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May this is entirely on me. I I thought that the appointment was at, 10:00. I've been sitting on my computer since 09:00 this morning, dropping the kids off, and then I've just been literally looking at your research and plotting away, and I have no excuse other than believing for some reason that it was 10:00. You should see my appointment's not and then I do Now I apologize completely. That is entirely on me, and I've got no excuse, to be honest. Beautiful. Now I understand you already spoke to my colleague. Madison, you've gone through a bit of a fact find. Again, as part of this call is just, obviously, introducing myself, getting a better understanding of yourself, you know, your goals, your objectives, what what the reason why you're reaching out to us. And and then from there, we'll we'll essentially go through once I know a little bit more about you. I'll show you our financial services guide, our OPC services guide, and give you a little bit of an understanding about us and kind of identify where you are in the overall kind of financial freedom scope, if that makes sense. Beautiful. So, mate, let me know a little bit more about you. I've got a little bit of a rundown from the notes from Maddie. But, yeah, what what what brought you to reaching out to us? Yep. Mhmm. Yep. Yep. Construction and building. Yep. The soil. Yeah. Yeah. Yep. Okay. Well mhmm. Yep. Yep. Okay. Yeah. It is a bit slow looking at your primary place of residence debts. That's 470,000. And then you also got the the missus car. So, yeah, with insurances, they just this one of those things you pay all this money for the best outcomes, nothing happens. You know, if nothing happens, you live a happy, healthy life, and that's great because you don't have to claim on anything severe. But if that's the case, then you don't get a refund for the premiums you paid your entire life. So it's a horrible financial decision if nothing happens, if the best outcome happens. Right? So we need we need to when it comes to insurances, we do we do the full scope of work. So super as well as insurances all the way up to, you know, marginal lending against properties for shares. We can do pretty much anything on the financial scope. That's all we're licensed to do. And I guess it's it's it's nice to know that we're getting referred over from word-of-mouth, so we must be doing something right, which is nice. But, yeah, you you're looking at your looking at your liabilities, mate. You you it looks like you're underinsured. But keep in mind, you've also got the super balance that would get paid out in your event passing as well. So that 200 and 8,000 plus the $1.20. Yep. Beautiful. Beautiful. Yep. Mate, that's a very good plan. Very good plan. Alright. So once you retire, late late fifties on shares, and then you when you hit that preservation age of 60 years old at the moment, don't know what the government will change it to by the time we get there. But, yeah, when you get to age 60 at the moment, it's preservation, so you can start living on that super. I guess my next question is we've got the time horizon that we're working with. So what would you think would be a reasonable amount to live on? Have you ever thought about that? Or so let's say yeah. Or or in today's dollars. So it's gonna be dollar for dollar. In future years, we'll take inflation into accounts and every calculation. But if it was in today's dollars and you're hit the age of 60, have you thought if you got no debts, no mortgage, no nothing, have you thought about what that number would be? Use usually, clients say about $1,000 a week is a good is a good amount with no mortgage and no liabilities. That's about two to three overseas holidays a year with no dependents. I know. Yeah. That is fair. That's fair. Yep. Yep. Okay. Well, just because you said that you splurge, let's go the higher end because it's a goal. Right? And so let's go, say, $1,500. So if you're looking at $1,500 a week, there's fifty two weeks in a year, that's $78,000 in a year that we wanna try and achieve as a goal. Right? So what's your super tracking for, say, 800,000? Was it 800,000? Correct. Yeah. So it well, look. Let's work on what c buss's projections look like. We obviously wanna it's not really about our job's not really about looking at investments and portfolios and just getting the best return we can. There's always needs to be a philosophy or a a a purpose behind the investment Because for the fact of the matter is if you reach that purpose, let's say a certain number or what you want the money for to purchase something else, whatever that purpose is, if you can achieve that sell up, don't take the risk because you've achieved the goal. That's what a lot of investors lose scope of that I've seen at least in my career. So it's really important to kind of establish these goals. So looking at, say, $1,500 a week to $78,000 in a year, let's just say a return of 5%, which is about, what, 65 basis points more than the cash rate at the moment. So net of fees, you know, fees about 11%. So let's just say in a very defensive portfolio utilizing bonds, very safe investments, you wanna have a pool of money that can grow at net 5%, just for number's sakes, net 5% per annum so that you can be able to live on interest. That's true financial freedom. Right? If you want $78,000 a year, divide that by 5% up, that means that we need a balance of 1,560,000. So if you've got $1,560,000 in your overall share portfolio, super, whatever it might be, we can look at ways to kind of introduce that that share money into the super environment, which is really beneficial because everything over 60 is free, tax free, capital gains tax free, you know, whereas at all incomes only all incomes free as well after the age of 60. Whereas if you kept that shared portfolio in your personal name, it adds on to your taxable income. If it's inside super. Yeah. Correct. So you need any of those ways we can Okay. Yep. Correct. Okay. Okay. Yeah. So it's well, it's not really 33%. So you get a 50% capital gains discount. And if you were to retire, you sell that much. Sorry? Well, let's, yeah, this is a common misconception. In the recent budget, they changed it to not 50% down to 30%, then 33, but it still hasn't gone through senate. It's gone through lower house and upper house, but it still needs to actually be passed the legislation. So it's not actually confirmed yet. It's still it's it's it's it's on the latter end of actually being approved going through. But at the moment, all the way up until, I believe, 07/01/2027 is it's still 50%. And the fact of the matter is it takes a long time to get legislation in place within the acts to be able to make it, you know, to make it solid, to make it make it an actual legislation. And the fact it needs to get through it needs to get through that final stage still. So as far as it makes my job really easy not knowing the future, but planning the financial future for clients. But, yeah, it is still hasn't been passed yet. But if it does, yeah, it's 30%. 30%. But if it's in a company with GST, so 33% of it in a company. For you, you'll get a 30% CTC discount. So, you know, you made a $100. You wanna start selling it down. 30 you sell down a $100 of it, that share portfolio. If you're not working, so you retire and you sell it down to live on, whatever it might be, then $30,000 of that $100 that you sold down will go to the tax plan of whatever that if the gain was a 100,000, so more than likely over that time horizon from 30 to age 55, let's say, you'd probably achieve that more. So, yeah, yeah, $30 goes to the ATO, which is awesome because we know how to spend our money better than they do half the time anyway. But, yeah, that goes there. Then you gotta pay income taxes, marginal tax rate based on an income of 70 k leftover. So it's not just 30%. You get the capital gains discount. So that 70,000 will be added to your taxable income on a tier structure. Yeah. So, like, what you're currently making a good way to explain is you're currently a crane operator, and you're on a 100 and $180 a year? Yep. So every dollar above 200,000 is gonna be taxed at 45% plus Medicare levy, 47%. Right? So if you had a, say, a 50,000 or let's say let's say a 20 a a $30,000 capital gain, you would essentially pay the highest marginal tax rate on those dollars on $10,000 of that because the tax bracket went up from one eighty to $1.90 to 2 100. So yeah. No. Tell me about it. It's not ideal. So that's part of our job as well. So when you get to that stage, hopefully, we can be you know, have a relationship and work as clients and professional relationship all the way up till then because we've got strategies that we can implement to mitigate that tax liability. Because this is one of the main reasons why I got into this profession because I don't like the tax man very much. I think that they are crooks, and I like to keep as much money in my client's pockets as possible rather than going to the ATO. Because I've still got a puddle at the front of my investment property's house that's been there for three years. I want to guarantee the guarantee our boss probably got no puddles anywhere near his house. Right? Funny how that works. So that's kind of gives you a background of my kinda my mentality when it comes to the ATO. I think it's very similar to yours and everybody else's. But, yeah, to give you an I to give you an idea of of what what the rules look like, yeah, you you if these shares are held in super above age 60, 60, completely tax free if you sell them, or any dividends or anything that gets paid. However, if it's in your personal name, it will get added even after the age of 60, it will get added onto taxable income. Yeah. No. It's fair. Yeah. It's a good plan. It's a great plan. Yeah. You're right. So five so 5% of your wage, how much do you save per week, would you reckon? Yeah. Save. How much could you save per week or sort of a month, whichever you get paid? Okay. Yep. Yep. Yeah. Good. Good. So would you say maybe let's just say if you wanted to salary sacrifice 5%, that's a lot based on your income. Because you're already contributing your employer puts a new SGC contribution of 12% every year. That's $21,600 going into your fund. If you wanted to put in 5% of your gross wage of 180,000, you're looking at an extra $9,000. So you're essentially over the cap by $600. So 5% is too much. That's nine yeah. 5% of a $180 is 9,000. Right? Half of 18. So you're and you're already putting in concessional contribution from your employment of 21,600, the concessional cap is 31 is $30,000 at the moment. So every every dollar after that is taxed at the highest marginal tax rate. So there's no benefit. Yeah. So you wanna kind of limit that, but there is ways we can get around it. You can carry forward the last five years of unused cap or concessional cap. So if you're if you haven't salary sacrificed anything at all and you get to the end of the financial year, Over the last five years, you've essentially been on a 100 let's just say, a $180 for the last five years, and you haven't put any more in. You've got, what, $8,400 excess every year for five years. So you can you can salary sacrifice more in if you wanted to. Strategy, we do closer to the time of retirement because you can access the money sooner. But to answer your question, if you're saving a $150, once you got $50 salary sacrifice and a 100 into it was a week. Correct? Sorry. Was it a $150 that you could probably use as savings a week? Okay. So let's just go if you got a 150 spare cash flow $150 per cash flow a week, then, you know, why don't you kinda diversify? Why don't you put a 100 towards the mortgage? Because that if you do an amortization calculator, you'll be amazed at how much that reduces your interest repayments, just a $100 a week. I can do all of that for you as well. But then put then salary sacrifice $50,000. That's an extra $2.5, $2,600 into your super fund. That's minimizes your tax your tax liability as well. Yeah. So, I mean yeah. Yeah. Yeah. But we could Yeah. Gotcha. Yep. Correct. Do you do you have an offset account? Okay. Gotcha. Correct. Yep. Absolutely. We can do that. Yep. So you're looking at yeah. Absolutely. We can definitely have a look at debt recycling. I love I love debt recycling, especially if it's for bricks and mortar. We can have a look at that. It really depends on what service you kinda go wanna go with, but we can get to our fees and what we charge and the services overall. We can do complimentary stuff, a complimentary statement of advice. But if you want that more complex kind of strategies and looking at debt recycling and, you know, mortgages and stuff like that, there is gonna be an upfront cost for the preparation of the statement of advice just so you're aware. But like I said, I'll I'll I'll just get an idea a little bit more about you, and then we'll go through all of that when it's when we're done with you. Alright? Beautiful. So you're looking at salary sacrifice, possibly. You're looking at debt recycling, possibly. You definitely wanna have a look at that c plus superannuation because as we've indicated, if you want 1,000 to $1,500 a week by the age of 60 when you can access it, you're currently not on track to achieve that with the 5% return net. Right? So you need to get you on track for close to 1,500,000. So we can utilize strategies to kinda see what salary sacrificing looks like and how much you'll need to put in if for some reason we weren't able to achieve that projected amount. So that's the number I'm gonna work with within my head. Alright? But then you also indicated that you would don't wanna work and wait till you're you're the age of 60. Right? So you wanted to build up some sort of share portfolio, which you're comfortable managing. We do we can set up share portfolio. I mean, we're looking at your super, and we provide a ETF recommendation for diversified portfolio. Maybe you can probably just copy that if you like, save some money. But if you're happy with your portfolio at the moment, I'm more than more than welcome to do it that way as well. But the let's say when you said late fifties, do you wanna aim for having a shared portfolio to be able to help the boots and retire at the age of 55? Is that a good number? Or Okay. Well, debt free and mortgage. So debt free completely by the age of fifty fifty five. Alright. We can work with that regarding the salary the contributions to your mortgage. And, yeah, if you if you wanna set up and refinance with Macquarie, I love Macquarie. They're an amazing bank because of the products that they have. So the products, like you said, many different or you can link something like 28 accounts, bank cash bank accounts to an offset one offset loan. It's insane. So, yeah, I think that's a great idea. Yeah. You you should be able did you want me to well, I can definitely have a look at ways to essentially introduce, you know, contributing to an offset account and how much that number is to be able to achieve that goal of, say, 50 and then an alternative for 55, if you like. But, again, we're we're I'll get you get I'll give you an understanding of our our services and what they cost and all the bits and pieces as well because it's kinda like a tiered approach. That makes sense. Beautiful. Okay. Well, I've got a pretty good idea. We've already got all your fact finds and risk profiles and things like that. But is there anything else? So we're looking at debt recycling. We're looking at some want to retire around about I'm I'm gonna aim for 5050 to '55, be debt free, and hopefully hang up the boots, and then live off the share portfolio to the age of 60, if not further, and then start utilizing superannuation as a drawdown in the income mechanism. Is that the plan? Yep. Yeah. No. That's alright. Yeah. No. Absolutely. Yeah. No. We can have a look at that. Alright. Well, what I'm I've got a fairly good idea of what you have to, mate. Unless there's anything else while I draw up this email, I'm gonna send you through I'm just gonna shoot you through an email straight from my personal email. It's it's gonna include the Oakview Financial Services Guide as well as the Oakview Services Guide. A little bit more about us. I'll give you an idea of who we are, what we do, what we charge, all the bits and pieces, all the compliance points. And from there, man, I think I just need to run through a fact by did you go through a risk profile questionnaire with Maddie when she called you? Let me just have a look. Yeah. No. That's right. Let me have a look. No. She didn't do that, so she probably left it up to me. So then I'm just gonna ask some questions regarding your volatility and your your, I guess, your attitude and approach to financial risk. It's some of those questions are pretty dumb. They've made up by the ASIC and the federal government, so bear with me when we go through it. But, yeah, it gives me an understanding. We're gonna have a discussion about what kind of risk tolerance you are and what time versus risk actually means. Alright? So are you in front of a computer at the moment? Okay. Yep. Is there any way that you would, maybe on your phone or something, be able to access your emails? Oh, yeah. Yeah. Correct. Because I wanna send you through this the the these two documents and actually walk you through them. It's it's part of our compliance approach. Found out the other day, actually, off topic. The financial services, the asset management and financial planning is more regulated than the pharmaceutical industry at the moment in Australia. Pretty crazy. But, yeah, it's just I mean, fair enough. We look after hundreds of millions of other people's money. We need to make sure we do it correctly. But, yeah, I will essentially wanna back to the financial services guide, I do need you to have access to actually see these documents. So if you can, probably a last week or whatever is easier for you to receive an email. And your best email, just to confirm, is where are where are you? Sorry. I opened up my CRM. So are you still b.stevens2285@hotmail.com? Beautiful. While I'm while I'm being ah, beautiful. Beautiful. Yep. Just open that up. Jump in the emails. You should receive something fairly soon. And, Smit, do you have anything other than that? So, I mean, from a from a planning perspective, from a future financial goals perspective, you're pretty bang on the money. It's it's it's a really good plan. Lots of clients kind of tend to lean towards that plan. The only thing that I did wanna ask is what are your thoughts about kind of leveraging to invest? So borrowing against equity in your home to buy another investment property or shares or something like that. Yep. Mhmm. Yep. Okay. Okay. So when the kids go to school. How old are your kids? Okay. Okay. So run about what? Prep is about four, four years old, five years old? Is that when you're thinking that that's not okay. Perfect. Well, with property, if you want to get an investment leverage against it, it's really important that you wanna retain about, let's say, 20% as LVR, loan to value ratio. So let's just say that you got a your property's worth a million bucks and you want to pull money out. You don't wanna pull more out to make the than making the loan higher than 800,000 because then you initiate LMI loan mortgage insurance, and that's just an insurance policy that you pay and you don't get any return for. So we is it a good number with a million dollar property? Is having equity of around about 600,000? Because then you can leverage against $200 and still have $200 left over in the property to not pay for that loan mortgage insurance policy. So that's kinda gives you an indication. If you were to if you're borrowing that money, how much money are you gonna pull out of that property for innovation? Is that a $100? Beautiful. Let me pull up your fact find over here. Alright, sir. Yeah. Good. 580,000. It says $5.70. On the Factfind, is it 4 is the loan at $4.80 or $4.70 at the moment? Okay. Yeah. Yeah. Yep. Yep. Beautiful. So releasing a 100 for for renovations. Beautiful. And that but, I mean, even at that LBR, you're looking at, you know, what, 570,000, and your property's worth 900,000, you said? Approximately, and that's Macquarie Hills, New South Wales. Cool. Yeah. You should have enough. Dude, let me just do a quick calculation here. 900 k minus the $5.70. With the equity release, you have 330 k worth of loans. And then we'll go twenty percent 900 k. Should be 45 at 90. Oh, there we go. Okay. So times five zero points to yep. Minus three thirty. So even after releasing the $100 worth of equity, you still got a $150,000 worth of equity that you you are able to access to for investment purposes without paying anything extra for that loan mortgage insurance. So you're in a good position. If you were to use that same kind of, I guess, modeling, same theory of 20% LVR. So you 150 k for a deposit on an investment. You know, you're you're essentially looking at if you use a 100 of that 150,000, just just not release, no sale, no nothing, just through equity backing. You're looking at 100 if you just use a 100,000 of it, then you got, you know, stamp duties and all that stuff extra. You can usually lump it onto the loan. But a 100,000 divided by zero point to yep. So you're looking at a $500,000 property purchase if you wanted, like, a units or something like that, like an investment property. You still have act you still have a a capability of doing that just to just to give you kinda peace of mind. But yep. So if that is something that you wanted to have a conversation about in the near future, mate, we can do all that too. Yeah. Yep. Yep. Yeah. I yeah. I'll get it. Yeah. No. That's fair enough. It says, yeah, if you've got a negatively geared property, it does cost start the starting point before the actual price of the property increases so you can increase the rent, the yield. Yeah. It's pretty tough. It's pretty tough at times. I've seen clients pay, you know, get an investment property, I think it's a great idea, but the rents are not really in line with these higher end properties, like about 200 1.2, $1,500,000 investment property, but they can only rent out for $800. So it ends up costing them, like, 5, yeah, $5.05 grand to $5 a month or something. You know? So alright. So no. That's alright. That's alright. That's fair enough. But somewhere down the track, you you more than likely will be. Right? So just keep that in mind as part of our services. Now my this email, it's nice and short and sweet, but it's somewhere up there in the ether the the web clouds or whatever the stuff. I don't really understand how it works, but it's should be on its way to your email account now. So maybe just hit refresh or check junk or something to send in from osavvy@oqfinancialcom.au. So let me know when you have received that, and we'll get into the compliance parts. Alright? No. That's right. That's right. How's the morning been? Alright? Beautiful. We do work from home Thursday. We've got all the team to work from home on Thursdays and Fridays, and productivity has gone up, like, 30% or something. It's insane. Yeah. Working yeah. Well, if you need no sedentary work, working a computer, and now with this modern technology, like I said, that I don't really understand that much. I just stick to stocks and shares and planning. Yeah. It's it's it's amazing how how much more morale kind of as a business owner you you you get from the team. So, yeah, I'm I'm in the comfort of my own home looking at my puppy. Drop the kids off, and the missus in Melbourne. So yeah. Yeah. I can't really complain. Alright. So refresh. Maybe check your junk. I know that sometimes it is a new email. Yep. Yeah. No. That's alright. Just move it to your inbox because then all future correspondence will go straight to your inbox as well. I think you right click. Oh, no. I hate it when that happens. Mhmm. Beautiful. Now you got three attachments. Let's open up the first one, the 2026 Oakview services guide. You're right. Let me know when you're looking at it. Beautiful. So you should be looking at the front page that says Oakley services guide and a picture of the Gold Coast and all those bits and pieces. You're looking at that? Beautiful. So this is just gives you an idea of why we started the company. You know, it's about about ten years ago now. We we we started myself, my business partner, and his wife, we took on a whole bunch of angel investment debts and from a complete twit, to be fair, it was a bit of an asshole, but we ended up paying him out. So with with only hopes and dreams and no clients in the garage in Pimpama on the Gold Coast. And somehow, we've made it work, but this was right at the time when the Royal Commission into Banking and Finance was going on in 2017. Do you did were you did you remember that? Or no. That's right. So during the Royal Commission, they found that asset managers, financial planners, insurance brokers, there's a lot of people doing the wrong thing, but really bad stuff. So things like charging so a a a client would pass away and a multimillion dollar insurance policy will get paid out to the super fund for release from the trustee back to the the client's beneficiary. However, the client's beneficiaries, the family members didn't realize those insurance policy, so nobody really chased it up. So these asset managers, with knowing that these payments would get paid out, this is only one example, with knowing that the funds were there, they would actually retain those funds, not let the client's family know, and just charge exorbitant fees on it for as long as they like. It's it's disgusting. So but there so there's a lot of players doing the wrong thing, but there are a few of us that are trying to do the right thing. And that's why we start the company on the second page with the vision of being the most trusted financial aid firm in Australia, sticking to a core mission of just, you know, providing us down long term holistic financial strategies to achieve clients or, should I say, couples, families, and individuals and overall clients that have been achieve their financial goals. And our core values, I've kinda get the team to chart the core values, and we've got about 43 of them. So you can imagine how loud loud it gets. I've charted these core values every morning so no one forgets it. And there's a little bit of a blurb about, you know, what what we did, why we was why we started it, and pretty much everything I just told you. But more importantly, if you go down to the next page where you're looking at the Oakview Wealth Cycle. You having a look at that? So the Oakview Wealth Cycle, mate, we've and this is I've I've been fortunate enough to work in many different kind of financial arenas around the world. HSBC in Hong Kong when I just finished uni as stock broker, and then went to The UK or to to Scandia Life and all Mutual Global Investors and and then also boutique firms as well as large banks in Australia before starting this. And I can tell you that all this process is more it's not really a process. It's more of an algorithm. I've seen it work at different different areas. So let's say, CBA, for example, Commonwealth Bank, they do this approach in almost like the ladder concept. Over in in The UK, they did, like, a baseball pitch diamond where you start at one base, go to base two, base three. But overall, it's all the same thing. And like I said, I've been fortunate enough to be doing this long enough to actually see it work. Right? So most of the time clients start as a seedling, and it's at the same time, man, I'm I'm I'm a finance nerd. I'm really nerdy when it comes to this stuff. So excuse all the super corny acorn corny corny analogies and things like that. It just kinda comes with the nerdiness. But if you're looking at a tree, like an oak tree, oak view, you're thinking about the tree of an oak tree. So you start up as a seedling, no real growth plan, no strategy, no direction, just kind of a vague idea of what we discussed before, and then we move on to what what do we do next. Alright? And that's where we move on to what we can like to call the root stage. So this is your super and insurance and also accounting taxation. We just refer you over to an accountant if you don't have one. Because once we start our financial journey together, work together moving forward, it's, yeah, it's more of a relationship, but, also, you do wanna make sure that you're you you have other professionals in their fields to be able to do the right job as well, which is accountants, lawyers, and mortgage brokers. So I'll get to that in a second, but that's the overall roots there. These things that work in the background that you don't really see every day on your day to day, like your bank accounts or shared portfolio, things like that. It's it's in the background, but it's really important for your retirement because super as superannuation while you're working, your accumulating career is moving onwards to towards the age of 60 and preservation. Your super is growing well for retirement, but at the same time, insurances need to be right and cover you for just the right amount, and we assess that every year to cover you for the rest of the time in case something were to happen. Right? If you were to become TPD, you can't be a crane driver anymore. Right? So that's what the insurances are for. They're this necessary evil that you kind of have to address, but I can tell you some horror stories. They are really good to have when you need them. Yeah. Being over insured is just as bad as being underinsured. So you you identified you're underinsured. You think you need a bit more insurance. So we can calculate the exact dollar figure that you actually need and what your life's worth. Small business itself. If you yeah. We yeah. We can work it out. And it's just it's just to make sure. Because if you if you over insured and you come for a million bucks and you only got a $500,000 mortgage, then you're paying all these extra premiums to a company that the best case scenario is you don't claim because nothing happens. And then you don't get a refund of all your all the premiums you paid your whole life. But if you so we try but if you're paying for extra that you don't need, it's just wasting your money. But at the same time, underinsured, all the premiums you're paying for that life and TPD inside CBAS, you for being underinsured, that's not gonna suit your needs if something were to happen. So what's the point paying for it at all? Yeah. Correct, sir. So it definitely is really important to, you know, make sure that along the journey because the more and ideally, the best outcome is being self insured, and that's not having to pay some other bloke a premium to cover your needs because you can cover them yourself. Right? So that's mortgage paid out and all that. So over time, as your wealth grows, we wanna reduce that some insured insure insurance policy to make sure that you're paying as little as possible in the event that something doesn't happen, which is the best case event. Right? And try and get that down as much as possible so we can address all that. But after that, once we once we set up those foundational roots, then we move on to this the area we like to call the trunk, the foundations. So this needs to be really sturdy. You need to get on top of your cash flow and budgeting. Have you got a budget? I can send you through, you know, a MoneySmart budget calculator. It's really useful tool. It's essentially, like, starting to treat your money almost like a well trained dog. It sounds weird, but just hear me out. So, you know, if you give the dog a bone, you say, but dog, go to market, bring me a bigger bone. That dog is loyalty. So go to the market or bring back a bigger bone and, you know, you give it a pat, give it a scratch, and say, right. Well, here's the bone again. Go out there and take bring me a bigger bone. And it'll carry on doing that. But what usually happens is more often than not, you get such a big the bone grows into such a big return that, you know, you lose kind of you lose loyalty with it with that dog that's actually the vehicle that's getting you the return of the bigger bone. And you start keeping that bone for yourself, talking to mates, and you stop playing with the dog. And what happens is you lose that relationship with the dog or the money, and what more more often than not we see is that that dog will start taking that phone elsewhere. Right? So really important to get on top of that cash flow and budgeting and create that relationship, that strong bond with your with your income, with your cash flow, knowing where everything's at. Next up, we like to create some nondeductible debts. So family homes are good PBR like you've got now. It's a really good starting point to do exactly what you're doing now. You know, releasing equity so that you can get further investments like investment properties or shares, something like that down the track because in Australia, investments are amazing. In Australia, you know, we we pay some of the highest, I think we're, like, twenty fourth or twenty third highest marginal tax rate on the planet out of all 200 countries or whatever there is. But in saying that we are number one in terms of investing and being an investment haven. And the reason for that is because we're the only country in the world where you can deduct a 100% of the investment interest that we pay. And where else does that? And being a tax paying such high taxes, you wanna be able to deduct those kind of those types of taxes, right, being the highest. So it's it's such a haven that we've literally had to put a cap on international investment from China because they were just buying up land, not caring if, you know, sky rises and things, not caring if if you'd probably know about all this in your line of work. But, yeah, they only 50% international investment can go towards a new build of a of a commercial sky rise or residential sky rise because, you know, yeah, there's lots of money flowing in internationally because they only rent land for ninety nine years. Why would you do that when you got that kind of money to buy buy skyscrapers and, you know, hold the land forever with an appreciating or some of the best appreciating property values on earth. So we've had to limit that to only a 50% international. The rest has to be domestic. So property's a really good place to start, but if it's your primary place of residence, as you know, if you can't deduct the interest on your payments. So what we wanna do is create that relationship, get the family home or private place residence, pay off to a point where you can leverage to get an another investment, and then just build from there and use OPM. You know, the concept of other people's money, OPM? Or yeah. So I'll just do yeah. I'll I'll give a brief description, and let me know if it kind if if it makes sense. But if you got, say, $10, right, $10,000, you invested in anything, shares, property, whatever it might be, the the the pen and the pad that you're looking at, that goes up by 10% in a year. You've made a thousand dollars. Right? Congratulations. But if you take the same $10,000 and you put it to you go to an investment bank or just any normal bank, JPMorgan Chase, something like that, you go, hey. I wanna borrow $90,000 to make my total value of my portfolio a 100. They go, yep. Not a problem. We'll give you $90, but you gotta pay us 5% interest just for number six per annum right on that facility. So that's what? 5% of 9 $90 is 45,000 4,500 a year. So you go, not a problem. Sign the paperwork. But now you've got your initial 10,000 plus another 90,000 of OPM, other people's money. And then you say take out that a $100 as a total, put it in the exact same investment that makes the exact same 10% in that exact same year. Now you've got $10,000, but you gotta pay OPM back. So you pay him back for 4,500. What you're left with is $5,500 on the exact same $10,000 outlay. So that's a 55% return in a year compared to 10 for the same vehicle. You know what I mean? So that's that's not only that. That's the gear that's the gearing side of things, but all the interest, that 5%, you can deduct a 100% of it. If it's an interest only loan, you can deduct a 100% on your repayment in Australia, which is incredible. Alright? So that's what we're trying to work towards. But overall, in that trunk stage, we move on to getting rid of any bad debt, credit cards, anything like that. You know, Zip pays. If there's no interest, it's still bad debt because you got debts. Bad debts is essentially debt that you can't deduct. So a primary place of residence is bad debt, to be fair. And then estate planning. So lawyers, wills, power of attorney, stuff like that. So once we got those set up, then we start really accelerating that kind of stages where where the the overall process gets kinda sexy. I've seen those clients reach the stage within about five years after getting a private place of residence. So you're already you're in you're already kind of in the trunk stage. We just need to tidy up a few steps along the way. So the next step would be looking at that branching out region where you really start accelerating borrowing money against equity so that you can build a portfolio that's all working harder for you. So that not only your share portfolio that you're building up, but let's say a property or commercials, property or factories, you know, you can you can really start generating some good income from that where you can maybe go part time or work as a great driver. And then, eventually, all the income that you're receiving from that, you will you'll be able to sustain yourself and your family off. So what's the point of working anymore? Alright. And then then the next kind of stage is the blooming stage. So you got all the branches out and you start blooming. All flowers open up, this is when you start retiring. When you stop when you start winding down from work, you've got enough to facilitate your lifestyle from income. This is where we get really sexy in our in our line of work where we try and and one of my favorite parts is we when you sell assets and when you start retiring, you gotta kinda wind everything up. What happens is you sell it, you gotta pay tax. You gotta pay capital gains tax, and that's nowhere near as beneficial if it passes at 30% instead of 50% capital gains tax discount. Right? So we work our ways to try and mitigate that liability as much as humanly possible with TTR strategies to the transition to retirement strategies, trust structures, self managed super funds that are in there as well. Any sort of Social Security strategies, if you can be in a position to utilize government pensions and things or Social Security benefits, they do it because it's the same tax dollar bills that you're paying for it in the first place. So I highly recommend try to get as much as we can out of that as possible. And then after you've done all that that whole process, you get to the the seeding stage. And I like to think of financial freedom as or the your financial journey as a whole through your life as a circle because you've got the kids as well. Right? So when you get to that stage, you can reap the rewards of all your hard work, drop that seed down, and then your kids are essentially starting at the seeding stage again. And it's you know, they essentially have to brave the weathers and the storms and the floods and the rains and whatever else. But if there's a big canopy of a, you know, strong foundation over them, then it's gonna make it a lot easier in their lives to grow. Right? Does that make sense? Or beautiful. So we're looking at this roots and trunk stage, looking at your goals and objectives. There's different fees for different strategies because different strategies mean more work. Right? So this this consultation is completely free, but I'll get to I'll get to the fees in a second. If you go skip down a little bit, you gotta meet our experienced team. That's just a breakdown of how we started, what I told you in the beginning of this conversation. If you wanna put a pace to the name, I've got a lot more city miles on me than that. It's just very airbrushed. It can do magic. But, yeah, that's my that's me, Severiano Zato. Severi is a lot easier. That's my titles and all the licenses and degrees and whatever else. I spent way too much money doing. But to put me in, fortunately, a position in, there's a little blurb about how amazing we are for each of us. Feel free to read that in your own time. My business partner, Bart, he does already practice. He worked from the background and does a lot of the stuff that I hate, like the accounts and whatever else. So we work well together. And then there's a whole team behind us. Like I said, these are these are the advice team, but we behind every adviser, there's two admins, a power planner, and oversee support as well. So you can imagine the team I think we got about 43 employees. The whole purpose of showing you that is to show depth of company so that, you know, if I'm not available for whatever reason, if you wanna reach out and just get in touch with me, have a chat or do an annual review, anything along those lines, just just a general catch up. I'm more than welcome to give us a call at any time. But if I'm not available and it's important, there will always be someone there to help you out. K? Beautiful. The next is mostly compliance. They're compliant with the telephone call regulatory guides. We've we're we're legislated. We run our own Australian financial services license, the same license to that of the large insurance companies and big banks. Usually, when you've got a financial firm like ours, like, a little bit more boutique, usually, what happens is we work underneath an AFSL like, CommBank or Westpac or something. But part of the vision of being the most trusted financial planning firm in Australia is that I should be able to give my clients a recommendation of whatever products in their best interest. Right? That's kind of how it works. But if I'm licensed on the CommBank, I'm sure they wouldn't be very happy about me recommending a BT product, which is a Westpac product. Right? So so it's not really when you license on those bigger banks, it's I've been in the industry for a while. You you notice that 99.99999% of the time, advisers that work in banks are all licensed under the an AF certain AFSL. They are more than more than likely, almost every time, recommending their principal AFSL's products because they get commission and kickbacks and KPIs. We didn't want that because we wanted to be able to recommend any product on the on the planet. And we applied for our own ASL. I think about my the second second youngest firm to get approved of actually going through the asset routes and getting getting your ASL from starting from scratch. Right? Which was pretty pretty good achievement based on experience and whatever else. But that's a little bit of a breakdown on what the we what our license is and that's that AFSL. But within that, we are regulated under the Corporations Act, ASIC, APRA, absolutely everybody under the sun to make sure that we can't run away with your money or wander us or anything like that. Okay? And then how to connect with us is a little bit more about our information of compliance manager. That's essentially myself and Bart. There's our advice team and nice little picture. And the next kind of little bit is what I call OVA. Just this idea came up with where it's a proud collaboration of expertise. So even though I've got all the qualifications to be able to be an accountant, had all the education and know how it works, I'm not registered with the tax practitioners board because of that. I couldn't think of anything more boring or worse than being an accountant. Right? So so that for that reason, I'm not an accountant. And I could and I don't submit past tax returns. So I leave that up to accountants to do. So and there's nothing worse than referring an existing client that you've done the strategy for and built a relationship with like yourself, let's say. And I you say, look. I don't like my accountant. They haven't helped me out at all. So I'm gonna pass this over. I'm gonna pass this over to, you know, I'll pass this over to such and such Joe Soap to look after your account where accounting works, and then he drops the ball and completely stuffs it up. Right? Then it just looks bad on me, and you probably it leaves kind of a sour taste in your mouth with somebody that's actually doing the right thing because of that referral. So I like to work with people that I know are fairly diligent and good at paid jobs like we are, And those are those firms, the QCA is an accounting firm that we're partnered with. Gold Coast Wealth is Brooke Jurasic. She's a really well known mortgage broker. She's she's amazing at what she does. She can she can get a loan made out of anything. And as far as I'm concerned, FIO is more like commercial lending and more specialized kind of services for lending money. And then Kate Taylor Associates is accounting and law, and then Gold Coast accounting is in that group as well. We don't get any kickback for anything. No referral fees. It's just I just like the way they work, and they like the way we work so that we join together. So you've always got services that we can refer you over to. That makes sense. Beautiful. Now that's that document done. You can have a read through to be struggling for the next document to be fair. If you go back to the email, go to the third attached document, the twenty twenty six Oakview Financial Services Guide. Open that up. This is the compliance. I'll fly through it. That AFSL number that I was talking about, next to our ABN, it's over there. So 513068. You can search us up on ASIC. There's our address. If I run away with your money and you wanna break my knees or something like that, that's where you can find me. The and as well as our, you know, phone numbers and everything else. Now the purpose of this FSG, I'll just go through each step. So number one, purpose of it is to make sure that we can do what we do legally. Give advice about money and then it's about the next step is what does that advice entail. Right? And what about if, you know, you've got a complaint? I run away to The Bahamas and start drinking pina colitis with your money. Wouldn't be very happy about it. Right? What do you do? So that's that's all included in this document. So who we are I'll get to that in a second. But who we are, we because we run our own Australian financial services license, license number 513068, That means we can give advice on absolutely anything anything you want. It doesn't bother me. But we do have to put a disclosure of a lack of independence because we essentially aren't independent because we get commissions from other company sources, like commissions from insurances, stuff like that, and we also regulate on the aspect. So we can't really say that we're independent. It's just a stupid thing that lawmakers thought was a good idea and put in the corporations act a long time ago, but doesn't really mean anything. But it's more importantly if you skip down to the services we provide. Number four, let me know when you're there. Yep. So this is what I meant by anything. So we can give advice across the entire scope of deposits and payment products, the base deposit products like high interest savings accounts, stuff like that. Any and any government debentures or stocks or bonds, ETFs, direct equities, long term, short term bills, and government wants to build a bridge and they want private funding. You agree with those kind of government dimensions we can give advice on. Any and all life insurance products, but not general insurance. So investment life insurance products, which is, like, endowment policies, term of life investments, things like that, as well as any sort of life risk insurance products, so life, TPD, income protection, business expenditure, and trauma. After that, any and all managed investment schemes, so this is like private equity funds. If you you wanna group together with the boys around the barbecue and you decide to build a low rise and or pull your money together in a trust, we can give advice on that. And then if you just but if you just wanted to invest in a portfolio yourself, like your current share portfolio, It's if you wanna use a platform, we can give advice on all those shares as well as an IDPS, invest direct portfolio service that we manage. It's highly up to you. Any and all retirement savings products, account based pensions, as well as TTR pensions, and anything in between, or any and all securities including foreign exchange as well as superannuation. And under that need that, there's two kind of hidden things that because I'm you're speaking with myself, we can you can have access to it because only myself and Bart's actually licensed to give this advice, but that's self managed super funds as well as margin lending. So borrowing from a property to buy shares. Does that make sense? Yep. So pretty much anything. Anything you want along the financial scope, just give me a call. That's what I'm here for. Then we'll make it up. Alright? Five, how we provide advice. We'll go through this contact call, then we'll book in the time, maybe two weeks time, to go through the statement advice and the recommendations. From there, you can either say, nah. Go away. And that's it. Call it a day. Wish you all the best. But if you do proceed and you see the value in our services and advice provided, then you'll sign ongoing well, a HCP authority to proceed and all the documents, and then we'll set everything up and implement everything, do all the legwork as part of that fee. And then keeping you on track, we do quarterly updates and full comprehensive annual reviews every year with yourself to make sure that we're still on track for your goals. Yep. Now the fees and charges. So we are professional service. We do charge a professional service fee. You know, you somehow, you need to pay back all those university degrees, which is almost a masters, but we like to be fair as well. So we we like to set up these fees and engagements for what the work involves to set up a statement of advice. So a statement of advice is a big scary document that we have to do legally to give any personalized advice, have it, you know, pen to paper. Now different if we're looking at, let's say, an investment strategy like leveraging against your property, there's a lot of work involved there. So we do charge a letter of engagement fee, but the it depends on what service you're looking for. So from your goals and objectives, we've identified that we we you wanna have a look at your super and insurance. That's complimentary. We'll draw up a statement of advice. If you only wanna scope those in, we'll draw up a statement of advice for free so that we can show you value. And then moving on, once you come on board as a client and you see the value in those services, we don't charge any upfront fees from then on. K? However, if you do wanna have a look at that cash flow and budgeting or debt repayment strategies and pay, you know, more towards the mortgage, we can strategize that and plan that out and stick that in. But there is gonna be a $16.50. So $1,650 implementation fee to get that process started to draw up that statement of advice just because it's a lot more calculations and work. And then if you wanna go a little bit more sexy into the branching out, it's $2,200. But from just this just to get started, for you to save money, and I'll probably go the root section because you don't pay anything out of back pocket. And when you do pay something for our work, it will be taken out of super. That way you can see if it's actually worthwhile coming on board. Right? Instead of paying $161,650 bucks for saying, yeah, you should put money into a mortgage offset when you're already in the process of refinancing anyway. You know what I mean? So if you're happy with just, you know, getting complimentary letter of engagement, complimentary statement of advice, and just make sure that we can actually provide value, then I'll go the roots if you're happy with that. Yep. Yep. Well, that that that's Yeah. Oh, no. So so what I'm saying is sorry. I might might have not explained that correctly. So just to get the statement of advice started depends on what you want in the statement of advice. So if you only want to look at the super and insurance at the moment, I can draw that up complimentary, and we'll go through it. And you if you don't like if you don't like any if you don't like the outcome or you don't like the service or the projections that we can put forward or show value, we we don't get you in a better position, then you can say you don't wanna proceed, and then you don't pay us a cent. But if you do proceed for any of the strategies, there's an implementation fee that's taken out of super. We can charge it out of your super fund. That's $4,950 for the document. But when you're looking at the root section, we prepare that document, which takes a lot of time and money and wages and all the rest. We can prepare that for super insurance for free to show that there is value in coming on board in the first place. Yeah. Yeah. You know what I mean? Yeah. No. That's alright. Let me know if you have any questions or anything. You know, it's just it's more about just making sure you you know what's going on as well. So if I was in but if I was in your position, I would get the complimentary statement of advice because I don't see the value in paying paying $1,650. So $1,500 plus GST for just saying, yeah, put this much money into an offset account when you're already in the process of doing that. You know what I mean? So we can do that statement advice for super insurance. And once you come on board, if you do see the value in our services and come on board, we will take you through all the rest of the stages without any implementation fee because you're already a client. So part of that involves a statement of advice ongoing fee. So if we manage your superannuation and we manage your assets or share portfolios, we charge a tiered structure percentage base. And there's two ways that we charge an ongoing fee. That ongoing fee is either, you know, flat based, where every time we get in touch with you or every I like to call it the lawyer way. I hate it. But it's like, you know, every time that I send you a as an email or every five minutes of my time, I'll every staple and every piece of paper we send out, everything, I'll send you a big juicy invoice to pay it back. Right? And, you know, even if it's five minutes of my time, we would charge an hour because it's taking it's taking another that hour. And my time's not that cheap. So for that reason, that kind of fee structure for an ongoing service, I don't agree with because it directly conflicts with our vision of being trusted. You know, if you wanna if you to be the most trusted financial planning firm, we need to speak to each other. We need to have rapport, and you need to be able to trust me. The way we build that is by speaking to each other. Right? But if you know that you're gonna get a big juicy invoice every time you speak to me, you're not gonna wanna speak to me that often. Right? So for that reason, we charge a percentage based fee. For your assets, it'll be 1.65% ongoing. Just means that I've just got more incentive for me to make you more money because I get paid more. And if you lose for whatever mark happens in the market, then I get paid less. I think it's fair. Is that yeah. Correct. No. So so so that's just your superannuation. Only assets that we manage. So we're not managing your properties or anything. So it's just gonna be if we give advice on super insurance, we'll just be the super fund. Yeah. Correct. And we can charge 1.65%, so 1.5% plus GST. But then when you get to $200, so hopefully, we get you there as quick as possible, then the fee drops between two two hundred thousand to 500,000. The fee drops to 1.375. So, essentially, 1.25. It's 1.5%, 1.25, one, and then one point 0.75 tiered up, but then our GST is what those numbers are. Correct. Correct. So it's your funds, whatever the fund balance is, it's an annual fee, but deducted monthly. So, you know, if you've got let's just say you got a 117 at the moment. Right? So a 117,000 times that by 0.0165. That's $1,930.50 a year. And then you divide that by 12 because there's twelve months a year. So that would essentially be a $160 of the funds in a year, every in that month. And then the next month, the first of next month rolls around, and let's just say you got a 120,000 because it's grown by $3 or a 150,000. Whatever it might be, we'll do the same calculation divided by 12 to deduct that monthly. So the reason why we do it that way is that it it evens up the volatility in the market. Whereas if we deduct it from an annual basis, you know, that might be the peak of the market. And then if it goes your portfolio goes up, withdraw the funds there, and then the the market crashes, it's over the year, it's not gonna be 1.65%. It's gonna be significantly more on an average, if that makes sense. So we try and even it out so that we can utilize more compounding return for you. Yep. Yep. Yep. We can deduct everything out of super so that you don't pay anything out of your back pocket. It's the bit it's the most tax effective strategy because you only pay 15¢ on the dollar going into super. At the moment, you're paying, you know, 37, 39 Medicare, all include Medicare. So so and then you don't feel any weight off your back pocket, especially in your position with two kids. You know what I mean? Does that make sense? Do you have any questions about that? Or yeah. Beautiful. No questions. Wanna make sure that you don't get any surprises when we do present the statement of advice. And just so you're aware, when we do the calculations and projections for super, we take into account all these fees as well as the as well as inflation. So it's gonna be that result's gonna be in the in today's dollars value. Cool. No questions? All good? Yeah. Go for it. Well, it depends. We we've got an ASL. We can recommend I can recommend from Sunsuper all the way up to, I don't know, some Nigerian pension fund that invests in lemon trees in Zimbabwe. Like, we can we can literally invest in anything. At the moment, our largest book is with either Netwealth or one of the retail funds because we've because you got quite a we've we've grown for quite a while, and we've got to a position where we've we're the only company that's got a BlackRock backed SMA in the whole country, and this is gonna remain that way. So BlackRock and our investment philosophies align. So because of that kind of, you know, market movement and that sway, we can get deductions on certain platform fees. Also, you'll find that retail funds with access to direct equities and, you know, all sorts of weird and wonderful investments and a really sophisticated platform that does aggregate trading to minimize brokerage and all that stuff, we can get for more often than not cheaper in terms of administration investment costs than your standard industry fund, like Zebra or Australian Super or whatever. So so we we so it really depends. No. No. No. We well, you're paying yeah. Absolutely. You're paying us paying us for a service. That's a service. Yep. Yeah. We do all the leg work. We we will make all the rollovers happen. We'll do the sell downs. We'll do the investments, the reinvestments of any super contributions coming in. But when it comes to the product, I just have to find out if it's suitable for you because that's the one of the one of the hard things with running your own license and being able to recommend any product on the planet is that exact thing, being able to recommend every any product on the planet. So with with with an endless amounts of options, we need to make sure that what we're what product we're recommending for you is the most affordable, but it also gets you to a goal of that $1,500 a week. And whatever product that is, I don't care. It doesn't bother me. But it's just whatever that product is, it's probably gonna be an Australian retail fund that's listed or something along those lines that we know has good backing. It's not gonna go bust anytime soon, things like that. Does that make Yep. Yep. Exactly. Right. We will we will send you out a what's called a Superchoice nomination form, and we'll get we'll go get you we'll send that out by email and hard pack. We'll give you a real welcome pack. You can either have that form where that form will be in that hard pack, but we will also send it via email. All you have to do is forward it on. We've got all the details in there, and they will start contributing to whatever super fund we recommend. Okay. So make sense? Beautiful. And what I can also do is give insurances regarding, say, life DPD as well as income protection. If you want that, I can get that structured inside super as well. The only one we can't do is trauma. Trauma policies cover you gotta pay out of your back pocket, but it sounds like a trauma policy it covers things like heart attacks, cardiovascular disease, and which is which heart attacks are cardiovascular disease, and strokes and cancers. Big one. Cancers in Australia. So if you want me to have a look at that, you can I can look at it? At your agent stage, it will probably be, like, between 10 and $20 a month. But just by speaking to you, I think I don't think it's I think it'll be more valued in utilizing those funds to put towards your mortgage offset. Yeah? Yeah. Correct. And once you come onboard and you see the value and you do come onboard as a client, you you you have access to us. It's another thing about the percentage based ongoing fee. You're not gonna get invoiced for when you speak to me. So you can call me every day if you want. Preferably not, but, you know, you know what I mean. Correct. Oh, okay. So you've got income protection through through the unions. I'm I'm aware of it too. Yeah. But Paid. Okay. So income protection is similar to that, but it can cover you all the way up to age 60, 65, or even five years. I might have it if it covers you for six months, let's just say you get in a car crash and you aren't able to work because of injury or illness for a year. What are you gonna do for the other six months? So what we can do is we can introduce a waiting period, Scott. So we can structure that policy that we're gonna recommend for you to have a six month waiting period. So for six months, you get paid by the union, cuts off, then we initiate the payment from the six month mark because of the income protection claim, and that'll cover you for another five years, let's say, or even all the way up to age 65 if you want. But I like five years because if you're gonna go back to use your duties of work for for more than five years, you're probably never gonna go back to work again. And you if you have TPD, it sounds like a TPD claim to me. So you get the best of both worlds. You know what I mean? So I'll show you. I'll work that out, and I'll calculate all that because overall goal is to make sure that you're insured for that enough, but not pay the nominal leg for it. Right? We wanna try and balance it out, especially if it's coming out as super. But, yep, that's a breakdown of the fees. We get we get to remunerated commission from insurance companies. The insurance company, if we write insurance or any sort of endowment policy or any sort of risk investments, we get paid commission on that. All the commissions are same, 66% across all insurers. So we don't favor one over the other. It's just whatever is best for your risk rating and appetite in terms of your occupation. Last thing I wanna just touch on, we've got all the insurances you can ever imagine. Pay a lot pay through the teeth for them. But last thing is point 11, complaints handling, and then just backfire with them. So the complaints handling. What happens if what was that example I used earlier? What happens if you give your super to us and we've we're managing and you find out you got no super in your account because I've run away with it to I think it was The Bahamas and pina coladas or something. I'm on the I'm in The Bahamas drinking pina coladas. Right? What do you do? Because you wouldn't be well, the first thing you do is you'd go through what's called an internal dispute resolution IDL and get in touch with the compliance manager of the Australian Financial Services license that that firm works under or is. That is me. But I'm gonna be in The Bahamas, drinking beer and collabs with your money. So I probably wouldn't wanna speak to you, and you more than likely wouldn't wanna speak to me. So for that reason, Boss, my business partner, he's also a he's also a a a responsible manager compliance manager on the license. We have to be linked to it. And you'll get in touch with him, and you'll save save us a bit of dick. You ran away with my money. What do I do about it? And we will we've we've only had two complaints in almost ten years, so that's pretty pretty pretty good. But, yeah, we're pretty reasonable people. Please give us a call if you're upset about anything. We'll work it out. But if for some reason we don't work it out, then you can go to what's called AFTRA, the Australian Financial Complaints Authority, and they essentially are like our ombudsman. They'll they'll come down on us like a ton of bricks and just make sure that everything's fair and reasonable and go from there. Okay? Makes sense? Beautiful. Do you have any questions about the financial services guide? Beautiful. The last thing I'm gonna do is I'm gonna shoot through a couple of questions regarding your risk profile, and then I'm gonna book in some time for us to catch up another couple of weeks and present you with some statement of advice, recommendations. K? So how would you describe your experience in understanding investment markets? Would you say that you've had a positive experience in the ETFs and the stuff that you've been buying, or would you say that you've learned risk and reward balance from negative experiences? Nice. Well done. Yep. Beautiful. Yep. Gotcha. Medium risk. Well, that's why we ask these questions because we break it down to make sure that we do find the right appetite. Because now with when you're talking about risk, you got about four ingredients in the melting pot, if you would. The agree the the four things is, one, your risk profile, what you come out of as from a quantitative qualitative to convert into a quantitative analysis. And from there, you also need to understand time horizon because time is literally risk. Time time equals risk. If you open up a Andex task, you're in front of the computer. Yeah? If you go on to a new tab and you type in andex.com.au, let me know if you got that up. And extra chart. So click on the poster, and then there's a little magnifying glass, the top right corner of the of the actual poster. And I'll open it up. And then let me know when you're looking at that. It's a bit juicy prop from '19 '50 all the way through those colors. Yep. So the blue line is a full Australian index. Top 300, ASX, S and P 300. Light blue lines, what you're in at the moment with super with Cbus, the my super balance portfolio, it's about 70% risk on, 30% defensive. Now it says green is long term bonds. As you can see, they haven't been doing too well lately. Then Graves Cash and CPI is the orange line. At the far left hand side, if you click on the little plus sign, you'll see the growth. If you invested a $100 in any one of these assets in 1950, what would it do if you had no acquisition costs, no taxes, and all incomes that you receive by way of dividend or distributions, we reinvest back in to that exact same index of all products. Right? So a $100 on the dark blue line, this is literally what we're talking about when you talk about time versus risk. So dark blue line is just straight shares, riskiest you can get, right, other than crypto probably, but back then, they didn't have that. So if you go along the line, the industrial kinda crash where the bank cards were launched in the mid seventies, that's the first kinda drop. That's a big one. Next one up is that the big sharp one in the eighties. You're looking at so I think it was '86, '87. That's when mister Jordan Belford's first day of trading went and they had black Black Friday. That is Black Friday, massive drop. A little bit closer to home, 2007 to 2009 is the global financial crisis. To put in perspective, that big drop there for GSP was 62% of my Australian shares. So if you had a $100 in the S and P ASX three hundred, you'll you would have $38,000 left. Right? Not not ideal. But if you kept your cool and you kept so you only you didn't put anything more in, you didn't sell, it would have taken, I believe, five point five point four years to break even again. So that's what we're talking about when talking about time horizon. So if you draw a line from the top point across, so one, two, three, four, five, and a bit, it was it was four it was five point four, not five years and four months, but five point four months of years to be able to get you a 100 back. So even in the riskiest assets, if your investment time horizon is ten years, then you can you can essentially take as much risk as you like because you're looking at about a six year time horizon for a full growth portfolio. Does that make sense? Or little bit. So, yeah, that's the that time horizon is really important. When we're looking at your super, you've got thirty years. This is over thirty five. Well, this is over thirty years. And to just show you the compounding power, compounding return of you know, essentially, this is 2.5% CPI as well, but a $100 in the s and p 300 would be worth $362,654, 11.5% return every year on average. Right? And it shows you the different aspects. I would looking at your time horizon, not only that, we also need to take the other two into accounts, which is risk tolerance and risk capacity. You have capacity to lose money, make it back. And not only that, you're tolerant. So, like, you know, that's that's actually one of the next questions I have. So what let's talk about that. So your so investments go up and down in value. It's called volatility, and you we need to understand your your tolerance to that volatility. Right? So how much could your investment drop and say super? If it how much could it drop in value over a year before you start feeling concerned and anxious? Would you say more than 50%, up to 50%, up to 25%, or up to 10? Beautiful. I'm yeah. Absolutely. Absolutely. That makes sense. Because, yeah, the if you look at ratio, literally one 12 eleven point nine years. If you look at any portfolio, any product, any risk risk profile on the market or out there, you the most risky you can guess if you take from when markets began to almost twelve years. I like to say twelve years, but 11.9 is a ratio of one to 1.001. So you you essentially, even in the most risky markets on the planet, if you took an index approach, you would for for a time horizon of twelve almost twelve years, you would not lose. Okay? But based on that way, you'd how would you feel if in six months after investing, you find out that your portfolio in supers decreased by 20%? What do you do? Would you, one, invest heavily, expecting future return? Over the longer term, would you, two, invest modestly to hopefully get a bit of a return? Or would you, three, hold and wait a proof of not speaking to your financial professional? Or four, tell me to get stuff to move everything to cash? I've dropped 20 in six months. Yeah. Okay. Emotional bias. Yep. That's emotional bias. Yep. Man, we are gonna get along just fine. That is exactly right. Yep. Yeah. When we we people like us, we we we wait for big crashes, and, you know, COVID was a great example of that. Everybody's losing their minds, selling out, and we're just rubbing our hands, holding, going, please, please drop more because if everything's on sale, a fire sale. But you would you'd essentially just hold off and wait to speak to myself to tell me to ask me what to do. Right? Or would you just kind of wait till it's at a really low point and then do it like, be open to putting some money in yourself? Oh, just in yeah. Just in general. Both. Both. Either or. Mhmm. Yeah. What's what's happening? Yep. Yep. Yep. Okay. So would you would you would you say that, say, hold and wait improvements is probably the best answer for that one? Yep. Yeah. Cool. And then if I yeah. If it's if it's got something to do with, like, you know, a southern worldwide pandemic, yeah, I would probably be hold off until we find recovery. So we also do active management just to give you peace of mind. So during that pain, for example, COVID, we sold all of our clients' growth assets down to 50% cash position about four days into the declared pandemic. And then about when we when I believe, a little bit later, about three weeks, three and a half weeks after the bottom of market, so during recovery, we've reinvested. We mitigated about nine between 79% worth of losses for clients just from our market movement. So we do a little bit of active management in your in the background as well. K? Alright. What kind of return? This is one of those stupid questions, but what kind of return do you expect to achieve with investing with us? 18% and above, 26.8%, 34.6%, 42.4%, or five zero point two percent. I'm gonna say the most much as possible. Right? Yeah. You'd think so. Yep. You'd hope so. And how much or next question is I'm gonna ask that for you because what kind of income do you expect to receive from your investments? This is more for older clients. So, you know, one's capital growth only, no income. That's what we want, and that's what you want in this accumulation phase because yeah. You you you just have to pay 15% tax on super or if it's in your personal name. It adds on to all income. It's added on to your taxable income whether you reinvest or not. So you just wanna accumulate the biggest pool as possible in an environment like Super so that when you get to actually drawing down on it or receiving an income on a larger pool, which means more income, you wanna be you want it to be as tax effective as possible. Right? At the moment, while you're working and before the age of preservation with super, it's not gonna be coming from by way of income. So we wanna try and get growth assets and accumulate as much growth in the actual stock value than actually receiving income that comes later. Okay? Does that make sense? Okay. Perfect. Now we're we're there's something we worry about when we get to the age of fifty fifty five. Alright? Now have you thought about taking out a loan to invest? Last two questions. Have you thought about taking out a loan to invest? Would you say, one, you have borrowed or open borrowing open to borrowing like a margin loan for stocks and managed funds? Would you next is have you have borrowed or open to borrowing for investment property, but not stocks? Or two or the third one is you're only happy to borrow for a private place of residence, and that's it. Would you borrow for a that's alright. Correct. But that's for an investment property. Right? Would you be open or would you ever consider borrowing against, say, property or equity to be able to buy shares? Gotcha. You what we could do, if you're going through a refinance, see if you can release more equity for investment purposes, because then you could just release another $50,100 grand and put in put in a share portfolio. Well, we we can do that's part of the service. If you're paying us, we can we can manage those. We could create a portfolio with that as well after we set the root stage up. So it's entirely up to you. But if you go yeah. But if you're going through that, you know, if you're going through that if you're going through that refinance stage, see if you can release another 50 k or something like that. Just just on top of what you're already pulling up because we already found out that you still go, you know, you you still got a 150 to a $170,000 worth of equity that you can release, essentially. So definitely something to look into. But just food for thought. But, yeah, you'll be open to borrowing stocks and funds. And based on the way that you answered that question, how would you feel, you know, personally, about taking out money to invest? Would you say that you're, one, comfortable borrowing for investments, but aware of are aware of the risks? Would you say that you're somewhat comfortable and kinda cautious? Would you say that you're really hesitant in doing something like that, or you say you're tempted to do it? Yeah. Go somewhat. Beautiful. May you call it as a high growth investor? You I think that's if anything, I think you could even take more risk. But just by the way, you kinda described yourself as a moderate risk taker before we kinda went through this. I would be inclined not to take a full a 100% pedal to the metal. We can even gear stuff. We can we can do, like, leveraged assets as well. I wouldn't be going that far. You do have the time horizon for it. Like, you know, we're working with thirty years here, so it it would work based on time versus value and return. But you're gonna see high volatility. You're gonna see you know, if you if you go in something like that, you can easily see 20%, like, ups and downs. So, you know, it's I would be inclined to take a high growth a high growth kind of approach. What that means is somewhere in the realms of either 10 to, like, ninety ninety to 98% invested into assets between all assets like shares, commodities, gold, infrastructure, all that stuff, even property, arrears and rears, and then another between 10 to 2% worth of defensive assets. Probably the ninety ninety twenty split's kind of a good one for you because then at least if the market's full, you still have some exposure to bonds and fixed interest assets and defensive assets, which essentially, you know, will will halt prop your portfolio up, and you won't lose as much if it were to fall. And that'll prevent you from getting those 20% swings. So would you be comfortable with something like that? Or yeah. I think you're taking somewhere it's last time I checked SeaBus was somewhere in the eighty eighty twenty split. So just taking a little bit more aggressive approach because of the time horizon we're working with, but still having a bit of exposure to defensive assets. If you're happy with that, man, I'm happy with that. I think that's perfect for you. Well, man, it feels like we've been yeah. Oh, thank you, man. I appreciate the confident vote of confidence. I can tell you I would be definitely going to you to drive a crane. I wouldn't have a first idea about doing that. That's what makes it all go wrong. Right? But, yeah, look. What's the what I've noticed is that, you know, again, doing this for as long as I have, I've noticed that over time when you start building that rapport and that relationship with each other, you you start feeling more comfortable in, you know, our our our capacity and what we know. And what happens is that risk profile usually goes up quite considerably over time. We do a new one every year. And oh, yeah. I've I've I've had, you know, clients that were started off in a moderately defensive portfolio. You're talking, like, you know, 55 45 split. And now they are leveraged to their eyelids because they just they see the value in deducting investment debt as well as the return on it at the same time. So we're gonna build that relationship moving forward as well. Beautiful. But other than that, mate, that's pretty much concludes that concludes our initial consultation. Thank you for your time and patience, mate. I've got a fairly good idea of what you wanna achieve and how we're gonna get you there. Now the last thing I wanna do is book in some time in a couple of weeks. When is a good time for you? Does this time kind of suit you, or would you prefer another time? Or yeah. Yeah. No. That's alright. Well, what about let's have a look. The or fifteenth. What about Tuesday, the fifteenth? Or what about Wednesday, the sixteenth? Was that is Wednesday a good day for you? Or yeah. Correct. Yeah. No. That's alright. That's alright. So Oakview Financial, I'm gonna send you Beautiful. Now Oaktree Financial. I'll send you out a calendar invite, mate. You can you can actually within that invite, I'm pretty sure you can propose a new time just for some reason doesn't con it's complex or something. But either way, I'll tentatively lock it in then, and then I'll get to work, put together recommendations for your super insurances, make sure you're covered, make sure you're growing better, and getting to that goal of, say, a thousand to $1,500 a week by the age of 60. But I'll work with that at the moment because you can only access super at that age. And then from there, we can you know, once we get that, do you see the value in our services compared to c bus, obviously? And then as a kinda comparison projection table, I'll kinda compare one with the other, make sure that you see even net of fees that we can get you in a better position if we can. If we can't, I'll just give you a call and just say, hey, man. No. It's there's no points, and the only person that's gonna win out of this if you go ahead is me because I'm gonna get paid, but you're not gonna be in a in a better position. So there's no point to coming aboard. You know what I mean? Beautiful. Well, yeah, I'll send you out an invite, mate. Absolute pleasure. I'll speak to you in a couple of weeks, Brodie. But if there's anything else you need, don't hesitate to reach out. Alright? You got our 1300 number there in my email as well. No worries, mate. Speak to you soon. Enjoy your day. 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Caden. What, man? Amazing. What did he say?\n\nNo. That's right. Please put him through. Brody, mate. David Zotto speaking.\n\nHow are you? I'm well, man. I'm well. Thank you for asking. May this is entirely on me.\n\nI I thought that the appointment was at, 10:00. I've been sitting on my computer since 09:00 this morning, dropping the kids off, and then I've just been literally looking at your research and plotting away, and I have no excuse other than believing for some reason that it was 10:00. You should see my appointment's not and then I do Now I apologize completely. That is entirely on me, and I've got no excuse, to be honest. Beautiful.\n\nNow I understand you already spoke to my colleague. Madison, you've gone through a bit of a fact find. Again, as part of this call is just, obviously, introducing myself, getting a better understanding of yourself, you know, your goals, your objectives, what what the reason why you're reaching out to us. And and then from there, we'll we'll essentially go through once I know a little bit more about you. I'll show you our financial services guide, our OPC services guide, and give you a little bit of an understanding about us and kind of identify where you are in the overall kind of financial freedom scope, if that makes sense.\n\nBeautiful. So, mate, let me know a little bit more about you. I've got a little bit of a rundown from the notes from Maddie. But, yeah, what what what brought you to reaching out to us? Yep.\n\nMhmm. Yep. Yep. Construction and building. Yep.\n\nThe soil. Yeah. Yeah. Yep. Okay.\n\nWell mhmm. Yep. Yep. Okay. Yeah.\n\nIt is a bit slow looking at your primary place of residence debts. That's 470,000. And then you also got the the missus car. So, yeah, with insurances, they just this one of those things you pay all this money for the best outcomes, nothing happens. You know, if nothing happens, you live a happy, healthy life, and that's great because you don't have to claim on anything severe.\n\nBut if that's the case, then you don't get a refund for the premiums you paid your entire life. So it's a horrible financial decision if nothing happens, if the best outcome happens. Right? So we need we need to when it comes to insurances, we do we do the full scope of work. So super as well as insurances all the way up to, you know, marginal lending against properties for shares.\n\nWe can do pretty much anything on the financial scope. That's all we're licensed to do. And I guess it's it's it's nice to know that we're getting referred over from word-of-mouth, so we must be doing something right, which is nice. But, yeah, you you're looking at your looking at your liabilities, mate. You you it looks like you're underinsured.\n\nBut keep in mind, you've also got the super balance that would get paid out in your event passing as well. So that 200 and 8,000 plus the $1.20. Yep. Beautiful. Beautiful.\n\nYep. Mate, that's a very good plan. Very good plan. Alright. So once you retire, late late fifties on shares, and then you when you hit that preservation age of 60 years old at the moment, don't know what the government will change it to by the time we get there.\n\nBut, yeah, when you get to age 60 at the moment, it's preservation, so you can start living on that super. I guess my next question is we've got the time horizon that we're working with. So what would you think would be a reasonable amount to live on? Have you ever thought about that? Or so let's say yeah.