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I suppose a bit of from Nando's. Oh, mate. I only have some sugar bean on a bit of a cut at the moment, so I think I need to get some Nando's for dinner tonight. Mate, I just wanna give you a quick, quick call. We've gotten through all of the advice documents signed for your super switch and everything like that. Just wanted to thank you for doing that and and kind of welcome you to Oakview. One of the things I wanna go through as a senior adviser, I just go through a couple of quick checks at the end just to make sure you understand everything and that you're comfortable with it all, and then just a bit of a heads up with what's coming down the line if that's alright. Beauty. Just quickly, just wanna start with any questions you might have from the advice that you went through with Fabian. Yes. Yeah. Yep. Alright. Awesome, mate. Thank you for taking the leap of faith. And, look, we do pride ourselves on on service, and we're in the Gold Coast, of course, but we service nationally. And, look, if you're ever at our neck of the woods, you're more than welcome to pop into the office for lunch and meet the team and everything. That's no worries at all. And if you're that way inclined, we do have the old Facebook TikTok videos and things like that. So if you wanna get a bit more familiar with the team you'll be working with, we're also in your financial services guide. So that's like consumer protections document you got sent through. If you're curious, license details are in there. The whole team's in there. You can kind of see all of us and how we're registered with ASIC as well. Are you? It's totally fair. Totally fair. And look, we always start off with that kind of basis with your super at the start because that's what you were after. If anything else pops up down the line, whether it comes to investment advice to do with the properties, anything else, we're pretty qualified to give you holistic advice across the board. Awesome. So I'm just gonna quickly run through a couple of things from that document there. So with your AMP signature super, obviously, you're switching to Hub 24, high growth portfolio. Did they explain to you the SMA structure for what recommended? Cool. So with this SMA, it's called a separately managed account. You can sort of Google those ones too. Basically, the whole point of them is it bubbles up your portfolio on the super. So we've got, like, eight or nine investments for you, all really low fee, fantastic performance, but it puts a bubble around it so that we can actually chop and make changes every couple of months with our investment committee and also with BlackRock as well. So, basically, it just makes it a bit more fluid if that makes sense. Normally, with advisers, we get in touch with you, and we give you a new advice document the same as the one you've just gotten for, like, a new one. But this allows us to keep your portfolio update throughout the year as well. That makes sense? Beauty? When it comes to the insurance side of things, obviously, that was based on what we call a needs analysis. So making sure your debts are covered, your income's covered, you're protected across the board for life, TPD, and income protection. They're gonna go through a personal statement with you. Have you ever been through one of those? That's okay. All it is is when you get an insurance application, they just check health and occupation details. We've got we've got most of it, but there's just a couple of things that we get on, like, a recorded call that we, I guess, anonymously shoot through to the insurers to make sure it's gonna go through okay. If there's any issues at all, we basically give you a call and walk you through, like, a plan b or c if we need to. Cool. I think the only thing that we're gonna double check with them was just you had a couple of, like was it the shoulder and the knee with the reconstructions? Yep. Yep. Cool. So one of the things that they do is when you go through that welcome call, they're pretty much going to set you up with, like, quarterly contacts with us, get your security questions down for when you call through so we can protect your details, and then they'll run through those medical questions. Just check dates, doctors, symptoms, and and that kind of thing. And that's basically for go ahead. Sure. There's only really two two main doctors. Oh, jeez. That was fun. How did you do that? Beauty. How did that happen? Ah, like, okay. Yeah. Yeah. Up in North Queensland or Logan Brothers. No way. Yeah. Fantastic. Oh, no. Jeez. And you're still doing a few few treatments nowadays catching up and finishing it off? Yep. Switch occupations for that. Yeah. Nice. That's where you want to be rather than limping around on the tools. Oh, my. That doesn't sound fun. Damn. That's a bit more than a Panadol and a Nurofen, Mhmm. Jeez. So I didn't even need to go through that level of scan. It was just right there. Obvious for anyone. Yeah. Jeez. Also, while I'm on the health questions there, I did want to just quickly let you know the with the vaping and the smokers rates, The basically, once that's, I guess, twelve months free, it's pretty much like a one pager to get that reviewed and removed. So that'll, at some point, chop it down, like, 50% on the price. So what we usually do is we do, like, reviews with you every year. Like, yeah, there's quarterly catch ups just to see how everything's going, but, like, a full in-depth review every year. And if you're like, hey, mate. I love nicotine free for twelve months, we pretty much just fill in a form with you, send it to the insurer, and love your uncle. Awesome. Mate, pretty comfortable that you've got a grasp of everything there. Estate planning wise, when you go through that welcome call, are you okay for the team to just prefill beneficiary forms for you for the super and the life insurance? Because you got your nominee there. You've given all the details. Yep. And you've already given through date of birth, address, and everything, so that's perfect. We can prefill those forms with Hub and Neos. Only thing we can't do for you is set up a will. That's something that you guys are gonna have to go do the old $25 will kit from the post office or talk to a lawyer or the public trustee for the state. But, again, always recommend to get that sorted as well. Yeah. Pretty much. And then, basically, family has to go through to the courts to sort of sue for probate and get access to everything, and it just takes a lot longer, a little bit more cost involved. Whereas if something's in a will, if you've got, like, a a house, the shoes, the bank, the car, it can be pretty well direct as long as it's a valid will. Yeah. And one of the things too, just as a quick pointer. No. No one does. And look, as you get down the line and you get more assets under your belt and things like that, it's probably gets more and more important as your your finances get more complex, if that makes sense. But the one thing that I wanna just remind you as well is those will kits from the post office, you can also get a power of attorney kit for $25 as well. Do you remember what power of attorney does? Perfect. Perfect. Yep. So it's while you're still here, you can't act on your own. So someone there's financial and medical. Yeah. Who can access the bank accounts, who can talk to the doctors, that kind of thing. Beauty. Last thing I'll just touch on is the with the fees with us. So we've got the upfront fee coming out of the super for three nine four nine. 15 percent rebate comes off of that straight away. You've got anytime we put in place, like insurances, you get the 66% upfront for the first year's premiums, come to us for setting it up. It's the same across all insurers. If you ever need to claim on anything, obviously, you probably call your family first if major injury happens, but you can call us second, and we can help you actually through the claims process and liaise with the insurer on your behalf. Beauty. Yeah. No, mate. We're we're there. We do a lot of claims advice. You get people who are TPD, never work again. Here's a million dollars. How do you make it last? We basically go to bat for them with the insurers and help them through the process and then help try and invest it to for them to live on for thirty, forty years. Beauty. Mate, that's pretty much everything for me. Any questions so far? Okay. Yes. So there's a couple of ways to do it. Let's say you get a cash bonus and you wanna put chuck it in your server. We can give you BPAY or EFT details for you to transfer it into your Hub's bank account that's attached to your account. Once that's in there, to claim that as, like, a tax deduction similar to your employer contributions, we do a form called an NOI, notice of intent claim form. And, basically, you chuck $5 in. We prefill a form saying that you wanna claim your 5 grands. As long as you submit that in the same financial year before you do your tax return, that'll come through okay. Yeah. That's right. So when you put into super, you can claim it as concessional, and then it's taxed at 15%. So if you're on 32, 37%, you get to save that 22 on the dollar. Yep. So is this something that's gonna happen? You reckon that's gonna happen before June 30, or is it more just next financial year? Okay. Alright. So two ways is if you get, like, a pay increase and you wanna do some regular salary sacrifice, your employee can do that automatically through the payroll, takes it out before it gets taxed. You get the leftover, and that already gives you, like, an instant tax deduction. If you get a lump sum cash bonus, that's like what I said before. You chuck it into your super. You claim it with your tax return. Cool. So anything at all happens, just give us a buzz. We'll try and contact you around end of financial year. But if anything pops up, just give us a buzz, and I'll walk you through it. You've got it. That's, like, 3, 400 grands. Yeah. Absolutely. Cool. I'll make a few notes on your file about that. But, again, give us a call if you get the chance to do it, and we'll help you through the process. Yeah. That's one of my favorite things is when you set someone up with a pension account that's got a million dollars in it, and they're basically just, here's your monthly pension coming out that they're living on, and they go, oh, I need a new car. Pull out $20.30 grand, go and buy it. One of the things that we do is just go, hey. You're on your fifth or sixth whole load of Europe. You should probably slow down because you're gonna run out of money. But other than that, again, like you said, once you're comfortable, you can just pull it out as you need to. Yep. Yeah. Yeah. And can I ask you as well? So you've got, what, like, a twelve week old and a three year old? Yeah. So thinking sort of front to back, once you've got your super built up to that level that you can pull out a few $100 helping with the property, One of the things that we can do down the line too is a bit of personal investments to help set them up when they're 18. There's some tax paid child builder bonds that we can look at. There's shares, managed funds. There's all kinds of things that we can do. So when it comes to review time, once everything's stable with you and your partner, we can kind of start talking you through, okay, over the next five, ten, fifteen years, what can we build up for them for when they're 18 as well. Perfect. Awesome, man. Well, I really appreciate you taking my call today because, again, I just wanna make sure that you understood everything, you were comfortable with it. And, again, I'll put some notes in your account about the contributions, future investments to look at. And, mate, I look forward to chatting with you again when we do the reviews and, end of financial year. You'll be looked after by about two, three people, so you'll have access to Savvy, myself, and our team. Basically, if you need something, whoever's available will jump on as soon as possible just to keep the contact fluid. And then if they need to escalate it up and book them in with me or Sevi, we can do that. Just it's all on a calendar basis. That's all. So if you call in, I wanna make sure you talk to straight away. It's weird, isn't it? You get all the stuff set up from the employer. They take the fees, but you never hear from them. And then all of a sudden, it takes a whole industry of advisers running around contacting people saying, hey. Have you looked at it? Have you changed it? We're kind of these just independent cowboys floating around trying to fix it all up when they should have done that ages ago. Oh, mate. We're down to, I think and did you did you actually do a call to set it up, or would it just been sign something with the employer and off you go? Yeah? Oh, yeah. Jeez. You would have been one of those guys that AMP set up, and then when they got out of the industry, would have been orphans. That guy would have left and started his own gig, and they would have just put you on a list on the back burner. Oh, yeah. I might even look him up on the register and see if he's still practicing. That'll be interesting to find out, but maybe he's retired. Who knows? Yep. And how many years ago was that? Jeez. Only the only thing with us, mate, is we call, text, and email. You let us know how much is too much or too little, and we'll sort of tailor it to you a little bit. Yep. That's fantastic, mate. We're gonna get along very well. So I'll make sure you're plugged in for some quarterly catch ups. Anything pops up in your life, like you mentioned, with the pay increases and bonuses, just give us a buzz, and we'll have a chat. Awesome, Jake. Mate, anything else for me before I let you go? Awesome, dude. Well, you have a fantastic week, and we'll talk to you at that welcome call. No worries at all, mate. Looking forward to it. Cheers. 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Jake. Tommy here from. Can you hear me okay? Sorry. I just had a bit of a phone click.\n\nEasy done, mate. Easy done. How'd you go with the checking? Alright? Beauty, beauty.\n\nI suppose a bit of from Nando's. Oh, mate. I only have some sugar bean on a bit of a cut at the moment, so I think I need to get some Nando's for dinner tonight. Mate, I just wanna give you a quick, quick call. We've gotten through all of the advice documents signed for your super switch and everything like that.\n\nJust wanted to thank you for doing that and and kind of welcome you to Oakview. One of the things I wanna go through as a senior adviser, I just go through a couple of quick checks at the end just to make sure you understand everything and that you're comfortable with it all, and then just a bit of a heads up with what's coming down the line if that's alright. Beauty. Just quickly, just wanna start with any questions you might have from the advice that you went through with Fabian. Yes.\n\nYeah. Yep. Alright. Awesome, mate. Thank you for taking the leap of faith.\n\nAnd, look, we do pride ourselves on on service, and we're in the Gold Coast, of course, but we service nationally. And, look, if you're ever at our neck of the woods, you're more than welcome to pop into the office for lunch and meet the team and everything. That's no worries at all. And if you're that way inclined, we do have the old Facebook TikTok videos and things like that. So if you wanna get a bit more familiar with the team you'll be working with, we're also in your financial services guide.\n\nSo that's like consumer protections document you got sent through. If you're curious, license details are in there. The whole team's in there. You can kind of see all of us and how we're registered with ASIC as well. Are you?\n\nIt's totally fair. Totally fair. And look, we always start off with that kind of basis with your super at the start because that's what you were after. If anything else pops up down the line, whether it comes to investment advice to do with the properties, anything else, we're pretty qualified to give you holistic advice across the board. Awesome.\n\nSo I'm just gonna quickly run through a couple of things from that document there. So with your AMP signature super, obviously, you're switching to Hub 24, high growth portfolio. Did they explain to you the SMA structure for what recommended? Cool. So with this SMA, it's called a separately managed account.\n\nYou can sort of Google those ones too. Basically, the whole point of them is it bubbles up your portfolio on the super. So we've got, like, eight or nine investments for you, all really low fee, fantastic performance, but it puts a bubble around it so that we can actually chop and make changes every couple of months with our investment committee and also with BlackRock as well. So, basically, it just makes it a bit more fluid if that makes sense. Normally, with advisers, we get in touch with you, and we give you a new advice document the same as the one you've just gotten for, like, a new one.\n\nBut this allows us to keep your portfolio update throughout the year as well. That makes sense? Beauty? When it comes to the insurance side of things, obviously, that was based on what we call a needs analysis. So making sure your debts are covered, your income's covered, you're protected across the board for life, TPD, and income protection.\n\nThey're gonna go through a personal statement with you. Have you ever been through one of those? That's okay. All it is is when you get an insurance application, they just check health and occupation details. We've got we've got most of it, but there's just a couple of things that we get on, like, a recorded call that we, I guess, anonymously shoot through to the insurers to make sure it's gonna go through okay.\n\nIf there's any issues at all, we basically give you a call and walk you through, like, a plan b or c if we need to. Cool. I think the only thing that we're gonna double check with them was just you had a couple of, like was it the shoulder and the knee with the reconstructions? Yep. Yep.\n\nCool. So one of the things that they do is when you go through that welcome call, they're pretty much going to set you up with, like, quarterly contacts with us, get your security questions down for when you call through so we can protect your details, and then they'll run through those medical questions. Just check dates, doctors, symptoms, and and that kind of thing. And that's basically for go ahead. Sure.\n\nThere's only really two two main doctors. Oh, jeez. That was fun. How did you do that? Beauty.\n\nHow did that happen? Ah, like, okay. Yeah. Yeah. Up in North Queensland or Logan Brothers.\n\nNo way. Yeah. Fantastic. Oh, no. Jeez.\n\nAnd you're still doing a few few treatments nowadays catching up and finishing it off? Yep. Switch occupations for that. Yeah. Nice.\n\nThat's where you want to be rather than limping around on the tools. Oh, my. That doesn't sound fun. Damn. That's a bit more than a Panadol and a Nurofen, Mhmm.\n\nJeez. So I didn't even need to go through that level of scan. It was just right there. Obvious for anyone. Yeah.\n\nJeez. Also, while I'm on the health questions there, I did want to just quickly let you know the with the vaping and the smokers rates, The basically, once that's, I guess, twelve months free, it's pretty much like a one pager to get that reviewed and removed. So that'll, at some point, chop it down, like, 50% on the price. So what we usually do is we do, like, reviews with you every year. Like, yeah, there's quarterly catch ups just to see how everything's going, but, like, a full in-depth review every year.\n\nAnd if you're like, hey, mate. I love nicotine free for twelve months, we pretty much just fill in a form with you, send it to the insurer, and love your uncle. Awesome. Mate, pretty comfortable that you've got a grasp of everything there. Estate planning wise, when you go through that welcome call, are you okay for the team to just prefill beneficiary forms for you for the super and the life insurance?\n\nBecause you got your nominee there. You've given all the details. Yep. And you've already given through date of birth, address, and everything, so that's perfect. We can prefill those forms with Hub and Neos.\n\nOnly thing we can't do for you is set up a will. That's something that you guys are gonna have to go do the old $25 will kit from the post office or talk to a lawyer or the public trustee for the state. But, again, always recommend to get that sorted as well. Yeah. Pretty much.\n\nAnd then, basically, family has to go through to the courts to sort of sue for probate and get access to everything, and it just takes a lot longer, a little bit more cost involved. Whereas if something's in a will, if you've got, like, a a house, the shoes, the bank, the car, it can be pretty well direct as long as it's a valid will. Yeah. And one of the things too, just as a quick pointer. No.\n\nNo one does. And look, as you get down the line and you get more assets under your belt and things like that, it's probably gets more and more important as your your finances get more complex, if that makes sense. But the one thing that I wanna just remind you as well is those will kits from the post office, you can also get a power of attorney kit for $25 as well. Do you remember what power of attorney does? Perfect.\n\nPerfect. Yep. So it's while you're still here, you can't act on your own. So someone there's financial and medical. Yeah.\n\nWho can access the bank accounts, who can talk to the doctors, that kind of thing. Beauty. Last thing I'll just touch on is the with the fees with us. So we've got the upfront fee coming out of the super for three nine four nine. 15 percent rebate comes off of that straight away.\n\nYou've got anytime we put in place, like insurances, you get the 66% upfront for the first year's premiums, come to us for setting it up. It's the same across all insurers. If you ever need to claim on anything, obviously, you probably call your family first if major injury happens, but you can call us second, and we can help you actually through the claims process and liaise with the insurer on your behalf. Beauty. Yeah.\n\nNo, mate. We're we're there. We do a lot of claims advice. You get people who are TPD, never work again. Here's a million dollars.\n\nHow do you make it last? We basically go to bat for them with the insurers and help them through the process and then help try and invest it to for them to live on for thirty, forty years. Beauty. Mate, that's pretty much everything for me. Any questions so far?\n\nOkay. Yes. So there's a couple of ways to do it. Let's say you get a cash bonus and you wanna put chuck it in your server. We can give you BPAY or EFT details for you to transfer it into your Hub's bank account that's attached to your account.\n\nOnce that's in there, to claim that as, like, a tax deduction similar to your employer contributions, we do a form called an NOI, notice of intent claim form. And, basically, you chuck $5 in. We prefill a form saying that you wanna claim your 5 grands. As long as you submit that in the same financial year before you do your tax return, that'll come through okay. Yeah.\n\nThat's right. So when you put into super, you can claim it as concessional, and then it's taxed at 15%. So if you're on 32, 37%, you get to save that 22 on the dollar. Yep. So is this something that's gonna happen?\n\nYou reckon that's gonna happen before June 30, or is it more just next financial year? Okay. Alright. So two ways is if you get, like, a pay increase and you wanna do some regular salary sacrifice, your employee can do that automatically through the payroll, takes it out before it gets taxed. You get the leftover, and that already gives you, like, an instant tax deduction.\n\nIf you get a lump sum cash bonus, that's like what I said before. You chuck it into your super. You claim it with your tax return. Cool. So anything at all happens, just give us a buzz.\n\nWe'll try and contact you around end of financial year. But if anything pops up, just give us a buzz, and I'll walk you through it. You've got it. That's, like, 3, 400 grands. Yeah.\n\nAbsolutely. Cool. I'll make a few notes on your file about that. But, again, give us a call if you get the chance to do it, and we'll help you through the process. Yeah.\n\nThat's one of my favorite things is when you set someone up with a pension account that's got a million dollars in it, and they're basically just, here's your monthly pension coming out that they're living on, and they go, oh, I need a new car. Pull out $20.30 grand, go and buy it. One of the things that we do is just go, hey. You're on your fifth or sixth whole load of Europe. You should probably slow down because you're gonna run out of money.\n\nBut other than that, again, like you said, once you're comfortable, you can just pull it out as you need to. Yep. Yeah. Yeah. And can I ask you as well?\n\nSo you've got, what, like, a twelve week old and a three year old? Yeah. So thinking sort of front to back, once you've got your super built up to that level that you can pull out a few $100 helping with the property, One of the things that we can do down the line too is a bit of personal investments to help set them up when they're 18. There's some tax paid child builder bonds that we can look at. There's shares, managed funds.\n\nThere's all kinds of things that we can do. So when it comes to review time, once everything's stable with you and your partner, we can kind of start talking you through, okay, over the next five, ten, fifteen years, what can we build up for them for when they're 18 as well. Perfect. Awesome, man. Well, I really appreciate you taking my call today because, again, I just wanna make sure that you understood everything, you were comfortable with it.