499,"end":159.015,"sentiment":"neutral","sentiment_score":0.10889222915284336},{"text":"Mhmm.","start":167.47,"end":167.97,"sentiment":"neutral","sentiment_score":0.018963085487484932},{"text":"Yep.","start":171.63,"end":172.13,"sentiment":"neutral","sentiment_score":0.022817140445113186},{"text":"Okay.","start":174.51,"end":175.01,"sentiment":"neutral","sentiment_score":0.01238836720585823}],"sentiment":"neutral","sentiment_score":0.08555271301199407,"num_words":34,"start":150.595,"end":175.01},{"sentences":[{"text":"Yes.","start":194.06999,"end":194.54999,"sentiment":"neutral","sentiment_score":0.007805736735463142},{"text":"Yes.","start":194.54999,"end":195.04999,"sentiment":"neutral","sentiment_score":0.018666066229343414},{"text":"That's what I like with a five year old, so I completely understand.","start":198.06999,"end":200.73,"sentiment":"neutral","sentiment_score":0.008397110737860203},{"text":"Yeah.","start":210.755,"end":211.075,"sentiment":"neutral","sentiment_score":0.038145385682582855},{"text":"No.","start":211.075,"end":211.315,"sentiment":"neutral","sentiment_score":0.011437414214015009}],"sentiment":"neutral","sentiment_score":0.010895120144328651,"num_words":17,"start":194.06999,"end":211.315},{"sentences":[{"text":"That's alright.","start":211.315,"end":212.115,"sentiment":"neutral","sentiment_score":0.022520363330841064},{"text":"Well, yeah, that's that's absolutely right.","start":212.115,"end":214.115,"sentiment":"neutral","sentiment_score":0.2183366393049558},{"text":"So we I'll walk you through a bit of our financial services guide and, I guess, overview services guide to show you our process, our fees, and all those bits and pieces, and go through go through everything from there.","start":214.115,"end":225.52,"sentiment":"neutral","sentiment_score":0.11349128019064665},{"text":"Yeah.","start":226.86,"end":227.02,"sentiment":"neutral","sentiment_score":0.0761757493019104},{"text":"It's it's we to to answer your question, yeah, in terms of superannuation or insurance reviews, we don't charge anything because the insurance company pays us.","start":227.02,"end":236.19499,"sentiment":"neutral","sentiment_score":0.059195877984166145}],"sentiment":"neutral","sentiment_score":0.1001330712934335,"num_words":75,"start":211.315,"end":236.19499},{"sentences":[{"text":"So why would we charge you?","start":236.19499,"end":237.735,"sentiment":"neutral","sentiment_score":-0.01732436567544937},{"text":"You know what I mean?","start":237.875,"end":238.83499,"sentiment":"neutral","sentiment_score":0.015634403005242346},{"text":"But and all yeah.","start":238.83499,"end":241.075,"sentiment":"neutral","sentiment_score":0.3305555284023285},{"text":"So we try and make it as settled.","start":241.075,"end":242.935,"sentiment":"neutral","sentiment_score":0.06464716466143727},{"text":"No.","start":248.61,"end":249.09,"sentiment":"neutral","sentiment_score":-0.28399205207824707}],"sentiment":"neutral","sentiment_score":0.06373471665817003,"num_words":24,"start":236.19499,"end":249.09},{"sentences":[{"text":"Well, we run our own Australian financial services license.","start":249.09,"end":252.23,"sentiment":"neutral","sentiment_score":-0.06255221946371926},{"text":"So we essentially can we've got no one above us to tell us what to do or what products to recommend, and that just gives us a lot of freedom.","start":252.45,"end":261.375,"sentiment":"neutral","sentiment_score":0.096331504235665},{"text":"So to answer your question, yes, we can write insurance to get your super to pay for it, but could be a retail policy.","start":262.795,"end":269.195,"sentiment":"neutral","sentiment_score":0.07045169710181653},{"text":"It could be a group policy.","start":269.195,"end":270.735,"sentiment":"neutral","sentiment_score":0.008559166453778744},{"text":"I don't really like group policies because, you know, insurances are these things that you pay all this money for, and the best outcome is nothing happens.","start":271.09998,"end":278.96,"sentiment":"negative","sentiment_score":-0.3999696362901617}],"sentiment":"neutral","sentiment_score":-0.07010426352887104,"num_words":96,"start":249.09,"end":278.96},{"sentences":[{"text":"Right?","start":279.34,"end":279.84,"sentiment":"neutral","sentiment_score":-0.24249203503131864},{"text":"But if nothing happens, you paid all this money, and you don't get a refund of all the premiums you paid your whole life.","start":279.9,"end":286.995,"sentiment":"negative","sentiment_score":-0.571678721656402},{"text":"So it's a horrible financial decision.","start":287.07498,"end":289.095,"sentiment":"negative","sentiment_score":-0.7784207860628763},{"text":"But, you know, if something does happen, then you wanna make sure that you're covered and you wanna make sure that you're covered for enough.","start":290.035,"end":296.615,"sentiment":"neutral","sentiment_score":-0.04404654696583748},{"text":"Right?","start":297.79498,"end":298.29498,"sentiment":"neutral","sentiment_score":0.14970800280570984}],"sentiment":"negative","sentiment_score":-0.3435923112719728,"num_words":57,"start":279.34,"end":298.29498},{"sentences":[{"text":"And you wanna make exactly.","start":298.435,"end":301.72,"sentiment":"neutral","sentiment_score":0.2740961015224457},{"text":"Yeah.","start":301.86002,"end":302.1,"sentiment":"neutral","sentiment_score":0.14240312576293945},{"text":"Personalized retail, you know, comprehensive cover.","start":302.1,"end":304.9,"sentiment":"neutral","sentiment_score":0.14402380834023157},{"text":"And what I mean by comprehensive is I just saw from the notes that you've got q super.","start":304.9,"end":310.1,"sentiment":"neutral","sentiment_score":0.0576631695859962},{"text":"Is that correct?","start":310.1,"end":310.82,"sentiment":"neutral","sentiment_score":0.05046542982260386}],"sentiment":"neutral","sentiment_score":0.10807150986158487,"num_words":33,"start":298.435,"end":310.82},{"sentences":[{"text":"Or okay.","start":310.82,"end":313.45502,"sentiment":"neutral","sentiment_score":0.05927498638629913},{"text":"So q super usually comes with comes with insurances, life, total, permanent disability, and income protection.","start":313.45502,"end":320.11502,"sentiment":"neutral","sentiment_score":0.03152133116964251},{"text":"So when you're looking at both insurances, I'm gonna I'm I'm can almost guarantee the answer is gonna be no.","start":320.89502,"end":328.255,"sentiment":"neutral","sentiment_score":-0.11420275252312422},{"text":"But have you did they call you do you super call you up at any point in time and, you know, ask you any health questions or yeah.","start":328.255,"end":336.9,"sentiment":"neutral","sentiment_score":-0.058583598783505816},{"text":"Yeah.","start":337.6,"end":337.76,"sentiment":"neutral","sentiment_score":0.05197346210479736}],"sentiment":"neutral","sentiment_score":-0.04850046392252196,"num_words":67,"start":310.82,"end":337.76},{"sentences":[{"text":"Correct.","start":337.76,"end":338.16,"sentiment":"neutral","sentiment_score":0.08592527359724045},{"text":"So that's called group cover.","start":338.16,"end":339.78,"sentiment":"neutral","sentiment_score":0.07056440711021424},{"text":"And what we what we see in group cover is every Superfund trustee essentially have an obligation to provide you with some sort of default cover.","start":340.24,"end":350.845,"sentiment":"neutral","sentiment_score":0.05168104329361366},{"text":"But the problem is they ask questions after the event of the code.","start":351.225,"end":355.8,"sentiment":"neutral","sentiment_score":-0.20229914555182824},{"text":"And depending on the event, it might be a bit difficult to ask a question.","start":355.96,"end":359.02,"sentiment":"neutral","sentiment_score":-0.1824939305583636}],"sentiment":"neutral","sentiment_score":-0.05974739026278257,"num_words":60,"start":337.76,"end":359.02},{"sentences":[{"text":"Right.","start":361.4,"end":361.9,"sentiment":"neutral","sentiment_score":0.01516452245414257},{"text":"Yeah.","start":362.03998,"end":362.44,"sentiment":"neutral","sentiment_score":-0.04182372987270355},{"text":"So it makes it what what we like to recommend is what's called comprehensive retail cover, and that goes through, sorry, retail underwritten cover.","start":362.44,"end":375.555,"sentiment":"neutral","sentiment_score":0.0682757895750304},{"text":"So it could be any product.","start":375.695,"end":377.055,"sentiment":"neutral","sentiment_score":0.07346018776297569},{"text":"We can recommend any product on the planet.","start":377.055,"end":379.055,"sentiment":"neutral","sentiment_score":0.31580763310194016}],"sentiment":"neutral","sentiment_score":0.1144795483443886,"num_words":40,"start":361.4,"end":379.055},{"sentences":[{"text":"It doesn't bother us because we run our own license.","start":379.055,"end":383.29498,"sentiment":"neutral","sentiment_score":0.21110866218805313},{"text":"So it could be, you know, one of the big plays international like MetLife or Zurich, or could be one of the larger larger insurers in Australia, which is SayTal, t a l, big green three letters.","start":383.29498,"end":395.91,"sentiment":"neutral","sentiment_score":0.16487149894237518},{"text":"You've probably seen them around, but that's done for this Australian Life.","start":395.91,"end":399.67,"sentiment":"neutral","sentiment_score":0.1632142091790835},{"text":"So there's lots of different products.","start":399.67,"end":401.27,"sentiment":"neutral","sentiment_score":0.12678990761439005},{"text":"It really comes down to us researching what's best for you.","start":401.27,"end":404.985,"sentiment":"neutral","sentiment_score":0.168693408370018}],"sentiment":"neutral","sentiment_score":0.16824038856123624,"num_words":76,"start":379.055,"end":404.985},{"sentences":[{"text":"Okay?","start":407.845,"end":408.245,"sentiment":"neutral","sentiment_score":0.06376110762357712},{"text":"So, I mean, is it is it does that answer your question?","start":408.245,"end":411.685,"sentiment":"neutral","sentiment_score":0.05652598679686586},{"text":"Or beautiful.","start":411.685,"end":415.0,"sentiment":"positive","sentiment_score":0.3613431081175804},{"text":"Beautiful.","start":415.06,"end":415.56,"sentiment":"positive","sentiment_score":0.6416765451431274},{"text":"Brandon, did you have any questions?","start":415.86002,"end":417.56,"sentiment":"neutral","sentiment_score":0.10988713490466277}],"sentiment":"neutral","sentiment_score":0.1257162963632833,"num_words":22,"start":407.845,"end":417.56},{"sentences":[{"text":"Or were you kind of both just looking at insurances?","start":417.62,"end":420.36002,"sentiment":"neutral","sentiment_score":0.03299453053623438},{"text":"Or yep.","start":420.58002,"end":425.32,"sentiment":"neutral","sentiment_score":0.05104315094649792},{"text":"Okay.","start":425.38,"end":425.88,"sentiment":"neutral","sentiment_score":0.21974657475948337},{"text":"Cool.","start":426.305,"end":426.465,"sentiment":"neutral","sentiment_score":0.2739297151565552},{"text":"Well, I guess the best probably the best next step is going through a bit of our services and, you know, looking up the financial services guide and giving you a rundown of us.","start":426.465,"end":437.60498,"sentiment":"neutral","sentiment_score":0.15104815079008832}],"sentiment":"neutral","sentiment_score":0.1262780213340496,"num_words":48,"start":417.62,"end":437.60498},{"sentences":[{"text":"Beautiful.","start":439.985,"end":440.485,"sentiment":"positive","sentiment_score":0.48027172684669495},{"text":"The reason why I also bring up that q super is because when you're looking at insurances and we get comprehensive cover and apply for what what you need in line with your needs analysis, It it's No.","start":442.00998,"end":459.835,"sentiment":"neutral","sentiment_score":0.1397777119357335},{"text":"That's alright.","start":459.835,"end":460.395,"sentiment":"neutral","sentiment_score":0.0074210530146956435},{"text":"That's alright.","start":460.395,"end":461.055,"sentiment":"neutral","sentiment_score":0.06785755418241024},{"text":"No.","start":465.915,"end":466.235,"sentiment":"neutral","sentiment_score":-0.06609739363193512}],"sentiment":"neutral","sentiment_score":0.1335519227537919,"num_words":44,"start":439.985,"end":466.235},{"sentences":[{"text":"That's alright.","start":466.235,"end":466.89,"sentiment":"neutral","sentiment_score":0.021622496657073498},{"text":"That's completely fine.","start":466.97,"end":467.85,"sentiment":"neutral","sentiment_score":0.28544698655605316},{"text":"I've not closed the door.","start":467.85,"end":468.81003,"sentiment":"neutral","sentiment_score":0.021058271825313567},{"text":"I've got a beautiful partner with fiancee.","start":468.81003,"end":470.65002,"sentiment":"neutral","sentiment_score":0.2713954320975712},{"text":"She'll say that.","start":470.65002,"end":471.29,"sentiment":"neutral","sentiment_score":0.11012860884269078}],"sentiment":"neutral","sentiment_score":0.16175155816599726,"num_words":20,"start":466.235,"end":471.29},{"sentences":[{"text":"Look after little records.","start":471.29,"end":472.65002,"sentiment":"neutral","sentiment_score":0.03771429695188999},{"text":"But, yeah, we're very much the same.","start":472.65002,"end":474.75,"sentiment":"neutral","sentiment_score":0.03531804867088795},{"text":"Teamwork.","start":475.93002,"end":476.43002,"sentiment":"neutral","sentiment_score":0.04846867918968201},{"text":"Oh, wow.","start":479.05002,"end":480.03003,"sentiment":"neutral","sentiment_score":-0.15872279554605484},{"text":"Oh, it gets worse.","start":480.25,"end":481.37003,"sentiment":"negative","sentiment_score":-0.4140256717801094}],"sentiment":"neutral","sentiment_score":-0.08483311502883832,"num_words":18,"start":471.29,"end":481.37003},{"sentences":[{"text":"I'm sorry.","start":481.37003,"end":482.03003,"sentiment":"neutral","sentiment_score":-0.2489023208618164},{"text":"Yeah.","start":485.10498,"end":485.425,"sentiment":"neutral","sentiment_score":-0.08814502507448196},{"text":"So if they can can be stopped, then they start misbehaving in school or any kind of breaks breaks breaks things down, it gets things get a little bit harder, but, you know, you love them nonetheless.","start":485.425,"end":495.205,"sentiment":"neutral","sentiment_score":0.04873839675171955},{"text":"That's good.","start":498.09,"end":498.65,"sentiment":"positive","sentiment_score":0.7517360746860504},{"text":"So I just wanna touch on those insurances again.","start":498.65,"end":501.13,"sentiment":"neutral","sentiment_score":0.21382256348927817}],"sentiment":"neutral","sentiment_score":0.09108325948610026,"num_words":51,"start":481.37003,"end":501.13},{"sentences":[{"text":"And the reason why I brought up superannuation is because you essentially have that just given to you cover within your insurances.","start":501.13,"end":510.27002,"sentiment":"neutral","sentiment_score":0.10131724415854974},{"text":"Life life is pretty self explanatory.","start":510.57,"end":512.705,"sentiment":"neutral","sentiment_score":0.06633177647988002},{"text":"If you're kinda dead, you're dead.","start":512.84503,"end":514.225,"sentiment":"neutral","sentiment_score":-0.1494570771853129},{"text":"It's bad as that's hard.","start":514.84503,"end":516.145,"sentiment":"neutral","sentiment_score":-0.28329654932022097},{"text":"So that will always kinda get paid off.","start":516.365,"end":518.545,"sentiment":"neutral","sentiment_score":-0.15677122492343187}],"sentiment":"neutral","sentiment_score":-0.020009042100703464,"num_words":47,"start":501.13,"end":518.545},{"sentences":[{"text":"But what I was saying before is, you know, just to reiterate, it's being insured is a very kinda very balanced kind of thing.","start":519.325,"end":527.99,"sentiment":"neutral","sentiment_score":0.12644193849215904},{"text":"Because if you don't claim on it, then you don't get a refund of all the premiums paid your whole life.","start":529.17004,"end":535.01,"sentiment":"neutral","sentiment_score":0.009305051838358244},{"text":"So it's really important that if you are paying premiums for it, then you wanna make sure that you're covered for enough because being over insured is just as bad as being under insured.","start":535.01,"end":545.025,"sentiment":"neutral","sentiment_score":-0.02544359994285247},{"text":"K?","start":545.645,"end":546.125,"sentiment":"neutral","sentiment_score":-0.007840671576559544},{"text":"Because that so so with insurances, it's very much a balancing act between look searching for your retirement outcome, but at the same time protecting you along the way in case something were to go wrong.","start":546.125,"end":562.65,"sentiment":"neutral","sentiment_score":0.04339129550175534}],"sentiment":"neutral","sentiment_score":0.033786001559025766,"num_words":116,"start":519.325,"end":562.65},{"sentences":[{"text":"K?","start":562.79004,"end":563.11005,"sentiment":"neutral","sentiment_score":0.028451185673475266},{"text":"So that's one and, essentially, you're paying some other bloke of premium to cover your needs because you can't cover it yourself.","start":563.11005,"end":569.05,"sentiment":"neutral","sentiment_score":0.041945315220139244},{"text":"That's that's all about some insurances.","start":570.045,"end":571.90497,"sentiment":"neutral","sentiment_score":0.06816447215775649},{"text":"So just and what I was saying before is, you know, if you don't claim on your insurance policy, whether that be inside your Superfund and q super that you don't need you're not too sure on if it meets your needs or not, or it's fully comprehensive underwritten insurance cover to that will get you paid.","start":571.96497,"end":590.58997,"sentiment":"neutral","sentiment_score":0.08008375878266075},{"text":"Essentially, if something goes wrong, you wanna make sure that it's enough and you're paying for enough.","start":590.58997,"end":595.64996,"sentiment":"neutral","sentiment_score":0.018107456648174453}],"sentiment":"neutral","sentiment_score":0.06051297055430783,"num_words":103,"start":562.79004,"end":595.64996},{"sentences":[{"text":"Okay?","start":595.70996,"end":596.20996,"sentiment":"neutral","sentiment_score":0.011819731444120409},{"text":"And because being over insured is just as bad as being under insured.","start":596.67,"end":600.73505,"sentiment":"neutral","sentiment_score":-0.302885339810298},{"text":"So if you're over insured, you're paying two higher premiums for cover that you don't need.","start":601.275,"end":606.895,"sentiment":"negative","sentiment_score":-0.5080617554485798},{"text":"Let's say your needs analysis is a million dollars, just for numbers sake, for life and total burden of disability.","start":606.955,"end":612.17505,"sentiment":"neutral","sentiment_score":-0.1481091186404228},{"text":"Then if you're covered for what $2,000,000 worth of cover, then what's the point on the extra million?","start":613.53,"end":619.95,"sentiment":"neutral","sentiment_score":-0.11429562730093797}],"sentiment":"neutral","sentiment_score":-0.2510909034925349,"num_words":68,"start":595.70996,"end":619.95},{"sentences":[{"text":"Because you're paying a lot of premiums for that extra million.","start":620.01,"end":622.99,"sentiment":"negative","sentiment_score":-0.42449550466103986},{"text":"So it's just dead money.","start":623.13,"end":624.51,"sentiment":"negative","sentiment_score":-0.5667818486690521},{"text":"And if you don't claim on it, then, you know, it's it's which is more like yeah.","start":624.97003,"end":630.255,"sentiment":"negative","sentiment_score":-0.3904883686233969},{"text":"It's even dead money.","start":630.255,"end":631.375,"sentiment":"negative","sentiment_score":-0.43673597276210785},{"text":"So if you are paying for insurance cover, then you wanna make sure that you're covered.","start":631.375,"end":635.615,"sentiment":"neutral","sentiment_score":-0.17297702748328447}],"sentiment":"negative","sentiment_score":-0.3520044979621779,"num_words":53,"start":620.01,"end":635.615},{"sentences":[{"text":"But like I said, it's really important that you make sure that you're covered for enough.","start":635.615,"end":639.235,"sentiment":"neutral","sentiment_score":-0.1467079701833427},{"text":"It was just as bad as being over insured and paying two higher premiums, the cover you don't really need.","start":639.47003,"end":644.05,"sentiment":"negative","sentiment_score":-0.5868143320083619},{"text":"If you're under it's just as bad as being underinsured.","start":644.43,"end":646.93,"sentiment":"negative","sentiment_score":-0.5260044038295746},{"text":"K?","start":647.79004,"end":648.03,"sentiment":"neutral","sentiment_score":-0.12530535459518433},{"text":"So if you're underinsured, you're essentially you know, you if you're underinsured, you're paying all these premiums for cover that doesn't meet your needs.","start":648.03,"end":656.345,"sentiment":"negative","sentiment_score":-0.3899742973347505}],"sentiment":"negative","sentiment_score":-0.40603305200036144,"num_words":71,"start":635.615,"end":656.345},{"sentences":[{"text":"So if there's something where to go wrong, then you're you're not gonna leave your partner or your family with with adequate, you know, cover to to pay everything out or suit the lifestyle that they they need to live.","start":656.345,"end":669.51,"sentiment":"neutral","sentiment_score":-0.3128114905208349},{"text":"You know?","start":669.51,"end":670.23,"sentiment":"neutral","sentiment_score":-0.04999859258532524},{"text":"There's we and we calculate that.","start":670.23,"end":672.31,"sentiment":"neutral","sentiment_score":-0.026853969010214012},{"text":"We work out we work out your needs analysis for each of you.","start":672.31,"end":675.45,"sentiment":"neutral","sentiment_score":0.00876531578027285},{"text":"Okay?","start":677.03,"end":677.43,"sentiment":"neutral","sentiment_score":0.04289175570011139}],"sentiment":"neutral","sentiment_score":-0.2034958025680915,"num_words":62,"start":656.345,"end":677.43},{"sentences":[{"text":"Does does that kinda make sense?","start":677.43,"end":679.03,"sentiment":"neutral","sentiment_score":0.04065737004081408},{"text":"Or Beautiful.","start":679.03,"end":681.485,"sentiment":"neutral","sentiment_score":0.24752036668360233},{"text":"And how's everything sounding so far?","start":681.865,"end":683.705,"sentiment":"neutral","sentiment_score":0.17181496818860373},{"text":"There's different types of insurances that I can touch on as well if you wanted me to.","start":683.705,"end":687.485,"sentiment":"neutral","sentiment_score":0.009475209448924837},{"text":"Mhmm.","start":692.745,"end":693.245,"sentiment":"neutral","sentiment_score":-0.06477957218885422}],"sentiment":"neutral","sentiment_score":0.05831792972458061,"num_words":32,"start":677.43,"end":693.245},{"sentences":[{"text":"Correct.","start":695.67,"end":696.17,"sentiment":"neutral","sentiment_score":0.020933521911501884},{"text":"If yeah.","start":696.23,"end":697.02997,"sentiment":"neutral","sentiment_score":0.0414106622338295},{"text":"That's exactly right.","start":697.02997,"end":698.23,"sentiment":"neutral","sentiment_score":0.13976615170637766},{"text":"So for life insurances, it's pretty much split into those four.","start":698.23,"end":701.77,"sentiment":"neutral","sentiment_score":0.030318238857117565},{"text":"So life insurance, total permanent disability insurance, and income protection can be structured within a superannuation environment.","start":701.99,"end":709.895,"sentiment":"neutral","sentiment_score":0.05613675976500792}],"sentiment":"neutral","sentiment_score":0.05326114249799181,"num_words":34,"start":695.67,"end":709.895},{"sentences":[{"text":"Even if you got a policy outside of that super fund, you can still get a super fund to pay for that.","start":710.355,"end":715.555,"sentiment":"neutral","sentiment_score":0.1675395884297111},{"text":"So it's tax effective, and it doesn't come out of your back pocket.","start":715.555,"end":718.615,"sentiment":"neutral","sentiment_score":0.24308699770615652},{"text":"But with trauma insurance, you especially with young kids, you can get linked on child trauma, which covers any sort of traumatic events, any sort of sickness.","start":718.755,"end":727.85,"sentiment":"neutral","sentiment_score":0.17974481566084755},{"text":"You can get a lump sum payment, and it's not that much more expensive.","start":727.99,"end":731.13,"sentiment":"neutral","sentiment_score":0.2428970086787428},{"text":"But that whole trauma policy or critical illness, you have to pay for that out of your back pocket because of ownership rules.","start":731.27,"end":738.34503,"sentiment":"neutral","sentiment_score":0.08415122330188751}],"sentiment":"neutral","sentiment_score":0.1720722039992159,"num_words":99,"start":710.355,"end":738.34503},{"sentences":[{"text":"Okay?","start":738.805,"end":739.125,"sentiment":"neutral","sentiment_score":0.11651978641748428},{"text":"So were you looking at something like that, a full comprehensive policy covering all of your whole family and including trauma, or were you just kinda looking for something that's based inside your superannuation fund?","start":739.125,"end":751.78,"sentiment":"neutral","sentiment_score":0.1547663080905165},{"text":"Okay.","start":758.56,"end":759.06,"sentiment":"neutral","sentiment_score":0.12945227324962616},{"text":"Yeah.","start":762.495,"end":762.815,"sentiment":"neutral","sentiment_score":0.2163468897342682},{"text":"Absolutely.","start":762.815,"end":763.315,"sentiment":"positive","sentiment_score":0.3693300783634186}],"sentiment":"neutral","sentiment_score":0.1602171746393045,"num_words":39,"start":738.805,"end":763.315},{"sentences":[{"text":"Absolutely.","start":763.375,"end":763.775,"sentiment":"positive","sentiment_score":0.3839422166347504},{"text":"Definitely got a few claims on that, and it's it's definitely something that is worthwhile having at least for the beginning stages while, you know, fragile children are still very fragile.","start":763.775,"end":775.155,"sentiment":"neutral","sentiment_score":0.22829375728484122},{"text":"Yeah.","start":782.87006,"end":783.37006,"sentiment":"neutral","sentiment_score":0.025811493396759033},{"text":"So what's trauma insurance?","start":783.75,"end":785.37006,"sentiment":"neutral","sentiment_score":-0.013799833133816719},{"text":"Yes.","start":786.63,"end":786.95,"sentiment":"neutral","sentiment_score":0.0293072909116745}],"sentiment":"neutral","sentiment_score":0.19634126695363144,"num_words":38,"start":763.375,"end":786.95},{"sentences":[{"text":"So we call them the big three.","start":786.95,"end":788.73004,"sentiment":"neutral","sentiment_score":0.0043705616678510395},{"text":"And the big three are essentially cardiovascular disease, so heart attacks, any sort of cardiovascular issue, illness, or injury.","start":788.985,"end":796.605,"sentiment":"neutral","sentiment_score":-0.03475917650288657},{"text":"Then you've got cancers.","start":796.825,"end":798.365,"sentiment":"neutral","sentiment_score":-0.04750000312924385},{"text":"So any sort of cancer, benign or malignant.","start":798.825,"end":801.485,"sentiment":"neutral","sentiment_score":-0.05622915970161557},{"text":"And then you've also got then you've also got strokes or any sort of TIA or brain hemorrhaging.","start":801.89,"end":808.63,"sentiment":"neutral","sentiment_score":-0.040004124554495014}],"sentiment":"neutral","sentiment_score":-0.035531034892691035,"num_words":56,"start":786.95,"end":808.63},{"sentences":[{"text":"Those are a lot of the time, those are the main big three that we claim on.","start":809.25,"end":814.335,"sentiment":"neutral","sentiment_score":-0.027466790202785942},{"text":"But any sort of but, essentially, it comes down to any sort of critical illness as a whole.","start":814.575,"end":820.435,"sentiment":"neutral","sentiment_score":-0.058290940812892385},{"text":"Okay?","start":822.015,"end":822.495,"sentiment":"neutral","sentiment_score":0.01371043547987938},{"text":"So it's, you know, if there's any sort of if you if you were to have some sort of, you know, benign cancer just for yourself, let's say.","start":822.495,"end":833.48004,"sentiment":"neutral","sentiment_score":-0.017586116700840648},{"text":"Right?","start":833.48004,"end":833.98004,"sentiment":"neutral","sentiment_score":0.034442298114299774}],"sentiment":"neutral","sentiment_score":-0.0301604754170582,"num_words":65,"start":809.25,"end":833.98004},{"sentences":[{"text":"And you got a little melanoma spot, but it's not malignant.","start":834.76,"end":837.9,"sentiment":"neutral","sentiment_score":-0.04283914354164153},{"text":"It's not growing.","start":838.2,"end":839.26,"sentiment":"neutral","sentiment_score":-0.05030684297283491},{"text":"It's just been there for a while, and you wanna get caught up.","start":839.32,"end":841.845,"sentiment":"neutral","sentiment_score":-0.11420345621613356},{"text":"You can get, you know, pass partial payments of trauma.","start":841.925,"end":844.90497,"sentiment":"neutral","sentiment_score":-0.06842689216136932},{"text":"You can get payments for any sort of a a child illness.","start":845.20496,"end":849.545,"sentiment":"neutral","sentiment_score":-0.029609540322174627}],"sentiment":"neutral","sentiment_score":-0.06421182539114463,"num_words":49,"start":834.76,"end":849.545},{"sentences":[{"text":"Anything that yeah.","start":850.805,"end":854.165,"sentiment":"neutral","sentiment_score":-0.054680537432432175},{"text":"That that essentially affects the the lifestyle, if that makes sense.","start":854.165,"end":859.07,"sentiment":"neutral","sentiment_score":-0.05626789886843075},{"text":"So, you know, if it a long time, you could have some sort of, like, autoimmune disease or any sort of significant sickness.","start":859.07,"end":865.81,"sentiment":"neutral","sentiment_score":-0.05832184219489927},{"text":"You would have a what we call a rider policy that rides on your trauma policy because, essentially, children you can't have any trauma policy under the age of 18.","start":866.91003,"end":877.805,"sentiment":"neutral","sentiment_score":0.050149245125552015},{"text":"But to cover your kids or any sort of, you know, an issue or critical illness like that, then you can just add it onto your policy as a policyholder, and they're covered as well.","start":878.02496,"end":888.49,"sentiment":"neutral","sentiment_score":0.09033482170530728}],"sentiment":"neutral","sentiment_score":0.024919659246270563,"num_words":102,"start":850.805,"end":888.49},{"sentences":[{"text":"It's like an extra $5 a month or something like that.","start":888.49,"end":891.23,"sentiment":"neutral","sentiment_score":0.032919828525998375},{"text":"Okay.","start":893.13,"end":893.37,"sentiment":"neutral","sentiment_score":0.06714816391468048},{"text":"Does that answer your question?","start":893.37,"end":894.73,"sentiment":"neutral","sentiment_score":0.03841163702309132},{"text":"Or Beautiful.","start":894.73,"end":898.35504,"sentiment":"neutral","sentiment_score":0.3030439503490925},{"text":"Now so that that covers the insurances, and we can we can have a look at getting the super paying for at least three of the four of them.","start":898.815,"end":907.47504,"sentiment":"neutral","sentiment_score":0.1914062687549098}],"sentiment":"neutral","sentiment_score":0.141212378279306,"num_words":48,"start":888.49,"end":907.47504},{"sentences":[{"text":"Or, sorry, should I say at most of the three or four of them.","start":908.255,"end":911.47504,"sentiment":"neutral","sentiment_score":0.056185262011630197},{"text":"And I'm happy to work that up, work out your needs analysis.","start":911.76,"end":914.72003,"sentiment":"positive","sentiment_score":0.406184546649456},{"text":"I'll have to go through a fact find after we go through this.","start":914.72003,"end":917.68,"sentiment":"neutral","sentiment_score":0.11336008344705288},{"text":"But is that is that all you're kind of looking at at the moment or just insurance recommendation?","start":917.68,"end":922.5,"sentiment":"neutral","sentiment_score":0.028357839522262413},{"text":"Okay.","start":924.105,"end":924.605,"sentiment":"neutral","sentiment_score":0.018688712269067764}],"sentiment":"neutral","sentiment_score":0.13213136442134094,"num_words":58,"start":908.255,"end":924.605},{"sentences":[{"text":"Yep.","start":930.8175,"end":931.3175,"sentiment":"neutral","sentiment_score":0.06457032263278961},{"text":"Okay.","start":947.37006,"end":947.85004,"sentiment":"neutral","sentiment_score":0.011760752648115158},{"text":"No.","start":947.85004,"end":948.09,"sentiment":"neutral","sentiment_score":-0.013401886448264122},{"text":"That's right.","start":948.09,"end":948.65,"sentiment":"neutral","sentiment_score":0.017822977155447006},{"text":"Well, I think this is probably good segue to talk about kind of our our strategy, our structure, our process.","start":948.65,"end":955.28503,"sentiment":"neutral","sentiment_score":0.13821775801479816}],"sentiment":"neutral","sentiment_score":0.11451721213757991,"num_words":25,"start":930.8175,"end":955.28503},{"sentences":[{"text":"So if you can go on to the email that I sent you just confirming this initial consultation, there should be a couple of attachments there.","start":955.425,"end":964.485,"sentiment":"neutral","sentiment_score":0.15576319597088373},{"text":"Let me have a look.","start":966.51996,"end":967.24,"sentiment":"neutral","sentiment_score":0.09934012815356255},{"text":"I think it sends it both to you, and it's branded with an a.","start":967.24,"end":970.51996,"sentiment":"neutral","sentiment_score":0.11151940189301968},{"text":"I'll show you.","start":970.51996,"end":971.42,"sentiment":"neutral","sentiment_score":0.029864438499013584},{"text":"Okay.","start":977.855,"end":978.175,"sentiment":"neutral","sentiment_score":0.03336898982524872}],"sentiment":"neutral","sentiment_score":0.12715872791500724,"num_words":49,"start":955.425,"end":978.175},{"sentences":[{"text":"Let me just bring it up from my end, and I'll make sure there we go.","start":978.175,"end":983.555,"sentiment":"neutral","sentiment_score":0.058679498033598065},{"text":"So yeah.","start":985.055,"end":986.815,"sentiment":"neutral","sentiment_score":0.04779561795294285},{"text":"So that's if you wanted to put a page in the name, that's that's a that's a very airbrushed picture of myself.","start":986.815,"end":992.79004,"sentiment":"neutral","sentiment_score":0.04451902684840289},{"text":"I'm a lot more I've got a lot more city miles on me than that.","start":992.79004,"end":995.77,"sentiment":"neutral","sentiment_score":0.03628197051584721},{"text":"But, yeah, the first so the first attachment is the 2026 Oakview services guide version two.","start":997.59,"end":1005.525,"sentiment":"neutral","sentiment_score":0.059411733178421855}],"sentiment":"neutral","sentiment_score":0.04941829695353206,"num_words":71,"start":978.175,"end":1005.525},{"sentences":[{"text":"I'm sorry?","start":1008.645,"end":1009.385,"sentiment":"neutral","sentiment_score":-0.01140841469168663},{"text":"No.","start":1013.125,"end":1013.525,"sentiment":"neutral","sentiment_score":-0.09268315881490707},{"text":"I sent it today.","start":1013.525,"end":1014.585,"sentiment":"neutral","sentiment_score":-0.06444717012345791},{"text":"No.","start":1016.325,"end":1016.48505,"sentiment":"neutral","sentiment_score":-0.0513237863779068},{"text":"I think it I sent it straight from my personal email.","start":1016.48505,"end":1020.10504,"sentiment":"neutral","sentiment_score":-0.03189613382247361}],"sentiment":"neutral","sentiment_score":-0.040814206690380446,"num_words":19,"start":1008.645,"end":1020.10504},{"sentences":[{"text":"Well, my Chevy@opp email, and I sent that about an hour ago.","start":1020.31,"end":1024.65,"sentiment":"neutral","sentiment_score":0.014986546244472265},{"text":"Ten past four.","start":1024.7101,"end":1025.85,"sentiment":"neutral","sentiment_score":0.003376275456200043},{"text":"That's madison_o8@homel.com.","start":1029.91,"end":1034.09,"sentiment":"neutral","sentiment_score":0.013616538140922785},{"text":"No.","start":1036.465,"end":1036.785,"sentiment":"neutral","sentiment_score":-0.08507644385099411},{"text":"That's alright.","start":1036.785,"end":1037.425,"sentiment":"neutral","sentiment_score":0.004145690239965916}],"sentiment":"neutral","sentiment_score":0.00702076971065253,"num_words":20,"start":1020.31,"end":1037.425},{"sentences":[{"text":"If if it didn't come from the info or something along those lines.","start":1037.425,"end":1041.125,"sentiment":"neutral","sentiment_score":-0.023237820213230755},{"text":"Yeah.","start":1041.1849,"end":1041.6849,"sentiment":"neutral","sentiment_score":-0.03050229698419571},{"text":"There you go.","start":1043.585,"end":1044.385,"sentiment":"neutral","sentiment_score":-0.006521357533832391},{"text":"So like I said, at the at the bottom, you'll there's a if you wanna put a page of the name, like I said, it's very airbrushed.","start":1044.385,"end":1050.645,"sentiment":"neutral","sentiment_score":0.04033109421531359},{"text":"You'll probably see another picture of me there.","start":1051.0099,"end":1052.69,"sentiment":"neutral","sentiment_score":0.03205629624426365}],"sentiment":"neutral","sentiment_score":0.01910061310403622,"num_words":52,"start":1037.425,"end":1052.69},{"sentences":[{"text":"But, yeah, if you open up that first attachment, that's the 2026 OP services guide.","start":1052.69,"end":1058.71,"sentiment":"neutral","sentiment_score":0.09755862404902776},{"text":"I'll just give you a little bit of a breakdown on kind of the process, what we look at, how we do it.","start":1058.7699,"end":1064.6299,"sentiment":"neutral","sentiment_score":0.18019865064517313},{"text":"I've been fortunate enough to do this for long enough.","start":1065.3251,"end":1068.8651,"sentiment":"positive","sentiment_score":0.4469765067100525},{"text":"It feels like a lifetime now.","start":1069.165,"end":1070.9451,"sentiment":"positive","sentiment_score":0.36596142252286273},{"text":"But, yeah, if you I've I've been able to see this process work, which is really helpful and really beneficial, especially when you see it in, yeah, different different areas and different arenas of finance around the world.","start":1071.7251,"end":1086.0,"sentiment":"positive","sentiment_score":0.40850561935650676}],"sentiment":"neutral","sentiment_score":0.30213799416694953,"num_words":92,"start":1052.69,"end":1086.0},{"sentences":[{"text":"Okay.","start":1086.5399,"end":1087.0399,"sentiment":"neutral","sentiment_score":0.002237565815448761},{"text":"So can have you got that open?","start":1089.26,"end":1091.84,"sentiment":"neutral","sentiment_score":-0.09337557160428592},{"text":"Beautiful.","start":1093.965,"end":1094.465,"sentiment":"neutral","sentiment_score":0.22843673825263977},{"text":"I think my VPN is restricting me from downloading it.","start":1094.525,"end":1097.805,"sentiment":"negative","sentiment_score":-0.5617957323789596},{"text":"So give me one second while it's it's annoying.","start":1097.805,"end":1103.825,"sentiment":"negative","sentiment_score":-0.5244026018513573}],"sentiment":"negative","sentiment_score":-0.3843048370576331,"num_words":28,"start":1086.5399,"end":1103.825},{"sentences":[{"text":"Disconnects.","start":1108.4099,"end":1108.9099,"sentiment":"negative","sentiment_score":-0.4081821143627167},{"text":"Sorry.","start":1110.1699,"end":1110.6699,"sentiment":"neutral","sentiment_score":-0.2407608926296234},{"text":"It's amazing when technology works, but when it's the size of our work, it's yeah.","start":1111.0499,"end":1116.33,"sentiment":"neutral","sentiment_score":-0.028875522936383884},{"text":"We we really need it.","start":1116.33,"end":1118.03,"sentiment":"neutral","sentiment_score":-0.08928988575935363},{"text":"There we go.","start":1120.605,"end":1121.405,"sentiment":"neutral","sentiment_score":0.11426062633593877}],"sentiment":"neutral","sentiment_score":-0.04742973603308201,"num_words":25,"start":1108.4099,"end":1121.405},{"sentences":[{"text":"Alright.","start":1121.405,"end":1121.885,"sentiment":"neutral","sentiment_score":0.06662116944789886},{"text":"So I just disconnected.","start":1121.885,"end":1123.3451,"sentiment":"neutral","sentiment_score":0.037933794781565666},{"text":"So that first page you're looking at should be the OQ should say OQ Financial, OQ Services Guide, ABN, where where our address is, and a picture of the Gold Coast.","start":1123.485,"end":1133.3251,"sentiment":"neutral","sentiment_score":0.08025280698653191},{"text":"Can you see that?","start":1133.3251,"end":1134.4651,"sentiment":"neutral","sentiment_score":0.08472900930792093},{"text":"Beautiful.","start":1135.38,"end":1135.88,"sentiment":"positive","sentiment_score":0.5654796361923218}],"sentiment":"neutral","sentiment_score":0.08806314728245503,"num_words":41,"start":1121.405,"end":1135.88},{"sentences":[{"text":"So a little bit of background on the next page of OP as a whole, myself and my business partner, Bart.","start":1136.1,"end":1142.12,"sentiment":"neutral","sentiment_score":0.13885582451309478},{"text":"We we started this up with a whole bunch of venture capital in a garage in Pimpama on the Gold Coast a long time ago.","start":1142.26,"end":1151.335,"sentiment":"neutral","sentiment_score":0.10961484849452972},{"text":"And, yeah, with the hopes and dreams, and somehow it worked.","start":1151.875,"end":1155.975,"sentiment":"neutral","sentiment_score":0.20975668999281796},{"text":"And we've been building it since there, but, essentially, we wanted to start.","start":1156.195,"end":1159.7949,"sentiment":"neutral","sentiment_score":0.14213435982282346},{"text":"This was right at the Royal Commission.","start":1159.7949,"end":1161.895,"sentiment":"neutral","sentiment_score":0.04436697970543589}],"sentiment":"neutral","sentiment_score":0.13145432016485697,"num_words":77,"start":1136.1,"end":1161.895},{"sentences":[{"text":"Do you remember do you know anything about the 2017 Haines Royal Commission into banking and finance?","start":1161.955,"end":1167.2301,"sentiment":"neutral","sentiment_score":-0.0039816200185348},{"text":"Or okay.","start":1167.29,"end":1169.93,"sentiment":"neutral","sentiment_score":-0.04869842901825905},{"text":"So in 2017, there was this massive Royal Commission that went into banking and finance, and rightfully so, because they found that there was a lot of a lot of financial planners, asset managers, brokers, you know, insurance dealers, even form brokers.","start":1169.93,"end":1185.535,"sentiment":"neutral","sentiment_score":-0.07545678814252217},{"text":"Everything got to do with banking and finance.","start":1185.535,"end":1187.535,"sentiment":"neutral","sentiment_score":-0.10116475634276867},{"text":"Pretty much all of the big plays were doing doing wrong things.","start":1187.535,"end":1191.51,"sentiment":"neutral","sentiment_score":-0.24971390888094902}],"sentiment":"neutral","sentiment_score":-0.08815005503272937,"num_words":81,"start":1161.955,"end":1191.51},{"sentences":[{"text":"That makes sense.","start":1192.05,"end":1193.03,"sentiment":"neutral","sentiment_score":-0.023713539044062298},{"text":"Some you looked at, you know, deceased estates by over twenty years still being charged fees, extortionate fees.","start":1193.9299,"end":1203.41,"sentiment":"neutral","sentiment_score":-0.22717036803563437},{"text":"You're talking, you know, $1,020,000 dollars a year without telling the or holding on to insurance payments that the family should have received, but, you know, insurance brokers were just holding on to the insurance payments without telling the family and just securing interest on it.","start":1203.41,"end":1220.39,"sentiment":"neutral","sentiment_score":-0.19561554021809413},{"text":"Yeah.","start":1220.39,"end":1220.71,"sentiment":"neutral","sentiment_score":-0.1409001648426056},{"text":"Things like that.","start":1220.71,"end":1221.6901,"sentiment":"neutral","sentiment_score":-0.2455022633075714}],"sentiment":"neutral","sentiment_score":-0.19768914150100358,"num_words":71,"start":1192.05,"end":1221.6901},{"sentences":[{"text":"Really, really bad, but there's a lot of there's a few of us that are trying to I'm sure there are a few of us that are trying to do the right thing.","start":1222.39,"end":1229.77,"sentiment":"neutral","sentiment_score":-0.24169348293181622},{"text":"And that's why we started our deep financial to be the provision of being the most trusted financial planning firm in Australia.","start":1229.99,"end":1237.965,"sentiment":"positive","sentiment_score":0.4020621905272657},{"text":"Because at the time, when you because of that, when you think of financial planners and asset managers alike, you you don't really trust is not the first thing that comes to mind.","start":1238.345,"end":1248.345,"sentiment":"neutral","sentiment_score":-0.009738207314953659},{"text":"Right?","start":1248.345,"end":1248.845,"sentiment":"neutral","sentiment_score":-0.04138749837875366},{"text":"Oh, I honest yeah.","start":1255.62,"end":1259.38,"sentiment":"neutral","sentiment_score":-0.26811324432492256}],"sentiment":"neutral","sentiment_score":-0.006082989916365634,"num_words":93,"start":1222.39,"end":1259.38},{"sentences":[{"text":"Yeah.","start":1259.38,"end":1259.62,"sentiment":"neutral","sentiment_score":-0.13553394377231598},{"text":"But, honestly, I agree with it.","start":1259.62,"end":1261.32,"sentiment":"neutral","sentiment_score":-0.21379939963420233},{"text":"It's it's a necessary evil.","start":1262.8151,"end":1265.4751,"sentiment":"negative","sentiment_score":-0.5400014221668243},{"text":"I I I personally dislike insurances, but I understand the purpose behind it because, you know, there's I could tell you some horror stories working in financial industry as a whole, especially when it comes to life insurance.","start":1266.495,"end":1281.69,"sentiment":"negative","sentiment_score":-0.3548031484610156},{"text":"So like I said before, it's it's one of those things you pay all this money for and the best outcome is nothing happens.","start":1281.69,"end":1287.63,"sentiment":"neutral","sentiment_score":-0.32956052602579194}],"sentiment":"negative","sentiment_score":-0.3447339151155304,"num_words":74,"start":1259.38,"end":1287.63},{"sentences":[{"text":"Okay?","start":1289.61,"end":1290.11,"sentiment":"neutral","sentiment_score":-0.13668854534626007},{"text":"This well, that's the thing.","start":1292.175,"end":1300.255,"sentiment":"neutral","sentiment_score":-0.006561926007270816},{"text":"So so when you got when I was talking about underwritten comprehensive assurance, if we write it, we manage that, and we review your your situation, and we review your needs analysis.","start":1300.255,"end":1311.57,"sentiment":"neutral","sentiment_score":0.08006826264318079},{"text":"And, you know, if you've got a home, we wanna cover the mortgages worth mortgages worth $750, let's say, numbers numbers wise.","start":1311.57,"end":1318.87,"sentiment":"neutral","sentiment_score":0.012953474652022123},{"text":"But then you you that's called bare bones.","start":1319.415,"end":1321.9951,"sentiment":"neutral","sentiment_score":-0.08821022883057594}],"sentiment":"neutral","sentiment_score":0.028999718248515445,"num_words":68,"start":1289.61,"end":1321.9951},{"sentences":[{"text":"And if we cover that, but and we cover you for $750,000 worth of life and total permanent disability, then if in a year's time, you'd paid off, let's say, $50,000 worth of that mortgage and the property value grew by $50,000.","start":1322.135,"end":1338.6499,"sentiment":"neutral","sentiment_score":-0.05230441042000339},{"text":"Do you still you don't need $750,000 worth of worth of cover anymore.","start":1339.19,"end":1345.025,"sentiment":"neutral","sentiment_score":-0.13737339641039187},{"text":"You only need 650,000.","start":1345.025,"end":1347.105,"sentiment":"neutral","sentiment_score":-0.0004012988065369428},{"text":"So the ideal situation is to be what's called self insured so that you don't have to pay somebody else a premium to cover your needs because you can cover them yourself.","start":1347.105,"end":1356.005,"sentiment":"neutral","sentiment_score":0.24373197183012962},{"text":"Does that make sense?","start":1358.76,"end":1359.88,"sentiment":"neutral","sentiment_score":0.19251904636621475}],"sentiment":"neutral","sentiment_score":0.048265838924501286,"num_words":95,"start":1322.135,"end":1359.88},{"sentences":[{"text":"Or yeah.","start":1359.88,"end":1366.68,"sentiment":"neutral","sentiment_score":0.17829996347427368},{"text":"So to be self insured means that you don't have any debts.","start":1366.68,"end":1370.36,"sentiment":"neutral","sentiment_score":0.20313209823022285},{"text":"If either of you or both of you were to pass away because of some tragic event, you know, whatever might happen, then you don't have any debts or such left to your kids, if that makes sense.","start":1370.36,"end":1383.355,"sentiment":"neutral","sentiment_score":-0.21840871556809074},{"text":"So so correct.","start":1383.355,"end":1391.64,"sentiment":"neutral","sentiment_score":0.029277268797159195},{"text":"Correct.","start":1396.02,"end":1396.52,"sentiment":"neutral","sentiment_score":0.035797521471977234}],"sentiment":"neutral","sentiment_score":-0.09610208496451378,"num_words":56,"start":1359.88,"end":1396.52},{"sentences":[{"text":"Exactly.","start":1397.595,"end":1398.095,"sentiment":"neutral","sentiment_score":0.12984591722488403},{"text":"Exactly.","start":1398.315,"end":1398.815,"sentiment":"neutral","sentiment_score":0.1487514078617096},{"text":"So that that kinda gives you that's that's part of our service ongoing and, you know, that's part of that insurance premium.","start":1399.115,"end":1404.5549,"sentiment":"neutral","sentiment_score":0.1785163479772481},{"text":"That's why after the Hainville Commission, they introduced a trail commission that we get paid on for any insurance policy that we write as a whole, so as a company.","start":1404.5549,"end":1415.01,"sentiment":"neutral","sentiment_score":0.144836737960577},{"text":"And that's all the same between all insurers.","start":1415.31,"end":1417.55,"sentiment":"neutral","sentiment_score":0.21552306413650513}],"sentiment":"neutral","sentiment_score":0.16572973600799037,"num_words":62,"start":1397.595,"end":1417.55},{"sentences":[{"text":"So there's no kind of bias.","start":1417.55,"end":1418.91,"sentiment":"neutral","sentiment_score":0.17679752161105475},{"text":"There's just one of the cheapest and best for you and your occupation.","start":1418.91,"end":1421.81,"sentiment":"neutral","sentiment_score":0.31272649191893065},{"text":"Okay?","start":1422.35,"end":1422.85,"sentiment":"neutral","sentiment_score":0.10093334317207336},{"text":"So, yeah, I guess, going back onto that gives you a bit more of a breakdown on the insurance side of things.","start":1425.015,"end":1430.3151,"sentiment":"neutral","sentiment_score":0.05890071002597159},{"text":"But, yeah, going back onto our vision and mission and why we started the company was to be the most trusted financial planning firm in Australia.","start":1430.4551,"end":1437.3351,"sentiment":"neutral","sentiment_score":0.22812559341008848}],"sentiment":"neutral","sentiment_score":0.18315064583850257,"num_words":68,"start":1417.55,"end":1437.3351},{"sentences":[{"text":"And I like to think we've upheld that because now we've got a team of, you know, over 40, I think, 43 employees and, yeah, still growing.","start":1437.3351,"end":1447.03,"sentiment":"neutral","sentiment_score":0.27915188394210955},{"text":"So and getting good word-of-mouth.","start":1447.03,"end":1448.73,"sentiment":"neutral","sentiment_score":0.28494448959827423},{"text":"So that's I can show Yeah.","start":1449.51,"end":1453.635,"sentiment":"neutral","sentiment_score":0.07281026616692543},{"text":"This is crazy that it just shakes up.","start":1453.8551,"end":1456.015,"sentiment":"neutral","sentiment_score":-0.18046968430280685},{"text":"I actually got a I spoke to a client.","start":1456.015,"end":1458.9751,"sentiment":"neutral","sentiment_score":-0.05171003710064623}],"sentiment":"neutral","sentiment_score":0.13617340187457475,"num_words":55,"start":1437.3351,"end":1458.9751},{"sentences":[{"text":"That's the reason why I'm speaking to you guys today is Larissa who you initially had the appointment with.","start":1458.9751,"end":1465.11,"sentiment":"neutral","sentiment_score":0.02011613023320311},{"text":"She ended up having a bit of an incident over the weekend and is now at work for the rest of the week.","start":1465.35,"end":1470.87,"sentiment":"neutral","sentiment_score":-0.09172816785133403},{"text":"So I opted to, you know, speak to her clients, you know, already booked in booked in things.","start":1470.87,"end":1476.87,"sentiment":"neutral","sentiment_score":0.03640594892203808},{"text":"So I guess you're gonna be fine for mine when you decide to proceed.","start":1476.87,"end":1479.9299,"sentiment":"neutral","sentiment_score":0.057374382125479836},{"text":"So, yeah, like, going on to our core values and our core mission, there's a little bit of a blur there.","start":1482.485,"end":1487.765,"sentiment":"neutral","sentiment_score":0.04317806696607953}],"sentiment":"neutral","sentiment_score":0.0067131205314868376,"num_words":95,"start":1458.9751,"end":1487.765},{"sentences":[{"text":"You're welcome to read it in your own time.","start":1487.765,"end":1489.705,"sentiment":"positive","sentiment_score":0.4313304192490048},{"text":"If you're struggling to get to sleep at some point, feel free to go through it or knock you out pretty quick.","start":1490.085,"end":1496.5,"sentiment":"neutral","sentiment_score":0.05550348623232408},{"text":"But that gives you a little bit of a breakdown of of journey and where we came from, you know, humble beginnings, if you would.","start":1496.5,"end":1502.36,"sentiment":"neutral","sentiment_score":0.3284482443332672},{"text":"But the next page is really what I wanted to kinda focus on, And that's the OP Wealth Cycle.","start":1503.7,"end":1509.295,"sentiment":"neutral","sentiment_score":0.3121047412094317},{"text":"So let me know if you're looking at that page.","start":1509.5951,"end":1511.615,"sentiment":"neutral","sentiment_score":0.14533566534519196}],"sentiment":"neutral","sentiment_score":0.24350121547194087,"num_words":85,"start":1487.765,"end":1511.615},{"sentences":[{"text":"Beautiful.","start":1513.5951,"end":1514.0951,"sentiment":"positive","sentiment_score":0.5918078422546387},{"text":"So this is this is kind of a it's not really a process for us.","start":1514.235,"end":1519.275,"sentiment":"neutral","sentiment_score":0.13952531442046165},{"text":"It's just an overall algorithm in a way.","start":1519.275,"end":1522.47,"sentiment":"neutral","sentiment_score":0.10049926210194826},{"text":"So we it's like I said before, we I've been fortunate enough to work overseas and as a stock broker, I've been working all around the world and then coming back to boutique firms in Australia and starting this firm ourselves.","start":1522.71,"end":1537.0499,"sentiment":"neutral","sentiment_score":0.19461411564815334},{"text":"I've seen this process done in many different ways in, you know, CBA, Commonwealth Bank Australia, does it in a ladder where the each step in the ladder is kinda like the next stage, if you would.","start":1538.165,"end":1550.4,"sentiment":"neutral","sentiment_score":0.10388909129274858}],"sentiment":"neutral","sentiment_score":0.15011526249787388,"num_words":102,"start":1513.5951,"end":1550.4},{"sentences":[{"text":"There's overseas that or mutual.","start":1551.68,"end":1554.24,"sentiment":"neutral","sentiment_score":0.027076414600014687},{"text":"There was they did this process in a diamond, a a base mortgage diamond to different bases.","start":1554.24,"end":1561.62,"sentiment":"neutral","sentiment_score":0.033995630329146105},{"text":"But essentially, they're all the same thing.","start":1562.4,"end":1564.74,"sentiment":"neutral","sentiment_score":0.000996611214109829},{"text":"And we are finance nerds, so some of us names are pretty corny and nerdy, so I do apologize.","start":1565.4651,"end":1572.285,"sentiment":"neutral","sentiment_score":-0.2544511074298306},{"text":"Bear with me.","start":1572.425,"end":1573.3251,"sentiment":"neutral","sentiment_score":-0.20978049437204996}],"sentiment":"neutral","sentiment_score":-0.09301232268997267,"num_words":51,"start":1551.68,"end":1573.3251},{"sentences":[{"text":"So most of the time, clients speak to us as a seedling, kinda like in the ground.","start":1573.4651,"end":1577.9651,"sentiment":"neutral","sentiment_score":-0.06731649269075955},{"text":"You know, they don't know which, not too sure which way is up, where the sun is.","start":1578.105,"end":1582.27,"sentiment":"neutral","sentiment_score":-0.1218406023348079},{"text":"You know, you're in a dark kind of space.","start":1582.27,"end":1584.51,"sentiment":"neutral","sentiment_score":-0.2663036949104733},{"text":"You don't know where to go.","start":1584.51,"end":1585.71,"sentiment":"neutral","sentiment_score":-0.25816844900449115},{"text":"So no real growth plan, no strategy, no direction.","start":1585.71,"end":1588.45,"sentiment":"neutral","sentiment_score":-0.10833523670832317}],"sentiment":"neutral","sentiment_score":-0.14028330506949588,"num_words":58,"start":1573.4651,"end":1588.45},{"sentences":[{"text":"So what we do is we like to set up essentially foundations, which is what I like to call the roots, Oak view, oak tree.","start":1588.83,"end":1595.655,"sentiment":"neutral","sentiment_score":0.18254651606082917},{"text":"Again, very corny, but it works.","start":1596.035,"end":1597.895,"sentiment":"neutral","sentiment_score":0.0009184982627630228},{"text":"So, yeah, we set up we look at the roots, and that's your superannuation, which is essentially growing wealth for retirement.","start":1598.755,"end":1604.935,"sentiment":"neutral","sentiment_score":0.3028021227745783},{"text":"And then making sure that we review your insurances, make sure that you're covered for enough and you're not paying too much, those kind of things.","start":1605.89,"end":1612.63,"sentiment":"neutral","sentiment_score":0.3033868234891158},{"text":"So that if anything were to go wrong, then you you at least you're covered for the rest of your time and so you can access your super.","start":1612.6901,"end":1619.9901,"sentiment":"positive","sentiment_score":0.3971938267350197}],"sentiment":"neutral","sentiment_score":0.2824292738552926,"num_words":106,"start":1588.83,"end":1619.9901},{"sentences":[{"text":"Okay?","start":1620.525,"end":1621.025,"sentiment":"neutral","sentiment_score":0.1580609530210495},{"text":"So that's kind of how those two go hand in hand.","start":1621.405,"end":1623.985,"sentiment":"neutral","sentiment_score":0.28956216980110516},{"text":"Outside of that, part of the roots, you know, it's kind of in the background, and you don't really you don't really you don't you know it's there, but you and it's a really important part of the whole process, but you don't really see it because you don't really touch it or access it until you need it.","start":1624.8451,"end":1640.0,"sentiment":"neutral","sentiment_score":0.09978287354490514},{"text":"Right?","start":1640.0,"end":1640.24,"sentiment":"neutral","sentiment_score":0.049947068095207214},{"text":"Or until you can access it.","start":1640.24,"end":1642.0,"sentiment":"neutral","sentiment_score":0.023374931886792183}],"sentiment":"neutral","sentiment_score":0.12077732076152013,"num_words":78,"start":1620.525,"end":1642.0},{"sentences":[{"text":"So that comes hand in hand with the accounting and taxation, then you're doing your taxes every year.","start":1642.0,"end":1647.14,"sentiment":"neutral","sentiment_score":0.1312823523249891},{"text":"All being self employed and doing baths and all those weird and wonderful things.","start":1648.08,"end":1652.6749,"sentiment":"neutral","sentiment_score":0.20603748943124497},{"text":"But looking at your situation, you know, when you're looking at your insurances, we we also kind of like to do a review of your superannuation as well.","start":1652.975,"end":1662.195,"sentiment":"neutral","sentiment_score":0.09458454991025585},{"text":"And the reason for that is because if we if we get you adequate comprehensive cover outside of, let's say, for example, your q super, then you still if we don't review those q super insurance policies, then you will have two lots of insurances and paying way too much money for premiums that you might not claim on.","start":1662.575,"end":1683.395,"sentiment":"neutral","sentiment_score":-0.1763205195035217},{"text":"Does that make sense?","start":1684.895,"end":1685.855,"sentiment":"neutral","sentiment_score":-0.07392874546349049}],"sentiment":"neutral","sentiment_score":-0.02278578082266135,"num_words":123,"start":1642.0,"end":1685.855},{"sentences":[{"text":"Or so that's why we like to work out a way to look after that superannuation as well.","start":1685.855,"end":1692.81,"sentiment":"neutral","sentiment_score":0.21712075070374542},{"text":"It makes it a lot easier from during rollover point of view.","start":1692.89,"end":1696.1101,"sentiment":"neutral","sentiment_score":0.2849937342107296},{"text":"But if you're just looking at insurances, we can still work out a way to get q super.","start":1696.41,"end":1702.27,"sentiment":"neutral","sentiment_score":0.08678928214228815},{"text":"We'll try our best to work out a way to get q super as a trustee, coupon trustee, to pay for external insurances, and then we can cancel the insurances inside that fund as well.","start":1702.4901,"end":1713.995,"sentiment":"neutral","sentiment_score":0.037839776437197416},{"text":"Okay?","start":1714.615,"end":1715.115,"sentiment":"neutral","sentiment_score":0.020507654175162315}],"sentiment":"neutral","sentiment_score":0.12184768132421941,"num_words":84,"start":1685.855,"end":1715.115},{"sentences":[{"text":"Some trustees don't like it.","start":1715.575,"end":1717.015,"sentiment":"negative","sentiment_score":-0.4742360353469849},{"text":"Some trustees just say, no.","start":1717.015,"end":1718.375,"sentiment":"neutral","sentiment_score":-0.31807947158813477},{"text":"Well, I get paid money on the insurances with q insure.","start":1718.375,"end":1722.155,"sentiment":"neutral","sentiment_score":-0.1347823441028595},{"text":"It's the insurance company that that in that right to those insurance policies for you with QSuper.","start":1722.35,"end":1728.13,"sentiment":"neutral","sentiment_score":-0.11737011394956533},{"text":"So why would they cancel get pay for insurance in somewhere else where they get less fees and they get less premiums.","start":1729.0701,"end":1736.805,"sentiment":"neutral","sentiment_score":-0.3033092932944948}],"sentiment":"neutral","sentiment_score":-0.23520466182380914,"num_words":60,"start":1715.575,"end":1736.805},{"sentences":[{"text":"You know what I mean?","start":1738.785,"end":1739.665,"sentiment":"neutral","sentiment_score":0.020027198642492295},{"text":"So that's something to be considerate of and think about as well.","start":1739.665,"end":1743.025,"sentiment":"neutral","sentiment_score":0.08483741153031588},{"text":"But we'll give you a recommendation on that no matter what.","start":1743.025,"end":1745.925,"sentiment":"neutral","sentiment_score":0.23169909417629242},{"text":"And that's why I brought up the superannuation.","start":1746.0651,"end":1747.8451,"sentiment":"neutral","sentiment_score":0.23890486545860767},{"text":"So that's the first step.","start":1748.2251,"end":1751.03,"sentiment":"positive","sentiment_score":0.345118921995163}],"sentiment":"neutral","sentiment_score":0.1781392317356133,"num_words":41,"start":1738.785,"end":1751.03},{"sentences":[{"text":"After that, we can we we kind of once you get this the your retirement balance working harder for you for retirement and making sure that you're covered as well, then we move on to the trunk stage.","start":1751.33,"end":1762.21,"sentiment":"positive","sentiment_score":0.3483639696710988},{"text":"This is like four pillars, and this is where you're probably at at the moment where you create a relationship with your money, cash flow, and budgeting, family home, like we said before like you said, Maddie, before.","start":1762.21,"end":1775.435,"sentiment":"neutral","sentiment_score":0.27029257601028994},{"text":"You know, over over time, you your property, your primary place of residence, and your home is growing in value, but you're paying it off.","start":1775.975,"end":1784.2101,"sentiment":"neutral","sentiment_score":0.21179210051894187},{"text":"So you probably don't need as much insurance in twelve months' time.","start":1784.27,"end":1787.81,"sentiment":"neutral","sentiment_score":-0.1376825241992871},{"text":"Okay?","start":1789.55,"end":1789.9501,"sentiment":"neutral","sentiment_score":0.08352534472942352}],"sentiment":"neutral","sentiment_score":0.23890426581758156,"num_words":114,"start":1751.33,"end":1789.9501},{"sentences":[{"text":"So that's that's kind of where our heads are.","start":1789.9501,"end":1792.03,"sentiment":"neutral","sentiment_score":0.15525265120797688},{"text":"We also wanna get rid of any bad debt.","start":1792.03,"end":1794.525,"sentiment":"neutral","sentiment_score":0.04491684751378165},{"text":"What what I mean by that is non deductible debt, like personal loans, credit cards.","start":1794.925,"end":1799.505,"sentiment":"neutral","sentiment_score":0.02896223763624827},{"text":"We can work on those cash car loans exactly.","start":1799.885,"end":1802.925,"sentiment":"neutral","sentiment_score":0.04388363245460722},{"text":"If it's not in a if it's not for business purposes, then it's really hard to deduct.","start":1802.925,"end":1806.865,"sentiment":"neutral","sentiment_score":-0.19719645731589375}],"sentiment":"neutral","sentiment_score":-0.012227593715918266,"num_words":59,"start":1789.9501,"end":1806.865},{"sentences":[{"text":"Essentially, in Australia, we pay some of the highest marginal tax rates on the planet.","start":1809.4701,"end":1813.65,"sentiment":"neutral","sentiment_score":-0.06845499202609062},{"text":"So it's not it's not ideal, but in saying that we are an investment haven.","start":1814.5901,"end":1819.9701,"sentiment":"neutral","sentiment_score":-0.048182406028111774},{"text":"So, you know, and that's what I mean by that.","start":1820.67,"end":1823.625,"sentiment":"neutral","sentiment_score":0.08677668645977973},{"text":"So one of the only countries in the world where you can deduct a 100% of the interest charged on invest on assets for investment purposes.","start":1823.625,"end":1832.845,"sentiment":"neutral","sentiment_score":0.10392264291070975},{"text":"Okay?","start":1835.4501,"end":1835.9501,"sentiment":"neutral","sentiment_score":-0.02300865203142166}],"sentiment":"neutral","sentiment_score":0.026823671006444675,"num_words":67,"start":1809.4701,"end":1835.9501},{"sentences":[{"text":"So that's we wanna really try and just solidify those roots and the foundations and the trunk stage so that we can get to that next stage next step up, which is diversification, which is branching out, we call it.","start":1836.01,"end":1851.4149,"sentiment":"positive","sentiment_score":0.3648019827902317},{"text":"And that's when you start leveraging it into equity in your home to get investment properties using OPM.","start":1851.7949,"end":1858.2949,"sentiment":"neutral","sentiment_score":0.24743223024739158},{"text":"Have you ever heard the statement OPM?","start":1858.355,"end":1860.215,"sentiment":"neutral","sentiment_score":0.048370826191135814},{"text":"OPM?","start":1860.4349,"end":1860.9349,"sentiment":"neutral","sentiment_score":0.02545357309281826},{"text":"Or, yeah, other people's money.","start":1861.395,"end":1865.96,"sentiment":"neutral","sentiment_score":0.024526184424757957}],"sentiment":"neutral","sentiment_score":0.2751061934453081,"num_words":71,"start":1836.01,"end":1865.96},{"sentences":[{"text":"Yeah.","start":1867.62,"end":1868.12,"sentiment":"neutral","sentiment_score":0.06825459003448486},{"text":"So it's I like to