\n\nOr or in today's dollars. So it's gonna be dollar for dollar. In future years, we'll take inflation into accounts and every calculation. But if it was in today's dollars and you're hit the age of 60, have you thought if you got no debts, no mortgage, no nothing, have you thought about what that number would be? Use usually, clients say about $1,000 a week is a good is a good amount with no mortgage and no liabilities.\n\nThat's about two to three overseas holidays a year with no dependents. I know. Yeah. That is fair. That's fair.\n\nYep. Yep. Okay. Well, just because you said that you splurge, let's go the higher end because it's a goal. Right?\n\nAnd so let's go, say, $1,500. So if you're looking at $1,500 a week, there's fifty two weeks in a year, that's $78,000 in a year that we wanna try and achieve as a goal. Right? So what's your super tracking for, say, 800,000? Was it 800,000?\n\nCorrect. Yeah. So it well, look. Let's work on what c buss's projections look like. We obviously wanna it's not really about our job's not really about looking at investments and portfolios and just getting the best return we can.\n\nThere's always needs to be a philosophy or a a a purpose behind the investment Because for the fact of the matter is if you reach that purpose, let's say a certain number or what you want the money for to purchase something else, whatever that purpose is, if you can achieve that sell up, don't take the risk because you've achieved the goal. That's what a lot of investors lose scope of that I've seen at least in my career. So it's really important to kind of establish these goals. So looking at, say, $1,500 a week to $78,000 in a year, let's just say a return of 5%, which is about, what, 65 basis points more than the cash rate at the moment. So net of fees, you know, fees about 11%.\n\nSo let's just say in a very defensive portfolio utilizing bonds, very safe investments, you wanna have a pool of money that can grow at net 5%, just for number's sakes, net 5% per annum so that you can be able to live on interest. That's true financial freedom. Right? If you want $78,000 a year, divide that by 5% up, that means that we need a balance of 1,560,000. So if you've got $1,560,000 in your overall share portfolio, super, whatever it might be, we can look at ways to kind of introduce that that share money into the super environment, which is really beneficial because everything over 60 is free, tax free, capital gains tax free, you know, whereas at all incomes only all incomes free as well after the age of 60.\n\nWhereas if you kept that shared portfolio in your personal name, it adds on to your taxable income. If it's inside super. Yeah. Correct. So you need any of those ways we can Okay.\n\nYep. Correct. Okay. Okay. Yeah.\n\nSo it's well, it's not really 33%. So you get a 50% capital gains discount. And if you were to retire, you sell that much. Sorry? Well, let's, yeah, this is a common misconception.\n\nIn the recent budget, they changed it to not 50% down to 30%, then 33, but it still hasn't gone through senate. It's gone through lower house and upper house, but it still needs to actually be passed the legislation. So it's not actually confirmed yet. It's still it's it's it's it's on the latter end of actually being approved going through. But at the moment, all the way up until, I believe, 07/01/2027 is it's still 50%.\n\nAnd the fact of the matter is it takes a long time to get legislation in place within the acts to be able to make it, you know, to make it solid, to make it make it an actual legislation. And the fact it needs to get through it needs to get through that final stage still. So as far as it makes my job really easy not knowing the future, but planning the financial future for clients. But, yeah, it is still hasn't been passed yet. But if it does, yeah, it's 30%.\n\n30%. But if it's in a company with GST, so 33% of it in a company. For you, you'll get a 30% CTC discount. So, you know, you made a $100. You wanna start selling it down.\n\n30 you sell down a $100 of it, that share portfolio. If you're not working, so you retire and you sell it down to live on, whatever it might be, then $30,000 of that $100 that you sold down will go to the tax plan of whatever that if the gain was a 100,000, so more than likely over that time horizon from 30 to age 55, let's say, you'd probably achieve that more. So, yeah, yeah, $30 goes to the ATO, which is awesome because we know how to spend our money better than they do half the time anyway. But, yeah, that goes there. Then you gotta pay income taxes, marginal tax rate based on an income of 70 k leftover.\n\nSo it's not just 30%. You get the capital gains discount. So that 70,000 will be added to your taxable income on a tier structure. Yeah. So, like, what you're currently making a good way to explain is you're currently a crane operator, and you're on a 100 and $180 a year?\n\nYep. So every dollar above 200,000 is gonna be taxed at 45% plus Medicare levy, 47%. Right? So if you had a, say, a 50,000 or let's say let's say a 20 a a $30,000 capital gain, you would essentially pay the highest marginal tax rate on those dollars on $10,000 of that because the tax bracket went up from one eighty to $1.90 to 2 100. So yeah.\n\nNo. Tell me about it. It's not ideal. So that's part of our job as well. So when you get to that stage, hopefully, we can be you know, have a relationship and work as clients and professional relationship all the way up till then because we've got strategies that we can implement to mitigate that tax liability.\n\nBecause this is one of the main reasons why I got into this profession because I don't like the tax man very much. I think that they are crooks, and I like to keep as much money in my client's pockets as possible rather than going to the ATO. Because I've still got a puddle at the front of my investment property's house that's been there for three years. I want to guarantee the guarantee our boss probably got no puddles anywhere near his house. Right?\n\nFunny how that works. So that's kind of gives you a background of my kinda my mentality when it comes to the ATO. I think it's very similar to yours and everybody else's. But, yeah, to give you an I to give you an idea of of what what the rules look like, yeah, you you if these shares are held in super above age 60, 60, completely tax free if you sell them, or any dividends or anything that gets paid. However, if it's in your personal name, it will get added even after the age of 60, it will get added onto taxable income.\n\nYeah. No. It's fair. Yeah. It's a good plan.\n\nIt's a great plan. Yeah. You're right. So five so 5% of your wage, how much do you save per week, would you reckon? Yeah.\n\nSave. How much could you save per week or sort of a month, whichever you get paid? Okay. Yep. Yep.\n\nYeah. Good. Good. So would you say maybe let's just say if you wanted to salary sacrifice 5%, that's a lot based on your income. Because you're already contributing your employer puts a new SGC contribution of 12% every year.\n\nThat's $21,600 going into your fund. If you wanted to put in 5% of your gross wage of 180,000, you're looking at an extra $9,000. So you're essentially over the cap by $600. So 5% is too much. That's nine yeah.\n\n5% of a $180 is 9,000. Right? Half of 18. So you're and you're already putting in concessional contribution from your employment of 21,600, the concessional cap is 31 is $30,000 at the moment. So every every dollar after that is taxed at the highest marginal tax rate.\n\nSo there's no benefit. Yeah. So you wanna kind of limit that, but there is ways we can get around it. You can carry forward the last five years of unused cap or concessional cap. So if you're if you haven't salary sacrificed anything at all and you get to the end of the financial year, Over the last five years, you've essentially been on a 100 let's just say, a $180 for the last five years, and you haven't put any more in.\n\nYou've got, what, $8,400 excess every year for five years. So you can you can salary sacrifice more in if you wanted to. Strategy, we do closer to the time of retirement because you can access the money sooner. But to answer your question, if you're saving a $150, once you got $50 salary sacrifice and a 100 into it was a week. Correct?\n\nSorry. Was it a $150 that you could probably use as savings a week? Okay. So let's just go if you got a 150 spare cash flow $150 per cash flow a week, then, you know, why don't you kinda diversify? Why don't you put a 100 towards the mortgage?\n\nBecause that if you do an amortization calculator, you'll be amazed at how much that reduces your interest repayments, just a $100 a week. I can do all of that for you as well. But then put then salary sacrifice $50,000. That's an extra $2.5, $2,600 into your super fund. That's minimizes your tax your tax liability as well.\n\nYeah. So, I mean yeah. Yeah. Yeah. But we could Yeah.\n\nGotcha. Yep. Correct. Do you do you have an offset account? Okay.\n\nGotcha. Correct. Yep. Absolutely. We can do that.\n\nYep. So you're looking at yeah. Absolutely. We can definitely have a look at debt recycling. I love I love debt recycling, especially if it's for bricks and mortar.\n\nWe can have a look at that. It really depends on what service you kinda go wanna go with, but we can get to our fees and what we charge and the services overall. We can do complimentary stuff, a complimentary statement of advice. But if you want that more complex kind of strategies and looking at debt recycling and, you know, mortgages and stuff like that, there is gonna be an upfront cost for the preparation of the statement of advice just so you're aware. But like I said, I'll I'll I'll just get an idea a little bit more about you, and then we'll go through all of that when it's when we're done with you.\n\nAlright? Beautiful. So you're looking at salary sacrifice, possibly. You're looking at debt recycling, possibly. You definitely wanna have a look at that c plus superannuation because as we've indicated, if you want 1,000 to $1,500 a week by the age of 60 when you can access it, you're currently not on track to achieve that with the 5% return net.\n\nRight? So you need to get you on track for close to 1,500,000. So we can utilize strategies to kinda see what salary sacrificing looks like and how much you'll need to put in if for some reason we weren't able to achieve that projected amount. So that's the number I'm gonna work with within my head. Alright?\n\nBut then you also indicated that you would don't wanna work and wait till you're you're the age of 60. Right? So you wanted to build up some sort of share portfolio, which you're comfortable managing. We do we can set up share portfolio. I mean, we're looking at your super, and we provide a ETF recommendation for diversified portfolio.\n\nMaybe you can probably just copy that if you like, save some money. But if you're happy with your portfolio at the moment, I'm more than more than welcome to do it that way as well. But the let's say when you said late fifties, do you wanna aim for having a shared portfolio to be able to help the boots and retire at the age of 55? Is that a good number? Or Okay.\n\nWell, debt free and mortgage. So debt free completely by the age of fifty fifty five. Alright. We can work with that regarding the salary the contributions to your mortgage. And, yeah, if you if you wanna set up and refinance with Macquarie, I love Macquarie.\n\nThey're an amazing bank because of the products that they have. So the products, like you said, many different or you can link something like 28 accounts, bank cash bank accounts to an offset one offset loan. It's insane. So, yeah, I think that's a great idea. Yeah.\n\nYou you should be able did you want me to well, I can definitely have a look at ways to essentially introduce, you know, contributing to an offset account and how much that number is to be able to achieve that goal of, say, 50 and then an alternative for 55, if you like. But, again, we're we're I'll get you get I'll give you an understanding of our our services and what they cost and all the bits and pieces as well because it's kinda like a tiered approach. That makes sense. Beautiful. Okay.\n\nWell, I've got a pretty good idea. We've already got all your fact finds and risk profiles and things like that. But is there anything else? So we're looking at debt recycling. We're looking at some want to retire around about I'm I'm gonna aim for 5050 to '55, be debt free, and hopefully hang up the boots, and then live off the share portfolio to the age of 60, if not further, and then start utilizing superannuation as a drawdown in the income mechanism.\n\nIs that the plan? Yep. Yeah. No. That's alright.\n\nYeah. No. Absolutely. Yeah. No.\n\nWe can have a look at that. Alright. Well, what I'm I've got a fairly good idea of what you have to, mate. Unless there's anything else while I draw up this email, I'm gonna send you through I'm just gonna shoot you through an email straight from my personal email. It's it's gonna include the Oakview Financial Services Guide as well as the Oakview Services Guide.\n\nA little bit more about us. I'll give you an idea of who we are, what we do, what we charge, all the bits and pieces, all the compliance points. And from there, man, I think I just need to run through a fact by did you go through a risk profile questionnaire with Maddie when she called you? Let me just have a look. Yeah.\n\nNo. That's right. Let me have a look. No. She didn't do that, so she probably left it up to me.\n\nSo then I'm just gonna ask some questions regarding your volatility and your your, I guess, your attitude and approach to financial risk. It's some of those questions are pretty dumb. They've made up by the ASIC and the federal government, so bear with me when we go through it. But, yeah, it gives me an understanding. We're gonna have a discussion about what kind of risk tolerance you are and what time versus risk actually means.\n\nAlright? So are you in front of a computer at the moment? Okay. Yep. Is there any way that you would, maybe on your phone or something, be able to access your emails?\n\nOh, yeah. Yeah. Correct. Because I wanna send you through this the the these two documents and actually walk you through them. It's it's part of our compliance approach.\n\nFound out the other day, actually, off topic. The financial services, the asset management and financial planning is more regulated than the pharmaceutical industry at the moment in Australia. Pretty crazy. But, yeah, it's just I mean, fair enough. We look after hundreds of millions of other people's money.\n\nWe need to make sure we do it correctly. But, yeah, I will essentially wanna back to the financial services guide, I do need you to have access to actually see these documents. So if you can, probably a last week or whatever is easier for you to receive an email. And your best email, just to confirm, is where are where are you? Sorry.\n\nI opened up my CRM. So are you still b.stevens2285@hotmail.com? Beautiful. While I'm while I'm being ah, beautiful. Beautiful.\n\nYep. Just open that up. Jump in the emails. You should receive something fairly soon. And, Smit, do you have anything other than that?\n\nSo, I mean, from a from a planning perspective, from a future financial goals perspective, you're pretty bang on the money. It's it's it's a really good plan. Lots of clients kind of tend to lean towards that plan. The only thing that I did wanna ask is what are your thoughts about kind of leveraging to invest? So borrowing against equity in your home to buy another investment property or shares or something like that.\n\nYep. Mhmm. Yep. Okay. Okay.\n\nSo when the kids go to school. How old are your kids? Okay. Okay. So run about what?\n\nPrep is about four, four years old, five years old? Is that when you're thinking that that's not okay. Perfect. Well, with property, if you want to get an investment leverage against it, it's really important that you wanna retain about, let's say, 20% as LVR, loan to value ratio. So let's just say that you got a your property's worth a million bucks and you want to pull money out.\n\nYou don't wanna pull more out to make the than making the loan higher than 800,000 because then you initiate LMI loan mortgage insurance, and that's just an insurance policy that you pay and you don't get any return for. So we is it a good number with a million dollar property? Is having equity of around about 600,000? Because then you can leverage against $200 and still have $200 left over in the property to not pay for that loan mortgage insurance policy. So that's kinda gives you an indication.\n\nIf you were to if you're borrowing that money, how much money are you gonna pull out of that property for innovation? Is that a $100? Beautiful. Let me pull up your fact find over here. Alright, sir.\n\nYeah. Good. 580,000. It says $5.70. On the Factfind, is it 4 is the loan at $4.80 or $4.70 at the moment?\n\nOkay. Yeah. Yeah. Yep. Yep.\n\nBeautiful. So releasing a 100 for for renovations. Beautiful. And that but, I mean, even at that LBR, you're looking at, you know, what, 570,000, and your property's worth 900,000, you said? Approximately, and that's Macquarie Hills, New South Wales.\n\nCool. Yeah. You should have enough. Dude, let me just do a quick calculation here. 900 k minus the $5.70.\n\nWith the equity release, you have 330 k worth of loans. And then we'll go twenty percent 900 k. Should be 45 at 90. Oh, there we go. Okay.\n\nSo times five zero points to yep. Minus three thirty. So even after releasing the $100 worth of equity, you still got a $150,000 worth of equity that you you are able to access to for investment purposes without paying anything extra for that loan mortgage insurance. So you're in a good position. If you were to use that same kind of, I guess, modeling, same theory of 20% LVR.\n\nSo you 150 k for a deposit on an investment. You know, you're you're essentially looking at if you use a 100 of that 150,000, just just not release, no sale, no nothing, just through equity backing. You're looking at 100 if you just use a 100,000 of it, then you got, you know, stamp duties and all that stuff extra. You can usually lump it onto the loan. But a 100,000 divided by zero point to yep.\n\nSo you're looking at a $500,000 property purchase if you wanted, like, a units or something like that, like an investment property. You still have act you still have a a capability of doing that just to just to give you kinda peace of mind. But yep. So if that is something that you wanted to have a conversation about in the near future, mate, we can do all that too. Yeah.\n\nYep. Yep. Yeah. I yeah. I'll get it.\n\nYeah. No. That's fair enough. It says, yeah, if you've got a negatively geared property, it does cost start the starting point before the actual price of the property increases so you can increase the rent, the yield. Yeah.\n\nIt's pretty tough. It's pretty tough at times. I've seen clients pay, you know, get an investment property, I think it's a great idea, but the rents are not really in line with these higher end properties, like about 200 1.2, $1,500,000 investment property, but they can only rent out for $800. So it ends up costing them, like, 5, yeah, $5.05 grand to $5 a month or something. You know?\n\nSo alright. So no. That's alright. That's alright. That's fair enough.\n\nBut somewhere down the track, you you more than likely will be. Right? So just keep that in mind as part of our services. Now my this email, it's nice and short and sweet, but it's somewhere up there in the ether the the web clouds or whatever the stuff. I don't really understand how it works, but it's should be on its way to your email account now.\n\nSo maybe just hit refresh or check junk or something to send in from osavvy@oqfinancialcom.au. So let me know when you have received that, and we'll get into the compliance parts. Alright? No. That's right.\n\nThat's right. How's the morning been? Alright? Beautiful. We do work from home Thursday.\n\nWe've got all the team to work from home on Thursdays and Fridays, and productivity has gone up, like, 30% or something. It's insane. Yeah. Working yeah. Well, if you need no sedentary work, working a computer, and now with this modern technology, like I said, that I don't really understand that much.\n\nI just stick to stocks and shares and planning. Yeah. It's it's it's amazing how how much more morale kind of as a business owner you you you get from the team. So, yeah, I'm I'm in the comfort of my own home looking at my puppy. Drop the kids off, and the missus in Melbourne.\n\nSo yeah. Yeah. I can't really complain. Alright. So refresh.\n\nMaybe check your junk. I know that sometimes it is a new email. Yep. Yeah. No.\n\nThat's alright. Just move it to your inbox because then all future correspondence will go straight to your inbox as well. I think you right click. Oh, no. I hate it when that happens.\n\nMhmm. Beautiful. Now you got three attachments. Let's open up the first one, the 2026 Oakview services guide. You're right.\n\nLet me know when you're looking at it. Beautiful. So you should be looking at the front page that says Oakley services guide and a picture of the Gold Coast and all those bits and pieces. You're looking at that? Beautiful.\n\nSo this is just gives you an idea of why we started the company. You know, it's about about ten years ago now. We we we started myself, my business partner, and his wife, we took on a whole bunch of angel investment debts and from a complete twit, to be fair, it was a bit of an asshole, but we ended up paying him out. So with with only hopes and dreams and no clients in the garage in Pimpama on the Gold Coast. And somehow, we've made it work, but this was right at the time when the Royal Commission into Banking and Finance was going on in 2017.\n\nDo you did were you did you remember that? Or no. That's right. So during the Royal Commission, they found that asset managers, financial planners, insurance brokers, there's a lot of people doing the wrong thing, but really bad stuff. So things like charging so a a a client would pass away and a multimillion dollar insurance policy will get paid out to the super fund for release from the trustee back to the the client's beneficiary.\n\nHowever, the client's beneficiaries, the family members didn't realize those insurance policy, so nobody really chased it up. So these asset managers, with knowing that these payments would get paid out, this is only one example, with knowing that the funds were there, they would actually retain those funds, not let the client's family know, and just charge exorbitant fees on it for as long as they like. It's it's disgusting. So but there so there's a lot of players doing the wrong thing, but there are a few of us that are trying to do the right thing. And that's why we start the company on the second page with the vision of being the most trusted financial aid firm in Australia, sticking to a core mission of just, you know, providing us down long term holistic financial strategies to achieve clients or, should I say, couples, families, and individuals and overall clients that have been achieve their financial goals.\n\nAnd our core values, I've kinda get the team to chart the core values, and we've got about 43 of them. So you can imagine how loud loud it gets. I've charted these core values every morning so no one forgets it. And there's a little bit of a blurb about, you know, what what we did, why we was why we started it, and pretty much everything I just told you. But more importantly, if you go down to the next page where you're looking at the Oakview Wealth Cycle.\n\nYou having a look at that? So the Oakview Wealth Cycle, mate, we've and this is I've I've been fortunate enough to work in many different kind of financial arenas around the world. HSBC in Hong Kong when I just finished uni as stock broker, and then went to The UK or to to Scandia Life and all Mutual Global Investors and and then also boutique firms as well as large banks in Australia before starting this. And I can tell you that all this process is more it's not really a process. It's more of an algorithm.\n\nI've seen it work at different different areas. So let's say, CBA, for example, Commonwealth Bank, they do this approach in almost like the ladder concept. Over in in The UK, they did, like, a baseball pitch diamond where you start at one base, go to base two, base three. But overall, it's all the same thing. And like I said, I've been fortunate enough to be doing this long enough to actually see it work.\n\nRight? So most of the time clients start as a seedling, and it's at the same time, man, I'm I'm I'm a finance nerd. I'm really nerdy when it comes to this stuff. So excuse all the super corny acorn corny corny analogies and things like that. It just kinda comes with the nerdiness.\n\nBut if you're looking at a tree, like an oak tree, oak view, you're thinking about the tree of an oak tree. So you start up as a seedling, no real growth plan, no strategy, no direction, just kind of a vague idea of what we discussed before, and then we move on to what what do we do next. Alright? And that's where we move on to what we can like to call the root stage. So this is your super and insurance and also accounting taxation.\n\nWe just refer you over to an accountant if you don't have one. Because once we start our financial journey together, work together moving forward, it's, yeah, it's more of a relationship, but, also, you do wanna make sure that you're you you have other professionals in their fields to be able to do the right job as well, which is accountants, lawyers, and mortgage brokers. So I'll get to that in a second, but that's the overall roots there. These things that work in the background that you don't really see every day on your day to day, like your bank accounts or shared portfolio, things like that. It's it's in the background, but it's really important for your retirement because super as superannuation while you're working, your accumulating career is moving onwards to towards the age of 60 and preservation.\n\nYour super is growing well for retirement, but at the same time, insurances need to be right and cover you for just the right amount, and we assess that every year to cover you for the rest of the time in case something were to happen. Right? If you were to become TPD, you can't be a crane driver anymore. Right? So that's what the insurances are for.\n\nThey're this necessary evil that you kind of have to address, but I can tell you some horror stories. They are really good to have when you need them. Yeah. Being over insured is just as bad as being underinsured. So you you identified you're underinsured.\n\nYou think you need a bit more insurance. So we can calculate the exact dollar figure that you actually need and what your life's worth. Small business itself. If you yeah. We yeah.\n\nWe can work it out. And it's just it's just to make sure. Because if you if you over insured and you come for a million bucks and you only got a $500,000 mortgage, then you're paying all these extra premiums to a company that the best case scenario is you don't claim because nothing happens. And then you don't get a refund of all your all the premiums you paid your whole life. But if you so we try but if you're paying for extra that you don't need, it's just wasting your money.\n\nBut at the same time, underinsured, all the premiums you're paying for that life and TPD inside CBAS, you for being underinsured, that's not gonna suit your needs if something were to happen. So what's the point paying for it at all? Yeah. Correct, sir. So it definitely is really important to, you know, make sure that along the journey because the more and ideally, the best outcome is being self insured, and that's not having to pay some other bloke a premium to cover your needs because you can cover them yourself.\n\nRight? So that's mortgage paid out and all that. So over time, as your wealth grows, we wanna reduce that some insured insure insurance policy to make sure that you're paying as little as possible in the event that something doesn't happen, which is the best case event. Right? And try and get that down as much as possible so we can address all that.\n\nBut after that, once we once we set up those foundational roots, then we move on to this the area we like to call the trunk, the foundations. So this needs to be really sturdy. You need to get on top of your cash flow and budgeting. Have you got a budget? I can send you through, you know, a MoneySmart budget calculator.\n\nIt's really useful tool. It's essentially, like, starting to treat your money almost like a well trained dog. It sounds weird, but just hear me out. So, you know, if you give the dog a bone, you say, but dog, go to market, bring me a bigger bone. That dog is loyalty.\n\nSo go to the market or bring back a bigger bone and, you know, you give it a pat, give it a scratch, and say, right. Well, here's the bone again. Go out there and take bring me a bigger bone. And it'll carry on doing that. But what usually happens is more often than not, you get such a big the bone grows into such a big return that, you know, you lose kind of you lose loyalty with it with that dog that's actually the vehicle that's getting you the return of the bigger bone.\n\nAnd you start keeping that bone for yourself, talking to mates, and you stop playing with the dog. And what happens is you lose that relationship with the dog or the money, and what more more often than not we see is that that dog will start taking that phone elsewhere. Right? So really important to get on top of that cash flow and budgeting and create that relationship, that strong bond with your with your income, with your cash flow, knowing where everything's at. Next up, we like to create some nondeductible debts.\n\nSo family homes are good PBR like you've got now. It's a really good starting point to do exactly what you're doing now. You know, releasing equity so that you can get further investments like investment properties or shares, something like that down the track because in Australia, investments are amazing. In Australia, you know, we we pay some of the highest, I think we're, like, twenty fourth or twenty third highest marginal tax rate on the planet out of all 200 countries or whatever there is. But in saying that we are number one in terms of investing and being an investment haven.\n\nAnd the reason for that is because we're the only country in the world where you can deduct a 100% of the investment interest that we pay. And where else does that? And being a tax paying such high taxes, you wanna be able to deduct those kind of those types of taxes, right, being the highest. So it's it's such a haven that we've literally had to put a cap on international investment from China because they were just buying up land, not caring if, you know, sky rises and things, not caring if if you'd probably know about all this in your line of work. But, yeah, they only 50% international investment can go towards a new build of a of a commercial sky rise or residential sky rise because, you know, yeah, there's lots of money flowing in internationally because they only rent land for ninety nine years.\n\nWhy would you do that when you got that kind of money to buy buy skyscrapers and, you know, hold the land forever with an appreciating or some of the best appreciating property values on earth. So we've had to limit that to only a 50% international. The rest has to be domestic. So property's a really good place to start, but if it's your primary place of residence, as you know, if you can't deduct the interest on your payments. So what we wanna do is create that relationship, get the family home or private place residence, pay off to a point where you can leverage to get an another investment, and then just build from there and use OPM.\n\nYou know, the concept of other people's money, OPM? Or yeah. So I'll just do yeah. I'll I'll give a brief description, and let me know if it kind if if it makes sense. But if you got, say, $10, right, $10,000, you invested in anything, shares, property, whatever it might be, the the the pen and the pad that you're looking at, that goes up by 10% in a year.\n\nYou've made a thousand dollars. Right? Congratulations. But if you take the same $10,000 and you put it to you go to an investment bank or just any normal bank, JPMorgan Chase, something like that, you go, hey. I wanna borrow $90,000 to make my total value of my portfolio a 100.\n\nThey go, yep. Not a problem. We'll give you $90, but you gotta pay us 5% interest just for number six per annum right on that facility. So that's what? 5% of 9 $90 is 45,000 4,500 a year.\n\nSo you go, not a problem. Sign the paperwork. But now you've got your initial 10,000 plus another 90,000 of OPM, other people's money. And then you say take out that a $100 as a total, put it in the exact same investment that makes the exact same 10% in that exact same year. Now you've got $10,000, but you gotta pay OPM back.\n\nSo you pay him back for 4,500. What you're left with is $5,500 on the exact same $10,000 outlay. So that's a 55% return in a year compared to 10 for the same vehicle. You know what I mean? So that's that's not only that.\n\nThat's the gear that's the gearing side of things, but all the interest, that 5%, you can deduct a 100% of it. If it's an interest only loan, you can deduct a 100% on your repayment in Australia, which is incredible. Alright? So that's what we're trying to work towards. But overall, in that trunk stage, we move on to getting rid of any bad debt, credit cards, anything like that.\n\nYou know, Zip pays. If there's no interest, it's still bad debt because you got debts. Bad debts is essentially debt that you can't deduct. So a primary place of residence is bad debt, to be fair. And then estate planning.\n\nSo lawyers, wills, power of attorney, stuff like that. So once we got those set up, then we start really accelerating that kind of stages where where the the overall process gets kinda sexy. I've seen those clients reach the stage within about five years after getting a private place of residence. So you're already you're in you're already kind of in the trunk stage. We just need to tidy up a few steps along the way.\n\nSo the next step would be looking at that branching out region where you really start accelerating borrowing money against equity so that you can build a portfolio that's all working harder for you. So that not only your share portfolio that you're building up, but let's say a property or commercials, property or factories, you know, you can you can really start generating some good income from that where you can maybe go part time or work as a great driver. And then, eventually, all the income that you're receiving from that, you will you'll be able to sustain yourself and your family off. So what's the point of working anymore? Alright.\n\nAnd then then the next kind of stage is the blooming stage. So you got all the branches out and you start blooming. All flowers open up, this is when you start retiring. When you stop when you start winding down from work, you've got enough to facilitate your lifestyle from income. This is where we get really sexy in our in our line of work where we try and and one of my favorite parts is we when you sell assets and when you start retiring, you gotta kinda wind everything up.\n\nWhat happens is you sell it, you gotta pay tax. You gotta pay capital gains tax, and that's nowhere near as beneficial if it passes at 30% instead of 50% capital gains tax discount. Right? So we work our ways to try and mitigate that liability as much as humanly possible with TTR strategies to the transition to retirement strategies, trust structures, self managed super funds that are in there as well. Any sort of Social Security strategies, if you can be in a position to utilize government pensions and things or Social Security benefits, they do it because it's the same tax dollar bills that you're paying for it in the first place.\n\nSo I highly recommend try to get as much as we can out of that as possible. And then after you've done all that that whole process, you get to the the seeding stage. And I like to think of financial freedom as or the your financial journey as a whole through your life as a circle because you've got the kids as well. Right? So when you get to that stage, you can reap the rewards of all your hard work, drop that seed down, and then your kids are essentially starting at the seeding stage again.\n\nAnd it's you know, they essentially have to brave the weathers and the storms and the floods and the rains and whatever else. But if there's a big canopy of a, you know, strong foundation over them, then it's gonna make it a lot easier in their lives to grow. Right? Does that make sense? Or beautiful.\n\nSo we're looking at this roots and trunk stage, looking at your goals and objectives. There's different fees for different strategies because different strategies mean more work. Right? So this this consultation is completely free, but I'll get to I'll get to the fees in a second. If you go skip down a little bit, you gotta meet our experienced team.\n\nThat's just a breakdown of how we started, what I told you in the beginning of this conversation. If you wanna put a pace to the name, I've got a lot more city miles on me than that. It's just very airbrushed. It can do magic. But, yeah, that's my that's me, Severiano Zato.\n\nSeveri is a lot easier. That's my titles and all the licenses and degrees and whatever else. I spent way too much money doing. But to put me in, fortunately, a position in, there's a little blurb about how amazing we are for each of us. Feel free to read that in your own time.\n\nMy business partner, Bart, he does already practice. He worked from the background and does a lot of the stuff that I hate, like the accounts and whatever else. So we work well together. And then there's a whole team behind us. Like I said, these are these are the advice team, but we behind every adviser, there's two admins, a power planner, and oversee support as well.\n\nSo you can imagine the team I think we got about 43 employees. The whole purpose of showing you that is to show depth of company so that, you know, if I'm not available for whatever reason, if you wanna reach out and just get in touch with me, have a chat or do an annual review, anything along those lines, just just a general catch up. I'm more than welcome to give us a call at any time. But if I'm not available and it's important, there will always be someone there to help you out. K?\n\nBeautiful. The next is mostly compliance. They're compliant with the telephone call regulatory guides. We've we're we're legislated. We run our own Australian financial services license, the same license to that of the large insurance companies and big banks.\n\nUsually, when you've got a financial firm like ours, like, a little bit more boutique, usually, what happens is we work underneath an AFSL like, CommBank or Westpac or something. But part of the vision of being the most trusted financial planning firm in Australia is that I should be able to give my clients a recommendation of whatever products in their best interest. Right? That's kind of how it works. But if I'm licensed on the CommBank, I'm sure they wouldn't be very happy about me recommending a BT product, which is a Westpac product.\n\nRight? So so it's not really when you license on those bigger banks, it's I've been in the industry for a while. You you notice that 99.99999% of the time, advisers that work in banks are all licensed under the an AF certain AFSL. They are more than more than likely, almost every time, recommending their principal AFSL's products because they get commission and kickbacks and KPIs. We didn't want that because we wanted to be able to recommend any product on the on the planet.\n\nAnd we applied for our own ASL. I think about my the second second youngest firm to get approved of actually going through the asset routes and getting getting your ASL from starting from scratch. Right? Which was pretty pretty good achievement based on experience and whatever else. But that's a little bit of a breakdown on what the we what our license is and that's that AFSL.\n\nBut within that, we are regulated under the Corporations Act, ASIC, APRA, absolutely everybody under the sun to make sure that we can't run away with your money or wander us or anything like that. Okay? And then how to connect with us is a little bit more about our information of compliance manager. That's essentially myself and Bart. There's our advice team and nice little picture.\n\nAnd the next kind of little bit is what I call OVA. Just this idea came up with where it's a proud collaboration of expertise. So even though I've got all the qualifications to be able to be an accountant, had all the education and know how it works, I'm not registered with the tax practitioners board because of that. I couldn't think of anything more boring or worse than being an accountant. Right?\n\nSo so that for that reason, I'm not an accountant. And I could and I don't submit past tax returns. So I leave that up to accountants to do. So and there's nothing worse than referring an existing client that you've done the strategy for and built a relationship with like yourself, let's say. And I you say, look.\n\nI don't like my accountant. They haven't helped me out at all. So I'm gonna pass this over. I'm gonna pass this over to, you know, I'll pass this over to such and such Joe Soap to look after your account where accounting works, and then he drops the ball and completely stuffs it up. Right?\n\nThen it just looks bad on me, and you probably it leaves kind of a sour taste in your mouth with somebody that's actually doing the right thing because of that referral. So I like to work with people that I know are fairly diligent and good at paid jobs like we are, And those are those firms, the QCA is an accounting firm that we're partnered with. Gold Coast Wealth is Brooke Jurasic. She's a really well known mortgage broker. She's she's amazing at what she does.\n\nShe can she can get a loan made out of anything. And as far as I'm concerned, FIO is more like commercial lending and more specialized kind of services for lending money. And then Kate Taylor Associates is accounting and law, and then Gold Coast accounting is in that group as well. We don't get any kickback for anything. No referral fees.\n\nIt's just I just like the way they work, and they like the way we work so that we join together. So you've always got services that we can refer you over to. That makes sense. Beautiful. Now that's that document done.\n\nYou can have a read through to be struggling for the next document to be fair. If you go back to the email, go to the third attached document, the twenty twenty six Oakview Financial Services Guide. Open that up. This is the compliance. I'll fly through it.\n\nThat AFSL number that I was talking about, next to our ABN, it's over there. So 513068. You can search us up on ASIC. There's our address. If I run away with your money and you wanna break my knees or something like that, that's where you can find me.\n\nThe and as well as our, you know, phone numbers and everything else. Now the purpose of this FSG, I'll just go through each step. So number one, purpose of it is to make sure that we can do what we do legally. Give advice about money and then it's about the next step is what does that advice entail. Right?\n\nAnd what about if, you know, you've got a complaint? I run away to The Bahamas and start drinking pina colitis with your money. Wouldn't be very happy about it. Right? What do you do?\n\nSo that's that's all included in this document. So who we are I'll get to that in a second. But who we are, we because we run our own Australian financial services license, license number 513068, That means we can give advice on absolutely anything anything you want. It doesn't bother me. But we do have to put a disclosure of a lack of independence because we essentially aren't independent because we get commissions from other company sources, like commissions from insurances, stuff like that, and we also regulate on the aspect.\n\nSo we can't really say that we're independent. It's just a stupid thing that lawmakers thought was a good idea and put in the corporations act a long time ago, but doesn't really mean anything. But it's more importantly if you skip down to the services we provide. Number four, let me know when you're there. Yep.\n\nSo this is what I meant by anything. So we can give advice across the entire scope of deposits and payment products, the base deposit products like high interest savings accounts, stuff like that. Any and any government debentures or stocks or bonds, ETFs, direct equities, long term, short term bills, and government wants to build a bridge and they want private funding. You agree with those kind of government dimensions we can give advice on. Any and all life insurance products, but not general insurance.\n\nSo investment life insurance products, which is, like, endowment policies, term of life investments, things like that, as well as any sort of life risk insurance products, so life, TPD, income protection, business expenditure, and trauma. After that, any and all managed investment schemes, so this is like private equity funds. If you you wanna group together with the boys around the barbecue and you decide to build a low rise and or pull your money together in a trust, we can give advice on that. And then if you just but if you just wanted to invest in a portfolio yourself, like your current share portfolio, It's if you wanna use a platform, we can give advice on all those shares as well as an IDPS, invest direct portfolio service that we manage. It's highly up to you.\n\nAny and all retirement savings products, account based pensions, as well as TTR pensions, and anything in between, or any and all securities including foreign exchange as well as superannuation. And under that need that, there's two kind of hidden things that because I'm you're speaking with myself, we can you can have access to it because only myself and Bart's actually licensed to give this advice, but that's self managed super funds as well as margin lending. So borrowing from a property to buy shares. Does that make sense? Yep.\n\nSo pretty much anything. Anything you want along the financial scope, just give me a call. That's what I'm here for. Then we'll make it up. Alright?\n\nFive, how we provide advice. We'll go through this contact call, then we'll book in the time, maybe two weeks time, to go through the statement advice and the recommendations. From there, you can either say, nah. Go away. And that's it.\n\nCall it a day. Wish you all the best. But if you do proceed and you see the value in our services and advice provided, then you'll sign ongoing well, a HCP authority to proceed and all the documents, and then we'll set everything up and implement everything, do all the legwork as part of that fee. And then keeping you on track, we do quarterly updates and full comprehensive annual reviews every year with yourself to make sure that we're still on track for your goals. Yep.\n\nNow the fees and charges. So we are professional service. We do charge a professional service fee. You know, you somehow, you need to pay back all those university degrees, which is almost a masters, but we like to be fair as well. So we we like to set up these fees and engagements for what the work involves to set up a statement of advice.\n\nSo a statement of advice is a big scary document that we have to do legally to give any personalized advice, have it, you know, pen to paper. Now different if we're looking at, let's say, an investment strategy like leveraging against your property, there's a lot of work involved there. So we do charge a letter of engagement fee, but the it depends on what service you're looking for. So from your goals and objectives, we've identified that we we you wanna have a look at your super and insurance. That's complimentary.\n\nWe'll draw up a statement of advice. If you only wanna scope those in, we'll draw up a statement of advice for free so that we can show you value. And then moving on, once you come on board as a client and you see the value in those services, we don't charge any upfront fees from then on. K? However, if you do wanna have a look at that cash flow and budgeting or debt repayment strategies and pay, you know, more towards the mortgage, we can strategize that and plan that out and stick that in.\n\nBut there is gonna be a $16.50. So $1,650 implementation fee to get that process started to draw up that statement of advice just because it's a lot more calculations and work. And then if you wanna go a little bit more sexy into the branching out, it's $2,200. But from just this just to get started, for you to save money, and I'll probably go the root section because you don't pay anything out of back pocket. And when you do pay something for our work, it will be taken out of super.\n\nThat way you can see if it's actually worthwhile coming on board. Right? Instead of paying $161,650 bucks for saying, yeah, you should put money into a mortgage offset when you're already in the process of refinancing anyway. You know what I mean? So if you're happy with just, you know, getting complimentary letter of engagement, complimentary statement of advice, and just make sure that we can actually provide value, then I'll go the roots if you're happy with that.\n\nYep. Yep. Well, that that that's Yeah. Oh, no. So so what I'm saying is sorry.\n\nI might might have not explained that correctly. So just to get the statement of advice started depends on what you want in the statement of advice. So if you only want to look at the super and insurance at the moment, I can draw that up complimentary, and we'll go through it. And you if you don't like if you don't like any if you don't like the outcome or you don't like the service or the projections that we can put forward or show value, we we don't get you in a better position, then you can say you don't wanna proceed, and then you don't pay us a cent. But if you do proceed for any of the strategies, there's an implementation fee that's taken out of super.\n\nWe can charge it out of your super fund. That's $4,950 for the document. But when you're looking at the root section, we prepare that document, which takes a lot of time and money and wages and all the rest. We can prepare that for super insurance for free to show that there is value in coming on board in the first place. Yeah.\n\nYeah. You know what I mean? Yeah. No. That's alright.\n\nLet me know if you have any questions or anything. You know, it's just it's more about just making sure you you know what's going on as well. So if I was in but if I was in your position, I would get the complimentary statement of advice because I don't see the value in paying paying $1,650. So $1,500 plus GST for just saying, yeah, put this much money into an offset account when you're already in the process of doing that. You know what I mean?\n\nSo we can do that statement advice for super insurance. And once you come on board, if you do see the value in our services and come on board, we will take you through all the rest of the stages without any implementation fee because you're already a client. So part of that involves a statement of advice ongoing fee. So if we manage your superannuation and we manage your assets or share portfolios, we charge a tiered structure percentage base. And there's two ways that we charge an ongoing fee.\n\nThat ongoing fee is either, you know, flat based, where every time we get in touch with you or every I like to call it the lawyer way. I hate it. But it's like, you know, every time that I send you a as an email or every five minutes of my time, I'll every staple and every piece of paper we send out, everything, I'll send you a big juicy invoice to pay it back. Right? And, you know, even if it's five minutes of my time, we would charge an hour because it's taking it's taking another that hour.\n\nAnd my time's not that cheap. So for that reason, that kind of fee structure for an ongoing service, I don't agree with because it directly conflicts with our vision of being trusted. You know, if you wanna if you to be the most trusted financial planning firm, we need to speak to each other. We need to have rapport, and you need to be able to trust me. The way we build that is by speaking to each other.\n\nRight? But if you know that you're gonna get a big juicy invoice every time you speak to me, you're not gonna wanna speak to me that often. Right? So for that reason, we charge a percentage based fee. For your assets, it'll be 1.65% ongoing.\n\nJust means that I've just got more incentive for me to make you more money because I get paid more. And if you lose for whatever mark happens in the market, then I get paid less. I think it's fair. Is that yeah. Correct.\n\nNo. So so so that's just your superannuation. Only assets that we manage. So we're not managing your properties or anything. So it's just gonna be if we give advice on super insurance, we'll just be the super fund.\n\nYeah. Correct. And we can charge 1.65%, so 1.5% plus GST. But then when you get to $200, so hopefully, we get you there as quick as possible, then the fee drops between two two hundred thousand to 500,000. The fee drops to 1.375.\n\nSo, essentially, 1.25. It's 1.5%, 1.25, one, and then one point 0.75 tiered up, but then our GST is what those numbers are. Correct. Correct. So it's your funds, whatever the fund balance is, it's an annual fee, but deducted monthly.\n\nSo, you know, if you've got let's just say you got a 117 at the moment. Right? So a 117,000 times that by 0.0165. That's $1,930.50 a year. And then you divide that by 12 because there's twelve months a year.\n\nSo that would essentially be a $160 of the funds in a year, every in that month. And then the next month, the first of next month rolls around, and let's just say you got a 120,000 because it's grown by $3 or a 150,000. Whatever it might be, we'll do the same calculation divided by 12 to deduct that monthly. So the reason why we do it that way is that it it evens up the volatility in the market. Whereas if we deduct it from an annual basis, you know, that might be the peak of the market.\n\nAnd then if it goes your portfolio goes up, withdraw the funds there, and then the the market crashes, it's over the year, it's not gonna be 1.65%. It's gonna be significantly more on an average, if that makes sense. So we try and even it out so that we can utilize more compounding return for you. Yep. Yep.\n\nYep. We can deduct everything out of super so that you don't pay anything out of your back pocket. It's the bit it's the most tax effective strategy because you only pay 15¢ on the dollar going into super. At the moment, you're paying, you know, 37, 39 Medicare, all include Medicare. So so and then you don't feel any weight off your back pocket, especially in your position with two kids.\n\nYou know what I mean? Does that make sense? Do you have any questions about that? Or yeah. Beautiful.\n\nNo questions. Wanna make sure that you don't get any surprises when we do present the statement of advice. And just so you're aware, when we do the calculations and projections for super, we take into account all these fees as well as the as well as inflation. So it's gonna be that result's gonna be in the in today's dollars value. Cool.\n\nNo questions? All good? Yeah. Go for it. Well, it depends.\n\nWe we've got an ASL. We can recommend I can recommend from Sunsuper all the way up to, I don't know, some Nigerian pension fund that invests in lemon trees in Zimbabwe. Like, we can we can literally invest in anything. At the moment, our largest book is with either Netwealth or one of the retail funds because we've because you got quite a we've we've grown for quite a while, and we've got to a position where we've we're the only company that's got a BlackRock backed SMA in the whole country, and this is gonna remain that way. So BlackRock and our investment philosophies align.\n\nSo because of that kind of, you know, market movement and that sway, we can get deductions on certain platform fees. Also, you'll find that retail funds with access to direct equities and, you know, all sorts of weird and wonderful investments and a really sophisticated platform that does aggregate trading to minimize brokerage and all that stuff, we can get for more often than not cheaper in terms of administration investment costs than your standard industry fund, like Zebra or Australian Super or whatever. So so we we so it really depends. No. No.\n\nNo. We well, you're paying yeah. Absolutely. You're paying us paying us for a service. That's a service.\n\nYep. Yeah. We do all the leg work. We we will make all the rollovers happen. We'll do the sell downs.\n\nWe'll do the investments, the reinvestments of any super contributions coming in. But when it comes to the product, I just have to find out if it's suitable for you because that's the one of the one of the hard things with running your own license and being able to recommend any product on the planet is that exact thing, being able to recommend every any product on the planet. So with with with an endless amounts of options, we need to make sure that what we're what product we're recommending for you is the most affordable, but it also gets you to a goal of that $1,500 a week. And whatever product that is, I don't care. It doesn't bother me.\n\nBut it's just whatever that product is, it's probably gonna be an Australian retail fund that's listed or something along those lines that we know has good backing. It's not gonna go bust anytime soon, things like that. Does that make Yep. Yep. Exactly.\n\nRight. We will we will send you out a what's called a Superchoice nomination form, and we'll get we'll go get you we'll send that out by email and hard pack. We'll give you a real welcome pack. You can either have that form where that form will be in that hard pack, but we will also send it via email. All you have to do is forward it on.\n\nWe've got all the details in there, and they will start contributing to whatever super fund we recommend. Okay. So make sense? Beautiful. And what I can also do is give insurances regarding, say, life DPD as well as income protection.\n\nIf you want that, I can get that structured inside super as well. The only one we can't do is trauma. Trauma policies cover you gotta pay out of your back pocket, but it sounds like a trauma policy it covers things like heart attacks, cardiovascular disease, and which is which heart attacks are cardiovascular disease, and strokes and cancers. Big one. Cancers in Australia.\n\nSo if you want me to have a look at that, you can I can look at it? At your agent stage, it will probably be, like, between 10 and $20 a month. But just by speaking to you, I think I don't think it's I think it'll be more valued in utilizing those funds to put towards your mortgage offset. Yeah? Yeah.\n\nCorrect. And once you come onboard and you see the value and you do come onboard as a client, you you you have access to us. It's another thing about the percentage based ongoing fee. You're not gonna get invoiced for when you speak to me. So you can call me every day if you want.\n\nPreferably not, but, you know, you know what I mean. Correct. Oh, okay. So you've got income protection through through the unions. I'm I'm aware of it too.\n\nYeah. But Paid. Okay. So income protection is similar to that, but it can cover you all the way up to age 60, 65, or even five years. I might have it if it covers you for six months, let's just say you get in a car crash and you aren't able to work because of injury or illness for a year.\n\nWhat are you gonna do for the other six months? So what we can do is we can introduce a waiting period, Scott. So we can structure that policy that we're gonna recommend for you to have a six month waiting period. So for six months, you get paid by the union, cuts off, then we initiate the payment from the six month mark because of the income protection claim, and that'll cover you for another five years, let's say, or even all the way up to age 65 if you want. But I like five years because if you're gonna go back to use your duties of work for for more than five years, you're probably never gonna go back to work again.\n\nAnd you if you have TPD, it sounds like a TPD claim to me. So you get the best of both worlds. You know what I mean? So I'll show you. I'll work that out, and I'll calculate all that because overall goal is to make sure that you're insured for that enough, but not pay the nominal leg for it.\n\nRight? We wanna try and balance it out, especially if it's coming out as super. But, yep, that's a breakdown of the fees. We get we get to remunerated commission from insurance companies. The insurance company, if we write insurance or any sort of endowment policy or any sort of risk investments, we get paid commission on that.\n\nAll the commissions are same, 66% across all insurers. So we don't favor one over the other. It's just whatever is best for your risk rating and appetite in terms of your occupation. Last thing I wanna just touch on, we've got all the insurances you can ever imagine. Pay a lot pay through the teeth for them.\n\nBut last thing is point 11, complaints handling, and then just backfire with them. So the complaints handling. What happens if what was that example I used earlier? What happens if you give your super to us and we've we're managing and you find out you got no super in your account because I've run away with it to I think it was The Bahamas and pina coladas or something. I'm on the I'm in The Bahamas drinking pina coladas.\n\nRight? What do you do? Because you wouldn't be well, the first thing you do is you'd go through what's called an internal dispute resolution IDL and get in touch with the compliance manager of the Australian Financial Services license that that firm works under or is. That is me. But I'm gonna be in The Bahamas, drinking beer and collabs with your money.\n\nSo I probably wouldn't wanna speak to you, and you more than likely wouldn't wanna speak to me. So for that reason, Boss, my business partner, he's also a he's also a a a responsible manager compliance manager on the license. We have to be linked to it. And you'll get in touch with him, and you'll save save us a bit of dick. You ran away with my money.\n\nWhat do I do about it? And we will we've we've only had two complaints in almost ten years, so that's pretty pretty pretty good. But, yeah, we're pretty reasonable people. Please give us a call if you're upset about anything. We'll work it out.\n\nBut if for some reason we don't work it out, then you can go to what's called AFTRA, the Australian Financial Complaints Authority, and they essentially are like our ombudsman. They'll they'll come down on us like a ton of bricks and just make sure that everything's fair and reasonable and go from there. Okay? Makes sense? Beautiful.\n\nDo you have any questions about the financial services guide? Beautiful. The last thing I'm gonna do is I'm gonna shoot through a couple of questions regarding your risk profile, and then I'm gonna book in some time for us to catch up another couple of weeks and present you with some statement of advice, recommendations. K? So how would you describe your experience in understanding investment markets?\n\nWould you say that you've had a positive experience in the ETFs and the stuff that you've been buying, or would you say that you've learned risk and reward balance from negative experiences? Nice. Well done. Yep. Beautiful.\n\nYep. Gotcha. Medium risk. Well, that's why we ask these questions because we break it down to make sure that we do find the right appetite. Because now with when you're talking about risk, you got about four ingredients in the melting pot, if you would.\n\nThe agree the the four things is, one, your risk profile, what you come out of as from a quantitative qualitative to convert into a quantitative analysis. And from there, you also need to understand time horizon because time is literally risk. Time time equals risk. If you open up a Andex task, you're in front of the computer. Yeah?\n\nIf you go on to a new tab and you type in andex.com.au, let me know if you got that up. And extra chart. So click on the poster, and then there's a little magnifying glass, the top right corner of the of the actual poster. And I'll open it up. And then let me know when you're looking at that.\n\nIt's a bit juicy prop from '19 '50 all the way through those colors. Yep. So the blue line is a full Australian index. Top 300, ASX, S and P 300. Light blue lines, what you're in at the moment with super with Cbus, the my super balance portfolio, it's about 70% risk on, 30% defensive.\n\nNow it says green is long term bonds. As you can see, they haven't been doing too well lately. Then Graves Cash and CPI is the orange line. At the far left hand side, if you click on the little plus sign, you'll see the growth. If you invested a $100 in any one of these assets in 1950, what would it do if you had no acquisition costs, no taxes, and all incomes that you receive by way of dividend or distributions, we reinvest back in to that exact same index of all products.\n\nRight? So a $100 on the dark blue line, this is literally what we're talking about when you talk about time versus risk. So dark blue line is just straight shares, riskiest you can get, right, other than crypto probably, but back then, they didn't have that. So if you go along the line, the industrial kinda crash where the bank cards were launched in the mid seventies, that's the first kinda drop. That's a big one.\n\nNext one up is that the big sharp one in the eighties. You're looking at so I think it was '86, '87. That's when mister Jordan Belford's first day of trading went and they had black Black Friday. That is Black Friday, massive drop. A little bit closer to home, 2007 to 2009 is the global financial crisis.\n\nTo put in perspective, that big drop there for GSP was 62% of my Australian shares. So if you had a $100 in the S and P ASX three hundred, you'll you would have $38,000 left. Right? Not not ideal. But if you kept your cool and you kept so you only you didn't put anything more in, you didn't sell, it would have taken, I believe, five point five point four years to break even again.\n\nSo that's what we're talking about when talking about time horizon. So if you draw a line from the top point across, so one, two, three, four, five, and a bit, it was it was four it was five point four, not five years and four months, but five point four months of years to be able to get you a 100 back. So even in the riskiest assets, if your investment time horizon is ten years, then you can you can essentially take as much risk as you like because you're looking at about a six year time horizon for a full growth portfolio. Does that make sense? Or little bit.\n\nSo, yeah, that's the that time horizon is really important. When we're looking at your super, you've got thirty years. This is over thirty five. Well, this is over thirty years. And to just show you the compounding power, compounding return of you know, essentially, this is 2.5% CPI as well, but a $100 in the s and p 300 would be worth $362,654, 11.5% return every year on average.\n\nRight? And it shows you the different aspects. I would looking at your time horizon, not only that, we also need to take the other two into accounts, which is risk tolerance and risk capacity. You have capacity to lose money, make it back. And not only that, you're tolerant.\n\nSo, like, you know, that's that's actually one of the next questions I have. So what let's talk about that. So your so investments go up and down in value. It's called volatility, and you we need to understand your your tolerance to that volatility. Right?\n\nSo how much could your investment drop and say super? If it how much could it drop in value over a year before you start feeling concerned and anxious? Would you say more than 50%, up to 50%, up to 25%, or up to 10? Beautiful. I'm yeah.\n\nAbsolutely. Absolutely. That makes sense. Because, yeah, the if you look at ratio, literally one 12 eleven point nine years. If you look at any portfolio, any product, any risk risk profile on the market or out there, you the most risky you can guess if you take from when markets began to almost twelve years.\n\nI like to say twelve years, but 11.9 is a ratio of one to 1.001. So you you essentially, even in the most risky markets on the planet, if you took an index approach, you would for for a time horizon of twelve almost twelve years, you would not lose. Okay? But based on that way, you'd how would you feel if in six months after investing, you find out that your portfolio in supers decreased by 20%? What do you do?\n\nWould you, one, invest heavily, expecting future return? Over the longer term, would you, two, invest modestly to hopefully get a bit of a return? Or would you, three, hold and wait a proof of not speaking to your financial professional? Or four, tell me to get stuff to move everything to cash? I've dropped 20 in six months.\n\nYeah. Okay. Emotional bias. Yep. That's emotional bias.\n\nYep. Man, we are gonna get along just fine. That is exactly right. Yep. Yeah.\n\nWhen we we people like us, we we we wait for big crashes, and, you know, COVID was a great example of that. Everybody's losing their minds, selling out, and we're just rubbing our hands, holding, going, please, please drop more because if everything's on sale, a fire sale. But you would you'd essentially just hold off and wait to speak to myself to tell me to ask me what to do. Right? Or would you just kind of wait till it's at a really low point and then do it like, be open to putting some money in yourself?\n\nOh, just in yeah. Just in general. Both. Both. Either or.\n\nMhmm. Yeah. What's what's happening? Yep. Yep.\n\nYep. Okay. So would you would you would you say that, say, hold and wait improvements is probably the best answer for that one? Yep. Yeah.\n\nCool. And then if I yeah. If it's if it's got something to do with, like, you know, a southern worldwide pandemic, yeah, I would probably be hold off until we find recovery. So we also do active management just to give you peace of mind. So during that pain, for example, COVID, we sold all of our clients' growth assets down to 50% cash position about four days into the declared pandemic.\n\nAnd then about when we when I believe, a little bit later, about three weeks, three and a half weeks after the bottom of market, so during recovery, we've reinvested. We mitigated about nine between 79% worth of losses for clients just from our market movement. So we do a little bit of active management in your in the background as well. K? Alright.\n\nWhat kind of return? This is one of those stupid questions, but what kind of return do you expect to achieve with investing with us? 18% and above, 26.8%, 34.6%, 42.4%, or five zero point two percent. I'm gonna say the most much as possible. Right?\n\nYeah. You'd think so. Yep. You'd hope so. And how much or next question is I'm gonna ask that for you because what kind of income do you expect to receive from your investments?\n\nThis is more for older clients. So, you know, one's capital growth only, no income. That's what we want, and that's what you want in this accumulation phase because yeah. You you you just have to pay 15% tax on super or if it's in your personal name. It adds on to all income.\n\nIt's added on to your taxable income whether you reinvest or not. So you just wanna accumulate the biggest pool as possible in an environment like Super so that when you get to actually drawing down on it or receiving an income on a larger pool, which means more income, you wanna be you want it to be as tax effective as possible. Right? At the moment, while you're working and before the age of preservation with super, it's not gonna be coming from by way of income. So we wanna try and get growth assets and accumulate as much growth in the actual stock value than actually receiving income that comes later.\n\nOkay? Does that make sense? Okay. Perfect. Now we're we're there's something we worry about when we get to the age of fifty fifty five.\n\nAlright? Now have you thought about taking out a loan to invest? Last two questions. Have you thought about taking out a loan to invest? Would you say, one, you have borrowed or open borrowing open to borrowing like a margin loan for stocks and managed funds?\n\nWould you next is have you have borrowed or open to borrowing for investment property, but not stocks? Or two or the third one is you're only happy to borrow for a private place of residence, and that's it. Would you borrow for a that's alright. Correct. But that's for an investment property.\n\nRight? Would you be open or would you ever consider borrowing against, say, property or equity to be able to buy shares? Gotcha. You what we could do, if you're going through a refinance, see if you can release more equity for investment purposes, because then you could just release another $50,100 grand and put in put in a share portfolio. Well, we we can do that's part of the service.\n\nIf you're paying us, we can we can manage those. We could create a portfolio with that as well after we set the root stage up. So it's entirely up to you. But if you go yeah. But if you're going through that, you know, if you're going through that if you're going through that refinance stage, see if you can release another 50 k or something like that.\n\nJust just on top of what you're already pulling up because we already found out that you still go, you know, you you still got a 150 to a $170,000 worth of equity that you can release, essentially. So definitely something to look into. But just food for thought. But, yeah, you'll be open to borrowing stocks and funds. And based on the way that you answered that question, how would you feel, you know, personally, about taking out money to invest?\n\nWould you say that you're, one, comfortable borrowing for investments, but aware of are aware of the risks? Would you say that you're somewhat comfortable and kinda cautious? Would you say that you're really hesitant in doing something like that, or you say you're tempted to do it? Yeah. Go somewhat.\n\nBeautiful. May you call it as a high growth investor? You I think that's if anything, I think you could even take more risk. But just by the way, you kinda described yourself as a moderate risk taker before we kinda went through this. I would be inclined not to take a full a 100% pedal to the metal.\n\nWe can even gear stuff. We can we can do, like, leveraged assets as well. I wouldn't be going that far. You do have the time horizon for it. Like, you know, we're working with thirty years here, so it it would work based on time versus value and return.\n\nBut you're gonna see high volatility. You're gonna see you know, if you if you go in something like that, you can easily see 20%, like, ups and downs. So, you know, it's I would be inclined to take a high growth a high growth kind of approach. What that means is somewhere in the realms of either 10 to, like, ninety ninety to 98% invested into assets between all assets like shares, commodities, gold, infrastructure, all that stuff, even property, arrears and rears, and then another between 10 to 2% worth of defensive assets. Probably the ninety ninety twenty split's kind of a good one for you because then at least if the market's full, you still have some exposure to bonds and fixed interest assets and defensive assets, which essentially, you know, will will halt prop your portfolio up, and you won't lose as much if it were to fall.\n\nAnd that'll prevent you from getting those 20% swings. So would you be comfortable with something like that? Or yeah. I think you're taking somewhere it's last time I checked SeaBus was somewhere in the eighty eighty twenty split. So just taking a little bit more aggressive approach because of the time horizon we're working with, but still having a bit of exposure to defensive assets.\n\nIf you're happy with that, man, I'm happy with that. I think that's perfect for you. Well, man, it feels like we've been yeah. Oh, thank you, man. I appreciate the confident vote of confidence.\n\nI can tell you I would be definitely going to you to drive a crane. I wouldn't have a first idea about doing that. That's what makes it all go wrong. Right? But, yeah, look.\n\nWhat's the what I've noticed is that, you know, again, doing this for as long as I have, I've noticed that over time when you start building that rapport and that relationship with each other, you you start feeling more comfortable in, you know, our our our capacity and what we know. And what happens is that risk profile usually goes up quite considerably over time. We do a new one every year. And oh, yeah. I've I've I've had, you know, clients that were started off in a moderately defensive portfolio.\n\nYou're talking, like, you know, 55 45 split. And now they are leveraged to their eyelids because they just they see the value in deducting investment debt as well as the return on it at the same time. So we're gonna build that relationship moving forward as well. Beautiful. But other than that, mate, that's pretty much concludes that concludes our initial consultation.\n\nThank you for your time and patience, mate. I've got a fairly good idea of what you wanna achieve and how we're gonna get you there. Now the last thing I wanna do is book in some time in a couple of weeks. When is a good time for you? Does this time kind of suit you, or would you prefer another time?\n\nOr yeah. Yeah. No. That's alright. Well, what about let's have a look.\n\nThe or fifteenth. What about Tuesday, the fifteenth? Or what about Wednesday, the sixteenth? Was that is Wednesday a good day for you? Or yeah.\n\nCorrect. Yeah. No. That's alright. That's alright.\n\nSo Oakview Financial, I'm gonna send you Beautiful. Now Oaktree Financial. I'll send you out a calendar invite, mate. You can you can actually within that invite, I'm pretty sure you can propose a new time just for some reason doesn't con it's complex or something. But either way, I'll tentatively lock it in then, and then I'll get to work, put together recommendations for your super insurances, make sure you're covered, make sure you're growing better, and getting to that goal of, say, a thousand to $1,500 a week by the age of 60.\n\nBut I'll work with that at the moment because you can only access super at that age. And then from there, we can you know, once we get that, do you see the value in our services compared to c bus, obviously? And then as a kinda comparison projection table, I'll kinda compare one with the other, make sure that you see even net of fees that we can get you in a better position if we can. If we can't, I'll just give you a call and just say, hey, man. No.\n\nIt's there's no points, and the only person that's gonna win out of this if you go ahead is me because I'm gonna get paid, but you're not gonna be in a in a better position. So there's no point to coming aboard. You know what I mean? Beautiful. Well, yeah, I'll send you out an invite, mate.\n\nAbsolute pleasure. I'll speak to you in a couple of weeks, Brodie. But if there's anything else you need, don't hesitate to reach out. Alright? You got our 1300 number there in my email as well.