\n\nAnd, again, I'll put some notes in your account about the contributions, future investments to look at. And, mate, I look forward to chatting with you again when we do the reviews and, end of financial year. You'll be looked after by about two, three people, so you'll have access to Savvy, myself, and our team. Basically, if you need something, whoever's available will jump on as soon as possible just to keep the contact fluid. And then if they need to escalate it up and book them in with me or Sevi, we can do that.\n\nJust it's all on a calendar basis. That's all. So if you call in, I wanna make sure you talk to straight away. It's weird, isn't it? You get all the stuff set up from the employer.\n\nThey take the fees, but you never hear from them. And then all of a sudden, it takes a whole industry of advisers running around contacting people saying, hey. Have you looked at it? Have you changed it? We're kind of these just independent cowboys floating around trying to fix it all up when they should have done that ages ago.\n\nOh, mate. We're down to, I think and did you did you actually do a call to set it up, or would it just been sign something with the employer and off you go? Yeah? Oh, yeah. Jeez.\n\nYou would have been one of those guys that AMP set up, and then when they got out of the industry, would have been orphans. That guy would have left and started his own gig, and they would have just put you on a list on the back burner. Oh, yeah. I might even look him up on the register and see if he's still practicing. That'll be interesting to find out, but maybe he's retired.\n\nWho knows? Yep. And how many years ago was that? Jeez. Only the only thing with us, mate, is we call, text, and email.\n\nYou let us know how much is too much or too little, and we'll sort of tailor it to you a little bit. Yep. That's fantastic, mate. We're gonna get along very well. So I'll make sure you're plugged in for some quarterly catch ups.\n\nAnything pops up in your life, like you mentioned, with the pay increases and bonuses, just give us a buzz, and we'll have a chat. Awesome, Jake. Mate, anything else for me before I let you go? Awesome, dude. Well, you have a fantastic week, and we'll talk to you at that welcome call.\n\nNo worries at all, mate. Looking forward to it. Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Hey, Jake.","start":4.3199997,"end":4.88,"sentiment":"neutral","sentiment_score":0.03765895590186119},{"text":"Tommy here from.","start":4.88,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.03650822242101034},{"text":"Can you hear me okay?","start":5.8399997,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.010557528771460056},{"text":"Sorry.","start":8.24,"end":8.559999,"sentiment":"neutral","sentiment_score":-0.0703568235039711},{"text":"I just had a bit of a phone click.","start":8.559999,"end":10.58,"sentiment":"neutral","sentiment_score":0.003967638851867782}],"sentiment":"neutral","sentiment_score":0.01014910745434463,"num_words":20,"start":4.3199997,"end":10.58},{"sentences":[{"text":"Easy done, mate.","start":11.679999,"end":12.4,"sentiment":"positive","sentiment_score":0.3920609752337138},{"text":"Easy done.","start":12.4,"end":12.799999,"sentiment":"neutral","sentiment_score":0.2920297384262085},{"text":"How'd you go with the checking?","start":12.799999,"end":13.679999,"sentiment":"neutral","sentiment_score":0.08518154422442119},{"text":"Alright?","start":13.679999,"end":14.179999,"sentiment":"neutral","sentiment_score":0.095355324447155},{"text":"Beauty, beauty.","start":16.265,"end":16.905,"sentiment":"positive","sentiment_score":0.42463579773902893}],"sentiment":"neutral","sentiment_score":0.22971132770180702,"num_words":14,"start":11.679999,"end":16.905},{"sentences":[{"text":"I suppose a bit of from Nando's.","start":16.905,"end":19.485,"sentiment":"neutral","sentiment_score":0.19095438505922044},{"text":"Oh, mate.","start":19.705,"end":20.345001,"sentiment":"neutral","sentiment_score":0.1700671762228012},{"text":"I only have some sugar bean on a bit of a cut at the moment, so I think I need to get some Nando's for dinner tonight.","start":20.345001,"end":25.645,"sentiment":"neutral","sentiment_score":0.0944321886808784},{"text":"Mate, I just wanna give you a quick, quick call.","start":27.480001,"end":29.82,"sentiment":"neutral","sentiment_score":0.21607170403003692},{"text":"We've gotten through all of the advice documents signed for your super switch and everything like that.","start":30.44,"end":36.120003,"sentiment":"neutral","sentiment_score":0.2639976310379365}],"sentiment":"neutral","sentiment_score":0.17262160174903415,"num_words":63,"start":16.905,"end":36.120003},{"sentences":[{"text":"Just wanted to thank you for doing that and and kind of welcome you to Oakview.","start":36.120003,"end":39.58,"sentiment":"positive","sentiment_score":0.718784537166357},{"text":"One of the things I wanna go through as a senior adviser, I just go through a couple of quick checks at the end just to make sure you understand everything and that you're comfortable with it all, and then just a bit of a heads up with what's coming down the line if that's alright.","start":40.52,"end":52.68,"sentiment":"neutral","sentiment_score":0.19298147223889828},{"text":"Beauty.","start":54.44,"end":54.94,"sentiment":"neutral","sentiment_score":0.32187217473983765},{"text":"Just quickly, just wanna start with any questions you might have from the advice that you went through with Fabian.","start":55.24,"end":60.62,"sentiment":"neutral","sentiment_score":0.17676903158426285},{"text":"Yes.","start":71.255,"end":71.755,"sentiment":"neutral","sentiment_score":0.10003966093063354}],"sentiment":"neutral","sentiment_score":0.27941284582335896,"num_words":94,"start":36.120003,"end":71.755},{"sentences":[{"text":"Yeah.","start":84.869995,"end":85.27,"sentiment":"neutral","sentiment_score":0.14700543880462646},{"text":"Yep.","start":85.27,"end":85.77,"sentiment":"neutral","sentiment_score":0.2726321816444397},{"text":"Alright.","start":91.284996,"end":91.604996,"sentiment":"positive","sentiment_score":0.4629254341125488},{"text":"Awesome, mate.","start":91.604996,"end":92.165,"sentiment":"positive","sentiment_score":0.7012875378131866},{"text":"Thank you for taking the leap of faith.","start":92.165,"end":93.604996,"sentiment":"positive","sentiment_score":0.6949719442054629}],"sentiment":"positive","sentiment_score":0.603454898756284,"num_words":13,"start":84.869995,"end":93.604996},{"sentences":[{"text":"And, look, we do pride ourselves on on service, and we're in the Gold Coast, of course, but we service nationally.","start":93.604996,"end":99.865,"sentiment":"positive","sentiment_score":0.3668047509023121},{"text":"And, look, if you're ever at our neck of the woods, you're more than welcome to pop into the office for lunch and meet the team and everything.","start":101.060005,"end":106.340004,"sentiment":"positive","sentiment_score":0.5615162359816688},{"text":"That's no worries at all.","start":106.340004,"end":107.72,"sentiment":"positive","sentiment_score":0.4873318076133728},{"text":"And if you're that way inclined, we do have the old Facebook TikTok videos and things like that.","start":109.380005,"end":114.100006,"sentiment":"neutral","sentiment_score":0.2452306548754374},{"text":"So if you wanna get a bit more familiar with the team you'll be working with, we're also in your financial services guide.","start":114.100006,"end":121.134995,"sentiment":"neutral","sentiment_score":0.209661897757779}],"sentiment":"positive","sentiment_score":0.369456724744094,"num_words":95,"start":93.604996,"end":121.134995},{"sentences":[{"text":"So that's like consumer protections document you got sent through.","start":121.134995,"end":124.435,"sentiment":"neutral","sentiment_score":0.1528255596756935},{"text":"If you're curious, license details are in there.","start":125.295,"end":127.89,"sentiment":"neutral","sentiment_score":0.07365670474246144},{"text":"The whole team's in there.","start":127.97,"end":129.09,"sentiment":"neutral","sentiment_score":0.11261260062456131},{"text":"You can kind of see all of us and how we're registered with ASIC as well.","start":129.09,"end":132.70999,"sentiment":"neutral","sentiment_score":0.12894538044929504},{"text":"Are you?","start":143.94499,"end":144.605,"sentiment":"neutral","sentiment_score":-0.009582159109413624}],"sentiment":"neutral","sentiment_score":0.11523253675095918,"num_words":41,"start":121.134995,"end":144.605},{"sentences":[{"text":"It's totally fair.","start":161.24,"end":162.04,"sentiment":"neutral","sentiment_score":-0.12653433283170065},{"text":"Totally fair.","start":162.04,"end":162.6,"sentiment":"neutral","sentiment_score":0.12691114842891693},{"text":"And look, we always start off with that kind of basis with your super at the start because that's what you were after.","start":162.6,"end":167.81999,"sentiment":"neutral","sentiment_score":0.202307124176751},{"text":"If anything else pops up down the line, whether it comes to investment advice to do with the properties, anything else, we're pretty qualified to give you holistic advice across the board.","start":168.065,"end":178.245,"sentiment":"neutral","sentiment_score":0.12598508561495692},{"text":"Awesome.","start":180.72,"end":181.12,"sentiment":"positive","sentiment_score":0.3802661895751953}],"sentiment":"neutral","sentiment_score":0.14654216530625938,"num_words":61,"start":161.24,"end":181.12},{"sentences":[{"text":"So I'm just gonna quickly run through a couple of things from that document there.","start":181.12,"end":186.66,"sentiment":"neutral","sentiment_score":0.13259525895118712},{"text":"So with your AMP signature super, obviously, you're switching to Hub 24, high growth portfolio.","start":186.72,"end":195.055,"sentiment":"neutral","sentiment_score":0.06369846984744072},{"text":"Did they explain to you the SMA structure for what recommended?","start":195.11499,"end":198.97499,"sentiment":"neutral","sentiment_score":0.02280981076711958},{"text":"Cool.","start":201.995,"end":202.39499,"sentiment":"neutral","sentiment_score":0.1268865019083023},{"text":"So with this SMA, it's called a separately managed account.","start":202.39499,"end":206.39499,"sentiment":"neutral","sentiment_score":0.08992551863193513}],"sentiment":"neutral","sentiment_score":0.08118183728164205,"num_words":52,"start":181.12,"end":206.39499},{"sentences":[{"text":"You can sort of Google those ones too.","start":206.39499,"end":208.33499,"sentiment":"neutral","sentiment_score":0.05770793417468667},{"text":"Basically, the whole point of them is it bubbles up your portfolio on the super.","start":208.62001,"end":213.58,"sentiment":"neutral","sentiment_score":0.3015015721321106},{"text":"So we've got, like, eight or nine investments for you, all really low fee, fantastic performance, but it puts a bubble around it so that we can actually chop and make changes every couple of months with our investment committee and also with BlackRock as well.","start":213.58,"end":227.89499,"sentiment":"positive","sentiment_score":0.4267451944558517},{"text":"So, basically, it just makes it a bit more fluid if that makes sense.","start":229.47499,"end":232.515,"sentiment":"neutral","sentiment_score":0.26937913468905855},{"text":"Normally, with advisers, we get in touch with you, and we give you a new advice document the same as the one you've just gotten for, like, a new one.","start":232.515,"end":239.415,"sentiment":"neutral","sentiment_score":0.20027697086334229}],"sentiment":"neutral","sentiment_score":0.30437241603447274,"num_words":113,"start":206.39499,"end":239.415},{"sentences":[{"text":"But this allows us to keep your portfolio update throughout the year as well.","start":239.51,"end":243.45,"sentiment":"neutral","sentiment_score":0.301812972341265},{"text":"That makes sense?","start":245.34999,"end":246.17,"sentiment":"neutral","sentiment_score":0.20596892138322195},{"text":"Beauty?","start":247.67,"end":248.17,"sentiment":"neutral","sentiment_score":0.23405210673809052},{"text":"When it comes to the insurance side of things, obviously, that was based on what we call a needs analysis.","start":248.87,"end":254.89,"sentiment":"neutral","sentiment_score":0.05847343690693378},{"text":"So making sure your debts are covered, your income's covered, you're protected across the board for life, TPD, and income protection.","start":255.585,"end":261.845,"sentiment":"neutral","sentiment_score":0.08805350178763979}],"sentiment":"neutral","sentiment_score":0.13721919931092505,"num_words":59,"start":239.51,"end":261.845},{"sentences":[{"text":"They're gonna go through a personal statement with you.","start":262.305,"end":265.105,"sentiment":"neutral","sentiment_score":0.01262045299841298},{"text":"Have you ever been through one of those?","start":265.105,"end":266.725,"sentiment":"neutral","sentiment_score":-0.023623723769560456},{"text":"That's okay.","start":270.08,"end":270.63998,"sentiment":"neutral","sentiment_score":0.06874903477728367},{"text":"All it is is when you get an insurance application, they just check health and occupation details.","start":270.63998,"end":275.86,"sentiment":"neutral","sentiment_score":0.012147623169071534},{"text":"We've got we've got most of it, but there's just a couple of things that we get on, like, a recorded call that we, I guess, anonymously shoot through to the insurers to make sure it's gonna go through okay.","start":276.4,"end":287.315,"sentiment":"neutral","sentiment_score":0.022767743468284606}],"sentiment":"neutral","sentiment_score":0.015517259065650012,"num_words":76,"start":262.305,"end":287.315},{"sentences":[{"text":"If there's any issues at all, we basically give you a call and walk you through, like, a plan b or c if we need to.","start":287.615,"end":293.23502,"sentiment":"neutral","sentiment_score":0.018341799589017264},{"text":"Cool.","start":294.27,"end":294.77,"sentiment":"neutral","sentiment_score":0.15270943939685822},{"text":"I think the only thing that we're gonna double check with them was just you had a couple of, like was it the shoulder and the knee with the reconstructions?","start":296.11,"end":303.25,"sentiment":"neutral","sentiment_score":0.00518186700840791},{"text":"Yep.","start":308.525,"end":309.025,"sentiment":"neutral","sentiment_score":-0.026577090844511982},{"text":"Yep.","start":318.53998,"end":319.03998,"sentiment":"neutral","sentiment_score":-0.021911095827817917}],"sentiment":"neutral","sentiment_score":0.01248413647951211,"num_words":59,"start":287.615,"end":319.03998},{"sentences":[{"text":"Cool.","start":324.69998,"end":325.19998,"sentiment":"positive","sentiment_score":0.46472376585006714},{"text":"So one of the things that they do is when you go through that welcome call, they're pretty much going to set you up with, like, quarterly contacts with us, get your security questions down for when you call through so we can protect your details, and then they'll run through those medical questions.","start":325.5,"end":339.60498,"sentiment":"neutral","sentiment_score":0.2173230979177687},{"text":"Just check dates, doctors, symptoms, and and that kind of thing.","start":339.60498,"end":344.26498,"sentiment":"neutral","sentiment_score":0.07580104267055338},{"text":"And that's basically for go ahead.","start":344.405,"end":347.13,"sentiment":"neutral","sentiment_score":0.02371301284680764},{"text":"Sure.","start":362.185,"end":362.425,"sentiment":"neutral","sentiment_score":0.0001694951206445694}],"sentiment":"neutral","sentiment_score":0.1804990423970843,"num_words":73,"start":324.69998,"end":362.425},{"sentences":[{"text":"There's only really two two main doctors.","start":362.425,"end":364.525,"sentiment":"neutral","sentiment_score":-0.02644877747765609},{"text":"Oh, jeez.","start":381.16,"end":381.8,"sentiment":"neutral","sentiment_score":0.05927272140979767},{"text":"That was fun.","start":381.8,"end":382.44,"sentiment":"neutral","sentiment_score":0.24306823313236237},{"text":"How did you do that?","start":382.44,"end":383.5,"sentiment":"neutral","sentiment_score":0.05323458760976792},{"text":"Beauty.","start":389.45502,"end":389.855,"sentiment":"neutral","sentiment_score":0.0448809489607811}],"sentiment":"neutral","sentiment_score":0.054092365937928356,"num_words":18,"start":362.425,"end":389.855},{"sentences":[{"text":"How did that happen?","start":389.855,"end":390.915,"sentiment":"neutral","sentiment_score":-0.015502849128097296},{"text":"Ah, like, okay.","start":392.815,"end":395.775,"sentiment":"neutral","sentiment_score":0.013214292315145334},{"text":"Yeah.","start":395.775,"end":396.015,"sentiment":"neutral","sentiment_score":0.023568877950310707},{"text":"Yeah.","start":396.015,"end":396.51,"sentiment":"neutral","sentiment_score":0.01661151647567749},{"text":"Up in North Queensland or Logan Brothers.","start":398.43002,"end":404.99002,"sentiment":"neutral","sentiment_score":-0.001997719585363354}],"sentiment":"neutral","sentiment_score":0.00023923986009322107,"num_words":16,"start":389.855,"end":404.99002},{"sentences":[{"text":"No way.","start":404.99002,"end":405.65002,"sentiment":"neutral","sentiment_score":-0.006470392923802137},{"text":"Yeah.","start":410.60498,"end":411.005,"sentiment":"neutral","sentiment_score":0.25573450326919556},{"text":"Fantastic.","start":411.005,"end":411.505,"sentiment":"positive","sentiment_score":0.48304885625839233},{"text":"Oh, no.","start":417.645,"end":418.225,"sentiment":"neutral","sentiment_score":-0.12056826055049896},{"text":"Jeez.","start":426.46002,"end":426.78,"sentiment":"neutral","sentiment_score":-0.022492434829473495}],"sentiment":"neutral","sentiment_score":0.06603051682135888,"num_words":7,"start":404.99002,"end":426.78},{"sentences":[{"text":"And you're still doing a few few treatments nowadays catching up and finishing it off?","start":426.78,"end":431.76,"sentiment":"neutral","sentiment_score":-0.01970943169047435},{"text":"Yep.","start":433.115,"end":433.615,"sentiment":"neutral","sentiment_score":-0.016455983743071556},{"text":"Switch occupations for that.","start":443.595,"end":445.29498,"sentiment":"neutral","sentiment_score":-0.07784773595631123},{"text":"Yeah.","start":452.34,"end":452.66,"sentiment":"neutral","sentiment_score":0.23938125371932983},{"text":"Nice.","start":452.66,"end":453.16,"sentiment":"positive","sentiment_score":0.565363883972168}],"sentiment":"neutral","sentiment_score":0.00823894248936664,"num_words":22,"start":426.78,"end":453.16},{"sentences":[{"text":"That's where you want to be rather than limping around on the tools.","start":454.98,"end":457.96,"sentiment":"neutral","sentiment_score":0.27108111633704257},{"text":"Oh, my.","start":482.03,"end":483.15,"sentiment":"neutral","sentiment_score":-0.32572977244853973},{"text":"That doesn't sound fun.","start":483.15,"end":484.605,"sentiment":"neutral","sentiment_score":-0.29118626937270164},{"text":"Damn.","start":496.045,"end":496.545,"sentiment":"neutral","sentiment_score":-0.2359483242034912},{"text":"That's a bit more than a Panadol and a Nurofen, Mhmm.","start":496.78,"end":503.44,"sentiment":"neutral","sentiment_score":-0.1473160988905213}],"sentiment":"neutral","sentiment_score":-0.0047927587743728396,"num_words":31,"start":454.98,"end":503.44},{"sentences":[{"text":"Jeez.","start":513.03503,"end":513.53503,"sentiment":"neutral","sentiment_score":-0.0927424281835556},{"text":"So I didn't even need to go through that level of scan.","start":514.075,"end":516.395,"sentiment":"neutral","sentiment_score":-0.17357592284679413},{"text":"It was just right there.","start":516.395,"end":517.675,"sentiment":"neutral","sentiment_score":-0.09125731885433197},{"text":"Obvious for anyone.","start":517.675,"end":518.735,"sentiment":"neutral","sentiment_score":-0.06320032477378845},{"text":"Yeah.","start":533.225,"end":533.545,"sentiment":"neutral","sentiment_score":-0.02878459170460701}],"sentiment":"neutral","sentiment_score":-0.1295602573928508,"num_words":22,"start":513.03503,"end":533.545},{"sentences":[{"text":"Jeez.","start":533.545,"end":534.045,"sentiment":"neutral","sentiment_score":-0.002218920737504959},{"text":"Also, while I'm on the health questions there, I did want to just quickly let you know the with the vaping and the smokers rates, The basically, once that's, I guess, twelve months free, it's pretty much like a one pager to get that reviewed and removed.","start":535.14496,"end":551.42,"sentiment":"neutral","sentiment_score":-0.033996838739419236},{"text":"So that'll, at some point, chop it down, like, 50% on the price.","start":551.64,"end":556.14,"sentiment":"neutral","sentiment_score":-0.02207185750683913},{"text":"So what we usually do is we do, like, reviews with you every year.","start":558.53503,"end":561.575,"sentiment":"neutral","sentiment_score":0.16873100559626306},{"text":"Like, yeah, there's quarterly catch ups just to see how everything's going, but, like, a full in-depth review every year.","start":561.575,"end":566.875,"sentiment":"neutral","sentiment_score":0.18833499327301978}],"sentiment":"neutral","sentiment_score":0.044651888997146956,"num_words":95,"start":533.545,"end":566.875},{"sentences":[{"text":"And if you're like, hey, mate.","start":567.015,"end":568.53503,"sentiment":"neutral","sentiment_score":0.19302299618721008},{"text":"I love nicotine free for twelve months, we pretty much just fill in a form with you, send it to the insurer, and love your uncle.","start":568.53503,"end":574.31,"sentiment":"neutral","sentiment_score":0.3062387722042891},{"text":"Awesome.","start":576.53,"end":577.03,"sentiment":"positive","sentiment_score":0.7389435172080994},{"text":"Mate, pretty comfortable that you've got a grasp of everything there.","start":577.09,"end":581.43,"sentiment":"positive","sentiment_score":0.7271491072394631},{"text":"Estate planning wise, when you go through that welcome call, are you okay for the team to just prefill beneficiary forms for you for the super and the life insurance?","start":582.095,"end":590.25494,"sentiment":"neutral","sentiment_score":0.25327437619368237}],"sentiment":"positive","sentiment_score":0.3440021761768573,"num_words":74,"start":567.015,"end":590.25494},{"sentences":[{"text":"Because you got your nominee there.","start":590.25494,"end":592.89496,"sentiment":"neutral","sentiment_score":0.1188465307156245},{"text":"You've given all the details.","start":592.89496,"end":594.435,"sentiment":"neutral","sentiment_score":0.1377197414636612},{"text":"Yep.","start":594.65497,"end":595.15497,"sentiment":"neutral","sentiment_score":0.2903446555137634},{"text":"And you've already given through date of birth, address, and everything, so that's perfect.","start":596.04,"end":600.36,"sentiment":"positive","sentiment_score":0.4080331346818379},{"text":"We can prefill those forms with Hub and Neos.","start":600.36,"end":603.1,"sentiment":"neutral","sentiment_score":0.2615624699327681}],"sentiment":"neutral","sentiment_score":0.27881567605904173,"num_words":35,"start":590.25494,"end":603.1},{"sentences":[{"text":"Only thing we can't do for you is set up a will.","start":606.2,"end":608.62,"sentiment":"neutral","sentiment_score":-0.05321330235650142},{"text":"That's something that you guys are gonna have to go do the old $25 will kit from the post office or talk to a lawyer or the public trustee for the state.","start":608.785,"end":617.445,"sentiment":"neutral","sentiment_score":-0.05082254542503506},{"text":"But, again, always recommend to get that sorted as well.","start":617.585,"end":621.27,"sentiment":"neutral","sentiment_score":0.021316962502896785},{"text":"Yeah.","start":629.83,"end":630.15,"sentiment":"neutral","sentiment_score":-0.04407356679439545},{"text":"Pretty much.","start":630.15,"end":630.71,"sentiment":"neutral","sentiment_score":-0.04573306813836098}],"sentiment":"neutral","sentiment_score":-0.038372827367040147,"num_words":57,"start":606.2,"end":630.71},{"sentences":[{"text":"And then, basically, family has to go through to the courts to sort of sue for probate and get access to everything, and it just takes a lot longer, a little bit more cost involved.","start":630.71,"end":640.625,"sentiment":"neutral","sentiment_score":-0.03303772897592613},{"text":"Whereas if something's in a will, if you've got, like, a a house, the shoes, the bank, the car, it can be pretty well direct as long as it's a valid will.","start":640.925,"end":649.56,"sentiment":"neutral","sentiment_score":0.10794481012271717},{"text":"Yeah.","start":653.08,"end":653.4,"sentiment":"neutral","sentiment_score":0.02095090225338936},{"text":"And one of the things too, just as a quick pointer.","start":653.4,"end":655.58,"sentiment":"neutral","sentiment_score":-0.062405933287333355},{"text":"No.","start":656.68,"end":657.18,"sentiment":"neutral","sentiment_score":-0.2284913957118988}],"sentiment":"neutral","sentiment_score":0.017548845626879483,"num_words":80,"start":630.71,"end":657.18},{"sentences":[{"text":"No one does.","start":657.72,"end":658.68,"sentiment":"neutral","sentiment_score":-0.3137642244497935},{"text":"And look, as you get down the line and you get more assets under your belt and things like that, it's probably gets more and more important as your your finances get more complex, if that makes sense.","start":658.68,"end":668.155,"sentiment":"neutral","sentiment_score":-0.07855443401556265},{"text":"But the one thing that I wanna just remind you as well is those will kits from the post office, you can also get a power of attorney kit for $25 as well.","start":670.215,"end":679.35,"sentiment":"neutral","sentiment_score":0.05195024914362214},{"text":"Do you remember what power of