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Yep. Perfect. Now, David, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yep. Yep. Perfect. That's exactly what I have here. Now before I just kind of jump into the under review as well, just wanted to obviously see how you are going with everything. My colleague, Caden, obviously mentioned that you are kind of going through looking at that IP claim with him with Clearview at the moment and that you are off work. Is that correct? Yeah. And how how long have you been off work for now? Okay. Four days. And did you get old yeah. What did you say? Sorry, David. Okay. Yes. So the this thirty day waiting period means that you have to be off work for thirty days before you can start claiming on the policy. Now it is typically also paid fifteen sorry, thirty days in arrears. That will be back paid. But the that the the second lot, not the first, because you have to wait for that thirty days before it kicks in. So, basically, you have to have been off work for thirty days before you qualify. And then once you've been off work for thirty days, you qualify to make the claim, and then we can kind of put that in, to get the payment sorted for you. With the monthly payment, it is paid thirty days in arrears. So that means that the payment will kick in thirty days after the thirty day waiting period, if that makes sense. You you don't have to have been off you don't have to have been off work for sixty days. It's just back paid. So if you are off, let's say, forty days, yes, the payment won't kick in until sixty days, but you will still be paid for those ten days past the thirty days. It is just kind of lagging a little bit, if that makes sense. So did, kind of, Caden go through and send you all the information and everything needed? Yes. Okay. Perfect. And I think he expressed posted it as well. So, hopefully, if you're in Queensland, it shouldn't be too far off. Obviously, keep a lookout for those documents. And if you have any issues completing it or any questions, just give us a call so then we can kind of help you through the process as quickly as possible. Yep. So you said about six weeks recovery, and it's kind of a is it a hamstring injury? Yep. Okay. And at the moment, are you guys are you okay financially? Are you really struggling? Obviously, you won't have your income for a while kind of cash flow wise. Okay. And do you know how much you have saved at all? Just the ten days? Okay. Yes. No. Makes it hot. Okay. Well, do you know if you have much, like, annual leave or anything you could use if need be? Yeah. Okay. That's good. Okay. That's good. Hopefully no. No. Exactly. And are you seeing a a physio or anything for recovery as well? Yeah. Okay. Okay. That's good. Yep. Yes. Yep. Perfect. No. That's good. Now I know Caden is working with you on on that, so that's good. Obviously, let us know how it's all going. We're trying to make it, obviously, as quick as we can for you and trying to get that claim sorted. If it is that you need any, you know, cash flow and budget, which obviously is is a bit hard, but if that's something you need assistance with as well, just let us know, and we can always send you some of my cash loan budget to see if there's anything we can do in that in that area for you. Perfect. Now I won't try to go through I spent too much of your time today, David. But, essentially, what I want to do is just kind of quickly go through a bit of a fact find to see if there's anything major that has changed since we spoke last time if we do need to make any changes to your advice otherwise. So just kind of bear with me as I run through this. Now when it comes to your personal information, I have you down here as single with True Financial Dependents. Is that correct? Do they still are they still with you sometimes? Like, are you providing any financial support for three days? Yep. No. No. No. I would still say that they are yes. Yeah. No. Yep. Yep. No. Usually, for us, it's more so like, it doesn't matter too much. It's more so just making sure that everything is like, from, like, an insurance point of view and everything like that, it's that if something were to happen to you at the moment, you still have some financial dependency. Like, they are still relying on you financially. Sorry. Whatever capacity that that would mean, it's still to me, well, you are still they're still needing your financial support. You know? Yeah. Okay. Now next up, Ken, I have your mom, I believe, Elizabeth nominated. That's still the case as well? Yep. Yep. And her phone number hasn't changed. It still ends in 3. Yep. Perfect. Now, obviously, you are off work at the moment, but before you kind of stopped working about four days ago, are you were you still kind of doing the same occupation otherwise? Like, you're still employed and working as a leading hand? You're just off work at the moment? Okay. Okay. Beautiful. And how were you finding that? Yeah. So yeah. Beautiful. Yep. Perfect. And so still with the same company, though? Yep. Perfect. And that's also full time you were working? That was also full time that you're employed in that capacity? Yeah. Perfect. Now income, I have at a 100,000. Is that still the case? Do you know? Does that change? Oh, beautiful. I'll update that. Perfect. And when it comes to assets and liabilities, I do wanna check because last time we spoke, the property was still to be split between you and your ex partner. So did you guys obviously sell that one, and, obviously, you have a new address now? Yep. Okay. Are you did you buy this new place you are at, or are you renting? Okay. Perfect. So, obviously, the mortgage and the property is gone, so I will update that. Motor vehicle add two motor vehicles at 60,000. Do you still have those? Mhmm. Okay. 18. Okay. Perfect. And anything owing on the motor vehicle? No. Yeah. Okay. No. That's all good. And how much is that one worth? Yep. Would you say closer to 30 or close to 20 or, like, 20 5? Alright. Perfect. Now anything owing on either of them? Okay. And that was is that on the $18 one or the the parts? $18. Okay. Perfect. Now I also have tools of about $5,000. Yep. And then also savings about 4,000. Thousand. Mhmm. Yep. Do you know roughly how much you have? Perfect. And are you planning on buying another property later with that, or are you just kind of keeping it? Oh, yes. Yeah. Yeah. Lovely. Yeah. Perfect. So that would kinda be like an investment property? Would that kind of be an investment property for you or more like yeah. Yeah. Okay. Perfect. So investment property. That's great. Any other assets otherwise we haven't gone through, David. Yep. Perfect. And is that just kind of on a platform, or how are you investing in that? Yeah. Okay. Beautiful. Anything else? That's perfect. Now health and lifestyle, obviously, aside from hamstring at the private health insurance? When it comes to estate planning, I know you had a will before. Do you know if that's been updated with the change in circumstances? Yeah. That's okay. I'll just put on the to do list. Sometimes life gets gets in the way. Yeah. No. That's all good. Now I do wanna check as well, sorry, when it comes to your insurance and your superannuation. At the moment, we have April nominated. Would you want to change that? Yep. You you can. The only way is we would have do it a bit differently. So with super and insurances, there are quite strict rules and regulation in terms of who you can actually nominate directly if the insurances are held inside super and with your superannuation. So under the CIS Act, you can only nominate a spouse, a child, or someone who are financially dependent on you or you are in a interdependency relationship. Basically, to qualify for that, it must be someone who you who must remain financially dependent on you at the time of your passing. You need to have a close relationship, living together, providing, like, financial, domestic, and personal care support. So if you sorry. But you can still sorry. If, for example, your mom doesn't classify in that like, if you don't wanna give it to your children and you want it to go, like, through your through your mom, you can still do it, but the way that we would have to change the nomination is that you would then select a legal personal representative. Basically, what that means is that it reverts back to the will. Then in your will, you can step stipulate exactly what you want. You can say that you want your insurances to go to this person or to to these people. Like, you can you can nominate whoever you want to. It would just have to go through the estate because otherwise, super insurance does not form part of the estate. Does that make sense, David? To to set it up. So because it's a legal nominations, and, obviously, we can we can guide you in the the how the structure works. But in terms of setting it up because it's because I'm not a lawyer, I can't do that. So I would say the best thing would be to obviously obviously, you have to update the will is to then speak to them about, like, succession or whether you want it to go through your mom, and then she has some stipulations on what to do with the money or whatever it might be so it goes through your kids, you can definitely do do that. That will be the best way. Otherwise, if you do nominate your children directly, which you can, the only thing would be, obviously, if it goes to your kids and they are 18 and they then end up going to the guardianship. So whether that would be your your ex partner, for example, then, obviously, they would have exactly. So I think the best thing would be to definitely go and see a lawyer for the kind of make sure everything is set up correctly and that it goes exactly how you want it. Do you know a lawyer? Do you know someone who knows someone close by, or would you want us to send you that information again? Yeah. Yeah. Beautiful. We can get that sorted. I'll get the team to email that to you. Now what I will also do is I will get the team to repost those forms so that you have them so that we can get that updated when you have spoken to the lawyer as well to change, obviously, from April through whether that is through the will or however you want to structure that. Yeah. Any questions in regards to any of that? No? Yep. Perfect. Mhmm. Yes. For your personal investments? Mhmm. Yeah. So yes and no. There are limitations on which type of investments we would look at. So it kind of depends. There's a lot of different ones we could look at depending on what you are interested in. So, for example, if you wanted to look at a just personal investment account to make it kind of affordable and make it worth it for you as well, obviously, with the fees. Typically, some of them do have a 20,000 limit on it, like a minimum to set it up. No. That's so good. On the other side, if you were looking at going down, like, investment bond route, there there's you can literally have $2 as a starting point, and we could still manage that. So it kind of depends on what your goals are, the purpose behind the investment, and what you are wanting to do, then we can most definitely have a look at that for you. Why investment bonds? Yes. It's it's different. And it's so each product so depending on which product we would look at. So each kind of provider have different rules. So for example, with Hub twenty four, they have personal investment accounts. They have a limit saying that you have to have 20,000 to set it up. The same is with, like, Macquarie if you were to do investment con. So it's more that it's, like, each product provide but with an investment bond because that's a I don't do you know much about investment bonds? So investment bonds are very different. So it's it's kind of confusing because you call it an investment bond, but it has actually nothing to do with bonds per se. So an investment bond is another form of kind of an investment vehicle. It is classified as a insurance product, so it does fall under different kind of rules, which is what makes it so tax effective. So investment bonds is something we do for a number of clients as well if they are looking at a little bit longer time frame. So, again, there's a lot of a range of different investment bond products. But how it is is that you basically have a investment bond set up, and within the bond, you can have, like, shares. You can have managed portfolios. Like, you can have a range of different investments depending on which kind of option you would look to go down through. And how it's tax effective is so a minimum time frame to make it very tax effective is usually ten years. So it would be dependent on how your long term like, how long term you're wanting these investments. But if, for example, you wanted to, let's say, have a ten year time frame, the way that the investment bonds make it quite competitive is that with a personal investment account, so similar to your stocks that you have now, you will obviously, any dividends and stuff that you earn will be added to your taxable income that you have to pay tax on. If you sell investments, you obviously have to pay capital gains tax personally. Now within the investment bond, it does it kind of gets taxed at a discounted rate within the bond itself, so it's not added to your taxable income. And if you've had it for ten years, if you were to sell it then, there is no capital gains tax associated at all. So it makes it very tax effective for long term investments. Other ways that some people use an investment bond is if you for example, at the moment, with the current legislation, you can't access super until you turn 60. But let's say you want to retire at 50, but, obviously, you can't get income stream from your superannuation. A lot of people, if they do have that ten year time frame, if they set up an investment bond, then after ten years, you can start drawing an income from that investment bond, which is tax free. And then, obviously, you can kind of draw an income that way before you could potentially start accessing your superannuation. A lot of people also use it for a investment for children. So there's also, like, child bonds, which, again, you can invest for children. And then after ten years, they can get everything tax free as well. So there's, like, a lot of different ways you can look at, again, depending on your time frame. Mhmm. It's kind of little bit different. Yeah. And, you know, it's actually going pretty good given the market conditions we've had. So that's great. Now with the personal investments, is that something you are wanting to look at now, or are you wanting to kind of when things have sorted itself out with, obviously, the IP claim, if you're back at work and a bit more certainty with cash flow you want to look at? Yeah? So what I can month or two? Yeah. Beautiful. Now what I can do so I do wanna let you know that on a personal note, I will actually be going on maternity leave in two weeks. Thank you very much. But my colleague Jenna will kind of take over from me. So I'm doing a big handover with her, and everything we've spoken about today, I will brief her on. I will also send you a a separate email probably sometime next week with her direct contact details so that you have it. If you if you need to make contact, otherwise, you can just call the office, and you will be put through to her anyway. But I will put a little reminder in two months' time to get her to give you a call to talk about the investments and kind of touch base and see how you're going and if you're ready to have a look at it then or, obviously, depending on the injury and how you're going would work, whether you wanna hold off or get. Yep. Okay. Beautiful. Any questions with any of that? No. Yeah. Alright. Perfect. Yes. Definitely will. Now anything else that you need help with or any other goals that you have at the moment, David? Mhmm. Yep. Yep. It's it's a bit of a we can definitely assist you with it. So it's kind of where it falls into the category between both us and a mortgage broker. So, obviously, a mortgage broker have you dealt with a mortgage broker before? Yeah. So, obviously, they would obviously, because we don't we can't do lending. So they would obviously run the numbers on how much you can borrow, borrow capacity, and how all of that looks like. Yes. Okay. Beautiful. From a cash flow point of view? Yes. And we we can definitely have a look at it. So if you obviously have the numbers, make sure it's doable financially. Obviously, if it's positively or negatively geared depending on what the structure and stuff is. Yep. Especially with the changes in budget as well. Alright. Perfect. So then we could have a look at that for you from, like, a from a a more like a cash flow wise, whether it makes sense in terms of if it's a good investment because, obviously, we are not property experts in terms of what type of investments would be best or what is good. Then often you would have, like, what do you call it, a buyer's agent or something like that to obviously have a expert in the areas of what you are looking for in terms of the sound investment. But if you have, like, the papers and everything, you can always send it through to us. We can have a look at it and then have a bit of a chat to you. Yes. How beautiful. Yes. But, yeah, we can all yeah. That's pretty good. Oh, yeah. And where did you say it was? Where did you say they were? They were on somewhere on the Gold Coast. Oh, yeah. Nice. Perfect. Mhmm. Yep. Yep. Mhmm. Yeah. That's not yeah. No. That's good. And, yeah, so, definitely, if you have all that information, then it's always something you can send through to us, and we can have have a look through kind of that that property advice side of it. If you've already kind of found a property that you are wanting and, obviously, the the lender has, from at least a numbers point of view, says it's viable, then we can definitely have a look at that. So when I send you Jenna's details, you can always just respond to that email as well if you do have anything. And, again, I will kind of talk her through what we've discussed today. Yep. Okay. Beautiful. Now, otherwise, when it comes to, obviously, your super and your insurances, at the moment, we have you invested in that high growth portfolio. I know last year, we did some advice and kind of went through everything in a lot of detail. So with your risk profile, has anything changed for you, or are you still comfortable remaining in that high growth portfolio, or what are you kind of thinking? Yep. Yep. Okay. Beautiful. Now, David, do you have access to your emails at the moment by any chance? Yep. Okay. Beautiful. So I have to send you an email with some documents to run through if you could access that for me. And it should come directly from me. And we have changed the software, so it might look a little bit different to what you are used to. It's kind of the same, though, where it says request signature or sign documents or something. And then it will just ask you to click on a link, and that link will open up all the documents for you. Yep. Perfect. Now let me know if you can see the first one where it says summary of super and insurances. Yep. 206. And when we spoke last time during annual review, it was at a 113,944. So it's done pretty good given the market conditions in the the last twelve months, so quite happy with that. Now underneath it, you have your Clearview insurances. So you have your life and total permanent disability insurance, and you have 879,187. And then you can see your income protection policy there, which is that monthly benefit of 5,221. That's thirty day waiting period, which is good that it is the lowest. Sometimes you can have, like, sixty or ninety days, which, obviously, you have to be off work a lot longer. So so that is good. And you do have it for five years. Hopefully, you don't have to be off work for very long, but you do have that running for for five years as well, which is good. No. So it will stay. The only thing is if your policy is indexed, then what it might mean that if you remain on claim for a long period of time, it might go up just with, like, inflation, but it won't go down. Yes. No. Not on your policy. So with the the ClearView policy we have, it's a flat 70% for the duration of the five years. So it doesn't decrease. Yep. Which is good. Now those funds are paid from within superannuation. You do get that little tax rebate. So all three is 2,873 from hub twenty four for you. Yep. Now if you can go to the next document for me, it should be your performance with IRR with Hub twenty four. Yep. Perfect. Now this one might look a little bit messy, but because you drew some personal investment, it might make a little bit more sense to you, which is great. But, essentially, it does give you a a breakdown over the last twelve months. So it breaks down all your individual investments, how they have performed, how much you have in each option over the last twelve months net of fees. Now this one here looks a little bit more extensive than usual, and the reason being is that we did do advice for you back in November. So, obviously, within the last twelve months, we had those investment changes that we went through. So that's why there's, like, a little bit more. The good thing is, though, that the one investment that was underperforming, which was the Benelung Australian Equity, we completely sold out of last year, which was great. But you can basically see all the other investments that have done really good. And like I said, overall in the twelve months, and that is, again, with the changes we have made and the market condition, it's still up after fees by 9.07%. So the whole portfolio as a whole, now after fees, it's up by 9.07% in the last twelve months. But that's also that during the last twelve months, we then swapped you out of some of those investments that weren't performing and put you in other ones. So that's even within that time frame. So so really happy with that. Yeah. Now if you want to go through the next document for me, it should be your Vanguard index chart, I believe. Next one. So the performance yeah. Yep. Yes. Yep. Do you remember seeing this last year? Yep. So it is good. It's just a good visual representation of what we are talking about when we're talking about the market. You can see here that, obviously, over the long term, market always goes up. For short term, there will be some ups and downs and market fluctuations. Now sometimes you can also see that the biggest drop in the market is then quite closely followed by the incline again, which is good. And how this kind of relates to that high growth portfolio for you is on the right hand side, you have the different asset classes. Now with a high growth portfolio, you do have about 90% invested in a combination of the four. So that is your US shares, which is, like, the light green. You have your Australian shares, which is your dark green, international shares, which is, like, the yellow, and then the property, which is, like, a maroon color. And you can see here that they are the ones that do grow the most, but also fluctuate the most. Yep. And then you do have about 10% in defensive, which is your your cash, your fixed interest, and then gold can kind of come into this as well. Any questions so far? No. All good. Perfect. Now the next document should be your ClearView certificate of currency, I believe. Yep. Now this just breaks down your insurance policies in a bit more detail, but basically lets you know that's all paid and up to date. Now the mhmm. 9.07% after that. Yes. So that's just, like, the growth on your investments. Yes. After fees. Yes. And in a dollar dollar value, so that is not contribution. That's just, again, growth on your investments that equates to that 13,096. Yep. Yep. Perfect. Now the next document, David, should be the Oakview services guide. Yep. You would have seen this one a couple of times. It is one of those compliance documents, but it does give you all the important information in regards to us here at Oakview. I'll let you have a read over this in your own time. But, basically, all the information in regards to our directors advisers, everything is in there for you. If you do wanna put a face to the voice again, I am on page 10. But, otherwise, I'll let you have a read over that in your own time, which then takes us to your last document, which should be the one where it says consent to ongoing fee arrangements with hub twenty four. Yeah. So this one here, it's just your ongoing service agreement, which is just to say that you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure for you, David. It stays exactly the same at 1.65 from super, so no changes in regards to that. And it is also not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But by signing this document here, because it will ask for your little signature if you are happy to do so, It just allows us to manage all your investments and everything for you in the meantime. Yep. Yep. Perfect. Do you have any questions in regards to any of those documents? No. Okay. Perfect. So, basically, when you when you have a moment or if you have the option to do so, it will just ask you to add a little signature on the document that you are in at the moment. But if you're a bit busy sounds like you're a little bit busy at the moment or no? Ah, perfect. So it should just ask you to add a signature, automatically sends you sets up the date. And then, yeah, when you press validate, it should then load and and back to me. Just is it just loading? Okay. Yeah. So, basically, just kind of recapping that I will get to the team to email you the the lawyer information again, repost the beneficiary form for your super and insurances so we can get that sorted. And I will also put a reminder if we haven't heard from you before in about two months' time for my colleague, Jenna, to reach out to talk a bit more about personal investment options and having a look at any of that kind of property side of things as well for you. Yeah. Mhmm. Okay. Yes. Yep. Mhmm. Yep. Mhmm. Yeah. Yeah. Yeah. Yes. That would be great. Yeah. That yeah. Perfect. We can definitely do that. Hopefully, we can help her as well. And if it is that she, you know, does come on board, there is a little gift voucher for you as well to say thank you as a little referral bonus, which is which is lovely. But if you want to give me her her name and phone number and email, if you have it and best contact time, if she has one, then I can get the team to reach out and see how we can best help her as well. Yes. Yep. Yep. So I can definitely get them to email email her first, and then she can respond to that with what works best for her. Yep. Holly Mercer. And last name, how is that spelled? Yep. Oh, beautiful. And best email and contact number if you know? Sure. That's good. Yeah. No. That's okay. Take your time. Yep. Yeah. Just hold in, Melissa. Eighty six. Yep. @gmail.com. Perfect. And phone number as well if you have it, but we'll email her first. Eight two six five 552. Beautiful. I will pass that on to our onboarding team. I will get them to send her a little email, and then they can kind of tie up a time that works best for her. We'll do a bit of a introduction. Everything is completely complimentary as well. But it's always, like, a good free review if anything where we have a bit of a chat to her, see what her goals are, see what her situation is like. We'll then put together a research proposal similar to what we did for you when you came on board. And there's obviously no obligation, and it's only after if she is happy to go ahead that there would then be, obviously, the fee. So everything up until she decides if she wants to come on board is completely complimentary. Yeah. Beautiful. Do you remember what the name is? And I can check. Jordan. I might need the first name as well, but, usually, we do if it is that a client because, obviously, we note down right away who's referred. So I will I will check with the team if there is any records of anyone's Jordan Robinson. I will have a look at the team. Just for privacy, I can't tell you tell you anything, but I will check. And if it was that the person who you referred did sign on, usually, we would have sent through the certificate right away. So as soon as a client does sign sign on, we will send you that gift card. I will triple check it for you, though. And if it was that they did sign on board and you haven't got anything, then I will chase that for you. Otherwise yeah. But thanks for for letting me know, and I will check. But when I sent their email to the onboarding team for Holly, I will note down that you have referred her so that if she does come on board, it will obviously go the gift card to you. Yeah. Yeah. Yeah. And and that's just that's that's good as well. And, hopefully, we can help her similar to what we have for you. And, obviously, because you are a client, you can also, obviously, tell her your experience and everything personally, which is great. And if there is that you guys ever wanna work on joint strategies and stuff, sometimes that's, you know, we can always do joint under reviews and stuff like that with couples if that's ever, you know, something you guys want as well. Yep. Beautiful. Now do you have anything else for me, David, before I let you go and enjoy your afternoon? Mhmm. So with the the property, are you thinking, obviously, outside super, so not inside superannuation? Yeah. Do you know which type of trust structure? Mhmm. Yep. Yep. So it and that's for buying a property? So because there are it gets quite complicated depending on which trust structure you are looking at with the new changes. Family like, your testamentary trust weren't part of the budget where they are making changes. They were making quite a lot of changes to other trust structure. So so if you guys are looking at discretionary trusts, then they have made changes in regards to that for especially when it comes to kind of low income earners, the minimum rate being the 30% whereas before, if you are not working on low income, you could obviously kind of then distribute the earnings through the low income earner, and kind of use that in a tax effective way. So they have changed the rules in regards to that for discretionary co correct just to kinda limit the tax benefit as much, I guess. From, like, the discretionary trust into who it is. They they yeah. They have tied it a lot of things with the budget, so there's a lot of changes, especially even with, like, self managed super funds as well. So if you ever wanted to before, you could obviously set up a property within a self managed super fund, and you can use a borrowing arrangement to buy a property through your self managed super fund, that has changed. So the only way you could now buy a property through a self managed super fund if you want to borrow money is through commercial property. You can't do it for residential property anymore. So the only way yeah. So if you wanted to do, like, an investment property through a self managed superfund, you can't borrow for us anymore. So they've made quite a few changes, and, yeah, that changed that had to have been in place the tenth of this month. So they've made that a little bit harder as well. Yeah. So, like, if if you wanted to do it today so let's say you and Holly wanted to combine your supers and do a self managed super fund, and you wanted to have a property as part of your portfolio within the self managed super fund, but you obviously wanted to or needed to borrow against it. So you didn't have enough for, obviously, the property. You were then you used to have a loan agreement outside superannuation through, obviously, finance and buy the investment property, and that would obviously kind of be filtered through a different cash account where you had obviously payments and everything going in. That, you can't do anymore. So you can't have that loan arrangement for a residential property. It has to be commercial. So, yeah, that makes that quite quite different as well. So a lot of changes. Yeah. Mhmm. So with the self managed super fund, you can't have a property through a self managed super fund if you live in it. It has so even with alright. Okay. Does she already have the property within a self managed super fund, or that was something she was looking at doing? No. And does she have a loan attached to it? Yes. So unless what's in her super will pay off the loan completely, then no. So yeah. Yeah. But, obviously, depends on because, obviously, I can't give any personal advice for her because, obviously, I don't know her full situation and stuff like that. Yeah. No. Perfect. It would depend on which product you would have have it with. So often, some people just have a property, and then they have the minimum cash associated with whatever product. So whichever platform they use for, obviously, the cash flow and everything with the self managed super fund, They sometimes have a minimum balance. Like, we'd have 24 even with your account, they have a minimum of of 1.25% that has to be in cash to account. Usually not. Like, you unless it's, like, a different product, but a lot of the ones that we have for clients with self managed super funds, the bigger issue is more so, obviously, liquidity and diversification. Because if you had everything in just the property and something would've happened to the property market, like, even now, we're obviously seeing a bit of bit of prices coming down for for property. Obviously, if you have all your super completely locked into a property and you need to access that money for some reason, it's obviously very it's not very liquid. You can't just sell something quickly and get the money, and everything is tied up into the property. So a lot of the times, people will have a property and an investment account with the self managed super fund, but not everyone does it. Some people just have a investment account. Some people just have a property. But in terms of their percentage, it would depend on each like, the provider that they have the self managed super funds because there's a lot of different yeah. Again, it's kind of similar to your hub 24. There's hundreds of different super funds to choose from. There are different accounts that you can set up with the self managed super funds, and each provider does have a a slightly different limitation on that as well. That's okay. Mhmm. Yep. It sometimes changes. So, usually because we've just kind of made some changes to some of our fee structures, so we would kind of consider it. Now sometimes it's then split proportionately. So with the next year, we are looking at doing more of a tiered fee structure. So it would be but the good thing is that it will be based on your pool of money. So if you were to then with your super, with your investment, that takes you up to, like, the next tier, then that would make it cheaper, if that makes sense, because it's kind of like an accumulation of that. But if it was correct. Yes. To make it a little bit more affordable because it's we're then kind of using this farm as a whole, then separate, if that makes sense. So then, like, the more money you have, the cheaper it will be. But if we were to do some research on and it would depend on the type of investment. Investment bonds are sometimes a little bit different to personal investments. But when we do have a chat to you about what you are looking at and which investment option might be the most suitable for you, we would put everything in that statement of advice, and that will show you all the fees and everything like that before you'd obviously make a decision. Yep. Perfect. Any other questions, David? No? That is no problem at all. Now I can see that that document that you signed has come through, which is great. I will get on to my team, obviously, contacting Holly, emailing that stuff to you, and I will also brief you out my con my colleague, Jenna. So probably next week, you will get that email from me just with her direct contact details. If you forget and your email will call me directly, that's fine. Like, if you call the office and ask for me, they will just direct it to her anyway, and my emails will be automatically forwarded to her as well. Yep. Beautiful. Well, thank you so much for your time today, David. Obviously, I hope everything goes well with the IP claim and that you recover soon and get back to everything. But, obviously, let us know how it's all kind of progressing for you as well and if there's anything else you do need help with. Yeah. Yes. First one, I'm having a little girl. Yeah. Yeah. Yep. Thank you very much. Look forward to it, and I look forward to kind of reconnecting with you when I'm back. I'm off for twelve months, and then, obviously, seeing how everything's progressed for you and where everything's at. A bit of a roller coaster, but I'm sure I'm sure it'll be very special. Thank you so much. Thank you, David. We'll speak soon. Alright. 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afternoon. Is this David? This is Veronica from OC Financial. How are you? Yeah.\n\nGood. Thank you. I had you booked in to go over your annual review. Is now still a good time for you? Yep.\n\nPerfect. Now, David, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?\n\nYep. Yep. Perfect. That's exactly what I have here. Now before I just kind of jump into the under review as well, just wanted to obviously see how you are going with everything.\n\nMy colleague, Caden, obviously mentioned that you are kind of going through looking at that IP claim with him with Clearview at the moment and that you are off work. Is that correct? Yeah. And how how long have you been off work for now? Okay.\n\nFour days. And did you get old yeah. What did you say? Sorry, David. Okay.\n\nYes. So the this thirty day waiting period means that you have to be off work for thirty days before you can start claiming on the policy. Now it is typically also paid fifteen sorry, thirty days in arrears. That will be back paid. But the that the the second lot, not the first, because you have to wait for that thirty days before it kicks in.\n\nSo, basically, you have to have been off work for thirty days before you qualify. And then once you've been off work for thirty days, you qualify to make the claim, and then we can kind of put that in, to get the payment sorted for you. With the monthly payment, it is paid thirty days in arrears. So that means that the payment will kick in thirty days after the thirty day waiting period, if that makes sense. You you don't have to have been off you don't have to have been off work for sixty days.\n\nIt's just back paid. So if you are off, let's say, forty days, yes, the payment won't kick in until sixty days, but you will still be paid for those ten days past the thirty days. It is just kind of lagging a little bit, if that makes sense. So did, kind of, Caden go through and send you all the information and everything needed? Yes.\n\nOkay. Perfect. And I think he expressed posted it as well. So, hopefully, if you're in Queensland, it shouldn't be too far off. Obviously, keep a lookout for those documents.\n\nAnd if you have any issues completing it or any questions, just give us a call so then we can kind of help you through the process as quickly as possible. Yep. So you said about six weeks recovery, and it's kind of a is it a hamstring injury? Yep. Okay.\n\nAnd at the moment, are you guys are you okay financially? Are you really struggling? Obviously, you won't have your income for a while kind of cash flow wise. Okay. And do you know how much you have saved at all?\n\nJust the ten days? Okay. Yes. No. Makes it hot.\n\nOkay. Well, do you know if you have much, like, annual leave or anything you could use if need be? Yeah. Okay. That's good.\n\nOkay. That's good. Hopefully no. No. Exactly.\n\nAnd are you seeing a a physio or anything for recovery as well? Yeah. Okay. Okay. That's good.\n\nYep. Yes. Yep. Perfect. No.\n\nThat's good. Now I know Caden is working with you on on that, so that's good. Obviously, let us know how it's all going. We're trying to make it, obviously, as quick as we can for you and trying to get that claim sorted. If it is that you need any, you know, cash flow and budget, which obviously is is a bit hard, but if that's something you need assistance with as well, just let us know, and we can always send you some of my cash loan budget to see if there's anything we can do in that in that area for you.\n\nPerfect. Now I won't try to go through I spent too much of your time today, David. But, essentially, what I want to do is just kind of quickly go through a bit of a fact find to see if there's anything major that has changed since we spoke last time if we do need to make any changes to your advice otherwise. So just kind of bear with me as I run through this. Now when it comes to your personal information, I have you down here as single with True Financial Dependents.\n\nIs that correct? Do they still are they still with you sometimes? Like, are you providing any financial support for three days? Yep. No.\n\nNo. No. I would still say that they are yes. Yeah. No.\n\nYep. Yep. No. Usually, for us, it's more so like, it doesn't matter too much. It's more so just making sure that everything is like, from, like, an insurance point of view and everything like that, it's that if something were to happen to you at the moment, you still have some financial dependency.\n\nLike, they are still relying on you financially. Sorry. Whatever capacity that that would mean, it's still to me, well, you are still they're still needing your financial support. You know? Yeah.\n\nOkay. Now next up, Ken, I have your mom, I believe, Elizabeth nominated. That's still the case as well? Yep. Yep.\n\nAnd her phone number hasn't changed. It still ends in 3. Yep. Perfect. Now, obviously, you are off work at the moment, but before you kind of stopped working about four days ago, are you were you still kind of doing the same occupation otherwise?\n\nLike, you're still employed and working as a leading hand? You're just off work at the moment? Okay. Okay. Beautiful.\n\nAnd how were you finding that? Yeah. So yeah. Beautiful. Yep.\n\nPerfect. And so still with the same company, though? Yep. Perfect. And that's also full time you were working?\n\nThat was also full time that you're employed in that capacity? Yeah. Perfect. Now income, I have at a 100,000. Is that still the case?\n\nDo you know? Does that change? Oh, beautiful. I'll update that. Perfect.\n\nAnd when it comes to assets and liabilities, I do wanna check because last time we spoke, the property was still to be split between you and your ex partner. So did you guys obviously sell that one, and, obviously, you have a new address now? Yep. Okay. Are you did you buy this new place you are at, or are you renting?\n\nOkay. Perfect. So, obviously, the mortgage and the property is gone, so I will update that. Motor vehicle add two motor vehicles at 60,000. Do you still have those?\n\nMhmm. Okay. 18. Okay. Perfect.\n\nAnd anything owing on the motor vehicle? No. Yeah. Okay. No.\n\nThat's all good. And how much is that one worth? Yep. Would you say closer to 30 or close to 20 or, like, 20 5? Alright.\n\nPerfect. Now anything owing on either of them? Okay. And that was is that on the $18 one or the the parts? $18.\n\nOkay. Perfect. Now I also have tools of about $5,000. Yep. And then also savings about 4,000.\n\nThousand. Mhmm. Yep. Do you know roughly how much you have? Perfect.\n\nAnd are you planning on buying another property later with that, or are you just kind of keeping it? Oh, yes. Yeah. Yeah. Lovely.\n\nYeah. Perfect. So that would kinda be like an investment property? Would that kind of be an investment property for you or more like yeah. Yeah.\n\nOkay. Perfect. So investment property. That's great. Any other assets otherwise we haven't gone through, David.\n\nYep. Perfect. And is that just kind of on a platform, or how are you investing in that? Yeah. Okay.\n\nBeautiful. Anything else? That's perfect. Now health and lifestyle, obviously, aside from hamstring at the private health insurance? When it comes to estate planning, I know you had a will before.\n\nDo you know if that's been updated with the change in circumstances? Yeah. That's okay. I'll just put on the to do list. Sometimes life gets gets in the way.\n\nYeah. No. That's all good. Now I do wanna check as well, sorry, when it comes to your insurance and your superannuation. At the moment, we have April nominated.\n\nWould you want to change that? Yep. You you can. The only way is we would have do it a bit differently. So with super and insurances, there are quite strict rules and regulation in terms of who you can actually nominate directly if the insurances are held inside super and with your superannuation.\n\nSo under the CIS Act, you can only nominate a spouse, a child, or someone who are financially dependent on you or you are in a interdependency relationship. Basically, to qualify for that, it must be someone who you who must remain financially dependent on you at the time of your passing. You need to have a close relationship, living together, providing, like, financial, domestic, and personal care support. So if you sorry. But you can still sorry.\n\nIf, for example, your mom doesn't classify in that like, if you don't wanna give it to your children and you want it to go, like, through your through your mom, you can still do it, but the way that we would have to change the nomination is that you would then select a legal personal representative. Basically, what that means is that it reverts back to the will. Then in your will, you can step stipulate exactly what you want. You can say that you want your insurances to go to this person or to to these people. Like, you can you can nominate whoever you want to.\n\nIt would just have to go through the estate because otherwise, super insurance does not form part of the estate. Does that make sense, David? To to set it up. So because it's a legal nominations, and, obviously, we can we can guide you in the the how the structure works. But in terms of setting it up because it's because I'm not a lawyer, I can't do that.\n\nSo I would say the best thing would be to obviously obviously, you have to update the will is to then speak to them about, like, succession or whether you want it to go through your mom, and then she has some stipulations on what to do with the money or whatever it might be so it goes through your kids, you can definitely do do that. That will be the best way. Otherwise, if you do nominate your children directly, which you can, the only thing would be, obviously, if it goes to your kids and they are 18 and they then end up going to the guardianship. So whether that would be your your ex partner, for example, then, obviously, they would have exactly. So I think the best thing would be to definitely go and see a lawyer for the kind of make sure everything is set up correctly and that it goes exactly how you want it.\n\nDo you know a lawyer? Do you know someone who knows someone close by, or would you want us to send you that information again? Yeah. Yeah. Beautiful.\n\nWe can get that sorted. I'll get the team to email that to you. Now what I will also do is I will get the team to repost those forms so that you have them so that we can get that updated when you have spoken to the lawyer as well to change, obviously, from April through whether that is through the will or however you want to structure that. Yeah. Any questions in regards to any of that?\n\nNo? Yep. Perfect. Mhmm. Yes.\n\nFor your personal investments? Mhmm. Yeah. So yes and no. There are limitations on which type of investments we would look at.\n\nSo it kind of depends. There's a lot of different ones we could look at depending on what you are interested in. So, for example, if you wanted to look at a just personal investment account to make it kind of affordable and make it worth it for you as well, obviously, with the fees. Typically, some of them do have a 20,000 limit on it, like a minimum to set it up. No.\n\nThat's so good. On the other side, if you were looking at going down, like, investment bond route, there there's you can literally have $2 as a starting point, and we could still manage that. So it kind of depends on what your goals are, the purpose behind the investment, and what you are wanting to do, then we can most definitely have a look at that for you. Why investment bonds? Yes.\n\nIt's it's different. And it's so each product so depending on which product we would look at. So each kind of provider have different rules. So for example, with Hub twenty four, they have personal investment accounts. They have a limit saying that you have to have 20,000 to set it up.\n\nThe same is with, like, Macquarie if you were to do investment con. So it's more that it's, like, each product provide but with an investment bond because that's a I don't do you know much about investment bonds? So investment bonds are very different. So it's it's kind of confusing because you call it an investment bond, but it has actually nothing to do with bonds per se. So an investment bond is another form of kind of an investment vehicle.\n\nIt is classified as a insurance product, so it does fall under different kind of rules, which is what makes it so tax effective. So investment bonds is something we do for a number of clients as well if they are looking at a little bit longer time frame. So, again, there's a lot of a range of different investment bond products. But how it is is that you basically have a investment bond set up, and within the bond, you can have, like, shares. You can have managed portfolios.