\n\nNo worries, mate. Speak to you soon. Enjoy your day. Bye.","paragraphs":[{"sentences":[{"text":"Caden.","start":1.04,"end":1.54,"sentiment":"neutral","sentiment_score":0.011961045674979688},{"text":"Caden.","start":1.92,"end":2.42,"sentiment":"neutral","sentiment_score":0.010309110395610332},{"text":"What, man?","start":3.9199998,"end":4.66,"sentiment":"neutral","sentiment_score":0.028861286118626595},{"text":"Amazing.","start":5.7599998,"end":6.16,"sentiment":"positive","sentiment_score":0.41185224056243896},{"text":"What did he say?","start":6.16,"end":7.14,"sentiment":"neutral","sentiment_score":0.0861209649592638}],"sentiment":"neutral","sentiment_score":0.09292542541192637,"num_words":9,"start":1.04,"end":7.14},{"sentences":[{"text":"No.","start":12.08,"end":12.32,"sentiment":"neutral","sentiment_score":-0.13920170068740845},{"text":"That's right.","start":12.32,"end":12.719999,"sentiment":"neutral","sentiment_score":-0.03987227380275726},{"text":"Please put him through.","start":12.719999,"end":13.78,"sentiment":"neutral","sentiment_score":0.07121767848730087},{"text":"Brody, mate.","start":18.375,"end":19.095001,"sentiment":"neutral","sentiment_score":0.10562580823898315},{"text":"David Zotto speaking.","start":19.095001,"end":20.135,"sentiment":"neutral","sentiment_score":0.09513060003519058}],"sentiment":"neutral","sentiment_score":0.046880656853318214,"num_words":12,"start":12.08,"end":20.135},{"sentences":[{"text":"How are you?","start":20.135,"end":21.035,"sentiment":"neutral","sentiment_score":0.11738634606202443},{"text":"I'm well, man.","start":23.015,"end":23.735,"sentiment":"neutral","sentiment_score":0.210744246840477},{"text":"I'm well.","start":23.735,"end":24.135,"sentiment":"neutral","sentiment_score":0.2445138841867447},{"text":"Thank you for asking.","start":24.135,"end":24.935001,"sentiment":"positive","sentiment_score":0.4085710942745209},{"text":"May this is entirely on me.","start":25.255001,"end":27.494999,"sentiment":"neutral","sentiment_score":-0.004231254880626996}],"sentiment":"neutral","sentiment_score":0.1712397997164064,"num_words":18,"start":20.135,"end":27.494999},{"sentences":[{"text":"I I thought that the appointment was at, 10:00.","start":27.494999,"end":30.535,"sentiment":"neutral","sentiment_score":-0.16969595021671718},{"text":"I've been sitting on my computer since 09:00 this morning, dropping the kids off, and then I've just been literally looking at your research and plotting away, and I have no excuse other than believing for some reason that it was 10:00.","start":30.535,"end":43.46,"sentiment":"neutral","sentiment_score":-0.25356299501089824},{"text":"You should see my appointment's not and then I do Now I apologize completely.","start":43.6,"end":47.805,"sentiment":"neutral","sentiment_score":-0.23591766399996622},{"text":"That is entirely on me, and I've got no excuse, to be honest.","start":47.805,"end":50.705,"sentiment":"neutral","sentiment_score":-0.3121587702861199},{"text":"Beautiful.","start":53.085,"end":53.585,"sentiment":"positive","sentiment_score":0.3729113340377808}],"sentiment":"neutral","sentiment_score":-0.24259378883657576,"num_words":79,"start":27.494999,"end":53.585},{"sentences":[{"text":"Now I understand you already spoke to my colleague.","start":53.725,"end":56.465,"sentiment":"neutral","sentiment_score":0.08414266506830852},{"text":"Madison, you've gone through a bit of a fact find.","start":56.525,"end":59.005,"sentiment":"neutral","sentiment_score":0.04049667865037918},{"text":"Again, as part of this call is just, obviously, introducing myself, getting a better understanding of yourself, you know, your goals, your objectives, what what the reason why you're reaching out to us.","start":59.005,"end":70.229996,"sentiment":"neutral","sentiment_score":0.06675110373533133},{"text":"And and then from there, we'll we'll essentially go through once I know a little bit more about you.","start":70.45,"end":75.665,"sentiment":"neutral","sentiment_score":0.046615762832133395},{"text":"I'll show you our financial services guide, our OPC services guide, and give you a little bit of an understanding about us and kind of identify where you are in the overall kind of financial freedom scope, if that makes sense.","start":75.665,"end":87.365,"sentiment":"neutral","sentiment_score":0.07171313237489724}],"sentiment":"neutral","sentiment_score":0.0642051349693377,"num_words":112,"start":53.725,"end":87.365},{"sentences":[{"text":"Beautiful.","start":88.200005,"end":88.700005,"sentiment":"neutral","sentiment_score":0.2837632894515991},{"text":"So, mate, let me know a little bit more about you.","start":88.76,"end":90.76,"sentiment":"neutral","sentiment_score":0.11550342020663348},{"text":"I've got a little bit of a rundown from the notes from Maddie.","start":90.76,"end":93.4,"sentiment":"neutral","sentiment_score":0.06300332339910361},{"text":"But, yeah, what what what brought you to reaching out to us?","start":93.4,"end":97.100006,"sentiment":"neutral","sentiment_score":-0.0039108859685560065},{"text":"Yep.","start":102.44,"end":102.765,"sentiment":"neutral","sentiment_score":0.0072083561681210995}],"sentiment":"neutral","sentiment_score":0.061411101064693774,"num_words":38,"start":88.200005,"end":102.765},{"sentences":[{"text":"Mhmm.","start":107.485,"end":107.645,"sentiment":"neutral","sentiment_score":-0.0023888805881142616},{"text":"Yep.","start":107.645,"end":108.145,"sentiment":"neutral","sentiment_score":0.007954543456435204},{"text":"Yep.","start":109.165,"end":109.645,"sentiment":"neutral","sentiment_score":0.007211571559309959},{"text":"Construction and building.","start":109.645,"end":110.685,"sentiment":"neutral","sentiment_score":0.006328988199432691},{"text":"Yep.","start":110.685,"end":111.185,"sentiment":"neutral","sentiment_score":0.01967393420636654}],"sentiment":"neutral","sentiment_score":0.0073483047474707875,"num_words":7,"start":107.485,"end":111.185},{"sentences":[{"text":"The soil.","start":118.94,"end":119.68,"sentiment":"neutral","sentiment_score":0.06610802747309208},{"text":"Yeah.","start":122.22,"end":122.72,"sentiment":"neutral","sentiment_score":0.07184666395187378},{"text":"Yeah.","start":125.42,"end":125.74,"sentiment":"neutral","sentiment_score":0.07344415783882141},{"text":"Yep.","start":125.74,"end":126.24,"sentiment":"neutral","sentiment_score":0.06681666523218155},{"text":"Okay.","start":126.795,"end":127.275,"sentiment":"neutral","sentiment_score":0.06329154968261719}],"sentiment":"neutral","sentiment_score":0.06793584860861301,"num_words":6,"start":118.94,"end":127.275},{"sentences":[{"text":"Well mhmm.","start":127.275,"end":133.055,"sentiment":"neutral","sentiment_score":0.03771333582699299},{"text":"Yep.","start":140.955,"end":141.275,"sentiment":"neutral","sentiment_score":0.026356901973485947},{"text":"Yep.","start":141.275,"end":141.515,"sentiment":"neutral","sentiment_score":0.027369238436222076},{"text":"Okay.","start":141.515,"end":142.015,"sentiment":"neutral","sentiment_score":0.019515879452228543},{"text":"Yeah.","start":142.18001,"end":142.42,"sentiment":"neutral","sentiment_score":-0.01211482472717762}],"sentiment":"neutral","sentiment_score":0.022758977798124153,"num_words":6,"start":127.275,"end":142.42},{"sentences":[{"text":"It is a bit slow looking at your primary place of residence debts.","start":142.42,"end":144.98001,"sentiment":"neutral","sentiment_score":-0.1787294648014582},{"text":"That's 470,000.","start":144.98001,"end":146.82,"sentiment":"neutral","sentiment_score":-0.13385573029518127},{"text":"And then you also got the the missus car.","start":146.82,"end":149.0,"sentiment":"neutral","sentiment_score":-0.08181014077530967},{"text":"So, yeah, with insurances, they just this one of those things you pay all this money for the best outcomes, nothing happens.","start":149.06,"end":156.44,"sentiment":"neutral","sentiment_score":-0.0879572436044162},{"text":"You know, if nothing happens, you live a happy, healthy life, and that's great because you don't have to claim on anything severe.","start":157.44499,"end":161.86499,"sentiment":"neutral","sentiment_score":0.14567905340505682}],"sentiment":"neutral","sentiment_score":-0.02770908552127472,"num_words":69,"start":142.42,"end":161.86499},{"sentences":[{"text":"But if that's the case, then you don't get a refund for the premiums you paid your entire life.","start":162.325,"end":166.245,"sentiment":"neutral","sentiment_score":-0.25100086276468475},{"text":"So it's a horrible financial decision if nothing happens, if the best outcome happens.","start":166.245,"end":170.93001,"sentiment":"negative","sentiment_score":-0.6380279787949154},{"text":"Right?","start":170.93001,"end":171.43001,"sentiment":"neutral","sentiment_score":-0.10890721529722214},{"text":"So we need we need to when it comes to insurances, we do we do the full scope of work.","start":171.57,"end":176.29001,"sentiment":"neutral","sentiment_score":0.004005241580307484},{"text":"So super as well as insurances all the way up to, you know, marginal lending against properties for shares.","start":176.29001,"end":181.25,"sentiment":"neutral","sentiment_score":0.04771346481222855}],"sentiment":"neutral","sentiment_score":-0.1756665020262542,"num_words":73,"start":162.325,"end":181.25},{"sentences":[{"text":"We can do pretty much anything on the financial scope.","start":181.25,"end":183.83,"sentiment":"neutral","sentiment_score":0.06244044899940491},{"text":"That's all we're licensed to do.","start":184.26501,"end":185.725,"sentiment":"neutral","sentiment_score":0.14789490401744843},{"text":"And I guess it's it's it's nice to know that we're getting referred over from word-of-mouth, so we must be doing something right, which is nice.","start":186.18501,"end":193.485,"sentiment":"neutral","sentiment_score":0.3091401807390727},{"text":"But, yeah, you you're looking at your looking at your liabilities, mate.","start":194.425,"end":197.54501,"sentiment":"neutral","sentiment_score":0.0541124758310616},{"text":"You you it looks like you're underinsured.","start":197.54501,"end":199.565,"sentiment":"neutral","sentiment_score":0.009761324326973408}],"sentiment":"neutral","sentiment_score":0.16831307530452758,"num_words":61,"start":181.25,"end":199.565},{"sentences":[{"text":"But keep in mind, you've also got the super balance that would get paid out in your event passing as well.","start":199.785,"end":204.56,"sentiment":"neutral","sentiment_score":0.0897910146131402},{"text":"So that 200 and 8,000 plus the $1.20.","start":204.56,"end":207.36,"sentiment":"neutral","sentiment_score":0.04206482041627169},{"text":"Yep.","start":207.36,"end":207.86,"sentiment":"neutral","sentiment_score":0.07043589651584625},{"text":"Beautiful.","start":214.565,"end":215.065,"sentiment":"neutral","sentiment_score":0.20989634096622467},{"text":"Beautiful.","start":216.565,"end":217.065,"sentiment":"positive","sentiment_score":0.7249619960784912}],"sentiment":"neutral","sentiment_score":0.10085700324270874,"num_words":32,"start":199.785,"end":217.065},{"sentences":[{"text":"Yep.","start":217.36499,"end":217.86499,"sentiment":"positive","sentiment_score":0.43576622009277344},{"text":"Mate, that's a very good plan.","start":239.215,"end":240.89499,"sentiment":"positive","sentiment_score":0.7641494671503702},{"text":"Very good plan.","start":240.89499,"end":241.95499,"sentiment":"positive","sentiment_score":0.7322123646736145},{"text":"Alright.","start":242.015,"end":242.415,"sentiment":"neutral","sentiment_score":0.2001718133687973},{"text":"So once you retire, late late fifties on shares, and then you when you hit that preservation age of 60 years old at the moment, don't know what the government will change it to by the time we get there.","start":242.415,"end":255.03,"sentiment":"neutral","sentiment_score":0.01767047168686986}],"sentiment":"neutral","sentiment_score":0.1592998195658712,"num_words":51,"start":217.36499,"end":255.03},{"sentences":[{"text":"But, yeah, when you get to age 60 at the moment, it's preservation, so you can start living on that super.","start":255.03,"end":260.81,"sentiment":"neutral","sentiment_score":0.12148994828263919},{"text":"I guess my next question is we've got the time horizon that we're working with.","start":261.51,"end":265.27002,"sentiment":"neutral","sentiment_score":0.03784247674047947},{"text":"So what would you think would be a reasonable amount to live on?","start":265.27002,"end":268.875,"sentiment":"neutral","sentiment_score":0.047001746124946155},{"text":"Have you ever thought about that?","start":268.875,"end":270.07498,"sentiment":"neutral","sentiment_score":0.0030563101172447205},{"text":"Or so let's say yeah.","start":270.07498,"end":274.63498,"sentiment":"neutral","sentiment_score":0.003516819514334201}],"sentiment":"neutral","sentiment_score":0.06276451204903424,"num_words":60,"start":255.03,"end":274.63498},{"sentences":[{"text":"Or or in today's dollars.","start":274.63498,"end":276.315,"sentiment":"neutral","sentiment_score":0.00870996005833149},{"text":"So it's gonna be dollar for dollar.","start":276.315,"end":277.835,"sentiment":"neutral","sentiment_score":0.050829852265971046},{"text":"In future years, we'll take inflation into accounts and every calculation.","start":277.835,"end":280.815,"sentiment":"neutral","sentiment_score":0.03374811244959181},{"text":"But if it was in today's dollars and you're hit the age of 60, have you thought if you got no debts, no mortgage, no nothing, have you thought about what that number would be?","start":281.27,"end":290.47,"sentiment":"neutral","sentiment_score":0.01250190953058856},{"text":"Use usually, clients say about $1,000 a week is a good is a good amount with no mortgage and no liabilities.","start":290.47,"end":297.02502,"sentiment":"neutral","sentiment_score":0.09483265220409348}],"sentiment":"neutral","sentiment_score":0.040501778898171234,"num_words":79,"start":274.63498,"end":297.02502},{"sentences":[{"text":"That's about two to three overseas holidays a year with no dependents.","start":297.405,"end":300.86502,"sentiment":"neutral","sentiment_score":0.09743531234562397},{"text":"I know.","start":305.08502,"end":305.74503,"sentiment":"neutral","sentiment_score":-0.14965856075286865},{"text":"Yeah.","start":310.18,"end":310.34,"sentiment":"neutral","sentiment_score":-0.012921178713440897},{"text":"That is fair.","start":310.34,"end":310.97998,"sentiment":"neutral","sentiment_score":-0.018632350489497185},{"text":"That's fair.","start":310.97998,"end":314.75998,"sentiment":"neutral","sentiment_score":-0.08059956878423691}],"sentiment":"neutral","sentiment_score":0.031994462944567204,"num_words":20,"start":297.405,"end":314.75998},{"sentences":[{"text":"Yep.","start":330.595,"end":330.915,"sentiment":"neutral","sentiment_score":0.27316516637802124},{"text":"Yep.","start":330.915,"end":331.23502,"sentiment":"neutral","sentiment_score":0.2836552560329437},{"text":"Okay.","start":331.23502,"end":331.555,"sentiment":"neutral","sentiment_score":0.31962525844573975},{"text":"Well, just because you said that you splurge, let's go the higher end because it's a goal.","start":331.555,"end":335.475,"sentiment":"positive","sentiment_score":0.41774674285860625},{"text":"Right?","start":335.475,"end":335.795,"sentiment":"neutral","sentiment_score":0.22106432914733887}],"sentiment":"positive","sentiment_score":0.3904383161238262,"num_words":21,"start":330.595,"end":335.795},{"sentences":[{"text":"And so let's go, say, $1,500.","start":335.795,"end":338.41998,"sentiment":"neutral","sentiment_score":0.2257897530992826},{"text":"So if you're looking at $1,500 a week, there's fifty two weeks in a year, that's $78,000 in a year that we wanna try and achieve as a goal.","start":338.41998,"end":346.9,"sentiment":"positive","sentiment_score":0.3995683717316595},{"text":"Right?","start":346.9,"end":347.4,"sentiment":"neutral","sentiment_score":0.11781232804059982},{"text":"So what's your super tracking for, say, 800,000?","start":348.02,"end":351.865,"sentiment":"neutral","sentiment_score":0.08956396579742432},{"text":"Was it 800,000?","start":351.865,"end":353.085,"sentiment":"neutral","sentiment_score":0.0258026576290528}],"sentiment":"neutral","sentiment_score":0.2947649643855526,"num_words":47,"start":335.795,"end":353.085},{"sentences":[{"text":"Correct.","start":357.785,"end":358.285,"sentiment":"neutral","sentiment_score":0.13071662187576294},{"text":"Yeah.","start":359.305,"end":359.625,"sentiment":"neutral","sentiment_score":0.12543006241321564},{"text":"So it well, look.","start":359.625,"end":360.585,"sentiment":"neutral","sentiment_score":0.16926738619804382},{"text":"Let's work on what c buss's projections look like.","start":360.585,"end":363.15,"sentiment":"neutral","sentiment_score":0.13972312957048416},{"text":"We obviously wanna it's not really about our job's not really about looking at investments and portfolios and just getting the best return we can.","start":363.79,"end":371.22998,"sentiment":"neutral","sentiment_score":0.11794520974159241}],"sentiment":"neutral","sentiment_score":0.12848386596888303,"num_words":40,"start":357.785,"end":371.22998},{"sentences":[{"text":"There's always needs to be a philosophy or a a a purpose behind the investment Because for the fact of the matter is if you reach that purpose, let's say a certain number or what you want the money for to purchase something else, whatever that purpose is, if you can achieve that sell up, don't take the risk because you've achieved the goal.","start":371.22998,"end":388.98,"sentiment":"neutral","sentiment_score":0.11389265197794884},{"text":"That's what a lot of investors lose scope of that I've seen at least in my career.","start":389.06,"end":394.04,"sentiment":"neutral","sentiment_score":-0.2151379992856699},{"text":"So it's really important to kind of establish these goals.","start":394.1,"end":397.24002,"sentiment":"neutral","sentiment_score":0.05747040091082454},{"text":"So looking at, say, $1,500 a week to $78,000 in a year, let's just say a return of 5%, which is about, what, 65 basis points more than the cash rate at the moment.","start":397.38,"end":411.075,"sentiment":"neutral","sentiment_score":0.09718769766828593},{"text":"So net of fees, you know, fees about 11%.","start":411.135,"end":414.51498,"sentiment":"neutral","sentiment_score":0.047740255379014544}],"sentiment":"neutral","sentiment_score":0.0592576997535331,"num_words":134,"start":371.22998,"end":414.51498},{"sentences":[{"text":"So let's just say in a very defensive portfolio utilizing bonds, very safe investments, you wanna have a pool of money that can grow at net 5%, just for number's sakes, net 5% per annum so that you can be able to live on interest.","start":414.575,"end":428.96,"sentiment":"positive","sentiment_score":0.3345591268605656},{"text":"That's true financial freedom.","start":428.96,"end":430.41998,"sentiment":"positive","sentiment_score":0.39085258543491364},{"text":"Right?","start":430.48,"end":430.98,"sentiment":"neutral","sentiment_score":0.07600920647382736},{"text":"If you want $78,000 a year, divide that by 5% up, that means that we need a balance of 1,560,000.","start":431.435,"end":438.33502,"sentiment":"neutral","sentiment_score":0.11279601007699966},{"text":"So if you've got $1,560,000 in your overall share portfolio, super, whatever it might be, we can look at ways to kind of introduce that that share money into the super environment, which is really beneficial because everything over 60 is free, tax free, capital gains tax free, you know, whereas at all incomes only all incomes free as well after the age of 60.","start":438.39502,"end":459.915,"sentiment":"positive","sentiment_score":0.3593710744037078}],"sentiment":"neutral","sentiment_score":0.3134045947757032,"num_words":135,"start":414.575,"end":459.915},{"sentences":[{"text":"Whereas if you kept that shared portfolio in your personal name, it adds on to your taxable income.","start":459.995,"end":463.695,"sentiment":"neutral","sentiment_score":0.10669777376784219},{"text":"If it's inside super.","start":473.78,"end":475.24002,"sentiment":"neutral","sentiment_score":0.006178823299705982},{"text":"Yeah.","start":477.22,"end":477.62003,"sentiment":"neutral","sentiment_score":0.10483533143997192},{"text":"Correct.","start":477.62003,"end":478.02002,"sentiment":"neutral","sentiment_score":0.11777530610561372},{"text":"So you need any of those ways we can Okay.","start":478.02002,"end":489.135,"sentiment":"neutral","sentiment_score":0.07747586145997047}],"sentiment":"neutral","sentiment_score":0.08654836685780216,"num_words":34,"start":459.995,"end":489.135},{"sentences":[{"text":"Yep.","start":495.295,"end":495.695,"sentiment":"neutral","sentiment_score":0.051396697759628296},{"text":"Correct.","start":495.695,"end":496.195,"sentiment":"neutral","sentiment_score":0.06649438291788101},{"text":"Okay.","start":510.86,"end":511.36,"sentiment":"neutral","sentiment_score":0.029169157147407532},{"text":"Okay.","start":512.46,"end":512.96,"sentiment":"neutral","sentiment_score":-0.013591296970844269},{"text":"Yeah.","start":515.74,"end":516.22,"sentiment":"neutral","sentiment_score":-0.03700937330722809}],"sentiment":"neutral","sentiment_score":0.019291913509368895,"num_words":5,"start":495.295,"end":516.22},{"sentences":[{"text":"So it's well, it's not really 33%.","start":516.22,"end":519.41504,"sentiment":"neutral","sentiment_score":-0.037549516186118126},{"text":"So you get a 50% capital gains discount.","start":519.555,"end":521.97504,"sentiment":"neutral","sentiment_score":0.008062878856435418},{"text":"And if you were to retire, you sell that much.","start":522.195,"end":524.695,"sentiment":"neutral","sentiment_score":-0.03291383292526007},{"text":"Sorry?","start":525.955,"end":526.455,"sentiment":"neutral","sentiment_score":-0.10310566425323486},{"text":"Well, let's, yeah, this is a common misconception.","start":529.395,"end":532.1,"sentiment":"neutral","sentiment_score":-0.17413930408656597}],"sentiment":"neutral","sentiment_score":-0.05952064731322667,"num_words":34,"start":516.22,"end":532.1},{"sentences":[{"text":"In the recent budget, they changed it to not 50% down to 30%, then 33, but it still hasn't gone through senate.","start":532.31995,"end":539.44,"sentiment":"neutral","sentiment_score":-0.19724541157484055},{"text":"It's gone through lower house and upper house, but it still needs to actually be passed the legislation.","start":539.44,"end":543.22,"sentiment":"neutral","sentiment_score":-0.21372859179973602},{"text":"So it's not actually confirmed yet.","start":543.44,"end":545.45996,"sentiment":"neutral","sentiment_score":-0.1771967684229215},{"text":"It's still it's it's it's it's on the latter end of actually being approved going through.","start":545.885,"end":550.205,"sentiment":"neutral","sentiment_score":0.052230295492336154},{"text":"But at the moment, all the way up until, I believe, 07/01/2027 is it's still 50%.","start":550.205,"end":556.865,"sentiment":"neutral","sentiment_score":-0.01707811583764851}],"sentiment":"neutral","sentiment_score":-0.11137512106543933,"num_words":78,"start":532.31995,"end":556.865},{"sentences":[{"text":"And the fact of the matter is it takes a long time to get legislation in place within the acts to be able to make it, you know, to make it solid, to make it make it an actual legislation.","start":557.005,"end":567.77997,"sentiment":"neutral","sentiment_score":-0.14056343790143727},{"text":"And the fact it needs to get through it needs to get through that final stage still.","start":568.16,"end":572.07996,"sentiment":"neutral","sentiment_score":-0.20939628867542043},{"text":"So as far as it makes my job really easy not knowing the future, but planning the financial future for clients.","start":572.07996,"end":578.89496,"sentiment":"neutral","sentiment_score":0.2286045239085243},{"text":"But, yeah, it is still hasn't been passed yet.","start":579.115,"end":581.435,"sentiment":"neutral","sentiment_score":-0.1007700160973602},{"text":"But if it does, yeah, it's 30%.","start":581.435,"end":583.195,"sentiment":"neutral","sentiment_score":0.08060080025877271}],"sentiment":"neutral","sentiment_score":-0.05025855281410065,"num_words":94,"start":557.005,"end":583.195},{"sentences":[{"text":"30%.","start":583.195,"end":583.935,"sentiment":"neutral","sentiment_score":0.11583617329597472},{"text":"But if it's in a company with GST, so 33% of it in a company.","start":584.315,"end":588.08997,"sentiment":"neutral","sentiment_score":0.06251919468243917},{"text":"For you, you'll get a 30% CTC discount.","start":588.08997,"end":590.50995,"sentiment":"neutral","sentiment_score":0.2573871370404959},{"text":"So, you know, you made a $100.","start":591.29,"end":593.05,"sentiment":"neutral","sentiment_score":0.15958999523094722},{"text":"You wanna start selling it down.","start":593.05,"end":594.32996,"sentiment":"neutral","sentiment_score":0.11238681649168332}],"sentiment":"neutral","sentiment_score":0.13254519068711512,"num_words":37,"start":583.195,"end":594.32996},{"sentences":[{"text":"30 you sell down a $100 of it, that share portfolio.","start":594.32996,"end":597.79,"sentiment":"neutral","sentiment_score":0.08650610595941544},{"text":"If you're not working, so you retire and you sell it down to live on, whatever it might be, then $30,000 of that $100 that you sold down will go to the tax plan of whatever that if the gain was a 100,000, so more than likely over that time horizon from 30 to age 55, let's say, you'd probably achieve that more.","start":598.25,"end":618.79004,"sentiment":"neutral","sentiment_score":0.1395992019198953},{"text":"So, yeah, yeah, $30 goes to the ATO, which is awesome because we know how to spend our money better than they do half the time anyway.","start":619.25,"end":625.35004,"sentiment":"positive","sentiment_score":0.5126918454964956},{"text":"But, yeah, that goes there.","start":625.565,"end":627.08496,"sentiment":"neutral","sentiment_score":0.16187990009784697},{"text":"Then you gotta pay income taxes, marginal tax rate based on an income of 70 k leftover.","start":627.08496,"end":633.345,"sentiment":"neutral","sentiment_score":0.12158446539850797}],"sentiment":"neutral","sentiment_score":0.21516530184696117,"num_words":123,"start":594.32996,"end":633.345},{"sentences":[{"text":"So it's not just 30%.","start":633.64496,"end":635.08496,"sentiment":"neutral","sentiment_score":0.11157557666301728},{"text":"You get the capital gains discount.","start":635.08496,"end":636.845,"sentiment":"neutral","sentiment_score":0.20972368866205215},{"text":"So that 70,000 will be added to your taxable income on a tier structure.","start":636.845,"end":640.70496,"sentiment":"neutral","sentiment_score":0.20242177748254367},{"text":"Yeah.","start":643.57,"end":643.81,"sentiment":"neutral","sentiment_score":0.08167310059070587},{"text":"So, like, what you're currently making a good way to explain is you're currently a crane operator, and you're on a 100 and $180 a year?","start":643.81,"end":652.23004,"sentiment":"neutral","sentiment_score":0.052692894179087416}],"sentiment":"neutral","sentiment_score":0.11734256248634595,"num_words":52,"start":633.64496,"end":652.23004},{"sentences":[{"text":"Yep.","start":653.57,"end":653.985,"sentiment":"neutral","sentiment_score":-0.0191799346357584},{"text":"So every dollar above 200,000 is gonna be taxed at 45% plus Medicare levy, 47%.","start":654.065,"end":660.805,"sentiment":"neutral","sentiment_score":0.049365237603584924},{"text":"Right?","start":660.865,"end":661.365,"sentiment":"neutral","sentiment_score":0.10580289363861084},{"text":"So if you had a, say, a 50,000 or let's say let's say a 20 a a $30,000 capital gain, you would essentially pay the highest marginal tax rate on those dollars on $10,000 of that because the tax bracket went up from one eighty to $1.90 to 2 100.","start":662.785,"end":679.80005,"sentiment":"neutral","sentiment_score":0.10455912709236145},{"text":"So yeah.","start":680.34,"end":681.86005,"sentiment":"neutral","sentiment_score":0.0045639164745807665}],"sentiment":"neutral","sentiment_score":0.0878867494293313,"num_words":69,"start":653.57,"end":681.86005},{"sentences":[{"text":"No.","start":681.86005,"end":682.10004,"sentiment":"negative","sentiment_score":-0.3478507399559021},{"text":"Tell me about it.","start":682.10004,"end":682.74005,"sentiment":"negative","sentiment_score":-0.3789060339331627},{"text":"It's not ideal.","start":682.74005,"end":683.54004,"sentiment":"negative","sentiment_score":-0.6238528291384379},{"text":"So that's part of our job as well.","start":683.54004,"end":684.96497,"sentiment":"neutral","sentiment_score":-0.16256708838045597},{"text":"So when you get to that stage, hopefully, we can be you know, have a relationship and work as clients and professional relationship all the way up till then because we've got strategies that we can implement to mitigate that tax liability.","start":684.96497,"end":696.92,"sentiment":"neutral","sentiment_score":0.10199725335197789}],"sentiment":"neutral","sentiment_score":-0.012960093609731773,"num_words":58,"start":681.86005,"end":696.92},{"sentences":[{"text":"Because this is one of the main reasons why I got into this profession because I don't like the tax man very much.","start":697.62,"end":703.94,"sentiment":"negative","sentiment_score":-0.4606669966293418},{"text":"I think that they are crooks, and I like to keep as much money in my client's pockets as possible rather than going to the ATO.","start":703.94,"end":710.6,"sentiment":"negative","sentiment_score":-0.36067727494698304},{"text":"Because I've still got a puddle at the front of my investment property's house that's been there for three years.","start":710.90497,"end":714.985,"sentiment":"neutral","sentiment_score":-0.2901617281138897},{"text":"I want to guarantee the guarantee our boss probably got no puddles anywhere near his house.","start":714.985,"end":720.105,"sentiment":"neutral","sentiment_score":0.03621171088889241},{"text":"Right?","start":720.105,"end":720.505,"sentiment":"neutral","sentiment_score":0.15331164002418518}],"sentiment":"neutral","sentiment_score":-0.29120332115264824,"num_words":86,"start":697.62,"end":720.505},{"sentences":[{"text":"Funny how that works.","start":720.505,"end":721.645,"sentiment":"neutral","sentiment_score":0.20042426139116287},{"text":"So that's kind of gives you a background of my kinda my mentality when it comes to the ATO.","start":722.025,"end":727.16,"sentiment":"neutral","sentiment_score":0.17951815065584684},{"text":"I think it's very similar to yours and everybody else's.","start":727.3,"end":729.88,"sentiment":"neutral","sentiment_score":0.15389163345098494},{"text":"But, yeah, to give you an I to give you an idea of of what what the rules look like, yeah, you you if these shares are held in super above age 60, 60, completely tax free if you sell them, or any dividends or anything that gets paid.","start":730.5,"end":743.295,"sentiment":"neutral","sentiment_score":0.11847632332723967},{"text":"However, if it's in your personal name, it will get added even after the age of 60, it will get added onto taxable income.","start":743.355,"end":748.975,"sentiment":"neutral","sentiment_score":0.08343359036371112}],"sentiment":"neutral","sentiment_score":0.1279170212669755,"num_words":106,"start":720.505,"end":748.975},{"sentences":[{"text":"Yeah.","start":757.02,"end":757.26,"sentiment":"neutral","sentiment_score":0.01668515056371689},{"text":"No.","start":757.26,"end":757.42004,"sentiment":"neutral","sentiment_score":-0.08714434504508972},{"text":"It's fair.","start":757.42004,"end":758.08,"sentiment":"neutral","sentiment_score":0.16553524136543274},{"text":"Yeah.","start":764.46,"end":764.7,"sentiment":"neutral","sentiment_score":-0.09926395118236542},{"text":"It's a good plan.","start":764.7,"end":765.42004,"sentiment":"neutral","sentiment_score":-0.16032089293003082}],"sentiment":"neutral","sentiment_score":-0.05332624829477734,"num_words":9,"start":757.02,"end":765.42004},{"sentences":[{"text":"It's a great plan.","start":765.42004,"end":766.48004,"sentiment":"positive","sentiment_score":0.4029853753745556},{"text":"Yeah.","start":770.765,"end":771.005,"sentiment":"neutral","sentiment_score":-0.014067880809307098},{"text":"You're right.","start":771.005,"end":771.745,"sentiment":"neutral","sentiment_score":-0.019600648432970047},{"text":"So five so 5% of your wage, how much do you save per week, would you reckon?","start":785.23,"end":789.57,"sentiment":"neutral","sentiment_score":0.035269275855492145},{"text":"Yeah.","start":791.70996,"end":792.11,"sentiment":"neutral","sentiment_score":0.1013033092021942}],"sentiment":"neutral","sentiment_score":0.09038213290274143,"num_words":25,"start":765.42004,"end":792.11},{"sentences":[{"text":"Save.","start":792.11,"end":792.43,"sentiment":"neutral","sentiment_score":0.08995704352855682},{"text":"How much could you save per week or sort of a month, whichever you get paid?","start":792.43,"end":795.855,"sentiment":"neutral","sentiment_score":0.1042002965696156},{"text":"Okay.","start":800.65497,"end":801.15497,"sentiment":"neutral","sentiment_score":0.05340280383825302},{"text":"Yep.","start":808.57495,"end":808.89496,"sentiment":"neutral","sentiment_score":0.13805699348449707},{"text":"Yep.","start":808.89496,"end":809.39496,"sentiment":"neutral","sentiment_score":0.13569998741149902}],"sentiment":"neutral","sentiment_score":0.10421607866883278,"num_words":20,"start":792.11,"end":809.39496},{"sentences":[{"text":"Yeah.","start":814.68,"end":815.0,"sentiment":"neutral","sentiment_score":0.2864237129688263},{"text":"Good.","start":815.0,"end":815.4,"sentiment":"positive","sentiment_score":0.4131920039653778},{"text":"Good.","start":815.4,"end":815.88,"sentiment":"neutral","sentiment_score":0.31504520773887634},{"text":"So would you say maybe let's just say if you wanted to salary sacrifice 5%, that's a lot based on your income.","start":815.88,"end":822.68,"sentiment":"neutral","sentiment_score":0.07141089049929922},{"text":"Because you're already contributing your employer puts a new SGC contribution of 12% every year.","start":822.68,"end":828.27496,"sentiment":"neutral","sentiment_score":0.07941545297702153}],"sentiment":"neutral","sentiment_score":0.09442330775782466,"num_words":40,"start":814.68,"end":828.27496},{"sentences":[{"text":"That's $21,600 going into your fund.","start":828.415,"end":831.475,"sentiment":"neutral","sentiment_score":0.10048892721533775},{"text":"If you wanted to put in 5% of your gross wage of 180,000, you're looking at an extra $9,000.","start":831.77496,"end":839.535,"sentiment":"neutral","sentiment_score":-0.022493030336734495},{"text":"So you're essentially over the cap by $600.","start":839.535,"end":842.61,"sentiment":"neutral","sentiment_score":-0.15022222325205803},{"text":"So 5% is too much.","start":842.61,"end":844.95,"sentiment":"negative","sentiment_score":-0.3771010398864746},{"text":"That's nine yeah.","start":846.76996,"end":847.64996,"sentiment":"neutral","sentiment_score":-0.04728442678848902}],"sentiment":"neutral","sentiment_score":-0.07447732387610324,"num_words":41,"start":828.415,"end":847.64996},{"sentences":[{"text":"5% of a $180 is 9,000.","start":847.64996,"end":849.97,"sentiment":"neutral","sentiment_score":-0.03715611156076193},{"text":"Right?","start":849.97,"end":850.29,"sentiment":"neutral","sentiment_score":0.00207641813904047},{"text":"Half of 18.","start":850.29,"end":851.11,"sentiment":"neutral","sentiment_score":-0.016567563638091087},{"text":"So you're and you're already putting in concessional contribution from your employment of 21,600, the concessional cap is 31 is $30,000 at the moment.","start":851.81,"end":864.055,"sentiment":"neutral","sentiment_score":-0.03592752028877536},{"text":"So every every dollar after that is taxed at the highest marginal tax rate.","start":864.055,"end":870.695,"sentiment":"neutral","sentiment_score":-0.09611405804753304}],"sentiment":"neutral","sentiment_score":-0.051633755036164075,"num_words":48,"start":847.64996,"end":870.695},{"sentences":[{"text":"So there's no benefit.","start":870.695,"end":871.755,"sentiment":"negative","sentiment_score":-0.33477354794740677},{"text":"Yeah.","start":872.455,"end":872.775,"sentiment":"neutral","sentiment_score":-0.10621009021997452},{"text":"So you wanna kind of limit that, but there is ways we can get around it.","start":872.775,"end":876.37,"sentiment":"neutral","sentiment_score":-0.023988036438822746},{"text":"You can carry forward the last five years of unused cap or concessional cap.","start":876.50995,"end":881.62994,"sentiment":"neutral","sentiment_score":-0.011046114776815687},{"text":"So if you're if you haven't salary sacrificed anything at all and you get to the end of the financial year, Over the last five years, you've essentially been on a 100 let's just say, a $180 for the last five years, and you haven't put any more in.","start":881.62994,"end":895.755,"sentiment":"neutral","sentiment_score":-0.030980789416222548}],"sentiment":"neutral","sentiment_score":-0.04168829944406059,"num_words":84,"start":870.695,"end":895.755},{"sentences":[{"text":"You've got, what, $8,400 excess every year for five years.","start":895.815,"end":901.015,"sentiment":"neutral","sentiment_score":-0.004020174732431769},{"text":"So you can you can salary sacrifice more in if you wanted to.","start":901.015,"end":905.15,"sentiment":"neutral","sentiment_score":0.09088928424395047},{"text":"Strategy, we do closer to the time of retirement because you can access the money sooner.","start":905.21,"end":910.99,"sentiment":"neutral","sentiment_score":0.20519459806382656},{"text":"But to answer your question, if you're saving a $150, once you got $50 salary sacrifice and a 100 into it was a week.","start":911.05,"end":918.895,"sentiment":"neutral","sentiment_score":0.061709779469917216},{"text":"Correct?","start":918.895,"end":919.395,"sentiment":"neutral","sentiment_score":0.008645838126540184}],"sentiment":"neutral","sentiment_score":0.09240864159801276,"num_words":64,"start":895.815,"end":919.395},{"sentences":[{"text":"Sorry.","start":922.815,"end":923.215,"sentiment":"neutral","sentiment_score":-0.1069173812866211},{"text":"Was it a $150 that you could probably use as savings a week?","start":923.215,"end":927.79504,"sentiment":"neutral","sentiment_score":-0.007620018978531544},{"text":"Okay.","start":929.85504,"end":930.255,"sentiment":"neutral","sentiment_score":0.1244749203324318},{"text":"So let's just go if you got a 150 spare cash flow $150 per cash flow a week, then, you know, why don't you kinda diversify?","start":930.255,"end":937.37,"sentiment":"neutral","sentiment_score":0.1398626329520574},{"text":"Why don't you put a 100 towards the mortgage?","start":937.51,"end":939.43,"sentiment":"neutral","sentiment_score":0.16148714555634391}],"sentiment":"neutral","sentiment_score":0.10016620118170977,"num_words":50,"start":922.815,"end":939.43},{"sentences":[{"text":"Because that if you do an amortization calculator, you'll be amazed at how much that reduces your interest repayments, just a $100 a week.","start":939.43,"end":946.505,"sentiment":"positive","sentiment_score":0.36715472613771755},{"text":"I can do all of that for you as well.","start":946.505,"end":948.285,"sentiment":"positive","sentiment_score":0.3948537468910217},{"text":"But then put then salary sacrifice $50,000.","start":949.225,"end":953.14496,"sentiment":"neutral","sentiment_score":0.2572161214692252},{"text":"That's an extra $2.5, $2,600 into your super fund.","start":953.14496,"end":957.0,"sentiment":"positive","sentiment_score":0.3553782304128011},{"text":"That's minimizes your tax your tax liability as well.","start":957.24,"end":960.7,"sentiment":"neutral","sentiment_score":0.2289687047402064}],"sentiment":"positive","sentiment_score":0.3359302739470692,"num_words":59,"start":939.43,"end":960.7},{"sentences":[{"text":"Yeah.","start":962.52,"end":962.84,"sentiment":"neutral","sentiment_score":0.06767538189888},{"text":"So, I mean yeah.","start":962.84,"end":964.84,"sentiment":"neutral","sentiment_score":0.017846830654889345},{"text":"Yeah.","start":964.84,"end":965.0,"sentiment":"neutral","sentiment_score":0.008761130273342133},{"text":"Yeah.","start":965.0,"end":965.32,"sentiment":"neutral","sentiment_score":-0.0182972215116024},{"text":"But we could Yeah.","start":965.32,"end":973.995,"sentiment":"neutral","sentiment_score":-0.09787061251699924}],"sentiment":"neutral","sentiment_score":-0.023814166980710896,"num_words":11,"start":962.52,"end":973.995},{"sentences":[{"text":"Gotcha.","start":973.995,"end":974.495,"sentiment":"neutral","sentiment_score":-0.113023042678833},{"text":"Yep.","start":983.755,"end":984.255,"sentiment":"neutral","sentiment_score":-0.04154298827052117},{"text":"Correct.","start":987.73,"end":988.20996,"sentiment":"neutral","sentiment_score":0.023635057732462883},{"text":"Do you do you have an offset account?","start":988.20996,"end":991.02997,"sentiment":"neutral","sentiment_score":-0.016852963366545737},{"text":"Okay.","start":997.00995,"end":997.41,"sentiment":"neutral","sentiment_score":0.04833865910768509}],"sentiment":"neutral","sentiment_score":-0.01811800175346434,"num_words":12,"start":973.995,"end":997.41},{"sentences":[{"text":"Gotcha.","start":997.41,"end":997.91,"sentiment":"neutral","sentiment_score":0.03545411676168442},{"text":"Correct.","start":1015.7,"end":1016.2,"sentiment":"neutral","sentiment_score":0.08676788210868835},{"text":"Yep.","start":1017.86005,"end":1018.26,"sentiment":"neutral","sentiment_score":0.23061685264110565},{"text":"Absolutely.","start":1018.26,"end":1018.76,"sentiment":"positive","sentiment_score":0.5039544701576233},{"text":"We can do that.","start":1018.82,"end":1019.62006,"sentiment":"positive","sentiment_score":0.4543118178844452}],"sentiment":"positive","sentiment_score":0.3342550741508603,"num_words":8,"start":997.41,"end":1019.62006},{"sentences":[{"text":"Yep.","start":1019.62006,"end":1020.12006,"sentiment":"neutral","sentiment_score":0.12689658999443054},{"text":"So you're looking at yeah.","start":1021.14,"end":1024.195,"sentiment":"neutral","sentiment_score":0.056787478551268575},{"text":"Absolutely.","start":1024.195,"end":1024.6749,"sentiment":"positive","sentiment_score":0.3872021436691284},{"text":"We can definitely have a look at debt recycling.","start":1024.6749,"end":1026.375,"sentiment":"positive","sentiment_score":0.4940069682068295},{"text":"I love I love debt recycling, especially if it's for bricks and mortar.","start":1026.4349,"end":1029.815,"sentiment":"positive","sentiment_score":0.6732729994333707}],"sentiment":"positive","sentiment_score":0.48264302872121334,"num_words":29,"start":1019.62006,"end":1029.815},{"sentences":[{"text":"We can have a look at that.","start":1031.155,"end":1032.515,"sentiment":"positive","sentiment_score":0.438575233731951},{"text":"It really depends on what service you kinda go wanna go with, but we can get to our fees and what we charge and the services overall.","start":1032.515,"end":1039.255,"sentiment":"neutral","sentiment_score":0.2160595804452896},{"text":"We can do complimentary stuff, a complimentary statement of advice.","start":1039.7899,"end":1043.7899,"sentiment":"neutral","sentiment_score":0.2821721822023392},{"text":"But if you want that more complex kind of strategies and looking at debt recycling and, you know, mortgages and stuff like that, there is gonna be an upfront cost for the preparation of the statement of advice just so you're aware.","start":1043.7899,"end":1056.2251,"sentiment":"neutral","sentiment_score":-0.03787871376248188},{"text":"But like I said, I'll I'll I'll just get an idea a little bit more about you, and then we'll go through all of that when it's when we're done with you.","start":1056.2251,"end":1063.1051,"sentiment":"neutral","sentiment_score":0.08736847911495715}],"sentiment":"neutral","sentiment_score":0.10957832613410388,"num_words":118,"start":1031.155,"end":1063.1051},{"sentences":[{"text":"Alright?","start":1063.1051,"end":1063.6051,"sentiment":"neutral","sentiment_score":0.07379797101020813},{"text":"Beautiful.","start":1065.5851,"end":1065.985,"sentiment":"positive","sentiment_score":0.614355742931366},{"text":"So you're looking at salary sacrifice, possibly.","start":1065.985,"end":1069.28,"sentiment":"neutral","sentiment_score":0.1265990627663476},{"text":"You're looking at debt recycling, possibly.","start":1069.3401,"end":1071.28,"sentiment":"neutral","sentiment_score":0.17694279178977013},{"text":"You definitely wanna have a look at that c plus superannuation because as we've indicated, if you want 1,000 to $1,500 a week by the age of 60 when you can access it, you're currently not on track to achieve that with the 5% return net.","start":1071.3401,"end":1084.255,"sentiment":"neutral","sentiment_score":0.1496193859797052}],"sentiment":"neutral","sentiment_score":0.15604091244444374,"num_words":61,"start":1063.1051,"end":1084.255},{"sentences":[{"text":"Right?","start":1084.255,"end":1084.755,"sentiment":"neutral","sentiment_score":0.09985852241516112},{"text":"So you need to get you on track for close to 1,500,000.","start":1085.135,"end":1088.355,"sentiment":"neutral","sentiment_score":0.19010514517625174},{"text":"So we can utilize strategies to kinda see what salary sacrificing looks like and how much you'll need to put in if for some reason we weren't able to achieve that projected amount.","start":1088.4149,"end":1100.14,"sentiment":"neutral","sentiment_score":0.07806164822117849},{"text":"So that's the number I'm gonna work with within my head.","start":1100.14,"end":1102.86,"sentiment":"neutral","sentiment_score":0.2375572608275847},{"text":"Alright?","start":1102.86,"end":1103.36,"sentiment":"neutral","sentiment_score":0.09892648458480836}],"sentiment":"neutral","sentiment_score":0.13222777602616057,"num_words":58,"start":1084.255,"end":1103.36},{"sentences":[{"text":"But then you also indicated that you would don't wanna work and wait till you're you're the age of 60.","start":1105.18,"end":1109.985,"sentiment":"neutral","sentiment_score":0.0030675710644572974},{"text":"Right?","start":1109.985,"end":1110.225,"sentiment":"neutral","sentiment_score":0.05989759415388107},{"text":"So you wanted to build up some sort of share portfolio, which you're comfortable managing.","start":1110.225,"end":1114.485,"sentiment":"neutral","sentiment_score":0.21230073968569438},{"text":"We do we can set up share portfolio.","start":1115.505,"end":1117.445,"sentiment":"neutral","sentiment_score":0.27553521282970905},{"text":"I mean, we're looking at your super, and we provide a ETF recommendation for diversified portfolio.","start":1118.225,"end":1123.105,"sentiment":"neutral","sentiment_score":0.23087690211832523}],"sentiment":"neutral","sentiment_score":0.15340120412098865,"num_words":60,"start":1105.18,"end":1123.105},{"sentences":[{"text":"Maybe you can probably just copy that if you like, save some money.","start":1123.105,"end":1126.54,"sentiment":"neutral","sentiment_score":0.2666664868593216},{"text":"But if you're happy with your portfolio at the moment, I'm more than more than welcome to do it that way as well.","start":1126.54,"end":1131.6001,"sentiment":"positive","sentiment_score":0.45462353138819983},{"text":"But the let's say when you said late fifties, do you wanna aim for having a shared portfolio to be able to help the boots and retire at the age of 55?","start":1133.1001,"end":1141.835,"sentiment":"neutral","sentiment_score":0.12733485258650035},{"text":"Is that a good number?","start":1141.835,"end":1142.875,"sentiment":"neutral","sentiment_score":0.11347628980875016},{"text":"Or Okay.","start":1142.875,"end":1159.46,"sentiment":"neutral","sentiment_score":0.08877448737621307}],"sentiment":"neutral","sentiment_score":0.24990201676885287,"num_words":75,"start":1123.105,"end":1159.46},{"sentences":[{"text":"Well, debt free and mortgage.","start":1159.52,"end":1161.2001,"sentiment":"neutral","sentiment_score":0.11279577314853668},{"text":"So debt free completely by the age of fifty fifty five.","start":1161.2001,"end":1164.16,"sentiment":"neutral","sentiment_score":0.14886034347794272},{"text":"Alright.","start":1164.16,"end":1164.56,"sentiment":"neutral","sentiment_score":0.2214658260345459},{"text":"We can work with that regarding the salary the contributions to your mortgage.","start":1164.56,"end":1170.015,"sentiment":"neutral","sentiment_score":0.2481978340790822},{"text":"And, yeah, if you if you wanna set up and refinance with Macquarie, I love Macquarie.","start":1170.015,"end":1174.735,"sentiment":"positive","sentiment_score":0.38599720038473606}],"sentiment":"neutral","sentiment_score":0.257074685200401,"num_words":46,"start":1159.52,"end":1174.735},{"sentences":[{"text":"They're an amazing bank because of the products that they have.","start":1174.735,"end":1178.515,"sentiment":"positive","sentiment_score":0.6317545392296531},{"text":"So the products, like you said, many different or you can link something like 28 accounts, bank cash bank accounts to an offset one offset loan.","start":1178.735,"end":1187.1599,"sentiment":"neutral","sentiment_score":0.29109788686037064},{"text":"It's insane.","start":1187.1599,"end":1187.8999,"sentiment":"positive","sentiment_score":0.5349802672863007},{"text":"So, yeah, I think that's a great idea.","start":1188.2799,"end":1190.5399,"sentiment":"positive","sentiment_score":0.6803158447146416},{"text":"Yeah.","start":1191.88,"end":1192.12,"sentiment":"neutral","sentiment_score":0.3287140130996704}],"sentiment":"positive","sentiment_score":0.44498013115177554,"num_words":48,"start":1174.735,"end":1192.12},{"sentences":[{"text":"You you should be able did you want me to well, I can definitely have a look at ways to essentially introduce, you know, contributing to an offset account and how much that number is to be able to achieve that goal of, say, 50 and then an alternative for 55, if you like.","start":1192.12,"end":1208.485,"sentiment":"neutral","sentiment_score":0.3293397862602163},{"text":"But, again, we're we're I'll get you get I'll give you an understanding of our our services and what they cost and all the bits and pieces as well because it's kinda like a tiered approach.","start":1208.485,"end":1218.47,"sentiment":"neutral","sentiment_score":0.10142435981995529},{"text":"That makes sense.","start":1218.47,"end":1219.37,"sentiment":"neutral","sentiment_score":0.16075749198595682},{"text":"Beautiful.","start":1221.1901,"end":1221.6901,"sentiment":"positive","sentiment_score":0.6713236570358276},{"text":"Okay.","start":1221.875,"end":1222.1951,"sentiment":"positive","sentiment_score":0.4129129648208618}],"sentiment":"neutral","sentiment_score":0.24212773167773297,"num_words":95,"start":1192.12,"end":1222.1951},{"sentences":[{"text":"Well, I've got a pretty good idea.","start":1222.1951,"end":1223.3151,"sentiment":"positive","sentiment_score":0.5436983406543732},{"text":"We've already got all your fact finds and risk profiles and things like that.","start":1223.3151,"end":1226.295,"sentiment":"positive","sentiment_score":0.3446255081466266},{"text":"But is there anything else?","start":1227.0751,"end":1228.515,"sentiment":"neutral","sentiment_score":0.11788472533226013},{"text":"So we're looking at debt recycling.","start":1228.515,"end":1229.9751,"sentiment":"neutral","sentiment_score":0.1018326183160146},{"text":"We're looking at some want to retire around about I'm I'm gonna aim for 5050 to '55, be debt free, and hopefully hang up the boots, and then live off the share portfolio to the age of 60, if not further, and then start utilizing superannuation as a drawdown in the income mechanism.","start":1230.035,"end":1245.71,"sentiment":"neutral","sentiment_score":0.11881109390337512}],"sentiment":"neutral","sentiment_score":0.18974179778905476,"num_words":85,"start":1222.1951,"end":1245.71},{"sentences":[{"text":"Is that the plan?","start":1245.77,"end":1246.67,"sentiment":"neutral","sentiment_score":0.05029754526913166},{"text":"Yep.","start":1257.2849,"end":1257.605,"sentiment":"neutral","sentiment_score":0.008725847117602825},{"text":"Yeah.","start":1257.605,"end":1257.845,"sentiment":"neutral","sentiment_score":0.0021680928766727448},{"text":"No.","start":1257.845,"end":1257.9249,"sentiment":"neutral","sentiment_score":-0.13992688059806824},{"text":"That's alright.","start":1257.9249,"end":1258.745,"sentiment":"neutral","sentiment_score":-0.13522598892450333}],"sentiment":"neutral","sentiment_score":-0.022032748597363632,"num_words":9,"start":1245.77,"end":1258.745},{"sentences":[{"text":"Yeah.","start":1263.125,"end":1263.445,"sentiment":"neutral","sentiment_score":-0.07802672684192657},{"text":"No.","start":1263.445,"end":1263.6849,"sentiment":"neutral","sentiment_score":-0.2080288529396057},{"text":"Absolutely.","start":1263.6849,"end":1264.1849,"sentiment":"neutral","sentiment_score":-0.14037707448005676},{"text":"Yeah.","start":1265.63,"end":1265.95,"sentiment":"neutral","sentiment_score":-0.03127962723374367},{"text":"No.","start":1265.95,"end":1266.11,"sentiment":"neutral","sentiment_score":-0.08379104733467102}],"sentiment":"neutral","sentiment_score":-0.10830066576600075,"num_words":5,"start":1263.125,"end":1266.11},{"sentences":[{"text":"We can have a look at that.","start":1266.11,"end":1267.3899,"sentiment":"neutral","sentiment_score":-0.05298846960067749},{"text":"Alright.","start":1267.3899,"end":1267.7899,"sentiment":"neutral","sentiment_score":0.025288689881563187},{"text":"Well, what I'm I've got a fairly good idea of what you have to, mate.","start":1267.7899,"end":1270.6699,"sentiment":"neutral","sentiment_score":0.04182503260672092},{"text":"Unless there's anything else while I draw up this email, I'm gonna send you through I'm just gonna shoot you through an email straight from my personal email.","start":1270.6699,"end":1279.1499,"sentiment":"neutral","sentiment_score":0.025207967264577746},{"text":"It's it's gonna include the Oakview Financial Services Guide as well as the Oakview Services Guide.","start":1279.1499,"end":1285.835,"sentiment":"neutral","sentiment_score":0.0986157595179975}],"sentiment":"neutral","sentiment_score":0.03828985264886226,"num_words":67,"start":1266.11,"end":1285.835},{"sentences":[{"text":"A little bit more about us.","start":1285.835,"end":1287.035,"sentiment":"neutral","sentiment_score":0.08447849377989769},{"text":"I'll give you an idea of who we are, what we do, what we charge, all the bits and pieces, all the compliance points.","start":1287.035,"end":1291.615,"sentiment":"neutral","sentiment_score":0.10702376905828714},{"text":"And from there, man, I think I just need to run through a fact by did you go through a risk profile questionnaire with Maddie when she called you?","start":1292.12,"end":1299.9,"sentiment":"neutral","sentiment_score":0.021688425142703385},{"text":"Let me just have a look.","start":1300.04,"end":1301.3401,"sentiment":"neutral","sentiment_score":0.004210523484895627},{"text":"Yeah.","start":1303.7201,"end":1304.175,"sentiment":"neutral","sentiment_score":-0.04001934081315994}],"sentiment":"neutral","sentiment_score":0.0559037810501953,"num_words":66,"start":1285.835,"end":1304.175},{"sentences":[{"text":"No.","start":1304.5751,"end":1304.655,"sentiment":"neutral","sentiment_score":-0.0697602778673172},{"text":"That's right.","start":1304.655,"end":1305.295,"sentiment":"neutral","sentiment_score":-0.018654352985322475},{"text":"Let me have a look.","start":1305.295,"end":1306.0951,"sentiment":"neutral","sentiment_score":0.018351353891193866},{"text":"No.","start":1306.0951,"end":1306.5951,"sentiment":"neutral","sentiment_score":-0.15987785160541534},{"text":"She didn't do that, so she probably left it up to me.","start":1306.7351,"end":1309.135,"sentiment":"neutral","sentiment_score":-0.23471293101708093}],"sentiment":"neutral","sentiment_score":-0.14246405896154188,"num_words":21,"start":1304.5751,"end":1309.135},{"sentences":[{"text":"So then I'm just gonna ask some questions regarding your volatility and your your, I guess, your attitude and approach to financial risk.","start":1309.135,"end":1316.3551,"sentiment":"neutral","sentiment_score":-0.09438458894905837},{"text":"It's some of those questions are pretty dumb.","start":1316.7101,"end":1318.63,"sentiment":"neutral","sentiment_score":-0.18856921512633562},{"text":"They've made up by the ASIC and the federal government, so bear with me when we go through it.","start":1318.63,"end":1322.63,"sentiment":"neutral","sentiment_score":-0.06139522437986575},{"text":"But, yeah, it gives me an understanding.","start":1322.63,"end":1324.9701,"sentiment":"neutral","sentiment_score":0.14919218633856093},{"text":"We're gonna have a discussion about what kind of risk tolerance you are and what time versus risk actually means.","start":1325.1101,"end":1331.325,"sentiment":"neutral","sentiment_score":-0.010727525129914284}],"sentiment":"neutral","sentiment_score":-0.05215732114655631,"num_words":77,"start":1309.135,"end":1331.325},{"sentences":[{"text":"Alright?","start":1331.725,"end":1331.965,"sentiment":"neutral","sentiment_score":0.03528349846601486},{"text":"So are you in front of a computer at the moment?","start":1331.965,"end":1334.225,"sentiment":"neutral","sentiment_score":-0.0017543577335097573},{"text":"Okay.","start":1337.245,"end":1337.565,"sentiment":"neutral","sentiment_score":0.03381983935832977},{"text":"Yep.","start":1337.565,"end":1338.065,"sentiment":"neutral","sentiment_score":0.059216439723968506},{"text":"Is there any way that you would, maybe on your phone or something, be able to access your emails?","start":1338.605,"end":1342.705,"sentiment":"neutral","sentiment_score":0.03214420417421743}],"sentiment":"neutral","sentiment_score":0.021810961266358692,"num_words":33,"start":1331.725,"end":1342.705},{"sentences":[{"text":"Oh, yeah.","start":1350.16,"end":1350.8,"sentiment":"neutral","sentiment_score":0.03946058452129364},{"text":"Yeah.","start":1350.8,"end":1351.12,"sentiment":"neutral","sentiment_score":0.07655671238899231},{"text":"Correct.","start":1351.12,"end":1351.52,"sentiment":"neutral","sentiment_score":0.1307256519794464},{"text":"Because I wanna send you through this the the these two documents and actually walk you through them.","start":1351.52,"end":1357.04,"sentiment":"neutral","sentiment_score":0.17861595046189097},{"text":"It's it's part of our compliance approach.","start":1357.04,"end":1358.795,"sentiment":"neutral","sentiment_score":0.09992390445300511}],"sentiment":"neutral","sentiment_score":0.14485372320331377,"num_words":29,"start":1350.16,"end":1358.795},{"sentences":[{"text":"Found out the other day, actually, off topic.","start":1358.795,"end":1360.655,"sentiment":"neutral","sentiment_score":0.005486374953761697},{"text":"The financial services, the asset management and financial planning is more regulated than the pharmaceutical industry at the moment in Australia.","start":1361.435,"end":1368.5751,"sentiment":"neutral","sentiment_score":-0.038038456635106174},{"text":"Pretty crazy.","start":1368.9551,"end":1369.775,"sentiment":"neutral","sentiment_score":-0.012995151802897452},{"text":"But, yeah, it's just I mean, fair enough.","start":1369.915,"end":1372.39,"sentiment":"neutral","sentiment_score":-0.02716114674694836},{"text":"We look after hundreds of millions of other people's money.","start":1372.39,"end":1374.87,"sentiment":"neutral","sentiment_score":-0.023401521518826483}],"sentiment":"neutral","sentiment_score":-0.025147169030138423,"num_words":49,"start":1358.795,"end":1374.87},{"sentences":[{"text":"We need to make sure we do it correctly.","start":1374.87,"end":1376.41,"sentiment":"neutral","sentiment_score":-0.045960875848929085},{"text":"But, yeah, I will essentially wanna back to the financial services guide, I do need you to have access to actually see these documents.","start":1377.1901,"end":1384.41,"sentiment":"neutral","sentiment_score":0.060179476626217365},{"text":"So if you can, probably a last week or whatever is easier for you to receive an email.","start":1384.4701,"end":1389.005,"sentiment":"neutral","sentiment_score":0.06651611522667938},{"text":"And your best email, just to confirm, is where are where are you?","start":1389.9451,"end":1395.725,"sentiment":"neutral","sentiment_score":0.06978219776199414},{"text":"Sorry.","start":1396.425,"end":1396.8251,"sentiment":"neutral","sentiment_score":-0.05157223343849182}],"sentiment":"neutral","sentiment_score":0.04743916873748486,"num_words":65,"start":1374.87,"end":1396.8251},{"sentences":[{"text":"I opened up my CRM.","start":1396.8251,"end":1398.0901,"sentiment":"neutral","sentiment_score":-0.04555302485823631},{"text":"So are you still b.stevens2285@hotmail.com?","start":1398.15,"end":1402.41,"sentiment":"neutral","sentiment_score":-0.016038176976144312},{"text":"Beautiful.","start":1405.03,"end":1405.53,"sentiment":"positive","sentiment_score":0.35323551297187805},{"text":"While I'm while I'm being ah, beautiful.","start":1406.63,"end":1409.51,"sentiment":"neutral","sentiment_score":0.13285409552710398},{"text":"Beautiful.","start":1409.51,"end":1409.9901,"sentiment":"positive","sentiment_score":0.4763151407241822}],"sentiment":"neutral","sentiment_score":0.07639859543230973,"num_words":19,"start":1396.8251,"end":1409.9901},{"sentences":[{"text":"Yep.","start":1409.9901,"end":1410.2301,"sentiment":"neutral","sentiment_score":0.2585831880569458},{"text":"Just open that up.","start":1410.2301,"end":1411.03,"sentiment":"neutral","sentiment_score":0.23930375277996063},{"text":"Jump in the emails.","start":1411.03,"end":1411.935,"sentiment":"neutral","sentiment_score":0.24523673579096794},{"text":"You should receive something fairly soon.","start":1412.0951,"end":1413.9551,"sentiment":"neutral","sentiment_score":0.3020754009485245},{"text":"And, Smit, do you have anything other than that?","start":1415.2151,"end":1417.4551,"sentiment":"neutral","sentiment_score":-0.0013486740256970127}],"sentiment":"neutral","sentiment_score":0.16654414507502224,"num_words":24,"start":1409.9901,"end":1417.4551},{"sentences":[{"text":"So, I mean, from a from a planning perspective, from a future financial goals perspective, you're pretty bang on the money.","start":1417.4551,"end":1423.2151,"sentiment":"positive","sentiment_score":0.4056214307035719},{"text":"It's it's it's a really good plan.","start":1423.2151,"end":1425.45,"sentiment":"positive","sentiment_score":0.7702578050749642},{"text":"Lots of clients kind of tend to lean towards that plan.","start":1426.1699,"end":1429.23,"sentiment":"positive","sentiment_score":0.6231018060987646},{"text":"The only thing that I did wanna ask is what are your thoughts about kind of leveraging to invest?","start":1429.69,"end":1434.35,"sentiment":"neutral","sentiment_score":0.09413149815640952},{"text":"So borrowing against equity in your home to buy another investment property or shares or something like that.","start":1434.8099,"end":1440.0299,"sentiment":"neutral","sentiment_score":0.018422058162589867}],"sentiment":"neutral","sentiment_score":0.30110618499058645,"num_words":76,"start":1417.4551,"end":1440.0299},{"sentences":[{"text":"Yep.","start":1449.7051,"end":1450.2051,"sentiment":"neutral","sentiment_score":0.04491625353693962},{"text":"Mhmm.","start":1454.4801,"end":1454.9801,"sentiment":"neutral","sentiment_score":0.01962401531636715},{"text":"Yep.","start":1465.6001,"end":1465.845,"sentiment":"neutral","sentiment_score":0.046661000698804855},{"text":"Okay.","start":1467.525,"end":1467.9249,"sentiment":"neutral","sentiment_score":0.037196602672338486},{"text":"Okay.","start":1467.9249,"end":1468.325,"sentiment":"neutral","sentiment_score":0.026088742539286613}],"sentiment":"neutral","sentiment_score":0.03489732295274735,"num_words":5,"start":1449.7051,"end":1468.325},{"sentences":[{"text":"So when the kids go to school.","start":1468.325,"end":1469.845,"sentiment":"neutral","sentiment_score":0.011468335720045226},{"text":"How old are your kids?","start":1469.845,"end":1470.905,"sentiment":"neutral","sentiment_score":-0.025324797630310057},{"text":"Okay.","start":1475.845,"end":1476.245,"sentiment":"neutral","sentiment_score":0.006362008862197399},{"text":"Okay.","start":1476.245,"end":1476.565,"sentiment":"neutral","sentiment_score":0.00021195504814386368},{"text":"So run about what?","start":1476.565,"end":1477.765,"sentiment":"neutral","sentiment_score":-0.010274919215589762}],"sentiment":"neutral","sentiment_score":-0.004492852836847305,"num_words":18,"start":1468.325,"end":1477.765},{"sentences":[{"text":"Prep is about four, four years old, five years old?","start":1477.765,"end":1480.505,"sentiment":"neutral","sentiment_score":-0.02625186312943697},{"text":"Is that when you're thinking that that's not okay.","start":1480.89,"end":1485.2101,"sentiment":"neutral","sentiment_score":-0.01632812588165204},{"text":"Perfect.","start":1485.2101,"end":1485.6901,"sentiment":"neutral","sentiment_score":0.2986968755722046},{"text":"Well, with property, if you want to get an investment leverage against it, it's really important that you wanna retain about, let's say, 20% as LVR, loan to value ratio.","start":1485.6901,"end":1496.385,"sentiment":"neutral","sentiment_score":0.0943868479381005},{"text":"So let's just say that you got a your property's worth a million bucks and you want to pull money out.","start":1496.385,"end":1501.985,"sentiment":"neutral","sentiment_score":0.08459109990369706}],"sentiment":"neutral","sentiment_score":0.06334145982343127,"num_words":71,"start":1477.765,"end":1501.985},{"sentences":[{"text":"You don't wanna pull more out to make the than making the loan higher than 800,000 because then you initiate LMI loan mortgage insurance, and that's just an insurance policy that you pay and you don't get any return for.","start":1501.985,"end":1513.3201,"sentiment":"neutral","sentiment_score":-0.06691595567390322},{"text":"So we is it a good number with a million dollar property?","start":1513.54,"end":1517.46,"sentiment":"neutral","sentiment_score":0.12887894548475742},{"text":"Is having equity of around about 600,000?","start":1517.46,"end":1520.4401,"sentiment":"neutral","sentiment_score":-0.002473624822284494},{"text":"Because then you can leverage against $200 and still have $200 left over in the property to not pay for that loan mortgage insurance policy.","start":1520.585,"end":1528.205,"sentiment":"neutral","sentiment_score":-0.047540805637836456},{"text":"So that's kinda gives you an indication.","start":1528.505,"end":1530.345,"sentiment":"neutral","sentiment_score":0.07709859471235957}],"sentiment":"neutral","sentiment_score":-0.01973885970169699,"num_words":91,"start":1501.985,"end":1530.345},{"sentences":[{"text":"If you were to if you're borrowing that money, how much money are you gonna pull out of that property for innovation?","start":1530.345,"end":1534.605,"sentiment":"neutral","sentiment_score":0.01205167185451666},{"text":"Is that a $100?","start":1535.0801,"end":1536.14,"sentiment":"neutral","sentiment_score":-0.006645019166171551},{"text":"Beautiful.","start":1540.4401,"end":1540.9401,"sentiment":"positive","sentiment_score":0.5521794557571411},{"text":"Let me pull up your fact find over here.","start":1541.0,"end":1543.42,"sentiment":"neutral","sentiment_score":0.25908207562234664},{"text":"Alright, sir.","start":1543.7201,"end":1544.7001,"sentiment":"neutral","sentiment_score":0.1032528467476368}],"sentiment":"neutral","sentiment_score":0.08760475089442671,"num_words":38,"start":1530.345,"end":1544.7001},{"sentences":[{"text":"Yeah.","start":1548.28,"end":1548.6001,"sentiment":"neutral","sentiment_score":0.1455448865890503},{"text":"Good.","start":1548.6001,"end":1548.975,"sentiment":"neutral","sentiment_score":0.227443128824234},{"text":"580,000.","start":1549.135,"end":1550.895,"sentiment":"neutral","sentiment_score":0.11796070635318756},{"text":"It says $5.70.","start":1550.895,"end":1552.095,"sentiment":"neutral","sentiment_score":0.07244042058785756},{"text":"On the Factfind, is it 4 is the loan at $4.80 or $4.70 at the moment?","start":1552.095,"end":1556.115,"sentiment":"neutral","sentiment_score":0.007791927695507184}],"sentiment":"neutral","sentiment_score":0.037860946666279975,"num_words":22,"start":1548.28,"end":1556.115},{"sentences":[{"text":"Okay.","start":1557.9349,"end":1558.255,"sentiment":"neutral","sentiment_score":-0.006484058685600758},{"text":"Yeah.","start":1558.255,"end":1558.495,"sentiment":"neutral","sentiment_score":0.01798003911972046},{"text":"Yeah.","start":1558.495,"end":1558.655,"sentiment":"neutral","sentiment_score":0.037352003157138824},{"text":"Yep.","start":1558.655,"end":1558.895,"sentiment":"neutral","sentiment_score":0.06864254176616669},{"text":"Yep.","start":1558.895,"end":1559.215,"sentiment":"neutral","sentiment_score":0.13615265488624573}],"sentiment":"neutral","sentiment_score":0.05072863604873419,"num_words":5,"start":1557.9349,"end":1559.215},{"sentences":[{"text":"Beautiful.","start":1559.215,"end":1559.715,"sentiment":"positive","sentiment_score":0.4014819860458374},{"text":"So releasing a 100 for for renovations.","start":1559.855,"end":1564.7001,"sentiment":"neutral","sentiment_score":0.1658871876341956},{"text":"Beautiful.","start":1565.0801,"end":1565.5801,"sentiment":"positive","sentiment_score":0.4065558612346649},{"text":"And that but, I mean, even at that LBR, you're looking at, you know, what, 570,000, and your property's worth 900,000, you said?","start":1567.4801,"end":1576.665,"sentiment":"neutral","sentiment_score":0.038046406318798014},{"text":"Approximately, and that's Macquarie Hills, New South Wales.","start":1576.665,"end":1579.545,"sentiment":"neutral","sentiment_score":0.021617116639390588}],"sentiment":"neutral","sentiment_score":0.07543131097918376,"num_words":40,"start":1559.215,"end":1579.545},{"sentences":[{"text":"Cool.","start":1579.545,"end":1580.045,"sentiment":"neutral","sentiment_score":0.23614764213562012},{"text":"Yeah.","start":1580.985,"end":1581.225,"sentiment":"neutral","sentiment_score":0.21341590583324432},{"text":"You should have enough.","start":1581.225,"end":1582.105,"sentiment":"neutral","sentiment_score":0.20847323909401894},{"text":"Dude, let me just do a quick calculation here.","start":1582.105,"end":1583.945,"sentiment":"neutral","sentiment_score":0.03754557172457377},{"text":"900 k minus the $5.70.","start":1583.945,"end":1587.5651,"sentiment":"neutral","sentiment_score":-0.006549298577010631}],"sentiment":"neutral","sentiment_score":0.07943100784905255,"num_words":20,"start":1579.545,"end":1587.5651},{"sentences":[{"text":"With the equity release, you have 330 k worth of loans.","start":1587.79,"end":1591.57,"sentiment":"neutral","sentiment_score":0.0292241404002363},{"text":"And then we'll go twenty percent 900 k.","start":1591.87,"end":1594.83,"sentiment":"neutral","sentiment_score":0.05852082232013345},{"text":"Should be 45 at 90.","start":1594.83,"end":1596.99,"sentiment":"neutral","sentiment_score":0.05323539301753044},{"text":"Oh, there we go.","start":1596.99,"end":1597.89,"sentiment":"neutral","sentiment_score":0.03846858302131295},{"text":"Okay.","start":1599.23,"end":1599.63,"sentiment":"neutral","sentiment_score":0.04547744244337082}],"sentiment":"neutral","sentiment_score":0.04328140905448075,"num_words":29,"start":1587.79,"end":1599.63},{"sentences":[{"text":"So times five zero points to yep.","start":1599.63,"end":1603.9349,"sentiment":"neutral","sentiment_score":0.032556760790092606},{"text":"Minus three thirty.","start":1603.995,"end":1605.275,"sentiment":"neutral","sentiment_score":0.03263475000858307},{"text":"So even after releasing the $100 worth of equity, you still got a $150,000 worth of equity that you you are able to access to for investment purposes without paying anything extra for that loan mortgage insurance.","start":1605.275,"end":1618.59,"sentiment":"neutral","sentiment_score":0.14553559350000844},{"text":"So you're in a good position.","start":1618.65,"end":1619.95,"sentiment":"neutral","sentiment_score":0.2603841610252857},{"text":"If you were to use that same kind of, I guess, modeling, same theory of 20% LVR.","start":1620.65,"end":1626.365,"sentiment":"neutral","sentiment_score":0.07000656491693329}],"sentiment":"neutral","sentiment_score":0.12090050149708986,"num_words":70,"start":1599.63,"end":1626.365},{"sentences":[{"text":"So you 150 k for a deposit on an investment.","start":1626.585,"end":1629.725,"sentiment":"neutral","sentiment_score":0.07981958016753196},{"text":"You know, you're you're essentially looking at if you use a 100 of that 150,000, just just not release, no sale, no nothing, just through equity backing.","start":1630.985,"end":1639.61,"sentiment":"neutral","sentiment_score":-0.005347658086706091},{"text":"You're looking at 100 if you just use a 100,000 of it, then you got, you know, stamp duties and all that stuff extra.","start":1639.91,"end":1647.03,"sentiment":"neutral","sentiment_score":0.038532368994007506},{"text":"You can usually lump it onto the loan.","start":1647.03,"end":1648.87,"sentiment":"neutral","sentiment_score":0.025347604416310787},{"text":"But a 100,000 divided by zero point to yep.","start":1648.87,"end":1653.3049,"sentiment":"neutral","sentiment_score":0.06045154109597206}],"sentiment":"neutral","sentiment_score":0.029813212748521414,"num_words":78,"start":1626.585,"end":1653.3049},{"sentences":[{"text":"So you're looking at a $500,000 property purchase if you wanted, like, a units or something like that, like an investment property.","start":1653.365,"end":1659.0449,"sentiment":"neutral","sentiment_score":0.16199979998848654},{"text":"You still have act you still have a a capability of doing that just to just to give you kinda peace of mind.","start":1659.0449,"end":1666.325,"sentiment":"neutral","sentiment_score":0.32778115700120514},{"text":"But yep.","start":1666.325,"end":1667.445,"sentiment":"positive","sentiment_score":0.35740797221660614},{"text":"So if that is something that you wanted to have a conversation about in the near future, mate, we can do all that too.","start":1667.445,"end":1673.12,"sentiment":"positive","sentiment_score":0.40606314192215603},{"text":"Yeah.","start":1684.445,"end":1684.945,"sentiment":"neutral","sentiment_score":-0.01631040871143341}],"sentiment":"neutral","sentiment_score":0.29926365489761036,"num_words":72,"start":1653.365,"end":1684.945},{"sentences":[{"text":"Yep.","start":1685.325,"end":1685.725,"sentiment":"neutral","sentiment_score":0.018887154757976532},{"text":"Yep.","start":1685.725,"end":1686.225,"sentiment":"neutral","sentiment_score":0.029250897467136383},{"text":"Yeah.","start":1690.6849,"end":1691.085,"sentiment":"neutral","sentiment_score":-0.05499187111854553},{"text":"I yeah.","start":1691.085,"end":1691.565,"sentiment":"neutral","sentiment_score":-0.043768083676695824},{"text":"I'll get it.","start":1691.565,"end":1692.385,"sentiment":"neutral","sentiment_score":-0.06199537590146065}],"sentiment":"neutral","sentiment_score":-0.035047014243900776,"num_words":8,"start":1685.325,"end":1692.385},{"sentences":[{"text":"Yeah.","start":1694.4401,"end":1694.68,"sentiment":"neutral","sentiment_score":-0.031678490340709686},{"text":"No.","start":1694.68,"end":1694.76,"sentiment":"neutral","sentiment_score":-0.08114103227853775},{"text":"That's fair enough.","start":1694.76,"end":1695.56,"sentiment":"neutral","sentiment_score":-0.047078944742679596},{"text":"It says, yeah, if you've got a negatively geared property, it does cost start the starting point before the actual price of the property increases so you can increase the rent, the yield.","start":1695.56,"end":1704.7001,"sentiment":"neutral","sentiment_score":-0.13207495500418273},{"text":"Yeah.","start":1705.3201,"end":1705.56,"sentiment":"neutral","sentiment_score":-0.16049718856811523}],"sentiment":"neutral","sentiment_score":-0.12238530924495979,"num_words":39,"start":1694.4401,"end":1705.56},{"sentences":[{"text":"It's pretty tough.","start":1705.56,"end":1706.52,"sentiment":"neutral","sentiment_score":-0.28197884062925976},{"text":"It's pretty tough at times.","start":1706.52,"end":1707.64,"sentiment":"negative","sentiment_score":-0.3609542191028595},{"text":"I've seen clients pay, you know, get an investment property, I think it's a great idea, but the rents are not really in line with these higher end properties, like about 200 1.2, $1,500,000 investment property, but they can only rent out for $800.","start":1707.64,"end":1720.145,"sentiment":"neutral","sentiment_score":-0.1738870833915743},{"text":"So it ends up costing them, like, 5, yeah, $5.05 grand to $5 a month or something.","start":1720.145,"end":1725.1901,"sentiment":"neutral","sentiment_score":-0.02022195143816883},{"text":"You know?","start":1725.1901,"end":1725.77,"sentiment":"neutral","sentiment_score":-0.011148578487336636}],"sentiment":"neutral","sentiment_score":-0.15025083969091393,"num_words":71,"start":1705.56,"end":1725.77},{"sentences":[{"text":"So alright.","start":1727.43,"end":1728.15,"sentiment":"neutral","sentiment_score":-0.035980695858597755},{"text":"So no.","start":1728.15,"end":1730.4701,"sentiment":"neutral","sentiment_score":-0.12683816626667976},{"text":"That's alright.","start":1730.4701,"end":1730.9501,"sentiment":"neutral","sentiment_score":-0.0037364736199378967},{"text":"That's alright.","start":1730.9501,"end":1731.43,"sentiment":"neutral","sentiment_score":0.04705077409744263},{"text":"That's fair enough.","start":1731.43,"end":1732.41,"sentiment":"neutral","sentiment_score":0.0922918568054835}],"sentiment":"neutral","sentiment_score":0.0034424042837186294,"num_words":11,"start":1727.43,"end":1732.41},{"sentences":[{"text":"But somewhere down the track, you you more than likely will be.","start":1732.55,"end":1735.485,"sentiment":"neutral","sentiment_score":-0.059302705340087414},{"text":"Right?","start":1735.565,"end":1735.885,"sentiment":"neutral","sentiment_score":0.021886255592107773},{"text":"So just keep that in mind as part of our services.","start":1735.885,"end":1738.065,"sentiment":"neutral","sentiment_score":0.04574515484273434},{"text":"Now my this email, it's nice and short and sweet, but it's somewhere up there in the ether the the web clouds or whatever the stuff.","start":1738.445,"end":1746.525,"sentiment":"neutral","sentiment_score":0.17209755170803803},{"text":"I don't really understand how it works, but it's should be on its way to your email account now.","start":1746.525,"end":1751.83,"sentiment":"neutral","sentiment_score":0.1413996543147062}],"sentiment":"neutral","sentiment_score":0.10108087349521078,"num_words":69,"start":1732.55,"end":1751.83},{"sentences":[{"text":"So maybe just hit refresh or check junk or something to send in from osavvy@oqfinancialcom.au.","start":1752.0499,"end":1759.19,"sentiment":"neutral","sentiment_score":0.06842394421497981},{"text":"So let me know when you have received that, and we'll get into the compliance parts.","start":1759.49,"end":1765.1951,"sentiment":"neutral","sentiment_score":0.11148767406120896},{"text":"Alright?","start":1765.1951,"end":1765.6951,"sentiment":"neutral","sentiment_score":0.09748998284339903},{"text":"No.","start":1769.835,"end":1770.155,"sentiment":"neutral","sentiment_score":0.012779388576745989},{"text":"That's right.","start":1770.155,"end":1770.555,"sentiment":"neutral","sentiment_score":0.11468048766255379}],"sentiment":"neutral","sentiment_score":0.0899940655699798,"num_words":35,"start":1752.0499,"end":1770.555},{"sentences":[{"text":"That's right.","start":1770.555,"end":1770.9551,"sentiment":"neutral","sentiment_score":0.17472673207521439},{"text":"How's the morning been?","start":1770.9551,"end":1771.915,"sentiment":"neutral","sentiment_score":0.11965126730501652},{"text":"Alright?","start":1771.915,"end":1772.415,"sentiment":"neutral","sentiment_score":0.09859737753868104},{"text":"Beautiful.","start":1776.87,"end":1777.1901,"sentiment":"positive","sentiment_score":0.658116340637207},{"text":"We do work from home Thursday.","start":1777.1901,"end":1778.55,"sentiment":"positive","sentiment_score":0.4032801290353139}],"sentiment":"neutral","sentiment_score":0.2860323589827333,"num_words":14,"start":1770.555,"end":1778.55},{"sentences":[{"text":"We've got all the team to work from home on Thursdays and Fridays, and productivity has gone up, like, 30% or something.","start":1778.55,"end":1784.4701,"sentiment":"positive","sentiment_score":0.49971240623430774},{"text":"It's insane.","start":1784.4701,"end":1785.13,"sentiment":"positive","sentiment_score":0.38691702485084534},{"text":"Yeah.","start":1786.4701,"end":1786.63,"sentiment":"neutral","sentiment_score":0.06542639434337616},{"text":"Working yeah.","start":1786.63,"end":1787.35,"sentiment":"neutral","sentiment_score":0.08040143921971321},{"text":"Well, if you need no sedentary work, working a computer, and now with this modern technology, like I said, that I don't really understand that much.","start":1787.35,"end":1794.065,"sentiment":"neutral","sentiment_score":-0.005464945346690142}],"sentiment":"neutral","sentiment_score":0.22361599397406262,"num_words":53,"start":1778.55,"end":1794.065},{"sentences":[{"text":"I just stick to stocks and shares and planning.","start":1794.065,"end":1796.245,"sentiment":"neutral","sentiment_score":0.04771158637271987},{"text":"Yeah.","start":1797.265,"end":1797.505,"sentiment":"neutral","sentiment_score":0.16574254631996155},{"text":"It's it's it's amazing how how much more morale kind of as a business owner you you you get from the team.","start":1797.505,"end":1803.2999,"sentiment":"positive","sentiment_score":0.4229801825501702},{"text":"So, yeah, I'm I'm in the comfort of my own home looking at my puppy.","start":1803.2999,"end":1806.5199,"sentiment":"neutral","sentiment_score":0.17199389537175497},{"text":"Drop the kids off, and the missus in Melbourne.","start":1807.1399,"end":1809.38,"sentiment":"neutral","sentiment_score":0.06477807131078508}],"sentiment":"neutral","sentiment_score":0.23327896271699242,"num_words":56,"start":1794.065,"end":1809.38},{"sentences":[{"text":"So yeah.","start":1809.38,"end":1810.0199,"sentiment":"neutral","sentiment_score":0.05361585691571236},{"text":"Yeah.","start":1810.0199,"end":1810.2599,"sentiment":"neutral","sentiment_score":0.06298959255218506},{"text":"I can't really complain.","start":1810.2599,"end":1811.24,"sentiment":"neutral","sentiment_score":-0.02797889756038785},{"text":"Alright.","start":1812.82,"end":1813.1399,"sentiment":"neutral","sentiment_score":0.042011093348264694},{"text":"So refresh.","start":1813.1399,"end":1814.6799,"sentiment":"neutral","sentiment_score":0.008132711984217167}],"sentiment":"neutral","sentiment_score":0.01165822334587574,"num_words":10,"start":1809.38,"end":1814.6799},{"sentences":[{"text":"Maybe check your junk.","start":1814.74,"end":1815.62,"sentiment":"neutral","sentiment_score":-0.014709644950926304},{"text":"I know that sometimes it is a new email.","start":1815.62,"end":1817.88,"sentiment":"neutral","sentiment_score":-0.025137946009635925},{"text":"Yep.","start":1819.8151,"end":1820.3151,"sentiment":"neutral","sentiment_score":-0.002866016235202551},{"text":"Yeah.","start":1821.495,"end":1821.995,"sentiment":"neutral","sentiment_score":0.017268281430006027},{"text":"No.","start":1822.375,"end":1822.535,"sentiment":"neutral","sentiment_score":0.00764157809317112}],"sentiment":"neutral","sentiment_score":-0.01643976566265337,"num_words":16,"start":1814.74,"end":1822.535},{"sentences":[{"text":"That's alright.","start":1822.535,"end":1823.255,"sentiment":"neutral","sentiment_score":0.06407168321311474},{"text":"Just move it to your inbox because then all future correspondence will go straight to your inbox as well.","start":1823.255,"end":1827.995,"sentiment":"neutral","sentiment_score":0.11572050185580003},{"text":"I think you right click.","start":1831.7,"end":1833.0,"sentiment":"neutral","sentiment_score":0.0008641684893518686},{"text":"Oh, no.","start":1835.7,"end":1836.6,"sentiment":"negative","sentiment_score":-0.3802952915430069},{"text":"I hate it when that happens.","start":1837.3,"end":1838.6,"sentiment":"negative","sentiment_score":-0.6007672051588694}],"sentiment":"neutral","sentiment_score":-0.05982470793841297,"num_words":34,"start":1822.535,"end":1838.6},{"sentences":[{"text":"Mhmm.","start":1840.26,"end":1840.76,"sentiment":"neutral","sentiment_score":0.04197457432746887},{"text":"Beautiful.","start":1842.98,"end":1843.48,"sentiment":"positive","sentiment_score":0.5365728735923767},{"text":"Now you got three attachments.","start":1843.715,"end":1844.995,"sentiment":"neutral","sentiment_score":0.18638856709003448},{"text":"Let's open up the first one, the 2026 Oakview services guide.","start":1844.995,"end":1848.775,"sentiment":"neutral","sentiment_score":0.11634270372715863},{"text":"You're right.","start":1851.875,"end":1852.275,"sentiment":"neutral","sentiment_score":0.10422198101878166}],"sentiment":"neutral","sentiment_score":0.14993519932031632,"num_words":20,"start":1840.26,"end":1852.275},{"sentences":[{"text":"Let me know when you're looking at it.","start":1852.275,"end":1853.895,"sentiment":"neutral","sentiment_score":0.06769464956596494},{"text":"Beautiful.","start":1857.3,"end":1857.7001,"sentiment":"positive","sentiment_score":0.3529619574546814},{"text":"So you should be looking at the front page that says Oakley services guide and a picture of the Gold Coast and all those bits and pieces.","start":1857.7001,"end":1863.8,"sentiment":"neutral","sentiment_score":0.1611462668688209},{"text":"You're looking at that?","start":1864.1001,"end":1865.2401,"sentiment":"neutral","sentiment_score":0.040031183045357466},{"text":"Beautiful.","start":1865.9401,"end":1866.42,"sentiment":"positive","sentiment_score":0.3675585389137268}],"sentiment":"neutral","sentiment_score":0.1408085763545298,"num_words":41,"start":1852.275,"end":1866.42},{"sentences":[{"text":"So this is just gives you an idea of why we started the company.","start":1866.42,"end":1871.4149,"sentiment":"neutral","sentiment_score":0.12728769225733622},{"text":"You know, it's about about ten years ago now.","start":1871.4149,"end":1874.0549,"sentiment":"neutral","sentiment_score":-0.013433162847326862},{"text":"We we we started myself, my business partner, and his wife, we took on a whole bunch of angel investment debts and from a complete twit, to be fair, it was a bit of an asshole, but we ended up paying him out.","start":1874.0549,"end":1886.98,"sentiment":"neutral","sentiment_score":-0.07096958645554476},{"text":"So with with only hopes and dreams and no clients in the garage in Pimpama on the Gold Coast.","start":1886.98,"end":1891.72,"sentiment":"neutral","sentiment_score":-0.08486979954728954},{"text":"And somehow, we've made it work, but this was right at the time when the Royal Commission into Banking and Finance was going on in 2017.","start":1892.02,"end":1901.48,"sentiment":"neutral","sentiment_score":-0.036287362400728926}],"sentiment":"neutral","sentiment_score":-0.03555460004891093,"num_words":111,"start":1866.42,"end":1901.48},{"sentences":[{"text":"Do you did were you did you remember that?","start":1901.775,"end":1904.515,"sentiment":"neutral","sentiment_score":-0.019780964487128787},{"text":"Or no.","start":1906.3351,"end":1907.2151,"sentiment":"neutral","sentiment_score":-0.16528359800577164},{"text":"That's right.","start":1907.2151,"end":1907.6951,"sentiment":"neutral","sentiment_score":-0.10799959674477577},{"text":"So during the Royal Commission, they found that asset managers, financial planners, insurance brokers, there's a lot of people doing the wrong thing, but really bad stuff.","start":1907.6951,"end":1916.01,"sentiment":"neutral","sentiment_score":-0.3157679642792101},{"text":"So things like charging so a a a client would pass away and a multimillion dollar insurance policy will get paid out to the super fund for release from the trustee back to the the client's beneficiary.","start":1916.01,"end":1930.615,"sentiment":"neutral","sentiment_score":-0.20389272876687953}],"sentiment":"neutral","sentiment_score":-0.21810858532205804,"num_words":77,"start":1901.775,"end":1930.615},{"sentences":[{"text":"However, the client's beneficiaries, the family members didn't realize those insurance policy, so nobody really chased it up.","start":1931.155,"end":1938.1951,"sentiment":"neutral","sentiment_score":-0.2750970655017429},{"text":"So these asset managers, with knowing that these payments would get paid out, this is only one example, with knowing that the funds were there, they would actually retain those funds, not let the client's family know, and just charge exorbitant fees on it for as long as they like.","start":1938.1951,"end":1952.445,"sentiment":"negative","sentiment_score":-0.34335749357938766},{"text":"It's it's disgusting.","start":1952.445,"end":1953.4249,"sentiment":"negative","sentiment_score":-0.6106714208920797},{"text":"So but there so there's a lot of players doing the wrong thing, but there are a few of us that are trying to do the right thing.","start":1953.6449,"end":1958.625,"sentiment":"neutral","sentiment_score":-0.16491585224866867},{"text":"And that's why we start the company on the second page with the vision of being the most trusted financial aid firm in Australia, sticking to a core mission of just, you know, providing us down long term holistic financial strategies to achieve clients or, should I say, couples, families, and individuals and overall clients that have been achieve their financial goals.","start":1958.845,"end":1977.15,"sentiment":"positive","sentiment_score":0.6706811487674713}],"sentiment":"neutral","sentiment_score":0.08082578409902798,"num_words":161,"start":1931.155,"end":1977.15},{"sentences":[{"text":"And our core values, I've kinda get the team to chart the core values, and we've got about 43 of them.","start":1977.15,"end":1982.795,"sentiment":"positive","sentiment_score":0.49248697076525005},{"text":"So you can imagine how loud loud it gets.","start":1982.795,"end":1984.8151,"sentiment":"positive","sentiment_score":0.3447750575012631},{"text":"I've charted these core values every morning so no one forgets it.","start":1985.115,"end":1988.015,"sentiment":"positive","sentiment_score":0.4791761711239815},{"text":"And there's a little bit of a blurb about, you know, what what we did, why we was why we started it, and pretty much everything I just told you.","start":1988.0751,"end":1996.11,"sentiment":"neutral","sentiment_score":0.20438413210213185},{"text":"But more importantly, if you go down to the next page where you're looking at the Oakview Wealth Cycle.","start":1997.15,"end":2000.99,"sentiment":"neutral","sentiment_score":0.1329022900838601}],"sentiment":"neutral","sentiment_score":0.30606575199699665,"num_words":91,"start":1977.15,"end":2000.99},{"sentences":[{"text":"You having a look at that?","start":2000.99,"end":2002.21,"sentiment":"neutral","sentiment_score":0.05958354286849499},{"text":"So the Oakview Wealth Cycle, mate, we've and this is I've I've been fortunate enough to work in many different kind of financial arenas around the world.","start":2003.63,"end":2010.735,"sentiment":"neutral","sentiment_score":0.21128629975848728},{"text":"HSBC in Hong Kong when I just finished uni as stock broker, and then went to The UK or to to Scandia Life and all Mutual Global Investors and and then also boutique firms as well as large banks in Australia before starting this.","start":2010.975,"end":2024.52,"sentiment":"neutral","sentiment_score":0.14598675021393734},{"text":"And I can tell you that all this process is more it's not really a process.","start":2025.0801,"end":2029.4,"sentiment":"neutral","sentiment_score":0.0780794876627624},{"text":"It's more of an algorithm.","start":2029.4,"end":2030.54,"sentiment":"neutral","sentiment_score":0.0012866981327533723}],"sentiment":"neutral","sentiment_score":0.14021789442215646,"num_words":98,"start":2000.99,"end":2030.54},{"sentences":[{"text":"I've seen it work at different different areas.","start":2031.4,"end":2034.6,"sentiment":"neutral","sentiment_score":0.10890506906434894},{"text":"So let's say, CBA, for example, Commonwealth Bank, they do this approach in almost like the ladder concept.","start":2034.6,"end":2040.4149,"sentiment":"neutral","sentiment_score":0.13905378265513313},{"text":"Over in in The UK, they did, like, a baseball pitch diamond where you start at one base, go to base two, base three.","start":2040.955,"end":2047.2949,"sentiment":"neutral","sentiment_score":0.12764900146673122},{"text":"But overall, it's all the same