attorney does?","start":679.43,"end":681.52997,"sentiment":"neutral","sentiment_score":0.0027563864132389426},{"text":"Perfect.","start":697.845,"end":698.345,"sentiment":"neutral","sentiment_score":0.2843368351459503}],"sentiment":"neutral","sentiment_score":-0.0229592170813177,"num_words":83,"start":657.72,"end":698.345},{"sentences":[{"text":"Perfect.","start":698.485,"end":698.885,"sentiment":"neutral","sentiment_score":0.2779257893562317},{"text":"Yep.","start":698.885,"end":699.205,"sentiment":"neutral","sentiment_score":0.1140589714050293},{"text":"So it's while you're still here, you can't act on your own.","start":699.205,"end":702.325,"sentiment":"neutral","sentiment_score":-0.035522952831039824},{"text":"So someone there's financial and medical.","start":702.325,"end":704.745,"sentiment":"neutral","sentiment_score":-0.06550628350426753},{"text":"Yeah.","start":706.74,"end":707.24,"sentiment":"neutral","sentiment_score":-0.08078373968601227}],"sentiment":"neutral","sentiment_score":-0.0241958149487064,"num_words":21,"start":698.485,"end":707.24},{"sentences":[{"text":"Who can access the bank accounts, who can talk to the doctors, that kind of thing.","start":707.38,"end":711.16,"sentiment":"neutral","sentiment_score":-0.14067091885954142},{"text":"Beauty.","start":712.82,"end":713.32,"sentiment":"neutral","sentiment_score":0.06456388533115387},{"text":"Last thing I'll just touch on is the with the fees with us.","start":714.26,"end":718.2,"sentiment":"neutral","sentiment_score":0.028645700560166285},{"text":"So we've got the upfront fee coming out of the super for three nine four nine.","start":718.35504,"end":723.09503,"sentiment":"neutral","sentiment_score":0.06717724190093577},{"text":"15 percent rebate comes off of that straight away.","start":723.635,"end":726.375,"sentiment":"neutral","sentiment_score":0.15853674130307305}],"sentiment":"neutral","sentiment_score":0.012507087872786956,"num_words":55,"start":707.38,"end":726.375},{"sentences":[{"text":"You've got anytime we put in place, like insurances, you get the 66% upfront for the first year's premiums, come to us for setting it up.","start":726.67505,"end":736.05,"sentiment":"neutral","sentiment_score":0.11945920924727733},{"text":"It's the same across all insurers.","start":736.05,"end":737.75,"sentiment":"neutral","sentiment_score":0.08868244228263696},{"text":"If you ever need to claim on anything, obviously, you probably call your family first if major injury happens, but you can call us second, and we can help you actually through the claims process and liaise with the insurer on your behalf.","start":738.77,"end":750.52496,"sentiment":"neutral","sentiment_score":0.028103617041610008},{"text":"Beauty.","start":753.225,"end":753.725,"sentiment":"neutral","sentiment_score":0.12358547002077104},{"text":"Yeah.","start":756.26495,"end":756.50494,"sentiment":"neutral","sentiment_score":-0.10795111954212187}],"sentiment":"neutral","sentiment_score":0.06314446723886899,"num_words":77,"start":726.67505,"end":756.50494},{"sentences":[{"text":"No, mate.","start":756.50494,"end":756.985,"sentiment":"neutral","sentiment_score":-0.32137469947338104},{"text":"We're we're there.","start":756.985,"end":757.785,"sentiment":"neutral","sentiment_score":-0.2363708863655726},{"text":"We do a lot of claims advice.","start":757.785,"end":759.225,"sentiment":"neutral","sentiment_score":-0.2267743136201586},{"text":"You get people who are TPD, never work again.","start":759.225,"end":761.79,"sentiment":"negative","sentiment_score":-0.3357460962401496},{"text":"Here's a million dollars.","start":761.79,"end":762.75,"sentiment":"neutral","sentiment_score":-0.2648667711764574}],"sentiment":"neutral","sentiment_score":-0.28081856817007067,"num_words":25,"start":756.50494,"end":762.75},{"sentences":[{"text":"How do you make it last?","start":762.75,"end":763.97,"sentiment":"neutral","sentiment_score":0.1367890015244484},{"text":"We basically go to bat for them with the insurers and help them through the process and then help try and invest it to for them to live on for thirty, forty years.","start":764.35,"end":773.00995,"sentiment":"neutral","sentiment_score":0.3266484954140403},{"text":"Beauty.","start":775.21497,"end":775.71497,"sentiment":"positive","sentiment_score":0.6677117943763733},{"text":"Mate, that's pretty much everything for me.","start":776.575,"end":778.575,"sentiment":"positive","sentiment_score":0.7123454638889858},{"text":"Any questions so far?","start":778.575,"end":780.035,"sentiment":"neutral","sentiment_score":0.2807651683688164}],"sentiment":"positive","sentiment_score":0.360339707311462,"num_words":51,"start":762.75,"end":780.035},{"sentences":[{"text":"Okay.","start":795.15,"end":795.65,"sentiment":"neutral","sentiment_score":0.14274020493030548},{"text":"Yes.","start":809.48505,"end":809.805,"sentiment":"neutral","sentiment_score":0.0030783340334892273},{"text":"So there's a couple of ways to do it.","start":809.805,"end":811.77,"sentiment":"neutral","sentiment_score":0.13634099811315536},{"text":"Let's say you get a cash bonus and you wanna put chuck it in your server.","start":811.77,"end":815.07,"sentiment":"neutral","sentiment_score":0.11838218383491039},{"text":"We can give you BPAY or EFT details for you to transfer it into your Hub's bank account that's attached to your account.","start":815.93,"end":824.03,"sentiment":"neutral","sentiment_score":0.12475350304790166}],"sentiment":"neutral","sentiment_score":0.12272666066884995,"num_words":50,"start":795.15,"end":824.03},{"sentences":[{"text":"Once that's in there, to claim that as, like, a tax deduction similar to your employer contributions, we do a form called an NOI, notice of intent claim form.","start":824.17,"end":836.035,"sentiment":"neutral","sentiment_score":0.11079395678022812},{"text":"And, basically, you chuck $5 in.","start":836.175,"end":838.115,"sentiment":"neutral","sentiment_score":0.0720713979875048},{"text":"We prefill a form saying that you wanna claim your 5 grands.","start":838.175,"end":841.315,"sentiment":"neutral","sentiment_score":0.12358305044472218},{"text":"As long as you submit that in the same financial year before you do your tax return, that'll come through okay.","start":841.46,"end":849.0,"sentiment":"neutral","sentiment_score":0.11325477276529584},{"text":"Yeah.","start":854.35504,"end":854.59503,"sentiment":"neutral","sentiment_score":0.24047189950942993}],"sentiment":"neutral","sentiment_score":0.11227930242708628,"num_words":69,"start":824.17,"end":854.59503},{"sentences":[{"text":"That's right.","start":854.59503,"end":855.075,"sentiment":"neutral","sentiment_score":0.2878245711326599},{"text":"So when you put into super, you can claim it as concessional, and then it's taxed at 15%.","start":855.075,"end":859.41504,"sentiment":"neutral","sentiment_score":0.24271483139859307},{"text":"So if you're on 32, 37%, you get to save that 22 on the dollar.","start":859.47504,"end":865.255,"sentiment":"positive","sentiment_score":0.40966048240661623},{"text":"Yep.","start":867.64996,"end":868.14996,"sentiment":"neutral","sentiment_score":0.14477777481079102},{"text":"So is this something that's gonna happen?","start":868.29,"end":876.55,"sentiment":"neutral","sentiment_score":-0.04660253279975483}],"sentiment":"neutral","sentiment_score":0.2536740322965522,"num_words":43,"start":854.59503,"end":876.55},{"sentences":[{"text":"You reckon that's gonna happen before June 30, or is it more just next financial year?","start":877.985,"end":882.245,"sentiment":"neutral","sentiment_score":-0.0887132880743593},{"text":"Okay.","start":886.625,"end":887.125,"sentiment":"neutral","sentiment_score":0.18668192625045776},{"text":"Alright.","start":887.265,"end":887.745,"sentiment":"neutral","sentiment_score":0.26221102476119995},{"text":"So two ways is if you get, like, a pay increase and you wanna do some regular salary sacrifice, your employee can do that automatically through the payroll, takes it out before it gets taxed.","start":887.745,"end":898.62,"sentiment":"neutral","sentiment_score":0.3134244275944574},{"text":"You get the leftover, and that already gives you, like, an instant tax deduction.","start":899.0,"end":903.02,"sentiment":"positive","sentiment_score":0.48513609383787426}],"sentiment":"neutral","sentiment_score":0.250615531662062,"num_words":67,"start":877.985,"end":903.02},{"sentences":[{"text":"If you get a lump sum cash bonus, that's like what I said before.","start":903.56,"end":907.26,"sentiment":"positive","sentiment_score":0.4500450853790556},{"text":"You chuck it into your super.","start":907.305,"end":908.90497,"sentiment":"positive","sentiment_score":0.3975380063056946},{"text":"You claim it with your tax return.","start":908.90497,"end":910.685,"sentiment":"positive","sentiment_score":0.3365221747330257},{"text":"Cool.","start":912.90497,"end":913.305,"sentiment":"positive","sentiment_score":0.4741980731487274},{"text":"So anything at all happens, just give us a buzz.","start":913.305,"end":915.945,"sentiment":"neutral","sentiment_score":0.27277708053588867}],"sentiment":"positive","sentiment_score":0.37482850880999313,"num_words":38,"start":903.56,"end":915.945},{"sentences":[{"text":"We'll try and contact you around end of financial year.","start":915.945,"end":918.585,"sentiment":"neutral","sentiment_score":0.21591549515724182},{"text":"But if anything pops up, just give us a buzz, and I'll walk you through it.","start":918.585,"end":921.75,"sentiment":"neutral","sentiment_score":0.24338997388258576},{"text":"You've got it.","start":939.925,"end":940.645,"sentiment":"neutral","sentiment_score":0.23346851766109467},{"text":"That's, like, 3, 400 grands.","start":940.645,"end":942.34503,"sentiment":"neutral","sentiment_score":0.3205425709486008},{"text":"Yeah.","start":944.245,"end":944.405,"sentiment":"neutral","sentiment_score":0.1427498310804367}],"sentiment":"neutral","sentiment_score":0.24283607921430042,"num_words":35,"start":915.945,"end":944.405},{"sentences":[{"text":"Absolutely.","start":944.405,"end":944.905,"sentiment":"neutral","sentiment_score":0.27208465337753296},{"text":"Cool.","start":946.74005,"end":947.24005,"sentiment":"positive","sentiment_score":0.4303552806377411},{"text":"I'll make a few notes on your file about that.","start":947.38,"end":949.38,"sentiment":"neutral","sentiment_score":0.24281215965747832},{"text":"But, again, give us a call if you get the chance to do it, and we'll help you through the process.","start":949.38,"end":954.12006,"sentiment":"neutral","sentiment_score":0.19002577023846762},{"text":"Yeah.","start":965.315,"end":965.815,"sentiment":"neutral","sentiment_score":0.046140097081661224}],"sentiment":"neutral","sentiment_score":0.21080125890233936,"num_words":34,"start":944.405,"end":965.815},{"sentences":[{"text":"That's one of my favorite things is when you set someone up with a pension account that's got a million dollars in it, and they're basically just, here's your monthly pension coming out that they're living on, and they go, oh, I need a new car.","start":968.915,"end":979.15,"sentiment":"neutral","sentiment_score":0.24355714201279308},{"text":"Pull out $20.30 grand, go and buy it.","start":979.53,"end":981.79004,"sentiment":"positive","sentiment_score":0.3820222557655403},{"text":"One of the things that we do is just go, hey.","start":981.93,"end":983.77,"sentiment":"neutral","sentiment_score":0.25252293050289154},{"text":"You're on your fifth or sixth whole load of Europe.","start":983.77,"end":985.89,"sentiment":"neutral","sentiment_score":0.07852075211703777},{"text":"You should probably slow down because you're gonna run out of money.","start":985.89,"end":988.155,"sentiment":"negative","sentiment_score":-0.3405093600352605}],"sentiment":"neutral","sentiment_score":0.15528641580495722,"num_words":87,"start":968.915,"end":988.155},{"sentences":[{"text":"But other than that, again, like you said, once you're comfortable, you can just pull it out as you need to.","start":988.23505,"end":993.215,"sentiment":"positive","sentiment_score":0.34673839310805005},{"text":"Yep.","start":1000.23505,"end":1000.73505,"sentiment":"neutral","sentiment_score":0.21028679609298703},{"text":"Yeah.","start":1009.86,"end":1010.36,"sentiment":"neutral","sentiment_score":-0.10460765659809113},{"text":"Yeah.","start":1039.265,"end":1039.665,"sentiment":"neutral","sentiment_score":0.23469215631484985},{"text":"And can I ask you as well?","start":1039.665,"end":1042.405,"sentiment":"neutral","sentiment_score":0.15371630021503993}],"sentiment":"neutral","sentiment_score":0.28057715008335726,"num_words":31,"start":988.23505,"end":1042.405},{"sentences":[{"text":"So you've got, what, like, a twelve week old and a three year old?","start":1043.8251,"end":1047.925,"sentiment":"neutral","sentiment_score":0.03650351866547551},{"text":"Yeah.","start":1056.16,"end":1056.4801,"sentiment":"neutral","sentiment_score":-0.05997072905302048},{"text":"So thinking sort of front to back, once you've got your super built up to that level that you can pull out a few $100 helping with the property, One of the things that we can do down the line too is a bit of personal investments to help set them up when they're 18.","start":1056.4801,"end":1069.5549,"sentiment":"neutral","sentiment_score":0.20390146293423392},{"text":"There's some tax paid child builder bonds that we can look at.","start":1070.495,"end":1074.4349,"sentiment":"neutral","sentiment_score":0.22294426709413528},{"text":"There's shares, managed funds.","start":1074.495,"end":1076.0149,"sentiment":"neutral","sentiment_score":0.18152590095996857}],"sentiment":"neutral","sentiment_score":0.1751987651466977,"num_words":86,"start":1043.8251,"end":1076.0149},{"sentences":[{"text":"There's all kinds of things that we can do.","start":1076.0149,"end":1078.115,"sentiment":"neutral","sentiment_score":0.3111192153559791},{"text":"So when it comes to review time, once everything's stable with you and your partner, we can kind of start talking you through, okay, over the next five, ten, fifteen years, what can we build up for them for when they're 18 as well.","start":1078.3301,"end":1089.7101,"sentiment":"neutral","sentiment_score":0.12792621307413687},{"text":"Perfect.","start":1093.7051,"end":1094.2051,"sentiment":"positive","sentiment_score":0.65561842918396},{"text":"Awesome, man.","start":1095.2251,"end":1095.9451,"sentiment":"positive","sentiment_score":0.7464938759803772},{"text":"Well, I really appreciate you taking my call today because, again, I just wanna make sure that you understood everything, you were comfortable with it.","start":1095.9451,"end":1102.5,"sentiment":"positive","sentiment_score":0.6249410128593444}],"sentiment":"neutral","sentiment_score":0.32346861501350815,"num_words":81,"start":1076.0149,"end":1102.5},{"sentences":[{"text":"And, again, I'll put some notes in your account about the contributions, future investments to look at.","start":1102.74,"end":1108.44,"sentiment":"positive","sentiment_score":0.37437016297789183},{"text":"And, mate, I look forward to chatting with you again when we do the reviews and, end of financial year.","start":1108.5,"end":1113.8,"sentiment":"positive","sentiment_score":0.5598860114812851},{"text":"You'll be looked after by about two, three people, so you'll have access to Savvy, myself, and our team.","start":1120.115,"end":1126.055,"sentiment":"neutral","sentiment_score":0.21737918257713318},{"text":"Basically, if you need something, whoever's available will jump on as soon as possible just to keep the contact fluid.","start":1127.01,"end":1132.15,"sentiment":"neutral","sentiment_score":0.16072586178779602},{"text":"And then if they need to escalate it up and book them in with me or Sevi, we can do that.","start":1132.29,"end":1137.25,"sentiment":"neutral","sentiment_score":0.1601578483269328}],"sentiment":"neutral","sentiment_score":0.29144380948285464,"num_words":97,"start":1102.74,"end":1137.25},{"sentences":[{"text":"Just it's all on a calendar basis.","start":1137.25,"end":1139.41,"sentiment":"neutral","sentiment_score":0.13386486364262445},{"text":"That's all.","start":1139.41,"end":1140.075,"sentiment":"neutral","sentiment_score":0.10115748643875122},{"text":"So if you call in, I wanna make sure you talk to straight away.","start":1140.1549,"end":1143.215,"sentiment":"neutral","sentiment_score":-0.07317012974194118},{"text":"It's weird, isn't it?","start":1160.09,"end":1161.61,"sentiment":"neutral","sentiment_score":-0.15722631290555},{"text":"You get all the stuff set up from the employer.","start":1161.61,"end":1163.69,"sentiment":"neutral","sentiment_score":-0.1966370403766632}],"sentiment":"neutral","sentiment_score":-0.06703482306486852,"num_words":37,"start":1137.25,"end":1163.69},{"sentences":[{"text":"They take the fees, but you never hear from them.","start":1163.69,"end":1165.77,"sentiment":"neutral","sentiment_score":-0.2124883785843849},{"text":"And then all of a sudden, it takes a whole industry of advisers running around contacting people saying, hey.","start":1165.77,"end":1170.8451,"sentiment":"neutral","sentiment_score":-0.20237247332146294},{"text":"Have you looked at it?","start":1170.8451,"end":1171.645,"sentiment":"neutral","sentiment_score":-0.1655547946691513},{"text":"Have you changed it?","start":1171.645,"end":1172.765,"sentiment":"neutral","sentiment_score":-0.21929487586021423},{"text":"We're kind of these just independent cowboys floating around trying to fix it all up when they should have done that ages ago.","start":1172.765,"end":1178.305,"sentiment":"neutral","sentiment_score":-0.3281299841144811}],"sentiment":"neutral","sentiment_score":-0.24953940803887414,"num_words":61,"start":1163.69,"end":1178.305},{"sentences":[{"text":"Oh, mate.","start":1181.9,"end":1182.3,"sentiment":"neutral","sentiment_score":-0.051450058817863464},{"text":"We're down to, I think and did you did you actually do a call to set it up, or would it just been sign something with the employer and off you go?","start":1182.3,"end":1191.195,"sentiment":"neutral","sentiment_score":-0.012490963723394088},{"text":"Yeah?","start":1195.115,"end":1195.615,"sentiment":"neutral","sentiment_score":-0.03192530944943428},{"text":"Oh, yeah.","start":1198.3949,"end":1198.955,"sentiment":"neutral","sentiment_score":-0.08731971681118011},{"text":"Jeez.","start":1198.955,"end":1199.195,"sentiment":"neutral","sentiment_score":-0.09510599076747894}],"sentiment":"neutral","sentiment_score":-0.021165307647989767,"num_words":38,"start":1181.9,"end":1199.195},{"sentences":[{"text":"You would have been one of those guys that AMP set up, and then when they got out of the industry, would have been orphans.","start":1199.195,"end":1205.24,"sentiment":"neutral","sentiment_score":-0.13868583261966705},{"text":"That guy would have left and started his own gig, and they would have just put you on a list on the back burner.","start":1205.62,"end":1211.24,"sentiment":"neutral","sentiment_score":-0.16242231087138256},{"text":"Oh, yeah.","start":1214.98,"end":1215.46,"sentiment":"neutral","sentiment_score":0.01711814571171999},{"text":"I might even look him up on the register and see if he's still practicing.","start":1215.46,"end":1218.4401,"sentiment":"neutral","sentiment_score":0.012976181134581566},{"text":"That'll be interesting to find out, but maybe he's retired.","start":1218.755,"end":1221.795,"sentiment":"neutral","sentiment_score":-0.029353313334286212}],"sentiment":"neutral","sentiment_score":-0.09776230791191522,"num_words":76,"start":1199.195,"end":1221.795},{"sentences":[{"text":"Who knows?","start":1221.795,"end":1222.4551,"sentiment":"neutral","sentiment_score":-0.027539334259927273},{"text":"Yep.","start":1227.635,"end":1228.135,"sentiment":"neutral","sentiment_score":-0.0015239007771015167},{"text":"And how many years ago was that?","start":1229.795,"end":1231.56,"sentiment":"neutral","sentiment_score":-0.012778085789510183},{"text":"Jeez.","start":1234.1201,"end":1234.6201,"sentiment":"neutral","sentiment_score":0.02213510125875473},{"text":"Only the only thing with us, mate, is we call, text, and email.","start":1235.4801,"end":1239.3201,"sentiment":"neutral","sentiment_score":0.023821146585620366}],"sentiment":"neutral","sentiment_score":0.007740034877012174,"num_words":24,"start":1221.795,"end":1239.3201},{"sentences":[{"text":"You let us know how much is too much or too little, and we'll sort of tailor it to you a little bit.","start":1239.3201,"end":1244.085,"sentiment":"neutral","sentiment_score":-0.0011281576817450316},{"text":"Yep.","start":1270.4349,"end":1270.9349,"sentiment":"neutral","sentiment_score":0.007360103540122509},{"text":"That's fantastic, mate.","start":1276.4349,"end":1277.5549,"sentiment":"positive","sentiment_score":0.774731437365214},{"text":"We're gonna get along very well.","start":1277.5549,"end":1279.095,"sentiment":"positive","sentiment_score":0.6810149351755778},{"text":"So I'll make sure you're plugged in for some quarterly catch ups.","start":1279.155,"end":1282.29,"sentiment":"neutral","sentiment_score":0.24677246560653052}],"sentiment":"neutral","sentiment_score":0.20784368860638805,"num_words":45,"start":1239.3201,"end":1282.29},{"sentences":[{"text":"Anything pops up in your life, like you mentioned, with the pay increases and bonuses, just give us a buzz, and we'll have a chat.","start":1282.4501,"end":1288.15,"sentiment":"positive","sentiment_score":0.402175752222538},{"text":"Awesome, Jake.","start":1290.13,"end":1290.6901,"sentiment":"positive","sentiment_score":0.7344383597373962},{"text":"Mate, anything else for me before I let you go?","start":1290.6901,"end":1292.63,"sentiment":"neutral","sentiment_score":0.3045522063970566},{"text":"Awesome, dude.","start":1294.545,"end":1295.1051,"sentiment":"positive","sentiment_score":0.7401512563228607},{"text":"Well, you have a fantastic week, and we'll talk to you at that welcome call.","start":1295.1051,"end":1299.925,"sentiment":"positive","sentiment_score":0.7554734985033671}],"sentiment":"positive","sentiment_score":0.5070592144297229,"num_words":54,"start":1282.4501,"end":1299.925},{"sentences":[{"text":"No worries at all, mate.","start":1305.7109,"end":1306.8309,"sentiment":"positive","sentiment_score":0.5511978268623352},{"text":"Looking forward to it.","start":1306.8309,"end":1307.631,"sentiment":"positive","sentiment_score":0.762422040104866},{"text":"Cheers.","start":1307.631,"end":1308.131,"sentiment":"positive","sentiment_score":0.652317464351654},{"text":"Bye.","start":1309.631,"end":1310.131,"sentiment":"neutral","sentiment_score":-0.1120745837688446}],"sentiment":"positive","sentiment_score":0.57690183411945,"num_words":11,"start":1305.7109,"end":1310.131}]}}]},{"alternatives":[{"transcript":"Hi. You've reached Jake Spine. Hi, mate. Hello? Oh. Yep. Yep. Sorry. I went to answering it sent you the voice mail. Yeah. It was good. I had a half chicken from Nando's. It's delicious. Yeah. I've had that for ages. Yep. Mhmm. Yep. Yep. Yeah. That's fine. Really? Like, I was keen to execute it the first time I did it however many years ago that was. And I was just a bit hesitant being a bit younger and knew nothing about you guys. And since then, I've done some research and figured out that it's an Australian business and based out of Southport on the Gold Coast and then went through, like, half of your reviews, and it's all pretty positive. So I was like, oh, I'll give you a go. Yep. Oh, sweet. I'm a take care for that. Yep. That's alright. It was just when I was younger, and then as you get older, you start to research things and and whatnot. And I started getting over some shares and some crypto and went out of that. And then I was like, I'm just gonna let don't sing any from now on. And if I need help, people pay me good money to fix air cons and install air cons. So I pay people good money to look after my finances because I don't know how to do it. I'm not qualified. Yep. Yeah. Okay. Sweet. Well, definitely. Yep. Don't believe so. Yep. Yep. Yeah. Okay. Yep. Mhmm. Don't think so. Okay. Yeah. Yep. Yep. Okay. I've had meniscal repair meniscal repairs on my right knee, three of them. So I've had my meniscus repaired three times and some cartilage removed out of my right knee. So we'll have to get that reconstructed down the track. That was the advice given from the orthopedic surgeon at the time. Yep. Yeah. Well, one, yeah, one one of the doctors did the same doctor did my knee three times, three separate incidents. That same doctor did my right shoulder, and then my recent doctor, when I was living in Townsville, he did my left one. Yeah. That's it. Two doctors. One that did my knee and right shoulder and the other doctor that did my left shoulder, just partial arthroscopy repairs of tendons that I had almost oh, sorry. Not tendons, ligaments that I almost severed. So they put them back together and pre anchored them to the bone and tissue and all that sort of stuff and cleaned it up. Shoulder decompression surgery. That's what it's called. The right one was from NRL. I was playing professionally NRL. The knee was from NRL. No. In in Brisbane, I was playing for Logan Brothers. So, yeah, South Logan, pretty well, Raiders and Broncos feed the teams. That was my trial game for a grade when I was 18. I got taken off on a stretcher. I called held, and some fella just come in and cannibal my right leg and just felt to go straight away. I was like, oh, that hurts. Straight to straight to surgery. No. It's not too bad now. Like, I'm 30 now. It's twelve years on. In the winter, it gets a little bit stiff and a bit sore sometimes. That time in the office now, not on the pills. It just hurts. Same occupation just got promoted up in the management, so I'm also in the office than I