yeah.","start":1868.5,"end":1869.86,"sentiment":"neutral","sentiment_score":0.17076335350672403},{"text":"It's it's called OPM in our world, other people's money.","start":1869.86,"end":1873.32,"sentiment":"neutral","sentiment_score":0.2680957093834877},{"text":"It's a great thing because if you wanna buy another property with the equity you've created in your home, you need that cash.","start":1873.5399,"end":1881.025,"sentiment":"positive","sentiment_score":0.486575019100438},{"text":"You're gonna have to sell that property to get the cash to buy the property.","start":1881.025,"end":1884.565,"sentiment":"neutral","sentiment_score":0.25192794303099314}],"sentiment":"positive","sentiment_score":0.34079884344881234,"num_words":55,"start":1867.62,"end":1884.565},{"sentences":[{"text":"Right?","start":1884.625,"end":1885.125,"sentiment":"neutral","sentiment_score":0.23043492436408997},{"text":"But we're fortunate enough to not be able we'll not have to do that because we can do what's called leveraging and gearing, and you can go and borrow other people's money.","start":1885.905,"end":1895.1599,"sentiment":"neutral","sentiment_score":0.2892587445676327},{"text":"Essentially, go to the bank or the institution, say, look, I've got $10,000.","start":1895.38,"end":1899.64,"sentiment":"neutral","sentiment_score":0.16222973970266488},{"text":"I wanna invest it in something, anything, property, shares, whatever it might be, bonds, gold, that, let's just say, makes 10% return in a year.","start":1900.26,"end":1909.8049,"sentiment":"neutral","sentiment_score":0.31722230195999146},{"text":"On that $10,000, in one year, you make 10% return.","start":1910.105,"end":1913.225,"sentiment":"positive","sentiment_score":0.43457296788692473}],"sentiment":"neutral","sentiment_score":0.2947159085744693,"num_words":81,"start":1884.625,"end":1913.225},{"sentences":[{"text":"That's a thousand dollars.","start":1913.225,"end":1914.345,"sentiment":"positive","sentiment_score":0.49639590084552765},{"text":"And that alright.","start":1914.345,"end":1915.385,"sentiment":"positive","sentiment_score":0.44947195053100586},{"text":"Congratulations.","start":1915.385,"end":1915.885,"sentiment":"positive","sentiment_score":0.5240136384963989},{"text":"But if you go to an institution like a bank or investment bank and you end up saying, look, I wanna borrow $90,000 to make it a $100 in total, they say, yep.","start":1916.97,"end":1927.69,"sentiment":"neutral","sentiment_score":0.045928986432651676},{"text":"Not a problem.","start":1927.69,"end":1928.41,"sentiment":"neutral","sentiment_score":0.06589192276199658}],"sentiment":"neutral","sentiment_score":0.12662148668261414,"num_words":44,"start":1913.225,"end":1928.41},{"sentences":[{"text":"Here's a $100.","start":1928.41,"end":1929.55,"sentiment":"neutral","sentiment_score":0.03126007877290249},{"text":"Sorry.","start":1929.85,"end":1930.17,"sentiment":"neutral","sentiment_score":-0.0652390867471695},{"text":"Here's $90,000, but you owe us 5%, just for numbers sake, on interest every year.","start":1930.17,"end":1936.1649,"sentiment":"neutral","sentiment_score":-0.0670338104168574},{"text":"Right?","start":1937.585,"end":1937.985,"sentiment":"neutral","sentiment_score":0.011047838255763054},{"text":"Then that means you owe that institution 9 $4,500 every year because of the interest on the $90,000.","start":1937.985,"end":1945.6849,"sentiment":"neutral","sentiment_score":-0.03474989429944091}],"sentiment":"neutral","sentiment_score":-0.041879375416197274,"num_words":38,"start":1928.41,"end":1945.6849},{"sentences":[{"text":"Right?","start":1945.9049,"end":1946.31,"sentiment":"neutral","sentiment_score":0.011452658101916311},{"text":"But now you've got a $100,000 or $90,000 that would be in ODM, other people's money.","start":1947.51,"end":1953.29,"sentiment":"neutral","sentiment_score":0.053885746747255325},{"text":"So now you take that a $100,000, put it in the exact same investment that makes the exact same 10% in that exact same year you've made, you know, essentially $10,000.","start":1953.43,"end":1965.385,"sentiment":"neutral","sentiment_score":0.25005084804950223},{"text":"You pay back the 4,500 in interest, which is also deductible.","start":1965.385,"end":1969.085,"sentiment":"neutral","sentiment_score":0.19463235546242108},{"text":"You're left just on face value with $5,500.","start":1969.625,"end":1974.345,"sentiment":"neutral","sentiment_score":0.22356033883988857}],"sentiment":"neutral","sentiment_score":0.1873826793492285,"num_words":67,"start":1945.9049,"end":1974.345},{"sentences":[{"text":"So you've just done a 55% return in one year by utilizing that strategy.","start":1974.345,"end":1979.31,"sentiment":"positive","sentiment_score":0.3777356200984546},{"text":"That's called my that's called gearing and leveraging.","start":1983.37,"end":1985.6901,"sentiment":"neutral","sentiment_score":0.12287520430982113},{"text":"It's it's essentially getting investment properly if you want.","start":1985.6901,"end":1988.565,"sentiment":"neutral","sentiment_score":0.16323666108979118},{"text":"Because if you leverage against your primary place of evidence, you can do that.","start":1988.725,"end":1991.6849,"sentiment":"neutral","sentiment_score":0.14123736268707685},{"text":"But if you wanted to get technical, it's called leveraging theory.","start":1991.6849,"end":1994.9049,"sentiment":"neutral","sentiment_score":0.05285583538087932}],"sentiment":"neutral","sentiment_score":0.18391370593703218,"num_words":56,"start":1974.345,"end":1994.9049},{"sentences":[{"text":"Yeah.","start":1997.0449,"end":1997.5449,"sentiment":"neutral","sentiment_score":-0.0059653897769749165},{"text":"Does does that kinda make sense?","start":1999.2849,"end":2001.0449,"sentiment":"neutral","sentiment_score":-0.051633369798461594},{"text":"Or Yeah.","start":2001.0449,"end":2006.26,"sentiment":"neutral","sentiment_score":-0.059158805757761},{"text":"Yeah.","start":2014.64,"end":2014.96,"sentiment":"neutral","sentiment_score":-0.1014997810125351},{"text":"So I hope Yeah.","start":2014.96,"end":2017.2,"sentiment":"neutral","sentiment_score":-0.18426901288330555}],"sentiment":"neutral","sentiment_score":-0.09090421804493028,"num_words":14,"start":1997.0449,"end":2017.2},{"sentences":[{"text":"Yeah.","start":2017.2,"end":2017.7,"sentiment":"neutral","sentiment_score":-0.015325251035392284},{"text":"Yeah.","start":2019.755,"end":2019.995,"sentiment":"neutral","sentiment_score":0.03370765596628189},{"text":"Yeah.","start":2019.995,"end":2020.395,"sentiment":"neutral","sentiment_score":0.04566311836242676},{"text":"But and please do.","start":2020.395,"end":2021.595,"sentiment":"neutral","sentiment_score":0.08688264712691307},{"text":"It's it's a very important part of this.","start":2021.595,"end":2023.755,"sentiment":"neutral","sentiment_score":0.19367979280650616}],"sentiment":"neutral","sentiment_score":0.1307342969502012,"num_words":15,"start":2017.2,"end":2023.755},{"sentences":[{"text":"You know, money makes 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property?","start":2039.07,"end":2041.57,"sentiment":"neutral","sentiment_score":0.09891525407632192},{"text":"Yep.","start":2044.83,"end":2045.265,"sentiment":"neutral","sentiment_score":-0.0014047821750864389},{"text":"490,000.","start":2048.625,"end":2050.085,"sentiment":"neutral","sentiment_score":0.029845047742128372},{"text":"Amazing.","start":2050.145,"end":2050.645,"sentiment":"positive","sentiment_score":0.4216967523097992},{"text":"And what do you think the value is worth at the 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work.","start":2083.035,"end":2084.095,"sentiment":"neutral","sentiment_score":0.32187338173389435},{"text":"Amazing.","start":2089.24,"end":2089.7202,"sentiment":"positive","sentiment_score":0.6372597813606262},{"text":"Yeah.","start":2089.7202,"end":2089.9602,"sentiment":"neutral","sentiment_score":0.17166641354560852},{"text":"Yeah.","start":2089.9602,"end":2090.2002,"sentiment":"neutral","sentiment_score":0.10917413234710692},{"text":"I didn't make it quite that far, but when I was at uni studying exactly what we're doing now, I used to fly to Airlie Beach and then I'm on the bus.","start":2090.2002,"end":2097.9001,"sentiment":"neutral","sentiment_score":0.03914053930202499}],"sentiment":"neutral","sentiment_score":0.08866900286804406,"num_words":39,"start":2083.035,"end":2097.9001},{"sentences":[{"text":"I used to be somewhat nautical.","start":2099.1602,"end":2101.1,"sentiment":"neutral","sentiment_score":0.03359075045833985},{"text":"When I was at uni, I was on university job.","start":2101.24,"end":2103.375,"sentiment":"neutral","sentiment_score":0.09604679755866527},{"text":"Yeah.","start":2103.455,"end":2103.615,"sentiment":"neutral","sentiment_score":0.18411998450756073},{"text":"It was beautiful.","start":2103.615,"end":2106.035,"sentiment":"positive","sentiment_score":0.41298775871594745},{"text":"Yeah.","start":2107.295,"end":2107.615,"sentiment":"neutral","sentiment_score":0.11794233322143556}],"sentiment":"neutral","sentiment_score":0.12871609867683478,"num_words":21,"start":2099.1602,"end":2107.615},{"sentences":[{"text":"It's it's the drinking time of the sailing problem.","start":2107.615,"end":2110.655,"sentiment":"neutral","sentiment_score":0.1101032363043891},{"text":"Right?","start":2110.655,"end":2111.155,"sentiment":"neutral","sentiment_score":0.0903511792421341},{"text":"But anyway, it's yeah.","start":2114.575,"end":2115.935,"sentiment":"neutral","sentiment_score":0.061796242371201515},{"text":"It's I've got a few friends that have met over there that are from you know, Port Douglas, places like that, and it's just around the corner.","start":2115.935,"end":2122.57,"sentiment":"neutral","sentiment_score":0.06936833828135773},{"text":"And, yeah, all I hear is how hard it is.","start":2122.6301,"end":2125.03,"sentiment":"neutral","sentiment_score":-0.15504366010427476}],"sentiment":"neutral","sentiment_score":0.032372035451379476,"num_words":51,"start":2107.615,"end":2125.03},{"sentences":[{"text":"So yeah.","start":2125.03,"end":2127.37,"sentiment":"neutral","sentiment_score":0.03923356533050537},{"text":"But, yeah, essentially, looking at the you you can look at what's called LDR, loan to value ratio, and the equity in your house with us growing over 80%.","start":2128.23,"end":2137.665,"sentiment":"neutral","sentiment_score":0.05739861534073435},{"text":"Because then you initiate what's called LMI, loan mortgage 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retired.","start":2159.28,"end":2163.6948,"sentiment":"neutral","sentiment_score":0.08942817039787769},{"text":"Yeah.","start":2166.635,"end":2167.135,"sentiment":"neutral","sentiment_score":0.16308188438415527},{"text":"Yeah.","start":2167.275,"end":2167.775,"sentiment":"neutral","sentiment_score":0.20086462795734408},{"text":"It's it's pretty amazing when you when you do it long enough to actually see it work.","start":2167.835,"end":2172.575,"sentiment":"neutral","sentiment_score":0.3203288947834688},{"text":"So it's an incredible thing.","start":2172.875,"end":2174.55,"sentiment":"positive","sentiment_score":0.4627164363861084}],"sentiment":"neutral","sentiment_score":0.2652176943991114,"num_words":34,"start":2159.28,"end":2174.55},{"sentences":[{"text":"But, yeah, after that, you know, you you get to a stage where you wanna we call it blooming, but you wanna hang up your boots.","start":2174.79,"end":2180.71,"sentiment":"neutral","sentiment_score":0.09522205462249425},{"text":"You call it there.","start":2180.71,"end":2181.51,"sentiment":"neutral","sentiment_score":0.12543919123709202},{"text":"You start leveraging.","start":2181.51,"end":2182.47,"sentiment":"neutral","sentiment_score":0.09577896849562724},{"text":"You borrow money, borrow money, and do the same strategy with the $10 and OPM I've said before, but you do it for other reasons.","start":2182.47,"end":2189.325,"sentiment":"neutral","sentiment_score":0.058628007769584656},{"text":"You'd get a factory for commercial rental or you get a, you know, investment properties, a shared portfolio.","start":2189.325,"end":2196.385,"sentiment":"neutral","sentiment_score":0.12363284702102344}],"sentiment":"neutral","sentiment_score":0.09152577014787025,"num_words":76,"start":2174.79,"end":2196.385},{"sentences":[{"text":"You can start building that wealth up without actually crystallizing on any of those assets all the way up until your the yield and the income from the increase in the rent over time and, you know, the the portfolio growth in your shares, start paying more dividends, you can essentially you can essentially be, you know, fully self sufficient to have seen it happen in twelve years.","start":2196.685,"end":2218.925,"sentiment":"neutral","sentiment_score":0.16876728525933096},{"text":"But, you know, it's really shit.","start":2221.305,"end":2223.065,"sentiment":"neutral","sentiment_score":-0.2146974460532268},{"text":"That's it.","start":2223.065,"end":2223.885,"sentiment":"neutral","sentiment_score":-0.322312593460083},{"text":"Okay.","start":2228.78,"end":2229.18,"sentiment":"neutral","sentiment_score":-0.1080835908651352},{"text":"So $60 dead in the car.","start":2229.18,"end":2230.7,"sentiment":"neutral","sentiment_score":-0.20407199983795485}],"sentiment":"neutral","sentiment_score":0.09892590294580862,"num_words":83,"start":2196.685,"end":2230.7},{"sentences":[{"text":"You're giving me back to this car.","start":2230.7,"end":2232.14,"sentiment":"neutral","sentiment_score":-0.20104796120098659},{"text":"So and it was a you had it?","start":2232.14,"end":2234.32,"sentiment":"neutral","sentiment_score":-0.11755326576530933},{"text":"Okay.","start":2236.3,"end":2236.6199,"sentiment":"neutral","sentiment_score":-0.047396592795848846},{"text":"No.","start":2236.6199,"end":2236.86,"sentiment":"neutral","sentiment_score":-0.08780445158481598},{"text":"That's alright.","start":2236.86,"end":2237.34,"sentiment":"neutral","sentiment_score":-0.055284302681684494}],"sentiment":"neutral","sentiment_score":-0.1365016581196534,"num_words":19,"start":2230.7,"end":2237.34},{"sentences":[{"text":"Well, let's talk about the car.","start":2237.34,"end":2238.38,"sentiment":"neutral","sentiment_score":-0.014185687837501368},{"text":"What kind of what kind of car is it?","start":2238.38,"end":2240.06,"sentiment":"neutral","sentiment_score":-0.026736734641922846},{"text":"And what what do you so you owe $60 on it?","start":2240.06,"end":2242.86,"sentiment":"neutral","sentiment_score":-0.035626411268656906},{"text":"Or yep.","start":2242.86,"end":2250.835,"sentiment":"neutral","sentiment_score":-0.010214264504611492},{"text":"Thank you.","start":2253.375,"end":2254.1948,"sentiment":"neutral","sentiment_score":0.24742309749126434}],"sentiment":"neutral","sentiment_score":-0.008107253226141135,"num_words":30,"start":2237.34,"end":2254.1948},{"sentences":[{"text":"Yep.","start":2254.895,"end":2255.395,"sentiment":"neutral","sentiment_score":0.0640479102730751},{"text":"And what what do you think?","start":2256.255,"end":2257.795,"sentiment":"neutral","sentiment_score":0.009108914838482937},{"text":"No.","start":2258.88,"end":2259.2,"sentiment":"neutral","sentiment_score":-0.002581272274255753},{"text":"That's right.","start":2259.2,"end":2259.68,"sentiment":"neutral","sentiment_score":0.020087544806301594},{"text":"I used to have my my previous car was the Hilux Rogue.","start":2259.68,"end":2263.6199,"sentiment":"neutral","sentiment_score":0.08842951618134975}],"sentiment":"neutral","sentiment_score":0.055338609582659876,"num_words":22,"start":2254.895,"end":2263.6199},{"sentences":[{"text":"And, honestly, I love that thing.","start":2263.68,"end":2265.3599,"sentiment":"positive","sentiment_score":0.3823204959432284},{"text":"It was just amazing.","start":2265.3599,"end":2267.2,"sentiment":"positive","sentiment_score":0.3976086154580116},{"text":"It took you everywhere and never broke.","start":2267.2,"end":2268.7998,"sentiment":"positive","sentiment_score":0.522414756672723},{"text":"It was perfect.","start":2268.7998,"end":2269.7,"sentiment":"positive","sentiment_score":0.4724351366360982},{"text":"But so with that Toyota Hilux, what do you think the value is if you were to sell it on the market, secondary market right now?","start":2271.915,"end":2279.135,"sentiment":"neutral","sentiment_score":0.009513042437342497}],"sentiment":"neutral","sentiment_score":0.20012837494521038,"num_words":46,"start":2263.68,"end":2279.135},{"sentences":[{"text":"What do you think it's worth?","start":2279.2751,"end":2280.655,"sentiment":"neutral","sentiment_score":-0.004670602482898782},{"text":"You say 65?","start":2283.2798,"end":2284.5598,"sentiment":"neutral","sentiment_score":0.0005162969852487252},{"text":"Beautiful.","start":2284.5598,"end":2285.0598,"sentiment":"neutral","sentiment_score":0.15702161192893982},{"text":"Is Brandon still there?","start":2285.3599,"end":2286.4,"sentiment":"neutral","sentiment_score":0.031151005066931248},{"text":"Would you say 65 too?","start":2286.4,"end":2287.94,"sentiment":"neutral","sentiment_score":0.004634551517665386}],"sentiment":"neutral","sentiment_score":0.014648613991755011,"num_words":19,"start":2279.2751,"end":2287.94},{"sentences":[{"text":"Or okay.","start":2290.23,"end":2291.0598,"sentiment":"neutral","sentiment_score":0.04272354394197464},{"text":"Yep.","start":2295.135,"end":2295.295,"sentiment":"neutral","sentiment_score":0.10372134298086166},{"text":"Yep.","start":2295.295,"end":2295.695,"sentiment":"neutral","sentiment_score":0.194392129778862},{"text":"Beautiful.","start":2295.695,"end":2296.195,"sentiment":"positive","sentiment_score":0.6610770225524902},{"text":"So the Hilux and you've got that primary place of residence.","start":2296.335,"end":2299.055,"sentiment":"neutral","sentiment_score":0.196007716384801}],"sentiment":"neutral","sentiment_score":0.20004515396431088,"num_words":16,"start":2290.23,"end":2299.055},{"sentences":[{"text":"How much are the repayments on that per month?","start":2299.055,"end":2301.135,"sentiment":"neutral","sentiment_score":0.04193351728220781},{"text":"Or Both.","start":2301.135,"end":2305.215,"sentiment":"neutral","sentiment_score":0.015088644344359636},{"text":"Yes.","start":2305.215,"end":2305.535,"sentiment":"neutral","sentiment_score":0.02199377678334713},{"text":"I was talking about the car first.","start":2305.535,"end":2307.235,"sentiment":"neutral","sentiment_score":0.011360603783811842},{"text":"Mhmm.","start":2309.135,"end":2309.635,"sentiment":"neutral","sentiment_score":0.01255999505519867}],"sentiment":"neutral","sentiment_score":0.026082847127690913,"num_words":20,"start":2299.055,"end":2309.635},{"sentences":[{"text":"300 and $3 per week.","start":2316.81,"end":2318.6501,"sentiment":"neutral","sentiment_score":0.02455675844103098},{"text":"Beautiful.","start":2318.6501,"end":2319.05,"sentiment":"positive","sentiment_score":0.45557183027267456},{"text":"And what are your payments on your property?","start":2319.05,"end":2320.73,"sentiment":"neutral","sentiment_score":0.06902351416647434},{"text":"Do you know what the interest rate is?","start":2320.73,"end":2322.4102,"sentiment":"neutral","sentiment_score":0.01599854661617428},{"text":"Or Mhmm.","start":2322.4102,"end":2333.695,"sentiment":"neutral","sentiment_score":0.003027866827324033}],"sentiment":"neutral","sentiment_score":0.0526911600997361,"num_words":24,"start":2316.81,"end":2333.695},{"sentences":[{"text":"Correct.","start":2340.23,"end":2340.73,"sentiment":"neutral","sentiment_score":0.0070544760674238205},{"text":"That's why I'm asking.","start":2340.87,"end":2342.01,"sentiment":"neutral","sentiment_score":-0.05392991937696934},{"text":"No.","start":2344.95,"end":2345.35,"sentiment":"neutral","sentiment_score":-0.23710307478904724},{"text":"That's not.","start":2345.35,"end":2345.99,"sentiment":"neutral","sentiment_score":-0.3128693699836731},{"text":"Baby dump.","start":2345.99,"end":2347.05,"sentiment":"neutral","sentiment_score":-0.27872684597969055}],"sentiment":"neutral","sentiment_score":-0.1628960708156228,"num_words":10,"start":2340.23,"end":2347.05},{"sentences":[{"text":"Yep.","start":2360.725,"end":2361.225,"sentiment":"neutral","sentiment_score":0.022731352597475052},{"text":"6.39%.","start":2361.365,"end":2363.225,"sentiment":"neutral","sentiment_score":0.03540826961398125},{"text":"Beautiful.","start":2364.165,"end":2364.665,"sentiment":"neutral","sentiment_score":0.26470452547073364},{"text":"And what's your address?","start":2365.0452,"end":2366.425,"sentiment":"neutral","sentiment_score":0.04364827089011669},{"text":"I think Maddie might have wrote it down in our CRM, but I'm not too four eight nine and how do I spell that?","start":2366.94,"end":2377.1199,"sentiment":"neutral","sentiment_score":0.005763329080461214}],"sentiment":"neutral","sentiment_score":0.020508294489475026,"num_words":31,"start":2360.725,"end":2377.1199},{"sentences":[{"text":"Holly Street, beautiful suburb.","start":2381.6548,"end":2383.595,"sentiment":"neutral","sentiment_score":0.09241024404764175},{"text":"Pulte Pub.","start":2387.4949,"end":2388.3948,"sentiment":"neutral","sentiment_score":0.07238001748919487},{"text":"Beautiful.","start":2388.4548,"end":2388.9548,"sentiment":"positive","sentiment_score":0.536037027835846},{"text":"Amazing.","start":2391.83,"end":2392.33,"sentiment":"positive","sentiment_score":0.4854499399662018},{"text":"Okay.","start":2392.55,"end":2392.95,"sentiment":"neutral","sentiment_score":0.1464928388595581}],"sentiment":"neutral","sentiment_score":0.18693120198117363,"num_words":9,"start":2381.6548,"end":2392.95},{"sentences":[{"text":"And, yeah, just going back onto the what your mortgage broker said, you've essentially got $250,000 worth of equity in your home at the moment.","start":2392.95,"end":2402.73,"sentiment":"neutral","sentiment_score":0.023821009546518324},{"text":"Yeah.","start":2405.105,"end":2405.345,"sentiment":"neutral","sentiment_score":0.006220629438757896},{"text":"So so you don't really if it's worth 750,000, you don't want to kind of leverage more than 80% of the value of the property because then you initiate loan mortgage insurance, which means your payments go up.","start":2405.345,"end":2419.54,"sentiment":"neutral","sentiment_score":-0.020007237620455653},{"text":"K?","start":2419.68,"end":2420.0,"sentiment":"neutral","sentiment_score":0.0034486986696720123},{"text":"So if I take 750,000, I'm gonna put 0.8.","start":2420.0,"end":2423.54,"sentiment":"neutral","sentiment_score":0.014110613407360183}],"sentiment":"neutral","sentiment_score":-0.0003795262451308805,"num_words":74,"start":2392.95,"end":2423.54},{"sentences":[{"text":"So that's 600,000 and a minus the $4.90.","start":2423.68,"end":2426.98,"sentiment":"neutral","sentiment_score":0.02142499154433608},{"text":"So you should have, just number wise, depending on, obviously, your occupations and your roles, you should have about a $110,000 worth of leeway that you could essentially refinance and consolidate that that car loan into that mortgage without initiating LMI.","start":2428.8,"end":2447.77,"sentiment":"neutral","sentiment_score":0.061734567634852196},{"text":"It does increase your mortgage and will increase your repayment a little bit, but I'm I can almost guarantee that it will not be increase your payments more than the 303 per week you're paying at the moment.","start":2447.83,"end":2460.17,"sentiment":"neutral","sentiment_score":0.042192223334783},{"text":"No.","start":2467.565,"end":2468.065,"sentiment":"neutral","sentiment_score":-0.32468026876449585},{"text":"Not particularly because the interest that you're paying on your Toyota Harlock is, I would assume, somewhere around the 10 to 12% or seven to 10%, somewhere like that.","start":2468.125,"end":2478.7,"sentiment":"neutral","sentiment_score":-0.1956374379324502}],"sentiment":"neutral","sentiment_score":-0.014464480997437341,"num_words":117,"start":2423.68,"end":2478.7},{"sentences":[{"text":"Or Okay.","start":2478.7,"end":2493.885,"sentiment":"neutral","sentiment_score":-0.022150295786559582},{"text":"You just wanna say 9%?","start":2493.885,"end":2495.5051,"sentiment":"neutral","sentiment_score":-0.01955163087695837},{"text":"So if you're looking at increase have you refinance and you were able to do it, I don't know.","start":2498.045,"end":2504.2798,"sentiment":"neutral","sentiment_score":-0.08296537536539529},{"text":"I'm not too sure.","start":2504.2798,"end":2505.26,"sentiment":"neutral","sentiment_score":-0.20578784495592117},{"text":"And so we do all the numbers, but if you were to re if you were to consolidate that debt into the mortgage, you essentially, you're right.","start":2506.0398,"end":2516.135,"sentiment":"neutral","sentiment_score":-0.04769614545835389}],"sentiment":"neutral","sentiment_score":-0.0671815471070116,"num_words":57,"start":2478.7,"end":2516.135},{"sentences":[{"text":"You do pay more interest over time.","start":2516.135,"end":2518.475,"sentiment":"neutral","sentiment_score":0.024077323930604116},{"text":"But if you'd look doing apples for apples over a three or five year term, whatever your loan is for your car, you're paying significantly less on that same $57,000 worth of loan over that five years than you are at the moment.","start":2518.5352,"end":2533.3198,"sentiment":"neutral","sentiment_score":-0.15638729600712312},{"text":"And it opens up your cash flow.","start":2533.46,"end":2535.14,"sentiment":"neutral","sentiment_score":-0.05574883254511016},{"text":"So if you're really concerned about it, they should say then you offset.","start":2535.14,"end":2542.735,"sentiment":"neutral","sentiment_score":-0.30696619789187723},{"text":"Exactly.","start":2543.675,"end":2544.175,"sentiment":"neutral","sentiment_score":0.09279494732618332}],"sentiment":"neutral","sentiment_score":-0.15273408329402896,"num_words":71,"start":2516.135,"end":2544.175},{"sentences":[{"text":"You can off you can offset the interest charge by utilizing an offset account.","start":2544.395,"end":2549.2751,"sentiment":"neutral","sentiment_score":0.08390495447175843},{"text":"Do you have an offset account on your primary place of residence?","start":2549.2751,"end":2552.2551,"sentiment":"neutral","sentiment_score":0.02751222314933936},{"text":"So you do happen to offset account?","start":2576.385,"end":2578.465,"sentiment":"neutral","sentiment_score":-0.03185163385101727},{"text":"Or Yeah.","start":2578.465,"end":2585.42,"sentiment":"neutral","sentiment_score":-0.020589644089341164},{"text":"Okay.","start":2585.42,"end":2585.92,"sentiment":"neutral","sentiment_score":0.07247188687324524}],"sentiment":"neutral","sentiment_score":0.036476311170392565,"num_words":36,"start":2544.395,"end":2585.92},{"sentences":[{"text":"So I would definitely be looking at that because that that money, that $350 a week or fortnight, you said, was it a week or a fortnight?","start":2586.3,"end":2596.8,"sentiment":"neutral","sentiment_score":0.041489835242154424},{"text":"So that $350 a fortnight is gonna work a lot harder for you and Brendan.","start":2598.925,"end":2605.025,"sentiment":"neutral","sentiment_score":-0.3252705097198486},{"text":"Brandon, should I say?","start":2605.405,"end":2606.765,"sentiment":"neutral","sentiment_score":-0.054841394536197186},{"text":"Is it Brendan?","start":2606.765,"end":2607.4849,"sentiment":"neutral","sentiment_score":-0.022200569820900757},{"text":"Brendan.","start":2607.4849,"end":2607.9648,"sentiment":"neutral","sentiment_score":-0.017141809687018394}],"sentiment":"neutral","sentiment_score":-0.08123882383108139,"num_words":50,"start":2586.3,"end":2607.9648},{"sentences":[{"text":"Right?","start":2607.9648,"end":2608.4648,"sentiment":"neutral","sentiment_score":-0.008749527856707573},{"text":"Brendan.","start":2608.605,"end":2609.105,"sentiment":"neutral","sentiment_score":-0.02558359131217003},{"text":"So that'll work a lot harder for yourself and Brendan.","start":2609.325,"end":2612.065,"sentiment":"neutral","sentiment_score":-0.21005475297570228},{"text":"Sitting in offset and offsetting that interest charge of, you know, 6.39% than sitting in a cash bank account that is getting the cash rate less fees, less inflation, which is about the cash rate at the moment anyway.","start":2612.67,"end":2626.5898,"sentiment":"neutral","sentiment_score":-0.15738810140352982},{"text":"So you're going you're losing you're you're losing value on every dollar you hold in cash.","start":2626.5898,"end":2631.445,"sentiment":"neutral","sentiment_score":-0.32965909224003553}],"sentiment":"neutral","sentiment_score":-0.2022024190970766,"num_words":67,"start":2607.9648,"end":2631.445},{"sentences":[{"text":"Yep.","start":2644.88,"end":2645.04,"sentiment":"neutral","sentiment_score":0.10771076381206512},{"text":"Yep.","start":2645.04,"end":2645.36,"sentiment":"neutral","sentiment_score":0.11223988234996796},{"text":"And there's lots of different products out there that your mortgage broker will be able to discuss with you regarding different linking accounts.","start":2645.36,"end":2652.0,"sentiment":"neutral","sentiment_score":0.12142857973990233},{"text":"If that's a product that you're interested in to link up a whole bunch of different accounts to one one loan, you can definitely get products out there on the market that do that.","start":2652.0,"end":2660.805,"sentiment":"neutral","sentiment_score":0.15469829058822462},{"text":"Beautiful.","start":2663.345,"end":2663.845,"sentiment":"positive","sentiment_score":0.6974941492080688}],"sentiment":"neutral","sentiment_score":0.14950073348979157,"num_words":60,"start":2644.88,"end":2663.845},{"sentences":[{"text":"Amazing.","start":2664.465,"end":2664.965,"sentiment":"positive","sentiment_score":0.6369771361351013},{"text":"So, yeah, that's definitely something that you should get onto sooner rather than later, preferably.","start":2665.185,"end":2671.73,"sentiment":"neutral","sentiment_score":0.2829139451185862},{"text":"Is it appreciated in value?","start":2683.035,"end":2684.815,"sentiment":"neutral","sentiment_score":-0.05790120512247086},{"text":"Yeah.","start":2686.075,"end":2686.395,"sentiment":"neutral","sentiment_score":0.008792774751782417},{"text":"So absolutely, it's a good idea.","start":2686.395,"end":2688.255,"sentiment":"neutral","sentiment_score":0.22346244131525358}],"sentiment":"neutral","sentiment_score":0.21216956106945872,"num_words":28,"start":2664.465,"end":2688.255},{"sentences":[{"text":"Well, you're gonna have to take that off of your services called Serviceability.","start":2699.04,"end":2702.6602,"sentiment":"neutral","sentiment_score":-0.24724875333217475},{"text":"You're gonna have to take that loan of, what, 57,000 off your Serviceability.","start":2702.96,"end":2708.6602,"sentiment":"neutral","sentiment_score":-0.051868718332396105},{"text":"So if you have it it's gonna be better financially.","start":2709.12,"end":2712.26,"sentiment":"neutral","sentiment_score":0.2356669932603836},{"text":"Just I don't know a 100% because I lost I haven't done the numbers yet.","start":2713.965,"end":2717.905,"sentiment":"neutral","sentiment_score":-0.2568475802739461},{"text":"So, you know, just keep that in mind.","start":2718.2852,"end":2720.465,"sentiment":"neutral","sentiment_score":-0.01575898379087448}],"sentiment":"neutral","sentiment_score":-0.09340072497409785,"num_words":59,"start":2699.04,"end":2720.465},{"sentences":[{"text":"But just by doing this for a while and, you know, looking at your situation, I would assume that it's it's gonna be by five that same five or four year term of a car loan.","start":2720.685,"end":2732.76,"sentiment":"neutral","sentiment_score":0.08172140011770858},{"text":"It can be a lot more a lot more beneficial for you to consolidate all that debt into a non into a appreciating asset, not a deep appreciating asset, that's almost half the interest rates on the same dollars that you're paying, and it's actually in something that's growing in value instead of a nondeductible interest charge that you're paying on an asset that depreciate in value.","start":2732.76,"end":2759.98,"sentiment":"neutral","sentiment_score":0.28500481472531364},{"text":"Okay?","start":2760.36,"end":2760.86,"sentiment":"neutral","sentiment_score":0.12356112897396088},{"text":"Yeah.","start":2761.8,"end":2762.1199,"sentiment":"neutral","sentiment_score":0.1914469599723816},{"text":"So that's something you should definitely look at.","start":2762.1199,"end":2763.96,"sentiment":"neutral","sentiment_score":0.3070102259516716}],"sentiment":"neutral","sentiment_score":0.2195432113928605,"num_words":113,"start":2720.685,"end":2763.96},{"sentences":[{"text":"But once you kinda get in on top of that and you start, then you will essentially not have enough to put down as a refinance to equity release and then purchase investment property.","start":2763.96,"end":2774.535,"sentiment":"neutral","sentiment_score":0.165815819054842},{"text":"But at least it gives you an idea of how quickly you can pay loans off.","start":2774.535,"end":2778.715,"sentiment":"neutral","sentiment_score":0.28380512073636055},{"text":"And we can do all those numbers and give you recommendations on that as well.","start":2778.775,"end":2782.475,"sentiment":"neutral","sentiment_score":0.20678781270980834},{"text":"Okay?","start":2784.5798,"end":2785.0798,"sentiment":"neutral","sentiment_score":0.0970584750175476},{"text":"So this is kind of how we build a relationship and, you know, stay stay working with clients all the way up until they call it a day.","start":2785.14,"end":2793.5598,"sentiment":"neutral","sentiment_score":0.20011463867766516}],"sentiment":"neutral","sentiment_score":0.20192239710942228,"num_words":94,"start":2763.96,"end":2793.5598},{"sentences":[{"text":"And we still carry on cracking up, I guess.","start":2793.6199,"end":2795.97,"sentiment":"neutral","sentiment_score":0.11644457446204291},{"text":"But that that does that kinda give you an idea of the whole diversification branch, not using other people's money and kind of looking at smarter ways to to make your money work harder for you.","start":2797.955,"end":2808.695,"sentiment":"neutral","sentiment_score":0.15540926463695037},{"text":"Perfect.","start":2811.89,"end":2812.2898,"sentiment":"positive","sentiment_score":0.4367855191230774},{"text":"I mean, all systems based on you know, that that mortgage that you're paying 6.39 on for your home, you borrowed that from a bank.","start":2812.2898,"end":2820.69,"sentiment":"neutral","sentiment_score":0.11527396857738495},{"text":"Right?","start":2820.69,"end":2821.19,"sentiment":"neutral","sentiment_score":0.07486899197101593}],"sentiment":"neutral","sentiment_score":0.13939220031412938,"num_words":72,"start":2793.6199,"end":2821.19},{"sentences":[{"text":"And that bank borrowed that from the Federal Reserve, and they've gotta pay that back at a at a another interest rate, which is called the cash rate.","start":2823.1448,"end":2831.2449,"sentiment":"neutral","sentiment_score":0.057449779473245144},{"text":"So it was just 4.35 at the moment.","start":2831.625,"end":2834.1848,"sentiment":"neutral","sentiment_score":-0.006577076739631593},{"text":"So, you know, it's the money that you borrowed from the bank, they borrowed themselves.","start":2834.1848,"end":2838.64,"sentiment":"neutral","sentiment_score":-0.003352947471042474},{"text":"So that's kinda the chain along the way.","start":2839.0999,"end":2842.0,"sentiment":"neutral","sentiment_score":0.08944364683702588},{"text":"But, essentially, after that, once you once we get you to the position of your goals and objective, which I'll confirm in a bit, but then we start looking at really wonderful ways to crystallize on those assets and not pay anywhere near as much tax as you you should.","start":2842.06,"end":2857.3052,"sentiment":"neutral","sentiment_score":0.3019994850456715}],"sentiment":"neutral","sentiment_score":0.15891015069952252,"num_words":109,"start":2823.1448,"end":2857.3052},{"sentences":[{"text":"And that's that's things like cost structure, social security strategy, self managed super funds or something as well.","start":2857.3052,"end":2862.8452,"sentiment":"neutral","sentiment_score":0.2632973293463389},{"text":"Key to us, and then you can call it a day and retire and file.","start":2863.0598,"end":2865.96,"sentiment":"positive","sentiment_score":0.36845264037450154},{"text":"And look at intergenerational wealth, which is what we call ceding.","start":2866.8198,"end":2870.0999,"sentiment":"neutral","sentiment_score":0.25343508341095666},{"text":"And then the loop starts again for your kids.","start":2870.0999,"end":2872.52,"sentiment":"neutral","sentiment_score":0.16622974309656355},{"text":"So does that does that kinda make sense in terms of the whole world cycle thing?","start":2874.42,"end":2878.815,"sentiment":"neutral","sentiment_score":0.15469882357865572}],"sentiment":"neutral","sentiment_score":0.24674168574637262,"num_words":69,"start":2857.3052,"end":2878.815},{"sentences":[{"text":"Perfect.","start":2881.295,"end":2881.795,"sentiment":"positive","sentiment_score":0.7379995584487915},{"text":"Amazing.","start":2882.015,"end":2882.515,"sentiment":"positive","sentiment_score":0.6618226170539856},{"text":"But we'd all start with looking at those insurances.","start":2882.7349,"end":2885.635,"sentiment":"neutral","sentiment_score":0.23874805536535051},{"text":"And then, you know, after we do that, if it's appropriate, we'd look at those superannuation, give you a recommendation on that as well if you wanted to.","start":2885.855,"end":2892.835,"sentiment":"neutral","sentiment_score":0.20303262237991607},{"text":"Amazing.","start":2895.37,"end":2895.87,"sentiment":"positive","sentiment_score":0.5003578066825867}],"sentiment":"neutral","sentiment_score":0.2433456476777792,"num_words":40,"start":2881.295,"end":2895.87},{"sentences":[{"text":"Next couple pages is pretty much our story between myself and my business partner on number four of page five, I think, but page four.","start":2896.01,"end":2904.83,"sentiment":"neutral","sentiment_score":0.1286169946193695},{"text":"Meet our experienced team, that's myself, Severiano Zaza, and Sebi's other, but, you know, Sebi's a lot easier.","start":2906.01,"end":2912.605,"sentiment":"neutral","sentiment_score":0.19861218871341813},{"text":"I didn't have a choice in the matter.","start":2912.605,"end":2914.145,"sentiment":"neutral","sentiment_score":-0.03346891731780488},{"text":"It just came up.","start":2914.205,"end":2915.265,"sentiment":"neutral","sentiment_score":0.019853915087878704},{"text":"What they gave me, my credentials, and a little bit of a blurb about how awesome they are.","start":2915.885,"end":2919.805,"sentiment":"positive","sentiment_score":0.5043821707367897}],"sentiment":"neutral","sentiment_score":0.2148080501013295,"num_words":73,"start":2896.01,"end":2919.805},{"sentences":[{"text":"Feel free to leave me your own time.","start":2919.805,"end":2921.5051,"sentiment":"positive","sentiment_score":0.36412714421749115},{"text":"My business partner, and the rest of our experienced team.","start":2922.32,"end":2925.06,"sentiment":"neutral","sentiment_score":0.27598722130060194},{"text":"And at the end of the document, there's a little bit more about Occhio Australia, which is just a link between, you know, financial planning, mortgage broker, you know, lending services, and accounting.","start":2925.6,"end":2937.595,"sentiment":"neutral","sentiment_score":0.15925689002103877},{"text":"So there's nothing worse than recommending client server to somebody else that, you know, doesn't they drop the ball or don't service you as a client in their own, you know, in their own expertise?","start":2937.7349,"end":2949.51,"sentiment":"negative","sentiment_score":-0.39393345160143717},{"text":"It just looks bad on me.","start":2949.65,"end":2951.19,"sentiment":"negative","sentiment_score":-0.5404945661624273}],"sentiment":"neutral","sentiment_score":-0.06632903766939821,"num_words":92,"start":2919.805,"end":2951.19},{"sentences":[{"text":"Right?","start":2951.8098,"end":2952.21,"sentiment":"neutral","sentiment_score":-0.11251632869243622},{"text":"So so that's why we create I work with a close knit network.","start":2952.21,"end":2955.91,"sentiment":"neutral","sentiment_score":0.20134928249395811},{"text":"So if we speak to your mortgage broker, I would I would want them to be a part of this nice little network They remain.","start":2955.97,"end":2962.775,"sentiment":"neutral","sentiment_score":0.18849442958831786},{"text":"But that's a little bit more about us.","start":2962.9949,"end":2964.835,"sentiment":"neutral","sentiment_score":-0.0035571977496147156},{"text":"And looking at the file, the last thing I need to go through is the financial services guide, and they will just gather some further information about you, and then we're done.","start":2964.835,"end":2973.095,"sentiment":"neutral","sentiment_score":0.04025837394874543}],"sentiment":"neutral","sentiment_score":0.10730627174430256,"num_words":79,"start":2951.8098,"end":2973.095},{"sentences":[{"text":"K?","start":2973.155,"end":2973.655,"sentiment":"neutral","sentiment_score":0.03182879090309143},{"text":"Amazing.","start":2975.52,"end":2976.0,"sentiment":"positive","sentiment_score":0.453205943107605},{"text":"So the second document in that email that I sent out is the Oakview financial services guide.","start":2976.0,"end":2983.06,"sentiment":"neutral","sentiment_score":0.181681888506693},{"text":"Now this is a little bit more about fees and everything else.","start":2983.52,"end":2986.1802,"sentiment":"neutral","sentiment_score":0.02663480956107378},{"text":"And this is mostly the compliance, so I'll try and get through it as quick as possible.","start":2987.865,"end":2992.605,"sentiment":"neutral","sentiment_score":0.13624547115143607}],"sentiment":"neutral","sentiment_score":0.129362865894412,"num_words":48,"start":2973.155,"end":2992.605},{"sentences":[{"text":"But, essentially, this is us, IP Financial, all the same details as before.","start":2992.985,"end":2997.645,"sentiment":"neutral","sentiment_score":0.1089798527268263},{"text":"The purpose of this FSG on the next page, are you looking at we'll go through each step.","start":2998.745,"end":3003.9,"sentiment":"neutral","sentiment_score":0.0803737309243944},{"text":"So number one, number two, number three.","start":3003.9,"end":3005.8398,"sentiment":"neutral","sentiment_score":0.03357912466994354},{"text":"Are you look are you on that page yet?","start":3006.54,"end":3008.6199,"sentiment":"neutral","sentiment_score":0.016674014636211924},{"text":"Or amazing.","start":3008.6199,"end":3010.78,"sentiment":"neutral","sentiment_score":0.1883439254015684}],"sentiment":"neutral","sentiment_score":0.07398516525115285,"num_words":49,"start":2992.985,"end":3010.78},{"sentences":[{"text":"So the purpose of this FSG is just to make sure that you know that I'm authorized or we are authorized to give personalized financial advice.","start":3010.78,"end":3017.44,"sentiment":"neutral","sentiment_score":0.10947198048233986},{"text":"How we're paid, any sort of conflicts, and what to do if I run away with your money, essentially.","start":3018.335,"end":3024.275,"sentiment":"neutral","sentiment_score":-0.06324092984983795},{"text":"So we, as IP Financial, who we are, we essentially run our own Australian financial services license, which means that we are we don't have anyone above us other than the Australian Securities and Investment Commission and the federal government that tells us what to do.","start":3025.375,"end":3041.7,"sentiment":"neutral","sentiment_score":0.03920403276772603},{"text":"So, usually, you know have you ever looked into, you know, Sky let's say Sky Wealth you were talking about?","start":3042.0798,"end":3049.255,"sentiment":"neutral","sentiment_score":-0.008432385575724765},{"text":"Was that was that the firm that you're talking about before for the okay.","start":3049.555,"end":3056.135,"sentiment":"neutral","sentiment_score":-0.04621836223772594}],"sentiment":"neutral","sentiment_score":0.02105899639893323,"num_words":125,"start":3010.78,"end":3056.135},{"sentences":[{"text":"So Sky Financial, they are based on the Gold Coast Financial Advisors.","start":3056.355,"end":3062.1902,"sentiment":"neutral","sentiment_score":0.006621585615600149},{"text":"We just do a quick Google search.","start":3062.49,"end":3064.35,"sentiment":"neutral","sentiment_score":0.025581663474440575},{"text":"So Sky Financial Advisors look.","start":3064.49,"end":3069.1501,"sentiment":"neutral","sentiment_score":0.014797767996788025},{"text":"Yep.","start":3070.57,"end":3070.97,"sentiment":"neutral","sentiment_score":-0.013496759347617626},{"text":"So they're essentially if I just grab their their website and I come down underneath to the bottom of their page on their disclaimer, they essentially what Link Wealth Group Proprietary Limited trading as Sky Advisors is an authorized representative of Acumen Financial Plan.","start":3070.97,"end":3089.725,"sentiment":"neutral","sentiment_score":0.05318542726507241}],"sentiment":"neutral","sentiment_score":0.03853886307257673,"num_words":69,"start":3056.355,"end":3089.725},{"sentences":[{"text":"Right?","start":3090.3,"end":3090.46,"sentiment":"neutral","sentiment_score":0.04587706923484802},{"text":"So so that Sky Financial or Sky Advisors, they are working as what's called an authorized representative of an AFSO, an Australian Financial Services license.","start":3090.46,"end":3102.48,"sentiment":"neutral","sentiment_score":0.09683542415499687},{"text":"We at OJU run our own license.","start":3103.355,"end":3105.295,"sentiment":"neutral","sentiment_score":0.11497004543031965},{"text":"So we don't have we don't have somebody like Acumen, for example, financial planning about us, telling us what products we need to recommend or, you know, anything like that.","start":3105.835,"end":3115.035,"sentiment":"neutral","sentiment_score":0.02369604674167931},{"text":"We've got the freedom to we got awarded that.","start":3115.035,"end":3117.48,"sentiment":"positive","sentiment_score":0.36806606584125096}],"sentiment":"neutral","sentiment_score":0.10131984702699508,"num_words":72,"start":3090.3,"end":3117.48},{"sentences":[{"text":"ASIC awarded us with our own financial license, which the likes of the big banks and insurance companies have.","start":3117.56,"end":3123.8,"sentiment":"positive","sentiment_score":0.3663538380673057},{"text":"So we can we can pretty much get advice on a lot across the entire scope.","start":3123.8,"end":3127.4,"sentiment":"positive","sentiment_score":0.5158864762634039},{"text":"It doesn't bother us.","start":3127.4,"end":3128.6199,"sentiment":"positive","sentiment_score":0.4059784337878227},{"text":"So that gives you an idea of making sure that we look for the right product for our clients.","start":3129.32,"end":3134.145,"sentiment":"positive","sentiment_score":0.5216660640741649},{"text":"And our Australian Financial Services license number is 513068.","start":3134.605,"end":3139.7449,"sentiment":"neutral","sentiment_score":0.13110429793596268}],"sentiment":"positive","sentiment_score":0.41687185339518446,"num_words":67,"start":3117.56,"end":3139.7449},{"sentences":[{"text":"Okay?","start":3140.205,"end":3140.705,"sentiment":"neutral","sentiment_score":0.07942542433738708},{"text":"Lack of independence.","start":3142.285,"end":3143.185,"sentiment":"neutral","sentiment_score":-0.2563456694285075},{"text":"We can't say that we're independent or unbiased or impartial.","start":3143.325,"end":3146.63,"sentiment":"neutral","sentiment_score":-0.12993087545037268},{"text":"The reason for that is because even though we run our own license, we have ASIC above us.","start":3146.8499,"end":3151.8098,"sentiment":"neutral","sentiment_score":0.058147823645008936},{"text":"So it's just part of the regulations in the corporations act.","start":3151.8098,"end":3155.0898,"sentiment":"neutral","sentiment_score":0.0260856148194183}],"sentiment":"neutral","sentiment_score":-0.015239947670420934,"num_words":43,"start":3140.205,"end":3155.0898},{"sentences":[{"text":"I mean, make sure that's it.","start":3155.0898,"end":3156.3699,"sentiment":"neutral","sentiment_score":0.06310009149213631},{"text":"But on page four, the services we provide, we can I just broke it down very simply there between deposit payment products, government debentures, stocks and bonds, life insurances, that's where you're in, and all the rest, all the way down to super?","start":3156.3699,"end":3171.135,"sentiment":"neutral","sentiment_score":0.18392670206552328},{"text":"That's all on our approved product list.","start":3171.355,"end":3173.2751,"sentiment":"neutral","sentiment_score":0.2559916377067566},{"text":"But our APL, we can have been directed and, you know, been qualified and the degrees that I've got and all the bits and pieces that asset likes to see.","start":3173.2751,"end":3183.68,"sentiment":"neutral","sentiment_score":0.32990502268075944},{"text":"You know, we can we can essentially recommend any products on the planet and any sort of strategy.","start":3184.94,"end":3189.44,"sentiment":"positive","sentiment_score":0.5650900469885932}],"sentiment":"neutral","sentiment_score":0.2898861704609142,"num_words":104,"start":3155.0898,"end":3189.44},{"sentences":[{"text":"I've got some qualifications too.","start":3189.9,"end":3191.475,"sentiment":"positive","sentiment_score":0.4350942552089691},{"text":"So to give you a little bit of peace of mind.","start":3191.475,"end":3193.415,"sentiment":"positive","sentiment_score":0.40288198671557685},{"text":"The way that we kind of provide our advice, that's number five, is we go through this initial contact, understand your information, and get your goals, your risk profile, and show you a bit about us.","start":3194.195,"end":3205.42,"sentiment":"neutral","sentiment_score":0.1544206307993995},{"text":"After that, we're booking some time, another two weeks or so, to give you our recommendation.","start":3205.5598,"end":3209.8198,"sentiment":"neutral","sentiment_score":0.15437487745657563},{"text":"And from there, you say you can say yay or nay.","start":3210.3599,"end":3214.5398,"sentiment":"neutral","sentiment_score":0.01953105509958484}],"sentiment":"neutral","sentiment_score":0.1879893099252559,"num_words":79,"start":3189.9,"end":3214.5398},{"sentences":[{"text":"Essentially, you you can say, no.","start":3214.5999,"end":3216.865,"sentiment":"neutral","sentiment_score":-0.1544409766793251},{"text":"I don't like this.","start":3216.865,"end":3217.665,"sentiment":"negative","sentiment_score":-0.48080338537693024},{"text":"Go away.","start":3217.665,"end":3218.0652,"sentiment":"negative","sentiment_score":-0.4188304543495178},{"text":"And we don't charge you anything because you're in the insurance, the root stage of the advice stage.","start":3218.0652,"end":3223.365,"sentiment":"neutral","sentiment_score":0.060102048640449844},{"text":"Or you like what we propose and it suits your needs, and we can show you how you're tracking for retirement.","start":3225.2651,"end":3232.05,"sentiment":"positive","sentiment_score":0.41954553978783743}],"sentiment":"neutral","sentiment_score":0.12166221374097992,"num_words":51,"start":3214.5999,"end":3232.05},{"sentences":[{"text":"And then from there, what we'll do is you'll give us authority to proceed, the consent to move forward.","start":3232.67,"end":3237.8901,"sentiment":"neutral","sentiment_score":0.24154587874287053},{"text":"And after that, we will implement everything for you and get paid by the insurance company if you're only looking at insurances.","start":3238.11,"end":3243.6501,"sentiment":"neutral","sentiment_score":0.30449906804344873},{"text":"And then we keep you on track.","start":3244.575,"end":3245.775,"sentiment":"positive","sentiment_score":0.43758013418742586},{"text":"We catch up every quarter and then every twelve months.","start":3245.775,"end":3248.275,"sentiment":"neutral","sentiment_score":0.28050314337015153},{"text":"We review your needs.","start":3248.575,"end":3249.855,"sentiment":"neutral","sentiment_score":0.22903510183095932}],"sentiment":"neutral","sentiment_score":0.2914932898936733,"num_words":62,"start":3232.67,"end":3249.855},{"sentences":[{"text":"We review your debts, and we make sure that your insurances are adequate for your needs.","start":3249.855,"end":3254.755,"sentiment":"neutral","sentiment_score":0.24013129621744156},{"text":"Does that make cool.","start":3256.92,"end":3262.8398,"sentiment":"neutral","sentiment_score":0.3098297342658043},{"text":"Part of the fee and charges.","start":3262.8398,"end":3264.2998,"sentiment":"neutral","sentiment_score":0.08775300656755765},{"text":"So this is our fee structure.","start":3264.44,"end":3266.28,"sentiment":"neutral","sentiment_score":0.08281357089678447},{"text":"There's an upfront and an ongoing service fee.","start":3266.28,"end":3269.5798,"sentiment":"neutral","sentiment_score":0.05472295684739947}],"sentiment":"neutral","sentiment_score":0.16356506990268826,"num_words":40,"start":3249.855,"end":3269.5798},{"sentences":[{"text":"We the each stage is a little bit more complex than the neck.","start":3270.155,"end":3274.7349,"sentiment":"neutral","sentiment_score":0.0015225995045441848},{"text":"So we do charge a essentially, a letter of engagement charge, which is quite like the $450, you know, $450 Sky Wealth, I think it was SkyVis, whatever the workers you're talking about before.","start":3275.035,"end":3288.2202,"sentiment":"neutral","sentiment_score":0.06931996498914327},{"text":"They charge a it's it's to cover our expenses.","start":3289.8,"end":3292.3801,"sentiment":"neutral","sentiment_score":0.1052929303712315},{"text":"You know, my time and the lights, all the staff, the team, absolutely everything, as well as the preparation of the the documents.","start":3292.4402,"end":3299.045,"sentiment":"neutral","sentiment_score":0.1952690961568252},{"text":"It's a pretty you know, like, carpenters build a desk or build the frame of the house.","start":3299.045,"end":3304.005,"sentiment":"neutral","sentiment_score":0.13112162513767972}],"sentiment":"neutral","sentiment_score":0.10463089391123503,"num_words":96,"start":3270.155,"end":3304.005},{"sentences":[{"text":"This document's personalized to you.","start":3304.005,"end":3305.925,"sentiment":"neutral","sentiment_score":0.22134765163064002},{"text":"It's a it doesn't seem it doesn't look as big as a house, but when you're looking at 70 pages or up to 200 pages worth of work and, you know, weeks and sometimes even up to a month worth of planning and preparation, it it take care of the expense of it gets up there.","start":3305.925,"end":3322.1802,"sentiment":"neutral","sentiment_score":0.0022837764783097164},{"text":"So that's why for more complex strategies, we charge at the differently at different stages.","start":3323.205,"end":3328.5852,"sentiment":"neutral","sentiment_score":0.00987290112922589},{"text":"Because you are because you're in the root stage and, you know, bringing you on board as a client and making sure that we can show you our worth, we start with those the root section.","start":3329.125,"end":3340.25,"sentiment":"neutral","sentiment_score":0.3061590121231145},{"text":"And for that, it's complimentary for us to write this statement of advice, whether it'd be insurances, just superannuation, referring you over and looking after your accounting so we can do notice on the terms of claim and all these weird and wonderful things to get more tax back at the end of the day.","start":3340.25,"end":3355.5452,"sentiment":"positive","sentiment_score":0.4106849020177668}],"sentiment":"neutral","sentiment_score":0.20953363655860016,"num_words":167,"start":3304.005,"end":3355.5452},{"sentences":[{"text":"So it's good because we know how to spend our money better than the government does after five.","start":3355.5452,"end":3360.365,"sentiment":"positive","sentiment_score":0.4966227312882741},{"text":"So yeah.","start":3362.5051,"end":3363.0652,"sentiment":"positive","sentiment_score":0.3665655106306076},{"text":"But even if we do all three of those strategies and give you give you a recommendation on that, it's completely complimentary.","start":3363.0652,"end":3369.26,"sentiment":"positive","sentiment_score":0.532510521737012},{"text":"And then, yeah, we're pretty confident in our services.","start":3369.7202,"end":3372.6802,"sentiment":"positive","sentiment_score":0.6204251382086012},{"text":"So that's why we do that part for for a complimentary service.","start":3372.6802,"end":3376.6,"sentiment":"positive","sentiment_score":0.5211390182375908}],"sentiment":"positive","sentiment_score":0.5273820019903637,"num_words":63,"start":3355.5452,"end":3376.6},{"sentences":[{"text":"And then from there, we would charge once you're happy to proceed, we charge $4,950 out of the asset that we manage, which is like superannuation or investment portfolio.","start":3376.6,"end":3388.695,"sentiment":"neutral","sentiment_score":0.2236829880496551},{"text":"But because we're not, you know if we're just looking at insurances, we don't charge that out of your super, let's say.","start":3390.195,"end":3396.96,"sentiment":"neutral","sentiment_score":0.024649966952644965},{"text":"We we would just get paid 66% of whatever the insurance premium is.","start":3397.34,"end":3402.64,"sentiment":"neutral","sentiment_score":0.06198039421668419},{"text":"So let's say you've got a thousand dollar.","start":3402.78,"end":3405.2,"sentiment":"neutral","sentiment_score":0.09309787675738335},{"text":"Your your insurances that we recommend for you that you wanna go ahead with cost a thousand dollars, we would get paid $660 from the insurance company for that.","start":3405.835,"end":3414.2551,"sentiment":"neutral","sentiment_score":0.15663645647723098}],"sentiment":"neutral","sentiment_score":0.12992169607043413,"num_words":101,"start":3376.6,"end":3414.2551},{"sentences":[{"text":"Does that make sense?","start":3416.7952,"end":3418.0151,"sentiment":"neutral","sentiment_score":0.09426388703286648},{"text":"So usually so just just to reiterate, so usually, if we're looking at somebody at your agent stage with yourself mad yourself, Allison, and Brendon, and you're looking at getting started at the roots stage.","start":3424.78,"end":3437.925,"sentiment":"neutral","sentiment_score":-0.007250330224633217},{"text":"Alright?","start":3437.925,"end":3438.405,"sentiment":"neutral","sentiment_score":-0.0015658257761970162},{"text":"You you wanna get your super insurance and get that sorted out so you're growing for retirement, but at the same time, you're making sure you're protecting yourself and your family if something were to go wrong.","start":3438.405,"end":3449.07,"sentiment":"positive","sentiment_score":0.3457387335397102},{"text":"We look at that strategy.","start":3449.31,"end":3450.6902,"sentiment":"positive","sentiment_score":0.35436092019081117}],"sentiment":"neutral","sentiment_score":0.17909592568800534,"num_words":82,"start":3416.7952,"end":3450.6902},{"sentences":[{"text":"We don't charge any initial upfront cost.","start":3450.9102,"end":3455.25,"sentiment":"neutral","sentiment_score":0.18862199464014598},{"text":"Whereas if you've already got your super insurance to sort it out, and you're speaking to me about, you know, leveraging and getting investment portfolio and looking at investment property straight off the bat to draw up the statement of advice, which we're gonna present you the recommendations in.","start":3455.47,"end":3471.115,"sentiment":"neutral","sentiment_score":0.30691210286957876},{"text":"That's gonna cost $2,200 to get it started.","start":3471.1748,"end":3474.2349,"sentiment":"neutral","sentiment_score":0.1782567873597145},{"text":"Okay?","start":3476.2148,"end":3476.7148,"sentiment":"neutral","sentiment_score":0.03340597450733185},{"text":"Yep.","start":3482.83,"end":3483.33,"sentiment":"neutral","sentiment_score":0.03258557245135307}],"sentiment":"neutral","sentiment_score":0.2704711037716179,"num_words":66,"start":3450.9102,"end":3483.33},{"sentences":[{"text":"Yep.","start":3486.75,"end":3487.25,"sentiment":"neutral","sentiment_score":0.05067507550120354},{"text":"No.","start":3493.035,"end":3493.355,"sentiment":"neutral","sentiment_score":-0.1766042411327362},{"text":"So if we do not manage your super and only give a recommendation of insurances because we charge a upfront and ongoing fee.","start":3493.355,"end":3502.475,"sentiment":"neutral","sentiment_score":-0.0982375958043596},{"text":"So upfront fee of $4,950 out of the assets we manage.","start":3502.475,"end":3506.895,"sentiment":"neutral","sentiment_score":-0.021458987654610115},{"text":"Or for couples, $6,600.","start":3507.73,"end":3510.05,"sentiment":"neutral","sentiment_score":-0.020647543715313077}],"sentiment":"neutral","sentiment_score":-0.06760082270484417,"num_words":40,"start":3486.75,"end":3510.05},{"sentences":[{"text":"So 3,300 proportion of the year, it's gone more or less of the assets we manage.","start":3510.05,"end":3515.49,"sentiment":"neutral","sentiment_score":-0.11240165075287223},{"text":"Because we're only looking at insurances, we're not managing any of your assets, like superannuation or anything like that.","start":3515.49,"end":3521.385,"sentiment":"neutral","sentiment_score":-0.20481136284376444},{"text":"So we don't we can't charge a percentage of zero.","start":3521.545,"end":3525.725,"sentiment":"neutral","sentiment_score":-0.10279098823666573},{"text":"So we would only get paid from the insurance company.","start":3526.185,"end":3528.525,"sentiment":"neutral","sentiment_score":-0.02541305124759674},{"text":"Does that answer your question?","start":3530.185,"end":3531.545,"sentiment":"neutral","sentiment_score":-0.01286550536751747}],"sentiment":"neutral","sentiment_score":-0.1172701704626282,"num_words":60,"start":3510.05,"end":3531.545},{"sentences":[{"text":"Or so the insurance company would pay us 66% of whatever the insurance premium you'll pay out of your super fund or out of your back pocket for that life, PPE, income protection, and trauma, whatever whatever you need.","start":3531.545,"end":3545.91,"sentiment":"neutral","sentiment_score":0.04940898410784893},{"text":"They would pay us a commission on that and then 22% every year after that, which is disclosed down in the next kind of area.","start":3547.035,"end":3556.255,"sentiment":"neutral","sentiment_score":0.08352815493941307},{"text":"So that's the ongoing service fee on funds under management.","start":3556.7148,"end":3559.775,"sentiment":"neutral","sentiment_score":0.06197999753057957},{"text":"But we're not if we don't if we don't give a recommendation on your super, we don't charge anything out of your funds under management because we don't manage any of your funds.","start":3560.03,"end":3567.41,"sentiment":"neutral","sentiment_score":-0.18470627667777467},{"text":"We only look at insurance.","start":3567.63,"end":3568.93,"sentiment":"neutral","sentiment_score":-0.07507235556840897}],"sentiment":"neutral","sentiment_score":-0.016390309635815874,"num_words":112,"start":3531.545,"end":3568.93},{"sentences":[{"text":"Okay.","start":3575.7551,"end":3576.2551,"sentiment":"neutral","sentiment_score":-0.24254058301448825},{"text":"So because we don't manage any of your super, no.","start":3576.715,"end":3579.2751,"sentiment":"neutral","sentiment_score":-0.14266417175531387},{"text":"We do not charge those fees.","start":3579.2751,"end":3580.715,"sentiment":"neutral","sentiment_score":-0.12041669587294261},{"text":"We get paid from the insurance company.","start":3580.715,"end":3582.575,"sentiment":"neutral","sentiment_score":-0.05004431786281722},{"text":"If we if we do if we do manage your super, we will charge those fees.","start":3583.355,"end":3587.455,"sentiment":"neutral","sentiment_score":0.05046826764009893}],"sentiment":"neutral","sentiment_score":-0.04836251046508551,"num_words":40,"start":3575.7551,"end":3587.455},{"sentences":[{"text":"Does that make does that make it a little bit clearer?","start":3590.29,"end":3592.47,"sentiment":"neutral","sentiment_score":0.08569617874243042},{"text":"Or perfect.","start":3593.0898,"end":3594.69,"sentiment":"neutral","sentiment_score":0.2848198488354683},{"text":"So did you wanna just kinda start off with a insurance recommendation first and then see how that goes?","start":3594.69,"end":3600.77,"sentiment":"neutral","sentiment_score":0.19620443409995028},{"text":"Or yep.","start":3600.77,"end":3605.8252,"sentiment":"neutral","sentiment_score":0.07631606236100197},{"text":"Yeah.","start":3608.125,"end":3608.2852,"sentiment":"neutral","sentiment_score":0.09911365807056428}],"sentiment":"neutral","sentiment_score":0.15691221984369413,"num_words":35,"start":3590.29,"end":3608.2852},{"sentences":[{"text":"No.","start":3608.2852,"end":3608.5251,"sentiment":"neutral","sentiment_score":0.07773268222808838},{"text":"That's okay.","start":3608.5251,"end":3609.345,"sentiment":"neutral","sentiment_score":0.2512866035103798},{"text":"It makes sense.","start":3609.885,"end":3610.5251,"sentiment":"neutral","sentiment_score":0.32776303092638653},{"text":"Perfect.","start":3610.5251,"end":3611.0251,"sentiment":"positive","sentiment_score":0.49598872661590576},{"text":"And then for an ongoing service fee, if we were to look at superannuation or investments or anything like that funds that we manage as an investment, then there's those ongoing features that would kick in.","start":3611.245,"end":3624.88,"sentiment":"neutral","sentiment_score":0.1198267721467548}],"sentiment":"neutral","sentiment_score":0.14821738385876945,"num_words":43,"start":3608.2852,"end":3624.88},{"sentences":[{"text":"But, again, because we're only looking at insurances, you don't pay us anything.","start":3624.88,"end":3629.06,"sentiment":"neutral","sentiment_score":-0.08076139854697081},{"text":"Does that make sense?","start":3631.545,"end":3632.6848,"sentiment":"neutral","sentiment_score":-0.035040946677327156},{"text":"Are you sure you sound hesitant?","start":3635.305,"end":3636.925,"sentiment":"neutral","sentiment_score":-0.17734993249177933},{"text":"So the implementation fee is if we were to implement the changeover or the management of your funds under management.","start":3641.785,"end":3650.5999,"sentiment":"neutral","sentiment_score":-0.15229326412081717},{"text":"So, like, your money in superannuation, for example.","start":3650.5999,"end":3653.98,"sentiment":"neutral","sentiment_score":-0.0968071473762393}],"sentiment":"neutral","sentiment_score":-0.11910752988621301,"num_words":51,"start":3624.88,"end":3653.98},{"sentences":[{"text":"If we were to move that money around and change the investments, whether it be in q super or any other super fund out there, that takes a lot of work, and then we start managing those assets on top of the insurances.","start":3654.28,"end":3666.575,"sentiment":"neutral","sentiment_score":-0.08037086983406266},{"text":"So that's when that fee would kick in because, yeah, there's a lot to it.","start":3667.035,"end":3670.7148,"sentiment":"neutral","sentiment_score":-0.015477192650238673},{"text":"There's a lot to invest in.","start":3670.7148,"end":3672.4148,"sentiment":"neutral","sentiment_score":-0.02349326324959596},{"text":"Okay?","start":3674.03,"end":3674.43,"sentiment":"neutral","sentiment_score":0.05451732873916626},{"text":"So because we're not looking at that for the meantime, which you indicated, we only wanna look at the insurances.","start":3674.43,"end":3679.65,"sentiment":"neutral","sentiment_score":0.049249022454023364}],"sentiment":"neutral","sentiment_score":-0.032818436403484905,"num_words":85,"start":3654.28,"end":3679.65},{"sentences":[{"text":"We'll give you a recommendation on your insurance cover, what you need.","start":3679.95,"end":3683.63,"sentiment":"neutral","sentiment_score":0.16385627165436745},{"text":"We'll calculate exactly what your level of coverage that you need to be covered for, and then we'll give that