thing.","start":2047.6749,"end":2049.84,"sentiment":"neutral","sentiment_score":0.22806507774761745},{"text":"And like I said, I've been fortunate enough to be doing this long enough to actually see it work.","start":2050.1602,"end":2054.1602,"sentiment":"positive","sentiment_score":0.35159979525365326}],"sentiment":"neutral","sentiment_score":0.19361363591528252,"num_words":76,"start":2031.4,"end":2054.1602},{"sentences":[{"text":"Right?","start":2054.1602,"end":2054.6602,"sentiment":"neutral","sentiment_score":0.11907686293125153},{"text":"So most of the time clients start as a seedling, and it's at the same time, man, I'm I'm I'm a finance nerd.","start":2054.9602,"end":2061.6802,"sentiment":"neutral","sentiment_score":0.11214188016627145},{"text":"I'm really nerdy when it comes to this stuff.","start":2061.6802,"end":2063.28,"sentiment":"negative","sentiment_score":-0.3649633957280053},{"text":"So excuse all the super corny acorn corny corny analogies and things like that.","start":2063.28,"end":2069.9949,"sentiment":"neutral","sentiment_score":-0.27019758628947393},{"text":"It just kinda comes with the nerdiness.","start":2070.375,"end":2072.155,"sentiment":"neutral","sentiment_score":-0.1994458713701793}],"sentiment":"neutral","sentiment_score":-0.10676329189704524,"num_words":54,"start":2054.1602,"end":2072.155},{"sentences":[{"text":"But if you're looking at a tree, like an oak tree, oak view, you're thinking about the tree of an oak tree.","start":2072.615,"end":2078.055,"sentiment":"neutral","sentiment_score":-0.010346305863508447},{"text":"So you start up as a seedling, no real growth plan, no strategy, no direction, just kind of a vague idea of what we discussed before, and then we move on to what what do we do next.","start":2078.055,"end":2088.92,"sentiment":"neutral","sentiment_score":-0.03503088653087616},{"text":"Alright?","start":2088.98,"end":2089.3,"sentiment":"neutral","sentiment_score":0.07249285280704498},{"text":"And that's where we move on to what we can like to call the root stage.","start":2089.3,"end":2092.52,"sentiment":"neutral","sentiment_score":0.11379472864791751},{"text":"So this is your super and insurance and also accounting taxation.","start":2092.655,"end":2096.035,"sentiment":"neutral","sentiment_score":0.1287123296748508}],"sentiment":"neutral","sentiment_score":0.019889224095756865,"num_words":88,"start":2072.615,"end":2096.035},{"sentences":[{"text":"We just refer you over to an accountant if you don't have one.","start":2096.175,"end":2098.815,"sentiment":"neutral","sentiment_score":0.11047110420006973},{"text":"Because once we start our financial journey together, work together moving forward, it's, yeah, it's more of a relationship, but, also, you do wanna make sure that you're you you have other professionals in their fields to be able to do the right job as well, which is accountants, lawyers, and mortgage brokers.","start":2098.815,"end":2115.69,"sentiment":"neutral","sentiment_score":0.21116832784324321},{"text":"So I'll get to that in a second, but that's the overall roots there.","start":2115.69,"end":2119.77,"sentiment":"neutral","sentiment_score":0.07479503963674818},{"text":"These things that work in the background that you don't really see every day on your day to day, like your bank accounts or shared portfolio, things like that.","start":2119.77,"end":2126.4548,"sentiment":"neutral","sentiment_score":0.06900859636993244},{"text":"It's it's in the background, but it's really important for your retirement because super as superannuation while you're working, your accumulating career is moving onwards to towards the age of 60 and preservation.","start":2126.4548,"end":2138.08,"sentiment":"neutral","sentiment_score":0.17574875666336578}],"sentiment":"neutral","sentiment_score":0.1512403841537069,"num_words":142,"start":2096.175,"end":2138.08},{"sentences":[{"text":"Your super is growing well for retirement, but at the same time, insurances need to be right and cover you for just the right amount, and we assess that every year to cover you for the rest of the time in case something were to happen.","start":2138.4602,"end":2149.845,"sentiment":"neutral","sentiment_score":0.12562642683801445},{"text":"Right?","start":2149.925,"end":2150.085,"sentiment":"neutral","sentiment_score":0.0397549532353878},{"text":"If you were to become TPD, you can't be a crane driver anymore.","start":2150.085,"end":2153.065,"sentiment":"neutral","sentiment_score":-0.11196921995052925},{"text":"Right?","start":2153.125,"end":2153.625,"sentiment":"neutral","sentiment_score":-0.0015949960798025131},{"text":"So that's what the insurances are for.","start":2153.925,"end":2155.525,"sentiment":"neutral","sentiment_score":-0.24200789630413055}],"sentiment":"neutral","sentiment_score":0.03922530085615376,"num_words":68,"start":2138.4602,"end":2155.525},{"sentences":[{"text":"They're this necessary evil that you kind of have to address, but I can tell you some horror stories.","start":2155.525,"end":2160.405,"sentiment":"negative","sentiment_score":-0.4439171772254141},{"text":"They are really good to have when you need them.","start":2160.405,"end":2162.58,"sentiment":"neutral","sentiment_score":0.04842942804098129},{"text":"Yeah.","start":2164.1,"end":2164.5,"sentiment":"negative","sentiment_score":-0.3584005832672119},{"text":"Being over insured is just as bad as being underinsured.","start":2164.5,"end":2166.9202,"sentiment":"negative","sentiment_score":-0.6063544571399688},{"text":"So you you identified you're underinsured.","start":2167.06,"end":2169.1602,"sentiment":"neutral","sentiment_score":-0.22896267473697662}],"sentiment":"negative","sentiment_score":-0.34230115847743076,"num_words":46,"start":2155.525,"end":2169.1602},{"sentences":[{"text":"You think you need a bit more insurance.","start":2169.22,"end":2170.9202,"sentiment":"negative","sentiment_score":-0.4070439971983433},{"text":"So we can calculate the exact dollar figure that you actually need and what your life's worth.","start":2170.98,"end":2175.6401,"sentiment":"neutral","sentiment_score":-0.04771348330027917},{"text":"Small business itself.","start":2175.78,"end":2177.0,"sentiment":"neutral","sentiment_score":-0.05162201325098673},{"text":"If you yeah.","start":2177.925,"end":2179.2852,"sentiment":"neutral","sentiment_score":-0.054051320999860764},{"text":"We yeah.","start":2179.2852,"end":2180.085,"sentiment":"neutral","sentiment_score":0.06107986345887184}],"sentiment":"neutral","sentiment_score":-0.1291618627129179,"num_words":33,"start":2169.22,"end":2180.085},{"sentences":[{"text":"We can work it out.","start":2180.085,"end":2180.885,"sentiment":"neutral","sentiment_score":0.2103850781917572},{"text":"And it's just it's just to make sure.","start":2180.885,"end":2182.3252,"sentiment":"neutral","sentiment_score":0.09622748289257288},{"text":"Because if you if you over insured and you come for a million bucks and you only got a $500,000 mortgage, then you're paying all these extra premiums to a company that the best case scenario is you don't claim because nothing happens.","start":2182.3252,"end":2194.2898,"sentiment":"neutral","sentiment_score":-0.19676650670725246},{"text":"And then you don't get a refund of all your all the premiums you paid your whole life.","start":2194.43,"end":2197.7898,"sentiment":"negative","sentiment_score":-0.34421437564823365},{"text":"But if you so we try but if you're paying for extra that you don't need, it's just wasting your money.","start":2197.7898,"end":2203.3298,"sentiment":"negative","sentiment_score":-0.4979228192851657}],"sentiment":"neutral","sentiment_score":-0.24517318422072812,"num_words":95,"start":2180.085,"end":2203.3298},{"sentences":[{"text":"But at the same time, underinsured, all the premiums you're paying for that life and TPD inside CBAS, you for being underinsured, that's not gonna suit your needs if something were to happen.","start":2204.67,"end":2213.335,"sentiment":"negative","sentiment_score":-0.4537145283186074},{"text":"So what's the point paying for it at all?","start":2213.335,"end":2215.195,"sentiment":"neutral","sentiment_score":-0.2222076969014274},{"text":"Yeah.","start":2223.28,"end":2223.78,"sentiment":"neutral","sentiment_score":-0.10294657945632936},{"text":"Correct, sir.","start":2225.68,"end":2226.48,"sentiment":"neutral","sentiment_score":0.022692655213177204},{"text":"So it definitely is really important to, you know, make sure that along the journey because the more and ideally, the best outcome is being self insured, and that's not having to pay some other bloke a premium to cover your needs because you can cover them yourself.","start":2226.48,"end":2238.725,"sentiment":"neutral","sentiment_score":0.13609415269456804}],"sentiment":"neutral","sentiment_score":-0.11287624350879141,"num_words":93,"start":2204.67,"end":2238.725},{"sentences":[{"text":"Right?","start":2239.185,"end":2239.5051,"sentiment":"neutral","sentiment_score":0.12983667850494385},{"text":"So that's mortgage paid out and all that.","start":2239.5051,"end":2241.425,"sentiment":"neutral","sentiment_score":0.03927401825785637},{"text":"So over time, as your wealth grows, we wanna reduce that some insured insure insurance policy to make sure that you're paying as little as possible in the event that something doesn't happen, which is the best case event.","start":2241.425,"end":2252.32,"sentiment":"neutral","sentiment_score":0.07366132497405395},{"text":"Right?","start":2252.3801,"end":2252.86,"sentiment":"neutral","sentiment_score":0.09849144518375395},{"text":"And try and get that down as much as possible so we can address all that.","start":2252.86,"end":2256.24,"sentiment":"neutral","sentiment_score":0.09128719894215465}],"sentiment":"neutral","sentiment_score":0.07501395579714042,"num_words":65,"start":2239.185,"end":2256.24},{"sentences":[{"text":"But after that, once we once we set up those foundational roots, then we move on to this the area we like to call the trunk, the foundations.","start":2256.3801,"end":2262.6401,"sentiment":"neutral","sentiment_score":0.06389933239136424},{"text":"So this needs to be really sturdy.","start":2263.045,"end":2264.565,"sentiment":"neutral","sentiment_score":-0.005645757906937173},{"text":"You need to get on top of your cash flow and budgeting.","start":2264.565,"end":2266.5051,"sentiment":"neutral","sentiment_score":0.2863596888879935},{"text":"Have you got a budget?","start":2266.565,"end":2267.625,"sentiment":"neutral","sentiment_score":0.112772336602211},{"text":"I can send you through, you know, a MoneySmart budget calculator.","start":2273.525,"end":2277.125,"sentiment":"positive","sentiment_score":0.416901867498051}],"sentiment":"neutral","sentiment_score":0.16405967450405043,"num_words":63,"start":2256.3801,"end":2277.125},{"sentences":[{"text":"It's really useful tool.","start":2277.125,"end":2278.35,"sentiment":"positive","sentiment_score":0.6531328707933426},{"text":"It's essentially, like, starting to treat your money almost like a well trained dog.","start":2278.9102,"end":2283.33,"sentiment":"positive","sentiment_score":0.4258012963192804},{"text":"It sounds weird, but just hear me out.","start":2284.11,"end":2285.9502,"sentiment":"neutral","sentiment_score":-0.005216913763433695},{"text":"So, you know, if you give the dog a bone, you say, but dog, go to market, bring me a bigger bone.","start":2285.9502,"end":2291.79,"sentiment":"neutral","sentiment_score":0.08212781765244224},{"text":"That dog is loyalty.","start":2291.79,"end":2292.885,"sentiment":"neutral","sentiment_score":0.20255199074745178}],"sentiment":"neutral","sentiment_score":0.21440450524768004,"num_words":52,"start":2277.125,"end":2292.885},{"sentences":[{"text":"So go to the market or bring back a bigger bone and, you know, you give it a pat, give it a scratch, and say, right.","start":2292.885,"end":2297.925,"sentiment":"neutral","sentiment_score":0.11644809908018662},{"text":"Well, here's the bone again.","start":2297.925,"end":2299.285,"sentiment":"neutral","sentiment_score":0.08464450240135193},{"text":"Go out there and take bring me a bigger bone.","start":2299.285,"end":2301.365,"sentiment":"neutral","sentiment_score":0.14560355320572854},{"text":"And it'll carry on doing that.","start":2301.365,"end":2302.725,"sentiment":"neutral","sentiment_score":0.13970625524719557},{"text":"But what usually happens is more often than not, you get such a big the bone grows into such a big return that, you know, you lose kind of you lose loyalty with it with that dog that's actually the vehicle that's getting you the return of the bigger bone.","start":2302.725,"end":2315.88,"sentiment":"neutral","sentiment_score":-0.05406074162572622}],"sentiment":"neutral","sentiment_score":0.03136194917882226,"num_words":97,"start":2292.885,"end":2315.88},{"sentences":[{"text":"And you start keeping that bone for yourself, talking to mates, and you stop playing with the dog.","start":2315.88,"end":2319.8,"sentiment":"neutral","sentiment_score":0.021510164356893964},{"text":"And what happens is you lose that relationship with the dog or the money, and what more more often than not we see is that that dog will start taking that phone elsewhere.","start":2319.8,"end":2329.825,"sentiment":"neutral","sentiment_score":-0.3281193750374245},{"text":"Right?","start":2330.365,"end":2330.865,"sentiment":"neutral","sentiment_score":-0.012445945292711258},{"text":"So really important to get on top of that cash flow and budgeting and create that relationship, that strong bond with your with your income, with your cash flow, knowing where everything's at.","start":2331.085,"end":2340.03,"sentiment":"positive","sentiment_score":0.5046509865558508},{"text":"Next up, we like to create some nondeductible debts.","start":2340.65,"end":2343.77,"sentiment":"neutral","sentiment_score":0.22559096415837607}],"sentiment":"neutral","sentiment_score":0.08755956245388122,"num_words":94,"start":2315.88,"end":2343.77},{"sentences":[{"text":"So family homes are good PBR like you've got now.","start":2343.77,"end":2346.17,"sentiment":"positive","sentiment_score":0.4876212924718857},{"text":"It's a really good starting point to do exactly what you're doing now.","start":2346.17,"end":2350.01,"sentiment":"positive","sentiment_score":0.6491327606714689},{"text":"You know, releasing equity so that you can get further investments like investment properties or shares, something like that down the track because in Australia, investments are amazing.","start":2350.01,"end":2361.5251,"sentiment":"positive","sentiment_score":0.40993449091911316},{"text":"In Australia, you know, we we pay some of the highest, I think we're, like, twenty fourth or twenty third highest marginal tax rate on the planet out of all 200 countries or whatever there is.","start":2361.5251,"end":2370.8599,"sentiment":"positive","sentiment_score":0.34244244835442966},{"text":"But in saying that we are number one in terms of investing and being an investment haven.","start":2371.24,"end":2376.22,"sentiment":"neutral","sentiment_score":0.2895524070105132}],"sentiment":"positive","sentiment_score":0.40426368864539725,"num_words":104,"start":2343.77,"end":2376.22},{"sentences":[{"text":"And the reason for that is because we're the only country in the world where you can deduct a 100% of the investment interest that we pay.","start":2377.0798,"end":2383.66,"sentiment":"neutral","sentiment_score":0.15728961290032775},{"text":"And where else does that?","start":2384.375,"end":2385.675,"sentiment":"neutral","sentiment_score":0.05914951041340828},{"text":"And being a tax paying such high taxes, you wanna be able to deduct those kind of those types of taxes, right, being the highest.","start":2386.855,"end":2395.835,"sentiment":"neutral","sentiment_score":0.05015420287847519},{"text":"So it's it's such a haven that we've literally had to put a cap on international investment from China because they were just buying up land, not caring if, you know, sky rises and things, not caring if if you'd probably know about all this in your line of work.","start":2396.3,"end":2411.1152,"sentiment":"neutral","sentiment_score":0.1637308806180954},{"text":"But, yeah, they only 50% international investment can go towards a new build of a of a commercial sky rise or residential sky rise because, you know, yeah, there's lots of money flowing in internationally because they only rent land for ninety nine years.","start":2411.1152,"end":2425.82,"sentiment":"neutral","sentiment_score":0.1461429422382604}],"sentiment":"neutral","sentiment_score":0.1351871235875894,"num_words":151,"start":2377.0798,"end":2425.82},{"sentences":[{"text":"Why would you do that when you got that kind of money to buy buy skyscrapers and, you know, hold the land forever with an appreciating or some of the best appreciating property values on earth.","start":2425.82,"end":2437.105,"sentiment":"neutral","sentiment_score":0.12474732597668965},{"text":"So we've had to limit that to only a 50% international.","start":2437.485,"end":2440.205,"sentiment":"neutral","sentiment_score":-0.0024968050420284267},{"text":"The rest has to be domestic.","start":2440.205,"end":2441.5051,"sentiment":"neutral","sentiment_score":-0.023410376782218616},{"text":"So property's a really good place to start, but if it's your primary place of residence, as you know, if you can't deduct the interest on your payments.","start":2441.645,"end":2448.785,"sentiment":"neutral","sentiment_score":0.20925950312188693},{"text":"So what we wanna do is create that relationship, get the family home or private place residence, pay off to a point where you can leverage to get an another investment, and then just build from there and use OPM.","start":2449.6702,"end":2462.6501,"sentiment":"positive","sentiment_score":0.4087754301726818}],"sentiment":"neutral","sentiment_score":0.21928313977954803,"num_words":121,"start":2425.82,"end":2462.6501},{"sentences":[{"text":"You know, the concept of other people's money, OPM?","start":2462.7102,"end":2465.175,"sentiment":"neutral","sentiment_score":0.16452342685725954},{"text":"Or yeah.","start":2465.2349,"end":2467.555,"sentiment":"neutral","sentiment_score":0.1614292562007904},{"text":"So I'll just do yeah.","start":2467.555,"end":2469.635,"sentiment":"neutral","sentiment_score":0.1974489778280258},{"text":"I'll I'll give a brief description, and let me know if it kind if if it makes sense.","start":2469.635,"end":2473.4749,"sentiment":"neutral","sentiment_score":0.16782495338055822},{"text":"But if you got, say, $10, right, $10,000, you invested in anything, shares, property, whatever it might be, the the the pen and the pad that you're looking at, that goes up by 10% in a year.","start":2473.4749,"end":2484.75,"sentiment":"positive","sentiment_score":0.4127910169395241}],"sentiment":"neutral","sentiment_score":0.29697085958971103,"num_words":71,"start":2462.7102,"end":2484.75},{"sentences":[{"text":"You've made a thousand dollars.","start":2484.75,"end":2486.1301,"sentiment":"positive","sentiment_score":0.6890856504440308},{"text":"Right?","start":2486.27,"end":2486.77,"sentiment":"positive","sentiment_score":0.4730415344238281},{"text":"Congratulations.","start":2486.83,"end":2487.33,"sentiment":"neutral","sentiment_score":0.06597483903169632},{"text":"But if you take the same $10,000 and you put it to you go to an investment bank or just any normal bank, JPMorgan Chase, something like that, you go, hey.","start":2488.1902,"end":2497.835,"sentiment":"neutral","sentiment_score":0.04749137667878982},{"text":"I wanna borrow $90,000 to make my total value of my portfolio a 100.","start":2497.835,"end":2502.8948,"sentiment":"neutral","sentiment_score":0.08407444001308509}],"sentiment":"neutral","sentiment_score":0.12757152813271835,"num_words":52,"start":2484.75,"end":2502.8948},{"sentences":[{"text":"They go, yep.","start":2502.9548,"end":2503.595,"sentiment":"neutral","sentiment_score":0.04023607820272446},{"text":"Not a problem.","start":2503.595,"end":2504.1548,"sentiment":"neutral","sentiment_score":0.19509988526503244},{"text":"We'll give you $90, but you gotta pay us 5% interest just for number six per annum right on that facility.","start":2504.1548,"end":2509.98,"sentiment":"neutral","sentiment_score":0.08916533099753517},{"text":"So that's what?","start":2510.44,"end":2511.4,"sentiment":"neutral","sentiment_score":0.08391591409842174},{"text":"5% of 9 $90 is 45,000 4,500 a year.","start":2511.4,"end":2516.6199,"sentiment":"neutral","sentiment_score":0.07928438319100274}],"sentiment":"neutral","sentiment_score":0.09086633416322562,"num_words":39,"start":2502.9548,"end":2516.6199},{"sentences":[{"text":"So you go, not a problem.","start":2516.8398,"end":2518.2,"sentiment":"neutral","sentiment_score":0.2595839649438858},{"text":"Sign the paperwork.","start":2518.2,"end":2519.0,"sentiment":"neutral","sentiment_score":0.1930870066086451},{"text":"But now you've got your initial 10,000 plus another 90,000 of OPM, other people's money.","start":2519.0,"end":2524.035,"sentiment":"neutral","sentiment_score":0.3045400490363439},{"text":"And then you say take out that a $100 as a total, put it in the exact same investment that makes the exact same 10% in that exact same year.","start":2524.035,"end":2532.055,"sentiment":"neutral","sentiment_score":0.2796875427166621},{"text":"Now you've got $10,000, but you gotta pay OPM back.","start":2532.115,"end":2535.51,"sentiment":"neutral","sentiment_score":0.19736516177654267}],"sentiment":"neutral","sentiment_score":0.2667053663171828,"num_words":64,"start":2516.8398,"end":2535.51},{"sentences":[{"text":"So you pay him back for 4,500.","start":2535.51,"end":2537.59,"sentiment":"neutral","sentiment_score":0.22067167929240636},{"text":"What you're left with is $5,500 on the exact same $10,000 outlay.","start":2537.59,"end":2543.43,"sentiment":"positive","sentiment_score":0.35611064235369366},{"text":"So that's a 55% return in a year compared to 10 for the same vehicle.","start":2543.43,"end":2548.17,"sentiment":"positive","sentiment_score":0.35107409755388896},{"text":"You know what I mean?","start":2548.31,"end":2549.205,"sentiment":"neutral","sentiment_score":0.0915431872010231},{"text":"So that's that's not only that.","start":2549.205,"end":2550.885,"sentiment":"neutral","sentiment_score":0.16408357893427214}],"sentiment":"neutral","sentiment_score":0.27836351858245,"num_words":45,"start":2535.51,"end":2550.885},{"sentences":[{"text":"That's the gear that's the gearing side of things, but all the interest, that 5%, you can deduct a 100% of it.","start":2550.885,"end":2557.8452,"sentiment":"neutral","sentiment_score":0.17344786328348247},{"text":"If it's an interest only loan, you can deduct a 100% on your repayment in Australia, which is incredible.","start":2557.8452,"end":2563.33,"sentiment":"neutral","sentiment_score":0.3286878568561454},{"text":"Alright?","start":2564.27,"end":2564.77,"sentiment":"neutral","sentiment_score":0.2943893074989319},{"text":"So that's what we're trying to work towards.","start":2564.99,"end":2566.75,"sentiment":"neutral","sentiment_score":0.18577321991324425},{"text":"But overall, in that trunk stage, we move on to getting rid of any bad debt, credit cards, anything like that.","start":2566.75,"end":2571.8901,"sentiment":"neutral","sentiment_score":-0.03701631902229218}],"sentiment":"neutral","sentiment_score":0.15583316394141022,"num_words":71,"start":2550.885,"end":2571.8901},{"sentences":[{"text":"You know, Zip pays.","start":2572.43,"end":2573.31,"sentiment":"neutral","sentiment_score":0.01302029937505722},{"text":"If there's no interest, it's still bad debt because you got debts.","start":2573.31,"end":2577.395,"sentiment":"neutral","sentiment_score":-0.26937516406178474},{"text":"Bad debts is essentially debt that you can't deduct.","start":2577.395,"end":2579.955,"sentiment":"neutral","sentiment_score":-0.29985715448856354},{"text":"So a primary place of residence is bad debt, to be fair.","start":2579.955,"end":2583.0151,"sentiment":"neutral","sentiment_score":-0.07828148547559977},{"text":"And then estate planning.","start":2583.795,"end":2584.915,"sentiment":"neutral","sentiment_score":0.06289698928594589}],"sentiment":"neutral","sentiment_score":-0.16016890317565058,"num_words":41,"start":2572.43,"end":2584.915},{"sentences":[{"text":"So lawyers, wills, power of attorney, stuff like that.","start":2584.915,"end":2587.44,"sentiment":"neutral","sentiment_score":0.10269395013650258},{"text":"So once we got those set up, then we start really accelerating that kind of stages where where the the overall process gets kinda sexy.","start":2587.52,"end":2595.7,"sentiment":"neutral","sentiment_score":0.2541921278834343},{"text":"I've seen those clients reach the stage within about five years after getting a private place of residence.","start":2596.0798,"end":2601.725,"sentiment":"positive","sentiment_score":0.3931662340958913},{"text":"So you're already you're in you're already kind of in the trunk stage.","start":2601.725,"end":2604.6052,"sentiment":"positive","sentiment_score":0.3901938543869899},{"text":"We just need to tidy up a few steps along the way.","start":2604.6052,"end":2607.185,"sentiment":"neutral","sentiment_score":0.25101880729198456}],"sentiment":"neutral","sentiment_score":0.29143878904642995,"num_words":77,"start":2584.915,"end":2607.185},{"sentences":[{"text":"So the next step would be looking at that branching out region where you really start accelerating borrowing money against equity so that you can build a portfolio that's all working harder for you.","start":2607.725,"end":2618.49,"sentiment":"neutral","sentiment_score":0.2885174768812516},{"text":"So that not only your share portfolio that you're building up, but let's say a property or commercials, property or factories, you know, you can you can really start generating some good income from that where you can maybe go part time or work as a great driver.","start":2618.8699,"end":2632.175,"sentiment":"positive","sentiment_score":0.5376473385840654},{"text":"And then, eventually, all the income that you're receiving from that, you will you'll be able to sustain yourself and your family off.","start":2632.175,"end":2639.615,"sentiment":"positive","sentiment_score":0.6813334174778151},{"text":"So what's the point of working anymore?","start":2639.615,"end":2641.3152,"sentiment":"neutral","sentiment_score":-0.0010078525436776026},{"text":"Alright.","start":2643.4001,"end":2643.9001,"sentiment":"neutral","sentiment_score":0.2209674566984177}],"sentiment":"positive","sentiment_score":0.45576325271575324,"num_words":113,"start":2607.725,"end":2643.9001},{"sentences":[{"text":"And then then the next kind of stage is the blooming stage.","start":2643.96,"end":2647.0,"sentiment":"neutral","sentiment_score":0.23473323633273444},{"text":"So you got all the branches out and you start blooming.","start":2647.0,"end":2649.34,"sentiment":"neutral","sentiment_score":0.32523575154217804},{"text":"All flowers open up, this is when you start retiring.","start":2649.56,"end":2652.12,"sentiment":"positive","sentiment_score":0.339012947678566},{"text":"When you stop when you start winding down from work, you've got enough to facilitate your lifestyle from income.","start":2652.12,"end":2657.295,"sentiment":"positive","sentiment_score":0.38382748239918757},{"text":"This is where we get really sexy in our in our line of work where we try and and one of my favorite parts is we when you sell assets and when you start retiring, you gotta kinda wind everything up.","start":2657.775,"end":2668.9949,"sentiment":"positive","sentiment_score":0.42572206658561057}],"sentiment":"positive","sentiment_score":0.37131019865953796,"num_words":93,"start":2643.96,"end":2668.9949},{"sentences":[{"text":"What happens is you sell it, you gotta pay tax.","start":2669.055,"end":2671.2,"sentiment":"neutral","sentiment_score":0.12921182438731194},{"text":"You gotta pay capital gains tax, and that's nowhere near as beneficial if it passes at 30% instead of 50% capital gains tax discount.","start":2671.2,"end":2678.02,"sentiment":"neutral","sentiment_score":-0.007009200033886979},{"text":"Right?","start":2678.0798,"end":2678.5798,"sentiment":"neutral","sentiment_score":0.14027103781700134},{"text":"So we work our ways to try and mitigate that liability as much as humanly possible with TTR strategies to the transition to retirement strategies, trust structures, self managed super funds that are in there as well.","start":2678.8,"end":2690.9548,"sentiment":"neutral","sentiment_score":0.25165241856027293},{"text":"Any sort of Social Security strategies, if you can be in a position to utilize government pensions and things or Social Security benefits, they do it because it's the same tax dollar bills that you're paying for it in the first place.","start":2691.255,"end":2705.13,"sentiment":"positive","sentiment_score":0.34330789780332926}],"sentiment":"neutral","sentiment_score":0.2192477164504102,"num_words":114,"start":2669.055,"end":2705.13},{"sentences":[{"text":"So I highly recommend try to get as much as we can out of that as possible.","start":2705.27,"end":2709.05,"sentiment":"positive","sentiment_score":0.6215087964254267},{"text":"And then after you've done all that that whole process, you get to the the seeding stage.","start":2709.19,"end":2713.45,"sentiment":"neutral","sentiment_score":0.2356027664945406},{"text":"And I like to think of financial freedom as or the your financial journey as a whole through your life as a circle because you've got the kids as well.","start":2713.625,"end":2722.505,"sentiment":"positive","sentiment_score":0.6636745671431223},{"text":"Right?","start":2722.505,"end":2722.905,"sentiment":"positive","sentiment_score":0.4887574017047882},{"text":"So when you get to that stage, you can reap the rewards of all your hard work, drop that seed down, and then your kids are essentially starting at the seeding stage again.","start":2722.905,"end":2731.42,"sentiment":"positive","sentiment_score":0.7388284603754679}],"sentiment":"positive","sentiment_score":0.6056247977349831,"num_words":98,"start":2705.27,"end":2731.42},{"sentences":[{"text":"And it's you know, they essentially have to brave the weathers and the storms and the floods and the rains and whatever else.","start":2732.44,"end":2738.28,"sentiment":"positive","sentiment_score":0.4564123464667279},{"text":"But if there's a big canopy of a, you know, strong foundation over them, then it's gonna make it a lot easier in their lives to grow.","start":2738.28,"end":2746.165,"sentiment":"positive","sentiment_score":0.658323449117166},{"text":"Right?","start":2746.225,"end":2746.725,"sentiment":"neutral","sentiment_score":0.26549747586250305},{"text":"Does that make sense?","start":2749.2651,"end":2750.3252,"sentiment":"neutral","sentiment_score":0.2283588983118534},{"text":"Or beautiful.","start":2751.985,"end":2752.885,"sentiment":"positive","sentiment_score":0.5504270493984222}],"sentiment":"positive","sentiment_score":0.5360000747860524,"num_words":57,"start":2732.44,"end":2752.885},{"sentences":[{"text":"So we're looking at this roots and trunk stage, looking at your goals and objectives.","start":2752.945,"end":2756.885,"sentiment":"neutral","sentiment_score":0.265943984190623},{"text":"There's different fees for different strategies because different strategies mean more work.","start":2757.15,"end":2761.3098,"sentiment":"neutral","sentiment_score":0.09414305662115414},{"text":"Right?","start":2761.3098,"end":2761.8098,"sentiment":"neutral","sentiment_score":0.08788175135850906},{"text":"So this this consultation is completely free, but I'll get to I'll get to the fees in a second.","start":2761.95,"end":2766.8298,"sentiment":"neutral","sentiment_score":0.12454183497711231},{"text":"If you go skip down a little bit, you gotta meet our experienced team.","start":2766.8298,"end":2770.125,"sentiment":"neutral","sentiment_score":0.10856985779745239}],"sentiment":"neutral","sentiment_score":0.14906608307215033,"num_words":61,"start":2752.945,"end":2770.125},{"sentences":[{"text":"That's just a breakdown of how we started, what I told you in the beginning of this conversation.","start":2770.605,"end":2774.465,"sentiment":"neutral","sentiment_score":0.18216167390346527},{"text":"If you wanna put a pace to the name, I've got a lot more city miles on me than that.","start":2774.765,"end":2778.625,"sentiment":"neutral","sentiment_score":0.13282546326518058},{"text":"It's just very airbrushed.","start":2779.325,"end":2780.625,"sentiment":"neutral","sentiment_score":0.19787346944212914},{"text":"It can do magic.","start":2780.765,"end":2781.745,"sentiment":"neutral","sentiment_score":0.30010154098272324},{"text":"But, yeah, that's my that's me, Severiano Zato.","start":2781.965,"end":2784.925,"sentiment":"neutral","sentiment_score":0.17620187439024448}],"sentiment":"neutral","sentiment_score":0.17290619319235837,"num_words":54,"start":2770.605,"end":2784.925},{"sentences":[{"text":"Severi is a lot easier.","start":2784.925,"end":2786.065,"sentiment":"positive","sentiment_score":0.37421263456344606},{"text":"That's my titles and all the licenses and degrees and whatever else.","start":2786.58,"end":2790.12,"sentiment":"neutral","sentiment_score":0.22709359228610992},{"text":"I spent way too much money doing.","start":2790.1802,"end":2792.12,"sentiment":"neutral","sentiment_score":0.034800310752221515},{"text":"But to put me in, fortunately, a position in, there's a little blurb about how amazing we are for each of us.","start":2793.3,"end":2798.58,"sentiment":"positive","sentiment_score":0.45965471592816437},{"text":"Feel free to read that in your own time.","start":2798.58,"end":2800.1802,"sentiment":"neutral","sentiment_score":0.21860488090250227}],"sentiment":"neutral","sentiment_score":0.30762974789196795,"num_words":55,"start":2784.925,"end":2800.1802},{"sentences":[{"text":"My business partner, Bart, he does already practice.","start":2800.1802,"end":2803.085,"sentiment":"neutral","sentiment_score":0.25455751456320286},{"text":"He worked from the background and does a lot of the stuff that I hate, like the accounts and whatever else.","start":2803.545,"end":2808.505,"sentiment":"neutral","sentiment_score":0.1568625509029343},{"text":"So we work well together.","start":2808.505,"end":2809.805,"sentiment":"positive","sentiment_score":0.38283251523971557},{"text":"And then there's a whole team behind us.","start":2809.945,"end":2812.025,"sentiment":"neutral","sentiment_score":0.25873932614922523},{"text":"Like I said, these are these are the advice team, but we behind every adviser, there's two admins, a power planner, and oversee support as well.","start":2812.025,"end":2821.1099,"sentiment":"neutral","sentiment_score":0.15939067690991437}],"sentiment":"neutral","sentiment_score":0.197923653978197,"num_words":68,"start":2800.1802,"end":2821.1099},{"sentences":[{"text":"So you can imagine the team I think we got about 43 employees.","start":2821.1099,"end":2824.49,"sentiment":"neutral","sentiment_score":0.06812433927105023},{"text":"The whole purpose of showing you that is to show depth of company so that, you know, if I'm not available for whatever reason, if you wanna reach out and just get in touch with me, have a chat or do an annual review, anything along those lines, just just a general catch up.","start":2824.7898,"end":2838.575,"sentiment":"neutral","sentiment_score":0.13626051970102168},{"text":"I'm more than welcome to give us a call at any time.","start":2838.575,"end":2840.64,"sentiment":"neutral","sentiment_score":0.30328615258137387},{"text":"But if I'm not available and it's important, there will always be someone there to help you out.","start":2840.72,"end":2844.98,"sentiment":"neutral","sentiment_score":0.06276214036107478},{"text":"K?","start":2845.5999,"end":2846.0999,"sentiment":"neutral","sentiment_score":0.18548160791397095}],"sentiment":"neutral","sentiment_score":0.13467671877314927,"num_words":98,"start":2821.1099,"end":2846.0999},{"sentences":[{"text":"Beautiful.","start":2847.44,"end":2847.94,"sentiment":"positive","sentiment_score":0.6758891344070435},{"text":"The next is mostly compliance.","start":2848.64,"end":2850.4,"sentiment":"neutral","sentiment_score":0.276148122549057},{"text":"They're compliant with the telephone call regulatory guides.","start":2850.4,"end":2853.1199,"sentiment":"neutral","sentiment_score":0.19946071691811085},{"text":"We've we're we're legislated.","start":2853.1199,"end":2854.74,"sentiment":"neutral","sentiment_score":0.1195408534258604},{"text":"We run our own Australian financial services license, the same license to that of the large insurance companies and big banks.","start":2855.0398,"end":2861.675,"sentiment":"neutral","sentiment_score":0.0997764640265987}],"sentiment":"neutral","sentiment_score":0.15963550360921103,"num_words":39,"start":2847.44,"end":2861.675},{"sentences":[{"text":"Usually, when you've got a financial firm like ours, like, a little bit more boutique, usually, what happens is we work underneath an AFSL like, CommBank or Westpac or something.","start":2861.975,"end":2872.01,"sentiment":"neutral","sentiment_score":0.06211114954203367},{"text":"But part of the vision of being the most trusted financial planning firm in Australia is that I should be able to give my clients a recommendation of whatever products in their best interest.","start":2872.01,"end":2882.205,"sentiment":"neutral","sentiment_score":0.2815403804621276},{"text":"Right?","start":2882.685,"end":2883.185,"sentiment":"neutral","sentiment_score":0.09777164459228516},{"text":"That's kind of how it works.","start":2883.885,"end":2885.405,"sentiment":"neutral","sentiment_score":0.09798266862829526},{"text":"But if I'm licensed on the CommBank, I'm sure they wouldn't be very happy about me recommending a BT product, which is a Westpac product.","start":2885.405,"end":2892.465,"sentiment":"neutral","sentiment_score":-0.19596996068954467}],"sentiment":"neutral","sentiment_score":0.07523047980309154,"num_words":96,"start":2861.975,"end":2892.465},{"sentences":[{"text":"Right?","start":2893.085,"end":2893.485,"sentiment":"neutral","sentiment_score":-0.014011304825544356},{"text":"So so it's not really when you license on those bigger banks, it's I've been in the industry for a while.","start":2893.485,"end":2899.34,"sentiment":"neutral","sentiment_score":-0.0174214317951174},{"text":"You you notice that 99.99999% of the time, advisers that work in banks are all licensed under the an AF certain AFSL.","start":2899.34,"end":2908.8,"sentiment":"neutral","sentiment_score":0.012949261645024473},{"text":"They are more than more than likely, almost every time, recommending their principal AFSL's products because they get commission and kickbacks and KPIs.","start":2909.2852,"end":2918.0251,"sentiment":"neutral","sentiment_score":0.05890185466927031},{"text":"We didn't want that because we wanted to be able to recommend any product on the on the planet.","start":2918.485,"end":2922.665,"sentiment":"neutral","sentiment_score":0.13419380205634393}],"sentiment":"neutral","sentiment_score":0.04429589860617768,"num_words":86,"start":2893.085,"end":2922.665},{"sentences":[{"text":"And we applied for our own ASL.","start":2923.7798,"end":2925.38,"sentiment":"neutral","sentiment_score":0.13392980609621322},{"text":"I think about my the second second youngest firm to get approved of actually going through the asset routes and getting getting your ASL from starting from scratch.","start":2925.38,"end":2936.1199,"sentiment":"neutral","sentiment_score":0.21394395881465503},{"text":"Right?","start":2936.7449,"end":2936.9048,"sentiment":"neutral","sentiment_score":0.24591460824012756},{"text":"Which was pretty pretty good achievement based on experience and whatever else.","start":2936.9048,"end":2940.9849,"sentiment":"positive","sentiment_score":0.4620816335082054},{"text":"But that's a little bit of a breakdown on what the we what our license is and that's that AFSL.","start":2940.9849,"end":2947.2449,"sentiment":"neutral","sentiment_score":0.0057107402943074705}],"sentiment":"neutral","sentiment_score":0.18872130155453787,"num_words":68,"start":2923.7798,"end":2947.2449},{"sentences":[{"text":"But within that, we are regulated under the Corporations Act, ASIC, APRA, absolutely everybody under the sun to make sure that we can't run away with your money or wander us or anything like that.","start":2948.36,"end":2959.26,"sentiment":"neutral","sentiment_score":0.03110837893826621},{"text":"Okay?","start":2959.32,"end":2959.82,"sentiment":"neutral","sentiment_score":0.025651421397924423},{"text":"And then how to connect with us is a little bit more about our information of compliance manager.","start":2960.945,"end":2965.825,"sentiment":"neutral","sentiment_score":0.11547681006292503},{"text":"That's essentially myself and Bart.","start":2965.825,"end":2967.605,"sentiment":"neutral","sentiment_score":0.1838067203760147},{"text":"There's our advice team and nice little picture.","start":2967.665,"end":2969.825,"sentiment":"neutral","sentiment_score":0.28169931657612324}],"sentiment":"neutral","sentiment_score":0.09500978208744704,"num_words":67,"start":2948.36,"end":2969.825},{"sentences":[{"text":"And the next kind of little bit is what I call OVA.","start":2969.825,"end":2973.825,"sentiment":"neutral","sentiment_score":0.19501841192444166},{"text":"Just this idea came up with where it's a proud collaboration of expertise.","start":2973.825,"end":2978.86,"sentiment":"positive","sentiment_score":0.34051276399539065},{"text":"So even though I've got all the qualifications to be able to be an accountant, had all the education and know how it works, I'm not registered with the tax practitioners board because of that.","start":2979.08,"end":2989.0,"sentiment":"neutral","sentiment_score":-0.020526340710265295},{"text":"I couldn't think of anything more boring or worse than being an accountant.","start":2989.0,"end":2991.9001,"sentiment":"neutral","sentiment_score":-0.1903965765467057},{"text":"Right?","start":2992.905,"end":2993.225,"sentiment":"neutral","sentiment_score":-0.05775716155767441}],"sentiment":"neutral","sentiment_score":0.04750746342580061,"num_words":74,"start":2969.825,"end":2993.225},{"sentences":[{"text":"So so that for that reason, I'm not an accountant.","start":2993.225,"end":2996.205,"sentiment":"neutral","sentiment_score":-0.1922071173787117},{"text":"And I could and I don't submit past tax returns.","start":2996.345,"end":2999.085,"sentiment":"neutral","sentiment_score":-0.24166660457849504},{"text":"So I leave that up to accountants to do.","start":3000.345,"end":3002.425,"sentiment":"neutral","sentiment_score":-0.1766446961296929},{"text":"So and there's nothing worse than referring an existing client that you've done the strategy for and built a relationship with like yourself, let's say.","start":3002.425,"end":3010.04,"sentiment":"neutral","sentiment_score":-0.13928945362567902},{"text":"And I you say, look.","start":3010.26,"end":3011.38,"sentiment":"neutral","sentiment_score":-0.17888066470623015}],"sentiment":"neutral","sentiment_score":-0.17466405337139712,"num_words":59,"start":2993.225,"end":3011.38},{"sentences":[{"text":"I don't like my accountant.","start":3011.38,"end":3012.5,"sentiment":"negative","sentiment_score":-0.39423165917396547},{"text":"They haven't helped me out at all.","start":3012.5,"end":3014.5,"sentiment":"negative","sentiment_score":-0.4317581057548523},{"text":"So I'm gonna pass this over.","start":3014.5,"end":3016.2,"sentiment":"neutral","sentiment_score":-0.24388495087623596},{"text":"I'm gonna pass this over to, you know, I'll pass this over to such and such Joe Soap to look after your account where accounting works, and then he drops the ball and completely stuffs it up.","start":3016.8198,"end":3028.975,"sentiment":"neutral","sentiment_score":-0.11742232901019019},{"text":"Right?","start":3028.975,"end":3029.475,"sentiment":"neutral","sentiment_score":-0.12614168226718905}],"sentiment":"neutral","sentiment_score":-0.19513468923313276,"num_words":56,"start":3011.38,"end":3029.475},{"sentences":[{"text":"Then it just looks bad on me, and you probably it leaves kind of a sour taste in your mouth with somebody that's actually doing the right thing because of that referral.","start":3030.0952,"end":3039.32,"sentiment":"negative","sentiment_score":-0.517242525704205},{"text":"So I like to work with people that I know are fairly diligent and good at paid jobs like we are, And those are those firms, the QCA is an accounting firm that we're partnered with.","start":3039.4602,"end":3050.0552,"sentiment":"neutral","sentiment_score":0.22958114763928783},{"text":"Gold Coast Wealth is Brooke Jurasic.","start":3050.0552,"end":3051.915,"sentiment":"neutral","sentiment_score":0.24614873776833215},{"text":"She's a really well known mortgage broker.","start":3052.0552,"end":3055.2751,"sentiment":"positive","sentiment_score":0.3547960264342172},{"text":"She's she's amazing at what she does.","start":3055.3352,"end":3056.8552,"sentiment":"positive","sentiment_score":0.6417406712259565}],"sentiment":"neutral","sentiment_score":0.0018842023035342043,"num_words":88,"start":3030.0952,"end":3056.8552},{"sentences":[{"text":"She can she can get a loan made out of anything.","start":3056.8552,"end":3059.0352,"sentiment":"positive","sentiment_score":0.37552430683916266},{"text":"And as far as I'm concerned, FIO is more like commercial lending and more specialized kind of services for lending money.","start":3059.3499,"end":3067.05,"sentiment":"neutral","sentiment_score":0.04541070564162163},{"text":"And then Kate Taylor Associates is accounting and law, and then Gold Coast accounting is in that group as well.","start":3067.1099,"end":3072.7551,"sentiment":"neutral","sentiment_score":0.12397293150424957},{"text":"We don't get any kickback for anything.","start":3072.7551,"end":3074.5151,"sentiment":"neutral","sentiment_score":0.11837732259716306},{"text":"No referral fees.","start":3074.5151,"end":3075.5552,"sentiment":"neutral","sentiment_score":0.12644348541895548}],"sentiment":"neutral","sentiment_score":0.1414810086810781,"num_words":62,"start":3056.8552,"end":3075.5552},{"sentences":[{"text":"It's just I just like the way they work, and they like the way we work so that we join together.","start":3075.5552,"end":3080.0352,"sentiment":"positive","sentiment_score":0.5686263016292027},{"text":"So you've always got services that we can refer you over to.","start":3080.0352,"end":3083.0752,"sentiment":"positive","sentiment_score":0.4185299426317215},{"text":"That makes sense.","start":3083.0752,"end":3084.0552,"sentiment":"neutral","sentiment_score":0.31129008531570435},{"text":"Beautiful.","start":3085.99,"end":3086.49,"sentiment":"positive","sentiment_score":0.6838337182998657},{"text":"Now that's that document done.","start":3086.55,"end":3088.23,"sentiment":"neutral","sentiment_score":0.2716012954711914}],"sentiment":"positive","sentiment_score":0.47474338327135357,"num_words":42,"start":3075.5552,"end":3088.23},{"sentences":[{"text":"You can have a read through to be struggling for the next document to be fair.","start":3088.23,"end":3092.07,"sentiment":"neutral","sentiment_score":0.15954551100730896},{"text":"If you go back to the email, go to the third attached document, the twenty twenty six Oakview Financial Services Guide.","start":3092.07,"end":3098.33,"sentiment":"neutral","sentiment_score":0.07208191018019404},{"text":"Open that up.","start":3098.915,"end":3100.055,"sentiment":"neutral","sentiment_score":0.06888467694322269},{"text":"This is the compliance.","start":3100.435,"end":3101.415,"sentiment":"neutral","sentiment_score":0.08497812412679195},{"text":"I'll fly through it.","start":3101.475,"end":3102.615,"sentiment":"neutral","sentiment_score":0.0869396049529314}],"sentiment":"neutral","sentiment_score":0.1033494424385329,"num_words":48,"start":3088.23,"end":3102.615},{"sentences":[{"text":"That AFSL number that I was talking about, next to our ABN, it's over there.","start":3103.155,"end":3107.315,"sentiment":"neutral","sentiment_score":0.033432996024688084},{"text":"So 513068.","start":3107.315,"end":3108.755,"sentiment":"neutral","sentiment_score":0.03394783288240433},{"text":"You can search us up on ASIC.","start":3108.755,"end":3110.275,"sentiment":"neutral","sentiment_score":0.046948399394750595},{"text":"There's our address.","start":3110.275,"end":3111.175,"sentiment":"neutral","sentiment_score":0.026414883012572925},{"text":"If I run away with your money and you wanna break my knees or something like that, that's where you can find me.","start":3111.315,"end":3116.03,"sentiment":"neutral","sentiment_score":-0.0959925273352343}],"sentiment":"neutral","sentiment_score":-0.024611081555485727,"num_words":50,"start":3103.155,"end":3116.03},{"sentences":[{"text":"The and as well as our, you know, phone numbers and everything else.","start":3116.33,"end":3120.51,"sentiment":"neutral","sentiment_score":0.04834114817472605},{"text":"Now the purpose of this FSG, I'll just go through each step.","start":3120.81,"end":3123.85,"sentiment":"neutral","sentiment_score":0.0916932752976815},{"text":"So number one, purpose of it is to make sure that we can do what we do legally.","start":3123.85,"end":3127.47,"sentiment":"neutral","sentiment_score":0.08912980473703808},{"text":"Give advice about money and then it's about the next step is what does that advice entail.","start":3127.845,"end":3132.345,"sentiment":"neutral","sentiment_score":0.06492391557377927},{"text":"Right?","start":3133.285,"end":3133.605,"sentiment":"neutral","sentiment_score":0.03476154804229736}],"sentiment":"neutral","sentiment_score":0.07330424308044012,"num_words":61,"start":3116.33,"end":3133.605},{"sentences":[{"text":"And what about if, you know, you've got a complaint?","start":3133.605,"end":3136.085,"sentiment":"neutral","sentiment_score":-0.03250059578567743},{"text":"I run away to The Bahamas and start drinking pina colitis with your money.","start":3136.085,"end":3140.885,"sentiment":"neutral","sentiment_score":-0.3039645382336208},{"text":"Wouldn't be very happy about it.","start":3140.885,"end":3142.2449,"sentiment":"negative","sentiment_score":-0.34766703844070435},{"text":"Right?","start":3142.2449,"end":3142.4849,"sentiment":"neutral","sentiment_score":-0.007905492559075356},{"text":"What do you do?","start":3142.4849,"end":3143.385,"sentiment":"neutral","sentiment_score":-0.039582021068781614}],"sentiment":"neutral","sentiment_score":-0.1952212943030255,"num_words":35,"start":3133.605,"end":3143.385},{"sentences":[{"text":"So that's that's all included in this document.","start":3143.5898,"end":3146.0898,"sentiment":"neutral","sentiment_score":0.06454479182139039},{"text":"So who we are I'll get to that in a second.","start":3146.8699,"end":3149.1099,"sentiment":"neutral","sentiment_score":0.03551840257238258},{"text":"But who we are, we because we run our own Australian financial services license, license number 513068, That means we can give advice on absolutely anything anything you want.","start":3149.1099,"end":3160.435,"sentiment":"neutral","sentiment_score":0.15132343094667483},{"text":"It doesn't bother me.","start":3160.435,"end":3161.8152,"sentiment":"neutral","sentiment_score":0.0752288680523634},{"text":"But we do have to put a disclosure of a lack of independence because we essentially aren't independent because we get commissions from other company sources, like commissions from insurances, stuff like that, and we also regulate on the aspect.","start":3162.435,"end":3177.23,"sentiment":"neutral","sentiment_score":-0.03358861852320842}],"sentiment":"neutral","sentiment_score":0.046226206430456725,"num_words":92,"start":3143.5898,"end":3177.23},{"sentences":[{"text":"So we can't really say that we're independent.","start":3177.53,"end":3179.79,"sentiment":"neutral","sentiment_score":-0.09422354027628899},{"text":"It's just a stupid thing that lawmakers thought was a good idea and put in the corporations act a long time ago, but doesn't really mean anything.","start":3179.8499,"end":3187.215,"sentiment":"neutral","sentiment_score":-0.27239310796614047},{"text":"But it's more importantly if you skip down to the services we provide.","start":3187.375,"end":3190.435,"sentiment":"neutral","sentiment_score":0.17002342755977923},{"text":"Number four, let me know when you're there.","start":3190.5752,"end":3192.8352,"sentiment":"neutral","sentiment_score":0.05407864134758711},{"text":"Yep.","start":3193.375,"end":3193.875,"sentiment":"neutral","sentiment_score":0.0902085304260254}],"sentiment":"neutral","sentiment_score":-0.09430280733003951,"num_words":57,"start":3177.53,"end":3193.875},{"sentences":[{"text":"So this is what I meant by anything.","start":3194.2551,"end":3196.355,"sentiment":"neutral","sentiment_score":0.15612247306853533},{"text":"So we can give advice across the entire scope of deposits and payment products, the base deposit products like high interest savings accounts, stuff like that.","start":3196.415,"end":3204.6602,"sentiment":"neutral","sentiment_score":0.27333040420825666},{"text":"Any and any government debentures or stocks or bonds, ETFs, direct equities, long term, short term bills, and government wants to build a bridge and they want private funding.","start":3205.04,"end":3218.055,"sentiment":"neutral","sentiment_score":0.1870229149173046},{"text":"You agree with those kind of government dimensions we can give advice on.","start":3218.055,"end":3221.515,"sentiment":"neutral","sentiment_score":0.21552948309825018},{"text":"Any and all life insurance products, but not general insurance.","start":3222.2148,"end":3225.755,"sentiment":"neutral","sentiment_score":0.06519549153745174}],"sentiment":"neutral","sentiment_score":0.20038457002577392,"num_words":86,"start":3194.2551,"end":3225.755},{"sentences":[{"text":"So investment life insurance products, which is, like, endowment policies, term of life investments, things like that, as well as any sort of life risk insurance products, so life, TPD, income protection, business expenditure, and trauma.","start":3226.2148,"end":3240.35,"sentiment":"neutral","sentiment_score":0.05960512223343054},{"text":"After that, any and all managed investment schemes, so this is like private equity funds.","start":3241.37,"end":3245.87,"sentiment":"neutral","sentiment_score":0.12049102832873662},{"text":"If you you wanna group together with the boys around the barbecue and you decide to build a low rise and or pull your money together in a trust, we can give advice on that.","start":3246.335,"end":3255.6948,"sentiment":"neutral","sentiment_score":0.2599183865955898},{"text":"And then if you just but if you just wanted to invest in a portfolio yourself, like your current share portfolio, It's if you wanna use a platform, we can give advice on all those shares as well as an IDPS, invest direct portfolio service that we manage.","start":3255.6948,"end":3269.79,"sentiment":"neutral","sentiment_score":0.1993714620669683},{"text":"It's highly up to you.","start":3269.8499,"end":3270.99,"sentiment":"positive","sentiment_score":0.379115492105484}],"sentiment":"neutral","sentiment_score":0.1763719496109503,"num_words":139,"start":3226.2148,"end":3270.99},{"sentences":[{"text":"Any and all retirement savings products, account based pensions, as well as TTR pensions, and anything in between, or any and all securities including foreign exchange as well as superannuation.","start":3271.13,"end":3282.405,"sentiment":"neutral","sentiment_score":0.15047124375899631},{"text":"And under that need that, there's two kind of hidden things that because I'm you're speaking with myself, we can you can have access to it because only myself and Bart's actually licensed to give this advice, but that's self managed super funds as well as margin lending.","start":3282.705,"end":3298.4592,"sentiment":"neutral","sentiment_score":0.13672728091478348},{"text":"So borrowing from a property to buy shares.","start":3298.4592,"end":3301.6055,"sentiment":"neutral","sentiment_score":0.0983270751312375},{"text":"Does that make sense?","start":3301.6055,"end":3303.1787,"sentiment":"neutral","sentiment_score":0.10777755826711655},{"text":"Yep.","start":3303.1787,"end":3303.5718,"sentiment":"neutral","sentiment_score":0.07358787208795547}],"sentiment":"neutral","sentiment_score":0.13591606047127272,"num_words":91,"start":3271.13,"end":3303.5718},{"sentences":[{"text":"So pretty much anything.","start":3303.5718,"end":3305.145,"sentiment":"neutral","sentiment_score":0.07172534614801407},{"text":"Anything you want along the financial scope, just give me a call.","start":3305.305,"end":3307.785,"sentiment":"neutral","sentiment_score":0.13389050215482712},{"text":"That's what I'm here for.","start":3307.785,"end":3309.085,"sentiment":"neutral","sentiment_score":0.2570822864770889},{"text":"Then we'll make it up.","start":3309.545,"end":3310.745,"sentiment":"neutral","sentiment_score":0.10034858882427215},{"text":"Alright?","start":3310.745,"end":3310.905,"sentiment":"neutral","sentiment_score":0.134555846452713}],"sentiment":"neutral","sentiment_score":0.1413073197559074,"num_words":27,"start":3303.5718,"end":3310.905},{"sentences":[{"text":"Five, how we provide advice.","start":3312.185,"end":3313.545,"sentiment":"neutral","sentiment_score":0.2037699431180954},{"text":"We'll go through this contact call, then we'll book in the time, maybe two weeks time, to go through the statement advice and the recommendations.","start":3313.545,"end":3320.125,"sentiment":"neutral","sentiment_score":0.19447689533233642},{"text":"From there, you can either say, nah.","start":3320.6902,"end":3322.53,"sentiment":"neutral","sentiment_score":0.05496003814706845},{"text":"Go away.","start":3322.53,"end":3323.1902,"sentiment":"neutral","sentiment_score":-0.05716821923851967},{"text":"And that's it.","start":3323.57,"end":3324.79,"sentiment":"neutral","sentiment_score":0.08018945281704266}],"sentiment":"neutral","sentiment_score":0.15218391156910607,"num_words":42,"start":3312.185,"end":3324.79},{"sentences":[{"text":"Call it a day.","start":3324.85,"end":3325.6501,"sentiment":"neutral","sentiment_score":0.29996277391910553},{"text":"Wish you all the best.","start":3325.6501,"end":3326.53,"sentiment":"positive","sentiment_score":0.5770437359809876},{"text":"But if you do proceed and you see the value in our services and advice provided, then you'll sign ongoing well, a HCP authority to proceed and all the documents, and then we'll set everything up and implement everything, do all the legwork as part of that fee.","start":3326.53,"end":3341.2751,"sentiment":"positive","sentiment_score":0.48196442797780037},{"text":"And then keeping you on track, we do quarterly updates and full comprehensive annual reviews every year with yourself to make sure that we're still on track for your goals.","start":3341.415,"end":3350.56,"sentiment":"positive","sentiment_score":0.6346377611160279},{"text":"Yep.","start":3351.18,"end":3351.68,"sentiment":"neutral","sentiment_score":0.18459945917129517}],"sentiment":"positive","sentiment_score":0.5277624387632717,"num_words":88,"start":3324.85,"end":3351.68},{"sentences":[{"text":"Now the fees and charges.","start":3352.3,"end":3354.08,"sentiment":"neutral","sentiment_score":0.027628932893276215},{"text":"So we are professional service.","start":3354.54,"end":3355.9001,"sentiment":"neutral","sentiment_score":0.10629243850708008},{"text":"We do charge a professional service fee.","start":3355.9001,"end":3357.82,"sentiment":"neutral","sentiment_score":0.09612514291490827},{"text":"You know, you somehow, you need to pay back all those university degrees, which is almost a masters, but we like to be fair as well.","start":3357.82,"end":3365.355,"sentiment":"neutral","sentiment_score":0.09701722860336304},{"text":"So we we like to set up these fees and engagements for what the work involves to set up a statement of advice.","start":3365.575,"end":3372.7148,"sentiment":"neutral","sentiment_score":0.15655842196682226}],"sentiment":"neutral","sentiment_score":0.11311779555046197,"num_words":66,"start":3352.3,"end":3372.7148},{"sentences":[{"text":"So a statement of advice is a big scary document that we have to do legally to give any personalized advice, have it, you know, pen to paper.","start":3372.9348,"end":3379.92,"sentiment":"neutral","sentiment_score":-0.2863006716860192},{"text":"Now different if we're looking at, let's say, an investment strategy like leveraging against your property, there's a lot of work involved there.","start":3381.3398,"end":3388.5398,"sentiment":"neutral","sentiment_score":-0.048899679404238},{"text":"So we do charge a letter of engagement fee, but the it depends on what service you're looking for.","start":3388.5398,"end":3393.595,"sentiment":"neutral","sentiment_score":0.08704343418541707},{"text":"So from your goals and objectives, we've identified that we we you wanna have a look at your super and insurance.","start":3393.595,"end":3399.375,"sentiment":"neutral","sentiment_score":0.30769690516449155},{"text":"That's complimentary.","start":3400.315,"end":3401.1948,"sentiment":"positive","sentiment_score":0.46713781356811523}],"sentiment":"neutral","sentiment_score":-0.0009825327784143468,"num_words":93,"start":3372.9348,"end":3401.1948},{"sentences":[{"text":"We'll draw up a statement of advice.","start":3401.1948,"end":3402.635,"sentiment":"neutral","sentiment_score":0.29723238945007324},{"text":"If you only wanna scope those in, we'll draw up a statement of advice for free so that we can show you value.","start":3402.635,"end":3407.7002,"sentiment":"positive","sentiment_score":0.3369127375924069},{"text":"And then moving on, once you come on board as a client and you see the value in those services, we don't charge any upfront fees from then on.","start":3407.84,"end":3414.56,"sentiment":"positive","sentiment_score":0.3549908384166915},{"text":"K?","start":3414.56,"end":3415.06,"sentiment":"neutral","sentiment_score":0.010520529933273792},{"text":"However, if you do wanna have a look at that cash flow and budgeting or debt repayment strategies and pay, you know, more towards the mortgage, we can strategize that and plan that out and stick that in.","start":3415.6,"end":3426.2751,"sentiment":"neutral","sentiment_score":0.17680558542671956}],"sentiment":"neutral","sentiment_score":0.27401517123478103,"num_words":98,"start":3401.1948,"end":3426.2751},{"sentences":[{"text":"But there is gonna be a $16.50.","start":3426.2751,"end":3428.115,"sentiment":"neutral","sentiment_score":-0.08053612602608544},{"text":"So $1,650 implementation fee to get that process started to draw up that statement of advice just because it's a lot more calculations and work.","start":3428.115,"end":3437.5898,"sentiment":"neutral","sentiment_score":0.0333845273591578},{"text":"And then if you wanna go a little bit more sexy into the branching out, it's $2,200.","start":3437.65,"end":3441.99,"sentiment":"neutral","sentiment_score":0.11986344543230884},{"text":"But from just this just to get started, for you to save money, and I'll probably go the root section because you don't pay anything out of back pocket.","start":3442.29,"end":3451.915,"sentiment":"neutral","sentiment_score":0.33283154589348823},{"text":"And when you do pay something for our work, it will be taken out of super.","start":3452.2148,"end":3456.615,"sentiment":"neutral","sentiment_score":0.14920802740380168}],"sentiment":"neutral","sentiment_score":0.15263810790976154,"num_words":94,"start":3426.2751,"end":3456.615},{"sentences":[{"text":"That way you can see if it's actually worthwhile coming on board.","start":3456.615,"end":3459.575,"sentiment":"positive","sentiment_score":0.5435617864131927},{"text":"Right?","start":3459.575,"end":3460.075,"sentiment":"neutral","sentiment_score":0.2897380590438843},{"text":"Instead of paying $161,650 bucks for saying, yeah, you should put money into a mortgage offset when you're already in the process of refinancing anyway.","start":3460.5398,"end":3470.4,"sentiment":"neutral","sentiment_score":-0.00011972606182098334},{"text":"You know what I mean?","start":3470.7,"end":3471.8398,"sentiment":"neutral","sentiment_score":0.09738668501377105},{"text":"So if you're happy with just, you know, getting complimentary letter of engagement, complimentary statement of advice, and just make sure that we can actually provide value, then I'll go the roots if you're happy with that.","start":3473.0452,"end":3484.105,"sentiment":"positive","sentiment_score":0.49104664776776286}],"sentiment":"neutral","sentiment_score":0.3183143217116594,"num_words":80,"start":3456.615,"end":3484.105},{"sentences":[{"text":"Yep.","start":3492.34,"end":3492.66,"sentiment":"neutral","sentiment_score":0.16131848096847534},{"text":"Yep.","start":3492.66,"end":3493.16,"sentiment":"neutral","sentiment_score":0.14170792698860168},{"text":"Well, that that that's Yeah.","start":3493.3,"end":3501.855,"sentiment":"neutral","sentiment_score":0.010591951757669452},{"text":"Oh, no.","start":3505.595,"end":3505.995,"sentiment":"neutral","sentiment_score":-0.21986150741577148},{"text":"So so what I'm saying is sorry.","start":3505.995,"end":3507.7551,"sentiment":"neutral","sentiment_score":-0.18251858438764298}],"sentiment":"neutral","sentiment_score":-0.08508543367497623,"num_words":16,"start":3492.34,"end":3507.7551},{"sentences":[{"text":"I might might have not explained that correctly.","start":3507.7551,"end":3509.7751,"sentiment":"neutral","sentiment_score":-0.24050823412835598},{"text":"So just to get the statement of advice started depends on what you want in the statement of advice.","start":3510.155,"end":3516.415,"sentiment":"neutral","sentiment_score":-0.0015021664531607369},{"text":"So if you only want to look at the super and insurance at the moment, I can draw that up complimentary, and we'll go through it.","start":3516.48,"end":3522.64,"sentiment":"neutral","sentiment_score":0.08394861307281715},{"text":"And you if you don't like if you don't like any if you don't like the outcome or you don't like the service or the projections that we can put forward or show value, we we don't get you in a better position, then you can say you don't wanna proceed, and then you don't pay us a cent.","start":3522.64,"end":3536.7148,"sentiment":"negative","sentiment_score":-0.4004113859165523},{"text":"But if you do proceed for any of the strategies, there's an implementation fee that's taken out of super.","start":3536.855,"end":3542.775,"sentiment":"neutral","sentiment_score":-0.026535720809509878}],"sentiment":"neutral","sentiment_score":-0.1824304851923735,"num_words":131,"start":3507.7551,"end":3542.775},{"sentences":[{"text":"We can charge it out of your super fund.","start":3542.775,"end":3544.44,"sentiment":"neutral","sentiment_score":0.02788459633787473},{"text":"That's $4,950 for the document.","start":3544.52,"end":3547.0999,"sentiment":"neutral","sentiment_score":0.027054986357688902},{"text":"But when you're looking at the root section, we prepare that document, which takes a lot of time and money and wages and all the rest.","start":3547.56,"end":3555.0798,"sentiment":"neutral","sentiment_score":0.06822545812107049},{"text":"We can prepare that for super insurance for free to show that there is value in coming on board in the first place.","start":3555.0798,"end":3560.805,"sentiment":"positive","sentiment_score":0.4607803782691126},{"text":"Yeah.","start":3563.025,"end":3563.265,"sentiment":"neutral","sentiment_score":0.010105499997735023}],"sentiment":"neutral","sentiment_score":0.19950238140881993,"num_words":64,"start":3542.775,"end":3563.265},{"sentences":[{"text":"Yeah.","start":3563.265,"end":3563.505,"sentiment":"neutral","sentiment_score":0.029098650440573692},{"text":"You know what I mean?","start":3563.505,"end":3564.565,"sentiment":"neutral","sentiment_score":-0.030768368393182755},{"text":"Yeah.","start":3565.1848,"end":3565.4248,"sentiment":"neutral","sentiment_score":0.06748398393392563},{"text":"No.","start":3565.4248,"end":3565.585,"sentiment":"neutral","sentiment_score":-0.034595515578985214},{"text":"That's alright.","start":3565.585,"end":3566.1448,"sentiment":"neutral","sentiment_score":0.10387305915355682}],"sentiment":"neutral","sentiment_score":0.011589139513671399,"num_words":10,"start":3563.265,"end":3566.1448},{"sentences":[{"text":"Let me know if you have any questions or anything.","start":3566.1448,"end":3568.1648,"sentiment":"neutral","sentiment_score":0.2146266967058182},{"text":"You know, it's just it's more about just making sure you you know what's going on as well.","start":3568.4648,"end":3572.565,"sentiment":"neutral","sentiment_score":0.11352733564045694},{"text":"So if I was in but if I was in your position, I would get the complimentary statement of advice because I don't see the value in paying paying $1,650.","start":3573.33,"end":3583.81,"sentiment":"neutral","sentiment_score":0.013091632351279258},{"text":"So $1,500 plus GST for just saying, yeah, put this much money into an offset account when you're already in the process of doing that.","start":3583.81,"end":3592.005,"sentiment":"neutral","sentiment_score":0.013032162338495254},{"text":"You know what I mean?","start":3592.005,"end":3592.805,"sentiment":"neutral","sentiment_score":0.02983306795358658}],"sentiment":"neutral","sentiment_score":0.05747133383358067,"num_words":88,"start":3566.1448,"end":3592.805},{"sentences":[{"text":"So we can do that statement advice for super insurance.","start":3592.805,"end":3595.785,"sentiment":"neutral","sentiment_score":0.30210050046443937},{"text":"And once you come on board, if you do see the value in our services and come on board, we will take you through all the rest of the stages without any implementation fee because you're already a client.","start":3595.9248,"end":3605.51,"sentiment":"neutral","sentiment_score":0.31063592777802396},{"text":"So part of that involves a statement of advice ongoing fee.","start":3605.89,"end":3610.47,"sentiment":"neutral","sentiment_score":0.18226014687256378},{"text":"So if we manage your superannuation and we manage your assets or share portfolios, we charge a tiered structure percentage base.","start":3610.61,"end":3617.7048,"sentiment":"neutral","sentiment_score":0.10297813408431553},{"text":"And there's two ways that we charge an ongoing fee.","start":3618.085,"end":3621.065,"sentiment":"neutral","sentiment_score":0.059657486900687215}],"sentiment":"neutral","sentiment_score":0.21867893943256075,"num_words":91,"start":3592.805,"end":3621.065},{"sentences":[{"text":"That ongoing fee is either, you know, flat based, where every time we get in touch with you or every I like to call it the lawyer way.","start":3621.365,"end":3629.2048,"sentiment":"neutral","sentiment_score":-0.11893279544476952},{"text":"I hate it.","start":3629.2048,"end":3629.85,"sentiment":"negative","sentiment_score":-0.4220500588417053},{"text":"But it's like, you know, every time that I send you a as an email or every five minutes of my time, I'll every staple and every piece of paper we send out, everything, I'll send you a big juicy invoice to pay it back.","start":3630.01,"end":3644.49,"sentiment":"neutral","sentiment_score":-0.12017997950315476},{"text":"Right?","start":3644.49,"end":3644.99,"sentiment":"neutral","sentiment_score":-0.100966215133667},{"text":"And, you know, even if it's five minutes of my time, we would charge an hour because it's taking it's taking another that hour.","start":3645.465,"end":3652.5051,"sentiment":"neutral","sentiment_score":-0.3260044703880946}],"sentiment":"neutral","sentiment_score":-0.17751921812939173,"num_words":101,"start":3621.365,"end":3652.5051},{"sentences":[{"text":"And my time's not that cheap.","start":3652.5051,"end":3654.0251,"sentiment":"negative","sentiment_score":-0.5134191413720449},{"text":"So for that reason, that kind of fee structure for an ongoing service, I don't agree with because it directly conflicts with our vision of being trusted.","start":3654.0251,"end":3664.5698,"sentiment":"negative","sentiment_score":-0.5153805458987201},{"text":"You know, if you wanna if you to be the most trusted financial planning firm, we need to speak to each other.","start":3665.8298,"end":3670.39,"sentiment":"neutral","sentiment_score":-0.09381919862194495},{"text":"We need to have rapport, and you need to be able to trust me.","start":3670.39,"end":3673.19,"sentiment":"neutral","sentiment_score":0.0005239258919443403},{"text":"The way we build that is by speaking to each other.","start":3673.19,"end":3676.175,"sentiment":"neutral","sentiment_score":0.02654539387334477}],"sentiment":"neutral","sentiment_score":-0.2345059707760811,"num_words":80,"start":3652.5051,"end":3676.175},{"sentences":[{"text":"Right?","start":3676.175,"end":3676.675,"sentiment":"neutral","sentiment_score":-0.0316505953669548},{"text":"But if you know that you're gonna get a big juicy invoice every time you speak to me, you're not gonna wanna speak to me that often.","start":3677.375,"end":3683.715,"sentiment":"neutral","sentiment_score":-0.32673505114184487},{"text":"Right?","start":3683.7751,"end":3684.2751,"sentiment":"neutral","sentiment_score":-0.0886274203658104},{"text":"So for that reason, we charge a percentage based fee.","start":3686.335,"end":3689.01,"sentiment":"neutral","sentiment_score":-0.03243094384670257},{"text":"For your assets, it'll be 1.65% ongoing.","start":3689.01,"end":3692.29,"sentiment":"neutral","sentiment_score":0.04018197048987661}],"sentiment":"neutral","sentiment_score":-0.19532956612174926,"num_words":46,"start":3676.175,"end":3692.29},{"sentences":[{"text":"Just means that I've just got more incentive for me to make you more money because I get paid more.","start":3692.29,"end":3697.27,"sentiment":"neutral","sentiment_score":0.09147162474691868},{"text":"And if you lose for whatever mark happens in the market, then I get paid less.","start":3697.33,"end":3701.895,"sentiment":"neutral","sentiment_score":-0.17235284904018044},{"text":"I think it's fair.","start":3702.135,"end":3703.5151,"sentiment":"neutral","sentiment_score":0.011966204270720482},{"text":"Is that yeah.","start":3704.215,"end":3707.975,"sentiment":"neutral","sentiment_score":-0.011703703552484512},{"text":"Correct.","start":3707.975,"end":3708.475,"sentiment":"neutral","sentiment_score":0.003810124471783638}],"sentiment":"neutral","sentiment_score":-0.02071930133652958,"num_words":44,"start":3692.29,"end":3708.475},{"sentences":[{"text":"No.","start":3708.695,"end":3709.0151,"sentiment":"neutral","sentiment_score":-0.08667868375778198},{"text":"So so so that's just your superannuation.","start":3709.0151,"end":3710.875,"sentiment":"neutral","sentiment_score":-0.05799390801361629},{"text":"Only assets that we manage.","start":3711.2551,"end":3712.875,"sentiment":"neutral","sentiment_score":-0.06529020518064499},{"text":"So we're not managing your properties or anything.","start":3712.935,"end":3715.02,"sentiment":"neutral","sentiment_score":-0.1138830529525876},{"text":"So it's just gonna be if we give advice on super insurance, we'll just be the super fund.","start":3715.18,"end":3719.18,"sentiment":"neutral","sentiment_score":0.01464290640109943}],"sentiment":"neutral","sentiment_score":-0.0376045942091598,"num_words":39,"start":3708.695,"end":3719.18},{"sentences":[{"text":"Yeah.","start":3719.18,"end":3719.34,"sentiment":"neutral","sentiment_score":0.0717601329088211},{"text":"Correct.","start":3719.34,"end":3719.66,"sentiment":"neutral","sentiment_score":0.09597577154636384},{"text":"And we can charge 1.65%, so 1.5% plus GST.","start":3719.66,"end":3725.2,"sentiment":"neutral","sentiment_score":0.07891784442795648},{"text":"But then when you get to $200, so hopefully, we get you there as quick as possible, then the fee drops between two two hundred thousand to 500,000.","start":3725.5,"end":3733.5552,"sentiment":"neutral","sentiment_score":0.12496707229209798},{"text":"The fee drops to 1.375.","start":3733.5552,"end":3735.895,"sentiment":"neutral","sentiment_score":0.027221812307834624}],"sentiment":"neutral","sentiment_score":0.1025723543187434,"num_words":44,"start":3719.18,"end":3735.895},{"sentences":[{"text":"So, essentially, 1.25.","start":3736.0352,"end":3737.475,"sentiment":"neutral","sentiment_score":0.019405474265416462},{"text":"It's 1.5%, 1.25, one, and then one point 0.75 tiered up, but then our GST is what those numbers are.","start":3737.475,"end":3745.91,"sentiment":"neutral","sentiment_score":0.019153729500249028},{"text":"Correct.","start":3749.01,"end":3749.49,"sentiment":"neutral","sentiment_score":0.04080139845609665},{"text":"Correct.","start":3749.49,"end":3749.99,"sentiment":"neutral","sentiment_score":0.05716831982135773},{"text":"So it's your funds, whatever the fund balance is, it's an annual fee, but deducted monthly.","start":3750.05,"end":3757.03,"sentiment":"neutral","sentiment_score":0.04515558306593448}],"sentiment":"neutral","sentiment_score":0.030774391710576488,"num_words":41,"start":3736.0352,"end":3757.03},{"sentences":[{"text":"So, you know, if you've got let's just say you got a 117 at the moment.","start":3757.09,"end":3761.0552,"sentiment":"neutral","sentiment_score":0.047455760883167386},{"text":"Right?","start":3761.0552,"end":3761.375,"sentiment":"neutral","sentiment_score":0.04263504594564438},{"text":"So a 117,000 times that by 0.0165.","start":3761.375,"end":3767.395,"sentiment":"neutral","sentiment_score":0.03712590065385614},{"text":"That's $1,930.50 a year.","start":3767.7751,"end":3770.79,"sentiment":"neutral","sentiment_score":0.07322805002331734},{"text":"And then you divide that by 12 because there's twelve months a year.","start":3770.79,"end":3773.59,"sentiment":"neutral","sentiment_score":0.0439307030576926}],"sentiment":"neutral","sentiment_score":0.04697121620723387,"num_words":41,"start":3757.09,"end":3773.59},{"sentences":[{"text":"So that would essentially be a $160 of the funds in a year, every in that month.","start":3773.59,"end":3779.67,"sentiment":"neutral","sentiment_score":0.07947642356157303},{"text":"And then the next month, the first of next month rolls around, and let's just say you got a 120,000 because it's grown by $3 or a 150,000.","start":3779.67,"end":3788.3552,"sentiment":"neutral","sentiment_score":0.051595499739050865},{"text":"Whatever it might be, we'll do the same calculation divided by 12 to deduct that monthly.","start":3788.3552,"end":3792.455,"sentiment":"neutral","sentiment_score":0.044874221086502075},{"text":"So the reason why we do it that way is that it it evens up the volatility in the market.","start":3792.7551,"end":3798.0552,"sentiment":"neutral","sentiment_score":0.28960276320576667},{"text":"Whereas if we deduct it from an annual basis, you know, that might be the peak of the market.","start":3798.51,"end":3802.35,"sentiment":"neutral","sentiment_score":0.10954568378235165}],"sentiment":"neutral","sentiment_score":0.11387183986604214,"num_words":100,"start":3773.59,"end":3802.35},{"sentences":[{"text":"And then if it goes your portfolio goes up, withdraw the funds there, and then the the market crashes, it's over the year, it's not gonna be 1.65%.","start":3802.35,"end":3811.79,"sentiment":"neutral","sentiment_score":0.03571263886988163},{"text":"It's gonna be significantly more on an average, if that makes sense.","start":3811.79,"end":3815.415,"sentiment":"neutral","sentiment_score":0.18336683760086694},{"text":"So we try and even it out so that we can utilize more compounding return for you.","start":3815.415,"end":3820.635,"sentiment":"neutral","sentiment_score":0.27737045726355386},{"text":"Yep.","start":3825.175,"end":3825.5752,"sentiment":"neutral","sentiment_score":0.15708470344543457},{"text":"Yep.","start":3825.5752,"end":3825.895,"sentiment":"neutral","sentiment_score":0.14403699338436127}],"sentiment":"neutral","sentiment_score":0.13926737982842882,"num_words":59,"start":3802.35,"end":3825.895},{"sentences":[{"text":"Yep.","start":3825.895,"end":3826.135,"sentiment":"neutral","sentiment_score":0.16438870131969452},{"text":"We can deduct everything out of super so that you don't pay anything out of your back pocket.","start":3826.135,"end":3829.99,"sentiment":"neutral","sentiment_score":0.15080735584100088},{"text":"It's the bit it's the most tax effective strategy because you only pay 15¢ on the dollar going into super.","start":3830.05,"end":3835.81,"sentiment":"neutral","sentiment_score":0.2629048792939437},{"text":"At the moment, you're paying, you know, 37, 39 Medicare, all include Medicare.","start":3835.81,"end":3842.4148,"sentiment":"neutral","sentiment_score":0.09574122325732158},{"text":"So so and then you don't feel any weight off your back pocket, especially in your position with two kids.","start":3842.4749,"end":3847.035,"sentiment":"neutral","sentiment_score":0.17254707738757133}],"sentiment":"neutral","sentiment_score":0.1770379051146373,"num_words":72,"start":3825.895,"end":3847.035},{"sentences":[{"text":"You know what I mean?","start":3847.035,"end":3848.095,"sentiment":"neutral","sentiment_score":0.04602615460753441},{"text":"Does that make sense?","start":3849.275,"end":3850.075,"sentiment":"neutral","sentiment_score":0.060765369795262814},{"text":"Do you have any questions about that?","start":3850.075,"end":3851.595,"sentiment":"neutral","sentiment_score":0.010683080713663782},{"text":"Or yeah.","start":3851.595,"end":3855.01,"sentiment":"neutral","sentiment_score":0.2533830590546131},{"text":"Beautiful.","start":3855.01,"end":3855.51,"sentiment":"positive","sentiment_score":0.6733522415161133}],"sentiment":"neutral","sentiment_score":0.09095221983366891,"num_words":19,"start":3847.035,"end":3855.51},{"sentences":[{"text":"No questions.","start":3855.65,"end":3856.3699,"sentiment":"neutral","sentiment_score":0.2994997128844261},{"text":"Wanna make sure that you don't get any surprises when we do present the statement of advice.","start":3856.3699,"end":3860.47,"sentiment":"neutral","sentiment_score":0.29753294587135315},{"text":"And just so you're aware, when we do the calculations and projections for super, we take into account all these fees as well as the as well as inflation.","start":3860.5298,"end":3870.4849,"sentiment":"neutral","sentiment_score":0.23948127853459325},{"text":"So it's gonna be that result's gonna be in the in today's dollars value.","start":3870.625,"end":3874.965,"sentiment":"positive","sentiment_score":0.37205589775528225},{"text":"Cool.","start":3877.345,"end":3877.845,"sentiment":"neutral","sentiment_score":0.22098933160305023}],"sentiment":"neutral","sentiment_score":0.2862188648136835,"num_words":63,"start":3855.65,"end":3877.845},{"sentences":[{"text":"No questions?","start":3878.785,"end":3879.425,"sentiment":"neutral","sentiment_score":0.10890049487352371},{"text":"All good?","start":3879.425,"end":3880.085,"sentiment":"neutral","sentiment_score":0.2183208242058754},{"text":"Yeah.","start":3882.97,"end":3883.25,"sentiment":"neutral","sentiment_score":0.055372454226017},{"text":"Go for it.","start":3883.25,"end":3884.35,"sentiment":"neutral","sentiment_score":0.12050287177165349},{"text":"Well, it depends.","start":3889.61,"end":3890.59,"sentiment":"neutral","sentiment_score":0.020233890352149803}],"sentiment":"neutral","sentiment_score":0.10291139806874773,"num_words":11,"start":3878.785,"end":3890.59},{"sentences":[{"text":"We we've got an ASL.","start":3890.6501,"end":3891.77,"sentiment":"neutral","sentiment_score":0.09195992201566697},{"text":"We can recommend I can recommend from Sunsuper all the way up to, I don't know, some Nigerian pension fund that invests in lemon trees in Zimbabwe.","start":3891.77,"end":3901.565,"sentiment":"neutral","sentiment_score":0.1663790508000939},{"text":"Like, we can we can literally invest in anything.","start":3901.785,"end":3904.365,"sentiment":"neutral","sentiment_score":0.19972884903351465},{"text":"At the moment, our largest book is with either Netwealth or one of the retail funds because we've because you got quite a we've we've grown for quite a while, and we've got to a position where we've we're the only company that's got a BlackRock backed SMA in the whole country, and this is gonna remain that way.","start":3904.9849,"end":3922.83,"sentiment":"neutral","sentiment_score":0.19858255553043494},{"text":"So BlackRock and our investment philosophies align.","start":3922.83,"end":3925.97,"sentiment":"neutral","sentiment_score":0.2237512171268463}],"sentiment":"neutral","sentiment_score":0.18721703662772046,"num_words":107,"start":3890.6501,"end":3925.97},{"sentences":[{"text":"So because of that kind of, you know, market movement and that sway, we can get deductions on certain platform fees.","start":3926.2551,"end":3933.155,"sentiment":"neutral","sentiment_score":0.25783545346487136},{"text":"Also, you'll find that retail funds with access to direct equities and, you know, all sorts of weird and wonderful investments and a really sophisticated platform that does aggregate trading to minimize brokerage and all that stuff, we can get for more often than not cheaper in terms of administration investment costs than your standard industry fund, like Zebra or Australian Super or whatever.","start":3933.455,"end":3954.675,"sentiment":"neutral","sentiment_score":0.2690097796730697},{"text":"So so we we so it really depends.","start":3955.7751,"end":3958.195,"sentiment":"neutral","sentiment_score":-0.020790091948583722},{"text":"No.","start":3966.22,"end":3966.3801,"sentiment":"neutral","sentiment_score":-0.1526641696691513},{"text":"No.","start":3966.3801,"end":3966.4602,"sentiment":"neutral","sentiment_score":-0.17042884230613708}],"sentiment":"neutral","sentiment_score":0.2330711228871032,"num_words":95,"start":3926.2551,"end":3966.4602},{"sentences":[{"text":"No.","start":3966.4602,"end":3966.62,"sentiment":"neutral","sentiment_score":-0.1556376814842224},{"text":"We well, you're paying yeah.","start":3966.62,"end":3968.1401,"sentiment":"neutral","sentiment_score":-0.09752497225999832},{"text":"Absolutely.","start":3968.1401,"end":3968.54,"sentiment":"positive","sentiment_score":0.4918133616447449},{"text":"You're