am out in the field. I control the business now rather than perform the work. Yeah. And then my shoulder, right shoulder was from foot had problems with it, and then a drunken night on the drink down the Gold Coast. I had a friend's property, and somehow I was leaning on the back of the quad, And they took off, and I didn't even realize that they'd taken off. And, yeah, I forgot to let go. And my arm went with the cord and just ripped it straight out the socket. Dislocated it, and it yeah. Now it went back in, but took all the tendons with it. That hurt. I didn't feel it that night. I felt it in the morning when I woke up, and I was so bothered. Oh, that was and then, yeah, I couldn't couldn't lift it above my head at all. Yeah. Yeah. It was pretty bad. Like, normally, you need an MRI to pick up those sorts of tears. The tears in my right shoulder showed up on an ultrasound. That's how big they were. Yeah. And then the left shoulder, same thing. There was three or four tears in that one on an ultrasound and the MRI showed how in-depth they actually were when it wasn't getting better with physio. They sent me for an MRI and said, oh, we're actually gonna have to operate to fix this. That was playing golf. Yep. Yep. Okay. Yes. Right. Yeah. Yeah. That's fine. It's my fiance. Yeah. Yep. Yep. Well, this is what happens if you don't? Essentially, goes to a trustee or something and gets held up or something rather. Yeah. Okay. Yeah. Okay. Sweet. I'll look into that. Not that I intend on anything happening anytime soon, but you never know. Yeah. Yeah. Yep. They pretty much, like, if you die, they're like an executor of your will sort of thing. They have they tell the medical professionals sort of what to do if you're in a capacity incapacitated state and can't speak for yourself. So I had a head injury, and I turned into a vegetable, and I couldn't couldn't talk. Yeah. Yep. Yep. Yep. Yep. Okay. That's good. I didn't have that with AMP. I didn't do it all myself. Yeah. The only one I've got is, like, additional super contributions and whatnot. So I think I'm about to get a promotion at work that may involve, like, bonuses and stuff. For those, if it was a cash bonus, so to speak, do I just ring you guys and say, hey. I've just gotten this amount of dollars. Can you deposit that in the hub, or do I deposit that all that? Can you assist with that? Because I would have no idea how to do it. I've never done it before. Okay. Okay. Okay. Oh, okay. So your super contribution is actually a tax deduction. Oh, okay. I didn't know that. I might look at doing that when this new salary comes in. If it's a fair bit more than what I'm on now, I might put some more under super. April, May, I've been told. Yep. Okay. Cool. Yep. Yeah. Yeah. And I'll sleep. But even if it's a $100, that's $5.02 a year, and then that's on top of your super plus your growth of your percentage increase. In thirty years, that's a $150, but it's not a $150. It's a $150 over thirty years that's been compounding. So it makes a big difference. Yeah. So I might look at doing something like that. Yeah. Yeah. As I said to say, ultimately, I just wanna be comfortable when I retire, if I wanna go play golf or I wanna take my boat over to the day. I don't have to check the bank account and go, oh, can I afford to fill it up? I just wanna be able to go to the, fill it up, and away I go. Yeah. Yeah. I said to Fabian, I'll probably I'm gonna talk to missus Asava and gonna try and get her to do a review with you guys as well. Because the big thing for us, especially with today's market and price and whatnot, is our kids. How the hell are they gonna get a house? Like, in 30 years' time, they'll be struggling. So if I can if me and the missus can contribute even if it's $50 a week or a $100 a week extra to super, and then that 2,200,000.0 or whatever the forecast was grows to say 2.6, 2.8, or even three, I can go, hey. I'm gonna pull $400 out straightaway and give 200 to each of my kids to help them get a house. Yeah. So, essentially, I wanna be comfortable, but my kids are at my forefront. So I wanna make sure my kids are looked after if anything ever was ever happened to me. So that I don't go with it. Yep. Yep. Yeah. That's something we're both definitely interested in to try and help them out. Sounds good. So you're gonna be my point of call for the portfolio? Will that be steady? Okay. Yep. Yeah. No. That was that was the main reason I took the call and essentially approved the the switch. So I think I've been with AMP since I was 18, and I've been contacted about that many times. I haven't heard from them once. Yeah. I've never heard from them since it was set up. It was the initial call to set it up, and then that was it. No. It was a call with that whoever was on that portfolio to set it up originally. I have never heard from any chance. Yeah. Anthony Gerard James was his name. Yeah. And I I just know that my portfolio has been him since it was started, and I've never heard from the bloke. Twelve. I'm a yeah. You'll learn pretty quickly, but I'm a person that thrives off communication. That's how I run this business. That's how I communicate with friends and family. Like, communication is of utmost importance. If you're not communicating with me, then I'll shop around for somebody else because I wanna know what's going on with it. If there's a way that I can improve it, I wanna be the first person to know so that we can action it and jump on it. I am a bit of a risk taker, but, again, I wanna see the best growth for my super so I can retire comfortably and help my children. Yep. Sounds good. No. That was all. Awesome. Thanks, man. Same to you. Appreciate the call and what you and the team have done so far. Alright. Thanks, man. 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You've reached Jake Spine. Hi, mate. Hello? Oh.\n\nYep. Yep. Sorry. I went to answering it sent you the voice mail. Yeah.\n\nIt was good. I had a half chicken from Nando's. It's delicious. Yeah. I've had that for ages.\n\nYep. Mhmm. Yep. Yep. Yeah.\n\nThat's fine. Really? Like, I was keen to execute it the first time I did it however many years ago that was. And I was just a bit hesitant being a bit younger and knew nothing about you guys. And since then, I've done some research and figured out that it's an Australian business and based out of Southport on the Gold Coast and then went through, like, half of your reviews, and it's all pretty positive.\n\nSo I was like, oh, I'll give you a go. Yep. Oh, sweet. I'm a take care for that. Yep.\n\nThat's alright. It was just when I was younger, and then as you get older, you start to research things and and whatnot. And I started getting over some shares and some crypto and went out of that. And then I was like, I'm just gonna let don't sing any from now on. And if I need help, people pay me good money to fix air cons and install air cons.\n\nSo I pay people good money to look after my finances because I don't know how to do it. I'm not qualified. Yep. Yeah. Okay.\n\nSweet. Well, definitely. Yep. Don't believe so. Yep.\n\nYep. Yeah. Okay. Yep. Mhmm.\n\nDon't think so. Okay. Yeah. Yep. Yep.\n\nOkay. I've had meniscal repair meniscal repairs on my right knee, three of them. So I've had my meniscus repaired three times and some cartilage removed out of my right knee. So we'll have to get that reconstructed down the track. That was the advice given from the orthopedic surgeon at the time.\n\nYep. Yeah. Well, one, yeah, one one of the doctors did the same doctor did my knee three times, three separate incidents. That same doctor did my right shoulder, and then my recent doctor, when I was living in Townsville, he did my left one. Yeah.\n\nThat's it. Two doctors. One that did my knee and right shoulder and the other doctor that did my left shoulder, just partial arthroscopy repairs of tendons that I had almost oh, sorry. Not tendons, ligaments that I almost severed. So they put them back together and pre anchored them to the bone and tissue and all that sort of stuff and cleaned it up.\n\nShoulder decompression surgery. That's what it's called. The right one was from NRL. I was playing professionally NRL. The knee was from NRL.\n\nNo. In in Brisbane, I was playing for Logan Brothers. So, yeah, South Logan, pretty well, Raiders and Broncos feed the teams. That was my trial game for a grade when I was 18. I got taken off on a stretcher.\n\nI called held, and some fella just come in and cannibal my right leg and just felt to go straight away. I was like, oh, that hurts. Straight to straight to surgery. No. It's not too bad now.\n\nLike, I'm 30 now. It's twelve years on. In the winter, it gets a little bit stiff and a bit sore sometimes. That time in the office now, not on the pills. It just hurts.\n\nSame occupation just got promoted up in the management, so I'm also in the office than I am out in the field. I control the business now rather than perform the work. Yeah. And then my shoulder, right shoulder was from foot had problems with it, and then a drunken night on the drink down the Gold Coast. I had a friend's property, and somehow I was leaning on the back of the quad, And they took off, and I didn't even realize that they'd taken off.\n\nAnd, yeah, I forgot to let go. And my arm went with the cord and just ripped it straight out the socket. Dislocated it, and it yeah. Now it went back in, but took all the tendons with it. That hurt.\n\nI didn't feel it that night. I felt it in the morning when I woke up, and I was so bothered. Oh, that was and then, yeah, I couldn't couldn't lift it above my head at all. Yeah. Yeah.\n\nIt was pretty bad. Like, normally, you need an MRI to pick up those sorts of tears. The tears in my right shoulder showed up on an ultrasound. That's how big they were. Yeah.\n\nAnd then the left shoulder, same thing. There was three or four tears in that one on an ultrasound and the MRI showed how in-depth they actually were when it wasn't getting better with physio. They sent me for an MRI and said, oh, we're actually gonna have to operate to fix this. That was playing golf. Yep.\n\nYep. Okay. Yes. Right. Yeah.\n\nYeah. That's fine. It's my fiance. Yeah. Yep.\n\nYep. Well, this is what happens if you don't? Essentially, goes to a trustee or something and gets held up or something rather. Yeah. Okay.\n\nYeah. Okay. Sweet. I'll look into that. Not that I intend on anything happening anytime soon, but you never know.\n\nYeah. Yeah. Yep. They pretty much, like, if you die, they're like an executor of your will sort of thing. They have they tell the medical professionals sort of what to do if you're in a capacity incapacitated state and can't speak for yourself.\n\nSo I had a head injury, and I turned into a vegetable, and I couldn't couldn't talk. Yeah. Yep. Yep. Yep.\n\nYep. Okay. That's good. I didn't have that with AMP. I didn't do it all myself.\n\nYeah. The only one I've got is, like, additional super contributions and whatnot. So I think I'm about to get a promotion at work that may involve, like, bonuses and stuff. For those, if it was a cash bonus, so to speak, do I just ring you guys and say, hey. I've just gotten this amount of dollars.\n\nCan you deposit that in the hub, or do I deposit that all that? Can you assist with that? Because I would have no idea how to do it. I've never done it before. Okay.\n\nOkay. Okay. Oh, okay. So your super contribution is actually a tax deduction. Oh, okay.\n\nI didn't know that. I might look at doing that when this new salary comes in. If it's a fair bit more than what I'm on now, I might put some more under super. April, May, I've been told. Yep.\n\nOkay. Cool. Yep. Yeah. Yeah.\n\nAnd I'll sleep. But even if it's a $100, that's $5.02 a year, and then that's on top of your super plus your growth of your percentage increase. In thirty years, that's a $150, but it's not a $150. It's a $150 over thirty years that's been compounding. So it makes a big difference.\n\nYeah. So I might look at doing something like that. Yeah. Yeah. As I said to say, ultimately, I just wanna be comfortable when I retire, if I wanna go play golf or I wanna take my boat over to the day.\n\nI don't have to check the bank account and go, oh, can I afford to fill it up? I just wanna be able to go to the, fill it up, and away I go. Yeah. Yeah. I said to Fabian, I'll probably I'm gonna talk to missus Asava and gonna try and get her to do a review with you guys as well.\n\nBecause the big thing for us, especially with today's market and price and whatnot, is our kids. How the hell are they gonna get a house? Like, in 30 years' time, they'll be struggling. So if I can if me and the missus can contribute even if it's $50 a week or a $100 a week extra to super, and then that 2,200,000.0 or whatever the forecast was grows to say 2.6, 2.8, or even three, I can go, hey. I'm gonna pull $400 out straightaway and give 200 to each of my kids to help them get a house.\n\nYeah. So, essentially, I wanna be comfortable, but my kids are at my forefront. So I wanna make sure my kids are looked after if anything ever was ever happened to me. So that I don't go with it. Yep.\n\nYep. Yeah. That's something we're both definitely interested in to try and help them out. Sounds good. So you're gonna be my point of call for the portfolio?\n\nWill that be steady? Okay. Yep. Yeah. No.\n\nThat was that was the main reason I took the call and essentially approved the the switch. So I think I've been with AMP since I was 18, and I've been contacted about that many times. I haven't heard from them once. Yeah. I've never heard from them since it was set up.\n\nIt was the initial call to set it up, and then that was it. No. It was a call with that whoever was on that portfolio to set it up originally. I have never heard from any chance. Yeah.\n\nAnthony Gerard James was his name. Yeah. And I I just know that my portfolio has been him since it was started, and I've never heard from the bloke. Twelve. I'm a yeah.\n\nYou'll learn pretty quickly, but I'm a person that thrives off communication. That's how I run this business. That's how I communicate with friends and family. Like, communication is of utmost importance. If you're not communicating with me, then I'll shop around for somebody else because I wanna know what's going on with it.\n\nIf there's a way that I can improve it, I wanna be the first person to know so that we can action it and jump on it. I am a bit of a risk taker, but, again, I wanna see the best growth for my super so I can retire comfortably and help my children. Yep. Sounds good. No.\n\nThat was all. Awesome. Thanks, man. Same to you. Appreciate the call and what you and the team have done so far.\n\nAlright. Thanks, man. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.08,"end":0.16,"sentiment":"neutral","sentiment_score":0.04874572157859802},{"text":"You've reached Jake Spine.","start":0.16,"end":1.46,"sentiment":"neutral","sentiment_score":0.0431433510966599},{"text":"Hi, mate.","start":2.1599998,"end":2.8999999,"sentiment":"neutral","sentiment_score":0.08865279704332352},{"text":"Hello?","start":4.4,"end":4.9,"sentiment":"neutral","sentiment_score":0.03875627741217613},{"text":"Oh.","start":5.7599998,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.023737411946058273}],"sentiment":"neutral","sentiment_score":0.05123537882334656,"num_words":9,"start":0.08,"end":6.2599998},{"sentences":[{"text":"Yep.","start":7.3599997,"end":7.8399997,"sentiment":"neutral","sentiment_score":0.017709121108055115},{"text":"Yep.","start":7.8399997,"end":8.08,"sentiment":"neutral","sentiment_score":0.015195894986391068},{"text":"Sorry.","start":8.08,"end":8.4,"sentiment":"neutral","sentiment_score":-0.04294006526470184},{"text":"I went to answering it sent you the voice mail.","start":8.4,"end":11.3,"sentiment":"neutral","sentiment_score":0.011825179867446422},{"text":"Yeah.","start":14.674999,"end":14.915,"sentiment":"neutral","sentiment_score":0.29110369086265564}],"sentiment":"neutral","sentiment_score":0.028522888597633158,"num_words":14,"start":7.3599997,"end":14.915},{"sentences":[{"text":"It was good.","start":14.915,"end":15.815,"sentiment":"positive","sentiment_score":0.5501244068145752},{"text":"I had a half chicken from Nando's.","start":16.355,"end":18.055,"sentiment":"neutral","sentiment_score":0.33097536649022785},{"text":"It's delicious.","start":18.115,"end":18.695,"sentiment":"positive","sentiment_score":0.6244423091411591},{"text":"Yeah.","start":20.195,"end":20.515,"sentiment":"neutral","sentiment_score":0.12283767759799956},{"text":"I've had that for 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fine.","start":53.34,"end":54.079998,"sentiment":"neutral","sentiment_score":0.31401655077934265},{"text":"Really?","start":63.739998,"end":64.14,"sentiment":"neutral","sentiment_score":0.1124119758605957},{"text":"Like, I was keen to execute it the first time I did it however many years ago that was.","start":64.14,"end":70.475,"sentiment":"neutral","sentiment_score":0.12936669333200707},{"text":"And I was just a bit hesitant being a bit younger and knew nothing about you guys.","start":71.735,"end":76.215,"sentiment":"neutral","sentiment_score":-0.0749796223552788},{"text":"And since then, I've done some research and figured out that it's an Australian business and based out of Southport on the Gold Coast and then went through, like, half of your reviews, and it's all pretty 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alright.","start":133.49501,"end":134.05501,"sentiment":"neutral","sentiment_score":0.15111065655946732},{"text":"It was just when I was younger, and then as you get older, you start to research things and and whatnot.","start":134.05501,"end":140.13501,"sentiment":"neutral","sentiment_score":0.04438443002956254},{"text":"And I started getting over some shares and some crypto and went out of that.","start":140.13501,"end":145.71,"sentiment":"neutral","sentiment_score":-0.011423156037926674},{"text":"And then I was like, I'm just gonna let don't sing any from now on.","start":145.71,"end":149.63,"sentiment":"neutral","sentiment_score":-0.03948457886775335},{"text":"And if I need help, people pay me good money to fix air cons and install air cons.","start":149.63,"end":154.99,"sentiment":"neutral","sentiment_score":-0.057924500563078456}],"sentiment":"neutral","sentiment_score":-0.008055812534941753,"num_words":71,"start":133.49501,"end":154.99},{"sentences":[{"text":"So I pay people good money to look after my finances because I don't know how to do it.","start":154.99,"end":159.485,"sentiment":"neutral","sentiment_score":-0.055076211298766886},{"text":"I'm not qualified.","start":159.485,"end":160.305,"sentiment":"negative","sentiment_score":-0.3568009634812673},{"text":"Yep.","start":168.685,"end":169.185,"sentiment":"neutral","sentiment_score":0.09993106126785278},{"text":"Yeah.","start":178.90001,"end":179.22,"sentiment":"neutral","sentiment_score":0.12934637069702148},{"text":"Okay.","start":179.22,"end":179.62,"sentiment":"neutral","sentiment_score":0.18408231437206268}],"sentiment":"neutral","sentiment_score":-0.06813964635133743,"num_words":25,"start":154.99,"end":179.62},{"sentences":[{"text":"Sweet.","start":179.62,"end":180.12,"sentiment":"neutral","sentiment_score":0.2925904393196106},{"text":"Well, definitely.","start":180.82,"end":181.56,"sentiment":"neutral","sentiment_score":0.2522200345993042},{"text":"Yep.","start":192.875,"end":193.375,"sentiment":"neutral","sentiment_score":0.04918404668569565},{"text":"Don't believe so.","start":200.56,"end":201.7,"sentiment":"neutral","sentiment_score":-0.0730929970741272},{"text":"Yep.","start":228.405,"end":228.905,"sentiment":"neutral","sentiment_score":0.2625875174999237}],"sentiment":"neutral","sentiment_score":0.1111903851851821,"num_words":8,"start":179.62,"end":228.905},{"sentences":[{"text":"Yep.","start":238.86,"end":239.36,"sentiment":"neutral","sentiment_score":0.15789733827114105},{"text":"Yeah.","start":243.98001,"end":244.22,"sentiment":"neutral","sentiment_score":0.1687491536140442},{"text":"Okay.","start":244.22,"end":244.72,"sentiment":"neutral","sentiment_score":0.1839427649974823},{"text":"Yep.","start":246.7,"end":247.155,"sentiment":"neutral","sentiment_score":0.26488327980041504},{"text":"Mhmm.","start":256.115,"end":256.615,"sentiment":"neutral","sentiment_score":0.04692926257848739}],"sentiment":"neutral","sentiment_score":0.164480359852314,"num_words":5,"start":238.86,"end":256.615},{"sentences":[{"text":"Don't think so.","start":268.33002,"end":269.63,"sentiment":"neutral","sentiment_score":-0.08575522154569626},{"text":"Okay.","start":276.565,"end":276.88498,"sentiment":"neutral","sentiment_score":0.015355508774518968},{"text":"Yeah.","start":276.88498,"end":277.04498,"sentiment":"neutral","sentiment_score":0.04112072288990021},{"text":"Yep.","start":277.04498,"end":277.54498,"sentiment":"neutral","sentiment_score":0.05976305902004242},{"text":"Yep.","start":288.09998,"end":288.59998,"sentiment":"neutral","sentiment_score":-0.012834707275032995}],"sentiment":"neutral","sentiment_score":-0.02198015446109431,"num_words":7,"start":268.33002,"end":288.59998},{"sentences":[{"text":"Okay.","start":293.78,"end":294.28,"sentiment":"neutral","sentiment_score":0.10386592149734496},{"text":"I've had meniscal repair meniscal repairs on my right knee, three of them.","start":304.73502,"end":309.695,"sentiment":"neutral","sentiment_score":-0.05360454707764662},{"text":"So I've had my meniscus repaired three times and some cartilage removed out of my right knee.","start":309.695,"end":318.68,"sentiment":"neutral","sentiment_score":-0.057314563980873895},{"text":"So we'll have to get that reconstructed down the track.","start":318.68,"end":321.08,"sentiment":"neutral","sentiment_score":-0.04264719281345606},{"text":"That was the advice given from the orthopedic surgeon at the time.","start":321.08,"end":324.06,"sentiment":"neutral","sentiment_score":-0.012516588360692063}],"sentiment":"neutral","sentiment_score":-0.040453052200939296,"num_words":53,"start":293.78,"end":324.06},{"sentences":[{"text":"Yep.","start":333.535,"end":334.035,"sentiment":"neutral","sentiment_score":0.15221679210662842},{"text":"Yeah.","start":344.76,"end":345.0,"sentiment":"neutral","sentiment_score":0.04635438695549965},{"text":"Well, one, yeah, one one of the doctors did the same doctor did my knee three times, three separate incidents.","start":345.0,"end":352.7,"sentiment":"neutral","sentiment_score":-0.009655039384961128},{"text":"That same doctor did my right shoulder, and then my recent doctor, when I was living in Townsville, he did my left one.","start":353.88,"end":361.79498,"sentiment":"neutral","sentiment_score":-0.0033142265620762887},{"text":"Yeah.","start":365.13498,"end":365.375,"sentiment":"neutral","sentiment_score":-0.01126937847584486}],"sentiment":"neutral","sentiment_score":-0.0017831782182759564,"num_words":46,"start":333.535,"end":365.375},{"sentences":[{"text":"That's it.","start":365.375,"end":365.85498,"sentiment":"neutral","sentiment_score":-0.011885713785886765},{"text":"Two doctors.","start":365.85498,"end":366.57498,"sentiment":"neutral","sentiment_score":-0.012201989069581032},{"text":"One that did my knee and right shoulder and the other doctor that did my left shoulder, just partial arthroscopy repairs of tendons that I had almost oh, sorry.","start":366.57498,"end":378.04,"sentiment":"neutral","sentiment_score":-0.009061711519185838},{"text":"Not tendons, ligaments that I almost severed.","start":378.04,"end":380.62,"sentiment":"neutral","sentiment_score":-0.058213724089520316},{"text":"So they put them back together and pre anchored them to the bone and tissue and all that sort of stuff and cleaned it up.","start":381.72,"end":388.635,"sentiment":"neutral","sentiment_score":0.05987195543944836}],"sentiment":"neutral","sentiment_score":0.01197442734757295,"num_words":65,"start":365.375,"end":388.635},{"sentences":[{"text":"Shoulder decompression surgery.","start":389.73502,"end":391.17502,"sentiment":"neutral","sentiment_score":-0.006495469249784947},{"text":"That's what it's called.","start":391.17502,"end":392.23502,"sentiment":"neutral","sentiment_score":-0.004896984122751746},{"text":"The right one was from 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rather.","start":624.415,"end":629.55005,"sentiment":"neutral","sentiment_score":-0.082721847774727},{"text":"Yeah.","start":637.69,"end":638.01,"sentiment":"neutral","sentiment_score":-0.015896474942564964},{"text":"Okay.","start":638.01,"end":638.51,"sentiment":"neutral","sentiment_score":-0.027352774515748024}],"sentiment":"neutral","sentiment_score":-0.06468769873201381,"num_words":25,"start":618.095,"end":638.51},{"sentences":[{"text":"Yeah.","start":650.255,"end":650.575,"sentiment":"neutral","sentiment_score":0.0695396363735199},{"text":"Okay.","start":650.575,"end":651.075,"sentiment":"neutral","sentiment_score":0.0942850410938263},{"text":"Sweet.","start":651.135,"end":651.455,"sentiment":"neutral","sentiment_score":0.14952583611011505},{"text":"I'll look into that.","start":651.455,"end":652.675,"sentiment":"neutral","sentiment_score":0.09984496235847473},{"text":"Not that I intend on anything happening anytime soon, but you never know.","start":654.175,"end":663.78,"sentiment":"neutral","sentiment_score":-0.11169999751907128}],"sentiment":"neutral","sentiment_score":-0.036968480236828326,"num_words":20,"start":650.255,"end":663.78},{"sentences":[{"text":"Yeah.","start":665.37,"end":665.87,"sentiment":"neutral","sentiment_score":-0.049051202833652496},{"text":"Yeah.","start":668.65,"end":669.15,"sentiment":"neutral","sentiment_score":0.019186407327651978},{"text":"Yep.","start":679.63495,"end":680.13495,"sentiment":"neutral","sentiment_score":0.006559876259416342},{"text":"They