\n\nLike, you can have a range of different investments depending on which kind of option you would look to go down through. And how it's tax effective is so a minimum time frame to make it very tax effective is usually ten years. So it would be dependent on how your long term like, how long term you're wanting these investments. But if, for example, you wanted to, let's say, have a ten year time frame, the way that the investment bonds make it quite competitive is that with a personal investment account, so similar to your stocks that you have now, you will obviously, any dividends and stuff that you earn will be added to your taxable income that you have to pay tax on. If you sell investments, you obviously have to pay capital gains tax personally.\n\nNow within the investment bond, it does it kind of gets taxed at a discounted rate within the bond itself, so it's not added to your taxable income. And if you've had it for ten years, if you were to sell it then, there is no capital gains tax associated at all. So it makes it very tax effective for long term investments. Other ways that some people use an investment bond is if you for example, at the moment, with the current legislation, you can't access super until you turn 60. But let's say you want to retire at 50, but, obviously, you can't get income stream from your superannuation.\n\nA lot of people, if they do have that ten year time frame, if they set up an investment bond, then after ten years, you can start drawing an income from that investment bond, which is tax free. And then, obviously, you can kind of draw an income that way before you could potentially start accessing your superannuation. A lot of people also use it for a investment for children. So there's also, like, child bonds, which, again, you can invest for children. And then after ten years, they can get everything tax free as well.\n\nSo there's, like, a lot of different ways you can look at, again, depending on your time frame. Mhmm. It's kind of little bit different. Yeah. And, you know, it's actually going pretty good given the market conditions we've had.\n\nSo that's great. Now with the personal investments, is that something you are wanting to look at now, or are you wanting to kind of when things have sorted itself out with, obviously, the IP claim, if you're back at work and a bit more certainty with cash flow you want to look at? Yeah? So what I can month or two? Yeah.\n\nBeautiful. Now what I can do so I do wanna let you know that on a personal note, I will actually be going on maternity leave in two weeks. Thank you very much. But my colleague Jenna will kind of take over from me. So I'm doing a big handover with her, and everything we've spoken about today, I will brief her on.\n\nI will also send you a a separate email probably sometime next week with her direct contact details so that you have it. If you if you need to make contact, otherwise, you can just call the office, and you will be put through to her anyway. But I will put a little reminder in two months' time to get her to give you a call to talk about the investments and kind of touch base and see how you're going and if you're ready to have a look at it then or, obviously, depending on the injury and how you're going would work, whether you wanna hold off or get. Yep. Okay.\n\nBeautiful. Any questions with any of that? No. Yeah. Alright.\n\nPerfect. Yes. Definitely will. Now anything else that you need help with or any other goals that you have at the moment, David? Mhmm.\n\nYep. Yep. It's it's a bit of a we can definitely assist you with it. So it's kind of where it falls into the category between both us and a mortgage broker. So, obviously, a mortgage broker have you dealt with a mortgage broker before?\n\nYeah. So, obviously, they would obviously, because we don't we can't do lending. So they would obviously run the numbers on how much you can borrow, borrow capacity, and how all of that looks like. Yes. Okay.\n\nBeautiful. From a cash flow point of view? Yes. And we we can definitely have a look at it. So if you obviously have the numbers, make sure it's doable financially.\n\nObviously, if it's positively or negatively geared depending on what the structure and stuff is. Yep. Especially with the changes in budget as well. Alright. Perfect.\n\nSo then we could have a look at that for you from, like, a from a a more like a cash flow wise, whether it makes sense in terms of if it's a good investment because, obviously, we are not property experts in terms of what type of investments would be best or what is good. Then often you would have, like, what do you call it, a buyer's agent or something like that to obviously have a expert in the areas of what you are looking for in terms of the sound investment. But if you have, like, the papers and everything, you can always send it through to us. We can have a look at it and then have a bit of a chat to you. Yes.\n\nHow beautiful. Yes. But, yeah, we can all yeah. That's pretty good. Oh, yeah.\n\nAnd where did you say it was? Where did you say they were? They were on somewhere on the Gold Coast. Oh, yeah. Nice.\n\nPerfect. Mhmm. Yep. Yep. Mhmm.\n\nYeah. That's not yeah. No. That's good. And, yeah, so, definitely, if you have all that information, then it's always something you can send through to us, and we can have have a look through kind of that that property advice side of it.\n\nIf you've already kind of found a property that you are wanting and, obviously, the the lender has, from at least a numbers point of view, says it's viable, then we can definitely have a look at that. So when I send you Jenna's details, you can always just respond to that email as well if you do have anything. And, again, I will kind of talk her through what we've discussed today. Yep. Okay.\n\nBeautiful. Now, otherwise, when it comes to, obviously, your super and your insurances, at the moment, we have you invested in that high growth portfolio. I know last year, we did some advice and kind of went through everything in a lot of detail. So with your risk profile, has anything changed for you, or are you still comfortable remaining in that high growth portfolio, or what are you kind of thinking? Yep.\n\nYep. Okay. Beautiful. Now, David, do you have access to your emails at the moment by any chance? Yep.\n\nOkay. Beautiful. So I have to send you an email with some documents to run through if you could access that for me. And it should come directly from me. And we have changed the software, so it might look a little bit different to what you are used to.\n\nIt's kind of the same, though, where it says request signature or sign documents or something. And then it will just ask you to click on a link, and that link will open up all the documents for you. Yep. Perfect. Now let me know if you can see the first one where it says summary of super and insurances.\n\nYep. 206. And when we spoke last time during annual review, it was at a 113,944. So it's done pretty good given the market conditions in the the last twelve months, so quite happy with that. Now underneath it, you have your Clearview insurances.\n\nSo you have your life and total permanent disability insurance, and you have 879,187. And then you can see your income protection policy there, which is that monthly benefit of 5,221. That's thirty day waiting period, which is good that it is the lowest. Sometimes you can have, like, sixty or ninety days, which, obviously, you have to be off work a lot longer. So so that is good.\n\nAnd you do have it for five years. Hopefully, you don't have to be off work for very long, but you do have that running for for five years as well, which is good. No. So it will stay. The only thing is if your policy is indexed, then what it might mean that if you remain on claim for a long period of time, it might go up just with, like, inflation, but it won't go down.\n\nYes. No. Not on your policy. So with the the ClearView policy we have, it's a flat 70% for the duration of the five years. So it doesn't decrease.\n\nYep. Which is good. Now those funds are paid from within superannuation. You do get that little tax rebate. So all three is 2,873 from hub twenty four for you.\n\nYep. Now if you can go to the next document for me, it should be your performance with IRR with Hub twenty four. Yep. Perfect. Now this one might look a little bit messy, but because you drew some personal investment, it might make a little bit more sense to you, which is great.\n\nBut, essentially, it does give you a a breakdown over the last twelve months. So it breaks down all your individual investments, how they have performed, how much you have in each option over the last twelve months net of fees. Now this one here looks a little bit more extensive than usual, and the reason being is that we did do advice for you back in November. So, obviously, within the last twelve months, we had those investment changes that we went through. So that's why there's, like, a little bit more.\n\nThe good thing is, though, that the one investment that was underperforming, which was the Benelung Australian Equity, we completely sold out of last year, which was great. But you can basically see all the other investments that have done really good. And like I said, overall in the twelve months, and that is, again, with the changes we have made and the market condition, it's still up after fees by 9.07%. So the whole portfolio as a whole, now after fees, it's up by 9.07% in the last twelve months. But that's also that during the last twelve months, we then swapped you out of some of those investments that weren't performing and put you in other ones.\n\nSo that's even within that time frame. So so really happy with that. Yeah. Now if you want to go through the next document for me, it should be your Vanguard index chart, I believe. Next one.\n\nSo the performance yeah. Yep. Yes. Yep. Do you remember seeing this last year?\n\nYep. So it is good. It's just a good visual representation of what we are talking about when we're talking about the market. You can see here that, obviously, over the long term, market always goes up. For short term, there will be some ups and downs and market fluctuations.\n\nNow sometimes you can also see that the biggest drop in the market is then quite closely followed by the incline again, which is good. And how this kind of relates to that high growth portfolio for you is on the right hand side, you have the different asset classes. Now with a high growth portfolio, you do have about 90% invested in a combination of the four. So that is your US shares, which is, like, the light green. You have your Australian shares, which is your dark green, international shares, which is, like, the yellow, and then the property, which is, like, a maroon color.\n\nAnd you can see here that they are the ones that do grow the most, but also fluctuate the most. Yep. And then you do have about 10% in defensive, which is your your cash, your fixed interest, and then gold can kind of come into this as well. Any questions so far? No.\n\nAll good. Perfect. Now the next document should be your ClearView certificate of currency, I believe. Yep. Now this just breaks down your insurance policies in a bit more detail, but basically lets you know that's all paid and up to date.\n\nNow the mhmm. 9.07% after that. Yes. So that's just, like, the growth on your investments. Yes.\n\nAfter fees. Yes. And in a dollar dollar value, so that is not contribution. That's just, again, growth on your investments that equates to that 13,096. Yep.\n\nYep. Perfect. Now the next document, David, should be the Oakview services guide. Yep. You would have seen this one a couple of times.\n\nIt is one of those compliance documents, but it does give you all the important information in regards to us here at Oakview. I'll let you have a read over this in your own time. But, basically, all the information in regards to our directors advisers, everything is in there for you. If you do wanna put a face to the voice again, I am on page 10. But, otherwise, I'll let you have a read over that in your own time, which then takes us to your last document, which should be the one where it says consent to ongoing fee arrangements with hub twenty four.\n\nYeah. So this one here, it's just your ongoing service agreement, which is just to say that you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure for you, David. It stays exactly the same at 1.65 from super, so no changes in regards to that. And it is also not a lock in contract.\n\nSo if at any point in time you are not happy, it is not a lock in contract. But by signing this document here, because it will ask for your little signature if you are happy to do so, It just allows us to manage all your investments and everything for you in the meantime. Yep. Yep. Perfect.\n\nDo you have any questions in regards to any of those documents? No. Okay. Perfect. So, basically, when you when you have a moment or if you have the option to do so, it will just ask you to add a little signature on the document that you are in at the moment.\n\nBut if you're a bit busy sounds like you're a little bit busy at the moment or no? Ah, perfect. So it should just ask you to add a signature, automatically sends you sets up the date. And then, yeah, when you press validate, it should then load and and back to me. Just is it just loading?\n\nOkay. Yeah. So, basically, just kind of recapping that I will get to the team to email you the the lawyer information again, repost the beneficiary form for your super and insurances so we can get that sorted. And I will also put a reminder if we haven't heard from you before in about two months' time for my colleague, Jenna, to reach out to talk a bit more about personal investment options and having a look at any of that kind of property side of things as well for you. Yeah.\n\nMhmm. Okay. Yes. Yep. Mhmm.\n\nYep. Mhmm. Yeah. Yeah. Yeah.\n\nYes. That would be great. Yeah. That yeah. Perfect.\n\nWe can definitely do that. Hopefully, we can help her as well. And if it is that she, you know, does come on board, there is a little gift voucher for you as well to say thank you as a little referral bonus, which is which is lovely. But if you want to give me her her name and phone number and email, if you have it and best contact time, if she has one, then I can get the team to reach out and see how we can best help her as well. Yes.\n\nYep. Yep. So I can definitely get them to email email her first, and then she can respond to that with what works best for her. Yep. Holly Mercer.\n\nAnd last name, how is that spelled? Yep. Oh, beautiful. And best email and contact number if you know? Sure.\n\nThat's good. Yeah. No. That's okay. Take your time.\n\nYep. Yeah. Just hold in, Melissa. Eighty six. Yep.\n\n@gmail.com. Perfect. And phone number as well if you have it, but we'll email her first. Eight two six five 552. Beautiful.\n\nI will pass that on to our onboarding team. I will get them to send her a little email, and then they can kind of tie up a time that works best for her. We'll do a bit of a introduction. Everything is completely complimentary as well. But it's always, like, a good free review if anything where we have a bit of a chat to her, see what her goals are, see what her situation is like.\n\nWe'll then put together a research proposal similar to what we did for you when you came on board. And there's obviously no obligation, and it's only after if she is happy to go ahead that there would then be, obviously, the fee. So everything up until she decides if she wants to come on board is completely complimentary. Yeah. Beautiful.\n\nDo you remember what the name is? And I can check. Jordan. I might need the first name as well, but, usually, we do if it is that a client because, obviously, we note down right away who's referred. So I will I will check with the team if there is any records of anyone's Jordan Robinson.\n\nI will have a look at the team. Just for privacy, I can't tell you tell you anything, but I will check. And if it was that the person who you referred did sign on, usually, we would have sent through the certificate right away. So as soon as a client does sign sign on, we will send you that gift card. I will triple check it for you, though.\n\nAnd if it was that they did sign on board and you haven't got anything, then I will chase that for you. Otherwise yeah. But thanks for for letting me know, and I will check. But when I sent their email to the onboarding team for Holly, I will note down that you have referred her so that if she does come on board, it will obviously go the gift card to you. Yeah.\n\nYeah. Yeah. And and that's just that's that's good as well. And, hopefully, we can help her similar to what we have for you. And, obviously, because you are a client, you can also, obviously, tell her your experience and everything personally, which is great.\n\nAnd if there is that you guys ever wanna work on joint strategies and stuff, sometimes that's, you know, we can always do joint under reviews and stuff like that with couples if that's ever, you know, something you guys want as well. Yep. Beautiful. Now do you have anything else for me, David, before I let you go and enjoy your afternoon? Mhmm.\n\nSo with the the property, are you thinking, obviously, outside super, so not inside superannuation? Yeah. Do you know which type of trust structure? Mhmm. Yep.\n\nYep. So it and that's for buying a property? So because there are it gets quite complicated depending on which trust structure you are looking at with the new changes. Family like, your testamentary trust weren't part of the budget where they are making changes. They were making quite a lot of changes to other trust structure.\n\nSo so if you guys are looking at discretionary trusts, then they have made changes in regards to that for especially when it comes to kind of low income earners, the minimum rate being the 30% whereas before, if you are not working on low income, you could obviously kind of then distribute the earnings through the low income earner, and kind of use that in a tax effective way. So they have changed the rules in regards to that for discretionary co correct just to kinda limit the tax benefit as much, I guess. From, like, the discretionary trust into who it is. They they yeah. They have tied it a lot of things with the budget, so there's a lot of changes, especially even with, like, self managed super funds as well.\n\nSo if you ever wanted to before, you could obviously set up a property within a self managed super fund, and you can use a borrowing arrangement to buy a property through your self managed super fund, that has changed. So the only way you could now buy a property through a self managed super fund if you want to borrow money is through commercial property. You can't do it for residential property anymore. So the only way yeah. So if you wanted to do, like, an investment property through a self managed superfund, you can't borrow for us anymore.\n\nSo they've made quite a few changes, and, yeah, that changed that had to have been in place the tenth of this month. So they've made that a little bit harder as well. Yeah. So, like, if if you wanted to do it today so let's say you and Holly wanted to combine your supers and do a self managed super fund, and you wanted to have a property as part of your portfolio within the self managed super fund, but you obviously wanted to or needed to borrow against it. So you didn't have enough for, obviously, the property.\n\nYou were then you used to have a loan agreement outside superannuation through, obviously, finance and buy the investment property, and that would obviously kind of be filtered through a different cash account where you had obviously payments and everything going in. That, you can't do anymore. So you can't have that loan arrangement for a residential property. It has to be commercial. So, yeah, that makes that quite quite different as well.\n\nSo a lot of changes. Yeah. Mhmm. So with the self managed super fund, you can't have a property through a self managed super fund if you live in it. It has so even with alright.\n\nOkay. Does she already have the property within a self managed super fund, or that was something she was looking at doing? No. And does she have a loan attached to it? Yes.\n\nSo unless what's in her super will pay off the loan completely, then no. So yeah. Yeah. But, obviously, depends on because, obviously, I can't give any personal advice for her because, obviously, I don't know her full situation and stuff like that. Yeah.\n\nNo. Perfect. It would depend on which product you would have have it with. So often, some people just have a property, and then they have the minimum cash associated with whatever product. So whichever platform they use for, obviously, the cash flow and everything with the self managed super fund, They sometimes have a minimum balance.\n\nLike, we'd have 24 even with your account, they have a minimum of of 1.25% that has to be in cash to account. Usually not. Like, you unless it's, like, a different product, but a lot of the ones that we have for clients with self managed super funds, the bigger issue is more so, obviously, liquidity and diversification. Because if you had everything in just the property and something would've happened to the property market, like, even now, we're obviously seeing a bit of bit of prices coming down for for property. Obviously, if you have all your super completely locked into a property and you need to access that money for some reason, it's obviously very it's not very liquid.\n\nYou can't just sell something quickly and get the money, and everything is tied up into the property. So a lot of the times, people will have a property and an investment account with the self managed super fund, but not everyone does it. Some people just have a investment account. Some people just have a property. But in terms of their percentage, it would depend on each like, the provider that they have the self managed super funds because there's a lot of different yeah.\n\nAgain, it's kind of similar to your hub 24. There's hundreds of different super funds to choose from. There are different accounts that you can set up with the self managed super funds, and each provider does have a a slightly different limitation on that as well. That's okay. Mhmm.\n\nYep. It sometimes changes. So, usually because we've just kind of made some changes to some of our fee structures, so we would kind of consider it. Now sometimes it's then split proportionately. So with the next year, we are looking at doing more of a tiered fee structure.\n\nSo it would be but the good thing is that it will be based on your pool of money. So if you were to then with your super, with your investment, that takes you up to, like, the next tier, then that would make it cheaper, if that makes sense, because it's kind of like an accumulation of that. But if it was correct. Yes. To make it a little bit more affordable because it's we're then kind of using this farm as a whole, then separate, if that makes sense.\n\nSo then, like, the more money you have, the cheaper it will be. But if we were to do some research on and it would depend on the type of investment. Investment bonds are sometimes a little bit different to personal investments. But when we do have a chat to you about what you are looking at and which investment option might be the most suitable for you, we would put everything in that statement of advice, and that will show you all the fees and everything like that before you'd obviously make a decision. Yep.\n\nPerfect. Any other questions, David? No? That is no problem at all. Now I can see that that document that you signed has come through, which is great.\n\nI will get on to my team, obviously, contacting Holly, emailing that stuff to you, and I will also brief you out my con my colleague, Jenna. So probably next week, you will get that email from me just with her direct contact details. If you forget and your email will call me directly, that's fine. Like, if you call the office and ask for me, they will just direct it to her anyway, and my emails will be automatically forwarded to her as well. Yep.\n\nBeautiful. Well, thank you so much for your time today, David. Obviously, I hope everything goes well with the IP claim and that you recover soon and get back to everything. But, obviously, let us know how it's all kind of progressing for you as well and if there's anything else you do need help with. Yeah.\n\nYes. First one, I'm having a little girl. Yeah. Yeah. Yep.\n\nThank you very much. Look forward to it, and I look forward to kind of reconnecting with you when I'm back. I'm off for twelve months, and then, obviously, seeing how everything's progressed for you and where everything's at. A bit of a roller coaster, but I'm sure I'm sure it'll be very special. Thank you so much.\n\nThank you, David. We'll speak soon. Alright. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":2.3999999,"end":3.12,"sentiment":"neutral","sentiment_score":0.2783437594771385},{"text":"Is this David?","start":3.12,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.16105823715527853},{"text":"This is Veronica from OC Financial.","start":6.64,"end":8.82,"sentiment":"neutral","sentiment_score":0.12797070170442262},{"text":"How are you?","start":9.12,"end":9.94,"sentiment":"neutral","sentiment_score":0.14875589807828268},{"text":"Yeah.","start":13.04,"end":13.44,"sentiment":"neutral","sentiment_score":0.3219948709011078}],"sentiment":"neutral","sentiment_score":0.1717299337188403,"num_words":15,"start":2.3999999,"end":13.44},{"sentences":[{"text":"Good.","start":13.44,"end":13.759999,"sentiment":"positive","sentiment_score":0.5988610982894897},{"text":"Thank you.","start":13.759999,"end":14.5,"sentiment":"positive","sentiment_score":0.6999908983707428},{"text":"I had you booked in to go over your annual review.","start":15.36,"end":18.574999,"sentiment":"positive","sentiment_score":0.47324611382050946},{"text":"Is now still a good time for you?","start":18.574999,"end":20.355,"sentiment":"positive","sentiment_score":0.3865935504436493},{"text":"Yep.","start":22.015,"end":22.515,"sentiment":"neutral","sentiment_score":0.14046838879585266}],"sentiment":"positive","sentiment_score":0.4538159538870272,"num_words":23,"start":13.44,"end":22.515},{"sentences":[{"text":"Perfect.","start":23.295,"end":23.795,"sentiment":"positive","sentiment_score":0.5033884048461914},{"text":"Now, David, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":24.494999,"end":32.14,"sentiment":"neutral","sentiment_score":0.039675925248141945},{"text":"Yep.","start":33.72,"end":34.2,"sentiment":"neutral","sentiment_score":0.10865073651075365},{"text":"Perfect.","start":34.2,"end":34.68,"sentiment":"neutral","sentiment_score":0.29955294728279114},{"text":"And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?","start":34.68,"end":41.9,"sentiment":"neutral","sentiment_score":0.09004551599974986}],"sentiment":"neutral","sentiment_score":0.07615970936998473,"num_words":59,"start":23.295,"end":41.9},{"sentences":[{"text":"Yep.","start":49.495,"end":49.995,"sentiment":"neutral","sentiment_score":0.03118479624390602},{"text":"Yep.","start":56.855,"end":57.355,"sentiment":"neutral","sentiment_score":0.14396944642066956},{"text":"Perfect.","start":57.68,"end":58.0,"sentiment":"positive","sentiment_score":0.487140417098999},{"text":"That's exactly what I have here.","start":58.0,"end":59.94,"sentiment":"positive","sentiment_score":0.47301341593265533},{"text":"Now before I just kind of jump into the under review as well, just wanted to obviously see how you are going with everything.","start":60.719997,"end":67.44,"sentiment":"neutral","sentiment_score":0.03699482325464487}],"sentiment":"neutral","sentiment_score":0.13297730040821162,"num_words":33,"start":49.495,"end":67.44},{"sentences":[{"text":"My colleague, Caden, obviously mentioned that you are kind of going through looking at that IP claim with him with Clearview at the moment and that you are off work.","start":67.44,"end":77.705,"sentiment":"neutral","sentiment_score":-0.08978313741584619},{"text":"Is that correct?","start":77.705,"end":78.605,"sentiment":"neutral","sentiment_score":-0.04421496639649073},{"text":"Yeah.","start":80.505005,"end":81.005005,"sentiment":"neutral","sentiment_score":-0.020210955291986465},{"text":"And how how long have you been off work for now?","start":81.465004,"end":84.78,"sentiment":"neutral","sentiment_score":-0.06889433108947494},{"text":"Okay.","start":90.54,"end":91.04,"sentiment":"neutral","sentiment_score":-0.0388641282916069}],"sentiment":"neutral","sentiment_score":-0.07919677711375382,"num_words":46,"start":67.44,"end":91.04},{"sentences":[{"text":"Four days.","start":91.74,"end":92.54,"sentiment":"neutral","sentiment_score":-0.043678879737854004},{"text":"And did you get old yeah.","start":92.54,"end":95.119995,"sentiment":"neutral","sentiment_score":-0.06137456186115742},{"text":"What did you say?","start":96.06,"end":96.78,"sentiment":"neutral","sentiment_score":-0.06804708950221539},{"text":"Sorry, David.","start":96.78,"end":97.455,"sentiment":"neutral","sentiment_score":-0.09780795872211456},{"text":"Okay.","start":106.655,"end":107.155,"sentiment":"neutral","sentiment_score":-0.03475343436002731}],"sentiment":"neutral","sentiment_score":-0.06387752269705137,"num_words":15,"start":91.74,"end":107.155},{"sentences":[{"text":"Yes.","start":113.479996,"end":113.979996,"sentiment":"neutral","sentiment_score":-0.004545621573925018},{"text":"So the this thirty day waiting period means that you have to be off work for thirty days before you can start claiming on the policy.","start":122.6,"end":133.905,"sentiment":"neutral","sentiment_score":-0.10567827995579976},{"text":"Now it is typically also paid fifteen sorry, thirty days in arrears.","start":134.685,"end":141.31,"sentiment":"neutral","sentiment_score":-0.10412897790471713},{"text":"That will be back paid.","start":142.33,"end":144.19,"sentiment":"neutral","sentiment_score":-0.058965448290109634},{"text":"But the that the the second lot, not the first, because you have to wait for that thirty days before it kicks in.","start":144.89,"end":151.87001,"sentiment":"neutral","sentiment_score":-0.101652382346599}],"sentiment":"neutral","sentiment_score":-0.09902329359259178,"num_words":67,"start":113.479996,"end":151.87001},{"sentences":[{"text":"So, basically, you have to have been off work for thirty days before you qualify.","start":152.175,"end":156.595,"sentiment":"neutral","sentiment_score":-0.11571218793590864},{"text":"And then once you've been off work for thirty days, you qualify to make the claim, and then we can kind of put that in, to get the payment sorted for you.","start":157.61499,"end":169.14,"sentiment":"neutral","sentiment_score":0.03142755247608875},{"text":"With the monthly payment, it is paid thirty days in arrears.","start":169.92,"end":174.81999,"sentiment":"neutral","sentiment_score":0.004109297371046109},{"text":"So that means that the payment will kick in thirty days after the thirty day waiting period, if that makes sense.","start":174.95999,"end":184.365,"sentiment":"neutral","sentiment_score":-0.02325188492735227},{"text":"You you don't have to have been off you don't have to have been off work for sixty days.","start":186.905,"end":192.39,"sentiment":"neutral","sentiment_score":-0.1473913749581889}],"sentiment":"neutral","sentiment_score":-0.04054616914696193,"num_words":98,"start":152.175,"end":192.39},{"sentences":[{"text":"It's just back paid.","start":192.39,"end":193.59,"sentiment":"neutral","sentiment_score":-0.08241275697946548},{"text":"So if you are off, let's say, forty days, yes, the payment won't kick in until sixty days, but you will still be paid for those ten days past the thirty days.","start":193.59,"end":203.85,"sentiment":"neutral","sentiment_score":-0.12794515991117805},{"text":"It is just kind of lagging a little bit, if that makes sense.","start":204.07,"end":207.17499,"sentiment":"negative","sentiment_score":-0.38917991132117236},{"text":"So did, kind of, Caden go through and send you all the information and everything needed?","start":211.555,"end":217.33499,"sentiment":"neutral","sentiment_score":0.10421361308544874},{"text":"Yes.","start":220.275,"end":220.775,"sentiment":"neutral","sentiment_score":0.12160465121269226}],"sentiment":"neutral","sentiment_score":-0.11657897775258982,"num_words":66,"start":192.39,"end":220.775},{"sentences":[{"text":"Okay.","start":221.235,"end":221.61,"sentiment":"neutral","sentiment_score":0.27164578437805176},{"text":"Perfect.","start":221.85,"end":222.35,"sentiment":"positive","sentiment_score":0.4569408893585205},{"text":"And I think he expressed posted it as well.","start":222.81,"end":225.29,"sentiment":"neutral","sentiment_score":0.24299379189809164},{"text":"So, hopefully, if you're in Queensland, it shouldn't be too far off.","start":225.29,"end":230.65,"sentiment":"neutral","sentiment_score":0.11085804055134456},{"text":"Obviously, keep a lookout for those documents.","start":230.65,"end":233.69,"sentiment":"neutral","sentiment_score":0.1284804716706276}],"sentiment":"neutral","sentiment_score":0.1715063529709975,"num_words":30,"start":221.235,"end":233.69},{"sentences":[{"text":"And if you have any issues completing it or any questions, just give us a call so then we can kind of help you through the process as quickly as possible.","start":233.69,"end":241.795,"sentiment":"neutral","sentiment_score":0.18574102679567953},{"text":"Yep.","start":244.095,"end":244.595,"sentiment":"neutral","sentiment_score":0.006171972490847111},{"text":"So you said about six weeks recovery, and it's kind of a is it a hamstring injury?","start":245.535,"end":250.5,"sentiment":"neutral","sentiment_score":-0.1347503438591957},{"text":"Yep.","start":253.04001,"end":253.44,"sentiment":"neutral","sentiment_score":-0.0012583776842802763},{"text":"Okay.","start":253.44,"end":253.94,"sentiment":"neutral","sentiment_score":-0.0013796836137771606}],"sentiment":"neutral","sentiment_score":0.0680539195343633,"num_words":51,"start":233.69,"end":253.94},{"sentences":[{"text":"And at the moment, are you guys are you okay financially?","start":255.04001,"end":262.985,"sentiment":"neutral","sentiment_score":-0.04680677977475253},{"text":"Are you really struggling?","start":263.365,"end":264.585,"sentiment":"negative","sentiment_score":-0.33333877474069595},{"text":"Obviously, you won't have your income for a while kind of cash flow 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good.","start":300.245,"end":301.145,"sentiment":"positive","sentiment_score":0.4791489690542221}],"sentiment":"neutral","sentiment_score":0.05332182607768724,"num_words":24,"start":289.845,"end":301.145},{"sentences":[{"text":"Okay.","start":301.76498,"end":302.26498,"sentiment":"neutral","sentiment_score":0.3049100637435913},{"text":"That's good.","start":302.405,"end":303.06,"sentiment":"positive","sentiment_score":0.40685930848121643},{"text":"Hopefully no.","start":303.46,"end":307.88,"sentiment":"neutral","sentiment_score":-0.15314308367669582},{"text":"No.","start":307.94,"end":308.41998,"sentiment":"neutral","sentiment_score":-0.045258115977048874},{"text":"Exactly.","start":308.41998,"end":308.91998,"sentiment":"neutral","sentiment_score":-0.013477134518325329}],"sentiment":"neutral","sentiment_score":0.10765818040817976,"num_words":7,"start":301.76498,"end":308.91998},{"sentences":[{"text":"And are you seeing a a physio or anything for recovery as well?","start":309.22,"end":315.08,"sentiment":"neutral","sentiment_score":-0.00013479597579974396},{"text":"Yeah.","start":315.62,"end":316.02,"sentiment":"neutral","sentiment_score":0.04215254634618759},{"text":"Okay.","start":316.02,"end":316.52,"sentiment":"neutral","sentiment_score":0.06752161681652069},{"text":"Okay.","start":317.06,"end":317.475,"sentiment":"neutral","sentiment_score":0.11265519261360168},{"text":"That's good.","start":317.475,"end":318.295,"sentiment":"positive","sentiment_score":0.34906940162181854}],"sentiment":"neutral","sentiment_score":0.05103976729636391,"num_words":18,"start":309.22,"end":318.295},{"sentences":[{"text":"Yep.","start":330.035,"end":330.535,"sentiment":"neutral","sentiment_score":0.028010055422782894},{"text":"Yes.","start":332.995,"end":333.27,"sentiment":"neutral","sentiment_score":0.08362102508544922},{"text":"Yep.","start":333.75,"end":334.25,"sentiment":"neutral","sentiment_score":0.11652962863445282},{"text":"Perfect.","start":334.31,"end":334.81,"sentiment":"neutral","sentiment_score":0.28384196758270264},{"text":"No.","start":335.11,"end":335.34998,"sentiment":"neutral","sentiment_score":0.2043245434761047}],"sentiment":"neutral","sentiment_score":0.14326544404029845,"num_words":5,"start":330.035,"end":335.34998},{"sentences":[{"text":"That's good.","start":335.34998,"end":336.16998,"sentiment":"neutral","sentiment_score":0.3241414576768875},{"text":"Now I know Caden is working with you on on that, so that's good.","start":337.03,"end":340.15,"sentiment":"positive","sentiment_score":0.4744661109788077},{"text":"Obviously, let us know how it's all going.","start":340.15,"end":341.99,"sentiment":"neutral","sentiment_score":0.2642979323863983},{"text":"We're trying to make it, obviously, as quick as we can for you and trying to get that claim sorted.","start":341.99,"end":348.49,"sentiment":"neutral","sentiment_score":0.25731148198246956},{"text":"If it is that you need any, you know, cash flow and budget, which obviously is is a bit hard, but if that's something you need assistance with as well, just let us know, and we can always send you some of my cash loan budget to see if there's anything we can do in that in that area for you.","start":349.20502,"end":365.84998,"sentiment":"neutral","sentiment_score":0.06666538882695261}],"sentiment":"neutral","sentiment_score":0.17731438367849306,"num_words":105,"start":335.34998,"end":365.84998},{"sentences":[{"text":"Perfect.","start":368.71,"end":369.21,"sentiment":"neutral","sentiment_score":0.3091578483581543},{"text":"Now I won't try to go through I spent too much of your time today, David.","start":369.75,"end":374.81,"sentiment":"neutral","sentiment_score":0.06253942614421248},{"text":"But, essentially, what I want to do is just kind of quickly go through a bit of a fact find to see if there's anything major that has changed since we spoke last time if we do need to make any changes to your advice otherwise.","start":375.75,"end":388.305,"sentiment":"neutral","sentiment_score":-0.011478630380462046},{"text":"So just kind of bear with me as I run through this.","start":388.925,"end":394.0,"sentiment":"neutral","sentiment_score":0.00012182723730802478},{"text":"Now when it comes to your personal information, I have you down here as single with True Financial Dependents.","start":394.0,"end":400.26,"sentiment":"neutral","sentiment_score":0.041042596886032505}],"sentiment":"neutral","sentiment_score":0.01662811634943206,"num_words":94,"start":368.71,"end":400.26},{"sentences":[{"text":"Is that correct?","start":400.32,"end":401.14,"sentiment":"neutral","sentiment_score":0.0342515055090189},{"text":"Do they still are they still with you sometimes?","start":410.25497,"end":413.31497,"sentiment":"neutral","sentiment_score":-0.022346400552325778},{"text":"Like, are you providing any financial support for three days?","start":413.375,"end":417.455,"sentiment":"neutral","sentiment_score":-0.0026133582927286626},{"text":"Yep.","start":417.455,"end":417.85498,"sentiment":"neutral","sentiment_score":0.0041635045781731606},{"text":"No.","start":417.85498,"end":417.99,"sentiment":"neutral","sentiment_score":-0.07188315689563751}],"sentiment":"neutral","sentiment_score":-0.008009013487026095,"num_words":24,"start":400.32,"end":417.99},{"sentences":[{"text":"No.","start":418.31,"end":418.38998,"sentiment":"neutral","sentiment_score":-0.1029513254761696},{"text":"No.","start":418.38998,"end":418.88998,"sentiment":"neutral","sentiment_score":-0.11911888420581818},{"text":"I would still say that they are 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like, an insurance point of view and everything like that, it's that if something were to happen to you at the moment, you still have some financial dependency.","start":438.185,"end":451.27,"sentiment":"neutral","sentiment_score":-0.06780662874762829}],"sentiment":"neutral","sentiment_score":-0.06315371402780767,"num_words":54,"start":433.30502,"end":451.27},{"sentences":[{"text":"Like, they are still relying on you financially.","start":451.41,"end":453.35,"sentiment":"neutral","sentiment_score":-0.17436951398849487},{"text":"Sorry.","start":453.57,"end":453.97,"sentiment":"neutral","sentiment_score":-0.08376156538724899},{"text":"Whatever capacity that that would mean, it's still to me, well, you are still they're still needing your financial support.","start":453.97,"end":460.635,"sentiment":"neutral","sentiment_score":-0.08968461751937866},{"text":"You know?","start":461.015,"end":461.755,"sentiment":"neutral","sentiment_score":-0.03094280418008566},{"text":"Yeah.","start":463.015,"end":463.415,"sentiment":"neutral","sentiment_score":0.035316213965415955}],"sentiment":"neutral","sentiment_score":-0.10309310693992302,"num_words":32,"start":451.41,"end":463.415},{"sentences":[{"text":"Okay.","start":463.415,"end":463.915,"sentiment":"neutral","sentiment_score":0.04818813130259514},{"text":"Now next up, Ken, I have your mom, I believe, Elizabeth nominated.","start":464.215,"end":468.45502,"sentiment":"neutral","sentiment_score":0.08983346757789452},{"text":"That's still the case as well?","start":468.45502,"end":470.075,"sentiment":"neutral","sentiment_score":0.04797454426685969},{"text":"Yep.","start":471.815,"end":472.315,"sentiment":"neutral","sentiment_score":0.04276543855667114},{"text":"Yep.","start":473.255,"end":473.575,"sentiment":"neutral","sentiment_score":0.017680026590824127}],"sentiment":"neutral","sentiment_score":0.07021345109457061,"num_words":21,"start":463.415,"end":473.575},{"sentences":[{"text":"And her phone number hasn't changed.","start":473.575,"end":475.59,"sentiment":"neutral","sentiment_score":-0.015763172258933384},{"text":"It still ends in 3.","start":475.59,"end":477.21,"sentiment":"neutral","sentiment_score":-0.018157374858856202},{"text":"Yep.","start":477.27,"end":477.66998,"sentiment":"neutral","sentiment_score":0.03309761732816696},{"text":"Perfect.","start":477.66998,"end":478.16998,"sentiment":"neutral","sentiment_score":0.13967624306678772},{"text":"Now, obviously, you are off work at the moment, but before you kind of stopped working about four days ago, are you were you still kind of doing the same occupation otherwise?","start":478.71,"end":487.44998,"sentiment":"neutral","sentiment_score":-0.0670686275116168}],"sentiment":"neutral","sentiment_score":-0.047973069507214756,"num_words":45,"start":473.575,"end":487.44998},{"sentences":[{"text":"Like, you're still employed and working as a leading hand?","start":487.50998,"end":491.225,"sentiment":"neutral","sentiment_score":-0.04619412086904049},{"text":"You're just off work at the moment?","start":491.225,"end":492.92502,"sentiment":"neutral","sentiment_score":-0.07485734245606832},{"text":"Okay.","start":496.585,"end":497.085,"sentiment":"neutral","sentiment_score":-0.049904145300388336},{"text":"Okay.","start":504.68,"end":505.08,"sentiment":"neutral","sentiment_score":0.07693794369697571},{"text":"Beautiful.","start":505.08,"end":505.58,"sentiment":"neutral","sentiment_score":0.289809912443161}],"sentiment":"neutral","sentiment_score":-0.03345494475215673,"num_words":20,"start":487.50998,"end":505.58},{"sentences":[{"text":"And how were you finding that?","start":505.87997,"end":508.37997,"sentiment":"neutral","sentiment_score":0.16558528194824854},{"text":"Yeah.","start":511.15997,"end":511.65997,"sentiment":"neutral","sentiment_score":0.03161240369081497},{"text":"So yeah.","start":513.8,"end":514.215,"sentiment":"neutral","sentiment_score":0.04693361185491085},{"text":"Beautiful.","start":514.61505,"end":515.11505,"sentiment":"neutral","sentiment_score":0.20086130499839783},{"text":"Yep.","start":519.09503,"end":519.59503,"sentiment":"neutral","sentiment_score":0.07846228778362274}],"sentiment":"neutral","sentiment_score":0.1271195374429226,"num_words":11,"start":505.87997,"end":519.59503},{"sentences":[{"text":"Perfect.","start":519.73505,"end":520.23505,"sentiment":"neutral","sentiment_score":0.15641190111637115},{"text":"And so still with the same company, though?","start":520.375,"end":522.47504,"sentiment":"neutral","sentiment_score":0.03715596720576286},{"text":"Yep.","start":523.655,"end":523.895,"sentiment":"neutral","sentiment_score":0.07671196758747101},{"text":"Perfect.","start":523.895,"end":524.29504,"sentiment":"neutral","sentiment_score":0.1876242756843567},{"text":"And that's also full time you were working?","start":524.29504,"end":527.79,"sentiment":"neutral","sentiment_score":0.05288342060521245}],"sentiment":"neutral","sentiment_score":0.06005596036189481,"num_words":19,"start":519.73505,"end":527.79},{"sentences":[{"text":"That was also full time that you're employed in that capacity?","start":530.02997,"end":533.41,"sentiment":"neutral","sentiment_score":0.01153204691680995},{"text":"Yeah.","start":533.47,"end":533.70996,"sentiment":"neutral","sentiment_score":0.09066983312368392},{"text":"Perfect.","start":533.70996,"end":534.20996,"sentiment":"neutral","sentiment_score":0.2096422016620636},{"text":"Now income, I have at a 100,000.","start":535.23,"end":538.76996,"sentiment":"neutral","sentiment_score":0.03683647646435669},{"text":"Is that still the case?","start":538.91,"end":540.26996,"sentiment":"neutral","sentiment_score":0.017405543476343155}],"sentiment":"neutral","sentiment_score":0.030881904140114783,"num_words":25,"start":530.02997,"end":540.26996},{"sentences":[{"text":"Do you know?","start":540.26996,"end":540.75,"sentiment":"neutral","sentiment_score":-0.004732866461078326},{"text":"Does that change?","start":540.75,"end":541.685,"sentiment":"neutral","sentiment_score":-0.01661510206758976},{"text":"Oh, beautiful.","start":544.225,"end":545.045,"sentiment":"positive","sentiment_score":0.615669310092926},{"text":"I'll update that.","start":545.345,"end":546.645,"sentiment":"positive","sentiment_score":0.5486254692077637},{"text":"Perfect.","start":550.785,"end":551.285,"sentiment":"positive","sentiment_score":0.5710449814796448}],"sentiment":"neutral","sentiment_score":0.28201800864189863,"num_words":12,"start":540.26996,"end":551.285},{"sentences":[{"text":"And when it comes to assets and liabilities, I do wanna check because last time we spoke, the property was still to be split between you and your ex partner.","start":552.705,"end":567.26,"sentiment":"neutral","sentiment_score":0.055746910721063615},{"text":"So did you guys obviously sell that one, and, obviously, you have a new address now?","start":569.56,"end":574.285,"sentiment":"neutral","sentiment_score":0.005520026315934956},{"text":"Yep.","start":575.625,"end":575.945,"sentiment":"neutral","sentiment_score":0.013975176960229874},{"text":"Okay.","start":575.945,"end":576.445,"sentiment":"neutral","sentiment_score":0.012065247632563114},{"text":"Are you did you buy this new place you are at, or are you renting?","start":576.665,"end":580.845,"sentiment":"neutral","sentiment_score":-0.01247136282424132}],"sentiment":"neutral","sentiment_score":0.025392027379619698,"num_words":63,"start":552.705,"end":580.845},{"sentences":[{"text":"Okay.","start":581.46497,"end":581.945,"sentiment":"neutral","sentiment_score":0.06452462077140808},{"text":"Perfect.","start":581.945,"end":582.445,"sentiment":"neutral","sentiment_score":0.22208969295024872},{"text":"So, obviously, the mortgage and the property is gone, so I will update that.","start":582.985,"end":588.81,"sentiment":"neutral","sentiment_score":0.032188656606844494},{"text":"Motor vehicle add two motor vehicles at 60,000.","start":590.15,"end":594.25,"sentiment":"neutral","sentiment_score":0.020881090546026826},{"text":"Do you still have those?","start":594.31,"end":595.69,"sentiment":"neutral","sentiment_score":0.003255503810942173}],"sentiment":"neutral","sentiment_score":0.031744198263462246,"num_words":29,"start":581.46497,"end":595.69},{"sentences":[{"text":"Mhmm.","start":600.935,"end":601.435,"sentiment":"neutral","sentiment_score":-0.03300691768527031},{"text":"Okay.","start":605.17505,"end":605.67505,"sentiment":"neutral","sentiment_score":-0.10189409554004668},{"text":"18.","start":612.85504,"end":613.35504,"sentiment":"neutral","sentiment_score":0.005884277634322643},{"text":"Okay.","start":613.64,"end":613.8,"sentiment":"neutral","sentiment_score":0.05189540982246399},{"text":"Perfect.","start":613.8,"end":614.3,"sentiment":"neutral","sentiment_score":0.18854115903377533}],"sentiment":"neutral","sentiment_score":0.022283966653048992,"num_words":5,"start":600.935,"end":614.3},{"sentences":[{"text":"And anything owing on the motor vehicle?","start":614.44,"end":616.62,"sentiment":"neutral","sentiment_score":0.03625972116632121},{"text":"No.","start":620.92,"end":621.42,"sentiment":"neutral","sentiment_score":-0.08717986941337585},{"text":"Yeah.","start":622.2,"end":622.7,"sentiment":"neutral","sentiment_score":-0.003459024243056774},{"text":"Okay.","start":622.76,"end":623.08,"sentiment":"neutral","sentiment_score":0.004579188302159309},{"text":"No.","start":623.08,"end":623.32,"sentiment":"neutral","sentiment_score":-0.020876552909612656}],"sentiment":"neutral","sentiment_score":0.013352889990942045,"num_words":11,"start":614.44,"end":623.32},{"sentences":[{"text":"That's all good.","start":623.32,"end":623.96,"sentiment":"neutral","sentiment_score":0.10483886301517487},{"text":"And how much is that one worth?","start":623.96,"end":625.42,"sentiment":"neutral","sentiment_score":-0.0053224632782595495},{"text":"Yep.","start":635.965,"end":636.465,"sentiment":"neutral","sentiment_score":0.005592954810708761},{"text":"Would you say closer to 30 or close to 20 or, like, 20 5?","start":636.765,"end":645.5,"sentiment":"neutral","sentiment_score":-0.01697246078401804},{"text":"Alright.","start":645.72003,"end":646.04004,"sentiment":"neutral","sentiment_score":0.06918559968471527}],"sentiment":"neutral","sentiment_score":0.004400901908341508,"num_words":26,"start":623.32,"end":646.04004},{"sentences":[{"text":"Perfect.","start":646.04004,"end":646.54004,"sentiment":"neutral","sentiment_score":0.17379634082317352},{"text":"Now