recommendation.","start":3683.63,"end":3691.365,"sentiment":"neutral","sentiment_score":0.10775379268896013},{"text":"If you wanna proceed with it, then we'll get paid commission from the insurance company, which is 66% of whatever your premiums are between you.","start":3691.4248,"end":3699.125,"sentiment":"neutral","sentiment_score":0.11734561353921891},{"text":"Okay.","start":3704.4,"end":3704.72,"sentiment":"neutral","sentiment_score":-0.00989527627825737},{"text":"But I I'll I'll show all of that and disclose all of that in the statement of the device that we provide in a couple of weeks' time.","start":3704.72,"end":3710.74,"sentiment":"neutral","sentiment_score":0.05366085562855005}],"sentiment":"neutral","sentiment_score":0.09948682673703665,"num_words":87,"start":3679.95,"end":3710.74},{"sentences":[{"text":"Okay.","start":3713.1199,"end":3713.5999,"sentiment":"neutral","sentiment_score":0.2156662195920944},{"text":"So that that would give you a much clearer idea because we're trying to break it down there.","start":3713.5999,"end":3717.22,"sentiment":"neutral","sentiment_score":0.23761707378758323},{"text":"Beautiful.","start":3719.295,"end":3719.795,"sentiment":"positive","sentiment_score":0.4881532788276672},{"text":"Okay.","start":3720.175,"end":3720.675,"sentiment":"neutral","sentiment_score":0.1321854293346405},{"text":"So outside of that, there is the last thing I really wanna go go over is what happens if, for some reason, you know, if you were to invest your super with us, you or you find out that I'm drinking pina coladas in The Bahamas with your money or, you know, I hold on, something happens and, you know, Brandon pops away and I hold on to your assets, something along those lines, What do you do?","start":3721.375,"end":3746.625,"sentiment":"neutral","sentiment_score":-0.028922020708425686}],"sentiment":"neutral","sentiment_score":0.02886055192599694,"num_words":99,"start":3713.1199,"end":3746.625},{"sentences":[{"text":"Right?","start":3746.6848,"end":3747.1848,"sentiment":"neutral","sentiment_score":0.00004058517515659332},{"text":"The first thing you do is you get in touch with our compliance manager of the Australian Financial Services license, which is me.","start":3747.4048,"end":3754.625,"sentiment":"neutral","sentiment_score":-0.00609611529532982},{"text":"But I will be I'll be drinking pina coladas with your money in The Bahamas.","start":3755.6448,"end":3760.3801,"sentiment":"neutral","sentiment_score":-0.0042693430557847025},{"text":"So you probably won't wanna speak to me, and you wouldn't be able to get in touch.","start":3760.3801,"end":3764.4001,"sentiment":"neutral","sentiment_score":-0.08645486327655175},{"text":"So for that reason, we've got a non practicing director who's part a business partner who is the yeah.","start":3764.46,"end":3771.085,"sentiment":"neutral","sentiment_score":0.01110700243397763}],"sentiment":"neutral","sentiment_score":-0.019505464558800062,"num_words":75,"start":3746.6848,"end":3771.085},{"sentences":[{"text":"He's essentially also the compliance manager, so you'll get in touch with him.","start":3771.085,"end":3774.865,"sentiment":"neutral","sentiment_score":0.04176828924279947},{"text":"And he you know, we're pretty reasonable.","start":3775.085,"end":3777.105,"sentiment":"neutral","sentiment_score":0.09527349844574928},{"text":"We've never done anything like that.","start":3777.165,"end":3778.7651,"sentiment":"neutral","sentiment_score":-0.06514449696987867},{"text":"That's why he's gone business after all these years.","start":3778.7651,"end":3780.845,"sentiment":"neutral","sentiment_score":-0.0415910045719809},{"text":"But for some unknown reason, if this word occur, and Bob tells you to get stuff because he's gonna join me in The Bahamas somewhere, then you can go on to what's called an external dispute resolution, which is get in touch with AFTCA, the Australian Financial Complaints Authority, and all their details is at the bottom of that number 11 complaint handle, if you can see that.","start":3780.845,"end":3805.405,"sentiment":"neutral","sentiment_score":-0.006020278395975337}],"sentiment":"neutral","sentiment_score":0.000343080537701116,"num_words":103,"start":3771.085,"end":3805.405},{"sentences":[{"text":"Beautiful.","start":3807.465,"end":3807.965,"sentiment":"neutral","sentiment_score":0.30589503049850464},{"text":"Do you have any questions before we get grab some details?","start":3808.105,"end":3810.825,"sentiment":"neutral","sentiment_score":-0.029327761043201794},{"text":"Because we're pretty much at the end.","start":3810.825,"end":3812.525,"sentiment":"neutral","sentiment_score":-0.05274388939142227},{"text":"No?","start":3815.19,"end":3815.69,"sentiment":"neutral","sentiment_score":-0.04817656800150871},{"text":"Sure.","start":3815.75,"end":3816.25,"sentiment":"neutral","sentiment_score":0.028828099370002747}],"sentiment":"neutral","sentiment_score":-0.019298382635627474,"num_words":21,"start":3807.465,"end":3816.25},{"sentences":[{"text":"Yes.","start":3818.23,"end":3818.73,"sentiment":"neutral","sentiment_score":0.05115597695112229},{"text":"Yep.","start":3824.23,"end":3824.73,"sentiment":"neutral","sentiment_score":0.11087749898433684},{"text":"Absolutely.","start":3830.825,"end":3831.325,"sentiment":"neutral","sentiment_score":0.1525636613368988},{"text":"Yeah.","start":3831.545,"end":3831.945,"sentiment":"neutral","sentiment_score":0.09892123192548752},{"text":"Did you what I found is actually pretty beneficial because you are essentially in that complimentary consultation phase.","start":3831.945,"end":3841.645,"sentiment":"positive","sentiment_score":0.5645109282599555}],"sentiment":"positive","sentiment_score":0.4806688671762293,"num_words":22,"start":3818.23,"end":3841.645},{"sentences":[{"text":"What we usually recommend what we usually do is review the skip a recommendation on the superannuation as well as your insurances because when you get to then we can show you the implications of it.","start":3842.49,"end":3857.05,"sentiment":"neutral","sentiment_score":0.3077312252587742},{"text":"Because when I propose and give you the recommendations, if you you can tell me you don't wanna go ahead with superannuation and you just want the insurances, then I have to go ahead with the insurances.","start":3857.05,"end":3866.2651,"sentiment":"neutral","sentiment_score":0.060421042723228804},{"text":"And then there's no of those extra charges.","start":3866.645,"end":3868.985,"sentiment":"neutral","sentiment_score":0.09953974233940244},{"text":"But if you do the insurance only and then we do the statement of advice later for superannuation or those other stages, then you're just gonna be spending more money.","start":3869.605,"end":3880.2,"sentiment":"neutral","sentiment_score":-0.04907608873521288},{"text":"So it's worthwhile to do the complimentary, you know, statement of advice for the whole root section now and tell me you don't wanna do something rather than say you just wanna do it now, and then I do more advice and charge you for it down the track, if that makes sense.","start":3881.22,"end":3897.055,"sentiment":"neutral","sentiment_score":0.30380672188300006}],"sentiment":"neutral","sentiment_score":0.1752420379666657,"num_words":164,"start":3842.49,"end":3897.055},{"sentences":[{"text":"Okay.","start":3899.99,"end":3900.49,"sentiment":"neutral","sentiment_score":0.25318074226379395},{"text":"Because you don't have to go ahead with the recommendations or you don't have to go ahead with any of them.","start":3900.8699,"end":3905.19,"sentiment":"neutral","sentiment_score":0.17606840601989202},{"text":"You don't have to go ahead with all of them.","start":3905.19,"end":3907.11,"sentiment":"neutral","sentiment_score":0.12888631820678711},{"text":"You you we we it's more of a discussion when we present that recommendation and advice to you.","start":3907.11,"end":3912.045,"sentiment":"neutral","sentiment_score":0.23764666004313362},{"text":"So you can say, oh, we wanna proceed with insurance, but not super.","start":3912.125,"end":3915.825,"sentiment":"neutral","sentiment_score":0.15463106563458076}],"sentiment":"neutral","sentiment_score":0.18297339975833893,"num_words":63,"start":3899.99,"end":3915.825},{"sentences":[{"text":"And I'll say, not a problem.","start":3915.9648,"end":3917.325,"sentiment":"neutral","sentiment_score":0.20729151368141174},{"text":"Let's do that.","start":3917.325,"end":3918.2249,"sentiment":"neutral","sentiment_score":0.3216742475827535},{"text":"Yeah.","start":3931.98,"end":3932.3,"sentiment":"neutral","sentiment_score":0.1111128032207489},{"text":"Well, until you sign up to save it, sign to what we call a ATP or authority to proceed.","start":3932.3,"end":3938.96,"sentiment":"neutral","sentiment_score":0.12898057503135582},{"text":"So when you get back in touch and I present the statement of life and show you the recommendations, you I won't charge you until you say, yes.","start":3939.3052,"end":3946.8252,"sentiment":"neutral","sentiment_score":0.2285768118287836}],"sentiment":"neutral","sentiment_score":0.19597660148875756,"num_words":57,"start":3915.9648,"end":3946.8252},{"sentences":[{"text":"I want to proceed with this recommendation, whichever one it might be.","start":3946.8252,"end":3951.3252,"sentiment":"neutral","sentiment_score":0.23398124178250632},{"text":"And if it's not super, it's only the insurances, then we'll just get paid commission from the insurance company.","start":3951.49,"end":3956.79,"sentiment":"neutral","sentiment_score":0.1890265769080112},{"text":"But I can show you the benefits of actually you know, if there is something that's better for you on the market.","start":3957.09,"end":3963.345,"sentiment":"positive","sentiment_score":0.3818832981315526},{"text":"And if there's not, then why would I I can't give a recommendation because you wanna go ahead with something that's gonna make you in a worse off position.","start":3963.345,"end":3970.805,"sentiment":"negative","sentiment_score":-0.416757689981625},{"text":"Right?","start":3971.025,"end":3971.525,"sentiment":"neutral","sentiment_score":-0.12529656291007996}],"sentiment":"neutral","sentiment_score":0.031198106616376394,"num_words":83,"start":3946.8252,"end":3971.525},{"sentences":[{"text":"So yeah.","start":3972.2249,"end":3973.665,"sentiment":"neutral","sentiment_score":-0.026452451944351193},{"text":"So if that kinda makes sense, it's worthwhile just doing the full scope, which is super insurance, and then, you know, decide whether it's for you or not.","start":3973.665,"end":3981.71,"sentiment":"neutral","sentiment_score":0.08358776729021754},{"text":"Beautiful.","start":3984.33,"end":3984.83,"sentiment":"positive","sentiment_score":0.5725099444389343},{"text":"Cool.","start":3985.45,"end":3985.95,"sentiment":"positive","sentiment_score":0.4923016428947449},{"text":"Alright.","start":3986.8901,"end":3987.29,"sentiment":"neutral","sentiment_score":0.2829575538635254}],"sentiment":"neutral","sentiment_score":0.11016126428589676,"num_words":33,"start":3972.2249,"end":3987.29},{"sentences":[{"text":"Well, look, the next step is just running through some basic details for yourself and Brandon, and and then go through a risk profile questionnaire.","start":3987.29,"end":3995.145,"sentiment":"neutral","sentiment_score":0.12854902625083922},{"text":"And after that, we'll just book another time to catch up, another couple weeks.","start":3995.845,"end":4000.505,"sentiment":"neutral","sentiment_score":0.1154009396476405},{"text":"Beautiful.","start":4002.645,"end":4003.145,"sentiment":"positive","sentiment_score":0.3941767811775207},{"text":"So it's Savan Nocio.","start":4003.365,"end":4006.4,"sentiment":"neutral","sentiment_score":0.10050150193274021},{"text":"Is that right?","start":4006.6199,"end":4007.44,"sentiment":"neutral","sentiment_score":0.06247531995177269}],"sentiment":"neutral","sentiment_score":0.12367973532131378,"num_words":47,"start":3987.29,"end":4007.44},{"sentences":[{"text":"Yeah.","start":4008.8599,"end":4009.3599,"sentiment":"neutral","sentiment_score":0.037758175283670425},{"text":"Yeah.","start":4010.3,"end":4010.46,"sentiment":"neutral","sentiment_score":0.03999196738004685},{"text":"Alright.","start":4010.46,"end":4010.78,"sentiment":"neutral","sentiment_score":0.05058785900473595},{"text":"Well, yeah.","start":4010.78,"end":4011.34,"sentiment":"neutral","sentiment_score":0.03028549998998642},{"text":"I got given Severiano, so my best guess is pronounced all the time.","start":4011.34,"end":4016.14,"sentiment":"neutral","sentiment_score":0.03718886266534145}],"sentiment":"neutral","sentiment_score":0.037353567572103605,"num_words":18,"start":4008.8599,"end":4016.14},{"sentences":[{"text":"I understand.","start":4016.14,"end":4016.8,"sentiment":"neutral","sentiment_score":0.02926300559192896},{"text":"And, Brendan, it's just is it Brendan Smith?","start":4017.435,"end":4020.095,"sentiment":"neutral","sentiment_score":0.01375802734401077},{"text":"Or It's Brendan Smith.","start":4022.075,"end":4023.935,"sentiment":"neutral","sentiment_score":0.024211875163018703},{"text":"Beautiful.","start":4025.5151,"end":4026.0151,"sentiment":"neutral","sentiment_score":0.31470245122909546},{"text":"Perfect.","start":4027.2751,"end":4027.7551,"sentiment":"neutral","sentiment_score":0.23329734802246097}],"sentiment":"neutral","sentiment_score":0.050839845614973456,"num_words":16,"start":4016.14,"end":4027.7551},{"sentences":[{"text":"And what's your what's each of your date of birth?","start":4027.7551,"end":4030.735,"sentiment":"neutral","sentiment_score":0.021683526504784823},{"text":"Nineteen ninety seven.","start":4036.0,"end":4037.46,"sentiment":"neutral","sentiment_score":0.010369273833930492},{"text":"Yep.","start":4037.52,"end":4038.02,"sentiment":"neutral","sentiment_score":0.01045639719814062},{"text":"1997.","start":4043.68,"end":4044.8,"sentiment":"neutral","sentiment_score":0.01241905428469181},{"text":"Beautiful.","start":4044.8,"end":4045.3,"sentiment":"neutral","sentiment_score":0.0941830724477768}],"sentiment":"neutral","sentiment_score":0.022812600655015558,"num_words":16,"start":4027.7551,"end":4045.3},{"sentences":[{"text":"I'm a Scorpio myself.","start":4045.36,"end":4046.66,"sentiment":"neutral","sentiment_score":0.00574965204577893},{"text":"Sports I'm the I'm the November 4.","start":4047.7349,"end":4050.075,"sentiment":"neutral","sentiment_score":0.003361538717789309},{"text":"Yep.","start":4052.2148,"end":4052.615,"sentiment":"neutral","sentiment_score":0.01289895921945572},{"text":"Pretty close.","start":4052.615,"end":4053.355,"sentiment":"neutral","sentiment_score":0.00833958387374878},{"text":"And I I've got to ask this question of knowing this day and age.","start":4053.4949,"end":4056.9348,"sentiment":"neutral","sentiment_score":-0.02518425535942827}],"sentiment":"neutral","sentiment_score":-0.009874002459192914,"num_words":28,"start":4045.36,"end":4056.9348},{"sentences":[{"text":"I'm assuming you're a female and your brother's male.","start":4056.9348,"end":4059.9148,"sentiment":"neutral","sentiment_score":-0.009689416012002362},{"text":"Beautiful.","start":4061.6548,"end":4062.1548,"sentiment":"neutral","sentiment_score":0.1806451380252838},{"text":"And are you guys because of the different names, are you guys married or are you just a doctor or 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think that's everything I needed from you.","start":4524.005,"end":4527.705,"sentiment":"neutral","sentiment_score":0.269110231236978},{"text":"Do you salary sacrifice anything into super or raw?","start":4527.925,"end":4531.065,"sentiment":"neutral","sentiment_score":-0.03358198950688044},{"text":"And do you have an EBA for your employer?","start":4531.525,"end":4534.105,"sentiment":"neutral","sentiment_score":-0.036080273489157356}],"sentiment":"neutral","sentiment_score":0.11806851765140891,"num_words":32,"start":4520.4897,"end":4534.105},{"sentences":[{"text":"No.","start":4537.97,"end":4538.47,"sentiment":"neutral","sentiment_score":-0.076987624168396},{"text":"Yes.","start":4538.6904,"end":4539.1904,"sentiment":"neutral","sentiment_score":-0.005139597691595554},{"text":"Beautiful.","start":4539.25,"end":4539.75,"sentiment":"neutral","sentiment_score":0.014588061720132828},{"text":"Yeah.","start":4541.1704,"end":4541.49,"sentiment":"neutral","sentiment_score":0.013019269332289696},{"text":"So you you don't have to pay to the service, to fund a union or something like that.","start":4541.49,"end":4545.89,"sentiment":"neutral","sentiment_score":-0.01298017075492276}],"sentiment":"neutral","sentiment_score":-0.01309831656346267,"num_words":22,"start":4537.97,"end":4545.89},{"sentences":[{"text":"Right?","start":4545.89,"end":4546.39,"sentiment":"neutral","sentiment_score":0.0001696813851594925},{"text":"Beautiful.","start":4547.995,"end":4548.395,"sentiment":"neutral","sentiment_score":0.0159483440220356},{"text":"Beautiful.","start":4548.395,"end":4548.895,"sentiment":"neutral","sentiment_score":0.04581842198967934},{"text":"Beautiful.","start":4548.955,"end":4549.455,"sentiment":"neutral","sentiment_score":0.045224107801914215},{"text":"And are you currently a smoker?","start":4549.675,"end":4551.375,"sentiment":"neutral","sentiment_score":-0.01500649331137538}],"sentiment":"neutral","sentiment_score":0.0017121595330536366,"num_words":10,"start":4545.89,"end":4551.375},{"sentences":[{"text":"Beautiful.","start":4553.435,"end":4553.935,"sentiment":"neutral","sentiment_score":-0.01189414132386446},{"text":"Have you smoked in the past twelve months?","start":4554.395,"end":4556.335,"sentiment":"neutral","sentiment_score":-0.03734129900112748},{"text":"No.","start":4558.875,"end":4559.375,"sentiment":"neutral","sentiment_score":-0.06944064050912857},{"text":"Do you have any significant health issues or injuries on doctor's records?","start":4559.435,"end":4563.215,"sentiment":"neutral","sentiment_score":-0.097625982016325},{"text":"Yeah.","start":4578.055,"end":4578.295,"sentiment":"neutral","sentiment_score":-0.07770286500453949}],"sentiment":"neutral","sentiment_score":-0.0708382531757588,"num_words":23,"start":4553.435,"end":4578.295},{"sentences":[{"text":"No.","start":4578.295,"end":4578.535,"sentiment":"neutral","sentiment_score":-0.14602085947990415},{"text":"That's right.","start":4578.535,"end":4579.275,"sentiment":"neutral","sentiment_score":-0.131550595164299},{"text":"Yeah.","start":4588.935,"end":4589.435,"sentiment":"neutral","sentiment_score":-0.02539285458624363},{"text":"That'll pass the numbers.","start":4592.33,"end":4593.61,"sentiment":"neutral","sentiment_score":-0.04136743862181902},{"text":"Yeah.","start":4593.61,"end":4593.85,"sentiment":"neutral","sentiment_score":-0.021281206980347633}],"sentiment":"neutral","sentiment_score":-0.0690295406513744,"num_words":9,"start":4578.295,"end":4593.85},{"sentences":[{"text":"Gotcha.","start":4593.85,"end":4594.35,"sentiment":"neutral","sentiment_score":-0.06935001909732819},{"text":"So trauma is probably gonna be out of the question for you, Brendon, but definitely life changing and income protection.","start":4595.61,"end":4601.85,"sentiment":"neutral","sentiment_score":-0.2612677328288555},{"text":"I can probably we could probably look at some sort of income some sort of insurances like that.","start":4601.85,"end":4607.265,"sentiment":"neutral","sentiment_score":-0.14059585829575857},{"text":"But, yeah, just with trauma because it literally covers the majority of it, covers and gets paid out on cancer.","start":4607.745,"end":4613.745,"sentiment":"neutral","sentiment_score":-0.2329418659210205},{"text":"That's gonna be really difficult for you to get.","start":4613.745,"end":4615.9253,"sentiment":"negative","sentiment_score":-0.39902501304944354}],"sentiment":"neutral","sentiment_score":-0.23640430236563964,"num_words":68,"start":4593.85,"end":4615.9253},{"sentences":[{"text":"But I'll try.","start":4616.4653,"end":4617.4253,"sentiment":"neutral","sentiment_score":-0.0611610102156798},{"text":"I'll have a look around.","start":4617.4253,"end":4618.565,"sentiment":"neutral","sentiment_score":-0.032749468460679054},{"text":"But outside of that, as my ex wife and BCC, do you have anything else that's an issue or Yep.","start":4620.16,"end":4629.04,"sentiment":"neutral","sentiment_score":-0.07530471626669169},{"text":"Beautiful.","start":4629.04,"end":4629.54,"sentiment":"neutral","sentiment_score":0.2511850893497467},{"text":"Yeah.","start":4631.76,"end":4632.08,"sentiment":"neutral","sentiment_score":-0.022799883037805557}],"sentiment":"neutral","sentiment_score":-0.054164649732410905,"num_words":30,"start":4616.4653,"end":4632.08},{"sentences":[{"text":"My my message is exactly the same.","start":4632.08,"end":4634.34,"sentiment":"neutral","sentiment_score":-0.11483730588640485},{"text":"We got I'm only good at the financial planning, flight things, the the everyday life stuff.","start":4635.245,"end":4640.685,"sentiment":"neutral","sentiment_score":-0.17414305172860622},{"text":"Not so good at it.","start":4640.685,"end":4641.9053,"sentiment":"negative","sentiment_score":-0.37688459157943727},{"text":"So do you take any medication, and do you have private health cover?","start":4643.485,"end":4646.865,"sentiment":"neutral","sentiment_score":-0.07939136343506667},{"text":"No.","start":4648.3604,"end":4648.68,"sentiment":"neutral","sentiment_score":-0.11378853023052216}],"sentiment":"neutral","sentiment_score":-0.15762974242014544,"num_words":42,"start":4632.08,"end":4648.68},{"sentences":[{"text":"No.","start":4648.68,"end":4649.18,"sentiment":"neutral","sentiment_score":-0.10621387511491776},{"text":"Beautiful.","start":4651.72,"end":4652.2,"sentiment":"neutral","sentiment_score":0.27355730533599854},{"text":"And what's your height and weight?","start":4652.2,"end":4653.66,"sentiment":"neutral","sentiment_score":0.019537152256816626},{"text":"Yeah.","start":4654.9204,"end":4655.4004,"sentiment":"neutral","sentiment_score":0.006508449092507362},{"text":"It's your beautiful.","start":4655.4004,"end":4658.06,"sentiment":"neutral","sentiment_score":0.08729552229245503}],"sentiment":"neutral","sentiment_score":0.04608011331098775,"num_words":12,"start":4648.68,"end":4658.06},{"sentences":[{"text":"And what's your height and weight?","start":4658.4404,"end":4660.46,"sentiment":"neutral","sentiment_score":0.022428490531941254},{"text":"Yep.","start":4671.445,"end":4671.945,"sentiment":"neutral","sentiment_score":-0.007901811972260475},{"text":"Yep.","start":4672.005,"end":4672.505,"sentiment":"neutral","sentiment_score":0.0028421764727681875},{"text":"And weight.","start":4672.7246,"end":4673.545,"sentiment":"neutral","sentiment_score":-0.0015379474498331547},{"text":"This is k 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weight?","start":4680.5503,"end":4681.85,"sentiment":"neutral","sentiment_score":-0.004475839994847774},{"text":"Yep.","start":4686.95,"end":4687.335,"sentiment":"neutral","sentiment_score":0.0196289774030447}],"sentiment":"neutral","sentiment_score":0.0628585210070014,"num_words":19,"start":4676.39,"end":4687.335},{"sentences":[{"text":"Beautiful.","start":4691.015,"end":4691.515,"sentiment":"neutral","sentiment_score":0.3133983016014099},{"text":"Sixty six kilograms.","start":4691.895,"end":4693.1147,"sentiment":"neutral","sentiment_score":0.15409513314565024},{"text":"Amazing.","start":4693.255,"end":4693.735,"sentiment":"positive","sentiment_score":0.3500474989414215},{"text":"And you don't smoke or haven't smoked in the past twelve months, have you?","start":4693.735,"end":4697.275,"sentiment":"neutral","sentiment_score":0.0070119851401874},{"text":"Awesome.","start":4697.655,"end":4698.155,"sentiment":"neutral","sentiment_score":0.28012770414352417}],"sentiment":"neutral","sentiment_score":0.0752013348042965,"num_words":20,"start":4691.015,"end":4698.155},{"sentences":[{"text":"Beautiful.","start":4698.6147,"end":4699.1147,"sentiment":"neutral","sentiment_score":0.01295979879796505},{"text":"And do you take any It must be a Scorpio thing.","start":4699.175,"end":4717.6753,"sentiment":"neutral","sentiment_score":-0.11188658411529931},{"text":"Yeah.","start":4726.295,"end":4726.795,"sentiment":"neutral","sentiment_score":-0.0245358869433403},{"text":"Yeah.","start":4728.0303,"end":4728.5303,"sentiment":"neutral","sentiment_score":-0.050739437341690063},{"text":"I got diagnosed with that stuff.","start":4728.59,"end":4730.21,"sentiment":"neutral","sentiment_score":-0.10298549383878708}],"sentiment":"neutral","sentiment_score":-0.095549045689404,"num_words":20,"start":4698.6147,"end":4730.21},{"sentences":[{"text":"He he way in my early teens.","start":4730.27,"end":4732.83,"sentiment":"neutral","sentiment_score":-0.09462631280933108},{"text":"So it's sometimes I like to think of it as a super pound, to be honest.","start":4732.83,"end":4737.23,"sentiment":"neutral","sentiment_score":-0.08497730456292629},{"text":"But yeah.","start":4737.23,"end":4739.41,"sentiment":"neutral","sentiment_score":0.034944579005241394},{"text":"Yeah, probably.","start":4740.885,"end":4741.625,"sentiment":"neutral","sentiment_score":-0.09996381402015686},{"text":"Lots of lack of sleep.","start":4741.925,"end":4743.3047,"sentiment":"negative","sentiment_score":-0.4034202635288239}],"sentiment":"neutral","sentiment_score":-0.13028627657331526,"num_words":32,"start":4730.27,"end":4743.3047},{"sentences":[{"text":"I don't know what to do.","start":4743.925,"end":4744.885,"sentiment":"negative","sentiment_score":-0.35047594209512073},{"text":"Thanks for ADHD over there concerning.","start":4744.885,"end":4746.665,"sentiment":"neutral","sentiment_score":-0.15001187597711882},{"text":"One of the two.","start":4748.885,"end":4749.7646,"sentiment":"neutral","sentiment_score":-0.07389834895730019},{"text":"It's not both.","start":4749.7646,"end":4750.7246,"sentiment":"neutral","sentiment_score":-0.0723117229839166},{"text":"And do you have you you obviously have the extras for the five and l as well?","start":4750.7246,"end":4754.905,"sentiment":"neutral","sentiment_score":-0.002659581820754444}],"sentiment":"neutral","sentiment_score":-0.09890745456020038,"num_words":36,"start":4743.925,"end":4754.905},{"sentences":[{"text":"Amazing.","start":4756.43,"end":4756.93,"sentiment":"positive","sentiment_score":0.3557448387145996},{"text":"And do you guys have a will or power of attorney?","start":4757.23,"end":4760.0503,"sentiment":"neutral","sentiment_score":0.08933053842999718},{"text":"Not a problem.","start":4763.47,"end":4764.29,"sentiment":"neutral","sentiment_score":0.1628973881403605},{"text":"I'll when I give my recommendation on insurances as well as super, I'll just do do a recommendation of the power of attorney in there as well.","start":4764.35,"end":4772.345,"sentiment":"neutral","sentiment_score":0.16529856539434856},{"text":"And that will be involved with your binding nomination.","start":4773.125,"end":4775.865,"sentiment":"neutral","sentiment_score":0.18384240733252633}],"sentiment":"neutral","sentiment_score":0.15577874230403527,"num_words":51,"start":4756.43,"end":4775.865},{"sentences":[{"text":"So who you nominate to receive your insurance benefits, if either of you were to, you know, get full of your perch, let's say.","start":4775.9253,"end":4783.705,"sentiment":"neutral","sentiment_score":0.12122702474395435},{"text":"So we'll do that.","start":4785.3403,"end":4786.4004,"sentiment":"neutral","sentiment_score":0.05458860099315643},{"text":"Last thing I wanna touch on is looking at your risk profile questionnaire.","start":4786.8604,"end":4791.3604,"sentiment":"neutral","sentiment_score":-0.02116120821581437},{"text":"I don't make these questions up.","start":4791.66,"end":4793.18,"sentiment":"neutral","sentiment_score":-0.10947727039456367},{"text":"The federal government does and ASIC.","start":4793.18,"end":4795.3604,"sentiment":"neutral","sentiment_score":-0.09232956667741139}],"sentiment":"neutral","sentiment_score":0.030978608841322502,"num_words":53,"start":4775.9253,"end":4795.3604},{"sentences":[{"text":"So some of them are pretty pretty stupid.","start":4795.58,"end":4797.74,"sentiment":"neutral","sentiment_score":-0.18931346759200096},{"text":"There's only a few of them, so I'll fly through them and then we're done.","start":4797.74,"end":4800.835,"sentiment":"neutral","sentiment_score":-0.04784948695451021},{"text":"Okay?","start":4800.835,"end":4801.335,"sentiment":"neutral","sentiment_score":-0.005892602726817131},{"text":"So how would you rate and this is each of you 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pay no tax at the end of a ten year term.","start":4879.555,"end":4883.735,"sentiment":"positive","sentiment_score":0.556881801949607}],"sentiment":"positive","sentiment_score":0.45072189191977186,"num_words":75,"start":4863.645,"end":4883.735},{"sentences":[{"text":"And it's in a high growth ETF that I think on average is, like, 11%, something like that.","start":4884.275,"end":4890.295,"sentiment":"positive","sentiment_score":0.38885946075121564},{"text":"But, yeah, it's pretty crazy what you can do.","start":4890.355,"end":4892.85,"sentiment":"neutral","sentiment_score":0.2600420183605618},{"text":"So that's that's part of what we do mostly as well.","start":4892.85,"end":4895.83,"sentiment":"positive","sentiment_score":0.3628213419155641},{"text":"What is the gross most aggressive investments you've ever made?","start":4896.5303,"end":4899.5703,"sentiment":"neutral","sentiment_score":0.10798105672001838},{"text":"Have you either of you bought direct shares before?","start":4899.5703,"end":4902.31,"sentiment":"neutral","sentiment_score":0.00225918802122275}],"sentiment":"neutral","sentiment_score":0.2531759031443742,"num_words":57,"start":4884.275,"end":4902.31},{"sentences":[{"text":"So what investment are you buying with that $20 a week?","start":4906.225,"end":4909.605,"sentiment":"neutral","sentiment_score":-0.028552005914124576},{"text":"Okay.","start":4913.345,"end":4913.845,"sentiment":"neutral","sentiment_score":0.038319747895002365},{"text":"Is it is it does it have a ticket code like a VTS or I I v z?","start":4922.6,"end":4928.22,"sentiment":"neutral","sentiment_score":0.0032394200873871646},{"text":"Okay.","start":4932.52,"end":4932.8403,"sentiment":"neutral","sentiment_score":0.04349827766418457},{"text":"So the ETFs are direct 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the ASX actually listed security or Yeah.","start":4951.4297,"end":4959.915,"sentiment":"neutral","sentiment_score":0.003737382678082213},{"text":"Yeah.","start":4959.975,"end":4960.2153,"sentiment":"neutral","sentiment_score":0.009327740408480167},{"text":"That's the I IVD.","start":4960.2153,"end":4961.515,"sentiment":"neutral","sentiment_score":0.002033142292930279},{"text":"Yeah.","start":4964.375,"end":4964.615,"sentiment":"neutral","sentiment_score":0.01127174124121666},{"text":"Correct.","start":4964.615,"end":4964.8955,"sentiment":"neutral","sentiment_score":0.022755365818738937}],"sentiment":"neutral","sentiment_score":0.005425765204320972,"num_words":15,"start":4951.4297,"end":4964.8955},{"sentences":[{"text":"That's Oh, that's fine.","start":4964.8955,"end":4967.6553,"sentiment":"neutral","sentiment_score":0.05654263636097312},{"text":"So you got them in IPV.","start":4967.6553,"end":4968.955,"sentiment":"neutral","sentiment_score":0.04093364657213291},{"text":"Yep.","start":4975.41,"end":4975.91,"sentiment":"neutral","sentiment_score":0.02374724298715591},{"text":"Yep.","start":4976.37,"end":4976.87,"sentiment":"neutral","sentiment_score":0.09458667039871216},{"text":"BYS is great.","start":4977.41,"end":4978.87,"sentiment":"positive","sentiment_score":0.4912726084391276}],"sentiment":"neutral","sentiment_score":0.13759494423866273,"num_words":15,"start":4964.8955,"end":4978.87},{"sentences":[{"text":"Great investment.","start":4979.25,"end":4980.15,"sentiment":"positive","sentiment_score":0.6254178285598755},{"text":"So it's IVV.","start":4980.21,"end":4981.03,"sentiment":"positive","sentiment_score":0.3661533296108246},{"text":"The FPP 500 is incredible, Nick.","start":4981.33,"end":4983.5103,"sentiment":"positive","sentiment_score":0.5630177656809489},{"text":"BYS.","start":4984.29,"end":4984.79,"sentiment":"positive","sentiment_score":0.396272212266922},{"text":"Beautiful.","start":4985.0103,"end":4985.5103,"sentiment":"neutral","sentiment_score":0.1986829936504364}],"sentiment":"positive","sentiment_score":0.4863351881504059,"num_words":13,"start":4979.25,"end":4985.5103},{"sentences":[{"text":"And what?","start":4986.05,"end":4987.065,"sentiment":"neutral","sentiment_score":0.047383863478899},{"text":"B y m.","start":4988.985,"end":4989.945,"sentiment":"neutral","sentiment_score":0.02324550909300645},{"text":"Okay.","start":4989.945,"end":4990.445,"sentiment":"neutral","sentiment_score":0.09066310524940492},{"text":"Beautiful.","start":4992.105,"end":4992.605,"sentiment":"positive","sentiment_score":0.4353330731391907},{"text":"That's the high yielding one.","start":4993.705,"end":4995.385,"sentiment":"neutral","sentiment_score":0.2788156747817993}],"sentiment":"neutral","sentiment_score":0.17371490054453412,"num_words":12,"start":4986.05,"end":4995.385},{"sentences":[{"text":"Correct.","start":4995.385,"end":4995.885,"sentiment":"neutral","sentiment_score":0.16413089632987976},{"text":"Alright.","start":4996.8247,"end":4997.3247,"sentiment":"neutral","sentiment_score":0.050732821226119995},{"text":"Now the next couple of questions are pretty important.","start":4997.545,"end":5000.905,"sentiment":"neutral","sentiment_score":-0.017337209027674463},{"text":"So investments can go up and down in value.","start":5000.905,"end":5003.41,"sentiment":"neutral","sentiment_score":-0.07594825658533308},{"text":"It's called volatility.","start":5003.41,"end":5004.47,"sentiment":"neutral","sentiment_score":-0.07622730980316798}],"sentiment":"neutral","sentiment_score":-0.03710380010306835,"num_words":23,"start":4995.385,"end":5004.47},{"sentences":[{"text":"So if we were to invest your superannuation, just for its sake, how much could your investment drop in value by over twelve months before you read this before either of you start getting concerned and anxious.","start":5004.85,"end":5018.455,"sentiment":"neutral","sentiment_score":-0.13359346985816956},{"text":"Would you say that you you would start being concerned and anxious if you lose more than 50%, up to 50%, up to 25%, up to 10%, or up to 5%?","start":5019.075,"end":5030.455,"sentiment":"neutral","sentiment_score":-0.16247631008586577},{"text":"So how much do you have in your current Qsu Group?","start":5038.15,"end":5041.21,"sentiment":"neutral","sentiment_score":-0.0011197729882868855},{"text":"The 110, let's just say.","start":5043.5103,"end":5044.79,"sentiment":"neutral","sentiment_score":0.0017741921823471785},{"text":"So so 10% is $11,000.","start":5044.79,"end":5049.015,"sentiment":"neutral","sentiment_score":0.003611356485635042}],"sentiment":"neutral","sentiment_score":-0.11196757030275682,"num_words":89,"start":5004.85,"end":5049.015},{"sentences":[{"text":"If your portfolio dropped to 99 or 90 dropped to a $100,000, would you start to feel concerned and anxious?","start":5049.075,"end":5056.455,"sentiment":"neutral","sentiment_score":-0.06888817250728607},{"text":"No.","start":5061.07,"end":5061.3896,"sentiment":"neutral","sentiment_score":-0.25362884998321533},{"text":"It's it's it's not neither bad nor good.","start":5061.3896,"end":5063.55,"sentiment":"neutral","sentiment_score":-0.22415104135870934},{"text":"It's entirely your tolerance and capacity for us.","start":5063.55,"end":5066.9297,"sentiment":"neutral","sentiment_score":-0.08914430346339941},{"text":"So it's like, for me, I'm I'm if I see my portfolio drop more than 50%, I rub, you know, people like us rub our hands.","start":5067.23,"end":5074.605,"sentiment":"neutral","sentiment_score":-0.1413324658687298}],"sentiment":"neutral","sentiment_score":-0.12400633605226638,"num_words":63,"start":5049.075,"end":5074.605},{"sentences":[{"text":"You go and see the world crash.","start":5074.605,"end":5076.3647,"sentiment":"neutral","sentiment_score":-0.18809000509125845},{"text":"We we think that everything's on sale.","start":5076.3647,"end":5078.8647,"sentiment":"neutral","sentiment_score":-0.16107374003955297},{"text":"You know?","start":5078.925,"end":5079.2446,"sentiment":"neutral","sentiment_score":-0.0673634447157383},{"text":"So I've got a yeah.","start":5079.2446,"end":5081.2446,"sentiment":"neutral","sentiment_score":-0.025834842771291732},{"text":"I've got a completely different mindset too.","start":5081.2446,"end":5083.7246,"sentiment":"neutral","sentiment_score":-0.061137166672519276}],"sentiment":"neutral","sentiment_score":-0.11200026735397321,"num_words":28,"start":5074.605,"end":5083.7246},{"sentences":[{"text":"Yeah.","start":5083.7246,"end":5084.2246,"sentiment":"neutral","sentiment_score":0.021009907126426697},{"text":"So it's entirely got to do with your risk and your risk profile.","start":5084.3647,"end":5087.75,"sentiment":"neutral","sentiment_score":-0.0611631297864593},{"text":"It's not mine or Brandon's.","start":5087.75,"end":5089.6904,"sentiment":"neutral","sentiment_score":-0.09550199136137963},{"text":"So would you say up to 10% you start getting concerned and actions or up to 25%?","start":5090.5503,"end":5095.6904,"sentiment":"neutral","sentiment_score":-0.041138254873016304},{"text":"25?","start":5097.5903,"end":5098.39,"sentiment":"neutral","sentiment_score":-0.002469259314239025}],"sentiment":"neutral","sentiment_score":-0.05279568456918807,"num_words":37,"start":5083.7246,"end":5098.39},{"sentences":[{"text":"Yeah.","start":5098.39,"end":5098.6304,"sentiment":"neutral","sentiment_score":0.014027953147888184},{"text":"And Brandon?","start":5098.6304,"end":5099.29,"sentiment":"neutral","sentiment_score":0.005540815647691488},{"text":"Yeah.","start":5103.085,"end":5103.585,"sentiment":"neutral","sentiment_score":0.0445263609290123},{"text":"Are you able to be with them by any chance?","start":5105.245,"end":5108.145,"sentiment":"neutral","sentiment_score":0.04069814793765545},{"text":"Just just for another four questions?","start":5108.205,"end":5110.305,"sentiment":"neutral","sentiment_score":0.004660384884725015}],"sentiment":"neutral","sentiment_score":0.0252289867028594,"num_words":20,"start":5098.39,"end":5110.305},{"sentences":[{"text":"Okay.","start":5111.4854,"end":5111.9854,"sentiment":"neutral","sentiment_score":0.03761907294392586},{"text":"I I can if you put me on loudspeaker, I can quickly run through these questions.","start":5113.54,"end":5117.4,"sentiment":"neutral","sentiment_score":0.054059616988524795},{"text":"Alright.","start":5126.6597,"end":5127.1597,"sentiment":"neutral","sentiment_score":0.08225589990615845},{"text":"Between each of you, how would you feel if in six months after investing with, say, RFP Financial, say, your super, for example, you find out that your portfolio has decreased by 20 due to general trends in the financial market?","start":5127.5054,"end":5140.305,"sentiment":"neutral","sentiment_score":-0.15384779570669663},{"text":"What would you do?","start":5140.305,"end":5141.31,"sentiment":"neutral","sentiment_score":-0.1332283727824688}],"sentiment":"neutral","sentiment_score":-0.09294990905457073,"num_words":63,"start":5111.4854,"end":5141.31},{"sentences":[{"text":"One, invest heavily expecting future growth.","start":5141.5503,"end":5144.37,"sentiment":"neutral","sentiment_score":-0.024596649532516796},{"text":"Invest modestly expecting future growth.","start":5144.75,"end":5147.07,"sentiment":"neutral","sentiment_score":0.029731952399015427},{"text":"Would you, three, hold and await improvement after speaking to your professional your financial professional, or would you tell me to get stuff to move everything to cash?","start":5147.07,"end":5155.97,"sentiment":"neutral","sentiment_score":-0.11579538110111441},{"text":"Two, invest two is invest modestly for growth.","start":5163.525,"end":5167.065,"sentiment":"neutral","sentiment_score":0.019123699283227324},{"text":"So invest modestly just to be wireless if the market's low expecting a further growth outcome.","start":5167.525,"end":5173.19,"sentiment":"neutral","sentiment_score":0.037937888177111745}],"sentiment":"neutral","sentiment_score":-0.03938404763383525,"num_words":63,"start":5141.5503,"end":5173.19},{"sentences":[{"text":"Yeah?","start":5175.73,"end":5176.23,"sentiment":"neutral","sentiment_score":0.018203385174274445},{"text":"Okay.","start":5176.29,"end":5176.79,"sentiment":"neutral","sentiment_score":0.015414492227137089},{"text":"And yourself, Madison?","start":5176.85,"end":5178.13,"sentiment":"neutral","sentiment_score":0.0075475918129086494},{"text":"Or yep.","start":5178.13,"end":5181.25,"sentiment":"neutral","sentiment_score":-0.007046724669635296},{"text":"Would you hold?","start":5181.25,"end":5182.47,"sentiment":"neutral","sentiment_score":-0.022022702420751255}],"sentiment":"neutral","sentiment_score":-0.002390090376138687,"num_words":10,"start":5175.73,"end":5182.47},{"sentences":[{"text":"You say the same?","start":5183.41,"end":5184.29,"sentiment":"neutral","sentiment_score":-0.009658333845436573},{"text":"Beautiful.","start":5184.29,"end":5184.77,"sentiment":"positive","sentiment_score":0.4860259294509888},{"text":"I've got one more question to ask both of you.","start":5184.77,"end":5187.195,"sentiment":"neutral","sentiment_score":0.033853618428111076},{"text":"How much oh, no.","start":5188.4746,"end":5189.835,"sentiment":"neutral","sentiment_score":-0.11889357678592205},{"text":"Not that one.","start":5189.835,"end":5190.815,"sentiment":"neutral","sentiment_score":-0.18013604978720346}],"sentiment":"neutral","sentiment_score":-0.010456985370679335,"num_words":22,"start":5183.41,"end":5190.815},{"sentences":[{"text":"How have you ever thought about taking out a loan to invest?","start":5190.9546,"end":5194.415,"sentiment":"neutral","sentiment_score":-0.09200482194622357},{"text":"One, you have borrowed or open to borrowing for stocks and funds like we talked about before, that $100 example?","start":5194.4746,"end":5201.935,"sentiment":"neutral","sentiment_score":-0.028009111247956752},{"text":"Or you have borrowed or open to borrowing for investment property, or you've only borrowed for your home.","start":5202.395,"end":5209.27,"sentiment":"neutral","sentiment_score":-0.03850317642920547},{"text":"Would you beautiful.","start":5210.125,"end":5217.83,"sentiment":"neutral","sentiment_score":0.17969582850734392},{"text":"But for yourself, would you go and leverage against your home, your family home to invest in shares if market was down or something like that?","start":5218.765,"end":5227.8853,"sentiment":"neutral","sentiment_score":-0.008630960857352385}],"sentiment":"neutral","sentiment_score":-0.025855883048210716,"num_words":79,"start":5190.9546,"end":5227.8853},{"sentences":[{"text":"Or Yeah.","start":5227.8853,"end":5230.145,"sentiment":"neutral","sentiment_score":0.0028497553430497638},{"text":"So sorry.","start":5230.205,"end":5232.97,"sentiment":"neutral","sentiment_score":-0.005314505659043789},{"text":"So have you ever thought about taking out a loan to invest?","start":5232.97,"end":5236.99,"sentiment":"neutral","sentiment_score":-0.00688729442966481},{"text":"One, you have borrowed or open to borrowing for stocks and funds?","start":5237.6104,"end":5243.6304,"sentiment":"neutral","sentiment_score":0.007431199541315436},{"text":"Three, have borrowed or open to borrowing or investment property.","start":5244.41,"end":5249.005,"sentiment":"neutral","sentiment_score":0.006588225811719894}],"sentiment":"neutral","sentiment_score":0.0017757794427636423,"num_words":38,"start":5227.8853,"end":5249.005},{"sentences":[{"text":"So borrowing against your home, that's it, to invest investment property.","start":5249.005,"end":5252.385,"sentiment":"neutral","sentiment_score":0.025780620561404663},{"text":"Or five oh, yeah.","start":5253.085,"end":5256.925,"sentiment":"neutral","sentiment_score":0.08445176249369979},{"text":"Okay.","start":5256.925,"end":5257.3247,"sentiment":"neutral","sentiment_score":0.19741296768188477},{"text":"Gotcha.","start":5257.3247,"end":5257.8047,"sentiment":"positive","sentiment_score":0.3373544216156006},{"text":"Perfect.","start":5257.8047,"end":5258.3047,"sentiment":"positive","sentiment_score":0.5780932903289795}],"sentiment":"neutral","sentiment_score":0.09634747532092863,"num_words":18,"start":5249.005,"end":5258.3047},{"sentences":[{"text":"And the follow the last question is thinking about the way you answered that last question, how would you how would taking out a loan to invest make you feel?","start":5258.85,"end":5267.75,"sentiment":"neutral","sentiment_score":0.13400319889187812},{"text":"Would you say that you're comfortable borrowing because you are aware of the risk and know how the potential of upside, but also know that you can lose a lot?","start":5267.81,"end":5276.0054,"sentiment":"neutral","sentiment_score":-0.05220917798578739},{"text":"Would you say that you're somewhat comfortable and cautious of the risk, or would you say that you're Cautious.","start":5276.305,"end":5283.285,"sentiment":"neutral","sentiment_score":-0.10068663229283534},{"text":"That's beautiful.","start":5283.745,"end":5284.4854,"sentiment":"positive","sentiment_score":0.5340887606143951},{"text":"Okay.","start":5285.2,"end":5285.7,"sentiment":"neutral","sentiment_score":0.15432514250278473}],"sentiment":"neutral","sentiment_score":0.021503381431102753,"num_words":82,"start":5258.85,"end":5285.7},{"sentences":[{"text":"With that, when is a suitable time?","start":5286.08,"end":5288.5,"sentiment":"neutral","sentiment_score":0.06819412537983485},{"text":"I'm gonna shoot you through an email, probably tomorrow morning.","start":5288.64,"end":5291.2,"sentiment":"neutral","sentiment_score":0.06680943109095097},{"text":"I know that my lovely fiance and Rikers, they're probably waiting for me.","start":5291.2,"end":5296.48,"sentiment":"neutral","sentiment_score":0.14294883436881578},{"text":"So I'm gonna have to run too.","start":5296.48,"end":5298.18,"sentiment":"neutral","sentiment_score":0.016676964770470346},{"text":"No.","start":5299.395,"end":5299.635,"sentiment":"negative","sentiment_score":-0.38592544198036194}],"sentiment":"neutral","sentiment_score":0.07196319333620761,"num_words":38,"start":5286.08,"end":5299.635},{"sentences":[{"text":"Don't be fine.","start":5299.635,"end":5300.695,"sentiment":"neutral","sentiment_score":-0.32143983741601306},{"text":"No.","start":5300.835,"end":5301.0747,"sentiment":"neutral","sentiment_score":-0.25217491388320923},{"text":"No.","start":5301.0747,"end":5301.235,"sentiment":"neutral","sentiment_score":-0.2531648874282837},{"text":"No.","start":5301.235,"end":5301.395,"sentiment":"neutral","sentiment_score":-0.28667452931404114},{"text":"Money never sleeps.","start":5301.395,"end":5302.5146,"sentiment":"neutral","sentiment_score":-0.31733042001724243}],"sentiment":"neutral","sentiment_score":-0.30092501143614453,"num_words":9,"start":5299.635,"end":5302.5146},{"sentences":[{"text":"It's very true saying in our world.","start":5302.5146,"end":5304.215,"sentiment":"neutral","sentiment_score":0.0027475434222391675},{"text":"So what I need to do is I'll send you through an email probably tomorrow morning just asking for some, you know, super statements, insurance, certificates as currency.","start":5305.715,"end":5314.33,"sentiment":"neutral","sentiment_score":0.07522949922297682},{"text":"And if you don't have them, that's okay.","start":5314.33,"end":5316.0303,"sentiment":"neutral","sentiment_score":0.025203936151228845},{"text":"Just send through what you can.","start":5316.49,"end":5317.95,"sentiment":"neutral","sentiment_score":0.16674233227968216},{"text":"And other than that, look, we have completed the initial consultation, so thank you for your time.","start":5318.25,"end":5323.1504,"sentiment":"neutral","sentiment_score":0.31583791313802495}],"sentiment":"neutral","sentiment_score":0.13177255740050564,"num_words":66,"start":5302.5146,"end":5323.1504},{"sentences":[{"text":"When is a good time, maybe in a couple of weeks, for me to give you a callback and, yeah, run through a bit of a bit of a recommendation statement?","start":5323.77,"end":5333.475,"sentiment":"neutral","sentiment_score":0.11755332783345253},{"text":"Maybe even the end of next week?","start":5333.775,"end":5335.475,"sentiment":"neutral","sentiment_score":0.06310149654746056},{"text":"That was 05:00.","start":5338.5747,"end":5339.695,"sentiment":"neutral","sentiment_score":0.009538840812941393},{"text":"It sounds like 05:00 knowing your your your your wage and your your your permanent part time is a e n, aren't you?","start":5339.695,"end":5349.58,"sentiment":"neutral","sentiment_score":-0.00046838129587147546},{"text":"RN.","start":5351.56,"end":5352.04,"sentiment":"neutral","sentiment_score":-0.005354695953428745}],"sentiment":"neutral","sentiment_score":0.06305157992845545,"num_words":65,"start":5323.77,"end":5352.04},{"sentences":[{"text":"Sorry.","start":5352.04,"end":5352.44,"sentiment":"neutral","sentiment_score":-0.02304656058549881},{"text":"Yep.","start":5352.44,"end":5352.94,"sentiment":"neutral","sentiment_score":-0.003791187424212694},{"text":"RN.","start":5354.36,"end":5354.86,"sentiment":"neutral","sentiment_score":-0.01041271723806858},{"text":"I'm sorry.","start":5355.965,"end":5356.605,"sentiment":"neutral","sentiment_score":-0.0314965583384037},{"text":"I didn't I didn't need to ask this.","start":5356.605,"end":5358.2046,"sentiment":"neutral","sentiment_score":-0.03726184740662575}],"sentiment":"neutral","sentiment_score":-0.030641412398276422,"num_words":13,"start":5352.04,"end":5358.2046},{"sentences":[{"text":"What is your wage per annum?","start":5358.2046,"end":5360.385,"sentiment":"neutral","sentiment_score":-0.015303141592691341},{"text":"Yeah.","start":5361.965,"end":5362.465,"sentiment":"neutral","sentiment_score":-0.027456220239400864},{"text":"That's okay.","start":5368.94,"end":5369.6,"sentiment":"neutral","sentiment_score":-0.024476774036884308},{"text":"What would you say it would be normally?","start":5370.14,"end":5372.08,"sentiment":"neutral","sentiment_score":-0.03396459366194904},{"text":"Okay.","start":5376.3804,"end":5376.7803,"sentiment":"neutral","sentiment_score":0.1247292011976242}],"sentiment":"neutral","sentiment_score":-0.01751200922040476,"num_words":18,"start":5358.2046,"end":5376.7803},{"sentences":[{"text":"Good.","start":5376.7803,"end":5377.2803,"sentiment":"neutral","sentiment_score":0.22735470533370972},{"text":"And because you're with q super and you're working in Queensland as a RN, do you get the extra super benefits, your salary sacrifice, and all of that?","start":5378.94,"end":5387.6055,"sentiment":"neutral","sentiment_score":0.04154802566128118},{"text":"Or 5%.","start":5387.6055,"end":5391.785,"sentiment":"neutral","sentiment_score":-0.012067103758454323},{"text":"Yep.","start":5393.0454,"end":5393.5454,"sentiment":"neutral","sentiment_score":0.02424691990017891},{"text":"Yeah.","start":5401.66,"end":5402.16,"sentiment":"neutral","sentiment_score":0.006685793399810791}],"sentiment":"neutral","sentiment_score":0.04234842211008072,"num_words":33,"start":5376.7803,"end":5402.16},{"sentences":[{"text":"Yeah.","start":5405.18,"end":5405.5,"sentiment":"neutral","sentiment_score":0.019890472292900085},{"text":"So you get you do about 5% because 5% ends up getting you an extra kind of 4% match by the government.","start":5405.5,"end":5412.335,"sentiment":"neutral","sentiment_score":0.022702646695754745},{"text":"Right?","start":5412.395,"end":5412.895,"sentiment":"neutral","sentiment_score":0.02672554738819599},{"text":"So it's worth it.","start":5413.355,"end":5414.395,"sentiment":"neutral","sentiment_score":0.12354656215757132},{"text":"Yeah.","start":5414.395,"end":5414.635,"sentiment":"neutral","sentiment_score":0.2207688540220261}],"sentiment":"neutral","sentiment_score":0.04348377067724179,"num_words":29,"start":5405.18,"end":5414.635},{"sentences":[{"text":"It's worth it.","start":5414.635,"end":5415.695,"sentiment":"neutral","sentiment_score":0.30692028999328613},{"text":"Perfect.","start":5415.755,"end":5416.235,"sentiment":"positive","sentiment_score":0.5764425992965698},{"text":"And you that's that's all good.","start":5416.235,"end":5419.435,"sentiment":"positive","sentiment_score":0.5234499275684357},{"text":"That's all good.","start":5419.435,"end":5420.31,"sentiment":"positive","sentiment_score":0.4840480883916219},{"text":"Yeah.","start":5421.83,"end":5422.23,"sentiment":"neutral","sentiment_score":0.1255210041999817}],"sentiment":"positive","sentiment_score":0.4439691645758493,"num_words":14,"start":5414.635,"end":5422.23},{"sentences":[{"text":"Look.","start":5422.23,"end":5422.47,"sentiment":"neutral","sentiment_score":0.10498231649398804},{"text":"That's that.","start":5422.47,"end":5423.27,"sentiment":"neutral","sentiment_score":0.08257091790437698},{"text":"When's a good time?","start":5423.27,"end":5424.23,"sentiment":"neutral","sentiment_score":0.0596659192815423},{"text":"I'm looking at does 05:00 in the afternoon suit you guys?","start":5424.23,"end":5427.11,"sentiment":"neutral","sentiment_score":0.027872853997078808},{"text":"It sounds like you're busy with the kids, but I'm assuming you're working on Final Pass.","start":5427.11,"end":5430.73,"sentiment":"neutral","sentiment_score":0.016215416369959712}],"sentiment":"neutral","sentiment_score":0.031612820156356865,"num_words":34,"start":5422.23,"end":5430.73},{"sentences":[{"text":"What about next week?","start":5434.295,"end":5435.6753,"sentiment":"neutral","sentiment_score":0.04749075323343277},{"text":"What about next week Tuesday, 5PM?","start":5436.6953,"end":5438.955,"sentiment":"neutral","sentiment_score":0.03546890802681446},{"text":"Not a problem.","start":5442.295,"end":5442.855,"sentiment":"neutral","sentiment_score":0.1728939265012741},{"text":"I'll send you a calendar invite.","start":5442.855,"end":5444.2153,"sentiment":"neutral","sentiment_score":0.17659498999516168},{"text":"Do you have any questions for me?","start":5444.2153,"end":5445.915,"sentiment":"neutral","sentiment_score":0.09054182629500117}],"sentiment":"neutral","sentiment_score":0.10057003710132378,"num_words":26,"start":5434.295,"end":5445.915},{"sentences":[{"text":"That's alright.","start":5449.89,"end":5450.61,"sentiment":"neutral","sentiment_score":0.019564584828913212},{"text":"They've they've dealt with it for a very long time.","start":5450.61,"end":5453.25,"sentiment":"neutral","sentiment_score":-0.1602277398109436},{"text":"So trust me, it's it's something that's pretty common.","start":5453.25,"end":5456.39,"sentiment":"neutral","sentiment_score":-0.06423244790898429},{"text":"So I think financial statement of advice and scores.","start":5457.01,"end":5460.53,"sentiment":"neutral","sentiment_score":-0.008313955118258795},{"text":"And yeah.","start":5460.53,"end":5461.41,"sentiment":"neutral","sentiment_score":0.28705036640167236}],"sentiment":"neutral","sentiment_score":-0.051311410090420395,"num_words":32,"start":5449.89,"end":5461.41},{"sentences":[{"text":"Look.","start":5461.41,"end":5461.65,"sentiment":"positive","sentiment_score":0.4140574336051941},{"text":"Thanks for reaching out.","start":5461.65,"end":5462.85,"sentiment":"positive","sentiment_score":0.8001894801855087},{"text":"Look forward to speaking to you in a week, hon.","start":5462.85,"end":5467.3833,"sentiment":"positive","sentiment_score":0.523829385638237},{"text":"No problem.","start":5467.3833,"end":5467.837,"sentiment":"positive","sentiment_score":0.40252622961997986},{"text":"See you guys later.","start":5467.837,"end":5468.757,"sentiment":"positive","sentiment_score":0.5537277385592461}],"sentiment":"positive","sentiment_score":0.565384410676502,"num_words":21,"start":5461.41,"end":5468.757},{"sentences":[{"text":"Enjoy the night.","start":5468.757,"end":5469.397,"sentiment":"positive","sentiment_score":0.6799068649609884},{"text":"Bye.","start":5469.397,"end":5469.897,"sentiment":"neutral","sentiment_score":0.2629302144050598}],"sentiment":"positive","sentiment_score":0.5756627023220062,"num_words":4,"start":5468.757,"end":5469.897}]}}]},{"alternatives":[{"transcript":"Hello? Yes. It is. Good. Thank you. How are you? Even better. Yeah. Yeah. It's okay. Perfect. What's that? Sorry? Yeah. It's just a little bit muffled. Yeah. Perfect. Yeah. I think that's a bit better. Yes. Perfect. That's correct. And he's named Elliot. I could ask him. Yeah. Definitely. Thank you. I I was actually because I listened to a few financial podcasts. I listened to Victoria Devine and who's the other one? Money Money Money? Forgot his name. And they they recommend Sky Sky Wealth. But on speaking to Elliot, I heard about you guys, and he said you didn't even charge, like, a fee. They charge, like, a $450 fee to have a look at yeah. Sorry. We've got two little kids here. Yeah. And I I thought I'd I'd give you guys a go and see how we go from there. Cheers. Yep. Yeah. That's fantastic. So even if we do go with insurance through our own supers, they still give you money? Yep. Yep. That's correct. Yeah. I want them definitely individualized. Yeah. I I do have q $2. None. Yep. Yep. Yes. What's the sorry. What was the name of it? Okay. Yep. Yep. Yeah. Definitely. Yep. Yeah. Yes. You just said Do you mind? Sorry. Sure. Brandon will give me the key. And I I can do the talking because I I do most of the financial stuff anyway. He's out there only two and nine months, so they're very loud. Yeah. That's exactly right. Yes. Sorry. What what did you say again? So if you if Yeah. Yeah. Yeah. Sure. Yes. Yep. Yep. Yes. Taking debt of money. Yes. Yes. I know the different types. There's, like, total total death income and trauma. Yes. Yes. Yes. Yes. I think the trauma one would be good outside to to include the kids. Yep. And what would be things that you would be can I ask, like, what sort of things you would be claiming for with that? Yeah. Yes. Yep. Any any sort of child illness. Yes. Yes. Yes. Okay. Yep. Yeah. Yeah. That that does. Yeah. Yeah. Just at the moment, yeah. Once we get a little bit more financially stable, yeah, we would look into, like, doing some other stuff because we are wanting to get some investment properties. We just gotta work out a bit of debt first. Just got a a car loan and and that. So we wanna pay them off before we can look further into that. Sorry. When did you send it? Oh, here we go. I will maybe open the attachment. Is this the email that you sent on Wednesday? Oh, today. Sorry. Okay. Hold on. Oh, sorry. It went to my junk. Of course. There we go. It's not junk. Yep. And it's so cold. Yep. Yep. Oh, yeah. Definitely. Yes. No. Oh, that's crazy. Oh, wow. No. My mom thinks my mom thinks life insurance is a waste of money. And I think everyone in that era does. Yes. Yeah. Especially when you don't have it personalized. Yeah. I'm still paying for it, but nothing there'll be so many hoops to jump through when if something did happen. Yeah. Self insured. Yep. Yeah. Yep. Yep. And I got and every year that goes on, we've obviously paid more of the the house, and it would go down. And then your premium should go down as well. But if you don't get it reviewed, you're still paying a lot. Yeah. Yes. Yeah. All the way inside North Queensland. Yep. Oh, lovely. Fantastic. Yep. I'm looking. Yep. Yes. Yes. Yes. Yes. Yep. Yeah. Yes. Yeah. That makes sense. Yep. Yes. Yes. Yes. Yep. Yes. Yes. Yes. Carlos. Yep. Yeah. Yeah. Yep. O p m. Oh, no. Yep. Yep. Yes. Seven. Yeah. Yeah. What's that code? You're right. I've never heard yeah. That's that's a bit confusing, but, yeah, it does make sense. And I have heard a little bit of it on that money money money podcast, but, yeah, that's very selfish. But we're not there yet, so we've I've got a bit of time to study on that one. Yeah. Yeah. We are. Yep. The we owe 490,000. Well, I reckon we've done a bit of we've done some reno's on the garden and one bath one of the bathrooms. So and I reckon it's gone up a bit. So I think we last got evaluated at 07:50. Yeah. No. It's with midwinter, so it's lovely. It's perfect weather now. Like, jacket in the morning, and now I'm in just in, like, a crop top and shorts. Oh, how nice. We we love Ellie. We often go down there camping. Yeah. Yeah. That's okay. God. It's lovely. Yep. Wow. That's crazy. Yep. Yes. Thank you. Twelve years. Well, we're probably we're we're probably a few years behind that having $60 debt in the car. I I hide it. I hide having dead in a car. I think it was about that. I think it was 57. Yeah. And it's a a Toyota Hilux, but it's our family car. We go camping in it. It it does do us good, And it's the only car we have. Yeah. Exactly. My partner said 65. Yeah. I think that's what he said. Friendly Car Warehouse, you reckon if we sold it, 65. Yes. Yes. Of the house or the car? Both. Yes. The car, we pay what was the car, Brandon? 300 a week. $303 a week. K. It it's 06:00. I should know this because I was gonna call our mortgage broker off because I wanna have a look at it because he said once I'm back from maternity leave, we can do a few things with it. But it was because I was having babies that we couldn't so we paid $8,815. $8,814 a week for that one, and that's at 6.39. 4 8 9 Valley Street, V A R L E Y. Yorkie Knob. Two handed. Yeah. Yeah. Yep. But wouldn't we be paying more interest over time? Yep. That's a good question. Brenda, what's the interest on the car? Is it none? I think it's nine. I think. You could you could even invest $200 a fucking week. Yeah. That makes so much sense. Yeah. We don't, and that's what I wanted to set up because we also do my mom helped us get this house. So we owe her $40, which I have started saving $3.50 a fortnight for. So that would pay her over I think it's about four years. And I wanted to put that in she's happy for us to put that in our offset account. So that's where the no. We don't. But I was gonna start one when I went and spoke with the mortgage broker. Yes. Yes. Fortnight. Yeah. Yeah. Brandon. Yeah. Yeah. Yeah. Correct. That's why I did wanna set that up. And we also save about 250 a fortnight for holidays, so that would be in another offset if we could. Yes. Lovely. Is that something you would do with the car? I just didn't think that would be a good idea because it is a depreciating value, and you're putting it on your house, which yeah. It's And I and I'm I was thinking, like, if we wanted to take the equity and buy another property, it would be better if we didn't have it on the house. Yes. Yep. Yep. Yes. Yep. Okay. That makes the sense. Yeah. Yep. Definitely. Yep. Yeah. Mhmm. Yep. Yeah. Yeah. Okay. Yeah. Yeah. Definitely. Yeah. Yep. Yep. Yes. Yes. Yes. Last name? Yes. Yes. Yes. Yeah. It was. I have not looked into it. No. Yep. Yep. That's awesome. That's yeah. That that's crazy. Yep. Okay. Yep. Yes. Yep. Yes. Yes. Yep. So with the with this if you do the soup just the super oh, just oh, sorry. Not the super. Just the insurances. You still take money at each year? Is that right? Yes. Yeah. Yeah. Yeah. Yeah. Okay. That's very confusing. Yep. Yeah. Okay. Yeah. Yeah. Yeah. Yeah. I'm thinking yes. Just the insurances for now. Yes. What's the implementation fee again? Sorry. Yes. Yep. Yep. Yep. Yep. Okay. Perfect. Yep. Yes, Yes. No. No questions so far. If if we do change our mind and want to go on to a few of our other things, we can we can do that at another time, can we? Yeah. Yep. Yes. Yep. Yeah. That makes sense. Perfect. And the that $4 from your super isn't actually paid until you actually start playing with our supers? Of course. Sounds good to me. Perfect. Sounds good. Yeah. Yeah. Yep. Mine's the tenth of the eleventh nineteen ninety seven, and Brendan's is thirtieth of the first nineteen ninety seven. Yeah. On the fourth. Yep. Yep. Definitely. No. We're not married yet. Just haven't had the financials to do it. That's the issue. Oh, that's awesome. Yeah. No. Same. So I'm an emergency nurse in ED. Oh, in kids. My gosh. My brain's not working at this time of the day. Oh, it's crazy. He's just downstairs with the kids. He's a excavator operator. 12 meters at heart. Sometimes, like, on the edge of a cliff, but, like, not often. Both of us. Yeah. Yeah. Go for it. Yeah. Yeah. Just go shopping. Brandon, there's a question. Do you work above 12 meters high? Oh, jeez. Twenty twenty eight plus is 12 meters hot, though. It's like yeah. So, like I said, at the moment, we're doing a road on the side of a side of a hill, side of side of a mountain pretty much, and, like, you know, down off the edge of the hill is a big it's a big drop. 12 meters. It's probably it's probably 35 meters in the air, but it's the drop it's not a sheer drop down. It's pretty steep, but No. Not a shift with it. Yeah. It might yeah. It might be steep, but it's not a it's not a sheer drop. Technically, I don't work at heights. No. No. No. Nothing like that. No. Jobs don't allow that. Civil, we do we do all sorts. Civil, council work, rock walls. We, like, yeah, we do a vast variety of stuff, marine stuff, like some stuff in the water. Oh, not so like the the rock walls we're doing is it's not like, we're not exceeding open shore. Yeah. So we go out 10 meters out in. Yes. Open shore, we go out about 10 meters into the water, and it's only a meter and a half deep. So there's no yeah. Yeah. That's I'm I'm employed. Yeah. I have the ticket, what card yeah. Got it. Marino plant, Ohio. Can you talk me over the window, please, Michael? Oh, loud. There we go. Yeah. And the service, I think, six six or six or seven years. Six or seven years, I think, roughly. Yeah. Full time. Yep. Yeah. Most weeks, it's fifty, sometimes sixty of weeks. Well, last year, I earned 90 last financial year was 97,000 or less, I think. K. No. Well, that's alright. I think it's super because that's that's just what it says on the end of the financial year tax return thing. I'm not sure whether it's yeah. And if possible. Yeah. Three bus super. Yeah. Yeah. No. No. No. I'm gonna say no. I should probably find out, but I don't think we do. No. No. No. The past twelve months. No. No. Come on. What's that? Oh, you're giving me five times now. My god. It's terrible. He's got asthma. Oh, yeah. He's got eczema. Well, it's a low low pressure for asthma. And he's had a few skin cancers cut out. Oh, no. They weren't fully skin cancers. Sorry. They were just BBSs or the basal carcinomas, BCCs. Yep. Yep. No. This is why I have medicine around because I get these things. No. No medication. No problem. No problem. Oh, it's probably helping too. Oh, that's extras. Extras. Yeah. Oh, it was a hundred and eighty what was it? What's your question? What's how how tall am I measuring it? A hundred and eighty seven? Yep. Hundred and eighty seven centimeters? No. Yeah. Seven. And nineteen six kilos? What's your height? Right? A hundred and seventy three centimeters. Hundred and seventy three. And then sixty six kilos. No. I've just been diagnosed with ADHD, and I take sex amphetamine. Yeah. I reckon it might be I also say I'm gonna I just got the script today. I'm gonna try the long acting one, but it's, yeah, same medication. It is a super power. This is how you started your own business. Yeah. No. We do need to get that sorted too. Yep. Yeah. Okay. I'm probably medium high. Brandon would be high high. Oh, yes. I'm do I'm aware of it. I just haven't oh, well, we've got a little we've got we invest $20. It sounds like nothing, $20 a week. But I just wanted to get into March. But I'm I'm aware of the fluctuations. Yes. No. I've got it on Sharesies, and I've got it as an auto invest. I had look. I have no idea when I set it up. I'm not gonna lie. But yep. So I've got I've got I think I've got two lots of ETFs. So let's see what's okay. There you go. So there I've got some in is it NASH? No. Right. ASX? It's iShares S and P five hundred ETF Australia. Oh, sorry. That's IVV. Okay. The first acronym. Sorry. And and then and then I've got Vanguard High Dividend Yield as well, v y n. Oh, sorry. It's b y m. Yeah. Yeah. Oh, wow. Let me work that out. What would be so I've got I've got a I've got a 110. Yep. Yeah. Yeah. A little bit. Is that is that bad? That's true. So yeah. Like, it Yep. Yep. We'll take 25. Yeah. He's he'll be the same. Yeah. He's he's in the bath. I'll I'll I'll ask him. Yeah. He's go for it. Two? Oh, it's two. K. Myself? Outside this time. Yep. You would. I know you would. He he would take money from the bank and invest it. Yeah. Yeah. Oh, against your phone? Alright. Go go to the question again. What was the question again? I'll invest in investment properties. Yes. Yes. Yeah. I'd take cautious. Of course. I'm so sorry for taking up your time. RN. Yep. My weight? So because I've been on maternity leave. It's been quite down in the last three years. I haven't been on maternity leave. It should be around 110 this year, I reckon. Yes. So I'm salary sacrificing three hundred and 50 a week. I'm also salary sacrificing I think it's a percentage of my pay in extra into my super on top of the I think they do a bit extra anyway as well. I think so. Yeah. That's perfect. Five o'clock's good. Yep. Perfect. Tuesday. No. That's it for now. I'll let you go to your family. Perfect. Thank you so much. 