pretty much, like, if you die, they're like an executor of your will sort of thing.","start":682.83496,"end":687.86,"sentiment":"neutral","sentiment_score":-0.06731406029532938},{"text":"They have they tell the medical professionals sort of what to do if you're in a capacity incapacitated state and can't speak for yourself.","start":687.86,"end":697.31995,"sentiment":"neutral","sentiment_score":-0.10401617269963026}],"sentiment":"neutral","sentiment_score":-0.08327345656950703,"num_words":44,"start":665.37,"end":697.31995},{"sentences":[{"text":"So I had a head injury, and I turned into a vegetable, and I couldn't couldn't talk.","start":703.475,"end":708.935,"sentiment":"neutral","sentiment_score":-0.10482759576509981},{"text":"Yeah.","start":711.395,"end":711.895,"sentiment":"neutral","sentiment_score":0.06845967471599579},{"text":"Yep.","start":723.73004,"end":724.23004,"sentiment":"neutral","sentiment_score":0.1096448004245758},{"text":"Yep.","start":736.555,"end":737.055,"sentiment":"neutral","sentiment_score":0.0708479955792427},{"text":"Yep.","start":738.635,"end":739.135,"sentiment":"neutral","sentiment_score":0.04686879739165306}],"sentiment":"neutral","sentiment_score":-0.07077370761405855,"num_words":21,"start":703.475,"end":739.135},{"sentences":[{"text":"Yep.","start":747.13,"end":747.63,"sentiment":"neutral","sentiment_score":0.07729610800743103},{"text":"Okay.","start":750.97003,"end":751.47003,"sentiment":"neutral","sentiment_score":0.18331700563430783},{"text":"That's good.","start":752.65,"end":753.21,"sentiment":"positive","sentiment_score":0.3569364994764328},{"text":"I didn't have that with AMP.","start":753.21,"end":754.33,"sentiment":"neutral","sentiment_score":-0.06376007199287415},{"text":"I didn't do it all myself.","start":754.33,"end":755.55005,"sentiment":"neutral","sentiment_score":-0.1763562634587288}],"sentiment":"neutral","sentiment_score":-0.02913824375718832,"num_words":16,"start":747.13,"end":755.55005},{"sentences":[{"text":"Yeah.","start":773.705,"end":773.97,"sentiment":"positive","sentiment_score":0.5340189933776855},{"text":"The only one I've got is, like, additional super contributions and whatnot.","start":783.56995,"end":789.63495,"sentiment":"neutral","sentiment_score":0.22195680253207684},{"text":"So I think I'm about to get a promotion at work that may involve, like, bonuses and stuff.","start":789.77496,"end":794.915,"sentiment":"neutral","sentiment_score":0.30502181831333375},{"text":"For those, if it was a cash bonus, so to speak, do I just ring you guys and say, hey.","start":795.535,"end":800.415,"sentiment":"neutral","sentiment_score":0.08487745504826308},{"text":"I've just gotten this amount of dollars.","start":800.415,"end":802.88,"sentiment":"neutral","sentiment_score":0.17355114221572876}],"sentiment":"neutral","sentiment_score":0.20000518017030997,"num_words":58,"start":773.705,"end":802.88},{"sentences":[{"text":"Can you deposit that in the hub, or do I deposit that all that?","start":803.01996,"end":806.22,"sentiment":"neutral","sentiment_score":0.057269784222756116},{"text":"Can you assist with that?","start":806.22,"end":807.01996,"sentiment":"neutral","sentiment_score":0.09929815530776978},{"text":"Because I would have no idea how to do it.","start":807.01996,"end":808.94,"sentiment":"negative","sentiment_score":-0.3928767956793308},{"text":"I've never done it before.","start":808.94,"end":810.24,"sentiment":"neutral","sentiment_score":-0.0965079665184021},{"text":"Okay.","start":822.40497,"end":822.64496,"sentiment":"neutral","sentiment_score":0.172858327627182}],"sentiment":"neutral","sentiment_score":-0.08400519160287721,"num_words":35,"start":803.01996,"end":822.64496},{"sentences":[{"text":"Okay.","start":822.64496,"end":823.14496,"sentiment":"neutral","sentiment_score":0.12159182131290436},{"text":"Okay.","start":836.77,"end":837.27,"sentiment":"neutral","sentiment_score":0.09953881055116652},{"text":"Oh, okay.","start":849.72504,"end":850.445,"sentiment":"neutral","sentiment_score":0.15984340757131577},{"text":"So your super contribution is actually a tax deduction.","start":850.445,"end":853.265,"sentiment":"neutral","sentiment_score":0.21837465796205732},{"text":"Oh, okay.","start":866.06,"end":866.745,"sentiment":"neutral","sentiment_score":0.16459327936172485}],"sentiment":"neutral","sentiment_score":0.1890250618259112,"num_words":15,"start":822.64496,"end":866.745},{"sentences":[{"text":"I didn't know that.","start":868.90497,"end":869.625,"sentiment":"neutral","sentiment_score":-0.04529217490926385},{"text":"I might look at doing that when this new salary comes in.","start":869.625,"end":873.705,"sentiment":"neutral","sentiment_score":0.013611679275830587},{"text":"If it's a fair bit more than what I'm on now, I might put some more under super.","start":873.705,"end":877.485,"sentiment":"neutral","sentiment_score":-0.053456918336451054},{"text":"April, May, I've been told.","start":882.97003,"end":885.71,"sentiment":"neutral","sentiment_score":0.05346081629395485},{"text":"Yep.","start":893.93,"end":894.43,"sentiment":"neutral","sentiment_score":0.3319551348686218}],"sentiment":"neutral","sentiment_score":-0.009519846551120282,"num_words":40,"start":868.90497,"end":894.43},{"sentences":[{"text":"Okay.","start":911.45996,"end":911.86,"sentiment":"positive","sentiment_score":0.3659723103046417},{"text":"Cool.","start":911.86,"end":912.36,"sentiment":"positive","sentiment_score":0.530809760093689},{"text":"Yep.","start":913.86,"end":914.36,"sentiment":"neutral","sentiment_score":0.27197909355163574},{"text":"Yeah.","start":919.54,"end":920.04,"sentiment":"neutral","sentiment_score":0.1751067340373993},{"text":"Yeah.","start":922.065,"end":922.185,"sentiment":"neutral","sentiment_score":0.16454936563968658}],"sentiment":"neutral","sentiment_score":0.3016834527254105,"num_words":5,"start":911.45996,"end":922.185},{"sentences":[{"text":"And I'll sleep.","start":922.185,"end":922.78503,"sentiment":"neutral","sentiment_score":0.1686553955078125},{"text":"But even if it's a $100, that's $5.02 a year, and then that's on top of your super plus your growth of your percentage increase.","start":922.78503,"end":930.805,"sentiment":"neutral","sentiment_score":0.24340633571147918},{"text":"In thirty years, that's a $150, but it's not a $150.","start":932.145,"end":936.56,"sentiment":"neutral","sentiment_score":0.06193154372952201},{"text":"It's a $150 over thirty years that's been compounding.","start":936.56,"end":939.38,"sentiment":"neutral","sentiment_score":0.11504719820287493},{"text":"So it makes a big difference.","start":939.60004,"end":942.10004,"sentiment":"neutral","sentiment_score":0.3009702091415723}],"sentiment":"neutral","sentiment_score":0.18728921479649013,"num_words":54,"start":922.185,"end":942.10004},{"sentences":[{"text":"Yeah.","start":943.04004,"end":943.54004,"sentiment":"neutral","sentiment_score":0.1286662369966507},{"text":"So I might look at doing something like that.","start":944.4,"end":946.035,"sentiment":"neutral","sentiment_score":0.2312033557229572},{"text":"Yeah.","start":952.915,"end":953.415,"sentiment":"neutral","sentiment_score":0.23453250527381897},{"text":"Yeah.","start":954.27496,"end":954.51495,"sentiment":"neutral","sentiment_score":0.10239340364933014},{"text":"As I said to say, ultimately, I just wanna be comfortable when I retire, if I wanna go play golf or I wanna take my boat over to the day.","start":954.51495,"end":961.81006,"sentiment":"neutral","sentiment_score":0.16707816521326702}],"sentiment":"neutral","sentiment_score":0.17997065009105773,"num_words":42,"start":943.04004,"end":961.81006},{"sentences":[{"text":"I don't have to check the bank account and go, oh, can I afford to fill it up?","start":961.81006,"end":964.69,"sentiment":"neutral","sentiment_score":-0.005166642574800385},{"text":"I just wanna be able to go to the, fill it up, and away I go.","start":964.69,"end":968.87006,"sentiment":"neutral","sentiment_score":0.1153770920354873},{"text":"Yeah.","start":988.55,"end":989.05,"sentiment":"neutral","sentiment_score":0.2033458650112152},{"text":"Yeah.","start":993.35,"end":993.67,"sentiment":"neutral","sentiment_score":0.2880793809890747},{"text":"I said to Fabian, I'll probably I'm gonna talk to missus Asava and gonna try and get her to do a review with you guys as well.","start":993.67,"end":1000.01,"sentiment":"neutral","sentiment_score":0.26862939254001333}],"sentiment":"neutral","sentiment_score":0.15075321826669905,"num_words":63,"start":961.81006,"end":1000.01},{"sentences":[{"text":"Because the big thing for us, especially with today's market and price and whatnot, is our kids.","start":1001.085,"end":1006.445,"sentiment":"neutral","sentiment_score":0.1552825510940131},{"text":"How the hell are they gonna get a house?","start":1006.445,"end":1009.345,"sentiment":"neutral","sentiment_score":-0.303103291326099},{"text":"Like, in 30 years' time, they'll be struggling.","start":1009.645,"end":1012.465,"sentiment":"neutral","sentiment_score":-0.26235737185925245},{"text":"So if I can if me and the missus can contribute even if it's $50 a week or a $100 a week extra to super, and then that 2,200,000.0 or whatever the forecast was grows to say 2.6, 2.8, or even three, I can go, hey.","start":1012.525,"end":1031.135,"sentiment":"neutral","sentiment_score":0.15573147749123367},{"text":"I'm gonna pull $400 out straightaway and give 200 to each of my kids to help them get a house.","start":1031.4349,"end":1040.61,"sentiment":"positive","sentiment_score":0.3897036835551262}],"sentiment":"neutral","sentiment_score":0.12770736407488584,"num_words":100,"start":1001.085,"end":1040.61},{"sentences":[{"text":"Yeah.","start":1048.13,"end":1048.53,"sentiment":"neutral","sentiment_score":0.12520542740821838},{"text":"So, essentially, I wanna be comfortable, but my kids are at my forefront.","start":1048.53,"end":1052.0499,"sentiment":"neutral","sentiment_score":0.3048278597685007},{"text":"So I wanna make sure my kids are looked after if anything ever was ever happened to me.","start":1052.0499,"end":1055.745,"sentiment":"neutral","sentiment_score":0.295550433297952},{"text":"So that I don't go with it.","start":1056.705,"end":1058.085,"sentiment":"neutral","sentiment_score":-0.2492743283510208},{"text":"Yep.","start":1070.2899,"end":1070.7899,"sentiment":"neutral","sentiment_score":0.1803981363773346}],"sentiment":"neutral","sentiment_score":0.19608383104205132,"num_words":40,"start":1048.13,"end":1070.7899},{"sentences":[{"text":"Yep.","start":1078.7699,"end":1079.2699,"sentiment":"neutral","sentiment_score":-0.03816613182425499},{"text":"Yeah.","start":1090.225,"end":1090.625,"sentiment":"positive","sentiment_score":0.374767541885376},{"text":"That's something we're both definitely interested in to try and help them out.","start":1090.625,"end":1094.7,"sentiment":"positive","sentiment_score":0.6232931063725398},{"text":"Sounds good.","start":1114.365,"end":1115.185,"sentiment":"positive","sentiment_score":0.6490612030029297},{"text":"So you're gonna be my point of call for the portfolio?","start":1115.325,"end":1118.465,"sentiment":"neutral","sentiment_score":0.2271373001011935}],"sentiment":"positive","sentiment_score":0.43700158928654026,"num_words":28,"start":1078.7699,"end":1118.465},{"sentences":[{"text":"Will that be steady?","start":1118.605,"end":1119.665,"sentiment":"neutral","sentiment_score":0.14594725891947746},{"text":"Okay.","start":1122.845,"end":1123.345,"sentiment":"neutral","sentiment_score":0.1859232485294342},{"text":"Yep.","start":1126.6699,"end":1127.1699,"sentiment":"neutral","sentiment_score":0.1507103145122528},{"text":"Yeah.","start":1140.2151,"end":1140.615,"sentiment":"neutral","sentiment_score":0.020925700664520264},{"text":"No.","start":1140.615,"end":1140.775,"sentiment":"neutral","sentiment_score":-0.06439577043056488}],"sentiment":"neutral","sentiment_score":0.10961906611919403,"num_words":8,"start":1118.605,"end":1140.775},{"sentences":[{"text":"That was that was the main reason I took the call and essentially approved the the switch.","start":1140.775,"end":1150.67,"sentiment":"neutral","sentiment_score":-0.00835604768465547},{"text":"So I think I've been with AMP since I was 18, and I've been contacted about that many times.","start":1150.67,"end":1159.25,"sentiment":"neutral","sentiment_score":-0.011827913750159113},{"text":"I haven't heard from them once.","start":1161.23,"end":1162.69,"sentiment":"neutral","sentiment_score":-0.186160479982694},{"text":"Yeah.","start":1178.73,"end":1178.97,"sentiment":"neutral","sentiment_score":-0.18168336153030396},{"text":"I've never heard from them since it was set up.","start":1178.97,"end":1181.23,"sentiment":"negative","sentiment_score":-0.35159184634685514}],"sentiment":"neutral","sentiment_score":-0.09776128069409784,"num_words":53,"start":1140.775,"end":1181.23},{"sentences":[{"text":"It was the initial call to set it up, and then that was it.","start":1182.57,"end":1185.39,"sentiment":"neutral","sentiment_score":-0.015781005445335592},{"text":"No.","start":1191.145,"end":1191.385,"sentiment":"neutral","sentiment_score":-0.07854349911212921},{"text":"It was a call with that whoever was on that portfolio to set it up originally.","start":1191.385,"end":1196.125,"sentiment":"neutral","sentiment_score":-0.042910646996460855},{"text":"I have never heard from any chance.","start":1196.345,"end":1198.045,"sentiment":"neutral","sentiment_score":-0.17666671531541006},{"text":"Yeah.","start":1211.8099,"end":1212.13,"sentiment":"neutral","sentiment_score":-0.008775201626121998}],"sentiment":"neutral","sentiment_score":-0.057217695798056245,"num_words":39,"start":1182.57,"end":1212.13},{"sentences":[{"text":"Anthony Gerard James was his name.","start":1212.13,"end":1214.63,"sentiment":"neutral","sentiment_score":-0.00017631426453590393},{"text":"Yeah.","start":1222.945,"end":1223.445,"sentiment":"neutral","sentiment_score":0.0005800416693091393},{"text":"And I I just know that my portfolio has been him since it was started, and I've never heard from the bloke.","start":1223.505,"end":1229.285,"sentiment":"neutral","sentiment_score":-0.0124246927655556},{"text":"Twelve.","start":1231.985,"end":1232.485,"sentiment":"neutral","sentiment_score":0.003340102732181549},{"text":"I'm a yeah.","start":1244.12,"end":1245.24,"sentiment":"neutral","sentiment_score":0.12026748061180115}],"sentiment":"neutral","sentiment_score":0.002737013933559258,"num_words":33,"start":1212.13,"end":1245.24},{"sentences":[{"text":"You'll learn pretty quickly, but I'm a person that thrives off communication.","start":1245.24,"end":1249.235,"sentiment":"neutral","sentiment_score":0.22817781070868173},{"text":"That's how I run this business.","start":1249.295,"end":1250.675,"sentiment":"neutral","sentiment_score":0.2350288157661756},{"text":"That's how I communicate with friends and family.","start":1251.455,"end":1253.855,"sentiment":"neutral","sentiment_score":0.22940726950764656},{"text":"Like, communication is of utmost importance.","start":1253.855,"end":1256.895,"sentiment":"neutral","sentiment_score":0.2350623682141304},{"text":"If you're not communicating with me, then I'll shop around for somebody else because I wanna know what's going on with it.","start":1256.895,"end":1262.76,"sentiment":"neutral","sentiment_score":-0.06136182579211891}],"sentiment":"neutral","sentiment_score":0.11192553372260321,"num_words":54,"start":1245.24,"end":1262.76},{"sentences":[{"text":"If there's a way that I can improve it, I wanna be the first person to know so that we can action it and jump on it.","start":1262.76,"end":1268.12,"sentiment":"neutral","sentiment_score":0.14801126690926375},{"text":"I am a bit of a risk taker, but, again, I wanna see the best growth for my super so I can retire comfortably and help my children.","start":1268.12,"end":1275.9651,"sentiment":"neutral","sentiment_score":0.10823790010597024},{"text":"Yep.","start":1282.8251,"end":1283.3251,"sentiment":"neutral","sentiment_score":0.02960108034312725},{"text":"Sounds good.","start":1288.77,"end":1289.59,"sentiment":"positive","sentiment_score":0.7254813313484192},{"text":"No.","start":1293.01,"end":1293.1699,"sentiment":"neutral","sentiment_score":0.03502809628844261}],"sentiment":"neutral","sentiment_score":0.1447891059126389,"num_words":59,"start":1262.76,"end":1293.1699},{"sentences":[{"text":"That was all.","start":1293.1699,"end":1294.07,"sentiment":"neutral","sentiment_score":0.21817526469628015},{"text":"Awesome.","start":1301.0249,"end":1301.345,"sentiment":"positive","sentiment_score":0.7954421043395996},{"text":"Thanks, man.","start":1301.345,"end":1301.9049,"sentiment":"positive","sentiment_score":0.8118846416473389},{"text":"Same to you.","start":1301.9049,"end":1302.5449,"sentiment":"positive","sentiment_score":0.7783805330594381},{"text":"Appreciate the call and what you and the team have done so far.","start":1302.5449,"end":1305.445,"sentiment":"positive","sentiment_score":0.8167536625495324}],"sentiment":"positive","sentiment_score":0.7284852906384252,"num_words":22,"start":1293.1699,"end":1305.445},{"sentences":[{"text":"Alright.","start":1308.3049,"end":1308.625,"sentiment":"positive","sentiment_score":0.4018427729606629},{"text":"Thanks, man.","start":1308.625,"end":1309.2649,"sentiment":"positive","sentiment_score":0.6717828512191772},{"text":"Bye.","start":1309.2649,"end":1309.7649,"sentiment":"positive","sentiment_score":0.4896027743816376}],"sentiment":"positive","sentiment_score":0.5587528124451637,"num_words":4,"start":1308.3049,"end":1309.7649}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. You've reached Jake Spine. Hi, mate.\n\nChannel 0: Hey,\n\nChannel 1: Hello?\n\nChannel 0: Jake. Tommy here from.\n\nChannel 1: Oh.\n\nChannel 0: Can you hear me okay?\n\nChannel 1: Yep. Yep. Sorry.\n\nChannel 0: Sorry.\n\nChannel 1: I\n\nChannel 0: I just\n\nChannel 1: went\n\nChannel 0: had\n\nChannel 1: to\n\nChannel 0: a bit of\n\nChannel 1: answering\n\nChannel 0: a phone\n\nChannel 1: it sent\n\nChannel 0: click.\n\nChannel 1: you the voice mail.\n\nChannel 0: Easy done, mate. Easy done. How'd you go with the checking? Alright?\n\nChannel 1: Yeah. It was good.\n\nChannel 0: Beauty,\n\nChannel 1: I had a\n\nChannel 0: beauty.\n\nChannel 1: half\n\nChannel 0: I\n\nChannel 1: chicken\n\nChannel 0: suppose\n\nChannel 1: from\n\nChannel 0: a\n\nChannel 1: Nando's.\n\nChannel 0: bit of\n\nChannel 1: It's delicious.\n\nChannel 0: from Nando's. Oh, mate.\n\nChannel 1: Yeah.\n\nChannel 0: I only\n\nChannel 1: I've\n\nChannel 0: have some\n\nChannel 1: had\n\nChannel 0: sugar\n\nChannel 1: that for\n\nChannel 0: bean\n\nChannel 1: ages.\n\nChannel 0: on a bit of a cut at the moment, so I think I need to get some Nando's for dinner tonight.\n\nChannel 1: Yep.\n\nChannel 0: Mate, I just wanna give you a quick, quick call. We've\n\nChannel 1: Mhmm.\n\nChannel 0: gotten through all of the advice documents signed for your super switch and everything like that. Just wanted to thank you for doing that and and kind of welcome you to Oakview. One\n\nChannel 1: Yep.\n\nChannel 0: of the things I wanna go through as a senior adviser, I just go through a couple of quick checks at the end just to make sure you understand everything and that you're comfortable with it all, and then\n\nChannel 1: Yep.\n\nChannel 0: just a bit of a heads up with what's coming down the line if that's alright.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Beauty. Just quickly, just wanna start with any questions you might have from the advice that you went through with Fabian.\n\nChannel 1: Really? Like, I was keen to execute it the first time I did it however many years ago that was.\n\nChannel 0: Yes.\n\nChannel 1: And I was just a bit hesitant being a bit younger and knew nothing about you guys. And since then, I've done some research and figured out that it's an Australian business and based out of Southport on the Gold Coast and\n\nChannel 0: Yeah.\n\nChannel 1: then\n\nChannel 0: Yep.\n\nChannel 1: went through, like, half of your reviews, and it's all pretty positive. So I was like, oh, I'll give you a go.\n\nChannel 0: Alright. Awesome, mate. Thank you for taking the leap of faith. And, look, we do pride ourselves on on service, and we're in the Gold Coast, of course, but we service nationally.\n\nChannel 1: Yep.\n\nChannel 0: And, look, if you're ever at our neck of the woods, you're more than welcome to pop into the office for lunch and meet the team and everything. That's no worries at all.\n\nChannel 1: Oh, sweet.\n\nChannel 0: And\n\nChannel 1: I'm a take\n\nChannel 0: if you're\n\nChannel 1: care for\n\nChannel 0: that\n\nChannel 1: that.\n\nChannel 0: way inclined, we do have the old Facebook TikTok videos and things like that. So if you wanna get a bit more familiar with the team you'll be working with, we're also in your financial services guide. So that's like consumer protections document you got sent through.\n\nChannel 1: Yep.\n\nChannel 0: If you're curious, license details are in there. The whole team's in there. You can kind of see all of us and how we're registered with ASIC as well.\n\nChannel 1: That's alright. It was just when I was younger, and then as you get older, you start to research things and and whatnot. And I started getting over some shares and some crypto\n\nChannel 0: Are you?\n\nChannel 1: and went out of that. And then I was like, I'm just gonna let don't sing any from now on. And if I need help, people pay me good money to fix air cons and install air cons. So I pay people good money to look after my finances because I don't know how to do it. I'm not qualified.\n\nChannel 0: It's totally fair. Totally fair. And look, we always start off with that kind of basis with your super at the start because that's what you were after. If anything\n\nChannel 1: Yep.\n\nChannel 0: else pops up down the line, whether it comes to investment advice to do with the properties, anything else, we're pretty qualified to give you holistic advice across the board.\n\nChannel 1: Yeah. Okay. Sweet.\n\nChannel 0: Awesome.\n\nChannel 1: Well, definitely.\n\nChannel 0: So I'm just gonna quickly run through a couple of things from that document there. So with your AMP signature super, obviously, you're switching to Hub 24,\n\nChannel 1: Yep.\n\nChannel 0: high growth portfolio. Did they explain to you the SMA structure for what recommended?\n\nChannel 1: Don't believe so.\n\nChannel 0: Cool. So with this SMA, it's called a separately managed account. You can sort of Google those ones too. Basically, the whole point of them is it bubbles up your portfolio on the super. So we've got, like, eight or nine investments for you, all really low fee, fantastic performance, but it puts a bubble around it so that we can actually chop and make changes every couple of months with our investment committee and also with BlackRock as well.\n\nChannel 1: Yep.\n\nChannel 0: So, basically, it just makes it a bit more fluid if that makes sense. Normally, with advisers, we get in touch with you, and we give you a new advice document the same as the one you've just gotten for, like, a new\n\nChannel 1: Yep.\n\nChannel 0: one. But this allows us to keep your portfolio update throughout the year as well.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: That makes sense?\n\nChannel 1: Yep.\n\nChannel 0: Beauty? When it comes to the insurance side of things, obviously, that was based on what we call a needs analysis. So making\n\nChannel 1: Mhmm.\n\nChannel 0: sure your debts are covered, your income's covered, you're protected across the board for life, TPD, and income protection. They're gonna go through a personal statement with you. Have you ever been through one of those?\n\nChannel 1: Don't think so.\n\nChannel 0: That's okay. All it is is when you get an insurance application, they just check health and occupation details. We've\n\nChannel 1: Okay.\n\nChannel 0: got\n\nChannel 1: Yeah. Yep.\n\nChannel 0: we've got most of it, but there's just a couple of things that we get on, like, a recorded call that we, I guess, anonymously shoot through to the insurers to make sure it's gonna go through okay. If there's any\n\nChannel 1: Yep.\n\nChannel 0: issues at all, we basically give you a call and walk you through, like, a plan b or c if we need to.\n\nChannel 1: Okay.\n\nChannel 0: Cool. I think the only thing that we're gonna double check with them was just you had a couple of, like was it the shoulder and the knee with the reconstructions?\n\nChannel 1: I've had meniscal repair meniscal repairs on my right\n\nChannel 0: Yep.\n\nChannel 1: knee, three of them. So I've had my meniscus repaired three times and some cartilage removed out of my right knee.\n\nChannel 0: Yep.\n\nChannel 1: So we'll have to get that reconstructed down the track. That was the advice given from the orthopedic surgeon at the time.\n\nChannel 0: Cool. So one of the things that they do is when you go through that welcome call, they're pretty much going to set you up with, like, quarterly contacts with us, get your security\n\nChannel 1: Yep.\n\nChannel 0: questions down for when you call through so we can protect your details, and then they'll run through those medical questions. Just check dates, doctors, symptoms, and and that kind of thing. And that's\n\nChannel 1: Yeah. Well,\n\nChannel 0: basically\n\nChannel 1: one, yeah,\n\nChannel 0: for go ahead.\n\nChannel 1: one one of the doctors did the same doctor did my knee three times, three separate incidents. That same doctor did my right shoulder, and then my recent doctor, when I was living in Townsville, he did my left one.