anything owing on either of them?","start":647.48004,"end":649.98004,"sentiment":"neutral","sentiment_score":0.012034126158271517},{"text":"Okay.","start":654.52,"end":655.005,"sentiment":"neutral","sentiment_score":0.004636475816369057},{"text":"And that was is that on the $18 one or the the parts?","start":655.005,"end":658.625,"sentiment":"neutral","sentiment_score":-0.0009176803466219169},{"text":"$18.","start":659.165,"end":659.885,"sentiment":"neutral","sentiment_score":0.016707822680473328}],"sentiment":"neutral","sentiment_score":0.011628246866166592,"num_words":23,"start":646.04004,"end":659.885},{"sentences":[{"text":"Okay.","start":659.885,"end":660.28503,"sentiment":"neutral","sentiment_score":0.08725404739379883},{"text":"Perfect.","start":660.28503,"end":660.78503,"sentiment":"neutral","sentiment_score":0.23020929098129272},{"text":"Now I also have tools of about $5,000.","start":661.565,"end":665.985,"sentiment":"neutral","sentiment_score":0.12168921623378992},{"text":"Yep.","start":667.965,"end":668.465,"sentiment":"neutral","sentiment_score":0.08714976161718369},{"text":"And then also savings about 4,000.","start":668.765,"end":670.98,"sentiment":"neutral","sentiment_score":0.08064174155394237}],"sentiment":"neutral","sentiment_score":0.10952807524624993,"num_words":17,"start":659.885,"end":670.98},{"sentences":[{"text":"Thousand.","start":674.66,"end":675.16,"sentiment":"neutral","sentiment_score":0.08115602284669876},{"text":"Mhmm.","start":675.38,"end":675.88,"sentiment":"neutral","sentiment_score":0.005337758921086788},{"text":"Yep.","start":677.94,"end":678.26,"sentiment":"neutral","sentiment_score":0.04513922333717346},{"text":"Do you know roughly how much you have?","start":678.26,"end":680.19995,"sentiment":"neutral","sentiment_score":0.019062544917687774},{"text":"Perfect.","start":683.795,"end":684.295,"sentiment":"neutral","sentiment_score":0.2057525664567947}],"sentiment":"neutral","sentiment_score":0.04082382757527133,"num_words":12,"start":674.66,"end":684.295},{"sentences":[{"text":"And are you planning on buying another property later with that, or are you just kind of keeping it?","start":685.15497,"end":693.095,"sentiment":"neutral","sentiment_score":0.026885050643039376},{"text":"Oh, yes.","start":694.27496,"end":694.935,"sentiment":"neutral","sentiment_score":0.16413507610559464},{"text":"Yeah.","start":703.02997,"end":703.19,"sentiment":"neutral","sentiment_score":0.239319309592247},{"text":"Yeah.","start":703.19,"end":703.35,"sentiment":"positive","sentiment_score":0.3832373023033142},{"text":"Lovely.","start":703.35,"end":703.85,"sentiment":"positive","sentiment_score":0.7157626152038574}],"sentiment":"neutral","sentiment_score":0.0907252225636815,"num_words":24,"start":685.15497,"end":703.85},{"sentences":[{"text":"Yeah.","start":709.82996,"end":710.32996,"sentiment":"neutral","sentiment_score":0.15098246932029724},{"text":"Perfect.","start":711.82996,"end":712.215,"sentiment":"positive","sentiment_score":0.5221395492553711},{"text":"So that would kinda be like an investment property?","start":712.455,"end":714.635,"sentiment":"neutral","sentiment_score":0.09211423993110657},{"text":"Would that kind of be an investment property for you or more like yeah.","start":716.375,"end":720.79504,"sentiment":"neutral","sentiment_score":-0.015539192860679967},{"text":"Yeah.","start":722.135,"end":722.635,"sentiment":"neutral","sentiment_score":0.023498738184571263}],"sentiment":"neutral","sentiment_score":0.05031154677271843,"num_words":26,"start":709.82996,"end":722.635},{"sentences":[{"text":"Okay.","start":722.695,"end":723.015,"sentiment":"neutral","sentiment_score":0.06787053495645523},{"text":"Perfect.","start":723.015,"end":723.49506,"sentiment":"neutral","sentiment_score":0.1971760094165802},{"text":"So investment property.","start":723.49506,"end":724.79504,"sentiment":"neutral","sentiment_score":0.12639064341783524},{"text":"That's great.","start":725.255,"end":726.05505,"sentiment":"positive","sentiment_score":0.6224817335605621},{"text":"Any other assets otherwise we haven't gone through, David.","start":726.05505,"end":729.13,"sentiment":"neutral","sentiment_score":0.13589704781770706}],"sentiment":"neutral","sentiment_score":0.1945159607566893,"num_words":16,"start":722.695,"end":729.13},{"sentences":[{"text":"Yep.","start":734.47003,"end":734.97003,"sentiment":"neutral","sentiment_score":0.09942158311605452},{"text":"Perfect.","start":736.55,"end":737.05,"sentiment":"neutral","sentiment_score":0.2679215967655182},{"text":"And is that just kind of on a platform, or how are you investing in that?","start":737.27,"end":743.305,"sentiment":"neutral","sentiment_score":0.06528691807761788},{"text":"Yeah.","start":744.165,"end":744.485,"sentiment":"neutral","sentiment_score":0.08680668473243713},{"text":"Okay.","start":744.485,"end":744.805,"sentiment":"neutral","sentiment_score":0.14634612202644348}],"sentiment":"neutral","sentiment_score":0.08225433379411698,"num_words":20,"start":734.47003,"end":744.805},{"sentences":[{"text":"Beautiful.","start":744.805,"end":745.305,"sentiment":"positive","sentiment_score":0.37615054845809937},{"text":"Anything else?","start":746.005,"end":746.90497,"sentiment":"neutral","sentiment_score":0.14544200152158737},{"text":"That's perfect.","start":749.685,"end":750.505,"sentiment":"positive","sentiment_score":0.35317350924015045},{"text":"Now health and lifestyle, obviously, aside from hamstring at the private health insurance?","start":751.125,"end":766.39996,"sentiment":"neutral","sentiment_score":-0.008963378432851572},{"text":"When it comes to estate planning, I know you had a will before.","start":770.635,"end":777.45496,"sentiment":"neutral","sentiment_score":-0.028669381227630835}],"sentiment":"neutral","sentiment_score":0.02852115143210657,"num_words":31,"start":744.805,"end":777.45496},{"sentences":[{"text":"Do you know if that's been updated with the change in circumstances?","start":777.515,"end":781.615,"sentiment":"neutral","sentiment_score":-0.026944001360485952},{"text":"Yeah.","start":783.515,"end":784.015,"sentiment":"neutral","sentiment_score":-0.010179666802287102},{"text":"That's okay.","start":784.77997,"end":785.52,"sentiment":"neutral","sentiment_score":0.04630279168486595},{"text":"I'll just put on the to do list.","start":785.66,"end":787.27997,"sentiment":"neutral","sentiment_score":0.06906018359586596},{"text":"Sometimes life gets gets in the way.","start":787.74,"end":790.08,"sentiment":"neutral","sentiment_score":0.02049209230712482}],"sentiment":"neutral","sentiment_score":0.015167467171947162,"num_words":30,"start":777.515,"end":790.08},{"sentences":[{"text":"Yeah.","start":791.66,"end":791.9,"sentiment":"neutral","sentiment_score":0.0196097195148468},{"text":"No.","start":791.9,"end":792.14,"sentiment":"neutral","sentiment_score":-0.03190914914011955},{"text":"That's all good.","start":792.14,"end":793.2,"sentiment":"neutral","sentiment_score":0.09504991893966992},{"text":"Now I do wanna check as well, sorry, when it comes to your insurance and your superannuation.","start":794.3,"end":801.375,"sentiment":"neutral","sentiment_score":0.011687236235422246},{"text":"At the moment, we have April nominated.","start":802.875,"end":807.455,"sentiment":"neutral","sentiment_score":0.02335676218249968}],"sentiment":"neutral","sentiment_score":0.02189760960253148,"num_words":29,"start":791.66,"end":807.455},{"sentences":[{"text":"Would you want to change that?","start":808.715,"end":810.87,"sentiment":"neutral","sentiment_score":-0.04907281075914701},{"text":"Yep.","start":814.77,"end":815.27,"sentiment":"neutral","sentiment_score":0.008466003462672234},{"text":"You you can.","start":834.065,"end":835.125,"sentiment":"neutral","sentiment_score":-0.01235928883155187},{"text":"The only way is we would have do it a bit differently.","start":835.265,"end":837.98,"sentiment":"neutral","sentiment_score":-0.11973763443529606},{"text":"So with super and insurances, there are quite strict rules and regulation in terms of who you can actually nominate directly if the insurances are held inside super and with your superannuation.","start":838.2,"end":849.02,"sentiment":"neutral","sentiment_score":-0.04395617463160306}],"sentiment":"neutral","sentiment_score":-0.05863885053743919,"num_words":54,"start":808.715,"end":849.02},{"sentences":[{"text":"So under the CIS Act, you can only nominate a spouse, a child, or someone who are financially dependent on you or you are in a interdependency relationship.","start":850.085,"end":864.66504,"sentiment":"neutral","sentiment_score":0.03754905305270638},{"text":"Basically, to qualify for that, it must be someone who you who must remain financially dependent on you at the time of your passing.","start":865.85,"end":873.47,"sentiment":"neutral","sentiment_score":0.062261798341448106},{"text":"You need to have a close relationship, living together, providing, like, financial, domestic, and personal care support.","start":874.01,"end":880.415,"sentiment":"neutral","sentiment_score":0.15654558425440507},{"text":"So if you sorry.","start":881.115,"end":888.335,"sentiment":"neutral","sentiment_score":-0.017367004184052348},{"text":"But you can still sorry.","start":888.47504,"end":889.835,"sentiment":"neutral","sentiment_score":-0.1045842096209526}],"sentiment":"neutral","sentiment_score":0.05916080145069804,"num_words":78,"start":850.085,"end":889.835},{"sentences":[{"text":"If, for example, your mom doesn't classify in that like, if you don't wanna give it to your children and you want it to go, like, through your through your mom, you can still do it, but the way that we would have to change the nomination is that you would then select a legal personal representative.","start":889.835,"end":907.835,"sentiment":"neutral","sentiment_score":-0.09600485299240079},{"text":"Basically, what that means is that it reverts back to the will.","start":907.835,"end":911.535,"sentiment":"neutral","sentiment_score":0.007197945883187155},{"text":"Then in your will, you can step stipulate exactly what you want.","start":911.835,"end":915.755,"sentiment":"neutral","sentiment_score":0.17222910560667515},{"text":"You can say that you want your insurances to go to this person or to to these people.","start":915.755,"end":922.33,"sentiment":"neutral","sentiment_score":0.08773419012626012},{"text":"Like, you can you can nominate whoever you want to.","start":922.33,"end":924.91003,"sentiment":"neutral","sentiment_score":0.1849733643233776}],"sentiment":"neutral","sentiment_score":0.0010073125029170732,"num_words":109,"start":889.835,"end":924.91003},{"sentences":[{"text":"It would just have to go through the estate because otherwise, super insurance does not form part of the estate.","start":926.09,"end":932.19,"sentiment":"neutral","sentiment_score":-0.08105058632791043},{"text":"Does that make sense, David?","start":934.17,"end":935.535,"sentiment":"neutral","sentiment_score":0.16837295442819594},{"text":"To to set it up.","start":941.615,"end":943.235,"sentiment":"neutral","sentiment_score":0.09408011585474015},{"text":"So because it's a legal nominations, and, obviously, we can we can guide you in the the how the structure works.","start":944.975,"end":955.11005,"sentiment":"neutral","sentiment_score":0.28673079716307776},{"text":"But in terms of setting it up because it's because I'm not a lawyer, I can't do that.","start":955.11005,"end":962.94495,"sentiment":"neutral","sentiment_score":-0.2720900831951035}],"sentiment":"neutral","sentiment_score":0.011811287938684656,"num_words":69,"start":926.09,"end":962.94495},{"sentences":[{"text":"So I would say the best thing would be to obviously obviously, you have to update the will is to then speak to them about, like, succession or whether you want it to go through your mom, and then she has some stipulations on what to do with the money or whatever it might be so it goes through your kids, you can definitely do do that.","start":964.20496,"end":984.96,"sentiment":"neutral","sentiment_score":0.11564708879189704},{"text":"That will be the best way.","start":984.96,"end":986.5,"sentiment":"neutral","sentiment_score":0.31644297142823535},{"text":"Otherwise, if you do nominate your children directly, which you can, the only thing would be, obviously, if it goes to your kids and they are 18 and they then end up going to the guardianship.","start":987.60004,"end":1001.00494,"sentiment":"neutral","sentiment_score":0.05769822601642874},{"text":"So whether that would be your your ex partner, for example, then, obviously, they would have exactly.","start":1001.305,"end":1008.29,"sentiment":"neutral","sentiment_score":-0.008606888299040934},{"text":"So I think the best thing would be to definitely go and see a lawyer for the kind of make sure everything is set up correctly and that it goes exactly how you want it.","start":1008.29,"end":1025.535,"sentiment":"neutral","sentiment_score":0.11191154250076839}],"sentiment":"neutral","sentiment_score":0.0962405950351624,"num_words":161,"start":964.20496,"end":1025.535},{"sentences":[{"text":"Do you know a lawyer?","start":1027.195,"end":1028.7949,"sentiment":"neutral","sentiment_score":0.03599779233336449},{"text":"Do you know someone who knows someone close by, or would you want us to send you that information again?","start":1028.7949,"end":1034.7301,"sentiment":"neutral","sentiment_score":0.03317738985642791},{"text":"Yeah.","start":1037.43,"end":1037.93,"sentiment":"neutral","sentiment_score":0.060320645570755005},{"text":"Yeah.","start":1038.55,"end":1038.9501,"sentiment":"neutral","sentiment_score":0.3263683319091797},{"text":"Beautiful.","start":1038.9501,"end":1039.4501,"sentiment":"positive","sentiment_score":0.6104236841201782}],"sentiment":"neutral","sentiment_score":0.06573747929983906,"num_words":28,"start":1027.195,"end":1039.4501},{"sentences":[{"text":"We can get that sorted.","start":1039.5901,"end":1040.79,"sentiment":"positive","sentiment_score":0.446124267578125},{"text":"I'll get the team to email that to you.","start":1040.79,"end":1042.9701,"sentiment":"neutral","sentiment_score":0.2753736592001385},{"text":"Now what I will also do is I will get the team to repost those forms so that you have them so that we can get that updated when you have spoken to the lawyer as well to change, obviously, from April through whether that is through the will or however you want to structure that.","start":1043.91,"end":1063.6699,"sentiment":"neutral","sentiment_score":0.15208036213048867},{"text":"Yeah.","start":1066.2899,"end":1066.5299,"sentiment":"neutral","sentiment_score":0.05056050419807434},{"text":"Any questions in regards to any of that?","start":1066.5299,"end":1068.63,"sentiment":"neutral","sentiment_score":0.027561431750655174}],"sentiment":"neutral","sentiment_score":0.17084223428104497,"num_words":79,"start":1039.5901,"end":1068.63},{"sentences":[{"text":"No?","start":1070.45,"end":1070.95,"sentiment":"neutral","sentiment_score":-0.10335804522037506},{"text":"Yep.","start":1072.37,"end":1072.87,"sentiment":"neutral","sentiment_score":0.1221800372004509},{"text":"Perfect.","start":1073.315,"end":1073.815,"sentiment":"neutral","sentiment_score":0.26357388496398926},{"text":"Mhmm.","start":1082.755,"end":1082.995,"sentiment":"neutral","sentiment_score":0.01455121487379074},{"text":"Yes.","start":1082.995,"end":1083.495,"sentiment":"neutral","sentiment_score":0.03707926720380783}],"sentiment":"neutral","sentiment_score":0.06680527180433274,"num_words":5,"start":1070.45,"end":1083.495},{"sentences":[{"text":"For your personal investments?","start":1102.845,"end":1104.465,"sentiment":"neutral","sentiment_score":-0.002518423367291689},{"text":"Mhmm.","start":1106.285,"end":1106.785,"sentiment":"neutral","sentiment_score":-0.004803059622645378},{"text":"Yeah.","start":1117.48,"end":1117.9601,"sentiment":"neutral","sentiment_score":0.008847571909427643},{"text":"So yes and no.","start":1117.9601,"end":1119.5801,"sentiment":"neutral","sentiment_score":-0.010246691294014454},{"text":"There are limitations on which type of investments we would look at.","start":1119.9601,"end":1125.66,"sentiment":"neutral","sentiment_score":-0.1852941308170557}],"sentiment":"neutral","sentiment_score":-0.10320661437105048,"num_words":22,"start":1102.845,"end":1125.66},{"sentences":[{"text":"So it kind of depends.","start":1127.035,"end":1128.4751,"sentiment":"neutral","sentiment_score":-0.09794776290655136},{"text":"There's a lot of different ones we could look at depending on what you are interested in.","start":1128.4751,"end":1132.9751,"sentiment":"neutral","sentiment_score":-0.014300959951737347},{"text":"So, for example, if you wanted to look at a just personal investment account to make it kind of affordable and make it worth it for you as well, obviously, with the fees.","start":1133.355,"end":1146.51,"sentiment":"neutral","sentiment_score":0.2908555142807238},{"text":"Typically, some of them do have a 20,000 limit on it, like a minimum to set it up.","start":1146.97,"end":1152.4299,"sentiment":"neutral","sentiment_score":0.03544419362313218},{"text":"No.","start":1156.405,"end":1156.565,"sentiment":"neutral","sentiment_score":0.19128642976284027}],"sentiment":"neutral","sentiment_score":0.1310089020612272,"num_words":74,"start":1127.035,"end":1156.565},{"sentences":[{"text":"That's so good.","start":1156.565,"end":1157.545,"sentiment":"positive","sentiment_score":0.4140386978785197},{"text":"On the other side, if you were looking at going down, like, investment bond route, there there's you can literally have $2 as a starting point, and we could still manage that.","start":1157.6849,"end":1170.91,"sentiment":"neutral","sentiment_score":0.18338993354700506},{"text":"So it kind of depends on what your goals are, the purpose behind the investment, and what you are wanting to do, then we can most definitely have a look at that for you.","start":1170.91,"end":1182.105,"sentiment":"neutral","sentiment_score":0.2941213793614331},{"text":"Why investment bonds?","start":1194.345,"end":1195.38,"sentiment":"neutral","sentiment_score":-0.002897742514808973},{"text":"Yes.","start":1197.14,"end":1197.64,"sentiment":"neutral","sentiment_score":0.08850505948066711}],"sentiment":"neutral","sentiment_score":0.23548674927896832,"num_words":73,"start":1156.565,"end":1197.64},{"sentences":[{"text":"It's it's different.","start":1201.62,"end":1203.24,"sentiment":"neutral","sentiment_score":0.0011276362153391044},{"text":"And it's so each product so depending on which product we would look at.","start":1203.54,"end":1207.22,"sentiment":"neutral","sentiment_score":0.016147881613246033},{"text":"So each kind of provider have different rules.","start":1207.22,"end":1210.325,"sentiment":"neutral","sentiment_score":-0.002748137107118964},{"text":"So for example, with Hub twenty four, they have personal investment accounts.","start":1210.785,"end":1215.365,"sentiment":"neutral","sentiment_score":0.016374122661848862},{"text":"They have a limit saying that you have to have 20,000 to set it up.","start":1215.745,"end":1220.405,"sentiment":"neutral","sentiment_score":0.0009773718814055125}],"sentiment":"neutral","sentiment_score":0.008050350087264983,"num_words":52,"start":1201.62,"end":1220.405},{"sentences":[{"text":"The same is with, like, Macquarie if you were to do investment con.","start":1220.945,"end":1224.59,"sentiment":"neutral","sentiment_score":0.008772736916748377},{"text":"So it's more that it's, like, each product provide but with an investment bond because that's a I don't do you know much about investment bonds?","start":1225.0499,"end":1251.845,"sentiment":"neutral","sentiment_score":-0.01964864136579518},{"text":"So investment bonds are very different.","start":1254.67,"end":1257.15,"sentiment":"neutral","sentiment_score":-0.08518836026390393},{"text":"So it's it's kind of confusing because you call it an investment bond, but it has actually nothing to do with bonds per se.","start":1257.15,"end":1264.53,"sentiment":"neutral","sentiment_score":-0.17984502638379732},{"text":"So an investment bond is another form of kind of an investment vehicle.","start":1264.91,"end":1270.5249,"sentiment":"neutral","sentiment_score":0.05080425280791063}],"sentiment":"neutral","sentiment_score":-0.05565578785225204,"num_words":82,"start":1220.945,"end":1270.5249},{"sentences":[{"text":"It is classified as a insurance product, so it does fall under different kind of rules, which is what makes it so tax effective.","start":1270.985,"end":1280.605,"sentiment":"neutral","sentiment_score":0.14810771805544695},{"text":"So investment bonds is something we do for a number of clients as well if they are looking at a little bit longer time frame.","start":1281.3049,"end":1289.59,"sentiment":"neutral","sentiment_score":0.20220541223883629},{"text":"So, again, there's a lot of a range of different investment bond products.","start":1289.73,"end":1293.11,"sentiment":"neutral","sentiment_score":0.11344321989096127},{"text":"But how it is is that you basically have a investment bond set up, and within the bond, you can have, like, shares.","start":1293.49,"end":1301.7849,"sentiment":"neutral","sentiment_score":0.1443340635817984},{"text":"You can have managed portfolios.","start":1301.7849,"end":1303.085,"sentiment":"neutral","sentiment_score":0.184272962808609}],"sentiment":"neutral","sentiment_score":0.15917256304787264,"num_words":90,"start":1270.985,"end":1303.085},{"sentences":[{"text":"Like, you can have a range of different investments depending on which kind of option you would look to go down through.","start":1303.1449,"end":1308.445,"sentiment":"neutral","sentiment_score":0.1672860790382732},{"text":"And how it's tax effective is so a minimum time frame to make it very tax effective is usually ten years.","start":1309.065,"end":1316.63,"sentiment":"neutral","sentiment_score":0.30444423854351044},{"text":"So it would be dependent on how your long term like, how long term you're wanting these investments.","start":1316.85,"end":1321.91,"sentiment":"neutral","sentiment_score":0.23450541661845314},{"text":"But if, for example, you wanted to, let's say, have a ten year time frame, the way that the investment bonds make it quite competitive is that with a personal investment account, so similar to your stocks that you have now, you will obviously, any dividends and stuff that you earn will be added to your taxable income that you have to pay tax on.","start":1322.37,"end":1345.145,"sentiment":"neutral","sentiment_score":0.2036679456440302},{"text":"If you sell investments, you obviously have to pay capital gains tax personally.","start":1345.44,"end":1349.7799,"sentiment":"neutral","sentiment_score":0.03442212337484726}],"sentiment":"neutral","sentiment_score":0.20129945552606376,"num_words":139,"start":1303.1449,"end":1349.7799},{"sentences":[{"text":"Now within the investment bond, it does it kind of gets taxed at a discounted rate within the bond itself, so it's not added to your taxable income.","start":1350.96,"end":1362.525,"sentiment":"neutral","sentiment_score":0.2181503368275506},{"text":"And if you've had it for ten years, if you were to sell it then, there is no capital gains tax associated at all.","start":1362.905,"end":1370.445,"sentiment":"neutral","sentiment_score":0.1850736097743114},{"text":"So it makes it very tax effective for long term investments.","start":1370.825,"end":1375.25,"sentiment":"positive","sentiment_score":0.4916710745204579},{"text":"Other ways that some people use an investment bond is if you for example, at the moment, with the current legislation, you can't access super until you turn 60.","start":1377.3099,"end":1385.8099,"sentiment":"neutral","sentiment_score":0.1302613471474113},{"text":"But let's say you want to retire at 50, but, obviously, you can't get income stream from your superannuation.","start":1386.35,"end":1392.4851,"sentiment":"neutral","sentiment_score":-0.04635248421446273}],"sentiment":"neutral","sentiment_score":0.1698670247989195,"num_words":111,"start":1350.96,"end":1392.4851},{"sentences":[{"text":"A lot of people, if they do have that ten year time frame, if they set up an investment bond, then after ten years, you can start drawing an income from that investment bond, which is tax free.","start":1393.025,"end":1403.35,"sentiment":"neutral","sentiment_score":0.06464342831781036},{"text":"And then, obviously, you can kind of draw an income that way before you could potentially start accessing your superannuation.","start":1403.97,"end":1410.07,"sentiment":"neutral","sentiment_score":0.09564701654016972},{"text":"A lot of people also use it for a investment for children.","start":1411.09,"end":1414.7349,"sentiment":"neutral","sentiment_score":0.15264733384052911},{"text":"So there's also, like, child bonds, which, again, you can invest for children.","start":1414.7349,"end":1419.735,"sentiment":"neutral","sentiment_score":0.13143227535944718},{"text":"And then after ten years, they can get everything tax free as well.","start":1419.735,"end":1423.755,"sentiment":"neutral","sentiment_score":0.13316489469546539}],"sentiment":"neutral","sentiment_score":0.10042626899667084,"num_words":96,"start":1393.025,"end":1423.755},{"sentences":[{"text":"So there's, like, a lot of different ways you can look at, again, depending on your time frame.","start":1424.135,"end":1441.9,"sentiment":"neutral","sentiment_score":0.0554706760837386},{"text":"Mhmm.","start":1442.56,"end":1443.06,"sentiment":"neutral","sentiment_score":-0.0004397721495479346},{"text":"It's kind of little bit different.","start":1443.72,"end":1444.995,"sentiment":"neutral","sentiment_score":-0.04317349071304003},{"text":"Yeah.","start":1445.0549,"end":1445.5549,"sentiment":"neutral","sentiment_score":0.008096572943031788},{"text":"And, you know, it's actually going pretty good given the market conditions we've had.","start":1445.615,"end":1450.9149,"sentiment":"neutral","sentiment_score":0.17806514166295528}],"sentiment":"neutral","sentiment_score":0.08100000023259782,"num_words":40,"start":1424.135,"end":1450.9149},{"sentences":[{"text":"So that's great.","start":1451.375,"end":1452.355,"sentiment":"positive","sentiment_score":0.5108622213204702},{"text":"Now with the personal investments, is that something you are wanting to look at now, or are you wanting to kind of when things have sorted itself out with, obviously, the IP claim, if you're back at work and a bit more certainty with cash flow you want to look at?","start":1453.2949,"end":1469.54,"sentiment":"neutral","sentiment_score":0.09193126499360683},{"text":"Yeah?","start":1471.52,"end":1471.755,"sentiment":"neutral","sentiment_score":0.017649168148636818},{"text":"So what I can month or two?","start":1472.3151,"end":1476.395,"sentiment":"neutral","sentiment_score":0.012863968232912677},{"text":"Yeah.","start":1476.395,"end":1476.715,"sentiment":"neutral","sentiment_score":0.05383595824241638}],"sentiment":"neutral","sentiment_score":0.10131133464534604,"num_words":63,"start":1451.375,"end":1476.715},{"sentences":[{"text":"Beautiful.","start":1476.715,"end":1477.215,"sentiment":"positive","sentiment_score":0.4652034640312195},{"text":"Now what I can do so I do wanna let you know that on a personal note, I will actually be going on maternity leave in two weeks.","start":1478.075,"end":1486.495,"sentiment":"neutral","sentiment_score":0.19313135370612144},{"text":"Thank you very much.","start":1488.7201,"end":1489.9401,"sentiment":"positive","sentiment_score":0.6461512893438339},{"text":"But my colleague Jenna will kind of take over from me.","start":1491.3601,"end":1494.56,"sentiment":"neutral","sentiment_score":0.1224492144855586},{"text":"So I'm doing a big handover with her, and everything we've spoken about today, I will brief her on.","start":1494.56,"end":1500.895,"sentiment":"neutral","sentiment_score":0.1751476883103973}],"sentiment":"neutral","sentiment_score":0.2084481581335976,"num_words":63,"start":1476.715,"end":1500.895},{"sentences":[{"text":"I will also send you a a separate email probably sometime next week with her direct contact details so that you have it.","start":1501.755,"end":1509.275,"sentiment":"neutral","sentiment_score":0.09930492289688277},{"text":"If you if you need to make contact, otherwise, you can just call the office, and you will be put through to her anyway.","start":1509.275,"end":1514.78,"sentiment":"neutral","sentiment_score":0.0453933224392434},{"text":"But I will put a little reminder in two months' time to get her to give you a call to talk about the investments and kind of touch base and see how you're going and if you're ready to have a look at it then or, obviously, depending on the injury and how you're going would work, whether you wanna hold off or get.","start":1515.5599,"end":1533.465,"sentiment":"neutral","sentiment_score":0.08991035520739388},{"text":"Yep.","start":1535.285,"end":1535.605,"sentiment":"neutral","sentiment_score":0.09477752447128296},{"text":"Okay.","start":1535.605,"end":1536.005,"sentiment":"neutral","sentiment_score":0.20949238538742063}],"sentiment":"neutral","sentiment_score":0.08346889918851377,"num_words":113,"start":1501.755,"end":1536.005},{"sentences":[{"text":"Beautiful.","start":1536.005,"end":1536.505,"sentiment":"positive","sentiment_score":0.5673162341117859},{"text":"Any questions with any of that?","start":1536.645,"end":1538.6,"sentiment":"neutral","sentiment_score":0.304065744082133},{"text":"No.","start":1539.86,"end":1540.36,"sentiment":"neutral","sentiment_score":-0.16292119026184082},{"text":"Yeah.","start":1541.38,"end":1541.88,"sentiment":"neutral","sentiment_score":0.07184510678052902},{"text":"Alright.","start":1542.02,"end":1542.42,"sentiment":"positive","sentiment_score":0.4010133147239685}],"sentiment":"neutral","sentiment_score":0.27016479298472407,"num_words":10,"start":1536.005,"end":1542.42},{"sentences":[{"text":"Perfect.","start":1542.42,"end":1542.92,"sentiment":"positive","sentiment_score":0.6470948457717896},{"text":"Yes.","start":1546.74,"end":1547.24,"sentiment":"neutral","sentiment_score":0.27289628982543945},{"text":"Definitely will.","start":1547.62,"end":1549.0,"sentiment":"positive","sentiment_score":0.4965612590312958},{"text":"Now anything else that you need help with or any other goals that you have at the moment, David?","start":1549.7001,"end":1554.6951,"sentiment":"neutral","sentiment_score":0.28546925045942007},{"text":"Mhmm.","start":1562.675,"end":1563.175,"sentiment":"neutral","sentiment_score":0.022696126252412796}],"sentiment":"neutral","sentiment_score":0.30665523077671725,"num_words":24,"start":1542.42,"end":1563.175},{"sentences":[{"text":"Yep.","start":1567.635,"end":1567.86,"sentiment":"neutral","sentiment_score":0.009887253865599632},{"text":"Yep.","start":1568.34,"end":1568.84,"sentiment":"neutral","sentiment_score":0.033336907625198364},{"text":"It's it's a bit of a we can definitely assist you with it.","start":1579.22,"end":1583.345,"sentiment":"neutral","sentiment_score":0.2656859474686476},{"text":"So it's kind of where it falls into the category between both us and a mortgage broker.","start":1584.125,"end":1589.345,"sentiment":"neutral","sentiment_score":0.048104088096057665},{"text":"So, obviously, a mortgage broker have you dealt with a mortgage broker before?","start":1589.565,"end":1593.3,"sentiment":"neutral","sentiment_score":0.004923927382780955}],"sentiment":"neutral","sentiment_score":0.09730937849316332,"num_words":45,"start":1567.635,"end":1593.3},{"sentences":[{"text":"Yeah.","start":1594.56,"end":1595.06,"sentiment":"neutral","sentiment_score":0.005136600695550442},{"text":"So, obviously, they would obviously, because we don't we can't do lending.","start":1595.2001,"end":1598.72,"sentiment":"neutral","sentiment_score":-0.030632572015747428},{"text":"So they would obviously run the numbers on how much you can borrow, borrow capacity, and how all of that looks like.","start":1598.72,"end":1605.62,"sentiment":"neutral","sentiment_score":0.02114555552940477},{"text":"Yes.","start":1606.3201,"end":1606.8,"sentiment":"neutral","sentiment_score":0.06848321110010147},{"text":"Okay.","start":1606.8,"end":1607.12,"sentiment":"neutral","sentiment_score":0.11688148975372314}],"sentiment":"neutral","sentiment_score":0.007786828621819212,"num_words":37,"start":1594.56,"end":1607.12},{"sentences":[{"text":"Beautiful.","start":1607.12,"end":1607.62,"sentiment":"neutral","sentiment_score":0.30128026008605957},{"text":"From a cash flow point of view?","start":1608.855,"end":1610.555,"sentiment":"neutral","sentiment_score":0.11409665324858256},{"text":"Yes.","start":1615.655,"end":1616.055,"sentiment":"neutral","sentiment_score":0.19703370332717896},{"text":"And we we can definitely have a look at it.","start":1616.055,"end":1617.8151,"sentiment":"neutral","sentiment_score":0.23094176799058913},{"text":"So if you obviously have the numbers, make sure it's doable financially.","start":1617.8151,"end":1622.24,"sentiment":"neutral","sentiment_score":0.13762211985886097}],"sentiment":"neutral","sentiment_score":0.1696088275601787,"num_words":31,"start":1607.12,"end":1622.24},{"sentences":[{"text":"Obviously, if it's positively or negatively geared depending on what the structure and stuff is.","start":1623.5,"end":1628.0801,"sentiment":"neutral","sentiment_score":0.0027256425470113753},{"text":"Yep.","start":1631.02,"end":1631.52,"sentiment":"neutral","sentiment_score":0.015225346200168133},{"text":"Especially with the changes in budget as well.","start":1631.5801,"end":1633.68,"sentiment":"neutral","sentiment_score":0.07326686521992087},{"text":"Alright.","start":1635.155,"end":1635.655,"sentiment":"positive","sentiment_score":0.34551554918289185},{"text":"Perfect.","start":1635.715,"end":1636.215,"sentiment":"positive","sentiment_score":0.6823207139968872}],"sentiment":"neutral","sentiment_score":0.06423389112863404,"num_words":26,"start":1623.5,"end":1636.215},{"sentences":[{"text":"So then we could have a look at that for you from, like, a from a a more like a cash flow wise, whether it makes sense in terms of if it's a good investment because, obviously, we are not property experts in terms of what type of investments would be best or what is good.","start":1636.275,"end":1659.885,"sentiment":"neutral","sentiment_score":0.21068848556439793},{"text":"Then often you would have, like, what do you call it, a buyer's agent or something like that to obviously have a expert in the areas of what you are looking for in terms of the sound investment.","start":1659.965,"end":1674.145,"sentiment":"neutral","sentiment_score":0.1341531252194392},{"text":"But if you have, like, the papers and everything, you can always send it through to us.","start":1675.005,"end":1678.66,"sentiment":"neutral","sentiment_score":0.1335111628560459},{"text":"We can have a look at it and then have a bit of a chat to you.","start":1678.66,"end":1682.12,"sentiment":"neutral","sentiment_score":0.09232582173803273},{"text":"Yes.","start":1684.1799,"end":1684.6799,"sentiment":"neutral","sentiment_score":0.18924418091773987}],"sentiment":"neutral","sentiment_score":0.1622081152632717,"num_words":129,"start":1636.275,"end":1684.6799},{"sentences":[{"text":"How beautiful.","start":1684.74,"end":1685.48,"sentiment":"positive","sentiment_score":0.5567711889743805},{"text":"Yes.","start":1686.9,"end":1687.22,"sentiment":"neutral","sentiment_score":0.20944389700889587},{"text":"But, yeah, we can all yeah.","start":1687.22,"end":1689.165,"sentiment":"neutral","sentiment_score":-0.013902914089461168},{"text":"That's pretty good.","start":1697.645,"end":1698.785,"sentiment":"neutral","sentiment_score":0.031751627723375954},{"text":"Oh, yeah.","start":1701.0851,"end":1701.8251,"sentiment":"neutral","sentiment_score":0.018901124596595764}],"sentiment":"neutral","sentiment_score":0.09804470877030066,"num_words":14,"start":1684.74,"end":1701.8251},{"sentences":[{"text":"And where did you say it was?","start":1702.925,"end":1706.21,"sentiment":"neutral","sentiment_score":-0.0030025853110211237},{"text":"Where did you say they were?","start":1706.21,"end":1707.75,"sentiment":"neutral","sentiment_score":-0.025246723865469296},{"text":"They were on somewhere on the Gold Coast.","start":1707.8099,"end":1709.51,"sentiment":"neutral","sentiment_score":-0.002330103307031095},{"text":"Oh, yeah.","start":1711.4099,"end":1711.97,"sentiment":"neutral","sentiment_score":0.15836583822965622},{"text":"Nice.","start":1711.97,"end":1712.47,"sentiment":"positive","sentiment_score":0.4253924489021301}],"sentiment":"neutral","sentiment_score":0.022957702438967924,"num_words":24,"start":1702.925,"end":1712.47},{"sentences":[{"text":"Perfect.","start":1713.49,"end":1713.99,"sentiment":"positive","sentiment_score":0.4060017466545105},{"text":"Mhmm.","start":1718.985,"end":1719.485,"sentiment":"neutral","sentiment_score":0.060453131794929504},{"text":"Yep.","start":1721.465,"end":1721.965,"sentiment":"neutral","sentiment_score":0.04463193938136101},{"text":"Yep.","start":1725.3049,"end":1725.8049,"sentiment":"neutral","sentiment_score":0.04709627479314804},{"text":"Mhmm.","start":1731.3049,"end":1731.8049,"sentiment":"neutral","sentiment_score":0.09985977411270142}],"sentiment":"neutral","sentiment_score":0.1316085733473301,"num_words":5,"start":1713.49,"end":1731.8049},{"sentences":[{"text":"Yeah.","start":1732.905,"end":1733.3049,"sentiment":"neutral","sentiment_score":0.05218640714883804},{"text":"That's not yeah.","start":1733.3049,"end":1737.6,"sentiment":"neutral","sentiment_score":0.020310238003730774},{"text":"No.","start":1738.1399,"end":1738.2999,"sentiment":"neutral","sentiment_score":0.026650995016098022},{"text":"That's good.","start":1738.2999,"end":1738.86,"sentiment":"neutral","sentiment_score":0.3246627599000931},{"text":"And, yeah, so, definitely, if you have all that information, then it's always something you can send through to us, and we can have have a look through kind of that that property advice side of it.","start":1738.86,"end":1749.715,"sentiment":"neutral","sentiment_score":0.14326441670591766}],"sentiment":"neutral","sentiment_score":0.13840629668398338,"num_words":44,"start":1732.905,"end":1749.715},{"sentences":[{"text":"If you've already kind of found a property that you are wanting and, obviously, the the lender has, from at least a numbers point of view, says it's viable, then we can definitely have a look at that.","start":1750.095,"end":1761.215,"sentiment":"neutral","sentiment_score":0.2856163521248259},{"text":"So when I send you Jenna's details, you can always just respond to that email as well if you do have anything.","start":1761.215,"end":1769.21,"sentiment":"neutral","sentiment_score":0.18680075420574707},{"text":"And, again, I will kind of talk her through what we've discussed today.","start":1769.75,"end":1772.81,"sentiment":"neutral","sentiment_score":0.10881605171240293},{"text":"Yep.","start":1774.15,"end":1774.47,"sentiment":"neutral","sentiment_score":0.16515782475471497},{"text":"Okay.","start":1774.47,"end":1774.87,"sentiment":"neutral","sentiment_score":0.31330111622810364}],"sentiment":"neutral","sentiment_score":0.2247480744868517,"num_words":75,"start":1750.095,"end":1774.87},{"sentences":[{"text":"Beautiful.","start":1774.87,"end":1775.37,"sentiment":"positive","sentiment_score":0.5594298839569092},{"text":"Now, otherwise, when it comes to, obviously, your super and your insurances, at the moment, we have you invested in that high growth portfolio.","start":1776.775,"end":1785.275,"sentiment":"neutral","sentiment_score":0.0780162988230586},{"text":"I know last year, we did some advice and kind of went through everything in a lot of detail.","start":1785.895,"end":1790.875,"sentiment":"neutral","sentiment_score":0.04012417401138105},{"text":"So with your risk profile, has anything changed for you, or are you still comfortable remaining in that high growth portfolio, or what are you kind of thinking?","start":1791.44,"end":1801.62,"sentiment":"neutral","sentiment_score":0.005121917763192739},{"text":"Yep.","start":1803.36,"end":1803.86,"sentiment":"positive","sentiment_score":0.4197212457656861}],"sentiment":"neutral","sentiment_score":0.05147007267207724,"num_words":73,"start":1774.87,"end":1803.86},{"sentences":[{"text":"Yep.","start":1804.24,"end":1804.48,"sentiment":"neutral","sentiment_score":0.1375926434993744},{"text":"Okay.","start":1804.48,"end":1804.845,"sentiment":"neutral","sentiment_score":0.22752103209495544},{"text":"Beautiful.","start":1805.085,"end":1805.585,"sentiment":"positive","sentiment_score":0.4000126719474793},{"text":"Now, David, do you have access to your emails at the moment by any chance?","start":1806.445,"end":1810.625,"sentiment":"neutral","sentiment_score":0.08786382203300794},{"text":"Yep.","start":1810.9249,"end":1811.325,"sentiment":"neutral","sentiment_score":0.053096409887075424}],"sentiment":"neutral","sentiment_score":0.1124305309433686,"num_words":19,"start":1804.24,"end":1811.325},{"sentences":[{"text":"Okay.","start":1811.325,"end":1811.725,"sentiment":"neutral","sentiment_score":0.14264953136444092},{"text":"Beautiful.","start":1811.725,"end":1812.225,"sentiment":"neutral","sentiment_score":0.27058476209640503},{"text":"So I have to send you an email with some documents to run through if you could access that for me.","start":1812.605,"end":1822.47,"sentiment":"neutral","sentiment_score":0.10552503416935603},{"text":"And it should come directly from me.","start":1826.77,"end":1829.75,"sentiment":"neutral","sentiment_score":0.03051607044679778},{"text":"And we have changed the software, so it might look a little bit different to what you are used to.","start":1829.89,"end":1834.9149,"sentiment":"neutral","sentiment_score":0.007432454638183117}],"sentiment":"neutral","sentiment_score":0.059830431938171384,"num_words":50,"start":1811.325,"end":1834.9149},{"sentences":[{"text":"It's kind of the same, though, where it says request signature or sign documents or something.","start":1835.0549,"end":1841.235,"sentiment":"neutral","sentiment_score":0.015277338156010956},{"text":"And then it will just ask you to click on a link, and that link will open up all the documents for you.","start":1841.615,"end":1849.6901,"sentiment":"neutral","sentiment_score":0.0680026569120262},{"text":"Yep.","start":1849.6901,"end":1850.09,"sentiment":"neutral","sentiment_score":0.14425787329673767},{"text":"Perfect.","start":1850.09,"end":1850.5701,"sentiment":"positive","sentiment_score":0.3388666808605194},{"text":"Now let me know if you can see the first one where it says summary of super and insurances.","start":1850.5701,"end":1855.63,"sentiment":"neutral","sentiment_score":0.11382893747405003}],"sentiment":"neutral","sentiment_score":0.07423954809394975,"num_words":60,"start":1835.0549,"end":1855.63},{"sentences":[{"text":"Yep.","start":1859.37,"end":1859.85,"sentiment":"neutral","sentiment_score":0.04951593279838562},{"text":"206.","start":1859.85,"end":1860.81,"sentiment":"neutral","sentiment_score":0.04240581393241882},{"text":"And when we spoke last time during annual review, it was at a 113,944.","start":1860.81,"end":1867.735,"sentiment":"neutral","sentiment_score":0.10664137186748641},{"text":"So it's done pretty good given the market conditions in the the last twelve months, so quite happy with that.","start":1868.275,"end":1875.015,"sentiment":"positive","sentiment_score":0.46578226089477537},{"text":"Now underneath it, you have your Clearview insurances.","start":1876.49,"end":1879.79,"sentiment":"neutral","sentiment_score":0.08192298840731382}],"sentiment":"neutral","sentiment_score":0.26263477450067346,"num_words":44,"start":1859.37,"end":1879.79},{"sentences":[{"text":"So you have your life and total permanent disability insurance, and you have 879,187.","start":1880.17,"end":1889.385,"sentiment":"neutral","sentiment_score":0.07967026132558074},{"text":"And then you can see your income protection policy there, which is that monthly benefit of 5,221.","start":1889.385,"end":1897.2451,"sentiment":"neutral","sentiment_score":0.06315741731840022},{"text":"That's thirty day waiting period, which is good that it is the lowest.","start":1897.785,"end":1901.58,"sentiment":"positive","sentiment_score":0.6511819775287921},{"text":"Sometimes you can have, like, sixty or ninety days, which, obviously, you have to be off work a lot longer.","start":1902.36,"end":1907.72,"sentiment":"neutral","sentiment_score":0.15332630164921285},{"text":"So so that is good.","start":1907.72,"end":1909.1,"sentiment":"positive","sentiment_score":0.6614504814147949}],"sentiment":"neutral","sentiment_score":0.2467855637812096,"num_words":69,"start":1880.17,"end":1909.1},{"sentences":[{"text":"And you do have it for five years.","start":1909.3999,"end":1911.5599,"sentiment":"positive","sentiment_score":0.4325306788086891},{"text":"Hopefully, you don't have to be off work for very long, but you do have that running for for five years as well, which is good.","start":1911.5599,"end":1919.765,"sentiment":"neutral","sentiment_score":0.260795187491637},{"text":"No.","start":1925.505,"end":1926.005,"sentiment":"neutral","sentiment_score":0.0541745163500309},{"text":"So it will stay.","start":1926.1449,"end":1928.3,"sentiment":"neutral","sentiment_score":0.11086022108793259},{"text":"The only thing is if your policy is indexed, then what it might mean that if you remain on claim for a long period of time, it might go up just with, like, inflation, but it won't go down.","start":1929.16,"end":1941.075,"sentiment":"neutral","sentiment_score":0.0067308201717260555}],"sentiment":"neutral","sentiment_score":0.1410389447775789,"num_words":78,"start":1909.3999,"end":1941.075},{"sentences":[{"text":"Yes.","start":1948.2749,"end":1948.7749,"sentiment":"neutral","sentiment_score":0.050214819610118866},{"text":"No.","start":1951.1549,"end":1951.635,"sentiment":"neutral","sentiment_score":-0.03894282877445221},{"text":"Not on your policy.","start":1951.635,"end":1952.855,"sentiment":"neutral","sentiment_score":-0.0533875641413033},{"text":"So with the the ClearView policy we have, it's a flat 70% for the duration of the five years.","start":1952.9149,"end":1960.7201,"sentiment":"neutral","sentiment_score":0.0330854807245104},{"text":"So it doesn't decrease.","start":1960.78,"end":1962.0801,"sentiment":"neutral","sentiment_score":0.027237305883318186}],"sentiment":"neutral","sentiment_score":0.0184584514334284,"num_words":29,"start":1948.2749,"end":1962.0801},{"sentences":[{"text":"Yep.","start":1962.4601,"end":1962.9601,"sentiment":"neutral","sentiment_score":0.18280136585235596},{"text":"Which is good.","start":1963.02,"end":1963.92,"sentiment":"positive","sentiment_score":0.4222741325696309},{"text":"Now those funds are paid from within superannuation.","start":1965.5801,"end":1969.36,"sentiment":"neutral","sentiment_score":0.25351872481405735},{"text":"You do get that little tax rebate.","start":1969.9,"end":1972.285,"sentiment":"neutral","sentiment_score":0.27348530292510986},{"text":"So all three is 2,873 from hub twenty four for you.","start":1972.825,"end":1978.045,"sentiment":"neutral","sentiment_score":0.14862360060214996}],"sentiment":"neutral","sentiment_score":0.23423434297243753,"num_words":30,"start":1962.4601,"end":1978.045},{"sentences":[{"text":"Yep.","start":1980.505,"end":1981.005,"sentiment":"neutral","sentiment_score":0.10171769559383392},{"text":"Now if you can go to the next document for me, it should be your performance with IRR with Hub twenty four.","start":1981.065,"end":1988.42,"sentiment":"neutral","sentiment_score":0.10516810925169424},{"text":"Yep.","start":1991.28,"end":1991.68,"sentiment":"neutral","sentiment_score":0.1368291676044464},{"text":"Perfect.","start":1991.68,"end":1992.18,"sentiment":"neutral","sentiment_score":0.3170638084411621},{"text":"Now this one might look a little bit messy, but because you drew some personal investment, it might make a little bit more sense to you, which is great.","start":1993.28,"end":2001.155,"sentiment":"neutral","sentiment_score":0.11352351898777074}],"sentiment":"neutral","sentiment_score":0.11410168751522347,"num_words":54,"start":1980.505,"end":2001.155},{"sentences":[{"text":"But, essentially, it does give you a a breakdown over the last twelve months.","start":2001.295,"end":2005.535,"sentiment":"neutral","sentiment_score":0.12981047747390612},{"text":"So it breaks down all your individual investments, how they have performed, how much you have in each option over the last twelve months net of fees.","start":2005.535,"end":2014.9401,"sentiment":"neutral","sentiment_score":0.10123766406818673},{"text":"Now this one here looks a little bit more extensive than usual, and the reason being is that we did do advice for you back in November.","start":2015.24,"end":2023.995,"sentiment":"neutral","sentiment_score":0.0341596933150733},{"text":"So, obviously, within the last twelve months, we had those investment changes that we went through.","start":2024.4551,"end":2029.435,"sentiment":"neutral","sentiment_score":0.0361895717214793},{"text":"So that's why there's, like, a little bit more.","start":2029.8151,"end":2032.155,"sentiment":"neutral","sentiment_score":-0.01943383427957694}],"sentiment":"neutral","sentiment_score":0.06319574164527078,"num_words":93,"start":2001.295,"end":2032.155},{"sentences":[{"text":"The good thing is, though, that the one investment that was underperforming, which was the Benelung Australian Equity, we completely sold out of last year, which was great.","start":2033.495,"end":2043.65,"sentiment":"neutral","sentiment_score":0.16399498940778098},{"text":"But you can basically see all the other investments that have done really good.","start":2044.27,"end":2048.75,"sentiment":"positive","sentiment_score":0.48872677023921696},{"text":"And like I said, overall in the twelve months, and that is, again, with the changes we have made and the market condition, it's still up after fees by 9.07%.","start":2048.75,"end":2062.145,"sentiment":"neutral","sentiment_score":0.28638984858989713},{"text":"So the whole portfolio as a whole, now after fees, it's up by 9.07% in the last twelve months.","start":2065.8,"end":2076.22,"sentiment":"neutral","sentiment_score":0.17579759775023712},{"text":"But that's also that