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Yes. It is. Good. Thank you.\n\nHow are you? Even better. Yeah. Yeah. It's okay.\n\nPerfect. What's that? Sorry? Yeah. It's just a little bit muffled.\n\nYeah. Perfect. Yeah. I think that's a bit better. Yes.\n\nPerfect. That's correct. And he's named Elliot. I could ask him. Yeah.\n\nDefinitely. Thank you. I I was actually because I listened to a few financial podcasts. I listened to Victoria Devine and who's the other one? Money Money Money?\n\nForgot his name. And they they recommend Sky Sky Wealth. But on speaking to Elliot, I heard about you guys, and he said you didn't even charge, like, a fee. They charge, like, a $450 fee to have a look at yeah. Sorry.\n\nWe've got two little kids here. Yeah. And I I thought I'd I'd give you guys a go and see how we go from there. Cheers. Yep.\n\nYeah. That's fantastic. So even if we do go with insurance through our own supers, they still give you money? Yep. Yep.\n\nThat's correct. Yeah. I want them definitely individualized. Yeah. I I do have q $2.\n\nNone. Yep. Yep. Yes. What's the sorry.\n\nWhat was the name of it? Okay. Yep. Yep. Yeah.\n\nDefinitely. Yep. Yeah. Yes. You just said Do you mind?\n\nSorry. Sure. Brandon will give me the key. And I I can do the talking because I I do most of the financial stuff anyway. He's out there only two and nine months, so they're very loud.\n\nYeah. That's exactly right. Yes. Sorry. What what did you say again?\n\nSo if you if Yeah. Yeah. Yeah. Sure. Yes.\n\nYep. Yep. Yes. Taking debt of money. Yes.\n\nYes. I know the different types. There's, like, total total death income and trauma. Yes. Yes.\n\nYes. Yes. I think the trauma one would be good outside to to include the kids. Yep. And what would be things that you would be can I ask, like, what sort of things you would be claiming for with that?\n\nYeah. Yes. Yep. Any any sort of child illness. Yes.\n\nYes. Yes. Okay. Yep. Yeah.\n\nYeah. That that does. Yeah. Yeah. Just at the moment, yeah.\n\nOnce we get a little bit more financially stable, yeah, we would look into, like, doing some other stuff because we are wanting to get some investment properties. We just gotta work out a bit of debt first. Just got a a car loan and and that. So we wanna pay them off before we can look further into that. Sorry.\n\nWhen did you send it? Oh, here we go. I will maybe open the attachment. Is this the email that you sent on Wednesday? Oh, today.\n\nSorry. Okay. Hold on. Oh, sorry. It went to my junk.\n\nOf course. There we go. It's not junk. Yep. And it's so cold.\n\nYep. Yep. Oh, yeah. Definitely. Yes.\n\nNo. Oh, that's crazy. Oh, wow. No. My mom thinks my mom thinks life insurance is a waste of money.\n\nAnd I think everyone in that era does. Yes. Yeah. Especially when you don't have it personalized. Yeah.\n\nI'm still paying for it, but nothing there'll be so many hoops to jump through when if something did happen. Yeah. Self insured. Yep. Yeah.\n\nYep. Yep. And I got and every year that goes on, we've obviously paid more of the the house, and it would go down. And then your premium should go down as well. But if you don't get it reviewed, you're still paying a lot.\n\nYeah. Yes. Yeah. All the way inside North Queensland. Yep.\n\nOh, lovely. Fantastic. Yep. I'm looking. Yep.\n\nYes. Yes. Yes. Yes. Yep.\n\nYeah. Yes. Yeah. That makes sense. Yep.\n\nYes. Yes. Yes. Yep. Yes.\n\nYes. Yes. Carlos. Yep. Yeah.\n\nYeah. Yep. O p m. Oh, no. Yep.\n\nYep. Yes. Seven. Yeah. Yeah.\n\nWhat's that code? You're right. I've never heard yeah. That's that's a bit confusing, but, yeah, it does make sense. And I have heard a little bit of it on that money money money podcast, but, yeah, that's very selfish.\n\nBut we're not there yet, so we've I've got a bit of time to study on that one. Yeah. Yeah. We are. Yep.\n\nThe we owe 490,000. Well, I reckon we've done a bit of we've done some reno's on the garden and one bath one of the bathrooms. So and I reckon it's gone up a bit. So I think we last got evaluated at 07:50. Yeah.\n\nNo. It's with midwinter, so it's lovely. It's perfect weather now. Like, jacket in the morning, and now I'm in just in, like, a crop top and shorts. Oh, how nice.\n\nWe we love Ellie. We often go down there camping. Yeah. Yeah. That's okay.\n\nGod. It's lovely. Yep. Wow. That's crazy.\n\nYep. Yes. Thank you. Twelve years. Well, we're probably we're we're probably a few years behind that having $60 debt in the car.\n\nI I hide it. I hide having dead in a car. I think it was about that. I think it was 57. Yeah.\n\nAnd it's a a Toyota Hilux, but it's our family car. We go camping in it. It it does do us good, And it's the only car we have. Yeah. Exactly.\n\nMy partner said 65. Yeah. I think that's what he said. Friendly Car Warehouse, you reckon if we sold it, 65. Yes.\n\nYes. Of the house or the car? Both. Yes. The car, we pay what was the car, Brandon?\n\n300 a week. $303 a week. K. It it's 06:00. I should know this because I was gonna call our mortgage broker off because I wanna have a look at it because he said once I'm back from maternity leave, we can do a few things with it.\n\nBut it was because I was having babies that we couldn't so we paid $8,815. $8,814 a week for that one, and that's at 6.39. 4 8 9 Valley Street, V A R L E Y. Yorkie Knob. Two handed.\n\nYeah. Yeah. Yep. But wouldn't we be paying more interest over time? Yep.\n\nThat's a good question. Brenda, what's the interest on the car? Is it none? I think it's nine. I think.\n\nYou could you could even invest $200 a fucking week. Yeah. That makes so much sense. Yeah. We don't, and that's what I wanted to set up because we also do my mom helped us get this house.\n\nSo we owe her $40, which I have started saving $3.50 a fortnight for. So that would pay her over I think it's about four years. And I wanted to put that in she's happy for us to put that in our offset account. So that's where the no. We don't.\n\nBut I was gonna start one when I went and spoke with the mortgage broker. Yes. Yes. Fortnight. Yeah.\n\nYeah. Brandon. Yeah. Yeah. Yeah.\n\nCorrect. That's why I did wanna set that up. And we also save about 250 a fortnight for holidays, so that would be in another offset if we could. Yes. Lovely.\n\nIs that something you would do with the car? I just didn't think that would be a good idea because it is a depreciating value, and you're putting it on your house, which yeah. It's And I and I'm I was thinking, like, if we wanted to take the equity and buy another property, it would be better if we didn't have it on the house. Yes. Yep.\n\nYep. Yes. Yep. Okay. That makes the sense.\n\nYeah. Yep. Definitely. Yep. Yeah.\n\nMhmm. Yep. Yeah. Yeah. Okay.\n\nYeah. Yeah. Definitely. Yeah. Yep.\n\nYep. Yes. Yes. Yes. Last name?\n\nYes. Yes. Yes. Yeah. It was.\n\nI have not looked into it. No. Yep. Yep. That's awesome.\n\nThat's yeah. That that's crazy. Yep. Okay. Yep.\n\nYes. Yep. Yes. Yes. Yep.\n\nSo with the with this if you do the soup just the super oh, just oh, sorry. Not the super. Just the insurances. You still take money at each year? Is that right?\n\nYes. Yeah. Yeah. Yeah. Yeah.\n\nOkay. That's very confusing. Yep. Yeah. Okay.\n\nYeah. Yeah. Yeah. Yeah. I'm thinking yes.\n\nJust the insurances for now. Yes. What's the implementation fee again? Sorry. Yes.\n\nYep. Yep. Yep. Yep. Okay.\n\nPerfect. Yep. Yes, Yes. No. No questions so far.\n\nIf if we do change our mind and want to go on to a few of our other things, we can we can do that at another time, can we? Yeah. Yep. Yes. Yep.\n\nYeah. That makes sense. Perfect. And the that $4 from your super isn't actually paid until you actually start playing with our supers? Of course.\n\nSounds good to me. Perfect. Sounds good. Yeah. Yeah.\n\nYep. Mine's the tenth of the eleventh nineteen ninety seven, and Brendan's is thirtieth of the first nineteen ninety seven. Yeah. On the fourth. Yep.\n\nYep. Definitely. No. We're not married yet. Just haven't had the financials to do it.\n\nThat's the issue. Oh, that's awesome. Yeah. No. Same.\n\nSo I'm an emergency nurse in ED. Oh, in kids. My gosh. My brain's not working at this time of the day. Oh, it's crazy.\n\nHe's just downstairs with the kids. He's a excavator operator. 12 meters at heart. Sometimes, like, on the edge of a cliff, but, like, not often. Both of us.\n\nYeah. Yeah. Go for it. Yeah. Yeah.\n\nJust go shopping. Brandon, there's a question. Do you work above 12 meters high? Oh, jeez. Twenty twenty eight plus is 12 meters hot, though.\n\nIt's like yeah. So, like I said, at the moment, we're doing a road on the side of a side of a hill, side of side of a mountain pretty much, and, like, you know, down off the edge of the hill is a big it's a big drop. 12 meters. It's probably it's probably 35 meters in the air, but it's the drop it's not a sheer drop down. It's pretty steep, but No.\n\nNot a shift with it. Yeah. It might yeah. It might be steep, but it's not a it's not a sheer drop. Technically, I don't work at heights.\n\nNo. No. No. Nothing like that. No.\n\nJobs don't allow that. Civil, we do we do all sorts. Civil, council work, rock walls. We, like, yeah, we do a vast variety of stuff, marine stuff, like some stuff in the water. Oh, not so like the the rock walls we're doing is it's not like, we're not exceeding open shore.\n\nYeah. So we go out 10 meters out in. Yes. Open shore, we go out about 10 meters into the water, and it's only a meter and a half deep. So there's no yeah.\n\nYeah. That's I'm I'm employed. Yeah. I have the ticket, what card yeah. Got it.\n\nMarino plant, Ohio. Can you talk me over the window, please, Michael? Oh, loud. There we go. Yeah.\n\nAnd the service, I think, six six or six or seven years. Six or seven years, I think, roughly. Yeah. Full time. Yep.\n\nYeah. Most weeks, it's fifty, sometimes sixty of weeks. Well, last year, I earned 90 last financial year was 97,000 or less, I think. K. No.\n\nWell, that's alright. I think it's super because that's that's just what it says on the end of the financial year tax return thing. I'm not sure whether it's yeah. And if possible. Yeah.\n\nThree bus super. Yeah. Yeah. No. No.\n\nNo. I'm gonna say no. I should probably find out, but I don't think we do. No. No.\n\nNo. The past twelve months. No. No. Come on.\n\nWhat's that? Oh, you're giving me five times now. My god. It's terrible. He's got asthma.\n\nOh, yeah. He's got eczema. Well, it's a low low pressure for asthma. And he's had a few skin cancers cut out. Oh, no.\n\nThey weren't fully skin cancers. Sorry. They were just BBSs or the basal carcinomas, BCCs. Yep. Yep.\n\nNo. This is why I have medicine around because I get these things. No. No medication. No problem.\n\nNo problem. Oh, it's probably helping too. Oh, that's extras. Extras. Yeah.\n\nOh, it was a hundred and eighty what was it? What's your question? What's how how tall am I measuring it? A hundred and eighty seven? Yep.\n\nHundred and eighty seven centimeters? No. Yeah. Seven. And nineteen six kilos?\n\nWhat's your height? Right? A hundred and seventy three centimeters. Hundred and seventy three. And then sixty six kilos.\n\nNo. I've just been diagnosed with ADHD, and I take sex amphetamine. Yeah. I reckon it might be I also say I'm gonna I just got the script today. I'm gonna try the long acting one, but it's, yeah, same medication.\n\nIt is a super power. This is how you started your own business. Yeah. No. We do need to get that sorted too.\n\nYep. Yeah. Okay. I'm probably medium high. Brandon would be high high.\n\nOh, yes. I'm do I'm aware of it. I just haven't oh, well, we've got a little we've got we invest $20. It sounds like nothing, $20 a week. But I just wanted to get into March.\n\nBut I'm I'm aware of the fluctuations. Yes. No. I've got it on Sharesies, and I've got it as an auto invest. I had look.\n\nI have no idea when I set it up. I'm not gonna lie. But yep. So I've got I've got I think I've got two lots of ETFs. So let's see what's okay.\n\nThere you go. So there I've got some in is it NASH? No. Right. ASX?\n\nIt's iShares S and P five hundred ETF Australia. Oh, sorry. That's IVV. Okay. The first acronym.\n\nSorry. And and then and then I've got Vanguard High Dividend Yield as well, v y n. Oh, sorry. It's b y m. Yeah.\n\nYeah. Oh, wow. Let me work that out. What would be so I've got I've got a I've got a 110. Yep.\n\nYeah. Yeah. A little bit. Is that is that bad? That's true.\n\nSo yeah. Like, it Yep. Yep. We'll take 25. Yeah.\n\nHe's he'll be the same. Yeah. He's he's in the bath. I'll I'll I'll ask him. Yeah.\n\nHe's go for it. Two? Oh, it's two. K. Myself?\n\nOutside this time. Yep. You would. I know you would. He he would take money from the bank and invest it.\n\nYeah. Yeah. Oh, against your phone? Alright. Go go to the question again.\n\nWhat was the question again? I'll invest in investment properties. Yes. Yes. Yeah.\n\nI'd take cautious. Of course. I'm so sorry for taking up your time. RN. Yep.\n\nMy weight? So because I've been on maternity leave. It's been quite down in the last three years. I haven't been on maternity leave. It should be around 110 this year, I reckon.\n\nYes. So I'm salary sacrificing three hundred and 50 a week. I'm also salary sacrificing I think it's a percentage of my pay in extra into my super on top of the I think they do a bit extra anyway as well. I think so. Yeah.\n\nThat's perfect. Five o'clock's good. Yep. Perfect. Tuesday.\n\nNo. That's it for now. I'll let you go to your family. Perfect. Thank you so much.\n\nBye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":4.0,"end":4.4,"sentiment":"neutral","sentiment_score":0.0042451051995158195},{"text":"Yes.","start":4.4,"end":4.72,"sentiment":"neutral","sentiment_score":0.020655207335948944},{"text":"It is.","start":4.72,"end":5.38,"sentiment":"neutral","sentiment_score":0.0277534993365407},{"text":"Good.","start":9.92,"end":10.24,"sentiment":"positive","sentiment_score":0.3528059124946594},{"text":"Thank you.","start":10.24,"end":10.639999,"sentiment":"positive","sentiment_score":0.4626789391040802}],"sentiment":"neutral","sentiment_score":0.194081585987338,"num_words":7,"start":4.0,"end":10.639999},{"sentences":[{"text":"How are you?","start":10.639999,"end":11.46,"sentiment":"neutral","sentiment_score":0.25898517668247223},{"text":"Even better.","start":19.535,"end":20.435,"sentiment":"neutral","sentiment_score":0.13198800384998322},{"text":"Yeah.","start":26.7,"end":27.2,"sentiment":"neutral","sentiment_score":0.06849847733974457},{"text":"Yeah.","start":33.127502,"end":33.627502,"sentiment":"neutral","sentiment_score":-0.06714135408401489},{"text":"It's okay.","start":39.555,"end":47.307503,"sentiment":"neutral","sentiment_score":0.12335254158824684}],"sentiment":"neutral","sentiment_score":0.1432215271310674,"num_words":9,"start":10.639999,"end":47.307503},{"sentences":[{"text":"Perfect.","start":79.365,"end":79.865,"sentiment":"neutral","sentiment_score":0.26104047894477844},{"text":"What's that?","start":91.41,"end":91.97,"sentiment":"neutral","sentiment_score":-0.018035906367003918},{"text":"Sorry?","start":91.97,"end":92.47,"sentiment":"neutral","sentiment_score":-0.030044542625546455},{"text":"Yeah.","start":92.770004,"end":93.270004,"sentiment":"neutral","sentiment_score":-0.017733890563249588},{"text":"It's just a little bit muffled.","start":95.73,"end":97.43,"sentiment":"neutral","sentiment_score":-0.08511613309383392}],"sentiment":"neutral","sentiment_score":-0.030318778685548088,"num_words":11,"start":79.365,"end":97.43},{"sentences":[{"text":"Yeah.","start":99.665,"end":100.165,"sentiment":"neutral","sentiment_score":-0.0016113147139549255},{"text":"Perfect.","start":102.625,"end":103.125,"sentiment":"neutral","sentiment_score":0.11036913096904756},{"text":"Yeah.","start":114.52,"end":114.759995,"sentiment":"neutral","sentiment_score":0.007267772220075131},{"text":"I think that's a bit better.","start":114.759995,"end":116.06,"sentiment":"neutral","sentiment_score":-0.020014481619000435},{"text":"Yes.","start":117.56,"end":118.06,"sentiment":"neutral","sentiment_score":0.02047861739993095}],"sentiment":"neutral","sentiment_score":0.0016417316161096106,"num_words":10,"start":99.665,"end":118.06},{"sentences":[{"text":"Perfect.","start":120.92,"end":121.42,"sentiment":"neutral","sentiment_score":0.16114643216133118},{"text":"That's correct.","start":128.215,"end":128.855,"sentiment":"neutral","sentiment_score":0.08689969033002853},{"text":"And he's named Elliot.","start":128.855,"end":130.075,"sentiment":"neutral","sentiment_score":0.08503244444727898},{"text":"I could ask him.","start":136.055,"end":137.275,"sentiment":"neutral","sentiment_score":0.07476155832409859},{"text":"Yeah.","start":147.67001,"end":147.91,"sentiment":"positive","sentiment_score":0.4345669150352478}],"sentiment":"neutral","sentiment_score":0.11739072824517886,"num_words":12,"start":120.92,"end":147.91},{"sentences":[{"text":"Definitely.","start":147.91,"end":148.41,"sentiment":"positive","sentiment_score":0.627731442451477},{"text":"Thank you.","start":157.905,"end":160.965,"sentiment":"neutral","sentiment_score":0.1508624218404293},{"text":"I I was actually because I listened to a few financial podcasts.","start":162.225,"end":166.645,"sentiment":"neutral","sentiment_score":0.024438029155135155},{"text":"I listened to Victoria Devine and who's the other one?","start":167.40999,"end":172.84999,"sentiment":"neutral","sentiment_score":0.02270421916618943},{"text":"Money Money Money?","start":172.84999,"end":173.82999,"sentiment":"neutral","sentiment_score":0.008726972776154676}],"sentiment":"neutral","sentiment_score":0.05271199092801128,"num_words":28,"start":147.91,"end":173.82999},{"sentences":[{"text":"Forgot his name.","start":174.37,"end":175.43,"sentiment":"neutral","sentiment_score":0.008253215501705805},{"text":"And they they recommend Sky Sky Wealth.","start":177.25,"end":180.87,"sentiment":"neutral","sentiment_score":0.02773081324994564},{"text":"But on speaking to Elliot, I heard about you guys, and he said you didn't even charge, like, a fee.","start":181.25,"end":189.025,"sentiment":"neutral","sentiment_score":-0.01389751078095287},{"text":"They charge, like, a $450 fee to have a look at yeah.","start":189.025,"end":195.985,"sentiment":"neutral","sentiment_score":0.002386075522129734},{"text":"Sorry.","start":195.985,"end":196.305,"sentiment":"neutral","sentiment_score":-0.04710834473371506}],"sentiment":"neutral","sentiment_score":-0.0018034956937785758,"num_words":43,"start":174.37,"end":196.305},{"sentences":[{"text":"We've got two little kids here.","start":196.305,"end":197.91,"sentiment":"neutral","sentiment_score":-0.02148150373250246},{"text":"Yeah.","start":204.47,"end":204.87001,"sentiment":"neutral","sentiment_score":0.041459694504737854},{"text":"And I I thought I'd I'd give you guys a go and see how we go from there.","start":204.87001,"end":210.47,"sentiment":"neutral","sentiment_score":0.04903838379929463},{"text":"Cheers.","start":210.47,"end":210.97,"sentiment":"neutral","sentiment_score":0.16469548642635343},{"text":"Yep.","start":223.405,"end":223.905,"sentiment":"neutral","sentiment_score":0.09485717862844469}],"sentiment":"neutral","sentiment_score":0.03906719427969721,"num_words":27,"start":196.305,"end":223.905},{"sentences":[{"text":"Yeah.","start":238.33,"end":238.83,"sentiment":"neutral","sentiment_score":0.052303656935691833},{"text":"That's fantastic.","start":238.97,"end":239.79001,"sentiment":"positive","sentiment_score":0.5888093709945679},{"text":"So even if we do go with insurance through our own supers, they still give you money?","start":241.825,"end":246.805,"sentiment":"neutral","sentiment_score":0.01794613306136692},{"text":"Yep.","start":289.61,"end":290.11,"sentiment":"neutral","sentiment_score":-0.23276357352733612},{"text":"Yep.","start":295.69,"end":296.19,"sentiment":"neutral","sentiment_score":0.04295272380113602}],"sentiment":"neutral","sentiment_score":0.061145264147357506,"num_words":22,"start":238.33,"end":296.19},{"sentences":[{"text":"That's correct.","start":297.21,"end":297.84998,"sentiment":"neutral","sentiment_score":0.17298217862844467},{"text":"Yeah.","start":297.84998,"end":298.34998,"sentiment":"neutral","sentiment_score":0.18269816040992737},{"text":"I want them definitely individualized.","start":298.50497,"end":300.28497,"sentiment":"neutral","sentiment_score":0.2918459802865982},{"text":"Yeah.","start":311.065,"end":311.38498,"sentiment":"neutral","sentiment_score":0.055875327438116074},{"text":"I I do have q $2.","start":311.38498,"end":313.085,"sentiment":"neutral","sentiment_score":0.061351429050167404}],"sentiment":"neutral","sentiment_score":0.16079175472259521,"num_words":15,"start":297.21,"end":313.085},{"sentences":[{"text":"None.","start":336.145,"end":336.645,"sentiment":"neutral","sentiment_score":-0.03366014361381531},{"text":"Yep.","start":351.44,"end":351.52002,"sentiment":"neutral","sentiment_score":0.005838816519826651},{"text":"Yep.","start":351.52002,"end":352.02002,"sentiment":"neutral","sentiment_score":-0.01764083281159401},{"text":"Yes.","start":360.085,"end":360.585,"sentiment":"neutral","sentiment_score":0.017567893490195274},{"text":"What's the sorry.","start":369.94,"end":370.97998,"sentiment":"neutral","sentiment_score":-0.017796640594800312}],"sentiment":"neutral","sentiment_score":-0.011612026885684048,"num_words":7,"start":336.145,"end":370.97998},{"sentences":[{"text":"What was the name of it?","start":370.97998,"end":372.52,"sentiment":"neutral","sentiment_score":-0.018538089158634346},{"text":"Okay.","start":376.02,"end":376.52,"sentiment":"neutral","sentiment_score":0.07590353488922119},{"text":"Yep.","start":397.78998,"end":398.28998,"sentiment":"neutral","sentiment_score":0.1546325385570526},{"text":"Yep.","start":405.55,"end":406.05,"sentiment":"neutral","sentiment_score":0.1021469235420227},{"text":"Yeah.","start":412.405,"end":412.645,"sentiment":"neutral","sentiment_score":0.07231120765209198}],"sentiment":"neutral","sentiment_score":0.029376566968858243,"num_words":10,"start":370.97998,"end":412.645},{"sentences":[{"text":"Definitely.","start":412.645,"end":413.145,"sentiment":"neutral","sentiment_score":0.2109260857105255},{"text":"Yep.","start":413.285,"end":413.785,"sentiment":"positive","sentiment_score":0.3430832326412201},{"text":"Yeah.","start":422.88498,"end":423.38498,"sentiment":"neutral","sentiment_score":0.03930222988128662},{"text":"Yes.","start":438.24,"end":438.74,"sentiment":"neutral","sentiment_score":0.2754640281200409},{"text":"You just said Do you mind?","start":456.34,"end":458.44,"sentiment":"neutral","sentiment_score":0.013403814596434435}],"sentiment":"neutral","sentiment_score":0.09491984639316797,"num_words":10,"start":412.645,"end":458.44},{"sentences":[{"text":"Sorry.","start":458.58002,"end":459.08002,"sentiment":"neutral","sentiment_score":-0.014627791941165924},{"text":"Sure.","start":459.14,"end":459.46,"sentiment":"neutral","sentiment_score":0.03321552276611328},{"text":"Brandon will give me the key.","start":459.46,"end":460.74,"sentiment":"neutral","sentiment_score":0.007360953837633133},{"text":"And I I can do the talking because I I do most of the financial stuff anyway.","start":460.74,"end":465.32,"sentiment":"neutral","sentiment_score":0.056996930171461666},{"text":"He's out there only two and nine months, so they're very loud.","start":475.825,"end":479.125,"sentiment":"neutral","sentiment_score":-0.12554722589751086}],"sentiment":"neutral","sentiment_score":-0.012834201189311775,"num_words":37,"start":458.58002,"end":479.125},{"sentences":[{"text":"Yeah.","start":495.875,"end":496.275,"sentiment":"positive","sentiment_score":0.3773355484008789},{"text":"That's exactly right.","start":496.275,"end":497.655,"sentiment":"positive","sentiment_score":0.5827620228131613},{"text":"Yes.","start":514.77,"end":515.27,"sentiment":"neutral","sentiment_score":-0.0480944961309433},{"text":"Sorry.","start":545.73,"end":546.13,"sentiment":"neutral","sentiment_score":-0.03150254115462303},{"text":"What what did you say again?","start":546.13,"end":547.64996,"sentiment":"neutral","sentiment_score":-0.025347032273809116}],"sentiment":"neutral","sentiment_score":0.15782853215932846,"num_words":12,"start":495.875,"end":547.64996},{"sentences":[{"text":"So if you if Yeah.","start":547.64996,"end":552.73505,"sentiment":"neutral","sentiment_score":-0.0016363658010959624},{"text":"Yeah.","start":554.155,"end":554.655,"sentiment":"neutral","sentiment_score":0.03786565363407135},{"text":"Yeah.","start":562.955,"end":563.455,"sentiment":"neutral","sentiment_score":0.039994850754737854},{"text":"Sure.","start":563.835,"end":564.335,"sentiment":"neutral","sentiment_score":0.07574031502008438},{"text":"Yes.","start":569.67,"end":570.17,"sentiment":"neutral","sentiment_score":0.05685991793870926}],"sentiment":"neutral","sentiment_score":0.02247543426023589,"num_words":9,"start":547.64996,"end":570.17},{"sentences":[{"text":"Yep.","start":596.18,"end":596.68,"sentiment":"neutral","sentiment_score":-0.016107963398098946},{"text":"Yep.","start":601.22,"end":601.72,"sentiment":"neutral","sentiment_score":-0.029841214418411255},{"text":"Yes.","start":612.945,"end":613.445,"sentiment":"neutral","sentiment_score":-0.03334620222449303},{"text":"Taking debt of money.","start":628.17004,"end":629.39,"sentiment":"negative","sentiment_score":-0.40009572729468346},{"text":"Yes.","start":675.73004,"end":676.23004,"sentiment":"neutral","sentiment_score":0.04495669901371002}],"sentiment":"neutral","sentiment_score":-0.20434019877575338,"num_words":8,"start":596.18,"end":676.23004},{"sentences":[{"text":"Yes.","start":679.25,"end":679.75,"sentiment":"neutral","sentiment_score":0.08384168893098831},{"text":"I know the different types.","start":688.45,"end":689.75,"sentiment":"neutral","sentiment_score":-0.027652390673756598},{"text":"There's, like, total total death income and 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family.","start":5447.37,"end":5448.83,"sentiment":"neutral","sentiment_score":0.041213804589850564},{"text":"Perfect.","start":5465.457,"end":5465.857,"sentiment":"positive","sentiment_score":0.5197322964668274},{"text":"Thank you so much.","start":5465.857,"end":5466.917,"sentiment":"positive","sentiment_score":0.747295930981636}],"sentiment":"neutral","sentiment_score":0.21329876210759668,"num_words":17,"start":5446.41,"end":5466.917},{"sentences":[{"text":"Bye bye.","start":5469.2974,"end":5470.117,"sentiment":"neutral","sentiment_score":0.065278559923172}],"sentiment":"neutral","sentiment_score":0.065278559923172,"num_words":2,"start":5469.2974,"end":5470.117}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hey. Am I speaking with Madison?\n\nChannel 1: Hello? Yes. It is.\n\nChannel 0: Hey. We're not here. It's Debbie calling from Motley Financial. How are you doing?\n\nChannel 1: Good. Thank you. How are you?\n\nChannel 0: I am very well. Thank you for asking. It's my work at home day, so I could not be better, to be honest. Doing a lot\n\nChannel 1: Even\n\nChannel 0: of zero\n\nChannel 1: better.\n\nChannel 0: yeah. So I'm just in the comfort of my own home doing a good initial consultation. Is Brendan\n\nChannel 1: Yeah.\n\nChannel 0: there? Mate, lovely to virtually meet you. I do apologize. I realized that\n\nChannel 1: Yeah.\n\nChannel 0: I spelled your name wrong in the email I sent out. Oh, yes. So yeah.\n\nChannel 1: It's\n\nChannel 0: I know that's what the I think that novel, How to Win Friends and Influence People by Mark Ganeshi. It's the\n\nChannel 1: okay.\n\nChannel 0: most beautiful sound to anybody to hear is their own name. So I do apologize about that, mate. All good. Yeah. Now I've sent you through that email with a couple of attachments.\n\nI guess the first the way this itinerary kinda runs out is just kinda understanding what you guys are looking for, getting to know you as clients, and then show you a little bit more about us, do a little bit of the fact find, and, yeah, go through a risk profile and then book in some time to do a statement on advice.\n\nChannel 1: Perfect.\n\nChannel 0: Perfect. Now I understand that. Just from reading the notes, you you you've got a coworker, Maddie, that that is a client about already? Or\n\nChannel 1: What's that? Sorry? Yeah.\n\nChannel 0: sorry. Can you can you hear me correctly? Or is it a\n\nChannel 1: It's\n\nChannel 0: little\n\nChannel 1: just\n\nChannel 0: bit softer?\n\nChannel 1: a little bit muffled.\n\nChannel 0: Little bit muffled? Alright. Give\n\nChannel 1: Yeah.\n\nChannel 0: me one second. I've got my headphones in. So let me\n\nChannel 1: Perfect.\n\nChannel 0: try this. One second. Let's try and make this a little bit better for you. Alright. What about now?\n\nChannel 1: Yeah. I think that's a bit better.\n\nChannel 0: That's a bit better? Alright. I'll speak\n\nChannel 1: Yes.\n\nChannel 0: a little bit louder. I'll start yelling now. Hope for the best.\n\nChannel 1: Perfect.\n\nChannel 0: Yeah. So I I believe you've got a we've already got a client on board that you work with, Maddie. Is that correct? Or\n\nChannel 1: That's correct. And he's named Elliot.\n\nChannel 0: Elliot. Okay. Perfect. Do you know who the adviser is, Elliot? Or\n\nChannel 1: I could ask him.\n\nChannel 0: Yeah. No. That's okay. I was just interested, to be honest. But yeah.\n\nI'm glad that we've done a good enough service to be able to, you know, refer clients just like your cell server. So\n\nChannel 1: Yeah. Definitely.\n\nChannel 0: amazing. So yeah. Look. I I just from reading the notes, it looks like you're interest interested in insurances. But, yeah, give give me a little bit of a breakdown on what\n\nChannel 1: Thank\n\nChannel 0: you're looking for.\n\nChannel 1: you. I I was actually because I listened to a few financial podcasts. I\n\nChannel 0: Mhmm.\n\nChannel 1: listened to Victoria Devine and\n\nChannel 0: Yep.\n\nChannel 1: who's the other one? Money Money Money? Forgot\n\nChannel 0: Okay.\n\nChannel 1: his name. And they they recommend Sky Sky Wealth. But on speaking to Elliot, I heard about you guys, and he said you didn't even charge, like, a fee. They charge, like, a $450 fee\n\nChannel 0: Yes.\n\nChannel 1: to have\n\nChannel 0: Yes.\n\nChannel 1: a look at yeah. Sorry. We've got two little kids here.\n\nChannel 0: That's what I like with a five year old, so I completely understand.\n\nChannel 1: Yeah. And I I thought I'd I'd give you guys a go and see how we go from there. Cheers.\n\nChannel 0: Yeah. No. That's alright. Well, yeah, that's that's absolutely right. So we I'll walk you through a bit of our financial services guide and, I guess, overview services guide to show you our process, our fees, and all those bits and pieces, and go through\n\nChannel 1: Yep.\n\nChannel 0: go through everything from there. Yeah. It's it's we to to answer your question, yeah, in terms of superannuation or insurance reviews, we don't charge anything because the insurance company pays us. So why would we charge you? You know what\n\nChannel 1: Yeah.\n\nChannel 0: I mean? But\n\nChannel 1: That's\n\nChannel 0: and\n\nChannel 1: fantastic.\n\nChannel 0: all yeah. So we try and\n\nChannel 1: So\n\nChannel 0: make it\n\nChannel 1: even\n\nChannel 0: as settled.\n\nChannel 1: if we do go with insurance through our own supers, they still give you money?\n\nChannel 0: No. Well, we run our own Australian financial services license. So we essentially can we've got no one above us to tell us what to do or what products to recommend, and that just gives us a lot of freedom. So to answer your question, yes, we can write insurance to get your super to pay for it, but could be a retail policy. It could be a group policy.\n\nI don't really like group policies because, you know, insurances are these things that you pay all this money for, and the best outcome is nothing happens. Right? But if nothing happens, you paid all this money, and you don't get a refund of all the premiums you paid your whole life. So it's a horrible financial decision.\n\nChannel 1: Yep.\n\nChannel 0: But, you know, if something does happen, then you wanna make sure that you're covered and you wanna make sure that you're covered\n\nChannel 1: Yep.\n\nChannel 0: for enough.\n\nChannel 1: That's correct.\n\nChannel 0: Right?\n\nChannel 1: Yeah.\n\nChannel 0: And\n\nChannel 1: I want\n\nChannel 0: you\n\nChannel 1: them\n\nChannel 0: wanna make\n\nChannel 1: definitely individualized.\n\nChannel 0: exactly. Yeah. Personalized retail, you know, comprehensive cover. And what I mean by comprehensive is I just saw from the notes that you've got q super. Is that correct?\n\nOr\n\nChannel 1: Yeah. I I do have q $2.\n\nChannel 0: okay. So q super usually comes with comes with insurances, life, total, permanent disability, and income protection. So when you're looking at both insurances, I'm gonna I'm I'm can almost guarantee the answer is gonna be no. But have you did they call you do you super call you up at any point in time and, you know, ask you any health questions or\n\nChannel 1: None.\n\nChannel 0: yeah. Yeah. Correct. So that's called group cover. And what we what we see in group cover is every Superfund trustee essentially have an obligation to provide you with some sort of default cover.\n\nBut\n\nChannel 1: Yep. Yep.\n\nChannel 0: the problem is they ask questions after the event of the code. And depending on the event, it might be a bit difficult to ask a question.\n\nChannel 1: Yes.\n\nChannel 0: Right. Yeah. So it makes it what what we like to recommend is what's called comprehensive retail cover, and that\n\nChannel 1: What's\n\nChannel 0: goes through,\n\nChannel 1: the sorry. What was the name of it?\n\nChannel 0: sorry, retail underwritten cover. So it\n\nChannel 1: Okay.\n\nChannel 0: could be any product. We can recommend any product on the planet. It doesn't bother us because we run our own license. So it could be, you know, one of the big plays international like MetLife or Zurich, or could be one of the larger larger insurers in Australia, which is SayTal, t a l, big green three letters. You've probably seen them around, but\n\nChannel 1: Yep.\n\nChannel 0: that's done for this Australian Life. So there's lots of different products. It really comes down to us researching what's best for you.\n\nChannel 1: Yep.\n\nChannel 0: Okay? So, I mean, is it is it does that answer your question? Or\n\nChannel 1: Yeah. Definitely. Yep.\n\nChannel 0: beautiful. Beautiful. Brandon, did you have any questions? Or were you kind of both just looking at insurances? Or\n\nChannel 1: Yeah.\n\nChannel 0: yep. Okay. Cool. Well, I guess the best probably the best next step is going through a bit of our services and, you know, looking up the financial services guide and giving you a rundown of us.\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. The reason why I also bring up that q super is because when you're looking at insurances and we get comprehensive cover and apply for what what you need in line with your needs analysis, It\n\nChannel 1: You just said\n\nChannel 0: it's\n\nChannel 1: Do you mind? Sorry. Sure. Brandon\n\nChannel 0: No.\n\nChannel 1: will\n\nChannel 0: That's\n\nChannel 1: give\n\nChannel 0: alright.\n\nChannel 1: me the\n\nChannel 0: That's\n\nChannel 1: key.\n\nChannel 0: alright.\n\nChannel 1: And I I can do the talking because I I do most of the financial stuff anyway.\n\nChannel 0: No. That's alright. That's completely fine. I've not closed the door. I've got a beautiful partner with fiancee.\n\nShe'll say that. Look after little records. But, yeah, we're very much the same.\n\nChannel 1: He's\n\nChannel 0: Teamwork.\n\nChannel 1: out there only two and nine months, so they're very loud.\n\nChannel 0: Oh, wow. Oh, it gets worse. I'm sorry. Yeah. So if they can can be stopped, then they start misbehaving in school or any kind of breaks breaks breaks things down, it gets things get a little bit harder, but, you know, you love them nonetheless.\n\nChannel 1: Yeah. That's exactly right.\n\nChannel 0: That's good. So I just wanna touch on those insurances again. And the reason why I brought up superannuation is because you essentially have that just given to you cover within your insurances. Life life is pretty self explanatory. If you're kinda dead, you're dead.\n\nChannel 1: Yes.\n\nChannel 0: It's bad as that's hard. So that will always kinda get paid off. But what I was saying before is, you know, just to reiterate, it's being insured is a very kinda very balanced kind of thing. Because if you don't claim on it, then you don't get a refund of all the premiums paid your whole life. So it's really important that if you are paying premiums for it, then you wanna make sure that you're covered for enough because being over insured is just as bad as being under insured.\n\nK?\n\nChannel 1: Sorry.\n\nChannel 0: Because\n\nChannel 1: What\n\nChannel 0: that\n\nChannel 1: what did you say again? So if you if\n\nChannel 0: so so with insurances, it's very\n\nChannel 1: Yeah.\n\nChannel 0: much a balancing act between\n\nChannel 1: Yeah.\n\nChannel 0: look searching for your retirement outcome, but at the same time protecting you along the way in case something were to go wrong. K?\n\nChannel 1: Yeah.\n\nChannel 0: So that's one\n\nChannel 1: Sure.\n\nChannel 0: and, essentially, you're paying some other bloke of premium to cover your needs because you can't cover it yourself.\n\nChannel 1: Yes.\n\nChannel 0: That's that's all about some insurances. So just and what I was saying before is, you know, if you don't claim on your insurance policy, whether that be inside your Superfund and q super that you don't need you're not too sure on if it meets your needs or not, or it's fully comprehensive underwritten insurance cover to that will get you paid. Essentially, if something goes wrong, you wanna make sure that it's enough and you're paying for enough. Okay?\n\nChannel 1: Yep.\n\nChannel 0: And because being over insured is just as bad as being under insured.\n\nChannel 1: Yep.\n\nChannel 0: So if you're over insured, you're paying two higher premiums for cover that you don't need. Let's say your needs analysis is a million dollars, just for numbers sake, for life and total burden of disability.\n\nChannel 1: Yes.\n\nChannel 0: Then if you're covered for what $2,000,000 worth of cover, then what's the point on the extra million? Because you're paying a lot of premiums for that extra million. So it's just dead money. And if you don't claim on it, then, you know, it's it's\n\nChannel 1: Taking\n\nChannel 0: which\n\nChannel 1: debt\n\nChannel 0: is\n\nChannel 1: of\n\nChannel 0: more\n\nChannel 1: money.\n\nChannel 0: like yeah. It's even dead money. So if you are paying for insurance cover, then you wanna make sure that you're covered. But like I said, it's really important that you make sure that you're covered for enough. It was just as bad as being over insured and paying two higher premiums, the cover you don't really need.\n\nIf you're under it's just as bad as being underinsured. K? So if you're underinsured, you're essentially you know, you if you're underinsured, you're paying all these premiums for cover that doesn't meet your needs. So if there's something where to go wrong, then you're you're not gonna leave your partner or your family with with adequate, you know, cover to to pay everything out or suit the lifestyle that they they need to live. You know?\n\nThere's we and we calculate that. We work out we work out your needs analysis for each of you.\n\nChannel 1: Yes.\n\nChannel 0: Okay? Does does that kinda make sense? Or\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. And how's everything sounding so far? There's different types of insurances that I can touch on as well if you wanted me to.\n\nChannel 1: I know the different types. There's, like, total total death\n\nChannel 0: Mhmm.\n\nChannel 1: income and trauma.\n\nChannel 0: Correct. If yeah. That's exactly right. So for life insurances, it's pretty much split into those four. So life insurance, total permanent disability insurance, and income protection can\n\nChannel 1: Yes.\n\nChannel 0: be structured within a superannuation environment. Even if you got a policy outside of that super fund, you can still get a super fund to pay for that. So\n\nChannel 1: Yes.\n\nChannel 0: it's tax\n\nChannel 1: Yes.\n\nChannel 0: effective, and it doesn't come out of your back pocket. But with trauma insurance, you especially with young kids, you can get linked on child trauma, which covers any sort of traumatic events, any sort of sickness. You can get a lump sum payment, and it's not that much more expensive. But that whole trauma policy or critical illness, you have to pay for that out of your back pocket because of ownership\n\nChannel 1: Yes.\n\nChannel 0: rules. Okay? So were you looking at something like that, a full comprehensive policy covering all of your whole family and including trauma, or were you just kinda looking for something that's based inside your superannuation fund?\n\nChannel 1: I think the trauma one would be good outside\n\nChannel 0: Okay.\n\nChannel 1: to to include the kids.\n\nChannel 0: Yeah. Absolutely. Absolutely. Definitely got a few claims on that, and it's it's definitely something that is worthwhile having at least for the beginning stages while, you know, fragile children are still very fragile.\n\nChannel 1: Yep. And what would be things that you would be can I ask, like, what sort of things you would be claiming for with\n\nChannel 0: Yeah.\n\nChannel 1: that?\n\nChannel 0: So what's trauma insurance?\n\nChannel 1: Yeah.\n\nChannel 0: Yes. So we call them the big three. And the big three are essentially cardiovascular disease, so heart attacks, any sort of cardiovascular issue, illness, or injury. Then you've got cancers. So any sort of cancer, benign or malignant.\n\nAnd then you've also got then you've also got strokes or any sort of TIA or brain hemorrhaging. Those are a lot of the time, those are the main big three that we claim on. But any sort of but, essentially, it comes down to any sort of critical illness as a whole.\n\nChannel 1: Yes.\n\nChannel 0: Okay? So it's, you know, if there's any sort of if you if you were to have some sort of, you know, benign cancer just for yourself, let's say. Right?\n\nChannel 1: Yep.\n\nChannel 0: And you got a little melanoma spot, but it's not malignant. It's not growing. It's just been there for a while, and you wanna get caught up. You can get, you know, pass partial payments of trauma. You can get payments for any sort of a a child illness.\n\nAnything\n\nChannel 1: Any\n\nChannel 0: that\n\nChannel 1: any sort of child illness.\n\nChannel 0: yeah. That that essentially affects the the lifestyle, if that makes sense. So, you know, if it a long time, you could have some sort of, like, autoimmune disease\n\nChannel 1: Yes.\n\nChannel 0: or any sort of significant sickness. You would have a what we call a rider policy that rides\n\nChannel 1: Yes.\n\nChannel 0: on your trauma policy because, essentially, children you can't have any trauma policy under the age of 18. But to cover your kids or any sort of, you know, an issue or critical illness like that, then you can just add it onto your policy as a policyholder, and they're covered as well. It's\n\nChannel 1: Yes.\n\nChannel 0: like an extra $5 a month or something like that.\n\nChannel 1: Okay. Yep. Yeah.\n\nChannel 0: Okay. Does that answer your question? Or\n\nChannel 1: Yeah. That that does. Yeah.\n\nChannel 0: Beautiful. Now so that that covers the insurances, and we can we can have a look at getting the super paying for at least three of the four of them.\n\nChannel 1: Yeah.\n\nChannel 0: Or, sorry, should I say at most of the three or four of them. And I'm happy to work that up, work out your needs analysis. I'll have to go through a fact find after we go through this. But is that is that all you're kind of looking at at the moment or just insurance recommendation?\n\nChannel 1: Just at\n\nChannel 0: Okay.\n\nChannel 1: the moment, yeah. Once we get a little bit more financially stable, yeah, we would look into, like, doing some\n\nChannel 0: Yep.\n\nChannel 1: other stuff because we are wanting to get some investment properties. We just gotta work out a bit of debt first. Just got a a car loan and and that. So we wanna pay them off before we can look further into that.\n\nChannel 0: Okay. No. That's right. Well, I think this is probably good segue to talk about kind of our our strategy, our structure, our process. So if you can go on to the email that I sent you just confirming this initial consultation, there should be a couple of attachments there.\n\nLet me have a look. I think it sends it both to you, and it's branded with an a. I'll show you.\n\nChannel 1: Sorry. When did you send it?\n\nChannel 0: Okay. Let me just bring it up from my end, and I'll make sure there we go.\n\nChannel 1: Oh, here\n\nChannel 0: So\n\nChannel 1: we go.\n\nChannel 0: yeah. So that's if you wanted to put a page in the name, that's that's a that's a very airbrushed picture of myself. I'm a lot more I've got a lot more city miles on me than that. But, yeah, the first so the first attachment is the 2026 Oakview services guide version\n\nChannel 1: I\n\nChannel 0: two.\n\nChannel 1: will maybe open the attachment.\n\nChannel 0: I'm sorry?\n\nChannel 1: Is this the email that you sent on Wednesday?\n\nChannel 0: No. I sent it today.\n\nChannel 1: Oh, today. Sorry.\n\nChannel 0: No. I think it I sent it straight from my personal email. Well, my Chevy@opp email, and I sent that about an hour ago. Ten past\n\nChannel 1: Okay.\n\nChannel 0: four.\n\nChannel 1: Hold\n\nChannel 0: That's madison_o8@homel.com.\n\nChannel 1: on. Oh, sorry. It went to my junk.\n\nChannel 0: No.\n\nChannel 1: Of course.\n\nChannel 0: That's alright. If if it didn't come from the info or something\n\nChannel 1: There\n\nChannel 0: along\n\nChannel 1: we\n\nChannel 0: those\n\nChannel 1: go.\n\nChannel 0: lines.\n\nChannel 1: It's not\n\nChannel 0: Yeah.\n\nChannel 1: junk.\n\nChannel 0: There you go. So like I said, at the at the bottom, you'll there's a if you wanna put a page of the name, like I said, it's very airbrushed. You'll probably see another picture of me there. But, yeah, if you open up that first\n\nChannel 1: Yep.\n\nChannel 0: attachment, that's the 2026 OP services guide. I'll just give you a little bit of a breakdown on kind of the process, what we look at, how we do it. I've been fortunate enough to do this for long enough. It feels like a lifetime now. But, yeah, if you I've I've been able to see this process work, which is really helpful and really beneficial, especially when you see it in, yeah, different different areas and different arenas of finance around the world.\n\nOkay.\n\nChannel 1: And it's so cold.\n\nChannel 0: So can have you got that open?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Beautiful. I think my VPN is restricting me from downloading it. So give me one second while it's it's annoying. Disconnects. Sorry.\n\nIt's amazing when technology works, but\n\nChannel 1: Oh,\n\nChannel 0: when\n\nChannel 1: yeah.\n\nChannel 0: it's the size of our work, it's yeah. We we really need it.\n\nChannel 1: Definitely.\n\nChannel 0: There we go. Alright. So I just disconnected. So that first page you're looking at should be the OQ should say OQ Financial, OQ Services Guide, ABN, where where our address is, and a picture of the Gold Coast. Can you see\n\nChannel 1: Yes.\n\nChannel 0: that? Beautiful. So a little bit of background on the next page of OP as a whole, myself and my business partner, Bart. We we started this up with a whole bunch of venture capital in a garage in Pimpama on the Gold Coast a long time ago. And, yeah, with the hopes and dreams, and somehow it worked.\n\nAnd we've been building it since there, but, essentially, we wanted to start. This was right at the Royal Commission. Do you remember do you know anything about the 2017 Haines Royal Commission into banking and finance? Or\n\nChannel 1: No.\n\nChannel 0: okay. So in 2017, there was this massive Royal Commission that went into banking and finance, and rightfully so, because they found that there was a lot of a lot of financial planners, asset managers, brokers, you know, insurance dealers, even form brokers. Everything got to do with banking and finance. Pretty much all of the big plays were doing doing wrong things.\n\nChannel 1: Oh,\n\nChannel 0: That\n\nChannel 1: that's\n\nChannel 0: makes sense.\n\nChannel 1: crazy.\n\nChannel 0: Some you looked at, you know, deceased estates by over twenty years still being charged fees, extortionate fees. You're talking, you know, $1,020,000 dollars a year without telling the or holding on to insurance payments that the family should have received, but, you know, insurance brokers were just holding on to the insurance payments without telling the family and just securing\n\nChannel 1: Oh, wow.\n\nChannel 0: interest on it. Yeah. Things like that. Really, really bad, but there's a lot of there's a few of us that are trying to I'm sure there are a few of us that are trying to do the right thing. And that's why we started our deep financial to be the provision of being the most trusted financial planning firm in Australia.\n\nBecause at the time, when you because of that, when you think of financial planners and asset managers alike, you you don't really trust is not the first thing that comes to mind. Right?\n\nChannel 1: No. My mom thinks my mom thinks life insurance is a waste of money.\n\nChannel 0: Oh,\n\nChannel 1: And\n\nChannel 0: I\n\nChannel 1: I think\n\nChannel 0: honest\n\nChannel 1: everyone in that era does.\n\nChannel 0: yeah. Yeah. But, honestly, I agree with it. It's it's a necessary evil. I I I personally dislike insurances, but I understand the purpose behind it because, you know, there's I could tell you some horror stories working in financial industry as a whole,\n\nChannel 1: Yes.\n\nChannel 0: especially when it comes to life insurance. So like I said before, it's it's one of those things you pay all this money for and the best outcome is nothing happens.\n\nChannel 1: Yeah. Especially\n\nChannel 0: Okay?\n\nChannel 1: when you don't have it personalized.\n\nChannel 0: This\n\nChannel 1: Yeah. I'm still paying for it, but nothing there'll be so many hoops to jump through when if something did happen.\n\nChannel 0: well, that's the thing. So so when you got when I was talking about underwritten comprehensive assurance, if we write it, we manage that, and we review your your situation, and we review your needs analysis. And, you know, if you've got a home, we wanna cover the mortgages worth mortgages worth $750, let's say, numbers numbers wise. But then you you that's called bare bones. And if we cover that, but and we cover you for $750,000 worth of life and total permanent disability, then if in a year's time, you'd paid off, let's say, $50,000 worth of that mortgage and the property value grew by $50,000.\n\nDo you still you don't need $750,000 worth of worth of cover anymore. You only need 650,000. So the ideal situation is to be what's called self insured so that you don't have to pay somebody else a premium to cover your needs because you can cover them yourself.\n\nChannel 1: Yeah.\n\nChannel 0: Does that make sense? Or\n\nChannel 1: Self insured.\n\nChannel 0: yeah. So to be self insured means that you don't have any debts. If either of you or both of you were to pass away because of some tragic event, you know,\n\nChannel 1: Yep.\n\nChannel 0: whatever might happen, then you don't have any debts or such left to your kids, if that makes\n\nChannel 1: Yeah.\n\nChannel 0: sense.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: so\n\nChannel 1: And I got and every year that goes on, we've obviously paid more of the the house, and it would go down.\n\nChannel 0: correct.\n\nChannel 1: And then your premium should go down as well. But if you don't get it reviewed, you're still\n\nChannel 0: Correct.\n\nChannel 1: paying a lot. Yeah.\n\nChannel 0: Exactly. Exactly. So that that kinda gives you that's that's part of our service ongoing and, you know, that's part of that insurance premium. That's why after the Hainville Commission, they introduced a trail commission that we get paid on for any insurance policy that we write as a whole, so as a company. And that's all the same between all insurers.\n\nSo there's no kind of bias. There's just one of the cheapest and best for you and your occupation. Okay?\n\nChannel 1: Yes.\n\nChannel 0: So, yeah, I guess, going back onto that gives you a bit more of a breakdown on the insurance side of things. But, yeah, going back onto our vision and mission and why we started the company was to be the most trusted financial planning firm in Australia. And I like to think we've upheld that because now we've got a team of, you know, over 40, I think, 43 employees and, yeah, still growing. So and getting good word-of-mouth. So\n\nChannel 1: Yeah.\n\nChannel 0: that's\n\nChannel 1: All\n\nChannel 0: I\n\nChannel 1: the\n\nChannel 0: can\n\nChannel 1: way\n\nChannel 0: show\n\nChannel 1: inside North Queensland.\n\nChannel 0: Yeah. This is crazy that it just shakes up. I actually got a I spoke to a client. That's the reason why I'm speaking to you guys today is Larissa who you initially had the appointment with. She ended\n\nChannel 1: Yep.\n\nChannel 0: up having a bit of an incident over the weekend and is now at work for the rest of the week. So I opted to, you know, speak to her clients, you know, already booked in booked in things. So I guess you're gonna be fine for mine when you decide\n\nChannel 1: Oh,\n\nChannel 0: to proceed.\n\nChannel 1: lovely. Fantastic.\n\nChannel 0: So, yeah, like, going on to our core values and our core mission, there's a little bit of a blur there. You're welcome to read it in your own time. If you're struggling to get to sleep at some point, feel free to go through it or knock you out pretty quick. But that gives you a little bit of a breakdown of of journey and where we came from, you know, humble beginnings, if you would. But the next page is really what I wanted to kinda focus on, And that's the OP Wealth Cycle.\n\nSo let me know if you're looking at that page.\n\nChannel 1: Yep. I'm looking. Yep.\n\nChannel 0: Beautiful. So this is this is kind of a it's not really a process for us. It's just an overall algorithm in a way. So we it's like I said before, we I've been fortunate enough to work overseas and as a stock broker, I've been working all around the world and then coming back to boutique firms in Australia and starting this firm ourselves. I've seen this process done in many different ways in, you know, CBA, Commonwealth Bank Australia, does it in a ladder where the each step in the ladder is kinda like the next stage, if you would.\n\nThere's overseas that or mutual. There was they did this process in a diamond, a a base mortgage diamond to different bases. But essentially, they're all the same thing. And we are finance nerds, so some of us names are pretty corny and nerdy, so I do apologize. Bear with me.\n\nSo most of the time, clients speak to us as a seedling, kinda like in the ground. You know, they don't know which, not too sure which way is up, where the sun is. You know, you're in a dark kind of space. You don't know where to go. So no\n\nChannel 1: Yes.\n\nChannel 0: real growth plan, no strategy, no direction. So what we do is we like to set up essentially foundations, which is what I like to call the roots, Oak view, oak tree. Again, very corny, but it works. So, yeah, we set up we look at the roots, and that's your superannuation, which is essentially growing wealth for retirement.\n\nChannel 1: Yes.\n\nChannel 0: And then making sure that we review your insurances, make sure that you're covered for enough and you're not paying too much, those kind of things. So that if anything were to go wrong, then you you at least you're covered for the rest of your time and so you can access your super.\n\nChannel 1: Yes.\n\nChannel 0: Okay?\n\nChannel 1: Yes.\n\nChannel 0: So that's kind of how those two go hand in hand. Outside of that, part of the roots, you know, it's kind of in the background, and you don't really you don't really you don't you know it's there, but you and it's a really important part of the whole process, but you don't really see it because you don't really touch it or access it until you need it. Right? Or until you can access it. So that comes hand in hand with the accounting and taxation, then you're doing your taxes every year.\n\nAll being self employed and doing baths and all those weird and wonderful things. But looking at your situation, you know, when you're looking at your insurances, we we also kind of like to do a review of your superannuation as well. And the\n\nChannel 1: Yep.\n\nChannel 0: reason for that is because if we if we get you adequate comprehensive cover outside of, let's say, for example, your q super,\n\nChannel 1: Yeah.\n\nChannel 0: then you still if we don't review those q super insurance policies, then you will have two lots of insurances and paying way too much money for premiums that you might not claim on. Does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Or\n\nChannel 1: Yeah. That makes sense.\n\nChannel 0: so that's why we like to work out a way to look after that superannuation as well. It makes it a lot easier from during rollover point of view. But if you're just looking at insurances, we can still work out a way to get q super. We'll try our best to work out a way to get q super as a trustee, coupon trustee, to pay for external insurances, and then we can cancel the insurances inside that fund as well. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Some trustees don't like it. Some trustees just say, no. Well, I get paid money on the insurances with q insure. It's the insurance company that that in that right to those insurance policies for you with QSuper.\n\nChannel 1: Yes.\n\nChannel 0: So why would they cancel get pay for insurance in somewhere else where they get less fees and they get less premiums.\n\nChannel 1: Yes.\n\nChannel 0: You know what I mean? So that's something to be considerate of and think about as well. But we'll give you a recommendation on that no matter what. And that's\n\nChannel 1: Yes.\n\nChannel 0: why I brought up the superannuation. So that's the first step. After that, we can we we kind of once you get this the your retirement balance working harder for you for retirement and making sure that you're covered as well, then we move on to the trunk stage. This is like four pillars, and this is where you're probably at at the moment where you create a relationship with your money, cash flow, and budgeting, family home, like we said before like you said, Maddie, before.\n\nChannel 1: Yep.\n\nChannel 0: You\n\nChannel 1: Yes.\n\nChannel 0: know, over over time, you your property, your primary place of residence, and your home is growing in value,\n\nChannel 1: Yes.\n\nChannel 0: but you're paying it off. So you probably don't need as much insurance in twelve months' time.\n\nChannel 1: Yes.\n\nChannel 0: Okay? So that's that's kind of where our heads are. We also wanna get rid of any bad debt. What what I mean by that is non deductible debt, like personal loans, credit cards. We can work\n\nChannel 1: Carlos.\n\nChannel 0: on those cash car loans exactly. If it's not in a if it's not for business purposes, then it's really hard to deduct.\n\nChannel 1: Yep.\n\nChannel 0: Essentially, in Australia, we pay some of the highest marginal tax rates on the planet. So it's not it's not ideal, but in saying that we are an investment haven. So,\n\nChannel 1: Yeah.\n\nChannel 0: you know, and that's what I mean by that. So one of the only countries in the world where you can deduct a 100% of the interest charged on invest on assets for investment purposes.\n\nChannel 1: Yeah.\n\nChannel 0: Okay? So that's we wanna really try and just solidify those roots and the foundations and the trunk stage so that we can get to that next stage next step up, which is diversification, which is branching out, we call it. And\n\nChannel 1: Yep.\n\nChannel 0: that's when you start leveraging it into equity in your home to get investment properties using OPM. Have you ever heard the statement OPM? OPM? Or,\n\nChannel 1: O p m.\n\nChannel 0: yeah, other people's money.\n\nChannel 1: Oh, no.\n\nChannel 0: Yeah. So it's I like to yeah. It's it's called OPM in our world, other people's money. It's a great thing\n\nChannel 1: Yep.\n\nChannel 0: because if you wanna buy another property with the equity you've created in your home, you need that cash. You're gonna have to sell that property to get the cash to buy the property. Right?\n\nChannel 1: Yep.\n\nChannel 0: But we're fortunate enough to not be able we'll not have to do that because we can do what's called leveraging and gearing, and you can go and borrow other people's money. Essentially, go\n\nChannel 1: Yes.\n\nChannel 0: to the bank or the institution, say, look, I've got $10,000. I wanna invest it in something, anything, property, shares, whatever it might be, bonds, gold, that, let's just say, makes 10% return in a year. On that $10,000, in one year, you make 10% return. That's a thousand dollars. And that alright.\n\nCongratulations. But if you go to an institution like a bank or investment bank and you end up saying, look, I wanna borrow $90,000 to make it a $100 in total, they say, yep. Not a problem. Here's a $100. Sorry.\n\nHere's $90,000, but you owe us 5%, just for numbers sake, on interest every\n\nChannel 1: Seven.\n\nChannel 0: year.\n\nChannel 1: Yeah.\n\nChannel 0: Right? Then that means you owe that institution 9 $4,500 every year because of the interest on the $90,000. Right?\n\nChannel 1: Yeah.\n\nChannel 0: But now you've got a $100,000 or $90,000 that would be in ODM, other people's money. So now you take that a $100,000, put it in the exact same investment that makes the exact same 10% in that exact same year you've made, you know, essentially $10,000. You pay back the 4,500 in interest, which is also deductible. You're left just on face value with $5,500. So you've just done a 55% return in one year by utilizing that strategy.\n\nChannel 1: What's that code?\n\nChannel 0: That's called my that's called gearing and leveraging. It's it's essentially getting investment properly if you want. Because if you leverage against your primary place of evidence, you can do that. But if you wanted to get technical, it's called leveraging theory.\n\nChannel 1: You're right. I've\n\nChannel 0: Yeah.\n\nChannel 1: never heard\n\nChannel 0: Does does that kinda make sense? Or\n\nChannel 1: yeah. That's that's a bit confusing, but, yeah, it does make sense. And I have\n\nChannel 0: Yeah.\n\nChannel 1: heard a little bit of it on that money money money podcast, but, yeah, that's very selfish.\n\nChannel 0: Yeah.\n\nChannel 1: But\n\nChannel 0: So\n\nChannel 1: we're not\n\nChannel 0: I\n\nChannel 1: there\n\nChannel 0: hope\n\nChannel 1: yet, so we've\n\nChannel 0: Yeah.\n\nChannel 1: I've\n\nChannel 0: Yeah.\n\nChannel 1: got a bit of time to study on that one.\n\nChannel 0: Yeah. Yeah. But and please do. It's it's a very important part of this.\n\nChannel 1: Yeah.\n\nChannel 0: You know, money makes money. So, you know, if you if you think about it from a very foundational level of a whole system, you know, where where an interest rate. So do you guys have your own home? Or\n\nChannel 1: Yeah. We are. Yep.\n\nChannel 0: okay. Perfect. And how much is the value in the loan on that property?\n\nChannel 1: The we owe\n\nChannel 0: Yep.\n\nChannel 1: 490,000.\n\nChannel 0: 490,000. Amazing. And what do you think the value is worth at the moment?\n\nChannel 1: Well, I reckon we've done a bit of we've done some reno's on the garden and one bath one of the bathrooms. So\n\nChannel 0: Yep.\n\nChannel 1: and I reckon it's gone up a bit. So I think we last got evaluated at 07:50.\n\nChannel 0: Okay. Okay. 07:50. And you're up in Cairns, Funnel Queensland. Correct?\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. Is it getting hotter yet? Or\n\nChannel 1: No. It's with midwinter, so it's lovely.\n\nChannel 0: yeah. It's perfect\n\nChannel 1: It's\n\nChannel 0: timing.\n\nChannel 1: perfect\n\nChannel 0: I used to work.\n\nChannel 1: weather now. Like, jacket in the morning, and now I'm in just in, like, a crop top and shorts.\n\nChannel 0: Amazing. Yeah. Yeah. I didn't make it quite that far, but when I was at uni studying exactly what we're doing now, I used to fly to Airlie Beach and then I'm on the bus. I used to be somewhat nautical.\n\nWhen I was at uni,\n\nChannel 1: Oh,\n\nChannel 0: I was\n\nChannel 1: how\n\nChannel 0: on university\n\nChannel 1: nice.\n\nChannel 0: job.\n\nChannel 1: We\n\nChannel 0: Yeah. It was\n\nChannel 1: we love Ellie. We often\n\nChannel 0: beautiful.\n\nChannel 1: go down there camping.\n\nChannel 0: Yeah. It's it's the drinking time of the sailing problem. Right?\n\nChannel 1: Yeah.\n\nChannel 0: But anyway, it's yeah. It's I've got a few friends that have met over there that are from you know, Port Douglas,\n\nChannel 1: Yeah.\n\nChannel 0: places like that, and it's just around the corner.\n\nChannel 1: That's okay.\n\nChannel 0: And, yeah, all I hear is how hard it is. So\n\nChannel 1: God. It's lovely.\n\nChannel 0: yeah. But, yeah, essentially, looking at the you you can look at what's called LDR, loan to value ratio, and the equity in your house with us growing over 80%. Because then you initiate what's called LMI, loan mortgage insurance. But like you said, we can get to that stage. But essentially, from there, you know, if you do this process right, we we get about about ten to fifteen years, twelve years I've seen from from\n\nChannel 1: Yep.\n\nChannel 0: a client with no property and I think it was $40,000 worth of savings. So in twelve years, been completely fully self sufficiently retired.\n\nChannel 1: Wow. That's crazy.\n\nChannel 0: Yeah. Yeah. It's it's pretty amazing when you when you do it long enough to actually see it work. So\n\nChannel 1: Yep.\n\nChannel 0: it's an incredible thing. But, yeah, after that, you know, you you get to a stage where you wanna we call it blooming, but you wanna hang up your boots. You call it there. You start leveraging. You borrow money, borrow money, and do the same strategy with the $10 and OPM I've said before, but you do it for other reasons.