\n\nChannel 0: Sure. There's only really two two main doctors.\n\nChannel 1: Yeah. That's it. Two doctors. One that did my knee and right shoulder and the other doctor that did my left shoulder, just partial arthroscopy repairs of tendons that I had almost oh, sorry. Not tendons, ligaments that I almost severed.\n\nChannel 0: Oh, jeez.\n\nChannel 1: So\n\nChannel 0: That\n\nChannel 1: they\n\nChannel 0: was fun.\n\nChannel 1: put\n\nChannel 0: How\n\nChannel 1: them\n\nChannel 0: did you\n\nChannel 1: back\n\nChannel 0: do\n\nChannel 1: together\n\nChannel 0: that?\n\nChannel 1: and pre anchored them to the bone and tissue and all that sort of stuff and cleaned it up.\n\nChannel 0: Beauty.\n\nChannel 1: Shoulder\n\nChannel 0: How did\n\nChannel 1: decompression\n\nChannel 0: that happen?\n\nChannel 1: surgery. That's what it's called.\n\nChannel 0: Ah,\n\nChannel 1: The right one was from NRL.\n\nChannel 0: like,\n\nChannel 1: I was\n\nChannel 0: okay.\n\nChannel 1: playing\n\nChannel 0: Yeah.\n\nChannel 1: professionally\n\nChannel 0: Yeah.\n\nChannel 1: NRL.\n\nChannel 0: Up\n\nChannel 1: The\n\nChannel 0: in\n\nChannel 1: knee\n\nChannel 0: North\n\nChannel 1: was from\n\nChannel 0: Queensland\n\nChannel 1: NRL.\n\nChannel 0: or\n\nChannel 1: No. In in Brisbane, I was playing for Logan Brothers.\n\nChannel 0: Logan Brothers. No\n\nChannel 1: So,\n\nChannel 0: way.\n\nChannel 1: yeah, South Logan, pretty well, Raiders and Broncos feed the teams.\n\nChannel 0: Yeah. Fantastic.\n\nChannel 1: That was my trial game for a grade when I was 18. I got taken off on a stretcher. I called\n\nChannel 0: Oh,\n\nChannel 1: held,\n\nChannel 0: no.\n\nChannel 1: and some fella just come in and cannibal my right leg and just felt to go straight away. I was like, oh, that hurts. Straight to straight to surgery.\n\nChannel 0: Jeez. And you're still doing a few few treatments nowadays catching up and finishing it off?\n\nChannel 1: No. It's\n\nChannel 0: Yep.\n\nChannel 1: not too bad now. Like, I'm 30 now. It's twelve years on. In the winter, it gets a little bit stiff and a bit sore sometimes. That time in the office now, not on the pills.\n\nIt just hurts.\n\nChannel 0: Switch occupations for that.\n\nChannel 1: Same occupation just got promoted up in the management, so I'm also in the office than I am out in the field. I control\n\nChannel 0: Yeah.\n\nChannel 1: the business\n\nChannel 0: Nice.\n\nChannel 1: now rather than perform the work.\n\nChannel 0: That's where you want to be rather than limping around on the tools.\n\nChannel 1: Yeah. And then my shoulder, right shoulder was from foot had problems with it, and then a drunken night on the drink down the Gold Coast. I had a friend's property, and somehow I was leaning on the back of the quad, And they took off, and I didn't even realize that they'd taken off. And, yeah, I forgot to let go. And my arm went with the cord and just ripped it straight out the socket.\n\nChannel 0: Oh,\n\nChannel 1: Dislocated\n\nChannel 0: my. That doesn't\n\nChannel 1: it, and it\n\nChannel 0: sound fun.\n\nChannel 1: yeah. Now it went back in, but took all the tendons with it. That hurt. I didn't feel it that night. I felt it in the morning when I woke up, and I was so bothered.\n\nOh, that was and then, yeah, I couldn't\n\nChannel 0: Damn.\n\nChannel 1: couldn't lift\n\nChannel 0: That's a\n\nChannel 1: it\n\nChannel 0: bit\n\nChannel 1: above\n\nChannel 0: more\n\nChannel 1: my\n\nChannel 0: than\n\nChannel 1: head\n\nChannel 0: a\n\nChannel 1: at\n\nChannel 0: Panadol\n\nChannel 1: all.\n\nChannel 0: and a Nurofen,\n\nChannel 1: Yeah. Yeah. It was pretty bad.\n\nChannel 0: Mhmm.\n\nChannel 1: Like, normally, you need an MRI to pick up those sorts of tears. The tears in my right shoulder showed up on an ultrasound. That's how big they were.\n\nChannel 0: Jeez. So I didn't even need to go through that level of scan. It was just right there. Obvious for\n\nChannel 1: Yeah.\n\nChannel 0: anyone.\n\nChannel 1: And then the left shoulder, same thing. There was three or four tears in that one on an ultrasound and the MRI showed how in-depth they actually were when it wasn't getting better with physio. They sent me for an MRI and said, oh, we're actually gonna have to operate to fix this.\n\nChannel 0: Yeah. Jeez.\n\nChannel 1: That\n\nChannel 0: Also,\n\nChannel 1: was playing golf.\n\nChannel 0: while I'm on the health questions there, I did want to just quickly let you know the with the vaping and the smokers rates,\n\nChannel 1: Yep.\n\nChannel 0: The basically, once that's, I guess, twelve months free, it's pretty much like a one pager to get that reviewed and removed. So that'll,\n\nChannel 1: Yep.\n\nChannel 0: at some point, chop it down, like, 50% on the price.\n\nChannel 1: Okay.\n\nChannel 0: So what we usually do is we do, like, reviews with you every year. Like, yeah, there's quarterly catch ups just to see how everything's going, but, like, a full in-depth review every year. And if you're like, hey, mate. I love nicotine free for twelve months, we pretty much just fill in a form with you, send it to the insurer, and love your uncle.\n\nChannel 1: Yes. Right.\n\nChannel 0: Awesome. Mate, pretty comfortable that you've got a grasp of everything there. Estate planning wise, when you go through that welcome call, are you okay for the team to just prefill beneficiary forms for you for the super and the life insurance? Because you got your\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: nominee\n\nChannel 1: That's fine.\n\nChannel 0: there. You've\n\nChannel 1: It's my\n\nChannel 0: given\n\nChannel 1: fiance.\n\nChannel 0: all the\n\nChannel 1: Yeah.\n\nChannel 0: details. Yep. And you've already given through date of birth, address, and everything, so that's perfect. We can prefill those forms with Hub and Neos.\n\nChannel 1: Yep.\n\nChannel 0: Only thing we can't do for you is set up a will. That's something that you guys are gonna have to go do the old $25 will kit from the post office or talk to a lawyer or the public trustee for the state. But,\n\nChannel 1: Yep.\n\nChannel 0: again, always recommend to get that sorted as well.\n\nChannel 1: Well, this is what happens if you don't? Essentially, goes to a trustee or something and gets held up or something rather.\n\nChannel 0: Yeah. Pretty much. And then, basically, family has to go through to the courts to sort of sue for probate and get access to everything, and it just\n\nChannel 1: Yeah.\n\nChannel 0: takes\n\nChannel 1: Okay.\n\nChannel 0: a lot longer, a little bit more cost involved. Whereas if something's in a will, if you've got, like, a a house, the shoes, the bank, the car, it can be pretty well direct as long as it's a valid will.\n\nChannel 1: Yeah. Okay. Sweet. I'll look into that.\n\nChannel 0: Yeah. And one of the things too,\n\nChannel 1: Not that I\n\nChannel 0: just\n\nChannel 1: intend\n\nChannel 0: as a quick\n\nChannel 1: on anything\n\nChannel 0: pointer.\n\nChannel 1: happening anytime soon,\n\nChannel 0: No.\n\nChannel 1: but\n\nChannel 0: No one does. And look,\n\nChannel 1: you\n\nChannel 0: as you get down the line and you get more assets under\n\nChannel 1: never\n\nChannel 0: your belt and things like that, it's probably gets\n\nChannel 1: know.\n\nChannel 0: more and more important as your your\n\nChannel 1: Yeah.\n\nChannel 0: finances get more complex, if that makes sense.\n\nChannel 1: Yeah.\n\nChannel 0: But the one thing that I wanna just remind you as well is those will kits from the post office, you can also get a power of attorney kit for $25 as well. Do you remember\n\nChannel 1: Yep.\n\nChannel 0: what power of attorney does?\n\nChannel 1: They pretty much, like, if you die, they're like an executor of your will sort of thing. They have they tell the medical professionals sort of what to do if you're in a capacity incapacitated state and can't speak for yourself.\n\nChannel 0: Perfect. Perfect. Yep. So it's while you're still here, you can't act on your own. So someone there's\n\nChannel 1: So\n\nChannel 0: financial\n\nChannel 1: I had a\n\nChannel 0: and\n\nChannel 1: head\n\nChannel 0: medical.\n\nChannel 1: injury, and I turned into a vegetable, and I couldn't\n\nChannel 0: Yeah. Who can\n\nChannel 1: couldn't\n\nChannel 0: access the bank\n\nChannel 1: talk.\n\nChannel 0: accounts, who can talk to the doctors, that kind of thing.\n\nChannel 1: Yeah.\n\nChannel 0: Beauty. Last thing I'll just touch on is the with the fees with us. So we've got the upfront fee coming out of the super for three nine four nine. 15\n\nChannel 1: Yep.\n\nChannel 0: percent rebate comes off of that straight away. You've got anytime we put in place, like insurances, you get the 66% upfront for the first year's premiums, come to us for setting it up. It's the same\n\nChannel 1: Yep.\n\nChannel 0: across all insurers.\n\nChannel 1: Yep.\n\nChannel 0: If you ever need to claim on anything, obviously, you probably call your family first if major injury happens, but you can call us second, and we can help you actually through\n\nChannel 1: Yep.\n\nChannel 0: the claims process and liaise with the insurer on your behalf.\n\nChannel 1: Okay. That's good. I\n\nChannel 0: Beauty.\n\nChannel 1: didn't have that with AMP. I didn't do it all myself.\n\nChannel 0: Yeah. No, mate. We're we're there. We do a lot of claims advice. You get people who are TPD, never work again.\n\nHere's a million dollars. How do you make it last? We basically go to bat for them with the insurers and help them through the process and then help try and invest it to for them to live on for thirty, forty years.\n\nChannel 1: Yeah.\n\nChannel 0: Beauty. Mate, that's pretty much everything for me. Any questions so far?\n\nChannel 1: The only one I've got is, like, additional super contributions and whatnot. So I think I'm about to get a promotion at work that may involve, like, bonuses and stuff.\n\nChannel 0: Okay.\n\nChannel 1: For those, if it was a cash bonus, so to speak, do I just ring you guys and say, hey. I've just gotten this amount of dollars. Can you deposit that in the hub, or do I deposit that all that? Can you assist with that? Because I would have no idea how to do it.\n\nI've never done\n\nChannel 0: Yes.\n\nChannel 1: it before.\n\nChannel 0: So there's a couple of ways to do it. Let's say you get a cash bonus and you wanna put chuck it in your server. We can give you BPAY or EFT details for you to transfer it into your Hub's bank account\n\nChannel 1: Okay.\n\nChannel 0: that's\n\nChannel 1: Okay.\n\nChannel 0: attached to your account. Once that's in there, to claim that as, like, a tax deduction similar to your employer contributions, we do a form called an NOI, notice of intent claim form. And, basically, you\n\nChannel 1: Okay.\n\nChannel 0: chuck $5 in. We prefill a form saying that you wanna claim your 5 grands. As long as you submit that in the same financial year before you do your tax return, that'll come through okay.\n\nChannel 1: Oh, okay. So your super contribution is actually a tax deduction.\n\nChannel 0: Yeah. That's right. So when you put into super, you can claim it as concessional, and then it's taxed at 15%. So if you're on 32, 37%, you get to save that 22 on the dollar.\n\nChannel 1: Oh, okay.\n\nChannel 0: Yep. So\n\nChannel 1: I didn't know that. I might look at doing that when this new salary comes in. If it's\n\nChannel 0: is\n\nChannel 1: a fair bit more\n\nChannel 0: this\n\nChannel 1: than what\n\nChannel 0: something\n\nChannel 1: I'm on\n\nChannel 0: that's\n\nChannel 1: now,\n\nChannel 0: gonna\n\nChannel 1: I might\n\nChannel 0: happen?\n\nChannel 1: put some more under super.\n\nChannel 0: You reckon that's gonna happen before June 30, or is it more just next financial year?\n\nChannel 1: April, May, I've been told.\n\nChannel 0: Okay. Alright. So two ways is if you get, like, a pay increase and you wanna do some regular salary sacrifice, your employee\n\nChannel 1: Yep.\n\nChannel 0: can do that automatically through the payroll, takes it out before it gets taxed. You get the leftover, and that already gives you, like, an instant tax deduction. If you get a lump sum cash bonus, that's like what I said before. You chuck it into your super. You claim it with your tax return.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Cool. So anything\n\nChannel 1: Yep.\n\nChannel 0: at all happens, just give us a buzz. We'll try and contact you around end of financial year. But if anything pops\n\nChannel 1: Yeah.\n\nChannel 0: up, just give us a buzz, and I'll walk you through it.\n\nChannel 1: Yeah. And I'll sleep. But even if it's a $100, that's $5.02 a year, and then that's on top of your super plus your growth of your percentage increase. In thirty years, that's a $150, but it's not a $150. It's a $150 over thirty years that's been compounding.\n\nSo\n\nChannel 0: You've got it. That's, like,\n\nChannel 1: it makes\n\nChannel 0: 3,\n\nChannel 1: a big\n\nChannel 0: 400\n\nChannel 1: difference.\n\nChannel 0: grands.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Absolutely.\n\nChannel 1: I might look at doing something like that.\n\nChannel 0: Cool. I'll make a few notes on your file about that. But, again, give us a call if you get the chance to do it, and we'll\n\nChannel 1: Yeah.\n\nChannel 0: help you through the process.\n\nChannel 1: Yeah. As I said to say, ultimately, I just wanna be comfortable when I retire, if I wanna go play golf or I wanna take my boat over to the day. I don't have to check the bank account and go, oh, can I afford to fill it up? I just wanna\n\nChannel 0: Yeah.\n\nChannel 1: be able to go to the, fill it up, and away I go.\n\nChannel 0: That's one of my favorite things is when you set someone up with a pension account that's got a million dollars in it, and they're basically just, here's your monthly pension coming out that they're living on, and they go, oh, I need a new car. Pull out $20.30 grand, go and buy it. One of the things that we do is just go, hey. You're on your fifth or sixth whole load of Europe. You should probably slow down because you're gonna run out of money.\n\nBut\n\nChannel 1: Yeah.\n\nChannel 0: other than that, again, like you said, once you're comfortable, you can just pull it out as you need to.\n\nChannel 1: Yeah. I said to Fabian, I'll probably I'm gonna talk to missus Asava and gonna try and get her to do a review with you guys as well.\n\nChannel 0: Yep.\n\nChannel 1: Because the big thing for us, especially with today's market and price and whatnot, is our kids. How the hell are they gonna get a house? Like, in\n\nChannel 0: Yeah.\n\nChannel 1: 30 years' time, they'll be struggling. So if I can if me and the missus can contribute even if it's $50 a week or a $100 a week extra to super, and then that 2,200,000.0 or whatever the forecast was grows to say 2.6, 2.8, or even three, I can go, hey. I'm gonna pull $400 out straightaway and give 200 to each of my kids\n\nChannel 0: Yeah.\n\nChannel 1: to help\n\nChannel 0: And\n\nChannel 1: them get a house.\n\nChannel 0: can I ask you as well? So you've got, what, like, a twelve week old and a three year old?\n\nChannel 1: Yeah. So, essentially, I wanna be comfortable, but my kids are at my forefront. So I wanna make sure my kids are looked after if anything ever was ever happened to me.\n\nChannel 0: Yeah. So\n\nChannel 1: So\n\nChannel 0: thinking\n\nChannel 1: that I don't go\n\nChannel 0: sort\n\nChannel 1: with\n\nChannel 0: of\n\nChannel 1: it.\n\nChannel 0: front to back, once you've got your super built up to that level that you can pull out a few $100 helping with the property, One of the things that we can do down the line too is a bit of personal investments to help set them up when they're 18.\n\nChannel 1: Yep.\n\nChannel 0: There's some tax paid child builder bonds that we can look at. There's shares, managed funds. There's all kinds of things that we can do. So when\n\nChannel 1: Yep.\n\nChannel 0: it comes to review time, once everything's stable with you and your partner, we can kind of start talking you through, okay, over the next five, ten, fifteen years, what can we build up for them for when they're 18 as well.\n\nChannel 1: Yeah. That's something we're both definitely interested in to try\n\nChannel 0: Perfect.\n\nChannel 1: and help them out.\n\nChannel 0: Awesome, man. Well, I really appreciate you taking my call today because, again, I just wanna make sure that you understood everything, you were comfortable with it. And, again, I'll put some notes in your account about the contributions, future investments to look at. And, mate, I look forward to chatting with you again when we do the reviews and, end of financial year.\n\nChannel 1: Sounds good. So you're gonna be my point of call for the portfolio? Will that be steady?\n\nChannel 0: You'll be looked after by about two, three people, so you'll\n\nChannel 1: Okay.\n\nChannel 0: have access to Savvy, myself, and our team.\n\nChannel 1: Yep.\n\nChannel 0: Basically, if you need something, whoever's available will jump on as soon as possible just to keep the contact fluid. And then if they need to escalate it up and book them in with me or Sevi, we can do that. Just it's all on a calendar basis. That's all. So\n\nChannel 1: Yeah.\n\nChannel 0: if you\n\nChannel 1: No.\n\nChannel 0: call\n\nChannel 1: That\n\nChannel 0: in,\n\nChannel 1: was\n\nChannel 0: I wanna make sure you talk to straight away.\n\nChannel 1: that was the main reason I took the call and essentially approved the the switch. So I think I've been with AMP since I was 18, and I've been contacted about that many times.\n\nChannel 0: It's weird, isn't\n\nChannel 1: I haven't\n\nChannel 0: it? You\n\nChannel 1: heard\n\nChannel 0: get\n\nChannel 1: from\n\nChannel 0: all the\n\nChannel 1: them\n\nChannel 0: stuff\n\nChannel 1: once.\n\nChannel 0: set up from the employer. They take the fees, but you never hear from them. And then all of a sudden, it takes a whole industry of advisers running around contacting people saying, hey. Have you looked at it? Have you changed it?\n\nWe're kind of these just independent cowboys floating around trying to fix it all up when they should have done that ages ago.\n\nChannel 1: Yeah. I've never heard from them since it was set up.\n\nChannel 0: Oh, mate. We're down\n\nChannel 1: It\n\nChannel 0: to,\n\nChannel 1: was the\n\nChannel 0: I\n\nChannel 1: initial\n\nChannel 0: think\n\nChannel 1: call to set it up, and then that was it.\n\nChannel 0: and did you did you actually do a call to set it up, or would it just been sign something with the employer and off you go?\n\nChannel 1: No. It was a call with that whoever was on that portfolio to set\n\nChannel 0: Yeah?\n\nChannel 1: it up originally. I have never heard from any chance.\n\nChannel 0: Oh, yeah. Jeez. You would have been one of those guys that AMP set up, and then when they got out of the industry, would have been orphans. That guy would have left and started his own gig, and they would have just put you on a list on the back burner.\n\nChannel 1: Yeah. Anthony Gerard James was his name.\n\nChannel 0: Oh, yeah. I might even look him up on the register and see if he's still practicing. That'll be interesting to find out, but maybe he's retired. Who knows?\n\nChannel 1: Yeah. And I I just know that my portfolio has been him since it was started,\n\nChannel 0: Yep.\n\nChannel 1: and I've never heard from the bloke.\n\nChannel 0: And how many years ago was that?\n\nChannel 1: Twelve.\n\nChannel 0: Jeez. Only the only thing with us, mate, is we call, text, and email. You let us know how much is too much or too little, and we'll sort of tailor it to you a little bit.\n\nChannel 1: I'm a yeah. You'll learn pretty quickly, but I'm a person that thrives off communication. That's how I run this business. That's how I communicate with friends and family. Like, communication is of utmost importance.\n\nIf you're not communicating with me, then I'll shop around for somebody else because I wanna know what's going on with it. If there's a way that I can improve it, I wanna be the first person to know so that we can action it and jump on it. I am a bit of a risk taker, but,\n\nChannel 0: Yep.\n\nChannel 1: again, I wanna see the best growth for my super so I can retire comfortably and help my children.\n\nChannel 0: That's fantastic, mate. We're gonna get along very well. So I'll make sure you're plugged in for some quarterly catch ups. Anything pops\n\nChannel 1: Yep.\n\nChannel 0: up in your life, like you mentioned, with the pay increases and bonuses, just give us a buzz, and we'll have a chat.\n\nChannel 1: Sounds good.\n\nChannel 0: Awesome, Jake. Mate, anything else for me before I let you go?\n\nChannel 1: No. That was all.\n\nChannel 0: Awesome, dude. Well, you have a fantastic week, and we'll talk to you at that welcome call.\n\nChannel 1: Awesome. Thanks, man. Same to you. Appreciate the call and what you and the team have done so far.\n\nChannel 0: No worries at all, mate. Looking forward to it. Cheers.\n\nChannel 1: Alright. Thanks, man. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.08,"end":0.16,"sentiment":"neutral","sentiment_score":0.04874572157859802},{"text":"You've reached Jake Spine.","start":0.16,"end":1.46,"sentiment":"neutral","sentiment_score":0.0431433510966599},{"text":"Hi, 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pops","start":918.585,"end":919.625,"sentiment":"neutral","sentiment_score":0.11075360141694546}],"sentiment":"neutral","sentiment_score":0.21206632222641597,"channel":0,"num_words":22,"start":914.105,"end":919.625},{"sentences":[{"text":"Yeah.","start":919.54,"end":920.04,"sentiment":"neutral","sentiment_score":0.1751067340373993}],"sentiment":"neutral","sentiment_score":0.1751067340373993,"channel":1,"num_words":1,"start":919.54,"end":920.04},{"sentences":[{"text":"up, just give us a buzz, and I'll walk you through it.","start":919.625,"end":921.75,"sentiment":"neutral","sentiment_score":0.2876020980377992}],"sentiment":"neutral","sentiment_score":0.2876020980377992,"channel":0,"num_words":12,"start":919.625,"end":921.75},{"sentences":[{"text":"Yeah.","start":922.065,"end":922.185,"sentiment":"neutral","sentiment_score":0.16454936563968658},{"text":"And I'll sleep.","start":922.185,"end":922.78503,"sentiment":"neutral","sentiment_score":0.1686553955078125},{"text":"But even if it's a 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we'll","start":949.38,"end":952.98004,"sentiment":"neutral","sentiment_score":0.16279225423932076}],"sentiment":"neutral","sentiment_score":0.2023389979645058,"channel":0,"num_words":27,"start":946.74005,"end":952.98004},{"sentences":[{"text":"Yeah.","start":952.915,"end":953.415,"sentiment":"neutral","sentiment_score":0.23453250527381897}],"sentiment":"neutral","sentiment_score":0.23453250527381897,"channel":1,"num_words":1,"start":952.915,"end":953.415},{"sentences":[{"text":"help you through the process.","start":952.98004,"end":954.12006,"sentiment":"neutral","sentiment_score":0.27717302143573763}],"sentiment":"neutral","sentiment_score":0.27717302143573763,"channel":0,"num_words":5,"start":952.98004,"end":954.12006},{"sentences":[{"text":"Yeah.","start":954.27496,"end":954.51495,"sentiment":"neutral","sentiment_score":0.10239340364933014},{"text":"As I said to say, ultimately, I just wanna be comfortable when I retire, if I wanna go play golf or I wanna take my boat over to the day.","start":954.51495,"end":961.81006,"sentiment":"neutral","sentiment_score":0.16707816521326702},{"text":"I don't have to check the bank account and go, oh, can I afford to fill it up?","start":961.81006,"end":964.69,"sentiment":"neutral","sentiment_score":-0.005166642574800385},{"text":"I just wanna","start":964.69,"end":965.49005,"sentiment":"neutral","sentiment_score":0.03734093780318896}],"sentiment":"neutral","sentiment_score":0.09872618475212501,"channel":1,"num_words":52,"start":954.27496,"end":965.49005},{"sentences":[{"text":"Yeah.","start":965.315,"end":965.815,"sentiment":"neutral","sentiment_score":0.046140097081661224}],"sentiment":"neutral","sentiment_score":0.046140097081661224,"channel":0,"num_words":1,"start":965.315,"end":965.815},{"sentences":[{"text":"be able to go to the, fill it up, and away I go.","start":965.49005,"end":968.87006,"sentiment":"neutral","sentiment_score":0.13338543531986383}],"sentiment":"neutral","sentiment_score":0.13338543531986383,"channel":1,"num_words":13,"start":965.49005,"end":968.87006},{"sentences":[{"text":"That's one of my favorite things is when you set someone up with a pension account that's got a million dollars in it, and they're basically just, here's your monthly pension coming out that they're living on, and they go, oh, I need a new car.","start":968.915,"end":979.15,"sentiment":"neutral","sentiment_score":0.24355714201279308},{"text":"Pull out $20.30 grand, go and buy it.","start":979.53,"end":981.79004,"sentiment":"positive","sentiment_score":0.3820222557655403},{"text":"One of the things that we do is just go, hey.","start":981.93,"end":983.77,"sentiment":"neutral","sentiment_score":0.25252293050289154},{"text":"You're on your fifth or sixth whole load of 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to.","start":988.55505,"end":993.215,"sentiment":"positive","sentiment_score":0.35992972552776337}],"sentiment":"positive","sentiment_score":0.35992972552776337,"channel":0,"num_words":20,"start":988.55505,"end":993.215},{"sentences":[{"text":"Yeah.","start":993.35,"end":993.67,"sentiment":"neutral","sentiment_score":0.2880793809890747},{"text":"I said to Fabian, I'll probably I'm gonna talk to missus Asava and gonna try and get her to do a review with you guys as