during the last twelve months, we then swapped you out of some of those investments that weren't performing and put you in other ones.","start":2076.36,"end":2083.145,"sentiment":"neutral","sentiment_score":0.007739099141742502}],"sentiment":"neutral","sentiment_score":0.19817293342594214,"num_words":119,"start":2033.495,"end":2083.145},{"sentences":[{"text":"So that's even within that time frame.","start":2083.145,"end":2085.385,"sentiment":"neutral","sentiment_score":0.27226498616593225},{"text":"So so really happy with that.","start":2085.385,"end":2087.165,"sentiment":"positive","sentiment_score":0.6920996507008871},{"text":"Yeah.","start":2089.225,"end":2089.725,"sentiment":"neutral","sentiment_score":0.15590181946754456},{"text":"Now if you want to go through the next document for me, it should be your Vanguard index chart, I believe.","start":2090.8252,"end":2099.06,"sentiment":"neutral","sentiment_score":0.09383114072538558},{"text":"Next one.","start":2104.4,"end":2104.88,"sentiment":"neutral","sentiment_score":0.04427645914256573}],"sentiment":"neutral","sentiment_score":0.22360436487439517,"num_words":37,"start":2083.145,"end":2104.88},{"sentences":[{"text":"So the performance yeah.","start":2104.88,"end":2107.245,"sentiment":"neutral","sentiment_score":0.04535108711570501},{"text":"Yep.","start":2108.7651,"end":2109.2651,"sentiment":"neutral","sentiment_score":0.05347613617777824},{"text":"Yes.","start":2119.965,"end":2120.465,"sentiment":"neutral","sentiment_score":0.06747037917375565},{"text":"Yep.","start":2120.6,"end":2120.92,"sentiment":"neutral","sentiment_score":0.05362161248922348},{"text":"Do you remember seeing this last year?","start":2120.92,"end":2123.26,"sentiment":"neutral","sentiment_score":0.017407957996640886}],"sentiment":"neutral","sentiment_score":0.034130584448575974,"num_words":14,"start":2104.88,"end":2123.26},{"sentences":[{"text":"Yep.","start":2125.56,"end":2126.06,"sentiment":"neutral","sentiment_score":0.12083487212657928},{"text":"So it is good.","start":2126.2,"end":2127.24,"sentiment":"positive","sentiment_score":0.4209105148911476},{"text":"It's just a good visual representation of what we are talking about when we're talking about the market.","start":2127.24,"end":2131.9,"sentiment":"neutral","sentiment_score":0.24526229831907484},{"text":"You can see here that, obviously, over the long term, market always goes up.","start":2132.68,"end":2136.4348,"sentiment":"neutral","sentiment_score":0.06802953353949956},{"text":"For short term, there will be some ups and downs and market fluctuations.","start":2136.4348,"end":2140.055,"sentiment":"neutral","sentiment_score":0.002558970394042822}],"sentiment":"neutral","sentiment_score":0.14409756772220134,"num_words":50,"start":2125.56,"end":2140.055},{"sentences":[{"text":"Now sometimes you can also see that the biggest drop in the market is then quite closely followed by the incline again, which is good.","start":2141.1548,"end":2148.615,"sentiment":"neutral","sentiment_score":0.06033659309148789},{"text":"And how this kind of relates to that high growth portfolio for you is on the right hand side, you have the different asset classes.","start":2149.67,"end":2157.21,"sentiment":"neutral","sentiment_score":0.1112948590517044},{"text":"Now with a high growth portfolio, you do have about 90% invested in a combination of the four.","start":2158.23,"end":2165.135,"sentiment":"neutral","sentiment_score":0.11120225903060701},{"text":"So that is your US shares, which is, like, the light green.","start":2165.275,"end":2168.335,"sentiment":"neutral","sentiment_score":0.06933220351735751},{"text":"You have your Australian shares, which is your dark green, international shares, which is, like, the yellow, and then the property, which is, like, a maroon color.","start":2168.395,"end":2176.335,"sentiment":"neutral","sentiment_score":0.07363770715892315}],"sentiment":"neutral","sentiment_score":0.08516478038906494,"num_words":107,"start":2141.1548,"end":2176.335},{"sentences":[{"text":"And you can see here that they are the ones that do grow the most, but also fluctuate the most.","start":2176.715,"end":2181.6099,"sentiment":"neutral","sentiment_score":0.1232236959040165},{"text":"Yep.","start":2183.43,"end":2183.8298,"sentiment":"neutral","sentiment_score":0.16941925883293152},{"text":"And then you do have about 10% in defensive, which is your your cash, your fixed interest, and then gold can kind of come into this as well.","start":2183.8298,"end":2192.49,"sentiment":"neutral","sentiment_score":0.10761087547455515},{"text":"Any questions so far?","start":2193.285,"end":2196.185,"sentiment":"neutral","sentiment_score":-0.015164128504693508},{"text":"No.","start":2196.2449,"end":2196.7249,"sentiment":"neutral","sentiment_score":0.055956631898880005}],"sentiment":"neutral","sentiment_score":0.10448699644594281,"num_words":54,"start":2176.715,"end":2196.7249},{"sentences":[{"text":"All good.","start":2196.7249,"end":2197.365,"sentiment":"neutral","sentiment_score":0.2723279595375061},{"text":"Perfect.","start":2197.365,"end":2197.865,"sentiment":"positive","sentiment_score":0.44547754526138306},{"text":"Now the next document should be your ClearView certificate of currency, I believe.","start":2198.325,"end":2203.2249,"sentiment":"neutral","sentiment_score":0.12459535667529473},{"text":"Yep.","start":2208.2449,"end":2208.54,"sentiment":"neutral","sentiment_score":0.07745052874088287},{"text":"Now this just breaks down your insurance policies in a bit more detail, but basically lets you know that's all paid and up to date.","start":2208.86,"end":2216.4001,"sentiment":"neutral","sentiment_score":0.08806704610586166}],"sentiment":"neutral","sentiment_score":0.1164047567262536,"num_words":42,"start":2196.7249,"end":2216.4001},{"sentences":[{"text":"Now the mhmm.","start":2219.6602,"end":2231.8552,"sentiment":"neutral","sentiment_score":0.019377990315357845},{"text":"9.07% after that.","start":2231.8552,"end":2234.175,"sentiment":"neutral","sentiment_score":0.03869959091146787},{"text":"Yes.","start":2234.175,"end":2234.4,"sentiment":"neutral","sentiment_score":0.06654710322618484},{"text":"So that's just, like, the growth on your investments.","start":2234.72,"end":2237.0598,"sentiment":"neutral","sentiment_score":0.09215240801374118},{"text":"Yes.","start":2237.2,"end":2237.5999,"sentiment":"neutral","sentiment_score":0.17089839279651642}],"sentiment":"neutral","sentiment_score":0.07300293598981465,"num_words":17,"start":2219.6602,"end":2237.5999},{"sentences":[{"text":"After fees.","start":2237.5999,"end":2238.5,"sentiment":"neutral","sentiment_score":0.1937708556652069},{"text":"Yes.","start":2240.7998,"end":2241.2998,"sentiment":"positive","sentiment_score":0.4910721182823181},{"text":"And in a dollar dollar value, so that is not contribution.","start":2241.8398,"end":2245.8599,"sentiment":"neutral","sentiment_score":0.3090019795027646},{"text":"That's just, again, growth on your investments that equates to that 13,096.","start":2246.24,"end":2251.9148,"sentiment":"neutral","sentiment_score":0.32633799438675243},{"text":"Yep.","start":2253.895,"end":2254.395,"sentiment":"neutral","sentiment_score":0.2597554922103882}],"sentiment":"neutral","sentiment_score":0.31309063070350224,"num_words":27,"start":2237.5999,"end":2254.395},{"sentences":[{"text":"Yep.","start":2255.655,"end":2256.135,"sentiment":"neutral","sentiment_score":0.2124272584915161},{"text":"Perfect.","start":2256.135,"end":2256.635,"sentiment":"neutral","sentiment_score":0.32284578680992126},{"text":"Now the next document, David, should be the Oakview services guide.","start":2257.815,"end":2261.9,"sentiment":"neutral","sentiment_score":0.11533888971263712},{"text":"Yep.","start":2263.64,"end":2263.96,"sentiment":"neutral","sentiment_score":0.07955996692180634},{"text":"You would have seen this one a couple of times.","start":2263.96,"end":2265.8,"sentiment":"neutral","sentiment_score":0.06994349658489227}],"sentiment":"neutral","sentiment_score":0.10762482353796561,"num_words":24,"start":2255.655,"end":2265.8},{"sentences":[{"text":"It is one of those compliance documents, but it does give you all the important information in regards to us here at Oakview.","start":2265.8,"end":2272.3,"sentiment":"neutral","sentiment_score":0.14228818306456442},{"text":"I'll let you have a read over this in your own time.","start":2273.175,"end":2275.7551,"sentiment":"neutral","sentiment_score":0.08600343391299248},{"text":"But, basically, all the information in regards to our directors advisers, everything is in there for you.","start":2276.455,"end":2282.235,"sentiment":"neutral","sentiment_score":0.13226735416580648},{"text":"If you do wanna put a face to the voice again, I am on page 10.","start":2283.335,"end":2288.81,"sentiment":"neutral","sentiment_score":0.05827390437480062},{"text":"But, otherwise, I'll let you have a read over that in your own time, which then takes us to your last document, which should be the one where it says consent to ongoing fee arrangements with hub twenty four.","start":2288.81,"end":2305.4648,"sentiment":"neutral","sentiment_score":0.07096194160672334}],"sentiment":"neutral","sentiment_score":0.09582348253194974,"num_words":107,"start":2265.8,"end":2305.4648},{"sentences":[{"text":"Yeah.","start":2305.4648,"end":2305.9648,"sentiment":"neutral","sentiment_score":0.14227932691574097},{"text":"So this one here, it's just your ongoing service agreement, which is just to say that you are happy to stay on as a client.","start":2306.025,"end":2315.63,"sentiment":"positive","sentiment_score":0.3924583476781845},{"text":"Now there is no changes whatsoever in regards to the fee structure for you, David.","start":2316.25,"end":2322.01,"sentiment":"neutral","sentiment_score":0.121925916771094},{"text":"It stays exactly the same at 1.65 from super, so no changes in regards to that.","start":2322.01,"end":2329.0698,"sentiment":"neutral","sentiment_score":0.17691675620153546},{"text":"And it is also not a lock in contract.","start":2329.375,"end":2331.7751,"sentiment":"neutral","sentiment_score":-0.11066835539208518}],"sentiment":"neutral","sentiment_score":0.2063224192595843,"num_words":66,"start":2305.4648,"end":2331.7751},{"sentences":[{"text":"So if at any point in time you are not happy, it is not a lock in contract.","start":2331.7751,"end":2336.195,"sentiment":"neutral","sentiment_score":-0.2128438370095359},{"text":"But by signing this document here, because it will ask for your little signature if you are happy to do so, It just allows us to manage all your investments and everything for you in the meantime.","start":2336.655,"end":2347.82,"sentiment":"neutral","sentiment_score":0.3291867411619908},{"text":"Yep.","start":2349.96,"end":2350.46,"sentiment":"neutral","sentiment_score":0.21286693215370175},{"text":"Yep.","start":2351.6401,"end":2352.04,"sentiment":"neutral","sentiment_score":0.2952854037284851},{"text":"Perfect.","start":2352.04,"end":2352.54,"sentiment":"positive","sentiment_score":0.6368454098701477}],"sentiment":"neutral","sentiment_score":0.16368479487197152,"num_words":58,"start":2331.7751,"end":2352.54},{"sentences":[{"text":"Do you have any questions in regards to any of those documents?","start":2352.68,"end":2355.58,"sentiment":"neutral","sentiment_score":0.25262152093152207},{"text":"No.","start":2358.375,"end":2358.8552,"sentiment":"neutral","sentiment_score":0.03339969366788864},{"text":"Okay.","start":2358.8552,"end":2359.3352,"sentiment":"neutral","sentiment_score":0.12711744010448456},{"text":"Perfect.","start":2359.3352,"end":2359.8352,"sentiment":"neutral","sentiment_score":0.2622891366481781},{"text":"So, basically, when you when you have a moment or if you have the option to do so, it will just ask you to add a little signature on the document that you are in at the moment.","start":2359.895,"end":2371.3699,"sentiment":"neutral","sentiment_score":0.14322108461668617}],"sentiment":"neutral","sentiment_score":0.16786161767986585,"num_words":53,"start":2352.68,"end":2371.3699},{"sentences":[{"text":"But if you're a bit busy sounds like you're a little bit busy at the moment or no?","start":2372.63,"end":2378.49,"sentiment":"neutral","sentiment_score":-0.08455725241866377},{"text":"Ah, perfect.","start":2380.47,"end":2381.2898,"sentiment":"neutral","sentiment_score":0.31610287725925446},{"text":"So it should just ask you to add a signature, automatically sends you sets up the date.","start":2381.3499,"end":2386.725,"sentiment":"neutral","sentiment_score":0.2735894015606712},{"text":"And then, yeah, when you press validate, it should then load and and back to me.","start":2387.265,"end":2392.325,"sentiment":"neutral","sentiment_score":0.2007028511725366},{"text":"Just is it just loading?","start":2393.825,"end":2395.665,"sentiment":"neutral","sentiment_score":0.03192574568092823}],"sentiment":"neutral","sentiment_score":0.1229667135289517,"num_words":58,"start":2372.63,"end":2395.665},{"sentences":[{"text":"Okay.","start":2395.665,"end":2395.905,"sentiment":"neutral","sentiment_score":0.06363736838102341},{"text":"Yeah.","start":2395.905,"end":2396.145,"sentiment":"neutral","sentiment_score":0.07850541919469833},{"text":"So, basically, just kind of recapping that I will get to the team to email you the the lawyer information again, repost the beneficiary form for your super and insurances so we can get that sorted.","start":2396.145,"end":2407.4,"sentiment":"neutral","sentiment_score":0.19246439594361517},{"text":"And I will also put a reminder if we haven't heard from you before in about two months' time for my colleague, Jenna, to reach out to talk a bit more about personal investment options and having a look at any of that kind of property side of things as well for you.","start":2407.7,"end":2422.775,"sentiment":"neutral","sentiment_score":0.18414393756187186},{"text":"Yeah.","start":2424.435,"end":2424.935,"sentiment":"neutral","sentiment_score":-0.0004584137350320816}],"sentiment":"neutral","sentiment_score":0.18293512302815265,"num_words":92,"start":2395.665,"end":2424.935},{"sentences":[{"text":"Mhmm.","start":2433.6501,"end":2434.1501,"sentiment":"neutral","sentiment_score":-0.03778553381562233},{"text":"Okay.","start":2436.9302,"end":2437.4302,"sentiment":"neutral","sentiment_score":0.013385461643338203},{"text":"Yes.","start":2444.385,"end":2444.885,"sentiment":"neutral","sentiment_score":0.04409205913543701},{"text":"Yep.","start":2445.105,"end":2445.605,"sentiment":"neutral","sentiment_score":0.016230817884206772},{"text":"Mhmm.","start":2450.945,"end":2451.445,"sentiment":"neutral","sentiment_score":-0.08481188118457794}],"sentiment":"neutral","sentiment_score":-0.009777815267443656,"num_words":5,"start":2433.6501,"end":2451.445},{"sentences":[{"text":"Yep.","start":2453.665,"end":2454.06,"sentiment":"neutral","sentiment_score":-0.0318460576236248},{"text":"Mhmm.","start":2463.34,"end":2463.84,"sentiment":"neutral","sentiment_score":-0.12077493965625764},{"text":"Yeah.","start":2464.54,"end":2465.04,"sentiment":"neutral","sentiment_score":0.09904424846172331},{"text":"Yeah.","start":2469.0251,"end":2469.5251,"sentiment":"neutral","sentiment_score":0.08442379534244537},{"text":"Yeah.","start":2473.8252,"end":2474.3252,"sentiment":"neutral","sentiment_score":0.059231698513031006}],"sentiment":"neutral","sentiment_score":0.01801574900746345,"num_words":5,"start":2453.665,"end":2474.3252},{"sentences":[{"text":"Yes.","start":2477.5852,"end":2478.0852,"sentiment":"neutral","sentiment_score":0.12567336857318878},{"text":"That would be great.","start":2478.865,"end":2479.89,"sentiment":"positive","sentiment_score":0.5415957570075989},{"text":"Yeah.","start":2480.3699,"end":2480.6099,"sentiment":"neutral","sentiment_score":0.21703283488750455},{"text":"That yeah.","start":2480.6099,"end":2483.0898,"sentiment":"neutral","sentiment_score":0.24522360414266586},{"text":"Perfect.","start":2483.0898,"end":2483.5898,"sentiment":"positive","sentiment_score":0.7999523878097534}],"sentiment":"positive","sentiment_score":0.4221654252873527,"num_words":9,"start":2477.5852,"end":2483.5898},{"sentences":[{"text":"We can definitely do that.","start":2483.65,"end":2484.8499,"sentiment":"positive","sentiment_score":0.743069863319397},{"text":"Hopefully, we can help her as well.","start":2484.8499,"end":2487.0898,"sentiment":"positive","sentiment_score":0.5344302313668388},{"text":"And if it is that she, you know, does come on board, there is a little gift voucher for you as well to say thank you as a little referral bonus, which is which is lovely.","start":2487.0898,"end":2498.185,"sentiment":"positive","sentiment_score":0.414378816054927},{"text":"But if you want to give me her her name and phone number and email, if you have it and best contact time, if she has one, then I can get the team to reach out and see how we can best help her as well.","start":2498.965,"end":2513.16,"sentiment":"neutral","sentiment_score":0.19438859658396762},{"text":"Yes.","start":2521.46,"end":2521.635,"sentiment":"neutral","sentiment_score":0.0922173708677292}],"sentiment":"neutral","sentiment_score":0.3306114855565523,"num_words":95,"start":2483.65,"end":2521.635},{"sentences":[{"text":"Yep.","start":2523.235,"end":2523.555,"sentiment":"neutral","sentiment_score":0.14338037371635437},{"text":"Yep.","start":2523.555,"end":2523.875,"sentiment":"neutral","sentiment_score":0.1672162264585495},{"text":"So I can definitely get them to email email her first, and then she can respond to that with what works best for her.","start":2523.875,"end":2531.735,"sentiment":"neutral","sentiment_score":0.19660204897324243},{"text":"Yep.","start":2533.715,"end":2533.95,"sentiment":"neutral","sentiment_score":0.09830423444509506},{"text":"Holly Mercer.","start":2538.67,"end":2541.41,"sentiment":"neutral","sentiment_score":0.047299426048994064}],"sentiment":"neutral","sentiment_score":0.18006720214054503,"num_words":29,"start":2523.235,"end":2541.41},{"sentences":[{"text":"And last name, how is that spelled?","start":2541.47,"end":2543.73,"sentiment":"neutral","sentiment_score":0.03440969543797629},{"text":"Yep.","start":2547.07,"end":2547.57,"sentiment":"neutral","sentiment_score":0.06233745813369751},{"text":"Oh, beautiful.","start":2547.8699,"end":2548.53,"sentiment":"positive","sentiment_score":0.3589838147163391},{"text":"And best email and contact number if you know?","start":2549.225,"end":2553.405,"sentiment":"neutral","sentiment_score":0.13467690348625183},{"text":"Sure.","start":2556.665,"end":2557.165,"sentiment":"neutral","sentiment_score":0.17997652292251587}],"sentiment":"neutral","sentiment_score":0.12066208049654961,"num_words":20,"start":2541.47,"end":2557.165},{"sentences":[{"text":"That's good.","start":2565.81,"end":2566.3901,"sentiment":"neutral","sentiment_score":0.11103276908397675},{"text":"Yeah.","start":2577.33,"end":2577.4902,"sentiment":"neutral","sentiment_score":0.02304666116833687},{"text":"No.","start":2577.4902,"end":2577.6501,"sentiment":"neutral","sentiment_score":0.008376503363251686},{"text":"That's okay.","start":2577.6501,"end":2578.2449,"sentiment":"neutral","sentiment_score":0.06386595033109188},{"text":"Take your time.","start":2578.2449,"end":2578.9849,"sentiment":"neutral","sentiment_score":0.09785363326470058}],"sentiment":"neutral","sentiment_score":0.07497572257286972,"num_words":9,"start":2565.81,"end":2578.9849},{"sentences":[{"text":"Yep.","start":2585.365,"end":2585.865,"sentiment":"neutral","sentiment_score":-0.024966012686491013},{"text":"Yeah.","start":2587.765,"end":2588.1648,"sentiment":"neutral","sentiment_score":0.02060583233833313},{"text":"Just hold in, Melissa.","start":2588.1648,"end":2589.3848,"sentiment":"neutral","sentiment_score":0.019770183600485325},{"text":"Eighty six.","start":2590.005,"end":2590.92,"sentiment":"neutral","sentiment_score":0.02443680167198181},{"text":"Yep.","start":2590.92,"end":2591.42,"sentiment":"neutral","sentiment_score":0.029864391312003136}],"sentiment":"neutral","sentiment_score":0.01705094985663891,"num_words":9,"start":2585.365,"end":2591.42},{"sentences":[{"text":"@gmail.com.","start":2593.56,"end":2595.8198,"sentiment":"neutral","sentiment_score":0.03774324804544449},{"text":"Perfect.","start":2598.28,"end":2598.78,"sentiment":"neutral","sentiment_score":0.27626341581344604},{"text":"And phone number as well if you have it, but we'll email her first.","start":2599.0,"end":2602.3,"sentiment":"neutral","sentiment_score":0.07980055654687541},{"text":"Eight two six five 552.","start":2607.655,"end":2615.115,"sentiment":"neutral","sentiment_score":0.02508903555572033},{"text":"Beautiful.","start":2615.175,"end":2615.675,"sentiment":"neutral","sentiment_score":0.08447803556919098}],"sentiment":"neutral","sentiment_score":0.07459716676649722,"num_words":22,"start":2593.56,"end":2615.675},{"sentences":[{"text":"I will pass that on to our onboarding team.","start":2616.4402,"end":2620.06,"sentiment":"neutral","sentiment_score":0.32529860900508034},{"text":"I will get them to send her a little email, and then they can kind of tie up a time that works best for her.","start":2620.36,"end":2627.7402,"sentiment":"positive","sentiment_score":0.36929712533950804},{"text":"We'll do a bit of a introduction.","start":2627.8,"end":2629.1802,"sentiment":"positive","sentiment_score":0.3563896800790514},{"text":"Everything is completely complimentary as well.","start":2630.435,"end":2633.095,"sentiment":"positive","sentiment_score":0.7270573675632477},{"text":"But it's always, like, a good free review if anything where we have a bit of a chat to her, see what her goals are, see what her situation is like.","start":2633.315,"end":2640.535,"sentiment":"positive","sentiment_score":0.5161198666018825}],"sentiment":"positive","sentiment_score":0.4489346595528798,"num_words":78,"start":2616.4402,"end":2640.535},{"sentences":[{"text":"We'll then put together a research proposal similar to what we did for you when you came on board.","start":2640.835,"end":2646.45,"sentiment":"positive","sentiment_score":0.43494712992718343},{"text":"And there's obviously no obligation, and it's only after if she is happy to go ahead that there would then be, obviously, the fee.","start":2647.0698,"end":2654.03,"sentiment":"positive","sentiment_score":0.36899179220199585},{"text":"So everything up until she decides if she wants to come on board is completely complimentary.","start":2654.03,"end":2658.415,"sentiment":"positive","sentiment_score":0.5030845478177071},{"text":"Yeah.","start":2660.955,"end":2661.455,"sentiment":"positive","sentiment_score":0.33390966057777405},{"text":"Beautiful.","start":2661.5151,"end":2662.0151,"sentiment":"positive","sentiment_score":0.6365841627120972}],"sentiment":"positive","sentiment_score":0.4285187716366815,"num_words":61,"start":2640.835,"end":2662.0151},{"sentences":[{"text":"Do you remember what the name is?","start":2669.915,"end":2672.4,"sentiment":"neutral","sentiment_score":-0.023942946323326657},{"text":"And I can check.","start":2672.4,"end":2673.6199,"sentiment":"neutral","sentiment_score":-0.052209494169801474},{"text":"Jordan.","start":2679.1199,"end":2679.6199,"sentiment":"neutral","sentiment_score":-0.009051825851202013},{"text":"I might need the first name as well, but, usually, we do if it is that a client because, obviously, we note down right away who's referred.","start":2685.505,"end":2694.085,"sentiment":"neutral","sentiment_score":0.02414181069643409},{"text":"So I will I will check with the team if there is any records of anyone's Jordan Robinson.","start":2695.025,"end":2710.1099,"sentiment":"neutral","sentiment_score":0.005130908270883892}],"sentiment":"neutral","sentiment_score":0.006292891419051509,"num_words":57,"start":2669.915,"end":2710.1099},{"sentences":[{"text":"I will have a look at the team.","start":2712.985,"end":2715.865,"sentiment":"neutral","sentiment_score":0.03407901292666793},{"text":"Just for privacy, I can't tell you tell you anything, but I will check.","start":2715.865,"end":2723.405,"sentiment":"neutral","sentiment_score":0.012585313990712166},{"text":"And if it was that the person who you referred did sign on, usually, we would have sent through the certificate right away.","start":2723.945,"end":2734.36,"sentiment":"neutral","sentiment_score":0.1292908973991871},{"text":"So as soon as a client does sign sign on, we will send you that gift card.","start":2734.36,"end":2737.74,"sentiment":"neutral","sentiment_score":0.1813105344772339},{"text":"I will triple check it for you, though.","start":2738.075,"end":2740.075,"sentiment":"neutral","sentiment_score":0.16453452594578266}],"sentiment":"neutral","sentiment_score":0.11172960618776935,"num_words":70,"start":2712.985,"end":2740.075},{"sentences":[{"text":"And if it was that they did sign on board and you haven't got anything, then I will chase that for you.","start":2740.075,"end":2746.4949,"sentiment":"neutral","sentiment_score":0.09628105569969524},{"text":"Otherwise yeah.","start":2747.275,"end":2748.875,"sentiment":"neutral","sentiment_score":0.12986786663532257},{"text":"But thanks for for letting me know, and I will check.","start":2748.875,"end":2753.02,"sentiment":"positive","sentiment_score":0.43003966930237686},{"text":"But when I sent their email to the onboarding team for Holly, I will note down that you have referred her so that if she does come on board, it will obviously go the gift card to you.","start":2753.02,"end":2763.68,"sentiment":"neutral","sentiment_score":0.18681553045385763},{"text":"Yeah.","start":2772.565,"end":2773.065,"sentiment":"neutral","sentiment_score":0.1313042789697647}],"sentiment":"neutral","sentiment_score":0.19376553725954648,"num_words":74,"start":2740.075,"end":2773.065},{"sentences":[{"text":"Yeah.","start":2773.205,"end":2773.705,"sentiment":"neutral","sentiment_score":0.21075373888015747},{"text":"Yeah.","start":2773.7651,"end":2774.085,"sentiment":"neutral","sentiment_score":0.299541175365448},{"text":"And and that's just that's that's good as well.","start":2774.085,"end":2776.085,"sentiment":"positive","sentiment_score":0.5191931857003106},{"text":"And, hopefully, we can help her similar to what we have for you.","start":2776.085,"end":2779.05,"sentiment":"positive","sentiment_score":0.5783646267194015},{"text":"And, obviously, because you are a client, you can also, obviously, tell her your experience and everything personally, which is great.","start":2779.1301,"end":2786.43,"sentiment":"positive","sentiment_score":0.5289155571233659}],"sentiment":"positive","sentiment_score":0.5290888984998067,"num_words":45,"start":2773.205,"end":2786.43},{"sentences":[{"text":"And if there is that you guys ever wanna work on joint strategies and stuff, sometimes that's, you know, we can always do joint under reviews and stuff like that with couples if that's ever, you know, something you guys want as well.","start":2787.05,"end":2799.665,"sentiment":"neutral","sentiment_score":0.22205624521471734},{"text":"Yep.","start":2801.485,"end":2801.965,"sentiment":"neutral","sentiment_score":0.15676751732826233},{"text":"Beautiful.","start":2801.965,"end":2802.465,"sentiment":"positive","sentiment_score":0.5758070349693298},{"text":"Now do you have anything else for me, David, before I let you go and enjoy your afternoon?","start":2802.7651,"end":2817.8,"sentiment":"neutral","sentiment_score":0.1732493264393674},{"text":"Mhmm.","start":2819.3,"end":2819.625,"sentiment":"neutral","sentiment_score":0.005124952178448439}],"sentiment":"neutral","sentiment_score":0.20944696757214842,"num_words":64,"start":2787.05,"end":2819.625},{"sentences":[{"text":"So with the the property, are you thinking, obviously, outside super, so not inside superannuation?","start":2826.585,"end":2832.525,"sentiment":"neutral","sentiment_score":-0.007779393034676711},{"text":"Yeah.","start":2833.225,"end":2833.725,"sentiment":"neutral","sentiment_score":0.030186820775270466},{"text":"Do you know which type of trust structure?","start":2834.585,"end":2837.8699,"sentiment":"neutral","sentiment_score":-0.014727538684383035},{"text":"Mhmm.","start":2846.65,"end":2847.15,"sentiment":"neutral","sentiment_score":0.0035960152745246887},{"text":"Yep.","start":2848.17,"end":2848.515,"sentiment":"neutral","sentiment_score":0.008887162432074547}],"sentiment":"neutral","sentiment_score":-0.007378507942820971,"num_words":26,"start":2826.585,"end":2848.515},{"sentences":[{"text":"Yep.","start":2851.7148,"end":2852.2148,"sentiment":"neutral","sentiment_score":0.010811015032231808},{"text":"So it and that's for buying a property?","start":2853.315,"end":2857.4148,"sentiment":"neutral","sentiment_score":-0.013183214934542775},{"text":"So because there are it gets quite complicated depending on which trust structure you are looking at with the new changes.","start":2860.035,"end":2868.25,"sentiment":"neutral","sentiment_score":-0.082985995780854},{"text":"Family like, your testamentary trust weren't part of the budget where they are making changes.","start":2870.23,"end":2875.61,"sentiment":"neutral","sentiment_score":-0.06781340266267459},{"text":"They were making quite a lot of changes to other trust structure.","start":2876.1501,"end":2879.205,"sentiment":"neutral","sentiment_score":-0.07950955132643382}],"sentiment":"neutral","sentiment_score":-0.06681888195963805,"num_words":57,"start":2851.7148,"end":2879.205},{"sentences":[{"text":"So so if you guys are looking at discretionary trusts, then they have made changes in regards to that for especially when it comes to kind of low income earners, the minimum rate being the 30% whereas before, if you are not working on low income, you could obviously kind of then distribute the earnings through the low income earner, and kind of use that in a tax effective way.","start":2879.2852,"end":2903.59,"sentiment":"neutral","sentiment_score":0.007615690279219832},{"text":"So they have changed the rules in regards to that for discretionary co correct just to kinda limit the tax benefit as much, I guess.","start":2903.59,"end":2920.74,"sentiment":"neutral","sentiment_score":-0.10687663614749908},{"text":"From, like, the discretionary trust into who it is.","start":2933.46,"end":2938.075,"sentiment":"neutral","sentiment_score":0.005398967199855381},{"text":"They they yeah.","start":2942.855,"end":2945.275,"sentiment":"neutral","sentiment_score":-0.009534812221924463},{"text":"They have tied it a lot of things with the budget, so there's a lot of changes, especially even with, like, self managed super funds as well.","start":2945.4949,"end":2955.98,"sentiment":"neutral","sentiment_score":-0.01881972810736409}],"sentiment":"neutral","sentiment_score":-0.019604208767970106,"num_words":134,"start":2879.2852,"end":2955.98},{"sentences":[{"text":"So if you ever wanted to before, you could obviously set up a property within a self managed super fund, and you can use a borrowing arrangement to buy a property through your self managed super fund, that has changed.","start":2956.04,"end":2970.175,"sentiment":"neutral","sentiment_score":0.06392461070790886},{"text":"So the only way you could now buy a property through a self managed super fund if you want to borrow money is through commercial property.","start":2970.395,"end":2979.62,"sentiment":"neutral","sentiment_score":-0.005502626299858093},{"text":"You can't do it for residential property anymore.","start":2979.62,"end":2982.4402,"sentiment":"neutral","sentiment_score":-0.21350954473018646},{"text":"So the only way yeah.","start":2982.9001,"end":2984.74,"sentiment":"neutral","sentiment_score":-0.022673611342906953},{"text":"So if you wanted to do, like, an investment property through a self managed superfund, you can't borrow for us anymore.","start":2984.74,"end":2990.675,"sentiment":"neutral","sentiment_score":-0.07325425921451478}],"sentiment":"neutral","sentiment_score":-0.009458677135407925,"num_words":100,"start":2956.04,"end":2990.675},{"sentences":[{"text":"So they've made quite a few changes, and, yeah, that changed that had to have been in place the tenth of this month.","start":2990.675,"end":2996.695,"sentiment":"neutral","sentiment_score":-0.14004011322622714},{"text":"So they've made that a little bit harder as well.","start":2997.075,"end":2999.655,"sentiment":"negative","sentiment_score":-0.33757976442575455},{"text":"Yeah.","start":3000.835,"end":3001.335,"sentiment":"neutral","sentiment_score":-0.026276178658008575},{"text":"So, like, if if you wanted to do it today so let's say you and Holly wanted to combine your supers and do a self managed super fund, and you wanted to have a property as part of your portfolio within the self managed super fund, but you obviously wanted to or needed to borrow against it.","start":3003.795,"end":3022.585,"sentiment":"neutral","sentiment_score":-0.01687912874969474},{"text":"So you didn't have enough for, obviously, the property.","start":3022.805,"end":3025.385,"sentiment":"neutral","sentiment_score":-0.15695997741487291}],"sentiment":"neutral","sentiment_score":-0.08997746562585235,"num_words":100,"start":2990.675,"end":3025.385},{"sentences":[{"text":"You were then you used to have a loan agreement outside superannuation through, obviously, finance and buy the investment property, and that would obviously kind of be filtered through a different cash account where you had obviously payments and everything going in.","start":3025.925,"end":3040.73,"sentiment":"neutral","sentiment_score":-0.0711547642547105},{"text":"That, you can't do anymore.","start":3041.19,"end":3042.73,"sentiment":"neutral","sentiment_score":-0.20389002561569214},{"text":"So you can't have that loan arrangement for a residential property.","start":3042.79,"end":3046.79,"sentiment":"neutral","sentiment_score":-0.044058431617238304},{"text":"It has to be commercial.","start":3046.79,"end":3048.0898,"sentiment":"neutral","sentiment_score":-0.025275350734591483},{"text":"So, yeah, that makes that quite quite different as well.","start":3049.575,"end":3053.095,"sentiment":"neutral","sentiment_score":-0.030880145076662303}],"sentiment":"neutral","sentiment_score":-0.06750371478089731,"num_words":73,"start":3025.925,"end":3053.095},{"sentences":[{"text":"So a lot of changes.","start":3053.095,"end":3054.235,"sentiment":"neutral","sentiment_score":-0.050228499621152875},{"text":"Yeah.","start":3056.455,"end":3056.955,"sentiment":"neutral","sentiment_score":-0.0006083650514483452},{"text":"Mhmm.","start":3070.3499,"end":3070.8499,"sentiment":"neutral","sentiment_score":-0.00014451704919338226},{"text":"So with the self managed super fund, you can't have a property through a self managed super fund if you live in it.","start":3081.885,"end":3090.3,"sentiment":"neutral","sentiment_score":-0.11459049906419672},{"text":"It has so even with alright.","start":3090.3,"end":3093.34,"sentiment":"neutral","sentiment_score":-0.20185768666366735}],"sentiment":"neutral","sentiment_score":-0.11385063829624818,"num_words":36,"start":3053.095,"end":3093.34},{"sentences":[{"text":"Okay.","start":3093.34,"end":3093.84,"sentiment":"neutral","sentiment_score":-0.0556594580411911},{"text":"Does she already have the property within a self managed super fund, or that was something she was looking at doing?","start":3094.22,"end":3100.08,"sentiment":"neutral","sentiment_score":-0.10008629517895835},{"text":"No.","start":3100.86,"end":3101.36,"sentiment":"negative","sentiment_score":-0.5347968339920044},{"text":"And does she have a loan attached to it?","start":3101.9001,"end":3104.025,"sentiment":"neutral","sentiment_score":-0.07028246712353495},{"text":"Yes.","start":3106.105,"end":3106.585,"sentiment":"neutral","sentiment_score":-0.0497671440243721}],"sentiment":"neutral","sentiment_score":-0.10225993451295477,"num_words":33,"start":3093.34,"end":3106.585},{"sentences":[{"text":"So unless what's in her super will pay off the loan completely, then no.","start":3106.585,"end":3116.045,"sentiment":"neutral","sentiment_score":-0.26794914581945967},{"text":"So yeah.","start":3116.9849,"end":3119.25,"sentiment":"neutral","sentiment_score":-0.012916564010083675},{"text":"Yeah.","start":3119.73,"end":3120.23,"sentiment":"neutral","sentiment_score":-0.01637456752359867},{"text":"But, obviously, depends on because, obviously, I can't give any personal advice for her because, obviously, I don't know her full situation and stuff like that.","start":3120.93,"end":3128.07,"sentiment":"neutral","sentiment_score":-0.1672514777344007},{"text":"Yeah.","start":3128.93,"end":3129.43,"sentiment":"neutral","sentiment_score":0.02926303818821907}],"sentiment":"neutral","sentiment_score":-0.18438116181641817,"num_words":44,"start":3106.585,"end":3129.43},{"sentences":[{"text":"No.","start":3131.81,"end":3132.13,"sentiment":"neutral","sentiment_score":-0.22432562708854675},{"text":"Perfect.","start":3132.13,"end":3132.63,"sentiment":"neutral","sentiment_score":-0.06149816885590553},{"text":"It would depend on which product you would have have it with.","start":3150.42,"end":3155.72,"sentiment":"neutral","sentiment_score":0.002318077410260836},{"text":"So often, some people just have a property, and then they have the minimum cash associated with whatever product.","start":3157.0598,"end":3165.765,"sentiment":"neutral","sentiment_score":0.004502320760174801},{"text":"So whichever platform they use for, obviously, the cash flow and everything with the self managed super fund, They sometimes have a minimum balance.","start":3165.765,"end":3175.79,"sentiment":"neutral","sentiment_score":0.04648522582526008}],"sentiment":"neutral","sentiment_score":0.01654706398646037,"num_words":57,"start":3131.81,"end":3175.79},{"sentences":[{"text":"Like, we'd have 24 even with your account, they have a minimum of of 1.25% that has to be in cash to account.","start":3175.79,"end":3184.85,"sentiment":"neutral","sentiment_score":-0.012313187770221544},{"text":"Usually not.","start":3197.165,"end":3198.605,"sentiment":"neutral","sentiment_score":-0.21157843619585037},{"text":"Like, you unless it's, like, a different product, but a lot of the ones that we have for clients with self managed super funds, the bigger issue is more so, obviously, liquidity and diversification.","start":3198.605,"end":3210.5999,"sentiment":"neutral","sentiment_score":-0.1300182782990091},{"text":"Because if you had everything in just the property and something would've happened to the property market, like, even now, we're obviously seeing a bit of bit of prices coming down for for property.","start":3211.235,"end":3221.335,"sentiment":"neutral","sentiment_score":-0.2003650915096788},{"text":"Obviously, if you have all your super completely locked into a property and you need to access that money for some reason, it's obviously very it's not very liquid.","start":3221.875,"end":3232.41,"sentiment":"neutral","sentiment_score":-0.25656676061194517}],"sentiment":"neutral","sentiment_score":-0.15885107231433274,"num_words":122,"start":3175.79,"end":3232.41},{"sentences":[{"text":"You can't just sell something quickly and get the money, and everything is tied up into the property.","start":3232.41,"end":3237.93,"sentiment":"neutral","sentiment_score":-0.22794925338692135},{"text":"So a lot of the times, people will have a property and an investment account with the self managed super fund, but not everyone does it.","start":3237.93,"end":3245.455,"sentiment":"neutral","sentiment_score":-0.04325433526761257},{"text":"Some people just have a investment account.","start":3245.455,"end":3247.855,"sentiment":"neutral","sentiment_score":-0.05601698692355837},{"text":"Some people just have a property.","start":3247.855,"end":3249.395,"sentiment":"neutral","sentiment_score":-0.03332141321152449},{"text":"But in terms of their percentage, it would depend on each like, the provider that they have the self managed super funds because there's a lot of different yeah.","start":3250.2551,"end":3259.62,"sentiment":"neutral","sentiment_score":-0.03247035448921138}],"sentiment":"neutral","sentiment_score":-0.07862077844004299,"num_words":86,"start":3232.41,"end":3259.62},{"sentences":[{"text":"Again, it's kind of similar to your hub 24.","start":3259.62,"end":3262.34,"sentiment":"neutral","sentiment_score":-0.013887364003393386},{"text":"There's hundreds of different super funds to choose from.","start":3262.34,"end":3264.5,"sentiment":"neutral","sentiment_score":-0.005471132281753752},{"text":"There are different accounts that you can set up with the self managed super funds, and each provider does have a a slightly different limitation on that as well.","start":3264.5,"end":3273.2349,"sentiment":"neutral","sentiment_score":-0.07875353624594622},{"text":"That's okay.","start":3277.135,"end":3277.875,"sentiment":"neutral","sentiment_score":0.08425867557525635},{"text":"Mhmm.","start":3290.59,"end":3291.09,"sentiment":"neutral","sentiment_score":0.014032850041985512}],"sentiment":"neutral","sentiment_score":-0.045510576330125334,"num_words":50,"start":3259.62,"end":3291.09},{"sentences":[{"text":"Yep.","start":3293.4702,"end":3293.835,"sentiment":"neutral","sentiment_score":0.0201982781291008},{"text":"It sometimes changes.","start":3300.395,"end":3302.095,"sentiment":"neutral","sentiment_score":0.0028307645892103515},{"text":"So, usually because we've just kind of made some changes to some of our fee structures, so we would kind of consider it.","start":3302.875,"end":3312.85,"sentiment":"neutral","sentiment_score":0.03427040242873456},{"text":"Now sometimes it's then split proportionately.","start":3312.85,"end":3315.6702,"sentiment":"neutral","sentiment_score":0.04182054412861665},{"text":"So with the next year, we are looking at doing more of a tiered fee structure.","start":3316.61,"end":3324.325,"sentiment":"neutral","sentiment_score":0.06149796023964882}],"sentiment":"neutral","sentiment_score":0.041873478701300156,"num_words":49,"start":3293.4702,"end":3324.325},{"sentences":[{"text":"So it would be but the good thing is that it will be based on your pool of money.","start":3327.905,"end":3332.325,"sentiment":"neutral","sentiment_score":0.2702660333169134},{"text":"So if you were to then with your super, with your investment, that takes you up to, like, the next tier, then that would make it cheaper, if that makes sense, because it's kind of like an accumulation of that.","start":3332.545,"end":3345.26,"sentiment":"neutral","sentiment_score":0.15328868329524994},{"text":"But if it was correct.","start":3346.04,"end":3350.3,"sentiment":"neutral","sentiment_score":0.09634136408567429},{"text":"Yes.","start":3350.4402,"end":3350.865,"sentiment":"neutral","sentiment_score":0.15550971031188965},{"text":"To make it a little bit more affordable because it's we're then kind of using this farm as a whole, then separate, if that makes sense.","start":3350.865,"end":3360.405,"sentiment":"neutral","sentiment_score":0.17147915380505416}],"sentiment":"neutral","sentiment_score":0.17980523620332992,"num_words":91,"start":3327.905,"end":3360.405},{"sentences":[{"text":"So then, like, the more money you have, the cheaper it will be.","start":3360.705,"end":3364.165,"sentiment":"neutral","sentiment_score":0.16912964616830534},{"text":"But if we were to do some research on and it would depend on the type of investment.","start":3364.65,"end":3368.99,"sentiment":"neutral","sentiment_score":0.06924434606399801},{"text":"Investment bonds are sometimes a little bit different to personal investments.","start":3369.0498,"end":3372.03,"sentiment":"neutral","sentiment_score":0.031006965108893135},{"text":"But when we do have a chat to you about what you are looking at and which investment option might be the most suitable for you, we would put everything in that statement of advice, and that will show you all the fees and everything like that before you'd obviously make a decision.","start":3372.73,"end":3389.365,"sentiment":"neutral","sentiment_score":0.08755710137621411},{"text":"Yep.","start":3391.5051,"end":3392.0051,"sentiment":"neutral","sentiment_score":0.25194251537323}],"sentiment":"neutral","sentiment_score":0.090402386810941,"num_words":96,"start":3360.705,"end":3392.0051},{"sentences":[{"text":"Perfect.","start":3393.3801,"end":3393.54,"sentiment":"positive","sentiment_score":0.617124080657959},{"text":"Any other questions, David?","start":3393.54,"end":3394.9202,"sentiment":"neutral","sentiment_score":0.3174706846475601},{"text":"No?","start":3397.1401,"end":3397.6401,"sentiment":"positive","sentiment_score":0.3511074185371399},{"text":"That is no problem at all.","start":3398.1802,"end":3400.28,"sentiment":"positive","sentiment_score":0.49968382716178894},{"text":"Now I can see that that document that you signed has come through, which is great.","start":3401.1401,"end":3404.98,"sentiment":"positive","sentiment_score":0.5209988323040307}],"sentiment":"positive","sentiment_score":0.48472137562930584,"num_words":28,"start":3393.3801,"end":3404.98},{"sentences":[{"text":"I will get on to my team, obviously, contacting Holly, emailing that stuff to you, and I will also brief you out my con my colleague, Jenna.","start":3404.98,"end":3413.565,"sentiment":"neutral","sentiment_score":0.15294907131680735},{"text":"So probably next week, you will get that email from me just with her direct contact details.","start":3413.7852,"end":3421.0051,"sentiment":"neutral","sentiment_score":0.127265061964007},{"text":"If you forget and your email will call me directly, that's fine.","start":3421.3599,"end":3424.88,"sentiment":"neutral","sentiment_score":0.0780000447606047},{"text":"Like, if you call the office and ask for me, they will just direct it to her anyway, and my emails will be automatically forwarded to her as well.","start":3424.88,"end":3431.78,"sentiment":"neutral","sentiment_score":0.14273505863444558},{"text":"Yep.","start":3433.3599,"end":3433.8599,"sentiment":"positive","sentiment_score":0.514908492565155}],"sentiment":"neutral","sentiment_score":0.13817856638410755,"num_words":86,"start":3404.98,"end":3433.8599},{"sentences":[{"text":"Beautiful.","start":3433.92,"end":3434.42,"sentiment":"positive","sentiment_score":0.7719855904579163},{"text":"Well, thank you so much for your time today, David.","start":3434.885,"end":3437.125,"sentiment":"positive","sentiment_score":0.7691152036190033},{"text":"Obviously, I hope everything goes well with the IP claim and that you recover soon and get back to everything.","start":3437.125,"end":3444.025,"sentiment":"positive","sentiment_score":0.5149789050221443},{"text":"But, obviously, let us know how it's all kind of progressing for you as well and if there's anything else you do need help with.","start":3444.165,"end":3451.3198,"sentiment":"positive","sentiment_score":0.382093762755394},{"text":"Yeah.","start":3452.66,"end":3453.16,"sentiment":"neutral","sentiment_score":0.12366816401481628}],"sentiment":"positive","sentiment_score":0.4989250519296579,"num_words":57,"start":3433.92,"end":3453.16},{"sentences":[{"text":"Yes.","start":3453.86,"end":3454.34,"sentiment":"neutral","sentiment_score":0.13335362076759338},{"text":"First one, I'm having a little girl.","start":3454.34,"end":3456.28,"sentiment":"neutral","sentiment_score":0.1809327176639012},{"text":"Yeah.","start":3458.02,"end":3458.52,"sentiment":"neutral","sentiment_score":0.3315906524658203},{"text":"Yeah.","start":3461.06,"end":3461.38,"sentiment":"neutral","sentiment_score":0.05287900194525719},{"text":"Yep.","start":3461.38,"end":3461.78,"sentiment":"neutral","sentiment_score":0.2111055701971054}],"sentiment":"neutral","sentiment_score":0.1814052608202804,"num_words":11,"start":3453.86,"end":3461.78},{"sentences":[{"text":"Thank you very much.","start":3461.78,"end":3462.74,"sentiment":"positive","sentiment_score":0.7240553647279739},{"text":"Look forward to it, and I look forward to kind of reconnecting with you when I'm back.","start":3462.74,"end":3467.165,"sentiment":"positive","sentiment_score":0.5772988620926353},{"text":"I'm off for twelve months, and then, obviously, seeing how everything's progressed for you and where everything's at.","start":3467.165,"end":3472.865,"sentiment":"neutral","sentiment_score":0.19661729203330147},{"text":"A bit of a roller coaster, but I'm sure I'm sure it'll be very special.","start":3478.125,"end":3481.7,"sentiment":"positive","sentiment_score":0.4713451902071635},{"text":"Thank you so much.","start":3481.92,"end":3483.06,"sentiment":"positive","sentiment_score":0.7953158468008041}],"sentiment":"positive","sentiment_score":0.4569112864033929,"num_words":58,"start":3461.78,"end":3483.06},{"sentences":[{"text":"Thank you, David.","start":3483.92,"end":3484.8,"sentiment":"positive","sentiment_score":0.6282717188199362},{"text":"We'll speak soon.","start":3484.8,"end":3485.86,"sentiment":"positive","sentiment_score":0.34008808930714923},{"text":"Alright.","start":3487.1199,"end":3487.6199,"sentiment":"neutral","sentiment_score":0.17139509320259094},{"text":"Bye.","start":3487.68,"end":3488.18,"sentiment":"neutral","sentiment_score":-0.05315034091472626}],"sentiment":"positive","sentiment_score":0.3779155220836401,"num_words":8,"start":3483.92,"end":3488.18}]}}]},{"alternatives":[{"transcript":"Hello? It is. Good. How are you? Mhmm. There it is. Yep. Yep. It's David Andrew Eastman. Six zero third nineteen eighty eight. And my address is 16 Old Northern Road in Avenue Park. Hang on. Yep. Oh, just this just this last four days. But they said it's sorry? Oh, I just said yeah. They said that it's gonna be, like, a six week and I did ask him if he if there's a thirty day waiting period. It's Whether they back pay over those thirty days or they're still not It will be. So I'm gonna be off work, basically, sixty days to get paid for thirty. Is that what you're saying? Yep. Okay. Yeah. Right. Okay. Alright. He said he's he's posting it. Yep. Yep. Okay. Yeah. They allow me to use personal leave at the moment. No. Better check them out because they don't put them on your payslip. So oh, yeah. Wait a minute. I have I have oh, let's see. No. Yeah. I don't wanna be use yeah. I wanna be using a router for the half day. Too. Yeah. Yeah. So that's that's how I process with the the physio. But I will be going to get a doctor's appointment once those paperwork comes as well because he said he'll need that phone. Sure. Yep. Okay. Perfect. Yep. Well, I don't know how you classify financial dependence as because I don't have them all the time. And for three for three days. Yeah. Yeah. Whereas whereas with banks and stuff, you don't I essentially don't have independence because I'm not the primary caregiver. Oh, yeah. Yeah. Yeah. For sure. Yeah. Yeah. That will do for now. No. No. They do have me in a different position. I am a die setter now, so I'm changing the tooling of of the machines. Yeah. It's not too bad. It's just another area to be doing. I think I've done everything now rather than price fix production manager. Yeah. Sorry? Yeah. Yeah. I think I could put up to, like, 100 and 5. Yep. Yep. No. Just renting. Mhmm. No. So I've got I've got one. She ended up having the other one, but then crashed it anyway. But anyways, it's this one. I think it's value mark value is 18. Oh, yeah. The other sorry. The other car is my project car. Yeah. That's on my mom's. Hard to tell because it's not running, but the parts are, yeah, probably about 20 or 30,000. Yeah. Probably probably yeah. If I was to strip it off and sell it, it'd be, yeah, about 30,000. I think I have, like, three jobs left on the line. Yeah. Yep. Yeah. That's fine. Yeah. Well, I got more way more savings now because I've got to pay out on a house. Yeah. I have a 170 thousand. Yeah. Maybe, like, a holiday stay. Just like a a PDR kind of all it holiday stay at the Gold Coast. There's a couple at the man that seem to be having a good revenue with the cost of it. So sorry? Yeah. Absolutely. Yeah. You can't you can't live in that. But yeah. Yeah. I do have about $10 stocks at the moment. Yeah. That's in the platform. No. That's that's about No. No. No. I know you sent through stuff, but I haven't yeah. Yeah. The list is long at the moment. Yeah. That's I mean, that was a I think that was a part of what I was supposed to do to change that. Yeah. I think I was maybe I was gonna put down my mom so then she would do the, like, a guardian, I guess, of that money for the kids. Okay. Okay. And then I'll probably need paperwork written up to say. Yep. Okay. Okay. Is that something that I could set up with like, get advice from you guys to do? Or yeah. Uh-huh. Yeah. Yes. Okay. Okay. Yeah. So it goes away anyway. Yeah. Right. Yeah. Yep. Okay. For sure. For sure. Okay. Okay. Yeah. Maybe if we can send that. Yeah. Uh-huh. Sure thing. No. No. That's makes sense. Okay. So I think last was I talking to you last year? Okay. So I was talking to you about, like, maybe using getting you to look after some of the money financially is to, you know, put it the same way that I have my super that I have yeah. Is there, like, a an as limited amount to, like, that you guys would then manage, or, like, what would be the minimum? Mhmm. Oh, yeah. For sure. I wouldn't I wouldn't expect anything less, to be honest. Alright. Mhmm. Is that because there's a kick a kickback with for investing in bonds? Like, that it can be cheaper? Like yeah. Why like, so yeah. Is it because it's, like, less less management fee for that? Or mhmm. Yeah. Of course. Of course. Yep. Yep. I I get I get I get what you mean because of the the the laws on yeah. I get it. Not particularly, but I have been looking I have been, like, researching in day trading and stuff and to if it goes through, like, say, US markets and stuff, you'd you need that minimum of $20,000. Okay. Oh, okay. Mhmm. Yes. Mhmm. Uh-huh. Yeah. Right. Yeah. Right. I see. Yep. Okay. Yeah. I kinda just wanted it to be the same kind of setup as what yeah. It's in that within this this super account. So it's it's been doing not too bad. Yeah. Okay. Yep. Yeah. Yeah. Yeah. So probably in a month month or so. Maybe two. Oh, wow. Congratulations. Yep. Okay. Yes. Okay. No. That's that's pretty good. Alright. So let us let us know how things have been going. Yep. I guess, like, I was I was looking at those apartments. Yeah. I just I haven't pulled the trigger on it yet. I just need to do more of the numbers. Is that something that I could, like, come in to you guys with and show you and get some advice on it? Or Yeah. Oh, yeah. Yeah. Of course. Of course. I was more seeing how it sound how it sound. It was what you guys been doing. Definitely be positive. I'll stay away from negative here. Mhmm. Oh, yeah. Full, like, double sheet for you. You have Yeah. That would be great. But yeah. No. Like yeah. They're about, I think, they're about 230,000, and the gross is, like, the last couple of years have been about 45 a year. So then, you know, body pay. Yeah. Yeah. At the Gold Coast. Yeah. And then, you know, with Body Corporate, you know, it takes about 14 off. The mortgage would probably be about 12. And then yeah. Yeah. Then seems to seems to positively cash flow, like, about 18 thousand. So, like, maybe, like, a 60,000 dollars down. Yeah. Yeah. For sure. Mhmm. Yeah. No. That's that's that's fine. I'm happy with that. Yep. Hold on. Let me just Yep. Yes. A 131,000. No. Yes. Sorry. That it won't change the amount as it goes along, like, whichever goes. Okay. Sweet. Yeah. Because we're covered like, it covers 75% for six months, and then it goes down to 60 five and then 55. Okay. Okay. Yep. Yep. Yep. Sorry. What was that, babe? Yes. Yeah. Yeah. Yeah. It's not bad. The performance with IRR or the this is the one that's set again. Okay. Give me a second. Oh, the Vanguard. Yep. Mhmm. Yeah. No. No. That's fine. Yep. After your sorry. Go back to before. After your fees and insurances, it's still about 9%. Yeah. That's That's great. Awesome. Very happy. Okay. Yep. That's awesome. Okay. Yep. Yep. Yes. No. I can I just I just signed it now? Yeah. It's just yeah. Yeah. I do have my girlfriend at the moment. She's gone through a divorce and has super in two different areas. But it's it's it's in the same Australian Retirement Trust that I was before I came with you guys. And I said to her, like, you gotta you gotta change it because you never get more than 6%, like, from those from those guys. And, yeah, before, you know, she was just she was a stay at home mom. She didn't really have much. But now she's got more than I do. And I'm like, you gotta get it managed. And then so I wanna we're trying to line something up. I wanna give you guys her details to then contact her and then why. Yeah. Yes. It's Charlotte. Can you guys, like, flick her a message? So that way she can then line something up with me. Yeah. Okay. Sweet. Yeah. Okay. So her name is Holly Mercer, M e r c e r. Yep. Just one second. She's, like, been a great organizer of life. So I'm just going into my calendar, which has which has a why is it not showing up? So I'll just bring it up. So it's it's Holly Mercer. No no dots or dashes or anything. 