\n\nYou'd get a factory for commercial rental or you get a, you know, investment properties, a shared portfolio. You can start building that wealth up without actually crystallizing on any of those assets all the way up until your the yield and the income from the increase in the rent over time and, you know, the the portfolio growth in your shares, start paying more\n\nChannel 1: Yes.\n\nChannel 0: dividends, you can essentially\n\nChannel 1: Thank you.\n\nChannel 0: you can essentially be, you know, fully self sufficient to have seen it happen in twelve years.\n\nChannel 1: Twelve years.\n\nChannel 0: But, you know,\n\nChannel 1: Well,\n\nChannel 0: it's really\n\nChannel 1: we're probably\n\nChannel 0: shit. That's\n\nChannel 1: we're\n\nChannel 0: it.\n\nChannel 1: we're probably a few years behind that having $60 debt in the car.\n\nChannel 0: Okay. So $60 dead in the car. You're giving me back to this car. So and it\n\nChannel 1: I I\n\nChannel 0: was a you\n\nChannel 1: hide\n\nChannel 0: had\n\nChannel 1: it.\n\nChannel 0: it?\n\nChannel 1: I hide having dead in a car.\n\nChannel 0: Okay. No. That's alright. Well, let's talk about the car. What kind of what kind of car is it?\n\nAnd what what do you so you owe $60 on it? Or\n\nChannel 1: I think it was about that. I think it was 57. Yeah. And it's a a Toyota Hilux, but it's\n\nChannel 0: yep.\n\nChannel 1: our family car. We go camping in it. It it does\n\nChannel 0: Thank\n\nChannel 1: do\n\nChannel 0: you.\n\nChannel 1: us good,\n\nChannel 0: Yep. And what\n\nChannel 1: And\n\nChannel 0: what\n\nChannel 1: it's the\n\nChannel 0: do\n\nChannel 1: only\n\nChannel 0: you think?\n\nChannel 1: car we have.\n\nChannel 0: No. That's right. I used to have my my previous car was the Hilux Rogue. And, honestly, I love that thing. It was\n\nChannel 1: Yeah.\n\nChannel 0: just amazing. It took you everywhere and never broke. It was perfect.\n\nChannel 1: Exactly.\n\nChannel 0: But so with that Toyota Hilux, what do you think the value is if you were to sell it on the market, secondary market right now? What do you think it's worth?\n\nChannel 1: My partner said 65.\n\nChannel 0: You say 65? Beautiful. Is Brandon still there? Would you say 65 too?\n\nChannel 1: Yeah. I think that's what he said.\n\nChannel 0: Or\n\nChannel 1: Friendly\n\nChannel 0: okay.\n\nChannel 1: Car Warehouse, you reckon if we sold it, 65. Yes. Yes.\n\nChannel 0: Yep. Yep. Beautiful. So the Hilux and you've got that primary place of residence. How much are the repayments on that per month?\n\nOr\n\nChannel 1: Of the house or the car?\n\nChannel 0: Both. Yes. I was talking about\n\nChannel 1: Both.\n\nChannel 0: the car\n\nChannel 1: Yes.\n\nChannel 0: first.\n\nChannel 1: The car,\n\nChannel 0: Mhmm.\n\nChannel 1: we pay what was the car, Brandon? 300 a week. $303 a week.\n\nChannel 0: 300\n\nChannel 1: K.\n\nChannel 0: and $3 per week. Beautiful. And what are your payments on your property? Do you know what the interest rate is? Or\n\nChannel 1: It it's 06:00. I should know this because I was gonna call our mortgage broker off\n\nChannel 0: Mhmm.\n\nChannel 1: because I wanna have a look at it because he said once I'm back from maternity leave, we can do a few things with it.\n\nChannel 0: Correct.\n\nChannel 1: But\n\nChannel 0: That's why I'm asking.\n\nChannel 1: it was because I was having babies that we couldn't\n\nChannel 0: No. That's not. Baby\n\nChannel 1: so we paid\n\nChannel 0: dump.\n\nChannel 1: $8,815. $8,814 a week for that one, and that's at 6.39.\n\nChannel 0: Yep. 6.39%. Beautiful. And what's your address? I think Maddie might have wrote it down in our CRM, but I'm not\n\nChannel 1: 4\n\nChannel 0: too\n\nChannel 1: 8 9 Valley Street,\n\nChannel 0: four eight nine and how do I spell that?\n\nChannel 1: V A R L E Y.\n\nChannel 0: Holly Street, beautiful suburb.\n\nChannel 1: Yorkie Knob.\n\nChannel 0: Pulte Pub. Beautiful. Amazing. Okay. And, yeah, just going back onto the what your mortgage broker said, you've essentially got $250,000 worth of equity in your home at the moment.\n\nChannel 1: Two handed.\n\nChannel 0: Yeah. So so you don't really if it's worth 750,000, you don't want to kind of leverage more than 80% of the value of the property because then you initiate loan mortgage insurance, which means your\n\nChannel 1: Yeah.\n\nChannel 0: payments go up. K?\n\nChannel 1: Yeah.\n\nChannel 0: So if I take 750,000, I'm gonna put 0.8. So that's 600,000 and a minus the $4.90. So you should have, just number wise, depending on, obviously, your occupations and your roles, you should have about a $110,000 worth of leeway that\n\nChannel 1: Yep.\n\nChannel 0: you could essentially refinance and consolidate that that car loan into that mortgage without initiating LMI. It does increase your mortgage and will increase your repayment a little bit, but I'm I can almost guarantee that it will not be increase your payments more than the 303 per week you're paying at the moment.\n\nChannel 1: But wouldn't we be paying more interest over time?\n\nChannel 0: No. Not particularly because the interest that you're paying on your Toyota Harlock is,\n\nChannel 1: Yep.\n\nChannel 0: I would assume, somewhere around the 10 to 12% or seven to 10%, somewhere like that. Or\n\nChannel 1: That's a good question. Brenda, what's the interest on the car? Is it none? I think it's nine.\n\nChannel 0: Okay. You just wanna say 9%?\n\nChannel 1: I think.\n\nChannel 0: So if you're looking at increase have you refinance and you were able to do it, I don't know. I'm not too sure. And so we do all the numbers, but if you were to re if you were to consolidate that debt into the mortgage, you essentially, you're right. You do pay more interest over time. But if you'd look doing apples for apples over a three or five year term, whatever your loan is for your car, you're paying significantly less on that same $57,000 worth of loan over that five years than you are at the moment.\n\nAnd it opens up your cash flow. So if you're really concerned about it, they should\n\nChannel 1: You\n\nChannel 0: say\n\nChannel 1: could\n\nChannel 0: then\n\nChannel 1: you could even invest\n\nChannel 0: you\n\nChannel 1: $200 a fucking week. Yeah. That makes\n\nChannel 0: offset.\n\nChannel 1: so much sense.\n\nChannel 0: Exactly.\n\nChannel 1: Yeah.\n\nChannel 0: You can off you can offset the interest charge by utilizing an offset account. Do you have an offset account on your primary place of residence?\n\nChannel 1: We don't, and that's what I wanted to set up because we also do my mom helped us get this house. So we owe her $40, which I have started saving $3.50 a fortnight for. So that would pay her over I think it's about four years. And I wanted to put that in she's happy for us to put that in our offset account.\n\nChannel 0: So you\n\nChannel 1: So\n\nChannel 0: do\n\nChannel 1: that's\n\nChannel 0: happen\n\nChannel 1: where\n\nChannel 0: to\n\nChannel 1: the\n\nChannel 0: offset account? Or\n\nChannel 1: no. We don't. But I was gonna start one when I went and spoke with the mortgage broker.\n\nChannel 0: Yeah. Okay. So I would definitely be looking at that\n\nChannel 1: Yes.\n\nChannel 0: because that that money, that $350 a week or fortnight, you said,\n\nChannel 1: Yes.\n\nChannel 0: was it a week or a fortnight?\n\nChannel 1: Fortnight.\n\nChannel 0: So that $350 a fortnight is gonna work a lot harder for you and Brendan. Brandon, should I say? Is\n\nChannel 1: Yeah.\n\nChannel 0: it Brendan?\n\nChannel 1: Yeah.\n\nChannel 0: Brendan.\n\nChannel 1: Brandon.\n\nChannel 0: Right?\n\nChannel 1: Yeah.\n\nChannel 0: Brendan.\n\nChannel 1: Yeah.\n\nChannel 0: So that'll work a lot harder for yourself and Brendan. Sitting in offset and offsetting that interest charge of, you know, 6.39% than sitting in a cash bank account that is getting the cash rate less fees, less inflation, which is about the cash rate at the moment anyway. So you're going you're losing you're you're losing value on every dollar you hold in cash.\n\nChannel 1: Yeah. Correct. That's why I did wanna set that up. And we also save about 250 a fortnight for holidays, so that would be in another offset if we could.\n\nChannel 0: Yep. Yep. And there's lots of different products out there that your mortgage broker will be able to discuss with you regarding different linking accounts. If that's a product that you're interested in to\n\nChannel 1: Yes.\n\nChannel 0: link up a whole bunch of different accounts to one one loan, you can definitely get products out there on the market that do that.\n\nChannel 1: Lovely.\n\nChannel 0: Beautiful. Amazing. So, yeah, that's definitely something that you should get onto sooner rather than later,\n\nChannel 1: Is\n\nChannel 0: preferably.\n\nChannel 1: that something you would do with the car? I just didn't think that would be a good idea because it is a depreciating value, and you're putting it on your house, which\n\nChannel 0: Is it appreciated in value?\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: It's\n\nChannel 0: So absolutely, it's a good idea.\n\nChannel 1: And I and I'm I was thinking, like, if we wanted to take the equity and buy another property, it would be better if we didn't have it on the house.\n\nChannel 0: Well, you're gonna have to take that off of your services called Serviceability. You're gonna have to take that loan of, what, 57,000\n\nChannel 1: Yes.\n\nChannel 0: off your Serviceability. So if\n\nChannel 1: Yep.\n\nChannel 0: you have it it's gonna be better financially. Just I don't know a 100% because I\n\nChannel 1: Yep.\n\nChannel 0: lost I haven't done the numbers yet. So, you know, just keep that in mind. But just by doing this for a while and, you know, looking at your situation, I would assume that it's it's gonna be by five that same five or four year term of a car loan. It can be a lot more a lot more beneficial for you to consolidate all that debt into a non into a appreciating asset, not a deep appreciating asset, that's\n\nChannel 1: Yes.\n\nChannel 0: almost half the interest rates on the same dollars that you're paying, and it's actually in something that's growing in value instead of a nondeductible interest charge that you're paying on an asset that depreciate in\n\nChannel 1: Yep. Okay.\n\nChannel 0: value.\n\nChannel 1: That makes\n\nChannel 0: Okay?\n\nChannel 1: the sense.\n\nChannel 0: Yeah. So that's something you should definitely look at. But once you kinda get in on top of that and you start, then you will essentially not have enough to put down as a refinance to equity release and then purchase investment property. But at least it gives you an idea of how quickly you can pay loans off. And we can do all those numbers and give you recommendations on that as well.\n\nChannel 1: Yeah.\n\nChannel 0: Okay? So this is kind of how we build a relationship and, you know, stay stay working with clients all the way up until they call it a day. And we still carry on cracking up, I guess. But that that does that kinda give you an idea of the whole diversification branch, not using other people's money and kind of looking at smarter ways to to make your money work harder for you.\n\nChannel 1: Yep. Definitely. Yep.\n\nChannel 0: Perfect. I mean, all systems based on you know, that that mortgage that you're paying 6.39 on for your home, you borrowed that from a bank. Right?\n\nChannel 1: Yeah.\n\nChannel 0: And that bank borrowed that from the Federal Reserve, and they've gotta pay that back at a at a another interest rate, which is called the cash rate. So it was\n\nChannel 1: Mhmm.\n\nChannel 0: just 4.35 at the moment. So, you know, it's the money that you borrowed from the bank, they borrowed themselves. So that's\n\nChannel 1: Yep.\n\nChannel 0: kinda the\n\nChannel 1: Yeah.\n\nChannel 0: chain\n\nChannel 1: Yeah.\n\nChannel 0: along the way. But, essentially, after that, once you once we get you to the position of your goals and objective, which I'll confirm in a bit, but then we start looking at really wonderful ways to crystallize on those assets and not pay anywhere near as much tax as you\n\nChannel 1: Okay.\n\nChannel 0: you should. And that's that's things like cost structure, social security strategy, self managed super funds or something as well. Key to us, and then you can call it a day and retire and file. And look at intergenerational wealth, which is what we call ceding. And then the loop starts again for your kids.\n\nChannel 1: Yeah.\n\nChannel 0: So does that does that kinda make sense in terms of the whole world cycle thing?\n\nChannel 1: Yeah. Definitely. Yeah.\n\nChannel 0: Perfect. Amazing. But we'd all start with looking at those insurances. And then, you know, after we do that, if it's appropriate, we'd look at those superannuation, give you a recommendation on that as well if you wanted to.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Amazing. Next couple pages is pretty much our story between myself and my business partner on number four of page five, I think, but page four. Meet our experienced team, that's myself, Severiano Zaza, and Sebi's other, but, you know, Sebi's a lot easier. I didn't have a choice in the matter. It just came up.\n\nChannel 1: Yes.\n\nChannel 0: What they gave me, my credentials, and a little bit of a blurb about how awesome they are. Feel free to leave me your own time. My business partner, and the rest of our experienced team. And at the end of the document, there's a little bit more about Occhio Australia, which is just a link between, you know, financial planning, mortgage broker, you know, lending services, and accounting. So there's nothing worse than recommending client server to somebody else that, you know, doesn't they drop the ball or don't service you as a client in their own, you know, in their own expertise?\n\nIt just looks bad on me. Right?\n\nChannel 1: Yes.\n\nChannel 0: So so that's why we create I work with a close knit network. So if we speak to your mortgage broker, I would I would want them to be a part of this nice little network They remain. But that's a little bit more about us. And looking at the file, the last thing I need to go through is the financial services guide, and they will just gather some further information about you, and then we're done. K?\n\nChannel 1: Yes. Last name?\n\nChannel 0: Amazing. So the second document in that email that I sent out is the Oakview financial services guide. Now this is a little bit more about fees and everything else.\n\nChannel 1: Yes.\n\nChannel 0: And this is mostly the compliance, so I'll try and get through it as quick as possible. But, essentially, this is us, IP Financial, all the same details as before. The purpose of this FSG on the next page, are you looking at we'll go through each step. So number one, number two, number three.\n\nChannel 1: Yes.\n\nChannel 0: Are you look are you on that page yet? Or\n\nChannel 1: Yes.\n\nChannel 0: amazing. So the purpose of this FSG is just to make sure that you know that I'm authorized or we are authorized to give personalized financial advice. How we're paid, any sort of conflicts, and what to do if I run away with your money, essentially. So we, as IP Financial, who we are, we essentially run our own Australian financial services license, which means that we are we don't have anyone above us other than the Australian Securities and Investment Commission and the federal government that tells us what to do. So, usually, you know have you ever looked into, you know, Sky let's say Sky Wealth you were talking about?\n\nWas that was that the firm that you're talking about before\n\nChannel 1: Yeah.\n\nChannel 0: for\n\nChannel 1: It\n\nChannel 0: the\n\nChannel 1: was. I have not looked into it. No.\n\nChannel 0: okay. So Sky Financial, they are based on the Gold Coast Financial Advisors. We just do a quick Google search. So Sky Financial Advisors look. Yep.\n\nSo they're essentially if I just grab their their website and I come down underneath to the bottom of their page on their disclaimer, they essentially what Link Wealth Group Proprietary Limited trading as Sky Advisors is an authorized representative of Acumen Financial Plan. Right? So so that Sky Financial or Sky Advisors, they are working as what's called an authorized representative of an AFSO, an Australian Financial Services license. We at OJU run our own license. So we don't\n\nChannel 1: Yep.\n\nChannel 0: have we don't have somebody like Acumen, for example, financial planning about us, telling us what products we need to recommend or, you know, anything like that. We've got the freedom to we got awarded that. ASIC awarded us with our own financial license, which the likes of the big banks and insurance companies have. So we can we can pretty much get advice on a lot across the entire scope. It doesn't bother us.\n\nSo that gives you an idea of making sure that we look for the right product for our clients. And our Australian Financial Services license number is 513068. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Lack of independence. We can't say that we're independent or unbiased or impartial. The reason for that is because even though we run our own license, we have ASIC above us. So it's just part of the regulations in the corporations act. I mean, make sure that's it.\n\nBut on page four, the services we provide, we can I just broke it down very simply there between deposit payment products, government debentures, stocks and bonds, life insurances, that's where you're in, and all the rest, all the way down to super? That's all on our approved product list. But our APL, we can have been directed and, you know, been qualified and the degrees that I've got and all the bits and pieces that asset likes to see. You know, we can we can essentially recommend any products on the planet and any sort of strategy. I've got some qualifications too.\n\nSo to give you a little bit of peace of mind. The way that we kind of provide our advice, that's number five, is we go through this initial contact, understand your information, and get your goals, your risk profile, and show you a bit about us. After that, we're booking some time, another two weeks or so, to give you our recommendation. And from there, you say you can say yay or nay. Essentially, you you can say, no.\n\nI don't like this. Go away. And we don't charge you anything because you're in the insurance, the root stage of the advice stage. Or you like what we propose and it suits your needs, and we can show you how you're tracking for retirement. And then from there, what we'll do is you'll give us authority to proceed, the consent to move forward.\n\nAnd after that, we will implement everything for you and get paid by the insurance company if you're only looking at insurances. And then we keep you on track. We catch up every quarter and then every twelve months. We review your needs. We review your debts, and we make sure that your insurances are adequate for your needs.\n\nDoes\n\nChannel 1: That's awesome.\n\nChannel 0: that make\n\nChannel 1: That's yeah. That that's crazy. Yep.\n\nChannel 0: cool. Part of the fee and charges. So this is our fee structure. There's an upfront and an ongoing service fee. We the each stage is a little bit more\n\nChannel 1: Okay.\n\nChannel 0: complex than the neck. So we do charge a essentially, a letter of engagement charge, which is quite like the $450, you know, $450 Sky Wealth, I think it was SkyVis, whatever the workers you're talking about before.\n\nChannel 1: Yep.\n\nChannel 0: They charge a it's it's to cover our expenses. You know, my time and the lights, all the staff, the team, absolutely everything, as well as the preparation of the the documents. It's a pretty you know, like, carpenters build a desk or build the frame of the house. This document's personalized to you. It's a it doesn't seem it doesn't look as big as a house, but when you're looking at 70 pages or up to 200 pages worth of work and, you know, weeks and sometimes even up to a month worth of planning and preparation, it it take care of the expense of it gets up there.\n\nSo that's why for more complex strategies, we charge at the differently at different stages. Because\n\nChannel 1: Yes.\n\nChannel 0: you are because you're in the root stage and, you know, bringing you on board as a client and making sure that we can show you our worth, we start with those the root section. And for that, it's complimentary for us to write this statement of advice, whether it'd be insurances, just superannuation, referring you over and looking after your accounting so we can do notice on the terms of claim and all these weird and wonderful things to get more tax back at the end of the day. So it's good\n\nChannel 1: Yep.\n\nChannel 0: because we know how to spend our money better than the government does after five. So yeah. But even if we do all three of those strategies and give you give you a recommendation on that, it's completely complimentary. And then, yeah, we're pretty confident in our services. So that's why we do that part for for a complimentary service.\n\nAnd then from there, we would charge once you're happy to proceed, we charge $4,950 out of the asset that we manage, which is like superannuation or investment portfolio. But because we're not, you know if we're just looking at insurances, we don't charge that out of your super, let's say. We we would just get paid 66% of whatever the insurance premium is. So let's say you've got a thousand dollar. Your your insurances that we recommend for you that you wanna go ahead with cost a thousand dollars, we would get paid $660 from the insurance company for that.\n\nDoes that make sense? So usually so just just to reiterate, so usually, if we're looking at somebody at your agent stage with yourself mad yourself, Allison, and Brendon, and\n\nChannel 1: Yes.\n\nChannel 0: you're looking at getting started at the roots stage. Alright? You you wanna get your super insurance and get that sorted out so you're growing for retirement, but at the\n\nChannel 1: Yes.\n\nChannel 0: same time, you're making sure you're protecting yourself and your family if something were to go wrong. We look at that strategy. We don't charge any initial upfront cost. Whereas if you've already got your super insurance to sort it out, and you're speaking to me about, you know, leveraging and getting investment portfolio and looking at investment property straight off the bat to draw up the statement of advice, which we're gonna present you the recommendations in. That's gonna cost $2,200 to get it started.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: So with the with this if you do the soup just the super\n\nChannel 0: Yep.\n\nChannel 1: oh, just oh, sorry. Not the super. Just the insurances.\n\nChannel 0: Yep.\n\nChannel 1: You still take money at each year? Is that right?\n\nChannel 0: No. So if we do not manage your super and only give a recommendation of insurances\n\nChannel 1: Yes.\n\nChannel 0: because we charge a upfront and ongoing fee. So upfront fee of $4,950 out of the assets we manage. Or for couples, $6,600. So 3,300 proportion of the year, it's gone more or less of the assets we manage. Because we're only looking at insurances, we're not managing any of your assets, like superannuation or anything like that.\n\nSo we don't we can't charge a percentage of zero. So we would only\n\nChannel 1: Yeah.\n\nChannel 0: get paid from the insurance company. Does that answer your question? Or\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: so the insurance company would pay us 66% of whatever the insurance premium you'll pay out of your super fund or out of your back pocket for that life, PPE, income protection, and trauma, whatever whatever you need. They would pay us a commission on that and then 22% every year after that, which is disclosed down in the next kind of area. So that's the ongoing service fee on funds under management. But we're not if we don't if we don't give a recommendation on your super, we don't charge anything out of your funds under management because we don't manage any of your funds. We only look at insurance.\n\nChannel 1: Okay. That's very confusing.\n\nChannel 0: Okay. So because we don't manage any of your super, no. We do not charge those fees. We get paid from the insurance company.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: If we if we do if we do manage your super, we will charge those fees.\n\nChannel 1: Okay. Yeah. Yeah. Yeah.\n\nChannel 0: Does that make does that make it a little bit clearer? Or\n\nChannel 1: Yeah.\n\nChannel 0: perfect. So did you wanna just kinda start off with a insurance recommendation first and then see how that goes? Or\n\nChannel 1: I'm thinking yes.\n\nChannel 0: yep.\n\nChannel 1: Just the insurances for now.\n\nChannel 0: Yeah. No. That's okay. It makes sense. Perfect.\n\nAnd then for an ongoing service fee, if we were to look at superannuation or investments or anything like that funds that we manage as an investment, then there's those ongoing features that would kick in. But, again, because we're only looking at insurances, you don't pay us anything. Does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Are you sure you sound hesitant?\n\nChannel 1: What's the implementation fee again? Sorry.\n\nChannel 0: So the implementation fee is if we were to implement the changeover or the management of your funds under management. So, like, your money in superannuation, for example.\n\nChannel 1: Yes.\n\nChannel 0: If we were to move that money around and change the investments, whether it be in q super or any other super fund out there, that takes a lot of work, and then we start managing those assets on top of the insurances. So that's when that fee would kick in because, yeah, there's a lot to it. There's a lot to invest in.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Okay? So because we're not looking at that for the meantime, which you indicated, we only\n\nChannel 1: Yep.\n\nChannel 0: wanna look at the insurances. We'll give you a recommendation on your insurance cover, what you need. We'll calculate exactly what your level of coverage that you need to be covered for, and then we'll give that recommendation. If you wanna proceed with it, then we'll get paid commission from the insurance company, which is 66% of whatever your premiums are between you.\n\nChannel 1: Yep.\n\nChannel 0: Okay. But I I'll I'll show all of that and disclose all of that in the statement of the device that we provide in a couple of weeks' time.\n\nChannel 1: Okay. Perfect.\n\nChannel 0: Okay. So that that would give you a much clearer idea because we're trying to break it down there.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Okay. So outside of that, there is the last thing I really wanna go go over is what happens if, for some reason, you know, if you were to invest your super with us, you or you find out that I'm drinking pina coladas in The Bahamas with your money or, you know, I hold on, something happens and, you know, Brandon pops away and I hold on to your assets, something along those lines, What do you do? Right? The first thing you do is you get in touch with our compliance manager of the Australian Financial Services license, which is me.\n\nBut\n\nChannel 1: Yes,\n\nChannel 0: I will be I'll be drinking pina coladas with your money in The Bahamas. So you probably won't wanna speak to me, and you wouldn't be able to get in touch. So for that reason, we've got a non practicing director who's part a business partner who is the yeah. He's essentially also the compliance manager, so you'll get in touch with him. And he you know, we're pretty reasonable.\n\nWe've never done anything like that. That's why he's gone business after all these years. But for some unknown reason, if this word occur, and Bob tells you to get stuff because he's gonna join me in The Bahamas somewhere, then you can go on to what's called an external dispute resolution, which is get in touch with AFTCA, the Australian Financial Complaints Authority, and all their details is at the bottom of that number 11 complaint handle, if you can see that.\n\nChannel 1: Yes.\n\nChannel 0: Beautiful.\n\nChannel 1: No.\n\nChannel 0: Do you have any questions before we get grab some details? Because we're pretty much at the end. No? Sure.\n\nChannel 1: No questions\n\nChannel 0: Yes.\n\nChannel 1: so far. If if we do change our mind and want to go on to a few of our other things,\n\nChannel 0: Yep.\n\nChannel 1: we can we can do that at another time, can we?\n\nChannel 0: Absolutely. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Did\n\nChannel 1: Yep.\n\nChannel 0: you what I found is actually pretty beneficial because you are essentially in that complimentary consultation phase. What we usually recommend what we usually do is review the skip a recommendation on the superannuation as well as your insurances because when you get to then we can show you the implications of it. Because when I propose and give you the recommendations, if you you can tell me you don't wanna go ahead with superannuation and you just want\n\nChannel 1: Yes.\n\nChannel 0: the insurances, then I have to go ahead with the insurances. And then there's no of those extra charges. But if you do the insurance only and then we do the statement of advice later for superannuation or those other stages, then you're just gonna be spending more money.\n\nChannel 1: Yep.\n\nChannel 0: So it's worthwhile to do the complimentary, you know, statement of advice for the whole root section now and tell me you don't wanna do something rather than say you just wanna do it now, and then I do more advice and charge you for it down the track, if that makes sense.\n\nChannel 1: Yeah. That makes sense.\n\nChannel 0: Okay. Because you don't have to go ahead with the recommendations or you don't have to go ahead with any of them. You don't have to go ahead with all of them. You you we we it's more of a discussion when we present that recommendation and advice to you. So you can say, oh, we wanna proceed with insurance, but not super.\n\nAnd I'll say, not a problem. Let's do that.\n\nChannel 1: Perfect. And the that $4 from your super isn't actually paid until you actually start playing with our supers?\n\nChannel 0: Yeah. Well, until you sign up to save it, sign to what we call a ATP or authority to proceed. So when you get back in touch and I present the statement of life and show you the recommendations, you I won't charge you until you say, yes. I want to proceed with this recommendation, whichever one it might be. And if it's not super, it's only the insurances, then we'll just get paid commission from the insurance company.\n\nBut I can show you the benefits of actually you know, if there is something that's better for you on the market. And if there's not, then why would I I can't give a recommendation because you wanna go ahead with something that's gonna make you in a worse off position. Right?\n\nChannel 1: Of course.\n\nChannel 0: So yeah. So if that kinda makes sense, it's worthwhile just doing the full scope, which is super insurance, and then, you know, decide whether it's for you or not.\n\nChannel 1: Sounds good to me.\n\nChannel 0: Beautiful. Cool. Alright. Well, look, the next step is just running through some basic details for yourself and Brandon, and and then go through a risk profile questionnaire. And after that, we'll just book another time to catch up, another couple weeks.\n\nChannel 1: Perfect. Sounds good.\n\nChannel 0: Beautiful. So it's Savan Nocio. Is that\n\nChannel 1: Yeah.\n\nChannel 0: right?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Yeah. Alright. Well, yeah. I got given Severiano, so my best guess is pronounced all the time.\n\nI understand. And, Brendan, it's just is it Brendan Smith?\n\nChannel 1: Yep.\n\nChannel 0: Or It's Brendan Smith. Beautiful. Perfect. And what's your what's each of your date of birth?\n\nChannel 1: Mine's the tenth of the eleventh nineteen ninety seven,\n\nChannel 0: Nineteen ninety seven. Yep.\n\nChannel 1: and Brendan's is thirtieth of the first nineteen ninety seven.\n\nChannel 0: 1997. Beautiful. I'm a Scorpio myself.\n\nChannel 1: Yeah.\n\nChannel 0: Sports I'm the I'm the November 4.\n\nChannel 1: On the fourth. Yep.\n\nChannel 0: Yep. Pretty close. And I I've got to ask this question of knowing this day and age. I'm assuming you're a female and your brother's male.\n\nChannel 1: Yep. Definitely.\n\nChannel 0: Beautiful. And are you guys because of the different names, are you guys married or are you just a doctor\n\nChannel 1: No. We're not\n\nChannel 0: or\n\nChannel 1: married yet.\n\nChannel 0: Okay. Okay. Do you have any plans on me getting married or No. That's alright.\n\nChannel 1: Just haven't had the financials to do it. That's the issue.\n\nChannel 0: No. That's alright. I completely understand. Yeah. We just so you're aware as well, part of being a financial adviser is making sure that you've got the financial stability.\n\nSo, you know, when you come aboard as a client, not just for insurances, if you wanted to grow your wealth, like I said before, that process, then we'll be working together and making sure that that's able to be achieved along the way. Okay?\n\nChannel 1: Oh, that's awesome. Yeah.\n\nChannel 0: Beautiful. So something to consider. I've got you both your phone numbers. I've got your email addresses. I've got your home address.\n\nDo you have a different postal address?\n\nChannel 1: No. Same.\n\nChannel 0: Beautiful. And what do you do for employment? What's your occupation?\n\nChannel 1: So I'm an emergency nurse in ED.\n\nChannel 0: Amazing.\n\nChannel 1: Oh, in kids. My gosh.\n\nChannel 0: Thank\n\nChannel 1: My\n\nChannel 0: you\n\nChannel 1: brain's\n\nChannel 0: so much.\n\nChannel 1: not working at this time of the day.\n\nChannel 0: That's that's alright. I completely understand. Emergency department, thank you so much for everything you do. Nurses get nowhere near enough appreciation for what you guys do. It's unbelievable.\n\nChannel 1: Oh, it's crazy.\n\nChannel 0: It's crazy. And Brendan is Brendan for their role?\n\nChannel 1: He's just downstairs with the kids. He's a excavator operator.\n\nChannel 0: Excavator operator. Beautiful. And your do does he ever work more than 12 meters in height doing that? Or\n\nChannel 1: 12 meters at heart. Sometimes, like, on the edge of a cliff, but, like, not often.\n\nChannel 0: okay. And looking up the strategy, did you want me to do this in the recommendation just for yourself or for yourself and Brandon?\n\nChannel 1: Both of us. Yeah.\n\nChannel 0: Okay. Perfect. I'm I'm gonna need to speak to Brandon if that's\n\nChannel 1: Yeah.\n\nChannel 0: okay.\n\nChannel 1: Go for it. Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Just\n\nChannel 0: So\n\nChannel 1: go shopping. Brandon, there's a question. Do you work above 12 meters high? Oh, jeez. Twenty twenty eight plus is 12 meters hot, though.\n\nIt's like yeah.\n\nChannel 0: Yeah. 12 yes. I I know. Since this is for the insurance, I'm reckon, more the insurance applications when we get them. So 12 meters height is if you're on a roof, if you're ever if you're if you're essentially in the excavator above 12 meters in the machine itself.\n\nChannel 1: So, like I said, at the moment, we're doing a road on the side of a side of a hill, side of side of a mountain pretty much, and, like, you know, down off the edge of the hill is\n\nChannel 0: So\n\nChannel 1: a big it's a big drop. 12 meters. It's probably it's probably 35 meters in the air, but it's the drop it's not a sheer drop down. It's\n\nChannel 0: yeah.\n\nChannel 1: pretty\n\nChannel 0: Okay.\n\nChannel 1: steep,\n\nChannel 0: So\n\nChannel 1: but\n\nChannel 0: so I'll pause here just there. So so for insurance purposes, because I need to write down everything you kinda say. So for insurance purposes, on the side of the mountain digging a road as an excavator operator, I would assume that it's not a sheer cliff like you said.\n\nChannel 1: No.\n\nChannel 0: It's more\n\nChannel 1: Not\n\nChannel 0: of\n\nChannel 1: a\n\nChannel 0: a\n\nChannel 1: shift with it.\n\nChannel 0: yeah. It's more of a gradual kinda 35 meter, like like, an embankment. Yeah?\n\nChannel 1: Yeah. It might yeah. It might be steep, but it's not a it's not a sheer drop.\n\nChannel 0: Perfect. Beautiful.\n\nChannel 1: Technically,\n\nChannel 0: And at no\n\nChannel 1: I don't work at heights. No.\n\nChannel 0: beautiful. And at no point in time do you kinda you know, you have that, like, a bit overhanging, a 12 meter clip,\n\nChannel 1: No.\n\nChannel 0: or any\n\nChannel 1: No.\n\nChannel 0: sort\n\nChannel 1: Nothing\n\nChannel 0: of risk\n\nChannel 1: like\n\nChannel 0: of\n\nChannel 1: that.\n\nChannel 0: that. Beautiful.\n\nChannel 1: No.\n\nChannel 0: And what\n\nChannel 1: Jobs\n\nChannel 0: do you what\n\nChannel 1: don't\n\nChannel 0: do you call\n\nChannel 1: allow that.\n\nChannel 0: yep. Perfect. And maybe and do you only work on roads or, like, civil? Or\n\nChannel 1: Civil, we do we do all sorts. Civil, council work, rock walls. We, like,\n\nChannel 0: yeah. Gotcha. Gotcha.\n\nChannel 1: yeah, we do a vast variety of stuff, marine stuff, like some stuff in the water.\n\nChannel 0: Okay. What kind of stuff in the water do you do?\n\nChannel 1: Oh, not so like the\n\nChannel 0: Yep.\n\nChannel 1: the rock walls we're doing is it's not\n\nChannel 0: Is\n\nChannel 1: like,\n\nChannel 0: it\n\nChannel 1: we're\n\nChannel 0: in\n\nChannel 1: not\n\nChannel 0: a\n\nChannel 1: exceeding\n\nChannel 0: harbor or is it just outside of it? More like more like just making sure that you're you're\n\nChannel 1: open\n\nChannel 0: you're ensuring\n\nChannel 1: shore. Yeah.\n\nChannel 0: that\n\nChannel 1: So we go out\n\nChannel 0: the\n\nChannel 1: 10\n\nChannel 0: way it's\n\nChannel 1: meters\n\nChannel 0: been\n\nChannel 1: out\n\nChannel 0: handled.\n\nChannel 1: in. Yes. Open shore, we go out about 10 meters into the water, and it's\n\nChannel 0: Cool.\n\nChannel 1: only a meter and a half deep. So there's no\n\nChannel 0: Max\n\nChannel 1: yeah.\n\nChannel 0: is 1.5 meters. Yep. Yep. Yeah. Understood.\n\nPerfect. And you're a 100% field based. Yeah? Do you work for are you employed? You're not self employed or\n\nChannel 1: Yeah.\n\nChannel 0: ABN?\n\nChannel 1: That's I'm I'm employed. Yeah.\n\nChannel 0: Right. Beautiful. And what kind of qualifications do you have? Escobar Drive, obviously.\n\nChannel 1: I have the ticket, what card\n\nChannel 0: Yeah. Gotcha. We\n\nChannel 1: yeah.\n\nChannel 0: got\n\nChannel 1: Got it.\n\nChannel 0: it. Beautiful. Megan, how long what's your employee's name?\n\nChannel 1: Marino\n\nChannel 0: Like, what's\n\nChannel 1: plant,\n\nChannel 0: the\n\nChannel 1: Ohio.\n\nChannel 0: We know it's vampire. Beautiful.\n\nChannel 1: Can you talk me over the window, please, Michael? Oh, loud.\n\nChannel 0: Yeah. No. I\n\nChannel 1: There\n\nChannel 0: I know that. I know that. I can guarantee\n\nChannel 1: we\n\nChannel 0: my five year old's getting in fighting\n\nChannel 1: go.\n\nChannel 0: because his dinner's ready and he's just starting to get out of his bed. And how long have you how many years have you been in the industry?\n\nChannel 1: Yeah. And the service, I think,\n\nChannel 0: Seven\n\nChannel 1: six six\n\nChannel 0: years\n\nChannel 1: or\n\nChannel 0: from\n\nChannel 1: six\n\nChannel 0: what\n\nChannel 1: or seven years. Six or seven years, I think, roughly.\n\nChannel 0: that? Amazing. And you're a full time employee?\n\nChannel 1: Yeah. Full time. Yep.\n\nChannel 0: And you say you work about thirty eight, forty hours a week?\n\nChannel 1: Yeah. Most weeks, it's fifty, sometimes sixty\n\nChannel 0: Let's go\n\nChannel 1: of\n\nChannel 0: forty\n\nChannel 1: weeks.\n\nChannel 0: five for insurance purposes. Gross income of record. Gross income per annum, what would you say you earn every year?\n\nChannel 1: Well, last year, I earned 90 last financial year was 97,000 or less, I think.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: K.\n\nChannel 0: And do you get any sort of, you know, bonuses or anything like that?\n\nChannel 1: No.\n\nChannel 0: Yep. The plan is 97,000 plus super.\n\nChannel 1: Well, that's alright.\n\nChannel 0: Is it $90,000 plus super? 97,000 plus super?\n\nChannel 1: I think it's super because that's that's just what it says on the end of the financial year tax return thing.\n\nChannel 0: Amazing.\n\nChannel 1: I'm not sure\n\nChannel 0: Yeah.\n\nChannel 1: whether\n\nChannel 0: Gotcha.\n\nChannel 1: it's yeah.\n\nChannel 0: And who's\n\nChannel 1: And\n\nChannel 0: your\n\nChannel 1: if\n\nChannel 0: Superfund with?\n\nChannel 1: possible. Yeah.\n\nChannel 0: Yeah. Plus Superbeautiful. And who's your Superfund with?\n\nChannel 1: Three bus super.\n\nChannel 0: You guys construction and building industry. Beautiful. If I shoot you through an email after this evening or maybe tomorrow morning, like I said, five year old get hungry tomorrow morning to yourself and Madison. Would you be able to just maybe shoot through a statement of that c plus super for our recommendations? Doesn't mean you have to go ahead with anything.\n\nIt's like I explained to Madison before, is we found that it's it's beneficial to do the full recommendations now where you can both say you don't wanna go ahead with something\n\nChannel 1: Yeah.\n\nChannel 0: rather than do just one strategy now and then, you know, and then and then have to do it down the track anyway. You\n\nChannel 1: Yeah.\n\nChannel 0: know? So beautiful. Awesome. Outside of that, I think that's everything I needed from you. Do you salary sacrifice anything into super or raw?\n\nChannel 1: No.\n\nChannel 0: And\n\nChannel 1: No.\n\nChannel 0: do you have an EBA for your employer?\n\nChannel 1: No. I'm gonna say no.\n\nChannel 0: No.\n\nChannel 1: I\n\nChannel 0: Yes.\n\nChannel 1: should probably find\n\nChannel 0: Beautiful.\n\nChannel 1: out, but I don't think we do.\n\nChannel 0: Yeah. So you you don't have to pay to the service, to fund a union or something like that. Right?\n\nChannel 1: No.\n\nChannel 0: Beautiful.\n\nChannel 1: No.\n\nChannel 0: Beautiful. Beautiful. And are you currently a smoker? Beautiful. Have you smoked in the past twelve months?\n\nChannel 1: No. The past twelve months. No.\n\nChannel 0: No. Do you have any significant health issues or injuries on doctor's records?\n\nChannel 1: No. Come on. What's that? Oh, you're giving me five times now. My god.\n\nIt's terrible. He's got asthma. Oh, yeah. He's got eczema. Well, it's a low low pressure for asthma.\n\nChannel 0: Yeah. No. That's right.\n\nChannel 1: And he's had a few skin cancers cut out. Oh, no. They weren't fully skin cancers. Sorry. They were just BBSs or\n\nChannel 0: Yeah.\n\nChannel 1: the basal carcinomas, BCCs.\n\nChannel 0: That'll pass the numbers. Yeah. Gotcha. So trauma is probably gonna be out of the question for you, Brendon, but definitely life changing and income protection. I can probably we could probably look at some sort of income some sort of insurances like that.\n\nChannel 1: Yep.\n\nChannel 0: But, yeah, just with trauma because it literally covers the majority of it, covers and gets paid out on cancer. That's gonna be really difficult for you to get.\n\nChannel 1: Yep.\n\nChannel 0: But I'll try. I'll have a look around. But outside of that, as my ex wife and BCC, do you have anything else that's an issue or\n\nChannel 1: No.\n\nChannel 0: Yep.\n\nChannel 1: This is why I\n\nChannel 0: Beautiful.\n\nChannel 1: have medicine around because I get these things.\n\nChannel 0: Yeah. My my message is exactly the same. We got I'm only good at the financial planning, flight things, the the everyday life stuff. Not so good at it. So do you take any medication, and do you have private health cover?\n\nChannel 1: No.\n\nChannel 0: No. No.\n\nChannel 1: No medication. No problem. No problem.\n\nChannel 0: Beautiful. And what's your\n\nChannel 1: Oh,\n\nChannel 0: height\n\nChannel 1: it's\n\nChannel 0: and\n\nChannel 1: probably\n\nChannel 0: weight?\n\nChannel 1: helping too. Oh,\n\nChannel 0: Yeah.\n\nChannel 1: that's\n\nChannel 0: It's your\n\nChannel 1: extras. Extras. Yeah.\n\nChannel 0: beautiful. And what's your height and weight?\n\nChannel 1: Oh, it was a hundred and eighty what was it? What's your question? What's how how tall am I measuring it? A hundred and eighty seven? Yep.\n\nHundred and eighty seven centimeters? No. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Seven.\n\nChannel 0: Yep. And\n\nChannel 1: And\n\nChannel 0: weight.\n\nChannel 1: nineteen six kilos?\n\nChannel 0: This is k g. Beautiful. That's my healthy BMI. Have I not reached out to the person? What's your height and weight?\n\nChannel 1: What's your height? Right? A hundred and seventy three centimeters. Hundred and seventy three.\n\nChannel 0: Yep.\n\nChannel 1: And then sixty six kilos.\n\nChannel 0: Beautiful. Sixty six kilograms. Amazing. And you don't smoke or haven't smoked in the past twelve months, have you?\n\nChannel 1: No.\n\nChannel 0: Awesome. Beautiful. And do you take any\n\nChannel 1: I've just been diagnosed with ADHD, and I take sex amphetamine.\n\nChannel 0: It must be a Scorpio thing.\n\nChannel 1: Yeah. I reckon it might be I also say I'm gonna I just got the script today. I'm gonna try the long acting one, but it's, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: same medication.\n\nChannel 0: Yeah. I got diagnosed with that stuff. He he way in my early teens. So it's sometimes I like to think of it as a super pound, to be honest.\n\nChannel 1: It is\n\nChannel 0: But\n\nChannel 1: a super power. This is how you started\n\nChannel 0: yeah.\n\nChannel 1: your own business.\n\nChannel 0: Yeah, probably. Lots of lack of sleep. I don't know what to do. Thanks for ADHD over there concerning. One of the two.\n\nIt's not both. And do you have you you obviously have the extras for the five and l as well?\n\nChannel 1: Yeah.\n\nChannel 0: Amazing. And do you guys have a will or power of attorney?\n\nChannel 1: No. We do need to get that sorted too.\n\nChannel 0: Not a problem. I'll when I give my recommendation on insurances as well as super, I'll just do do a recommendation of the power of attorney in there as well. And that will be involved with your binding nomination. So who you nominate to receive your insurance benefits, if either of you were to, you know, get full of your perch,\n\nChannel 1: Yep.\n\nChannel 0: let's say. So we'll do that. Last thing I wanna touch on is looking at your risk profile questionnaire. I don't make these questions up. The federal government does and ASIC.\n\nSo some of them are pretty pretty stupid. There's only a few of them, so I'll fly through them and then we're done. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: So how would you rate and this is each of you individually. K? So\n\nChannel 1: Okay.\n\nChannel 0: I just answered through for yourself. So how would you like to rate your willingness to take financial risk? Would you say that you're a very high risk taker, high risk taker, average, or low risk taker?\n\nChannel 1: I'm probably medium high.\n\nChannel 0: Medium, high. Two. So I'll say two.\n\nChannel 1: Brandon would be high high.\n\nChannel 0: High, high. Beautiful. And how would you how familiar are you with the investment markets? Would you say that you're comfortable with the investment knowledge? You're aware that markets kind of fluctuate both up and down?\n\nOr you've got\n\nChannel 1: Oh, yes.\n\nChannel 0: very\n\nChannel 1: I'm\n\nChannel 0: basic?\n\nChannel 1: do I'm aware of it. I just haven't oh, well, we've got a little we've got we invest $20. It sounds like nothing, $20 a week. But I just wanted to get into March.\n\nChannel 0: Yeah. No. That's fair enough.\n\nChannel 1: But I'm I'm aware of the fluctuations.\n\nChannel 0: Beautiful. So there are things like child builder bonds that you can invest into a high growth standard ETF, things like that. But we can look at that down the track if you did wanna obviously proceed with with the recommendations and things like that.\n\nChannel 1: Yes.\n\nChannel 0: But, yeah, there's lots of really wonderful things that you can do. Like a child build upon, you can pay no tax at the end of a ten year term. And it's in a high growth ETF that I think on average is, like, 11%, something like that. But, yeah, it's pretty crazy what you can do. So that's that's part of what we do mostly as well.\n\nWhat is the gross most aggressive investments you've ever made? Have you either of you bought direct shares before?\n\nChannel 1: No.\n\nChannel 0: So what investment are you buying with that $20 a week?\n\nChannel 1: I've got it on Sharesies, and\n\nChannel 0: Okay.\n\nChannel 1: I've got it as an auto invest. I had look. I have no idea when I set it up. I'm not gonna lie.\n\nChannel 0: Is\n\nChannel 1: But\n\nChannel 0: it is it does it have a ticket code like a VTS or\n\nChannel 1: yep.\n\nChannel 0: I\n\nChannel 1: So\n\nChannel 0: I\n\nChannel 1: I've\n\nChannel 0: v\n\nChannel 1: got\n\nChannel 0: z?\n\nChannel 1: I've got I think I've got two lots of ETFs.\n\nChannel 0: Okay. So\n\nChannel 1: So let's see what's\n\nChannel 0: the ETFs are direct shared. It's just a portfolio of diversified shares in the background.\n\nChannel 1: okay. There you go.\n\nChannel 0: So there you go. You pay\n\nChannel 1: So\n\nChannel 0: for directional.\n\nChannel 1: there I've got some in is it NASH? No. Right. ASX?\n\nChannel 0: Yep. Yep. So the ASX actually listed security or\n\nChannel 1: It's iShares S and P five hundred ETF\n\nChannel 0: Yeah.\n\nChannel 1: Australia.\n\nChannel 0: Yeah. That's the I IVD.\n\nChannel 1: Oh, sorry. That's IVV. Okay. The\n\nChannel 0: Yeah.\n\nChannel 1: first\n\nChannel 0: Correct. That's\n\nChannel 1: acronym. Sorry.\n\nChannel 0: Oh, that's fine.\n\nChannel 1: And\n\nChannel 0: So you got them\n\nChannel 1: and\n\nChannel 0: in IPV.\n\nChannel 1: then and then I've got Vanguard High Dividend Yield as well, v y\n\nChannel 0: Yep.\n\nChannel 1: n.\n\nChannel 0: Yep. BYS is great. Great investment. So it's IVV. The FPP 500 is incredible, Nick.\n\nBYS.\n\nChannel 1: Oh, sorry.\n\nChannel 0: Beautiful. And what?\n\nChannel 1: It's b y m.\n\nChannel 0: B y m. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. That's the high yielding one. Correct.\n\nChannel 1: Yeah.\n\nChannel 0: Alright. Now the next couple of questions are pretty important. So investments can go up and down in value. It's called volatility. So if we were to invest your superannuation, just for its sake, how much could your investment drop in value by over twelve months before you read this before either of you start getting concerned and anxious.\n\nWould you say that you you would start being concerned and anxious if you lose more than 50%, up to 50%, up to 25%, up to 10%, or up to 5%?\n\nChannel 1: Oh, wow. Let me work that out. What would be\n\nChannel 0: So how\n\nChannel 1: so\n\nChannel 0: much do\n\nChannel 1: I've got\n\nChannel 0: you have in your current\n\nChannel 1: I've\n\nChannel 0: Qsu\n\nChannel 1: got\n\nChannel 0: Group?\n\nChannel 1: a I've got a 110.\n\nChannel 0: The 110, let's just say. So so 10% is\n\nChannel 1: Yep.\n\nChannel 0: $11,000. If your portfolio dropped to 99 or 90 dropped to a $100,000, would you start\n\nChannel 1: Yeah.\n\nChannel 0: to feel concerned and anxious?\n\nChannel 1: Yeah. A little bit. Is that is that bad?\n\nChannel 0: No. It's it's it's not neither bad nor good. It's entirely your tolerance and capacity for us. So it's like, for me, I'm I'm if I see my portfolio drop more than 50%, I rub, you know, people like us rub our hands. You go and see the world crash.\n\nWe we think that everything's on sale. You know? So I've got\n\nChannel 1: That's\n\nChannel 0: a\n\nChannel 1: true. So\n\nChannel 0: yeah.\n\nChannel 1: yeah.\n\nChannel 0: I've\n\nChannel 1: Like,\n\nChannel 0: got\n\nChannel 1: it\n\nChannel 0: a completely different mindset too. Yeah. So it's\n\nChannel 1: Yep.\n\nChannel 0: entirely got to do with your risk and your risk profile. It's not mine or\n\nChannel 1: Yep.\n\nChannel 0: Brandon's. So would you say up to 10% you start getting concerned and actions or up to 25%?\n\nChannel 1: We'll take 25.\n\nChannel 0: 25? Yeah. And Brandon?\n\nChannel 1: Yeah. He's he'll be the same.\n\nChannel 0: Yeah. Are you able to be with them by any chance? Just just for\n\nChannel 1: Yeah.\n\nChannel 0: another\n\nChannel 1: He's he's\n\nChannel 0: four\n\nChannel 1: in\n\nChannel 0: questions?\n\nChannel 1: the bath. I'll I'll\n\nChannel 0: Okay.\n\nChannel 1: I'll ask him.\n\nChannel 0: I I can if you put me on loudspeaker, I can quickly run through these questions.\n\nChannel 1: Yeah. He's go for it.\n\nChannel 0: Alright. Between each of you, how would you feel if in six months after investing with, say, RFP Financial, say, your super, for example, you find out that your portfolio has decreased by 20 due to general trends in the financial market? What would you do? One, invest heavily expecting future growth. Invest modestly expecting future growth.\n\nWould you, three, hold and await improvement after speaking to your professional your financial professional, or would you tell me to get stuff to move everything to cash?\n\nChannel 1: Two? Oh, it's two.\n\nChannel 0: Two, invest two is invest modestly for growth. So invest modestly just to be wireless if the market's low expecting a further growth outcome. Yeah? Okay. And\n\nChannel 1: K.\n\nChannel 0: yourself, Madison? Or\n\nChannel 1: Myself?\n\nChannel 0: yep. Would you\n\nChannel 1: Outside\n\nChannel 0: hold?\n\nChannel 1: this time.\n\nChannel 0: You say the same? Beautiful. I've got one more question to ask both of you. How much oh, no. Not that one.\n\nHow have you ever thought about taking out a loan to invest? One, you have borrowed or open to borrowing for stocks and funds like we talked about before, that $100 example?\n\nChannel 1: Yep.\n\nChannel 0: Or you have borrowed or open to borrowing for investment property, or you've only borrowed for your home. Would you\n\nChannel 1: You would. I know you would. He he would take money from the bank and invest it. Yeah.\n\nChannel 0: beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: But for yourself, would you go and leverage against your home, your family home to invest in shares if market was down or something like\n\nChannel 1: Oh,\n\nChannel 0: that?\n\nChannel 1: against\n\nChannel 0: Or\n\nChannel 1: your phone?\n\nChannel 0: Yeah.\n\nChannel 1: Alright.\n\nChannel 0: So\n\nChannel 1: Go go to the question again. What was the question again?\n\nChannel 0: sorry. So have you ever thought about taking out a loan to invest? One, you have borrowed or open to borrowing for stocks and funds? Three, have borrowed or open to borrowing or investment property. So borrowing against your home, that's it, to invest investment property.\n\nOr five\n\nChannel 1: I'll invest in investment properties. Yes. Yes.\n\nChannel 0: oh, yeah. Okay. Gotcha. Perfect. And the follow the last question is thinking about the way you answered that last question, how would you how would taking out a loan to invest make you feel?\n\nWould you say that you're comfortable borrowing because you are aware of the risk and know how the potential of upside, but also know that you can lose a lot? Would you say that you're somewhat comfortable and cautious of the risk, or would\n\nChannel 1: Yeah.\n\nChannel 0: you say\n\nChannel 1: I'd take\n\nChannel 0: that you're\n\nChannel 1: cautious.\n\nChannel 0: Cautious. That's beautiful. Okay. With that, when is a suitable time? I'm gonna shoot you through an email, probably tomorrow morning.\n\nI know that my lovely fiance and Rikers, they're probably waiting for me. So I'm gonna have to run\n\nChannel 1: Of course.\n\nChannel 0: too.\n\nChannel 1: I'm so sorry for taking\n\nChannel 0: No. Don't\n\nChannel 1: up your\n\nChannel 0: be\n\nChannel 1: time.\n\nChannel 0: fine. No. No. No. Money never sleeps.\n\nIt's very true saying in our world. So what I need to do is I'll send you through an email probably tomorrow morning just asking for some, you know, super statements, insurance, certificates as currency. And if you don't have them, that's okay. Just send through what you can. And other than that, look, we have completed the initial consultation, so thank you for your time.\n\nWhen is a good time, maybe in a couple of weeks, for me to give you a callback and, yeah, run through a bit of a bit of a recommendation statement? Maybe even the end of next week? That was 05:00. It sounds like 05:00 knowing your your your your wage and your your your permanent part time is a e n, aren't you?\n\nChannel 1: RN.\n\nChannel 0: RN. Sorry. Yep. RN. I'm sorry.\n\nI didn't I didn't need to ask this. What is your wage per annum?\n\nChannel 1: Yep. My weight?\n\nChannel 0: Yeah.\n\nChannel 1: So because I've been on maternity leave. It's been quite down in the last three years.\n\nChannel 0: That's okay. What\n\nChannel 1: I\n\nChannel 0: would\n\nChannel 1: haven't\n\nChannel 0: you say\n\nChannel 1: been on\n\nChannel 0: it would\n\nChannel 1: maternity\n\nChannel 0: be\n\nChannel 1: leave.\n\nChannel 0: normally?\n\nChannel 1: It should be around 110 this year, I reckon.\n\nChannel 0: Okay. Good. And because you're with q super and you're working in Queensland as a RN, do you get the extra super benefits, your salary sacrifice, and all of that? Or\n\nChannel 1: Yes. So I'm salary sacrificing\n\nChannel 0: 5%.\n\nChannel 1: three hundred and 50 a week.\n\nChannel 0: Yep.\n\nChannel 1: I'm also salary sacrificing I think it's a percentage of my pay in extra into my super on top of the\n\nChannel 0: Yeah.\n\nChannel 1: I think they do a bit extra anyway as well.\n\nChannel 0: Yeah. So you get you do about 5% because 5% ends up getting you an extra kind of 4% match by the government. Right?\n\nChannel 1: I think\n\nChannel 0: So it's\n\nChannel 1: so.\n\nChannel 0: worth it. Yeah. It's worth it. Perfect. And you that's that's all good.\n\nThat's all good. Yeah. Look. That's that. When's a good time?\n\nI'm looking at does 05:00 in the afternoon suit you guys? It sounds like you're busy with the kids, but I'm assuming you're working on Final Pass.\n\nChannel 1: Yeah. That's perfect. Five o'clock's good.\n\nChannel 0: What about next week? What about next week Tuesday, 5PM?\n\nChannel 1: Yep. Perfect. Tuesday.\n\nChannel 0: Not a problem. I'll send you a calendar invite. Do you have any questions for me?\n\nChannel 1: No. That's it for now. I'll let you go to your family.\n\nChannel 0: That's alright. They've they've dealt with it for a very long time. So trust me, it's it's something that's pretty common. So I think financial statement of advice and scores. And yeah.\n\nLook. Thanks for reaching out. Look forward to\n\nChannel 1: Perfect.\n\nChannel 0: speaking\n\nChannel 1: Thank\n\nChannel 0: to\n\nChannel 1: you\n\nChannel 0: you\n\nChannel 1: so much.\n\nChannel 0: in a week, hon. No problem. See you guys later. Enjoy the night.\n\nChannel 1: Bye\n\nChannel 0: Bye.