paying us paying us for a service.","start":3968.54,"end":3970.22,"sentiment":"neutral","sentiment_score":0.22800983116030693},{"text":"That's a service.","start":3970.22,"end":3971.02,"sentiment":"neutral","sentiment_score":0.24089531103769937}],"sentiment":"neutral","sentiment_score":0.13307307784756026,"num_words":18,"start":3966.4602,"end":3971.02},{"sentences":[{"text":"Yep.","start":3971.02,"end":3971.52,"sentiment":"neutral","sentiment_score":0.159598708152771},{"text":"Yeah.","start":3972.86,"end":3973.1,"sentiment":"neutral","sentiment_score":0.21499145030975345},{"text":"We do all the leg work.","start":3973.1,"end":3974.06,"sentiment":"neutral","sentiment_score":0.24892219404379526},{"text":"We we will make all the rollovers happen.","start":3974.06,"end":3975.82,"sentiment":"neutral","sentiment_score":0.22905697114765644},{"text":"We'll do the sell downs.","start":3975.82,"end":3976.7002,"sentiment":"neutral","sentiment_score":0.15110436081886292}],"sentiment":"neutral","sentiment_score":0.21219528076194583,"num_words":21,"start":3971.02,"end":3976.7002},{"sentences":[{"text":"We'll do the investments, the reinvestments of any super contributions coming in.","start":3976.7002,"end":3981.095,"sentiment":"neutral","sentiment_score":0.1529946904629469},{"text":"But when it comes to the product, I just have to find out if it's suitable for you because that's the one of the one of the hard things with running your own license and being able to recommend any product on the planet is that exact thing, being able to recommend every any product on the planet.","start":3982.195,"end":3998.04,"sentiment":"neutral","sentiment_score":0.1870811278450078},{"text":"So with with with an endless amounts of options, we need to make sure that what we're what product we're recommending for you is the most affordable, but it also gets you to a goal of that $1,500 a week.","start":3998.34,"end":4010.115,"sentiment":"positive","sentiment_score":0.4369287647306919},{"text":"And whatever product that is, I don't care.","start":4010.115,"end":4012.035,"sentiment":"neutral","sentiment_score":0.055298026476521045},{"text":"It doesn't bother me.","start":4012.035,"end":4012.9949,"sentiment":"neutral","sentiment_score":-0.018559444695711136}],"sentiment":"neutral","sentiment_score":0.2502617928100231,"num_words":122,"start":3976.7002,"end":4012.9949},{"sentences":[{"text":"But it's just whatever that product is, it's probably gonna be an Australian retail fund that's listed or something along those lines that we know has good backing.","start":4012.9949,"end":4022.07,"sentiment":"neutral","sentiment_score":0.18091590090521745},{"text":"It's not gonna go bust anytime soon, things like that.","start":4022.1301,"end":4025.11,"sentiment":"neutral","sentiment_score":-0.16758132111281157},{"text":"Does that make Yep.","start":4027.01,"end":4036.105,"sentiment":"neutral","sentiment_score":-0.01419494254514575},{"text":"Yep.","start":4036.105,"end":4036.605,"sentiment":"neutral","sentiment_score":0.04759608209133148},{"text":"Exactly.","start":4036.745,"end":4037.245,"sentiment":"neutral","sentiment_score":0.12542957067489624}],"sentiment":"neutral","sentiment_score":0.07968358856371859,"num_words":44,"start":4012.9949,"end":4037.245},{"sentences":[{"text":"Right.","start":4037.305,"end":4037.625,"sentiment":"neutral","sentiment_score":0.17243000864982605},{"text":"We will we will send you out a what's called a Superchoice nomination form, and we'll get we'll go get you we'll send that out by email and hard pack.","start":4037.625,"end":4047.5898,"sentiment":"neutral","sentiment_score":0.2200646882255872},{"text":"We'll give you a real welcome pack.","start":4047.5898,"end":4049.1099,"sentiment":"positive","sentiment_score":0.3571160009929112},{"text":"You can either have that form where that form will be in that hard pack, but we will also send it via email.","start":4049.1099,"end":4053.5898,"sentiment":"neutral","sentiment_score":0.1762140198894169},{"text":"All you have to do is forward it on.","start":4053.5898,"end":4054.8699,"sentiment":"neutral","sentiment_score":0.18317109015252855}],"sentiment":"neutral","sentiment_score":0.21393778473138808,"num_words":70,"start":4037.305,"end":4054.8699},{"sentences":[{"text":"We've got all the details in there, and they will start contributing to whatever super fund we recommend.","start":4054.8699,"end":4060.0352,"sentiment":"neutral","sentiment_score":0.19665925867027706},{"text":"Okay.","start":4062.495,"end":4062.995,"sentiment":"neutral","sentiment_score":0.09629131853580476},{"text":"So make sense?","start":4063.8552,"end":4065.0752,"sentiment":"neutral","sentiment_score":0.11759215593338013},{"text":"Beautiful.","start":4067.5352,"end":4067.935,"sentiment":"positive","sentiment_score":0.5558903217315674},{"text":"And what I can also do is give insurances regarding, say, life DPD as well as income protection.","start":4067.935,"end":4072.8499,"sentiment":"neutral","sentiment_score":0.2119922795229488}],"sentiment":"neutral","sentiment_score":0.2039191657450141,"num_words":41,"start":4054.8699,"end":4072.8499},{"sentences":[{"text":"If you want that, I can get that structured inside super as well.","start":4072.8499,"end":4075.65,"sentiment":"neutral","sentiment_score":0.23193311805908495},{"text":"The only one we can't do is trauma.","start":4075.65,"end":4077.43,"sentiment":"neutral","sentiment_score":-0.3155135437846184},{"text":"Trauma policies cover you gotta pay out of your back pocket, but it sounds like a trauma policy it covers things like heart attacks, cardiovascular disease, and which is which heart attacks are cardiovascular disease, and strokes and cancers.","start":4077.8098,"end":4092.785,"sentiment":"neutral","sentiment_score":-0.22515152776852632},{"text":"Big one.","start":4092.845,"end":4093.405,"sentiment":"neutral","sentiment_score":-0.14288194477558136},{"text":"Cancers in Australia.","start":4093.405,"end":4094.465,"sentiment":"neutral","sentiment_score":-0.18046400447686514}],"sentiment":"neutral","sentiment_score":-0.14026220463789427,"num_words":65,"start":4072.8499,"end":4094.465},{"sentences":[{"text":"So if you want me to have a look at that, you can I can look at it?","start":4094.525,"end":4096.925,"sentiment":"neutral","sentiment_score":0.0018720495411091382},{"text":"At your agent stage, it will probably be, like, between 10 and $20 a month.","start":4096.925,"end":4100.19,"sentiment":"neutral","sentiment_score":-0.02506158749262492},{"text":"But just by speaking to you, I think I don't think it's I think it'll be more valued in utilizing those funds to put towards your mortgage offset.","start":4100.51,"end":4109.25,"sentiment":"neutral","sentiment_score":-0.06984552501567773},{"text":"Yeah?","start":4109.31,"end":4109.81,"sentiment":"neutral","sentiment_score":0.03983054310083389},{"text":"Yeah.","start":4113.805,"end":4114.045,"sentiment":"neutral","sentiment_score":0.20270365476608276}],"sentiment":"neutral","sentiment_score":-0.03262487973367411,"num_words":63,"start":4094.525,"end":4114.045},{"sentences":[{"text":"Correct.","start":4114.045,"end":4114.365,"sentiment":"neutral","sentiment_score":0.27617207169532776},{"text":"And once you come onboard and you see the value and you do come onboard as a client, you you you have access to us.","start":4114.365,"end":4119.165,"sentiment":"neutral","sentiment_score":0.29505338907241824},{"text":"It's another thing about the percentage based ongoing fee.","start":4119.165,"end":4121.8853,"sentiment":"neutral","sentiment_score":0.1598637733194563},{"text":"You're not gonna get invoiced for when you speak to me.","start":4121.8853,"end":4123.805,"sentiment":"neutral","sentiment_score":0.10821645368229259},{"text":"So you can call me every day if you want.","start":4123.805,"end":4125.165,"sentiment":"neutral","sentiment_score":0.14021166115999223}],"sentiment":"neutral","sentiment_score":0.20863889929439342,"num_words":56,"start":4114.045,"end":4125.165},{"sentences":[{"text":"Preferably not, but, you know, you know what I mean.","start":4125.165,"end":4128.065,"sentiment":"neutral","sentiment_score":-0.011013437248766422},{"text":"Correct.","start":4131.19,"end":4131.69,"sentiment":"neutral","sentiment_score":0.04251998662948608},{"text":"Oh, okay.","start":4134.87,"end":4135.61,"sentiment":"neutral","sentiment_score":0.012848781421780586},{"text":"So you've got income protection through through the unions.","start":4139.51,"end":4143.37,"sentiment":"neutral","sentiment_score":-0.010819469682044454},{"text":"I'm I'm aware of it too.","start":4149.2446,"end":4151.1646,"sentiment":"neutral","sentiment_score":-0.09732620293895404}],"sentiment":"neutral","sentiment_score":-0.025830330992383615,"num_words":28,"start":4125.165,"end":4151.1646},{"sentences":[{"text":"Yeah.","start":4151.1646,"end":4151.3247,"sentiment":"neutral","sentiment_score":-0.02017120271921158},{"text":"But Paid.","start":4151.3247,"end":4156.44,"sentiment":"neutral","sentiment_score":-0.019552913145162165},{"text":"Okay.","start":4159.38,"end":4159.86,"sentiment":"neutral","sentiment_score":0.029570838436484337},{"text":"So income protection is similar to that, but it can cover you all the way up to age 60, 65, or even five years.","start":4159.86,"end":4166.2,"sentiment":"neutral","sentiment_score":0.04016618764338394},{"text":"I might have it if it covers you for six months, let's just say you get in a car crash and you aren't able to work because of injury or illness for a year.","start":4166.66,"end":4173.785,"sentiment":"neutral","sentiment_score":-0.10071109092849143}],"sentiment":"neutral","sentiment_score":-0.04015959320484751,"num_words":62,"start":4151.1646,"end":4173.785},{"sentences":[{"text":"What are you gonna do for the other six months?","start":4173.785,"end":4175.645,"sentiment":"neutral","sentiment_score":-0.014734960161149502},{"text":"So what we can do is we can introduce a waiting period, Scott.","start":4177.545,"end":4180.925,"sentiment":"neutral","sentiment_score":0.21793748209109673},{"text":"So we can structure that policy that we're gonna recommend for you to have a six month waiting period.","start":4181.145,"end":4187.27,"sentiment":"neutral","sentiment_score":0.27780590480879735},{"text":"So for six months, you get paid by the union, cuts off, then we initiate the payment from the six month mark because of the income protection claim, and that'll cover you for another five years, let's say, or even all the way up to age 65 if you want.","start":4187.6504,"end":4200.8247,"sentiment":"neutral","sentiment_score":0.17368902437388897},{"text":"But I like five years because if you're gonna go back to use your duties of work for for more than five years, you're probably never gonna go back to work again.","start":4200.8247,"end":4209.385,"sentiment":"neutral","sentiment_score":0.07127535482868552}],"sentiment":"neutral","sentiment_score":0.1526565518560669,"num_words":124,"start":4173.785,"end":4209.385},{"sentences":[{"text":"And you if you have TPD, it sounds like a TPD claim to me.","start":4209.385,"end":4213.37,"sentiment":"neutral","sentiment_score":0.02403321010725839},{"text":"So you get the best of both worlds.","start":4213.37,"end":4215.23,"sentiment":"positive","sentiment_score":0.4720580615103245},{"text":"You know what I mean?","start":4215.29,"end":4216.5103,"sentiment":"neutral","sentiment_score":0.09831412062048912},{"text":"So I'll show you.","start":4217.29,"end":4218.0903,"sentiment":"neutral","sentiment_score":0.15499798953533173},{"text":"I'll work that out, and I'll calculate all that because overall goal is to make sure that you're insured for that enough, but not pay the nominal leg for it.","start":4218.0903,"end":4225.875,"sentiment":"neutral","sentiment_score":0.19169412727157276}],"sentiment":"neutral","sentiment_score":0.17992321004877326,"num_words":61,"start":4209.385,"end":4225.875},{"sentences":[{"text":"Right?","start":4225.875,"end":4226.035,"sentiment":"neutral","sentiment_score":0.15281182527542114},{"text":"We wanna try and balance it out, especially if it's coming out as super.","start":4226.035,"end":4230.135,"sentiment":"neutral","sentiment_score":0.23048803636005946},{"text":"But, yep, that's a breakdown of the fees.","start":4230.195,"end":4232.115,"sentiment":"neutral","sentiment_score":-0.04429512261413038},{"text":"We get we get to remunerated commission from insurance companies.","start":4232.115,"end":4236.535,"sentiment":"neutral","sentiment_score":-0.03951187618076801},{"text":"The insurance company, if we write insurance or any sort of endowment policy or any sort of risk investments, we get paid commission on that.","start":4236.595,"end":4244.4,"sentiment":"neutral","sentiment_score":-0.04276626328006387}],"sentiment":"neutral","sentiment_score":0.02691393119989541,"num_words":58,"start":4225.875,"end":4244.4},{"sentences":[{"text":"All the commissions are same, 66% across all insurers.","start":4244.4,"end":4247.8604,"sentiment":"neutral","sentiment_score":-0.030318073514435027},{"text":"So we don't favor one over the other.","start":4247.92,"end":4249.44,"sentiment":"neutral","sentiment_score":-0.2824262045323849},{"text":"It's just whatever is best for your risk rating and appetite in terms of your occupation.","start":4249.44,"end":4254.175,"sentiment":"neutral","sentiment_score":-0.13376925652846694},{"text":"Last thing I wanna just touch on, we've got all the insurances you can ever imagine.","start":4255.275,"end":4258.735,"sentiment":"neutral","sentiment_score":-0.1205978961661458},{"text":"Pay a lot pay through the teeth for them.","start":4258.795,"end":4261.275,"sentiment":"neutral","sentiment_score":-0.2545738336112764}],"sentiment":"neutral","sentiment_score":-0.15333295247421183,"num_words":58,"start":4244.4,"end":4261.275},{"sentences":[{"text":"But last thing is point 11, complaints handling, and then just backfire with them.","start":4261.275,"end":4266.255,"sentiment":"negative","sentiment_score":-0.34142013852085384},{"text":"So the complaints handling.","start":4267.13,"end":4268.51,"sentiment":"neutral","sentiment_score":-0.239474818110466},{"text":"What happens if what was that example I used earlier?","start":4269.29,"end":4271.69,"sentiment":"neutral","sentiment_score":-0.21166306883096694},{"text":"What happens if you give your super to us and we've we're managing and you find out you got no super in your account because I've run away with it to I think it was The Bahamas and pina coladas or something.","start":4271.69,"end":4279.9297,"sentiment":"negative","sentiment_score":-0.34421677035944803},{"text":"I'm on the I'm in The Bahamas drinking pina coladas.","start":4279.9297,"end":4282.155,"sentiment":"neutral","sentiment_score":0.04068155586719513}],"sentiment":"neutral","sentiment_score":-0.2738087587058544,"num_words":80,"start":4261.275,"end":4282.155},{"sentences":[{"text":"Right?","start":4282.795,"end":4283.195,"sentiment":"neutral","sentiment_score":0.03044045716524124},{"text":"What do you do?","start":4283.195,"end":4284.0947,"sentiment":"neutral","sentiment_score":-0.007084047421813011},{"text":"Because you wouldn't be well, the first thing you do is you'd go through what's called an internal dispute resolution IDL and get in touch with the compliance manager of the Australian Financial Services license that that firm works under or is.","start":4284.155,"end":4295.695,"sentiment":"neutral","sentiment_score":-0.106932284177414},{"text":"That is me.","start":4295.755,"end":4296.735,"sentiment":"neutral","sentiment_score":-0.08718242247899373},{"text":"But I'm gonna be in The Bahamas, drinking beer and collabs with your money.","start":4297.98,"end":4300.7,"sentiment":"neutral","sentiment_score":-0.1648884623178414}],"sentiment":"neutral","sentiment_score":-0.110297459497815,"num_words":64,"start":4282.795,"end":4300.7},{"sentences":[{"text":"So I probably wouldn't wanna speak to you, and you more than likely wouldn't wanna speak to me.","start":4300.7,"end":4304.56,"sentiment":"negative","sentiment_score":-0.3604430647359954},{"text":"So for that reason, Boss, my business partner, he's also a he's also a a a responsible manager compliance manager on the license.","start":4304.62,"end":4314.475,"sentiment":"neutral","sentiment_score":-0.02512429735582808},{"text":"We have to be linked to it.","start":4314.475,"end":4315.935,"sentiment":"neutral","sentiment_score":-0.0215437545308045},{"text":"And you'll get in touch with him, and you'll save save us a bit of dick.","start":4315.995,"end":4319.5947,"sentiment":"neutral","sentiment_score":-0.14562752074562013},{"text":"You ran away with my money.","start":4319.5947,"end":4320.895,"sentiment":"negative","sentiment_score":-0.751513252655665}],"sentiment":"neutral","sentiment_score":-0.20079657334302153,"num_words":70,"start":4300.7,"end":4320.895},{"sentences":[{"text":"What do I do about it?","start":4321.275,"end":4322.395,"sentiment":"negative","sentiment_score":-0.5392656624317169},{"text":"And we will we've we've only had two complaints in almost ten years, so that's pretty pretty pretty good.","start":4322.395,"end":4327.58,"sentiment":"neutral","sentiment_score":-0.11412426450069209},{"text":"But, yeah, we're pretty reasonable people.","start":4327.64,"end":4329.72,"sentiment":"neutral","sentiment_score":0.27709292620420456},{"text":"Please give us a call if you're upset about anything.","start":4329.72,"end":4331.72,"sentiment":"neutral","sentiment_score":0.01413654908537865},{"text":"We'll work it out.","start":4331.72,"end":4332.7,"sentiment":"neutral","sentiment_score":0.04976985417306423}],"sentiment":"neutral","sentiment_score":-0.07557672300738179,"num_words":45,"start":4321.275,"end":4332.7},{"sentences":[{"text":"But if for some reason we don't work it out, then you can go to what's called AFTRA, the Australian Financial Complaints Authority, and they essentially are like our ombudsman.","start":4333.16,"end":4342.925,"sentiment":"neutral","sentiment_score":-0.1240258933355411},{"text":"They'll they'll come down on us like a ton of bricks and just make sure that everything's fair and reasonable and go from there.","start":4342.985,"end":4348.445,"sentiment":"neutral","sentiment_score":-0.053502078633755445},{"text":"Okay?","start":4348.505,"end":4348.905,"sentiment":"neutral","sentiment_score":0.045275233685970306},{"text":"Makes sense?","start":4348.905,"end":4349.645,"sentiment":"neutral","sentiment_score":0.10727271810173988},{"text":"Beautiful.","start":4350.905,"end":4351.405,"sentiment":"positive","sentiment_score":0.4773930311203003}],"sentiment":"neutral","sentiment_score":-0.07357953424597609,"num_words":58,"start":4333.16,"end":4351.405},{"sentences":[{"text":"Do you have any questions about the financial services guide?","start":4351.465,"end":4353.965,"sentiment":"neutral","sentiment_score":0.1369932234287262},{"text":"Beautiful.","start":4355.92,"end":4356.42,"sentiment":"neutral","sentiment_score":0.32872048020362854},{"text":"The last thing I'm gonna do is I'm gonna shoot through a couple of questions regarding your risk profile, and then I'm gonna book in some time for us to catch up another couple of weeks and present you with some statement of advice, recommendations.","start":4357.04,"end":4368.9,"sentiment":"neutral","sentiment_score":0.09560101669695642},{"text":"K?","start":4369.52,"end":4370.0,"sentiment":"neutral","sentiment_score":0.04671311005949974},{"text":"So how would you describe your experience in understanding investment markets?","start":4370.0,"end":4375.665,"sentiment":"neutral","sentiment_score":0.03096376190131361}],"sentiment":"neutral","sentiment_score":0.09394136701217469,"num_words":68,"start":4351.465,"end":4375.665},{"sentences":[{"text":"Would you say that you've had a positive experience in the ETFs and the stuff that you've been buying, or would you say that you've learned risk and reward balance from negative experiences?","start":4375.665,"end":4382.965,"sentiment":"neutral","sentiment_score":0.2126221586809014},{"text":"Nice.","start":4392.88,"end":4393.38,"sentiment":"positive","sentiment_score":0.7172489762306213},{"text":"Well done.","start":4393.52,"end":4394.2603,"sentiment":"positive","sentiment_score":0.6665245294570923},{"text":"Yep.","start":4400.6753,"end":4400.995,"sentiment":"neutral","sentiment_score":0.23070912063121796},{"text":"Beautiful.","start":4400.995,"end":4401.495,"sentiment":"positive","sentiment_score":0.5280440449714661}],"sentiment":"neutral","sentiment_score":0.2585679588741378,"num_words":38,"start":4375.665,"end":4401.495},{"sentences":[{"text":"Yep.","start":4407.315,"end":4407.815,"sentiment":"neutral","sentiment_score":0.11362874507904051},{"text":"Gotcha.","start":4410.93,"end":4411.43,"sentiment":"neutral","sentiment_score":-0.04009183496236801},{"text":"Medium risk.","start":4417.5703,"end":4418.37,"sentiment":"neutral","sentiment_score":-0.03792854119092226},{"text":"Well, that's why we ask these questions because we break it down to make sure that we do find the right appetite.","start":4418.37,"end":4423.5103,"sentiment":"neutral","sentiment_score":0.10798082246699116},{"text":"Because now with when you're talking about risk, you got about four ingredients in the melting pot, if you would.","start":4423.825,"end":4428.725,"sentiment":"neutral","sentiment_score":0.014501999039202929}],"sentiment":"neutral","sentiment_score":0.05789778049549331,"num_words":46,"start":4407.315,"end":4428.725},{"sentences":[{"text":"The agree the the four things is, one, your risk profile, what you come out of as from a quantitative qualitative to convert into a quantitative analysis.","start":4429.425,"end":4437.605,"sentiment":"neutral","sentiment_score":0.02206512857918386},{"text":"And from there, you also need to understand time horizon because time is literally risk.","start":4438.1504,"end":4443.1104,"sentiment":"neutral","sentiment_score":-0.011957941204309463},{"text":"Time time equals risk.","start":4443.1104,"end":4444.31,"sentiment":"neutral","sentiment_score":-0.02036344725638628},{"text":"If you open up a Andex task, you're in front of the computer.","start":4444.31,"end":4447.6704,"sentiment":"neutral","sentiment_score":0.005427970049472956},{"text":"Yeah?","start":4447.6704,"end":4448.1704,"sentiment":"neutral","sentiment_score":0.031246446073055267}],"sentiment":"neutral","sentiment_score":0.007279093687733014,"num_words":60,"start":4429.425,"end":4448.1704},{"sentences":[{"text":"If you go on to a new tab and you type in andex.com.au, let me know if you got that up.","start":4451.205,"end":4462.105,"sentiment":"neutral","sentiment_score":0.035702596817697795},{"text":"And extra chart.","start":4465.08,"end":4465.96,"sentiment":"neutral","sentiment_score":0.02266472081343333},{"text":"So click on the poster, and then there's a little magnifying glass, the top right corner of the of the actual poster.","start":4465.96,"end":4473.1,"sentiment":"neutral","sentiment_score":0.03453303001482378},{"text":"And I'll open it up.","start":4473.72,"end":4475.02,"sentiment":"neutral","sentiment_score":0.04500834494829178},{"text":"And then let me know when you're looking at that.","start":4475.3203,"end":4477.2603,"sentiment":"neutral","sentiment_score":0.049165447056293485}],"sentiment":"neutral","sentiment_score":0.03760936969249952,"num_words":61,"start":4451.205,"end":4477.2603},{"sentences":[{"text":"It's a bit juicy prop from '19 '50 all the way through those colors.","start":4479.685,"end":4483.365,"sentiment":"neutral","sentiment_score":0.05606475166444268},{"text":"Yep.","start":4483.365,"end":4483.845,"sentiment":"neutral","sentiment_score":0.06768424808979034},{"text":"So the blue line is a full Australian index.","start":4483.845,"end":4486.825,"sentiment":"neutral","sentiment_score":0.064411753995551},{"text":"Top 300, ASX, S and P 300.","start":4487.0454,"end":4489.625,"sentiment":"neutral","sentiment_score":0.048907630677734105},{"text":"Light blue lines, what you're in at the moment with super with Cbus, the my super balance portfolio, it's about 70% risk on, 30% defensive.","start":4490.325,"end":4497.93,"sentiment":"neutral","sentiment_score":0.05911085935309529}],"sentiment":"neutral","sentiment_score":0.05807895457006192,"num_words":56,"start":4479.685,"end":4497.93},{"sentences":[{"text":"Now it says green is long term bonds.","start":4498.47,"end":4500.71,"sentiment":"neutral","sentiment_score":0.013268455164507031},{"text":"As you can see, they haven't been doing too well lately.","start":4500.71,"end":4502.81,"sentiment":"neutral","sentiment_score":-0.14905992048707875},{"text":"Then Graves Cash and CPI is the orange line.","start":4503.27,"end":4506.49,"sentiment":"neutral","sentiment_score":0.11302545004420811},{"text":"At the far left hand side, if you click on the little plus sign, you'll see the growth.","start":4506.7153,"end":4510.475,"sentiment":"neutral","sentiment_score":0.11554878287845188},{"text":"If you invested a $100 in any one of these assets in 1950, what would it do if you had no acquisition costs, no taxes, and all incomes that you receive by way of dividend or distributions, we reinvest back in to that exact same index of all products.","start":4510.475,"end":4526.4097,"sentiment":"neutral","sentiment_score":0.1585135969276331}],"sentiment":"neutral","sentiment_score":0.09821854639602334,"num_words":95,"start":4498.47,"end":4526.4097},{"sentences":[{"text":"Right?","start":4526.4097,"end":4526.9097,"sentiment":"neutral","sentiment_score":0.07909365743398666},{"text":"So a $100 on the dark blue line, this is literally what we're talking about when you talk about time versus risk.","start":4527.13,"end":4532.955,"sentiment":"neutral","sentiment_score":0.005467325110327114},{"text":"So dark blue line is just straight shares, riskiest you can get, right, other than crypto probably, but back then, they didn't have that.","start":4533.435,"end":4540.815,"sentiment":"neutral","sentiment_score":-0.14210815789798895},{"text":"So if you go along the line, the industrial kinda crash where the bank cards were launched in the mid seventies, that's the first kinda drop.","start":4540.875,"end":4548.815,"sentiment":"negative","sentiment_score":-0.3777660286197296},{"text":"That's a big one.","start":4548.95,"end":4549.67,"sentiment":"negative","sentiment_score":-0.36111287772655487}],"sentiment":"neutral","sentiment_score":-0.1880206394118148,"num_words":77,"start":4526.4097,"end":4549.67},{"sentences":[{"text":"Next one up is that the big sharp one in the eighties.","start":4549.67,"end":4553.0503,"sentiment":"neutral","sentiment_score":-0.14445576754709086},{"text":"You're looking at so I think it was '86, '87.","start":4553.83,"end":4556.15,"sentiment":"neutral","sentiment_score":-0.07246629521250725},{"text":"That's when mister Jordan Belford's first day of trading went and they had black Black Friday.","start":4556.15,"end":4561.8647,"sentiment":"neutral","sentiment_score":-0.23672438599169254},{"text":"That is Black Friday, massive drop.","start":4562.8047,"end":4564.905,"sentiment":"negative","sentiment_score":-0.45397718747456867},{"text":"A little bit closer to home, 2007 to 2009 is the global financial crisis.","start":4565.045,"end":4571.2246,"sentiment":"negative","sentiment_score":-0.41754033310072763}],"sentiment":"neutral","sentiment_score":-0.255433622876118,"num_words":58,"start":4549.67,"end":4571.2246},{"sentences":[{"text":"To put in perspective, that big drop there for GSP was 62% of my Australian shares.","start":4571.525,"end":4578.15,"sentiment":"neutral","sentiment_score":-0.2503329385071993},{"text":"So if you had a $100 in the S and P ASX three hundred, you'll you would have $38,000 left.","start":4578.21,"end":4585.59,"sentiment":"neutral","sentiment_score":-0.10509439706802368},{"text":"Right?","start":4585.65,"end":4586.15,"sentiment":"neutral","sentiment_score":-0.15428923070430756},{"text":"Not not ideal.","start":4586.21,"end":4587.11,"sentiment":"negative","sentiment_score":-0.5717867811520895},{"text":"But if you kept your cool and you kept so you only you didn't put anything more in, you didn't sell, it would have taken, I believe, five point five point four years to break even again.","start":4587.17,"end":4598.265,"sentiment":"negative","sentiment_score":-0.44414287161182714}],"sentiment":"neutral","sentiment_score":-0.3170149452113486,"num_words":77,"start":4571.525,"end":4598.265},{"sentences":[{"text":"So that's what we're talking about when talking about time horizon.","start":4598.725,"end":4601.945,"sentiment":"neutral","sentiment_score":-0.11408975517207925},{"text":"So if you draw a line from the top point across, so one, two, three, four, five, and a bit, it was it was four it was five point four, not five years and four months, but five point four months of years to be able to get you a 100 back.","start":4602.085,"end":4616.445,"sentiment":"neutral","sentiment_score":-0.053710283836922966},{"text":"So even in the riskiest assets, if your investment time horizon is ten years, then you can you can essentially take as much risk as you like because you're looking at about a six year time horizon for a full growth portfolio.","start":4616.525,"end":4630.7046,"sentiment":"neutral","sentiment_score":-0.004470024169200943},{"text":"Does that make sense?","start":4631.57,"end":4632.37,"sentiment":"neutral","sentiment_score":0.09885381162166595},{"text":"Or little bit.","start":4632.37,"end":4635.81,"sentiment":"neutral","sentiment_score":0.021010498826702435}],"sentiment":"neutral","sentiment_score":-0.033725145879933346,"num_words":112,"start":4598.725,"end":4635.81},{"sentences":[{"text":"So, yeah, that's the that time horizon is really important.","start":4635.81,"end":4638.77,"sentiment":"neutral","sentiment_score":0.0959976889193058},{"text":"When we're looking at your super, you've got thirty years.","start":4638.77,"end":4641.49,"sentiment":"neutral","sentiment_score":0.0693482767790556},{"text":"This is over thirty five.","start":4641.49,"end":4642.785,"sentiment":"neutral","sentiment_score":0.06725679337978363},{"text":"Well, this is over thirty years.","start":4642.9453,"end":4644.4653,"sentiment":"neutral","sentiment_score":0.1076003722846508},{"text":"And to just show you the compounding power, compounding return of you know, essentially, this is 2.5% CPI as well, but a $100 in the s and p 300 would be worth $362,654, 11.5% return every year on average.","start":4644.4653,"end":4661.3403,"sentiment":"neutral","sentiment_score":0.11994891107464448}],"sentiment":"neutral","sentiment_score":0.1044764769928796,"num_words":70,"start":4635.81,"end":4661.3403},{"sentences":[{"text":"Right?","start":4663.08,"end":4663.4004,"sentiment":"neutral","sentiment_score":0.09805113077163696},{"text":"And it shows you the different aspects.","start":4663.4004,"end":4665.02,"sentiment":"neutral","sentiment_score":0.10513651158128466},{"text":"I would looking at your time horizon, not only that, we also need to take the other two into accounts, which is risk tolerance and risk capacity.","start":4665.48,"end":4673.645,"sentiment":"neutral","sentiment_score":0.04517014228083469},{"text":"You have capacity to lose money, make it back.","start":4673.785,"end":4676.045,"sentiment":"neutral","sentiment_score":-0.029656475616825953},{"text":"And not only that, you're tolerant.","start":4676.905,"end":4678.745,"sentiment":"neutral","sentiment_score":0.07074782935281594}],"sentiment":"neutral","sentiment_score":0.044223584979772565,"num_words":50,"start":4663.08,"end":4678.745},{"sentences":[{"text":"So, like, you know, that's that's actually one of the next questions I have.","start":4678.745,"end":4681.945,"sentiment":"neutral","sentiment_score":0.08656481972762517},{"text":"So what let's talk about that.","start":4681.945,"end":4683.97,"sentiment":"neutral","sentiment_score":0.009311748202890158},{"text":"So your so investments go up and down in value.","start":4683.97,"end":4687.0103,"sentiment":"neutral","sentiment_score":-0.05318495072424412},{"text":"It's called volatility, and you we need to understand your your tolerance to that volatility.","start":4687.0103,"end":4692.5503,"sentiment":"neutral","sentiment_score":-0.12241346140702565},{"text":"Right?","start":4692.69,"end":4693.0903,"sentiment":"neutral","sentiment_score":-0.08756425231695175}],"sentiment":"neutral","sentiment_score":-0.025822559027406183,"num_words":46,"start":4678.745,"end":4693.0903},{"sentences":[{"text":"So how much could your investment drop and say super?","start":4693.0903,"end":4696.39,"sentiment":"neutral","sentiment_score":-0.18860463201999664},{"text":"If it how much could it drop in value over a year before you start feeling concerned and anxious?","start":4696.535,"end":4701.6753,"sentiment":"neutral","sentiment_score":-0.17269918636271828},{"text":"Would you say more than 50%, up to 50%, up to 25%, or up to 10?","start":4701.895,"end":4706.6353,"sentiment":"neutral","sentiment_score":-0.08880379842594266},{"text":"Beautiful.","start":4716.5503,"end":4717.0503,"sentiment":"neutral","sentiment_score":-0.01182871311903},{"text":"I'm yeah.","start":4726.6953,"end":4728.535,"sentiment":"neutral","sentiment_score":0.10780252702534199}],"sentiment":"neutral","sentiment_score":-0.13300865197864672,"num_words":48,"start":4693.0903,"end":4728.535},{"sentences":[{"text":"Absolutely.","start":4728.535,"end":4729.035,"sentiment":"positive","sentiment_score":0.3645334839820862},{"text":"Absolutely.","start":4729.3354,"end":4729.8354,"sentiment":"positive","sentiment_score":0.3984573483467102},{"text":"That makes sense.","start":4730.055,"end":4730.855,"sentiment":"positive","sentiment_score":0.39670493205388385},{"text":"Because, yeah, the if you look at ratio, literally one 12 eleven point nine years.","start":4730.855,"end":4736.2354,"sentiment":"neutral","sentiment_score":0.11593035012483596},{"text":"If you look at any portfolio, any product, any risk risk profile on the market or out there, you the most risky you can guess if you take from when markets began to almost twelve years.","start":4736.42,"end":4749.2197,"sentiment":"neutral","sentiment_score":-0.05526948513256179}],"sentiment":"neutral","sentiment_score":0.030399275278406485,"num_words":56,"start":4728.535,"end":4749.2197},{"sentences":[{"text":"I like to say twelve years, but 11.9 is a ratio of one to 1.001.","start":4749.2197,"end":4754.605,"sentiment":"neutral","sentiment_score":0.034417583420872686},{"text":"So you you essentially, even in the most risky markets on the planet, if you took an index approach, you would for for a time horizon of twelve almost twelve years, you would not lose.","start":4754.825,"end":4767.98,"sentiment":"neutral","sentiment_score":-0.003305276270423617},{"text":"Okay?","start":4767.98,"end":4768.48,"sentiment":"neutral","sentiment_score":0.018137488514184952},{"text":"But based on that way, you'd how would you feel if in six months after investing, you find out that your portfolio in supers decreased by 20%?","start":4768.78,"end":4778.94,"sentiment":"neutral","sentiment_score":-0.1754770497963936},{"text":"What do you do?","start":4778.94,"end":4779.705,"sentiment":"neutral","sentiment_score":-0.14122510328888893}],"sentiment":"neutral","sentiment_score":-0.059561758381655304,"num_words":82,"start":4749.2197,"end":4779.705},{"sentences":[{"text":"Would you, one, invest heavily, expecting future return?","start":4779.9453,"end":4783.245,"sentiment":"neutral","sentiment_score":-0.025715975323691964},{"text":"Over the longer term, would you, two, invest modestly to hopefully get a bit of a return?","start":4783.545,"end":4788.185,"sentiment":"neutral","sentiment_score":-0.012572103673044373},{"text":"Or would you, three, hold and wait a proof of not speaking to your financial professional?","start":4788.185,"end":4792.205,"sentiment":"neutral","sentiment_score":-0.19907222222536802},{"text":"Or four, tell me to get stuff to move everything to cash?","start":4792.345,"end":4794.96,"sentiment":"neutral","sentiment_score":-0.1879022525002559},{"text":"I've dropped 20 in six months.","start":4797.84,"end":4799.6,"sentiment":"negative","sentiment_score":-0.4668846478064855}],"sentiment":"neutral","sentiment_score":-0.14679227182168073,"num_words":59,"start":4779.9453,"end":4799.6},{"sentences":[{"text":"Yeah.","start":4799.6,"end":4800.1,"sentiment":"neutral","sentiment_score":-0.2367615103721619},{"text":"Okay.","start":4811.935,"end":4812.435,"sentiment":"neutral","sentiment_score":-0.1563786268234253},{"text":"Emotional bias.","start":4820.48,"end":4821.54,"sentiment":"neutral","sentiment_score":-0.0662652850151062},{"text":"Yep.","start":4822.32,"end":4822.64,"sentiment":"neutral","sentiment_score":0.0024904883466660976},{"text":"That's emotional bias.","start":4822.64,"end":4823.78,"sentiment":"neutral","sentiment_score":-0.10816594709952672}],"sentiment":"neutral","sentiment_score":-0.1059597575222142,"num_words":8,"start":4799.6,"end":4823.78},{"sentences":[{"text":"Yep.","start":4823.84,"end":4824.34,"sentiment":"neutral","sentiment_score":-0.011717943474650385},{"text":"Man, we are gonna get along just fine.","start":4829.76,"end":4831.84,"sentiment":"neutral","sentiment_score":0.19223246723413467},{"text":"That is exactly right.","start":4831.84,"end":4833.12,"sentiment":"neutral","sentiment_score":0.1284608617424965},{"text":"Yep.","start":4833.12,"end":4833.44,"sentiment":"neutral","sentiment_score":0.06864289939403534},{"text":"Yeah.","start":4833.44,"end":4833.76,"sentiment":"neutral","sentiment_score":0.04637366905808449}],"sentiment":"neutral","sentiment_score":0.14366678732136887,"num_words":15,"start":4823.84,"end":4833.76},{"sentences":[{"text":"When we we people like us, we we we wait for big crashes, and, you know, COVID was a great example of that.","start":4833.76,"end":4840.715,"sentiment":"neutral","sentiment_score":-0.24050806333189426},{"text":"Everybody's losing their minds, selling out, and we're just rubbing our hands, holding, going, please, please drop more because if everything's on sale, a fire sale.","start":4840.775,"end":4854.32,"sentiment":"negative","sentiment_score":-0.3938442168291658},{"text":"But you would you'd essentially just hold off and wait to speak to myself to tell me to ask me what to do.","start":4854.32,"end":4859.52,"sentiment":"neutral","sentiment_score":-0.15777082255353098},{"text":"Right?","start":4859.52,"end":4860.02,"sentiment":"neutral","sentiment_score":-0.008941572159528732},{"text":"Or would you just kind of wait till it's at a really low point and then do it like, be open to putting some money in yourself?","start":4862.335,"end":4868.595,"sentiment":"neutral","sentiment_score":0.04463308953024723}],"sentiment":"neutral","sentiment_score":-0.18204212167765946,"num_words":100,"start":4833.76,"end":4868.595},{"sentences":[{"text":"Oh, just in yeah.","start":4873.935,"end":4874.735,"sentiment":"neutral","sentiment_score":-0.0024102607276290655},{"text":"Just in general.","start":4874.735,"end":4875.455,"sentiment":"neutral","sentiment_score":-0.007134078070521355},{"text":"Both.","start":4875.455,"end":4875.855,"sentiment":"neutral","sentiment_score":0.01894662156701088},{"text":"Both.","start":4875.855,"end":4876.255,"sentiment":"neutral","sentiment_score":0.01854245364665985},{"text":"Either or.","start":4876.255,"end":4876.83,"sentiment":"neutral","sentiment_score":0.0005935034714639185}],"sentiment":"neutral","sentiment_score":0.0006938913667743856,"num_words":11,"start":4873.935,"end":4876.83},{"sentences":[{"text":"Mhmm.","start":4887.87,"end":4888.37,"sentiment":"neutral","sentiment_score":-0.12522050738334656},{"text":"Yeah.","start":4889.31,"end":4889.71,"sentiment":"neutral","sentiment_score":-0.0712367445230484},{"text":"What's what's happening?","start":4889.71,"end":4890.75,"sentiment":"neutral","sentiment_score":-0.10068306575218837},{"text":"Yep.","start":4890.75,"end":4891.095,"sentiment":"neutral","sentiment_score":0.059483662247657776},{"text":"Yep.","start":4893.6553,"end":4894.1553,"sentiment":"neutral","sentiment_score":0.10684190690517426}],"sentiment":"neutral","sentiment_score":-0.04745441143001829,"num_words":7,"start":4887.87,"end":4894.1553},{"sentences":[{"text":"Yep.","start":4894.935,"end":4895.2554,"sentiment":"neutral","sentiment_score":0.10576926171779633},{"text":"Okay.","start":4895.2554,"end":4895.575,"sentiment":"neutral","sentiment_score":0.05730249360203743},{"text":"So would you would you would you say that, say, hold and wait improvements is probably the best answer for that one?","start":4895.575,"end":4901.595,"sentiment":"neutral","sentiment_score":0.05427846922115846},{"text":"Yep.","start":4904.2954,"end":4904.64,"sentiment":"neutral","sentiment_score":0.10595887154340744},{"text":"Yeah.","start":4905.12,"end":4905.3604,"sentiment":"neutral","sentiment_score":0.21405264735221863}],"sentiment":"neutral","sentiment_score":0.06450806142619023,"num_words":26,"start":4894.935,"end":4905.3604},{"sentences":[{"text":"Cool.","start":4905.3604,"end":4905.7603,"sentiment":"neutral","sentiment_score":0.30402374267578125},{"text":"And then if I yeah.","start":4905.7603,"end":4907.12,"sentiment":"neutral","sentiment_score":0.11458802670240402},{"text":"If it's if it's got something to do with, like, you know, a southern worldwide pandemic, yeah, I would probably be hold off until we find recovery.","start":4907.12,"end":4915.7,"sentiment":"neutral","sentiment_score":0.012120032269093726},{"text":"So we also do active management just to give you peace of mind.","start":4915.7603,"end":4918.725,"sentiment":"neutral","sentiment_score":0.23038286314560816},{"text":"So during that pain, for example, COVID, we sold all of our clients' growth assets down to 50% cash position about four days into the declared pandemic.","start":4918.805,"end":4928.105,"sentiment":"neutral","sentiment_score":0.027953972695050417}],"sentiment":"neutral","sentiment_score":0.0678621812481178,"num_words":73,"start":4905.3604,"end":4928.105},{"sentences":[{"text":"And then about when we when I believe, a little bit later, about three weeks, three and a half weeks after the bottom of market, so during recovery, we've reinvested.","start":4928.165,"end":4937.08,"sentiment":"neutral","sentiment_score":0.022562833378712337},{"text":"We mitigated about nine between 79% worth of losses for clients just from our market movement.","start":4937.14,"end":4945.495,"sentiment":"neutral","sentiment_score":0.06591112958267331},{"text":"So we do a little bit of active management in your in the background as well.","start":4945.5547,"end":4949.235,"sentiment":"neutral","sentiment_score":0.235644044354558},{"text":"K?","start":4949.235,"end":4949.735,"sentiment":"neutral","sentiment_score":0.07506459951400757},{"text":"Alright.","start":4951.235,"end":4951.5547,"sentiment":"neutral","sentiment_score":0.09095340222120284}],"sentiment":"neutral","sentiment_score":0.0885591529076919,"num_words":64,"start":4928.165,"end":4951.5547},{"sentences":[{"text":"What kind of return?","start":4951.5547,"end":4952.275,"sentiment":"neutral","sentiment_score":-0.01518187091278378},{"text":"This is one of those stupid questions, but what kind of return do you expect to achieve with investing with us?","start":4952.275,"end":4958.46,"sentiment":"neutral","sentiment_score":0.06775603656257902},{"text":"18% and above, 26.8%, 34.6%, 42.4%, or five zero point two percent.","start":4958.7,"end":4965.76,"sentiment":"neutral","sentiment_score":0.2305531327923139},{"text":"I'm gonna say the most much as possible.","start":4965.98,"end":4967.98,"sentiment":"positive","sentiment_score":0.3340972065925598},{"text":"Right?","start":4967.98,"end":4968.48,"sentiment":"neutral","sentiment_score":0.10187382996082306}],"sentiment":"neutral","sentiment_score":0.1500747469646107,"num_words":46,"start":4951.5547,"end":4968.48},{"sentences":[{"text":"Yeah.","start":4970.14,"end":4970.64,"sentiment":"neutral","sentiment_score":0.010638248175382614},{"text":"You'd think so.","start":4971.545,"end":4972.605,"sentiment":"neutral","sentiment_score":0.022591696431239445},{"text":"Yep.","start":4972.665,"end":4973.065,"sentiment":"neutral","sentiment_score":0.15353509783744812},{"text":"You'd hope so.","start":4973.065,"end":4974.045,"sentiment":"neutral","sentiment_score":0.2103139559427897},{"text":"And how much or next question is I'm gonna ask that for you because what kind of income do you expect to receive from your investments?","start":4974.905,"end":4982.3647,"sentiment":"neutral","sentiment_score":0.06701557166301288}],"sentiment":"neutral","sentiment_score":0.07662632842274274,"num_words":34,"start":4970.14,"end":4982.3647},{"sentences":[{"text":"This is more for older clients.","start":4982.425,"end":4983.965,"sentiment":"neutral","sentiment_score":-0.0009984982510407765},{"text":"So, you know, one's capital growth only, no income.","start":4984.34,"end":4987.54,"sentiment":"neutral","sentiment_score":0.04181355196568701},{"text":"That's what we want, and that's what you want in this accumulation phase because yeah.","start":4987.54,"end":4994.2603,"sentiment":"neutral","sentiment_score":0.2881551633278529},{"text":"You you you just have to pay 15% tax on super or if it's in your personal name.","start":4994.2603,"end":4998.525,"sentiment":"neutral","sentiment_score":0.1575668714940548},{"text":"It adds on to all income.","start":4998.525,"end":4999.985,"sentiment":"neutral","sentiment_score":0.21969537188609442}],"sentiment":"neutral","sentiment_score":0.1638339693761534,"num_words":54,"start":4982.425,"end":4999.985},{"sentences":[{"text":"It's added on to your taxable income whether you reinvest or not.","start":5000.125,"end":5003.085,"sentiment":"neutral","sentiment_score":0.17776105677088103},{"text":"So you just wanna accumulate the biggest pool as possible in an environment like Super so that when you get to actually drawing down on it or receiving an income on a larger pool, which means more income, you wanna be you want it to be as tax effective as possible.","start":5003.085,"end":5016.82,"sentiment":"positive","sentiment_score":0.3370286614871493},{"text":"Right?","start":5016.82,"end":5017.32,"sentiment":"neutral","sentiment_score":0.07253216207027435},{"text":"At the moment, while you're working and before the age of preservation with super, it's not gonna be coming from by way of income.","start":5018.6597,"end":5025.2197,"sentiment":"neutral","sentiment_score":-0.1193297787879904},{"text":"So we wanna try and get growth assets and accumulate as much growth in the actual stock value than actually receiving income that comes later.","start":5025.2197,"end":5034.485,"sentiment":"neutral","sentiment_score":0.019757321178913115}],"sentiment":"neutral","sentiment_score":0.15065614971439395,"num_words":113,"start":5000.125,"end":5034.485},{"sentences":[{"text":"Okay?","start":5034.545,"end":5035.025,"sentiment":"neutral","sentiment_score":0.01880189403891563},{"text":"Does that make sense?","start":5035.025,"end":5036.085,"sentiment":"neutral","sentiment_score":0.030286301858723164},{"text":"Okay.","start":5038.545,"end":5038.8647,"sentiment":"neutral","sentiment_score":0.24033859372138977},{"text":"Perfect.","start":5038.8647,"end":5039.3647,"sentiment":"positive","sentiment_score":0.4001676738262177},{"text":"Now we're we're there's something we worry about when we get to the age of fifty fifty five.","start":5039.425,"end":5043.58,"sentiment":"neutral","sentiment_score":-0.05926257847911782}],"sentiment":"neutral","sentiment_score":-0.0114509217441082,"num_words":25,"start":5034.545,"end":5043.58},{"sentences":[{"text":"Alright?","start":5043.58,"end":5044.08,"sentiment":"neutral","sentiment_score":-0.0039409613236784935},{"text":"Now have you thought about taking out a loan to invest?","start":5045.9,"end":5048.94,"sentiment":"neutral","sentiment_score":-0.03924024477601051},{"text":"Last two questions.","start":5048.94,"end":5049.7397,"sentiment":"neutral","sentiment_score":-0.030114417274792988},{"text":"Have you thought about taking out a loan to invest?","start":5049.7397,"end":5051.68,"sentiment":"neutral","sentiment_score":-0.052928896993398665},{"text":"Would you say, one, you have borrowed or open borrowing open to borrowing like a margin loan for stocks and managed funds?","start":5051.82,"end":5058.8,"sentiment":"neutral","sentiment_score":-0.06562199909240007}],"sentiment":"neutral","sentiment_score":-0.05316808203512684,"num_words":47,"start":5043.58,"end":5058.8},{"sentences":[{"text":"Would you next is have you have borrowed or open to borrowing for investment property, but not stocks?","start":5059.095,"end":5065.035,"sentiment":"neutral","sentiment_score":-0.07649255812995964},{"text":"Or two or the third one is you're only happy to borrow for a private place of residence, and that's it.","start":5065.415,"end":5071.62,"sentiment":"neutral","sentiment_score":-0.14605470321008138},{"text":"Would you borrow for a that's alright.","start":5075.54,"end":5079.3203,"sentiment":"neutral","sentiment_score":0.04225268481033189},{"text":"Correct.","start":5084.0347,"end":5084.355,"sentiment":"neutral","sentiment_score":0.1834997236728668},{"text":"But that's for an investment property.","start":5084.355,"end":5086.0347,"sentiment":"neutral","sentiment_score":0.11114450668295224}],"sentiment":"neutral","sentiment_score":-0.06222413691147318,"num_words":53,"start":5059.095,"end":5086.0347},{"sentences":[{"text":"Right?","start":5086.0347,"end":5086.5347,"sentiment":"neutral","sentiment_score":0.07842249423265457},{"text":"Would you be open or would you ever consider borrowing against, say, property or equity to be able to buy shares?","start":5086.5947,"end":5092.6147,"sentiment":"neutral","sentiment_score":0.04445757149230866},{"text":"Gotcha.","start":5098.53,"end":5099.03,"sentiment":"neutral","sentiment_score":0.08726842701435089},{"text":"You what we could do, if you're going through a refinance, see if you can release more equity for investment purposes, because then you could just release another $50,100 grand and put in put in a share portfolio.","start":5100.21,"end":5109.67,"sentiment":"neutral","sentiment_score":0.20751470954794632},{"text":"Well, we we can do that's part of the service.","start":5117.195,"end":5119.675,"sentiment":"neutral","sentiment_score":0.31008881628513335}],"sentiment":"neutral","sentiment_score":0.1702217894120955,"num_words":71,"start":5086.0347,"end":5119.675},{"sentences":[{"text":"If you're paying us, we can we can manage those.","start":5119.675,"end":5121.995,"sentiment":"neutral","sentiment_score":0.2889550119638443},{"text":"We could create a portfolio with that as well after we set the root stage up.","start":5121.995,"end":5125.835,"sentiment":"neutral","sentiment_score":0.27144384756684303},{"text":"So it's entirely up to you.","start":5125.835,"end":5127.13,"sentiment":"neutral","sentiment_score":0.19052995865543684},{"text":"But if you go yeah.","start":5127.13,"end":5128.09,"sentiment":"neutral","sentiment_score":0.1317581683397293},{"text":"But if you're going through that, you know, if you're going through that if you're going through that refinance stage, see if you can release another 50 k or something like that.","start":5128.09,"end":5136.8096,"sentiment":"neutral","sentiment_score":0.08371753769461066}],"sentiment":"neutral","sentiment_score":0.16976207942850347,"num_words":69,"start":5119.675,"end":5136.8096},{"sentences":[{"text":"Just just on top of what you're already pulling up because we already found out that you still go, you know, you you still got a 150 to a $170,000 worth of equity that you can release, essentially.","start":5136.8096,"end":5148.375,"sentiment":"neutral","sentiment_score":0.09937442564650585},{"text":"So definitely something to look into.","start":5148.6753,"end":5151.415,"sentiment":"neutral","sentiment_score":0.13681813950339952},{"text":"But just food for thought.","start":5152.115,"end":5153.49,"sentiment":"neutral","sentiment_score":0.07254710793495178},{"text":"But, yeah, you'll be open to borrowing stocks and funds.","start":5153.89,"end":5156.0503,"sentiment":"neutral","sentiment_score":0.17473591193556787},{"text":"And based on the way that you answered that question, how would you feel, you know, personally, about taking out money to invest?","start":5156.0503,"end":5163.6704,"sentiment":"neutral","sentiment_score":0.10455170128008594}],"sentiment":"neutral","sentiment_score":0.11112098536658578,"num_words":82,"start":5136.8096,"end":5163.6704},{"sentences":[{"text":"Would you say that you're, one, comfortable borrowing for investments, but aware of are aware of the risks?","start":5163.81,"end":5168.7104,"sentiment":"neutral","sentiment_score":-0.07152723603778416},{"text":"Would you say that you're somewhat comfortable and kinda cautious?","start":5168.9854,"end":5171.4854,"sentiment":"neutral","sentiment_score":-0.17329807057976723},{"text":"Would you say that you're really hesitant in doing something like that, or you say you're tempted to do it?","start":5171.545,"end":5175.8853,"sentiment":"neutral","sentiment_score":-0.2446313366293907},{"text":"Yeah.","start":5179.3853,"end":5179.785,"sentiment":"neutral","sentiment_score":0.03330206498503685},{"text":"Go somewhat.","start":5179.785,"end":5180.4453,"sentiment":"neutral","sentiment_score":0.14803187176585197}],"sentiment":"neutral","sentiment_score":-0.1487006250695855,"num_words":51,"start":5163.81,"end":5180.4453},{"sentences":[{"text":"Beautiful.","start":5181.95,"end":5182.43,"sentiment":"positive","sentiment_score":0.6168939471244812},{"text":"May you call it as a high growth investor?","start":5182.43,"end":5184.37,"sentiment":"neutral","sentiment_score":0.2328186117940479},{"text":"You I think that's if anything, I think you could even take more risk.","start":5184.5103,"end":5188.27,"sentiment":"neutral","sentiment_score":0.0923921000212431},{"text":"But just by the way, you kinda described yourself as a moderate risk taker before we kinda went through this.","start":5188.27,"end":5195.33,"sentiment":"neutral","sentiment_score":0.04661761242896319},{"text":"I would be inclined not to take a full a 100% pedal to the metal.","start":5195.6553,"end":5199.735,"sentiment":"neutral","sentiment_score":0.020842194308837256}],"sentiment":"neutral","sentiment_score":0.08899552570813793,"num_words":59,"start":5181.95,"end":5199.735},{"sentences":[{"text":"We can even gear stuff.","start":5199.735,"end":5200.935,"sentiment":"neutral","sentiment_score":0.1281203508377075},{"text":"We can we can do, like, leveraged assets as well.","start":5200.935,"end":5203.515,"sentiment":"neutral","sentiment_score":0.14332455545663833},{"text":"I wouldn't be going that far.","start":5203.815,"end":5205.095,"sentiment":"neutral","sentiment_score":0.00586692662909627},{"text":"You do have the time horizon for it.","start":5205.095,"end":5207.195,"sentiment":"neutral","sentiment_score":0.07528696674853563},{"text":"Like, you know, we're working with thirty years here, so it it would work based on time versus value and return.","start":5207.255,"end":5213.2896,"sentiment":"neutral","sentiment_score":0.05797580966637248}],"sentiment":"neutral","sentiment_score":0.07857673211023211,"num_words":50,"start":5199.735,"end":5213.2896},{"sentences":[{"text":"But you're gonna see high volatility.","start":5214.23,"end":5215.77,"sentiment":"neutral","sentiment_score":-0.04716795248289903},{"text":"You're gonna see you know, if you if you go in something like that, you can easily see 20%, like, ups and downs.","start":5215.9097,"end":5222.4897,"sentiment":"neutral","sentiment_score":-0.017638250213602314},{"text":"So, you know, it's I would be inclined to take a high growth a high growth kind of approach.","start":5222.8696,"end":5230.475,"sentiment":"neutral","sentiment_score":0.12027250936156825},{"text":"What that means is somewhere in the realms of either 10 to, like, ninety ninety to 98% invested into assets between all assets like shares, commodities, gold, infrastructure, all that stuff, even property, arrears and rears, and then another between 10 to 2% worth of defensive assets.","start":5230.6953,"end":5251.64,"sentiment":"neutral","sentiment_score":0.08648700053070454},{"text":"Probably the ninety ninety twenty split's kind of a good one for you because then at least if the market's full, you still have some exposure to bonds and fixed interest assets and defensive assets, which essentially, you know, will will halt prop your portfolio up, and you won't lose as much if it were to fall.","start":5251.745,"end":5268.5996,"sentiment":"neutral","sentiment_score":0.08638674805038854}],"sentiment":"neutral","sentiment_score":0.06964094652549217,"num_words":152,"start":5214.23,"end":5268.5996},{"sentences":[{"text":"And that'll prevent you from getting those 20% swings.","start":5268.5996,"end":5271.42,"sentiment":"neutral","sentiment_score":0.04024881414241261},{"text":"So would you be comfortable with something like that?","start":5272.04,"end":5274.36,"sentiment":"neutral","sentiment_score":0.023436893191602495},{"text":"Or yeah.","start":5274.36,"end":5277.175,"sentiment":"neutral","sentiment_score":0.03874056879431009},{"text":"I think you're taking somewhere it's last time I checked SeaBus was somewhere in the eighty eighty twenty split.","start":5277.175,"end":5282.155,"sentiment":"neutral","sentiment_score":0.045064515091086686},{"text":"So just taking a little bit more aggressive approach because of the time horizon we're working with, but still having a bit of exposure to defensive assets.","start":5282.295,"end":5289.415,"sentiment":"neutral","sentiment_score":0.07590983297537875}],"sentiment":"neutral","sentiment_score":0.05388551182819135,"num_words":66,"start":5268.5996,"end":5289.415},{"sentences":[{"text":"If you're happy with that, man, I'm happy with that.","start":5289.415,"end":5291.61,"sentiment":"positive","sentiment_score":0.4291041225194931},{"text":"I think that's perfect for you.","start":5291.61,"end":5298.09,"sentiment":"positive","sentiment_score":0.42562639340758324},{"text":"Well, man, it feels like we've been yeah.","start":5299.4497,"end":5305.305,"sentiment":"neutral","sentiment_score":0.09067054651677608},{"text":"Oh, thank you, man.","start":5305.305,"end":5306.105,"sentiment":"positive","sentiment_score":0.6561693400144577},{"text":"I appreciate the confident vote of confidence.","start":5306.105,"end":5307.965,"sentiment":"positive","sentiment_score":0.7790605170386178}],"sentiment":"positive","sentiment_score":0.4470932839172227,"num_words":35,"start":5289.415,"end":5307.965},{"sentences":[{"text":"I can tell you I would be definitely going to you to drive a crane.","start":5308.265,"end":5311.145,"sentiment":"positive","sentiment_score":0.4835774819056193},{"text":"I wouldn't have a first idea about doing that.","start":5311.145,"end":5313.065,"sentiment":"neutral","sentiment_score":0.07404270892341931},{"text":"That's what makes it all go wrong.","start":5313.065,"end":5314.585,"sentiment":"neutral","sentiment_score":0.047784211047525914},{"text":"Right?","start":5314.585,"end":5315.085,"sentiment":"neutral","sentiment_score":0.13643136620521543},{"text":"But, yeah, look.","start":5316.14,"end":5316.54,"sentiment":"neutral","sentiment_score":0.10180410246054332}],"sentiment":"neutral","sentiment_score":0.2484679931375597,"num_words":35,"start":5308.265,"end":5316.54},{"sentences":[{"text":"What's the what I've noticed is that, you know, again, doing this for as long as I have, I've noticed that over time when you start building that rapport and that relationship with each other, you you start feeling more comfortable in, you know, our our our capacity and what we know.","start":5316.54,"end":5331.795,"sentiment":"neutral","sentiment_score":0.3300133038025636},{"text":"And what happens is that risk profile usually goes up quite considerably over time.","start":5331.795,"end":5336.355,"sentiment":"neutral","sentiment_score":0.0015269070863723755},{"text":"We do a new one every year.","start":5336.355,"end":5337.815,"sentiment":"neutral","sentiment_score":0.04462977818080357},{"text":"And oh, yeah.","start":5337.955,"end":5339.795,"sentiment":"neutral","sentiment_score":0.10991094509760539},{"text":"I've I've I've had, you know, clients that were started off in a moderately defensive portfolio.","start":5339.795,"end":5344.995,"sentiment":"neutral","sentiment_score":0.12750803027302027}],"sentiment":"neutral","sentiment_score":0.21591672025944875,"num_words":92,"start":5316.54,"end":5344.995},{"sentences":[{"text":"You're talking, like, you know, 55 45 split.","start":5344.995,"end":5348.4497,"sentiment":"neutral","sentiment_score":0.14119780622422695},{"text":"And now they are leveraged to their eyelids because they just they see the value in deducting investment debt as well as the return on it at the same time.","start":5348.9097,"end":5359.125,"sentiment":"neutral","sentiment_score":0.294897269209226},{"text":"So we're gonna build that relationship moving forward as well.","start":5359.365,"end":5362.505,"sentiment":"positive","sentiment_score":0.44189474582672117},{"text":"Beautiful.","start":5364.165,"end":5364.645,"sentiment":"positive","sentiment_score":0.4315233826637268},{"text":"But other than that, mate, that's pretty much concludes that concludes our initial consultation.","start":5364.645,"end":5369.065,"sentiment":"neutral","sentiment_score":0.1987792450402464}],"sentiment":"neutral","sentiment_score":0.2795219174216664,"num_words":63,"start":5344.995,"end":5369.065},{"sentences":[{"text":"Thank you for your time and patience, mate.","start":5369.525,"end":5371.545,"sentiment":"positive","sentiment_score":0.6542801335453987},{"text":"I've got a fairly good idea of what you wanna achieve and how we're gonna get you there.","start":5371.605,"end":5376.26,"sentiment":"positive","sentiment_score":0.6936676899592081},{"text":"Now the last thing I wanna do is book in some time in a couple of weeks.","start":5377.36,"end":5380.8,"sentiment":"neutral","sentiment_score":0.06890871901722516},{"text":"When is a good time for you?","start":5380.8,"end":5382.2397,"sentiment":"neutral","sentiment_score":0.05256621752466474},{"text":"Does this time kind of suit you, or would you prefer another time?","start":5382.2397,"end":5386.4,"sentiment":"neutral","sentiment_score":0.01210201818209428}],"sentiment":"neutral","sentiment_score":0.3082063090470102,"num_words":63,"start":5369.525,"end":5386.4},{"sentences":[{"text":"Or yeah.","start":5386.4,"end":5397.5547,"sentiment":"neutral","sentiment_score":0.0077878967858850965},{"text":"Yeah.","start":5397.5547,"end":5397.715,"sentiment":"neutral","sentiment_score":-0.0034158015623688698},{"text":"No.","start":5397.715,"end":5397.9546,"sentiment":"neutral","sentiment_score":-0.04328157752752304},{"text":"That's alright.","start":5397.9546,"end":5398.5947,"sentiment":"neutral","sentiment_score":-0.012412624433636665},{"text":"Well, what about let's have a look.","start":5398.5947,"end":5402.75,"sentiment":"neutral","sentiment_score":0.02327649561422212}],"sentiment":"neutral","sentiment_score":0.008229894993396906,"num_words":13,"start":5386.4,"end":5402.75},{"sentences":[{"text":"The or fifteenth.","start":5403.53,"end":5404.83,"sentiment":"neutral","sentiment_score":0.00815534715851148},{"text":"What about Tuesday, the fifteenth?","start":5405.61,"end":5407.61,"sentiment":"neutral","sentiment_score":0.008638129755854606},{"text":"Or what about Wednesday, the sixteenth?","start":5407.61,"end":5409.23,"sentiment":"neutral","sentiment_score":0.014607339398935437},{"text":"Was that is Wednesday a good day for you?","start":5409.93,"end":5412.17,"sentiment":"neutral","sentiment_score":0.258484767542945},{"text":"Or yeah.","start":5412.17,"end":5412.81,"sentiment":"neutral","sentiment_score":0.15153440088033676}],"sentiment":"neutral","sentiment_score":0.11138929745182395,"num_words":25,"start":5403.53,"end":5412.81},{"sentences":[{"text":"Correct.","start":5412.81,"end":5413.31,"sentiment":"neutral","sentiment_score":0.1509433090686798},{"text":"Yeah.","start":5420.675,"end":5420.995,"sentiment":"neutral","sentiment_score":-0.04517926648259163},{"text":"No.","start":5420.995,"end":5421.155,"sentiment":"neutral","sentiment_score":-0.1328020542860031},{"text":"That's alright.","start":5421.155,"end":5421.795,"sentiment":"neutral","sentiment_score":-0.05011649802327156},{"text":"That's alright.","start":5421.795,"end":5422.355,"sentiment":"neutral","sentiment_score":0.08871274068951607}],"sentiment":"neutral","sentiment_score":0.00716492480465344,"num_words":7,"start":5412.81,"end":5422.355},{"sentences":[{"text":"So Oakview Financial, I'm gonna send you Beautiful.","start":5422.355,"end":5428.8203,"sentiment":"neutral","sentiment_score":0.15619355905801058},{"text":"Now Oaktree Financial.","start":5428.88,"end":5430.02,"sentiment":"neutral","sentiment_score":0.32464908560117084},{"text":"I'll send you out a calendar invite, mate.","start":5431.2,"end":5433.04,"sentiment":"neutral","sentiment_score":0.24249133840203285},{"text":"You can you can actually within that invite, I'm pretty sure you can propose a new time just for some reason doesn't con it's complex or something.","start":5433.04,"end":5440.155,"sentiment":"neutral","sentiment_score":0.1427628684926916},{"text":"But either way, I'll tentatively lock it in then, and then I'll get to work, put together recommendations for your super insurances, make sure you're covered, make sure you're growing better, and getting to that goal of, say, a thousand to $1,500 a week by the age of 60.","start":5440.5547,"end":5454.255,"sentiment":"neutral","sentiment_score":0.18468251391028873}],"sentiment":"neutral","sentiment_score":0.17965754807779663,"num_words":95,"start":5422.355,"end":5454.255},{"sentences":[{"text":"But I'll work with that at the moment because you can only access super at that age.","start":5454.6904,"end":5459.1904,"sentiment":"neutral","sentiment_score":0.017034348319558537},{"text":"And then from there, we can you know, once we get that, do you see the value in our services compared to c bus, obviously?","start":5459.81,"end":5465.0903,"sentiment":"neutral","sentiment_score":0.09451110765337944},{"text":"And then as a kinda comparison projection table, I'll kinda compare one with the other, make sure that you see even net of fees that we can get you in a better position if we can.","start":5465.0903,"end":5474.175,"sentiment":"neutral","sentiment_score":0.17417636575798193},{"text":"If we can't, I'll just give you a call and just say, hey, man.","start":5474.175,"end":5476.415,"sentiment":"neutral","sentiment_score":-0.07527067166353975},{"text":"No.","start":5476.415,"end":5476.915,"sentiment":"neutral","sentiment_score":-0.2059657871723175}],"sentiment":"neutral","sentiment_score":0.08239737193110169,"num_words":93,"start":5454.6904,"end":5476.915},{"sentences":[{"text":"It's there's no points, and the only person that's gonna win out of this if you go ahead is me because I'm gonna get paid, but you're not gonna be in a in a better position.","start":5477.455,"end":5484.9697,"sentiment":"neutral","sentiment_score":-0.11908651226096684},{"text":"So there's no point to coming aboard.","start":5485.19,"end":5486.9697,"sentiment":"neutral","sentiment_score":-0.2638424698795591},{"text":"You know what I mean?","start":5487.03,"end":5488.01,"sentiment":"neutral","sentiment_score":-0.107518270611763},{"text":"Beautiful.","start":5489.59,"end":5490.09,"sentiment":"positive","sentiment_score":0.473698616027832},{"text":"Well, yeah, I'll send you out an invite, mate.","start":5490.3896,"end":5493.285,"sentiment":"neutral","sentiment_score":0.3271849751472473}],"sentiment":"neutral","sentiment_score":-0.05609033950443926,"num_words":58,"start":5477.455,"end":5493.285},{"sentences":[{"text":"Absolute pleasure.","start":5493.685,"end":5494.4854,"sentiment":"positive","sentiment_score":0.6611813306808472},{"text":"I'll speak to you in a couple of weeks, Brodie.","start":5494.4854,"end":5496.565,"sentiment":"neutral","sentiment_score":0.10957896374166012},{"text":"But if there's anything else you need, don't hesitate to reach out.","start":5496.565,"end":5499.365,"sentiment":"neutral","sentiment_score":0.13971872876087824},{"text":"Alright?","start":5499.365,"end":5499.605,"sentiment":"neutral","sentiment_score":0.13320520520210266},{"text":"You got our 1300 number there in my email as well.","start":5499.605,"end":5502.345,"sentiment":"neutral","sentiment_score":0.22643361443823035}],"sentiment":"neutral","sentiment_score":0.18663200022031864,"num_words":36,"start":5493.685,"end":5502.345},{"sentences":[{"text":"No worries, mate.","start":5504.4854,"end":5505.205,"sentiment":"positive","sentiment_score":0.3578741252422333},{"text":"Speak to you soon.","start":5505.205,"end":5505.845,"sentiment":"positive","sentiment_score":0.39869020134210587},{"text":"Enjoy your day.","start":5505.845,"end":5506.4854,"sentiment":"positive","sentiment_score":0.597273608048757},{"text":"Bye.","start":5506.4854,"end":5506.9854,"sentiment":"neutral","sentiment_score":0.25578898191452026}],"sentiment":"positive","sentiment_score":0.4287266351959922,"num_words":11,"start":5504.4854,"end":5506.9854}]}}]},{"alternatives":[{"transcript":"Hello. I have Brody on the line for you. He just said I'm just missed a call from Savvy. So sorry. Awesome. Check. See you now. Sebi, hang on, mate. That's not No. That's for my digest. Yep. Yep. Okay. So I'm I'm currently so I'm 30 years old. I am currently with Super, and that's just the default super company that our employer puts us through. Yep. Yep. So a couple of folks I work with actually recommended me to to give you guys a call to see what you got to offer in terms of a long term goal, I suppose. So yeah. So with with C buses, with my current value to Cbus, they I've I've projected to have $800 by the time '67, and then my death benefit's only $200. It seems a little bit low. So Yep. Yep. Yep. Yep. Yep. So, yeah, so another thing too, currently, in the last twelve months, I've shown a bit of interest in the in the share market. So I've actually been currently investing in the stocks. So that and that's another thing I wanna factor into my thirty year plan is to how I go about, you know, investing. I've come up with a half an idea of investing money now so I can semi retire off stocks in my late fifties until I reach my preservation age to access my super. And that's just somewhat of a plan I've come up with. To leave on currently. Yeah. Yeah. Look. That's that's a really hard one to answer because I'm I'm quite a splurge. I like to spend money. I've got a couple of kids. I like to spoil them. You know? But but what you say, we we hard to say because I I got a I wanna get over my head. So my my weekly biweekly pay gets gets drawn down pretty quick. So we'll go ahead. So I'd say a thousand bucks, $1,500 a week and probably plenty for someone that doesn't have any debt. Yep. I think that's what it said. Yeah. So I currently got a 117 in there and on, yeah, 30. So Yeah. Yep. Yep. Yep. Are you sorry. Are you saying with my share portfolio, if I reach the age of 60 and start selling off shares, that's tax free. Is that what you're saying? Yep. Righto. Because that's the other thing. I I understand my shares now when I do sell them. Just just I've I've got $4 in there at the moment in these shares. I know I just started out. But, like, I I understand if I was to sell them, I'll get taxed they get added to my taxable income. So my my idea was, like I said before, to live off shares, to semi retire was to to not be working or maybe work one or three days a week and sell shares and just let myself say a $100 a year. That was my idea, but I understand I'm paying 33% tax on them. Well, they changed that. No? That that we don't get the 50% tax discount anymore, do we? Okay. Yep. Yep. Yep. Yep. Yep. Yep. Okay. Yeah. Yep. For now. Yep. Yeah. Yep. Yep. As far as, like, everyone that has the same idea. I I don't really wanna have to wait till I'm 60 years old before I can, you know, enjoy enjoy a bit of money. So that's why I'm trying to come up with a bit of a plan. I understand everyone's gonna pay a bit of tax, but yeah, I don't I don't wanna be I don't wanna be waiting till I'm 60. But another question, I suppose, I'm I'm torn between whether I should salary sacrifice 5% into my super, or do I just keep focusing on paying off my mortgage? At the moment, I'm told I'm sort of sticking between just paying extra off the mortgage. And and save. It's hard to say. So I'll go I got a lot of accounts going on. So look. I I I'll put, say, 50 to $100 a week aside in an investing account, and that's the money I use to buy an ETFs. And, no no, you look, I might save a $150 a week in my own little savings account. Yep. Righto. So what what's that mean if you go over that concessional caps? Right. Right. Sorry. What was that? Potentially. Yes. Yes. Okay. Yeah. I could I could possibly do that. My situation's a little bit tricky at the moment, I suppose, because I've got two young kids and my wife's only just going back to work now. So I'm sort of carrying the the front of the the front of the cost of living. So and, like, my I try and pay an extra $260 a week off the mortgage because I understand that the more I put in there, the less interest I'm paying on that large amount of money. So but not currently, but in the next four weeks, I will because we're in the process of refinancing. So another plan I I know I'm trying a lot in your face here, but one once we once we refinance the reason I'm like refinancing, not only to borrow a bit of money to renovate the house, but with Macquarie Bank, I can have multiple offset accounts, and I was gonna look at a bit of debt recycling. So that was another audio I had. Yeah. Yeah. Yep. I guess. Yeah. Look. It sounds good now. Obviously, anything can change in the next twenty five years, but, yeah, ideally, I'd like to be mortgage free, debt free by by about fifty fifty five would be great. Yes. Yeah. Yeah. Yeah. It sounds like a plan. Like I said, re retiring is a bit of a bit of a dream, I suppose, but the the main goal of of to get the mortgage gone. Now I'm retired, but but if I can do it all in in one hit, that'd be good. If we talk get rid of mortgage and every time. Yep. Wrist fall. I can't remember. Wrist fall. Yep. No. I've got a notepad in front of me. That's yeah. I can either I can try I can jump on the computer, or I can just put you on speaker. We'll get my email. Is that what you're after? Okay. Yep. That's it. I've got the computer in front of me anyway, mate. So hang on. Yep. So just rough figures, I did have that in mind. What's going on in my emails? So I've I've got roughly $400 in equity at the moment. So my plan was I just wanted the our house is a little bit rundown. So I'm buying a $100 for renovations, and I'm reserving the rest of it. Once we get the kids in school and we're a bit more financially stable, I was gonna look at buying investment property. Yeah. So that that's they're pretty young, or they're 2.5 year old and one's about to turn one. Yeah. So, yeah, probably in the next in the next five years, I'd say. Yep. Yeah. So I'm currently borrowing a $100. Yep. So my total my total loan will be for about $580,000. $4.70. Sorry. We're at $4.70 3. Approximately. Yep. Yep. Yep. Okay. Yep. Okay. Well well, definitely, I don't I think it'll be definitely worth doing in the future. Just the only thing, like I said, I've got a lot of goals at the moment and practically single income. Not really. She's just going back to work now, but we're we're we're the kids in the day care. Yeah. Yeah. Cost of leaving is pretty high at the moment, so I was waiting to see if we can calm down before I go for the property. But Yeah. That's right. And yeah. That's right. Yeah. Yep. Yeah. So I'm not really in a position at the moment to do that, but Yeah. Yep. Yeah. I'm just refreshing now. Haven't seen nothing yet. Yeah. Yeah. It's been good day off work, which is good. Oh, really? Oh, it's crazy. That's it. That's it. I found it. It's in the junk. I just got it transferred to my inbox before I can Yeah. Yeah. So I was trying to find the mute button. It changed the it changed the layout of the of my what just brought me pop out. I found it all good. Yeah. It's just loading. Yep. Part. I'm on. Yep. Yep. Okay. No. I don't remember that. Not good. Yes. Okay. Yep. Yep. Yep. Yep. No. I just saved it. Yeah. Well, that's alright. So both my parents have suffered some pretty pretty bad accidents, and they were very underinsured. So there's not much money coming out of that, unfortunately, but so Yep. Yep. It's a very liquid budget, but yes. Yes. Okay. Yep. Yep. Yep. Yep. Yeah. Yep. Yeah. Yeah. It does make sense. Yep. Awesome. Right. Yeah. Yeah. Yes. Yep. Yep. Yep. Yeah. Yep. Yep. Yeah. Yep. Yep. Yeah. Yeah. Like I said, I'm only just sort of getting involved with you guys. So, obviously, if I can if I can see things at work and then in the near future, obviously, be more reluctant to join in more of your services. But Yes. Yes. Yeah. Yep. So I understand it better now. I'm just trying I'll have more information you're taking. That's all. Yep. Yeah. Yep. Yeah. Yeah. Yeah. Is that asset fee on on my total assets, you mean, or is that just not super? Yeah. Right. It was essentially one point. And is that so is that is that an annual fee based on that percentage? Yep. Right. And that those fees, and I just get the ducker there as a super itself. Yeah. Yeah. Yeah. Yeah. I'm Yep. Yep. Yep. Yeah. That's that's I got a better understanding of that now. Yeah. Thanks. Yep. I I suppose one more question. So which super which super company do you usually run with? Okay. So if if I yeah. Sorry. I'll just so if I were to sign up with you guys, I don't have to deal with Cbus or anything at all. Is that you do all that sort of stuff? Or yep. Yep. Yep. And is that something so, obviously, if I'm with a different superannuation fund, I'll just have to tell my employer to put in another account. How does that work? Right here. Okay. Yeah. Yeah. That does make sense. Yep. Yeah. Yeah. Well, that's what I could always look into later on. Yeah. No. That's I don't wanna hassle you up, but yeah. Because the other thing too, I've got a we work under a enterprise bargaining agreement too. So we do get the income protection through the union and stuff like that. But yeah. So we got a thing called u plus. So if something happens at work and we're unable to work, even outside of work, we can climb up to, I think, at six months of I think, the cafe 2.5. I can't remember. Right. Yeah. Yeah. That makes sense. Yep. Yes. Ronda. Yep. Yep. Yep. Yep. Yep. Yep. Understandable. Yep. Nah. Yep. So I'd I'd say I'm more medium risk. I've had a pretty good run-in the last twelve months. I'm up 10% total. Obviously, just investing in low risk ATS like a Vanguard Australia, IVV, and the v 500. I've done a little bit of practice paper trading on TradingView. Just practice a bit of swing trading and stuff. Obviously, I wasn't very successful, but I do understand you gotta spend money to make money. So my risk would be about I'll be medium risk, I think. If Yes. Just a index chart. Yeah. Yeah. Yep. Yeah. Yeah. A little bit. Yep. Yeah. Yep. I'd say 50%. Like I said, I understand. Looking at the history of of time, I understand the market's always gonna drop and it always recovers better. So if I've seen my super drop 50%, I'd probably go, hang on. What's going on here? But I think I could still keep my cool and just trust that the wait time do its thing and if if that makes sense. That's probably my risk tolerance. Yep. What was that if it dropped 20%? We've got I'd I'd be right to to keep investing, keep throwing more money on it. The the way my approach from what I've learned well, like I said, I've only just started showing a bit of interest in finance in the last twelve months, but and one of the things I read is people make the biggest mistakes when they see the market drop and they panic and they sell. Yeah. Just referring to ETF studies. But the way the best way to look at it is when the market drops these things are on sale and you're better off buying more. You sort of the yeah. Yep. Yeah. So I suppose I'll get a little bit more excited when I see the market drop as opposed to to going up. Yeah. Yeah. Are are we referring to Super Daddies or my personal stock before? Look, if I I've never seen it. I haven't seen a 20% drop yet. So if I send a 20% drop, I'd I'd probably ring ring yourself and say, you know, do you know what's going on? What what do you think of the the market? You're obviously the professional at it. So yeah. That that is probably the approach. Yeah. Yeah. Yeah. I'd I'd say so. Yeah. Hold on, mate. Yep. Yeah. I I have to present that would be, yeah, obviously, better. Yep. Yep. It's ASR. Yep. So I was trying to understand those questions, but I will be I will be looking to borrow, like, soon to invest if that is one of your questions. Yeah. Well, that's where I was going at before with the debt recycling. I was gonna split my loan and debt recycle that way. Yep. Yeah. I was gonna when I do start, I was gonna start small and just do $10 till I get the feel of things. But Yeah. Yeah. I'd say I'll be reasonably confident. Yeah. Reasonably comfortable. Sorry. Yeah. Yep. Right. Oh, yeah. I think I would. Yeah. Yep. I think so. Like I said, we've come to you because you're the professionals, you know, of a train driver train driver. I'd rather that's your forte. I'd take your word. You know? Yep. Look. My my my job hours are pretty unpredictable, and it'll just be call anytime, and hopefully, I'm available. September. Yeah. Look. I can go for that. Like I said, sometimes I'll have a job where I've got time to make a phone call, and sometimes I'm real busy. We we can we can just we can just go for that, and I'll point around it. I'll still wanna make it work. Yep. Yep. Alright. Yep. No worries. Thanks for your time, Shadi. I thought you were right there. Thanks, mate. 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I have Brody on the line for you. He just said I'm just missed a call from Savvy. So sorry. Awesome.\n\nCheck. See you now. Sebi, hang on, mate. That's not No. That's for my digest.\n\nYep. Yep. Okay. So I'm I'm currently so I'm 30 years old. I am currently with Super, and that's just the default super company that our employer puts us through.\n\nYep. Yep. So a couple of folks I work with actually recommended me to to give you guys a call to see what you got to offer in terms of a long term goal, I suppose. So yeah. So with with C buses, with my current value to Cbus, they I've I've projected to have $800 by the time '67, and then my death benefit's only $200.\n\nIt seems a little bit low. So Yep. Yep. Yep. Yep.\n\nYep. So, yeah, so another thing too, currently, in the last twelve months, I've shown a bit of interest in the in the share market. So I've actually been currently investing in the stocks. So that and that's another thing I wanna factor into my thirty year plan is to how I go about, you know, investing. I've come up with a half an idea of investing money now so I can semi retire off stocks in my late fifties until I reach my preservation age to access my super.\n\nAnd that's just somewhat of a plan I've come up with. To leave on currently. Yeah. Yeah. Look.\n\nThat's that's a really hard one to answer because I'm I'm quite a splurge. I like to spend money. I've got a couple of kids. I like to spoil them. You know?\n\nBut but what you say, we we hard to say because I I got a I wanna get over my head. So my my weekly biweekly pay gets gets drawn down pretty quick. So we'll go ahead. So I'd say a thousand bucks, $1,500 a week and probably plenty for someone that doesn't have any debt. Yep.\n\nI think that's what it said. Yeah. So I currently got a 117 in there and on, yeah, 30. So Yeah. Yep.\n\nYep. Yep. Are you sorry. Are you saying with my share portfolio, if I reach the age of 60 and start selling off shares, that's tax free. Is that what you're saying?\n\nYep. Righto. Because that's the other thing. I I understand my shares now when I do sell them. Just just I've I've got $4 in there at the moment in these shares.\n\nI know I just started out. But, like, I I understand if I was to sell them, I'll get taxed they get added to my taxable income. So my my idea was, like I said before, to live off shares, to semi retire was to to not be working or maybe work one or three days a week and sell shares and just let myself say a $100 a year. That was my idea, but I understand I'm paying 33% tax on them. Well, they changed that.\n\nNo? That that we don't get the 50% tax discount anymore, do we? Okay. Yep. Yep.\n\nYep. Yep. Yep. Yep. Okay.\n\nYeah. Yep. For now. Yep. Yeah.\n\nYep. Yep. As far as, like, everyone that has the same idea. I I don't really wanna have to wait till I'm 60 years old before I can, you know, enjoy enjoy a bit of money. So that's why I'm trying to come up with a bit of a plan.\n\nI understand everyone's gonna pay a bit of tax, but yeah, I don't I don't wanna be I don't wanna be waiting till I'm 60. But another question, I suppose, I'm I'm torn between whether I should salary sacrifice 5% into my super, or do I just keep focusing on paying off my mortgage? At the moment, I'm told I'm sort of sticking between just paying extra off the mortgage. And and save. It's hard to say.\n\nSo I'll go I got a lot of accounts going on. So look. I I I'll put, say, 50 to $100 a week aside in an investing account, and that's the money I use to buy an ETFs. And, no no, you look, I might save a $150 a week in my own little savings account. Yep.\n\nRighto. So what what's that mean if you go over that concessional caps? Right. Right. Sorry.\n\nWhat was that? Potentially. Yes. Yes. Okay.\n\nYeah. I could I could possibly do that. My situation's a little bit tricky at the moment, I suppose, because I've got two young kids and my wife's only just going back to work now. So I'm sort of carrying the the front of the the front of the cost of living. So and, like, my I try and pay an extra $260 a week off the mortgage because I understand that the more I put in there, the less interest I'm paying on that large amount of money.