80 six at Gmail dot com. Yeah. For sure. It's 0432265552. Yeah. Yep. Oh, for sure. Was I did refer someone else. I'm just wondering if they ended up joining with you guys. It was I I don't remember. Remember. See if I've got his last name, but it was Jordan. I don't know if he fully followed through with it or I Yeah. Yeah. It's Yeah. So it's Jordan Robinson. Yeah. Yeah. Yeah. Yeah. For sure. Yeah. Yeah. Yeah. Awesome. I'm I'm all worried about her actually doing it because, yeah, it's she, yeah, she definitely needs it. Yeah. Yeah. For sure. Okay. Oh, look. I I can pick your brain. So I was looking at putting this property in a trust. What's the what's the go with the new updates on on trust that the government changes? Yeah. Yeah. Yeah. That's fine. Yeah. Well, I'm I'm flicking up between, like, just the like, a kind of business partner trust or a family trust to go in with with Holly herself. Yeah. Yeah. Yep. Okay. So they put it under a base of 30% just like a biz. And and you and I I heard that you've they're more tied on actually physically transferring the the money itself. Is that right? Or or the, like, a Yeah. You used to be able to, like, pretty much just put it on paper that that's what was gonna happen, and then the money could still gonna stay in the trust. Okay. Oh, well. Is that if you've owned the property beforehand or, like, as a yeah. Yeah. Uh-huh. Yeah. Yeah. Right. Okay. Yeah. Right. So say, for example, my mom's got a she's on the way to retirement. She was looking at paying off her her through through setting up a self managed super fund. If she's already owned it, does that still does that rules still apply, or is it still the old rules with that? Oh, no. She doesn't she doesn't live she doesn't live in it. No. Sorry. Sorry. She was really enjoying that. Okay. Yes. Okay. Alright. Okay. I'll let her know. But yeah. Yeah. For sure. Yeah. Yeah. Absolute absolutely. No. I'm not saying it's gospel. Would that so so if she does that still apply so if she could pay off the cell the the loan with a super, is there still that percentage where you have to leave, like, a certain amount in your super or other investments. Okay. Alright. Yep. Alright. I thought it was like a I thought it was like a you couldn't invest more than 6060% into a property, but maybe I was wrong on that. Yeah. Yeah. Yeah. Yes. Okay. Yep. Okay. Fair enough. And last last question before I let you go is is so you I was gonna give you guys, like, $50 to do the same kind of setup as my super, but for, obviously, personal investment. Is it around is it around the same percentage management fee? Or Yeah. But I have interest in it. Yeah. Oh, okay. Okay. Oh, that's so you consider both of them together. Yeah. Okay. Cool. Yeah. Yeah. I think so. Sounds great. Alright. That's perfect. Thank you very much. Sure. Perfect. Yeah. For sure. And best of luck with your pregnancy. 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It is. Good. How are you? Mhmm.\n\nThere it is. Yep. Yep. It's David Andrew Eastman. Six zero third nineteen eighty eight.\n\nAnd my address is 16 Old Northern Road in Avenue Park. Hang on. Yep. Oh, just this just this last four days. But they said it's sorry?\n\nOh, I just said yeah. They said that it's gonna be, like, a six week and I did ask him if he if there's a thirty day waiting period. It's Whether they back pay over those thirty days or they're still not It will be. So I'm gonna be off work, basically, sixty days to get paid for thirty. Is that what you're saying?\n\nYep. Okay. Yeah. Right. Okay.\n\nAlright. He said he's he's posting it. Yep. Yep. Okay.\n\nYeah. They allow me to use personal leave at the moment. No. Better check them out because they don't put them on your payslip. So oh, yeah.\n\nWait a minute. I have I have oh, let's see. No. Yeah. I don't wanna be use yeah.\n\nI wanna be using a router for the half day. Too. Yeah. Yeah. So that's that's how I process with the the physio.\n\nBut I will be going to get a doctor's appointment once those paperwork comes as well because he said he'll need that phone. Sure. Yep. Okay. Perfect.\n\nYep. Well, I don't know how you classify financial dependence as because I don't have them all the time. And for three for three days. Yeah. Yeah.\n\nWhereas whereas with banks and stuff, you don't I essentially don't have independence because I'm not the primary caregiver. Oh, yeah. Yeah. Yeah. For sure.\n\nYeah. Yeah. That will do for now. No. No.\n\nThey do have me in a different position. I am a die setter now, so I'm changing the tooling of of the machines. Yeah. It's not too bad. It's just another area to be doing.\n\nI think I've done everything now rather than price fix production manager. Yeah. Sorry? Yeah. Yeah.\n\nI think I could put up to, like, 100 and 5. Yep. Yep. No. Just renting.\n\nMhmm. No. So I've got I've got one. She ended up having the other one, but then crashed it anyway. But anyways, it's this one.\n\nI think it's value mark value is 18. Oh, yeah. The other sorry. The other car is my project car. Yeah.\n\nThat's on my mom's. Hard to tell because it's not running, but the parts are, yeah, probably about 20 or 30,000. Yeah. Probably probably yeah. If I was to strip it off and sell it, it'd be, yeah, about 30,000.\n\nI think I have, like, three jobs left on the line. Yeah. Yep. Yeah. That's fine.\n\nYeah. Well, I got more way more savings now because I've got to pay out on a house. Yeah. I have a 170 thousand. Yeah.\n\nMaybe, like, a holiday stay. Just like a a PDR kind of all it holiday stay at the Gold Coast. There's a couple at the man that seem to be having a good revenue with the cost of it. So sorry? Yeah.\n\nAbsolutely. Yeah. You can't you can't live in that. But yeah. Yeah.\n\nI do have about $10 stocks at the moment. Yeah. That's in the platform. No. That's that's about No.\n\nNo. No. I know you sent through stuff, but I haven't yeah. Yeah. The list is long at the moment.\n\nYeah. That's I mean, that was a I think that was a part of what I was supposed to do to change that. Yeah. I think I was maybe I was gonna put down my mom so then she would do the, like, a guardian, I guess, of that money for the kids. Okay.\n\nOkay. And then I'll probably need paperwork written up to say. Yep. Okay. Okay.\n\nIs that something that I could set up with like, get advice from you guys to do? Or yeah. Uh-huh. Yeah. Yes.\n\nOkay. Okay. Yeah. So it goes away anyway. Yeah.\n\nRight. Yeah. Yep. Okay. For sure.\n\nFor sure. Okay. Okay. Yeah. Maybe if we can send that.\n\nYeah. Uh-huh. Sure thing. No. No.\n\nThat's makes sense. Okay. So I think last was I talking to you last year? Okay. So I was talking to you about, like, maybe using getting you to look after some of the money financially is to, you know, put it the same way that I have my super that I have yeah.\n\nIs there, like, a an as limited amount to, like, that you guys would then manage, or, like, what would be the minimum? Mhmm. Oh, yeah. For sure. I wouldn't I wouldn't expect anything less, to be honest.\n\nAlright. Mhmm. Is that because there's a kick a kickback with for investing in bonds? Like, that it can be cheaper? Like yeah.\n\nWhy like, so yeah. Is it because it's, like, less less management fee for that? Or mhmm. Yeah. Of course.\n\nOf course. Yep. Yep. I I get I get I get what you mean because of the the the laws on yeah. I get it.\n\nNot particularly, but I have been looking I have been, like, researching in day trading and stuff and to if it goes through, like, say, US markets and stuff, you'd you need that minimum of $20,000. Okay. Oh, okay. Mhmm. Yes.\n\nMhmm. Uh-huh. Yeah. Right. Yeah.\n\nRight. I see. Yep. Okay. Yeah.\n\nI kinda just wanted it to be the same kind of setup as what yeah. It's in that within this this super account. So it's it's been doing not too bad. Yeah. Okay.\n\nYep. Yeah. Yeah. Yeah. So probably in a month month or so.\n\nMaybe two. Oh, wow. Congratulations. Yep. Okay.\n\nYes. Okay. No. That's that's pretty good. Alright.\n\nSo let us let us know how things have been going. Yep. I guess, like, I was I was looking at those apartments. Yeah. I just I haven't pulled the trigger on it yet.\n\nI just need to do more of the numbers. Is that something that I could, like, come in to you guys with and show you and get some advice on it? Or Yeah. Oh, yeah. Yeah.\n\nOf course. Of course. I was more seeing how it sound how it sound. It was what you guys been doing. Definitely be positive.\n\nI'll stay away from negative here. Mhmm. Oh, yeah. Full, like, double sheet for you. You have Yeah.\n\nThat would be great. But yeah. No. Like yeah. They're about, I think, they're about 230,000, and the gross is, like, the last couple of years have been about 45 a year.\n\nSo then, you know, body pay. Yeah. Yeah. At the Gold Coast. Yeah.\n\nAnd then, you know, with Body Corporate, you know, it takes about 14 off. The mortgage would probably be about 12. And then yeah. Yeah. Then seems to seems to positively cash flow, like, about 18 thousand.\n\nSo, like, maybe, like, a 60,000 dollars down. Yeah. Yeah. For sure. Mhmm.\n\nYeah. No. That's that's that's fine. I'm happy with that. Yep.\n\nHold on. Let me just Yep. Yes. A 131,000. No.\n\nYes. Sorry. That it won't change the amount as it goes along, like, whichever goes. Okay. Sweet.\n\nYeah. Because we're covered like, it covers 75% for six months, and then it goes down to 60 five and then 55. Okay. Okay. Yep.\n\nYep. Yep. Sorry. What was that, babe? Yes.\n\nYeah. Yeah. Yeah. It's not bad. The performance with IRR or the this is the one that's set again.\n\nOkay. Give me a second. Oh, the Vanguard. Yep. Mhmm.\n\nYeah. No. No. That's fine. Yep.\n\nAfter your sorry. Go back to before. After your fees and insurances, it's still about 9%. Yeah. That's That's great.\n\nAwesome. Very happy. Okay. Yep. That's awesome.\n\nOkay. Yep. Yep. Yes. No.\n\nI can I just I just signed it now? Yeah. It's just yeah. Yeah. I do have my girlfriend at the moment.\n\nShe's gone through a divorce and has super in two different areas. But it's it's it's in the same Australian Retirement Trust that I was before I came with you guys. And I said to her, like, you gotta you gotta change it because you never get more than 6%, like, from those from those guys. And, yeah, before, you know, she was just she was a stay at home mom. She didn't really have much.\n\nBut now she's got more than I do. And I'm like, you gotta get it managed. And then so I wanna we're trying to line something up. I wanna give you guys her details to then contact her and then why. Yeah.\n\nYes. It's Charlotte. Can you guys, like, flick her a message? So that way she can then line something up with me. Yeah.\n\nOkay. Sweet. Yeah. Okay. So her name is Holly Mercer, M e r c e r.\n\nYep. Just one second. She's, like, been a great organizer of life. So I'm just going into my calendar, which has which has a why is it not showing up? So I'll just bring it up.\n\nSo it's it's Holly Mercer. No no dots or dashes or anything. 80 six at Gmail dot com. Yeah. For sure.\n\nIt's 0432265552. Yeah. Yep. Oh, for sure. Was I did refer someone else.\n\nI'm just wondering if they ended up joining with you guys. It was I I don't remember. Remember. See if I've got his last name, but it was Jordan. I don't know if he fully followed through with it or I Yeah.\n\nYeah. It's Yeah. So it's Jordan Robinson. Yeah. Yeah.\n\nYeah. Yeah. For sure. Yeah. Yeah.\n\nYeah. Awesome. I'm I'm all worried about her actually doing it because, yeah, it's she, yeah, she definitely needs it. Yeah. Yeah.\n\nFor sure. Okay. Oh, look. I I can pick your brain. So I was looking at putting this property in a trust.\n\nWhat's the what's the go with the new updates on on trust that the government changes? Yeah. Yeah. Yeah. That's fine.\n\nYeah. Well, I'm I'm flicking up between, like, just the like, a kind of business partner trust or a family trust to go in with with Holly herself. Yeah. Yeah. Yep.\n\nOkay. So they put it under a base of 30% just like a biz. And and you and I I heard that you've they're more tied on actually physically transferring the the money itself. Is that right? Or or the, like, a Yeah.\n\nYou used to be able to, like, pretty much just put it on paper that that's what was gonna happen, and then the money could still gonna stay in the trust. Okay. Oh, well. Is that if you've owned the property beforehand or, like, as a yeah. Yeah.\n\nUh-huh. Yeah. Yeah. Right. Okay.\n\nYeah. Right. So say, for example, my mom's got a she's on the way to retirement. She was looking at paying off her her through through setting up a self managed super fund. If she's already owned it, does that still does that rules still apply, or is it still the old rules with that?\n\nOh, no. She doesn't she doesn't live she doesn't live in it. No. Sorry. Sorry.\n\nShe was really enjoying that. Okay. Yes. Okay. Alright.\n\nOkay. I'll let her know. But yeah. Yeah. For sure.\n\nYeah. Yeah. Absolute absolutely. No. I'm not saying it's gospel.\n\nWould that so so if she does that still apply so if she could pay off the cell the the loan with a super, is there still that percentage where you have to leave, like, a certain amount in your super or other investments. Okay. Alright. Yep. Alright.\n\nI thought it was like a I thought it was like a you couldn't invest more than 6060% into a property, but maybe I was wrong on that. Yeah. Yeah. Yeah. Yes.\n\nOkay. Yep. Okay. Fair enough. And last last question before I let you go is is so you I was gonna give you guys, like, $50 to do the same kind of setup as my super, but for, obviously, personal investment.\n\nIs it around is it around the same percentage management fee? Or Yeah. But I have interest in it. Yeah. Oh, okay.\n\nOkay. Oh, that's so you consider both of them together. Yeah. Okay. Cool.\n\nYeah. Yeah. I think so. Sounds great. Alright.\n\nThat's perfect. Thank you very much. Sure. Perfect. Yeah.\n\nFor sure. And best of luck with your pregnancy. You did this first one. Oh, how exciting. Uh-huh.\n\nOh, awesome. I hope you'll. No. You're gonna love it. Okay.\n\nEnjoy the next twelve months. That's good. It's gonna be a great time for you.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.24,"end":0.74,"sentiment":"neutral","sentiment_score":0.03676985204219818},{"text":"It is.","start":2.96,"end":6.18,"sentiment":"neutral","sentiment_score":0.10913099348545074},{"text":"Good.","start":11.679999,"end":11.92,"sentiment":"positive","sentiment_score":0.4061378240585327},{"text":"How are you?","start":11.92,"end":12.74,"sentiment":"neutral","sentiment_score":0.2529596537351608},{"text":"Mhmm.","start":20.815,"end":21.315,"sentiment":"neutral","sentiment_score":0.04341275244951248}],"sentiment":"neutral","sentiment_score":0.18293267209082842,"num_words":8,"start":0.24,"end":21.315},{"sentences":[{"text":"There it is.","start":21.615,"end":22.515,"sentiment":"neutral","sentiment_score":0.12198402732610703},{"text":"Yep.","start":32.89,"end":33.39,"sentiment":"neutral","sentiment_score":0.0689908117055893},{"text":"Yep.","start":43.05,"end":43.449997,"sentiment":"neutral","sentiment_score":0.024239230901002884},{"text":"It's David Andrew Eastman.","start":43.449997,"end":46.105,"sentiment":"neutral","sentiment_score":0.019860430620610714},{"text":"Six zero third nineteen eighty eight.","start":46.805,"end":48.985,"sentiment":"neutral","sentiment_score":0.019953814335167408}],"sentiment":"neutral","sentiment_score":0.043889782205224034,"num_words":15,"start":21.615,"end":48.985},{"sentences":[{"text":"And my address is 16 Old Northern Road in Avenue Park.","start":50.325,"end":56.345,"sentiment":"neutral","sentiment_score":0.03326046940955249},{"text":"Hang on.","start":79.125,"end":79.865005,"sentiment":"neutral","sentiment_score":-0.04284914582967758},{"text":"Yep.","start":81.125,"end":81.625,"sentiment":"neutral","sentiment_score":-0.0161342304199934},{"text":"Oh, just this just this last four days.","start":87.045006,"end":89.759995,"sentiment":"neutral","sentiment_score":-0.08082450460642576},{"text":"But they said it's sorry?","start":92.7,"end":95.52,"sentiment":"neutral","sentiment_score":-0.06351215466856956}],"sentiment":"neutral","sentiment_score":-0.025930524769204634,"num_words":27,"start":50.325,"end":95.52},{"sentences":[{"text":"Oh, I just said yeah.","start":99.34,"end":100.939995,"sentiment":"neutral","sentiment_score":-0.0661947175860405},{"text":"They said that it's gonna be, like, a six week and I did ask him if he if there's a thirty day waiting period.","start":100.939995,"end":111.815,"sentiment":"neutral","sentiment_score":-0.053221627759436764},{"text":"It's Whether they back pay over those thirty days or they're still not It will be.","start":113.395004,"end":145.4,"sentiment":"neutral","sentiment_score":-0.04529157257638872},{"text":"So I'm gonna be off work, basically, sixty days to get paid for thirty.","start":181.31,"end":185.41,"sentiment":"neutral","sentiment_score":-0.12024173619491714},{"text":"Is that what you're saying?","start":188.385,"end":189.525,"sentiment":"neutral","sentiment_score":-0.18185269981622695}],"sentiment":"neutral","sentiment_score":-0.07696258783107623,"num_words":64,"start":99.34,"end":189.525},{"sentences":[{"text":"Yep.","start":197.185,"end":197.685,"sentiment":"neutral","sentiment_score":-0.004404748789966106},{"text":"Okay.","start":206.31999,"end":206.81999,"sentiment":"neutral","sentiment_score":-0.04368091747164726},{"text":"Yeah.","start":206.87999,"end":207.2,"sentiment":"neutral","sentiment_score":0.05381222814321518},{"text":"Right.","start":207.2,"end":207.51999,"sentiment":"neutral","sentiment_score":0.08460088074207306},{"text":"Okay.","start":207.51999,"end":208.01999,"sentiment":"neutral","sentiment_score":0.08704295754432678}],"sentiment":"neutral","sentiment_score":0.03547408003360033,"num_words":5,"start":197.185,"end":208.01999},{"sentences":[{"text":"Alright.","start":209.84,"end":210.34,"sentiment":"neutral","sentiment_score":0.12094240635633469},{"text":"He said he's he's posting it.","start":216.88501,"end":219.145,"sentiment":"neutral","sentiment_score":0.032076645642519},{"text":"Yep.","start":222.485,"end":222.985,"sentiment":"neutral","sentiment_score":0.28494876623153687},{"text":"Yep.","start":226.44,"end":226.94,"sentiment":"neutral","sentiment_score":0.25548964738845825},{"text":"Okay.","start":242.72499,"end":243.22499,"sentiment":"neutral","sentiment_score":0.016862360760569572}],"sentiment":"neutral","sentiment_score":0.08707030545920133,"num_words":10,"start":209.84,"end":243.22499},{"sentences":[{"text":"Yeah.","start":252.01,"end":252.51,"sentiment":"neutral","sentiment_score":-0.03408941999077797},{"text":"They allow me to use personal leave at the moment.","start":274.745,"end":277.92,"sentiment":"neutral","sentiment_score":-0.1114161916077137},{"text":"No.","start":282.48,"end":282.72,"sentiment":"neutral","sentiment_score":-0.21093273162841797},{"text":"Better check them out because they don't put them on your payslip.","start":282.72,"end":286.34003,"sentiment":"neutral","sentiment_score":-0.1524516815940539},{"text":"So oh, yeah.","start":289.84003,"end":291.62003,"sentiment":"neutral","sentiment_score":-0.006683905608952046}],"sentiment":"neutral","sentiment_score":-0.11883910976488281,"num_words":27,"start":252.01,"end":291.62003},{"sentences":[{"text":"Wait a minute.","start":291.68002,"end":292.75,"sentiment":"neutral","sentiment_score":-0.022431659201780956},{"text":"I have I have oh, let's see.","start":297.495,"end":300.555,"sentiment":"neutral","sentiment_score":0.06027777320040124},{"text":"No.","start":303.01498,"end":303.255,"sentiment":"neutral","sentiment_score":-0.038599979132413864},{"text":"Yeah.","start":303.255,"end":303.495,"sentiment":"neutral","sentiment_score":-0.06697431206703186},{"text":"I don't wanna be use yeah.","start":303.495,"end":304.695,"sentiment":"neutral","sentiment_score":-0.2214994157354037}],"sentiment":"neutral","sentiment_score":-0.05999563060080012,"num_words":18,"start":291.68002,"end":304.695},{"sentences":[{"text":"I wanna be using a router for the half day.","start":304.695,"end":306.69,"sentiment":"neutral","sentiment_score":-0.05218146108090878},{"text":"Too.","start":314.45,"end":314.61002,"sentiment":"neutral","sentiment_score":0.004788237623870373},{"text":"Yeah.","start":314.61002,"end":315.11002,"sentiment":"neutral","sentiment_score":0.024819977581501007},{"text":"Yeah.","start":315.33002,"end":315.83002,"sentiment":"neutral","sentiment_score":0.033688124269247055},{"text":"So that's that's how I process with the the physio.","start":316.93,"end":322.245,"sentiment":"neutral","sentiment_score":0.1954657956957817}],"sentiment":"neutral","sentiment_score":0.0650495515488412,"num_words":23,"start":304.695,"end":322.245},{"sentences":[{"text":"But I will be going to get a doctor's appointment once those paperwork comes as well because he said he'll need that phone.","start":323.825,"end":332.325,"sentiment":"neutral","sentiment_score":0.066694517214985},{"text":"Sure.","start":361.76,"end":362.26,"sentiment":"neutral","sentiment_score":0.05745912343263626},{"text":"Yep.","start":367.36002,"end":367.86002,"sentiment":"neutral","sentiment_score":0.06487643718719482},{"text":"Okay.","start":368.24002,"end":368.48,"sentiment":"neutral","sentiment_score":0.15547609329223633},{"text":"Perfect.","start":368.48,"end":368.98,"sentiment":"neutral","sentiment_score":0.285159707069397}],"sentiment":"neutral","sentiment_score":0.07766463914541183,"num_words":27,"start":323.825,"end":368.98},{"sentences":[{"text":"Yep.","start":375.68002,"end":376.18002,"sentiment":"neutral","sentiment_score":0.029721280559897423},{"text":"Well, I don't know how you classify financial dependence as because I don't have them all the time.","start":401.77002,"end":409.315,"sentiment":"neutral","sentiment_score":-0.07945534193681346},{"text":"And for three for three days.","start":410.17502,"end":416.115,"sentiment":"neutral","sentiment_score":-0.009592119759569567},{"text":"Yeah.","start":417.17,"end":417.67,"sentiment":"neutral","sentiment_score":0.008655416779220104},{"text":"Yeah.","start":420.53,"end":420.85,"sentiment":"neutral","sentiment_score":-0.02171509340405464}],"sentiment":"neutral","sentiment_score":-0.05448471368462951,"num_words":27,"start":375.68002,"end":420.85},{"sentences":[{"text":"Whereas whereas with banks and stuff, you don't I essentially don't have independence because I'm not the primary caregiver.","start":420.85,"end":432.13498,"sentiment":"neutral","sentiment_score":-0.06418536858339059},{"text":"Oh, yeah.","start":449.93,"end":450.59,"sentiment":"neutral","sentiment_score":-0.11045398563146591},{"text":"Yeah.","start":454.09,"end":454.59,"sentiment":"neutral","sentiment_score":-0.03967399150133133},{"text":"Yeah.","start":461.565,"end":461.965,"sentiment":"neutral","sentiment_score":-0.0016593970358371737},{"text":"For sure.","start":461.965,"end":462.625,"sentiment":"neutral","sentiment_score":0.010163350030779839}],"sentiment":"neutral","sentiment_score":-0.05845746651291847,"num_words":25,"start":420.85,"end":462.625},{"sentences":[{"text":"Yeah.","start":470.76498,"end":471.085,"sentiment":"neutral","sentiment_score":0.026273399591445923},{"text":"Yeah.","start":471.085,"end":471.565,"sentiment":"neutral","sentiment_score":0.039151374250650406},{"text":"That will do for now.","start":471.565,"end":472.865,"sentiment":"neutral","sentiment_score":0.03932810425758362},{"text":"No.","start":476.04,"end":476.54,"sentiment":"neutral","sentiment_score":-0.031446680426597595},{"text":"No.","start":493.735,"end":493.975,"sentiment":"neutral","sentiment_score":-0.0961494892835617}],"sentiment":"neutral","sentiment_score":0.014941013935539458,"num_words":9,"start":470.76498,"end":493.975},{"sentences":[{"text":"They do have me in a different position.","start":493.975,"end":495.755,"sentiment":"neutral","sentiment_score":-0.09232911467552185},{"text":"I am a die setter now, so I'm changing the tooling of of the machines.","start":497.495,"end":503.66,"sentiment":"neutral","sentiment_score":-0.0449967252711455},{"text":"Yeah.","start":509.64,"end":509.88,"sentiment":"neutral","sentiment_score":0.0900888442993164},{"text":"It's not too bad.","start":509.88,"end":510.76,"sentiment":"neutral","sentiment_score":0.08293245360255241},{"text":"It's just another area to be doing.","start":510.76,"end":513.26,"sentiment":"neutral","sentiment_score":0.029822634000863348}],"sentiment":"neutral","sentiment_score":-0.02237161999302251,"num_words":35,"start":493.975,"end":513.26},{"sentences":[{"text":"I think I've done everything now rather than price fix production manager.","start":513.98505,"end":518.085,"sentiment":"neutral","sentiment_score":0.06931780899564426},{"text":"Yeah.","start":522.78503,"end":523.28503,"sentiment":"neutral","sentiment_score":0.05573054775595665},{"text":"Sorry?","start":529.13,"end":529.63,"sentiment":"neutral","sentiment_score":0.0029923757538199425},{"text":"Yeah.","start":532.17,"end":532.49,"sentiment":"neutral","sentiment_score":0.02185501344501972},{"text":"Yeah.","start":532.49,"end":532.99,"sentiment":"neutral","sentiment_score":0.018829043954610825}],"sentiment":"neutral","sentiment_score":0.058201293053571135,"num_words":16,"start":513.98505,"end":532.99},{"sentences":[{"text":"I think I could put up to, like, 100 and 5.","start":540.97,"end":551.005,"sentiment":"neutral","sentiment_score":0.06480535221370784},{"text":"Yep.","start":568.36,"end":568.665,"sentiment":"neutral","sentiment_score":0.03441357612609863},{"text":"Yep.","start":574.58496,"end":575.08496,"sentiment":"neutral","sentiment_score":0.01611051708459854},{"text":"No.","start":579.865,"end":580.105,"sentiment":"neutral","sentiment_score":-0.04612374305725098},{"text":"Just renting.","start":580.105,"end":584.00995,"sentiment":"neutral","sentiment_score":-0.0008235946297645569}],"sentiment":"neutral","sentiment_score":0.044725752202793956,"num_words":16,"start":540.97,"end":584.00995},{"sentences":[{"text":"Mhmm.","start":596.94995,"end":597.44995,"sentiment":"neutral","sentiment_score":-0.008746393024921417},{"text":"No.","start":597.82996,"end":598.06995,"sentiment":"neutral","sentiment_score":-0.05446925014257431},{"text":"So I've got I've got one.","start":598.06995,"end":601.655,"sentiment":"neutral","sentiment_score":-0.0543448111663262},{"text":"She ended up having the other one, but then crashed it anyway.","start":602.795,"end":606.415,"sentiment":"neutral","sentiment_score":-0.09341331881781419},{"text":"But anyways, it's this one.","start":607.115,"end":609.435,"sentiment":"neutral","sentiment_score":-0.028855158761143685}],"sentiment":"neutral","sentiment_score":-0.06618080519139767,"num_words":25,"start":596.94995,"end":609.435},{"sentences":[{"text":"I think it's value mark value is 18.","start":609.435,"end":612.11,"sentiment":"neutral","sentiment_score":-0.010373389581218362},{"text":"Oh, yeah.","start":617.13,"end":617.85,"sentiment":"neutral","sentiment_score":-0.012489936780184507},{"text":"The other sorry.","start":617.85,"end":618.65,"sentiment":"neutral","sentiment_score":-0.0467334296554327},{"text":"The other car is my project car.","start":618.65,"end":620.35,"sentiment":"neutral","sentiment_score":-0.05294017653380122},{"text":"Yeah.","start":620.49,"end":620.73,"sentiment":"neutral","sentiment_score":-0.016929136589169502}],"sentiment":"neutral","sentiment_score":-0.03027036435724724,"num_words":21,"start":609.435,"end":620.73},{"sentences":[{"text":"That's on my mom's.","start":620.73,"end":621.79,"sentiment":"neutral","sentiment_score":-0.09191886521875858},{"text":"Hard to tell because it's not running, but the parts are, yeah, probably about 20 or 30,000.","start":628.745,"end":635.16504,"sentiment":"neutral","sentiment_score":-0.07276934122338015},{"text":"Yeah.","start":639.02,"end":639.18,"sentiment":"neutral","sentiment_score":-0.009872683323919771},{"text":"Probably probably yeah.","start":639.18,"end":641.18,"sentiment":"neutral","sentiment_score":-0.044916532933712006},{"text":"If I was to strip it off and sell it, it'd be, yeah, about 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yeah.","start":940.335,"end":944.275,"sentiment":"neutral","sentiment_score":0.14876263216137886},{"text":"Uh-huh.","start":955.84,"end":956.34,"sentiment":"neutral","sentiment_score":-0.14148983359336853},{"text":"Yeah.","start":959.84,"end":960.165,"sentiment":"neutral","sentiment_score":-0.15818634629249573},{"text":"Yes.","start":961.125,"end":961.625,"sentiment":"neutral","sentiment_score":-0.2643353343009949}],"sentiment":"neutral","sentiment_score":0.12862527878447014,"num_words":22,"start":934.575,"end":961.625},{"sentences":[{"text":"Okay.","start":963.605,"end":964.105,"sentiment":"neutral","sentiment_score":-0.1026364639401436},{"text":"Okay.","start":983.46,"end":983.96,"sentiment":"neutral","sentiment_score":0.28541529178619385},{"text":"Yeah.","start":1004.55005,"end":1005.03,"sentiment":"neutral","sentiment_score":-0.001351645216345787},{"text":"So it goes away 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good.","start":1539.09,"end":1540.87,"sentiment":"neutral","sentiment_score":-0.05602733138948679},{"text":"Alright.","start":1541.89,"end":1542.39,"sentiment":"neutral","sentiment_score":0.2583058476448059}],"sentiment":"neutral","sentiment_score":0.005643869284540415,"num_words":8,"start":1529.465,"end":1542.39},{"sentences":[{"text":"So let us let us know how things have been going.","start":1542.605,"end":1545.8251,"sentiment":"positive","sentiment_score":0.4568219239061529},{"text":"Yep.","start":1547.245,"end":1547.745,"sentiment":"neutral","sentiment_score":0.30749082565307617},{"text":"I guess, like, I was I was looking at those apartments.","start":1557.485,"end":1561.85,"sentiment":"neutral","sentiment_score":0.03581382249566642},{"text":"Yeah.","start":1564.39,"end":1564.63,"sentiment":"neutral","sentiment_score":0.021739494055509567},{"text":"I just I haven't pulled the trigger on it 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it.","start":2765.39,"end":2772.77,"sentiment":"neutral","sentiment_score":-0.06785965809184644},{"text":"Yeah.","start":2796.8198,"end":2797.3198,"sentiment":"neutral","sentiment_score":0.1467500925064087},{"text":"Yeah.","start":2799.94,"end":2800.3398,"sentiment":"neutral","sentiment_score":0.1188771426677704}],"sentiment":"neutral","sentiment_score":0.004809853578494354,"num_words":22,"start":2764.35,"end":2800.3398},{"sentences":[{"text":"For sure.","start":2800.3398,"end":2801.0798,"sentiment":"neutral","sentiment_score":0.09351358935236931},{"text":"Okay.","start":2801.78,"end":2802.28,"sentiment":"neutral","sentiment_score":0.29355090856552124},{"text":"Oh, look.","start":2807.0051,"end":2807.645,"sentiment":"neutral","sentiment_score":0.08677644655108452},{"text":"I I can pick your brain.","start":2807.645,"end":2809.105,"sentiment":"neutral","sentiment_score":0.05707929407556852},{"text":"So I was looking at putting this property in a trust.","start":2811.165,"end":2818.6,"sentiment":"neutral","sentiment_score":0.013972489501942287}],"sentiment":"neutral","sentiment_score":0.05228655133396387,"num_words":22,"start":2800.3398,"end":2818.6},{"sentences":[{"text":"What's the what's the go with the new updates on on trust that the government changes?","start":2819.54,"end":2825.8,"sentiment":"neutral","sentiment_score":-0.005280667683109641},{"text":"Yeah.","start":2831.715,"end":2831.955,"sentiment":"neutral","sentiment_score":0.002453264780342579},{"text":"Yeah.","start":2831.955,"end":2832.455,"sentiment":"neutral","sentiment_score":0.005616047419607639},{"text":"Yeah.","start":2833.235,"end":2833.3152,"sentiment":"neutral","sentiment_score":0.061239659786224365},{"text":"That's fine.","start":2833.3152,"end":2834.115,"sentiment":"neutral","sentiment_score":0.09263443201780319}],"sentiment":"neutral","sentiment_score":0.008099388242477462,"num_words":21,"start":2819.54,"end":2834.115},{"sentences":[{"text":"Yeah.","start":2834.115,"end":2834.615,"sentiment":"neutral","sentiment_score":0.0247088186442852},{"text":"Well, I'm I'm flicking up between, like, just the like, a kind of business partner trust or a family trust to go in with with Holly herself.","start":2839.395,"end":2851.19,"sentiment":"neutral","sentiment_score":0.0032198597780532306},{"text":"Yeah.","start":2869.655,"end":2870.155,"sentiment":"neutral","sentiment_score":-0.03254961967468262},{"text":"Yeah.","start":2883.23,"end":2883.73,"sentiment":"neutral","sentiment_score":-0.05647734180092811},{"text":"Yep.","start":2907.89,"end":2908.13,"sentiment":"neutral","sentiment_score":0.010694220662117004}],"sentiment":"neutral","sentiment_score":0.0010745900592977003,"num_words":31,"start":2834.115,"end":2908.13},{"sentences":[{"text":"Okay.","start":2908.13,"end":2908.63,"sentiment":"neutral","sentiment_score":0.054303787648677826},{"text":"So they put it under a base of 30% just like a biz.","start":2908.93,"end":2913.3499,"sentiment":"neutral","sentiment_score":-0.03589956233134636},{"text":"And and you and I I heard that you've they're more tied on actually physically transferring the the money itself.","start":2920.035,"end":2930.72,"sentiment":"neutral","sentiment_score":-0.11558990851044655},{"text":"Is that right?","start":2930.78,"end":2931.76,"sentiment":"neutral","sentiment_score":-0.012306534995635351},{"text":"Or or the, like, a Yeah.","start":2933.1,"end":2937.02,"sentiment":"neutral","sentiment_score":-0.01073894960184892}],"sentiment":"neutral","sentiment_score":-0.0657102789643199,"num_words":43,"start":2908.13,"end":2937.02},{"sentences":[{"text":"You used to be able to, like, pretty much just put it on paper that that's what was gonna happen, and then the money could still gonna stay in the trust.","start":2937.02,"end":2944.875,"sentiment":"neutral","sentiment_score":0.03219879971396539},{"text":"Okay.","start":2950.475,"end":2950.975,"sentiment":"neutral","sentiment_score":0.06481091678142548},{"text":"Oh, well.","start":2983.075,"end":2983.815,"sentiment":"neutral","sentiment_score":0.005873056128621101},{"text":"Is that if you've owned the property beforehand or, like, as a yeah.","start":3000.0251,"end":3010.11,"sentiment":"neutral","sentiment_score":-0.03845632097755487},{"text":"Yeah.","start":3026.4148,"end":3026.9148,"sentiment":"neutral","sentiment_score":-0.027165664359927177}],"sentiment":"neutral","sentiment_score":0.011408791314655295,"num_words":48,"start":2937.02,"end":3026.9148},{"sentences":[{"text":"Uh-huh.","start":3035.535,"end":3035.6948,"sentiment":"neutral","sentiment_score":-0.03618277236819267},{"text":"Yeah.","start":3035.6948,"end":3036.06,"sentiment":"neutral","sentiment_score":-0.04005544632673263},{"text":"Yeah.","start":3043.5,"end":3043.74,"sentiment":"neutral","sentiment_score":-0.02540172263979912},{"text":"Right.","start":3043.74,"end":3044.24,"sentiment":"neutral","sentiment_score":-0.01936310902237892},{"text":"Okay.","start":3049.6602,"end":3050.1602,"sentiment":"neutral","sentiment_score":-0.0006390083581209183}],"sentiment":"neutral","sentiment_score":-0.024328411743044853,"num_words":5,"start":3035.535,"end":3050.1602},{"sentences":[{"text":"Yeah.","start":3054.915,"end":3055.155,"sentiment":"neutral","sentiment_score":0.0045755598694086075},{"text":"Right.","start":3055.155,"end":3055.655,"sentiment":"neutral","sentiment_score":0.0035411249846220016},{"text":"So say, for example, my mom's got a she's on the way to retirement.","start":3056.115,"end":3061.255,"sentiment":"neutral","sentiment_score":0.012299659395856517},{"text":"She was looking at paying off her her through through setting up a self managed super fund.","start":3061.9548,"end":3073.64,"sentiment":"neutral","sentiment_score":-0.006237316219245686},{"text":"If she's already owned it, does that still does that rules still apply, or is it still the old rules with that?","start":3073.78,"end":3081.295,"sentiment":"neutral","sentiment_score":-0.0641834990714084}],"sentiment":"neutral","sentiment_score":-0.02432289888912981,"num_words":55,"start":3054.915,"end":3081.295},{"sentences":[{"text":"Oh, no.","start":3090.555,"end":3090.875,"sentiment":"neutral","sentiment_score":-0.20306725800037384},{"text":"She doesn't she doesn't live she doesn't live in it.","start":3090.875,"end":3093.4348,"sentiment":"neutral","sentiment_score":-0.2948699951171875},{"text":"No.","start":3093.4348,"end":3093.9348,"sentiment":"neutral","sentiment_score":-0.1140093430876732},{"text":"Sorry.","start":3098.75,"end":3099.25,"sentiment":"neutral","sentiment_score":-0.13470128178596497},{"text":"Sorry.","start":3099.3901,"end":3099.8901,"sentiment":"neutral","sentiment_score":-0.13463851809501648}],"sentiment":"neutral","sentiment_score":-0.24921224067608516,"num_words":15,"start":3090.555,"end":3099.8901},{"sentences":[{"text":"She was really enjoying that.","start":3099.9502,"end":3101.8901,"sentiment":"neutral","sentiment_score":-0.32270999550819396},{"text":"Okay.","start":3102.35,"end":3102.85,"sentiment":"neutral","sentiment_score":-0.05627909675240517},{"text":"Yes.","start":3104.9102,"end":3105.4102,"sentiment":"neutral","sentiment_score":-0.0294753797352314},{"text":"Okay.","start":3116.525,"end":3117.025,"sentiment":"neutral","sentiment_score":-0.03882381319999695},{"text":"Alright.","start":3117.165,"end":3117.565,"sentiment":"neutral","sentiment_score":0.006374468561261892}],"sentiment":"neutral","sentiment_score":-0.19241708874081573,"num_words":9,"start":3099.9502,"end":3117.565},{"sentences":[{"text":"Okay.","start":3117.565,"end":3118.065,"sentiment":"neutral","sentiment_score":0.016257990151643753},{"text":"I'll let her know.","start":3118.2048,"end":3119.265,"sentiment":"neutral","sentiment_score":0.017952358815819025},{"text":"But yeah.","start":3119.94,"end":3125.22,"sentiment":"neutral","sentiment_score":-0.10969988442957401},{"text":"Yeah.","start":3125.22,"end":3125.46,"sentiment":"neutral","sentiment_score":-0.11094608902931212},{"text":"For sure.","start":3125.46,"end":3126.28,"sentiment":"neutral","sentiment_score":-0.14133337885141373}],"sentiment":"neutral","sentiment_score":-0.05249451901763678,"num_words":10,"start":3117.565,"end":3126.28},{"sentences":[{"text":"Yeah.","start":3127.14,"end":3127.3,"sentiment":"neutral","sentiment_score":-0.020513756200671196},{"text":"Yeah.","start":3127.3,"end":3127.7,"sentiment":"neutral","sentiment_score":0.017803726717829704},{"text":"Absolute absolutely.","start":3127.7,"end":3128.76,"sentiment":"neutral","sentiment_score":0.22998277097940445},{"text":"No.","start":3128.98,"end":3129.14,"sentiment":"neutral","sentiment_score":-0.19235631823539737},{"text":"I'm not saying it's gospel.","start":3129.14,"end":3130.68,"sentiment":"neutral","sentiment_score":-0.20456244945526122}],"sentiment":"neutral","sentiment_score":-0.07579130530357361,"num_words":10,"start":3127.14,"end":3130.68},{"sentences":[{"text":"Would that so so if she does that still apply so if she could pay off the cell the the loan with a super, is there still that percentage where you have to leave, like, a certain amount in your super or other investments.","start":3131.54,"end":3148.78,"sentiment":"neutral","sentiment_score":0.010359094351191412},{"text":"Okay.","start":3156.44,"end":3156.94,"sentiment":"neutral","sentiment_score":0.020289063453674316},{"text":"Alright.","start":3167.2551,"end":3167.7551,"sentiment":"neutral","sentiment_score":0.07682450115680695},{"text":"Yep.","start":3183.2,"end":3183.7,"sentiment":"neutral","sentiment_score":0.010781392455101011},{"text":"Alright.","start":3183.9202,"end":3184.4001,"sentiment":"neutral","sentiment_score":0.018809672445058823}],"sentiment":"neutral","sentiment_score":0.012135516270063818,"num_words":48,"start":3131.54,"end":3184.4001},{"sentences":[{"text":"I thought it was like a I thought it was like a you couldn't invest more than 6060% into a property, but maybe I was wrong on that.","start":3184.4001,"end":3196.5151,"sentiment":"neutral","sentiment_score":-0.19441090151667595},{"text":"Yeah.","start":3222.565,"end":3223.065,"sentiment":"neutral","sentiment_score":-0.10046947002410889},{"text":"Yeah.","start":3233.3901,"end":3233.7102,"sentiment":"neutral","sentiment_score":-0.1996971964836121},{"text":"Yeah.","start":3233.7102,"end":3234.2102,"sentiment":"neutral","sentiment_score":-0.1586098074913025},{"text":"Yes.","start":3256.63,"end":3257.13,"sentiment":"neutral","sentiment_score":-0.008192507550120354}],"sentiment":"neutral","sentiment_score":-0.1847023195005022,"num_words":32,"start":3184.4001,"end":3257.13},{"sentences":[{"text":"Okay.","start":3268.23,"end":3268.73,"sentiment":"neutral","sentiment_score":-0.030537694692611694},{"text":"Yep.","start":3272.765,"end":3273.2449,"sentiment":"neutral","sentiment_score":0.06676296889781952},{"text":"Okay.","start":3273.2449,"end":3273.645,"sentiment":"neutral","sentiment_score":0.08167488127946854},{"text":"Fair enough.","start":3273.645,"end":3274.205,"sentiment":"neutral","sentiment_score":0.08785788714885712},{"text":"And last last question before I let you go is is so you I was gonna give you guys, like, $50 to do the same kind of setup as my super, but for, obviously, personal investment.","start":3274.205,"end":3292.58,"sentiment":"neutral","sentiment_score":0.03554937522858381}],"sentiment":"neutral","sentiment_score":0.038375449707595315,"num_words":41,"start":3268.23,"end":3292.58},{"sentences":[{"text":"Is it around is it around the same percentage management fee?","start":3293.28,"end":3298.535,"sentiment":"neutral","sentiment_score":0.01599566452205181},{"text":"Or Yeah.","start":3298.535,"end":3311.25,"sentiment":"neutral","sentiment_score":0.024150962010025978},{"text":"But I have interest in it.","start":3325.145,"end":3326.905,"sentiment":"neutral","sentiment_score":0.0848115583260854},{"text":"Yeah.","start":3326.905,"end":3327.405,"sentiment":"neutral","sentiment_score":0.10169697552919388},{"text":"Oh, okay.","start":3341.5,"end":3342.4,"sentiment":"neutral","sentiment_score":0.11947989463806152}],"sentiment":"neutral","sentiment_score":0.04880819766020233,"num_words":22,"start":3293.28,"end":3342.4},{"sentences":[{"text":"Okay.","start":3345.66,"end":3345.82,"sentiment":"neutral","sentiment_score":0.09978902339935304},{"text":"Oh, that's so you consider both of them together.","start":3345.82,"end":3348.8,"sentiment":"neutral","sentiment_score":0.09789715376165178},{"text":"Yeah.","start":3360.5151,"end":3360.7551,"sentiment":"neutral","sentiment_score":0.13493794202804563},{"text":"Okay.","start":3360.7551,"end":3361.155,"sentiment":"neutral","sentiment_score":0.13292360305786133},{"text":"Cool.","start":3361.155,"end":3361.655,"sentiment":"neutral","sentiment_score":0.21361678838729856}],"sentiment":"neutral","sentiment_score":0.1124878262098019,"num_words":13,"start":3345.66,"end":3361.655},{"sentences":[{"text":"Yeah.","start":3380.865,"end":3381.365,"sentiment":"neutral","sentiment_score":0.05978165566921234},{"text":"Yeah.","start":3390.3052,"end":3390.705,"sentiment":"neutral","sentiment_score":0.14099594950675964},{"text":"I think so.","start":3390.705,"end":3391.605,"sentiment":"neutral","sentiment_score":0.1729088326295217},{"text":"Sounds great.","start":3392.8298,"end":3394.21,"sentiment":"positive","sentiment_score":0.5384655445814133},{"text":"Alright.","start":3395.63,"end":3395.8699,"sentiment":"neutral","sentiment_score":0.329281210899353}],"sentiment":"neutral","sentiment_score":0.2657145503908396,"num_words":8,"start":3380.865,"end":3395.8699},{"sentences":[{"text":"That's perfect.","start":3395.8699,"end":3396.67,"sentiment":"positive","sentiment_score":0.6354174911975861},{"text":"Thank you very much.","start":3396.67,"end":3397.73,"sentiment":"positive","sentiment_score":0.6028740555047989},{"text":"Sure.","start":3432.515,"end":3433.015,"sentiment":"neutral","sentiment_score":0.3239160180091858},{"text":"Perfect.","start":3433.315,"end":3433.815,"sentiment":"positive","sentiment_score":0.6820058822631836},{"text":"Yeah.","start":3449.73,"end":3449.97,"sentiment":"neutral","sentiment_score":0.256099671125412}],"sentiment":"positive","sentiment_score":0.5493725306457944,"num_words":9,"start":3395.8699,"end":3449.97},{"sentences":[{"text":"For sure.","start":3449.97,"end":3450.3699,"sentiment":"neutral","sentiment_score":0.20124593377113342},{"text":"And best of luck with your pregnancy.","start":3450.3699,"end":3452.13,"sentiment":"positive","sentiment_score":0.46196659760815756},{"text":"You did this first one.","start":3452.13,"end":3453.43,"sentiment":"neutral","sentiment_score":0.20103341937065125},{"text":"Oh, how exciting.","start":3455.0898,"end":3456.0698,"sentiment":"neutral","sentiment_score":0.3198443253835042},{"text":"Uh-huh.","start":3456.8499,"end":3457.3499,"sentiment":"neutral","sentiment_score":0.1643313616514206}],"sentiment":"neutral","sentiment_score":0.3202938603030311,"num_words":18,"start":3449.97,"end":3457.3499},{"sentences":[{"text":"Oh, awesome.","start":3457.49,"end":3458.13,"sentiment":"positive","sentiment_score":0.5554221570491791},{"text":"I hope you'll.","start":3458.13,"end":3458.95,"sentiment":"positive","sentiment_score":0.3562815189361572},{"text":"No.","start":3459.435,"end":3459.5151,"sentiment":"neutral","sentiment_score":-0.02244618535041809},{"text":"You're gonna love it.","start":3459.5151,"end":3472.29,"sentiment":"neutral","sentiment_score":0.14179509226232767},{"text":"Okay.","start":3473.33,"end":3473.73,"sentiment":"neutral","sentiment_score":0.2728111445903778}],"sentiment":"neutral","sentiment_score":0.27247583629055455,"num_words":11,"start":3457.49,"end":3473.73},{"sentences":[{"text":"Enjoy the next twelve months.","start":3473.73,"end":3475.01,"sentiment":"positive","sentiment_score":0.5368644714355468},{"text":"That's good.","start":3475.01,"end":3475.57,"sentiment":"positive","sentiment_score":0.7739321887493134},{"text":"It's gonna be a great time for you.","start":3475.57,"end":3477.9102,"sentiment":"positive","sentiment_score":0.8350088596343994}],"sentiment":"positive","sentiment_score":0.7274838407834371,"num_words":15,"start":3473.73,"end":3477.9102}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon.\n\nChannel 1: It\n\nChannel 0: Is this David?\n\nChannel 1: is.\n\nChannel 0: This is Veronica from OC Financial. How are you?\n\nChannel 1: Good. How are you?\n\nChannel 0: Yeah. Good. Thank you. I had you booked in to go over your annual review. Is now still a good time for you?\n\nChannel 1: Mhmm. There it is.\n\nChannel 0: Yep. Perfect. Now, David, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Yep. It's David Andrew Eastman. Six zero third nineteen eighty eight.\n\nChannel 0: Yep.\n\nChannel 1: And my address is 16 Old Northern Road in Avenue Park.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. Now before I just kind of jump into the under review as well, just wanted to obviously see how you are going with everything. My colleague, Caden, obviously mentioned that you are kind of going through looking at that IP claim with him with Clearview at the moment and that you are off work.\n\nIs that correct?\n\nChannel 1: Hang on.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: And how how long have you been off work for now?\n\nChannel 1: Oh, just this just this last four days.\n\nChannel 0: Okay. Four days. And\n\nChannel 1: But\n\nChannel 0: did you get\n\nChannel 1: they said\n\nChannel 0: old\n\nChannel 1: it's\n\nChannel 0: yeah.\n\nChannel 1: sorry?\n\nChannel 0: What did you say? Sorry, David.\n\nChannel 1: Oh, I just said yeah. They said that it's gonna be, like, a six week and\n\nChannel 0: Okay.\n\nChannel 1: I did ask him if he if there's a thirty day waiting period. It's\n\nChannel 0: Yes.\n\nChannel 1: Whether they back pay over those thirty days or they're still not\n\nChannel 0: So the this thirty day waiting period means that you have to be off work for thirty days before you can start claiming on the policy. Now it is typically also paid fifteen sorry, thirty days in arrears. That will be back paid.\n\nChannel 1: It will\n\nChannel 0: But\n\nChannel 1: be.\n\nChannel 0: the that the the second lot, not the first, because you have to wait for that thirty days before it kicks in. So, basically, you have to have been off work for thirty days before you qualify. And then once you've been off work for thirty days, you qualify to make the claim, and then we can kind of put that in, to get the payment sorted for you. With the monthly payment, it is paid thirty days in arrears. So that means that the payment will kick in thirty days after the thirty day waiting period, if that makes\n\nChannel 1: So I'm gonna be off work, basically, sixty\n\nChannel 0: sense.\n\nChannel 1: days to get paid for thirty.\n\nChannel 0: You you\n\nChannel 1: Is\n\nChannel 0: don't\n\nChannel 1: that what\n\nChannel 0: have\n\nChannel 1: you're\n\nChannel 0: to\n\nChannel 1: saying?\n\nChannel 0: have been off you don't have to have been off work for sixty days. It's just back paid. So if you are off, let's say, forty days, yes, the\n\nChannel 1: Yep.\n\nChannel 0: payment won't kick in until sixty days, but you will still be paid for those ten days past the thirty days. It is just kind of lagging a little bit, if that\n\nChannel 1: Okay.\n\nChannel 0: makes sense.\n\nChannel 1: Yeah. Right. Okay. Alright.\n\nChannel 0: So did, kind of, Caden go through and send you all the information and everything needed?\n\nChannel 1: He said he's he's posting it.\n\nChannel 0: Yes. Okay. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: And I think he expressed posted it as well. So, hopefully,\n\nChannel 1: Yep.\n\nChannel 0: if you're in Queensland, it shouldn't be too far off. Obviously, keep a lookout for those documents. And if you have any issues completing it or any questions, just give us a call so then we can kind of help you through the process as quickly as possible.\n\nChannel 1: Okay.\n\nChannel 0: Yep. So you said about six weeks recovery, and it's kind of a is it a hamstring injury?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Okay. And at the moment, are you guys are you okay financially? Are you really struggling? Obviously, you won't have your income for a while kind of cash flow wise.\n\nChannel 1: They allow me to use personal leave at the moment.\n\nChannel 0: Okay. And do you know how much you have saved at all?\n\nChannel 1: No. Better\n\nChannel 0: Just the\n\nChannel 1: check\n\nChannel 0: ten\n\nChannel 1: them out\n\nChannel 0: days?\n\nChannel 1: because they don't put them on your\n\nChannel 0: Okay.\n\nChannel 1: payslip.\n\nChannel 0: Yes. No. Makes it hot.\n\nChannel 1: So\n\nChannel 0: Okay. Well,\n\nChannel 1: oh, yeah. Wait a minute.\n\nChannel 0: do you know if you have much, like, annual leave or anything you could use if need be?\n\nChannel 1: I have I have\n\nChannel 0: Yeah.\n\nChannel 1: oh,\n\nChannel 0: Okay.\n\nChannel 1: let's see.\n\nChannel 0: That's good. Okay. That's good.\n\nChannel 1: No. Yeah.\n\nChannel 0: Hopefully\n\nChannel 1: I don't wanna be use yeah. I wanna be using a router for the half day.\n\nChannel 0: no. No. Exactly. And are you seeing a a physio or anything for recovery as\n\nChannel 1: Too.\n\nChannel 0: well?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: So\n\nChannel 0: Okay. That's\n\nChannel 1: that's\n\nChannel 0: good.\n\nChannel 1: that's how I process with the the physio. But I will be going to get a doctor's appointment once those paperwork comes as well\n\nChannel 0: Yep.\n\nChannel 1: because he said he'll need that phone.\n\nChannel 0: Yes. Yep. Perfect. No. That's good.\n\nNow I know Caden is working with you on on that, so that's good. Obviously, let us know how it's all going. We're trying to make it, obviously, as quick as we can for you and trying to get that claim sorted. If it is that you need any, you know, cash flow and budget, which obviously is is a bit hard, but if that's something you need assistance with as well, just let us know, and we can always send you some of my cash\n\nChannel 1: Sure.\n\nChannel 0: loan budget to see if there's anything we can do in that in that area for you.\n\nChannel 1: Yep. Okay. Perfect.\n\nChannel 0: Perfect. Now I won't try to go through I spent too much of your time today, David.\n\nChannel 1: Yep.\n\nChannel 0: But, essentially, what I want to do is just kind of quickly go through a bit of a fact find to see if there's anything major that has changed since we spoke last time if we do need to make any changes to your advice otherwise. So just kind of bear with me as I run through this. Now when it comes to your personal information, I have you down here as single with True Financial Dependents. Is that correct?\n\nChannel 1: Well, I don't know how you classify financial dependence as because I don't have them all the time. And\n\nChannel 0: Do they still are they still with you sometimes? Like, are you providing\n\nChannel 1: for\n\nChannel 0: any\n\nChannel 1: three\n\nChannel 0: financial\n\nChannel 1: for three\n\nChannel 0: support\n\nChannel 1: days.\n\nChannel 0: for three days?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. No. No. No. I would still say that they\n\nChannel 1: Yeah.\n\nChannel 0: are\n\nChannel 1: Whereas whereas with banks and stuff, you don't I essentially don't have\n\nChannel 0: yes.\n\nChannel 1: independence\n\nChannel 0: Yeah.\n\nChannel 1: because I'm not\n\nChannel 0: No.\n\nChannel 1: the primary caregiver.\n\nChannel 0: Yep. Yep. No. Usually, for us, it's more so like, it doesn't matter too much. It's more so just making sure that everything is like, from, like, an insurance point of view and everything like that, it's that if something were to happen to you at the moment, you still have some financial\n\nChannel 1: Oh, yeah.\n\nChannel 0: dependency. Like, they are still relying on you financially. Sorry. Whatever\n\nChannel 1: Yeah.\n\nChannel 0: capacity that that would mean, it's still to me, well, you are still they're still needing your financial support. You know?\n\nChannel 1: Yeah. For sure.\n\nChannel 0: Yeah. Okay. Now next up, Ken, I have your mom, I believe, Elizabeth nominated. That's still the case as well?\n\nChannel 1: Yeah. Yeah. That will\n\nChannel 0: Yep.\n\nChannel 1: do for now.\n\nChannel 0: Yep. And her phone number hasn't changed. It still\n\nChannel 1: No.\n\nChannel 0: ends in 3. Yep. Perfect. Now, obviously, you are off work at the moment, but before you kind of stopped working about four days ago, are you were you still kind of doing the same occupation otherwise? Like, you're still employed and working as a leading hand?\n\nYou're just off work at the moment?\n\nChannel 1: No. They do have me in a different position.\n\nChannel 0: Okay.\n\nChannel 1: I am a die setter now, so I'm changing the tooling of of the machines.\n\nChannel 0: Okay. Beautiful. And how were you finding that?\n\nChannel 1: Yeah. It's not too bad. It's\n\nChannel 0: Yeah.\n\nChannel 1: just another area to be doing.\n\nChannel 0: So\n\nChannel 1: I think\n\nChannel 0: yeah.\n\nChannel 1: I've done\n\nChannel 0: Beautiful.\n\nChannel 1: everything now rather than price fix production manager.\n\nChannel 0: Yep. Perfect. And so still with the same company, though?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. And that's also full time you were working?\n\nChannel 1: Sorry?\n\nChannel 0: That was also full time that you're employed\n\nChannel 1: Yeah.\n\nChannel 0: in\n\nChannel 1: Yeah.\n\nChannel 0: that capacity? Yeah. Perfect. Now income, I have at a 100,000. Is that still the case?\n\nDo you know? Does\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: think\n\nChannel 0: change?\n\nChannel 1: I could put up to, like, 100\n\nChannel 0: Oh, beautiful. I'll update that.\n\nChannel 1: and 5.\n\nChannel 0: Perfect. And when it comes to assets and liabilities, I do wanna check because last time we spoke, the property was still to be split between you and your ex partner.\n\nChannel 1: Yep.\n\nChannel 0: So did you guys obviously sell that one, and, obviously, you have a new address now?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Okay. Are you did you buy this new place you are at, or\n\nChannel 1: No.\n\nChannel 0: are\n\nChannel 1: Just\n\nChannel 0: you renting? Okay. Perfect. So, obviously,\n\nChannel 1: renting.\n\nChannel 0: the mortgage and the property is gone, so I will update that. Motor vehicle add two motor vehicles at 60,000. Do you still have those?\n\nChannel 1: Mhmm. No. So I've got I've got\n\nChannel 0: Mhmm.\n\nChannel 1: one. She ended up having the other one, but then\n\nChannel 0: Okay.\n\nChannel 1: crashed it anyway. But anyways, it's this one. I think it's value mark value is 18.\n\nChannel 0: 18. Okay. Perfect. And anything owing on the motor vehicle?\n\nChannel 1: Oh, yeah. The other sorry. The other car is my project car. Yeah. That's\n\nChannel 0: No.\n\nChannel 1: on my mom's.\n\nChannel 0: Yeah. Okay. No. That's all good. And how much is that one worth?\n\nChannel 1: Hard to tell because it's not running, but the parts are, yeah, probably about 20 or 30,000.\n\nChannel 0: Yep. Would you say closer to 30 or close to 20\n\nChannel 1: Yeah. Probably\n\nChannel 0: or, like, 20\n\nChannel 1: probably yeah. If I was to strip it off and sell it, it'd be, yeah, about 30,000.\n\nChannel 0: 5? Alright. Perfect. Now anything owing on either of them?\n\nChannel 1: I think I have, like, three jobs left on the\n\nChannel 0: Okay. And that was\n\nChannel 1: line.\n\nChannel 0: is that on the $18 one or the the\n\nChannel 1: Yeah.\n\nChannel 0: parts?\n\nChannel 1: Yep.\n\nChannel 0: $18. Okay. Perfect. Now I also have tools of about $5,000.\n\nChannel 1: Yeah. That's fine. Yeah.\n\nChannel 0: Yep. And then also savings about 4,000.\n\nChannel 1: Well, I got more way more savings now\n\nChannel 0: Thousand.\n\nChannel 1: because I've\n\nChannel 0: Mhmm.\n\nChannel 1: got to pay out on a house.\n\nChannel 0: Yep. Do you know roughly how much you have?\n\nChannel 1: Yeah. I have a 170\n\nChannel 0: Perfect. And are you planning on buying another property later with that,\n\nChannel 1: thousand.\n\nChannel 0: or are\n\nChannel 1: Yeah.\n\nChannel 0: you just\n\nChannel 1: Maybe,\n\nChannel 0: kind of\n\nChannel 1: like,\n\nChannel 0: keeping\n\nChannel 1: a holiday\n\nChannel 0: it?\n\nChannel 1: stay.\n\nChannel 0: Oh, yes.\n\nChannel 1: Just like a a PDR kind of all it holiday stay at the Gold Coast.\n\nChannel 0: Yeah. Yeah. Lovely.\n\nChannel 1: There's a couple at the man that seem to be having a good revenue\n\nChannel 0: Yeah.\n\nChannel 1: with the cost of it.\n\nChannel 0: Perfect. So that would kinda be like an investment property?\n\nChannel 1: So sorry?\n\nChannel 0: Would that kind of be an investment property for\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: Absolutely.\n\nChannel 0: or more\n\nChannel 1: Yeah.\n\nChannel 0: like\n\nChannel 1: You can't\n\nChannel 0: yeah.\n\nChannel 1: you can't live in that. But yeah.\n\nChannel 0: Yeah. Okay. Perfect. So investment\n\nChannel 1: Yeah.\n\nChannel 0: property. That's great. Any other assets otherwise we haven't gone through, David.\n\nChannel 1: I do have about $10 stocks at the moment.\n\nChannel 0: Yep. Perfect. And is that just kind of on a platform, or how are you investing in\n\nChannel 1: Yeah. That's in\n\nChannel 0: that?\n\nChannel 1: the platform.\n\nChannel 0: Yeah. Okay. Beautiful. Anything else?\n\nChannel 1: No. That's that's about\n\nChannel 0: That's perfect. Now health and lifestyle, obviously, aside from hamstring at the\n\nChannel 1: No.\n\nChannel 0: private health insurance?\n\nChannel 1: No.\n\nChannel 0: When it comes to estate planning, I know you had a will before. Do you know if that's been updated with the change in\n\nChannel 1: No.\n\nChannel 0: circumstances?\n\nChannel 1: I know you sent through stuff, but I haven't\n\nChannel 0: Yeah. That's okay. I'll just put on the to do list. Sometimes\n\nChannel 1: yeah.\n\nChannel 0: life gets gets\n\nChannel 1: Yeah.\n\nChannel 0: in\n\nChannel 1: The list\n\nChannel 0: the way.\n\nChannel 1: is long at\n\nChannel 0: Yeah. No. That's all good. Now I do\n\nChannel 1: the\n\nChannel 0: wanna\n\nChannel 1: moment.\n\nChannel 0: check as well, sorry, when it comes to your insurance and your superannuation. At the moment, we have April nominated. Would\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: That's\n\nChannel 0: want to change\n\nChannel 1: I mean,\n\nChannel 0: that?\n\nChannel 1: that was a I think that was a part of what I was supposed to do to change that.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I think I was maybe I was gonna put down my mom so then she would do the, like, a guardian, I guess, of that money for the kids.\n\nChannel 0: You you can. The only way is we would have do it a bit differently. So with super and insurances, there are quite strict rules and regulation in terms of who you can actually nominate directly if the insurances are held inside super and with your superannuation. So under the CIS Act, you can only nominate a spouse, a child, or someone who are financially dependent on you or you are in a interdependency relationship. Basically, to qualify for that, it must be someone who you who must remain financially dependent on you at the time of your passing.\n\nYou need to have a\n\nChannel 1: Okay.\n\nChannel 0: close relationship, living together, providing, like, financial, domestic, and personal care support. So\n\nChannel 1: Okay.\n\nChannel 0: if\n\nChannel 1: And then I'll probably\n\nChannel 0: you\n\nChannel 1: need paperwork written up to say. Yep. Okay.\n\nChannel 0: sorry. But you can still sorry. If, for example, your mom doesn't classify in that like, if you don't wanna give it to your children and you want it to go, like, through your through your mom, you can still do it, but the way that we would have to change the nomination is that you would then select a legal personal representative. Basically, what that means is that it reverts back to the will. Then in your will, you can step stipulate exactly what you want.\n\nYou can say that you want your insurances to go to this person or to to these people. Like, you can you can nominate whoever you want to. It would just have to go through the estate because otherwise, super insurance does not form part of the estate.\n\nChannel 1: Okay.\n\nChannel 0: Does that make\n\nChannel 1: Is\n\nChannel 0: sense,\n\nChannel 1: that something\n\nChannel 0: David?\n\nChannel 1: that I could set up with like, get advice from you guys to do? Or\n\nChannel 0: To to set it up.\n\nChannel 1: yeah.\n\nChannel 0: So because it's a legal nominations, and, obviously, we can we can guide you in the the how the structure works. But in terms of\n\nChannel 1: Uh-huh.\n\nChannel 0: setting it up because it's because I'm not a\n\nChannel 1: Yeah.\n\nChannel 0: lawyer, I\n\nChannel 1: Yes.\n\nChannel 0: can't do that.\n\nChannel 1: Okay.\n\nChannel 0: So I would say the best thing would be to obviously obviously, you have to update the will is to then speak to them about, like, succession or whether you want it to go through your mom, and then she has some stipulations on what to do with the money or whatever it might be so it goes through your kids, you can definitely\n\nChannel 1: Okay.\n\nChannel 0: do do that. That will be the best way. Otherwise, if you do nominate your children directly, which you can, the only thing would be, obviously, if it goes to your kids and they are 18 and they then end up going to the guardianship. So whether that would be your your ex partner, for example, then,\n\nChannel 1: Yeah.\n\nChannel 0: obviously,\n\nChannel 1: So\n\nChannel 0: they\n\nChannel 1: it goes\n\nChannel 0: would\n\nChannel 1: away\n\nChannel 0: have\n\nChannel 1: anyway.\n\nChannel 0: exactly. So I think the\n\nChannel 1: Yeah.\n\nChannel 0: best thing\n\nChannel 1: Right.\n\nChannel 0: would be to definitely go and see a lawyer for the\n\nChannel 1: Yeah.\n\nChannel 0: kind of\n\nChannel 1: Yep.\n\nChannel 0: make\n\nChannel 1: Okay.\n\nChannel 0: sure everything\n\nChannel 1: For\n\nChannel 0: is\n\nChannel 1: sure.\n\nChannel 0: set\n\nChannel 1: For sure.\n\nChannel 0: up correctly and that\n\nChannel 1: Okay.\n\nChannel 0: it goes exactly how you want it.\n\nChannel 1: Okay.\n\nChannel 0: Do you know a lawyer? Do you know someone who knows someone close by, or would you want us to send you that information again?\n\nChannel 1: Yeah. Maybe if we can\n\nChannel 0: Yeah.\n\nChannel 1: send that.\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: We can get that sorted. I'll get the team to email that to you.\n\nChannel 1: Uh-huh.\n\nChannel 0: Now what I will also do is I will get the team to repost those forms so that you have them so that we can get that updated when you have spoken to the lawyer as well to change, obviously, from April through whether that is through the will or however you want to structure that.\n\nChannel 1: Sure thing.\n\nChannel 0: Yeah. Any questions in regards to any of that?\n\nChannel 1: No. No. That's\n\nChannel 0: No?\n\nChannel 1: makes sense.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Okay. So I think last was I talking to you last year?\n\nChannel 0: Mhmm. Yes.\n\nChannel 1: Okay. So I was talking to you about, like, maybe using getting you to look after some of the money financially is to, you know, put it the same way that I have my super that\n\nChannel 0: For\n\nChannel 1: I have\n\nChannel 0: your personal investments?\n\nChannel 1: yeah.\n\nChannel 0: Mhmm.\n\nChannel 1: Is there, like, a an as limited amount to, like, that you guys would then manage, or, like, what would be the minimum?\n\nChannel 0: Yeah. So yes and no. There are limitations on which type of investments we would look at. So it kind of depends. There's a lot of different ones we could look at depending on what you are interested in.\n\nSo,\n\nChannel 1: Mhmm.\n\nChannel 0: for example, if you wanted to look at a just personal investment account to make it kind of affordable and make it worth it for you as well, obviously, with the fees. Typically, some of them do have a 20,000 limit on it, like a minimum to set it up.\n\nChannel 1: Oh, yeah. For sure. I wouldn't I wouldn't expect anything less, to be honest.\n\nChannel 0: No. That's so good. On the other side, if you were looking at going down, like, investment bond route, there there's you can literally have $2 as a starting point, and\n\nChannel 1: Alright.\n\nChannel 0: we could still manage that. So it\n\nChannel 1: Mhmm.\n\nChannel 0: kind of depends on what your goals are, the purpose behind the investment, and what you are wanting to do, then we can most definitely have a look at that for you.\n\nChannel 1: Is that because there's a kick a kickback with for investing in bonds? Like, that it can be cheaper? Like yeah. Why like,\n\nChannel 0: Why investment\n\nChannel 1: so\n\nChannel 0: bonds?\n\nChannel 1: yeah. Is it because it's,\n\nChannel 0: Yes.\n\nChannel 1: like, less less management fee for that? Or\n\nChannel 0: It's it's different. And it's so each product so depending on which product we would look at. So each kind of provider have different\n\nChannel 1: mhmm.\n\nChannel 0: rules. So for example, with Hub twenty four, they have personal investment accounts. They have a limit saying that you have to have 20,000 to set it up. The same is with, like, Macquarie if\n\nChannel 1: Yeah.\n\nChannel 0: you were\n\nChannel 1: Of\n\nChannel 0: to\n\nChannel 1: course.\n\nChannel 0: do\n\nChannel 1: Of course.\n\nChannel 0: investment\n\nChannel 1: Yep.\n\nChannel 0: con. So\n\nChannel 1: Yep.\n\nChannel 0: it's more\n\nChannel 1: I\n\nChannel 0: that\n\nChannel 1: I get I get I get what you mean because of the the the laws on yeah. I get it.\n\nChannel 0: it's, like, each product provide but with an investment bond because that's a I don't do you know much about investment\n\nChannel 1: Not particularly, but I have been looking I have been, like, researching in day trading and stuff and to if it goes through, like, say, US markets and stuff, you'd you need that\n\nChannel 0: bonds?\n\nChannel 1: minimum of $20,000.\n\nChannel 0: So investment\n\nChannel 1: Okay.\n\nChannel 0: bonds are very different. So it's it's kind of confusing because you call it an investment bond, but it has actually nothing to do with bonds per se. So\n\nChannel 1: Oh,\n\nChannel 0: an\n\nChannel 1: okay.\n\nChannel 0: investment bond is another form of kind of an investment vehicle. It is classified as a insurance product, so it does fall under different kind of rules, which is what makes it so tax effective. So investment bonds is something we do for a number of clients as well if they are\n\nChannel 1: Mhmm.\n\nChannel 0: looking at a little bit longer time frame. So, again, there's a lot of a range of different investment bond products. But how it is is that you basically have a investment bond set up, and within the bond, you can have, like, shares. You can have managed portfolios. Like, you can have a range of different investments depending on which kind of option you would look to go down through.\n\nChannel 1: Yes.\n\nChannel 0: And how it's tax effective is so a minimum time frame to make it very tax effective is usually ten years. So it would be dependent on how your long term like, how long term you're wanting these investments. But\n\nChannel 1: Mhmm.\n\nChannel 0: if, for example, you wanted to, let's say, have a ten year time frame, the way that the investment bonds make it quite competitive is that with a personal investment account, so similar to your stocks that you have now, you will obviously, any dividends and stuff that you earn will be added to your taxable income that you have to pay tax on. If you sell investments, you obviously have to pay capital gains tax personally. Now within the investment bond, it does it kind of gets taxed at a discounted rate within the bond itself, so\n\nChannel 1: Uh-huh.\n\nChannel 0: it's not added to your taxable income. And if you've had it for ten years, if you were to sell it then, there is no capital gains tax associated at all. So it\n\nChannel 1: Yeah.\n\nChannel 0: makes\n\nChannel 1: Right.\n\nChannel 0: it very tax effective for long term investments.\n\nChannel 1: Yeah.\n\nChannel 0: Other ways that some people use an investment bond is if you for example, at the moment, with the current\n\nChannel 1: Right.\n\nChannel 0: legislation, you can't access super until you turn 60. But let's say you want to retire at 50, but, obviously, you can't get income stream from your superannuation. A lot of people, if they do have that ten year time frame, if they set up an investment bond, then after ten years, you can start drawing an income from that investment bond, which is tax free. And then, obviously, you can kind of draw an income that way before you could potentially start accessing your superannuation. A lot of people also use it for a investment for children.\n\nSo there's also, like, child bonds, which, again, you can invest for children. And then after ten years, they can get everything tax free as well. So there's, like, a lot of different ways you can look at, again,\n\nChannel 1: I see.\n\nChannel 0: depending on your time\n\nChannel 1: Yep. Okay. Yeah. I kinda just wanted it to be the same kind of setup as what yeah. It's in that within this this super account.\n\nChannel 0: frame.\n\nChannel 1: So\n\nChannel 0: Mhmm.\n\nChannel 1: it's it's\n\nChannel 0: It's kind of little bit\n\nChannel 1: been\n\nChannel 0: different. Yeah.\n\nChannel 1: doing not\n\nChannel 0: And,\n\nChannel 1: too bad.\n\nChannel 0: you know, it's actually going pretty good given the market conditions we've had.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So that's great. Now\n\nChannel 1: Yep.\n\nChannel 0: with the personal investments, is that something you are wanting to look at now, or are you wanting to kind of when things have sorted itself out with, obviously, the IP claim, if you're back at work and a bit more certainty with cash flow you want to look at?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah? So\n\nChannel 1: Yeah.\n\nChannel 0: what I\n\nChannel 1: So\n\nChannel 0: can\n\nChannel 1: probably in a month month or so.\n\nChannel 0: month or\n\nChannel 1: Maybe\n\nChannel 0: two? Yeah.\n\nChannel 1: two.\n\nChannel 0: Beautiful. Now what I can do so I do wanna let you know that on a personal note, I will actually be going on maternity leave in two weeks.\n\nChannel 1: Oh, wow. Congratulations.\n\nChannel 0: Thank you very much. But my colleague Jenna will kind of take over from me. So I'm doing a big handover with her, and everything we've spoken about today, I will brief her on.\n\nChannel 1: Yep.\n\nChannel 0: I will also send you a a separate email probably sometime next week with her\n\nChannel 1: Okay.\n\nChannel 0: direct contact details so that you have it. If you if you need to make contact, otherwise, you can just call the office, and you will be put through to her anyway. But I will put a little reminder in two months' time to get her to give you a call to talk about the investments and kind of touch base and see how you're going and if you're ready to have a look at it then or, obviously, depending\n\nChannel 1: Yes.\n\nChannel 0: on the injury and how you're going would work, whether you wanna hold off or get.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Okay. Beautiful. Any questions with any of that?\n\nChannel 1: No. That's that's\n\nChannel 0: No.\n\nChannel 1: pretty good.\n\nChannel 0: Yeah.\n\nChannel 1: Alright.\n\nChannel 0: Alright. Perfect.\n\nChannel 1: So let us let us know how things have been going.\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: Definitely will. Now anything else that you need help with or any other goals that you have at the moment, David?\n\nChannel 1: I guess, like, I was I was looking at those apartments.\n\nChannel 0: Mhmm.\n\nChannel 1: Yeah. I just I haven't pulled the trigger on it yet. I just\n\nChannel 0: Yep.\n\nChannel 1: need to do more\n\nChannel 0: Yep.\n\nChannel 1: of the numbers. Is that something that I could, like, come in to you guys with and show you and get some advice on it? Or\n\nChannel 0: It's it's a bit of a we can definitely assist you with it. So it's kind of where it falls into the category between both us and a mortgage broker. So, obviously, a mortgage broker have you dealt with a mortgage broker before?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. So, obviously, they would obviously, because we don't we can't do lending. So they would obviously run the numbers on how much you can borrow, borrow capacity, and how all of that\n\nChannel 1: Oh, yeah.\n\nChannel 0: looks\n\nChannel 1: Yeah.\n\nChannel 0: like.\n\nChannel 1: Of course. Of course.\n\nChannel 0: Yes.\n\nChannel 1: I\n\nChannel 0: Okay.\n\nChannel 1: was\n\nChannel 0: Beautiful.\n\nChannel 1: more\n\nChannel 0: From a cash flow point of view?\n\nChannel 1: seeing how it sound how it sound. It was what you guys been doing.\n\nChannel 0: Yes. And we we can definitely have a look at it. So if you obviously have the numbers, make sure it's doable financially. Obviously, if it's positively or negatively geared depending on what the structure and stuff\n\nChannel 1: Definitely\n\nChannel 0: is.\n\nChannel 1: be positive. I'll stay away from negative here.\n\nChannel 0: Yep. Especially with the changes in budget as well.\n\nChannel 1: Mhmm.\n\nChannel 0: Alright. Perfect. So then we could have a look at that for you from, like, a from a a more like a cash flow wise, whether it makes sense in terms of if it's a good investment because, obviously, we are not property experts in terms of what type of investments would be best or what is good. Then often you would have, like, what do you call it, a buyer's agent or something like that to obviously have a expert in the areas of what you are looking for in terms of the sound investment. But if you have, like, the papers and everything, you can always send it through to us.\n\nWe can have a look at it and then have\n\nChannel 1: Oh, yeah.\n\nChannel 0: a bit of a\n\nChannel 1: Full,\n\nChannel 0: chat\n\nChannel 1: like,\n\nChannel 0: to you.\n\nChannel 1: double sheet for you.\n\nChannel 0: Yes.\n\nChannel 1: You have\n\nChannel 0: How beautiful.\n\nChannel 1: Yeah. That would be\n\nChannel 0: Yes.\n\nChannel 1: great. But\n\nChannel 0: But,\n\nChannel 1: yeah.\n\nChannel 0: yeah,\n\nChannel 1: No.\n\nChannel 0: we can\n\nChannel 1: Like\n\nChannel 0: all yeah.\n\nChannel 1: yeah. They're about, I think, they're about 230,000, and the gross is, like,\n\nChannel 0: That's\n\nChannel 1: the\n\nChannel 0: pretty\n\nChannel 1: last\n\nChannel 0: good.\n\nChannel 1: couple of years have been about 45 a year.\n\nChannel 0: Oh, yeah.\n\nChannel 1: So then,\n\nChannel 0: And where\n\nChannel 1: you\n\nChannel 0: did\n\nChannel 1: know,\n\nChannel 0: you\n\nChannel 1: body\n\nChannel 0: say it\n\nChannel 1: pay.\n\nChannel 0: was? Where did you say they were? They were on somewhere on the Gold Coast.\n\nChannel 1: Yeah. Yeah. At the Gold Coast.\n\nChannel 0: Oh, yeah. Nice. Perfect.\n\nChannel 1: Yeah. And then, you know, with Body Corporate, you know, it takes\n\nChannel 0: Mhmm.\n\nChannel 1: about 14 off. The mortgage\n\nChannel 0: Yep.\n\nChannel 1: would probably be about 12. And then\n\nChannel 0: Yep.\n\nChannel 1: yeah. Yeah. Then seems to seems to positively cash flow, like, about 18\n\nChannel 0: Mhmm.\n\nChannel 1: thousand. So,\n\nChannel 0: Yeah.\n\nChannel 1: like,\n\nChannel 0: That's not\n\nChannel 1: maybe, like, a 60,000 dollars down.\n\nChannel 0: yeah. No. That's good. And, yeah, so, definitely, if you have all that information, then it's always something you can send through to us, and we can have have a look through kind of that that property advice side of it. If you've\n\nChannel 1: Yeah.\n\nChannel 0: already kind of found a property that you are wanting and, obviously, the the lender has, from at least a numbers point of view, says it's viable, then we can definitely have a look at that. So when I send you Jenna's details, you can always just respond to that email as well if you do have anything. And, again, I will kind of talk her through what we've discussed today.\n\nChannel 1: Yeah. For sure.\n\nChannel 0: Yep. Okay. Beautiful. Now, otherwise, when it comes to, obviously, your super and your insurances, at the moment, we have you invested in that high growth portfolio. I know\n\nChannel 1: Mhmm.\n\nChannel 0: last year, we did some advice and kind of went through everything in a lot of detail. So with your risk profile, has anything changed for you, or are you still comfortable remaining in that high growth portfolio, or what are you kind\n\nChannel 1: Yeah.\n\nChannel 0: of\n\nChannel 1: No.\n\nChannel 0: thinking?\n\nChannel 1: That's that's that's fine. I'm happy with\n\nChannel 0: Yep.\n\nChannel 1: that.\n\nChannel 0: Yep. Okay. Beautiful. Now, David, do you have access to your emails at the moment by any\n\nChannel 1: Yep.\n\nChannel 0: chance? Yep. Okay. Beautiful. So I have to send you an email with some documents to run through if you could access that for me.\n\nChannel 1: Hold on. Let me just\n\nChannel 0: And it should come directly from me. And we have changed the software, so it might look a little bit different to what you are used to. It's kind of the same, though, where it says request signature or sign documents or something. And then it will just ask you to click on a link,\n\nChannel 1: Yep.\n\nChannel 0: and that link will open up all the documents for you. Yep. Perfect. Now let me know if you can see the first one where it says summary of super and insurances.\n\nChannel 1: Yes. A 131,000.\n\nChannel 0: Yep. 206. And when we spoke last time during annual review, it was at a 113,944. So it's done pretty good given the market conditions in the the last twelve months, so quite happy with that. Now underneath it, you have your Clearview insurances.\n\nSo you have your life and total permanent disability insurance, and you have 879,187. And then you can see your income protection policy there, which is that\n\nChannel 1: No.\n\nChannel 0: monthly benefit of 5,221. That's thirty day waiting period, which is good that it is the lowest. Sometimes you can have, like, sixty or ninety days, which, obviously, you have\n\nChannel 1: Yes.\n\nChannel 0: to be off work a lot longer. So so that is good. And you do have it for five years. Hopefully, you don't have to be off work for very long, but you do have that running for for five years as well,\n\nChannel 1: Sorry.\n\nChannel 0: which is good.\n\nChannel 1: That it won't change the amount as it goes along, like, whichever goes.\n\nChannel 0: No. So it will stay. The only thing is if your policy is indexed, then what it might mean that if you remain on claim for a long period of time, it might go up just with, like, inflation, but it won't go down.\n\nChannel 1: Okay. Sweet. Yeah. Because we're covered like, it covers 75% for six months, and then it goes down to 60\n\nChannel 0: Yes.\n\nChannel 1: five and then 55.\n\nChannel 0: No. Not on your policy. So with the the ClearView policy we have, it's a flat 70% for the duration of the five years. So it doesn't\n\nChannel 1: Okay.\n\nChannel 0: decrease. Yep. Which is good. Now those funds are paid from within superannuation. You do get that little tax rebate.\n\nSo all three is 2,873 from hub twenty four for you.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Now if you can go to the next document for me, it should be your performance with IRR with Hub twenty four.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now this one might look a little bit messy, but because you drew some personal investment, it might make a little bit more sense to you, which is great. But, essentially, it does give you a a breakdown over the last twelve months. So it breaks down all your individual investments, how they have performed, how much you have in each option over the last twelve months net of fees.\n\nNow this one here looks a little bit more extensive than usual, and the reason being is that we did do advice for you back in November. So, obviously, within the last twelve months, we had those investment changes that we went through. So that's\n\nChannel 1: Yep.\n\nChannel 0: why there's, like, a little bit more. The good thing is, though, that the one investment that was underperforming, which was the Benelung Australian Equity, we completely sold out of last year, which was great. But\n\nChannel 1: Yep.\n\nChannel 0: you can basically see all the other investments that have done really good. And like I said, overall in the twelve months, and that is, again, with the changes we have made and the market condition, it's still up after fees by 9.07%.\n\nChannel 1: Sorry. What was that, babe?\n\nChannel 0: So the whole portfolio as a whole, now after fees, it's up by 9.07%\n\nChannel 1: Yes.\n\nChannel 0: in the last twelve months. But that's also that during the last twelve months, we then swapped you out of some of those investments that weren't performing and put you in other ones. So that's\n\nChannel 1: Yeah.\n\nChannel 0: even\n\nChannel 1: Yeah.\n\nChannel 0: within that time frame. So so really happy with that.\n\nChannel 1: Yeah. It's not bad.\n\nChannel 0: Yeah. Now if you want to go through the next document for me, it should be your Vanguard index chart, I believe.\n\nChannel 1: The performance with IRR or the this\n\nChannel 0: Next\n\nChannel 1: is\n\nChannel 0: one.\n\nChannel 1: the one\n\nChannel 0: So the\n\nChannel 1: that's\n\nChannel 0: performance\n\nChannel 1: set again. Okay.\n\nChannel 0: yeah.\n\nChannel 1: Give me a second.\n\nChannel 0: Yep.\n\nChannel 1: Oh, the Vanguard. Yep.\n\nChannel 0: Yes. Yep. Do you remember seeing this last year?\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. So it is good. It's just a good visual representation of what we are talking about when we're talking about the market. You can see here that, obviously, over the long term, market always goes up. For short term, there will be some ups and downs and market fluctuations.\n\nNow\n\nChannel 1: Yeah.\n\nChannel 0: sometimes you can also see that the biggest drop in the market is then quite closely followed by the incline again, which is good. And how this kind of relates to that high growth portfolio for you is on the right hand side, you have the different asset classes. Now with a high growth portfolio, you do have about 90% invested in a combination of the four. So that is your US shares, which is, like, the light green. You have your Australian shares, which is your dark green, international shares, which is, like, the yellow, and then the property, which is, like, a maroon color.\n\nAnd you can see here that they are the ones that do grow the most, but also fluctuate the most. Yep. And then you do have about 10% in defensive, which is your your cash, your fixed interest, and then gold can kind of come into this as well. Any questions so\n\nChannel 1: No. No.\n\nChannel 0: far?\n\nChannel 1: That's fine.\n\nChannel 0: No. All good. Perfect. Now the next document should be your ClearView certificate of currency, I believe.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now this just breaks down your insurance policies in a bit more detail, but basically lets you know that's all paid and up to date. Now the\n\nChannel 1: After your sorry. Go back to before. After your fees and insurances, it's still about 9%.\n\nChannel 0: mhmm. 9.07% after that. Yes. So that's just, like,\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: That's\n\nChannel 0: growth on your investments. Yes. After fees.\n\nChannel 1: That's great. Awesome.\n\nChannel 0: Yes. And\n\nChannel 1: Very\n\nChannel 0: in\n\nChannel 1: happy.\n\nChannel 0: a dollar dollar value, so that is not contribution. That's just, again, growth on your investments that equates to that 13,096.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yep.\n\nChannel 1: That's awesome. Okay.\n\nChannel 0: Yep. Perfect. Now the next document, David, should be the Oakview services guide.\n\nChannel 1: Yep.\n\nChannel 0: Yep. You would have seen this one a couple of times. It is one of those compliance documents, but it does give you all the important information in regards to us here at Oakview. I'll let you have a read over this in your own time. But, basically, all the information in regards to our directors advisers, everything is in there for you.\n\nIf you do wanna put a face to the voice again, I am on page 10. But, otherwise, I'll let you have a read over that in your own time, which then takes us to your last document, which should be the one where it says consent to ongoing fee arrangements\n\nChannel 1: Yep.\n\nChannel 0: with hub twenty four. Yeah. So this one here, it's just your ongoing service agreement, which is just to say that you are happy to stay on as a client. Now there is no changes whatsoever in regards to the fee structure for you, David. It stays exactly the same at 1.65 from super, so no changes in regards to that.\n\nAnd it is also not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But by signing this document here, because it will ask for your little signature if you are happy to do so, It just allows us to manage all your investments and everything for you in the meantime.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Yep. Perfect. Do you have any questions in regards to any of those documents? No.\n\nOkay. Perfect. So, basically, when you when you have a moment or if you have the option to do so, it will just ask you to add a little signature on the document that you are in at the moment. But if you're a bit busy sounds like you're a little bit busy at the moment\n\nChannel 1: No. I can I\n\nChannel 0: or\n\nChannel 1: just\n\nChannel 0: no?\n\nChannel 1: I just signed it now?\n\nChannel 0: Ah, perfect. So it should just ask you to add a signature, automatically sends you sets up the date. And then, yeah, when you press validate, it should then load and and back to me.\n\nChannel 1: Yeah. It's just\n\nChannel 0: Just\n\nChannel 1: yeah.\n\nChannel 0: is it just loading? Okay. Yeah. So, basically, just kind of recapping that I will get to the team to email you the the lawyer information again, repost the beneficiary form for your super and insurances so we can get that sorted. And I will also put a reminder if we haven't heard from you before in about two months' time for my colleague, Jenna, to reach out to talk a bit more about personal investment options and having a look at any of that kind of property side of things as well for you.\n\nChannel 1: Yeah. I\n\nChannel 0: Yeah.\n\nChannel 1: do have my girlfriend at the moment. She's gone through a divorce and has\n\nChannel 0: Mhmm.\n\nChannel 1: super in two different areas. But\n\nChannel 0: Okay.\n\nChannel 1: it's it's it's in the same Australian Retirement Trust that I was before I came with you guys.\n\nChannel 0: Yes. Yep.\n\nChannel 1: And I said to her, like, you gotta you gotta change it because you\n\nChannel 0: Mhmm.\n\nChannel 1: never get more than 6%,\n\nChannel 0: Yep.\n\nChannel 1: like, from those from those guys. And, yeah, before, you know, she was just she was a stay at home mom. She didn't really have\n\nChannel 0: Mhmm.\n\nChannel 1: much. But now she's got more than\n\nChannel 0: Yeah.\n\nChannel 1: I do. And I'm like, you gotta get it managed.\n\nChannel 0: Yeah.\n\nChannel 1: And then so I wanna we're trying to line something up.\n\nChannel 0: Yeah.\n\nChannel 1: I wanna give you guys her details to then\n\nChannel 0: Yes.\n\nChannel 1: contact\n\nChannel 0: That would\n\nChannel 1: her\n\nChannel 0: be great. Yeah.\n\nChannel 1: and then\n\nChannel 0: That\n\nChannel 1: why.\n\nChannel 0: yeah. Perfect. We can definitely do that. Hopefully, we can help her as well. And if it is that she, you know, does come on board, there is a little gift voucher for you as well to say thank you as a little\n\nChannel 1: Yeah.\n\nChannel 0: referral bonus, which is which is lovely. But if you want to give me her her name and phone number and email, if you have it and best contact time, if she has one, then I can get the team to reach out and see how we can best help her as well.\n\nChannel 1: Yes. It's Charlotte. Can you guys, like, flick her a message? So that way she can then\n\nChannel 0: Yes.\n\nChannel 1: line something up with me.\n\nChannel 0: Yep. Yep. So I can definitely get them to email email her first, and\n\nChannel 1: Yeah.\n\nChannel 0: then she can respond to that with what works best for her.\n\nChannel 1: Okay. Sweet. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Okay. So her name is Holly Mercer,\n\nChannel 0: Holly Mercer. And last name, how is that spelled?\n\nChannel 1: M e r c e r.\n\nChannel 0: Yep. Oh, beautiful. And best email and contact number if you know?\n\nChannel 1: Yep. Just one second.\n\nChannel 0: Sure.\n\nChannel 1: She's, like, been a great organizer of life. So I'm just going into my calendar, which has\n\nChannel 0: That's good.\n\nChannel 1: which has a why is it not showing up? So I'll just bring it up.\n\nChannel 0: Yeah. No. That's okay. Take your time.\n\nChannel 1: So it's it's Holly Mercer. No no\n\nChannel 0: Yep.\n\nChannel 1: dots or dashes or anything.\n\nChannel 0: Yeah.\n\nChannel 1: 80\n\nChannel 0: Just hold in, Melissa.\n\nChannel 1: six\n\nChannel 0: Eighty six. Yep.\n\nChannel 1: at Gmail dot com.\n\nChannel 0: @gmail.com. Perfect. And phone number as well if you have it, but we'll email\n\nChannel 1: Yeah.\n\nChannel 0: her first.\n\nChannel 1: For sure. It's 0432265552.\n\nChannel 0: Eight two six five 552. Beautiful. I will pass that on to our onboarding team. I will get them to send her a little email, and then they can kind of tie up a time that works best for her. We'll do a bit of a introduction.\n\nEverything is completely complimentary as well. But it's always, like, a good free review if anything where we have a bit of a chat to her, see what her goals are, see what her situation is like. We'll then put\n\nChannel 1: Yeah.\n\nChannel 0: together a research proposal similar to what we did for you when you came on board. And there's\n\nChannel 1: Yep.\n\nChannel 0: obviously no obligation, and it's only after if she is happy to go ahead that there would then be, obviously, the fee. So everything up until she decides if she wants to come on board is completely complimentary.\n\nChannel 1: Oh, for\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: sure. Was I did refer someone else. I'm just wondering if they ended up joining with you guys.\n\nChannel 0: Do\n\nChannel 1: It was\n\nChannel 0: you remember what\n\nChannel 1: I\n\nChannel 0: the name is? And I\n\nChannel 1: I don't\n\nChannel 0: can\n\nChannel 1: remember.\n\nChannel 0: check.\n\nChannel 1: Remember. See if I've got his last name, but it was Jordan.\n\nChannel 0: Jordan.\n\nChannel 1: I don't know if he fully followed through with it or I\n\nChannel 0: I might need the first name as well, but, usually, we do if it is that a client because, obviously, we note down right away\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: who's referred. So I will I will check with the team if there is any\n\nChannel 1: It's\n\nChannel 0: records of anyone's\n\nChannel 1: Yeah. So it's Jordan Robinson.\n\nChannel 0: Jordan Robinson. I will have a look at the team. Just for privacy, I can't\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: tell\n\nChannel 1: Yeah. For sure.\n\nChannel 0: you tell you anything,\n\nChannel 1: Yeah.