\n\nChannel 1: bye.","paragraphs":[{"sentences":[{"text":"Hey.","start":2.32,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.007050805259495974},{"text":"Am I speaking with Madison?","start":2.6399999,"end":3.86,"sentiment":"neutral","sentiment_score":0.0031210494227707384}],"sentiment":"neutral","sentiment_score":0.003776008728891611,"channel":0,"num_words":6,"start":2.32,"end":3.86},{"sentences":[{"text":"Hello?","start":4.0,"end":4.4,"sentiment":"neutral","sentiment_score":0.0042451051995158195},{"text":"Yes.","start":4.4,"end":4.72,"sentiment":"neutral","sentiment_score":0.020655207335948944},{"text":"It is.","start":4.72,"end":5.38,"sentiment":"neutral","sentiment_score":0.0277534993365407}],"sentiment":"neutral","sentiment_score":0.02010182780213654,"channel":1,"num_words":4,"start":4.0,"end":5.38},{"sentences":[{"text":"Hey.","start":5.7599998,"end":6.08,"sentiment":"neutral","sentiment_score":0.015098361298441889},{"text":"We're not here.","start":6.08,"end":6.48,"sentiment":"neutral","sentiment_score":-0.024168926291167736},{"text":"It's Debbie calling from Motley Financial.","start":6.48,"end":8.58,"sentiment":"neutral","sentiment_score":0.03748576622456312},{"text":"How are you doing?","start":8.72,"end":9.62,"sentiment":"neutral","sentiment_score":0.07948382198810577}],"sentiment":"neutral","sentiment_score":0.03467439055176718,"channel":0,"num_words":14,"start":5.7599998,"end":9.62},{"sentences":[{"text":"Good.","start":9.92,"end":10.24,"sentiment":"positive","sentiment_score":0.3528059124946594},{"text":"Thank you.","start":10.24,"end":10.639999,"sentiment":"positive","sentiment_score":0.4626789391040802},{"text":"How are you?","start":10.639999,"end":11.46,"sentiment":"neutral","sentiment_score":0.25898517668247223}],"sentiment":"positive","sentiment_score":0.3425198867917061,"channel":1,"num_words":6,"start":9.92,"end":11.46},{"sentences":[{"text":"I am very well.","start":11.759999,"end":13.2,"sentiment":"positive","sentiment_score":0.48319804668426514},{"text":"Thank you for asking.","start":13.2,"end":14.434999,"sentiment":"positive","sentiment_score":0.6128157675266266},{"text":"It's my work at home day, so I could not be better, to be honest.","start":14.655,"end":18.275,"sentiment":"neutral","sentiment_score":0.27742448846499124},{"text":"Doing a lot","start":18.974998,"end":19.615,"sentiment":"neutral","sentiment_score":0.22377491990725198}],"sentiment":"positive","sentiment_score":0.3544902824438535,"channel":0,"num_words":26,"start":11.759999,"end":19.615},{"sentences":[{"text":"Even","start":19.535,"end":19.935,"sentiment":"neutral","sentiment_score":0.13618209958076477}],"sentiment":"neutral","sentiment_score":0.13618209958076477,"channel":1,"num_words":1,"start":19.535,"end":19.935},{"sentences":[{"text":"of zero","start":19.615,"end":20.095,"sentiment":"neutral","sentiment_score":0.08334547281265259}],"sentiment":"neutral","sentiment_score":0.08334547281265259,"channel":0,"num_words":2,"start":19.615,"end":20.095},{"sentences":[{"text":"better.","start":19.935,"end":20.435,"sentiment":"neutral","sentiment_score":0.12779390811920166}],"sentiment":"neutral","sentiment_score":0.12779390811920166,"channel":1,"num_words":1,"start":19.935,"end":20.435},{"sentences":[{"text":"yeah.","start":20.814999,"end":21.135,"sentiment":"neutral","sentiment_score":0.13996703922748566},{"text":"So I'm just in the comfort of my own home doing a good initial consultation.","start":21.135,"end":25.555,"sentiment":"neutral","sentiment_score":0.2603010376294454},{"text":"Is Brendan","start":26.494999,"end":27.134998,"sentiment":"neutral","sentiment_score":0.0840868353843689}],"sentiment":"neutral","sentiment_score":0.23403645969099468,"channel":0,"num_words":18,"start":20.814999,"end":27.134998},{"sentences":[{"text":"Yeah.","start":26.7,"end":27.2,"sentiment":"neutral","sentiment_score":0.06849847733974457}],"sentiment":"neutral","sentiment_score":0.06849847733974457,"channel":1,"num_words":1,"start":26.7,"end":27.2},{"sentences":[{"text":"there?","start":27.134998,"end":27.634998,"sentiment":"neutral","sentiment_score":0.07703769207000732},{"text":"Mate, lovely to virtually meet you.","start":29.87,"end":31.310001,"sentiment":"positive","sentiment_score":0.5008695622285207},{"text":"I do apologize.","start":31.310001,"end":32.29,"sentiment":"neutral","sentiment_score":-0.08165010809898376},{"text":"I realized 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trauma.","start":693.625,"end":694.60504,"sentiment":"neutral","sentiment_score":-0.1698294331630071}],"sentiment":"neutral","sentiment_score":-0.1698294331630071,"channel":1,"num_words":3,"start":693.625,"end":694.60504},{"sentences":[{"text":"Correct.","start":695.67,"end":696.17,"sentiment":"neutral","sentiment_score":0.020933521911501884},{"text":"If yeah.","start":696.23,"end":697.02997,"sentiment":"neutral","sentiment_score":0.0414106622338295},{"text":"That's exactly right.","start":697.02997,"end":698.23,"sentiment":"neutral","sentiment_score":0.13976615170637766},{"text":"So for life insurances, it's pretty much split into those four.","start":698.23,"end":701.77,"sentiment":"neutral","sentiment_score":0.030318238857117565},{"text":"So life insurance, total permanent disability insurance, and income protection can","start":701.99,"end":707.075,"sentiment":"neutral","sentiment_score":0.04493986933746121}],"sentiment":"neutral","sentiment_score":0.04824616041566644,"channel":0,"num_words":28,"start":695.67,"end":707.075},{"sentences":[{"text":"Yes.","start":707.01,"end":707.51,"sentiment":"neutral","sentiment_score":0.07665181159973145}],"sentiment":"neutral","sentiment_score":0.07665181159973145,"channel":1,"num_words":1,"start":707.01,"end":707.51},{"sentences":[{"text":"be structured within a superannuation environment.","start":707.075,"end":709.895,"sentiment":"neutral","sentiment_score":0.0766643922155102},{"text":"Even if you got a policy outside of that super fund, you can still get a super fund to pay for 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tax","start":715.715,"end":716.275,"sentiment":"neutral","sentiment_score":0.24519311636686325}],"sentiment":"neutral","sentiment_score":0.24519311636686325,"channel":0,"num_words":2,"start":715.715,"end":716.275},{"sentences":[{"text":"Yes.","start":715.97,"end":716.47,"sentiment":"neutral","sentiment_score":0.3119455873966217}],"sentiment":"neutral","sentiment_score":0.3119455873966217,"channel":1,"num_words":1,"start":715.97,"end":716.47},{"sentences":[{"text":"effective, and it doesn't come out of your back pocket.","start":716.275,"end":718.615,"sentiment":"neutral","sentiment_score":0.2526251845061779},{"text":"But with trauma insurance, you especially with young kids, you can get linked on child trauma, which covers any sort of traumatic events, any sort of sickness.","start":718.755,"end":727.85,"sentiment":"neutral","sentiment_score":0.17974481566084755},{"text":"You can get a lump sum payment, and it's not that much more expensive.","start":727.99,"end":731.13,"sentiment":"neutral","sentiment_score":0.2428970086787428},{"text":"But that whole trauma policy or critical illness, you have to pay for that out of your back pocket because of ownership","start":731.27,"end":737.84503,"sentiment":"neutral","sentiment_score":0.08234548263929108}],"sentiment":"neutral","sentiment_score":0.1724865836639927,"channel":0,"num_words":73,"start":716.275,"end":737.84503},{"sentences":[{"text":"Yes.","start":737.57,"end":738.07,"sentiment":"neutral","sentiment_score":0.10902048647403716}],"sentiment":"neutral","sentiment_score":0.10902048647403716,"channel":1,"num_words":1,"start":737.57,"end":738.07},{"sentences":[{"text":"rules.","start":737.84503,"end":738.34503,"sentiment":"neutral","sentiment_score":0.12387751787900925},{"text":"Okay?","start":738.805,"end":739.125,"sentiment":"neutral","sentiment_score":0.11651978641748428},{"text":"So were you looking at something like that, a full comprehensive policy covering all of your whole family and including trauma, or were you just kinda looking for something that's based inside your superannuation fund?","start":739.125,"end":751.78,"sentiment":"neutral","sentiment_score":0.1547663080905165}],"sentiment":"neutral","sentiment_score":0.15289778614769112,"channel":0,"num_words":37,"start":737.84503,"end":751.78},{"sentences":[{"text":"I think the trauma one would be good outside","start":755.21497,"end":757.875,"sentiment":"neutral","sentiment_score":0.07099951141410404}],"sentiment":"neutral","sentiment_score":0.07099951141410404,"channel":1,"num_words":9,"start":755.21497,"end":757.875},{"sentences":[{"text":"Okay.","start":758.56,"end":759.06,"sentiment":"neutral","sentiment_score":0.12945227324962616}],"sentiment":"neutral","sentiment_score":0.12945227324962616,"channel":0,"num_words":1,"start":758.56,"end":759.06},{"sentences":[{"text":"to to include the 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getting the super paying for at least three of the four of them.","start":898.815,"end":907.47504,"sentiment":"neutral","sentiment_score":0.1914062687549098}],"sentiment":"neutral","sentiment_score":0.20408676291505495,"channel":0,"num_words":30,"start":897.85504,"end":907.47504},{"sentences":[{"text":"Yeah.","start":907.565,"end":908.065,"sentiment":"neutral","sentiment_score":0.0779830813407898}],"sentiment":"neutral","sentiment_score":0.0779830813407898,"channel":1,"num_words":1,"start":907.565,"end":908.065},{"sentences":[{"text":"Or, sorry, should I say at most of the three or four of them.","start":908.255,"end":911.47504,"sentiment":"neutral","sentiment_score":0.056185262011630197},{"text":"And I'm happy to work that up, work out your needs analysis.","start":911.76,"end":914.72003,"sentiment":"positive","sentiment_score":0.406184546649456},{"text":"I'll have to go through a fact find after we go through 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to the email that I sent you just confirming this initial consultation, there should be a couple of attachments there.","start":955.425,"end":964.485,"sentiment":"neutral","sentiment_score":0.15576319597088373}],"sentiment":"neutral","sentiment_score":0.13696406152099372,"channel":0,"num_words":50,"start":947.37006,"end":964.485},{"sentences":[{"text":"Let me have a look.","start":966.51996,"end":967.24,"sentiment":"neutral","sentiment_score":0.09934012815356255},{"text":"I think it sends it both to you, and it's branded with an a.","start":967.24,"end":970.51996,"sentiment":"neutral","sentiment_score":0.11151940189301968},{"text":"I'll show 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go.","start":985.255,"end":985.995,"sentiment":"neutral","sentiment_score":0.053174518048763275}],"sentiment":"neutral","sentiment_score":0.053174518048763275,"channel":1,"num_words":2,"start":985.255,"end":985.995},{"sentences":[{"text":"yeah.","start":986.495,"end":986.815,"sentiment":"neutral","sentiment_score":0.05427022278308869},{"text":"So that's if you wanted to put a page in the name, that's that's a that's a very airbrushed picture of myself.","start":986.815,"end":992.79004,"sentiment":"neutral","sentiment_score":0.04451902684840289},{"text":"I'm a lot more I've got a lot more city miles on me than that.","start":992.79004,"end":995.77,"sentiment":"neutral","sentiment_score":0.03628197051584721},{"text":"But, yeah, the first so the first attachment is the 2026 Oakview services guide version","start":997.59,"end":1004.73004,"sentiment":"neutral","sentiment_score":0.0602762371301651}],"sentiment":"neutral","sentiment_score":0.046831357134681825,"channel":0,"num_words":53,"start":986.495,"end":1004.73004},{"sentences":[{"text":"I","start":1004.73,"end":1005.13,"sentiment":"neutral","sentiment_score":0.04706062376499176}],"sentiment":"neutral","sentiment_score":0.04706062376499176,"channel":1,"num_words":1,"start":1004.73,"end":1005.13},{"sentences":[{"text":"two.","start":1005.11,"end":1005.525,"sentiment":"neutral","sentiment_score":0.04644417390227318}],"sentiment":"neutral","sentiment_score":0.04644417390227318,"channel":0,"num_words":1,"start":1005.11,"end":1005.525},{"sentences":[{"text":"will maybe open the attachment.","start":1005.13,"end":1006.75,"sentiment":"neutral","sentiment_score":0.01913999542593956}],"sentiment":"neutral","sentiment_score":0.01913999542593956,"channel":1,"num_words":5,"start":1005.13,"end":1006.75},{"sentences":[{"text":"I'm sorry?","start":1008.645,"end":1009.385,"sentiment":"neutral","sentiment_score":-0.01140841469168663}],"sentiment":"neutral","sentiment_score":-0.01140841469168663,"channel":0,"num_words":2,"start":1008.645,"end":1009.385},{"sentences":[{"text":"Is this the email that you sent on Wednesday?","start":1009.955,"end":1012.615,"sentiment":"neutral","sentiment_score":-0.010718757079707252}],"sentiment":"neutral","sentiment_score":-0.010718757079707252,"channel":1,"num_words":9,"start":1009.955,"end":1012.615},{"sentences":[{"text":"No.","start":1013.125,"end":1013.525,"sentiment":"neutral","sentiment_score":-0.09268315881490707},{"text":"I sent it today.","start":1013.525,"end":1014.585,"sentiment":"neutral","sentiment_score":-0.06444717012345791}],"sentiment":"neutral","sentiment_score":-0.07009436786174775,"channel":0,"num_words":5,"start":1013.125,"end":1014.585},{"sentences":[{"text":"Oh, 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madison_o8@homel.com.","start":1029.91,"end":1034.09,"sentiment":"neutral","sentiment_score":0.013616538140922785}],"sentiment":"neutral","sentiment_score":0.013616538140922785,"channel":0,"num_words":2,"start":1029.91,"end":1034.09},{"sentences":[{"text":"on.","start":1033.99,"end":1034.47,"sentiment":"neutral","sentiment_score":-0.0021056183613836765},{"text":"Oh, sorry.","start":1034.47,"end":1035.03,"sentiment":"neutral","sentiment_score":-0.06374822929501534},{"text":"It went to my junk.","start":1035.03,"end":1036.17,"sentiment":"neutral","sentiment_score":-0.1230263814330101}],"sentiment":"neutral","sentiment_score":-0.0930917480145581,"channel":1,"num_words":8,"start":1033.99,"end":1036.17},{"sentences":[{"text":"No.","start":1036.465,"end":1036.785,"sentiment":"neutral","sentiment_score":-0.08507644385099411}],"sentiment":"neutral","sentiment_score":-0.08507644385099411,"channel":0,"num_words":1,"start":1036.465,"end":1036.785},{"sentences":[{"text":"Of 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airbrushed.","start":1044.385,"end":1050.645,"sentiment":"neutral","sentiment_score":0.04033109421531359},{"text":"You'll probably see another picture of me there.","start":1051.0099,"end":1052.69,"sentiment":"neutral","sentiment_score":0.03205629624426365},{"text":"But, yeah, if you open up that first","start":1052.69,"end":1055.33,"sentiment":"neutral","sentiment_score":0.10165059007704258}],"sentiment":"neutral","sentiment_score":0.04650066438657434,"channel":0,"num_words":46,"start":1043.585,"end":1055.33},{"sentences":[{"text":"Yep.","start":1055.14,"end":1055.64,"sentiment":"neutral","sentiment_score":0.07045049220323563}],"sentiment":"neutral","sentiment_score":0.07045049220323563,"channel":1,"num_words":1,"start":1055.14,"end":1055.64},{"sentences":[{"text":"attachment, that's the 2026 OP services guide.","start":1055.33,"end":1058.71,"sentiment":"neutral","sentiment_score":0.09288209144558225},{"text":"I'll just give you a little bit of a breakdown on kind of the process, what 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looking at should be the OQ should say OQ Financial, OQ Services Guide, ABN, where where our address is, and a picture of the Gold Coast.","start":1123.485,"end":1133.3251,"sentiment":"neutral","sentiment_score":0.08025280698653191},{"text":"Can you see","start":1133.3251,"end":1133.9651,"sentiment":"neutral","sentiment_score":0.0655836674074332}],"sentiment":"neutral","sentiment_score":0.07727919634254206,"channel":0,"num_words":42,"start":1120.605,"end":1133.9651},{"sentences":[{"text":"Yes.","start":1133.8651,"end":1134.3651,"sentiment":"neutral","sentiment_score":0.1063523069024086}],"sentiment":"neutral","sentiment_score":0.1063523069024086,"channel":1,"num_words":1,"start":1133.8651,"end":1134.3651},{"sentences":[{"text":"that?","start":1133.9651,"end":1134.4651,"sentiment":"neutral","sentiment_score":0.14216503500938416},{"text":"Beautiful.","start":1135.38,"end":1135.88,"sentiment":"positive","sentiment_score":0.5654796361923218},{"text":"So a little bit of background on the 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at some point, feel free to go through it or knock you out pretty quick.","start":1490.085,"end":1496.5,"sentiment":"neutral","sentiment_score":0.05550348623232408},{"text":"But that gives you a little bit of a breakdown of of journey and where we came from, you know, humble beginnings, if you would.","start":1496.5,"end":1502.36,"sentiment":"neutral","sentiment_score":0.3284482443332672},{"text":"But the next page is really what I wanted to kinda focus on, And that's the OP Wealth Cycle.","start":1503.7,"end":1509.295,"sentiment":"neutral","sentiment_score":0.3121047412094317}],"sentiment":"neutral","sentiment_score":0.20990610487448672,"channel":0,"num_words":96,"start":1482.485,"end":1509.295},{"sentences":[{"text":"So let me know if you're looking at that page.","start":1509.5951,"end":1511.615,"sentiment":"neutral","sentiment_score":0.14533566534519196}],"sentiment":"neutral","sentiment_score":0.14533566534519196,"channel":0,"num_words":10,"start":1509.5951,"end":1511.615},{"sentences":[{"text":"Yep.","start":1511.77,"end":1512.01,"sentiment":"neutral","sentiment_score":0.11742447316646576},{"text":"I'm looking.","start":1512.01,"end":1512.73,"sentiment":"neutral","sentiment_score":0.1064506396651268},{"text":"Yep.","start":1512.73,"end":1513.23,"sentiment":"neutral","sentiment_score":0.3007456660270691}],"sentiment":"neutral","sentiment_score":0.1577678546309471,"channel":1,"num_words":4,"start":1511.77,"end":1513.23},{"sentences":[{"text":"Beautiful.","start":1513.5951,"end":1514.0951,"sentiment":"positive","sentiment_score":0.5918078422546387},{"text":"So this is this is kind of a it's not really a process for us.","start":1514.235,"end":1519.275,"sentiment":"neutral","sentiment_score":0.13952531442046165},{"text":"It's just an overall algorithm in a way.","start":1519.275,"end":1522.47,"sentiment":"neutral","sentiment_score":0.10049926210194826},{"text":"So we it's like I said before, we I've been fortunate enough to work overseas and as a stock broker, I've been working all around the world and then coming back to boutique firms in Australia and starting this firm ourselves.","start":1522.71,"end":1537.0499,"sentiment":"neutral","sentiment_score":0.19461411564815334},{"text":"I've seen this process done in many different ways in, you know, CBA, Commonwealth Bank Australia, does it in a ladder where the each step in the ladder is kinda like the next stage, if you would.","start":1538.165,"end":1550.4,"sentiment":"neutral","sentiment_score":0.10388909129274858}],"sentiment":"neutral","sentiment_score":0.15011526249787388,"channel":0,"num_words":102,"start":1513.5951,"end":1550.4},{"sentences":[{"text":"There's overseas that or mutual.","start":1551.68,"end":1554.24,"sentiment":"neutral","sentiment_score":0.027076414600014687},{"text":"There was they did this process in a diamond, a a base mortgage diamond to different bases.","start":1554.24,"end":1561.62,"sentiment":"neutral","sentiment_score":0.033995630329146105},{"text":"But essentially, they're all the same thing.","start":1562.4,"end":1564.74,"sentiment":"neutral","sentiment_score":0.000996611214109829},{"text":"And we are finance nerds, so some of us names are pretty corny and nerdy, so I do apologize.","start":1565.4651,"end":1572.285,"sentiment":"neutral","sentiment_score":-0.2544511074298306},{"text":"Bear with me.","start":1572.425,"end":1573.3251,"sentiment":"neutral","sentiment_score":-0.20978049437204996}],"sentiment":"neutral","sentiment_score":-0.09301232268997267,"channel":0,"num_words":51,"start":1551.68,"end":1573.3251},{"sentences":[{"text":"So most of the time, clients speak to us as a seedling, kinda like in the ground.","start":1573.4651,"end":1577.9651,"sentiment":"neutral","sentiment_score":-0.06731649269075955},{"text":"You know, they don't know which, not too sure which way is up, where the sun is.","start":1578.105,"end":1582.27,"sentiment":"neutral","sentiment_score":-0.1218406023348079},{"text":"You know, you're in a dark kind of space.","start":1582.27,"end":1584.51,"sentiment":"neutral","sentiment_score":-0.2663036949104733},{"text":"You don't know where to go.","start":1584.51,"end":1585.71,"sentiment":"neutral","sentiment_score":-0.25816844900449115},{"text":"So no","start":1585.71,"end":1586.03,"sentiment":"neutral","sentiment_score":-0.1005084589123726}],"sentiment":"neutral","sentiment_score":-0.14436140159765878,"channel":0,"num_words":51,"start":1573.4651,"end":1586.03},{"sentences":[{"text":"Yes.","start":1586.015,"end":1586.515,"sentiment":"neutral","sentiment_score":-0.021293092519044876}],"sentiment":"neutral","sentiment_score":-0.021293092519044876,"channel":1,"num_words":1,"start":1586.015,"end":1586.515},{"sentences":[{"text":"real growth plan, no strategy, no direction.","start":1586.03,"end":1588.45,"sentiment":"neutral","sentiment_score":-0.11057145893573761},{"text":"So what we do is we like to set up essentially foundations, which is what I like to call the roots, Oak view, oak tree.","start":1588.83,"end":1595.655,"sentiment":"neutral","sentiment_score":0.18254651606082917},{"text":"Again, very corny, but it works.","start":1596.035,"end":1597.895,"sentiment":"neutral","sentiment_score":0.0009184982627630228},{"text":"So, yeah, we set up we look at the roots, and that's your superannuation, which is essentially growing wealth for retirement.","start":1598.755,"end":1604.935,"sentiment":"neutral","sentiment_score":0.3028021227745783}],"sentiment":"neutral","sentiment_score":0.1721020043527676,"channel":0,"num_words":59,"start":1586.03,"end":1604.935},{"sentences":[{"text":"Yes.","start":1605.86,"end":1606.36,"sentiment":"neutral","sentiment_score":0.3158109784126282}],"sentiment":"neutral","sentiment_score":0.3158109784126282,"channel":1,"num_words":1,"start":1605.86,"end":1606.36},{"sentences":[{"text":"And then making sure that we review your insurances, make sure that you're covered for enough and you're not paying too much, those kind of things.","start":1605.89,"end":1612.63,"sentiment":"neutral","sentiment_score":0.3033868234891158},{"text":"So that if anything were to go wrong, then you you at least you're covered for the rest of your time and so you can access your 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those two go hand in hand.","start":1621.405,"end":1623.985,"sentiment":"neutral","sentiment_score":0.28956216980110516},{"text":"Outside of that, part of the roots, you know, it's kind of in the background, and you don't really you don't really you don't you know it's there, but you and it's a really important part of the whole process, but you don't really see it because you don't really touch it or access it until you need it.","start":1624.8451,"end":1640.0,"sentiment":"neutral","sentiment_score":0.09978287354490514},{"text":"Right?","start":1640.0,"end":1640.24,"sentiment":"neutral","sentiment_score":0.049947068095207214},{"text":"Or until you can access it.","start":1640.24,"end":1642.0,"sentiment":"neutral","sentiment_score":0.023374931886792183},{"text":"So that comes hand in hand with the accounting and taxation, then you're doing your taxes every year.","start":1642.0,"end":1647.14,"sentiment":"neutral","sentiment_score":0.1312823523249891}],"sentiment":"neutral","sentiment_score":0.12237528850765604,"channel":0,"num_words":95,"start":1621.405,"end":1647.14},{"sentences":[{"text":"All being self employed and doing baths and all those weird and wonderful things.","start":1648.08,"end":1652.6749,"sentiment":"neutral","sentiment_score":0.20603748943124497},{"text":"But looking at your situation, you know, when you're looking at your insurances, we we also kind of like to do a review of your superannuation as well.","start":1652.975,"end":1662.195,"sentiment":"neutral","sentiment_score":0.09458454991025585},{"text":"And the","start":1662.575,"end":1662.895,"sentiment":"neutral","sentiment_score":0.03127509169280529}],"sentiment":"neutral","sentiment_score":0.12716914620250463,"channel":0,"num_words":44,"start":1648.08,"end":1662.895},{"sentences":[{"text":"Yep.","start":1662.89,"end":1663.39,"sentiment":"neutral","sentiment_score":0.004039583262056112}],"sentiment":"neutral","sentiment_score":0.004039583262056112,"channel":1,"num_words":1,"start":1662.89,"end":1663.39},{"sentences":[{"text":"reason for that is because if we if we get you adequate comprehensive cover outside of, let's say, for example, your q 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well.","start":1702.4901,"end":1713.995,"sentiment":"neutral","sentiment_score":0.037839776437197416},{"text":"Okay?","start":1714.615,"end":1715.115,"sentiment":"neutral","sentiment_score":0.020507654175162315}],"sentiment":"neutral","sentiment_score":0.12306008184979479,"channel":0,"num_words":83,"start":1687.9349,"end":1715.115},{"sentences":[{"text":"Yep.","start":1714.79,"end":1715.29,"sentiment":"neutral","sentiment_score":-0.04507286474108696}],"sentiment":"neutral","sentiment_score":-0.04507286474108696,"channel":1,"num_words":1,"start":1714.79,"end":1715.29},{"sentences":[{"text":"Some trustees don't like it.","start":1715.575,"end":1717.015,"sentiment":"negative","sentiment_score":-0.4742360353469849},{"text":"Some trustees just say, no.","start":1717.015,"end":1718.375,"sentiment":"neutral","sentiment_score":-0.31807947158813477},{"text":"Well, I get paid money on the insurances with q insure.","start":1718.375,"end":1722.155,"sentiment":"neutral","sentiment_score":-0.1347823441028595},{"text":"It's the insurance company that that in that right to those insurance policies for you with QSuper.","start":1722.35,"end":1728.13,"sentiment":"neutral","sentiment_score":-0.11737011394956533}],"sentiment":"neutral","sentiment_score":-0.1957756646565701,"channel":0,"num_words":38,"start":1715.575,"end":1728.13},{"sentences":[{"text":"Yes.","start":1729.0249,"end":1729.5249,"sentiment":"neutral","sentiment_score":-0.15189795196056366}],"sentiment":"neutral","sentiment_score":-0.15189795196056366,"channel":1,"num_words":1,"start":1729.0249,"end":1729.5249},{"sentences":[{"text":"So why would they cancel get pay for insurance in somewhere else where they get less fees and they get less premiums.","start":1729.0701,"end":1736.805,"sentiment":"neutral","sentiment_score":-0.3033092932944948}],"sentiment":"neutral","sentiment_score":-0.3033092932944948,"channel":0,"num_words":22,"start":1729.0701,"end":1736.805},{"sentences":[{"text":"Yes.","start":1737.9049,"end":1738.29,"sentiment":"neutral","sentiment_score":0.07505756616592407}],"sentiment":"neutral","sentiment_score":0.07505756616592407,"channel":1,"num_words":1,"start":1737.9049,"end":1738.29},{"sentences":[{"text":"You know what I mean?","start":1738.785,"end":1739.665,"sentiment":"neutral","sentiment_score":0.020027198642492295},{"text":"So that's something to be considerate of and think about as well.","start":1739.665,"end":1743.025,"sentiment":"neutral","sentiment_score":0.08483741153031588},{"text":"But we'll give you a recommendation on that no matter what.","start":1743.025,"end":1745.925,"sentiment":"neutral","sentiment_score":0.23169909417629242},{"text":"And 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Brendan?","start":2606.925,"end":2607.4849,"sentiment":"neutral","sentiment_score":-0.019090114627033472}],"sentiment":"neutral","sentiment_score":-0.019090114627033472,"channel":0,"num_words":2,"start":2606.925,"end":2607.4849},{"sentences":[{"text":"Yeah.","start":2607.29,"end":2607.61,"sentiment":"neutral","sentiment_score":-0.01589035987854004}],"sentiment":"neutral","sentiment_score":-0.01589035987854004,"channel":1,"num_words":1,"start":2607.29,"end":2607.61},{"sentences":[{"text":"Brendan.","start":2607.4849,"end":2607.9648,"sentiment":"neutral","sentiment_score":-0.017141809687018394}],"sentiment":"neutral","sentiment_score":-0.017141809687018394,"channel":0,"num_words":1,"start":2607.4849,"end":2607.9648},{"sentences":[{"text":"Brandon.","start":2607.61,"end":2608.11,"sentiment":"neutral","sentiment_score":-0.018936436623334885}],"sentiment":"neutral","sentiment_score":-0.018936436623334885,"channel":1,"num_words":1,"start":2607.61,"end":2608.11},{"sentences":[{"text":"Right?","start":2607.9648,"end":2608.4648,"sentiment":"neutral","sentiment_score":-0.008749527856707573}],"sentiment":"neutral","sentiment_score":-0.008749527856707573,"channel":0,"num_words":1,"start":2607.9648,"end":2608.4648},{"sentences":[{"text":"Yeah.","start":2608.1702,"end":2608.6702,"sentiment":"neutral","sentiment_score":-0.014596978202462196}],"sentiment":"neutral","sentiment_score":-0.014596978202462196,"channel":1,"num_words":1,"start":2608.1702,"end":2608.6702},{"sentences":[{"text":"Brendan.","start":2608.605,"end":2609.105,"sentiment":"neutral","sentiment_score":-0.02558359131217003}],"sentiment":"neutral","sentiment_score":-0.02558359131217003,"channel":0,"num_words":1,"start":2608.605,"end":2609.105},{"sentences":[{"text":"Yeah.","start":2608.7302,"end":2609.2302,"sentiment":"neutral","sentiment_score":-0.05247575789690018}],"sentiment":"neutral","sentiment_score":-0.05247575789690018,"channel":1,"num_words":1,"start":2608.7302,"end":2609.2302},{"sentences":[{"text":"So that'll work a lot harder for yourself and Brendan.","start":2609.325,"end":2612.065,"sentiment":"neutral","sentiment_score":-0.21005475297570228},{"text":"Sitting in offset and offsetting that interest charge of, you know, 6.39% than sitting in a cash bank account that is getting the cash rate less fees, less inflation, which is about the cash rate at the moment anyway.","start":2612.67,"end":2626.5898,"sentiment":"neutral","sentiment_score":-0.15738810140352982},{"text":"So you're going you're losing you're you're losing value on every dollar you hold in cash.","start":2626.5898,"end":2631.445,"sentiment":"neutral","sentiment_score":-0.32965909224003553}],"sentiment":"neutral","sentiment_score":-0.20789583015900392,"channel":0,"num_words":65,"start":2609.325,"end":2631.445},{"sentences":[{"text":"Yeah.","start":2632.2798,"end":2632.7598,"sentiment":"neutral","sentiment_score":0.01874016970396042},{"text":"Correct.","start":2632.7598,"end":2633.2598,"sentiment":"neutral","sentiment_score":0.07940018177032471},{"text":"That's why I did wanna set that up.","start":2633.88,"end":2635.755,"sentiment":"neutral","sentiment_score":0.18450763635337353},{"text":"And we also save about 250 a fortnight for holidays, so that would be in another offset if we could.","start":2635.755,"end":2644.1748,"sentiment":"neutral","sentiment_score":0.1637076623737812}],"sentiment":"neutral","sentiment_score":0.16161182299256324,"channel":1,"num_words":30,"start":2632.2798,"end":2644.1748},{"sentences":[{"text":"Yep.","start":2644.88,"end":2645.04,"sentiment":"neutral","sentiment_score":0.10771076381206512},{"text":"Yep.","start":2645.04,"end":2645.36,"sentiment":"neutral","sentiment_score":0.11223988234996796},{"text":"And there's lots of different products out there that your mortgage broker will be able to discuss with you regarding different linking accounts.","start":2645.36,"end":2652.0,"sentiment":"neutral","sentiment_score":0.12142857973990233},{"text":"If that's a product that you're interested in 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social security strategy, self managed super funds or something as well.","start":2857.3052,"end":2862.8452,"sentiment":"neutral","sentiment_score":0.2632973293463389},{"text":"Key to us, and then you can call it a day and retire and file.","start":2863.0598,"end":2865.96,"sentiment":"positive","sentiment_score":0.36845264037450154},{"text":"And look at intergenerational wealth, which is what we call ceding.","start":2866.8198,"end":2870.0999,"sentiment":"neutral","sentiment_score":0.25343508341095666},{"text":"And then the loop starts again for your 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thing?","start":2874.42,"end":2878.815,"sentiment":"neutral","sentiment_score":0.15469882357865572}],"sentiment":"neutral","sentiment_score":0.15469882357865572,"channel":0,"num_words":16,"start":2874.42,"end":2878.815},{"sentences":[{"text":"Yeah.","start":2879.19,"end":2879.5898,"sentiment":"neutral","sentiment_score":0.15004166960716248},{"text":"Definitely.","start":2879.5898,"end":2880.0898,"sentiment":"neutral","sentiment_score":0.27356213331222534},{"text":"Yeah.","start":2880.15,"end":2880.65,"sentiment":"positive","sentiment_score":0.36963438987731934}],"sentiment":"neutral","sentiment_score":0.2644127309322357,"channel":1,"num_words":3,"start":2879.19,"end":2880.65},{"sentences":[{"text":"Perfect.","start":2881.295,"end":2881.795,"sentiment":"positive","sentiment_score":0.7379995584487915},{"text":"Amazing.","start":2882.015,"end":2882.515,"sentiment":"positive","sentiment_score":0.6618226170539856},{"text":"But we'd all start with looking at those insurances.","start":2882.7349,"end":2885.635,"sentiment":"neutral","sentiment_score":0.23874805536535051},{"text":"And then, you know, after we do that, if it's appropriate, we'd look at those superannuation, give you a recommendation on that as well if you wanted to.","start":2885.855,"end":2892.835,"sentiment":"neutral","sentiment_score":0.20303262237991607}],"sentiment":"neutral","sentiment_score":0.23675559231868157,"channel":0,"num_words":39,"start":2881.295,"end":2892.835},{"sentences":[{"text":"Yep.","start":2893.325,"end":2893.565,"sentiment":"neutral","sentiment_score":0.12685438990592957},{"text":"Yep.","start":2893.565,"end":2894.065,"sentiment":"neutral","sentiment_score":0.20337478816509247}],"sentiment":"neutral","sentiment_score":0.16511458903551102,"channel":1,"num_words":2,"start":2893.325,"end":2894.065},{"sentences":[{"text":"Amazing.","start":2895.37,"end":2895.87,"sentiment":"positive","sentiment_score":0.5003578066825867},{"text":"Next couple pages is pretty much our story between myself and my business partner on number four of page five, I think, but page four.","start":2896.01,"end":2904.83,"sentiment":"neutral","sentiment_score":0.1286169946193695},{"text":"Meet our experienced team, that's myself, Severiano Zaza, and Sebi's other, but, you know, Sebi's a lot easier.","start":2906.01,"end":2912.605,"sentiment":"neutral","sentiment_score":0.19861218871341813},{"text":"I didn't have a choice in the matter.","start":2912.605,"end":2914.145,"sentiment":"neutral","sentiment_score":-0.03346891731780488},{"text":"It just came up.","start":2914.205,"end":2915.265,"sentiment":"neutral","sentiment_score":0.019853915087878704}],"sentiment":"neutral","sentiment_score":0.1268297569788826,"channel":0,"num_words":56,"start":2895.37,"end":2915.265},{"sentences":[{"text":"Yes.","start":2914.815,"end":2915.315,"sentiment":"positive","sentiment_score":0.3829431831836701}],"sentiment":"positive","sentiment_score":0.3829431831836701,"channel":1,"num_words":1,"start":2914.815,"end":2915.315},{"sentences":[{"text":"What they gave me, my credentials, and a little bit of a blurb about how awesome they are.","start":2915.885,"end":2919.805,"sentiment":"positive","sentiment_score":0.5043821707367897},{"text":"Feel free to leave me your own time.","start":2919.805,"end":2921.5051,"sentiment":"positive","sentiment_score":0.36412714421749115},{"text":"My business partner, and the rest of our experienced team.","start":2922.32,"end":2925.06,"sentiment":"neutral","sentiment_score":0.27598722130060194},{"text":"And at the end of the document, there's a little bit more about Occhio Australia, which is just a link between, you know, financial planning, mortgage broker, you know, lending services, and accounting.","start":2925.6,"end":2937.595,"sentiment":"neutral","sentiment_score":0.15925689002103877},{"text":"So there's nothing worse than recommending client server to somebody else that, you know, doesn't they drop the ball or don't service you as a client in their own, you know, in their own expertise?","start":2937.7349,"end":2949.51,"sentiment":"negative","sentiment_score":-0.39393345160143717}],"sentiment":"neutral","sentiment_score":0.05980360581396291,"channel":0,"num_words":104,"start":2915.885,"end":2949.51},{"sentences":[{"text":"It just looks bad on me.","start":2949.65,"end":2951.19,"sentiment":"negative","sentiment_score":-0.5404945661624273},{"text":"Right?","start":2951.8098,"end":2952.21,"sentiment":"neutral","sentiment_score":-0.11251632869243622}],"sentiment":"negative","sentiment_score":-0.47935481795242857,"channel":0,"num_words":7,"start":2949.65,"end":2952.21},{"sentences":[{"text":"Yes.","start":2952.145,"end":2952.645,"sentiment":"neutral","sentiment_score":0.07752320170402527}],"sentiment":"neutral","sentiment_score":0.07752320170402527,"channel":1,"num_words":1,"start":2952.145,"end":2952.645},{"sentences":[{"text":"So so that's why we create I work with a close knit network.","start":2952.21,"end":2955.91,"sentiment":"neutral","sentiment_score":0.20134928249395811},{"text":"So if we speak to your mortgage broker, I would I would want them to be a part of this nice little network They remain.","start":2955.97,"end":2962.775,"sentiment":"neutral","sentiment_score":0.18849442958831786},{"text":"But that's a little bit more about us.","start":2962.9949,"end":2964.835,"sentiment":"neutral","sentiment_score":-0.0035571977496147156},{"text":"And looking at the file, the last thing I need to go through is the financial services guide, and they will just gather some further information about you, and then we're done.","start":2964.835,"end":2973.095,"sentiment":"neutral","sentiment_score":0.04025837394874543},{"text":"K?","start":2973.155,"end":2973.655,"sentiment":"neutral","sentiment_score":0.03182879090309143}],"sentiment":"neutral","sentiment_score":0.10913342515690418,"channel":0,"num_words":79,"start":2952.21,"end":2973.655},{"sentences":[{"text":"Yes.","start":2973.58,"end":2974.08,"sentiment":"neutral","sentiment_score":0.04816419631242752},{"text":"Last name?","start":2974.14,"end":2974.96,"sentiment":"neutral","sentiment_score":0.06005464121699333}],"sentiment":"neutral","sentiment_score":0.05609115958213806,"channel":1,"num_words":3,"start":2973.58,"end":2974.96},{"sentences":[{"text":"Amazing.","start":2975.52,"end":2976.0,"sentiment":"positive","sentiment_score":0.453205943107605},{"text":"So the second document in that email that I sent out is the Oakview financial services guide.","start":2976.0,"end":2983.06,"sentiment":"neutral","sentiment_score":0.181681888506693},{"text":"Now this is a little bit more about fees and everything else.","start":2983.52,"end":2986.1802,"sentiment":"neutral","sentiment_score":0.02663480956107378}],"sentiment":"neutral","sentiment_score":0.1287138587484757,"channel":0,"num_words":30,"start":2975.52,"end":2986.1802},{"sentences":[{"text":"Yes.","start":2986.645,"end":2987.145,"sentiment":"neutral","sentiment_score":0.09572694450616837}],"sentiment":"neutral","sentiment_score":0.09572694450616837,"channel":1,"num_words":1,"start":2986.645,"end":2987.145},{"sentences":[{"text":"And this is mostly the compliance, so I'll try and get through it as quick as possible.","start":2987.865,"end":2992.605,"sentiment":"neutral","sentiment_score":0.13624547115143607},{"text":"But, essentially, this is us, IP Financial, all the same details as before.","start":2992.985,"end":2997.645,"sentiment":"neutral","sentiment_score":0.1089798527268263},{"text":"The purpose of this FSG on the next page, are you looking at we'll go through each step.","start":2998.745,"end":3003.9,"sentiment":"neutral","sentiment_score":0.0803737309243944},{"text":"So number one, number two, number three.","start":3003.9,"end":3005.8398,"sentiment":"neutral","sentiment_score":0.03357912466994354}],"sentiment":"neutral","sentiment_score":0.09844894771548834,"channel":0,"num_words":55,"start":2987.865,"end":3005.8398},{"sentences":[{"text":"Yes.","start":3006.225,"end":3006.725,"sentiment":"neutral","sentiment_score":0.03183494508266449}],"sentiment":"neutral","sentiment_score":0.03183494508266449,"channel":1,"num_words":1,"start":3006.225,"end":3006.725},{"sentences":[{"text":"Are you look are you on that page yet?","start":3006.54,"end":3008.6199,"sentiment":"neutral","sentiment_score":0.016674014636211924},{"text":"Or","start":3008.6199,"end":3009.1199,"sentiment":"neutral","sentiment_score":0.052205201238393784}],"sentiment":"neutral","sentiment_score":0.02022713329643011,"channel":0,"num_words":10,"start":3006.54,"end":3009.1199},{"sentences":[{"text":"Yes.","start":3009.0251,"end":3009.5251,"sentiment":"neutral","sentiment_score":0.23266348242759705}],"sentiment":"neutral","sentiment_score":0.23266348242759705,"channel":1,"num_words":1,"start":3009.0251,"end":3009.5251},{"sentences":[{"text":"amazing.","start":3010.3,"end":3010.78,"sentiment":"neutral","sentiment_score":0.32448264956474304},{"text":"So the purpose of this FSG is just to make sure that you know that I'm authorized or we are authorized to give personalized financial advice.","start":3010.78,"end":3017.44,"sentiment":"neutral","sentiment_score":0.10947198048233986},{"text":"How we're paid, any sort of conflicts, and what 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have not looked into it.","start":3052.98,"end":3054.58,"sentiment":"neutral","sentiment_score":-0.1637394018471241},{"text":"No.","start":3054.58,"end":3055.08,"sentiment":"neutral","sentiment_score":-0.1358797699213028}],"sentiment":"neutral","sentiment_score":-0.14905958902090788,"channel":1,"num_words":8,"start":3052.5,"end":3055.08},{"sentences":[{"text":"okay.","start":3055.635,"end":3056.135,"sentiment":"neutral","sentiment_score":-0.05550432205200195},{"text":"So Sky Financial, they are based on the Gold Coast Financial Advisors.","start":3056.355,"end":3062.1902,"sentiment":"neutral","sentiment_score":0.006621585615600149},{"text":"We just do a quick Google search.","start":3062.49,"end":3064.35,"sentiment":"neutral","sentiment_score":0.025581663474440575},{"text":"So Sky Financial Advisors 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super?","start":3156.3699,"end":3171.135,"sentiment":"neutral","sentiment_score":0.18392670206552328},{"text":"That's all on our approved product list.","start":3171.355,"end":3173.2751,"sentiment":"neutral","sentiment_score":0.2559916377067566},{"text":"But our APL, we can have been directed and, you know, been qualified and the degrees that I've got and all the bits and pieces that asset likes to see.","start":3173.2751,"end":3183.68,"sentiment":"neutral","sentiment_score":0.32990502268075944},{"text":"You know, we can we can essentially recommend any products on the planet and any sort of strategy.","start":3184.94,"end":3189.44,"sentiment":"positive","sentiment_score":0.5650900469885932},{"text":"I've got some qualifications too.","start":3189.9,"end":3191.475,"sentiment":"positive","sentiment_score":0.4350942552089691}],"sentiment":"neutral","sentiment_score":0.31014594616531166,"channel":0,"num_words":103,"start":3156.3699,"end":3191.475},{"sentences":[{"text":"So to give you a 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the each stage is a little bit more","start":3270.155,"end":3273.195,"sentiment":"neutral","sentiment_score":0.0227027324338754}],"sentiment":"neutral","sentiment_score":0.06820896392067273,"channel":0,"num_words":30,"start":3262.44,"end":3273.195},{"sentences":[{"text":"Okay.","start":3273.04,"end":3273.54,"sentiment":"neutral","sentiment_score":0.001602865755558014}],"sentiment":"neutral","sentiment_score":0.001602865755558014,"channel":1,"num_words":1,"start":3273.04,"end":3273.54},{"sentences":[{"text":"complex than the neck.","start":3273.195,"end":3274.7349,"sentiment":"neutral","sentiment_score":-0.046132699586451054},{"text":"So we do charge a essentially, a letter of engagement charge, which is quite like the $450, you know, $450 Sky Wealth, I think it was SkyVis, whatever the workers you're talking about before.","start":3275.035,"end":3288.2202,"sentiment":"neutral","sentiment_score":0.06931996498914327}],"sentiment":"neutral","sentiment_score":0.05716705292855438,"channel":0,"num_words":38,"start":3273.195,"end":3288.2202},{"sentences":[{"text":"Yep.","start":3288.625,"end":3289.125,"sentiment":"neutral","sentiment_score":0.13031607866287231}],"sentiment":"neutral","sentiment_score":0.13031607866287231,"channel":1,"num_words":1,"start":3288.625,"end":3289.125},{"sentences":[{"text":"They charge a it's it's to cover our expenses.","start":3289.8,"end":3292.3801,"sentiment":"neutral","sentiment_score":0.1052929303712315},{"text":"You know, my time and the lights, all the staff, the team, absolutely everything, as well as the preparation of the the documents.","start":3292.4402,"end":3299.045,"sentiment":"neutral","sentiment_score":0.1952690961568252},{"text":"It's a pretty you know, like, carpenters build a desk or build the frame of the house.","start":3299.045,"end":3304.005,"sentiment":"neutral","sentiment_score":0.13112162513767972},{"text":"This document's personalized to you.","start":3304.005,"end":3305.925,"sentiment":"neutral","sentiment_score":0.22134765163064002},{"text":"It's a it doesn't seem it doesn't look as big as a house, but when you're looking at 70 pages or up to 200 pages worth of work and, you know, weeks and sometimes even up to a month worth of planning and preparation, it it take care of the expense of it gets up there.","start":3305.925,"end":3322.1802,"sentiment":"neutral","sentiment_score":0.0022837764783097164}],"sentiment":"neutral","sentiment_score":0.08093202684751966,"channel":0,"num_words":110,"start":3289.8,"end":3322.1802},{"sentences":[{"text":"So that's why for more complex strategies, we charge at the differently at different stages.","start":3323.205,"end":3328.5852,"sentiment":"neutral","sentiment_score":0.00987290112922589},{"text":"Because","start":3329.125,"end":3329.625,"sentiment":"neutral","sentiment_score":0.05207880213856697}],"sentiment":"neutral","sentiment_score":0.012510769942309707,"channel":0,"num_words":16,"start":3323.205,"end":3329.625},{"sentences":[{"text":"Yes.","start":3329.22,"end":3329.72,"sentiment":"neutral","sentiment_score":0.15365147590637207}],"sentiment":"neutral","sentiment_score":0.15365147590637207,"channel":1,"num_words":1,"start":3329.22,"end":3329.72},{"sentences":[{"text":"you are because you're in the root stage and, you know, bringing you on board as a client and making sure that we can show you our worth, we start with those the root section.","start":3329.685,"end":3340.25,"sentiment":"neutral","sentiment_score":0.3134184466941016},{"text":"And for that, it's complimentary for us to write this statement of advice, whether it'd be insurances, just superannuation, 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yeah.","start":3362.5051,"end":3363.0652,"sentiment":"positive","sentiment_score":0.3665655106306076},{"text":"But even if we do all three of those strategies and give you give you a recommendation on that, it's completely complimentary.","start":3363.0652,"end":3369.26,"sentiment":"positive","sentiment_score":0.532510521737012},{"text":"And then, yeah, we're pretty confident in our services.","start":3369.7202,"end":3372.6802,"sentiment":"positive","sentiment_score":0.6204251382086012},{"text":"So that's why we do that part for for a complimentary service.","start":3372.6802,"end":3376.6,"sentiment":"positive","sentiment_score":0.5211390182375908}],"sentiment":"positive","sentiment_score":0.5239343812068303,"channel":0,"num_words":60,"start":3356.345,"end":3376.6},{"sentences":[{"text":"And then from there, we would charge once you're happy to proceed, we charge $4,950 out of the asset that we manage, which is like superannuation or investment 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look at superannuation or investments or anything like that funds that we manage as an investment, then there's those ongoing features that would kick in.","start":3611.245,"end":3624.88,"sentiment":"neutral","sentiment_score":0.1198267721467548},{"text":"But, again, because we're only looking at insurances, you don't pay us anything.","start":3624.88,"end":3629.06,"sentiment":"neutral","sentiment_score":-0.08076139854697081},{"text":"Does that make sense?","start":3631.545,"end":3632.6848,"sentiment":"neutral","sentiment_score":-0.035040946677327156}],"sentiment":"neutral","sentiment_score":0.05893777036723101,"channel":0,"num_words":53,"start":3611.245,"end":3632.6848},{"sentences":[{"text":"Yes.","start":3633.67,"end":3634.17,"sentiment":"neutral","sentiment_score":-0.0504278838634491}],"sentiment":"neutral","sentiment_score":-0.0504278838634491,"channel":1,"num_words":1,"start":3633.67,"end":3634.17},{"sentences":[{"text":"Are you sure you sound hesitant?","start":3635.305,"end":3636.925,"sentiment":"neutral","sentiment_score":-0.17734993249177933}],"sentiment":"neutral","sentiment_score":-0.17734993249177933,"channel":0,"num_words":6,"start":3635.305,"end":3636.925},{"sentences":[{"text":"What's the implementation fee again?","start":3638.375,"end":3641.0151,"sentiment":"neutral","sentiment_score":-0.2202187269926071},{"text":"Sorry.","start":3641.0151,"end":3641.5151,"sentiment":"neutral","sentiment_score":-0.1805454045534134}],"sentiment":"neutral","sentiment_score":-0.21360650658607483,"channel":1,"num_words":6,"start":3638.375,"end":3641.5151},{"sentences":[{"text":"So the implementation fee is if we were to implement the changeover or the management of your funds under management.","start":3641.785,"end":3650.5999,"sentiment":"neutral","sentiment_score":-0.15229326412081717},{"text":"So, like, your money in superannuation, for example.","start":3650.5999,"end":3653.98,"sentiment":"neutral","sentiment_score":-0.0968071473762393}],"sentiment":"neutral","sentiment_score":-0.13644008790808065,"channel":0,"num_words":28,"start":3641.785,"end":3653.98},{"sentences":[{"text":"Yes.","start":3653.6702,"end":3654.1702,"sentiment":"neutral","sentiment_score":-0.024987660348415375}],"sentiment":"neutral","sentiment_score":-0.024987660348415375,"channel":1,"num_words":1,"start":3653.6702,"end":3654.1702},{"sentences":[{"text":"If we were to move that money around and change the investments, whether it be in q super or any other super fund out there, that takes a lot of work, and then we start managing those assets on top of the insurances.","start":3654.28,"end":3666.575,"sentiment":"neutral","sentiment_score":-0.08037086983406266},{"text":"So that's when that fee would kick in because, yeah, there's a lot to it.","start":3667.035,"end":3670.7148,"sentiment":"neutral","sentiment_score":-0.015477192650238673},{"text":"There's a lot to invest in.","start":3670.7148,"end":3672.4148,"sentiment":"neutral","sentiment_score":-0.02349326324959596}],"sentiment":"neutral","sentiment_score":-0.05982913862681016,"channel":0,"num_words":64,"start":3654.28,"end":3672.4148},{"sentences":[{"text":"Yep.","start":3672.745,"end":3672.985,"sentiment":"neutral","sentiment_score":0.07664928585290909},{"text":"Yep.","start":3672.985,"end":3673.485,"sentiment":"neutral","sentiment_score":0.07237948477268219}],"sentiment":"neutral","sentiment_score":0.07451438531279564,"channel":1,"num_words":2,"start":3672.745,"end":3673.485},{"sentences":[{"text":"Okay?","start":3674.03,"end":3674.43,"sentiment":"neutral","sentiment_score":0.05451732873916626},{"text":"So because we're not looking at that for the meantime, which you indicated, we only","start":3674.43,"end":3678.51,"sentiment":"neutral","sentiment_score":0.03830586671829224}],"sentiment":"neutral","sentiment_score":0.03931908309459686,"channel":0,"num_words":16,"start":3674.03,"end":3678.51},{"sentences":[{"text":"Yep.","start":3678.5051,"end":3678.78,"sentiment":"neutral","sentiment_score":0.07535427808761597}],"sentiment":"neutral","sentiment_score":0.07535427808761597,"channel":1,"num_words":1,"start":3678.5051,"end":3678.78},{"sentences":[{"text":"wanna look at the insurances.","start":3678.51,"end":3679.65,"sentiment":"neutral","sentiment_score":0.08207848966121674},{"text":"We'll give you a recommendation on your insurance cover, what you need.","start":3679.95,"end":3683.63,"sentiment":"neutral","sentiment_score":0.16385627165436745},{"text":"We'll calculate exactly what your level of coverage that you need to be covered for, and then we'll give that recommendation.","start":3683.63,"end":3691.365,"sentiment":"neutral","sentiment_score":0.10775379268896013},{"text":"If you wanna proceed with it, then we'll get paid commission from the insurance company, which is 66% of whatever your premiums are between you.","start":3691.4248,"end":3699.125,"sentiment":"neutral","sentiment_score":0.11734561353921891}],"sentiment":"neutral","sentiment_score":0.12020853481122426,"channel":0,"num_words":63,"start":3678.51,"end":3699.125},{"sentences":[{"text":"Yep.","start":3702.7751,"end":3703.2751,"sentiment":"neutral","sentiment_score":0.07829861342906952}],"sentiment":"neutral","sentiment_score":0.07829861342906952,"channel":1,"num_words":1,"start":3702.7751,"end":3703.2751},{"sentences":[{"text":"Okay.","start":3704.4,"end":3704.72,"sentiment":"neutral","sentiment_score":-0.00989527627825737},{"text":"But I I'll I'll show all of that and disclose all of that in the statement of the device that we provide in a couple of weeks' time.","start":3704.72,"end":3710.74,"sentiment":"neutral","sentiment_score":0.05366085562855005}],"sentiment":"neutral","sentiment_score":0.0514692648731429,"channel":0,"num_words":29,"start":3704.4,"end":3710.74},{"sentences":[{"text":"Okay.","start":3711.25,"end":3711.57,"sentiment":"neutral","sentiment_score":0.33052587509155273},{"text":"Perfect.","start":3711.57,"end":3712.07,"sentiment":"positive","sentiment_score":0.5250365734100342}],"sentiment":"positive","sentiment_score":0.42778122425079346,"channel":1,"num_words":2,"start":3711.25,"end":3712.07},{"sentences":[{"text":"Okay.","start":3713.1199,"end":3713.5999,"sentiment":"neutral","sentiment_score":0.2156662195920944},{"text":"So that that would give you a much clearer idea because we're trying to break it down there.","start":3713.5999,"end":3717.22,"sentiment":"neutral","sentiment_score":0.23761707378758323}],"sentiment":"neutral","sentiment_score":0.2364617656720312,"channel":0,"num_words":19,"start":3713.1199,"end":3717.22},{"sentences":[{"text":"Yep.","start":3717.89,"end":3718.39,"sentiment":"neutral","sentiment_score":0.2870013415813446}],"sentiment":"neutral","sentiment_score":0.2870013415813446,"channel":1,"num_words":1,"start":3717.89,"end":3718.39},{"sentences":[{"text":"Beautiful.","start":3719.295,"end":3719.795,"sentiment":"positive","sentiment_score":0.4881532788276672},{"text":"Okay.","start":3720.175,"end":3720.675,"sentiment":"neutral","sentiment_score":0.1321854293346405},{"text":"So outside of that, there is the last thing I really wanna go go over is what happens if, for some reason, you know, if you were to invest your super with us, you or you find out that I'm drinking pina coladas in The Bahamas with your money or, you know, I hold on, something happens and, you know, Brandon pops away and I hold on to your assets, something along those lines, What do you do?","start":3721.375,"end":3746.625,"sentiment":"neutral","sentiment_score":-0.028922020708425686},{"text":"Right?","start":3746.6848,"end":3747.1848,"sentiment":"neutral","sentiment_score":0.00004058517515659332},{"text":"The first thing you do is you get in touch with our compliance manager of the Australian Financial Services license, which is me.","start":3747.4048,"end":3754.625,"sentiment":"neutral","sentiment_score":-0.00609611529532982}],"sentiment":"neutral","sentiment_score":-0.01707450936261851,"channel":0,"num_words":104,"start":3719.295,"end":3754.625},{"sentences":[{"text":"But","start":3755.6448,"end":3756.045,"sentiment":"neutral","sentiment_score":0.01850997656583786}],"sentiment":"neutral","sentiment_score":0.01850997656583786,"channel":0,"num_words":1,"start":3755.6448,"end":3756.045},{"sentences":[{"text":"Yes,","start":3755.915,"end":3756.415,"sentiment":"neutral","sentiment_score":0.024536775425076485}],"sentiment":"neutral","sentiment_score":0.024536775425076485,"channel":1,"num_words":1,"start":3755.915,"end":3756.415},{"sentences":[{"text":"I will be I'll be drinking pina coladas with your money in The Bahamas.","start":3756.045,"end":3760.3801,"sentiment":"neutral","sentiment_score":-0.005896437314472028},{"text":"So you probably won't wanna speak to me, and you wouldn't be able to get in touch.","start":3760.3801,"end":3764.4001,"sentiment":"neutral","sentiment_score":-0.08645486327655175},{"text":"So for that reason, we've got a non practicing director who's part a business partner who is the yeah.","start":3764.46,"end":3771.085,"sentiment":"neutral","sentiment_score":0.01110700243397763},{"text":"He's essentially also the compliance manager, so you'll get in touch with him.","start":3771.085,"end":3774.865,"sentiment":"neutral","sentiment_score":0.04176828924279947},{"text":"And he you know, we're pretty reasonable.","start":3775.085,"end":3777.105,"sentiment":"neutral","sentiment_score":0.09527349844574928}],"sentiment":"neutral","sentiment_score":-0.0018763928940253598,"channel":0,"num_words":70,"start":3756.045,"end":3777.105},{"sentences":[{"text":"We've never done anything like that.","start":3777.165,"end":3778.7651,"sentiment":"neutral","sentiment_score":-0.06514449696987867},{"text":"That's why he's gone business after all these years.","start":3778.7651,"end":3780.845,"sentiment":"neutral","sentiment_score":-0.0415910045719809},{"text":"But for some unknown reason, if this word occur, and Bob tells you to get stuff because he's gonna join me in The Bahamas somewhere, then you can go on to what's called an external dispute resolution, which is get in touch with AFTCA, the Australian Financial Complaints Authority, and all their details is at the bottom of that number 11 complaint handle, if you can see that.","start":3780.845,"end":3805.405,"sentiment":"neutral","sentiment_score":-0.006020278395975337}],"sentiment":"neutral","sentiment_score":-0.014151384986667749,"channel":0,"num_words":83,"start":3777.165,"end":3805.405},{"sentences":[{"text":"Yes.","start":3805.97,"end":3806.47,"sentiment":"neutral","sentiment_score":0.13007795810699463}],"sentiment":"neutral","sentiment_score":0.13007795810699463,"channel":1,"num_words":1,"start":3805.97,"end":3806.47},{"sentences":[{"text":"Beautiful.","start":3807.465,"end":3807.965,"sentiment":"neutral","sentiment_score":0.30589503049850464}],"sentiment":"neutral","sentiment_score":0.30589503049850464,"channel":0,"num_words":1,"start":3807.465,"end":3807.965},{"sentences":[{"text":"No.","start":3807.945,"end":3808.445,"sentiment":"neutral","sentiment_score":0.036026064306497574}],"sentiment":"neutral","sentiment_score":0.036026064306497574,"channel":1,"num_words":1,"start":3807.945,"end":3808.445},{"sentences":[{"text":"Do you have any questions before we get grab some details?","start":3808.105,"end":3810.825,"sentiment":"neutral","sentiment_score":-0.029327761043201794},{"text":"Because we're pretty much at the end.","start":3810.825,"end":3812.525,"sentiment":"neutral","sentiment_score":-0.05274388939142227},{"text":"No?","start":3815.19,"end":3815.69,"sentiment":"neutral","sentiment_score":-0.04817656800150871},{"text":"Sure.","start":3815.75,"end":3816.25,"sentiment":"neutral","sentiment_score":0.028828099370002747}],"sentiment":"neutral","sentiment_score":-0.03555805329233408,"channel":0,"num_words":20,"start":3808.105,"end":3816.25},{"sentences":[{"text":"No questions","start":3817.865,"end":3818.585,"sentiment":"neutral","sentiment_score":-0.00820733979344368}],"sentiment":"neutral","sentiment_score":-0.00820733979344368,"channel":1,"num_words":2,"start":3817.865,"end":3818.585},{"sentences":[{"text":"Yes.","start":3818.23,"end":3818.73,"sentiment":"neutral","sentiment_score":0.05115597695112229}],"sentiment":"neutral","sentiment_score":0.05115597695112229,"channel":0,"num_words":1,"start":3818.23,"end":3818.73},{"sentences":[{"text":"so far.","start":3818.585,"end":3819.225,"sentiment":"neutral","sentiment_score":0.05360936373472214},{"text":"If if we do change our mind and want to go on to a few of our other things,","start":3819.225,"end":3823.8052,"sentiment":"neutral","sentiment_score":0.024701244540904697}],"sentiment":"neutral","sentiment_score":0.02745439874983969,"channel":1,"num_words":21,"start":3818.585,"end":3823.8052},{"sentences":[{"text":"Yep.","start":3824.23,"end":3824.73,"sentiment":"neutral","sentiment_score":0.11087749898433684}],"sentiment":"neutral","sentiment_score":0.11087749898433684,"channel":0,"num_words":1,"start":3824.23,"end":3824.73},{"sentences":[{"text":"we can we can do that at another time, can we?","start":3825.8398,"end":3830.42,"sentiment":"neutral","sentiment_score":0.07989345016804608}],"sentiment":"neutral","sentiment_score":0.07989345016804608,"channel":1,"num_words":11,"start":3825.8398,"end":3830.42},{"sentences":[{"text":"Absolutely.","start":3830.825,"end":3831.325,"sentiment":"neutral","sentiment_score":0.1525636613368988},{"text":"Yeah.","start":3831.545,"end":3831.945,"sentiment":"neutral","sentiment_score":0.09892123192548752}],"sentiment":"neutral","sentiment_score":0.12574244663119316,"channel":0,"num_words":2,"start":3830.825,"end":3831.945},{"sentences":[{"text":"Yeah.","start":3831.92,"end":3832.16,"sentiment":"neutral","sentiment_score":0.05593964457511902}],"sentiment":"neutral","sentiment_score":0.05593964457511902,"channel":1,"num_words":1,"start":3831.92,"end":3832.16},{"sentences":[{"text":"Did","start":3831.945,"end":3832.185,"sentiment":"neutral","sentiment_score":0.16198524832725525}],"sentiment":"neutral","sentiment_score":0.16198524832725525,"channel":0,"num_words":1,"start":3831.945,"end":3832.185},{"sentences":[{"text":"Yep.","start":3832.16,"end":3832.66,"sentiment":"neutral","sentiment_score":0.2988745868206024}],"sentiment":"neutral","sentiment_score":0.2988745868206024,"channel":1,"num_words":1,"start":3832.16,"end":3832.66},{"sentences":[{"text":"you what I found is actually pretty beneficial because you are essentially in that complimentary consultation phase.","start":3832.185,"end":3841.645,"sentiment":"positive","sentiment_score":0.5881889094324673},{"text":"What we usually recommend what we usually do is review the skip a recommendation on the superannuation as well as your insurances because when you get to then we can show you the implications of it.","start":3842.49,"end":3857.05,"sentiment":"neutral","sentiment_score":0.3077312252587742},{"text":"Because when I propose and give you the recommendations, if you you can tell me you don't wanna go ahead with superannuation and you just 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money.","start":3869.605,"end":3880.2,"sentiment":"neutral","sentiment_score":-0.04907608873521288}],"sentiment":"neutral","sentiment_score":-0.0027958740081105915,"channel":0,"num_words":49,"start":3863.5251,"end":3880.2},{"sentences":[{"text":"Yep.","start":3880.9302,"end":3881.4302,"sentiment":"neutral","sentiment_score":0.2135218232870102}],"sentiment":"neutral","sentiment_score":0.2135218232870102,"channel":1,"num_words":1,"start":3880.9302,"end":3881.4302},{"sentences":[{"text":"So it's worthwhile to do the complimentary, you know, statement of advice for the whole root section now and tell me you don't wanna do something rather than say you just wanna do it now, and then I do more advice and charge you for it down the track, if that makes sense.","start":3881.22,"end":3897.055,"sentiment":"neutral","sentiment_score":0.30380672188300006}],"sentiment":"neutral","sentiment_score":0.30380672188300006,"channel":0,"num_words":53,"start":3881.22,"end":3897.055},{"sentences":[{"text":"Yeah.","start":3898.0752,"end":3898.395,"sentiment":"neutral","sentiment_score":0.31881141662597656},{"text":"That makes sense.","start":3898.395,"end":3899.375,"sentiment":"neutral","sentiment_score":0.3056407670180003}],"sentiment":"neutral","sentiment_score":0.30893342941999435,"channel":1,"num_words":4,"start":3898.0752,"end":3899.375},{"sentences":[{"text":"Okay.","start":3899.99,"end":3900.49,"sentiment":"neutral","sentiment_score":0.25318074226379395},{"text":"Because you don't have to go ahead with the recommendations or you don't have to go ahead with any of them.","start":3900.8699,"end":3905.19,"sentiment":"neutral","sentiment_score":0.17606840601989202},{"text":"You don't have to go ahead with all of them.","start":3905.19,"end":3907.11,"sentiment":"neutral","sentiment_score":0.12888631820678711},{"text":"You you we we it's more of a discussion when we present that recommendation and advice to you.","start":3907.11,"end":3912.045,"sentiment":"neutral","sentiment_score":0.23764666004313362},{"text":"So you can say, oh, we wanna proceed with insurance, but not super.","start":3912.125,"end":3915.825,"sentiment":"neutral","sentiment_score":0.15463106563458076}],"sentiment":"neutral","sentiment_score":0.18297339975833893,"channel":0,"num_words":63,"start":3899.99,"end":3915.825},{"sentences":[{"text":"And I'll say, not a problem.","start":3915.9648,"end":3917.325,"sentiment":"neutral","sentiment_score":0.20729151368141174},{"text":"Let's do 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you get back in touch and I present the statement of life and show you the recommendations, you I won't charge you until you say, yes.","start":3939.3052,"end":3946.8252,"sentiment":"neutral","sentiment_score":0.2285768118287836},{"text":"I want to proceed with this recommendation, whichever one it might be.","start":3946.8252,"end":3951.3252,"sentiment":"neutral","sentiment_score":0.23398124178250632},{"text":"And if it's not super, it's only the insurances, then we'll just get paid commission from the insurance company.","start":3951.49,"end":3956.79,"sentiment":"neutral","sentiment_score":0.1890265769080112}],"sentiment":"neutral","sentiment_score":0.19444524459069287,"channel":0,"num_words":79,"start":3931.98,"end":3956.79},{"sentences":[{"text":"But I can show you the benefits of actually you know, if there is something that's better for you on the market.","start":3957.09,"end":3963.345,"sentiment":"positive","sentiment_score":0.3818832981315526},{"text":"And if there's not, then why would I I can't give a recommendation because you wanna go ahead with something that's gonna make you in a worse off position.","start":3963.345,"end":3970.805,"sentiment":"negative","sentiment_score":-0.416757689981625},{"text":"Right?","start":3971.025,"end":3971.525,"sentiment":"neutral","sentiment_score":-0.12529656291007996}],"sentiment":"neutral","sentiment_score":-0.07326609641313553,"channel":0,"num_words":52,"start":3957.09,"end":3971.525},{"sentences":[{"text":"Of course.","start":3972.06,"end":3972.72,"sentiment":"neutral","sentiment_score":-0.08271679654717445}],"sentiment":"neutral","sentiment_score":-0.08271679654717445,"channel":1,"num_words":2,"start":3972.06,"end":3972.72},{"sentences":[{"text":"So yeah.","start":3972.2249,"end":3973.665,"sentiment":"neutral","sentiment_score":-0.026452451944351193},{"text":"So if that kinda makes sense, it's worthwhile just doing the full scope, which is super insurance, and then, you know, decide whether it's for you or 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well?","start":4750.7246,"end":4754.905,"sentiment":"neutral","sentiment_score":-0.002659581820754444}],"sentiment":"neutral","sentiment_score":-0.013107402995228768,"channel":0,"num_words":20,"start":4749.7646,"end":4754.905},{"sentences":[{"text":"Yeah.","start":4754.555,"end":4755.055,"sentiment":"neutral","sentiment_score":0.1306057572364807}],"sentiment":"neutral","sentiment_score":0.1306057572364807,"channel":1,"num_words":1,"start":4754.555,"end":4755.055},{"sentences":[{"text":"Amazing.","start":4756.43,"end":4756.93,"sentiment":"positive","sentiment_score":0.3557448387145996},{"text":"And do you guys have a will or power of attorney?","start":4757.23,"end":4760.0503,"sentiment":"neutral","sentiment_score":0.08933053842999718}],"sentiment":"neutral","sentiment_score":0.11153173012038071,"channel":0,"num_words":12,"start":4756.43,"end":4760.0503},{"sentences":[{"text":"No.","start":4760.5,"end":4760.82,"sentiment":"neutral","sentiment_score":-0.01587342657148838},{"text":"We do need to get that sorted too.","start":4760.82,"end":4762.84,"sentiment":"neutral","sentiment_score":-0.0704094092361629}],"sentiment":"neutral","sentiment_score":-0.06434985560675462,"channel":1,"num_words":9,"start":4760.5,"end":4762.84},{"sentences":[{"text":"Not a problem.","start":4763.47,"end":4764.29,"sentiment":"neutral","sentiment_score":0.1628973881403605},{"text":"I'll when I give my recommendation on insurances as well as super, I'll just do do a recommendation of the power of attorney in there as well.","start":4764.35,"end":4772.345,"sentiment":"neutral","sentiment_score":0.16529856539434856},{"text":"And that will be involved with your binding nomination.","start":4773.125,"end":4775.865,"sentiment":"neutral","sentiment_score":0.18384240733252633},{"text":"So who you nominate to receive your insurance benefits, if either of you were to, you know, get full of your perch,","start":4775.9253,"end":4782.825,"sentiment":"neutral","sentiment_score":0.12851798568259587}],"sentiment":"neutral","sentiment_score":0.15465132427997277,"channel":0,"num_words":61,"start":4763.47,"end":4782.825},{"sentences":[{"text":"Yep.","start":4782.5303,"end":4783.0303,"sentiment":"neutral","sentiment_score":0.047642748802900314}],"sentiment":"neutral","sentiment_score":0.047642748802900314,"channel":1,"num_words":1,"start":4782.5303,"end":4783.0303},{"sentences":[{"text":"let's say.","start":4782.8853,"end":4783.705,"sentiment":"neutral","sentiment_score":0.04102645441889763},{"text":"So we'll do that.","start":4785.3403,"end":4786.4004,"sentiment":"neutral","sentiment_score":0.05458860099315643},{"text":"Last thing I wanna touch on is looking at your risk profile questionnaire.","start":4786.8604,"end":4791.3604,"sentiment":"neutral","sentiment_score":-0.02116120821581437},{"text":"I don't make these questions up.","start":4791.66,"end":4793.18,"sentiment":"neutral","sentiment_score":-0.10947727039456367},{"text":"The federal government does and ASIC.","start":4793.18,"end":4795.3604,"sentiment":"neutral","sentiment_score":-0.09232956667741139}],"sentiment":"neutral","sentiment_score":-0.038242884400871494,"channel":0,"num_words":31,"start":4782.8853,"end":4795.3604},{"sentences":[{"text":"So some of them are pretty pretty stupid.","start":4795.58,"end":4797.74,"sentiment":"neutral","sentiment_score":-0.18931346759200096},{"text":"There's only a few of them, so I'll fly through them and then we're done.","start":4797.74,"end":4800.835,"sentiment":"neutral","sentiment_score":-0.04784948695451021},{"text":"Okay?","start":4800.835,"end":4801.335,"sentiment":"neutral","sentiment_score":-0.005892602726817131}],"sentiment":"neutral","sentiment_score":-0.09325594365751992,"channel":0,"num_words":24,"start":4795.58,"end":4801.335},{"sentences":[{"text":"Yeah.","start":4801.425,"end":4801.925,"sentiment":"neutral","sentiment_score":0.0031715594232082367}],"sentiment":"neutral","sentiment_score":0.0031715594232082367,"channel":1,"num_words":1,"start":4801.425,"end":4801.925},{"sentences":[{"text":"So how would you rate and this is each of you individually.","start":4801.7153,"end":4805.095,"sentiment":"neutral","sentiment_score":0.03141016233712435},{"text":"K?","start":4805.555,"end":4805.875,"sentiment":"neutral","sentiment_score":0.011916610412299631},{"text":"So","start":4805.875,"end":4806.115,"sentiment":"neutral","sentiment_score":0.013081606477499008}],"sentiment":"neutral","sentiment_score":0.02870858320966363,"channel":0,"num_words":14,"start":4801.7153,"end":4806.115},{"sentences":[{"text":"Okay.","start":4806.065,"end":4806.565,"sentiment":"neutral","sentiment_score":0.022702960297465324}],"sentiment":"neutral","sentiment_score":0.022702960297465324,"channel":1,"num_words":1,"start":4806.065,"end":4806.565},{"sentences":[{"text":"I just answered through for yourself.","start":4806.115,"end":4808.455,"sentiment":"neutral","sentiment_score":0.03299561267097791},{"text":"So how would you like to rate your willingness to take financial risk?","start":4809.475,"end":4813.1104,"sentiment":"neutral","sentiment_score":0.036181057731692605},{"text":"Would you say that you're a very high risk taker, high risk taker, average, or low risk taker?","start":4813.1104,"end":4817.37,"sentiment":"neutral","sentiment_score":-0.028076048474758863}],"sentiment":"neutral","sentiment_score":0.004404285243032752,"channel":0,"num_words":37,"start":4806.115,"end":4817.37},{"sentences":[{"text":"I'm probably medium high.","start":4821.61,"end":4825.15,"sentiment":"neutral","sentiment_score":-0.03723910637199879}],"sentiment":"neutral","sentiment_score":-0.03723910637199879,"channel":1,"num_words":4,"start":4821.61,"end":4825.15},{"sentences":[{"text":"Medium, high.","start":4825.8853,"end":4826.9453,"sentiment":"neutral","sentiment_score":-0.01290314830839634},{"text":"Two.","start":4827.005,"end":4827.325,"sentiment":"neutral","sentiment_score":-0.0022509554401040077},{"text":"So I'll say two.","start":4827.325,"end":4828.4653,"sentiment":"neutral","sentiment_score":0.011752603575587273}],"sentiment":"neutral","sentiment_score":0.0027075946064932005,"channel":0,"num_words":7,"start":4825.8853,"end":4828.4653},{"sentences":[{"text":"Brandon would be high high.","start":4828.065,"end":4829.845,"sentiment":"neutral","sentiment_score":0.026334125176072122}],"sentiment":"neutral","sentiment_score":0.026334125176072122,"channel":1,"num_words":5,"start":4828.065,"end":4829.845},{"sentences":[{"text":"High, high.","start":4830.4453,"end":4831.165,"sentiment":"neutral","sentiment_score":0.0988619402050972},{"text":"Beautiful.","start":4831.165,"end":4831.665,"sentiment":"positive","sentiment_score":0.46933385729789734},{"text":"And how would you how familiar are you with the investment markets?","start":4832.285,"end":4836.605,"sentiment":"neutral","sentiment_score":0.11820248886942863},{"text":"Would you say that you're comfortable with the investment knowledge?","start":4836.605,"end":4839.63,"sentiment":"neutral","sentiment_score":0.0266456913203001},{"text":"You're aware that markets kind of fluctuate both up and down?","start":4840.4297,"end":4843.4897,"sentiment":"neutral","sentiment_score":-0.035863127474757756}],"sentiment":"neutral","sentiment_score":0.05437361430894169,"channel":0,"num_words":36,"start":4830.4453,"end":4843.4897},{"sentences":[{"text":"Or you've got","start":4843.63,"end":4844.4297,"sentiment":"neutral","sentiment_score":-0.008054433856159449}],"sentiment":"neutral","sentiment_score":-0.008054433856159449,"channel":0,"num_words":3,"start":4843.63,"end":4844.4297},{"sentences":[{"text":"Oh, 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it.","start":4844.93,"end":4847.0103,"sentiment":"neutral","sentiment_score":-0.01566850021481514},{"text":"I just haven't oh, well, we've got a little we've got we invest $20.","start":4847.0103,"end":4853.625,"sentiment":"neutral","sentiment_score":0.0050732615137738845},{"text":"It sounds like nothing, $20 a week.","start":4853.765,"end":4856.025,"sentiment":"neutral","sentiment_score":-0.007165158167481422},{"text":"But I just wanted to get into March.","start":4856.325,"end":4858.185,"sentiment":"neutral","sentiment_score":0.023058916442096233}],"sentiment":"neutral","sentiment_score":0.003735246602445841,"channel":1,"num_words":34,"start":4844.93,"end":4858.185},{"sentences":[{"text":"Yeah.","start":4858.925,"end":4859.165,"sentiment":"neutral","sentiment_score":0.01695656031370163},{"text":"No.","start":4859.165,"end":4859.405,"sentiment":"neutral","sentiment_score":-0.05378871411085129},{"text":"That's fair enough.","start":4859.405,"end":4860.305,"sentiment":"neutral","sentiment_score":-0.03422734482834736}],"sentiment":"neutral","sentiment_score":-0.02790283765643835,"channel":0,"num_words":5,"start":4858.925,"end":4860.305},{"sentences":[{"text":"But I'm I'm aware of the fluctuations.","start":4860.245,"end":4862.4253,"sentiment":"neutral","sentiment_score":-0.007067544518836907}],"sentiment":"neutral","sentiment_score":-0.007067544518836907,"channel":1,"num_words":7,"start":4860.245,"end":4862.4253},{"sentences":[{"text":"Beautiful.","start":4863.645,"end":4864.125,"sentiment":"positive","sentiment_score":0.643125057220459},{"text":"So there are things like child builder bonds that you can invest into a high growth standard ETF, things like that.","start":4864.125,"end":4869.84,"sentiment":"positive","sentiment_score":0.36850710426058086},{"text":"But we can look at that down the track if you did wanna obviously proceed with with the recommendations and things like that.","start":4869.84,"end":4876.5,"sentiment":"neutral","sentiment_score":0.2962543141582738}],"sentiment":"positive","sentiment_score":0.337680521607399,"channel":0,"num_words":45,"start":4863.645,"end":4876.5},{"sentences":[{"text":"Yes.","start":4876.56,"end":4877.06,"sentiment":"positive","sentiment_score":0.40622448921203613}],"sentiment":"positive","sentiment_score":0.40622448921203613,"channel":1,"num_words":1,"start":4876.56,"end":4877.06},{"sentences":[{"text":"But, yeah, there's lots of really wonderful things that you can do.","start":4876.6396,"end":4879.555,"sentiment":"positive","sentiment_score":0.7153871655464172},{"text":"Like a child build upon, you can pay no tax at the end of a ten year term.","start":4879.555,"end":4883.735,"sentiment":"positive","sentiment_score":0.556881801949607},{"text":"And it's in a high growth ETF that I think on average is, like, 11%, something like that.","start":4884.275,"end":4890.295,"sentiment":"positive","sentiment_score":0.38885946075121564},{"text":"But, yeah, it's pretty crazy what you can do.","start":4890.355,"end":4892.85,"sentiment":"neutral","sentiment_score":0.2600420183605618},{"text":"So that's that's part of what we do mostly as well.","start":4892.85,"end":4895.83,"sentiment":"positive","sentiment_score":0.3628213419155641}],"sentiment":"positive","sentiment_score":0.46969708296305995,"channel":0,"num_words":68,"start":4876.6396,"end":4895.83},{"sentences":[{"text":"What is the gross most aggressive investments you've ever made?","start":4896.5303,"end":4899.5703,"sentiment":"neutral","sentiment_score":0.10798105672001838},{"text":"Have you either of you bought direct shares before?","start":4899.5703,"end":4902.31,"sentiment":"neutral","sentiment_score":0.00225918802122275}],"sentiment":"neutral","sentiment_score":0.05790227681006256,"channel":0,"num_words":19,"start":4896.5303,"end":4902.31},{"sentences":[{"text":"No.","start":4904.445,"end":4904.945,"sentiment":"neutral","sentiment_score":-0.06086202710866928}],"sentiment":"neutral","sentiment_score":-0.06086202710866928,"channel":1,"num_words":1,"start":4904.445,"end":4904.945},{"sentences":[{"text":"So what investment are you buying with that $20 a week?","start":4906.225,"end":4909.605,"sentiment":"neutral","sentiment_score":-0.028552005914124576}],"sentiment":"neutral","sentiment_score":-0.028552005914124576,"channel":0,"num_words":11,"start":4906.225,"end":4909.605},{"sentences":[{"text":"I've got it on Sharesies, and","start":4910.125,"end":4913.665,"sentiment":"neutral","sentiment_score":0.017683694139122963}],"sentiment":"neutral","sentiment_score":0.017683694139122963,"channel":1,"num_words":6,"start":4910.125,"end":4913.665},{"sentences":[{"text":"Okay.","start":4913.345,"end":4913.845,"sentiment":"neutral","sentiment_score":0.038319747895002365}],"sentiment":"neutral","sentiment_score":0.038319747895002365,"channel":0,"num_words":1,"start":4913.345,"end":4913.845},{"sentences":[{"text":"I've got it as an auto invest.","start":4913.8047,"end":4916.225,"sentiment":"neutral","sentiment_score":0.02831666889999594},{"text":"I had look.","start":4918.1797,"end":4918.98,"sentiment":"neutral","sentiment_score":-0.013945893694957098},{"text":"I have no idea when I set it up.","start":4918.98,"end":4920.7397,"sentiment":"neutral","sentiment_score":-0.08562314634521802},{"text":"I'm not gonna 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or","start":4922.8403,"end":4926.3804,"sentiment":"neutral","sentiment_score":0.004202252397170434}],"sentiment":"neutral","sentiment_score":0.004202252397170434,"channel":0,"num_words":13,"start":4922.8403,"end":4926.3804},{"sentences":[{"text":"yep.","start":4926.6597,"end":4927.06,"sentiment":"neutral","sentiment_score":-0.0009472340461798012}],"sentiment":"neutral","sentiment_score":-0.0009472340461798012,"channel":1,"num_words":1,"start":4926.6597,"end":4927.06},{"sentences":[{"text":"I","start":4926.8403,"end":4927.16,"sentiment":"neutral","sentiment_score":0.0025148876011371613}],"sentiment":"neutral","sentiment_score":0.0025148876011371613,"channel":0,"num_words":1,"start":4926.8403,"end":4927.16},{"sentences":[{"text":"So","start":4927.06,"end":4927.3,"sentiment":"neutral","sentiment_score":-0.002865474671125412}],"sentiment":"neutral","sentiment_score":-0.002865474671125412,"channel":1,"num_words":1,"start":4927.06,"end":4927.3},{"sentences":[{"text":"I","start":4927.16,"end":4927.4004,"sentiment":"neutral","sentiment_score":-0.009801911190152168}],"sentiment":"neutral","sentiment_score":-0.009801911190152168,"channel":0,"num_words":1,"start":4927.16,"end":4927.4004},{"sentences":[{"text":"I've","start":4927.3,"end":4927.46,"sentiment":"neutral","sentiment_score":-0.0021091215312480927}],"sentiment":"neutral","sentiment_score":-0.0021091215312480927,"channel":1,"num_words":1,"start":4927.3,"end":4927.46},{"sentences":[{"text":"v","start":4927.4004,"end":4927.72,"sentiment":"neutral","sentiment_score":0.0042417095974087715}],"sentiment":"neutral","sentiment_score":0.0042417095974087715,"channel":0,"num_words":1,"start":4927.4004,"end":4927.72},{"sentences":[{"text":"got","start":4927.46,"end":4927.96,"sentiment":"neutral","sentiment_score":-0.0017990339547395706}],"sentiment":"neutral","sentiment_score":-0.0017990339547395706,"channel":1,"num_words":1,"start":4927.46,"end":4927.96},{"sentences":[{"text":"z?","start":4927.72,"end":4928.22,"sentiment":"neutral","sentiment_score":0.009739749133586884}],"sentiment":"neutral","sentiment_score":0.009739749133586884,"channel":0,"num_words":1,"start":4927.72,"end":4928.22},{"sentences":[{"text":"I've 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night.","start":5468.757,"end":5469.397,"sentiment":"positive","sentiment_score":0.6799068649609884}],"sentiment":"positive","sentiment_score":0.4526627705647395,"channel":0,"num_words":13,"start":5466.4766,"end":5469.397},{"sentences":[{"text":"Bye","start":5469.2974,"end":5469.617,"sentiment":"neutral","sentiment_score":0.2580559551715851}],"sentiment":"neutral","sentiment_score":0.2580559551715851,"channel":1,"num_words":1,"start":5469.2974,"end":5469.617},{"sentences":[{"text":"Bye.","start":5469.397,"end":5469.897,"sentiment":"neutral","sentiment_score":0.2629302144050598}],"sentiment":"neutral","sentiment_score":0.2629302144050598,"channel":0,"num_words":1,"start":5469.397,"end":5469.897},{"sentences":[{"text":"bye.","start":5469.617,"end":5470.117,"sentiment":"neutral","sentiment_score":-0.1274988353252411}],"sentiment":"neutral","sentiment_score":-0.1274988353252411,"channel":1,"num_words":1,"start":5469.617,"end":5470.117}]},"summary":{"result":"success","short":"The Motley Financial representative emphasizes the importance of balancing insurances and coverage in a balanced way, and offers a financial services guide and personal information review. The customer is hesitant about the implementation fee for investment and superannaps, but the agent offers a complimentary consultation and provides recommendations on insurance cover and employment history. The adviser emphasizes the importance of staying working with clients and building relationships, as well as the importance of reviewing recommendations and getting a complimentary consultation. The process for risk profile questionnaire and employment history is discussed, personal information, and risk scores are also provided, and recommendations are given on insurance cover and a follow-up call for Tuesday. The importance of volatility and anxiety in risk tolerance is emphasized, and borrowing against home or investment property is suggested."