\n\nSo but not currently, but in the next four weeks, I will because we're in the process of refinancing. So another plan I I know I'm trying a lot in your face here, but one once we once we refinance the reason I'm like refinancing, not only to borrow a bit of money to renovate the house, but with Macquarie Bank, I can have multiple offset accounts, and I was gonna look at a bit of debt recycling. So that was another audio I had. Yeah. Yeah.\n\nYep. I guess. Yeah. Look. It sounds good now.\n\nObviously, anything can change in the next twenty five years, but, yeah, ideally, I'd like to be mortgage free, debt free by by about fifty fifty five would be great. Yes. Yeah. Yeah. Yeah.\n\nIt sounds like a plan. Like I said, re retiring is a bit of a bit of a dream, I suppose, but the the main goal of of to get the mortgage gone. Now I'm retired, but but if I can do it all in in one hit, that'd be good. If we talk get rid of mortgage and every time. Yep.\n\nWrist fall. I can't remember. Wrist fall. Yep. No.\n\nI've got a notepad in front of me. That's yeah. I can either I can try I can jump on the computer, or I can just put you on speaker. We'll get my email. Is that what you're after?\n\nOkay. Yep. That's it. I've got the computer in front of me anyway, mate. So hang on.\n\nYep. So just rough figures, I did have that in mind. What's going on in my emails? So I've I've got roughly $400 in equity at the moment. So my plan was I just wanted the our house is a little bit rundown.\n\nSo I'm buying a $100 for renovations, and I'm reserving the rest of it. Once we get the kids in school and we're a bit more financially stable, I was gonna look at buying investment property. Yeah. So that that's they're pretty young, or they're 2.5 year old and one's about to turn one. Yeah.\n\nSo, yeah, probably in the next in the next five years, I'd say. Yep. Yeah. So I'm currently borrowing a $100. Yep.\n\nSo my total my total loan will be for about $580,000. $4.70. Sorry. We're at $4.70 3. Approximately.\n\nYep. Yep. Yep. Okay. Yep.\n\nOkay. Well well, definitely, I don't I think it'll be definitely worth doing in the future. Just the only thing, like I said, I've got a lot of goals at the moment and practically single income. Not really. She's just going back to work now, but we're we're we're the kids in the day care.\n\nYeah. Yeah. Cost of leaving is pretty high at the moment, so I was waiting to see if we can calm down before I go for the property. But Yeah. That's right.\n\nAnd yeah. That's right. Yeah. Yep. Yeah.\n\nSo I'm not really in a position at the moment to do that, but Yeah. Yep. Yeah. I'm just refreshing now. Haven't seen nothing yet.\n\nYeah. Yeah. It's been good day off work, which is good. Oh, really? Oh, it's crazy.\n\nThat's it. That's it. I found it. It's in the junk. I just got it transferred to my inbox before I can Yeah.\n\nYeah. So I was trying to find the mute button. It changed the it changed the layout of the of my what just brought me pop out. I found it all good. Yeah.\n\nIt's just loading. Yep. Part. I'm on. Yep.\n\nYep. Okay. No. I don't remember that. Not good.\n\nYes. Okay. Yep. Yep. Yep.\n\nYep. No. I just saved it. Yeah. Well, that's alright.\n\nSo both my parents have suffered some pretty pretty bad accidents, and they were very underinsured. So there's not much money coming out of that, unfortunately, but so Yep. Yep. It's a very liquid budget, but yes. Yes.\n\nOkay. Yep. Yep. Yep. Yep.\n\nYeah. Yep. Yeah. Yeah. It does make sense.\n\nYep. Awesome. Right. Yeah. Yeah.\n\nYes. Yep. Yep. Yep. Yeah.\n\nYep. Yep. Yeah. Yep. Yep.\n\nYeah. Yeah. Like I said, I'm only just sort of getting involved with you guys. So, obviously, if I can if I can see things at work and then in the near future, obviously, be more reluctant to join in more of your services. But Yes.\n\nYes. Yeah. Yep. So I understand it better now. I'm just trying I'll have more information you're taking.\n\nThat's all. Yep. Yeah. Yep. Yeah.\n\nYeah. Yeah. Is that asset fee on on my total assets, you mean, or is that just not super? Yeah. Right.\n\nIt was essentially one point. And is that so is that is that an annual fee based on that percentage? Yep. Right. And that those fees, and I just get the ducker there as a super itself.\n\nYeah. Yeah. Yeah. Yeah. I'm Yep.\n\nYep. Yep. Yeah. That's that's I got a better understanding of that now. Yeah.\n\nThanks. Yep. I I suppose one more question. So which super which super company do you usually run with? Okay.\n\nSo if if I yeah. Sorry. I'll just so if I were to sign up with you guys, I don't have to deal with Cbus or anything at all. Is that you do all that sort of stuff? Or yep.\n\nYep. Yep. And is that something so, obviously, if I'm with a different superannuation fund, I'll just have to tell my employer to put in another account. How does that work? Right here.\n\nOkay. Yeah. Yeah. That does make sense. Yep.\n\nYeah. Yeah. Well, that's what I could always look into later on. Yeah. No.\n\nThat's I don't wanna hassle you up, but yeah. Because the other thing too, I've got a we work under a enterprise bargaining agreement too. So we do get the income protection through the union and stuff like that. But yeah. So we got a thing called u plus.\n\nSo if something happens at work and we're unable to work, even outside of work, we can climb up to, I think, at six months of I think, the cafe 2.5. I can't remember. Right. Yeah. Yeah.\n\nThat makes sense. Yep. Yes. Ronda. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nUnderstandable. Yep. Nah. Yep. So I'd I'd say I'm more medium risk.\n\nI've had a pretty good run-in the last twelve months. I'm up 10% total. Obviously, just investing in low risk ATS like a Vanguard Australia, IVV, and the v 500. I've done a little bit of practice paper trading on TradingView. Just practice a bit of swing trading and stuff.\n\nObviously, I wasn't very successful, but I do understand you gotta spend money to make money. So my risk would be about I'll be medium risk, I think. If Yes. Just a index chart. Yeah.\n\nYeah. Yep. Yeah. Yeah. A little bit.\n\nYep. Yeah. Yep. I'd say 50%. Like I said, I understand.\n\nLooking at the history of of time, I understand the market's always gonna drop and it always recovers better. So if I've seen my super drop 50%, I'd probably go, hang on. What's going on here? But I think I could still keep my cool and just trust that the wait time do its thing and if if that makes sense. That's probably my risk tolerance.\n\nYep. What was that if it dropped 20%? We've got I'd I'd be right to to keep investing, keep throwing more money on it. The the way my approach from what I've learned well, like I said, I've only just started showing a bit of interest in finance in the last twelve months, but and one of the things I read is people make the biggest mistakes when they see the market drop and they panic and they sell. Yeah.\n\nJust referring to ETF studies. But the way the best way to look at it is when the market drops these things are on sale and you're better off buying more. You sort of the yeah. Yep. Yeah.\n\nSo I suppose I'll get a little bit more excited when I see the market drop as opposed to to going up. Yeah. Yeah. Are are we referring to Super Daddies or my personal stock before? Look, if I I've never seen it.\n\nI haven't seen a 20% drop yet. So if I send a 20% drop, I'd I'd probably ring ring yourself and say, you know, do you know what's going on? What what do you think of the the market? You're obviously the professional at it. So yeah.\n\nThat that is probably the approach. Yeah. Yeah. Yeah. I'd I'd say so.\n\nYeah. Hold on, mate. Yep. Yeah. I I have to present that would be, yeah, obviously, better.\n\nYep. Yep. It's ASR. Yep. So I was trying to understand those questions, but I will be I will be looking to borrow, like, soon to invest if that is one of your questions.\n\nYeah. Well, that's where I was going at before with the debt recycling. I was gonna split my loan and debt recycle that way. Yep. Yeah.\n\nI was gonna when I do start, I was gonna start small and just do $10 till I get the feel of things. But Yeah. Yeah. I'd say I'll be reasonably confident. Yeah.\n\nReasonably comfortable. Sorry. Yeah. Yep. Right.\n\nOh, yeah. I think I would. Yeah. Yep. I think so.\n\nLike I said, we've come to you because you're the professionals, you know, of a train driver train driver. I'd rather that's your forte. I'd take your word. You know? Yep.\n\nLook. My my my job hours are pretty unpredictable, and it'll just be call anytime, and hopefully, I'm available. September. Yeah. Look.\n\nI can go for that. Like I said, sometimes I'll have a job where I've got time to make a phone call, and sometimes I'm real busy. We we can we can just we can just go for that, and I'll point around it. I'll still wanna make it work. Yep.\n\nYep. Alright. Yep. No worries. Thanks for your time, Shadi.\n\nI thought you were right there. Thanks, mate. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":2.56,"end":3.06,"sentiment":"neutral","sentiment_score":0.01804528757929802},{"text":"I have Brody on the line for you.","start":3.1999998,"end":5.22,"sentiment":"neutral","sentiment_score":0.03832034952938557},{"text":"He just said I'm just missed a call from Savvy.","start":8.08,"end":10.639999,"sentiment":"neutral","sentiment_score":-0.1037900310009718},{"text":"So sorry.","start":10.639999,"end":11.3,"sentiment":"neutral","sentiment_score":-0.12378093227744102},{"text":"Awesome.","start":14.045,"end":14.525,"sentiment":"positive","sentiment_score":0.4699099063873291}],"sentiment":"neutral","sentiment_score":-0.02231564474376765,"num_words":22,"start":2.56,"end":14.525},{"sentences":[{"text":"Check.","start":14.525,"end":14.924999,"sentiment":"neutral","sentiment_score":0.29553550481796265},{"text":"See you now.","start":14.924999,"end":15.585,"sentiment":"neutral","sentiment_score":0.29216540853182477},{"text":"Sebi, hang on, mate.","start":21.645,"end":22.945,"sentiment":"neutral","sentiment_score":0.048174035269767046},{"text":"That's not No.","start":40.835003,"end":51.075,"sentiment":"neutral","sentiment_score":-0.30346841116746265},{"text":"That's for my digest.","start":51.075,"end":52.295002,"sentiment":"neutral","sentiment_score":-0.07432895246893167}],"sentiment":"neutral","sentiment_score":0.010467121874292691,"num_words":15,"start":14.525,"end":52.295002},{"sentences":[{"text":"Yep.","start":87.2,"end":87.7,"sentiment":"neutral","sentiment_score":0.08006487786769867},{"text":"Yep.","start":87.759995,"end":88.259995,"sentiment":"neutral","sentiment_score":0.129615917801857},{"text":"Okay.","start":97.735,"end":98.235,"sentiment":"neutral","sentiment_score":-0.0008936226367950439},{"text":"So I'm I'm currently so I'm 30 years old.","start":98.295,"end":101.815,"sentiment":"neutral","sentiment_score":-0.004066125489771366},{"text":"I am currently with Super, and that's just the default super company that our employer puts us through.","start":101.815,"end":108.955,"sentiment":"neutral","sentiment_score":0.002139944169256422}],"sentiment":"neutral","sentiment_score":0.007023701289047797,"num_words":30,"start":87.2,"end":108.955},{"sentences":[{"text":"Yep.","start":111.37,"end":111.69,"sentiment":"neutral","sentiment_score":0.024798108264803886},{"text":"Yep.","start":111.69,"end":112.01,"sentiment":"neutral","sentiment_score":0.01559094712138176},{"text":"So a couple of folks I work with actually recommended me to to give you guys a call to see what you got to offer in terms of a long term goal, I suppose.","start":112.01,"end":124.665,"sentiment":"neutral","sentiment_score":0.11573624397244524},{"text":"So yeah.","start":124.665,"end":127.625,"sentiment":"neutral","sentiment_score":0.05125487223267555},{"text":"So with with C buses, with my current value to Cbus, they I've I've projected to have $800 by the time '67, and then my death benefit's only $200.","start":127.625,"end":139.19,"sentiment":"neutral","sentiment_score":0.016679138426893746}],"sentiment":"neutral","sentiment_score":0.06808397178051633,"num_words":67,"start":111.37,"end":139.19},{"sentences":[{"text":"It seems a little bit low.","start":139.19,"end":140.31001,"sentiment":"neutral","sentiment_score":-0.05838103468219439},{"text":"So Yep.","start":140.31001,"end":162.94499,"sentiment":"neutral","sentiment_score":-0.02282633725553751},{"text":"Yep.","start":170.3,"end":170.8,"sentiment":"neutral","sentiment_score":-0.3218069076538086},{"text":"Yep.","start":184.455,"end":184.955,"sentiment":"neutral","sentiment_score":0.14877866208553314},{"text":"Yep.","start":193.975,"end":194.475,"sentiment":"neutral","sentiment_score":0.1259734034538269}],"sentiment":"neutral","sentiment_score":-0.04027215679260818,"num_words":11,"start":139.19,"end":194.475},{"sentences":[{"text":"Yep.","start":204.97,"end":205.37001,"sentiment":"neutral","sentiment_score":0.03646239638328552},{"text":"So, yeah, so another thing too, currently, in the last twelve months, I've shown a bit of interest in the in the share market.","start":205.37001,"end":213.305,"sentiment":"neutral","sentiment_score":0.12680561716357866},{"text":"So I've actually been currently investing in the stocks.","start":213.305,"end":216.045,"sentiment":"neutral","sentiment_score":0.17539548046059078},{"text":"So that and that's another thing I wanna factor into my thirty year plan is to how I go about, you know, investing.","start":217.865,"end":225.43,"sentiment":"neutral","sentiment_score":0.23763935851014178},{"text":"I've come up with a half an idea of investing money now so I can semi retire off stocks in my late fifties until I reach my preservation age to access my super.","start":225.43,"end":236.31,"sentiment":"neutral","sentiment_score":0.1866395306406599}],"sentiment":"neutral","sentiment_score":0.18092406988143922,"num_words":90,"start":204.97,"end":236.31},{"sentences":[{"text":"And that's just somewhat of a plan I've come up with.","start":236.31,"end":238.945,"sentiment":"neutral","sentiment_score":0.3292652720754797},{"text":"To leave on currently.","start":271.96503,"end":273.185,"sentiment":"neutral","sentiment_score":0.002172238426283002},{"text":"Yeah.","start":300.64502,"end":301.14502,"sentiment":"neutral","sentiment_score":0.030231494456529617},{"text":"Yeah.","start":301.365,"end":301.845,"sentiment":"neutral","sentiment_score":0.015650786459445953},{"text":"Look.","start":301.845,"end":302.345,"sentiment":"neutral","sentiment_score":-0.010303892195224762}],"sentiment":"neutral","sentiment_score":0.20367696306978664,"num_words":18,"start":236.31,"end":302.345},{"sentences":[{"text":"That's that's a really hard one to answer because I'm I'm quite a splurge.","start":302.64502,"end":306.23,"sentiment":"neutral","sentiment_score":-0.15689919090696744},{"text":"I like to spend money.","start":306.23,"end":307.11002,"sentiment":"neutral","sentiment_score":0.010272661596536637},{"text":"I've got a couple of kids.","start":307.11002,"end":307.91,"sentiment":"neutral","sentiment_score":-0.024591119959950447},{"text":"I like to spoil them.","start":307.91,"end":308.95,"sentiment":"neutral","sentiment_score":0.038806844502687454},{"text":"You know?","start":308.95,"end":309.61002,"sentiment":"neutral","sentiment_score":-0.05877527594566345}],"sentiment":"neutral","sentiment_score":-0.06925901293288916,"num_words":32,"start":302.64502,"end":309.61002},{"sentences":[{"text":"But but what you say, we we hard to say because I I got a I wanna get over my head.","start":310.15,"end":315.11002,"sentiment":"neutral","sentiment_score":-0.0889813316365083},{"text":"So my my weekly biweekly pay gets gets drawn down pretty quick.","start":315.11002,"end":324.495,"sentiment":"neutral","sentiment_score":-0.13165317724148431},{"text":"So we'll go ahead.","start":324.495,"end":325.215,"sentiment":"neutral","sentiment_score":-0.007872911635786295},{"text":"So I'd say a thousand bucks, $1,500 a week and probably plenty for someone that doesn't have any debt.","start":325.215,"end":330.275,"sentiment":"neutral","sentiment_score":0.2564035367808844},{"text":"Yep.","start":348.02002,"end":348.495,"sentiment":"neutral","sentiment_score":0.14284628629684448}],"sentiment":"neutral","sentiment_score":0.026922381532035376,"num_words":57,"start":310.15,"end":348.495},{"sentences":[{"text":"I think that's what it said.","start":353.455,"end":354.655,"sentiment":"neutral","sentiment_score":0.04166320990771055},{"text":"Yeah.","start":354.655,"end":354.895,"sentiment":"neutral","sentiment_score":0.0915859043598175},{"text":"So I currently got a 117 in there and on, yeah, 30.","start":354.895,"end":358.175,"sentiment":"neutral","sentiment_score":0.0833379418278734},{"text":"So Yeah.","start":358.175,"end":376.995,"sentiment":"neutral","sentiment_score":0.09987008199095726},{"text":"Yep.","start":389.61002,"end":390.11002,"sentiment":"neutral","sentiment_score":-0.125578373670578}],"sentiment":"neutral","sentiment_score":0.06435373891144991,"num_words":22,"start":353.455,"end":390.11002},{"sentences":[{"text":"Yep.","start":440.525,"end":441.025,"sentiment":"neutral","sentiment_score":0.2483251541852951},{"text":"Yep.","start":450.31,"end":450.81,"sentiment":"positive","sentiment_score":0.6205883622169495},{"text":"Are you sorry.","start":465.435,"end":466.23502,"sentiment":"neutral","sentiment_score":-0.06440323839584987},{"text":"Are you saying with my share portfolio, if I reach the age of 60 and start selling off shares, that's tax free.","start":466.23502,"end":472.155,"sentiment":"neutral","sentiment_score":-0.06660403074188666},{"text":"Is that what you're saying?","start":472.155,"end":473.19,"sentiment":"neutral","sentiment_score":-0.05781228616833687}],"sentiment":"neutral","sentiment_score":-0.033707697060890496,"num_words":32,"start":440.525,"end":473.19},{"sentences":[{"text":"Yep.","start":476.23,"end":476.63,"sentiment":"neutral","sentiment_score":0.08624057471752167},{"text":"Righto.","start":476.63,"end":477.13,"sentiment":"neutral","sentiment_score":0.10557912290096284},{"text":"Because that's the other thing.","start":478.63,"end":479.99,"sentiment":"neutral","sentiment_score":0.0990376889705658},{"text":"I I understand my shares now when I do sell them.","start":479.99,"end":483.83002,"sentiment":"neutral","sentiment_score":0.04688200557773763},{"text":"Just just I've I've got $4 in there at the moment in these shares.","start":483.83002,"end":486.79,"sentiment":"neutral","sentiment_score":0.009495883115700312}],"sentiment":"neutral","sentiment_score":0.041739142732694745,"num_words":32,"start":476.23,"end":486.79},{"sentences":[{"text":"I know I just started out.","start":486.79,"end":488.115,"sentiment":"neutral","sentiment_score":-0.013656089703241983},{"text":"But, like, I I understand if I was to sell them, I'll get taxed they get added to my taxable income.","start":488.115,"end":494.455,"sentiment":"neutral","sentiment_score":-0.07888202227297283},{"text":"So my my idea was, like I said before, to live off shares, to semi retire was to to not be working or maybe work one or three days a week and sell shares and just let myself say a $100 a year.","start":496.115,"end":508.96002,"sentiment":"neutral","sentiment_score":0.03530620662278907},{"text":"That was my idea, but I understand I'm paying 33% tax on them.","start":510.14,"end":523.47504,"sentiment":"neutral","sentiment_score":-0.011724881827831268},{"text":"Well, they changed that.","start":523.47504,"end":524.675,"sentiment":"neutral","sentiment_score":-0.06264837272465229}],"sentiment":"neutral","sentiment_score":-0.007164472136004218,"num_words":87,"start":486.79,"end":524.675},{"sentences":[{"text":"No?","start":524.675,"end":525.175,"sentiment":"neutral","sentiment_score":-0.09154941141605376},{"text":"That that we don't get the 50% tax discount anymore, do we?","start":527.07996,"end":530.54,"sentiment":"neutral","sentiment_score":-0.09259666968137026},{"text":"Okay.","start":546.095,"end":546.595,"sentiment":"neutral","sentiment_score":0.08696670830249786},{"text":"Yep.","start":568.64996,"end":569.14996,"sentiment":"neutral","sentiment_score":-0.15661302208900452},{"text":"Yep.","start":583.89496,"end":584.39496,"sentiment":"neutral","sentiment_score":0.1444162130355835}],"sentiment":"neutral","sentiment_score":-0.07049622177146375,"num_words":16,"start":524.675,"end":584.39496},{"sentences":[{"text":"Yep.","start":591.36005,"end":591.86005,"sentiment":"neutral","sentiment_score":0.18106846511363983},{"text":"Yep.","start":608.785,"end":609.285,"sentiment":"neutral","sentiment_score":0.18073312938213348},{"text":"Yep.","start":618.63,"end":619.13,"sentiment":"neutral","sentiment_score":0.2637820243835449},{"text":"Yep.","start":625.91,"end":626.41,"sentiment":"neutral","sentiment_score":0.17605111002922058},{"text":"Okay.","start":642.18,"end":642.68,"sentiment":"neutral","sentiment_score":0.09353231638669968}],"sentiment":"neutral","sentiment_score":0.1790334090590477,"num_words":5,"start":591.36005,"end":642.68},{"sentences":[{"text":"Yeah.","start":652.58,"end":653.08,"sentiment":"neutral","sentiment_score":0.072344571352005},{"text":"Yep.","start":661.895,"end":662.395,"sentiment":"neutral","sentiment_score":0.14778535068035126},{"text":"For now.","start":680.37,"end":681.02997,"sentiment":"neutral","sentiment_score":0.011841148138046265},{"text":"Yep.","start":715.69495,"end":716.19495,"sentiment":"neutral","sentiment_score":0.1478848159313202},{"text":"Yeah.","start":730.65,"end":731.15,"sentiment":"neutral","sentiment_score":0.10443969070911407}],"sentiment":"neutral","sentiment_score":0.08268945415814717,"num_words":6,"start":652.58,"end":731.15},{"sentences":[{"text":"Yep.","start":749.67,"end":749.91,"sentiment":"neutral","sentiment_score":0.12187939137220384},{"text":"Yep.","start":749.91,"end":750.23,"sentiment":"neutral","sentiment_score":0.12775610387325287},{"text":"As far as, like, everyone that has the same idea.","start":750.23,"end":752.79,"sentiment":"neutral","sentiment_score":0.1132910642772913},{"text":"I I don't really wanna have to wait till I'm 60 years old before I can, you know, enjoy enjoy a bit of money.","start":752.79,"end":759.03,"sentiment":"neutral","sentiment_score":0.029337699563863378},{"text":"So that's why I'm trying to come up with a bit of a plan.","start":759.03,"end":761.67,"sentiment":"neutral","sentiment_score":0.08073465818805355}],"sentiment":"neutral","sentiment_score":0.06433872284367681,"num_words":50,"start":749.67,"end":761.67},{"sentences":[{"text":"I understand everyone's gonna pay a bit of tax, but yeah, I don't I don't wanna be I don't wanna be waiting till I'm 60.","start":761.67,"end":767.53503,"sentiment":"neutral","sentiment_score":-0.027388132996857165},{"text":"But another question, I suppose, I'm I'm torn between whether I should salary sacrifice 5% into my super, or do I just keep focusing on paying off my mortgage?","start":767.53503,"end":779.05505,"sentiment":"neutral","sentiment_score":-0.12990466678707763},{"text":"At the moment, I'm told I'm sort of sticking between just paying extra off the mortgage.","start":779.05505,"end":782.77997,"sentiment":"neutral","sentiment_score":-0.1051166276447475},{"text":"And and save.","start":785.96,"end":791.02,"sentiment":"neutral","sentiment_score":0.03466965754826864},{"text":"It's hard to say.","start":796.765,"end":797.64496,"sentiment":"neutral","sentiment_score":-0.14332163147628307}],"sentiment":"neutral","sentiment_score":-0.08575431503016841,"num_words":77,"start":761.67,"end":797.64496},{"sentences":[{"text":"So I'll go I got a lot of accounts going on.","start":797.64496,"end":799.64496,"sentiment":"neutral","sentiment_score":-0.05105928924273361},{"text":"So look.","start":799.64496,"end":801.40497,"sentiment":"neutral","sentiment_score":0.042088745161890984},{"text":"I I I'll put, say, 50 to $100 a week aside in an investing account, and that's the money I use to buy an ETFs.","start":801.40497,"end":807.90497,"sentiment":"neutral","sentiment_score":0.10098227918148041},{"text":"And, no no, you look, I might save a $150 a 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that?","start":921.895,"end":922.71,"sentiment":"neutral","sentiment_score":-0.10905854652325313},{"text":"Potentially.","start":928.39,"end":928.89,"sentiment":"neutral","sentiment_score":0.09380950778722764},{"text":"Yes.","start":929.03,"end":929.53,"sentiment":"neutral","sentiment_score":0.12053065747022627},{"text":"Yes.","start":948.935,"end":949.29,"sentiment":"neutral","sentiment_score":0.21186810731887817},{"text":"Okay.","start":961.20996,"end":961.70996,"sentiment":"neutral","sentiment_score":0.09606026113033296}],"sentiment":"neutral","sentiment_score":0.02787041344812938,"num_words":7,"start":921.895,"end":961.70996},{"sentences":[{"text":"Yeah.","start":962.08997,"end":962.41,"sentiment":"neutral","sentiment_score":0.09414049983024596},{"text":"I could I could possibly do that.","start":962.41,"end":963.915,"sentiment":"neutral","sentiment_score":0.054843638624463766},{"text":"My situation's a little bit tricky at the moment, I suppose, because I've got two young kids and my wife's only just going back to work now.","start":964.875,"end":971.195,"sentiment":"neutral","sentiment_score":-0.14805661424718522},{"text":"So I'm sort of carrying the the front of the the front of the cost of living.","start":971.195,"end":975.83496,"sentiment":"neutral","sentiment_score":-0.11942306248580709},{"text":"So and, like, my I try and pay an extra $260 a week off the mortgage because I understand that the more I put in there, the less interest I'm paying on that large amount of money.","start":975.83496,"end":986.26,"sentiment":"neutral","sentiment_score":-0.22554214036947973}],"sentiment":"neutral","sentiment_score":-0.1561206052854155,"num_words":89,"start":962.08997,"end":986.26},{"sentences":[{"text":"So but not currently, but in the next four weeks, I will because we're in the process of refinancing.","start":986.26,"end":996.055,"sentiment":"neutral","sentiment_score":-0.016770780282585246},{"text":"So another plan I I know I'm trying a lot in your face here, but one once we once we refinance the reason I'm like refinancing, not only to borrow a bit of money to renovate the house, but with Macquarie Bank, I can have multiple offset accounts, and I was gonna look at a bit of debt recycling.","start":996.355,"end":1017.05005,"sentiment":"neutral","sentiment_score":0.04989890204900402},{"text":"So that was another audio I had.","start":1021.005,"end":1023.42505,"sentiment":"neutral","sentiment_score":0.03422290911631925},{"text":"Yeah.","start":1064.22,"end":1064.46,"sentiment":"neutral","sentiment_score":0.13415047526359558},{"text":"Yeah.","start":1064.46,"end":1064.96,"sentiment":"neutral","sentiment_score":0.3155280351638794}],"sentiment":"neutral","sentiment_score":0.03809918700877962,"num_words":87,"start":986.26,"end":1064.96},{"sentences":[{"text":"Yep.","start":1085.02,"end":1085.52,"sentiment":"neutral","sentiment_score":0.16225552558898926},{"text":"I 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email.","start":1348.27,"end":1348.99,"sentiment":"neutral","sentiment_score":0.05739427264779806},{"text":"Is that what you're after?","start":1348.99,"end":1350.13,"sentiment":"neutral","sentiment_score":0.05507046356797218}],"sentiment":"neutral","sentiment_score":0.02612442482644931,"num_words":39,"start":1334.885,"end":1350.13},{"sentences":[{"text":"Okay.","start":1369.14,"end":1369.64,"sentiment":"neutral","sentiment_score":-0.01437830924987793},{"text":"Yep.","start":1403.3401,"end":1403.66,"sentiment":"neutral","sentiment_score":0.020766085013747215},{"text":"That's it.","start":1403.66,"end":1404.48,"sentiment":"neutral","sentiment_score":0.03715158998966217},{"text":"I've got the computer in front of me anyway, mate.","start":1406.465,"end":1408.385,"sentiment":"neutral","sentiment_score":0.10435738451778889},{"text":"So hang 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and I just get the ducker there as a super itself.","start":3821.295,"end":3824.9949,"sentiment":"neutral","sentiment_score":0.06015285576383273}],"sentiment":"neutral","sentiment_score":0.04914809495361673,"num_words":37,"start":3719.62,"end":3824.9949},{"sentences":[{"text":"Yeah.","start":3835.47,"end":3835.97,"sentiment":"neutral","sentiment_score":0.0811970978975296},{"text":"Yeah.","start":3836.27,"end":3836.77,"sentiment":"neutral","sentiment_score":0.0666494369506836},{"text":"Yeah.","start":3840.27,"end":3840.6702,"sentiment":"neutral","sentiment_score":0.08497102558612823},{"text":"Yeah.","start":3840.6702,"end":3840.83,"sentiment":"neutral","sentiment_score":0.11458083987236024},{"text":"I'm 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stuff.","start":4407.185,"end":4409.665,"sentiment":"neutral","sentiment_score":0.11097142183118397}],"sentiment":"neutral","sentiment_score":0.2422167916595936,"num_words":50,"start":4388.435,"end":4409.665},{"sentences":[{"text":"Obviously, I wasn't very successful, but I do understand you gotta spend money to make money.","start":4409.665,"end":4413.9053,"sentiment":"neutral","sentiment_score":-0.03845881612505764},{"text":"So my risk would be about I'll be medium risk, I think.","start":4413.9053,"end":4417.045,"sentiment":"neutral","sentiment_score":-0.020199192843089502},{"text":"If Yes.","start":4429.12,"end":4449.38,"sentiment":"neutral","sentiment_score":0.03591996431350708},{"text":"Just a index chart.","start":4462.785,"end":4464.485,"sentiment":"neutral","sentiment_score":0.02775604883208871},{"text":"Yeah.","start":4481.66,"end":4482.06,"sentiment":"neutral","sentiment_score":0.026256278157234192}],"sentiment":"neutral","sentiment_score":-0.018531742000154085,"num_words":35,"start":4409.665,"end":4482.06},{"sentences":[{"text":"Yeah.","start":4482.06,"end":4482.56,"sentiment":"neutral","sentiment_score":0.036793917417526245},{"text":"Yep.","start":4533.8,"end":4534.3,"sentiment":"neutral","sentiment_score":0.01184891164302826},{"text":"Yeah.","start":4602.805,"end":4603.305,"sentiment":"neutral","sentiment_score":-0.0019103866070508957},{"text":"Yeah.","start":4633.435,"end":4633.675,"sentiment":"neutral","sentiment_score":0.04044304043054581},{"text":"A little bit.","start":4633.675,"end":4634.495,"sentiment":"neutral","sentiment_score":0.035671948765714966}],"sentiment":"neutral","sentiment_score":0.02774161845445633,"num_words":7,"start":4482.06,"end":4634.495},{"sentences":[{"text":"Yep.","start":4642.0747,"end":4642.41,"sentiment":"neutral","sentiment_score":0.05016474425792694},{"text":"Yeah.","start":4661.8647,"end":4662.3647,"sentiment":"neutral","sentiment_score":0.12667948007583618},{"text":"Yep.","start":4688.655,"end":4689.155,"sentiment":"neutral","sentiment_score":-0.045541927218437195},{"text":"I'd say 50%.","start":4707.97,"end":4709.25,"sentiment":"neutral","sentiment_score":-0.051858361810445786},{"text":"Like I said, I understand.","start":4709.25,"end":4710.55,"sentiment":"neutral","sentiment_score":-0.02664611116051674}],"sentiment":"neutral","sentiment_score":-0.014318485828963194,"num_words":11,"start":4642.0747,"end":4710.55},{"sentences":[{"text":"Looking at the history of of time, I understand the market's always gonna drop and it always recovers better.","start":4710.69,"end":4715.215,"sentiment":"neutral","sentiment_score":-0.0995088141215475},{"text":"So if I've seen my super drop 50%, I'd probably go, hang on.","start":4715.215,"end":4718.9746,"sentiment":"neutral","sentiment_score":-0.07566573585455234},{"text":"What's going on here?","start":4718.9746,"end":4720.195,"sentiment":"neutral","sentiment_score":-0.04315257538110018},{"text":"But I think I could still keep my cool and just trust that the wait time do its thing and if if that makes sense.","start":4720.4946,"end":4727.44,"sentiment":"neutral","sentiment_score":0.17558473080396653},{"text":"That's probably my risk tolerance.","start":4727.44,"end":4728.8203,"sentiment":"neutral","sentiment_score":0.03706229999661446}],"sentiment":"neutral","sentiment_score":0.023151476274837147,"num_words":66,"start":4710.69,"end":4728.8203},{"sentences":[{"text":"Yep.","start":4766.7603,"end":4767.2603,"sentiment":"neutral","sentiment_score":-0.15553629398345947},{"text":"What was that if it dropped 20%?","start":4795.36,"end":4797.2197,"sentiment":"neutral","sentiment_score":-0.23887852047170913},{"text":"We've got I'd I'd be right to to keep investing, keep throwing more money on it.","start":4801.235,"end":4805.475,"sentiment":"neutral","sentiment_score":-0.22702133376151323},{"text":"The the way my approach from what I've learned well, like I said, I've only just started showing a bit of interest in finance in the last twelve months, but and one of the things I read is people make the biggest mistakes when they see the market drop and they panic and they sell.","start":4805.475,"end":4819.22,"sentiment":"neutral","sentiment_score":-0.2764268071136691},{"text":"Yeah.","start":4819.22,"end":4819.72,"sentiment":"neutral","sentiment_score":-0.1269010454416275}],"sentiment":"neutral","sentiment_score":-0.2598800339270383,"num_words":80,"start":4766.7603,"end":4819.72},{"sentences":[{"text":"Just referring to ETF studies.","start":4819.7803,"end":4821.72,"sentiment":"neutral","sentiment_score":-0.048208346217870714},{"text":"But the way the best way to look at it is when the market drops these things are on sale and you're better off buying more.","start":4822.4204,"end":4828.5454,"sentiment":"neutral","sentiment_score":-0.19320790541286653},{"text":"You sort of the yeah.","start":4828.5454,"end":4832.9653,"sentiment":"neutral","sentiment_score":0.023570194840431213},{"text":"Yep.","start":4833.5054,"end":4834.0054,"sentiment":"neutral","sentiment_score":0.025006797164678577},{"text":"Yeah.","start":4847.5303,"end":4848.0303,"sentiment":"neutral","sentiment_score":-0.12365201115608215}],"sentiment":"neutral","sentiment_score":-0.13803267135824027,"num_words":38,"start":4819.7803,"end":4848.0303},{"sentences":[{"text":"So I suppose I'll get a little bit more excited when I see the market drop as opposed to to going up.","start":4848.6504,"end":4853.79,"sentiment":"neutral","sentiment_score":-0.14319545098326422},{"text":"Yeah.","start":4860.895,"end":4861.295,"sentiment":"neutral","sentiment_score":0.03961673751473427},{"text":"Yeah.","start":4861.295,"end":4861.795,"sentiment":"neutral","sentiment_score":0.06605738401412964},{"text":"Are are we referring to Super Daddies or my personal stock before?","start":4870.94,"end":4875.28,"sentiment":"neutral","sentiment_score":0.023462612958004076},{"text":"Look, if I I've never seen it.","start":4877.6597,"end":4879.26,"sentiment":"neutral","sentiment_score":-0.09245940830026354}],"sentiment":"neutral","sentiment_score":-0.07930907680718012,"num_words":43,"start":4848.6504,"end":4879.26},{"sentences":[{"text":"I haven't seen a 20% drop yet.","start":4879.26,"end":4881.34,"sentiment":"neutral","sentiment_score":-0.2524711659976414},{"text":"So if I send a 20% drop, I'd I'd probably ring ring yourself and say, you know, do you know what's going on?","start":4881.34,"end":4889.225,"sentiment":"neutral","sentiment_score":-0.18656405709359958},{"text":"What what do you think of the the market?","start":4889.225,"end":4890.745,"sentiment":"neutral","sentiment_score":-0.09195696893665525},{"text":"You're obviously the professional at it.","start":4890.745,"end":4892.4253,"sentiment":"neutral","sentiment_score":0.10272320980827014},{"text":"So yeah.","start":4892.4253,"end":4895.3853,"sentiment":"neutral","sentiment_score":0.08615784719586372}],"sentiment":"neutral","sentiment_score":-0.1297282817515921,"num_words":47,"start":4879.26,"end":4895.3853},{"sentences":[{"text":"That that is probably the approach.","start":4895.3853,"end":4896.745,"sentiment":"neutral","sentiment_score":0.03726467459152142},{"text":"Yeah.","start":4896.745,"end":4897.2,"sentiment":"neutral","sentiment_score":0.05717138946056366},{"text":"Yeah.","start":4901.9204,"end":4902.24,"sentiment":"neutral","sentiment_score":0.051142312586307526},{"text":"Yeah.","start":4902.24,"end":4902.56,"sentiment":"neutral","sentiment_score":0.052629031240940094},{"text":"I'd I'd say so.","start":4902.56,"end":4903.7,"sentiment":"neutral","sentiment_score":0.0403234027326107}],"sentiment":"neutral","sentiment_score":0.041986491674414046,"num_words":13,"start":4895.3853,"end":4903.7},{"sentences":[{"text":"Yeah.","start":4904.0,"end":4904.3203,"sentiment":"neutral","sentiment_score":0.08623731136322021},{"text":"Hold on, mate.","start":4904.3203,"end":4905.3003,"sentiment":"neutral","sentiment_score":0.08710635205109914},{"text":"Yep.","start":4949.765,"end":4950.265,"sentiment":"neutral","sentiment_score":0.08608492463827133},{"text":"Yeah.","start":4968.6646,"end":4968.985,"sentiment":"neutral","sentiment_score":0.03800644725561142},{"text":"I I have to present that would be, yeah, obviously, better.","start":4968.985,"end":4972.2847,"sentiment":"neutral","sentiment_score":-0.0009159318764101373}],"sentiment":"neutral","sentiment_score":0.027151322868816993,"num_words":17,"start":4904.0,"end":4972.2847},{"sentences":[{"text":"Yep.","start":5017.72,"end":5018.22,"sentiment":"neutral","sentiment_score":0.06369321048259735},{"text":"Yep.","start":5035.32,"end":5035.82,"sentiment":"neutral","sentiment_score":0.03527747839689255},{"text":"It's ASR.","start":5036.76,"end":5037.34,"sentiment":"neutral","sentiment_score":0.031204967759549618},{"text":"Yep.","start":5037.4,"end":5037.9,"sentiment":"neutral","sentiment_score":0.08269281685352325},{"text":"So I was trying to understand those questions, but I will be I will be looking to borrow, like, soon to invest if that is one of your questions.","start":5075.635,"end":5086.8936,"sentiment":"neutral","sentiment_score":0.1082592213462139}],"sentiment":"neutral","sentiment_score":0.09951737824389163,"num_words":34,"start":5017.72,"end":5086.8936},{"sentences":[{"text":"Yeah.","start":5087.4067,"end":5087.9067,"sentiment":"neutral","sentiment_score":0.0878070667386055},{"text":"Well, that's where I was going at before with the debt recycling.","start":5088.42,"end":5095.8804,"sentiment":"neutral","sentiment_score":0.0002830729354172945},{"text":"I was gonna split my loan and debt recycle that way.","start":5095.94,"end":5099.545,"sentiment":"neutral","sentiment_score":0.05777434649115259},{"text":"Yep.","start":5099.685,"end":5100.185,"sentiment":"neutral","sentiment_score":0.24233600497245789},{"text":"Yeah.","start":5110.41,"end":5110.73,"sentiment":"neutral","sentiment_score":0.1635250449180603}],"sentiment":"neutral","sentiment_score":0.04356087704833884,"num_words":26,"start":5087.4067,"end":5110.73},{"sentences":[{"text":"I was gonna when I do start, I was gonna start small and just do $10 till I get the feel of things.","start":5110.73,"end":5116.01,"sentiment":"neutral","sentiment_score":0.15174501518840375},{"text":"But Yeah.","start":5116.01,"end":5126.905,"sentiment":"neutral","sentiment_score":0.16960181295871735},{"text":"Yeah.","start":5148.61,"end":5149.11,"sentiment":"neutral","sentiment_score":0.11791034042835236},{"text":"I'd say I'll be reasonably confident.","start":5176.35,"end":5178.53,"sentiment":"neutral","sentiment_score":0.10480431964000066},{"text":"Yeah.","start":5178.59,"end":5179.09,"sentiment":"neutral","sentiment_score":0.16119469702243805}],"sentiment":"neutral","sentiment_score":0.1435536342588338,"num_words":33,"start":5110.73,"end":5179.09},{"sentences":[{"text":"Reasonably comfortable.","start":5179.55,"end":5180.59,"sentiment":"neutral","sentiment_score":0.1728639379143715},{"text":"Sorry.","start":5180.59,"end":5181.07,"sentiment":"neutral","sentiment_score":0.17246566712856293},{"text":"Yeah.","start":5181.07,"end":5181.57,"sentiment":"positive","sentiment_score":0.33486396074295044},{"text":"Yep.","start":5223.1353,"end":5223.6353,"sentiment":"neutral","sentiment_score":0.08455013483762741},{"text":"Right.","start":5272.235,"end":5272.735,"sentiment":"neutral","sentiment_score":0.04087536782026291}],"sentiment":"neutral","sentiment_score":0.1630805010596911,"num_words":6,"start":5179.55,"end":5272.735},{"sentences":[{"text":"Oh, yeah.","start":5275.1147,"end":5275.515,"sentiment":"neutral","sentiment_score":0.026027727872133255},{"text":"I think I would.","start":5275.515,"end":5276.155,"sentiment":"neutral","sentiment_score":0.03613023925572634},{"text":"Yeah.","start":5276.155,"end":5276.655,"sentiment":"neutral","sentiment_score":0.05243182182312012},{"text":"Yep.","start":5282.85,"end":5283.35,"sentiment":"neutral","sentiment_score":0.08273960649967194},{"text":"I think so.","start":5293.73,"end":5294.37,"sentiment":"positive","sentiment_score":0.4853343466917674}],"sentiment":"neutral","sentiment_score":0.16252280737866054,"num_words":11,"start":5275.1147,"end":5294.37},{"sentences":[{"text":"Like I said, we've come to you because you're the professionals, you know, of a train driver train driver.","start":5294.37,"end":5301.565,"sentiment":"neutral","sentiment_score":0.0747636929154396},{"text":"I'd rather that's your forte.","start":5301.565,"end":5303.3447,"sentiment":"neutral","sentiment_score":0.1905266374349594},{"text":"I'd take your word.","start":5303.565,"end":5304.765,"sentiment":"neutral","sentiment_score":0.23047615215182304},{"text":"You know?","start":5304.765,"end":5305.3447,"sentiment":"neutral","sentiment_score":0.09795983508229256},{"text":"Yep.","start":5362.9053,"end":5363.4053,"sentiment":"neutral","sentiment_score":0.2711949050426483}],"sentiment":"neutral","sentiment_score":0.12136008181879597,"num_words":31,"start":5294.37,"end":5363.4053},{"sentences":[{"text":"Look.","start":5388.175,"end":5388.655,"sentiment":"neutral","sentiment_score":-0.00350719690322876},{"text":"My my my job hours are pretty unpredictable, and it'll just be call anytime, and hopefully, I'm available.","start":5388.655,"end":5395.89,"sentiment":"neutral","sentiment_score":-0.002231519358853499},{"text":"September.","start":5413.3647,"end":5413.8447,"sentiment":"neutral","sentiment_score":0.10430008172988892},{"text":"Yeah.","start":5413.8447,"end":5414.3247,"sentiment":"neutral","sentiment_score":0.15013480186462402},{"text":"Look.","start":5414.3247,"end":5414.565,"sentiment":"neutral","sentiment_score":0.17700377106666565}],"sentiment":"neutral","sentiment_score":0.017625641331753948,"num_words":22,"start":5388.175,"end":5414.565},{"sentences":[{"text":"I can go for that.","start":5414.565,"end":5415.3647,"sentiment":"neutral","sentiment_score":0.16049778312444687},{"text":"Like I said, sometimes I'll have a job where I've got time to make a phone call, and sometimes I'm real busy.","start":5415.3647,"end":5420.105,"sentiment":"neutral","sentiment_score":-0.03630218544805592},{"text":"We we can we can just we can just go for that, and I'll point around it.","start":5423.33,"end":5425.9697,"sentiment":"neutral","sentiment_score":0.10243163170183406},{"text":"I'll still wanna make it work.","start":5425.9697,"end":5427.4297,"sentiment":"neutral","sentiment_score":0.20013528813918433},{"text":"Yep.","start":5440.735,"end":5441.235,"sentiment":"neutral","sentiment_score":0.05676501989364624}],"sentiment":"neutral","sentiment_score":0.05887755536127324,"num_words":51,"start":5414.565,"end":5441.235},{"sentences":[{"text":"Yep.","start":5478.19,"end":5478.69,"sentiment":"neutral","sentiment_score":-0.08932571113109589},{"text":"Alright.","start":5487.63,"end":5488.13,"sentiment":"neutral","sentiment_score":0.09752149879932404},{"text":"Yep.","start":5488.27,"end":5488.77,"sentiment":"neutral","sentiment_score":0.1619984209537506},{"text":"No worries.","start":5502.505,"end":5502.985,"sentiment":"positive","sentiment_score":0.346053883433342},{"text":"Thanks for your time, Shadi.","start":5502.985,"end":5504.125,"sentiment":"positive","sentiment_score":0.751702857017517}],"sentiment":"positive","sentiment_score":0.4620816260576248,"num_words":10,"start":5478.19,"end":5504.125},{"sentences":[{"text":"I thought you were right there.","start":5505.705,"end":5506.745,"sentiment":"positive","sentiment_score":0.5214653660853704},{"text":"Thanks, mate.","start":5506.745,"end":5507.3047,"sentiment":"positive","sentiment_score":0.6612817347049713},{"text":"Bye.","start":5507.3047,"end":5507.8047,"sentiment":"neutral","sentiment_score":-0.11979150027036668}],"sentiment":"positive","sentiment_score":0.48128490729464424,"num_words":9,"start":5505.705,"end":5507.8047}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Caden. Caden.\n\nChannel 1: Hello. I have Brody\n\nChannel 0: What,\n\nChannel 1: on the\n\nChannel 0: man?\n\nChannel 1: line for you.\n\nChannel 0: Amazing. What did he say?\n\nChannel 1: He just said I'm just missed a call from Savvy. So sorry.\n\nChannel 0: No. That's right. Please put him through.\n\nChannel 1: Awesome. Check. See you now.\n\nChannel 0: Brody, mate. David Zotto speaking. How are you?\n\nChannel 1: Sebi, hang on, mate.\n\nChannel 0: I'm well, man. I'm well. Thank you for asking. May this is entirely on me. I I thought that the appointment was at, 10:00.\n\nI've been sitting on my computer since 09:00 this morning, dropping the kids off, and then I've just been literally looking at your research and plotting away, and I have no excuse other than\n\nChannel 1: That's not\n\nChannel 0: believing for some reason that it was 10:00. You should see my appointment's not and then I do Now I apologize completely. That is entirely on me, and I've got no excuse, to be honest.\n\nChannel 1: No. That's for my digest.\n\nChannel 0: Beautiful. Now I understand you already spoke to my colleague. Madison, you've gone through a bit of a fact find. Again, as part of this call is just, obviously, introducing myself, getting a better understanding of yourself, you know, your goals, your objectives, what what the reason why you're reaching out to us. And and then from there, we'll we'll essentially go through once I know a little bit more about you.\n\nI'll show you our financial services guide, our OPC services guide, and give you a little bit of an understanding about us and kind of identify where you are in the overall kind of financial freedom scope, if that makes sense.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Beautiful. So, mate, let me know a little bit more about you. I've got a little bit of a rundown from the notes from Maddie. But, yeah, what what what brought you to reaching out to us?\n\nChannel 1: Okay. So I'm I'm currently so I'm 30 years old. I am\n\nChannel 0: Yep.\n\nChannel 1: currently with Super, and that's just the default super company that our\n\nChannel 0: Mhmm.\n\nChannel 1: employer\n\nChannel 0: Yep.\n\nChannel 1: puts us through.\n\nChannel 0: Yep. Construction and building. Yep.\n\nChannel 1: Yep. Yep. So a couple of folks I work with actually recommended me to to give you guys a call to see what you got\n\nChannel 0: The\n\nChannel 1: to offer\n\nChannel 0: soil.\n\nChannel 1: in terms of\n\nChannel 0: Yeah.\n\nChannel 1: a long term goal, I suppose. So\n\nChannel 0: Yeah. Yep. Okay. Well\n\nChannel 1: yeah. So with with C buses, with my current value\n\nChannel 0: mhmm.\n\nChannel 1: to Cbus, they I've I've projected to have $800 by the time '67, and then my death benefit's only $200. It seems a little bit low. So\n\nChannel 0: Yep. Yep. Okay. Yeah. It is a bit slow looking at your primary place of residence debts.\n\nThat's 470,000. And then you also got the the missus car. So, yeah, with insurances, they just this one of those things you pay all this money for the best outcomes, nothing happens. You know, if nothing happens, you live a happy, healthy life, and that's great because you don't have to claim on anything severe. But\n\nChannel 1: Yep.\n\nChannel 0: if that's the case, then you don't get a refund for the premiums you paid your entire life. So it's a horrible financial decision if nothing happens, if the best outcome\n\nChannel 1: Yep.\n\nChannel 0: happens. Right? So we need we need to when it comes to insurances, we do we do the full scope of work. So super as well as insurances all the way up to, you know, marginal lending against properties for shares. We can do pretty much anything on the financial scope.\n\nThat's all\n\nChannel 1: Yep.\n\nChannel 0: we're licensed to do. And I guess it's it's it's nice to know that we're getting referred over from word-of-mouth, so we must be doing something right, which is nice.\n\nChannel 1: Yep.\n\nChannel 0: But, yeah, you you're looking at your looking at your liabilities, mate. You you it looks like you're underinsured. But keep in mind, you've also got the super balance that would get paid out in your event passing as well. So that\n\nChannel 1: Yep.\n\nChannel 0: 200\n\nChannel 1: So,\n\nChannel 0: and 8,000 plus the $1.20. Yep.\n\nChannel 1: yeah, so another thing too, currently, in the last twelve months, I've shown a bit of interest in the in the share market. So I've actually been currently\n\nChannel 0: Beautiful.\n\nChannel 1: investing in the stocks.\n\nChannel 0: Beautiful. Yep.\n\nChannel 1: So that and that's another thing I wanna factor into my thirty year plan is to how I go about, you know, investing. I've come up with a half an idea of investing money now so I can semi retire off stocks in my late fifties until I reach my preservation age to access my super. And that's just somewhat of a plan I've come up with.\n\nChannel 0: Mate, that's a very good plan. Very good plan. Alright. So once you retire, late late fifties on shares, and then you when you hit that preservation age of 60 years old at the moment, don't know what the government will change it to by the time we get there. But, yeah, when you get to age 60 at the moment, it's preservation, so you can start living on that super.\n\nI guess my next question is we've got the time horizon that we're working with. So what would you think would be a reasonable amount to live on? Have you ever thought about that? Or so\n\nChannel 1: To\n\nChannel 0: let's\n\nChannel 1: leave\n\nChannel 0: say\n\nChannel 1: on currently.\n\nChannel 0: yeah. Or or in today's dollars. So it's gonna be dollar for dollar. In future years, we'll take inflation into accounts and every calculation. But if it was in today's dollars and you're hit the age of 60, have you thought if you got no debts, no mortgage, no nothing, have you thought about what that number would be?\n\nUse usually, clients say about $1,000 a week is a good is a good amount with no mortgage and no liabilities. That's about two to three overseas holidays a year with no dependents.\n\nChannel 1: Yeah. Yeah. Look. That's that's a really hard one to answer because\n\nChannel 0: I\n\nChannel 1: I'm\n\nChannel 0: know.\n\nChannel 1: I'm quite a splurge. I like to spend money. I've got a couple of kids. I like to spoil them. You know?\n\nBut\n\nChannel 0: Yeah. That\n\nChannel 1: but\n\nChannel 0: is fair.\n\nChannel 1: what you\n\nChannel 0: That's\n\nChannel 1: say, we we hard to say because I I got a I wanna get\n\nChannel 0: fair.\n\nChannel 1: over my head. So my my weekly biweekly pay gets gets drawn down pretty quick. So we'll go ahead. So I'd say a thousand bucks, $1,500 a week and probably plenty for someone that doesn't have any debt.\n\nChannel 0: Yep. Yep. Okay. Well, just because you said that you splurge, let's go the higher end because it's a goal. Right?\n\nAnd so let's go, say, $1,500. So if you're looking at $1,500 a week, there's fifty two weeks in a year, that's $78,000 in a year that we wanna try and achieve as a goal. Right? So\n\nChannel 1: Yep.\n\nChannel 0: what's your super tracking for, say, 800,000? Was it 800,000?\n\nChannel 1: I think that's what it said. Yeah. So I currently got a 117 in there and on, yeah, 30.\n\nChannel 0: Correct.\n\nChannel 1: So\n\nChannel 0: Yeah. So it well, look. Let's work on what c buss's projections look like. We obviously wanna it's not really about our job's not really about looking at investments and portfolios and just getting the best return we can. There's always needs to be a philosophy or a a a purpose behind the investment Because\n\nChannel 1: Yeah.\n\nChannel 0: for the fact of the matter is if you reach that purpose, let's say a certain number or what you want the money for to purchase something else, whatever that purpose is, if you can achieve that sell up, don't take the risk because you've achieved the goal. That's what a lot\n\nChannel 1: Yep.\n\nChannel 0: of investors lose scope of that I've seen at least in my career. So it's really important to kind of establish these goals. So looking at, say, $1,500 a week to $78,000 in a year, let's just say a return of 5%, which is about, what, 65 basis points more than the cash rate at the moment. So net of fees, you know, fees about 11%. So let's just say in a very defensive portfolio utilizing bonds, very safe investments, you wanna have a pool of money that can grow at net 5%, just for number's sakes, net 5% per annum so that you can be able to live on interest.\n\nThat's true financial freedom. Right? If you want $78,000 a year, divide that by 5% up, that means that we need a balance of 1,560,000. So if you've got $1,560,000\n\nChannel 1: Yep.\n\nChannel 0: in your overall share portfolio, super, whatever it might be, we can look at ways to kind of introduce that that share money into the super environment, which is really beneficial\n\nChannel 1: Yep.\n\nChannel 0: because everything over 60 is free, tax free, capital gains tax free, you know, whereas at all incomes only all incomes free as well after the age of 60. Whereas if you kept that shared portfolio in your personal name, it adds on to your taxable income.\n\nChannel 1: Are you sorry. Are you saying with my share portfolio, if I reach the age of 60 and start selling off shares, that's tax free. Is that what you're saying?\n\nChannel 0: If it's inside super.\n\nChannel 1: Yep. Righto.\n\nChannel 0: Yeah. Correct. So you need\n\nChannel 1: Because\n\nChannel 0: any of those\n\nChannel 1: that's\n\nChannel 0: ways\n\nChannel 1: the\n\nChannel 0: we\n\nChannel 1: other\n\nChannel 0: can\n\nChannel 1: thing. I I understand my shares now when I do sell them. Just just I've I've got $4 in there at the moment in these shares. I know I just started out. But,\n\nChannel 0: Okay.\n\nChannel 1: like, I I understand if I was to sell them, I'll get taxed they get added to my taxable income.\n\nChannel 0: Yep. Correct.\n\nChannel 1: So my my idea was, like I said before, to live off shares, to semi retire was to to not be working or maybe work one or three days a week and sell shares and just let myself say a $100 a year. That was my\n\nChannel 0: Okay.\n\nChannel 1: idea, but I understand\n\nChannel 0: Okay.\n\nChannel 1: I'm paying 33% tax on\n\nChannel 0: Yeah. So it's well, it's not really 33%. So you get a 50% capital gains discount. And if you were to\n\nChannel 1: them.\n\nChannel 0: retire,\n\nChannel 1: Well,\n\nChannel 0: you\n\nChannel 1: they\n\nChannel 0: sell that\n\nChannel 1: changed\n\nChannel 0: much.\n\nChannel 1: that. No?\n\nChannel 0: Sorry?\n\nChannel 1: That that we don't get the 50% tax discount\n\nChannel 0: Well,\n\nChannel 1: anymore,\n\nChannel 0: let's,\n\nChannel 1: do we?\n\nChannel 0: yeah, this is a common misconception. In the recent budget, they changed it to not 50% down to 30%, then 33, but it still hasn't gone through senate. It's gone through lower house and upper house, but it still needs to actually be passed the legislation. So it's not actually confirmed yet. It's\n\nChannel 1: Okay.\n\nChannel 0: still it's it's it's it's on the latter end of actually being approved going through. But at the moment, all the way up until, I believe, 07/01/2027 is it's still 50%. And the fact of the matter is it takes a long time to get legislation in place within the acts to be able to make it, you know, to make it solid, to make it make it an actual legislation. And the fact\n\nChannel 1: Yep.\n\nChannel 0: it needs to get through it needs to get through that final stage still. So as far as it makes my job really easy not knowing the future, but planning the financial future for clients. But, yeah, it is still hasn't been passed yet. But if it does, yeah, it's 30%. 30%.\n\nChannel 1: Yep.\n\nChannel 0: But if it's in a company with GST, so 33% of it in a company. For you, you'll get a 30% CTC discount. So,\n\nChannel 1: Yep.\n\nChannel 0: you know, you made a $100. You wanna start selling it down. 30 you sell down a $100 of it, that share portfolio. If you're not working, so you retire and you sell it down to live on, whatever it might be, then $30,000 of that $100 that you sold down will go to the tax plan\n\nChannel 1: Yep.\n\nChannel 0: of whatever that if the gain was a 100,000, so more than likely over that time horizon from 30 to age 55, let's say, you'd probably achieve that more.\n\nChannel 1: Yep.\n\nChannel 0: So, yeah, yeah, $30 goes to the ATO, which is awesome because we know how to spend our money better than they do half the time anyway. But,\n\nChannel 1: Yep.\n\nChannel 0: yeah, that goes there. Then you gotta pay income taxes, marginal tax rate based on an income of 70 k leftover. So it's not just 30%. You get the capital gains discount. So that 70,000 will be added to your taxable income on a tier structure.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. So, like, what you're currently making a good way to explain is you're currently a crane operator, and you're on a 100 and $180 a year?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. So every dollar above 200,000 is gonna be taxed at 45% plus Medicare levy, 47%. Right?\n\nChannel 1: Yep.\n\nChannel 0: So if you had a, say, a 50,000 or let's say let's say a 20 a a $30,000 capital gain, you would essentially pay the highest marginal tax rate on those dollars on $10,000 of that because the tax bracket went up from one eighty to $1.90 to 2 100. So\n\nChannel 1: For now.\n\nChannel 0: yeah. No. Tell me about it. It's not ideal. So that's part of our job as well.\n\nSo when you get to that stage, hopefully, we can be you know, have a relationship and work as clients and professional relationship all the way up till then because we've got strategies that we can implement to mitigate that tax liability. Because this is one of the main reasons why I got into this profession because I don't like the tax man very much. I think that they are crooks, and I like to keep as much money in my client's pockets as possible rather than going to the ATO. Because I've still got a puddle at the front of my investment property's house that's been there for three years. I want to guarantee\n\nChannel 1: Yep.\n\nChannel 0: the guarantee our boss probably got no puddles anywhere near his house. Right? Funny how that works. So that's kind of gives you a background of my kinda my mentality when it comes to the ATO. I think it's very similar to yours and everybody else's.\n\nBut, yeah,\n\nChannel 1: Yeah.\n\nChannel 0: to give you an I to give you an idea of of what what the rules look like, yeah, you you if these shares are held in super above age 60, 60, completely tax free if you sell them, or any dividends or anything that gets paid. However, if it's in your personal name, it will get added even after the age of 60, it will get added onto taxable income.\n\nChannel 1: Yep. Yep. As far as, like, everyone that has the same idea. I I don't really wanna have to wait till I'm 60 years old before I can, you\n\nChannel 0: Yeah.\n\nChannel 1: know,\n\nChannel 0: No.\n\nChannel 1: enjoy\n\nChannel 0: It's fair.\n\nChannel 1: enjoy a bit of money. So that's why I'm trying to come up with a bit of a plan. I understand everyone's gonna pay a bit of tax, but\n\nChannel 0: Yeah. It's\n\nChannel 1: yeah,\n\nChannel 0: a good\n\nChannel 1: I don't\n\nChannel 0: plan.\n\nChannel 1: I don't\n\nChannel 0: It's\n\nChannel 1: wanna\n\nChannel 0: a great\n\nChannel 1: be I\n\nChannel 0: plan.\n\nChannel 1: don't wanna be waiting till I'm 60. But another question, I suppose,\n\nChannel 0: Yeah. You're\n\nChannel 1: I'm\n\nChannel 0: right.\n\nChannel 1: I'm torn between whether I should salary sacrifice 5% into my super, or do I just keep focusing on paying off my mortgage? At the moment, I'm told I'm sort of sticking between just paying extra off the mortgage.\n\nChannel 0: So five\n\nChannel 1: And\n\nChannel 0: so\n\nChannel 1: and\n\nChannel 0: 5% of your wage, how much do you save per week, would you reckon?\n\nChannel 1: save.\n\nChannel 0: Yeah. Save. How much could you save per week or sort of a month, whichever you get paid?\n\nChannel 1: It's hard to say. So I'll go I got a lot of accounts going on. So\n\nChannel 0: Okay.\n\nChannel 1: look. I I I'll put, say, 50 to $100 a week aside in an investing account, and that's the money I use to buy an ETFs.\n\nChannel 0: Yep. Yep.\n\nChannel 1: And, no no, you look, I might save a $150 a week in my own little savings account.\n\nChannel 0: Yeah. Good. Good. So would you say maybe let's just say if you wanted to salary sacrifice 5%, that's a lot based on your income. Because you're already contributing your employer puts a new SGC contribution of 12% every year.\n\nThat's\n\nChannel 1: Yep.\n\nChannel 0: $21,600 going into your fund. If you wanted to put in 5% of your gross wage of 180,000, you're looking at an extra $9,000. So you're essentially over the cap by $600. So 5% is too much.\n\nChannel 1: Righto.\n\nChannel 0: That's nine yeah. 5% of a $180 is 9,000. Right? Half of 18. So you're and you're already putting in concessional contribution from your employment of 21,600, the concessional cap is 31 is $30,000\n\nChannel 1: So\n\nChannel 0: at\n\nChannel 1: what\n\nChannel 0: the moment.\n\nChannel 1: what's that\n\nChannel 0: So\n\nChannel 1: mean\n\nChannel 0: every\n\nChannel 1: if you go over that concessional caps?\n\nChannel 0: every dollar after that is taxed at the highest marginal tax rate. So there's no benefit.\n\nChannel 1: Right.\n\nChannel 0: Yeah.\n\nChannel 1: Right.\n\nChannel 0: So you wanna kind of limit that, but there is ways we can get around it. You can carry forward the last five years of unused cap or concessional cap. So if you're if you haven't salary sacrificed anything at all and you get to the end of the financial year, Over the last five years, you've essentially been on a 100 let's just say, a $180 for the last five years, and you haven't put any more in. You've got, what, $8,400 excess every year for five years. So you can you can salary sacrifice more in if you wanted to.\n\nStrategy, we do closer to the time of retirement because you can access the money sooner. But to answer your question, if you're saving a $150, once you got $50 salary sacrifice and a 100 into it was a week. Correct?\n\nChannel 1: Sorry. What was that?\n\nChannel 0: Sorry. Was it a $150 that you could probably use as savings a week?\n\nChannel 1: Potentially. Yes.\n\nChannel 0: Okay. So let's just go if you got a 150 spare cash flow $150 per cash flow a week, then, you know, why don't you kinda diversify? Why don't you put a 100 towards the mortgage? Because that if you do an amortization calculator, you'll be amazed at how much that reduces your interest repayments, just a $100 a week. I can do all of that for you as well.\n\nChannel 1: Yes.\n\nChannel 0: But then put then salary sacrifice $50,000. That's an extra $2.5, $2,600 into your super fund. That's minimizes your tax your tax liability as well.\n\nChannel 1: Okay. Yeah. I could\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: So,\n\nChannel 1: could possibly\n\nChannel 0: I mean\n\nChannel 1: do that.\n\nChannel 0: yeah. Yeah.\n\nChannel 1: My\n\nChannel 0: Yeah.\n\nChannel 1: situation's\n\nChannel 0: But we could\n\nChannel 1: a little bit tricky at the moment, I suppose, because I've got two young kids and my wife's only just going back to work now. So I'm sort of carrying the the front of the\n\nChannel 0: Yeah. Gotcha.\n\nChannel 1: the front of the cost of living. So and, like, my I try and pay an extra $260 a week off the mortgage because I understand that the more I put in there,\n\nChannel 0: Yep.\n\nChannel 1: the less interest I'm paying on that large amount of money. So\n\nChannel 0: Correct. Do you do you have an offset account?\n\nChannel 1: but not currently, but in the next four weeks, I will because we're in the process of refinancing. So\n\nChannel 0: Okay. Gotcha.\n\nChannel 1: another plan I I know I'm trying a lot in your face here, but one once we once we refinance the reason I'm like refinancing, not only to borrow a bit of money to renovate the house, but with Macquarie Bank, I can have multiple offset accounts, and I was gonna look\n\nChannel 0: Correct.\n\nChannel 1: at a bit of debt recycling.\n\nChannel 0: Yep. Absolutely. We can do that. Yep.\n\nChannel 1: So\n\nChannel 0: So\n\nChannel 1: that\n\nChannel 0: you're\n\nChannel 1: was another\n\nChannel 0: looking at\n\nChannel 1: audio I had.\n\nChannel 0: yeah. Absolutely. We can definitely have a look at debt recycling. I love I love debt recycling, especially if it's for bricks and mortar. We can have a look at that.\n\nIt really depends on what service you kinda go wanna go with, but we can get to our fees and what we charge and the services overall. We can do complimentary stuff, a complimentary statement of advice. But if you want that more complex kind of strategies and looking at debt recycling and, you know, mortgages and stuff like that, there is gonna be an upfront cost for the preparation of the statement of advice just so you're aware. But like I said, I'll I'll I'll just get an idea a little bit more about you, and then we'll go through all of that when it's when we're done with you. Alright?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Beautiful. So you're looking at salary sacrifice, possibly. You're looking at debt recycling, possibly. You definitely wanna have a look at that c plus superannuation because as we've indicated, if you want 1,000 to $1,500 a week by the age of 60 when you can access it, you're currently not on track to achieve that with the 5% return net. Right?\n\nChannel 1: Yep.\n\nChannel 0: So you need to get you on track for close to 1,500,000. So we can utilize strategies to kinda see what salary sacrificing looks like and how much you'll need to put in if for some reason we weren't able to achieve that projected amount. So that's the number I'm gonna work with within my head. Alright?\n\nChannel 1: I guess.\n\nChannel 0: But then you also indicated that you would don't wanna work and wait till you're you're the age of 60. Right? So you wanted to build up some sort of share portfolio, which you're comfortable managing. We do we can set up share portfolio. I mean, we're looking at your super, and we provide a ETF recommendation for diversified portfolio.\n\nMaybe you can probably just copy that if you like, save some money. But if you're happy with your portfolio at the moment, I'm more than more than welcome to do it that way as well. But the let's say when you said late fifties, do you wanna aim for having a shared portfolio to be able to help the boots and retire at the age of 55? Is that a good number? Or\n\nChannel 1: Yeah. Look. It sounds good now. Obviously, anything can change in the next twenty five years, but, yeah, ideally, I'd like to be mortgage free, debt free by by about fifty fifty five would be great.\n\nChannel 0: Okay. Well, debt free and mortgage. So debt free completely by the age of fifty fifty five. Alright. We can work with that regarding the salary the contributions to your mortgage.\n\nAnd, yeah, if you if you wanna set up and refinance with Macquarie, I love Macquarie. They're an amazing bank because of the products that they have. So the products, like you said, many different or you can link something like 28 accounts, bank cash bank accounts to an offset one offset loan. It's insane. So, yeah, I think that's a great idea.\n\nYeah. You you should be able did you want me to well, I can definitely have a look at ways to essentially introduce, you know, contributing to an offset account and how much that number is to be able to achieve that goal of, say, 50 and then an alternative for 55, if you like. But, again, we're we're I'll get you get I'll give you an understanding of our our services and what they cost and all the bits and pieces as well because it's kinda like a tiered approach. That makes sense.\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. Okay. Well, I've got a pretty good idea. We've already got all your fact finds and risk profiles and things like that. But is there anything else?\n\nSo we're looking at debt recycling. We're looking at some want to retire around about I'm I'm gonna aim for 5050 to '55, be debt free, and hopefully hang up the boots, and then live off the share portfolio to the age of 60, if not further, and then start utilizing superannuation as a drawdown\n\nChannel 1: Yeah.\n\nChannel 0: in the income mechanism. Is that the plan?\n\nChannel 1: Yeah. Yeah. It sounds like a plan. Like I said, re retiring is a bit of a bit of a dream, I suppose, but the the main goal of of to get the mortgage gone.\n\nChannel 0: Yep. Yeah.\n\nChannel 1: Now\n\nChannel 0: No. That's\n\nChannel 1: I'm retired,\n\nChannel 0: alright.\n\nChannel 1: but but if I can do it all in in one hit, that'd be good. If we talk\n\nChannel 0: Yeah.\n\nChannel 1: get rid\n\nChannel 0: No.\n\nChannel 1: of mortgage\n\nChannel 0: Absolutely.\n\nChannel 1: and every time.\n\nChannel 0: Yeah. No. We can have a look at that. Alright. Well, what I'm I've got a fairly good idea of what you have to, mate.\n\nUnless there's anything else while I draw up this email, I'm gonna send you through I'm just gonna shoot you through an email straight from my personal email. It's it's gonna include the Oakview Financial Services Guide as well as the Oakview Services Guide. A little bit more about us. I'll give you an idea of who we are, what we do, what we charge, all the bits and pieces, all the compliance points.\n\nChannel 1: Yep.\n\nChannel 0: And from there, man, I think I just need to run through a fact by did you go through a risk profile questionnaire with Maddie when she called you? Let me just have a look.\n\nChannel 1: Wrist fall. I can't remember. Wrist\n\nChannel 0: Yeah.\n\nChannel 1: fall.\n\nChannel 0: No. That's right. Let me have a look. No. She didn't do that, so she probably left it up to me.\n\nSo then I'm just gonna ask some questions regarding your volatility and your your, I guess, your attitude and approach to financial risk. It's some of those questions are pretty dumb. They've made up by the ASIC and the federal government, so bear with me when we go through it. But, yeah, it gives me an understanding. We're gonna have a discussion about what kind of risk tolerance you are and what time versus risk actually means.\n\nAlright?\n\nChannel 1: Yep.\n\nChannel 0: So are you in front of a computer at the moment?\n\nChannel 1: No. I've got a notepad in front of me. That's\n\nChannel 0: Okay. Yep. Is there any way that you would, maybe on your phone or something, be able to access your emails?\n\nChannel 1: yeah. I can either I can try I can jump on the computer, or I can just put you on speaker. We'll get my email. Is that what you're after?\n\nChannel 0: Oh, yeah. Yeah. Correct. Because I wanna send you through this the the these two documents and actually walk you through them. It's it's part of our compliance approach.\n\nFound out the other day, actually, off topic. The financial services, the asset management and financial planning is more regulated than the pharmaceutical industry at the moment in Australia. Pretty\n\nChannel 1: Okay.\n\nChannel 0: crazy. But, yeah, it's just I mean, fair enough. We look after hundreds of millions of other people's money. We need to make sure we do it correctly. But, yeah, I will essentially wanna back to the financial services guide, I do need you to have access to actually see these documents.\n\nSo if you can, probably a last week or whatever is easier for you to receive an email. And your best email, just to confirm, is where are where are you? Sorry. I opened up my CRM. So are you still b.stevens2285@hotmail.com?\n\nChannel 1: Yep. That's it.\n\nChannel 0: Beautiful.\n\nChannel 1: I've got\n\nChannel 0: While\n\nChannel 1: the\n\nChannel 0: I'm\n\nChannel 1: computer\n\nChannel 0: while I'm\n\nChannel 1: in\n\nChannel 0: being\n\nChannel 1: front of me anyway, mate. So hang on.\n\nChannel 0: ah, beautiful. Beautiful. Yep. Just open that up. Jump in the emails.\n\nYou should receive something fairly soon. And, Smit, do you have anything other than that? So, I mean, from a from a planning perspective, from a future financial goals perspective, you're pretty bang on the money. It's it's it's a really good plan. Lots of clients kind of tend to lean towards that plan.\n\nThe only thing that I did wanna ask is what are your thoughts about kind of leveraging to invest? So borrowing against equity in your home to buy another investment property or shares or something like\n\nChannel 1: Yep.\n\nChannel 0: that.\n\nChannel 1: So just rough figures, I did have that in mind. What's going on in my emails? So I've I've got roughly $400 in equity at the moment.\n\nChannel 0: Yep.\n\nChannel 1: So my plan was I just wanted the our house is a little bit rundown. So I'm buying a $100\n\nChannel 0: Mhmm.\n\nChannel 1: for renovations, and I'm reserving the rest of it. Once we get the kids in school and we're a bit more financially stable, I was gonna look at buying investment property.\n\nChannel 0: Yep. Okay. Okay. So\n\nChannel 1: Yeah.\n\nChannel 0: when\n\nChannel 1: So\n\nChannel 0: the kids\n\nChannel 1: that that's\n\nChannel 0: go to school. How old are your kids?\n\nChannel 1: they're pretty young, or they're 2.5 year old and one's about to turn one.\n\nChannel 0: Okay. Okay. So run about what? Prep is about four, four years old, five years old? Is that when\n\nChannel 1: Yeah.\n\nChannel 0: you're\n\nChannel 1: So,\n\nChannel 0: thinking\n\nChannel 1: yeah,\n\nChannel 0: that\n\nChannel 1: probably\n\nChannel 0: that's\n\nChannel 1: in\n\nChannel 0: not\n\nChannel 1: the next in the next five years, I'd say.\n\nChannel 0: okay. Perfect. Well, with property, if you want to get an investment leverage against it, it's really important that you wanna retain about, let's say, 20% as LVR, loan to value ratio. So let's just say that you got a your property's worth a million bucks and you want to pull money out. You don't wanna pull more out to make the than making the loan higher than 800,000 because then you initiate LMI loan mortgage insurance, and that's just an insurance policy that you pay and you don't get any return for.\n\nSo\n\nChannel 1: Yep.\n\nChannel 0: we is it a good number with a million dollar property? Is having equity of around about 600,000? Because then you can leverage against $200 and still have $200 left over in the property to not pay for that loan mortgage insurance policy. So that's kinda gives you an indication. If you were to if you're borrowing that money, how much money are you gonna pull out of that property for innovation?\n\nIs that a $100?\n\nChannel 1: Yeah. So I'm currently borrowing a $100. Yep.\n\nChannel 0: Beautiful. Let me pull up your fact find over here.\n\nChannel 1: So my\n\nChannel 0: Alright,\n\nChannel 1: total\n\nChannel 0: sir.\n\nChannel 1: my total loan will be for about $580,000.\n\nChannel 0: Yeah. Good. 580,000. It says $5.70. On the Factfind, is it 4 is the loan at $4.80 or $4.70 at the moment?\n\nChannel 1: $4.70. Sorry. We're at $4.70\n\nChannel 0: Okay.\n\nChannel 1: 3.\n\nChannel 0: Yeah. Yeah. Yep. Yep. Beautiful.\n\nSo releasing a 100 for for renovations. Beautiful. And that but, I mean, even at that LBR, you're looking at, you know, what, 570,000, and your property's worth 900,000, you\n\nChannel 1: Approximately. Yep.\n\nChannel 0: said? Approximately, and that's Macquarie Hills, New South Wales.\n\nChannel 1: Yep.\n\nChannel 0: Cool.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. You should have enough. Dude, let me just do a quick calculation here. 900 k minus the $5.70. With the equity release, you have 330 k worth of loans.\n\nAnd then we'll go twenty percent 900 k. Should be 45 at 90. Oh, there we go. Okay. So times five zero points to yep.\n\nMinus three thirty. So even after releasing the $100 worth of equity, you still got a $150,000 worth of equity that you you are able to access to for investment purposes without paying anything extra for that loan mortgage insurance. So you're in a good\n\nChannel 1: Okay.\n\nChannel 0: position. If you were to use that same kind of, I guess, modeling, same theory of 20% LVR. So you 150 k for a deposit on an investment. You know, you're you're essentially looking at if you use a 100 of that 150,000, just just not release, no sale, no nothing, just through equity backing. You're looking at 100 if you just use a 100,000 of it, then you got, you know, stamp duties and all that stuff extra.\n\nYou can usually lump it onto the loan. But a 100,000 divided by zero point to yep. So you're looking at a $500,000 property purchase if you wanted, like, a units or something like that, like an investment property. You still have act you still have a a capability of doing that\n\nChannel 1: Yep. Okay.\n\nChannel 0: just to just to give you kinda peace of mind. But yep. So if that is something that you wanted to have a conversation about in the near future, mate, we can do all that too.\n\nChannel 1: Well well, definitely, I don't I think it'll be definitely worth doing in the future. Just the only thing, like I said, I've got a lot of goals at the moment and practically single income. Not really. She's just going back to work now,\n\nChannel 0: Yeah.\n\nChannel 1: but\n\nChannel 0: Yep. Yep.\n\nChannel 1: we're we're we're the kids in the day care. Yeah. Yeah. Cost of leaving is pretty high at the moment, so\n\nChannel 0: Yeah.\n\nChannel 1: I was waiting\n\nChannel 0: I yeah.\n\nChannel 1: to see if\n\nChannel 0: I'll\n\nChannel 1: we\n\nChannel 0: get\n\nChannel 1: can\n\nChannel 0: it.\n\nChannel 1: calm down before I go for the property. But\n\nChannel 0: Yeah. No. That's fair enough. It says, yeah, if you've got a negatively geared property, it does cost start the starting point before the actual price of the property increases so you can increase the rent, the yield. Yeah.\n\nIt's pretty tough. It's pretty tough at times. I've seen clients pay, you know, get an investment property, I think it's a great idea, but the rents are not really in line with these higher end properties, like about 200 1.2, $1,500,000 investment property, but they can only rent out for $800. So it ends\n\nChannel 1: Yeah.\n\nChannel 0: up costing\n\nChannel 1: That's right.\n\nChannel 0: them, like,\n\nChannel 1: And yeah.\n\nChannel 0: 5,\n\nChannel 1: That's\n\nChannel 0: yeah,\n\nChannel 1: right.\n\nChannel 0: $5.05\n\nChannel 1: Yeah.\n\nChannel 0: grand to $5 a month or something. You know?\n\nChannel 1: Yep. Yeah.\n\nChannel 0: So\n\nChannel 1: So I'm\n\nChannel 0: alright.\n\nChannel 1: not really in\n\nChannel 0: So\n\nChannel 1: a position at the moment to do that, but\n\nChannel 0: no. That's alright. That's alright. That's fair enough. But somewhere down the track, you you more than likely will be.\n\nRight? So just keep that\n\nChannel 1: Yeah.\n\nChannel 0: in mind\n\nChannel 1: Yep.\n\nChannel 0: as part of our services. Now my this email, it's nice and short and sweet, but it's somewhere up there in the ether the the web clouds or whatever the stuff. I don't really understand how it works, but it's should be on its way to your email account now. So maybe just hit refresh or check junk or something to send in from osavvy@oqfinancialcom.au. So let me know when you have received that, and we'll get into the compliance parts.\n\nAlright?\n\nChannel 1: Yeah. I'm just refreshing now. Haven't seen nothing yet.\n\nChannel 0: No. That's right. That's right. How's the morning been? Alright?\n\nChannel 1: Yeah. Yeah. It's been good day off work,\n\nChannel 0: Beautiful. We do\n\nChannel 1: which\n\nChannel 0: work from home Thursday. We've got all the team to work from\n\nChannel 1: is\n\nChannel 0: home on Thursdays and Fridays, and productivity has\n\nChannel 1: good.\n\nChannel 0: gone up, like, 30% or something. It's insane.\n\nChannel 1: Oh, really? Oh, it's crazy.\n\nChannel 0: Yeah. Working yeah. Well, if you need no sedentary work, working a computer, and now with this modern technology, like I said, that I don't really understand that much. I just stick to stocks and shares and planning. Yeah.\n\nIt's it's it's amazing how how much more\n\nChannel 1: That's\n\nChannel 0: morale kind of as a business owner you you you get from the team. So, yeah, I'm I'm in the comfort of my own home looking at my puppy. Drop the kids off,\n\nChannel 1: it.\n\nChannel 0: and the missus\n\nChannel 1: That's\n\nChannel 0: in\n\nChannel 1: it.\n\nChannel 0: Melbourne. So yeah. Yeah. I can't really complain. Alright.\n\nSo refresh. Maybe check your junk. I know that sometimes it is a\n\nChannel 1: I\n\nChannel 0: new\n\nChannel 1: found\n\nChannel 0: email.\n\nChannel 1: it. It's in the junk. I just got it transferred to\n\nChannel 0: Yep.\n\nChannel 1: my inbox before I can\n\nChannel 0: Yeah. No. That's alright. Just move it to your inbox because then all future correspondence will go straight to your inbox as well.\n\nChannel 1: Yeah. Yeah. So I was trying to find the mute button. It\n\nChannel 0: I think you\n\nChannel 1: changed\n\nChannel 0: right click.\n\nChannel 1: the it changed the layout of the\n\nChannel 0: Oh, no.\n\nChannel 1: of my\n\nChannel 0: I hate it when that happens.\n\nChannel 1: what just brought me pop out.\n\nChannel 0: Mhmm.\n\nChannel 1: I found it all good.\n\nChannel 0: Beautiful. Now you got three attachments. Let's open up the first one, the 2026 Oakview services guide.\n\nChannel 1: Yeah. It's just loading.\n\nChannel 0: You're right. Let me know when you're looking at it.\n\nChannel 1: Yep. Part. I'm on.\n\nChannel 0: Beautiful. So you should be looking at the front page that says Oakley services guide and a picture of the Gold Coast and all those bits and pieces. You're looking\n\nChannel 1: Yep.\n\nChannel 0: at that? Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: So this is just gives you an idea of why we started the company. You\n\nChannel 1: Okay.\n\nChannel 0: know, it's about about ten years ago now. We we we started myself, my business partner, and his wife, we took on a whole bunch of angel investment debts and from a complete twit, to be fair, it was a bit of an asshole, but we ended up paying him out. So with with only hopes and dreams and no clients in the garage in Pimpama on the Gold Coast. And somehow, we've made it work, but this was right at the time when the Royal Commission into Banking and Finance was going on in 2017. Do you did were you did you remember that?\n\nChannel 1: No. I don't remember that.\n\nChannel 0: Or no. That's right. So during the Royal Commission, they found that asset managers, financial planners, insurance brokers, there's a lot of people doing the wrong thing, but really bad stuff. So things like charging so a a a client would pass away and a multimillion dollar insurance policy will get paid out to the super fund for release from the trustee back to the the client's beneficiary. However, the client's beneficiaries, the family members didn't realize those insurance policy, so nobody really chased it up.\n\nSo these asset managers, with knowing that these payments would get paid out, this is only one example, with knowing that the funds were there, they would actually retain those funds, not let the client's family know, and just charge exorbitant fees on it\n\nChannel 1: Not\n\nChannel 0: for\n\nChannel 1: good.\n\nChannel 0: as long as they like. It's it's disgusting. So but there so there's a lot of players doing the wrong thing, but there are a few of us that are trying to do the right thing. And that's why we start the company on the second page with the vision of being the most trusted financial aid firm in Australia, sticking to a core mission of just, you know, providing us down long term holistic financial strategies to achieve clients or, should I say, couples, families, and individuals and overall clients that have been achieve their financial goals. And our core values, I've kinda get the team to chart the core values, and we've got about 43 of them.\n\nSo you can imagine how loud loud it gets. I've charted these core values every morning so no one forgets it. And there's a little bit of a blurb about, you know, what what we did, why we was why we started it, and pretty much everything I just told you. But more importantly, if you go down to the next page where you're looking at the Oakview Wealth Cycle. You having a look at that?\n\nChannel 1: Yes.\n\nChannel 0: So the Oakview Wealth Cycle, mate, we've and this is I've I've been fortunate enough to work in many different kind of financial arenas around the world. HSBC in Hong Kong when I just finished uni as stock broker, and then went to The UK or to to Scandia Life and all Mutual Global Investors and and then also boutique firms as well as large banks in Australia before starting this. And I can tell you that all this process is more it's not really a process. It's more of an algorithm. I've seen it work at different different areas.\n\nSo let's say, CBA, for example, Commonwealth Bank, they do this approach in almost like the ladder concept. Over in in The UK, they did, like, a baseball pitch diamond where you start at one base, go to base two, base three. But overall, it's all the same thing. And like I said, I've been fortunate enough to be doing this long enough to actually see it work. Right?