\n\nChannel 0: but I will check. And if it was that the person who you referred did sign on, usually, we would have sent through the certificate right away. So as soon as a client does sign sign on, we will send you that gift card. I will\n\nChannel 1: Yeah.\n\nChannel 0: triple check it for you, though. And if it was that they did sign on board and you haven't got anything, then I will chase that for you. Otherwise yeah. But thanks for for letting me know, and I will check. But when I sent their email to the onboarding team for Holly, I will note down that you have referred her so that if she does come on board, it will obviously go the gift card to you.\n\nChannel 1: Yeah. Awesome. I'm I'm all worried about her actually doing it because, yeah, it's she, yeah, she definitely needs it.\n\nChannel 0: Yeah. Yeah. Yeah. And and that's just that's that's good as well. And, hopefully, we can help her similar to what we have for you.\n\nAnd, obviously, because you are a client, you can also, obviously, tell her your experience and everything personally, which is great. And if there is that you guys ever wanna work on joint strategies and stuff, sometimes that's, you know, we can always do joint under reviews and stuff like that with couples if that's ever,\n\nChannel 1: Yeah.\n\nChannel 0: you know, something you guys want as well.\n\nChannel 1: Yeah. For sure.\n\nChannel 0: Yep.\n\nChannel 1: Okay.\n\nChannel 0: Beautiful. Now do you have anything else for me, David, before I let you go and enjoy your\n\nChannel 1: Oh, look. I I can pick your brain. So I was looking at putting this property\n\nChannel 0: afternoon?\n\nChannel 1: in a trust.\n\nChannel 0: Mhmm.\n\nChannel 1: What's the what's the go with the new updates on on trust that the government changes?\n\nChannel 0: So with the the property, are you thinking, obviously, outside super, so not inside\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: superannuation? Yeah.\n\nChannel 1: Yeah. That's fine. Yeah.\n\nChannel 0: Do you know which type of trust structure?\n\nChannel 1: Well, I'm I'm flicking up between, like, just the like, a kind of business partner trust or a family\n\nChannel 0: Mhmm.\n\nChannel 1: trust\n\nChannel 0: Yep.\n\nChannel 1: to go in with with Holly herself.\n\nChannel 0: Yep. So it and that's for buying a property? So because there are it gets quite complicated depending on which trust structure you are looking at with the new changes.\n\nChannel 1: Yeah.\n\nChannel 0: Family like, your testamentary trust weren't part of the budget where they are making changes. They were making quite a lot of changes to other trust structure. So so if you guys are looking at discretionary trusts, then\n\nChannel 1: Yeah.\n\nChannel 0: they have made changes in regards to that for especially when it comes to kind of low income earners, the minimum rate being the 30% whereas before, if you are not working on low income, you could obviously kind of then distribute the earnings through the low income earner, and kind of use that in a tax effective way. So they have changed the rules in regards to that\n\nChannel 1: Yep. Okay. So they put it under a base of 30%\n\nChannel 0: for\n\nChannel 1: just like\n\nChannel 0: discretionary\n\nChannel 1: a biz.\n\nChannel 0: co correct just to kinda limit the tax benefit as much,\n\nChannel 1: And\n\nChannel 0: I guess.\n\nChannel 1: and you and I I heard that you've they're more tied on actually physically transferring the the money itself. Is that right? Or or the,\n\nChannel 0: From,\n\nChannel 1: like,\n\nChannel 0: like,\n\nChannel 1: a\n\nChannel 0: the discretionary trust into\n\nChannel 1: Yeah. You\n\nChannel 0: who\n\nChannel 1: used\n\nChannel 0: it\n\nChannel 1: to be\n\nChannel 0: is.\n\nChannel 1: able to, like, pretty much just put it on paper that that's what was gonna happen, and then the\n\nChannel 0: They\n\nChannel 1: money could\n\nChannel 0: they\n\nChannel 1: still gonna stay in the trust.\n\nChannel 0: yeah. They have tied it a lot of things with the budget, so there's a lot of changes,\n\nChannel 1: Okay.\n\nChannel 0: especially even with, like, self managed super funds as well. So if you ever wanted to before, you could obviously set up a property within a self managed super fund, and you can use a borrowing arrangement to buy a property through your self managed super fund, that has changed. So the only way you could now buy a property through a self managed super fund if you want to borrow money is through commercial property. You can't do it for residential property anymore. So\n\nChannel 1: Oh,\n\nChannel 0: the only\n\nChannel 1: well.\n\nChannel 0: way yeah. So if you wanted to do, like, an investment property through a self managed superfund, you can't borrow for us anymore. So they've made quite a few changes, and, yeah, that changed that had to have been in place the tenth of this month. So they've made that a little bit harder as well.\n\nChannel 1: Is that if you've\n\nChannel 0: Yeah.\n\nChannel 1: owned the property beforehand or, like, as a\n\nChannel 0: So, like, if if you wanted to do it today so let's say you and Holly wanted to combine your\n\nChannel 1: yeah.\n\nChannel 0: supers and do a self managed super fund, and you wanted to have a property as part of your portfolio within the self managed super fund, but you obviously wanted to or needed to borrow against it. So you didn't have enough for, obviously, the property. You were then\n\nChannel 1: Yeah.\n\nChannel 0: you used to have a loan agreement outside superannuation through, obviously, finance and buy the investment property, and that\n\nChannel 1: Uh-huh.\n\nChannel 0: would\n\nChannel 1: Yeah.\n\nChannel 0: obviously kind of be filtered through a different cash account where you had obviously payments and everything going in. That, you can't do anymore. So you can't have\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: Right.\n\nChannel 0: loan arrangement for a residential property. It has to be commercial. So,\n\nChannel 1: Okay.\n\nChannel 0: yeah, that makes that quite quite different as well. So a lot of changes.\n\nChannel 1: Yeah. Right. So\n\nChannel 0: Yeah.\n\nChannel 1: say, for example, my mom's got a she's on the way to retirement. She was looking at paying off her her through\n\nChannel 0: Mhmm.\n\nChannel 1: through setting up a self managed super fund. If she's already owned it, does that still does that rules still apply, or is it still the old rules with that?\n\nChannel 0: So with the self managed super fund, you can't have a property through a self managed super fund if you live in it. It has\n\nChannel 1: Oh, no. She\n\nChannel 0: so\n\nChannel 1: doesn't\n\nChannel 0: even\n\nChannel 1: she\n\nChannel 0: with\n\nChannel 1: doesn't live she doesn't live\n\nChannel 0: alright.\n\nChannel 1: in it.\n\nChannel 0: Okay.\n\nChannel 1: No.\n\nChannel 0: Does she already have the property within a self managed super fund, or that was something\n\nChannel 1: Sorry.\n\nChannel 0: she was looking at\n\nChannel 1: Sorry.\n\nChannel 0: doing?\n\nChannel 1: She was really\n\nChannel 0: No.\n\nChannel 1: enjoying that.\n\nChannel 0: And does she\n\nChannel 1: Okay.\n\nChannel 0: have a loan attached to it?\n\nChannel 1: Yes.\n\nChannel 0: Yes. So unless what's in her super will pay off the loan completely, then no.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: Alright. Okay. I'll let her know.\n\nChannel 0: yeah. Yeah.\n\nChannel 1: But\n\nChannel 0: But, obviously, depends on because, obviously, I can't give any personal advice for her because, obviously,\n\nChannel 1: yeah.\n\nChannel 0: I\n\nChannel 1: Yeah.\n\nChannel 0: don't know\n\nChannel 1: For\n\nChannel 0: her\n\nChannel 1: sure.\n\nChannel 0: full situation and stuff\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: like that.\n\nChannel 1: Absolute absolutely.\n\nChannel 0: Yeah.\n\nChannel 1: No. I'm not saying it's gospel. Would that\n\nChannel 0: No. Perfect.\n\nChannel 1: so so if she does that still apply so if she could pay off the cell the the loan with a super, is there still that percentage where you have to leave, like, a certain amount in your super or other investments.\n\nChannel 0: It would depend on which product you would have have it with.\n\nChannel 1: Okay.\n\nChannel 0: So often, some people just have a property, and then they have the minimum cash associated with whatever product. So whichever platform\n\nChannel 1: Alright.\n\nChannel 0: they use for, obviously, the cash flow and everything with the self managed super fund, They sometimes have a minimum balance. Like, we'd have 24 even with your account, they have a minimum of of 1.25% that has to be in cash\n\nChannel 1: Yep.\n\nChannel 0: to\n\nChannel 1: Alright.\n\nChannel 0: account.\n\nChannel 1: I thought it was like a I thought it was like a you couldn't invest more than 6060% into a property, but maybe I was wrong on that.\n\nChannel 0: Usually not. Like, you unless it's, like, a different product, but a lot of the ones that we have for clients with self managed super funds, the bigger issue is more so, obviously, liquidity and diversification. Because if you had everything in just the property and something would've happened to the property market, like, even now, we're obviously seeing a bit of bit of prices coming down for for property. Obviously, if you\n\nChannel 1: Yeah.\n\nChannel 0: have all your super completely locked into a property and you need to access that money for some reason, it's obviously very it's not very liquid. You can't just\n\nChannel 1: Yeah.\n\nChannel 0: sell something\n\nChannel 1: Yeah.\n\nChannel 0: quickly and get the money, and everything is tied up into the property. So a lot of the times, people will have a property and an investment account with the self managed super fund, but not everyone does it. Some people just have a investment account. Some people just have a property. But in terms of their percentage, it would depend on each like, the provider that\n\nChannel 1: Yes.\n\nChannel 0: they have the self managed super funds because there's a lot of different yeah. Again, it's kind of similar to your hub 24. There's hundreds of different super funds to choose from. There are different accounts that you can set up with the self managed super funds,\n\nChannel 1: Okay.\n\nChannel 0: and each provider does have a a slightly different limitation on that as well.\n\nChannel 1: Yep. Okay. Fair enough. And last last question before I let you go is\n\nChannel 0: That's okay.\n\nChannel 1: is so you I was gonna give you guys, like, $50 to do the same kind of setup as my super, but for, obviously,\n\nChannel 0: Mhmm.\n\nChannel 1: personal investment. Is it\n\nChannel 0: Yep.\n\nChannel 1: around is it around the same percentage management fee? Or\n\nChannel 0: It sometimes changes. So, usually because we've just kind of made some changes to some of our fee structures,\n\nChannel 1: Yeah.\n\nChannel 0: so we would kind of consider it. Now sometimes it's then split proportionately. So with the next year, we are looking at doing more of a tiered fee structure.\n\nChannel 1: But I have interest in it. Yeah.\n\nChannel 0: So it would be but the good thing is that it will be based on your pool of money. So if you were to then with your super, with your investment, that takes you up to, like, the next tier, then that would make it cheaper, if that makes\n\nChannel 1: Oh,\n\nChannel 0: sense,\n\nChannel 1: okay.\n\nChannel 0: because it's kind of like an accumulation of that.\n\nChannel 1: Okay. Oh,\n\nChannel 0: But\n\nChannel 1: that's\n\nChannel 0: if it was\n\nChannel 1: so you consider both of them together.\n\nChannel 0: correct. Yes. To make it a little bit more affordable because it's we're then kind of using this farm as a whole, then separate, if that makes sense.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Okay.\n\nChannel 0: then,\n\nChannel 1: Cool.\n\nChannel 0: like, the more money you have, the cheaper it will be. But if we were to do some research on and it would depend on the type of investment. Investment bonds are sometimes a little bit different to personal investments. But when we do have a chat to you about what you are looking at and which investment option might be the most suitable for you, we would\n\nChannel 1: Yeah.\n\nChannel 0: put everything in that statement of advice, and that will show you all the fees and everything like that before you'd obviously make a decision.\n\nChannel 1: Yeah. I think so.\n\nChannel 0: Yep.\n\nChannel 1: Sounds\n\nChannel 0: Perfect. Any\n\nChannel 1: great.\n\nChannel 0: other questions, David?\n\nChannel 1: Alright. That's perfect. Thank you very\n\nChannel 0: No?\n\nChannel 1: much.\n\nChannel 0: That is no problem at all. Now I can see that that document that you signed has come through, which is great. I will get on to my team, obviously, contacting Holly, emailing that stuff to you, and I will also brief you out my con my colleague, Jenna. So probably next week, you will get that email from me just with her direct contact details. If you forget and your email will call me directly, that's fine.\n\nLike, if you call the office and ask for me, they will just direct it to her anyway, and my emails will be automatically forwarded to her as well.\n\nChannel 1: Sure. Perfect.\n\nChannel 0: Yep. Beautiful. Well, thank you so much for your time today, David. Obviously, I hope everything goes well with the IP claim and that you recover soon and get back to everything. But, obviously, let us know how it's all kind of progressing for you as well and if there's anything else you do need help\n\nChannel 1: Yeah. For sure. And\n\nChannel 0: with.\n\nChannel 1: best of luck with your pregnancy. You did this\n\nChannel 0: Yeah.\n\nChannel 1: first one.\n\nChannel 0: Yes. First one, I'm having\n\nChannel 1: Oh, how\n\nChannel 0: a little\n\nChannel 1: exciting.\n\nChannel 0: girl.\n\nChannel 1: Uh-huh. Oh, awesome.\n\nChannel 0: Yeah.\n\nChannel 1: I hope you'll. No. You're gonna\n\nChannel 0: Yeah. Yep. Thank you very much. Look forward to it, and I look forward to kind of reconnecting with you when I'm back. I'm off for twelve months, and then, obviously, seeing how everything's progressed for you and where\n\nChannel 1: love\n\nChannel 0: everything's\n\nChannel 1: it.\n\nChannel 0: at.\n\nChannel 1: Okay. Enjoy the next twelve months. That's good. It's gonna be a great time for you.\n\nChannel 0: A bit of a roller coaster, but I'm sure I'm sure it'll be very special. Thank you so much. Thank you, David. We'll speak soon. Alright.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.24,"end":0.74,"sentiment":"neutral","sentiment_score":0.03676985204219818}],"sentiment":"neutral","sentiment_score":0.03676985204219818,"channel":1,"num_words":1,"start":0.24,"end":0.74},{"sentences":[{"text":"Good afternoon.","start":2.3999999,"end":3.12,"sentiment":"neutral","sentiment_score":0.2783437594771385}],"sentiment":"neutral","sentiment_score":0.2783437594771385,"channel":0,"num_words":2,"start":2.3999999,"end":3.12},{"sentences":[{"text":"It","start":2.96,"end":3.46,"sentiment":"neutral","sentiment_score":0.14983992278575897}],"sentiment":"neutral","sentiment_score":0.14983992278575897,"channel":1,"num_words":1,"start":2.96,"end":3.46},{"sentences":[{"text":"Is this David?","start":3.12,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.16105823715527853}],"sentiment":"neutral","sentiment_score":0.16105823715527853,"channel":0,"num_words":3,"start":3.12,"end":3.9399998},{"sentences":[{"text":"is.","start":5.68,"end":6.18,"sentiment":"neutral","sentiment_score":0.06842206418514252}],"sentiment":"neutral","sentiment_score":0.06842206418514252,"channel":1,"num_words":1,"start":5.68,"end":6.18},{"sentences":[{"text":"This is Veronica from OC Financial.","start":6.64,"end":8.82,"sentiment":"neutral","sentiment_score":0.12797070170442262},{"text":"How are you?","start":9.12,"end":9.94,"sentiment":"neutral","sentiment_score":0.14875589807828268}],"sentiment":"neutral","sentiment_score":0.1348991004957093,"channel":0,"num_words":9,"start":6.64,"end":9.94},{"sentences":[{"text":"Good.","start":11.679999,"end":11.92,"sentiment":"positive","sentiment_score":0.4061378240585327},{"text":"How are you?","start":11.92,"end":12.74,"sentiment":"neutral","sentiment_score":0.2529596537351608}],"sentiment":"neutral","sentiment_score":0.2912541963160038,"channel":1,"num_words":4,"start":11.679999,"end":12.74},{"sentences":[{"text":"Yeah.","start":13.04,"end":13.44,"sentiment":"neutral","sentiment_score":0.3219948709011078},{"text":"Good.","start":13.44,"end":13.759999,"sentiment":"positive","sentiment_score":0.5988610982894897},{"text":"Thank you.","start":13.759999,"end":14.5,"sentiment":"positive","sentiment_score":0.6999908983707428},{"text":"I had you booked in to go over your annual review.","start":15.36,"end":18.574999,"sentiment":"positive","sentiment_score":0.47324611382050946},{"text":"Is now still a good time for you?","start":18.574999,"end":20.355,"sentiment":"positive","sentiment_score":0.3865935504436493}],"sentiment":"positive","sentiment_score":0.461708409630734,"channel":0,"num_words":23,"start":13.04,"end":20.355},{"sentences":[{"text":"Mhmm.","start":20.815,"end":21.315,"sentiment":"neutral","sentiment_score":0.04341275244951248},{"text":"There it is.","start":21.615,"end":22.515,"sentiment":"neutral","sentiment_score":0.12198402732610703}],"sentiment":"neutral","sentiment_score":0.10234120860695839,"channel":1,"num_words":4,"start":20.815,"end":22.515},{"sentences":[{"text":"Yep.","start":22.015,"end":22.515,"sentiment":"neutral","sentiment_score":0.14046838879585266},{"text":"Perfect.","start":23.295,"end":23.795,"sentiment":"positive","sentiment_score":0.5033884048461914},{"text":"Now, David, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":24.494999,"end":32.14,"sentiment":"neutral","sentiment_score":0.039675925248141945}],"sentiment":"neutral","sentiment_score":0.05788576212381163,"channel":0,"num_words":31,"start":22.015,"end":32.14},{"sentences":[{"text":"Yep.","start":32.89,"end":33.39,"sentiment":"neutral","sentiment_score":0.0689908117055893}],"sentiment":"neutral","sentiment_score":0.0689908117055893,"channel":1,"num_words":1,"start":32.89,"end":33.39},{"sentences":[{"text":"Yep.","start":33.72,"end":34.2,"sentiment":"neutral","sentiment_score":0.10865073651075365},{"text":"Perfect.","start":34.2,"end":34.68,"sentiment":"neutral","sentiment_score":0.29955294728279114},{"text":"And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please?","start":34.68,"end":41.9,"sentiment":"neutral","sentiment_score":0.09004551599974986}],"sentiment":"neutral","sentiment_score":0.09791146950988934,"channel":0,"num_words":29,"start":33.72,"end":41.9},{"sentences":[{"text":"Yep.","start":43.05,"end":43.449997,"sentiment":"neutral","sentiment_score":0.024239230901002884},{"text":"It's David Andrew Eastman.","start":43.449997,"end":46.105,"sentiment":"neutral","sentiment_score":0.019860430620610714},{"text":"Six zero third nineteen eighty eight.","start":46.805,"end":48.985,"sentiment":"neutral","sentiment_score":0.019953814335167408}],"sentiment":"neutral","sentiment_score":0.020309439944950016,"channel":1,"num_words":11,"start":43.05,"end":48.985},{"sentences":[{"text":"Yep.","start":49.495,"end":49.995,"sentiment":"neutral","sentiment_score":0.03118479624390602}],"sentiment":"neutral","sentiment_score":0.03118479624390602,"channel":0,"num_words":1,"start":49.495,"end":49.995},{"sentences":[{"text":"And my address is 16 Old Northern Road in Avenue Park.","start":50.325,"end":56.345,"sentiment":"neutral","sentiment_score":0.03326046940955249}],"sentiment":"neutral","sentiment_score":0.03326046940955249,"channel":1,"num_words":11,"start":50.325,"end":56.345},{"sentences":[{"text":"Yep.","start":56.855,"end":57.355,"sentiment":"neutral","sentiment_score":0.14396944642066956},{"text":"Perfect.","start":57.68,"end":58.0,"sentiment":"positive","sentiment_score":0.487140417098999},{"text":"That's exactly what I have here.","start":58.0,"end":59.94,"sentiment":"positive","sentiment_score":0.47301341593265533},{"text":"Now before I just kind of jump into the under review as well, just wanted to obviously see how you are going with everything.","start":60.719997,"end":67.44,"sentiment":"neutral","sentiment_score":0.03699482325464487},{"text":"My colleague, Caden, obviously mentioned that you are kind of going through looking at that IP claim with him with Clearview at the moment and that you are off 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did you say?","start":96.06,"end":96.78,"sentiment":"neutral","sentiment_score":-0.06804708950221539},{"text":"Sorry, David.","start":96.78,"end":97.455,"sentiment":"neutral","sentiment_score":-0.09780795872211456}],"sentiment":"neutral","sentiment_score":-0.07796737924218178,"channel":0,"num_words":6,"start":96.06,"end":97.455},{"sentences":[{"text":"Oh, I just said yeah.","start":99.34,"end":100.939995,"sentiment":"neutral","sentiment_score":-0.0661947175860405},{"text":"They said that it's gonna be, like, a six week 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know.","start":3118.2048,"end":3119.265,"sentiment":"neutral","sentiment_score":0.017952358815819025}],"sentiment":"neutral","sentiment_score":0.015740315662696958,"channel":1,"num_words":6,"start":3117.165,"end":3119.265},{"sentences":[{"text":"yeah.","start":3118.9048,"end":3119.25,"sentiment":"neutral","sentiment_score":-0.001972666010260582},{"text":"Yeah.","start":3119.73,"end":3120.23,"sentiment":"neutral","sentiment_score":-0.01637456752359867}],"sentiment":"neutral","sentiment_score":-0.009173616766929626,"channel":0,"num_words":2,"start":3118.9048,"end":3120.23},{"sentences":[{"text":"But","start":3119.94,"end":3120.44,"sentiment":"neutral","sentiment_score":-0.04176827147603035}],"sentiment":"neutral","sentiment_score":-0.04176827147603035,"channel":1,"num_words":1,"start":3119.94,"end":3120.44},{"sentences":[{"text":"But, obviously, depends on because, obviously, I can't give any personal advice for her because, 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investments.","start":3133.355,"end":3148.78,"sentiment":"neutral","sentiment_score":0.018531591897564276}],"sentiment":"neutral","sentiment_score":0.018531591897564276,"channel":1,"num_words":42,"start":3133.355,"end":3148.78},{"sentences":[{"text":"It would depend on which product you would have have it with.","start":3150.42,"end":3155.72,"sentiment":"neutral","sentiment_score":0.002318077410260836}],"sentiment":"neutral","sentiment_score":0.002318077410260836,"channel":0,"num_words":12,"start":3150.42,"end":3155.72},{"sentences":[{"text":"Okay.","start":3156.44,"end":3156.94,"sentiment":"neutral","sentiment_score":0.020289063453674316}],"sentiment":"neutral","sentiment_score":0.020289063453674316,"channel":1,"num_words":1,"start":3156.44,"end":3156.94},{"sentences":[{"text":"So often, some people just have a property, and then they have the minimum cash associated with whatever 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They also discuss financial and employment-related topics, including their retirement savings, health insurance, and estate planning. The agent provides information on the process of nominating a legal personal representative for estate planning and setting up a will. The customer is advised to sign documents and follow up with the agent if needed. The agent also explains the process of obtaining a ClearView certificate of currency and provides information on the process of signing a consent to ongoing fee arrangements and setting up a payment schedule."},"intents":{"segments":[{"text":"I had you booked in to go over your annual review. Is now still a good time for you?","start_word":25,"end_word":43,"intents":[{"intent":"Arrange review","confidence_score":0.0006802566}]},{"text":"And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? 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Okay.","start_word":563,"end_word":611,"intents":[{"intent":"Request assistance","confidence_score":0.00035711014}]},{"text":"So you said about six weeks recovery, and it's kind of a is it a hamstring injury? Yeah.","start_word":613,"end_word":630,"intents":[{"intent":"Recover income","confidence_score":0.000010867755}]},{"text":"And at the moment, are you guys are you okay financially? Are you really struggling?","start_word":633,"end_word":647,"intents":[{"intent":"Check availability","confidence_score":0.0007862851}]},{"text":"Obviously, you won't have your income for a while kind of cash flow wise. They allow me to use personal leave at the moment. Okay.","start_word":648,"end_word":672,"intents":[{"intent":"Provide cash flow assistance","confidence_score":0.00044419913}]},{"text":"that's how I process with the the physio. But I will be going to get a doctor's appointment once those paperwork comes as well Yep.","start_word":792,"end_word":816,"intents":[{"intent":"Receive callback with paperwork","confidence_score":0.0000068741783}]},{"text":"I'll update that. and 5. Perfect.","start_word":1423,"end_word":1428,"intents":[{"intent":"Update information","confidence_score":0.17254694}]},{"text":"Are you did you buy this new place you are at, or No. are you Just renting?","start_word":1479,"end_word":1495,"intents":[{"intent":"Inquire about purchase","confidence_score":0.0013203048}]},{"text":"are you Just renting? Okay.","start_word":1492,"end_word":1496,"intents":[{"intent":"Inquire about rental process","confidence_score":0.000049155373}]},{"text":"Do you still have those? Mhmm.","start_word":1521,"end_word":1526,"intents":[{"intent":"Inquire about remaining parts","confidence_score":0.020212173}]},{"text":"Well, I got more way more savings now Thousand. because I've Mhmm. got to pay out on a house. Yep.","start_word":1711,"end_word":1730,"intents":[{"intent":"Ask about remaining savings","confidence_score":0.001496146}]},{"text":"I have a 170 Perfect. And are you planning on buying another property later with that, thousand. or are Yeah.","start_word":1740,"end_word":1759,"intents":[{"intent":"Confirm purchase plan","confidence_score":0.033553094}]},{"text":"So with super and insurances, there are quite strict rules and regulation in terms of who you can actually nominate directly if the insurances are held inside super and with your superannuation.","start_word":2092,"end_word":2123,"intents":[{"intent":"Clarify instructions on nomination system","confidence_score":2.4295076e-7}]},{"text":"So I would say the best thing would be to obviously obviously, you have to update the will is to then speak to them about, like, succession or whether you want it to go through your mom, and then she has some stipulations on what to do with the money or whatever it might be so it goes through your kids, you can definitely Okay.","start_word":2418,"end_word":2482,"intents":[{"intent":"Update will","confidence_score":0.88404703}]},{"text":"Otherwise, if you do nominate your children directly, which you can, the only thing would be, obviously, if it goes to your kids and they are 18 and they then end up going to the guardianship. So whether that would be your your ex partner, for example, then, Yeah. obviously, So they it goes would away have anyway. exactly.","start_word":2491,"end_word":2549,"intents":[{"intent":"Nominate children","confidence_score":0.48330325}]},{"text":"would be to definitely go and see a lawyer for the Yeah.","start_word":2558,"end_word":2569,"intents":[{"intent":"Get lawyer information","confidence_score":0.007225978}]},{"text":"Now what I will also do is I will get the team to repost those forms so that you have them so that we can get that updated when you have spoken to the lawyer as well to change, obviously, from April through whether that is through the will or however you want to structure that. Sure thing.","start_word":2647,"end_word":2704,"intents":[{"intent":"Repost documents","confidence_score":0.0029212988}]},{"text":"So I was talking to you about, like, maybe using getting you to look after some of the money financially is to, you know, put it the same way that I have my super that For I have your personal investments? yeah. Mhmm. Is there, like, a an as limited amount to, like, that you guys would then manage, or, like, what would be the minimum? Yeah.","start_word":2737,"end_word":2803,"intents":[{"intent":"Manage money","confidence_score":0.244482},{"intent":"Manage finances","confidence_score":0.05522947}]},{"text":"There are limitations on which type of investments we would look at. So it kind of depends.","start_word":2809,"end_word":2825,"intents":[{"intent":"Discuss investment options","confidence_score":0.22684684}]},{"text":"bonds are very different. So it's it's kind of confusing because you call it an investment bond, but it has actually nothing to do with bonds per se. So Oh, an okay.","start_word":3180,"end_word":3211,"intents":[{"intent":"Explaining investment bond benefits","confidence_score":0.026249392}]},{"text":"But let's say you want to retire at 50, but, obviously, you can't get income stream from your superannuation.","start_word":3553,"end_word":3571,"intents":[{"intent":"Discuss retirement planning","confidence_score":0.0026824202}]},{"text":"If you if you need to make contact, otherwise, you can just call the office, and you will be put through to her anyway. But I will put a little reminder in two months' time to get her to give you a call to talk about the investments and kind of touch base and see how you're going and if you're ready to have a look at it then or, obviously, depending Yes.","start_word":3914,"end_word":3986,"intents":[{"intent":"Discuss investments","confidence_score":0.0038652557}]},{"text":"So then we could have a look at that for you from, like, a from a a more like a cash flow wise, whether it makes sense in terms of if it's a good investment because, obviously, we are not property experts in terms of what type of investments would be best or what is good.","start_word":4285,"end_word":4340,"intents":[{"intent":"Review investments","confidence_score":0.016754545}]},{"text":"And, yeah, so, definitely, if you have all that information, then it's always something you can send through to us, and we can have have a look through kind of that that property advice side of it. If you've Yeah.","start_word":4565,"end_word":4604,"intents":[{"intent":"Provide information","confidence_score":0.028571514}]},{"text":"already kind of found a property that you are wanting and, obviously, the the lender has, from at least a numbers point of view, says it's viable, then we can definitely have a look at that. So when I send you Jenna's details, you can always just respond to that email as well if you do have anything. And, again, I will kind of talk her through what we've discussed today. Yeah.","start_word":4606,"end_word":4677,"intents":[{"intent":"Discuss property","confidence_score":0.1561559}]},{"text":"So when I send you Jenna's details, you can always just respond to that email as well if you do have anything. And, again, I will kind of talk her through what we've discussed today. Yeah. For sure.","start_word":4641,"end_word":4678,"intents":[{"intent":"Provide information","confidence_score":0.0038967014}]},{"text":"So with your risk profile, has anything changed for you, or are you still comfortable remaining in that high growth portfolio, or what are you kind Yeah.","start_word":4726,"end_word":4752,"intents":[{"intent":"Discuss risks","confidence_score":0.04076534}]},{"text":"thinking? That's that's that's fine. I'm happy with Yep. that.","start_word":4755,"end_word":4764,"intents":[{"intent":"Confirm understanding","confidence_score":0.032875407}]},{"text":"Now, David, do you have access to your emails at the moment by any Yep. chance?","start_word":4768,"end_word":4783,"intents":[{"intent":"Provide access to documents","confidence_score":0.043485813}]},{"text":"And when we spoke last time during annual review, it was at a 113,944. So it's done pretty good given the market conditions in the the last twelve months, so quite happy with that.","start_word":4906,"end_word":4939,"intents":[{"intent":"Provide monthly review","confidence_score":0.0010901616}]},{"text":"monthly benefit of 5,221. That's thirty day waiting period, which is good that it is the lowest.","start_word":4977,"end_word":4993,"intents":[{"intent":"Provide monthly benefit","confidence_score":0.19627404}]},{"text":"And you do have it for five years. Hopefully, you don't have to be off work for very long, but you do have that running for for five years as well, Sorry.","start_word":5019,"end_word":5050,"intents":[{"intent":"Discuss retirement savings","confidence_score":0.00014573209},{"intent":"Discuss retirement requirements","confidence_score":0.000018751498}]},{"text":"The only thing is if your policy is indexed, then what it might mean that if you remain on claim for a long period of time, it might go up just with, like, inflation, but it won't go down. Okay.","start_word":5072,"end_word":5111,"intents":[{"intent":"Explain policy coverage","confidence_score":0.1310684}]},{"text":"The only thing is if your policy is indexed, then what it might mean that if you remain on claim for a long period of time, it might go up just with, like, inflation, but it won't go down. Okay. Sweet.","start_word":5072,"end_word":5112,"intents":[{"intent":"Provide policy details","confidence_score":0.056515787}]},{"text":"So with the the ClearView policy we have, it's a flat 70% for the duration of the five years. So it doesn't Okay.","start_word":5141,"end_word":5163,"intents":[{"intent":"Explain policy duration","confidence_score":0.028465612}]},{"text":"You do get that little tax rebate. So all three is 2,873 from hub twenty four for you.","start_word":5177,"end_word":5194,"intents":[{"intent":"Explain tax rebate","confidence_score":0.13154873}]},{"text":"But, essentially, it does give you a a breakdown over the last twelve months. So it breaks down all your individual investments, how they have performed, how much you have in each option over the last twelve months net of fees.","start_word":5251,"end_word":5291,"intents":[{"intent":"Inform about savings on investments","confidence_score":1.2772851e-7}]},{"text":"Now this one here looks a little bit more extensive than usual, and the reason being is that we did do advice for you back in November. So, obviously, within the last twelve months, we had those investment changes that we went through.","start_word":5292,"end_word":5334,"intents":[{"intent":"Explain investment changes","confidence_score":0.018432418}]},{"text":"The good thing is, though, that the one investment that was underperforming, which was the Benelung Australian Equity, we completely sold out of last year, which was great. But Yep. you can basically see all the other investments that have done really good. And like I said, overall in the twelve months, and that is, again, with the changes we have made and the market condition, it's still up after fees by 9.07%. Sorry.","start_word":5346,"end_word":5419,"intents":[{"intent":"Explain portfolio performance","confidence_score":0.011394611}]},{"text":"Now there is no changes whatsoever in regards to the fee structure for you, David. It stays exactly the same at 1.65 from super, so no changes in regards to that.","start_word":6041,"end_word":6071,"intents":[{"intent":"Discuss fee structures","confidence_score":0.00038552436}]},{"text":"And it is also not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But by signing this document here, because it will ask for your little signature if you are happy to do so, It just allows us to manage all your investments and everything for you in the meantime. Yes. Yep.","start_word":6073,"end_word":6138,"intents":[{"intent":"Organize investments","confidence_score":0.012576856}]},{"text":"And I'm like, you gotta get it managed. Yeah.","start_word":6458,"end_word":6466,"intents":[{"intent":"Guide contact manager","confidence_score":2.4086262e-7}]},{"text":"I will pass that on to our onboarding team. I will get them to send her a little email, and then they can kind of tie up a time that works best for her.","start_word":6786,"end_word":6819,"intents":[{"intent":"Assist with onboarding","confidence_score":0.00987703}]},{"text":"obviously no obligation, and it's only after if she is happy to go ahead that there would then be, obviously, the fee. So everything up until she decides if she wants to come on board is completely complimentary. Oh, for Yeah.","start_word":6886,"end_word":6926,"intents":[{"intent":"Provide information","confidence_score":0.009736274}]},{"text":"I don't know if he fully followed through with it or I I might need the first name as well, but, usually, we do if it is that a client because, obviously, we note down right away Yeah.","start_word":6976,"end_word":7013,"intents":[{"intent":"Follow up on referral","confidence_score":0.058368698}]},{"text":"And if it was that the person who you referred did sign on, usually, we would have sent through the certificate right away. So as soon as a client does sign sign on, we will send you that gift card.","start_word":7070,"end_word":7109,"intents":[{"intent":"Seek confirmation and confirmation of signature","confidence_score":8.413614e-8}]},{"text":"So as soon as a client does sign sign on, we will send you that gift card. I will Yeah.","start_word":7093,"end_word":7112,"intents":[{"intent":"Arrange gift card","confidence_score":0.0011177215}]},{"text":"Do you know which type of trust structure?","start_word":7384,"end_word":7391,"intents":[{"intent":"Discuss trust structure","confidence_score":0.14282775}]},{"text":"So often, some people just have a property, and then they have the minimum cash associated with whatever product. So whichever platform Alright. they use for, obviously, the cash flow and everything with the self managed super fund, They sometimes have a minimum balance. Like, we'd have 24 even with your account, they have a minimum of of 1.25% that has to be in cash Yep.","start_word":8255,"end_word":8320,"intents":[{"intent":"Determine funds needed","confidence_score":0.00002082679}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. It Is this David? is. This is Veronica from OC Financial. How are you?","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.1428229659795761},{"text":"Good.","start_word":17,"end_word":17,"sentiment":"positive","sentiment_score":0.4061378240585327},{"text":"How are you? Yeah.","start_word":18,"end_word":21,"sentiment":"neutral","sentiment_score":0.27677983045578003},{"text":"Good. Thank you. I had you booked in to go over your annual review. Is now still a good time for you?","start_word":22,"end_word":43,"sentiment":"positive","sentiment_score":0.4661111831665039},{"text":"Mhmm. There it Yep. is.","start_word":44,"end_word":48,"sentiment":"neutral","sentiment_score":0.10600616782903673},{"text":"Perfect.","start_word":49,"end_word":49,"sentiment":"positive","sentiment_score":0.5033884048461914},{"text":"Now, David, before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Yep. Perfect. And just to confirm I am speaking with the right person, could I just get you to confirm your full name, date of birth, and address, please? Yep. It's David Andrew Eastman. Six zero third nineteen eighty eight. Yep. And my address is 16 Old Northern Road in Avenue Park. Yep.","start_word":50,"end_word":132,"sentiment":"neutral","sentiment_score":0.06067910045385361},{"text":"Perfect. That's exactly what I have here.","start_word":133,"end_word":139,"sentiment":"positive","sentiment_score":0.4752477407455444},{"text":"Now before I just kind of jump into the under review as well, just wanted to obviously see how you are going with everything. My colleague, Caden, obviously mentioned that you are kind of going through looking at that IP claim with him with Clearview at the moment and that you are off work. Is that correct? Hang on. Yeah. Yep. And how how long have you been off work for now? Oh, just this just this last four days. Okay. Four days. And But did you get they said old it's yeah. sorry? What did you say? Sorry, David. Oh, I just said yeah. They said that it's gonna be, like, a six week and Okay. I did ask him if he if there's a thirty day waiting period. It's Yes. Whether they back pay over those thirty days or they're still not So the this thirty day waiting period means that you have to be off work for thirty days before you can start claiming on the policy. Now it is typically also paid fifteen sorry, thirty days in arrears. That will be back paid. It will But be. the that the the second lot, not the first, because you have to wait for that thirty days before it kicks in. So, basically, you have to have been off work for thirty days before you qualify. And then once you've been off work for thirty days, you qualify to make the claim, and then we can kind of put that in, to get the payment sorted for you. With the monthly payment, it is paid thirty days in arrears. So that means that the payment will kick in thirty days after the thirty day waiting period, if that makes So I'm gonna be off work, basically, sixty sense. days to get paid for thirty. You you Is don't that what have you're to saying? have been off you don't have to have been off work for sixty days. It's just back paid. So if you are off, let's say, forty days, yes, the Yep. payment won't kick in until sixty days, but you will still be paid for those ten days past the thirty days.","start_word":140,"end_word":506,"sentiment":"neutral","sentiment_score":-0.06819307848770546},{"text":"It is just kind of lagging a little bit, if that Okay.","start_word":507,"end_word":518,"sentiment":"negative","sentiment_score":-0.43588680028915405},{"text":"makes sense. Yeah. Right. Okay. Alright. So did, kind of, Caden go through and send you all the information and everything needed? He said he's he's posting it. Yes. Okay.","start_word":519,"end_word":548,"sentiment":"neutral","sentiment_score":0.08257390558719635},{"text":"Perfect.","start_word":549,"end_word":549,"sentiment":"positive","sentiment_score":0.4569408893585205},{"text":"Yep. And I think he expressed posted it as well. So, hopefully, Yep. if you're in Queensland, it shouldn't be too far off. Obviously, keep a lookout for those documents. And if you have any issues completing it or any questions, just give us a call so then we can kind of help you through the process as quickly as possible. Okay. Yep. So you said about six weeks recovery, and it's kind of a is it a hamstring injury? Yeah. Yep. Okay. And at the moment, are you guys are you okay financially? Are you really struggling? Obviously, you won't have your income for a while kind of cash flow wise. They allow me to use personal leave at the moment. Okay. And do you know how much you have saved at all? No. Better Just the check ten them out days? because they don't put them on your Okay. payslip. Yes. No. Makes it hot. So Okay. Well, oh, yeah. Wait a minute. do you know if you have much, like, annual leave or anything you could use if need be? I have I have Yeah. oh, Okay. let's see.","start_word":550,"end_word":741,"sentiment":"neutral","sentiment_score":-0.006804087955970317},{"text":"That's good.","start_word":742,"end_word":743,"sentiment":"positive","sentiment_score":0.47810736298561096},{"text":"Okay.","start_word":744,"end_word":744,"sentiment":"neutral","sentiment_score":0.3049100637435913},{"text":"That's good.","start_word":745,"end_word":746,"sentiment":"positive","sentiment_score":0.4107157289981842},{"text":"No. Yeah. Hopefully I don't wanna be use yeah. I wanna be using a router for the half day. no. No. Exactly. And are you seeing a a physio or anything for recovery as Too. well? Yeah. Yeah. Yeah. Okay. So Okay.","start_word":747,"end_word":788,"sentiment":"neutral","sentiment_score":-0.0492793470621109},{"text":"That's that's good.","start_word":789,"end_word":791,"sentiment":"positive","sentiment_score":0.3698047399520874},{"text":"that's how I process with the the physio. But I will be going to get a doctor's appointment once those paperwork comes as well Yep. because he said he'll need that phone. Yes. Yep. Perfect. No. That's good.","start_word":792,"end_word":829,"sentiment":"neutral","sentiment_score":0.12059011310338974},{"text":"Now I know Caden is working with you on on that, so that's good.","start_word":830,"end_word":843,"sentiment":"positive","sentiment_score":0.48938605189323425},{"text":"Obviously, let us know how it's all going. We're trying to make it, obviously, as quick as we can for you and trying to get that claim sorted. If it is that you need any, you know, cash flow and budget, which obviously is is a bit hard, but if that's something you need assistance with as well, just let us know, and we can always send you some of my cash Sure. loan budget to see if there's anything we can do in that in that area for you. Yep. Okay. Perfect. Perfect. Now I won't try to go through I spent too much of your time today, David. Yep. But, essentially, what I want to do is just kind of quickly go through a bit of a fact find to see if there's anything major that has changed since we spoke last time if we do need to make any changes to your advice otherwise. So just kind of bear with me as I run through this. Now when it comes to your personal information, I have you down here as single with True Financial Dependents. Is that correct? Well, I don't know how you classify financial dependence as because I don't have them all the time. And Do they still are they still with you sometimes? Like, are you providing for any three financial for three support days. for three days? Yeah. Yep. No. No. No. I would still say that they Yeah. are Whereas whereas with banks and stuff, you don't I essentially don't have yes. independence Yeah. because I'm not No. the primary caregiver. Yep. Yep. No. Usually, for us, it's more so like, it doesn't matter too much. It's more so just making sure that everything is like, from, like, an insurance point of view and everything like that, it's that if something were to happen to you at the moment, you still have some financial Oh, yeah. dependency. Like, they are still relying on you financially. Sorry. Whatever Yeah. capacity that that would mean, it's still to me, well, you are still they're still needing your financial support. You know? Yeah. For sure. Yeah. Okay. Now next up, Ken, I have your mom, I believe, Elizabeth nominated. That's still the case as well? Yeah. Yeah. That will Yep. do for now. Yep. And her phone number hasn't changed. It still No. ends in 3. Yep. Perfect. Now, obviously, you are off work at the moment, but before you kind of stopped working about four days ago, are you were you still kind of doing the same occupation otherwise? Like, you're still employed and working as a leading hand? You're just off work at the moment? No. They do have me in a different position. Okay. I am a die setter now, so I'm changing the tooling of of the machines. Okay. Beautiful. And how were you finding that? Yeah. It's not too bad. It's Yeah. just another area to be doing. So I think yeah. I've done Beautiful. everything now rather than price fix production manager. Yep. Perfect. And so still with the same company, though? Yeah. Yep. Perfect. And that's also full time you were working? Sorry? That was also full time that you're employed Yeah. in Yeah. that capacity? Yeah. Perfect. Now income, I have at a 100,000. Is that still the case? Do you know? Does I that think change? I could put up to, like, 100 Oh, beautiful.","start_word":844,"end_word":1422,"sentiment":"neutral","sentiment_score":0.01636586599824033},{"text":"I'll update that. and 5. Perfect.","start_word":1423,"end_word":1428,"sentiment":"positive","sentiment_score":0.4847044050693512},{"text":"And when it comes to assets and liabilities, I do wanna check because last time we spoke, the property was still to be split between you and your ex partner. Yep. So did you guys obviously sell that one, and, obviously, you have a new address now? Yep. Yep. Okay. Are you did you buy this new place you are at, or No. are you Just renting? Okay. Perfect. So, obviously, renting. the mortgage and the property is gone, so I will update that. Motor vehicle add two motor vehicles at 60,000. Do you still have those? Mhmm. No. So I've got I've got Mhmm. one. She ended up having the other one, but then Okay. crashed it anyway. But anyways, it's this one. I think it's value mark value is 18. 18. Okay. Perfect. And anything owing on the motor vehicle? Oh, yeah. The other sorry. The other car is my project car. Yeah. That's No. on my mom's. Yeah. Okay. No. That's all good. And how much is that one worth? Hard to tell because it's not running, but the parts are, yeah, probably about 20 or 30,000. Yep. Would you say closer to 30 or close to 20 Yeah. Probably or, like, 20 probably yeah. If I was to strip it off and sell it, it'd be, yeah, about 30,000. 