},"intents":{"segments":[{"text":"Now I've sent you through that email with a couple of attachments. I guess the first the way this itinerary kinda runs out is just kinda understanding what you guys are looking for, getting to know you as clients, and then show you a little bit more about us, do a little bit of the fact find, and, yeah, go through a risk profile and then book in some time to do a statement on advice. Perfect.","start_word":152,"end_word":228,"intents":[{"intent":"Define purpose","confidence_score":0.000117495416}]},{"text":"if we do go with insurance through our own supers, they still give you money? No.","start_word":683,"end_word":698,"intents":[{"intent":"Provide insurance coverage","confidence_score":0.004648913}]},{"text":"So it makes it what what we like to recommend is what's called comprehensive retail cover, and that What's goes through, the sorry. What was the name of it? sorry, retail underwritten cover. So it Okay.","start_word":1036,"end_word":1071,"intents":[{"intent":"Recommend comprehensive retail coverage","confidence_score":0.011566799}]},{"text":"We can recommend any product on the planet. It doesn't bother us because we run our own license. So it could be, you know, one of the big plays international like MetLife or Zurich, or could be one of the larger larger insurers in Australia, which is SayTal, t a l, big green three letters.","start_word":1075,"end_word":1129,"intents":[{"intent":"Inquire about product recommendations","confidence_score":0.005076322}]},{"text":"Well, I guess the best probably the best next step is going through a bit of our services and, you know, looking up the financial services guide and giving you a rundown of us. Yes.","start_word":1201,"end_word":1235,"intents":[{"intent":"Discuss future plans for q super","confidence_score":0.00011478549}]},{"text":"Well, I guess the best probably the best next step is going through a bit of our services and, you know, looking up the financial services guide and giving you a rundown of us. Yes. Beautiful.","start_word":1201,"end_word":1236,"intents":[{"intent":"Go through financial services guide","confidence_score":0.00016160986}]},{"text":"The reason why I also bring up that q super is because when you're looking at insurances and we get comprehensive cover and apply for what what you need in line with your needs analysis, It You just said it's Do you mind? Sorry.","start_word":1237,"end_word":1280,"intents":[{"intent":"Clarify benefits of q super","confidence_score":0.0010462998}]},{"text":"The reason why I also bring up that q super is because when you're looking at insurances and we get comprehensive cover and apply for what what you need in line with your needs analysis, It You just said it's Do you mind? Sorry. Sure.","start_word":1237,"end_word":1281,"intents":[{"intent":"Clarify availability of q super coverage","confidence_score":8.0316084e-7}]},{"text":"So I just wanna touch on those insurances again.","start_word":1407,"end_word":1415,"intents":[{"intent":"Discuss insurance concerns","confidence_score":0.00009864924}]},{"text":"So I just wanna touch on those insurances again. And the reason why I brought up superannuation is because you essentially have that just given to you cover within your insurances.","start_word":1407,"end_word":1437,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.06752}]},{"text":"Life life is pretty self explanatory. If you're kinda dead, you're dead. Yes.","start_word":1438,"end_word":1450,"intents":[{"intent":"Discuss life insurance coverage","confidence_score":0.04312637}]},{"text":"So it's really important that if you are paying premiums for it, then you wanna make sure that you're covered for enough because being over insured is just as bad as being under insured. K? Sorry.","start_word":1509,"end_word":1544,"intents":[{"intent":"Discuss over-insured coverage","confidence_score":0.011490326}]},{"text":"That's that's all about some insurances. So just and what I was saying before is, you know, if you don't claim on your insurance policy, whether that be inside your Superfund and q super that you don't need you're not too sure on if it meets your needs or not, or it's fully comprehensive underwritten insurance cover to that will get you paid.","start_word":1619,"end_word":1681,"intents":[{"intent":"Discuss insurance policy coverage","confidence_score":0.009464538}]},{"text":"Let's say your needs analysis is a million dollars, just for numbers sake, for life and total burden of disability. Yes.","start_word":1731,"end_word":1751,"intents":[{"intent":"Calculate needs and coverage","confidence_score":0.0006163501}]},{"text":"Even if you got a policy outside of that super fund, you can still get a super fund to pay for that. So Yes.","start_word":2043,"end_word":2066,"intents":[{"intent":"Inquire about trauma policy","confidence_score":0.002841122}]},{"text":"Well, I think this is probably good segue to talk about kind of our our strategy, our structure, our process.","start_word":2729,"end_word":2748,"intents":[{"intent":"Discuss strategy and process","confidence_score":0.08769103}]},{"text":"I think my VPN is restricting me from downloading it. So give me one second while it's it's annoying. Disconnects. Sorry.","start_word":3115,"end_word":3135,"intents":[{"intent":"Restrict bandwidth","confidence_score":0.0025356086}]},{"text":"Disconnects. Sorry.","start_word":3133,"end_word":3134,"intents":[{"intent":"Disconnect","confidence_score":0.58760124}]},{"text":"It's amazing when technology works, but when Oh, yeah. it's the size of our work, it's yeah. We we really need it. Definitely.","start_word":3135,"end_word":3157,"intents":[{"intent":"Express gratitude","confidence_score":0.00053470046}]},{"text":"So that first page you're looking at should be the OQ should say OQ Financial, OQ Services Guide, ABN, where where our address is, and a picture of the Gold Coast. Can you see Yes. that?","start_word":3166,"end_word":3201,"intents":[{"intent":"Provide information","confidence_score":0.03205799}]},{"text":"Do you remember do you know anything about the 2017 Haines Royal Commission into banking and finance? Or No. okay.","start_word":3280,"end_word":3299,"intents":[{"intent":"Clarify information","confidence_score":0.0013849586},{"intent":"Discuss financial planning","confidence_score":0.058442745}]},{"text":"Some you looked at, you know, deceased estates by over twenty years still being charged fees, extortionate fees.","start_word":3368,"end_word":3385,"intents":[{"intent":"Discuss fees","confidence_score":0.19294558}]},{"text":"So the ideal situation is to be what's called self insured so that you don't have to pay somebody else a premium to cover your needs because you can cover them yourself. Yeah.","start_word":3784,"end_word":3816,"intents":[{"intent":"Discuss self-insured coverage","confidence_score":0.0071089906}]},{"text":"But the next page is really what I wanted to kinda focus on, And that's the OP Wealth Cycle.","start_word":4275,"end_word":4293,"intents":[{"intent":"Highlight ops wealth cycle","confidence_score":0.0030495233}]},{"text":"And then making sure that we review your insurances, make sure that you're covered for enough and you're not paying too much, those kind of things. So that if anything were to go wrong, then you you at least you're covered for the rest of your time and so you can access your super. Yes. Okay? Yes.","start_word":4573,"end_word":4629,"intents":[{"intent":"Review insurance coverage and policies","confidence_score":0.0012188493}]},{"text":"But we'll give you a recommendation on that no matter what. And that's Yes.","start_word":5001,"end_word":5014,"intents":[{"intent":"Provide recommendations","confidence_score":0.016032904},{"intent":"Provide recommendations","confidence_score":0.008056879}]},{"text":"After that, we can we we kind of once you get this the your retirement balance working harder for you for retirement and making sure that you're covered as well, then we move on to the trunk stage.","start_word":5026,"end_word":5063,"intents":[{"intent":"Plan for retirement","confidence_score":0.0038133538}]},{"text":"We can work Carlos. on those cash car loans exactly. If it's not in a if it's not for business purposes, then it's really hard to deduct. Yep.","start_word":5177,"end_word":5204,"intents":[{"intent":"Work on debt","confidence_score":0.008124916}]},{"text":"So one of the only countries in the world where you can deduct a 100% of the interest charged on invest on assets for investment purposes. Yeah.","start_word":5246,"end_word":5272,"intents":[{"intent":"Deduct interest","confidence_score":0.207638}]},{"text":"that's when you start leveraging it into equity in your home to get investment properties using OPM.","start_word":5316,"end_word":5332,"intents":[{"intent":"Educate on portfolio investments","confidence_score":4.5359297e-7}]},{"text":"And how much is the value in the loan on that property? The we owe Yep. 490,000. 490,000. Amazing. And what do you think the value is worth at the moment?","start_word":5832,"end_word":5862,"intents":[{"intent":"Assess investment value","confidence_score":0.042269077}]},{"text":"perfect I used to work. weather now. Like, jacket in the morning, and now I'm in just in, like, a crop top and shorts. Amazing. Yeah. Yeah.","start_word":5935,"end_word":5961,"intents":[{"intent":"Highlight the timing of the trip","confidence_score":0.0000057047832}]},{"text":"So the Hilux and you've got that primary place of residence. How much are the repayments on that per month? Or Of the house or the car? Both.","start_word":6616,"end_word":6643,"intents":[{"intent":"Report payment options","confidence_score":0.000027509159}]},{"text":"It does increase your mortgage and will increase your repayment a little bit, but I'm I can almost guarantee that it will not be increase your payments more than the 303 per week you're paying at the moment.","start_word":6952,"end_word":6989,"intents":[{"intent":"Increase mortgage payments","confidence_score":0.0001713428}]},{"text":"But wouldn't we be paying more interest over time?","start_word":6990,"end_word":6998,"intents":[{"intent":"Pay more interest","confidence_score":0.0016006795}]},{"text":"And it opens up your cash flow. So if you're really concerned about it, they should You say could then you could even invest you $200 a fucking week. Yeah. That makes offset.","start_word":7157,"end_word":7189,"intents":[{"intent":"Optimize cash flow","confidence_score":0.09633262}]},{"text":"You can off you can offset the interest charge by utilizing an offset account. Do you have an offset account on your primary place of residence?","start_word":7195,"end_word":7220,"intents":[{"intent":"Set up offset account","confidence_score":0.52852076}]},{"text":"But I was gonna start one when I went and spoke with the mortgage broker. Yeah.","start_word":7302,"end_word":7317,"intents":[{"intent":"Suggest a different mortgage plan","confidence_score":9.258632e-8}]},{"text":"It can be a lot more a lot more beneficial for you to consolidate all that debt into a non into a appreciating asset, not a deep appreciating asset, that's Yes.","start_word":7727,"end_word":7757,"intents":[{"intent":"Consolidate debt","confidence_score":0.5267785}]},{"text":"And we can do all those numbers and give you recommendations on that as well.","start_word":7861,"end_word":7875,"intents":[{"intent":"Obtain recommendations on disbursements","confidence_score":2.3250033e-7}]},{"text":"Key to us, and then you can call it a day and retire and file.","start_word":8114,"end_word":8128,"intents":[{"intent":"Discuss retirement savings","confidence_score":0.000022570019}]},{"text":"So there's nothing worse than recommending client server to somebody else that, you know, doesn't they drop the ball or don't service you as a client in their own, you know, in their own expertise?","start_word":8337,"end_word":8371,"intents":[{"intent":"Recommend client server","confidence_score":0.2559382}]},{"text":"So if we speak to your mortgage broker, I would I would want them to be a part of this nice little network They remain.","start_word":8392,"end_word":8416,"intents":[{"intent":"Speak to mortgage broker","confidence_score":0.20610648}]},{"text":"And looking at the file, the last thing I need to go through is the financial services guide, and they will just gather some further information about you, and then we're done. K? Yes.","start_word":8425,"end_word":8458,"intents":[{"intent":"Gather information","confidence_score":0.7504712},{"intent":"Ask for details","confidence_score":0.0005948959}]},{"text":"Now this is a little bit more about fees and everything else. Yes.","start_word":8479,"end_word":8491,"intents":[{"intent":"Discuss fees","confidence_score":0.061852943}]},{"text":"Are you look are you on that page yet? Or Yes. amazing.","start_word":8548,"end_word":8559,"intents":[{"intent":"Confirm understanding","confidence_score":0.09089645},{"intent":"Confirm identity","confidence_score":0.073053755}]},{"text":"So the purpose of this FSG is just to make sure that you know that I'm authorized or we are authorized to give personalized financial advice. How we're paid, any sort of conflicts, and what to do if I run away with your money, essentially.","start_word":8560,"end_word":8604,"intents":[{"intent":"Determine authorization","confidence_score":0.00084874034}]},{"text":"So, usually, you know have you ever looked into, you know, Sky let's say Sky Wealth you were talking about? Was that was that the firm that you're talking about before Yeah.","start_word":8651,"end_word":8682,"intents":[{"intent":"Verify familiarity","confidence_score":0.000032668362},{"intent":"Suggest lookup firm","confidence_score":0.000077086675}]},{"text":"So Sky Financial, they are based on the Gold Coast Financial Advisors. We just do a quick Google search. So Sky Financial Advisors look.","start_word":8695,"end_word":8718,"intents":[{"intent":"Suggest google search","confidence_score":0.00727658}]},{"text":"So they're essentially if I just grab their their website and I come down underneath to the bottom of their page on their disclaimer, they essentially what Link Wealth Group Proprietary Limited trading as Sky Advisors is an authorized representative of Acumen Financial Plan. Right?","start_word":8721,"end_word":8765,"intents":[{"intent":"Explain website content","confidence_score":0.000014963164},{"intent":"Provide information","confidence_score":0.01851872},{"intent":"Provide information","confidence_score":0.005435913}]},{"text":"So so that Sky Financial or Sky Advisors, they are working as what's called an authorized representative of an AFSO, an Australian Financial Services license.","start_word":8765,"end_word":8789,"intents":[{"intent":"Explain license","confidence_score":0.20221926}]},{"text":"And our Australian Financial Services license number is 513068. Okay?","start_word":8895,"end_word":8904,"intents":[{"intent":"Provide license number","confidence_score":0.05532344}]},{"text":"We can't say that we're independent or unbiased or impartial.","start_word":8909,"end_word":8918,"intents":[{"intent":"Explain absence of independent authority","confidence_score":0.000006061383}]},{"text":"But on page four, the services we provide, we can I just broke it down very simply there between deposit payment products, government debentures, stocks and bonds, life insurances, that's where you're in, and all the rest, all the way down to super?","start_word":8954,"end_word":8996,"intents":[{"intent":"Describe services","confidence_score":0.041936766}]},{"text":"The way that we kind of provide our advice, that's number five, is we go through this initial contact, understand your information, and get your goals, your risk profile, and show you a bit about us.","start_word":9069,"end_word":9104,"intents":[{"intent":"Provide advice","confidence_score":0.52274567}]},{"text":"Part of the fee and charges. So this is our fee structure.","start_word":9272,"end_word":9283,"intents":[{"intent":"Explain fees","confidence_score":0.00121872}]},{"text":"Part of the fee and charges. So this is our fee structure. There's an upfront and an ongoing service fee. We the each stage is a little bit more Okay.","start_word":9272,"end_word":9301,"intents":[{"intent":"Discuss fee charges","confidence_score":0.00012941546}]},{"text":"So this is our fee structure. There's an upfront and an ongoing service fee. We the each stage is a little bit more Okay.","start_word":9278,"end_word":9301,"intents":[{"intent":"Explain fee structure","confidence_score":0.08039234}]},{"text":"They charge a it's it's to cover our expenses. You know, my time and the lights, all the staff, the team, absolutely everything, as well as the preparation of the the documents. It's a pretty you know, like, carpenters build a desk or build the frame of the house. This document's personalized to you.","start_word":9341,"end_word":9394,"intents":[{"intent":"Discuss documents","confidence_score":0.014845792}]},{"text":"But even if we do all three of those strategies and give you give you a recommendation on that, it's completely complimentary.","start_word":9579,"end_word":9600,"intents":[{"intent":"Recommend options","confidence_score":0.0039056637}]},{"text":"So did you wanna just kinda start off with a insurance recommendation first and then see how that goes? Or I'm thinking yes. yep. Just the insurances for now. Yeah.","start_word":10188,"end_word":10217,"intents":[{"intent":"Review insurances","confidence_score":0.00017180397}]},{"text":"Well, look, the next step is just running through some basic details for yourself and Brandon, and and then go through a risk profile questionnaire. And after that, we'll just book another time to catch up, another couple weeks. Perfect.","start_word":11289,"end_word":11328,"intents":[{"intent":"Schedule meeting","confidence_score":0.17370947}]},{"text":"Oh, that's awesome. Yeah. Beautiful.","start_word":11581,"end_word":11585,"intents":[{"intent":"Express gratitude","confidence_score":0.0014023907}]},{"text":"I completely understand. Emergency department, thank you so much for everything you do. Nurses get nowhere near enough appreciation for what you guys do. It's unbelievable.","start_word":11657,"end_word":11682,"intents":[{"intent":"Confirm understanding","confidence_score":0.14029568}]},{"text":"And your do does he ever work more than 12 meters in height doing that? Or 12 meters at heart.","start_word":11708,"end_word":11727,"intents":[{"intent":"Ask about height preference","confidence_score":0.0003705001}]},{"text":"And looking up the strategy, did you want me to do this in the recommendation just for yourself or for yourself and Brandon? Both of us. Yeah.","start_word":11741,"end_word":11767,"intents":[{"intent":"Suggest recommendation","confidence_score":0.009045896}]},{"text":"okay. Go for it. Yeah. Yeah. Yeah. Just So go shopping. Brandon, there's a question. Do you work above 12 meters high? Oh, jeez. Twenty twenty eight plus is 12 meters hot, though. It's like yeah. Yeah. 12 yes.","start_word":11781,"end_word":11819,"intents":[{"intent":"End conversation","confidence_score":0.009953011}]},{"text":"And what Jobs do you what don't do you call allow that. yep.","start_word":12082,"end_word":12094,"intents":[{"intent":"Evaluate job requirements","confidence_score":0.011918421}]},{"text":"Can you talk me over the window, please, Michael? Oh, loud.","start_word":12319,"end_word":12329,"intents":[{"intent":"Schedule a meeting","confidence_score":0.00027763593}]},{"text":"I think it's super because that's that's just what it says on the end of the financial year tax return thing. Amazing.","start_word":12512,"end_word":12533,"intents":[{"intent":"Discuss health insurance coverage","confidence_score":0.00048519004}]},{"text":"If I shoot you through an email after this evening or maybe tomorrow morning, like I said, five year old get hungry tomorrow morning to yourself and Madison. Would you be able to just maybe shoot through a statement of that c plus super for our recommendations?","start_word":12568,"end_word":12614,"intents":[{"intent":"Send statement","confidence_score":0.009403243}]},{"text":"Do you salary sacrifice anything into super or raw? No. And No.","start_word":12697,"end_word":12708,"intents":[{"intent":"Discuss salary sacrifices","confidence_score":0.008741074}]},{"text":"do you have an EBA for your employer? No.","start_word":12709,"end_word":12717,"intents":[{"intent":"Confirm eligibility for eba","confidence_score":0.0011291535}]},{"text":"So do you take any medication, and do you have private health cover? No. No.","start_word":13004,"end_word":13018,"intents":[{"intent":"Clarify medical coverage","confidence_score":0.0006827073}]},{"text":"And do you have you you obviously have the extras for the five and l as well? Yeah.","start_word":13283,"end_word":13300,"intents":[{"intent":"Evaluate health insurance coverage","confidence_score":0.01704206}]},{"text":"So there are things like child builder bonds that you can invest into a high growth standard ETF, things like that. But we can look at that down the track if you did wanna obviously proceed with with the recommendations and things like that. Yes.","start_word":13599,"end_word":13643,"intents":[{"intent":"Discuss investment recommendations","confidence_score":0.023482954}]},{"text":"So have you ever thought about taking out a loan to invest? One, you have borrowed or open to borrowing for stocks and funds? Three, have borrowed or open to borrowing or investment property. So borrowing against your home, that's it, to invest investment property. Or five I'll invest in investment properties. Yes.","start_word":14560,"end_word":14612,"intents":[{"intent":"Inquire about borrowing options","confidence_score":0.00707059}]},{"text":"And because you're with q super and you're working in Queensland as a RN, do you get the extra super benefits, your salary sacrifice, and all of that? Or Yes.","start_word":14960,"end_word":14989,"intents":[{"intent":"Inquire about benefits and salary sacrifice","confidence_score":0.0013379927}]},{"text":"When's a good time? I'm looking at does 05:00 in the afternoon suit you guys? It sounds like you're busy with the kids, but I'm assuming you're working on Final Pass. Yeah. That's perfect. Five o'clock's good. What about next week?","start_word":15083,"end_word":15123,"intents":[{"intent":"Confirm availability","confidence_score":0.046644207},{"intent":"Schedule appointment","confidence_score":0.033756357}]},{"text":"I'll send you a calendar invite. Do you have any questions for me?","start_word":15136,"end_word":15148,"intents":[{"intent":"Address questions","confidence_score":0.023701629}]},{"text":"I'll send you a calendar invite. Do you have any questions for me? No.","start_word":15136,"end_word":15149,"intents":[{"intent":"Provide calendar invite","confidence_score":0.2171556}]}]},"sentiments":{"segments":[{"text":"Hey. Am I speaking with Madison? Hello? Yes. It is. Hey. We're not here. It's Debbie calling from Motley Financial. How are you doing?","start_word":0,"end_word":23,"sentiment":"neutral","sentiment_score":0.022524813190102577},{"text":"Good. Thank you.","start_word":24,"end_word":26,"sentiment":"positive","sentiment_score":0.403376579284668},{"text":"How are you?","start_word":27,"end_word":29,"sentiment":"neutral","sentiment_score":0.2705235183238983},{"text":"I am very well. Thank you for asking.","start_word":30,"end_word":37,"sentiment":"positive","sentiment_score":0.5439409613609314},{"text":"It's my work at home day, so I could not be better, to be honest. Doing a lot Even of zero better. yeah. So I'm just in the comfort of my own home doing a good initial consultation. Is Brendan Yeah. there?","start_word":38,"end_word":79,"sentiment":"neutral","sentiment_score":0.22366122901439667},{"text":"Mate, lovely to virtually meet you.","start_word":80,"end_word":85,"sentiment":"positive","sentiment_score":0.4732221364974976},{"text":"I do apologize. I realized that Yeah. I spelled your name wrong in the email I sent out. Oh, yes. So yeah. It's I know that's what the I think that novel, How to Win Friends and Influence People by Mark Ganeshi. It's the okay. most beautiful sound to anybody to hear is their own name. So I do apologize about that, mate. All good. Yeah. Now I've sent you through that email with a couple of attachments. I guess the first the way this itinerary kinda runs out is just kinda understanding what you guys are looking for, getting to know you as clients, and then show you a little bit more about us, do a little bit of the fact find, and, yeah, go through a risk profile and then book in some time to do a statement on advice. Perfect. Perfect. Now I understand that. Just from reading the notes, you you you've got a coworker, Maddie, that that is a client about already? Or What's that? Sorry? Yeah. sorry. Can you can you hear me correctly? Or is it a It's little just bit softer? a little bit muffled. Little bit muffled? Alright. Give Yeah. me one second. I've got my headphones in. So let me Perfect. try this. One second. Let's try and make this a little bit better for you. Alright. What about now? Yeah. I think that's a bit better. That's a bit better? Alright. I'll speak Yes. a little bit louder. I'll start yelling now. Hope for the best. Perfect. Yeah. So I I believe you've got a we've already got a client on board that you work with, Maddie. Is that correct? Or That's correct. And he's named Elliot. Elliot.","start_word":86,"end_word":374,"sentiment":"neutral","sentiment_score":0.046890209367737225},{"text":"Okay. Perfect.","start_word":375,"end_word":376,"sentiment":"positive","sentiment_score":0.4364565312862396},{"text":"Do you know who the adviser is, Elliot? Or I could ask him. Yeah. No. That's okay. I was just interested, to be honest. But yeah.","start_word":377,"end_word":402,"sentiment":"neutral","sentiment_score":0.1166784092783928},{"text":"I'm glad that we've done a good enough service to be able to, you know, refer clients just like your cell server. So Yeah. Definitely. amazing.","start_word":403,"end_word":428,"sentiment":"positive","sentiment_score":0.566852867603302},{"text":"So yeah. Look. I I just from reading the notes, it looks like you're interest interested in insurances. But, yeah, give give me a little bit of a breakdown on what Thank you're looking for. you. I I was actually because I listened to a few financial podcasts. I Mhmm. listened to Victoria Devine and Yep. who's the other one? Money Money Money? Forgot Okay. his name. And they they recommend Sky Sky Wealth. But on speaking to Elliot, I heard about you guys, and he said you didn't even charge, like, a fee. They charge, like, a $450 fee Yes. to have Yes. a look at yeah. Sorry. We've got two little kids here. That's what I like with a five year old, so I completely understand. Yeah. And I I thought I'd I'd give you guys a go and see how we go from there. Cheers. Yeah. No. That's alright. Well, yeah, that's that's absolutely right. So we I'll walk you through a bit of our financial services guide and, I guess, overview services guide to show you our process, our fees, and all those bits and pieces, and go through Yep. go through everything from there. Yeah. It's it's we to to answer your question, yeah, in terms of superannuation or insurance reviews, we don't charge anything because the insurance company pays us. So why would we charge you? You know what Yeah. I mean?","start_word":429,"end_word":666,"sentiment":"neutral","sentiment_score":0.05633298680186272},{"text":"But That's and fantastic.","start_word":667,"end_word":670,"sentiment":"positive","sentiment_score":0.5238316655158997},{"text":"all yeah. So we try and So make it even as settled. if we do go with insurance through our own supers, they still give you money? No. Well, we run our own Australian financial services license. So we essentially can we've got no one above us to tell us what to do or what products to recommend, and that just gives us a lot of freedom. So to answer your question, yes, we can write insurance to get your super to pay for it, but could be a retail policy. It could be a group policy.","start_word":671,"end_word":767,"sentiment":"neutral","sentiment_score":0.05359797748093752},{"text":"I don't really like group policies because, you know, insurances are these things that you pay all this money for, and the best outcome is nothing happens.","start_word":768,"end_word":794,"sentiment":"negative","sentiment_score":-0.40072792768478394},{"text":"Right?","start_word":795,"end_word":795,"sentiment":"neutral","sentiment_score":-0.24249203503131864},{"text":"But if nothing happens, you paid all this money, and you don't get a refund of all the premiums you paid your whole life. So it's a horrible financial decision.","start_word":796,"end_word":825,"sentiment":"negative","sentiment_score":-0.6188079118728638},{"text":"Yep. But, you know, if something does happen, then you wanna make sure that you're covered and you wanna make sure that you're covered Yep. for enough. That's correct. Right? Yeah. And I want you them wanna make definitely individualized. exactly. Yeah. Personalized retail, you know, comprehensive cover. And what I mean by comprehensive is I just saw from the notes that you've got q super. Is that correct? Or Yeah. I I do have q $2. okay. So q super usually comes with comes with insurances, life, total, permanent disability, and income protection. So when you're looking at both insurances, I'm gonna I'm I'm can almost guarantee the answer is gonna be no. But have you did they call you do you super call you up at any point in time and, you know, ask you any health questions or None. yeah. Yeah. Correct. So that's called group cover. And what we what we see in group cover is every Superfund trustee essentially have an obligation to provide you with some sort of default cover. But Yep. Yep. the problem is they ask questions after the event of the code. And depending on the event, it might be a bit difficult to ask a question. Yes. Right. Yeah. So it makes it what what we like to recommend is what's called comprehensive retail cover, and that What's goes through, the sorry. What was the name of it? sorry, retail underwritten cover. So it Okay. could be any product. We can recommend any product on the planet. It doesn't bother us because we run our own license. So it could be, you know, one of the big plays international like MetLife or Zurich, or could be one of the larger larger insurers in Australia, which is SayTal, t a l, big green three letters. You've probably seen them around, but Yep. that's done for this Australian Life. So there's lots of different products. It really comes down to us researching what's best for you. Yep. Okay? So, I mean, is it is it does that answer your question? Or Yeah. Definitely.","start_word":826,"end_word":1176,"sentiment":"neutral","sentiment_score":0.050166515071618976},{"text":"Yep. beautiful. Beautiful.","start_word":1177,"end_word":1179,"sentiment":"positive","sentiment_score":0.5187188386917114},{"text":"Brandon, did you have any questions? Or were you kind of both just looking at insurances? Or Yeah. yep. Okay. Cool. Well, I guess the best probably the best next step is going through a bit of our services and, you know, looking up the financial services guide and giving you a rundown of us. Yes.","start_word":1180,"end_word":1235,"sentiment":"neutral","sentiment_score":0.1274649053812027},{"text":"Beautiful.","start_word":1236,"end_word":1236,"sentiment":"positive","sentiment_score":0.48027172684669495},{"text":"The reason why I also bring up that q super is because when you're looking at insurances and we get comprehensive cover and apply for what what you need in line with your needs analysis, It You just said it's Do you mind? Sorry. Sure. Brandon No. will That's give alright. me the That's key. alright. And I I can do the talking because I I do most of the financial stuff anyway. No. That's alright. That's completely fine. I've not closed the door. I've got a beautiful partner with fiancee. She'll say that. Look after little records. But, yeah, we're very much the same. He's Teamwork. out there only two and nine months, so they're very loud. Oh, wow.","start_word":1237,"end_word":1356,"sentiment":"neutral","sentiment_score":0.06282436102628708},{"text":"Oh, it gets worse.","start_word":1357,"end_word":1360,"sentiment":"negative","sentiment_score":-0.40040263533592224},{"text":"I'm sorry. Yeah. So if they can can be stopped, then they start misbehaving in school or any kind of breaks breaks breaks things down, it gets things get a little bit harder, but, you know, you love them nonetheless.","start_word":1361,"end_word":1400,"sentiment":"neutral","sentiment_score":0.027894488908350463},{"text":"Yeah. That's exactly right. That's good.","start_word":1401,"end_word":1406,"sentiment":"positive","sentiment_score":0.6199295520782471},{"text":"So I just wanna touch on those insurances again. And the reason why I brought up superannuation is because you essentially have that just given to you cover within your insurances. Life life is pretty self explanatory. If you're kinda dead, you're dead. Yes. It's bad as that's hard. So that will always kinda get paid off. But what I was saying before is, you know, just to reiterate, it's being insured is a very kinda very balanced kind of thing. Because if you don't claim on it, then you don't get a refund of all the premiums paid your whole life. So it's really important that if you are paying premiums for it, then you wanna make sure that you're covered for enough because being over insured is just as bad as being under insured. K? Sorry. Because What that what did you say again? So if you if so so with insurances, it's very Yeah. much a balancing act between Yeah. look searching for your retirement outcome, but at the same time protecting you along the way in case something were to go wrong. K? Yeah. So that's one Sure. and, essentially, you're paying some other bloke of premium to cover your needs because you can't cover it yourself. Yes. That's that's all about some insurances. So just and what I was saying before is, you know, if you don't claim on your insurance policy, whether that be inside your Superfund and q super that you don't need you're not too sure on if it meets your needs or not, or it's fully comprehensive underwritten insurance cover to that will get you paid. Essentially, if something goes wrong, you wanna make sure that it's enough and you're paying for enough. Okay? Yep. And because being over insured is just as bad as being under insured. Yep.","start_word":1407,"end_word":1714,"sentiment":"neutral","sentiment_score":0.023758171126246452},{"text":"So if you're over insured, you're paying two higher premiums for cover that you don't need.","start_word":1715,"end_word":1730,"sentiment":"negative","sentiment_score":-0.5011097192764282},{"text":"Let's say your needs analysis is a million dollars, just for numbers sake, for life and total burden of disability. Yes. Then if you're covered for what $2,000,000 worth of cover, then what's the point on the extra million?","start_word":1731,"end_word":1769,"sentiment":"neutral","sentiment_score":-0.12429196387529372},{"text":"Because you're paying a lot of premiums for that extra million. So it's just dead money. And if you don't claim on it, then, you know, it's it's Taking which debt is of more money.","start_word":1770,"end_word":1804,"sentiment":"negative","sentiment_score":-0.42464154958724976},{"text":"like yeah.","start_word":1805,"end_word":1806,"sentiment":"neutral","sentiment_score":-0.27496206760406494},{"text":"It's even dead money.","start_word":1807,"end_word":1810,"sentiment":"negative","sentiment_score":-0.42065685987472534},{"text":"So if you are paying for insurance cover, then you wanna make sure that you're covered. But like I said, it's really important that you make sure that you're covered for enough.","start_word":1811,"end_word":1842,"sentiment":"neutral","sentiment_score":-0.15572932362556458},{"text":"It was just as bad as being over insured and paying two higher premiums, the cover you don't really need. If you're under it's just as bad as being underinsured.","start_word":1843,"end_word":1872,"sentiment":"negative","sentiment_score":-0.554025411605835},{"text":"K?","start_word":1873,"end_word":1873,"sentiment":"neutral","sentiment_score":-0.12530535459518433},{"text":"So if you're underinsured, you're essentially you know, you if you're underinsured, you're paying all these premiums for cover that doesn't meet your needs.","start_word":1874,"end_word":1897,"sentiment":"negative","sentiment_score":-0.37283021211624146},{"text":"So if there's something where to go wrong, then you're you're not gonna leave your partner or your family with with adequate, you know, cover to to pay everything out or suit the lifestyle that they they need to live. You know? There's we and we calculate that. We work out we work out your needs analysis for each of you. Yes. Okay? Does does that kinda make sense? Or Yes.","start_word":1898,"end_word":1968,"sentiment":"neutral","sentiment_score":-0.17112210392951965},{"text":"Beautiful.","start_word":1969,"end_word":1969,"sentiment":"positive","sentiment_score":0.4747692346572876},{"text":"And how's everything sounding so far? There's different types of insurances that I can touch on as well if you wanted me to. I know the different types. There's, like, total total Mhmm. death income and trauma. Correct. If yeah. That's exactly right. So for life insurances, it's pretty much split into those four. So life insurance, total permanent disability insurance, and income protection can Yes. be structured within a superannuation environment. Even if you got a policy outside of that super fund, you can still get a super fund to pay for that. So Yes. it's tax Yes. effective, and it doesn't come out of your back pocket. But with trauma insurance, you especially with young kids, you can get linked on child trauma, which covers any sort of traumatic events, any sort of sickness. You can get a lump sum payment, and it's not that much more expensive. But that whole trauma policy or critical illness, you have to pay for that out of your back pocket because of ownership Yes. rules. Okay? So were you looking at something like that, a full comprehensive policy covering all of your whole family and including trauma, or were you just kinda looking for something that's based inside your superannuation fund? I think the trauma one would be good outside Okay. to to include the kids. Yeah.","start_word":1970,"end_word":2195,"sentiment":"neutral","sentiment_score":0.12095925066850882},{"text":"Absolutely. Absolutely.","start_word":2196,"end_word":2197,"sentiment":"positive","sentiment_score":0.3766361474990845},{"text":"Definitely got a few claims on that, and it's it's definitely something that is worthwhile having at least for the beginning stages while, you know, fragile children are still very fragile. Yep. And what would be things that you would be can I ask, like, what sort of things you would be claiming for with Yeah. that? So what's trauma insurance? Yeah. Yes. So we call them the big three. And the big three are essentially cardiovascular disease, so heart attacks, any sort of cardiovascular issue, illness, or injury. Then you've got cancers. So any sort of cancer, benign or malignant. And then you've also got then you've also got strokes or any sort of TIA or brain hemorrhaging. Those are a lot of the time, those are the main big three that we claim on. But any sort of but, essentially, it comes down to any sort of critical illness as a whole. Yes. Okay? So it's, you know, if there's any sort of if you if you were to have some sort of, you know, benign cancer just for yourself, let's say. Right? Yep. And you got a little melanoma spot, but it's not malignant. It's not growing. It's just been there for a while, and you wanna get caught up. You can get, you know, pass partial payments of trauma. You can get payments for any sort of a a child illness. Anything Any that any sort of child illness. yeah. That that essentially affects the the lifestyle, if that makes sense. So, you know, if it a long time, you could have some sort of, like, autoimmune disease Yes. or any sort of significant sickness. You would have a what we call a rider policy that rides Yes. on your trauma policy because, essentially, children you can't have any trauma policy under the age of 18. But to cover your kids or any sort of, you know, an issue or critical illness like that, then you can just add it onto your policy as a policyholder, and they're covered as well. It's Yes. like an extra $5 a month or something like that. Okay. Yep. Yeah. Okay. Does that answer your question? Or Yeah. That that does.","start_word":2198,"end_word":2568,"sentiment":"neutral","sentiment_score":0.009605789574671468},{"text":"Yeah. Beautiful.","start_word":2569,"end_word":2570,"sentiment":"positive","sentiment_score":0.45298466086387634},{"text":"Now so that that covers the insurances, and we can we can have a look at getting the super paying for at least three of the four of them. Yeah. Or, sorry, should I say at most of the three or four of them.","start_word":2571,"end_word":2614,"sentiment":"neutral","sentiment_score":0.13998916745185852},{"text":"And I'm happy to work that up, work out your needs analysis.","start_word":2615,"end_word":2626,"sentiment":"positive","sentiment_score":0.4047943949699402},{"text":"I'll have to go through a fact find after we go through this. But is that is that all you're kind of looking at at the moment or just insurance recommendation? Just at Okay. the moment, yeah. Once we get a little bit more financially stable, yeah, we would look into, like, doing some Yep. other stuff because we are wanting to get some investment properties. We just gotta work out a bit of debt first. Just got a a car loan and and that. So we wanna pay them off before we can look further into that. Okay. No. That's right. Well, I think this is probably good segue to talk about kind of our our strategy, our structure, our process. So if you can go on to the email that I sent you just confirming this initial consultation, there should be a couple of attachments there. Let me have a look. I think it sends it both to you, and it's branded with an a. I'll show you. Sorry. When did you send it? Okay. Let me just bring it up from my end, and I'll make sure there we go. Oh, here So we go. yeah. So that's if you wanted to put a page in the name, that's that's a that's a very airbrushed picture of myself. I'm a lot more I've got a lot more city miles on me than that. But, yeah, the first so the first attachment is the 2026 Oakview services guide version I two. will maybe open the attachment. I'm sorry? Is this the email that you sent on Wednesday? No. I sent it today. Oh, today. Sorry. No. I think it I sent it straight from my personal email. Well, my Chevy@opp email, and I sent that about an hour ago. Ten past Okay. four. Hold That's madison_o8@homel.com. on. Oh, sorry. It went to my junk. No. Of course. That's alright. If if it didn't come from the info or something There along we those go. lines. It's not Yeah. junk. There you go. So like I said, at the at the bottom, you'll there's a if you wanna put a page of the name, like I said, it's very airbrushed. You'll probably see another picture of me there. But, yeah, if you open up that first Yep. attachment, that's the 2026 OP services guide. I'll just give you a little bit of a breakdown on kind of the process, what we look at, how we do it.","start_word":2627,"end_word":3044,"sentiment":"neutral","sentiment_score":0.05377382727152708},{"text":"I've been fortunate enough to do this for long enough. It feels like a lifetime now. But, yeah, if you I've I've been able to see this process work, which is really helpful and really beneficial, especially when you see it in, yeah, different different areas and different arenas of finance around the world.","start_word":3045,"end_word":3098,"sentiment":"positive","sentiment_score":0.4031754434108734},{"text":"Okay. And it's so cold. So can have you got that open? Yep. Yep.","start_word":3099,"end_word":3112,"sentiment":"neutral","sentiment_score":-0.05351891741156578},{"text":"Beautiful.","start_word":3113,"end_word":3113,"sentiment":"positive","sentiment_score":0.430456668138504},{"text":"I think my VPN is restricting me from downloading it. So give me one second while it's it's annoying. Disconnects.","start_word":3114,"end_word":3133,"sentiment":"negative","sentiment_score":-0.5301421880722046},{"text":"Sorry. It's amazing when technology works, but when Oh, yeah. it's the size of our work, it's yeah. We we really need it. Definitely. There we go. Alright. So I just disconnected. So that first page you're looking at should be the OQ should say OQ Financial, OQ Services Guide, ABN, where where our address is, and a picture of the Gold Coast. Can you see Yes. that?","start_word":3134,"end_word":3201,"sentiment":"neutral","sentiment_score":0.030897939577698708},{"text":"Beautiful.","start_word":3202,"end_word":3202,"sentiment":"positive","sentiment_score":0.5654796361923218},{"text":"So a little bit of background on the next page of OP as a whole, myself and my business partner, Bart. We we started this up with a whole bunch of venture capital in a garage in Pimpama on the Gold Coast a long time ago. And, yeah, with the hopes and dreams, and somehow it worked. And we've been building it since there, but, essentially, we wanted to start. This was right at the Royal Commission. Do you remember do you know anything about the 2017 Haines Royal Commission into banking and finance? Or No. okay. So in 2017, there was this massive Royal Commission that went into banking and finance, and rightfully so, because they found that there was a lot of a lot of financial planners, asset managers, brokers, you know, insurance dealers, even form brokers. Everything got to do with banking and finance. Pretty much all of the big plays were doing doing wrong things. Oh, That that's makes sense. crazy. Some you looked at, you know, deceased estates by over twenty years still being charged fees, extortionate fees. You're talking, you know, $1,020,000 dollars a year without telling the or holding on to insurance payments that the family should have received, but, you know, insurance brokers were just holding on to the insurance payments without telling the family and just securing Oh, wow. interest on it. Yeah. Things like that. Really, really bad, but there's a lot of there's a few of us that are trying to I'm sure there are a few of us that are trying to do the right thing.","start_word":3203,"end_word":3470,"sentiment":"neutral","sentiment_score":-0.07735783606767654},{"text":"And that's why we started our deep financial to be the provision of being the most trusted financial planning firm in Australia.","start_word":3471,"end_word":3492,"sentiment":"positive","sentiment_score":0.3918736875057221},{"text":"Because at the time, when you because of that, when you think of financial planners and asset managers alike, you you don't really trust is not the first thing that comes to mind. Right?","start_word":3493,"end_word":3526,"sentiment":"neutral","sentiment_score":-0.01093159895390272},{"text":"No. My mom thinks my mom thinks life insurance is a waste of money.","start_word":3527,"end_word":3540,"sentiment":"negative","sentiment_score":-0.7226593494415283},{"text":"Oh, I And I honest think everyone in that era does. yeah. Yeah. But, honestly, I agree with it.","start_word":3541,"end_word":3559,"sentiment":"neutral","sentiment_score":-0.24006454646587372},{"text":"It's it's a necessary evil. I I I personally dislike insurances, but I understand the purpose behind it because, you know, there's I could tell you some horror stories working in financial industry as a whole, Yes.","start_word":3560,"end_word":3596,"sentiment":"negative","sentiment_score":-0.400939017534256},{"text":"especially when it comes to life insurance. So like I said before, it's it's one of those things you pay all this money for and the best outcome is nothing happens. Yeah. Especially Okay? when you don't have it personalized. This Yeah. I'm still paying for it, but nothing there'll be so many hoops to jump through when if something did happen. well, that's the thing. So so when you got when I was talking about underwritten comprehensive assurance, if we write it, we manage that, and we review your your situation, and we review your needs analysis. And, you know, if you've got a home, we wanna cover the mortgages worth mortgages worth $750, let's say, numbers numbers wise. But then you you that's called bare bones. And if we cover that, but and we cover you for $750,000 worth of life and total permanent disability, then if in a year's time, you'd paid off, let's say, $50,000 worth of that mortgage and the property value grew by $50,000. Do you still you don't need $750,000 worth of worth of cover anymore. You only need 650,000. So the ideal situation is to be what's called self insured so that you don't have to pay somebody else a premium to cover your needs because you can cover them yourself. Yeah. Does that make sense? Or Self insured. yeah. So to be self insured means that you don't have any debts. If either of you or both of you were to pass away because of some tragic event, you know, Yep. whatever might happen, then you don't have any debts or such left to your kids, if that makes Yeah. sense. Yep. So Yep. so And I got and every year that goes on, we've obviously paid more of the the house, and it would go down. correct. And then your premium should go down as well. But if you don't get it reviewed, you're still Correct. paying a lot. Yeah. Exactly. Exactly. So that that kinda gives you that's that's part of our service ongoing and, you know, that's part of that insurance premium. That's why after the Hainville Commission, they introduced a trail commission that we get paid on for any insurance policy that we write as a whole, so as a company. And that's all the same between all insurers. So there's no kind of bias. There's just one of the cheapest and best for you and your occupation. Okay? Yes. So, yeah, I guess, going back onto that gives you a bit more of a breakdown on the insurance side of things. But, yeah, going back onto our vision and mission and why we started the company was to be the most trusted financial planning firm in Australia. And I like to think we've upheld that because now we've got a team of, you know, over 40, I think, 43 employees and, yeah, still growing. So and getting good word-of-mouth. So Yeah. that's All I the can way show inside North Queensland. Yeah. This is crazy that it just shakes up. I actually got a I spoke to a client. That's the reason why I'm speaking to you guys today is Larissa who you initially had the appointment with. She ended Yep. up having a bit of an incident over the weekend and is now at work for the rest of the week. So I opted to, you know, speak to her clients, you know, already booked in booked in things. So I guess you're gonna be fine for mine when you decide Oh, to proceed.","start_word":3597,"end_word":4195,"sentiment":"neutral","sentiment_score":0.02883164138099387},{"text":"lovely. Fantastic.","start_word":4196,"end_word":4197,"sentiment":"positive","sentiment_score":0.6173772215843201},{"text":"So, yeah, like, going on to our core values and our core mission, there's a little bit of a blur there.","start_word":4198,"end_word":4218,"sentiment":"neutral","sentiment_score":0.03370024636387825},{"text":"You're welcome to read it in your own time.","start_word":4219,"end_word":4227,"sentiment":"positive","sentiment_score":0.4105184674263001},{"text":"If you're struggling to get to sleep at some point, feel free to go through it or knock you out pretty quick. But that gives you a little bit of a breakdown of of journey and where we came from, you know, humble beginnings, if you would. But the next page is really what I wanted to kinda focus on, And that's the OP Wealth Cycle. So let me know if you're looking at that page. Yep. I'm looking. Yep.","start_word":4228,"end_word":4307,"sentiment":"neutral","sentiment_score":0.21939176321029663},{"text":"Beautiful.","start_word":4308,"end_word":4308,"sentiment":"positive","sentiment_score":0.5918078422546387},{"text":"So this is this is kind of a it's not really a process for us. It's just an overall algorithm in a way. So we it's like I said before, we I've been fortunate enough to work overseas and as a stock broker, I've been working all around the world and then coming back to boutique firms in Australia and starting this firm ourselves. I've seen this process done in many different ways in, you know, CBA, Commonwealth Bank Australia, does it in a ladder where the each step in the ladder is kinda like the next stage, if you would. There's overseas that or mutual. There was they did this process in a diamond, a a base mortgage diamond to different bases. But essentially, they're all the same thing. And we are finance nerds, so some of us names are pretty corny and nerdy, so I do apologize. Bear with me. So most of the time, clients speak to us as a seedling, kinda like in the ground. You know, they don't know which, not too sure which way is up, where the sun is. You know, you're in a dark kind of space. You don't know where to go. So no Yes. real growth plan, no strategy, no direction. So what we do is we like to set up essentially foundations, which is what I like to call the roots, Oak view, oak tree. Again, very corny, but it works. So, yeah, we set up we look at the roots, and that's your superannuation, which is essentially growing wealth for retirement. Yes. And then making sure that we review your insurances, make sure that you're covered for enough and you're not paying too much, those kind of things.","start_word":4309,"end_word":4598,"sentiment":"neutral","sentiment_score":0.06383782442787599},{"text":"So that if anything were to go wrong, then you you at least you're covered for the rest of your time and so you can access your super.","start_word":4599,"end_word":4626,"sentiment":"positive","sentiment_score":0.3958992660045624},{"text":"Yes. Okay? Yes. So that's kind of how those two go hand in hand. Outside of that, part of the roots, you know, it's kind of in the background, and you don't really you don't really you don't you know it's there, but you and it's a really important part of the whole process, but you don't really see it because you don't really touch it or access it until you need it. Right? Or until you can access it. So that comes hand in hand with the accounting and taxation, then you're doing your taxes every year. All being self employed and doing baths and all those weird and wonderful things. But looking at your situation, you know, when you're looking at your insurances, we we also kind of like to do a review of your superannuation as well. And the Yep. reason for that is because if we if we get you adequate comprehensive cover outside of, let's say, for example, your q super, Yeah. then you still if we don't review those q super insurance policies, then you will have two lots of insurances and paying way too much money for premiums that you might not claim on. Does that make sense? Yes. Or Yeah. That makes sense. so that's why we like to work out a way to look after that superannuation as well. It makes it a lot easier from during rollover point of view. But if you're just looking at insurances, we can still work out a way to get q super. We'll try our best to work out a way to get q super as a trustee, coupon trustee, to pay for external insurances, and then we can cancel the insurances inside that fund as well. Okay? Yep.","start_word":4627,"end_word":4921,"sentiment":"neutral","sentiment_score":0.06149386502170967},{"text":"Some trustees don't like it.","start_word":4922,"end_word":4926,"sentiment":"negative","sentiment_score":-0.4913787245750427},{"text":"Some trustees just say, no. Well, I get paid money on the insurances with q insure. It's the insurance company that that in that right to those insurance policies for you with QSuper. Yes. So why would they cancel get pay for insurance in somewhere else where they get less fees and they get less premiums. Yes. You know what I mean? So that's something to be considerate of and think about as well. But we'll give you a recommendation on that no matter what. And that's Yes. why I brought up the superannuation.","start_word":4927,"end_word":5020,"sentiment":"neutral","sentiment_score":-0.04102254658937454},{"text":"So that's the first step. After that, we can we we kind of once you get this the your retirement balance working harder for you for retirement and making sure that you're covered as well, then we move on to the trunk stage.","start_word":5021,"end_word":5063,"sentiment":"positive","sentiment_score":0.34790879487991333},{"text":"This is like four pillars, and this is where you're probably at at the moment where you create a relationship with your money, cash flow, and budgeting, family home, like we said before like you said, Maddie, before. Yep. You Yes. know, over over time, you your property, your primary place of residence, and your home is growing in value, Yes. but you're paying it off. So you probably don't need as much insurance in twelve months' time. Yes. Okay? So that's that's kind of where our heads are. We also wanna get rid of any bad debt. What what I mean by that is non deductible debt, like personal loans, credit cards. We can work Carlos. on those cash car loans exactly. If it's not in a if it's not for business purposes, then it's really hard to deduct. Yep. Essentially, in Australia, we pay some of the highest marginal tax rates on the planet. So it's not it's not ideal, but in saying that we are an investment haven. So, Yeah. you know, and that's what I mean by that. So one of the only countries in the world where you can deduct a 100% of the interest charged on invest on assets for investment purposes. Yeah. Okay?","start_word":5064,"end_word":5273,"sentiment":"neutral","sentiment_score":0.0711897760629654},{"text":"So that's we wanna really try and just solidify those roots and the foundations and the trunk stage so that we can get to that next stage next step up, which is diversification, which is branching out, we call it.","start_word":5274,"end_word":5313,"sentiment":"positive","sentiment_score":0.3557247817516327},{"text":"And Yep. that's when you start leveraging it into equity in your home to get investment properties using OPM. Have you ever heard the statement OPM? OPM? Or, O p m. yeah, other people's money. Oh, no. Yeah. So it's I like to yeah. It's it's called OPM in our world, other people's money.","start_word":5314,"end_word":5367,"sentiment":"neutral","sentiment_score":0.15648050606250763},{"text":"It's a great thing Yep. because if you wanna buy another property with the equity you've created in your home, you need that cash.","start_word":5368,"end_word":5391,"sentiment":"positive","sentiment_score":0.5174335837364197},{"text":"You're gonna have to sell that property to get the cash to buy the property. Right? Yep. But we're fortunate enough to not be able we'll not have to do that because we can do what's called leveraging and gearing, and you can go and borrow other people's money. Essentially, go Yes. to the bank or the institution, say, look, I've got $10,000. I wanna invest it in something, anything, property, shares, whatever it might be, bonds, gold, that, let's just say, makes 10% return in a year.","start_word":5392,"end_word":5479,"sentiment":"neutral","sentiment_score":0.2680548429489136},{"text":"On that $10,000, in one year, you make 10% return. That's a thousand dollars. And that alright. Congratulations.","start_word":5480,"end_word":5497,"sentiment":"positive","sentiment_score":0.45927929878234863},{"text":"But if you go to an institution like a bank or investment bank and you end up saying, look, I wanna borrow $90,000 to make it a $100 in total, they say, yep. Not a problem. Here's a $100. Sorry. Here's $90,000, but you owe us 5%, just for numbers sake, on interest every Seven. year. Yeah. Right? Then that means you owe that institution 9 $4,500 every year because of the interest on the $90,000. Right? Yeah. But now you've got a $100,000 or $90,000 that would be in ODM, other people's money. So now you take that a $100,000, put it in the exact same investment that makes the exact same 10% in that exact same year you've made, you know, essentially $10,000. You pay back the 4,500 in interest, which is also deductible. You're left just on face value with $5,500.","start_word":5498,"end_word":5641,"sentiment":"neutral","sentiment_score":0.08512201327054451},{"text":"So you've just done a 55% return in one year by utilizing that strategy.","start_word":5642,"end_word":5655,"sentiment":"positive","sentiment_score":0.3759078979492187},{"text":"What's that code? That's called my that's called gearing and leveraging. It's it's essentially getting investment properly if you want. Because if you leverage against your primary place of evidence, you can do that. But if you wanted to get technical, it's called leveraging theory. You're right. I've Yeah. never heard Does does that kinda make sense? Or yeah. That's that's a bit confusing, but, yeah, it does make sense. And I have Yeah. heard a little bit of it on that money money money podcast, but, yeah, that's very selfish. Yeah. But So we're not I there hope yet, so we've Yeah. I've Yeah. got a bit of time to study on that one. Yeah. Yeah. But and please do. It's it's a very important part of this. Yeah. You know, money makes money. So, you know, if you if you think about it from a very foundational level of a whole system, you know, where where an interest rate. So do you guys have your own home? Or Yeah. We are. Yep. okay.","start_word":5656,"end_word":5830,"sentiment":"neutral","sentiment_score":0.02411961369216442},{"text":"Perfect.","start_word":5831,"end_word":5831,"sentiment":"positive","sentiment_score":0.42261630296707153},{"text":"And how much is the value in the loan on that property? The we owe Yep. 490,000. 