\n\nSo\n\nChannel 1: Okay.\n\nChannel 0: most of the time clients start as a seedling, and it's at the same time, man, I'm I'm I'm a finance nerd. I'm really nerdy when it comes to this stuff. So excuse all the super corny acorn corny corny analogies and things like that. It just kinda comes with the nerdiness. But if you're looking at a tree, like an oak tree, oak view, you're thinking about the tree of an oak tree.\n\nSo you start up as a seedling, no real growth plan, no strategy, no direction, just kind of a vague idea of what we discussed before, and then we move on to what what do we do next. Alright? And that's where we move on to what we can like to call the root stage. So this is your super and insurance and also accounting taxation. We just refer you over to an accountant if you don't have one.\n\nBecause once we start our financial journey together, work together moving forward, it's, yeah, it's more of a relationship, but, also, you do wanna make sure that you're you you have other professionals in their fields to be able to do the right job as well, which is accountants, lawyers, and mortgage brokers. So\n\nChannel 1: Yep.\n\nChannel 0: I'll get to that in a second, but that's the overall roots there. These things that work in the background that you don't really see every day on your day to day, like your bank accounts or shared portfolio, things like that. It's it's in the background, but it's really important for your retirement because super as superannuation while you're working, your accumulating career is moving onwards to towards the age of 60 and preservation. Your super is growing well for retirement, but at the same time, insurances need to be right and cover you for just the right amount, and we assess that every year to cover you for the rest of the time in case something were to happen. Right?\n\nIf you were to become TPD, you can't be a crane driver anymore. Right? So that's\n\nChannel 1: Yep.\n\nChannel 0: what the insurances are for. They're this necessary evil that you kind of have to address, but I can tell you some horror stories. They are really good to have when you need them. Yeah. Being over insured is just as bad as being underinsured.\n\nSo you you identified you're underinsured. You think you need a bit more insurance. So we can calculate\n\nChannel 1: Yep.\n\nChannel 0: the exact dollar figure that you actually need and what your life's worth. Small business itself.\n\nChannel 1: Yep.\n\nChannel 0: If you\n\nChannel 1: No. I just\n\nChannel 0: yeah. We yeah. We can work it out. And it's just it's just to make sure. Because\n\nChannel 1: saved\n\nChannel 0: if you\n\nChannel 1: it.\n\nChannel 0: if you over insured and you come for a million bucks and you only got a $500,000 mortgage, then you're paying all these extra premiums to a company that the best case scenario is you don't claim because nothing happens. And then you don't get a refund of all your all the premiums you paid your whole life. But if you so we try but if you're paying for extra that you don't need, it's just wasting your money.\n\nChannel 1: Yeah.\n\nChannel 0: But at the same time, underinsured, all the premiums you're paying for that life and TPD inside CBAS, you for being underinsured, that's not gonna suit your needs if something were to happen. So what's the point paying for it at all?\n\nChannel 1: Well, that's alright. So both my parents have suffered some pretty pretty bad accidents, and they were very underinsured. So there's not much money\n\nChannel 0: Yeah.\n\nChannel 1: coming out of that, unfortunately, but so\n\nChannel 0: Correct, sir. So it definitely is really important to, you know, make sure that along the journey because the more and ideally, the best outcome is being self insured, and that's not having to pay some other bloke a premium to cover your needs because you can cover them yourself. Right?\n\nChannel 1: Yep.\n\nChannel 0: So that's mortgage paid out and all that. So over time, as your wealth grows, we wanna reduce that some insured insure insurance policy to make sure that you're paying as little as possible in the event that something doesn't happen, which is the best case event. Right? And\n\nChannel 1: Yep.\n\nChannel 0: try and get that down as much as possible so we can address all that. But after that, once we once we set up those foundational roots, then we move on to this the area we like to call the trunk, the foundations. So this needs to be really sturdy. You need to get on top of your cash flow and budgeting. Have you got a budget?\n\nChannel 1: It's a very liquid budget, but yes.\n\nChannel 0: I can send you through, you know, a MoneySmart budget calculator. It's really useful tool. It's essentially, like, starting to treat your money almost like a well trained dog. It sounds weird, but just hear me out. So, you know, if you give the dog a bone, you say, but dog, go to market, bring me a bigger bone.\n\nThat dog is loyalty. So go to the market or bring back a bigger bone and, you know, you give it a pat, give it a scratch, and say, right. Well, here's the bone again. Go out there and take bring me a bigger bone. And it'll carry on doing that.\n\nBut what usually happens is more often than not, you get such a big the bone grows into such a big return that, you know, you lose kind of you lose loyalty with it with that dog that's actually the vehicle that's getting you the return of the bigger bone. And you start keeping that bone for yourself, talking to mates, and you stop playing with the dog. And what happens is you lose that relationship with the dog or the money, and what more more often than not we see is that that dog will start taking that phone elsewhere. Right?\n\nChannel 1: Yes.\n\nChannel 0: So really important to get on top of that cash flow and budgeting and create that relationship, that strong bond with your with your income, with your cash flow, knowing where everything's at. Next up, we like to create some nondeductible debts. So family homes are good PBR like you've got now. It's a really good starting point to do exactly what you're doing now. You know, releasing equity so that you can get further investments like investment properties or shares, something like that down the track because in Australia, investments are amazing.\n\nIn Australia, you know, we we pay some of the highest, I think we're, like, twenty fourth or twenty third highest marginal tax rate on the planet out of all 200 countries or whatever there is. But in saying that we are number one in terms of investing and being an investment haven. And the reason for that is because we're the only country in the world where you can deduct a 100% of the investment interest that we pay. And where else does that? And being a tax paying such high taxes, you wanna be able to deduct those kind of those types of taxes, right, being the highest.\n\nSo it's it's such a haven that we've literally had to put a cap on international investment from China because they were just buying up land, not caring if, you know, sky rises and things, not caring if if you'd probably know about all this in your line of work. But, yeah, they only 50% international investment can go towards a new build of a of a commercial sky rise or residential sky rise because,\n\nChannel 1: Okay.\n\nChannel 0: you know, yeah, there's lots of money flowing in internationally because they only rent land for ninety nine years. Why would you do that when you got that kind of money to buy buy skyscrapers and, you know, hold the land forever with an appreciating or some of the best appreciating property values on earth. So we've had to limit that to only a 50% international. The rest has to be domestic. So property's a really good place to start, but if it's your primary place of residence, as you know, if you can't deduct the interest on your payments.\n\nSo what we wanna do is create that relationship, get the family home or private place residence, pay off to a point where you can leverage to get an another investment, and then just build from there and use OPM. You know, the concept of other people's money, OPM? Or\n\nChannel 1: Yep. Yep.\n\nChannel 0: yeah. So I'll just do yeah. I'll I'll give a brief description, and let me know if it kind if if it makes sense. But if you got, say, $10, right, $10,000, you invested in anything, shares, property, whatever it might be, the the the pen and the pad that you're looking at, that goes up by 10% in a year. You've made a thousand dollars.\n\nRight? Congratulations. But if you take the same $10,000 and you put it to you go to an investment bank or just any normal bank, JPMorgan Chase, something like that, you go, hey. I wanna borrow $90,000 to make my total value of my portfolio a 100. They go, yep.\n\nNot a problem. We'll give you $90, but you gotta pay us 5% interest just for number six per annum right on that facility. So that's what? 5% of 9 $90 is 45,000 4,500 a year. So you go, not a problem.\n\nSign the paperwork. But now you've got your initial 10,000 plus another 90,000 of OPM, other people's money. And then you say take out that a $100 as a total, put it in the exact same investment that makes the exact same 10% in that exact same year. Now you've got $10,000, but you gotta pay OPM back. So you pay him back for 4,500.\n\nWhat you're left with is $5,500 on the exact same $10,000 outlay. So that's a 55% return in a year compared to 10 for\n\nChannel 1: Yep.\n\nChannel 0: the same vehicle. You know what I mean? So that's that's not only that. That's the gear that's the gearing side of things, but all the interest, that 5%, you can deduct a 100% of it. If it's an interest only loan, you can deduct a 100% on your repayment in Australia, which is incredible.\n\nAlright?\n\nChannel 1: Yep.\n\nChannel 0: So that's what we're trying to work towards. But overall, in that trunk stage, we move on to getting rid of any bad debt, credit cards, anything like that. You know, Zip pays. If there's no interest, it's still bad debt because you got debts. Bad debts is essentially debt that you can't deduct.\n\nSo a primary place of residence is bad debt, to be fair.\n\nChannel 1: Yeah.\n\nChannel 0: And then estate planning. So lawyers, wills, power of attorney, stuff like that. So once we got those set up, then we start really accelerating that kind of stages where where the the overall process gets kinda sexy. I've seen those clients reach the stage within about five years after getting a private place of residence. So you're already you're in you're already kind of in the trunk stage.\n\nWe just need to tidy up a few steps along the way. So the next step would be looking at that branching out region where you really start accelerating borrowing money against equity so that you can build a portfolio that's all working harder for you. So that not only your share portfolio that you're building up, but let's say a property or commercials, property or factories, you know, you can you can really start generating some good income from that where you can maybe go part time or work as a great driver. And then, eventually, all the income that you're receiving from that, you will you'll be able to sustain yourself and your family off. So what's the point of working anymore?\n\nChannel 1: Yep.\n\nChannel 0: Alright. And then then the next kind of stage is the blooming stage. So you got all the branches out and you start blooming. All flowers open up, this is when you start retiring. When you stop when you start winding down from work, you've got enough to facilitate your lifestyle from income.\n\nThis is where we get really sexy in our in our line of work where we try and and one of my favorite parts is we when you sell assets and when you start retiring, you gotta kinda wind everything up. What happens is you sell it, you gotta pay tax. You gotta pay capital gains tax, and that's nowhere near as beneficial if it passes at 30% instead of 50% capital gains tax discount. Right? So we work our ways to try and mitigate that liability as much as humanly possible with TTR strategies to the transition to retirement strategies, trust structures, self managed super funds that are in there as well.\n\nAny sort of Social Security strategies, if you can be in a position to utilize government pensions and things or Social Security benefits, they do it because it's the same tax dollar bills that you're paying for it in the first place. So I highly recommend try to get as much as we can out of that as possible. And then after you've done all that that whole process, you get to the the seeding stage. And I like to think of financial freedom as or the your financial journey as a whole through your life as a circle because you've got the kids as well. Right?\n\nSo when you get to that stage, you can reap the rewards of all your hard work, drop that seed down, and then your kids are essentially starting at the seeding stage again. And it's you know, they essentially have to brave the weathers and the storms and the floods and the rains and whatever else. But if there's a big canopy of a, you know, strong foundation over them, then it's gonna make it a lot easier in their lives to grow. Right?\n\nChannel 1: Yeah.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yeah. It does make sense.\n\nChannel 0: Or beautiful. So we're looking at this roots and trunk stage, looking at your goals and objectives. There's different fees for different strategies because different strategies mean more work. Right? So this this consultation is completely free, but I'll get to I'll get to the fees in a second.\n\nIf you go skip down a little bit, you gotta meet our experienced team. That's just a breakdown of how we started, what I told you in the beginning of this conversation. If you wanna put a pace to the name, I've got a lot more city miles on me than that. It's just very airbrushed. It can do magic.\n\nBut, yeah, that's my that's me, Severiano Zato. Severi is a lot easier. That's my titles and all the licenses and degrees and whatever else. I spent way too much money doing. But to put me in, fortunately, a position in, there's a little blurb about how amazing we are for each of us.\n\nFeel free to read that in your own time. My business partner, Bart, he does already practice. He worked from the background and does a lot of the stuff that I hate, like the accounts and whatever else. So we work well together. And then there's a whole team behind us.\n\nLike I said, these are these are the advice team, but we behind every adviser, there's two admins, a power planner, and oversee support as well. So you can imagine the team I think we got about 43 employees. The whole purpose of showing you that is to show depth of company so that, you know, if I'm not available for whatever reason, if you wanna reach out and just get in touch with me, have a chat or do an annual review, anything along those lines, just just a general catch up. I'm more than welcome to give us a call at any time. But if I'm not available and it's important, there will always be someone there to help you out.\n\nChannel 1: Yep.\n\nChannel 0: K?\n\nChannel 1: Awesome.\n\nChannel 0: Beautiful. The next is mostly compliance. They're compliant with the telephone call regulatory guides. We've we're we're legislated. We run our own Australian financial services license, the same license to that of the large insurance companies and big banks.\n\nUsually, when you've got a financial firm like ours, like, a little bit more boutique, usually, what happens is we work underneath an AFSL like, CommBank or Westpac or something. But part of the vision of being the most trusted financial planning firm in Australia is that I should be able to give my clients a recommendation of whatever products in their best interest. Right? That's kind of how it works. But if I'm licensed on the CommBank, I'm sure they wouldn't be very happy about me recommending a BT product, which is a Westpac product.\n\nRight?\n\nChannel 1: Right.\n\nChannel 0: So so it's not really when you license on those bigger banks, it's I've been in the industry for a while. You you notice that 99.99999% of the time, advisers that work in banks are all licensed under the an AF certain AFSL. They are more than more than likely, almost every time, recommending their principal AFSL's products because they get commission and kickbacks and KPIs. We didn't want that because we wanted to be able to recommend any product on the on the planet. And we applied for our own ASL.\n\nI think about my the second second youngest firm to get approved of actually going through the asset routes and getting getting your ASL from starting from scratch. Right? Which was pretty pretty good achievement based on experience and whatever else. But that's a little bit of a breakdown on what the we what our license is and that's that AFSL. But within that, we are regulated under the Corporations Act, ASIC, APRA, absolutely everybody under the sun to make sure that we can't run away with your money or wander us or anything like that.\n\nOkay?\n\nChannel 1: Yeah.\n\nChannel 0: And then how to connect with us is a little bit more about our information of compliance manager. That's essentially myself and Bart. There's our advice team and nice little picture. And the next kind of little bit is what I call OVA. Just this idea came up with where it's a proud collaboration of expertise.\n\nSo even though I've got all the qualifications to be able to be an accountant, had all the education and know how it works, I'm not registered with the tax practitioners board because of that. I couldn't think of anything more boring or worse than being an accountant.\n\nChannel 1: Yeah.\n\nChannel 0: Right? So so that for that reason, I'm not an accountant. And I could and I don't submit past tax returns. So I leave that up to accountants to do. So and there's nothing worse than referring an existing client that you've done the strategy for and built a relationship with like yourself, let's say.\n\nAnd I you say, look. I don't like my accountant. They haven't helped me out at all. So I'm gonna pass this over. I'm gonna pass this over to, you know, I'll pass this over to such and such Joe Soap to look after your account where accounting works, and then he drops the ball and completely stuffs it up.\n\nRight? Then it just looks bad on me, and you probably it leaves kind of a sour taste in your mouth with somebody that's actually doing the right thing because of that referral. So I like to work with people that I know are fairly diligent and good at paid jobs like we are, And those are those firms, the QCA is an accounting firm that we're partnered with. Gold Coast Wealth is Brooke Jurasic. She's a really well known mortgage broker.\n\nShe's she's amazing at what she does. She can she can get a loan made out of anything. And as far as I'm concerned, FIO is more like commercial lending and more specialized kind of services for lending money. And then Kate Taylor Associates is accounting and law, and then Gold Coast accounting is in that group as well. We don't get any kickback for anything.\n\nNo referral fees. It's just I just like the way they work, and they like the way we work so that we join together. So you've always got services that we can refer you over to. That makes sense.\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. Now that's that document done. You can have a read through to be struggling for the next document to be fair. If you go back to the email, go to the third attached document, the twenty twenty six Oakview Financial Services Guide. Open that up.\n\nThis is the compliance. I'll fly through it. That AFSL number that I was talking about, next to our ABN, it's over\n\nChannel 1: Yep.\n\nChannel 0: there. So 513068. You can search us up on ASIC. There's our address. If I run away with your money and you wanna break my knees or something like that, that's where you can find me.\n\nThe and as well as our, you know, phone numbers and everything else. Now the purpose of this FSG, I'll just go through each step. So number one, purpose of it is to make sure that we can do what we do legally. Give advice about money and then it's about the next step is what does that advice entail. Right?\n\nAnd what about if, you know, you've got a complaint? I run away to The Bahamas and start drinking pina colitis with your money. Wouldn't be very happy about it. Right? What do you do?\n\nSo that's that's all included in this document. So who we are I'll get to that in a second. But who we are, we because we run our own Australian financial services license, license number 513068, That means we can give advice on absolutely anything anything you want. It doesn't bother me. But we do have to put a disclosure of a lack of independence because we essentially aren't independent because we get commissions from other company sources, like commissions from insurances, stuff like that, and we also regulate on the aspect.\n\nSo we can't really say that we're independent. It's just a stupid thing that lawmakers thought was a good idea and put in the corporations act a long time ago, but doesn't really mean anything. But it's more importantly if you skip down to the services we provide. Number four, let me know when you're\n\nChannel 1: Yep.\n\nChannel 0: there.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So this is what I meant by anything. So we can give advice across the entire scope of deposits and payment products, the base deposit products like high interest savings accounts, stuff like that. Any and any government debentures or stocks or bonds, ETFs, direct equities, long term, short term bills, and government wants to build a bridge and they want private funding. You agree with those kind of government dimensions we can give advice on.\n\nAny and all life insurance products, but not general insurance. So investment life insurance products, which is, like, endowment policies, term of life investments, things like that, as well as any sort of life risk insurance products, so life, TPD, income protection, business expenditure, and trauma. After that, any and all managed investment schemes, so this is like private equity funds. If you you wanna group together with the boys around the barbecue and you decide to build a low rise and or pull your money together in a trust, we can give advice on that. And then if you just but if you just wanted to invest in a portfolio yourself, like your current share portfolio, It's if you wanna use a platform, we can give advice on all those shares as well as an IDPS, invest direct portfolio service that we manage.\n\nIt's highly up to you. Any and all retirement savings products, account based pensions, as well as TTR pensions, and anything in between, or any and all securities including foreign exchange as well as superannuation. And under that need that, there's two kind of hidden things that because I'm you're speaking with myself, we can you can have access to it because only myself and Bart's actually licensed to give this advice, but that's self managed super funds as well as margin lending. So borrowing from a property to buy shares. Does that make\n\nChannel 1: Yeah.\n\nChannel 0: sense?\n\nChannel 1: Yep.\n\nChannel 0: Yep. So pretty much anything. Anything you want along the financial scope, just give me a call. That's what I'm here for. Then we'll make it up.\n\nAlright? Five, how we provide advice. We'll go through this contact call, then we'll book in the time, maybe two weeks time, to go through the statement advice and the recommendations. From there, you can either say, nah. Go away.\n\nAnd that's it. Call it a day. Wish you all the best. But if you do proceed and you see the value in our services and advice provided, then you'll sign ongoing well, a HCP authority to proceed and all the documents, and then we'll set everything up and implement everything, do all the legwork as part of that fee. And then keeping you on track, we do quarterly updates and full comprehensive annual reviews every year with yourself to make sure that we're still on track for your goals.\n\nYep.\n\nChannel 1: Yep.\n\nChannel 0: Now the fees and charges. So we are professional service. We do charge a professional service fee. You know, you somehow, you need to pay back all those university degrees, which is almost a masters, but we like to be fair as well. So we we like to set up these fees and engagements for what the work involves to set up a statement of advice.\n\nSo a statement of advice is a big scary document that we have to do legally to give any personalized advice, have it, you know, pen to paper. Now different if we're looking at, let's say, an investment strategy like leveraging against your property, there's a lot of work involved there. So we do charge a letter of engagement fee, but the it depends on what service you're looking for. So from your goals and objectives, we've identified that we we you wanna have a look at your super and insurance. That's complimentary.\n\nWe'll draw up a statement of advice. If you only wanna scope those in, we'll draw up a statement of advice for free so that we can show you value. And then moving on, once you come on board as a client and you see the value in those services, we don't charge any upfront fees from then on. K? However, if you do wanna have a look at that cash flow and budgeting or debt repayment strategies and pay, you know, more towards the mortgage, we can strategize that and plan that out and stick that in.\n\nBut there is gonna be a $16.50. So $1,650 implementation fee to get that process started to draw up that statement of advice just because it's a lot more calculations and work. And then if you\n\nChannel 1: Yeah.\n\nChannel 0: wanna go a little bit more sexy into the branching out, it's $2,200. But from just this just to get started, for you to save money, and I'll probably go the root section because you don't pay anything out of back pocket. And when you do pay something for our work, it will be taken out of super. That way you can see if it's actually worthwhile coming on board. Right?\n\nInstead of paying $161,650 bucks for saying, yeah, you should put money into a mortgage offset when you're already in the process of refinancing anyway. You know what\n\nChannel 1: Yep.\n\nChannel 0: I mean?\n\nChannel 1: Yep.\n\nChannel 0: So if you're happy with just, you know, getting complimentary letter of engagement, complimentary statement of advice, and just make sure that we can actually provide value, then I'll go the roots if you're happy with that.\n\nChannel 1: Yeah. Yeah. Like I said, I'm only just sort of getting involved with you guys. So,\n\nChannel 0: Yep. Yep. Well,\n\nChannel 1: obviously,\n\nChannel 0: that that\n\nChannel 1: if I\n\nChannel 0: that's\n\nChannel 1: can if I can see things at work and then in the near future, obviously, be more reluctant\n\nChannel 0: Yeah.\n\nChannel 1: to join in more of your services. But\n\nChannel 0: Oh, no. So so what I'm saying is sorry. I might might have not explained that correctly. So just to get the statement of advice started depends on what you want in the statement of advice. So if you only want to look at the super and insurance at the moment, I can draw that up complimentary, and we'll go through it.\n\nAnd you\n\nChannel 1: Yes.\n\nChannel 0: if you\n\nChannel 1: Yes.\n\nChannel 0: don't like if you don't like any if you don't like the outcome or you don't like the service or the projections that we can put forward or show value, we we don't get you in a better position, then you can say you don't wanna proceed, and then you don't pay us a cent. But if you do\n\nChannel 1: Yeah.\n\nChannel 0: proceed for any of the strategies, there's an implementation fee that's taken out of super. We can charge it out of your super fund. That's $4,950 for the document. But when you're looking at the root section, we prepare that document, which takes a lot of time and money and wages and all the rest. We can prepare that for super insurance for free to show that there is value in coming on board in the first\n\nChannel 1: Yep.\n\nChannel 0: place.\n\nChannel 1: So I understand it better now. I'm just trying I'll have more\n\nChannel 0: Yeah.\n\nChannel 1: information\n\nChannel 0: Yeah. You\n\nChannel 1: you're\n\nChannel 0: know what\n\nChannel 1: taking.\n\nChannel 0: I mean?\n\nChannel 1: That's all. Yep.\n\nChannel 0: Yeah. No. That's alright. Let me know if you have any questions or anything. You know, it's just it's more about just making sure you you know what's going on as well.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: if I was in but if I was in your position, I would get the complimentary statement of advice because I don't see the value in paying paying $1,650. So $1,500 plus GST for just saying, yeah, put this much money into an offset account when you're already\n\nChannel 1: Yeah.\n\nChannel 0: in the\n\nChannel 1: Yeah.\n\nChannel 0: process of doing that. You know what I mean? So\n\nChannel 1: Yeah.\n\nChannel 0: we can do that statement advice for super insurance. And once you come on board, if you do see the value in our services and come on board, we will take you through all the rest of the stages without any implementation fee because you're already a client. So part of that involves a statement of advice ongoing fee. So if we manage your superannuation and we manage your assets or share portfolios, we charge a tiered structure percentage base. And there's two ways that we charge an ongoing fee.\n\nThat ongoing fee is either, you know, flat based, where every time we get in touch with you or every I like to call it the lawyer way. I hate it. But it's like, you know, every time that I send you a as an email or every five minutes of my time, I'll every staple and every piece of paper we send out, everything, I'll send you a big juicy invoice to pay it back. Right? And, you know, even if it's five minutes of my time, we would charge an hour because it's taking it's taking another that hour.\n\nAnd my time's not that cheap. So for that reason, that kind of fee structure for an ongoing service, I don't agree with because it directly conflicts with our vision of being trusted. You know, if you wanna if you to be the most trusted financial planning firm, we need to speak to each other. We need to have rapport, and you need to be able to trust me. The way we build that is by speaking to each other.\n\nRight? But if you know that you're gonna get a big juicy invoice every time you speak to me, you're not gonna wanna speak to me that often. Right? So for that reason, we charge a percentage based fee. For your assets, it'll be 1.65% ongoing.\n\nJust means that I've just got more incentive for me to make you more money because I get paid more. And if you lose for whatever mark happens in the market, then I get paid less. I think it's fair.\n\nChannel 1: Is that asset\n\nChannel 0: Is that\n\nChannel 1: fee on on my total assets, you mean, or is that just not super?\n\nChannel 0: yeah. Correct. No. So so so that's just your superannuation. Only assets that we manage.\n\nSo we're not managing your properties or anything. So\n\nChannel 1: Yeah.\n\nChannel 0: it's just gonna\n\nChannel 1: Right.\n\nChannel 0: be if we give advice on super insurance, we'll just be the super fund. Yeah. Correct.\n\nChannel 1: It\n\nChannel 0: And\n\nChannel 1: was\n\nChannel 0: we can\n\nChannel 1: essentially\n\nChannel 0: charge\n\nChannel 1: one point.\n\nChannel 0: 1.65%, so 1.5% plus GST. But then when you get to $200, so hopefully, we get you there as quick as possible, then the fee drops between two two hundred thousand to 500,000. The fee drops to 1.375. So, essentially, 1.25. It's 1.5%, 1.25, one, and then one point 0.75 tiered up, but then our GST is what\n\nChannel 1: And\n\nChannel 0: those\n\nChannel 1: is\n\nChannel 0: numbers\n\nChannel 1: that so\n\nChannel 0: are.\n\nChannel 1: is that is that an annual fee based on that percentage?\n\nChannel 0: Correct. Correct. So it's your funds, whatever the fund balance is, it's an annual fee, but deducted monthly. So, you know, if you've got let's just say you got a 117 at the moment. Right?\n\nSo a 117,000 times that by 0.0165. That's $1,930.50 a year. And then you divide that by 12 because there's twelve months a year. So that would essentially be a $160 of the funds in a year, every in that month. And then the next month, the first of next month rolls around, and let's just say you got a 120,000 because it's grown by $3 or a 150,000.\n\nWhatever it might be, we'll do the same calculation divided by 12 to deduct that monthly. So the\n\nChannel 1: Yep.\n\nChannel 0: reason why we do it that way is that it it evens up the volatility in the market. Whereas if we deduct it from an annual basis, you know, that might be the peak of the market. And then if it goes your portfolio goes up, withdraw the funds there, and then the the market crashes, it's over the year, it's not gonna be 1.65%. It's gonna be significantly more on an average, if that makes sense. So we try and even it out so that we can utilize more compounding return for you.\n\nChannel 1: Right. And that those fees, and I just get the ducker there as a super itself.\n\nChannel 0: Yep. Yep. Yep. We can deduct everything out of super so that you don't pay anything out of your back pocket. It's the bit it's the most tax effective strategy because you only pay 15¢ on the dollar going into super.\n\nChannel 1: Yeah.\n\nChannel 0: At the moment,\n\nChannel 1: Yeah.\n\nChannel 0: you're paying, you know, 37, 39 Medicare,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: all\n\nChannel 1: I'm\n\nChannel 0: include\n\nChannel 1: Yep.\n\nChannel 0: Medicare. So so and then you don't feel any weight off your back pocket, especially in your position with two kids. You know what I mean?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Does that make sense? Do you have any questions about that?\n\nChannel 1: Yeah. That's\n\nChannel 0: Or\n\nChannel 1: that's I got a better understanding of that now. Yeah. Thanks.\n\nChannel 0: yeah. Beautiful. No questions. Wanna make sure that you don't get any surprises when we do present the statement of advice. And just so you're aware, when we do the calculations and projections for super, we take into account all these fees as well as the as well as inflation.\n\nSo it's gonna be that result's gonna be in the in today's dollars value.\n\nChannel 1: Yep.\n\nChannel 0: Cool. No questions? All good?\n\nChannel 1: I I suppose one more question. So which\n\nChannel 0: Yeah.\n\nChannel 1: super\n\nChannel 0: Go for it.\n\nChannel 1: which super company do you usually run with?\n\nChannel 0: Well, it depends. We we've got an ASL. We can recommend I can recommend from Sunsuper all the way up to, I don't know, some Nigerian pension fund that invests in lemon trees in Zimbabwe. Like, we can we can literally invest in anything. At the moment, our largest book is with either Netwealth or one of the retail funds because we've because you got quite a we've we've grown for quite a while, and we've got to a position where we've we're the only company that's got a BlackRock backed SMA in the whole country, and this is gonna remain that way.\n\nSo BlackRock and our investment philosophies align. So because of that kind of, you know, market movement and that sway, we can get deductions on certain platform fees. Also, you'll find that retail funds with access to direct equities and, you know, all sorts of weird and wonderful investments and a really sophisticated platform that does aggregate trading to minimize brokerage and all that stuff, we can get for more often than not cheaper in terms of administration investment costs than your standard industry fund, like Zebra or Australian Super or whatever.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: So\n\nChannel 0: so\n\nChannel 1: if\n\nChannel 0: we\n\nChannel 1: if\n\nChannel 0: we\n\nChannel 1: I\n\nChannel 0: so it really depends.\n\nChannel 1: yeah. Sorry. I'll just so if I were to sign up with you guys, I don't have to deal with Cbus or anything at all. Is that you do all that\n\nChannel 0: No.\n\nChannel 1: sort\n\nChannel 0: No. No.\n\nChannel 1: of\n\nChannel 0: We\n\nChannel 1: stuff? Or\n\nChannel 0: well, you're paying yeah. Absolutely. You're paying us paying us for a service.\n\nChannel 1: yep.\n\nChannel 0: That's a service. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. We do all the leg work. We we will make all the rollovers happen. We'll do the sell downs. We'll do the investments, the reinvestments of any super contributions coming in.\n\nBut when it comes to the product, I just have to find out if it's suitable for you because that's the one of the one of the hard things with running your own license and being able to recommend any product on the planet is that exact thing, being able to recommend every any product on the planet. So with with with an endless amounts of options, we need to make sure that what we're what product we're recommending for you is the most affordable, but it also gets you to a goal of that $1,500 a week. And whatever product that is, I don't care. It doesn't bother me. But it's just whatever that product is, it's probably gonna be an Australian retail fund that's listed or something along those lines that we know has good backing.\n\nIt's not gonna go bust anytime soon, things like that.\n\nChannel 1: Yep. And is that\n\nChannel 0: Does that\n\nChannel 1: something\n\nChannel 0: make\n\nChannel 1: so, obviously, if I'm with a different superannuation fund, I'll just have to tell my employer to put in another account. How does that\n\nChannel 0: Yep.\n\nChannel 1: work?\n\nChannel 0: Yep. Exactly. Right. We will we will send you out a what's called a Superchoice nomination form, and we'll get we'll go get you we'll send that out by email and hard pack. We'll give you a real welcome pack.\n\nYou can either have that form where that form will be in that hard pack, but we will also send it via email. All you have to do is forward it on. We've got all the details in there, and they will start contributing to whatever super fund we recommend.\n\nChannel 1: Right here. Okay.\n\nChannel 0: Okay. So make sense?\n\nChannel 1: Yeah. Yeah. That does make sense. Yep.\n\nChannel 0: Beautiful. And what I can also do is give insurances regarding, say, life DPD as well as income protection. If you want that, I can get that structured inside super as well. The only one we can't do is trauma. Trauma policies cover you gotta pay out of your back pocket, but it sounds like a trauma policy it covers things like heart attacks, cardiovascular disease, and which is which heart attacks are cardiovascular disease, and strokes and cancers.\n\nBig one. Cancers in Australia. So if you want me to have a look at that, you can I can look at it? At your agent stage, it will probably be, like, between 10 and $20 a month. But just by speaking to you, I think I don't think it's I think it'll be more valued in utilizing those funds to put towards your mortgage offset.\n\nYeah?\n\nChannel 1: Yeah. Yeah. Well, that's what I could always look into later on.\n\nChannel 0: Yeah. Correct. And once you come onboard and you see the value and you do come onboard as a client, you you you have access to us. It's another thing about the percentage based ongoing fee. You're not gonna get invoiced for when you speak to me.\n\nSo you can call me every day if you want. Preferably not, but, you know, you\n\nChannel 1: Yeah.\n\nChannel 0: know what\n\nChannel 1: No.\n\nChannel 0: I\n\nChannel 1: That's\n\nChannel 0: mean.\n\nChannel 1: I don't wanna hassle you up, but yeah. Because the other thing too, I've\n\nChannel 0: Correct.\n\nChannel 1: got a we work under a enterprise bargaining agreement too. So we do get\n\nChannel 0: Oh,\n\nChannel 1: the income\n\nChannel 0: okay.\n\nChannel 1: protection through the union and stuff\n\nChannel 0: So\n\nChannel 1: like\n\nChannel 0: you've\n\nChannel 1: that.\n\nChannel 0: got income protection through\n\nChannel 1: But\n\nChannel 0: through the unions.\n\nChannel 1: yeah. So we got a thing called u plus. So if something happens at work and we're unable\n\nChannel 0: I'm\n\nChannel 1: to\n\nChannel 0: I'm aware\n\nChannel 1: work,\n\nChannel 0: of it\n\nChannel 1: even\n\nChannel 0: too.\n\nChannel 1: outside\n\nChannel 0: Yeah. But\n\nChannel 1: of work, we can climb up to, I think, at six months of\n\nChannel 0: Paid.\n\nChannel 1: I think, the cafe 2.5. I can't remember.\n\nChannel 0: Okay. So income protection is similar to that, but it can cover you all the way up to age 60, 65, or even five years. I\n\nChannel 1: Right.\n\nChannel 0: might have\n\nChannel 1: Yeah.\n\nChannel 0: it if it covers you for six months, let's just say you get in a car crash and you aren't able to work because of injury or illness for a year. What are you gonna do for the other six months?\n\nChannel 1: Yeah. That makes sense. Yep.\n\nChannel 0: So what we can do is we can introduce a waiting period, Scott. So we can structure that policy that we're gonna recommend for you to have a six month waiting period. So for six months, you get paid by the union, cuts off, then we initiate the payment from the six month mark because of the income protection claim, and that'll cover you for another five years, let's\n\nChannel 1: Yes.\n\nChannel 0: say, or even all the way up to age 65 if you want. But I like five years because if you're gonna go back to use your duties of work for for more than five years, you're probably never gonna go back to work again. And you if you have TPD, it sounds like a TPD claim to me. So you get the best of both worlds. You know what I\n\nChannel 1: Ronda.\n\nChannel 0: mean?\n\nChannel 1: Yep.\n\nChannel 0: So I'll show you. I'll work that out, and I'll calculate all that because overall goal is to make sure that you're insured for that enough, but not pay the nominal leg for it. Right? We wanna try and balance it out,\n\nChannel 1: Yep.\n\nChannel 0: especially if it's coming out as super. But, yep, that's a breakdown\n\nChannel 1: Yep.\n\nChannel 0: of the fees. We get we get to remunerated commission from insurance companies. The insurance company, if we write insurance or any sort of endowment policy or any sort of risk investments, we get paid commission on that. All the commissions are same, 66% across all insurers. So we don't favor one over the other.\n\nIt's just whatever is best for your risk rating and appetite in terms of your occupation. Last thing I wanna just touch on, we've got all the insurances you can ever imagine. Pay a lot pay through the teeth for them. But last thing is point 11, complaints handling, and then just backfire with them. So the complaints handling.\n\nWhat happens if what was that example I used earlier? What happens if you give your super to us and we've we're managing and you find out you got no super in your account because I've run away with it to I think it was The Bahamas and pina coladas or something. I'm on the I'm in The Bahamas drinking pina coladas. Right?\n\nChannel 1: Yep.\n\nChannel 0: What do you do? Because you wouldn't be well, the first thing you do is you'd go through what's called an internal dispute resolution IDL and get in touch with the compliance manager of the Australian Financial Services license that that firm works under or is. That is me. But I'm gonna be in The Bahamas, drinking beer and collabs with your money. So I probably wouldn't wanna speak to you, and you more than likely wouldn't wanna speak to me.\n\nSo for that reason, Boss, my business partner, he's also a he's also a a a responsible manager compliance manager on the license. We have to be linked to it. And you'll get in touch with him, and you'll save save us a bit of dick. You ran away with my money. What do I do about it?\n\nAnd we will we've we've only had two complaints in almost ten years, so that's pretty pretty pretty good. But, yeah, we're pretty reasonable people. Please give us a call if you're upset about anything. We'll work it out. But if for some reason we don't work it out, then you can go to what's called AFTRA, the Australian Financial Complaints Authority, and they essentially are like our ombudsman.\n\nThey'll they'll come down on us like a ton of bricks and\n\nChannel 1: Yep.\n\nChannel 0: just make sure that everything's fair and reasonable and go from there. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Makes sense?\n\nChannel 1: Understandable.\n\nChannel 0: Beautiful. Do you have any questions about the financial services guide?\n\nChannel 1: Yep. Nah.\n\nChannel 0: Beautiful. The last thing I'm gonna do is I'm gonna shoot through a couple of questions regarding your risk profile, and then I'm gonna book in some time for us to catch up another couple of weeks and present you with some statement of advice, recommendations. K?\n\nChannel 1: Yep.\n\nChannel 0: So how would you describe your experience in understanding investment markets? Would you say that you've had a positive experience in the ETFs and the stuff that you've been buying, or would you say that you've learned risk and reward balance from negative experiences?\n\nChannel 1: So I'd I'd say I'm more medium risk. I've had a pretty good run-in the last twelve months. I'm up 10% total.\n\nChannel 0: Nice. Well done.\n\nChannel 1: Obviously, just investing in low risk ATS like a Vanguard Australia, IVV, and the v 500.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: I've done a little bit of practice paper trading on TradingView. Just\n\nChannel 0: Yep.\n\nChannel 1: practice a bit of swing trading and stuff. Obviously, I wasn't very successful,\n\nChannel 0: Gotcha.\n\nChannel 1: but I do understand you gotta spend money to make money. So my risk would be about I'll be medium risk, I think.\n\nChannel 0: Medium risk. Well, that's why we ask these questions because we break it down to make sure that we do find the right appetite. Because now with when you're talking about risk, you got about four ingredients in the melting pot, if you would.\n\nChannel 1: If\n\nChannel 0: The agree the the four things is, one, your risk profile, what you come out of as from a quantitative qualitative to convert into a quantitative analysis. And from there, you also need to understand time horizon because time is literally risk. Time time equals risk. If you open up a Andex task, you're in front of the computer. Yeah?\n\nChannel 1: Yes.\n\nChannel 0: If you go on to a new tab and you type in andex.com.au, let me know if you got that up.\n\nChannel 1: Just a index chart.\n\nChannel 0: And extra chart. So click on the poster, and then there's a little magnifying glass, the top right corner of the of the actual poster. And I'll open it up. And then let me know when you're looking at that. It's a bit juicy prop from '19\n\nChannel 1: Yeah.\n\nChannel 0: '50\n\nChannel 1: Yeah.\n\nChannel 0: all the way through those colors. Yep. So the blue line is a full Australian index. Top 300, ASX, S and P 300. Light blue lines, what you're in at the moment with super with Cbus, the my super balance portfolio, it's about 70% risk on, 30% defensive.\n\nNow it says green is long term bonds. As you can see, they haven't been doing too well lately. Then Graves Cash and CPI is the orange line. At the far left hand side, if you click on the little plus sign, you'll see the growth. If you invested a $100 in any one of these assets in 1950, what would it do if you had no acquisition costs, no taxes, and all incomes that you receive by way of dividend or distributions, we reinvest back in to that exact same index of all products.\n\nRight? So a $100 on the dark blue line, this is literally what we're talking about when you talk about time versus risk. So\n\nChannel 1: Yep.\n\nChannel 0: dark blue line is just straight shares, riskiest you can get, right, other than crypto probably, but back then, they didn't have that. So if you go along the line, the industrial kinda crash where the bank cards were launched in the mid seventies, that's the first kinda drop. That's a big one. Next one up is that the big sharp one in the eighties. You're looking at so I think it was '86, '87.\n\nThat's when mister Jordan Belford's first day of trading went and they had black Black Friday. That is Black Friday, massive drop. A little bit closer to home, 2007 to 2009 is the global financial crisis. To put in perspective, that big drop there for GSP was 62% of my Australian shares. So if you had a $100 in the S and P ASX three hundred, you'll you would have $38,000 left.\n\nRight? Not not ideal. But if you kept your cool and you kept so you only you didn't put anything more in, you didn't sell, it would have taken, I believe, five point five point four years to break even again. So that's what we're talking about when talking about time horizon. So if you draw a\n\nChannel 1: Yeah.\n\nChannel 0: line from the top point across, so one, two, three, four, five, and a bit, it was it was four it was five point four, not five years and four months, but five point four months of years to be able to get you a 100 back. So even in the riskiest assets, if your investment time horizon is ten years, then you can you can essentially take as much risk as you like because you're looking at about a six year time horizon for a full growth portfolio. Does that make sense? Or\n\nChannel 1: Yeah. A little bit.\n\nChannel 0: little bit. So, yeah, that's the that time horizon is really important. When we're looking at your super, you've got thirty years. This is over\n\nChannel 1: Yep.\n\nChannel 0: thirty five. Well, this is over thirty years. And to just show you the compounding power, compounding return of you know, essentially, this is 2.5% CPI as well, but a $100 in the s and p 300 would be worth $362,654, 11.5% return every year on average.\n\nChannel 1: Yeah.\n\nChannel 0: Right? And it shows you the different aspects. I would looking at your time horizon, not only that, we also need to take the other two into accounts, which is risk tolerance and risk capacity. You have capacity to lose money, make it back. And not only that, you're tolerant.\n\nSo, like, you know, that's that's actually one of the next questions I have. So what let's talk about that. So your so investments go up and down in value. It's called volatility, and you\n\nChannel 1: Yep.\n\nChannel 0: we need to understand your your tolerance to that volatility. Right? So how much could your investment drop and say super? If it how much could it drop in value over a year before you start feeling concerned and anxious? Would you say more than 50%, up to 50%, up to 25%, or up to 10?\n\nChannel 1: I'd say 50%. Like I said, I understand. Looking at the history of of time, I understand the market's always gonna drop and it always recovers better. So if I've seen my\n\nChannel 0: Beautiful.\n\nChannel 1: super drop 50%, I'd probably go, hang on. What's going on here? But I think I could still keep my cool and just trust that the wait time do its thing and if if\n\nChannel 0: I'm\n\nChannel 1: that makes sense. That's probably my risk\n\nChannel 0: yeah.\n\nChannel 1: tolerance.\n\nChannel 0: Absolutely. Absolutely. That makes sense. Because, yeah, the if you look at ratio, literally one 12 eleven point nine years. If you look at any portfolio, any product, any risk risk profile on the market or out there, you the most risky you can guess if you take from when markets began to almost twelve years.\n\nI like to say twelve years, but 11.9 is a ratio of one to 1.001. So you you essentially, even in the most risky markets on the planet, if you took an index approach, you would for for a time horizon of twelve almost twelve years, you would not\n\nChannel 1: Yep.\n\nChannel 0: lose. Okay? But based on that way, you'd how would you feel if in six months after investing, you find out that your portfolio in supers decreased by 20%? What do you do? Would you, one, invest heavily, expecting future return?\n\nOver the longer term, would you, two, invest modestly to hopefully get a bit of a return? Or would you, three, hold and wait a proof of not speaking to your financial professional? Or four, tell me to get stuff to move everything to cash?\n\nChannel 1: What was that if it dropped 20%?\n\nChannel 0: I've dropped 20 in six months. Yeah.\n\nChannel 1: We've got I'd I'd be right to to keep investing, keep throwing more money on it. The the way my approach from what I've learned well, like I said, I've only just started showing a bit of interest in finance in the last twelve months, but\n\nChannel 0: Okay.\n\nChannel 1: and one of the things I read is people make the biggest mistakes when they see the market drop and they panic and they sell. Yeah. Just referring\n\nChannel 0: Emotional\n\nChannel 1: to ETF\n\nChannel 0: bias.\n\nChannel 1: studies.\n\nChannel 0: Yep.\n\nChannel 1: But\n\nChannel 0: That's\n\nChannel 1: the\n\nChannel 0: emotional\n\nChannel 1: way\n\nChannel 0: bias.\n\nChannel 1: the best way\n\nChannel 0: Yep.\n\nChannel 1: to look at it is when the market drops these things are on sale and you're better off buying more. You sort of\n\nChannel 0: Man,\n\nChannel 1: the\n\nChannel 0: we are gonna get along just fine. That is exactly\n\nChannel 1: yeah.\n\nChannel 0: right. Yep. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: When we we people like us, we we we wait for big crashes, and, you know, COVID was a great example of that. Everybody's losing their minds, selling out, and we're just rubbing our hands, holding, going, please, please drop more because if everything's\n\nChannel 1: Yeah.\n\nChannel 0: on sale, a\n\nChannel 1: So\n\nChannel 0: fire\n\nChannel 1: I suppose I'll get a little bit more excited when I see the market drop as opposed to to going up.\n\nChannel 0: sale. But you would you'd essentially just hold off and wait to speak to myself to tell me to ask me what to do. Right?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Or would you just kind of wait till it's at a really low point and then do it like, be open to putting some money in yourself?\n\nChannel 1: Are are we referring to Super Daddies or my personal stock\n\nChannel 0: Oh, just in yeah. Just\n\nChannel 1: before?\n\nChannel 0: in general. Both. Both. Either or.\n\nChannel 1: Look, if I I've never seen it. I haven't seen a 20% drop yet. So if I send a 20% drop, I'd I'd probably ring ring yourself and say, you\n\nChannel 0: Mhmm.\n\nChannel 1: know, do you know what's going on? What\n\nChannel 0: Yeah.\n\nChannel 1: what do you think\n\nChannel 0: What's\n\nChannel 1: of\n\nChannel 0: what's\n\nChannel 1: the\n\nChannel 0: happening?\n\nChannel 1: the market? You're\n\nChannel 0: Yep.\n\nChannel 1: obviously the professional at it. So\n\nChannel 0: Yep. Yep.\n\nChannel 1: yeah.\n\nChannel 0: Okay.\n\nChannel 1: That that\n\nChannel 0: So\n\nChannel 1: is probably\n\nChannel 0: would you\n\nChannel 1: the\n\nChannel 0: would\n\nChannel 1: approach.\n\nChannel 0: you\n\nChannel 1: Yeah.\n\nChannel 0: would you say that, say, hold and wait improvements is probably the best answer for that one?\n\nChannel 1: Yeah. Yeah. I'd I'd say so. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Hold on, mate.\n\nChannel 0: Yeah. Cool. And then if I yeah. If it's if it's got something to do with, like, you know, a southern worldwide pandemic, yeah, I would probably be hold off until we find recovery. So we also do active management just to give you peace of mind.\n\nSo during that pain, for example, COVID, we sold all of our clients' growth assets down to 50% cash position about four days into the declared pandemic. And then about when we when I believe, a little bit later, about three weeks, three and a half weeks after the bottom of market, so during recovery, we've reinvested. We mitigated about nine between 79% worth of losses for clients just from our market movement. So we do a little bit of active management in your in the background as well. K?\n\nChannel 1: Yep.\n\nChannel 0: Alright. What kind of return? This is one of those stupid questions, but what kind of return do you expect to achieve with investing with us? 18% and above, 26.8%, 34.6%, 42.4%, or five zero point two percent. I'm gonna say the most much as possible.\n\nRight?\n\nChannel 1: Yeah. I I have to present that\n\nChannel 0: Yeah.\n\nChannel 1: would be, yeah, obviously,\n\nChannel 0: You'd\n\nChannel 1: better.\n\nChannel 0: think so. Yep. You'd hope so. And how much or next question is I'm gonna ask that for you because what kind of income do you expect to receive from your investments? This is more for older clients.\n\nSo, you know, one's capital growth only, no income. That's what we want, and that's what you want in this accumulation phase because yeah. You you you just have to pay 15% tax on super or if it's in your personal name. It adds on to all income. It's added on to your taxable income whether you reinvest or not.\n\nSo you just wanna accumulate the biggest pool as possible in an environment like Super so that when you get to actually drawing down on it or receiving an income on a larger pool, which means more income, you wanna be you want it to be as tax effective as possible. Right?\n\nChannel 1: Yep.\n\nChannel 0: At the moment, while you're working and before the age of preservation with super, it's not gonna be coming from by way of income. So we wanna try and get growth assets and accumulate as much growth in the actual stock value than actually receiving income that comes later. Okay? Does that\n\nChannel 1: Yep.\n\nChannel 0: make sense?\n\nChannel 1: It's ASR. Yep.\n\nChannel 0: Okay. Perfect. Now we're we're there's something we worry about when we get to the age of fifty fifty five. Alright? Now have you thought about taking out a loan to invest?\n\nLast two questions. Have you thought about taking out a loan to invest? Would you say, one, you have borrowed or open borrowing open to borrowing like a margin loan for stocks and managed funds? Would you next is have you have borrowed or open to borrowing for investment property, but not stocks? Or two or the third one is you're only happy to borrow for a private place of residence, and that's it.\n\nWould\n\nChannel 1: So\n\nChannel 0: you borrow\n\nChannel 1: I was\n\nChannel 0: for\n\nChannel 1: trying\n\nChannel 0: a\n\nChannel 1: to understand those questions, but\n\nChannel 0: that's\n\nChannel 1: I\n\nChannel 0: alright.\n\nChannel 1: will be I will be looking to borrow, like, soon to invest if that is one\n\nChannel 0: Correct. But\n\nChannel 1: of\n\nChannel 0: that's for an investment\n\nChannel 1: your\n\nChannel 0: property. Right?\n\nChannel 1: questions.\n\nChannel 0: Would you be open\n\nChannel 1: Yeah.\n\nChannel 0: or would you ever consider\n\nChannel 1: Well,\n\nChannel 0: borrowing against,\n\nChannel 1: that's\n\nChannel 0: say, property or\n\nChannel 1: where\n\nChannel 0: equity to be able\n\nChannel 1: I\n\nChannel 0: to buy shares?\n\nChannel 1: was going at before with the debt recycling. I was gonna split my loan and debt recycle\n\nChannel 0: Gotcha.\n\nChannel 1: that way. Yep.\n\nChannel 0: You what we could do, if you're going through a refinance, see if you can release more equity for investment purposes, because then you could just release another $50,100 grand and put in put in a share portfolio.\n\nChannel 1: Yeah. I was gonna when I do start, I was gonna start small and just do $10 till I get the feel of things. But\n\nChannel 0: Well, we we can do that's part of the service. If you're paying us, we can we can manage those. We could create a portfolio with that as well after we set the root stage up. So it's\n\nChannel 1: Yeah.\n\nChannel 0: entirely up to you. But if you go yeah. But if you're going through that, you know, if you're going through that if you're going through that refinance stage, see if you can release another 50 k or something like that. Just just on top of what you're already pulling up because we already found out that you still go, you know, you you still got a 150 to a $170,000 worth of equity that you can release, essentially.\n\nChannel 1: Yeah.\n\nChannel 0: So definitely something to look into. But just food for thought. But, yeah, you'll be open to borrowing stocks and funds. And based on the way that you answered that question, how would you feel, you know, personally, about taking out money to invest? Would you say that you're, one, comfortable borrowing for investments, but aware of are aware of the risks?\n\nWould you say that you're somewhat comfortable and kinda cautious? Would you say that you're really hesitant in doing something like that, or you say you're tempted to do it?\n\nChannel 1: I'd say I'll be reasonably confident. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Reasonably\n\nChannel 0: Go somewhat.\n\nChannel 1: comfortable. Sorry. Yeah.\n\nChannel 0: Beautiful. May you call it as a high growth investor? You I think that's if anything, I think you could even take more risk. But just by the way, you kinda described yourself as a moderate risk taker before we kinda went through this. I would be inclined not to take a full a 100% pedal to the metal.\n\nWe can even gear stuff. We can we can do, like, leveraged assets as well. I wouldn't be going that far. You do have the time horizon for it. Like, you know, we're working with thirty years here, so it it would work based on time versus value and return.\n\nBut you're gonna see high volatility. You're gonna see you know, if you if you go in something like that, you can easily see 20%, like, ups and downs. So,\n\nChannel 1: Yep.\n\nChannel 0: you know, it's I would be inclined to take a high growth a high growth kind of approach. What that means is somewhere in the realms of either 10 to, like, ninety ninety to 98% invested into assets between all assets like shares, commodities, gold, infrastructure, all that stuff, even property, arrears and rears, and then another between 10 to 2% worth of defensive assets. Probably the ninety ninety twenty split's kind of a good one for you because then at least if the market's full, you still have some exposure to bonds and fixed interest assets and defensive assets, which essentially, you know, will will halt prop your portfolio up, and you won't lose as much if it were to fall. And that'll prevent you from getting those 20% swings. So\n\nChannel 1: Right.\n\nChannel 0: would you be comfortable with something like that? Or\n\nChannel 1: Oh, yeah. I think I would. Yeah.\n\nChannel 0: yeah. I think you're taking somewhere it's last time I checked SeaBus was somewhere in the eighty eighty twenty split. So just taking\n\nChannel 1: Yep.\n\nChannel 0: a little bit more aggressive approach because of the time horizon we're working with, but still having a bit of exposure to defensive assets. If you're happy with that, man, I'm happy with that. I think that's\n\nChannel 1: I think\n\nChannel 0: perfect\n\nChannel 1: so. Like I said, we've\n\nChannel 0: for\n\nChannel 1: come to you because you're the professionals,\n\nChannel 0: you.\n\nChannel 1: you know,\n\nChannel 0: Well,\n\nChannel 1: of\n\nChannel 0: man,\n\nChannel 1: a\n\nChannel 0: it\n\nChannel 1: train\n\nChannel 0: feels\n\nChannel 1: driver\n\nChannel 0: like we've been\n\nChannel 1: train driver. I'd rather that's your forte. I'd take your word. You know?\n\nChannel 0: yeah. Oh, thank you, man. I appreciate the confident vote of confidence. I can tell you I would be definitely going to you to drive a crane. I wouldn't have a first idea about doing that.\n\nThat's what makes it all go wrong. Right? But, yeah, look. What's the what I've noticed is that, you know, again, doing this for as long as I have, I've noticed that over time when you start building that rapport and that relationship with each other, you you start feeling more comfortable in, you know, our our our capacity and what we know. And what happens is that risk profile usually goes up quite considerably over time.\n\nWe do a new one every year. And oh, yeah. I've I've I've had, you know, clients that were started off in a moderately defensive portfolio. You're talking, like, you know, 55 45 split. And now they are leveraged to their eyelids because they just they see the value in deducting investment debt as well as the return on it at the same time.\n\nSo we're gonna build that relationship moving forward as well.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. But other than that, mate, that's pretty much concludes that concludes our initial consultation. Thank you for your time and patience, mate. I've got a fairly good idea of what you wanna achieve and how we're gonna get you there. Now the last thing I wanna do is book in some time in a couple of weeks.\n\nWhen is a good time for you? Does this time kind of suit you, or would you prefer another time? Or\n\nChannel 1: Look. My my my job hours are pretty unpredictable, and it'll just be call anytime, and hopefully, I'm available.\n\nChannel 0: yeah. Yeah. No. That's alright. Well, what about let's have a look.\n\nThe or fifteenth. What about Tuesday, the fifteenth? Or what about Wednesday, the sixteenth? Was that is Wednesday a good day for you? Or yeah.\n\nCorrect.\n\nChannel 1: September. Yeah. Look. I can go for that. Like I said, sometimes I'll have a job where I've got time to make a phone call, and sometimes I'm real busy.\n\nChannel 0: Yeah. No. That's alright. That's alright. So Oakview Financial,\n\nChannel 1: We we can\n\nChannel 0: I'm gonna\n\nChannel 1: we can\n\nChannel 0: send\n\nChannel 1: just we\n\nChannel 0: you\n\nChannel 1: can just go for that, and I'll point around it. I'll still wanna make it work.\n\nChannel 0: Beautiful. Now Oaktree Financial. I'll send you out a calendar invite, mate. You can you can actually within that invite, I'm pretty sure you can propose a new time just for some reason doesn't con it's complex or something. But either\n\nChannel 1: Yep.\n\nChannel 0: way, I'll tentatively lock it in then, and then I'll get to work, put together recommendations for your super insurances, make sure you're covered, make sure you're growing better, and getting to that goal of, say, a thousand to $1,500 a week by the age of 60. But I'll work with that at the moment because you can only access super at that age. And then from there, we can you know, once we get that, do you see the value in our services compared to c bus, obviously? And then as a kinda comparison projection table, I'll kinda compare one with the other, make sure that you see even net of fees that we can get you in a better position if we can. If we can't, I'll just give you a call and just say, hey, man.\n\nNo. It's there's no points,\n\nChannel 1: Yep.\n\nChannel 0: and the only person that's gonna win out of this if you go ahead is me because I'm gonna get paid, but you're not gonna be in a in a better position. So there's no point to coming aboard. You know what I mean?\n\nChannel 1: Alright. Yep.\n\nChannel 0: Beautiful. Well, yeah, I'll send you out an invite, mate. Absolute pleasure. I'll speak to you in a couple of weeks, Brodie. But if there's anything else you need, don't hesitate to reach out.\n\nAlright? You got our 1300 number there in my email as well.\n\nChannel 1: No worries. Thanks for your time, Shadi.\n\nChannel 0: No worries, mate. Speak to you soon.\n\nChannel 1: I thought\n\nChannel 0: Enjoy\n\nChannel 1: you\n\nChannel 0: your\n\nChannel 1: were\n\nChannel 0: day.\n\nChannel 1: right there.\n\nChannel 0: Bye.\n\nChannel 1: Thanks, mate. Bye.","paragraphs":[{"sentences":[{"text":"Caden.","start":1.04,"end":1.54,"sentiment":"neutral","sentiment_score":0.011961045674979688},{"text":"Caden.","start":1.92,"end":2.42,"sentiment":"neutral","sentiment_score":0.010309110395610332}],"sentiment":"neutral","sentiment_score":0.01113507803529501,"channel":0,"num_words":2,"start":1.04,"end":2.42},{"sentences":[{"text":"Hello.","start":2.56,"end":3.06,"sentiment":"neutral","sentiment_score":0.01804528757929802},{"text":"I have Brody","start":3.1999998,"end":4.0,"sentiment":"neutral","sentiment_score":0.018629187097152073}],"sentiment":"neutral","sentiment_score":0.01848321221768856,"channel":1,"num_words":4,"start":2.56,"end":4.0},{"sentences":[{"text":"What,","start":3.9199998,"end":4.16,"sentiment":"neutral","sentiment_score":0.019128035753965374}],"sentiment":"neutral","sentiment_score":0.019128035753965374,"channel":0,"num_words":1,"start":3.9199998,"end":4.16},{"sentences":[{"text":"on the","start":4.0,"end":4.24,"sentiment":"neutral","sentiment_score":0.03222615830600262}],"sentiment":"neutral","sentiment_score":0.03222615830600262,"channel":1,"num_words":2,"start":4.0,"end":4.24},{"sentences":[{"text":"man?","start":4.16,"end":4.66,"sentiment":"neutral","sentiment_score":0.03859453648328781}],"sentiment":"neutral","sentiment_score":0.03859453648328781,"channel":0,"num_words":1,"start":4.16,"end":4.66},{"sentences":[{"text":"line for you.","start":4.24,"end":5.22,"sentiment":"neutral","sentiment_score":0.062074306110541023}],"sentiment":"neutral","sentiment_score":0.062074306110541023,"channel":1,"num_words":3,"start":4.24,"end":5.22},{"sentences":[{"text":"Amazing.","start":5.7599998,"end":6.16,"sentiment":"positive","sentiment_score":0.41185224056243896},{"text":"What did he say?","start":6.16,"end":7.14,"sentiment":"neutral","sentiment_score":0.0861209649592638}],"sentiment":"neutral","sentiment_score":0.15126722007989885,"channel":0,"num_words":5,"start":5.7599998,"end":7.14},{"sentences":[{"text":"He just said I'm just missed a call from Savvy.","start":8.08,"end":10.639999,"sentiment":"neutral","sentiment_score":-0.1037900310009718},{"text":"So sorry.","start":10.639999,"end":11.3,"sentiment":"neutral","sentiment_score":-0.12378093227744102}],"sentiment":"neutral","sentiment_score":-0.10712184788038333,"channel":1,"num_words":12,"start":8.08,"end":11.3},{"sentences":[{"text":"No.","start":12.08,"end":12.32,"sentiment":"neutral","sentiment_score":-0.13920170068740845},{"text":"That's right.","start":12.32,"end":12.719999,"sentiment":"neutral","sentiment_score":-0.03987227380275726},{"text":"Please put him through.","start":12.719999,"end":13.78,"sentiment":"neutral","sentiment_score":0.07121767848730087}],"sentiment":"neutral","sentiment_score":0.009417780808040075,"channel":0,"num_words":7,"start":12.08,"end":13.78},{"sentences":[{"text":"Awesome.","start":14.045,"end":14.525,"sentiment":"positive","sentiment_score":0.4699099063873291},{"text":"Check.","start":14.525,"end":14.924999,"sentiment":"neutral","sentiment_score":0.29553550481796265},{"text":"See you now.","start":14.924999,"end":15.585,"sentiment":"neutral","sentiment_score":0.29216540853182477}],"sentiment":"neutral","sentiment_score":0.3283883273601532,"channel":1,"num_words":5,"start":14.045,"end":15.585},{"sentences":[{"text":"Brody, mate.","start":18.375,"end":19.095001,"sentiment":"neutral","sentiment_score":0.10562580823898315},{"text":"David Zotto speaking.","start":19.095001,"end":20.135,"sentiment":"neutral","sentiment_score":0.09513060003519058},{"text":"How are you?","start":20.135,"end":21.035,"sentiment":"neutral","sentiment_score":0.11738634606202443}],"sentiment":"neutral","sentiment_score":0.10610030684620142,"channel":0,"num_words":8,"start":18.375,"end":21.035},{"sentences":[{"text":"Sebi, hang on, mate.","start":21.645,"end":22.945,"sentiment":"neutral","sentiment_score":0.048174035269767046}],"sentiment":"neutral","sentiment_score":0.048174035269767046,"channel":1,"num_words":4,"start":21.645,"end":22.945},{"sentences":[{"text":"I'm well, man.","start":23.015,"end":23.735,"sentiment":"neutral","sentiment_score":0.210744246840477},{"text":"I'm well.","start":23.735,"end":24.135,"sentiment":"neutral","sentiment_score":0.2445138841867447},{"text":"Thank you for asking.","start":24.135,"end":24.935001,"sentiment":"positive","sentiment_score":0.4085710942745209},{"text":"May this is entirely on me.","start":25.255001,"end":27.494999,"sentiment":"neutral","sentiment_score":-0.004231254880626996},{"text":"I I thought that the appointment was at, 10:00.","start":27.494999,"end":30.535,"sentiment":"neutral","sentiment_score":-0.16969595021671718}],"sentiment":"neutral","sentiment_score":0.0501205751982828,"channel":0,"num_words":24,"start":23.015,"end":30.535},{"sentences":[{"text":"I've been sitting on my computer since 09:00 this morning, dropping the kids off, and then I've just been literally looking at your research and plotting away, and I have no excuse other than","start":30.535,"end":40.96,"sentiment":"neutral","sentiment_score":-0.23325232767006931}],"sentiment":"neutral","sentiment_score":-0.23325232767006931,"channel":0,"num_words":34,"start":30.535,"end":40.96},{"sentences":[{"text":"That's not","start":40.835003,"end":41.415,"sentiment":"negative","sentiment_score":-0.38378365337848663}],"sentiment":"negative","sentiment_score":-0.38378365337848663,"channel":1,"num_words":2,"start":40.835003,"end":41.415},{"sentences":[{"text":"believing for some reason that it was 10:00.","start":40.96,"end":43.46,"sentiment":"negative","sentiment_score":-0.33988333120942116},{"text":"You should see my appointment's not and then I do Now I apologize completely.","start":43.6,"end":47.805,"sentiment":"neutral","sentiment_score":-0.23591766399996622},{"text":"That is entirely on me, and I've got no excuse, to be honest.","start":47.805,"end":50.705,"sentiment":"neutral","sentiment_score":-0.3121587702861199}],"sentiment":"neutral","sentiment_score":-0.287999370268413,"channel":0,"num_words":35,"start":40.96,"end":50.705},{"sentences":[{"text":"No.","start":50.835,"end":51.075,"sentiment":"neutral","sentiment_score":-0.1428379267454147},{"text":"That's for my digest.","start":51.075,"end":52.295002,"sentiment":"neutral","sentiment_score":-0.07432895246893167}],"sentiment":"neutral","sentiment_score":-0.08803074732422829,"channel":1,"num_words":5,"start":50.835,"end":52.295002},{"sentences":[{"text":"Beautiful.","start":53.085,"end":53.585,"sentiment":"positive","sentiment_score":0.3729113340377808},{"text":"Now I understand you already spoke to my colleague.","start":53.725,"end":56.465,"sentiment":"neutral","sentiment_score":0.08414266506830852},{"text":"Madison, you've gone through a bit of a fact find.","start":56.525,"end":59.005,"sentiment":"neutral","sentiment_score":0.04049667865037918},{"text":"Again, as part of this call is just, obviously, introducing myself, getting a better understanding of yourself, you know, your goals, your objectives, what what the reason why you're reaching out to us.","start":59.005,"end":70.229996,"sentiment":"neutral","sentiment_score":0.06675110373533133},{"text":"And and then from there, we'll we'll essentially go through once I know a little bit more about you.","start":70.45,"end":75.665,"sentiment":"neutral","sentiment_score":0.046615762832133395}],"sentiment":"neutral","sentiment_score":0.06421733365601136,"channel":0,"num_words":72,"start":53.085,"end":75.665},{"sentences":[{"text":"I'll show you our financial services guide, our OPC services guide, and give you a little bit of an understanding about us and kind of identify where you are in the overall kind of financial freedom scope, if that makes 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Maddie.","start":90.76,"end":93.4,"sentiment":"neutral","sentiment_score":0.06300332339910361},{"text":"But, yeah, what what what brought you to reaching out to us?","start":93.4,"end":97.100006,"sentiment":"neutral","sentiment_score":-0.0039108859685560065}],"sentiment":"neutral","sentiment_score":0.06287604011595249,"channel":0,"num_words":37,"start":88.200005,"end":97.100006},{"sentences":[{"text":"Okay.","start":97.735,"end":98.235,"sentiment":"neutral","sentiment_score":-0.0008936226367950439},{"text":"So I'm I'm currently so I'm 30 years old.","start":98.295,"end":101.815,"sentiment":"neutral","sentiment_score":-0.004066125489771366},{"text":"I 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more complex kind of strategies and looking at debt recycling and, you know, mortgages and stuff like that, there is gonna be an upfront cost for the preparation of the statement of advice just so you're aware.","start":1043.7899,"end":1056.2251,"sentiment":"neutral","sentiment_score":-0.03787871376248188},{"text":"But like I said, I'll I'll I'll just get an idea a little bit more about you, and then we'll go through all of that when it's when we're done with you.","start":1056.2251,"end":1063.1051,"sentiment":"neutral","sentiment_score":0.08736847911495715},{"text":"Alright?","start":1063.1051,"end":1063.6051,"sentiment":"neutral","sentiment_score":0.07379797101020813}],"sentiment":"neutral","sentiment_score":0.08869655195277508,"channel":0,"num_words":112,"start":1032.515,"end":1063.6051},{"sentences":[{"text":"Yeah.","start":1064.22,"end":1064.46,"sentiment":"neutral","sentiment_score":0.13415047526359558},{"text":"Yeah.","start":1064.46,"end":1064.96,"sentiment":"neutral","sentiment_score":0.3155280351638794}],"sentiment":"neutral","sentiment_score":0.2248392552137375,"channel":1,"num_words":2,"start":1064.22,"end":1064.96},{"sentences":[{"text":"Beautiful.","start":1065.5851,"end":1065.985,"sentiment":"positive","sentiment_score":0.614355742931366},{"text":"So you're looking at salary sacrifice, possibly.","start":1065.985,"end":1069.28,"sentiment":"neutral","sentiment_score":0.1265990627663476},{"text":"You're looking at debt 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Guide.","start":1279.1499,"end":1285.835,"sentiment":"neutral","sentiment_score":0.0986157595179975},{"text":"A little bit more about us.","start":1285.835,"end":1287.035,"sentiment":"neutral","sentiment_score":0.08447849377989769},{"text":"I'll give you an idea of who we are, what we do, what we charge, all the bits and pieces, all the compliance points.","start":1287.035,"end":1291.615,"sentiment":"neutral","sentiment_score":0.10702376905828714}],"sentiment":"neutral","sentiment_score":0.0724204953483029,"channel":0,"num_words":74,"start":1270.6699,"end":1291.615},{"sentences":[{"text":"Yep.","start":1292.0901,"end":1292.535,"sentiment":"neutral","sentiment_score":0.04885505139827728}],"sentiment":"neutral","sentiment_score":0.04885505139827728,"channel":1,"num_words":1,"start":1292.0901,"end":1292.535},{"sentences":[{"text":"And from there, man, I think I just need to run through a fact by did you go through a risk profile questionnaire with Maddie when she called you?","start":1292.12,"end":1299.9,"sentiment":"neutral","sentiment_score":0.021688425142703385},{"text":"Let me just have a look.","start":1300.04,"end":1301.3401,"sentiment":"neutral","sentiment_score":0.004210523484895627}],"sentiment":"neutral","sentiment_score":0.01869221342993634,"channel":0,"num_words":35,"start":1292.12,"end":1301.3401},{"sentences":[{"text":"Wrist fall.","start":1301.8151,"end":1302.4551,"sentiment":"neutral","sentiment_score":-0.12539537996053696},{"text":"I can't 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dumb.","start":1316.7101,"end":1318.63,"sentiment":"neutral","sentiment_score":-0.18856921512633562},{"text":"They've made up by the ASIC and the federal government, so bear with me when we go through it.","start":1318.63,"end":1322.63,"sentiment":"neutral","sentiment_score":-0.06139522437986575},{"text":"But, yeah, it gives me an understanding.","start":1322.63,"end":1324.9701,"sentiment":"neutral","sentiment_score":0.14919218633856093},{"text":"We're gonna have a discussion about what kind of risk tolerance you are and what time versus risk actually 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maybe on your phone or something, be able to access your emails?","start":1338.605,"end":1342.705,"sentiment":"neutral","sentiment_score":0.03214420417421743}],"sentiment":"neutral","sentiment_score":0.033513150399639494,"channel":0,"num_words":21,"start":1337.245,"end":1342.705},{"sentences":[{"text":"yeah.","start":1344.35,"end":1344.75,"sentiment":"neutral","sentiment_score":0.048693910241127014},{"text":"I can either I can try I can jump on the computer, or I can just put you on speaker.","start":1344.75,"end":1348.27,"sentiment":"neutral","sentiment_score":0.045109222456812856},{"text":"We'll get my email.","start":1348.27,"end":1348.99,"sentiment":"neutral","sentiment_score":0.05739427264779806},{"text":"Is that what you're after?","start":1348.99,"end":1350.13,"sentiment":"neutral","sentiment_score":0.05507046356797218}],"sentiment":"neutral","sentiment_score":0.04852692559361458,"channel":1,"num_words":30,"start":1344.35,"end":1350.13},{"sentences":[{"text":"Oh, yeah.","start":1350.16,"end":1350.8,"sentiment":"neutral","sentiment_score":0.03946058452129364},{"text":"Yeah.","start":1350.8,"end":1351.12,"sentiment":"neutral","sentiment_score":0.07655671238899231},{"text":"Correct.","start":1351.12,"end":1351.52,"sentiment":"neutral","sentiment_score":0.1307256519794464},{"text":"Because I wanna send you through this the the these two documents and actually walk you through them.","start":1351.52,"end":1357.04,"sentiment":"neutral","sentiment_score":0.17861595046189097},{"text":"It's it's part of our compliance approach.","start":1357.04,"end":1358.795,"sentiment":"neutral","sentiment_score":0.09992390445300511}],"sentiment":"neutral","sentiment_score":0.14485372320331377,"channel":0,"num_words":29,"start":1350.16,"end":1358.795},{"sentences":[{"text":"Found out the other day, actually, off topic.","start":1358.795,"end":1360.655,"sentiment":"neutral","sentiment_score":0.005486374953761697},{"text":"The financial services, the asset management and financial planning is more regulated than the pharmaceutical industry at the moment in Australia.","start":1361.435,"end":1368.5751,"sentiment":"neutral","sentiment_score":-0.038038456635106174},{"text":"Pretty","start":1368.9551,"end":1369.275,"sentiment":"neutral","sentiment_score":0.0008779875934123993}],"sentiment":"neutral","sentiment_score":-0.02513462007045746,"channel":0,"num_words":30,"start":1358.795,"end":1369.275},{"sentences":[{"text":"Okay.","start":1369.14,"end":1369.64,"sentiment":"neutral","sentiment_score":-0.01437830924987793}],"sentiment":"neutral","sentiment_score":-0.01437830924987793,"channel":1,"num_words":1,"start":1369.14,"end":1369.64},{"sentences":[{"text":"crazy.","start":1369.275,"end":1369.775,"sentiment":"neutral","sentiment_score":-0.026868291199207302},{"text":"But, yeah, it's just I mean, fair enough.","start":1369.915,"end":1372.39,"sentiment":"neutral","sentiment_score":-0.02716114674694836},{"text":"We look after hundreds of millions of other people's money.","start":1372.39,"end":1374.87,"sentiment":"neutral","sentiment_score":-0.023401521518826483},{"text":"We need to make sure we do it correctly.","start":1374.87,"end":1376.41,"sentiment":"neutral","sentiment_score":-0.045960875848929085},{"text":"But, yeah, I will essentially wanna back to the financial services guide, I do need you to have access to actually see these documents.","start":1377.1901,"end":1384.41,"sentiment":"neutral","sentiment_score":0.060179476626217365}],"sentiment":"neutral","sentiment_score":0.01062474761588069,"channel":0,"num_words":52,"start":1369.275,"end":1384.41},{"sentences":[{"text":"So if you can, probably a last week or whatever is easier for you to receive an email.","start":1384.4701,"end":1389.005,"sentiment":"neutral","sentiment_score":0.06651611522667938},{"text":"And your best email, just to confirm, is where are where are 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nerd.","start":2055.28,"end":2061.6802,"sentiment":"neutral","sentiment_score":0.11272892034189268},{"text":"I'm really nerdy when it comes to this stuff.","start":2061.6802,"end":2063.28,"sentiment":"negative","sentiment_score":-0.3649633957280053},{"text":"So excuse all the super corny acorn corny corny analogies and things like that.","start":2063.28,"end":2069.9949,"sentiment":"neutral","sentiment_score":-0.27019758628947393},{"text":"It just kinda comes with the nerdiness.","start":2070.375,"end":2072.155,"sentiment":"neutral","sentiment_score":-0.1994458713701793},{"text":"But if you're looking at a tree, like an oak tree, oak view, you're thinking about the tree of an oak tree.","start":2072.615,"end":2078.055,"sentiment":"neutral","sentiment_score":-0.010346305863508447}],"sentiment":"neutral","sentiment_score":-0.08393432906312817,"channel":0,"num_words":74,"start":2055.28,"end":2078.055},{"sentences":[{"text":"So you start up as a seedling, no real growth plan, no strategy, no direction, just kind of a vague idea of what we discussed before, and then we move on to what what do we do next.","start":2078.055,"end":2088.92,"sentiment":"neutral","sentiment_score":-0.03503088653087616},{"text":"Alright?","start":2088.98,"end":2089.3,"sentiment":"neutral","sentiment_score":0.07249285280704498},{"text":"And that's where we move on to what we can like to call the root stage.","start":2089.3,"end":2092.52,"sentiment":"neutral","sentiment_score":0.11379472864791751},{"text":"So this is your super and insurance and also accounting taxation.","start":2092.655,"end":2096.035,"sentiment":"neutral","sentiment_score":0.1287123296748508},{"text":"We just refer you over to an accountant if you don't have one.","start":2096.175,"end":2098.815,"sentiment":"neutral","sentiment_score":0.11047110420006973}],"sentiment":"neutral","sentiment_score":0.043215124101578434,"channel":0,"num_words":79,"start":2078.055,"end":2098.815},{"sentences":[{"text":"Because once we start our financial journey together, work together moving forward, it's, yeah, it's more of a relationship, but, also, you do wanna make sure that you're you you have other professionals in their fields to be able to do the right job as well, which is accountants, lawyers, and mortgage