well.","start":993.67,"end":1000.01,"sentiment":"neutral","sentiment_score":0.26862939254001333}],"sentiment":"neutral","sentiment_score":0.2693240349846227,"channel":1,"num_words":28,"start":993.35,"end":1000.01},{"sentences":[{"text":"Yep.","start":1000.23505,"end":1000.73505,"sentiment":"neutral","sentiment_score":0.21028679609298703}],"sentiment":"neutral","sentiment_score":0.21028679609298703,"channel":0,"num_words":1,"start":1000.23505,"end":1000.73505},{"sentences":[{"text":"Because the big thing for us, especially with today's market and price and whatnot, is our kids.","start":1001.085,"end":1006.445,"sentiment":"neutral","sentiment_score":0.1552825510940131},{"text":"How the hell are they gonna get a house?","start":1006.445,"end":1009.345,"sentiment":"neutral","sentiment_score":-0.303103291326099},{"text":"Like, in","start":1009.645,"end":1009.965,"sentiment":"neutral","sentiment_score":-0.09088048711419106}],"sentiment":"neutral","sentiment_score":-0.009638829555894648,"channel":1,"num_words":28,"start":1001.085,"end":1009.965},{"sentences":[{"text":"Yeah.","start":1009.86,"end":1010.36,"sentiment":"neutral","sentiment_score":-0.10460765659809113}],"sentiment":"neutral","sentiment_score":-0.10460765659809113,"channel":0,"num_words":1,"start":1009.86,"end":1010.36},{"sentences":[{"text":"30 years' time, they'll be struggling.","start":1009.965,"end":1012.465,"sentiment":"neutral","sentiment_score":-0.3195163334409396},{"text":"So if I can if me and the missus can contribute even if it's $50 a 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knows?","start":1221.795,"end":1222.4551,"sentiment":"neutral","sentiment_score":-0.027539334259927273}],"sentiment":"neutral","sentiment_score":-0.004128717014501835,"channel":0,"num_words":29,"start":1214.98,"end":1222.4551},{"sentences":[{"text":"Yeah.","start":1222.945,"end":1223.445,"sentiment":"neutral","sentiment_score":0.0005800416693091393},{"text":"And I I just know that my portfolio has been him since it was started,","start":1223.505,"end":1227.205,"sentiment":"neutral","sentiment_score":0.003871923560897509}],"sentiment":"neutral","sentiment_score":0.003666180942673236,"channel":1,"num_words":16,"start":1222.945,"end":1227.205},{"sentences":[{"text":"Yep.","start":1227.635,"end":1228.135,"sentiment":"neutral","sentiment_score":-0.0015239007771015167}],"sentiment":"neutral","sentiment_score":-0.0015239007771015167,"channel":0,"num_words":1,"start":1227.635,"end":1228.135},{"sentences":[{"text":"and I've never heard from the bloke.","start":1227.6649,"end":1229.285,"sentiment":"neutral","sentiment_score":-0.04734601346509797}],"sentiment":"neutral","sentiment_score":-0.04734601346509797,"channel":1,"num_words":7,"start":1227.6649,"end":1229.285},{"sentences":[{"text":"And how many years ago was that?","start":1229.795,"end":1231.56,"sentiment":"neutral","sentiment_score":-0.012778085789510183}],"sentiment":"neutral","sentiment_score":-0.012778085789510183,"channel":0,"num_words":7,"start":1229.795,"end":1231.56},{"sentences":[{"text":"Twelve.","start":1231.985,"end":1232.485,"sentiment":"neutral","sentiment_score":0.003340102732181549}],"sentiment":"neutral","sentiment_score":0.003340102732181549,"channel":1,"num_words":1,"start":1231.985,"end":1232.485},{"sentences":[{"text":"Jeez.","start":1234.1201,"end":1234.6201,"sentiment":"neutral","sentiment_score":0.02213510125875473},{"text":"Only the only thing with us, mate, is we call, text, and email.","start":1235.4801,"end":1239.3201,"sentiment":"neutral","sentiment_score":0.023821146585620366},{"text":"You let us know how much is too much or too little, and we'll sort of tailor it to you a little bit.","start":1239.3201,"end":1244.085,"sentiment":"neutral","sentiment_score":-0.0011281576817450316}],"sentiment":"neutral","sentiment_score":0.008266550815991452,"channel":0,"num_words":37,"start":1234.1201,"end":1244.085},{"sentences":[{"text":"I'm a yeah.","start":1244.12,"end":1245.24,"sentiment":"neutral","sentiment_score":0.12026748061180115},{"text":"You'll learn pretty quickly, but I'm a person that thrives off communication.","start":1245.24,"end":1249.235,"sentiment":"neutral","sentiment_score":0.22817781070868173},{"text":"That's how I run this business.","start":1249.295,"end":1250.675,"sentiment":"neutral","sentiment_score":0.2350288157661756},{"text":"That's how I communicate with friends and family.","start":1251.455,"end":1253.855,"sentiment":"neutral","sentiment_score":0.22940726950764656},{"text":"Like, communication is of utmost importance.","start":1253.855,"end":1256.895,"sentiment":"neutral","sentiment_score":0.2350623682141304}],"sentiment":"neutral","sentiment_score":0.22156404086521694,"channel":1,"num_words":35,"start":1244.12,"end":1256.895},{"sentences":[{"text":"If you're not communicating with me, then I'll shop around for somebody else because I wanna know what's going on with it.","start":1256.895,"end":1262.76,"sentiment":"neutral","sentiment_score":-0.06136182579211891},{"text":"If there's a way that I can improve it, I wanna be the first person to know so that we can action it and jump on it.","start":1262.76,"end":1268.12,"sentiment":"neutral","sentiment_score":0.14801126690926375},{"text":"I am a bit of a risk taker, but,","start":1268.12,"end":1270.6,"sentiment":"neutral","sentiment_score":-0.1578028682205412}],"sentiment":"neutral","sentiment_score":0.021139969398941975,"channel":1,"num_words":58,"start":1256.895,"end":1270.6},{"sentences":[{"text":"Yep.","start":1270.4349,"end":1270.9349,"sentiment":"neutral","sentiment_score":0.007360103540122509}],"sentiment":"neutral","sentiment_score":0.007360103540122509,"channel":0,"num_words":1,"start":1270.4349,"end":1270.9349},{"sentences":[{"text":"again, I wanna see the best growth for my super so I can retire comfortably and help my children.","start":1270.6,"end":1275.9651,"sentiment":"neutral","sentiment_score":0.23425721141852832}],"sentiment":"neutral","sentiment_score":0.23425721141852832,"channel":1,"num_words":19,"start":1270.6,"end":1275.9651},{"sentences":[{"text":"That's fantastic, mate.","start":1276.4349,"end":1277.5549,"sentiment":"positive","sentiment_score":0.774731437365214},{"text":"We're gonna get along very well.","start":1277.5549,"end":1279.095,"sentiment":"positive","sentiment_score":0.6810149351755778},{"text":"So I'll make sure you're plugged in for some quarterly catch ups.","start":1279.155,"end":1282.29,"sentiment":"neutral","sentiment_score":0.24677246560653052},{"text":"Anything pops","start":1282.4501,"end":1283.01,"sentiment":"neutral","sentiment_score":0.07731318846344948}],"sentiment":"positive","sentiment_score":0.41418173423279886,"channel":0,"num_words":23,"start":1276.4349,"end":1283.01},{"sentences":[{"text":"Yep.","start":1282.8251,"end":1283.3251,"sentiment":"neutral","sentiment_score":0.02960108034312725}],"sentiment":"neutral","sentiment_score":0.02960108034312725,"channel":1,"num_words":1,"start":1282.8251,"end":1283.3251},{"sentences":[{"text":"up in your life, like you mentioned, with the pay increases and bonuses, just give us a buzz, and we'll have a chat.","start":1283.01,"end":1288.15,"sentiment":"positive","sentiment_score":0.43042467081028485}],"sentiment":"positive","sentiment_score":0.43042467081028485,"channel":0,"num_words":23,"start":1283.01,"end":1288.15},{"sentences":[{"text":"Sounds good.","start":1288.77,"end":1289.59,"sentiment":"positive","sentiment_score":0.7254813313484192}],"sentiment":"positive","sentiment_score":0.7254813313484192,"channel":1,"num_words":2,"start":1288.77,"end":1289.59},{"sentences":[{"text":"Awesome, Jake.","start":1290.13,"end":1290.6901,"sentiment":"positive","sentiment_score":0.7344383597373962},{"text":"Mate, anything else for me before I let you go?","start":1290.6901,"end":1292.63,"sentiment":"neutral","sentiment_score":0.3045522063970566}],"sentiment":"positive","sentiment_score":0.3761998986204465,"channel":0,"num_words":12,"start":1290.13,"end":1292.63},{"sentences":[{"text":"No.","start":1293.01,"end":1293.1699,"sentiment":"neutral","sentiment_score":0.03502809628844261},{"text":"That was all.","start":1293.1699,"end":1294.07,"sentiment":"neutral","sentiment_score":0.21817526469628015}],"sentiment":"neutral","sentiment_score":0.17238847259432077,"channel":1,"num_words":4,"start":1293.01,"end":1294.07},{"sentences":[{"text":"Awesome, dude.","start":1294.545,"end":1295.1051,"sentiment":"positive","sentiment_score":0.7401512563228607},{"text":"Well, you have a fantastic week, and we'll talk to you at that welcome call.","start":1295.1051,"end":1299.925,"sentiment":"positive","sentiment_score":0.7554734985033671}],"sentiment":"positive","sentiment_score":0.7536708817762487,"channel":0,"num_words":17,"start":1294.545,"end":1299.925},{"sentences":[{"text":"Awesome.","start":1301.0249,"end":1301.345,"sentiment":"positive","sentiment_score":0.7954421043395996},{"text":"Thanks, man.","start":1301.345,"end":1301.9049,"sentiment":"positive","sentiment_score":0.8118846416473389},{"text":"Same to you.","start":1301.9049,"end":1302.5449,"sentiment":"positive","sentiment_score":0.7783805330594381},{"text":"Appreciate the call and what you and the team have done so far.","start":1302.5449,"end":1305.445,"sentiment":"positive","sentiment_score":0.8167536625495324}],"sentiment":"positive","sentiment_score":0.809060557892448,"channel":1,"num_words":19,"start":1301.0249,"end":1305.445},{"sentences":[{"text":"No worries at all, mate.","start":1305.7109,"end":1306.8309,"sentiment":"positive","sentiment_score":0.5511978268623352},{"text":"Looking forward to it.","start":1306.8309,"end":1307.631,"sentiment":"positive","sentiment_score":0.762422040104866},{"text":"Cheers.","start":1307.631,"end":1308.131,"sentiment":"positive","sentiment_score":0.652317464351654}],"sentiment":"positive","sentiment_score":0.6457994759082795,"channel":0,"num_words":10,"start":1305.7109,"end":1308.131},{"sentences":[{"text":"Alright.","start":1308.3049,"end":1308.625,"sentiment":"positive","sentiment_score":0.4018427729606629},{"text":"Thanks, man.","start":1308.625,"end":1309.2649,"sentiment":"positive","sentiment_score":0.6717828512191772},{"text":"Bye.","start":1309.2649,"end":1309.7649,"sentiment":"positive","sentiment_score":0.4896027743816376}],"sentiment":"positive","sentiment_score":0.5587528124451637,"channel":1,"num_words":4,"start":1308.3049,"end":1309.7649},{"sentences":[{"text":"Bye.","start":1309.631,"end":1310.131,"sentiment":"neutral","sentiment_score":-0.1120745837688446}],"sentiment":"neutral","sentiment_score":-0.1120745837688446,"channel":0,"num_words":1,"start":1309.631,"end":1310.131}]},"summary":{"result":"success","short":"The representative from Oakview thanks the customer for their previous advice documents and introduces them to their senior adviser. They discuss the SMA structure for a portfolio and emphasize the importance of updating debts and income. The speaker provides personal information and describes their current work situation. They discuss their medical history, upcoming surgery, and past experiences with shoulder and knee injuries. They emphasize the importance of proper insurance coverage and personal health and lifestyle information. The speaker emphasizes the importance of being comfortable with retirement age for their children and offers to help set up a new account for them. They also discuss their plans to help their children set up a house when they are 18, and suggest a personal investment to help them out. They emphasize the importance of communication and offer quarterly catchups."},"intents":{"segments":[{"text":"Just wanted to thank you for doing that and and kind of welcome you to Oakview. One Yep.","start_word":140,"end_word":157,"intents":[{"intent":"Express gratitude","confidence_score":0.18192276},{"intent":"Express gratitude","confidence_score":0.122261055}]},{"text":"of the things I wanna go through as a senior adviser, I just go through a couple of quick checks at the end just to make sure you understand everything and that you're comfortable with it all, and then Yep. just a bit of a heads up with what's coming down the line if that's alright. Yeah.","start_word":158,"end_word":214,"intents":[{"intent":"Provide instructions","confidence_score":0.000011410538}]},{"text":"Just quickly, just wanna start with any questions you might have from the advice that you went through with Fabian. Really?","start_word":218,"end_word":238,"intents":[{"intent":"Ask questions","confidence_score":0.05401799}]},{"text":"Just quickly, just wanna start with any questions you might have from the advice that you went through with Fabian. Really? Like, I was keen to execute it the first time I did it however many years ago that was. Yes.","start_word":218,"end_word":258,"intents":[{"intent":"Discuss options","confidence_score":0.016736459}]},{"text":"Did they explain to you the SMA structure for what recommended? Don't believe so.","start_word":674,"end_word":687,"intents":[{"intent":"Promote sma structure","confidence_score":0.009959034}]},{"text":"So, basically, it just makes it a bit more fluid if that makes sense. Normally, with advisers, we get in touch with you, and we give you a new advice document the same as the one you've just gotten for, like, a new Yep. one. But this allows us to keep your portfolio update throughout the year as well.","start_word":769,"end_word":827,"intents":[{"intent":"Update portfolio","confidence_score":0.15116346}]},{"text":"I think the only thing that we're gonna double check with them was just you had a couple of, like was it the shoulder and the knee with the reconstructions?","start_word":988,"end_word":1017,"intents":[{"intent":"Check needs","confidence_score":0.0048113344}]},{"text":"So one of the things that they do is when you go through that welcome call, they're pretty much going to set you up with, like, quarterly contacts with us, get your security Yep.","start_word":1073,"end_word":1106,"intents":[{"intent":"Schedule monthly contacts","confidence_score":0.006741401}]},{"text":"questions down for when you call through so we can protect your details, and then they'll run through those medical questions. Just check dates, doctors, symptoms, and and that kind of thing.","start_word":1107,"end_word":1138,"intents":[{"intent":"Seek medical advice","confidence_score":0.0023680737}]},{"text":"Just check dates, doctors, symptoms, and and that kind of thing.","start_word":1128,"end_word":1138,"intents":[{"intent":"Check medical issues","confidence_score":0.007414754}]},{"text":"one one of the doctors did the same doctor did my knee three times, three separate incidents. That same doctor did my right shoulder, and then my recent doctor, when I was living in Townsville, he did my left one. Sure.","start_word":1149,"end_word":1189,"intents":[{"intent":"Check knee and shoulder","confidence_score":0.04183604},{"intent":"Discuss treatment history","confidence_score":0.0017166038}]},{"text":"Shoulder How did decompression that happen? surgery.","start_word":1274,"end_word":1280,"intents":[{"intent":"Discuss decompressions","confidence_score":0.0018427161}]},{"text":"That was my trial game for a grade when I was 18. I got taken off on a stretcher. I called Oh, held, no. and some fella just come in and cannibal my right leg and just felt to go straight away. I was like, oh, that hurts. Straight to straight to surgery. Jeez.","start_word":1339,"end_word":1392,"intents":[{"intent":"Report trial game","confidence_score":0.048294812}]},{"text":"while I'm on the health questions there, I did want to just quickly let you know the with the vaping and the smokers rates, Yep.","start_word":1769,"end_word":1793,"intents":[{"intent":"Discuss vaping and smokers rates","confidence_score":0.09536147}]},{"text":"Estate planning wise, when you go through that welcome call, are you okay for the team to just prefill beneficiary forms for you for the super and the life insurance? Because you got your Yeah.","start_word":1911,"end_word":1945,"intents":[{"intent":"Promote estate planning","confidence_score":0.0071928133}]},{"text":"But the one thing that I wanna just remind you as well is those will kits from the post office, you can also get a power of attorney kit for $25 as well. Do you remember Yep.","start_word":2210,"end_word":2246,"intents":[{"intent":"Inquire about power of attorney kit","confidence_score":0.003588329},{"intent":"Explain power of attorney kit","confidence_score":0.0011732457}]},{"text":"Last thing I'll just touch on is the with the fees with us. So we've got the upfront fee coming out of the super for three nine four nine. 15 Yep.","start_word":2350,"end_word":2380,"intents":[{"intent":"Discuss fees","confidence_score":0.47482142}]},{"text":"If you ever need to claim on anything, obviously, you probably call your family first if major injury happens, but you can call us second, and we can help you actually through Yep. the claims process and liaise with the insurer on your behalf. Okay.","start_word":2423,"end_word":2467,"intents":[{"intent":"Help with claims process and liaise with insurer","confidence_score":0.000052127325}]},{"text":"The only one I've got is, like, additional super contributions and whatnot. So I think I'm about to get a promotion at work that may involve, like, bonuses and stuff. Okay.","start_word":2561,"end_word":2591,"intents":[{"intent":"Ask about promotion and super contributions","confidence_score":0.00009006249}]},{"text":"Can you assist with that?","start_word":2633,"end_word":2637,"intents":[{"intent":"Request assistance with transferring cash bonus and super contributions","confidence_score":0.000007425528}]},{"text":"So your super contribution is actually a tax deduction. Yeah.","start_word":2775,"end_word":2784,"intents":[{"intent":"Confirm if super contribution is a tax deduction","confidence_score":0.00021205693}]},{"text":"30 grand, go and buy it. One of the things that we do is just go, hey. You're on your fifth or sixth whole load of Europe. You should probably slow down because you're gonna run out of money. But Yeah.","start_word":3229,"end_word":3269,"intents":[{"intent":"Discuss crowdfunding","confidence_score":0.000064761894}]},{"text":"it comes to review time, once everything's stable with you and your partner, we can kind of start talking you through, okay, over the next five, ten, fifteen years, what can we build up for them for when they're 18 as well. Yeah.","start_word":3566,"end_word":3608,"intents":[{"intent":"Review time","confidence_score":0.15582353}]},{"text":"That's something we're both definitely interested in to try Perfect. and help them out.","start_word":3608,"end_word":3621,"intents":[{"intent":"Help out","confidence_score":0.15709007}]},{"text":"Well, I really appreciate you taking my call today because, again, I just wanna make sure that you understood everything, you were comfortable with it.","start_word":3624,"end_word":3648,"intents":[{"intent":"Ensure understanding","confidence_score":0.04352109},{"intent":"Understand details","confidence_score":0.00022879535}]},{"text":"And, again, I'll put some notes in your account about the contributions, future investments to look at.","start_word":3649,"end_word":3665,"intents":[{"intent":"Put notes","confidence_score":0.20934059},{"intent":"Discuss contributions","confidence_score":0.50157297},{"intent":"Discuss investments","confidence_score":0.45896155}]},{"text":"So you're gonna be my point of call for the portfolio? Will that be steady?","start_word":3688,"end_word":3702,"intents":[{"intent":"Discuss portfolio management","confidence_score":0.000824742},{"intent":"Ensure consistency","confidence_score":0.006326049}]},{"text":"So you're gonna be my point of call for the portfolio? Will that be steady? You'll be looked after by about two, three people, so you'll Okay. have access to Savvy, myself, and our team. Yep.","start_word":3688,"end_word":3723,"intents":[{"intent":"Get contact information","confidence_score":0.0005366657}]},{"text":"Basically, if you need something, whoever's available will jump on as soon as possible just to keep the contact fluid. And then if they need to escalate it up and book them in with me or Sevi, we can do that. Just it's all on a calendar basis. That's all.","start_word":3724,"end_word":3773,"intents":[{"intent":"Reschedule escalation","confidence_score":0.00042094232}]},{"text":"They take the fees, but you never hear from them.","start_word":3846,"end_word":3855,"intents":[{"intent":"Discuss fees","confidence_score":0.05661883}]},{"text":"Oh, mate.","start_word":3918,"end_word":3919,"intents":[{"intent":"End call","confidence_score":0.036480267}]},{"text":"We're down It to, was the I initial think call to set it up, and then that was it.","start_word":3921,"end_word":3939,"intents":[{"intent":"Set up call","confidence_score":0.06306529}]},{"text":"I'm a yeah.","start_word":4148,"end_word":4150,"intents":[{"intent":"Assess communication skills","confidence_score":0.001570895}]},{"text":"If there's a way that I can improve it, I wanna be the first person to know so that we can action it and jump on it.","start_word":4205,"end_word":4231,"intents":[{"intent":"Seek portfolio improvement","confidence_score":0.0015759671}]},{"text":"So I'll make sure you're plugged in for some quarterly catch ups. Anything pops Yep.","start_word":4270,"end_word":4284,"intents":[{"intent":"Schedule quarterly catch ups","confidence_score":0.13844475}]}]},"sentiments":{"segments":[{"text":"Hi. You've reached Jake Spine. Hi, mate. Hey, Hello? Jake. Tommy here from. Oh. Can you hear me okay? Yep. Yep. Sorry. Sorry. I I just went had a to bit of answering a phone it click. sent you the voice mail.","start_word":0,"end_word":41,"sentiment":"neutral","sentiment_score":0.022688003256917},{"text":"Easy done, mate.","start_word":42,"end_word":44,"sentiment":"positive","sentiment_score":0.37843212485313416},{"text":"Easy done. How'd you go with the checking? Alright? Yeah.","start_word":45,"end_word":54,"sentiment":"neutral","sentiment_score":0.148393914103508},{"text":"It was good. Beauty, I had a beauty.","start_word":55,"end_word":62,"sentiment":"positive","sentiment_score":0.4894943237304687},{"text":"half I chicken suppose from a Nando's.","start_word":63,"end_word":69,"sentiment":"neutral","sentiment_score":0.21360237896442413},{"text":"bit of It's delicious.","start_word":70,"end_word":73,"sentiment":"positive","sentiment_score":0.480012983083725},{"text":"from Nando's. Oh, mate. Yeah. I only I've have some had sugar that for bean ages. on a bit of a cut at the moment, so I think I need to get some Nando's for dinner tonight. Yep. Mate, I just wanna give you a quick, quick call. We've Mhmm. gotten through all of the advice documents signed for your super switch and everything like that.","start_word":74,"end_word":139,"sentiment":"neutral","sentiment_score":0.17212529480457306},{"text":"Just wanted to thank you for doing that and and kind of welcome you to Oakview.","start_word":140,"end_word":155,"sentiment":"positive","sentiment_score":0.7066778540611267},{"text":"One Yep. of the things I wanna go through as a senior adviser, I just go through a couple of quick checks at the end just to make sure you understand everything and that you're comfortable with it all, and then Yep. just a bit of a heads up with what's coming down the line if that's alright. Yeah. That's fine. Beauty. Just quickly, just wanna start with any questions you might have from the advice that you went through with Fabian. Really? Like, I was keen to execute it the first time I did it however many years ago that was. Yes. And I was just a bit hesitant being a bit younger and knew nothing about you guys. And since then, I've done some research and figured out that it's an Australian business and based out of Southport on the Gold Coast and Yeah. then Yep.","start_word":156,"end_word":303,"sentiment":"neutral","sentiment_score":0.14047804474830627},{"text":"went through, like, half of your reviews, and it's all pretty positive. So I was like, oh, I'll give you a go. Alright. Awesome, mate. Thank you for taking the leap of faith. And, look, we do pride ourselves on on service, and we're in the Gold Coast, of course, but we service nationally. Yep. And, look, if you're ever at our neck of the woods, you're more than welcome to pop into the office for lunch and meet the team and everything. That's no worries at all. Oh, sweet. And I'm a take if you're care for that that.","start_word":304,"end_word":403,"sentiment":"positive","sentiment_score":0.462852292060852},{"text":"way inclined, we do have the old Facebook TikTok videos and things like that. So if you wanna get a bit more familiar with the team you'll be working with, we're also in your financial services guide. So that's like consumer protections document you got sent through. Yep. If you're curious, license details are in there. The whole team's in there. You can kind of see all of us and how we're registered with ASIC as well. That's alright. It was just when I was younger, and then as you get older, you start to research things and and whatnot. And I started getting over some shares and some crypto Are you? and went out of that. And then I was like, I'm just gonna let don't sing any from now on. And if I need help, people pay me good money to fix air cons and install air cons. So I pay people good money to look after my finances because I don't know how to do it.","start_word":404,"end_word":572,"sentiment":"neutral","sentiment_score":0.07361924648284912},{"text":"I'm not qualified.","start_word":573,"end_word":575,"sentiment":"negative","sentiment_score":-0.36928147077560425},{"text":"It's totally fair. Totally fair. And look, we always start off with that kind of basis with your super at the start because that's what you were after. If