490,000. Amazing. And what do you think the value is worth at the moment? Well, I reckon we've done a bit of we've done some reno's on the garden and one bath one of the bathrooms. So Yep. and I reckon it's gone up a bit. So I think we last got evaluated at 07:50. Okay. Okay. 07:50. And you're up in Cairns, Funnel Queensland. Correct? Yeah.","start_word":5832,"end_word":5915,"sentiment":"neutral","sentiment_score":0.08621860295534134},{"text":"Beautiful.","start_word":5916,"end_word":5916,"sentiment":"positive","sentiment_score":0.4242721199989319},{"text":"Is it getting hotter yet? Or No.","start_word":5917,"end_word":5923,"sentiment":"neutral","sentiment_score":0.05854068696498871},{"text":"It's with midwinter, so it's lovely. yeah. It's perfect It's timing. perfect I used to work.","start_word":5924,"end_word":5939,"sentiment":"positive","sentiment_score":0.519119918346405},{"text":"weather now. Like, jacket in the morning, and now I'm in just in, like, a crop top and shorts.","start_word":5940,"end_word":5958,"sentiment":"neutral","sentiment_score":0.20333245396614075},{"text":"Amazing.","start_word":5959,"end_word":5959,"sentiment":"positive","sentiment_score":0.6372597813606262},{"text":"Yeah. Yeah. I didn't make it quite that far, but when I was at uni studying exactly what we're doing now, I used to fly to Airlie Beach and then I'm on the bus. I used to be somewhat nautical. When I was at uni, Oh, I was how on university nice. job. We Yeah.","start_word":5960,"end_word":6014,"sentiment":"neutral","sentiment_score":0.07095222920179367},{"text":"It was we love Ellie. We often beautiful. go down there camping.","start_word":6015,"end_word":6026,"sentiment":"positive","sentiment_score":0.4881353974342346},{"text":"Yeah. It's it's the drinking time of the sailing problem. Right? Yeah. But anyway, it's yeah. It's I've got a few friends that have met over there that are from you know, Port Douglas, Yeah. places like that, and it's just around the corner. That's okay. And, yeah, all I hear is how hard it is. So God.","start_word":6027,"end_word":6084,"sentiment":"neutral","sentiment_score":0.04632270336151123},{"text":"It's lovely.","start_word":6085,"end_word":6086,"sentiment":"positive","sentiment_score":0.3341178596019745},{"text":"yeah. But, yeah, essentially, looking at the you you can look at what's called LDR, loan to value ratio, and the equity in your house with us growing over 80%. Because then you initiate what's called LMI, loan mortgage insurance. But like you said, we can get to that stage. But essentially, from there, you know, if you do this process right, we we get about about ten to fifteen years, twelve years I've seen from from Yep. a client with no property and I think it was $40,000 worth of savings. So in twelve years, been completely fully self sufficiently retired. Wow. That's crazy. Yeah. Yeah. It's it's pretty amazing when you when you do it long enough to actually see it work.","start_word":6087,"end_word":6210,"sentiment":"neutral","sentiment_score":0.09321001172065736},{"text":"So Yep. it's an incredible thing.","start_word":6211,"end_word":6216,"sentiment":"positive","sentiment_score":0.4516473412513733},{"text":"But, yeah, after that, you know, you you get to a stage where you wanna we call it blooming, but you wanna hang up your boots. You call it there. You start leveraging. You borrow money, borrow money, and do the same strategy with the $10 and OPM I've said before, but you do it for other reasons. You'd get a factory for commercial rental or you get a, you know, investment properties, a shared portfolio. You can start building that wealth up without actually crystallizing on any of those assets all the way up until your the yield and the income from the increase in the rent over time and, you know, the the portfolio growth in your shares, start paying more Yes. dividends, you can essentially Thank you. you can essentially be, you know, fully self sufficient to have seen it happen in twelve years. Twelve years. But, you know, Well, it's really we're probably shit. That's we're it. we're probably a few years behind that having $60 debt in the car. Okay. So $60 dead in the car. You're giving me back to this car. So and it I I was a you hide had it. it? I hide having dead in a car. Okay. No. That's alright. Well, let's talk about the car. What kind of what kind of car is it? And what what do you so you owe $60 on it? Or I think it was about that. I think it was 57. Yeah. And it's a a Toyota Hilux, but it's yep. our family car. We go camping in it. It it does Thank do you. us good, Yep. And what And what it's the do only you think? car we have. No. That's right. I used to have my my previous car was the Hilux Rogue.","start_word":6217,"end_word":6520,"sentiment":"neutral","sentiment_score":0.016682364337611943},{"text":"And, honestly, I love that thing.","start_word":6521,"end_word":6526,"sentiment":"positive","sentiment_score":0.35012689232826233},{"text":"It was Yeah.","start_word":6527,"end_word":6529,"sentiment":"neutral","sentiment_score":0.28811824321746826},{"text":"just amazing. It took you everywhere and never broke. It was perfect.","start_word":6530,"end_word":6541,"sentiment":"positive","sentiment_score":0.5144789814949036},{"text":"Exactly. But so with that Toyota Hilux, what do you think the value is if you were to sell it on the market, secondary market right now? What do you think it's worth? My partner said 65. You say 65? Beautiful. Is Brandon still there? Would you say 65 too? Yeah. I think that's what he said. Or Friendly okay. Car Warehouse, you reckon if we sold it, 65. Yes. Yes. Yep. Yep.","start_word":6542,"end_word":6614,"sentiment":"neutral","sentiment_score":0.022702778447164246},{"text":"Beautiful.","start_word":6615,"end_word":6615,"sentiment":"positive","sentiment_score":0.6610770225524902},{"text":"So the Hilux and you've got that primary place of residence. How much are the repayments on that per month? Or Of the house or the car? Both. Yes. I was talking about Both. the car Yes. first. The car, Mhmm. we pay what was the car, Brandon? 300 a week. $303 a week. 300 K. and $3 per week.","start_word":6616,"end_word":6675,"sentiment":"neutral","sentiment_score":0.0501595064997673},{"text":"Beautiful.","start_word":6676,"end_word":6676,"sentiment":"positive","sentiment_score":0.45557183027267456},{"text":"And what are your payments on your property? Do you know what the interest rate is? Or It it's 06:00. I should know this because I was gonna call our mortgage broker off Mhmm. because I wanna have a look at it because he said once I'm back from maternity leave, we can do a few things with it. Correct. But That's why I'm asking. it was because I was having babies that we couldn't No. That's not. Baby so we paid dump. $8,815. $8,814 a week for that one, and that's at 6.39. Yep. 6.39%. Beautiful. And what's your address? I think Maddie might have wrote it down in our CRM, but I'm not 4 too 8 9 Valley Street, four eight nine and how do I spell that? V A R L E Y. Holly Street, beautiful suburb. Yorkie Knob. Pulte Pub.","start_word":6677,"end_word":6820,"sentiment":"neutral","sentiment_score":-0.014747994020581244},{"text":"Beautiful. Amazing.","start_word":6821,"end_word":6822,"sentiment":"positive","sentiment_score":0.5107434988021851},{"text":"Okay. And, yeah, just going back onto the what your mortgage broker said, you've essentially got $250,000 worth of equity in your home at the moment. Two handed. Yeah. So so you don't really if it's worth 750,000, you don't want to kind of leverage more than 80% of the value of the property because then you initiate loan mortgage insurance, which means your Yeah. payments go up. K? Yeah. So if I take 750,000, I'm gonna put 0.8. So that's 600,000 and a minus the $4.90. So you should have, just number wise, depending on, obviously, your occupations and your roles, you should have about a $110,000 worth of leeway that Yep. you could essentially refinance and consolidate that that car loan into that mortgage without initiating LMI. It does increase your mortgage and will increase your repayment a little bit, but I'm I can almost guarantee that it will not be increase your payments more than the 303 per week you're paying at the moment. But wouldn't we be paying more interest over time? No. Not particularly because the interest that you're paying on your Toyota Harlock is, Yep. I would assume, somewhere around the 10 to 12% or seven to 10%, somewhere like that. Or That's a good question. Brenda, what's the interest on the car? Is it none? I think it's nine. Okay. You just wanna say 9%? I think. So if you're looking at increase have you refinance and you were able to do it, I don't know. I'm not too sure. And so we do all the numbers, but if you were to re if you were to consolidate that debt into the mortgage, you essentially, you're right. You do pay more interest over time. But if you'd look doing apples for apples over a three or five year term, whatever your loan is for your car, you're paying significantly less on that same $57,000 worth of loan over that five years than you are at the moment. And it opens up your cash flow.","start_word":6823,"end_word":7163,"sentiment":"neutral","sentiment_score":-0.041062810772325285},{"text":"So if you're really concerned about it, they should You say could then you could even invest you $200 a fucking week.","start_word":7164,"end_word":7185,"sentiment":"negative","sentiment_score":-0.3581661880016327},{"text":"Yeah. That makes offset. so much sense. Exactly. Yeah. You can off you can offset the interest charge by utilizing an offset account. Do you have an offset account on your primary place of residence? We don't, and that's what I wanted to set up because we also do my mom helped us get this house. So we owe her $40, which I have started saving $3.50 a fortnight for. So that would pay her over I think it's about four years. And I wanted to put that in she's happy for us to put that in our offset account. So you So do that's happen where to the offset account? Or no. We don't. But I was gonna start one when I went and spoke with the mortgage broker. Yeah. Okay. So I would definitely be looking at that Yes. because that that money, that $350 a week or fortnight, you said, Yes. was it a week or a fortnight? Fortnight. So that $350 a fortnight is gonna work a lot harder for you and Brendan. Brandon, should I say? Is Yeah. it Brendan? Yeah. Brendan. Brandon. Right? Yeah. Brendan. Yeah. So that'll work a lot harder for yourself and Brendan. Sitting in offset and offsetting that interest charge of, you know, 6.39% than sitting in a cash bank account that is getting the cash rate less fees, less inflation, which is about the cash rate at the moment anyway. So you're going you're losing you're you're losing value on every dollar you hold in cash. Yeah. Correct. That's why I did wanna set that up. And we also save about 250 a fortnight for holidays, so that would be in another offset if we could. Yep. Yep. And there's lots of different products out there that your mortgage broker will be able to discuss with you regarding different linking accounts. If that's a product that you're interested in to Yes. link up a whole bunch of different accounts to one one loan, you can definitely get products out there on the market that do that.","start_word":7186,"end_word":7532,"sentiment":"neutral","sentiment_score":-0.001364746820772072},{"text":"Lovely. Beautiful. Amazing.","start_word":7533,"end_word":7535,"sentiment":"positive","sentiment_score":0.6469218730926514},{"text":"So, yeah, that's definitely something that you should get onto sooner rather than later, Is preferably. that something you would do with the car? I just didn't think that would be a good idea because it is a depreciating value, and you're putting it on your house, which Is it appreciated in value? yeah. Yeah. It's So absolutely, it's a good idea. And I and I'm I was thinking, like, if we wanted to take the equity and buy another property, it would be better if we didn't have it on the house. Well, you're gonna have to take that off of your services called Serviceability. You're gonna have to take that loan of, what, 57,000 Yes. off your Serviceability. So if Yep. you have it it's gonna be better financially. Just I don't know a 100% because I Yep. lost I haven't done the numbers yet. So, you know, just keep that in mind. But just by doing this for a while and, you know, looking at your situation, I would assume that it's it's gonna be by five that same five or four year term of a car loan. It can be a lot more a lot more beneficial for you to consolidate all that debt into a non into a appreciating asset, not a deep appreciating asset, that's Yes. almost half the interest rates on the same dollars that you're paying, and it's actually in something that's growing in value instead of a nondeductible interest charge that you're paying on an asset that depreciate in Yep. Okay. value. That makes Okay? the sense. Yeah. So that's something you should definitely look at. But once you kinda get in on top of that and you start, then you will essentially not have enough to put down as a refinance to equity release and then purchase investment property. But at least it gives you an idea of how quickly you can pay loans off. And we can do all those numbers and give you recommendations on that as well. Yeah. Okay? So this is kind of how we build a relationship and, you know, stay stay working with clients all the way up until they call it a day. And we still carry on cracking up, I guess. But that that does that kinda give you an idea of the whole diversification branch, not using other people's money and kind of looking at smarter ways to to make your money work harder for you. Yep. Definitely. Yep.","start_word":7536,"end_word":7953,"sentiment":"neutral","sentiment_score":0.0983521999818001},{"text":"Perfect.","start_word":7954,"end_word":7954,"sentiment":"positive","sentiment_score":0.4367855191230774},{"text":"I mean, all systems based on you know, that that mortgage that you're paying 6.39 on for your home, you borrowed that from a bank. Right? Yeah. And that bank borrowed that from the Federal Reserve, and they've gotta pay that back at a at a another interest rate, which is called the cash rate. So it was Mhmm. just 4.35 at the moment. So, you know, it's the money that you borrowed from the bank, they borrowed themselves. So that's Yep. kinda the Yeah. chain Yeah. along the way. But, essentially, after that, once you once we get you to the position of your goals and objective, which I'll confirm in a bit, but then we start looking at really wonderful ways to crystallize on those assets and not pay anywhere near as much tax as you Okay. you should. And that's that's things like cost structure, social security strategy, self managed super funds or something as well.","start_word":7955,"end_word":8113,"sentiment":"neutral","sentiment_score":0.15153249657753878},{"text":"Key to us, and then you can call it a day and retire and file.","start_word":8114,"end_word":8128,"sentiment":"positive","sentiment_score":0.37337726354599},{"text":"And look at intergenerational wealth, which is what we call ceding. And then the loop starts again for your kids. Yeah. So does that does that kinda make sense in terms of the whole world cycle thing? Yeah. Definitely.","start_word":8129,"end_word":8167,"sentiment":"neutral","sentiment_score":0.1989959329366684},{"text":"Yeah. Perfect. Amazing.","start_word":8168,"end_word":8170,"sentiment":"positive","sentiment_score":0.5898188352584839},{"text":"But we'd all start with looking at those insurances. And then, you know, after we do that, if it's appropriate, we'd look at those superannuation, give you a recommendation on that as well if you wanted to. Yep. Yep.","start_word":8171,"end_word":8209,"sentiment":"neutral","sentiment_score":0.20550572872161865},{"text":"Amazing.","start_word":8210,"end_word":8210,"sentiment":"positive","sentiment_score":0.5003578066825867},{"text":"Next couple pages is pretty much our story between myself and my business partner on number four of page five, I think, but page four. Meet our experienced team, that's myself, Severiano Zaza, and Sebi's other, but, you know, Sebi's a lot easier. I didn't have a choice in the matter. It just came up.","start_word":8211,"end_word":8265,"sentiment":"neutral","sentiment_score":0.1354881078004837},{"text":"Yes. What they gave me, my credentials, and a little bit of a blurb about how awesome they are. Feel free to leave me your own time.","start_word":8266,"end_word":8292,"sentiment":"positive","sentiment_score":0.4588023126125336},{"text":"My business partner, and the rest of our experienced team. And at the end of the document, there's a little bit more about Occhio Australia, which is just a link between, you know, financial planning, mortgage broker, you know, lending services, and accounting.","start_word":8293,"end_word":8335,"sentiment":"neutral","sentiment_score":0.19191086292266848},{"text":"So there's nothing worse than recommending client server to somebody else that, you know, doesn't they drop the ball or don't service you as a client in their own, you know, in their own expertise? It just looks bad on me.","start_word":8336,"end_word":8376,"sentiment":"negative","sentiment_score":-0.4055304527282715},{"text":"Right? Yes. So so that's why we create I work with a close knit network. So if we speak to your mortgage broker, I would I would want them to be a part of this nice little network They remain. But that's a little bit more about us. And looking at the file, the last thing I need to go through is the financial services guide, and they will just gather some further information about you, and then we're done. K? Yes. Last name?","start_word":8377,"end_word":8460,"sentiment":"neutral","sentiment_score":0.0984882041811943},{"text":"Amazing.","start_word":8461,"end_word":8461,"sentiment":"positive","sentiment_score":0.453205943107605},{"text":"So the second document in that email that I sent out is the Oakview financial services guide. Now this is a little bit more about fees and everything else. Yes. And this is mostly the compliance, so I'll try and get through it as quick as possible. But, essentially, this is us, IP Financial, all the same details as before. The purpose of this FSG on the next page, are you looking at we'll go through each step. So number one, number two, number three. Yes. Are you look are you on that page yet? Or Yes. amazing. So the purpose of this FSG is just to make sure that you know that I'm authorized or we are authorized to give personalized financial advice. How we're paid, any sort of conflicts, and what to do if I run away with your money, essentially. So we, as IP Financial, who we are, we essentially run our own Australian financial services license, which means that we are we don't have anyone above us other than the Australian Securities and Investment Commission and the federal government that tells us what to do. So, usually, you know have you ever looked into, you know, Sky let's say Sky Wealth you were talking about? Was that was that the firm that you're talking about before Yeah. for It the was. I have not looked into it. No. okay. So Sky Financial, they are based on the Gold Coast Financial Advisors. We just do a quick Google search. So Sky Financial Advisors look. Yep. So they're essentially if I just grab their their website and I come down underneath to the bottom of their page on their disclaimer, they essentially what Link Wealth Group Proprietary Limited trading as Sky Advisors is an authorized representative of Acumen Financial Plan. Right? So so that Sky Financial or Sky Advisors, they are working as what's called an authorized representative of an AFSO, an Australian Financial Services license. We at OJU run our own license. So we don't Yep. have we don't have somebody like Acumen, for example, financial planning about us, telling us what products we need to recommend or, you know, anything like that.","start_word":8462,"end_word":8827,"sentiment":"neutral","sentiment_score":0.0480812132724973},{"text":"We've got the freedom to we got awarded that. ASIC awarded us with our own financial license, which the likes of the big banks and insurance companies have. So we can we can pretty much get advice on a lot across the entire scope. It doesn't bother us. So that gives you an idea of making sure that we look for the right product for our clients.","start_word":8828,"end_word":8894,"sentiment":"positive","sentiment_score":0.43979912996292114},{"text":"And our Australian Financial Services license number is 513068. Okay? Yep. Lack of independence. We can't say that we're independent or unbiased or impartial. The reason for that is because even though we run our own license, we have ASIC above us. So it's just part of the regulations in the corporations act. I mean, make sure that's it. But on page four, the services we provide, we can I just broke it down very simply there between deposit payment products, government debentures, stocks and bonds, life insurances, that's where you're in, and all the rest, all the way down to super? That's all on our approved product list. But our APL, we can have been directed and, you know, been qualified and the degrees that I've got and all the bits and pieces that asset likes to see.","start_word":8895,"end_word":9033,"sentiment":"neutral","sentiment_score":0.14104898273944855},{"text":"You know, we can we can essentially recommend any products on the planet and any sort of strategy. I've got some qualifications too. So to give you a little bit of peace of mind.","start_word":9034,"end_word":9067,"sentiment":"positive","sentiment_score":0.5085591077804565},{"text":"The way that we kind of provide our advice, that's number five, is we go through this initial contact, understand your information, and get your goals, your risk profile, and show you a bit about us. After that, we're booking some time, another two weeks or so, to give you our recommendation. And from there, you say you can say yay or nay. Essentially, you you can say, no.","start_word":9068,"end_word":9136,"sentiment":"neutral","sentiment_score":0.08918571472167969},{"text":"I don't like this. Go away.","start_word":9137,"end_word":9142,"sentiment":"negative","sentiment_score":-0.4533408582210541},{"text":"And we don't charge you anything because you're in the insurance, the root stage of the advice stage.","start_word":9143,"end_word":9160,"sentiment":"neutral","sentiment_score":0.05690447986125946},{"text":"Or you like what we propose and it suits your needs, and we can show you how you're tracking for retirement.","start_word":9161,"end_word":9181,"sentiment":"positive","sentiment_score":0.4154873490333557},{"text":"And then from there, what we'll do is you'll give us authority to proceed, the consent to move forward. And after that, we will implement everything for you and get paid by the insurance company if you're only looking at insurances.","start_word":9182,"end_word":9222,"sentiment":"neutral","sentiment_score":0.26851561665534973},{"text":"And then we keep you on track.","start_word":9223,"end_word":9229,"sentiment":"positive","sentiment_score":0.4389675259590149},{"text":"We catch up every quarter and then every twelve months. We review your needs. We review your debts, and we make sure that your insurances are adequate for your needs.","start_word":9230,"end_word":9259,"sentiment":"neutral","sentiment_score":0.2471236139535904},{"text":"Does That's awesome.","start_word":9260,"end_word":9262,"sentiment":"positive","sentiment_score":0.561867892742157},{"text":"that make That's yeah. That that's crazy. Yep.","start_word":9263,"end_word":9270,"sentiment":"neutral","sentiment_score":0.31010901927948},{"text":"cool.","start_word":9271,"end_word":9271,"sentiment":"positive","sentiment_score":0.380761206150055},{"text":"Part of the fee and charges. So this is our fee structure. There's an upfront and an ongoing service fee. We the each stage is a little bit more Okay. complex than the neck. So we do charge a essentially, a letter of engagement charge, which is quite like the $450, you know, $450 Sky Wealth, I think it was SkyVis, whatever the workers you're talking about before. Yep. They charge a it's it's to cover our expenses. You know, my time and the lights, all the staff, the team, absolutely everything, as well as the preparation of the the documents. It's a pretty you know, like, carpenters build a desk or build the frame of the house. This document's personalized to you. It's a it doesn't seem it doesn't look as big as a house, but when you're looking at 70 pages or up to 200 pages worth of work and, you know, weeks and sometimes even up to a month worth of planning and preparation, it it take care of the expense of it gets up there. So that's why for more complex strategies, we charge at the differently at different stages. Because Yes. you are because you're in the root stage and, you know, bringing you on board as a client and making sure that we can show you our worth, we start with those the root section.","start_word":9272,"end_word":9502,"sentiment":"neutral","sentiment_score":0.1040584123753882},{"text":"And for that, it's complimentary for us to write this statement of advice, whether it'd be insurances, just superannuation, referring you over and looking after your accounting so we can do notice on the terms of claim and all these weird and wonderful things to get more tax back at the end of the day. So it's good Yep. because we know how to spend our money better than the government does after five. So yeah. But even if we do all three of those strategies and give you give you a recommendation on that, it's completely complimentary. And then, yeah, we're pretty confident in our services. So that's why we do that part for for a complimentary service.","start_word":9503,"end_word":9621,"sentiment":"positive","sentiment_score":0.47061657905578613},{"text":"And then from there, we would charge once you're happy to proceed, we charge $4,950 out of the asset that we manage, which is like superannuation or investment portfolio. But because we're not, you know if we're just looking at insurances, we don't charge that out of your super, let's say. We we would just get paid 66% of whatever the insurance premium is. So let's say you've got a thousand dollar. Your your insurances that we recommend for you that you wanna go ahead with cost a thousand dollars, we would get paid $660 from the insurance company for that. Does that make sense? So usually so just just to reiterate, so usually, if we're looking at somebody at your agent stage with yourself mad yourself, Allison, and Brendon, and Yes. you're looking at getting started at the roots stage. Alright? You you wanna get your super insurance and get that sorted out so you're growing for retirement, but at the Yes.","start_word":9622,"end_word":9784,"sentiment":"neutral","sentiment_score":0.11985190678959244},{"text":"same time, you're making sure you're protecting yourself and your family if something were to go wrong. We look at that strategy.","start_word":9785,"end_word":9806,"sentiment":"positive","sentiment_score":0.4068109393119812},{"text":"We don't charge any initial upfront cost. Whereas if you've already got your super insurance to sort it out, and you're speaking to me about, you know, leveraging and getting investment portfolio and looking at investment property straight off the bat to draw up the statement of advice, which we're gonna present you the recommendations in. That's gonna cost $2,200 to get it started. Yep. Okay? So with the with this if you do the soup just the super Yep. oh, just oh, sorry. Not the super. Just the insurances. Yep. You still take money at each year? Is that right? No. So if we do not manage your super and only give a recommendation of insurances Yes. because we charge a upfront and ongoing fee. So upfront fee of $4,950 out of the assets we manage. Or for couples, $6,600. So 3,300 proportion of the year, it's gone more or less of the assets we manage. Because we're only looking at insurances, we're not managing any of your assets, like superannuation or anything like that. So we don't we can't charge a percentage of zero. So we would only Yeah. get paid from the insurance company. Does that answer your question? Or Yeah. Yeah. Yeah. so the insurance company would pay us 66% of whatever the insurance premium you'll pay out of your super fund or out of your back pocket for that life, PPE, income protection, and trauma, whatever whatever you need. They would pay us a commission on that and then 22% every year after that, which is disclosed down in the next kind of area. So that's the ongoing service fee on funds under management. But we're not if we don't if we don't give a recommendation on your super, we don't charge anything out of your funds under management because we don't manage any of your funds. We only look at insurance. Okay.","start_word":9807,"end_word":10124,"sentiment":"neutral","sentiment_score":0.019213292747735977},{"text":"That's very confusing.","start_word":10125,"end_word":10127,"sentiment":"negative","sentiment_score":-0.7650201320648193},{"text":"Okay. So because we don't manage any of your super, no. We do not charge those fees. We get paid from the insurance company. Yep. Yeah. If we if we do if we do manage your super, we will charge those fees. Okay. Yeah. Yeah. Yeah. Does that make does that make it a little bit clearer? Or Yeah.","start_word":10128,"end_word":10186,"sentiment":"neutral","sentiment_score":0.0005681601469404995},{"text":"perfect.","start_word":10187,"end_word":10187,"sentiment":"positive","sentiment_score":0.468993604183197},{"text":"So did you wanna just kinda start off with a insurance recommendation first and then see how that goes? Or I'm thinking yes. yep. Just the insurances for now. Yeah. No. That's okay. It makes sense.","start_word":10188,"end_word":10223,"sentiment":"neutral","sentiment_score":0.16203999519348145},{"text":"Perfect.","start_word":10224,"end_word":10224,"sentiment":"positive","sentiment_score":0.49598872661590576},{"text":"And then for an ongoing service fee, if we were to look at superannuation or investments or anything like that funds that we manage as an investment, then there's those ongoing features that would kick in. But, again, because we're only looking at insurances, you don't pay us anything. Does that make sense? Yes. Are you sure you sound hesitant? What's the implementation fee again? Sorry. So the implementation fee is if we were to implement the changeover or the management of your funds under management. So, like, your money in superannuation, for example. Yes. If we were to move that money around and change the investments, whether it be in q super or any other super fund out there, that takes a lot of work, and then we start managing those assets on top of the insurances. So that's when that fee would kick in because, yeah, there's a lot to it. There's a lot to invest in. Yep. Yep. Okay? So because we're not looking at that for the meantime, which you indicated, we only Yep. wanna look at the insurances. We'll give you a recommendation on your insurance cover, what you need. We'll calculate exactly what your level of coverage that you need to be covered for, and then we'll give that recommendation. If you wanna proceed with it, then we'll get paid commission from the insurance company, which is 66% of whatever your premiums are between you. Yep. Okay. But I I'll I'll show all of that and disclose all of that in the statement of the device that we provide in a couple of weeks' time. Okay.","start_word":10225,"end_word":10496,"sentiment":"neutral","sentiment_score":0.012717505100333844},{"text":"Perfect.","start_word":10497,"end_word":10497,"sentiment":"positive","sentiment_score":0.5250365734100342},{"text":"Okay. So that that would give you a much clearer idea because we're trying to break it down there. Yep.","start_word":10498,"end_word":10517,"sentiment":"neutral","sentiment_score":0.24059410393238068},{"text":"Beautiful.","start_word":10518,"end_word":10518,"sentiment":"positive","sentiment_score":0.4881532788276672},{"text":"Okay. So outside of that, there is the last thing I really wanna go go over is what happens if, for some reason, you know, if you were to invest your super with us, you or you find out that I'm drinking pina coladas in The Bahamas with your money or, you know, I hold on, something happens and, you know, Brandon pops away and I hold on to your assets, something along those lines, What do you do? Right? The first thing you do is you get in touch with our compliance manager of the Australian Financial Services license, which is me. But Yes, I will be I'll be drinking pina coladas with your money in The Bahamas. So you probably won't wanna speak to me, and you wouldn't be able to get in touch. So for that reason, we've got a non practicing director who's part a business partner who is the yeah. He's essentially also the compliance manager, so you'll get in touch with him. And he you know, we're pretty reasonable. We've never done anything like that. That's why he's gone business after all these years. But for some unknown reason, if this word occur, and Bob tells you to get stuff because he's gonna join me in The Bahamas somewhere, then you can go on to what's called an external dispute resolution, which is get in touch with AFTCA, the Australian Financial Complaints Authority, and all their details is at the bottom of that number 11 complaint handle, if you can see that. Yes. Beautiful. No. Do you have any questions before we get grab some details? Because we're pretty much at the end. No? Sure. No questions Yes. so far. If if we do change our mind and want to go on to a few of our other things, Yep. we can we can do that at another time, can we? Absolutely. Yeah. Yeah. Did Yep.","start_word":10519,"end_word":10840,"sentiment":"neutral","sentiment_score":-0.0016530869725328054},{"text":"you what I found is actually pretty beneficial because you are essentially in that complimentary consultation phase.","start_word":10841,"end_word":10857,"sentiment":"positive","sentiment_score":0.585435152053833},{"text":"What we usually recommend what we usually do is review the skip a recommendation on the superannuation as well as your insurances because when you get to then we can show you the implications of it. Because when I propose and give you the recommendations, if you you can tell me you don't wanna go ahead with superannuation and you just want Yes. the insurances, then I have to go ahead with the insurances. And then there's no of those extra charges. But if you do the insurance only and then we do the statement of advice later for superannuation or those other stages, then you're just gonna be spending more money. Yep. So it's worthwhile to do the complimentary, you know, statement of advice for the whole root section now and tell me you don't wanna do something rather than say you just wanna do it now, and then I do more advice and charge you for it down the track, if that makes sense. Yeah. That makes sense. Okay. Because you don't have to go ahead with the recommendations or you don't have to go ahead with any of them. You don't have to go ahead with all of them. You you we we it's more of a discussion when we present that recommendation and advice to you. So you can say, oh, we wanna proceed with insurance, but not super. And I'll say, not a problem. Let's do that.","start_word":10858,"end_word":11099,"sentiment":"neutral","sentiment_score":0.1774001568555832},{"text":"Perfect.","start_word":11100,"end_word":11100,"sentiment":"positive","sentiment_score":0.5401819944381714},{"text":"And the that $4 from your super isn't actually paid until you actually start playing with our supers? Yeah. Well, until you sign up to save it, sign to what we call a ATP or authority to proceed. So when you get back in touch and I present the statement of life and show you the recommendations, you I won't charge you until you say, yes. I want to proceed with this recommendation, whichever one it might be. And if it's not super, it's only the insurances, then we'll just get paid commission from the insurance company.","start_word":11101,"end_word":11197,"sentiment":"neutral","sentiment_score":0.17938289046287537},{"text":"But I can show you the benefits of actually you know, if there is something that's better for you on the market.","start_word":11198,"end_word":11219,"sentiment":"positive","sentiment_score":0.3945535123348236},{"text":"And if there's not, then why would I I can't give a recommendation because you wanna go ahead with something that's gonna make you in a worse off position.","start_word":11220,"end_word":11248,"sentiment":"negative","sentiment_score":-0.40694910287857056},{"text":"Right? Of course. So yeah. So if that kinda makes sense, it's worthwhile just doing the full scope, which is super insurance, and then, you know, decide whether it's for you or not.","start_word":11249,"end_word":11281,"sentiment":"neutral","sentiment_score":0.05814571306109429},{"text":"Sounds good to me. Beautiful. Cool.","start_word":11282,"end_word":11287,"sentiment":"positive","sentiment_score":0.4521617889404297},{"text":"Alright. Well, look, the next step is just running through some basic details for yourself and Brandon, and and then go through a risk profile questionnaire. And after that, we'll just book another time to catch up, another couple weeks.","start_word":11288,"end_word":11327,"sentiment":"neutral","sentiment_score":0.13456128537654877},{"text":"Perfect. Sounds good. Beautiful.","start_word":11328,"end_word":11331,"sentiment":"positive","sentiment_score":0.4278922379016876},{"text":"So it's Savan Nocio. Is that Yeah. right? Yeah. Yeah. Yeah. Alright. Well, yeah. I got given Severiano, so my best guess is pronounced all the time. I understand. And, Brendan, it's just is it Brendan Smith? Yep. Or It's Brendan Smith. Beautiful. Perfect. And what's your what's each of your date of birth? Mine's the tenth of the eleventh nineteen ninety seven, Nineteen ninety seven. Yep. and Brendan's is thirtieth of the first nineteen ninety seven. 1997. Beautiful. I'm a Scorpio myself. Yeah. Sports I'm the I'm the November 4. On the fourth. Yep. Yep. Pretty close. And I I've got to ask this question of knowing this day and age. I'm assuming you're a female and your brother's male. Yep. Definitely. Beautiful. And are you guys because of the different names, are you guys married or are you just a doctor No. We're not or married yet. Okay. Okay. Do you have any plans on me getting married or No. That's alright. Just haven't had the financials to do it. That's the issue. No. That's alright. I completely understand. Yeah. We just so you're aware as well, part of being a financial adviser is making sure that you've got the financial stability. So, you know, when you come aboard as a client, not just for insurances, if you wanted to grow your wealth, like I said before, that process, then we'll be working together and making sure that that's able to be achieved along the way. Okay?","start_word":11332,"end_word":11580,"sentiment":"neutral","sentiment_score":0.03699497734925833},{"text":"Oh, that's awesome. Yeah. Beautiful.","start_word":11581,"end_word":11585,"sentiment":"positive","sentiment_score":0.5730144381523132},{"text":"So something to consider. I've got you both your phone numbers. I've got your email addresses. I've got your home address. Do you have a different postal address? No. Same. Beautiful. And what do you do for employment? What's your occupation? So I'm an emergency nurse in ED. Amazing. Oh, in kids. My gosh. Thank My you brain's so much. not working at this time of the day. That's that's alright. I completely understand. Emergency department, thank you so much for everything you do. Nurses get nowhere near enough appreciation for what you guys do. It's unbelievable. Oh, it's crazy. It's crazy. And Brendan is Brendan for their role? He's just downstairs with the kids. He's a excavator operator. Excavator operator. Beautiful. And your do does he ever work more than 12 meters in height doing that? Or 12 meters at heart. Sometimes, like, on the edge of a cliff, but, like, not often. okay. And looking up the strategy, did you want me to do this in the recommendation just for yourself or for yourself and Brandon? Both of us. Yeah. Okay. Perfect. I'm I'm gonna need to speak to Brandon if that's Yeah. okay. Go for it. Yeah. Yeah. Yeah. Just So go shopping. Brandon, there's a question. Do you work above 12 meters high? Oh, jeez. Twenty twenty eight plus is 12 meters hot, though. It's like yeah. Yeah. 12 yes. I I know. Since this is for the insurance, I'm reckon, more the insurance applications when we get them. So 12 meters height is if you're on a roof, if you're ever if you're if you're essentially in the excavator above 12 meters in the machine itself. So, like I said, at the moment, we're doing a road on the side of a side of a hill, side of side of a mountain pretty much, and, like, you know, down off the edge of the hill is So a big it's a big drop. 12 meters. It's probably it's probably 35 meters in the air, but it's the drop it's not a sheer drop down. It's yeah. pretty Okay. steep, So but so I'll pause here just there. So so for insurance purposes, because I need to write down everything you kinda say. So for insurance purposes, on the side of the mountain digging a road as an excavator operator, I would assume that it's not a sheer cliff like you said. No. It's more Not of a a shift with it. yeah. It's more of a gradual kinda 35 meter, like like, an embankment. Yeah? Yeah. It might yeah. It might be steep, but it's not a it's not a sheer drop.","start_word":11586,"end_word":12032,"sentiment":"neutral","sentiment_score":-0.0005002244806929723},{"text":"Perfect. Beautiful.","start_word":12033,"end_word":12034,"sentiment":"positive","sentiment_score":0.4661916494369507},{"text":"Technically, And at no I don't work at heights. No. beautiful. And at no point in time do you kinda you know, you have that, like, a bit overhanging, a 12 meter clip, No. or any No. sort Nothing of risk like of that. that. Beautiful. No. And what Jobs do you what don't do you call allow that. yep. Perfect. And maybe and do you only work on roads or, like, civil? Or Civil, we do we do all sorts. Civil, council work, rock walls. We, like, yeah. Gotcha. Gotcha. yeah, we do a vast variety of stuff, marine stuff, like some stuff in the water. Okay. What kind of stuff in the water do you do? Oh, not so like the Yep. the rock walls we're doing is it's not Is like, it we're in not a exceeding harbor or is it just outside of it? More like more like just making sure that you're you're open you're ensuring shore. Yeah. that So we go the out 10 way it's meters been handled. out in. Yes. Open shore, we go out about 10 meters into the water, and it's Cool. only a meter and a half deep. So there's no Max yeah. is 1.5 meters. Yep. Yep. Yeah. Understood.","start_word":12035,"end_word":12245,"sentiment":"neutral","sentiment_score":-0.02026722553711367},{"text":"Perfect.","start_word":12246,"end_word":12246,"sentiment":"positive","sentiment_score":0.6109901666641235},{"text":"And you're a 100% field based. Yeah? Do you work for are you employed? You're not self employed or Yeah. ABN? That's I'm I'm employed. Yeah. Right.","start_word":12247,"end_word":12273,"sentiment":"neutral","sentiment_score":0.07199302315711975},{"text":"Beautiful.","start_word":12274,"end_word":12274,"sentiment":"positive","sentiment_score":0.47043636441230774},{"text":"And what kind of qualifications do you have? Escobar Drive, obviously. I have the ticket, what card Yeah. Gotcha. We yeah. got Got it. it.","start_word":12275,"end_word":12299,"sentiment":"neutral","sentiment_score":0.06020883098244667},{"text":"Beautiful.","start_word":12300,"end_word":12300,"sentiment":"positive","sentiment_score":0.417125403881073},{"text":"Megan, how long what's your employee's name? Marino Like, what's plant, the Ohio. We know it's vampire.","start_word":12301,"end_word":12317,"sentiment":"neutral","sentiment_score":0.030032018199563023},{"text":"Beautiful.","start_word":12318,"end_word":12318,"sentiment":"positive","sentiment_score":0.36812669038772583},{"text":"Can you talk me over the window, please, Michael? Oh, loud. Yeah. No. I There I know that. I know that. I can guarantee we my five year old's getting in fighting go. because his dinner's ready and he's just starting to get out of his bed. And how long have you how many years have you been in the industry? Yeah. And the service, I think, Seven six six years or from six what or seven years. Six or seven years, I think, roughly. that?","start_word":12319,"end_word":12404,"sentiment":"neutral","sentiment_score":0.019234566017985344},{"text":"Amazing.","start_word":12405,"end_word":12405,"sentiment":"positive","sentiment_score":0.3887988924980163},{"text":"And you're a full time employee? Yeah. Full time. Yep. And you say you work about thirty eight, forty hours a week? Yeah. Most weeks, it's fifty, sometimes sixty Let's go of forty weeks. five for insurance purposes. Gross income of record. Gross income per annum, what would you say you earn every year? Well, last year, I earned 90 last financial year was 97,000 or less, I think. Yep.","start_word":12406,"end_word":12475,"sentiment":"neutral","sentiment_score":0.026495829224586487},{"text":"Beautiful.","start_word":12476,"end_word":12476,"sentiment":"positive","sentiment_score":0.44188499450683594},{"text":"K. And do you get any sort of, you know, bonuses or anything like that? No. Yep. The plan is 97,000 plus super. Well, that's alright. Is it $90,000 plus super? 97,000 plus super?","start_word":12477,"end_word":12510,"sentiment":"neutral","sentiment_score":0.016153628006577492},{"text":"I think it's super because that's that's just what it says on the end of the financial year tax return thing.","start_word":12511,"end_word":12531,"sentiment":"positive","sentiment_score":0.411009281873703},{"text":"Amazing. I'm not sure Yeah. whether Gotcha. it's yeah. And who's And your if Superfund with? possible. Yeah. Yeah. Plus Superbeautiful. And who's your Superfund with? Three bus super. You guys construction and building industry.","start_word":12532,"end_word":12566,"sentiment":"neutral","sentiment_score":0.07576420903205872},{"text":"Beautiful.","start_word":12567,"end_word":12567,"sentiment":"positive","sentiment_score":0.4698350429534912},{"text":"If I shoot you through an email after this evening or maybe tomorrow morning, like I said, five year old get hungry tomorrow morning to yourself and Madison. Would you be able to just maybe shoot through a statement of that c plus super for our recommendations? Doesn't mean you have to go ahead with anything. It's like I explained to Madison before, is we found that it's it's beneficial to do the full recommendations now where you can both say you don't wanna go ahead with something Yeah. rather than do just one strategy now and then, you know, and then and then have to do it down the track anyway. You Yeah. know?","start_word":12568,"end_word":12682,"sentiment":"neutral","sentiment_score":0.004056885372847319},{"text":"So beautiful. Awesome.","start_word":12683,"end_word":12685,"sentiment":"positive","sentiment_score":0.498427301645279},{"text":"Outside of that, I think that's everything I needed from you. Do you salary sacrifice anything into super or raw? No. And No. do you have an EBA for your employer? No. I'm gonna say no. No. I Yes. should probably find Beautiful. out, but I don't think we do. Yeah. So you you don't have to pay to the service, to fund a union or something like that. Right? No. Beautiful. No. Beautiful. Beautiful. And are you currently a smoker? Beautiful. Have you smoked in the past twelve months? No. The past twelve months. No. No. Do you have any significant health issues or injuries on doctor's records? No. Come on. What's that? Oh, you're giving me five times now.","start_word":12686,"end_word":12806,"sentiment":"neutral","sentiment_score":-0.0297472532838583},{"text":"My god. It's terrible.","start_word":12807,"end_word":12810,"sentiment":"negative","sentiment_score":-0.5068851709365845},{"text":"He's got asthma. Oh, yeah. He's got eczema. Well, it's a low low pressure for asthma. Yeah. No. That's right. And he's had a few skin cancers cut out. Oh, no. They weren't fully skin cancers. Sorry. They were just BBSs or Yeah. the basal carcinomas, BCCs. That'll pass the numbers. Yeah. Gotcha. So trauma is probably gonna be out of the question for you, Brendon, but definitely life changing and income protection. I can probably we could probably look at some sort of income some sort of insurances like that. Yep. But, yeah, just with trauma because it literally covers the majority of it, covers and gets paid out on cancer.","start_word":12811,"end_word":12922,"sentiment":"neutral","sentiment_score":-0.14451205624001368},{"text":"That's gonna be really difficult for you to get.","start_word":12923,"end_word":12931,"sentiment":"negative","sentiment_score":-0.3921970725059509},{"text":"Yep. But I'll try. I'll have a look around. But outside of that, as my ex wife and BCC, do you have anything else that's an issue or No. Yep. This is why Beautiful. I have medicine around because I get these things. Yeah. My my message is exactly the same. We got I'm only good at the financial planning, flight things, the the everyday life stuff.","start_word":12932,"end_word":12998,"sentiment":"neutral","sentiment_score":-0.07435823231935501},{"text":"Not so good at it.","start_word":12999,"end_word":13003,"sentiment":"negative","sentiment_score":-0.3777756690979004},{"text":"So do you take any medication, and do you have private health cover? No. No. No. No medication. No problem. No problem. Beautiful. And what's your Oh, height it's and probably weight? helping too. Oh, Yeah. that's It's your extras. Extras. Yeah. beautiful. And what's your height and weight? Oh, it was a hundred and eighty what was it? What's your question? What's how how tall am I measuring it? A hundred and eighty seven? Yep. Hundred and eighty seven centimeters? No. Yeah. Yep. Seven. Yep. And And weight. nineteen six kilos? This is k g. Beautiful. That's my healthy BMI. Have I not reached out to the person? What's your height and weight? What's your height? Right? A hundred and seventy three centimeters. Hundred and seventy three. Yep. And then sixty six kilos. Beautiful. Sixty six kilograms.","start_word":13004,"end_word":13141,"sentiment":"neutral","sentiment_score":0.019236503168940544},{"text":"Amazing.","start_word":13142,"end_word":13142,"sentiment":"positive","sentiment_score":0.3500474989414215},{"text":"And you don't smoke or haven't smoked in the past twelve months, have you? No. Awesome.","start_word":13143,"end_word":13158,"sentiment":"neutral","sentiment_score":0.022028790786862373},{"text":"Beautiful.","start_word":13159,"end_word":13159,"sentiment":"positive","sentiment_score":0.3443998098373413},{"text":"And do you take any I've just been diagnosed with ADHD, and I take sex amphetamine. It must be a Scorpio thing. Yeah. I reckon it might be I also say I'm gonna I just got the script today. I'm gonna try the long acting one, but it's, yeah, Yeah. same medication. Yeah. I got diagnosed with that stuff. He he way in my early teens. So it's sometimes I like to think of it as a super pound, to be honest. It is But a super power. This is how you started yeah. your own business. Yeah, probably.","start_word":13160,"end_word":13258,"sentiment":"neutral","sentiment_score":-0.052888356149196625},{"text":"Lots of lack of sleep.","start_word":13259,"end_word":13263,"sentiment":"negative","sentiment_score":-0.4134332835674286},{"text":"I don't know what to do. Thanks for ADHD over there concerning. One of the two. It's not both. And do you have you you obviously have the extras for the five and l as well? Yeah.","start_word":13264,"end_word":13300,"sentiment":"neutral","sentiment_score":-0.09505704045295715},{"text":"Amazing.","start_word":13301,"end_word":13301,"sentiment":"positive","sentiment_score":0.3557448387145996},{"text":"And do you guys have a will or power of attorney? No. We do need to get that sorted too. Not a problem. I'll when I give my recommendation on insurances as well as super, I'll just do do a recommendation of the power of attorney in there as well. And that will be involved with your binding nomination. So who you nominate to receive your insurance benefits, if either of you were to, you know, get full of your perch, Yep. let's say. So we'll do that. Last thing I wanna touch on is looking at your risk profile questionnaire. I don't make these questions up. The federal government does and ASIC. So some of them are pretty pretty stupid. There's only a few of them, so I'll fly through them and then we're done. Okay? Yeah. So how would you rate and this is each of you individually. K? So Okay. I just answered through for yourself. So how would you like to rate your willingness to take financial risk? Would you say that you're a very high risk taker, high risk taker, average, or low risk taker? I'm probably medium high. Medium, high. Two. So I'll say two. Brandon would be high high. High, high.","start_word":13302,"end_word":13509,"sentiment":"neutral","sentiment_score":0.032138098031282425},{"text":"Beautiful.","start_word":13510,"end_word":13510,"sentiment":"positive","sentiment_score":0.46933385729789734},{"text":"And how would you how familiar are you with the investment markets? Would you say that you're comfortable with the investment knowledge? You're aware that markets kind of fluctuate both up and down? Or you've got Oh, yes. very I'm basic? do I'm aware of it. I just haven't oh, well, we've got a little we've got we invest $20. It sounds like nothing, $20 a week. But I just wanted to get into March. Yeah. No. That's fair enough. But I'm I'm aware of the fluctuations.","start_word":13511,"end_word":13597,"sentiment":"neutral","sentiment_score":0.013553577595679413},{"text":"Beautiful. So there are things like child builder bonds that you can invest into a high growth standard ETF, things like that.","start_word":13598,"end_word":13619,"sentiment":"positive","sentiment_score":0.3803333044052124},{"text":"But we can look at that down the track if you did wanna obviously proceed with with the recommendations and things like that.","start_word":13620,"end_word":13642,"sentiment":"neutral","sentiment_score":0.296764999628067},{"text":"Yes. But, yeah, there's lots of really wonderful things that you can do. Like a child build upon, you can pay no tax at the end of a ten year term. And it's in a high growth ETF that I think on average is, like, 11%, something like that.","start_word":13643,"end_word":13691,"sentiment":"positive","sentiment_score":0.5231605172157288},{"text":"But, yeah, it's pretty crazy what you can do.","start_word":13692,"end_word":13700,"sentiment":"neutral","sentiment_score":0.25624358654022217},{"text":"So that's that's part of what we do mostly as well.","start_word":13701,"end_word":13711,"sentiment":"positive","sentiment_score":0.3525717854499817},{"text":"What is the gross most aggressive investments you've ever made? Have you either of you bought direct shares before? No. So what investment are you buying with that $20 a week? I've got it on Sharesies, and Okay. I've got it as an auto invest. I had look. I have no idea when I set it up. I'm not gonna lie. Is But it is it does it have a ticket code like a VTS or yep. I So I I've v got z? I've got I think I've got two lots of ETFs. Okay. So So let's see what's the ETFs are direct shared. It's just a portfolio of diversified shares in the background. okay. There you go. So there you go. You pay So for directional. there I've got some in is it NASH? No. Right. ASX? Yep. Yep. So the ASX actually listed security or It's iShares S and P five hundred ETF Yeah. Australia. Yeah. That's the I IVD. Oh, sorry. That's IVV. Okay. The Yeah. first Correct. That's acronym. Sorry. Oh, that's fine. And So you got them and in IPV. then and then I've got Vanguard High Dividend Yield as well, v y Yep. n. Yep.","start_word":13712,"end_word":13913,"sentiment":"neutral","sentiment_score":0.01746573022078022},{"text":"BYS is great. Great investment. So it's IVV. The FPP 500 is incredible, Nick. BYS.","start_word":13914,"end_word":13928,"sentiment":"positive","sentiment_score":0.4747654497623443},{"text":"Oh, sorry. Beautiful. And what? It's b y m. B y m. Okay. Yeah.","start_word":13929,"end_word":13942,"sentiment":"neutral","sentiment_score":0.06670456379652023},{"text":"Beautiful.","start_word":13943,"end_word":13943,"sentiment":"positive","sentiment_score":0.4353330731391907},{"text":"That's the high yielding one. Correct. Yeah. Alright. Now the next couple of questions are pretty important. So investments can go up and down in value. It's called volatility. So if we were to invest your superannuation, just for its sake, how much could your investment drop in value by over twelve months before you read this before either of you start getting concerned and anxious. Would you say that you you would start being concerned and anxious if you lose more than 50%, up to 50%, up to 25%, up to 10%, or up to 5%? Oh, wow. Let me work that out. What would be So how so much do I've got you have in your current I've Qsu got Group? a I've got a 110. The 110, let's just say. So so 10% is Yep. $11,000. If your portfolio dropped to 99 or 90 dropped to a $100,000, would you start Yeah. to feel concerned and anxious? Yeah. A little bit. Is that is that bad? No. It's it's it's not neither bad nor good. It's entirely your tolerance and capacity for us. So it's like, for me, I'm I'm if I see my portfolio drop more than 50%, I rub, you know, people like us rub our hands. You go and see the world crash. We we think that everything's on sale. You know? So I've got That's a true. So yeah. yeah. I've Like, got it a completely different mindset too. Yeah. So it's Yep. entirely got to do with your risk and your risk profile. It's not mine or Yep. Brandon's. So would you say up to 10% you start getting concerned and actions or up to 25%? We'll take 25. 25? Yeah. And Brandon? Yeah. He's he'll be the same. Yeah. Are you able to be with them by any chance? Just just for Yeah. another He's he's four in questions? the bath. I'll I'll Okay. I'll ask him. I I can if you put me on loudspeaker, I can quickly run through these questions. Yeah. He's go for it. Alright. Between each of you, how would you feel if in six months after investing with, say, RFP Financial, say, your super, for example, you find out that your portfolio has decreased by 20 due to general trends in the financial market? What would you do? One, invest heavily expecting future growth. Invest modestly expecting future growth. Would you, three, hold and await improvement after speaking to your professional your financial professional, or would you tell me to get stuff to move everything to cash? Two? Oh, it's two. Two, invest two is invest modestly for growth. So invest modestly just to be wireless if the market's low expecting a further growth outcome. Yeah? Okay. And K. yourself, Madison? Or Myself? yep. Would you Outside hold? this time. You say the same?","start_word":13944,"end_word":14422,"sentiment":"neutral","sentiment_score":-0.05425784534663895},{"text":"Beautiful.","start_word":14423,"end_word":14423,"sentiment":"positive","sentiment_score":0.4860259294509888},{"text":"I've got one more question to ask both of you. How much oh, no. Not that one. How have you ever thought about taking out a loan to invest? One, you have borrowed or open to borrowing for stocks and funds like we talked about before, that $100 example? Or Yep. you have borrowed or open to borrowing for investment property, or you've only borrowed for your home. Would you You would. I know you would. He he would take money from the bank and invest it.","start_word":14424,"end_word":14510,"sentiment":"neutral","sentiment_score":-0.039522070437669754},{"text":"Yeah. beautiful.","start_word":14511,"end_word":14512,"sentiment":"positive","sentiment_score":0.4831335246562958},{"text":"Yeah. But for yourself, would you go and leverage against your home, your family home to invest in shares if market was down or something like Oh, that? against Or your phone? Yeah. Alright. So Go go to the question again. What was the question again? sorry. So have you ever thought about taking out a loan to invest? One, you have borrowed or open to borrowing for stocks and funds? Three, have borrowed or open to borrowing or investment property. So borrowing against your home, that's it, to invest investment property. Or five I'll invest in investment properties. Yes. Yes. oh, yeah. Okay.","start_word":14513,"end_word":14616,"sentiment":"neutral","sentiment_score":0.02035433797237392},{"text":"Gotcha. Perfect.","start_word":14617,"end_word":14618,"sentiment":"positive","sentiment_score":0.4336499869823456},{"text":"And the follow the last question is thinking about the way you answered that last question, how would you how would taking out a loan to invest make you feel? Would you say that you're comfortable borrowing because you are aware of the risk and know how the potential of upside, but also know that you can lose a lot? Would you say that you're somewhat comfortable and cautious of the risk, or would Yeah. you say I'd take that you're cautious. Cautious.","start_word":14619,"end_word":14701,"sentiment":"neutral","sentiment_score":-0.009599183686077596},{"text":"That's beautiful.","start_word":14702,"end_word":14703,"sentiment":"positive","sentiment_score":0.5394160151481628},{"text":"Okay. With that, when is a suitable time? I'm gonna shoot you through an email, probably tomorrow morning. I know that my lovely fiance and Rikers, they're probably waiting for me. So I'm gonna have to run Of course. too. I'm so sorry for taking No.","start_word":14704,"end_word":14749,"sentiment":"neutral","sentiment_score":0.03809605538845062},{"text":"Don't up your be time.","start_word":14750,"end_word":14754,"sentiment":"negative","sentiment_score":-0.4308556914329529},{"text":"fine. No. No. No. Money never sleeps. It's very true saying in our world. So what I need to do is I'll send you through an email probably tomorrow morning just asking for some, you know, super statements, insurance, certificates as currency. And if you don't have them, that's okay. Just send through what you can. And other than that, look, we have completed the initial consultation, so thank you for your time. When is a good time, maybe in a couple of weeks, for me to give you a callback and, yeah, run through a bit of a bit of a recommendation statement? Maybe even the end of next week? That was 05:00. It sounds like 05:00 knowing your your your your wage and your your your permanent part time is a e n, aren't you? RN. RN. Sorry. Yep. RN. I'm sorry. I didn't I didn't need to ask this. What is your wage per annum? Yep. My weight? Yeah. So because I've been on maternity leave. It's been quite down in the last three years. That's okay. What I would haven't you say been on it would maternity be leave. normally? It should be around 110 this year, I reckon. Okay. Good. And because you're with q super and you're working in Queensland as a RN, do you get the extra super benefits, your salary sacrifice, and all of that? Or Yes. So I'm salary sacrificing 5%. three hundred and 50 a week. Yep. I'm also salary sacrificing I think it's a percentage of my pay in extra into my super on top of the Yeah. I think they do a bit extra anyway as well. Yeah. So you get you do about 5% because 5% ends up getting you an extra kind of 4% match by the government. Right? I think So it's so. worth it. Yeah. It's worth it.","start_word":14755,"end_word":15068,"sentiment":"neutral","sentiment_score":0.029098170234044644},{"text":"Perfect. And you that's that's all good. That's all good.","start_word":15069,"end_word":15078,"sentiment":"positive","sentiment_score":0.5133897662162781},{"text":"Yeah. Look. That's that. When's a good time? I'm looking at does 05:00 in the afternoon suit you guys? It sounds like you're busy with the kids, but I'm assuming you're working on Final Pass. Yeah.","start_word":15079,"end_word":15114,"sentiment":"neutral","sentiment_score":0.04148782789707184},{"text":"That's perfect.","start_word":15115,"end_word":15116,"sentiment":"positive","sentiment_score":0.3537175953388214},{"text":"Five o'clock's good. What about next week? What about next week Tuesday, 5PM? Yep. Perfect. Tuesday. Not a problem. I'll send you a calendar invite. Do you have any questions for me? No. That's it for now. I'll let you go to your family. That's alright. They've they've dealt with it for a very long time. So trust me, it's it's something that's pretty common. So I think financial statement of advice and scores. And yeah.","start_word":15117,"end_word":15192,"sentiment":"neutral","sentiment_score":0.03260046027992901},{"text":"Look. Thanks for reaching out. Look forward to Perfect. speaking Thank to you you so much.","start_word":15193,"end_word":15208,"sentiment":"positive","sentiment_score":0.6940691471099854},{"text":"in a week, hon.","start_word":15209,"end_word":15212,"sentiment":"neutral","sentiment_score":0.2173789143562317},{"text":"No problem. See you guys later. Enjoy the night.","start_word":15213,"end_word":15221,"sentiment":"positive","sentiment_score":0.5628231763839722},{"text":"Bye Bye. bye.","start_word":15222,"end_word":15224,"sentiment":"neutral","sentiment_score":0.2272745370864868}],"average":{"sentiment":"neutral","sentiment_score":0.05195454932061674}}}}