5? Alright. Perfect. Now anything owing on either of them? I think I have, like, three jobs left on the Okay. And that was line. is that on the $18 one or the the Yeah. parts? Yep. $18. Okay. Perfect. Now I also have tools of about $5,000. Yeah. That's fine. Yeah. Yep. And then also savings about 4,000. Well, I got more way more savings now Thousand. because I've Mhmm. got to pay out on a house. Yep. Do you know roughly how much you have? Yeah. I have a 170 Perfect. And are you planning on buying another property later with that, thousand. or are Yeah. you just Maybe, kind of like, keeping a holiday it? stay. Oh, yes. Just like a a PDR kind of all it holiday stay at the Gold Coast. Yeah.","start_word":1429,"end_word":1788,"sentiment":"neutral","sentiment_score":0.020500051375064585},{"text":"Yeah. Lovely. There's a couple at the man that seem to be having a good revenue Yeah.","start_word":1789,"end_word":1805,"sentiment":"positive","sentiment_score":0.42307671904563904},{"text":"with the cost of it.","start_word":1806,"end_word":1810,"sentiment":"neutral","sentiment_score":0.2104545533657074},{"text":"Perfect.","start_word":1811,"end_word":1811,"sentiment":"positive","sentiment_score":0.5221395492553711},{"text":"So that would kinda be like an investment property? So sorry? Would that kind of be an investment property for Yeah. you Absolutely. or more Yeah. like You can't yeah. you can't live in that. But yeah. Yeah. Okay. Perfect. So investment Yeah. property.","start_word":1812,"end_word":1855,"sentiment":"neutral","sentiment_score":0.009319480508565904},{"text":"That's great.","start_word":1856,"end_word":1857,"sentiment":"positive","sentiment_score":0.6211515069007874},{"text":"Any other assets otherwise we haven't gone through, David. I do have about $10 stocks at the moment. Yep. Perfect. And is that just kind of on a platform, or how are you investing in Yeah. That's in that? the platform. Yeah. Okay.","start_word":1858,"end_word":1900,"sentiment":"neutral","sentiment_score":0.09532474726438522},{"text":"Beautiful.","start_word":1901,"end_word":1901,"sentiment":"positive","sentiment_score":0.37615054845809937},{"text":"Anything else? No. That's that's about That's perfect. Now health and lifestyle, obviously, aside from hamstring at the No. private health insurance? No. When it comes to estate planning, I know you had a will before. Do you know if that's been updated with the change in No. circumstances? I know you sent through stuff, but I haven't Yeah. That's okay. I'll just put on the to do list. Sometimes yeah. life gets gets Yeah. in The list the way. is long at Yeah. No. That's all good. Now I do the wanna moment. check as well, sorry, when it comes to your insurance and your superannuation. At the moment, we have April nominated. Would Yeah. you That's want to change I mean, that? that was a I think that was a part of what I was supposed to do to change that. Yep. Yeah. I think I was maybe I was gonna put down my mom so then she would do the, like, a guardian, I guess, of that money for the kids. You you can. The only way is we would have do it a bit differently. So with super and insurances, there are quite strict rules and regulation in terms of who you can actually nominate directly if the insurances are held inside super and with your superannuation. So under the CIS Act, you can only nominate a spouse, a child, or someone who are financially dependent on you or you are in a interdependency relationship. Basically, to qualify for that, it must be someone who you who must remain financially dependent on you at the time of your passing. You need to have a Okay. close relationship, living together, providing, like, financial, domestic, and personal care support. So Okay. if And then I'll probably you need paperwork written up to say. Yep. Okay. sorry. But you can still sorry. If, for example, your mom doesn't classify in that like, if you don't wanna give it to your children and you want it to go, like, through your through your mom, you can still do it, but the way that we would have to change the nomination is that you would then select a legal personal representative. Basically, what that means is that it reverts back to the will. Then in your will, you can step stipulate exactly what you want. You can say that you want your insurances to go to this person or to to these people. Like, you can you can nominate whoever you want to. It would just have to go through the estate because otherwise, super insurance does not form part of the estate. Okay. Does that make Is sense, that something David? that I could set up with like, get advice from you guys to do? Or To to set it up. yeah. So because it's a legal nominations, and, obviously, we can we can guide you in the the how the structure works. But in terms of Uh-huh. setting it up because it's because I'm not a Yeah. lawyer, I Yes.","start_word":1902,"end_word":2412,"sentiment":"neutral","sentiment_score":0.00945036700122977},{"text":"can't do that.","start_word":2413,"end_word":2415,"sentiment":"negative","sentiment_score":-0.6001579761505127},{"text":"Okay. So I would say the best thing would be to obviously obviously, you have to update the will is to then speak to them about, like, succession or whether you want it to go through your mom, and then she has some stipulations on what to do with the money or whatever it might be so it goes through your kids, you can definitely Okay. do do that. That will be the best way. Otherwise, if you do nominate your children directly, which you can, the only thing would be, obviously, if it goes to your kids and they are 18 and they then end up going to the guardianship. So whether that would be your your ex partner, for example, then, Yeah. obviously, So they it goes would away have anyway. exactly. So I think the Yeah. best thing Right. would be to definitely go and see a lawyer for the Yeah. kind of Yep. make sure Okay. everything is For sure. set For sure. up correctly and that Okay. it goes exactly how you want it. Okay. Do you know a lawyer? Do you know someone who knows someone close by, or would you want us to send you that information again? Yeah. Maybe if we Yeah. can send that. Yeah.","start_word":2416,"end_word":2629,"sentiment":"neutral","sentiment_score":0.08427067417825494},{"text":"Beautiful. Yeah. We can get that sorted.","start_word":2630,"end_word":2636,"sentiment":"positive","sentiment_score":0.4675951600074768},{"text":"I'll get the team to email that to you. Uh-huh. Now what I will also do is I will get the team to repost those forms so that you have them so that we can get that updated when you have spoken to the lawyer as well to change, obviously, from April through whether that is through the will or however you want to structure that. Sure thing. Yeah. Any questions in regards to any of that? No. No. That's No? makes sense. Yep. Perfect. Okay. So I think last was I talking to you last year? Mhmm. Yes. Okay. So I was talking to you about, like, maybe using getting you to look after some of the money financially is to, you know, put it the same way that I have my super that For I have your personal investments? yeah. Mhmm. Is there, like, a an as limited amount to, like, that you guys would then manage, or, like, what would be the minimum? Yeah. So yes and no. There are limitations on which type of investments we would look at. So it kind of depends. There's a lot of different ones we could look at depending on what you are interested in. So, Mhmm. for example, if you wanted to look at a just personal investment account to make it kind of affordable and make it worth it for you as well, obviously, with the fees. Typically, some of them do have a 20,000 limit on it, like a minimum to set it up. Oh, yeah. For sure. I wouldn't I wouldn't expect anything less, to be honest. No.","start_word":2637,"end_word":2908,"sentiment":"neutral","sentiment_score":0.07620121374288026},{"text":"That's so good.","start_word":2909,"end_word":2911,"sentiment":"positive","sentiment_score":0.4118649959564209},{"text":"On the other side, if you were looking at going down, like, investment bond route, there there's you can literally have $2 as a starting point, and Alright. we could still manage that. So it Mhmm. kind of depends on what your goals are, the purpose behind the investment, and what you are wanting to do, then we can most definitely have a look at that for you. Is that because there's a kick a kickback with for investing in bonds? Like, that it can be cheaper? Like yeah. Why like, Why investment so bonds? yeah. Is it because it's, Yes. like, less less management fee for that? Or It's it's different. And it's so each product so depending on which product we would look at. So each kind of provider have different mhmm. rules. So for example, with Hub twenty four, they have personal investment accounts. They have a limit saying that you have to have 20,000 to set it up. The same is with, like, Macquarie if Yeah. you were Of to course. do Of course. investment Yep. con. So Yep. it's more I that I get I get I get what you mean because of the the the laws on yeah. I get it. it's, like, each product provide but with an investment bond because that's a I don't do you know much about investment Not particularly, but I have been looking I have been, like, researching in day trading and stuff and to if it goes through, like, say, US markets and stuff, you'd you need that bonds? minimum of $20,000. So investment Okay. bonds are very different. So it's it's kind of confusing because you call it an investment bond, but it has actually nothing to do with bonds per se. So Oh, an okay. investment bond is another form of kind of an investment vehicle. It is classified as a insurance product, so it does fall under different kind of rules, which is what makes it so tax effective. So investment bonds is something we do for a number of clients as well if they are Mhmm. looking at a little bit longer time frame. So, again, there's a lot of a range of different investment bond products. But how it is is that you basically have a investment bond set up, and within the bond, you can have, like, shares. You can have managed portfolios. Like, you can have a range of different investments depending on which kind of option you would look to go down through. Yes. And how it's tax effective is so a minimum time frame to make it very tax effective is usually ten years. So it would be dependent on how your long term like, how long term you're wanting these investments. But Mhmm. if, for example, you wanted to, let's say, have a ten year time frame, the way that the investment bonds make it quite competitive is that with a personal investment account, so similar to your stocks that you have now, you will obviously, any dividends and stuff that you earn will be added to your taxable income that you have to pay tax on. If you sell investments, you obviously have to pay capital gains tax personally. Now within the investment bond, it does it kind of gets taxed at a discounted rate within the bond itself, so Uh-huh. it's not added to your taxable income. And if you've had it for ten years, if you were to sell it then, there is no capital gains tax associated at all. So it Yeah.","start_word":2912,"end_word":3510,"sentiment":"neutral","sentiment_score":0.11580125696472016},{"text":"makes Right. it very tax effective for long term investments.","start_word":3511,"end_word":3520,"sentiment":"positive","sentiment_score":0.5307900905609131},{"text":"Yeah. Other ways that some people use an investment bond is if you for example, at the moment, with the current Right. legislation, you can't access super until you turn 60. But let's say you want to retire at 50, but, obviously, you can't get income stream from your superannuation. A lot of people, if they do have that ten year time frame, if they set up an investment bond, then after ten years, you can start drawing an income from that investment bond, which is tax free. And then, obviously, you can kind of draw an income that way before you could potentially start accessing your superannuation. A lot of people also use it for a investment for children. So there's also, like, child bonds, which, again, you can invest for children. And then after ten years, they can get everything tax free as well. So there's, like, a lot of different ways you can look at, again, I see. depending on your time Yep. Okay. Yeah. I kinda just wanted it to be the same kind of setup as what yeah. It's in that within this this super account. frame. So Mhmm. it's it's It's kind of little bit been different. Yeah. doing not And, too bad. you know, it's actually going pretty good given the market conditions we've had. Yeah. Okay.","start_word":3521,"end_word":3744,"sentiment":"neutral","sentiment_score":0.07495004846714437},{"text":"So that's great.","start_word":3745,"end_word":3747,"sentiment":"positive","sentiment_score":0.531626284122467},{"text":"Now Yep. with the personal investments, is that something you are wanting to look at now, or are you wanting to kind of when things have sorted itself out with, obviously, the IP claim, if you're back at work and a bit more certainty with cash flow you want to look at? Yeah. Yeah. Yeah? So Yeah. what I So can probably in a month month or so. month or Maybe two? Yeah. two.","start_word":3748,"end_word":3821,"sentiment":"neutral","sentiment_score":0.07384941726922989},{"text":"Beautiful.","start_word":3822,"end_word":3822,"sentiment":"positive","sentiment_score":0.4652034640312195},{"text":"Now what I can do so I do wanna let you know that on a personal note, I will actually be going on maternity leave in two weeks.","start_word":3823,"end_word":3850,"sentiment":"neutral","sentiment_score":0.1912543773651123},{"text":"Oh, wow. Congratulations. Thank you very much.","start_word":3851,"end_word":3857,"sentiment":"positive","sentiment_score":0.5416395664215088},{"text":"But my colleague Jenna will kind of take over from me. So I'm doing a big handover with her, and everything we've spoken about today, I will brief her on. Yep. I will also send you a a separate email probably sometime next week with her Okay. direct contact details so that you have it. If you if you need to make contact, otherwise, you can just call the office, and you will be put through to her anyway. But I will put a little reminder in two months' time to get her to give you a call to talk about the investments and kind of touch base and see how you're going and if you're ready to have a look at it then or, obviously, depending Yes. on the injury and how you're going would work, whether you wanna hold off or get. Okay. Yep. Okay.","start_word":3858,"end_word":4004,"sentiment":"neutral","sentiment_score":0.09741688433553086},{"text":"Beautiful.","start_word":4005,"end_word":4005,"sentiment":"positive","sentiment_score":0.5673162341117859},{"text":"Any questions with any of that? No. That's that's No. pretty good. Yeah. Alright.","start_word":4006,"end_word":4019,"sentiment":"neutral","sentiment_score":0.07956548780202866},{"text":"Alright. Perfect. So let us let us know how things have been going.","start_word":4020,"end_word":4032,"sentiment":"positive","sentiment_score":0.4685293734073639},{"text":"Yes. Yep.","start_word":4033,"end_word":4034,"sentiment":"neutral","sentiment_score":0.2936530113220215},{"text":"Definitely will.","start_word":4035,"end_word":4036,"sentiment":"positive","sentiment_score":0.4965612590312958},{"text":"Now anything else that you need help with or any other goals that you have at the moment, David? I guess, like, I was I was looking at those apartments. Mhmm. Yeah. I just I haven't pulled the trigger on it yet. I just Yep. need to do more Yep. of the numbers. Is that something that I could, like, come in to you guys with and show you and get some advice on it? Or It's it's a bit of a we can definitely assist you with it. So it's kind of where it falls into the category between both us and a mortgage broker. So, obviously, a mortgage broker have you dealt with a mortgage broker before? Yeah. Yeah. So, obviously, they would obviously, because we don't we can't do lending. So they would obviously run the numbers on how much you can borrow, borrow capacity, and how all of that Oh, yeah. looks Yeah. like. Of course. Of course. Yes. I Okay. was Beautiful. more From a cash flow point of view? seeing how it sound how it sound. It was what you guys been doing. Yes. And we we can definitely have a look at it. So if you obviously have the numbers, make sure it's doable financially. Obviously, if it's positively or negatively geared depending on what the structure and stuff Definitely is. be positive. I'll stay away from negative here. Yep. Especially with the changes in budget as well. Mhmm.","start_word":4037,"end_word":4282,"sentiment":"neutral","sentiment_score":0.0850963084617766},{"text":"Alright. Perfect.","start_word":4283,"end_word":4284,"sentiment":"positive","sentiment_score":0.48023757338523865},{"text":"So then we could have a look at that for you from, like, a from a a more like a cash flow wise, whether it makes sense in terms of if it's a good investment because, obviously, we are not property experts in terms of what type of investments would be best or what is good. Then often you would have, like, what do you call it, a buyer's agent or something like that to obviously have a expert in the areas of what you are looking for in terms of the sound investment. But if you have, like, the papers and everything, you can always send it through to us. We can have a look at it and then have Oh, yeah. a bit of a Full, chat like, to you. double sheet for you. Yes.","start_word":4285,"end_word":4421,"sentiment":"neutral","sentiment_score":0.15813855826854706},{"text":"You have How beautiful.","start_word":4422,"end_word":4425,"sentiment":"positive","sentiment_score":0.47305774688720703},{"text":"Yeah. That would be Yes.","start_word":4426,"end_word":4430,"sentiment":"neutral","sentiment_score":0.2145365923643112},{"text":"great.","start_word":4431,"end_word":4431,"sentiment":"positive","sentiment_score":0.3433648347854614},{"text":"But But, yeah. yeah, No. we can Like all yeah. yeah. They're about, I think, they're about 230,000, and the gross is, like, That's the pretty last good. couple of years have been about 45 a year. Oh, yeah. So then, And where you did know, you body say it pay. was? Where did you say they were? They were on somewhere on the Gold Coast. Yeah. Yeah. At the Gold Coast. Oh, yeah.","start_word":4432,"end_word":4505,"sentiment":"neutral","sentiment_score":0.01038939133286476},{"text":"Nice. Perfect.","start_word":4506,"end_word":4507,"sentiment":"positive","sentiment_score":0.4156970977783203},{"text":"Yeah. And then, you know, with Body Corporate, you know, it takes Mhmm. about 14 off. The mortgage Yep. would probably be about 12. And then Yep. yeah. Yeah. Then seems to seems to positively cash flow, like, about 18 Mhmm. thousand. So, Yeah. like, That's not maybe, like, a 60,000 dollars down. yeah. No.","start_word":4508,"end_word":4562,"sentiment":"neutral","sentiment_score":0.0881466269493103},{"text":"That's good.","start_word":4563,"end_word":4564,"sentiment":"positive","sentiment_score":0.33877965807914734},{"text":"And, yeah, so, definitely, if you have all that information, then it's always something you can send through to us, and we can have have a look through kind of that that property advice side of it. If you've Yeah. already kind of found a property that you are wanting and, obviously, the the lender has, from at least a numbers point of view, says it's viable, then we can definitely have a look at that. So when I send you Jenna's details, you can always just respond to that email as well if you do have anything. And, again, I will kind of talk her through what we've discussed today. Yeah. For sure. Yep. Okay.","start_word":4565,"end_word":4680,"sentiment":"neutral","sentiment_score":0.1909828782081604},{"text":"Beautiful.","start_word":4681,"end_word":4681,"sentiment":"positive","sentiment_score":0.5594298839569092},{"text":"Now, otherwise, when it comes to, obviously, your super and your insurances, at the moment, we have you invested in that high growth portfolio. I know Mhmm. last year, we did some advice and kind of went through everything in a lot of detail. So with your risk profile, has anything changed for you, or are you still comfortable remaining in that high growth portfolio, or what are you kind Yeah. of No. thinking? That's that's that's fine.","start_word":4682,"end_word":4759,"sentiment":"neutral","sentiment_score":0.03964653238654137},{"text":"I'm happy with Yep. that.","start_word":4760,"end_word":4764,"sentiment":"positive","sentiment_score":0.45311784744262695},{"text":"Yep. Okay.","start_word":4765,"end_word":4766,"sentiment":"neutral","sentiment_score":0.17356400191783905},{"text":"Beautiful.","start_word":4767,"end_word":4767,"sentiment":"positive","sentiment_score":0.4000126719474793},{"text":"Now, David, do you have access to your emails at the moment by any Yep. chance? Yep. Okay. Beautiful. So I have to send you an email with some documents to run through if you could access that for me. Hold on. Let me just And it should come directly from me. And we have changed the software, so it might look a little bit different to what you are used to. It's kind of the same, though, where it says request signature or sign documents or something. And then it will just ask you to click on a link, Yep. and that link will open up all the documents for you. Yep.","start_word":4768,"end_word":4880,"sentiment":"neutral","sentiment_score":0.05966738238930702},{"text":"Perfect.","start_word":4881,"end_word":4881,"sentiment":"positive","sentiment_score":0.3388666808605194},{"text":"Now let me know if you can see the first one where it says summary of super and insurances. Yes. A 131,000. Yep. 206. And when we spoke last time during annual review, it was at a 113,944. So it's done pretty good given the market conditions in the the last twelve months, so quite happy with that. Now underneath it, you have your Clearview insurances. So you have your life and total permanent disability insurance, and you have 879,187. And then you can see your income protection policy there, which is that No.","start_word":4882,"end_word":4975,"sentiment":"neutral","sentiment_score":0.15219421684741974},{"text":"monthly benefit of 5,221. That's thirty day waiting period, which is good that it is the lowest.","start_word":4976,"end_word":4992,"sentiment":"positive","sentiment_score":0.5205405950546265},{"text":"Sometimes you can have, like, sixty or ninety days, which, obviously, you have Yes. to be off work a lot longer.","start_word":4993,"end_word":5013,"sentiment":"neutral","sentiment_score":0.14906086027622223},{"text":"So so that is good. And you do have it for five years.","start_word":5014,"end_word":5026,"sentiment":"positive","sentiment_score":0.5175788402557373},{"text":"Hopefully, you don't have to be off work for very long, but you do have that running for for five years as well, Sorry.","start_word":5027,"end_word":5050,"sentiment":"neutral","sentiment_score":0.24523140490055084},{"text":"which is good.","start_word":5051,"end_word":5053,"sentiment":"positive","sentiment_score":0.3902398347854614},{"text":"That it won't change the amount as it goes along, like, whichever goes. No. So it will stay. The only thing is if your policy is indexed, then what it might mean that if you remain on claim for a long period of time, it might go up just with, like, inflation, but it won't go down. Okay. Sweet. Yeah. Because we're covered like, it covers 75% for six months, and then it goes down to 60 Yes. five and then 55. No. Not on your policy. So with the the ClearView policy we have, it's a flat 70% for the duration of the five years. So it doesn't Okay. decrease. Yep.","start_word":5054,"end_word":5165,"sentiment":"neutral","sentiment_score":0.049471937119960785},{"text":"Which is good.","start_word":5166,"end_word":5168,"sentiment":"positive","sentiment_score":0.4082634449005127},{"text":"Now those funds are paid from within superannuation. You do get that little tax rebate. So all three is 2,873 from hub twenty four for you. Okay. Yep. Now if you can go to the next document for me, it should be your performance with IRR with Hub twenty four. Yep. Yep. Perfect. Now this one might look a little bit messy, but because you drew some personal investment, it might make a little bit more sense to you, which is great. But, essentially, it does give you a a breakdown over the last twelve months. So it breaks down all your individual investments, how they have performed, how much you have in each option over the last twelve months net of fees. Now this one here looks a little bit more extensive than usual, and the reason being is that we did do advice for you back in November. So, obviously, within the last twelve months, we had those investment changes that we went through. So that's Yep. why there's, like, a little bit more. The good thing is, though, that the one investment that was underperforming, which was the Benelung Australian Equity, we completely sold out of last year, which was great.","start_word":5169,"end_word":5372,"sentiment":"neutral","sentiment_score":0.10918217605235528},{"text":"But Yep. you can basically see all the other investments that have done really good.","start_word":5373,"end_word":5387,"sentiment":"positive","sentiment_score":0.4792434275150299},{"text":"And like I said, overall in the twelve months, and that is, again, with the changes we have made and the market condition, it's still up after fees by 9.07%. Sorry. What was that, babe? So the whole portfolio as a whole, now after fees, it's up by 9.07% Yes. in the last twelve months. But that's also that during the last twelve months, we then swapped you out of some of those investments that weren't performing and put you in other ones. So that's Yeah. even Yeah.","start_word":5388,"end_word":5475,"sentiment":"neutral","sentiment_score":0.1519954353570938},{"text":"within that time frame. So so really happy with that.","start_word":5476,"end_word":5485,"sentiment":"positive","sentiment_score":0.5449532866477966},{"text":"Yeah. It's not bad. Yeah. Now if you want to go through the next document for me, it should be your Vanguard index chart, I believe. The performance with IRR or the this Next is one. the one So the that's performance set again. Okay. yeah. Give me a second. Yep. Oh, the Vanguard. Yep. Yes. Yep. Do you remember seeing this last year? Mhmm. Yep.","start_word":5486,"end_word":5551,"sentiment":"neutral","sentiment_score":0.08103223890066147},{"text":"So it is good.","start_word":5552,"end_word":5555,"sentiment":"positive","sentiment_score":0.42372798919677734},{"text":"It's just a good visual representation of what we are talking about when we're talking about the market. You can see here that, obviously, over the long term, market always goes up. For short term, there will be some ups and downs and market fluctuations. Now Yeah. sometimes you can also see that the biggest drop in the market is then quite closely followed by the incline again, which is good. And how this kind of relates to that high growth portfolio for you is on the right hand side, you have the different asset classes. Now with a high growth portfolio, you do have about 90% invested in a combination of the four. So that is your US shares, which is, like, the light green. You have your Australian shares, which is your dark green, international shares, which is, like, the yellow, and then the property, which is, like, a maroon color. And you can see here that they are the ones that do grow the most, but also fluctuate the most. Yep. And then you do have about 10% in defensive, which is your your cash, your fixed interest, and then gold can kind of come into this as well. Any questions so No. No. far? That's fine. No. All good.","start_word":5556,"end_word":5768,"sentiment":"neutral","sentiment_score":0.09768287680098708},{"text":"Perfect.","start_word":5769,"end_word":5769,"sentiment":"positive","sentiment_score":0.44547754526138306},{"text":"Now the next document should be your ClearView certificate of currency, I believe. Yep. Yep. Now this just breaks down your insurance policies in a bit more detail, but basically lets you know that's all paid and up to date. Now the After your sorry. Go back to before. After your fees and insurances, it's still about 9%. mhmm. 9.07% after that. Yes. So that's just, like, Yeah. the That's growth on your investments. Yes. After fees.","start_word":5770,"end_word":5846,"sentiment":"neutral","sentiment_score":0.07284751534461975},{"text":"That's great. Awesome. Yes. And Very in happy.","start_word":5847,"end_word":5854,"sentiment":"positive","sentiment_score":0.5986745357513428},{"text":"a dollar dollar value, so that is not contribution. That's just, again, growth on your investments that equates to that 13,096. Okay. Yep. Yep.","start_word":5855,"end_word":5878,"sentiment":"neutral","sentiment_score":0.27395862340927124},{"text":"That's awesome.","start_word":5879,"end_word":5880,"sentiment":"positive","sentiment_score":0.5382999181747437},{"text":"Okay. Yep. Perfect. Now the next document, David, should be the Oakview services guide. Yep. Yep. You would have seen this one a couple of times. It is one of those compliance documents, but it does give you all the important information in regards to us here at Oakview. I'll let you have a read over this in your own time. But, basically, all the information in regards to our directors advisers, everything is in there for you. If you do wanna put a face to the voice again, I am on page 10. But, otherwise, I'll let you have a read over that in your own time, which then takes us to your last document, which should be the one where it says consent to ongoing fee arrangements Yep. with hub twenty four. Yeah.","start_word":5881,"end_word":6015,"sentiment":"neutral","sentiment_score":0.09968096762895584},{"text":"So this one here, it's just your ongoing service agreement, which is just to say that you are happy to stay on as a client.","start_word":6016,"end_word":6040,"sentiment":"positive","sentiment_score":0.38208216428756714},{"text":"Now there is no changes whatsoever in regards to the fee structure for you, David. It stays exactly the same at 1.65 from super, so no changes in regards to that. And it is also not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract. But by signing this document here, because it will ask for your little signature if you are happy to do so, It just allows us to manage all your investments and everything for you in the meantime. Yes. Yep. Yep.","start_word":6041,"end_word":6138,"sentiment":"neutral","sentiment_score":0.1289126387208092},{"text":"Perfect.","start_word":6139,"end_word":6139,"sentiment":"positive","sentiment_score":0.6368454098701477},{"text":"Do you have any questions in regards to any of those documents? No. Okay. Perfect. So, basically, when you when you have a moment or if you have the option to do so, it will just ask you to add a little signature on the document that you are in at the moment. But if you're a bit busy sounds like you're a little bit busy at the moment No. I can I or just no? I just signed it now? Ah, perfect. So it should just ask you to add a signature, automatically sends you sets up the date. And then, yeah, when you press validate, it should then load and and back to me. Yeah. It's just Just yeah. is it just loading? Okay. Yeah. So, basically, just kind of recapping that I will get to the team to email you the the lawyer information again, repost the beneficiary form for your super and insurances so we can get that sorted. And I will also put a reminder if we haven't heard from you before in about two months' time for my colleague, Jenna, to reach out to talk a bit more about personal investment options and having a look at any of that kind of property side of things as well for you. Yeah. I Yeah. do have my girlfriend at the moment. She's gone through a divorce and has Mhmm. super in two different areas. But Okay. it's it's it's in the same Australian Retirement Trust that I was before I came with you guys. Yes. Yep. And I said to her, like, you gotta you gotta change it because you Mhmm. never get more than 6%, Yep. like, from those from those guys. And, yeah, before, you know, she was just she was a stay at home mom. She didn't really have Mhmm. much. But now she's got more than Yeah. I do. And I'm like, you gotta get it managed. Yeah. And then so I wanna we're trying to line something up. Yeah. I wanna give you guys her details to then Yes.","start_word":6140,"end_word":6488,"sentiment":"neutral","sentiment_score":0.080592579734018},{"text":"contact That would her be great.","start_word":6489,"end_word":6494,"sentiment":"positive","sentiment_score":0.4885013699531555},{"text":"Yeah. and then That why.","start_word":6495,"end_word":6499,"sentiment":"neutral","sentiment_score":0.1838611960411072},{"text":"yeah. Perfect. We can definitely do that. Hopefully, we can help her as well. And if it is that she, you know, does come on board, there is a little gift voucher for you as well to say thank you as a little Yeah. referral bonus, which is which is lovely.","start_word":6500,"end_word":6550,"sentiment":"positive","sentiment_score":0.4707476496696472},{"text":"But if you want to give me her her name and phone number and email, if you have it and best contact time, if she has one, then I can get the team to reach out and see how we can best help her as well. Yes. It's Charlotte. Can you guys, like, flick her a message? So that way she can then Yes. line something up with me. Yep. Yep. So I can definitely get them to email email her first, and Yeah. then she can respond to that with what works best for her. Okay. Sweet. Yeah. Yep. Okay. So her name is Holly Mercer, Holly Mercer. And last name, how is that spelled? M e r c e r. Yep.","start_word":6551,"end_word":6673,"sentiment":"neutral","sentiment_score":0.12946248054504397},{"text":"Oh, beautiful.","start_word":6674,"end_word":6675,"sentiment":"positive","sentiment_score":0.3589838147163391},{"text":"And best email and contact number if you know? Yep. Just one second. Sure.","start_word":6676,"end_word":6689,"sentiment":"neutral","sentiment_score":0.10557837784290314},{"text":"She's, like, been a great organizer of life.","start_word":6690,"end_word":6697,"sentiment":"positive","sentiment_score":0.3640728592872619},{"text":"So I'm just going into my calendar, which has That's good. which has a why is it not showing up? So I'll just bring it up. Yeah. No. That's okay. Take your time. So it's it's Holly Mercer. No no Yep. dots or dashes or anything. Yeah. 80 Just hold in, Melissa. six Eighty six. Yep. at Gmail dot com. @gmail.com. Perfect. And phone number as well if you have it, but we'll email Yeah. her first. For sure. It's 0432265552. Eight two six five 552. Beautiful. I will pass that on to our onboarding team.","start_word":6698,"end_word":6793,"sentiment":"neutral","sentiment_score":0.07236797106452286},{"text":"I will get them to send her a little email, and then they can kind of tie up a time that works best for her. We'll do a bit of a introduction. Everything is completely complimentary as well. But it's always, like, a good free review if anything where we have a bit of a chat to her, see what her goals are, see what her situation is like. We'll then put Yeah. together a research proposal similar to what we did for you when you came on board. And there's Yep. obviously no obligation, and it's only after if she is happy to go ahead that there would then be, obviously, the fee. So everything up until she decides if she wants to come on board is completely complimentary.","start_word":6794,"end_word":6923,"sentiment":"positive","sentiment_score":0.4421918690204621},{"text":"Oh, for Yeah.","start_word":6924,"end_word":6926,"sentiment":"neutral","sentiment_score":0.2886184751987457},{"text":"Beautiful. sure.","start_word":6927,"end_word":6928,"sentiment":"positive","sentiment_score":0.5266485214233398},{"text":"Was I did refer someone else. I'm just wondering if they ended up joining with you guys. Do It was you remember what I the name is? And I I don't can remember. check. Remember. See if I've got his last name, but it was Jordan. Jordan. I don't know if he fully followed through with it or I I might need the first name as well, but, usually, we do if it is that a client because, obviously, we note down right away Yeah. Yeah. who's referred. So I will I will check with the team if there is any It's records of anyone's Yeah. So it's Jordan Robinson. Jordan Robinson. I will have a look at the team. Just for privacy, I can't Yeah. Yeah. Yeah. tell Yeah. For sure. you tell you anything, Yeah. but I will check. And if it was that the person who you referred did sign on, usually, we would have sent through the certificate right away. So as soon as a client does sign sign on, we will send you that gift card. I will Yeah. triple check it for you, though. And if it was that they did sign on board and you haven't got anything, then I will chase that for you. Otherwise yeah.","start_word":6929,"end_word":7142,"sentiment":"neutral","sentiment_score":0.04833486303687096},{"text":"But thanks for for letting me know, and I will check.","start_word":7143,"end_word":7153,"sentiment":"positive","sentiment_score":0.4554141163825989},{"text":"But when I sent their email to the onboarding team for Holly, I will note down that you have referred her so that if she does come on board, it will obviously go the gift card to you.","start_word":7154,"end_word":7191,"sentiment":"neutral","sentiment_score":0.18784837424755096},{"text":"Yeah. Awesome.","start_word":7192,"end_word":7193,"sentiment":"positive","sentiment_score":0.5308316946029663},{"text":"I'm I'm all worried about her actually doing it because, yeah, it's she, yeah, she definitely needs it. Yeah. Yeah. Yeah.","start_word":7194,"end_word":7214,"sentiment":"neutral","sentiment_score":0.010695833712816238},{"text":"And and that's just that's that's good as well. And, hopefully, we can help her similar to what we have for you. And, obviously, because you are a client, you can also, obviously, tell her your experience and everything personally, which is great.","start_word":7215,"end_word":7257,"sentiment":"positive","sentiment_score":0.533090353012085},{"text":"And if there is that you guys ever wanna work on joint strategies and stuff, sometimes that's, you know, we can always do joint under reviews and stuff like that with couples if that's ever, Yeah. you know, something you guys want as well. Yeah. For sure. Yep. Okay.","start_word":7258,"end_word":7306,"sentiment":"neutral","sentiment_score":0.20659154653549192},{"text":"Beautiful.","start_word":7307,"end_word":7307,"sentiment":"positive","sentiment_score":0.5758070349693298},{"text":"Now do you have anything else for me, David, before I let you go and enjoy your Oh, look. I I can pick your brain. So I was looking at putting this afternoon? property in a trust. Mhmm. What's the what's the go with the new updates on on trust that the government changes? So with the the property, are you thinking, obviously, outside super, so not inside Yeah. Yeah. superannuation? Yeah. Yeah. That's fine. Yeah. Do you know which type of trust structure? Well, I'm I'm flicking up between, like, just the like, a kind of business partner trust or a family Mhmm. trust Yep. to go in with with Holly herself. Yep. So it and that's for buying a property? So because there are it gets quite complicated depending on which trust structure you are looking at with the new changes. Yeah. Family like, your testamentary trust weren't part of the budget where they are making changes. They were making quite a lot of changes to other trust structure. So so if you guys are looking at discretionary trusts, then Yeah. they have made changes in regards to that for especially when it comes to kind of low income earners, the minimum rate being the 30% whereas before, if you are not working on low income, you could obviously kind of then distribute the earnings through the low income earner, and kind of use that in a tax effective way. So they have changed the rules in regards to that Yep. Okay. So they put it under a base of 30% for just like discretionary a biz. co correct just to kinda limit the tax benefit as much, And I guess. and you and I I heard that you've they're more tied on actually physically transferring the the money itself. Is that right? Or or the, From, like, like, a the discretionary trust into Yeah. You who used it to be is. able to, like, pretty much just put it on paper that that's what was gonna happen, and then the They money could they still gonna stay in the trust. yeah. They have tied it a lot of things with the budget, so there's a lot of changes, Okay. especially even with, like, self managed super funds as well. So if you ever wanted to before, you could obviously set up a property within a self managed super fund, and you can use a borrowing arrangement to buy a property through your self managed super fund, that has changed. So the only way you could now buy a property through a self managed super fund if you want to borrow money is through commercial property. You can't do it for residential property anymore. So Oh, the only well. way yeah. So if you wanted to do, like, an investment property through a self managed superfund, you can't borrow for us anymore. So they've made quite a few changes, and, yeah, that changed that had to have been in place the tenth of this month.","start_word":7308,"end_word":7814,"sentiment":"neutral","sentiment_score":-0.01702156262444718},{"text":"So they've made that a little bit harder as well.","start_word":7815,"end_word":7824,"sentiment":"negative","sentiment_score":-0.336966335773468},{"text":"Is that if you've Yeah. owned the property beforehand or, like, as a So, like, if if you wanted to do it today so let's say you and Holly wanted to combine your yeah. supers and do a self managed super fund, and you wanted to have a property as part of your portfolio within the self managed super fund, but you obviously wanted to or needed to borrow against it. So you didn't have enough for, obviously, the property. You were then Yeah. you used to have a loan agreement outside superannuation through, obviously, finance and buy the investment property, and that Uh-huh. would Yeah. obviously kind of be filtered through a different cash account where you had obviously payments and everything going in. That, you can't do anymore. So you can't have Yeah. that Right. loan arrangement for a residential property. It has to be commercial. So, Okay. yeah, that makes that quite quite different as well. So a lot of changes. Yeah. Right. So Yeah. say, for example, my mom's got a she's on the way to retirement. She was looking at paying off her her through Mhmm. through setting up a self managed super fund. If she's already owned it, does that still does that rules still apply, or is it still the old rules with that? So with the self managed super fund, you can't have a property through a self managed super fund if you live in it. It has Oh, no. She so doesn't even she with doesn't live she doesn't live alright. in it. Okay. No. Does she already have the property within a self managed super fund, or that was something Sorry. she was looking at Sorry. doing?","start_word":7825,"end_word":8111,"sentiment":"neutral","sentiment_score":-0.0696105197305671},{"text":"She was really No. enjoying that.","start_word":8112,"end_word":8117,"sentiment":"negative","sentiment_score":-0.39098653197288513},{"text":"And does she Okay. have a loan attached to it? Yes. Yes. So unless what's in her super will pay off the loan completely, then no. Okay. So Alright. Okay. I'll let her know. yeah. Yeah. But But, obviously, depends on because, obviously, I can't give any personal advice for her because, obviously, yeah. I Yeah. don't know For her sure. full situation and stuff Yeah. Yeah. like that. Absolute absolutely. Yeah. No. I'm not saying it's gospel. Would that No. Perfect. so so if she does that still apply so if she could pay off the cell the the loan with a super, is there still that percentage where you have to leave, like, a certain amount in your super or other investments. It would depend on which product you would have have it with. Okay. So often, some people just have a property, and then they have the minimum cash associated with whatever product. So whichever platform Alright. they use for, obviously, the cash flow and everything with the self managed super fund, They sometimes have a minimum balance. Like, we'd have 24 even with your account, they have a minimum of of 1.25% that has to be in cash Yep. to Alright. account. I thought it was like a I thought it was like a you couldn't invest more than 6060% into a property, but maybe I was wrong on that. Usually not. Like, you unless it's, like, a different product, but a lot of the ones that we have for clients with self managed super funds, the bigger issue is more so, obviously, liquidity and diversification. Because if you had everything in just the property and something would've happened to the property market, like, even now, we're obviously seeing a bit of bit of prices coming down for for property. Obviously, if you Yeah. have all your super completely locked into a property and you need to access that money for some reason, it's obviously very it's not very liquid. You can't just Yeah. sell something Yeah. quickly and get the money, and everything is tied up into the property. So a lot of the times, people will have a property and an investment account with the self managed super fund, but not everyone does it. Some people just have a investment account. Some people just have a property. But in terms of their percentage, it would depend on each like, the provider that Yes. they have the self managed super funds because there's a lot of different yeah. Again, it's kind of similar to your hub 24. There's hundreds of different super funds to choose from. There are different accounts that you can set up with the self managed super funds, Okay. and each provider does have a a slightly different limitation on that as well. Yep. Okay. Fair enough. And last last question before I let you go is That's okay. is so you I was gonna give you guys, like, $50 to do the same kind of setup as my super, but for, obviously, Mhmm. personal investment. Is it Yep. around is it around the same percentage management fee? Or It sometimes changes. So, usually because we've just kind of made some changes to some of our fee structures, Yeah. so we would kind of consider it. Now sometimes it's then split proportionately. So with the next year, we are looking at doing more of a tiered fee structure. But I have interest in it. Yeah. So it would be but the good thing is that it will be based on your pool of money. So if you were to then with your super, with your investment, that takes you up to, like, the next tier, then that would make it cheaper, if that makes Oh, sense, okay. because it's kind of like an accumulation of that. Okay. Oh, But that's if it was so you consider both of them together. correct. Yes. To make it a little bit more affordable because it's we're then kind of using this farm as a whole, then separate, if that makes sense. Yeah. So Okay. then, Cool. like, the more money you have, the cheaper it will be. But if we were to do some research on and it would depend on the type of investment. Investment bonds are sometimes a little bit different to personal investments. But when we do have a chat to you about what you are looking at and which investment option might be the most suitable for you, we would Yeah. put everything in that statement of advice, and that will show you all the fees and everything like that before you'd obviously make a decision. Yeah. I think so. Yep.","start_word":8118,"end_word":8907,"sentiment":"neutral","sentiment_score":-0.013603086958203135},{"text":"Sounds Perfect. Any great.","start_word":8908,"end_word":8911,"sentiment":"positive","sentiment_score":0.5386143922805786},{"text":"other questions, David? Alright.","start_word":8912,"end_word":8915,"sentiment":"neutral","sentiment_score":0.3004363179206848},{"text":"That's perfect. Thank you very No? much. That is no problem at all. Now I can see that that document that you signed has come through, which is great.","start_word":8916,"end_word":8944,"sentiment":"positive","sentiment_score":0.5548691749572754},{"text":"I will get on to my team, obviously, contacting Holly, emailing that stuff to you, and I will also brief you out my con my colleague, Jenna. So probably next week, you will get that email from me just with her direct contact details. If you forget and your email will call me directly, that's fine. Like, if you call the office and ask for me, they will just direct it to her anyway, and my emails will be automatically forwarded to her as well. Sure.","start_word":8945,"end_word":9030,"sentiment":"neutral","sentiment_score":0.13700953125953674},{"text":"Perfect. Yep. Beautiful. Well, thank you so much for your time today, David. Obviously, I hope everything goes well with the IP claim and that you recover soon and get back to everything. But, obviously, let us know how it's all kind of progressing for you as well and if there's anything else you do need help Yeah.","start_word":9031,"end_word":9088,"sentiment":"positive","sentiment_score":0.5072576999664307},{"text":"For sure. And with.","start_word":9089,"end_word":9092,"sentiment":"neutral","sentiment_score":0.19405913352966309},{"text":"best of luck with your pregnancy.","start_word":9093,"end_word":9098,"sentiment":"positive","sentiment_score":0.4864667356014252},{"text":"You did this Yeah. first one. Yes. First one, I'm having Oh, how a little exciting. girl. Uh-huh.","start_word":9099,"end_word":9116,"sentiment":"neutral","sentiment_score":0.1948813498020172},{"text":"Oh, awesome.","start_word":9117,"end_word":9118,"sentiment":"positive","sentiment_score":0.5554221868515015},{"text":"Yeah.","start_word":9119,"end_word":9119,"sentiment":"neutral","sentiment_score":0.3315906524658203},{"text":"I hope you'll.","start_word":9120,"end_word":9122,"sentiment":"positive","sentiment_score":0.3445201516151428},{"text":"No. You're gonna Yeah. Yep.","start_word":9123,"end_word":9127,"sentiment":"neutral","sentiment_score":0.05015257000923157},{"text":"Thank you very much. Look forward to it, and I look forward to kind of reconnecting with you when I'm back.","start_word":9128,"end_word":9148,"sentiment":"positive","sentiment_score":0.5828389525413513},{"text":"I'm off for twelve months, and then, obviously, seeing how everything's progressed for you and where love everything's it. at. Okay.","start_word":9149,"end_word":9169,"sentiment":"neutral","sentiment_score":0.21209588646888733},{"text":"Enjoy the next twelve months. That's good. It's gonna be a great time for you. A bit of a roller coaster, but I'm sure I'm sure it'll be very special. Thank you so much. Thank you, David.","start_word":9170,"end_word":9206,"sentiment":"positive","sentiment_score":0.6343016624450684},{"text":"We'll speak soon. Alright. Bye.","start_word":9207,"end_word":9211,"sentiment":"neutral","sentiment_score":0.25951987504959106}],"average":{"sentiment":"neutral","sentiment_score":0.08257913267827206}}}}