anything Yep. else pops up down the line, whether it comes to investment advice to do with the properties, anything else, we're pretty qualified to give you holistic advice across the board. Yeah. Okay. Sweet.","start_word":576,"end_word":639,"sentiment":"neutral","sentiment_score":0.13535761833190918},{"text":"Awesome.","start_word":640,"end_word":640,"sentiment":"positive","sentiment_score":0.3802661895751953},{"text":"Well, definitely. So I'm just gonna quickly run through a couple of things from that document there. So with your AMP signature super, obviously, you're switching to Hub 24, Yep. high growth portfolio. Did they explain to you the SMA structure for what recommended? Don't believe so. Cool. So with this SMA, it's called a separately managed account. You can sort of Google those ones too. Basically, the whole point of them is it bubbles up your portfolio on the super.","start_word":641,"end_word":721,"sentiment":"neutral","sentiment_score":0.11710171125553272},{"text":"So we've got, like, eight or nine investments for you, all really low fee, fantastic performance, but it puts a bubble around it so that we can actually chop and make changes every couple of months with our investment committee and also with BlackRock as well.","start_word":722,"end_word":767,"sentiment":"positive","sentiment_score":0.4355722963809967},{"text":"Yep. So, basically, it just makes it a bit more fluid if that makes sense. Normally, with advisers, we get in touch with you, and we give you a new advice document the same as the one you've just gotten for, like, a new Yep. one. But this allows us to keep your portfolio update throughout the year as well. Yeah. Okay. That makes sense? Yep. Beauty? When it comes to the insurance side of things, obviously, that was based on what we call a needs analysis. So making Mhmm. sure your debts are covered, your income's covered, you're protected across the board for life, TPD, and income protection. They're gonna go through a personal statement with you. Have you ever been through one of those? Don't think so. That's okay. All it is is when you get an insurance application, they just check health and occupation details. We've Okay. got Yeah. Yep. we've got most of it, but there's just a couple of things that we get on, like, a recorded call that we, I guess, anonymously shoot through to the insurers to make sure it's gonna go through okay. If there's any Yep. issues at all, we basically give you a call and walk you through, like, a plan b or c if we need to. Okay. Cool. I think the only thing that we're gonna double check with them was just you had a couple of, like was it the shoulder and the knee with the reconstructions? I've had meniscal repair meniscal repairs on my right Yep. knee, three of them. So I've had my meniscus repaired three times and some cartilage removed out of my right knee. Yep. So we'll have to get that reconstructed down the track. That was the advice given from the orthopedic surgeon at the time.","start_word":768,"end_word":1071,"sentiment":"neutral","sentiment_score":0.06046517193317413},{"text":"Cool.","start_word":1072,"end_word":1072,"sentiment":"positive","sentiment_score":0.46472376585006714},{"text":"So one of the things that they do is when you go through that welcome call, they're pretty much going to set you up with, like, quarterly contacts with us, get your security Yep. questions down for when you call through so we can protect your details, and then they'll run through those medical questions. Just check dates, doctors, symptoms, and and that kind of thing. And that's Yeah. Well, basically one, yeah, for go ahead. one one of the doctors did the same doctor did my knee three times, three separate incidents. That same doctor did my right shoulder, and then my recent doctor, when I was living in Townsville, he did my left one. Sure. There's only really two two main doctors. Yeah. That's it. Two doctors. One that did my knee and right shoulder and the other doctor that did my left shoulder, just partial arthroscopy repairs of tendons that I had almost oh, sorry. Not tendons, ligaments that I almost severed. Oh, jeez. So That they was fun. put How them did you back do together that? and pre anchored them to the bone and tissue and all that sort of stuff and cleaned it up. Beauty. Shoulder How did decompression that happen? surgery. That's what it's called. Ah, The right one was from NRL. like, I was okay. playing Yeah. professionally Yeah. NRL. Up The in knee North was from Queensland NRL. or No. In in Brisbane, I was playing for Logan Brothers. Logan Brothers. No So, way. yeah, South Logan, pretty well, Raiders and Broncos feed the teams. Yeah.","start_word":1073,"end_word":1337,"sentiment":"neutral","sentiment_score":0.052014824002981186},{"text":"Fantastic.","start_word":1338,"end_word":1338,"sentiment":"positive","sentiment_score":0.48304885625839233},{"text":"That was my trial game for a grade when I was 18. I got taken off on a stretcher. I called Oh, held, no. and some fella just come in and cannibal my right leg and just felt to go straight away. I was like, oh, that hurts. Straight to straight to surgery. Jeez. And you're still doing a few few treatments nowadays catching up and finishing it off? No. It's Yep. not too bad now. Like, I'm 30 now. It's twelve years on. In the winter, it gets a little bit stiff and a bit sore sometimes. That time in the office now, not on the pills.","start_word":1339,"end_word":1446,"sentiment":"neutral","sentiment_score":-0.10715651263793308},{"text":"It just hurts.","start_word":1447,"end_word":1449,"sentiment":"negative","sentiment_score":-0.50429767370224},{"text":"Switch occupations for that. Same occupation just got promoted up in the management, so I'm also in the office than I am out in the field. I control Yeah.","start_word":1450,"end_word":1478,"sentiment":"neutral","sentiment_score":0.14609716832637787},{"text":"the business Nice. now rather than perform the work.","start_word":1479,"end_word":1487,"sentiment":"positive","sentiment_score":0.42776715755462646},{"text":"That's where you want to be rather than limping around on the tools. Yeah. And then my shoulder, right shoulder was from foot had problems with it, and then a drunken night on the drink down the Gold Coast. I had a friend's property, and somehow I was leaning on the back of the quad, And they took off, and I didn't even realize that they'd taken off. And, yeah, I forgot to let go.","start_word":1488,"end_word":1562,"sentiment":"neutral","sentiment_score":-0.14836564660072327},{"text":"And my arm went with the cord and just ripped it straight out the socket. Oh, Dislocated my.","start_word":1563,"end_word":1580,"sentiment":"negative","sentiment_score":-0.34414443373680115},{"text":"That doesn't it, and it sound fun. yeah. Now it went back in, but took all the tendons with it.","start_word":1581,"end_word":1600,"sentiment":"neutral","sentiment_score":-0.2802591323852539},{"text":"That hurt. I didn't feel it that night. I felt it in the morning when I woke up, and I was so bothered.","start_word":1601,"end_word":1623,"sentiment":"negative","sentiment_score":-0.45629867911338806},{"text":"Oh, that was and then, yeah, I couldn't Damn. couldn't lift That's a it bit above more my than head a at Panadol all. and a Nurofen, Yeah. Yeah.","start_word":1624,"end_word":1652,"sentiment":"neutral","sentiment_score":-0.1486782729625702},{"text":"It was pretty bad.","start_word":1653,"end_word":1656,"sentiment":"negative","sentiment_score":-0.53033047914505},{"text":"Mhmm. Like, normally, you need an MRI to pick up those sorts of tears. The tears in my right shoulder showed up on an ultrasound. That's how big they were. Jeez. So I didn't even need to go through that level of scan. It was just right there. Obvious for Yeah. anyone. And then the left shoulder, same thing. There was three or four tears in that one on an ultrasound and the MRI showed how in-depth they actually were when it wasn't getting better with physio. They sent me for an MRI and said, oh, we're actually gonna have to operate to fix this. Yeah. Jeez. That Also, was playing golf. while I'm on the health questions there, I did want to just quickly let you know the with the vaping and the smokers rates, Yep. The basically, once that's, I guess, twelve months free, it's pretty much like a one pager to get that reviewed and removed. So that'll, Yep. at some point, chop it down, like, 50% on the price. Okay. So what we usually do is we do, like, reviews with you every year. Like, yeah, there's quarterly catch ups just to see how everything's going, but, like, a full in-depth review every year. And if you're like, hey, mate. I love nicotine free for twelve months, we pretty much just fill in a form with you, send it to the insurer, and love your uncle. Yes.","start_word":1657,"end_word":1897,"sentiment":"neutral","sentiment_score":-0.02492046770465819},{"text":"Right. Awesome. Mate, pretty comfortable that you've got a grasp of everything there.","start_word":1898,"end_word":1910,"sentiment":"positive","sentiment_score":0.6997004151344299},{"text":"Estate planning wise, when you go through that welcome call, are you okay for the team to just prefill beneficiary forms for you for the super and the life insurance? Because you got your Yeah. Yeah. nominee That's fine. there. You've It's my given fiance. all the Yeah. details. Yep.","start_word":1911,"end_word":1960,"sentiment":"neutral","sentiment_score":0.20073550939559937},{"text":"And you've already given through date of birth, address, and everything, so that's perfect.","start_word":1961,"end_word":1974,"sentiment":"positive","sentiment_score":0.4241766929626465},{"text":"We can prefill those forms with Hub and Neos. Yep. Only thing we can't do for you is set up a will. That's something that you guys are gonna have to go do the old $25 will kit from the post office or talk to a lawyer or the public trustee for the state. But, Yep. again, always recommend to get that sorted as well. Well, this is what happens if you don't? Essentially, goes to a trustee or something and gets held up or something rather. Yeah. Pretty much. And then, basically, family has to go through to the courts to sort of sue for probate and get access to everything, and it just Yeah. takes Okay. a lot longer, a little bit more cost involved. Whereas if something's in a will, if you've got, like, a a house, the shoes, the bank, the car, it can be pretty well direct as long as it's a valid will. Yeah. Okay. Sweet. I'll look into that. Yeah. And one of the things too, Not that I just intend as a quick on anything pointer. happening anytime soon, No. but No one does. And look, you as you get down the line and you get more assets under never your belt and things like that, it's probably gets know. more and more important as your your Yeah. finances get more complex, if that makes sense. Yeah. But the one thing that I wanna just remind you as well is those will kits from the post office, you can also get a power of attorney kit for $25 as well. Do you remember Yep. what power of attorney does? They pretty much, like, if you die, they're like an executor of your will sort of thing. They have they tell the medical professionals sort of what to do if you're in a capacity incapacitated state and can't speak for yourself. Perfect. Perfect. Yep. So it's while you're still here, you can't act on your own. So someone there's So financial I had a and head medical. injury, and I turned into a vegetable, and I couldn't Yeah. Who can couldn't access the bank talk. accounts, who can talk to the doctors, that kind of thing. Yeah. Beauty. Last thing I'll just touch on is the with the fees with us. So we've got the upfront fee coming out of the super for three nine four nine. 15 Yep. percent rebate comes off of that straight away. You've got anytime we put in place, like insurances, you get the 66% upfront for the first year's premiums, come to us for setting it up. It's the same Yep. across all insurers. Yep. If you ever need to claim on anything, obviously, you probably call your family first if major injury happens, but you can call us second, and we can help you actually through Yep. the claims process and liaise with the insurer on your behalf. Okay.","start_word":1975,"end_word":2467,"sentiment":"neutral","sentiment_score":-0.0030251820411147743},{"text":"That's good.","start_word":2468,"end_word":2469,"sentiment":"positive","sentiment_score":0.35103949904441833},{"text":"I Beauty. didn't have that with AMP. I didn't do it all myself. Yeah. No, mate. We're we're there. We do a lot of claims advice. You get people who are TPD, never work again. Here's a million dollars. How do you make it last? We basically go to bat for them with the insurers and help them through the process and then help try and invest it to for them to live on for thirty, forty years.","start_word":2470,"end_word":2547,"sentiment":"neutral","sentiment_score":0.03511037677526474},{"text":"Yeah. Beauty. Mate, that's pretty much everything for me.","start_word":2548,"end_word":2556,"sentiment":"positive","sentiment_score":0.682899534702301},{"text":"Any questions so far? The only one I've got is, like, additional super contributions and whatnot. So I think I'm about to get a promotion at work that may involve, like, bonuses and stuff. Okay. For those, if it was a cash bonus, so to speak, do I just ring you guys and say, hey. I've just gotten this amount of dollars. Can you deposit that in the hub, or do I deposit that all that? Can you assist with that?","start_word":2557,"end_word":2637,"sentiment":"neutral","sentiment_score":0.1669207066297531},{"text":"Because I would have no idea how to do it.","start_word":2638,"end_word":2647,"sentiment":"negative","sentiment_score":-0.39767423272132874},{"text":"I've never done Yes. it before. So there's a couple of ways to do it. Let's say you get a cash bonus and you wanna put chuck it in your server. We can give you BPAY or EFT details for you to transfer it into your Hub's bank account Okay. that's Okay. attached to your account. Once that's in there, to claim that as, like, a tax deduction similar to your employer contributions, we do a form called an NOI, notice of intent claim form. And, basically, you Okay. chuck $5 in. We prefill a form saying that you wanna claim your 5 grands. As long as you submit that in the same financial year before you do your tax return, that'll come through okay. Oh, okay. So your super contribution is actually a tax deduction. Yeah. That's right. So when you put into super, you can claim it as concessional, and then it's taxed at 15%.","start_word":2648,"end_word":2804,"sentiment":"neutral","sentiment_score":0.13453826308250427},{"text":"So if you're on 32, 37%, you get to save that 22 on the dollar.","start_word":2805,"end_word":2819,"sentiment":"positive","sentiment_score":0.3962242603302002},{"text":"Oh, okay. Yep. So I didn't know that. I might look at doing that when this new salary comes in. If it's is a fair bit more this than what something I'm on that's now, gonna I might happen? put some more under super. You reckon that's gonna happen before June 30, or is it more just next financial year? April, May, I've been told. Okay. Alright. So two ways is if you get, like, a pay increase and you wanna do some regular salary sacrifice, your employee Yep.","start_word":2820,"end_word":2908,"sentiment":"neutral","sentiment_score":0.05487035951587591},{"text":"can do that automatically through the payroll, takes it out before it gets taxed. You get the leftover, and that already gives you, like, an instant tax deduction. If you get a lump sum cash bonus, that's like what I said before. You chuck it into your super.","start_word":2909,"end_word":2956,"sentiment":"positive","sentiment_score":0.4229511618614197},{"text":"You claim it with your tax return.","start_word":2957,"end_word":2963,"sentiment":"neutral","sentiment_score":0.33098652958869934},{"text":"Okay. Cool. Cool.","start_word":2964,"end_word":2966,"sentiment":"positive","sentiment_score":0.4569934010505676},{"text":"So anything Yep. at all happens, just give us a buzz. We'll try and contact you around end of financial year. But if anything pops Yeah. up, just give us a buzz, and I'll walk you through it. Yeah. And I'll sleep. But even if it's a $100, that's $5.02 a year, and then that's on top of your super plus your growth of your percentage increase. In thirty years, that's a $150, but it's not a $150. It's a $150 over thirty years that's been compounding. So You've got it. That's, like, it makes 3, a big 400 difference. grands. Yeah. Yeah. So Absolutely. I might look at doing something like that.","start_word":2967,"end_word":3079,"sentiment":"neutral","sentiment_score":0.20491503179073337},{"text":"Cool.","start_word":3080,"end_word":3080,"sentiment":"positive","sentiment_score":0.4303552806377411},{"text":"I'll make a few notes on your file about that. But, again, give us a call if you get the chance to do it, and we'll Yeah. help you through the process. Yeah. As I said to say, ultimately, I just wanna be comfortable when I retire, if I wanna go play golf or I wanna take my boat over to the day. I don't have to check the bank account and go, oh, can I afford to fill it up? I just wanna Yeah. be able to go to the, fill it up, and away I go. That's one of my favorite things is when you set someone up with a pension account that's got a million dollars in it, and they're basically just, here's your monthly pension coming out that they're living on, and they go, oh, I need a new car. Pull out $20.","start_word":3081,"end_word":3227,"sentiment":"neutral","sentiment_score":0.1677044779062271},{"text":"30 grand, go and buy it.","start_word":3228,"end_word":3232,"sentiment":"positive","sentiment_score":0.4672117829322815},{"text":"One of the things that we do is just go, hey. You're on your fifth or sixth whole load of Europe.","start_word":3233,"end_word":3253,"sentiment":"neutral","sentiment_score":0.16758310794830322},{"text":"You should probably slow down because you're gonna run out of money.","start_word":3254,"end_word":3265,"sentiment":"negative","sentiment_score":-0.34831351041793823},{"text":"But Yeah.","start_word":3266,"end_word":3267,"sentiment":"neutral","sentiment_score":0.16320115327835083},{"text":"other than that, again, like you said, once you're comfortable, you can just pull it out as you need to.","start_word":3268,"end_word":3287,"sentiment":"positive","sentiment_score":0.34852832555770874},{"text":"Yeah. I said to Fabian, I'll probably I'm gonna talk to missus Asava and gonna try and get her to do a review with you guys as well. Yep. Because the big thing for us, especially with today's market and price and whatnot, is our kids. How the hell are they gonna get a house? Like, in Yeah.","start_word":3288,"end_word":3345,"sentiment":"neutral","sentiment_score":0.13069555163383484},{"text":"30 years' time, they'll be struggling.","start_word":3346,"end_word":3351,"sentiment":"negative","sentiment_score":-0.3373784124851227},{"text":"So if I can if me and the missus can contribute even if it's $50 a week or a $100 a week extra to super, and then that 2,200,000.0 or whatever the forecast was grows to say 2.6, 2.8, or even three, I can go, hey.","start_word":3352,"end_word":3397,"sentiment":"neutral","sentiment_score":0.16554148495197296},{"text":"I'm gonna pull $400 out straightaway and give 200 to each of my kids Yeah.","start_word":3398,"end_word":3412,"sentiment":"positive","sentiment_score":0.4230649173259735},{"text":"to help And them get a house. can I ask you as well? So you've got, what, like, a twelve week old and a three year old? Yeah. So, essentially, I wanna be comfortable, but my kids are at my forefront. So I wanna make sure my kids are looked after if anything ever was ever happened to me. Yeah. So So thinking that I don't go sort with of it. front to back, once you've got your super built up to that level that you can pull out a few $100 helping with the property, One of the things that we can do down the line too is a bit of personal investments to help set them up when they're 18. Yep. There's some tax paid child builder bonds that we can look at. There's shares, managed funds. There's all kinds of things that we can do. So when Yep. it comes to review time, once everything's stable with you and your partner, we can kind of start talking you through, okay, over the next five, ten, fifteen years, what can we build up for them for when they're 18 as well.","start_word":3413,"end_word":3605,"sentiment":"neutral","sentiment_score":0.167008612362832},{"text":"Yeah. That's something we're both definitely interested in to try Perfect. and help them out. Awesome, man. Well, I really appreciate you taking my call today because, again, I just wanna make sure that you understood everything, you were comfortable with it. And, again, I'll put some notes in your account about the contributions, future investments to look at. And, mate, I look forward to chatting with you again when we do the reviews and, end of financial year. Sounds good.","start_word":3606,"end_word":3686,"sentiment":"positive","sentiment_score":0.5495657324790955},{"text":"So you're gonna be my point of call for the portfolio? Will that be steady? You'll be looked after by about two, three people, so you'll Okay. have access to Savvy, myself, and our team. Yep. Basically, if you need something, whoever's available will jump on as soon as possible just to keep the contact fluid. And then if they need to escalate it up and book them in with me or Sevi, we can do that. Just it's all on a calendar basis. That's all. So Yeah. if you No. call That in, was I wanna make sure you talk to straight away. that was the main reason I took the call and essentially approved the the switch. So I think I've been with AMP since I was 18, and I've been contacted about that many times. It's weird, isn't I haven't it? You heard get from all the them stuff once. set up from the employer. They take the fees, but you never hear from them. And then all of a sudden, it takes a whole industry of advisers running around contacting people saying, hey. Have you looked at it? Have you changed it? We're kind of these just independent cowboys floating around trying to fix it all up when they should have done that ages ago. Yeah.","start_word":3687,"end_word":3906,"sentiment":"neutral","sentiment_score":-0.015051853843033314},{"text":"I've never heard from them since it was set up.","start_word":3907,"end_word":3916,"sentiment":"negative","sentiment_score":-0.33434271812438965},{"text":"Oh, mate. We're down It to, was the I initial think call to set it up, and then that was it. and did you did you actually do a call to set it up, or would it just been sign something with the employer and off you go? No. It was a call with that whoever was on that portfolio to set Yeah? it up originally. I have never heard from any chance. Oh, yeah. Jeez. You would have been one of those guys that AMP set up, and then when they got out of the industry, would have been orphans. That guy would have left and started his own gig, and they would have just put you on a list on the back burner. Yeah. Anthony Gerard James was his name. Oh, yeah. I might even look him up on the register and see if he's still practicing. That'll be interesting to find out, but maybe he's retired. Who knows? Yeah. And I I just know that my portfolio has been him since it was started, Yep. and I've never heard from the bloke. And how many years ago was that? Twelve. Jeez. Only the only thing with us, mate, is we call, text, and email. You let us know how much is too much or too little, and we'll sort of tailor it to you a little bit. I'm a yeah. You'll learn pretty quickly, but I'm a person that thrives off communication. That's how I run this business. That's how I communicate with friends and family. Like, communication is of utmost importance. If you're not communicating with me, then I'll shop around for somebody else because I wanna know what's going on with it. If there's a way that I can improve it, I wanna be the first person to know so that we can action it and jump on it. I am a bit of a risk taker, but, Yep. again, I wanna see the best growth for my super so I can retire comfortably and help my children.","start_word":3917,"end_word":4259,"sentiment":"neutral","sentiment_score":0.01067107850712868},{"text":"That's fantastic, mate. We're gonna get along very well.","start_word":4260,"end_word":4268,"sentiment":"positive","sentiment_score":0.7242874503135681},{"text":"So I'll make sure you're plugged in for some quarterly catch ups. Anything pops Yep.","start_word":4269,"end_word":4283,"sentiment":"neutral","sentiment_score":0.20133830606937408},{"text":"up in your life, like you mentioned, with the pay increases and bonuses, just give us a buzz, and we'll have a chat. Sounds good. Awesome, Jake.","start_word":4284,"end_word":4310,"sentiment":"positive","sentiment_score":0.48418110609054565},{"text":"Mate, anything else for me before I let you go? No. That was all.","start_word":4311,"end_word":4324,"sentiment":"neutral","sentiment_score":0.2622555196285248},{"text":"Awesome, dude. Well, you have a fantastic week, and we'll talk to you at that welcome call. Awesome. Thanks, man. Same to you. Appreciate the call and what you and the team have done so far. No worries at all, mate. Looking forward to it. Cheers. Alright. Thanks, man. Bye.","start_word":4325,"end_word":4374,"sentiment":"positive","sentiment_score":0.7197121381759644},{"text":"Bye.","start_word":4375,"end_word":4375,"sentiment":"neutral","sentiment_score":0.2784962058067322}],"average":{"sentiment":"neutral","sentiment_score":0.10310963923696008}}}}