brokers.","start":2098.815,"end":2115.69,"sentiment":"neutral","sentiment_score":0.21116832784324321},{"text":"So","start":2115.69,"end":2116.19,"sentiment":"neutral","sentiment_score":0.07441828399896622}],"sentiment":"neutral","sentiment_score":0.20863591962390476,"channel":0,"num_words":54,"start":2098.815,"end":2116.19},{"sentences":[{"text":"Yep.","start":2116.79,"end":2117.29,"sentiment":"neutral","sentiment_score":0.0960334688425064}],"sentiment":"neutral","sentiment_score":0.0960334688425064,"channel":1,"num_words":1,"start":2116.79,"end":2117.29},{"sentences":[{"text":"I'll get to that in a second, but that's the overall roots there.","start":2117.05,"end":2119.77,"sentiment":"neutral","sentiment_score":0.07482402083965448},{"text":"These things that work in the background that you don't really see every day on your day to day, like your bank accounts or shared portfolio, things like that.","start":2119.77,"end":2126.4548,"sentiment":"neutral","sentiment_score":0.06900859636993244},{"text":"It's it's in the background, but it's really important for your retirement because super as superannuation while you're working, your accumulating career is moving onwards to towards the age of 60 and preservation.","start":2126.4548,"end":2138.08,"sentiment":"neutral","sentiment_score":0.17574875666336578},{"text":"Your super is growing well for retirement, but at the same time, insurances need to be right and cover you for just the right amount, and we assess that every year to cover you for the rest of the time in case something were to happen.","start":2138.4602,"end":2149.845,"sentiment":"neutral","sentiment_score":0.12562642683801445},{"text":"Right?","start":2149.925,"end":2150.085,"sentiment":"neutral","sentiment_score":0.0397549532353878}],"sentiment":"neutral","sentiment_score":0.11960853379769404,"channel":0,"num_words":122,"start":2117.05,"end":2150.085},{"sentences":[{"text":"If you were to become TPD, you can't be a crane driver anymore.","start":2150.085,"end":2153.065,"sentiment":"neutral","sentiment_score":-0.11196921995052925},{"text":"Right?","start":2153.125,"end":2153.625,"sentiment":"neutral","sentiment_score":-0.0015949960798025131},{"text":"So that's","start":2153.925,"end":2154.325,"sentiment":"neutral","sentiment_score":-0.06353338807821274}],"sentiment":"neutral","sentiment_score":-0.09901635197456926,"channel":0,"num_words":16,"start":2150.085,"end":2154.325},{"sentences":[{"text":"Yep.","start":2154.165,"end":2154.665,"sentiment":"neutral","sentiment_score":-0.09315939992666245}],"sentiment":"neutral","sentiment_score":-0.09315939992666245,"channel":1,"num_words":1,"start":2154.165,"end":2154.665},{"sentences":[{"text":"what the insurances are for.","start":2154.325,"end":2155.525,"sentiment":"neutral","sentiment_score":-0.3133976995944977},{"text":"They're this necessary evil that you kind of have to address, but I can tell you some horror stories.","start":2155.525,"end":2160.405,"sentiment":"negative","sentiment_score":-0.4439171772254141},{"text":"They are really good to have when you need them.","start":2160.405,"end":2162.58,"sentiment":"neutral","sentiment_score":0.04842942804098129},{"text":"Yeah.","start":2164.1,"end":2164.5,"sentiment":"negative","sentiment_score":-0.3584005832672119},{"text":"Being over insured is just as bad as being underinsured.","start":2164.5,"end":2166.9202,"sentiment":"negative","sentiment_score":-0.6063544571399688}],"sentiment":"negative","sentiment_score":-0.3542014608780543,"channel":0,"num_words":45,"start":2154.325,"end":2166.9202},{"sentences":[{"text":"So you you identified you're underinsured.","start":2167.06,"end":2169.1602,"sentiment":"neutral","sentiment_score":-0.22896267473697662},{"text":"You think you need a bit more insurance.","start":2169.22,"end":2170.9202,"sentiment":"negative","sentiment_score":-0.4070439971983433},{"text":"So we can calculate","start":2170.98,"end":2172.04,"sentiment":"neutral","sentiment_score":-0.06125975027680397}],"sentiment":"neutral","sentiment_score":-0.27084261261754566,"channel":0,"num_words":18,"start":2167.06,"end":2172.04},{"sentences":[{"text":"Yep.","start":2171.7,"end":2172.2,"sentiment":"neutral","sentiment_score":-0.05645393580198288}],"sentiment":"neutral","sentiment_score":-0.05645393580198288,"channel":1,"num_words":1,"start":2171.7,"end":2172.2},{"sentences":[{"text":"the exact dollar figure that you actually need and what your life's worth.","start":2172.1,"end":2175.6401,"sentiment":"neutral","sentiment_score":-0.043545401153656155},{"text":"Small business itself.","start":2175.78,"end":2177.0,"sentiment":"neutral","sentiment_score":-0.05162201325098673}],"sentiment":"neutral","sentiment_score":-0.04505976592190564,"channel":0,"num_words":16,"start":2172.1,"end":2177.0},{"sentences":[{"text":"Yep.","start":2177.7,"end":2178.2,"sentiment":"neutral","sentiment_score":0.008720682933926582}],"sentiment":"neutral","sentiment_score":0.008720682933926582,"channel":1,"num_words":1,"start":2177.7,"end":2178.2},{"sentences":[{"text":"If you","start":2177.925,"end":2178.3252,"sentiment":"neutral","sentiment_score":-0.03456494025886059}],"sentiment":"neutral","sentiment_score":-0.03456494025886059,"channel":0,"num_words":2,"start":2177.925,"end":2178.3252},{"sentences":[{"text":"No.","start":2178.4749,"end":2178.7148,"sentiment":"neutral","sentiment_score":-0.1565476655960083},{"text":"I just","start":2178.7148,"end":2179.295,"sentiment":"neutral","sentiment_score":-0.16393926739692688}],"sentiment":"neutral","sentiment_score":-0.161475400129954,"channel":1,"num_words":3,"start":2178.4749,"end":2179.295},{"sentences":[{"text":"yeah.","start":2179.0452,"end":2179.2852,"sentiment":"neutral","sentiment_score":-0.09302408248186111},{"text":"We yeah.","start":2179.2852,"end":2180.085,"sentiment":"neutral","sentiment_score":0.06107986345887184},{"text":"We can work it out.","start":2180.085,"end":2180.885,"sentiment":"neutral","sentiment_score":0.2103850781917572},{"text":"And it's just it's just to make sure.","start":2180.885,"end":2182.3252,"sentiment":"neutral","sentiment_score":0.09622748289257288},{"text":"Because","start":2182.3252,"end":2182.5652,"sentiment":"neutral","sentiment_score":-0.04476337507367134}],"sentiment":"neutral","sentiment_score":0.1062422072624459,"channel":0,"num_words":17,"start":2179.0452,"end":2182.5652},{"sentences":[{"text":"saved","start":2182.555,"end":2182.805,"sentiment":"neutral","sentiment_score":0.00017423182725906372}],"sentiment":"neutral","sentiment_score":0.00017423182725906372,"channel":1,"num_words":1,"start":2182.555,"end":2182.805},{"sentences":[{"text":"if you","start":2182.5652,"end":2182.8052,"sentiment":"neutral","sentiment_score":-0.0489756241440773}],"sentiment":"neutral","sentiment_score":-0.0489756241440773,"channel":0,"num_words":2,"start":2182.5652,"end":2182.8052},{"sentences":[{"text":"it.","start":2182.805,"end":2183.305,"sentiment":"neutral","sentiment_score":-0.021302804350852966}],"sentiment":"neutral","sentiment_score":-0.021302804350852966,"channel":1,"num_words":1,"start":2182.805,"end":2183.305},{"sentences":[{"text":"if you over insured and you come for a million bucks and you only got a $500,000 mortgage, then you're paying all these extra premiums to a company that the best case scenario is you don't claim because nothing happens.","start":2182.8052,"end":2194.2898,"sentiment":"neutral","sentiment_score":-0.20795612912625075},{"text":"And then you don't get a refund of all your all the premiums you paid your whole life.","start":2194.43,"end":2197.7898,"sentiment":"negative","sentiment_score":-0.34421437564823365},{"text":"But if you so we try but if you're paying for extra that you don't need, it's just wasting your money.","start":2197.7898,"end":2203.3298,"sentiment":"negative","sentiment_score":-0.4979228192851657}],"sentiment":"neutral","sentiment_score":-0.31608206495831287,"channel":0,"num_words":79,"start":2182.8052,"end":2203.3298},{"sentences":[{"text":"Yeah.","start":2204.01,"end":2204.51,"sentiment":"neutral","sentiment_score":-0.2628079056739807}],"sentiment":"neutral","sentiment_score":-0.2628079056739807,"channel":1,"num_words":1,"start":2204.01,"end":2204.51},{"sentences":[{"text":"But at the same time, underinsured, all the premiums you're paying for that life and TPD inside CBAS, you for being underinsured, that's not gonna suit your needs if something were to happen.","start":2204.67,"end":2213.335,"sentiment":"negative","sentiment_score":-0.4537145283186074},{"text":"So what's the point paying for it at all?","start":2213.335,"end":2215.195,"sentiment":"neutral","sentiment_score":-0.2222076969014274}],"sentiment":"negative","sentiment_score":-0.40410592158635456,"channel":0,"num_words":42,"start":2204.67,"end":2215.195},{"sentences":[{"text":"Well, that's alright.","start":2215.2349,"end":2216.275,"sentiment":"neutral","sentiment_score":-0.26500146587689716},{"text":"So both my parents have suffered some pretty pretty bad accidents, and they were very underinsured.","start":2216.275,"end":2222.1602,"sentiment":"negative","sentiment_score":-0.42834772542119026},{"text":"So there's not much money","start":2222.3801,"end":2223.4202,"sentiment":"neutral","sentiment_score":-0.26857900619506836}],"sentiment":"negative","sentiment_score":-0.37464429313937825,"channel":1,"num_words":24,"start":2215.2349,"end":2223.4202},{"sentences":[{"text":"Yeah.","start":2223.28,"end":2223.78,"sentiment":"neutral","sentiment_score":-0.10294657945632936}],"sentiment":"neutral","sentiment_score":-0.10294657945632936,"channel":0,"num_words":1,"start":2223.28,"end":2223.78},{"sentences":[{"text":"coming out of that, unfortunately, but so","start":2223.4202,"end":2226.1702,"sentiment":"neutral","sentiment_score":-0.10683623914207731}],"sentiment":"neutral","sentiment_score":-0.10683623914207731,"channel":1,"num_words":7,"start":2223.4202,"end":2226.1702},{"sentences":[{"text":"Correct, sir.","start":2225.68,"end":2226.48,"sentiment":"neutral","sentiment_score":0.022692655213177204},{"text":"So it definitely is really important to, you know, make sure that along the journey because the more and ideally, the best outcome is being self insured, and that's not having to pay some other bloke a premium to cover your needs because you can cover them yourself.","start":2226.48,"end":2238.725,"sentiment":"neutral","sentiment_score":0.13609415269456804},{"text":"Right?","start":2239.185,"end":2239.5051,"sentiment":"neutral","sentiment_score":0.12983667850494385}],"sentiment":"neutral","sentiment_score":0.13152433957393264,"channel":0,"num_words":51,"start":2225.68,"end":2239.5051},{"sentences":[{"text":"Yep.","start":2239.215,"end":2239.715,"sentiment":"neutral","sentiment_score":0.08825081586837769}],"sentiment":"neutral","sentiment_score":0.08825081586837769,"channel":1,"num_words":1,"start":2239.215,"end":2239.715},{"sentences":[{"text":"So that's mortgage paid out and all that.","start":2239.5051,"end":2241.425,"sentiment":"neutral","sentiment_score":0.03927401825785637},{"text":"So over time, as your wealth grows, we wanna reduce that some insured insure insurance policy to make sure that you're paying as little as possible in the event that something doesn't happen, which is the best case event.","start":2241.425,"end":2252.32,"sentiment":"neutral","sentiment_score":0.07366132497405395},{"text":"Right?","start":2252.3801,"end":2252.86,"sentiment":"neutral","sentiment_score":0.09849144518375395},{"text":"And","start":2252.86,"end":2253.1,"sentiment":"neutral","sentiment_score":0.07627114653587341}],"sentiment":"neutral","sentiment_score":0.06860706962797107,"channel":0,"num_words":49,"start":2239.5051,"end":2253.1},{"sentences":[{"text":"Yep.","start":2252.9,"end":2253.4,"sentiment":"neutral","sentiment_score":0.088093601167202}],"sentiment":"neutral","sentiment_score":0.088093601167202,"channel":1,"num_words":1,"start":2252.9,"end":2253.4},{"sentences":[{"text":"try and get that down as much as possible so we can address all that.","start":2253.1,"end":2256.24,"sentiment":"neutral","sentiment_score":0.0922882691025734},{"text":"But after that, once we once we set up those foundational roots, then we move on to this the area we like to call the trunk, the foundations.","start":2256.3801,"end":2262.6401,"sentiment":"neutral","sentiment_score":0.06389933239136424},{"text":"So this needs to be really sturdy.","start":2263.045,"end":2264.565,"sentiment":"neutral","sentiment_score":-0.005645757906937173},{"text":"You need to get on top of your cash flow and budgeting.","start":2264.565,"end":2266.5051,"sentiment":"neutral","sentiment_score":0.2863596888879935},{"text":"Have you got a budget?","start":2266.565,"end":2267.625,"sentiment":"neutral","sentiment_score":0.112772336602211}],"sentiment":"neutral","sentiment_score":0.10648004459425696,"channel":0,"num_words":67,"start":2253.1,"end":2267.625},{"sentences":[{"text":"It's a very liquid budget, but yes.","start":2269.525,"end":2271.945,"sentiment":"neutral","sentiment_score":0.3084962900195803}],"sentiment":"neutral","sentiment_score":0.3084962900195803,"channel":1,"num_words":7,"start":2269.525,"end":2271.945},{"sentences":[{"text":"I can send you through, you know, a MoneySmart budget calculator.","start":2273.525,"end":2277.125,"sentiment":"positive","sentiment_score":0.416901867498051},{"text":"It's really useful tool.","start":2277.125,"end":2278.35,"sentiment":"positive","sentiment_score":0.6531328707933426},{"text":"It's essentially, like, starting to treat your money almost like a well trained dog.","start":2278.9102,"end":2283.33,"sentiment":"positive","sentiment_score":0.4258012963192804},{"text":"It sounds weird, but just hear me out.","start":2284.11,"end":2285.9502,"sentiment":"neutral","sentiment_score":-0.005216913763433695},{"text":"So, you know, if you give the dog a bone, you say, but dog, go to market, bring me a bigger bone.","start":2285.9502,"end":2291.79,"sentiment":"neutral","sentiment_score":0.08212781765244224}],"sentiment":"neutral","sentiment_score":0.2529618110570867,"channel":0,"num_words":59,"start":2273.525,"end":2291.79},{"sentences":[{"text":"That dog is loyalty.","start":2291.79,"end":2292.885,"sentiment":"neutral","sentiment_score":0.20255199074745178},{"text":"So go to the market or bring back a bigger bone and, you know, you give it a pat, give it a scratch, and say, right.","start":2292.885,"end":2297.925,"sentiment":"neutral","sentiment_score":0.11644809908018662},{"text":"Well, here's the bone again.","start":2297.925,"end":2299.285,"sentiment":"neutral","sentiment_score":0.08464450240135193},{"text":"Go out there and take bring me a bigger bone.","start":2299.285,"end":2301.365,"sentiment":"neutral","sentiment_score":0.14560355320572854},{"text":"And it'll carry on doing that.","start":2301.365,"end":2302.725,"sentiment":"neutral","sentiment_score":0.13970625524719557}],"sentiment":"neutral","sentiment_score":0.12853635518866427,"channel":0,"num_words":51,"start":2291.79,"end":2302.725},{"sentences":[{"text":"But what usually happens is more often than not, you get such a big the bone grows into such a big return that, you know, you lose kind of you lose loyalty with it with that dog that's actually the vehicle that's getting you the return of the bigger bone.","start":2302.725,"end":2315.88,"sentiment":"neutral","sentiment_score":-0.05406074162572622},{"text":"And you start keeping that bone for yourself, talking to mates, and you stop playing with the dog.","start":2315.88,"end":2319.8,"sentiment":"neutral","sentiment_score":0.021510164356893964},{"text":"And what happens is you lose that relationship with the dog or the money, and what more more often than not we see is that that dog will start taking that phone elsewhere.","start":2319.8,"end":2329.825,"sentiment":"neutral","sentiment_score":-0.3281193750374245},{"text":"Right?","start":2330.365,"end":2330.865,"sentiment":"neutral","sentiment_score":-0.012445945292711258}],"sentiment":"neutral","sentiment_score":-0.12898273965088175,"channel":0,"num_words":102,"start":2302.725,"end":2330.865},{"sentences":[{"text":"Yes.","start":2330.7551,"end":2331.03,"sentiment":"neutral","sentiment_score":0.1809837520122528}],"sentiment":"neutral","sentiment_score":0.1809837520122528,"channel":1,"num_words":1,"start":2330.7551,"end":2331.03},{"sentences":[{"text":"So really important to get on top of that cash flow and budgeting and create that relationship, that strong bond with your with your income, with your cash flow, knowing where everything's at.","start":2331.085,"end":2340.03,"sentiment":"positive","sentiment_score":0.5046509865558508},{"text":"Next up, we like to create some nondeductible debts.","start":2340.65,"end":2343.77,"sentiment":"neutral","sentiment_score":0.22559096415837607},{"text":"So family homes are good PBR like you've got now.","start":2343.77,"end":2346.17,"sentiment":"positive","sentiment_score":0.4876212924718857},{"text":"It's a really good starting point to do exactly what you're doing now.","start":2346.17,"end":2350.01,"sentiment":"positive","sentiment_score":0.6491327606714689},{"text":"You know, releasing equity so that you can get further investments like investment properties or shares, something like that down the track because in Australia, investments are amazing.","start":2350.01,"end":2361.5251,"sentiment":"positive","sentiment_score":0.40993449091911316}],"sentiment":"positive","sentiment_score":0.46749361067689876,"channel":0,"num_words":93,"start":2331.085,"end":2361.5251},{"sentences":[{"text":"In Australia, you know, we we pay some of the highest, I think we're, like, twenty fourth or twenty third highest marginal tax rate on the planet out of all 200 countries or whatever there is.","start":2361.5251,"end":2370.8599,"sentiment":"positive","sentiment_score":0.34244244835442966},{"text":"But in saying that we are number one in terms of investing and being an investment haven.","start":2371.24,"end":2376.22,"sentiment":"neutral","sentiment_score":0.2895524070105132},{"text":"And the reason for that is because we're the only country in the world where you can deduct a 100% of the investment interest that we pay.","start":2377.0798,"end":2383.66,"sentiment":"neutral","sentiment_score":0.15728961290032775},{"text":"And where else does that?","start":2384.375,"end":2385.675,"sentiment":"neutral","sentiment_score":0.05914951041340828},{"text":"And being a tax paying such high taxes, you wanna be able to deduct those kind of those types of taxes, right, being the highest.","start":2386.855,"end":2395.835,"sentiment":"neutral","sentiment_score":0.05015420287847519}],"sentiment":"neutral","sentiment_score":0.20951582938432695,"channel":0,"num_words":110,"start":2361.5251,"end":2395.835},{"sentences":[{"text":"So it's it's such a haven that we've literally had to put a cap on international investment from China because they were just buying up land, not caring if, you know, sky rises and things, not caring if if you'd probably know about all this in your line of work.","start":2396.3,"end":2411.1152,"sentiment":"neutral","sentiment_score":0.1637308806180954},{"text":"But, yeah, they only 50% international investment can go towards a new build of a of a commercial sky rise or residential sky rise because,","start":2411.1152,"end":2420.96,"sentiment":"neutral","sentiment_score":0.19548635333776473}],"sentiment":"neutral","sentiment_score":0.17431603819131852,"channel":0,"num_words":75,"start":2396.3,"end":2420.96},{"sentences":[{"text":"Okay.","start":2420.8,"end":2421.3,"sentiment":"neutral","sentiment_score":0.12843573093414307}],"sentiment":"neutral","sentiment_score":0.12843573093414307,"channel":1,"num_words":1,"start":2420.8,"end":2421.3},{"sentences":[{"text":"you know, yeah, there's lots of money flowing in internationally because they only rent land for ninety nine years.","start":2421.42,"end":2425.82,"sentiment":"neutral","sentiment_score":0.08121740131785996},{"text":"Why would you do that when you got that kind of money to buy buy skyscrapers and, you know, hold the land forever with an appreciating or some of the best appreciating property values on earth.","start":2425.82,"end":2437.105,"sentiment":"neutral","sentiment_score":0.12474732597668965},{"text":"So we've had to limit that to only a 50% international.","start":2437.485,"end":2440.205,"sentiment":"neutral","sentiment_score":-0.0024968050420284267},{"text":"The rest has to be domestic.","start":2440.205,"end":2441.5051,"sentiment":"neutral","sentiment_score":-0.023410376782218616},{"text":"So property's a really good place to start, but if it's your primary place of residence, as you know, if you can't deduct the interest on your payments.","start":2441.645,"end":2448.785,"sentiment":"neutral","sentiment_score":0.20925950312188693}],"sentiment":"neutral","sentiment_score":0.11725373331457377,"channel":0,"num_words":100,"start":2421.42,"end":2448.785},{"sentences":[{"text":"So what we wanna do is create that relationship, get the family home or private place residence, pay off to a point where you can leverage to get an another investment, and then just build from there and use OPM.","start":2449.6702,"end":2462.6501,"sentiment":"positive","sentiment_score":0.4087754301726818},{"text":"You know, the concept of other people's money, OPM?","start":2462.7102,"end":2465.175,"sentiment":"neutral","sentiment_score":0.16452342685725954},{"text":"Or","start":2465.2349,"end":2465.7349,"sentiment":"neutral","sentiment_score":0.09425453841686247}],"sentiment":"positive","sentiment_score":0.3585196517407894,"channel":0,"num_words":50,"start":2449.6702,"end":2465.7349},{"sentences":[{"text":"Yep.","start":2465.82,"end":2466.2202,"sentiment":"neutral","sentiment_score":0.12793445587158203},{"text":"Yep.","start":2466.2202,"end":2466.7202,"sentiment":"neutral","sentiment_score":0.19427156448364255}],"sentiment":"neutral","sentiment_score":0.1611030101776123,"channel":1,"num_words":2,"start":2465.82,"end":2466.7202},{"sentences":[{"text":"yeah.","start":2467.155,"end":2467.555,"sentiment":"neutral","sentiment_score":0.22860397398471832},{"text":"So I'll just do yeah.","start":2467.555,"end":2469.635,"sentiment":"neutral","sentiment_score":0.1974489778280258},{"text":"I'll I'll give a brief description, and let me know if it kind if if it makes sense.","start":2469.635,"end":2473.4749,"sentiment":"neutral","sentiment_score":0.16782495338055822},{"text":"But if you got, say, $10, right, $10,000, you invested in anything, shares, property, whatever it might be, the the the pen and the pad that you're looking at, that goes up by 10% in a year.","start":2473.4749,"end":2484.75,"sentiment":"positive","sentiment_score":0.4127910169395241},{"text":"You've made a thousand dollars.","start":2484.75,"end":2486.1301,"sentiment":"positive","sentiment_score":0.6890856504440308}],"sentiment":"positive","sentiment_score":0.3478089985296582,"channel":0,"num_words":66,"start":2467.155,"end":2486.1301},{"sentences":[{"text":"Right?","start":2486.27,"end":2486.77,"sentiment":"positive","sentiment_score":0.4730415344238281},{"text":"Congratulations.","start":2486.83,"end":2487.33,"sentiment":"neutral","sentiment_score":0.06597483903169632},{"text":"But if you take the same $10,000 and you put it to you go to an investment bank or just any normal bank, JPMorgan Chase, something like that, you go, hey.","start":2488.1902,"end":2497.835,"sentiment":"neutral","sentiment_score":0.04749137667878982},{"text":"I wanna borrow $90,000 to make my total value of my portfolio a 100.","start":2497.835,"end":2502.8948,"sentiment":"neutral","sentiment_score":0.08407444001308509},{"text":"They go, yep.","start":2502.9548,"end":2503.595,"sentiment":"neutral","sentiment_score":0.04023607820272446}],"sentiment":"neutral","sentiment_score":0.06617998890578747,"channel":0,"num_words":50,"start":2486.27,"end":2503.595},{"sentences":[{"text":"Not a problem.","start":2503.595,"end":2504.1548,"sentiment":"neutral","sentiment_score":0.19509988526503244},{"text":"We'll give you $90, but you gotta pay us 5% interest just for number six per annum right on that facility.","start":2504.1548,"end":2509.98,"sentiment":"neutral","sentiment_score":0.08916533099753517},{"text":"So that's what?","start":2510.44,"end":2511.4,"sentiment":"neutral","sentiment_score":0.08391591409842174},{"text":"5% of 9 $90 is 45,000 4,500 a year.","start":2511.4,"end":2516.6199,"sentiment":"neutral","sentiment_score":0.07928438319100274},{"text":"So you go, not a problem.","start":2516.8398,"end":2518.2,"sentiment":"neutral","sentiment_score":0.2595839649438858}],"sentiment":"neutral","sentiment_score":0.11858529970049858,"channel":0,"num_words":42,"start":2503.595,"end":2518.2},{"sentences":[{"text":"Sign the paperwork.","start":2518.2,"end":2519.0,"sentiment":"neutral","sentiment_score":0.1930870066086451},{"text":"But now you've got your initial 10,000 plus another 90,000 of OPM, other people's money.","start":2519.0,"end":2524.035,"sentiment":"neutral","sentiment_score":0.3045400490363439},{"text":"And then you say take out that a $100 as a total, put it in the exact same investment that makes the exact same 10% in that exact same year.","start":2524.035,"end":2532.055,"sentiment":"neutral","sentiment_score":0.2796875427166621},{"text":"Now you've got $10,000, but you gotta pay OPM back.","start":2532.115,"end":2535.51,"sentiment":"neutral","sentiment_score":0.19736516177654267},{"text":"So you pay him back for 4,500.","start":2535.51,"end":2537.59,"sentiment":"neutral","sentiment_score":0.22067167929240636}],"sentiment":"neutral","sentiment_score":0.262405252456665,"channel":0,"num_words":65,"start":2518.2,"end":2537.59},{"sentences":[{"text":"What you're left with is $5,500 on the exact same $10,000 outlay.","start":2537.59,"end":2543.43,"sentiment":"positive","sentiment_score":0.35611064235369366},{"text":"So that's a 55% return in a year compared to 10 for","start":2543.43,"end":2547.27,"sentiment":"positive","sentiment_score":0.40931694582104683}],"sentiment":"positive","sentiment_score":0.3827137940873702,"channel":0,"num_words":24,"start":2537.59,"end":2547.27},{"sentences":[{"text":"Yep.","start":2547.24,"end":2547.74,"sentiment":"neutral","sentiment_score":0.15857937932014465}],"sentiment":"neutral","sentiment_score":0.15857937932014465,"channel":1,"num_words":1,"start":2547.24,"end":2547.74},{"sentences":[{"text":"the same vehicle.","start":2547.27,"end":2548.17,"sentiment":"neutral","sentiment_score":0.11810270448525746},{"text":"You know what I mean?","start":2548.31,"end":2549.205,"sentiment":"neutral","sentiment_score":0.0915431872010231},{"text":"So that's that's not only that.","start":2549.205,"end":2550.885,"sentiment":"neutral","sentiment_score":0.16408357893427214},{"text":"That's the gear that's the gearing side of things, but all the interest, that 5%, you can deduct a 100% of it.","start":2550.885,"end":2557.8452,"sentiment":"neutral","sentiment_score":0.17344786328348247},{"text":"If it's an interest only loan, you can deduct a 100% on your repayment in Australia, which is incredible.","start":2557.8452,"end":2563.33,"sentiment":"neutral","sentiment_score":0.3286878568561454}],"sentiment":"neutral","sentiment_score":0.21558995991945268,"channel":0,"num_words":55,"start":2547.27,"end":2563.33},{"sentences":[{"text":"Alright?","start":2564.27,"end":2564.77,"sentiment":"neutral","sentiment_score":0.2943893074989319}],"sentiment":"neutral","sentiment_score":0.2943893074989319,"channel":0,"num_words":1,"start":2564.27,"end":2564.77},{"sentences":[{"text":"Yep.","start":2564.615,"end":2565.115,"sentiment":"neutral","sentiment_score":0.23509447276592255}],"sentiment":"neutral","sentiment_score":0.23509447276592255,"channel":1,"num_words":1,"start":2564.615,"end":2565.115},{"sentences":[{"text":"So that's what we're trying to work towards.","start":2564.99,"end":2566.75,"sentiment":"neutral","sentiment_score":0.18577321991324425},{"text":"But overall, in that trunk stage, we move on to getting rid of any bad debt, credit cards, anything like that.","start":2566.75,"end":2571.8901,"sentiment":"neutral","sentiment_score":-0.03701631902229218},{"text":"You know, Zip pays.","start":2572.43,"end":2573.31,"sentiment":"neutral","sentiment_score":0.01302029937505722},{"text":"If there's no interest, it's still bad debt because you got debts.","start":2573.31,"end":2577.395,"sentiment":"neutral","sentiment_score":-0.26937516406178474},{"text":"Bad debts is essentially debt that you can't deduct.","start":2577.395,"end":2579.955,"sentiment":"neutral","sentiment_score":-0.29985715448856354}],"sentiment":"neutral","sentiment_score":-0.09574615003334151,"channel":0,"num_words":54,"start":2564.99,"end":2579.955},{"sentences":[{"text":"So a primary place of residence is bad debt, to be fair.","start":2579.955,"end":2583.0151,"sentiment":"neutral","sentiment_score":-0.07828148547559977}],"sentiment":"neutral","sentiment_score":-0.07828148547559977,"channel":0,"num_words":12,"start":2579.955,"end":2583.0151},{"sentences":[{"text":"Yeah.","start":2582.645,"end":2583.145,"sentiment":"neutral","sentiment_score":0.04882102087140083}],"sentiment":"neutral","sentiment_score":0.04882102087140083,"channel":1,"num_words":1,"start":2582.645,"end":2583.145},{"sentences":[{"text":"And then estate planning.","start":2583.795,"end":2584.915,"sentiment":"neutral","sentiment_score":0.06289698928594589},{"text":"So lawyers, wills, power of attorney, stuff like that.","start":2584.915,"end":2587.44,"sentiment":"neutral","sentiment_score":0.10269395013650258},{"text":"So once we got those set up, then we start really accelerating that kind of stages where where the the overall process gets kinda sexy.","start":2587.52,"end":2595.7,"sentiment":"neutral","sentiment_score":0.2541921278834343},{"text":"I've seen those clients reach the stage within about five years after getting a private place of residence.","start":2596.0798,"end":2601.725,"sentiment":"positive","sentiment_score":0.3931662340958913},{"text":"So you're already you're in you're already kind of in the trunk stage.","start":2601.725,"end":2604.6052,"sentiment":"positive","sentiment_score":0.3901938543869899}],"sentiment":"neutral","sentiment_score":0.2852195511045663,"channel":0,"num_words":69,"start":2583.795,"end":2604.6052},{"sentences":[{"text":"We just need to tidy up a few steps along the way.","start":2604.6052,"end":2607.185,"sentiment":"neutral","sentiment_score":0.25101880729198456},{"text":"So the next step would be looking at that branching out region where you really start accelerating borrowing money against equity so that you can build a portfolio that's all working harder for you.","start":2607.725,"end":2618.49,"sentiment":"neutral","sentiment_score":0.2885174768812516},{"text":"So that not only your share portfolio that you're building up, but let's say a property or commercials, property or factories, you know, you can you can really start generating some good income from that where you can maybe go part time or work as a great driver.","start":2618.8699,"end":2632.175,"sentiment":"positive","sentiment_score":0.5376473385840654},{"text":"And then, eventually, all the income that you're receiving from that, you will you'll be able to sustain yourself and your family off.","start":2632.175,"end":2639.615,"sentiment":"positive","sentiment_score":0.6813334174778151},{"text":"So what's the point of working anymore?","start":2639.615,"end":2641.3152,"sentiment":"neutral","sentiment_score":-0.0010078525436776026}],"sentiment":"positive","sentiment_score":0.437842788610367,"channel":0,"num_words":124,"start":2604.6052,"end":2641.3152},{"sentences":[{"text":"Yep.","start":2642.165,"end":2642.665,"sentiment":"neutral","sentiment_score":0.11759452521800996}],"sentiment":"neutral","sentiment_score":0.11759452521800996,"channel":1,"num_words":1,"start":2642.165,"end":2642.665},{"sentences":[{"text":"Alright.","start":2643.4001,"end":2643.9001,"sentiment":"neutral","sentiment_score":0.2209674566984177},{"text":"And then then the next kind of stage is the blooming stage.","start":2643.96,"end":2647.0,"sentiment":"neutral","sentiment_score":0.23473323633273444},{"text":"So you got all the branches out and you start blooming.","start":2647.0,"end":2649.34,"sentiment":"neutral","sentiment_score":0.32523575154217804},{"text":"All flowers open up, this is when you start retiring.","start":2649.56,"end":2652.12,"sentiment":"positive","sentiment_score":0.339012947678566},{"text":"When you stop when you start winding down from work, you've got enough to facilitate your lifestyle from income.","start":2652.12,"end":2657.295,"sentiment":"positive","sentiment_score":0.38382748239918757}],"sentiment":"neutral","sentiment_score":0.32638134343444175,"channel":0,"num_words":53,"start":2643.4001,"end":2657.295},{"sentences":[{"text":"This is where we get really sexy in our in our line of work where we try and and one of my favorite parts is we when you sell assets and when you start retiring, you gotta kinda wind everything up.","start":2657.775,"end":2668.9949,"sentiment":"positive","sentiment_score":0.42572206658561057},{"text":"What happens is you sell it, you gotta pay tax.","start":2669.055,"end":2671.2,"sentiment":"neutral","sentiment_score":0.12921182438731194},{"text":"You gotta pay capital gains tax, and that's nowhere near as beneficial if it passes at 30% instead of 50% capital gains tax discount.","start":2671.2,"end":2678.02,"sentiment":"neutral","sentiment_score":-0.007009200033886979},{"text":"Right?","start":2678.0798,"end":2678.5798,"sentiment":"neutral","sentiment_score":0.14027103781700134},{"text":"So we work our ways to try and mitigate that liability as much as humanly possible with TTR strategies to the transition to retirement strategies, trust structures, self managed super funds that are in there as well.","start":2678.8,"end":2690.9548,"sentiment":"neutral","sentiment_score":0.25165241856027293}],"sentiment":"neutral","sentiment_score":0.24805232475767225,"channel":0,"num_words":113,"start":2657.775,"end":2690.9548},{"sentences":[{"text":"Any sort of Social Security strategies, if you can be in a position to utilize government pensions and things or Social Security benefits, they do it because it's the same tax dollar bills that you're paying for it in the first place.","start":2691.255,"end":2705.13,"sentiment":"positive","sentiment_score":0.34330789780332926},{"text":"So I highly recommend try to get as much as we can out of that as possible.","start":2705.27,"end":2709.05,"sentiment":"positive","sentiment_score":0.6215087964254267},{"text":"And then after you've done all that that whole process, you get to the the seeding stage.","start":2709.19,"end":2713.45,"sentiment":"neutral","sentiment_score":0.2356027664945406},{"text":"And I like to think of financial freedom as or the your financial journey as a whole through your life as a circle because you've got the kids as well.","start":2713.625,"end":2722.505,"sentiment":"positive","sentiment_score":0.6636745671431223},{"text":"Right?","start":2722.505,"end":2722.905,"sentiment":"positive","sentiment_score":0.4887574017047882}],"sentiment":"positive","sentiment_score":0.4615777821811003,"channel":0,"num_words":107,"start":2691.255,"end":2722.905},{"sentences":[{"text":"So when you get to that stage, you can reap the rewards of all your hard work, drop that seed down, and then your kids are essentially starting at the seeding stage again.","start":2722.905,"end":2731.42,"sentiment":"positive","sentiment_score":0.7388284603754679},{"text":"And it's you know, they essentially have to brave the weathers and the storms and the floods and the rains and whatever else.","start":2732.44,"end":2738.28,"sentiment":"positive","sentiment_score":0.4564123464667279},{"text":"But if there's a big canopy of a, you know, strong foundation over them, then it's gonna make it a lot easier in their lives to grow.","start":2738.28,"end":2746.165,"sentiment":"positive","sentiment_score":0.658323449117166},{"text":"Right?","start":2746.225,"end":2746.725,"sentiment":"neutral","sentiment_score":0.26549747586250305}],"sentiment":"positive","sentiment_score":0.6299887352756092,"channel":0,"num_words":84,"start":2722.905,"end":2746.725},{"sentences":[{"text":"Yeah.","start":2748.18,"end":2748.585,"sentiment":"neutral","sentiment_score":0.3104831874370575}],"sentiment":"neutral","sentiment_score":0.3104831874370575,"channel":1,"num_words":1,"start":2748.18,"end":2748.585},{"sentences":[{"text":"Does that make sense?","start":2749.2651,"end":2750.3252,"sentiment":"neutral","sentiment_score":0.2283588983118534}],"sentiment":"neutral","sentiment_score":0.2283588983118534,"channel":0,"num_words":4,"start":2749.2651,"end":2750.3252},{"sentences":[{"text":"Yeah.","start":2750.425,"end":2750.7449,"sentiment":"neutral","sentiment_score":0.32869547605514526},{"text":"It does make sense.","start":2750.7449,"end":2751.805,"sentiment":"positive","sentiment_score":0.3793843314051628}],"sentiment":"positive","sentiment_score":0.3692465603351593,"channel":1,"num_words":5,"start":2750.425,"end":2751.805},{"sentences":[{"text":"Or beautiful.","start":2751.985,"end":2752.885,"sentiment":"positive","sentiment_score":0.5504270493984222},{"text":"So we're looking at this roots and trunk stage, looking at your goals and objectives.","start":2752.945,"end":2756.885,"sentiment":"neutral","sentiment_score":0.265943984190623},{"text":"There's different fees for different strategies because different strategies mean more work.","start":2757.15,"end":2761.3098,"sentiment":"neutral","sentiment_score":0.09414305662115414},{"text":"Right?","start":2761.3098,"end":2761.8098,"sentiment":"neutral","sentiment_score":0.08788175135850906},{"text":"So this this consultation is completely free, but I'll get to I'll get to the fees in a second.","start":2761.95,"end":2766.8298,"sentiment":"neutral","sentiment_score":0.12454183497711231}],"sentiment":"neutral","sentiment_score":0.17701851340885066,"channel":0,"num_words":49,"start":2751.985,"end":2766.8298},{"sentences":[{"text":"If you go skip down a little bit, you gotta meet our experienced team.","start":2766.8298,"end":2770.125,"sentiment":"neutral","sentiment_score":0.10856985779745239},{"text":"That's just a breakdown of how we started, what I told you in the beginning of this conversation.","start":2770.605,"end":2774.465,"sentiment":"neutral","sentiment_score":0.18216167390346527},{"text":"If you wanna put a pace to the name, I've got a lot more city miles on me than that.","start":2774.765,"end":2778.625,"sentiment":"neutral","sentiment_score":0.13282546326518058},{"text":"It's just very airbrushed.","start":2779.325,"end":2780.625,"sentiment":"neutral","sentiment_score":0.19787346944212914},{"text":"It can do magic.","start":2780.765,"end":2781.745,"sentiment":"neutral","sentiment_score":0.30010154098272324}],"sentiment":"neutral","sentiment_score":0.15745495744049548,"channel":0,"num_words":60,"start":2766.8298,"end":2781.745},{"sentences":[{"text":"But, yeah, that's my that's me, Severiano Zato.","start":2781.965,"end":2784.925,"sentiment":"neutral","sentiment_score":0.17620187439024448},{"text":"Severi is a lot easier.","start":2784.925,"end":2786.065,"sentiment":"positive","sentiment_score":0.37421263456344606},{"text":"That's my titles and all the licenses and degrees and whatever else.","start":2786.58,"end":2790.12,"sentiment":"neutral","sentiment_score":0.22709359228610992},{"text":"I spent way too much money doing.","start":2790.1802,"end":2792.12,"sentiment":"neutral","sentiment_score":0.034800310752221515},{"text":"But to put me in, fortunately, a position in, there's a little blurb about how amazing we are for each of us.","start":2793.3,"end":2798.58,"sentiment":"positive","sentiment_score":0.45965471592816437}],"sentiment":"neutral","sentiment_score":0.30299642964921614,"channel":0,"num_words":54,"start":2781.965,"end":2798.58},{"sentences":[{"text":"Feel free to read that in your own time.","start":2798.58,"end":2800.1802,"sentiment":"neutral","sentiment_score":0.21860488090250227},{"text":"My business partner, Bart, he does already practice.","start":2800.1802,"end":2803.085,"sentiment":"neutral","sentiment_score":0.25455751456320286},{"text":"He worked from the background and does a lot of the stuff that I hate, like the accounts and whatever else.","start":2803.545,"end":2808.505,"sentiment":"neutral","sentiment_score":0.1568625509029343},{"text":"So we work well together.","start":2808.505,"end":2809.805,"sentiment":"positive","sentiment_score":0.38283251523971557},{"text":"And then there's a whole team behind 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up.","start":2824.7898,"end":2838.575,"sentiment":"neutral","sentiment_score":0.13626051970102168},{"text":"I'm more than welcome to give us a call at any time.","start":2838.575,"end":2840.64,"sentiment":"neutral","sentiment_score":0.30328615258137387},{"text":"But if I'm not available and it's important, there will always be someone there to help you out.","start":2840.72,"end":2844.98,"sentiment":"neutral","sentiment_score":0.06276214036107478}],"sentiment":"neutral","sentiment_score":0.13948775960579213,"channel":0,"num_words":123,"start":2812.025,"end":2844.98},{"sentences":[{"text":"Yep.","start":2845.4849,"end":2845.9648,"sentiment":"neutral","sentiment_score":0.1114523634314537}],"sentiment":"neutral","sentiment_score":0.1114523634314537,"channel":1,"num_words":1,"start":2845.4849,"end":2845.9648},{"sentences":[{"text":"K?","start":2845.5999,"end":2846.0999,"sentiment":"neutral","sentiment_score":0.18548160791397095}],"sentiment":"neutral","sentiment_score":0.18548160791397095,"channel":0,"num_words":1,"start":2845.5999,"end":2846.0999},{"sentences":[{"text":"Awesome.","start":2845.9648,"end":2846.4648,"sentiment":"positive","sentiment_score":0.6715083122253418}],"sentiment":"positive","sentiment_score":0.6715083122253418,"channel":1,"num_words":1,"start":2845.9648,"end":2846.4648},{"sentences":[{"text":"Beautiful.","start":2847.44,"end":2847.94,"sentiment":"positive","sentiment_score":0.6758891344070435},{"text":"The next is mostly compliance.","start":2848.64,"end":2850.4,"sentiment":"neutral","sentiment_score":0.276148122549057},{"text":"They're compliant with the telephone call regulatory guides.","start":2850.4,"end":2853.1199,"sentiment":"neutral","sentiment_score":0.19946071691811085},{"text":"We've we're we're legislated.","start":2853.1199,"end":2854.74,"sentiment":"neutral","sentiment_score":0.1195408534258604},{"text":"We run our own Australian financial services license, the same license to that of the large insurance companies and big banks.","start":2855.0398,"end":2861.675,"sentiment":"neutral","sentiment_score":0.0997764640265987}],"sentiment":"neutral","sentiment_score":0.15963550360921103,"channel":0,"num_words":39,"start":2847.44,"end":2861.675},{"sentences":[{"text":"Usually, when you've got a financial firm like ours, like, a little bit more boutique, usually, what happens is we work underneath an AFSL like, CommBank or Westpac or something.","start":2861.975,"end":2872.01,"sentiment":"neutral","sentiment_score":0.06211114954203367},{"text":"But part of the vision of being the most trusted financial planning firm in Australia is that I should be able to give my clients a recommendation of whatever products in their best interest.","start":2872.01,"end":2882.205,"sentiment":"neutral","sentiment_score":0.2815403804621276},{"text":"Right?","start":2882.685,"end":2883.185,"sentiment":"neutral","sentiment_score":0.09777164459228516},{"text":"That's kind of how it works.","start":2883.885,"end":2885.405,"sentiment":"neutral","sentiment_score":0.09798266862829526},{"text":"But if I'm licensed on the CommBank, I'm sure they wouldn't be very happy about me recommending a BT product, which is a Westpac product.","start":2885.405,"end":2892.465,"sentiment":"neutral","sentiment_score":-0.19596996068954467}],"sentiment":"neutral","sentiment_score":0.07523047980309154,"channel":0,"num_words":96,"start":2861.975,"end":2892.465},{"sentences":[{"text":"Right?","start":2893.085,"end":2893.485,"sentiment":"neutral","sentiment_score":-0.014011304825544356}],"sentiment":"neutral","sentiment_score":-0.014011304825544356,"channel":0,"num_words":1,"start":2893.085,"end":2893.485},{"sentences":[{"text":"Right.","start":2893.2449,"end":2893.7449,"sentiment":"neutral","sentiment_score":-0.004914339631795883}],"sentiment":"neutral","sentiment_score":-0.004914339631795883,"channel":1,"num_words":1,"start":2893.2449,"end":2893.7449},{"sentences":[{"text":"So so it's not really when you license on those bigger banks, it's I've been in the industry for a while.","start":2893.485,"end":2899.34,"sentiment":"neutral","sentiment_score":-0.0174214317951174},{"text":"You you notice that 99.99999% of the time, advisers that work in banks are all licensed under the an AF certain AFSL.","start":2899.34,"end":2908.8,"sentiment":"neutral","sentiment_score":0.012949261645024473},{"text":"They are more than more than likely, almost every time, recommending their principal AFSL's products because they get commission and kickbacks and KPIs.","start":2909.2852,"end":2918.0251,"sentiment":"neutral","sentiment_score":0.05890185466927031},{"text":"We didn't want that because we wanted to be able to recommend any product on the on the planet.","start":2918.485,"end":2922.665,"sentiment":"neutral","sentiment_score":0.13419380205634393},{"text":"And we applied for our own ASL.","start":2923.7798,"end":2925.38,"sentiment":"neutral","sentiment_score":0.13392980609621322}],"sentiment":"neutral","sentiment_score":0.051749643778590405,"channel":0,"num_words":92,"start":2893.485,"end":2925.38},{"sentences":[{"text":"I think about my the second second youngest firm to get approved of actually going through the asset routes and getting getting your ASL from starting from scratch.","start":2925.38,"end":2936.1199,"sentiment":"neutral","sentiment_score":0.21394395881465503},{"text":"Right?","start":2936.7449,"end":2936.9048,"sentiment":"neutral","sentiment_score":0.24591460824012756},{"text":"Which was pretty pretty good achievement based on experience and whatever else.","start":2936.9048,"end":2940.9849,"sentiment":"positive","sentiment_score":0.4620816335082054},{"text":"But that's a little bit of a breakdown on what the we what our license is and that's that AFSL.","start":2940.9849,"end":2947.2449,"sentiment":"neutral","sentiment_score":0.0057107402943074705},{"text":"But within that, we are regulated under the Corporations Act, ASIC, APRA, absolutely everybody under the sun to make sure that we can't run away with your money or wander us or anything like that.","start":2948.36,"end":2959.26,"sentiment":"neutral","sentiment_score":0.03110837893826621}],"sentiment":"neutral","sentiment_score":0.13525347006119168,"channel":0,"num_words":96,"start":2925.38,"end":2959.26},{"sentences":[{"text":"Okay?","start":2959.32,"end":2959.82,"sentiment":"neutral","sentiment_score":0.025651421397924423}],"sentiment":"neutral","sentiment_score":0.025651421397924423,"channel":0,"num_words":1,"start":2959.32,"end":2959.82},{"sentences":[{"text":"Yeah.","start":2959.75,"end":2960.25,"sentiment":"neutral","sentiment_score":0.03780459985136986}],"sentiment":"neutral","sentiment_score":0.03780459985136986,"channel":1,"num_words":1,"start":2959.75,"end":2960.25},{"sentences":[{"text":"And then how to connect with us is a little bit more about our information of compliance manager.","start":2960.945,"end":2965.825,"sentiment":"neutral","sentiment_score":0.11547681006292503},{"text":"That's essentially myself and Bart.","start":2965.825,"end":2967.605,"sentiment":"neutral","sentiment_score":0.1838067203760147},{"text":"There's our advice team and nice little picture.","start":2967.665,"end":2969.825,"sentiment":"neutral","sentiment_score":0.28169931657612324},{"text":"And the next kind of little bit is what I call OVA.","start":2969.825,"end":2973.825,"sentiment":"neutral","sentiment_score":0.19501841192444166},{"text":"Just this idea came up with where it's a proud collaboration of expertise.","start":2973.825,"end":2978.86,"sentiment":"positive","sentiment_score":0.34051276399539065}],"sentiment":"neutral","sentiment_score":0.21460888554741228,"channel":0,"num_words":56,"start":2960.945,"end":2978.86},{"sentences":[{"text":"So even though I've got all the qualifications to be able to be an accountant, had all the education and know how it works, I'm not registered with the tax practitioners board because of that.","start":2979.08,"end":2989.0,"sentiment":"neutral","sentiment_score":-0.020526340710265295},{"text":"I couldn't think of anything more boring or worse than being an accountant.","start":2989.0,"end":2991.9001,"sentiment":"neutral","sentiment_score":-0.1903965765467057}],"sentiment":"neutral","sentiment_score":-0.0665328629159679,"channel":0,"num_words":48,"start":2979.08,"end":2991.9001},{"sentences":[{"text":"Yeah.","start":2992.8398,"end":2993.205,"sentiment":"neutral","sentiment_score":-0.06145431101322174}],"sentiment":"neutral","sentiment_score":-0.06145431101322174,"channel":1,"num_words":1,"start":2992.8398,"end":2993.205},{"sentences":[{"text":"Right?","start":2992.905,"end":2993.225,"sentiment":"neutral","sentiment_score":-0.05775716155767441},{"text":"So so that for that reason, I'm not an accountant.","start":2993.225,"end":2996.205,"sentiment":"neutral","sentiment_score":-0.1922071173787117},{"text":"And I could and I don't submit past tax returns.","start":2996.345,"end":2999.085,"sentiment":"neutral","sentiment_score":-0.24166660457849504},{"text":"So I leave that up to accountants to do.","start":3000.345,"end":3002.425,"sentiment":"neutral","sentiment_score":-0.1766446961296929},{"text":"So and there's nothing worse than referring an existing client that you've done the strategy for and built a relationship with like yourself, let's say.","start":3002.425,"end":3010.04,"sentiment":"neutral","sentiment_score":-0.13928945362567902}],"sentiment":"neutral","sentiment_score":-0.17215514521707187,"channel":0,"num_words":55,"start":2992.905,"end":3010.04},{"sentences":[{"text":"And I you say, look.","start":3010.26,"end":3011.38,"sentiment":"neutral","sentiment_score":-0.17888066470623015},{"text":"I don't like my accountant.","start":3011.38,"end":3012.5,"sentiment":"negative","sentiment_score":-0.39423165917396547},{"text":"They haven't helped me out at all.","start":3012.5,"end":3014.5,"sentiment":"negative","sentiment_score":-0.4317581057548523},{"text":"So I'm gonna pass this over.","start":3014.5,"end":3016.2,"sentiment":"neutral","sentiment_score":-0.24388495087623596},{"text":"I'm gonna pass this over to, you know, I'll pass this over to such and such Joe Soap to look after your account where accounting works, and then he drops the ball and completely stuffs it up.","start":3016.8198,"end":3028.975,"sentiment":"neutral","sentiment_score":-0.11742232901019019}],"sentiment":"neutral","sentiment_score":-0.1949300706386566,"channel":0,"num_words":60,"start":3010.26,"end":3028.975},{"sentences":[{"text":"Right?","start":3028.975,"end":3029.475,"sentiment":"neutral","sentiment_score":-0.12614168226718905},{"text":"Then it just looks bad on me, and you probably it leaves kind of a sour taste in your mouth with somebody that's actually doing the right thing because of that referral.","start":3030.0952,"end":3039.32,"sentiment":"negative","sentiment_score":-0.517242525704205},{"text":"So I like to work with people that I know are fairly diligent and good at paid jobs like we are, And those are those firms, the QCA is an accounting firm that we're partnered with.","start":3039.4602,"end":3050.0552,"sentiment":"neutral","sentiment_score":0.22958114763928783},{"text":"Gold Coast Wealth is Brooke Jurasic.","start":3050.0552,"end":3051.915,"sentiment":"neutral","sentiment_score":0.24614873776833215},{"text":"She's a really well known mortgage broker.","start":3052.0552,"end":3055.2751,"sentiment":"positive","sentiment_score":0.3547960264342172}],"sentiment":"neutral","sentiment_score":-0.05429898266021798,"channel":0,"num_words":82,"start":3028.975,"end":3055.2751},{"sentences":[{"text":"She's she's amazing at what she does.","start":3055.3352,"end":3056.8552,"sentiment":"positive","sentiment_score":0.6417406712259565},{"text":"She can she can get a loan made out of anything.","start":3056.8552,"end":3059.0352,"sentiment":"positive","sentiment_score":0.37552430683916266},{"text":"And as far as I'm concerned, FIO is more like commercial lending and more specialized kind of services for lending money.","start":3059.3499,"end":3067.05,"sentiment":"neutral","sentiment_score":0.04541070564162163},{"text":"And then Kate Taylor Associates is accounting and law, and then Gold Coast accounting is in that group as well.","start":3067.1099,"end":3072.7551,"sentiment":"neutral","sentiment_score":0.12397293150424957},{"text":"We don't get any kickback for anything.","start":3072.7551,"end":3074.5151,"sentiment":"neutral","sentiment_score":0.11837732259716306}],"sentiment":"neutral","sentiment_score":0.1952223754629041,"channel":0,"num_words":66,"start":3055.3352,"end":3074.5151},{"sentences":[{"text":"No referral fees.","start":3074.5151,"end":3075.5552,"sentiment":"neutral","sentiment_score":0.12644348541895548},{"text":"It's just I just like the way they work, and they like the way we work so that we join together.","start":3075.5552,"end":3080.0352,"sentiment":"positive","sentiment_score":0.5686263016292027},{"text":"So you've always got services that we can refer you over to.","start":3080.0352,"end":3083.0752,"sentiment":"positive","sentiment_score":0.4185299426317215},{"text":"That makes sense.","start":3083.0752,"end":3084.0552,"sentiment":"neutral","sentiment_score":0.31129008531570435}],"sentiment":"positive","sentiment_score":0.4686336502050742,"channel":0,"num_words":39,"start":3074.5151,"end":3084.0552},{"sentences":[{"text":"Yes.","start":3084.675,"end":3084.9,"sentiment":"positive","sentiment_score":0.45354974269866943}],"sentiment":"positive","sentiment_score":0.45354974269866943,"channel":1,"num_words":1,"start":3084.675,"end":3084.9},{"sentences":[{"text":"Beautiful.","start":3085.99,"end":3086.49,"sentiment":"positive","sentiment_score":0.6838337182998657},{"text":"Now that's that document done.","start":3086.55,"end":3088.23,"sentiment":"neutral","sentiment_score":0.2716012954711914},{"text":"You can have a read through to be struggling for the next document to be fair.","start":3088.23,"end":3092.07,"sentiment":"neutral","sentiment_score":0.15954551100730896},{"text":"If you go back to the email, go to the third attached document, the twenty twenty six Oakview Financial Services Guide.","start":3092.07,"end":3098.33,"sentiment":"neutral","sentiment_score":0.07208191018019404},{"text":"Open that up.","start":3098.915,"end":3100.055,"sentiment":"neutral","sentiment_score":0.06888467694322269}],"sentiment":"neutral","sentiment_score":0.13728135905188063,"channel":0,"num_words":46,"start":3085.99,"end":3100.055},{"sentences":[{"text":"This is the compliance.","start":3100.435,"end":3101.415,"sentiment":"neutral","sentiment_score":0.08497812412679195},{"text":"I'll fly through it.","start":3101.475,"end":3102.615,"sentiment":"neutral","sentiment_score":0.0869396049529314},{"text":"That AFSL number that I was talking about, next to our ABN, it's over","start":3103.155,"end":3107.155,"sentiment":"neutral","sentiment_score":0.034177527496857305}],"sentiment":"neutral","sentiment_score":0.05300710460340435,"channel":0,"num_words":22,"start":3100.435,"end":3107.155},{"sentences":[{"text":"Yep.","start":3107.145,"end":3107.645,"sentiment":"neutral","sentiment_score":0.02585173025727272}],"sentiment":"neutral","sentiment_score":0.02585173025727272,"channel":1,"num_words":1,"start":3107.145,"end":3107.645},{"sentences":[{"text":"there.","start":3107.155,"end":3107.315,"sentiment":"neutral","sentiment_score":0.02300955541431904},{"text":"So 513068.","start":3107.315,"end":3108.755,"sentiment":"neutral","sentiment_score":0.03394783288240433},{"text":"You can search us up on ASIC.","start":3108.755,"end":3110.275,"sentiment":"neutral","sentiment_score":0.046948399394750595},{"text":"There's our address.","start":3110.275,"end":3111.175,"sentiment":"neutral","sentiment_score":0.026414883012572925},{"text":"If I run away with your money and you wanna break my knees or something like that, that's where you can find me.","start":3111.315,"end":3116.03,"sentiment":"neutral","sentiment_score":-0.0959925273352343}],"sentiment":"neutral","sentiment_score":-0.04747331840917468,"channel":0,"num_words":36,"start":3107.155,"end":3116.03},{"sentences":[{"text":"The and as well as our, you know, phone numbers and everything else.","start":3116.33,"end":3120.51,"sentiment":"neutral","sentiment_score":0.04834114817472605},{"text":"Now the purpose of this FSG, I'll just go through each step.","start":3120.81,"end":3123.85,"sentiment":"neutral","sentiment_score":0.0916932752976815},{"text":"So number one, purpose of it is to make sure that we can do what we do legally.","start":3123.85,"end":3127.47,"sentiment":"neutral","sentiment_score":0.08912980473703808},{"text":"Give advice about money and then it's about the next step is what does that advice entail.","start":3127.845,"end":3132.345,"sentiment":"neutral","sentiment_score":0.06492391557377927},{"text":"Right?","start":3133.285,"end":3133.605,"sentiment":"neutral","sentiment_score":0.03476154804229736}],"sentiment":"neutral","sentiment_score":0.07330424308044012,"channel":0,"num_words":61,"start":3116.33,"end":3133.605},{"sentences":[{"text":"And what about if, you know, you've got a complaint?","start":3133.605,"end":3136.085,"sentiment":"neutral","sentiment_score":-0.03250059578567743},{"text":"I run away to The Bahamas and start drinking pina colitis with your money.","start":3136.085,"end":3140.885,"sentiment":"neutral","sentiment_score":-0.3039645382336208},{"text":"Wouldn't be very happy about it.","start":3140.885,"end":3142.2449,"sentiment":"negative","sentiment_score":-0.34766703844070435},{"text":"Right?","start":3142.2449,"end":3142.4849,"sentiment":"neutral","sentiment_score":-0.007905492559075356},{"text":"What do you do?","start":3142.4849,"end":3143.385,"sentiment":"neutral","sentiment_score":-0.039582021068781614}],"sentiment":"neutral","sentiment_score":-0.1952212943030255,"channel":0,"num_words":35,"start":3133.605,"end":3143.385},{"sentences":[{"text":"So that's that's all included in this document.","start":3143.5898,"end":3146.0898,"sentiment":"neutral","sentiment_score":0.06454479182139039},{"text":"So who we are I'll get to that in a second.","start":3146.8699,"end":3149.1099,"sentiment":"neutral","sentiment_score":0.03551840257238258},{"text":"But who we are, we because we run our own Australian financial services license, license number 513068, That means we can give advice on absolutely anything anything you want.","start":3149.1099,"end":3160.435,"sentiment":"neutral","sentiment_score":0.15132343094667483},{"text":"It doesn't bother me.","start":3160.435,"end":3161.8152,"sentiment":"neutral","sentiment_score":0.0752288680523634},{"text":"But we do have to put a disclosure of a lack of independence because we essentially aren't independent because we get commissions from other company sources, like commissions from insurances, stuff like that, and we also regulate on the aspect.","start":3162.435,"end":3177.23,"sentiment":"neutral","sentiment_score":-0.03358861852320842}],"sentiment":"neutral","sentiment_score":0.046226206430456725,"channel":0,"num_words":92,"start":3143.5898,"end":3177.23},{"sentences":[{"text":"So we can't really say that we're independent.","start":3177.53,"end":3179.79,"sentiment":"neutral","sentiment_score":-0.09422354027628899},{"text":"It's just a stupid thing that lawmakers thought was a good idea and put in the corporations act a long time ago, but doesn't really mean anything.","start":3179.8499,"end":3187.215,"sentiment":"neutral","sentiment_score":-0.27239310796614047},{"text":"But it's more importantly if you skip down to the services we provide.","start":3187.375,"end":3190.435,"sentiment":"neutral","sentiment_score":0.17002342755977923},{"text":"Number four, let me know when you're","start":3190.5752,"end":3192.3352,"sentiment":"neutral","sentiment_score":0.05580030275242669}],"sentiment":"neutral","sentiment_score":-0.10013628290458158,"channel":0,"num_words":55,"start":3177.53,"end":3192.3352},{"sentences":[{"text":"Yep.","start":3192.285,"end":3192.785,"sentiment":"neutral","sentiment_score":0.04296788573265076}],"sentiment":"neutral","sentiment_score":0.04296788573265076,"channel":1,"num_words":1,"start":3192.285,"end":3192.785},{"sentences":[{"text":"there.","start":3192.3352,"end":3192.8352,"sentiment":"neutral","sentiment_score":0.04202701151371002}],"sentiment":"neutral","sentiment_score":0.04202701151371002,"channel":0,"num_words":1,"start":3192.3352,"end":3192.8352},{"sentences":[{"text":"Yep.","start":3193.005,"end":3193.505,"sentiment":"neutral","sentiment_score":0.07133923470973969}],"sentiment":"neutral","sentiment_score":0.07133923470973969,"channel":1,"num_words":1,"start":3193.005,"end":3193.505},{"sentences":[{"text":"Yep.","start":3193.375,"end":3193.875,"sentiment":"neutral","sentiment_score":0.0902085304260254},{"text":"So this is what I meant by anything.","start":3194.2551,"end":3196.355,"sentiment":"neutral","sentiment_score":0.15612247306853533},{"text":"So we can give advice across the entire scope of deposits and payment products, the base deposit products like high interest savings accounts, stuff like that.","start":3196.415,"end":3204.6602,"sentiment":"neutral","sentiment_score":0.27333040420825666},{"text":"Any and any government debentures or stocks or bonds, ETFs, direct equities, long term, short term bills, and government wants to build a bridge and they want private funding.","start":3205.04,"end":3218.055,"sentiment":"neutral","sentiment_score":0.1870229149173046},{"text":"You agree with those kind of government dimensions we can give advice on.","start":3218.055,"end":3221.515,"sentiment":"neutral","sentiment_score":0.21552948309825018}],"sentiment":"neutral","sentiment_score":0.21651073554893593,"channel":0,"num_words":77,"start":3193.375,"end":3221.515},{"sentences":[{"text":"Any and all life insurance products, but not general insurance.","start":3222.2148,"end":3225.755,"sentiment":"neutral","sentiment_score":0.06519549153745174},{"text":"So investment life insurance products, which is, like, endowment policies, term of life investments, things like that, as well as any sort of life risk insurance products, so life, TPD, income protection, business expenditure, and trauma.","start":3226.2148,"end":3240.35,"sentiment":"neutral","sentiment_score":0.05960512223343054},{"text":"After that, any and all managed investment schemes, so this is like private equity funds.","start":3241.37,"end":3245.87,"sentiment":"neutral","sentiment_score":0.12049102832873662},{"text":"If you you wanna group together with the boys around the barbecue and you decide to build a low rise and or pull your money together in a trust, we can give advice on that.","start":3246.335,"end":3255.6948,"sentiment":"neutral","sentiment_score":0.2599183865955898},{"text":"And then if you just but if you just wanted to invest in a portfolio yourself, like your current share portfolio, It's if you wanna use a platform, we can give advice on all those shares as well as an IDPS, invest direct portfolio service that we manage.","start":3255.6948,"end":3269.79,"sentiment":"neutral","sentiment_score":0.1993714620669683}],"sentiment":"neutral","sentiment_score":0.16161165590811935,"channel":0,"num_words":144,"start":3222.2148,"end":3269.79},{"sentences":[{"text":"It's highly up to you.","start":3269.8499,"end":3270.99,"sentiment":"positive","sentiment_score":0.379115492105484},{"text":"Any and all retirement savings products, account based pensions, as well as TTR pensions, and anything in between, or any and all securities including foreign exchange as well as superannuation.","start":3271.13,"end":3282.405,"sentiment":"neutral","sentiment_score":0.15047124375899631},{"text":"And under that need that, there's two kind of hidden things that because I'm you're speaking with myself, we can you can have access to it because only myself and Bart's actually licensed to give this advice, but that's self managed super funds as well as margin lending.","start":3282.705,"end":3298.4592,"sentiment":"neutral","sentiment_score":0.13672728091478348},{"text":"So borrowing from a property to buy shares.","start":3298.4592,"end":3301.6055,"sentiment":"neutral","sentiment_score":0.0983270751312375},{"text":"Does that 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would get the complimentary statement of advice because I don't see the value in paying paying $1,650.","start":3573.57,"end":3583.81,"sentiment":"neutral","sentiment_score":0.010750429512097918},{"text":"So $1,500 plus GST for just saying, yeah, put this much money into an offset account when you're already","start":3583.81,"end":3590.885,"sentiment":"neutral","sentiment_score":-0.007232399755402615}],"sentiment":"neutral","sentiment_score":0.003632226260378957,"channel":0,"num_words":48,"start":3573.57,"end":3590.885},{"sentences":[{"text":"Yeah.","start":3590.7751,"end":3591.0151,"sentiment":"neutral","sentiment_score":0.07697966694831848}],"sentiment":"neutral","sentiment_score":0.07697966694831848,"channel":1,"num_words":1,"start":3590.7751,"end":3591.0151},{"sentences":[{"text":"in the","start":3590.885,"end":3591.125,"sentiment":"neutral","sentiment_score":0.05414064787328243}],"sentiment":"neutral","sentiment_score":0.05414064787328243,"channel":0,"num_words":2,"start":3590.885,"end":3591.125},{"sentences":[{"text":"Yeah.","start":3591.0151,"end":3591.5151,"sentiment":"neutral","sentiment_score":0.08169622719287872}],"sentiment":"neutral","sentiment_score":0.08169622719287872,"channel":1,"num_words":1,"start":3591.0151,"end":3591.5151},{"sentences":[{"text":"process of doing that.","start":3591.125,"end":3592.005,"sentiment":"neutral","sentiment_score":0.08873458951711655},{"text":"You know what I mean?","start":3592.005,"end":3592.805,"sentiment":"neutral","sentiment_score":0.02983306795358658},{"text":"So","start":3592.805,"end":3593.2048,"sentiment":"neutral","sentiment_score":0.15511968731880188}],"sentiment":"neutral","sentiment_score":0.0659223385155201,"channel":0,"num_words":10,"start":3591.125,"end":3593.2048},{"sentences":[{"text":"Yeah.","start":3593.175,"end":3593.675,"sentiment":"neutral","sentiment_score":0.2612314224243164}],"sentiment":"neutral","sentiment_score":0.2612314224243164,"channel":1,"num_words":1,"start":3593.175,"end":3593.675},{"sentences":[{"text":"we can do that statement advice for super insurance.","start":3593.2048,"end":3595.785,"sentiment":"neutral","sentiment_score":0.31843170192506576},{"text":"And once you come on board, if you do see the value in our services and come on board, we will take you through all the rest of the stages without any implementation fee because you're already a client.","start":3595.9248,"end":3605.51,"sentiment":"neutral","sentiment_score":0.31063592777802396},{"text":"So part of that involves a statement of advice ongoing fee.","start":3605.89,"end":3610.47,"sentiment":"neutral","sentiment_score":0.18226014687256378},{"text":"So if we manage your superannuation and we manage your assets or share portfolios, we charge a tiered structure percentage base.","start":3610.61,"end":3617.7048,"sentiment":"neutral","sentiment_score":0.10297813408431553},{"text":"And there's two ways that we charge an ongoing fee.","start":3618.085,"end":3621.065,"sentiment":"neutral","sentiment_score":0.059657486900687215}],"sentiment":"neutral","sentiment_score":0.21938515334493583,"channel":0,"num_words":90,"start":3593.2048,"end":3621.065},{"sentences":[{"text":"That ongoing fee is either, you know, flat based, where every time we get in touch with you or every I like to call it the lawyer way.","start":3621.365,"end":3629.2048,"sentiment":"neutral","sentiment_score":-0.11893279544476952},{"text":"I hate it.","start":3629.2048,"end":3629.85,"sentiment":"negative","sentiment_score":-0.4220500588417053},{"text":"But it's like, you know, every time that I send you a as an email or every five minutes of my time, I'll every staple and every piece of paper we send out, everything, I'll send you a big juicy invoice to pay it back.","start":3630.01,"end":3644.49,"sentiment":"neutral","sentiment_score":-0.12017997950315476},{"text":"Right?","start":3644.49,"end":3644.99,"sentiment":"neutral","sentiment_score":-0.100966215133667},{"text":"And, you know, even if it's five minutes of my time, we would charge an hour because it's taking it's taking another that hour.","start":3645.465,"end":3652.5051,"sentiment":"neutral","sentiment_score":-0.3260044703880946}],"sentiment":"neutral","sentiment_score":-0.17751921812939173,"channel":0,"num_words":101,"start":3621.365,"end":3652.5051},{"sentences":[{"text":"And my time's not that cheap.","start":3652.5051,"end":3654.0251,"sentiment":"negative","sentiment_score":-0.5134191413720449},{"text":"So for that reason, that kind of fee structure for an ongoing service, I don't agree with because it directly conflicts with our vision of being trusted.","start":3654.0251,"end":3664.5698,"sentiment":"negative","sentiment_score":-0.5153805458987201},{"text":"You know, if you wanna if you to be the most trusted financial planning firm, we need to speak to each other.","start":3665.8298,"end":3670.39,"sentiment":"neutral","sentiment_score":-0.09381919862194495},{"text":"We need to have rapport, and you need to be able to trust me.","start":3670.39,"end":3673.19,"sentiment":"neutral","sentiment_score":0.0005239258919443403},{"text":"The way we build that is by speaking to each other.","start":3673.19,"end":3676.175,"sentiment":"neutral","sentiment_score":0.02654539387334477}],"sentiment":"neutral","sentiment_score":-0.2345059707760811,"channel":0,"num_words":80,"start":3652.5051,"end":3676.175},{"sentences":[{"text":"Right?","start":3676.175,"end":3676.675,"sentiment":"neutral","sentiment_score":-0.0316505953669548},{"text":"But if you know that you're gonna get a big juicy invoice every time you speak to me, you're not gonna wanna speak to me that often.","start":3677.375,"end":3683.715,"sentiment":"neutral","sentiment_score":-0.32673505114184487},{"text":"Right?","start":3683.7751,"end":3684.2751,"sentiment":"neutral","sentiment_score":-0.0886274203658104},{"text":"So for that reason, we charge a percentage based fee.","start":3686.335,"end":3689.01,"sentiment":"neutral","sentiment_score":-0.03243094384670257},{"text":"For your assets, it'll be 1.65% ongoing.","start":3689.01,"end":3692.29,"sentiment":"neutral","sentiment_score":0.04018197048987661}],"sentiment":"neutral","sentiment_score":-0.19532956612174926,"channel":0,"num_words":46,"start":3676.175,"end":3692.29},{"sentences":[{"text":"Just means that I've just got more incentive for me to make you more money because I get paid more.","start":3692.29,"end":3697.27,"sentiment":"neutral","sentiment_score":0.09147162474691868},{"text":"And if you lose for whatever mark happens in the market, then I get paid less.","start":3697.33,"end":3701.895,"sentiment":"neutral","sentiment_score":-0.17235284904018044},{"text":"I think it's fair.","start":3702.135,"end":3703.5151,"sentiment":"neutral","sentiment_score":0.011966204270720482}],"sentiment":"neutral","sentiment_score":-0.02200870681554079,"channel":0,"num_words":40,"start":3692.29,"end":3703.5151},{"sentences":[{"text":"Is that asset","start":3703.635,"end":3704.515,"sentiment":"neutral","sentiment_score":0.00027309047679106396}],"sentiment":"neutral","sentiment_score":0.00027309047679106396,"channel":1,"num_words":3,"start":3703.635,"end":3704.515},{"sentences":[{"text":"Is that","start":3704.215,"end":3704.875,"sentiment":"neutral","sentiment_score":-0.013019510544836521}],"sentiment":"neutral","sentiment_score":-0.013019510544836521,"channel":0,"num_words":2,"start":3704.215,"end":3704.875},{"sentences":[{"text":"fee on on my total assets, you mean, or is that just not 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your duties of work for for more than five years, you're probably never gonna go back to work again.","start":4200.8247,"end":4209.385,"sentiment":"neutral","sentiment_score":0.07127535482868552},{"text":"And you if you have TPD, it sounds like a TPD claim to me.","start":4209.385,"end":4213.37,"sentiment":"neutral","sentiment_score":0.02403321010725839},{"text":"So you get the best of both worlds.","start":4213.37,"end":4215.23,"sentiment":"positive","sentiment_score":0.4720580615103245},{"text":"You know what 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you.","start":4217.29,"end":4218.0903,"sentiment":"neutral","sentiment_score":0.15499798953533173},{"text":"I'll work that out, and I'll calculate all that because overall goal is to make sure that you're insured for that enough, but not pay the nominal leg for it.","start":4218.0903,"end":4225.875,"sentiment":"neutral","sentiment_score":0.19169412727157276},{"text":"Right?","start":4225.875,"end":4226.035,"sentiment":"neutral","sentiment_score":0.15281182527542114},{"text":"We wanna try and balance it out,","start":4226.035,"end":4227.735,"sentiment":"neutral","sentiment_score":0.29951681196689606}],"sentiment":"neutral","sentiment_score":0.20524393536505245,"channel":0,"num_words":42,"start":4217.29,"end":4227.735},{"sentences":[{"text":"Yep.","start":4228.19,"end":4228.69,"sentiment":"neutral","sentiment_score":0.23494940996170044}],"sentiment":"neutral","sentiment_score":0.23494940996170044,"channel":1,"num_words":1,"start":4228.19,"end":4228.69},{"sentences":[{"text":"especially if it's coming out as super.","start":4228.355,"end":4230.135,"sentiment":"neutral","sentiment_score":0.16145926075322287},{"text":"But, yep, that's a breakdown","start":4230.195,"end":4231.395,"sentiment":"neutral","sentiment_score":-0.0476603552699089}],"sentiment":"neutral","sentiment_score":0.0743260874102513,"channel":0,"num_words":12,"start":4228.355,"end":4231.395},{"sentences":[{"text":"Yep.","start":4231.045,"end":4231.545,"sentiment":"neutral","sentiment_score":-0.006023243069648743}],"sentiment":"neutral","sentiment_score":-0.006023243069648743,"channel":1,"num_words":1,"start":4231.045,"end":4231.545},{"sentences":[{"text":"of the fees.","start":4231.395,"end":4232.115,"sentiment":"neutral","sentiment_score":-0.03868640152116617},{"text":"We get we get to remunerated commission from insurance companies.","start":4232.115,"end":4236.535,"sentiment":"neutral","sentiment_score":-0.03951187618076801},{"text":"The insurance company, if we write insurance or any sort of endowment policy or any sort of risk investments, we get paid commission on that.","start":4236.595,"end":4244.4,"sentiment":"neutral","sentiment_score":-0.04276626328006387},{"text":"All the commissions are same, 66% across all insurers.","start":4244.4,"end":4247.8604,"sentiment":"neutral","sentiment_score":-0.030318073514435027},{"text":"So we don't favor one over the other.","start":4247.92,"end":4249.44,"sentiment":"neutral","sentiment_score":-0.2824262045323849}],"sentiment":"neutral","sentiment_score":-0.07477466993203218,"channel":0,"num_words":55,"start":4231.395,"end":4249.44},{"sentences":[{"text":"It's just whatever is best for your risk rating and appetite in terms of your occupation.","start":4249.44,"end":4254.175,"sentiment":"neutral","sentiment_score":-0.13376925652846694},{"text":"Last thing I wanna just touch on, we've got all the insurances you can ever imagine.","start":4255.275,"end":4258.735,"sentiment":"neutral","sentiment_score":-0.1205978961661458},{"text":"Pay a lot pay through the teeth for them.","start":4258.795,"end":4261.275,"sentiment":"neutral","sentiment_score":-0.2545738336112764},{"text":"But last thing is point 11, complaints handling, and then just backfire with them.","start":4261.275,"end":4266.255,"sentiment":"negative","sentiment_score":-0.34142013852085384},{"text":"So the complaints handling.","start":4267.13,"end":4268.51,"sentiment":"neutral","sentiment_score":-0.239474818110466}],"sentiment":"neutral","sentiment_score":-0.20506474842964592,"channel":0,"num_words":59,"start":4249.44,"end":4268.51},{"sentences":[{"text":"What happens if what was that example I used earlier?","start":4269.29,"end":4271.69,"sentiment":"neutral","sentiment_score":-0.21166306883096694},{"text":"What happens if you give your super to us and we've we're managing and you find out you got no super in your account because I've run away with it to I think it was The Bahamas and pina coladas or something.","start":4271.69,"end":4279.9297,"sentiment":"negative","sentiment_score":-0.34421677035944803},{"text":"I'm on the I'm in The Bahamas drinking pina coladas.","start":4279.9297,"end":4282.155,"sentiment":"neutral","sentiment_score":0.04068155586719513},{"text":"Right?","start":4282.795,"end":4283.195,"sentiment":"neutral","sentiment_score":0.03044045716524124}],"sentiment":"neutral","sentiment_score":-0.2561345877391951,"channel":0,"num_words":63,"start":4269.29,"end":4283.195},{"sentences":[{"text":"Yep.","start":4282.81,"end":4283.31,"sentiment":"neutral","sentiment_score":0.04461538791656494}],"sentiment":"neutral","sentiment_score":0.04461538791656494,"channel":1,"num_words":1,"start":4282.81,"end":4283.31},{"sentences":[{"text":"What do you do?","start":4283.195,"end":4284.0947,"sentiment":"neutral","sentiment_score":-0.007084047421813011},{"text":"Because you wouldn't be well, the first thing you do is you'd go through what's called an internal dispute resolution IDL and get in touch with the compliance manager of the Australian Financial Services license that that firm works under or is.","start":4284.155,"end":4295.695,"sentiment":"neutral","sentiment_score":-0.106932284177414},{"text":"That is me.","start":4295.755,"end":4296.735,"sentiment":"neutral","sentiment_score":-0.08718242247899373},{"text":"But I'm gonna be in The Bahamas, drinking beer and collabs with your money.","start":4297.98,"end":4300.7,"sentiment":"neutral","sentiment_score":-0.1648884623178414},{"text":"So I probably wouldn't wanna speak to you, and you more than likely wouldn't wanna speak to me.","start":4300.7,"end":4304.56,"sentiment":"negative","sentiment_score":-0.3604430647359954}],"sentiment":"neutral","sentiment_score":-0.16762287691695454,"channel":0,"num_words":81,"start":4283.195,"end":4304.56},{"sentences":[{"text":"So for that reason, Boss, my business partner, he's also a he's also a a a responsible manager compliance manager on the license.","start":4304.62,"end":4314.475,"sentiment":"neutral","sentiment_score":-0.02512429735582808},{"text":"We have to be linked to it.","start":4314.475,"end":4315.935,"sentiment":"neutral","sentiment_score":-0.0215437545308045},{"text":"And you'll get in touch with him, and you'll save save us a bit of dick.","start":4315.995,"end":4319.5947,"sentiment":"neutral","sentiment_score":-0.14562752074562013},{"text":"You ran away with my money.","start":4319.5947,"end":4320.895,"sentiment":"negative","sentiment_score":-0.751513252655665},{"text":"What do I do about it?","start":4321.275,"end":4322.395,"sentiment":"negative","sentiment_score":-0.5392656624317169}],"sentiment":"neutral","sentiment_score":-0.18626515419575676,"channel":0,"num_words":58,"start":4304.62,"end":4322.395},{"sentences":[{"text":"And we will we've we've only had two complaints in almost ten years, so that's pretty pretty pretty good.","start":4322.395,"end":4327.58,"sentiment":"neutral","sentiment_score":-0.11412426450069209},{"text":"But, yeah, we're pretty reasonable people.","start":4327.64,"end":4329.72,"sentiment":"neutral","sentiment_score":0.27709292620420456},{"text":"Please give us a call if you're upset about anything.","start":4329.72,"end":4331.72,"sentiment":"neutral","sentiment_score":0.01413654908537865},{"text":"We'll work it out.","start":4331.72,"end":4332.7,"sentiment":"neutral","sentiment_score":0.04976985417306423},{"text":"But if for some reason we don't work it out, then you can go to what's called AFTRA, the Australian Financial Complaints Authority, and they essentially are like our ombudsman.","start":4333.16,"end":4342.925,"sentiment":"neutral","sentiment_score":-0.1240258933355411}],"sentiment":"neutral","sentiment_score":-0.056320802330552346,"channel":0,"num_words":69,"start":4322.395,"end":4342.925},{"sentences":[{"text":"They'll they'll come down on us like a ton of bricks and","start":4342.985,"end":4345.625,"sentiment":"neutral","sentiment_score":-0.11865408283968766}],"sentiment":"neutral","sentiment_score":-0.11865408283968766,"channel":0,"num_words":12,"start":4342.985,"end":4345.625},{"sentences":[{"text":"Yep.","start":4345.58,"end":4346.08,"sentiment":"neutral","sentiment_score":0.040479645133018494}],"sentiment":"neutral","sentiment_score":0.040479645133018494,"channel":1,"num_words":1,"start":4345.58,"end":4346.08},{"sentences":[{"text":"just make sure that everything's fair and reasonable and go from there.","start":4345.625,"end":4348.445,"sentiment":"neutral","sentiment_score":0.011649925572176775},{"text":"Okay?","start":4348.505,"end":4348.905,"sentiment":"neutral","sentiment_score":0.045275233685970306}],"sentiment":"neutral","sentiment_score":0.014236487734776277,"channel":0,"num_words":13,"start":4345.625,"end":4348.905},{"sentences":[{"text":"Yep.","start":4348.86,"end":4349.36,"sentiment":"neutral","sentiment_score":0.07105447351932526}],"sentiment":"neutral","sentiment_score":0.07105447351932526,"channel":1,"num_words":1,"start":4348.86,"end":4349.36},{"sentences":[{"text":"Makes sense?","start":4348.905,"end":4349.645,"sentiment":"neutral","sentiment_score":0.10727271810173988}],"sentiment":"neutral","sentiment_score":0.10727271810173988,"channel":0,"num_words":2,"start":4348.905,"end":4349.645},{"sentences":[{"text":"Understandable.","start":4349.575,"end":4350.075,"sentiment":"neutral","sentiment_score":0.2823553681373596}],"sentiment":"neutral","sentiment_score":0.2823553681373596,"channel":1,"num_words":1,"start":4349.575,"end":4350.075},{"sentences":[{"text":"Beautiful.","start":4350.905,"end":4351.405,"sentiment":"positive","sentiment_score":0.4773930311203003},{"text":"Do you have any questions about the financial services guide?","start":4351.465,"end":4353.965,"sentiment":"neutral","sentiment_score":0.1369932234287262}],"sentiment":"neutral","sentiment_score":0.16793866049159656,"channel":0,"num_words":11,"start":4350.905,"end":4353.965},{"sentences":[{"text":"Yep.","start":4354.295,"end":4354.455,"sentiment":"neutral","sentiment_score":0.07240518182516098},{"text":"Nah.","start":4354.455,"end":4354.955,"sentiment":"neutral","sentiment_score":0.1336454153060913}],"sentiment":"neutral","sentiment_score":0.10302529856562614,"channel":1,"num_words":2,"start":4354.295,"end":4354.955},{"sentences":[{"text":"Beautiful.","start":4355.92,"end":4356.42,"sentiment":"neutral","sentiment_score":0.32872048020362854},{"text":"The last thing I'm gonna do is I'm gonna shoot through a couple of questions regarding your risk profile, and then I'm gonna book in some time for us to catch up another couple of weeks and present you with some statement of advice, recommendations.","start":4357.04,"end":4368.9,"sentiment":"neutral","sentiment_score":0.09560101669695642},{"text":"K?","start":4369.52,"end":4370.0,"sentiment":"neutral","sentiment_score":0.04671311005949974}],"sentiment":"neutral","sentiment_score":0.0995208370558759,"channel":0,"num_words":47,"start":4355.92,"end":4370.0},{"sentences":[{"text":"Yep.","start":4369.78,"end":4370.28,"sentiment":"neutral","sentiment_score":0.07114491611719131}],"sentiment":"neutral","sentiment_score":0.07114491611719131,"channel":1,"num_words":1,"start":4369.78,"end":4370.28},{"sentences":[{"text":"So how would you describe your experience in understanding investment markets?","start":4370.0,"end":4375.665,"sentiment":"neutral","sentiment_score":0.03096376190131361},{"text":"Would you say that you've had a positive experience in the ETFs and the stuff that you've been buying, or would you say that you've learned risk and reward balance from negative experiences?","start":4375.665,"end":4382.965,"sentiment":"neutral","sentiment_score":0.2126221586809014}],"sentiment":"neutral","sentiment_score":0.16720755948600444,"channel":0,"num_words":44,"start":4370.0,"end":4382.965},{"sentences":[{"text":"So I'd I'd say I'm more medium risk.","start":4384.115,"end":4387.095,"sentiment":"neutral","sentiment_score":0.09069137834012508},{"text":"I've had a pretty good run-in the last twelve months.","start":4388.435,"end":4390.595,"sentiment":"positive","sentiment_score":0.4457870453596115},{"text":"I'm up 10% total.","start":4390.595,"end":4391.975,"sentiment":"positive","sentiment_score":0.43297260254621506}],"sentiment":"neutral","sentiment_score":0.31433144956827164,"channel":1,"num_words":22,"start":4384.115,"end":4391.975},{"sentences":[{"text":"Nice.","start":4392.88,"end":4393.38,"sentiment":"positive","sentiment_score":0.7172489762306213},{"text":"Well done.","start":4393.52,"end":4394.2603,"sentiment":"positive","sentiment_score":0.6665245294570923}],"sentiment":"positive","sentiment_score":0.6834326783816019,"channel":0,"num_words":3,"start":4392.88,"end":4394.2603},{"sentences":[{"text":"Obviously, just investing in low risk ATS like a Vanguard Australia, IVV, and the v 500.","start":4393.91,"end":4400.0903,"sentiment":"neutral","sentiment_score":0.18138124514371157}],"sentiment":"neutral","sentiment_score":0.18138124514371157,"channel":1,"num_words":16,"start":4393.91,"end":4400.0903},{"sentences":[{"text":"Yep.","start":4400.6753,"end":4400.995,"sentiment":"neutral","sentiment_score":0.23070912063121796},{"text":"Beautiful.","start":4400.995,"end":4401.495,"sentiment":"positive","sentiment_score":0.5280440449714661}],"sentiment":"positive","sentiment_score":0.379376582801342,"channel":0,"num_words":2,"start":4400.6753,"end":4401.495},{"sentences":[{"text":"I've done a little bit of practice paper trading on TradingView.","start":4402.31,"end":4406.165,"sentiment":"neutral","sentiment_score":0.18365781821987845},{"text":"Just","start":4407.185,"end":4407.4253,"sentiment":"neutral","sentiment_score":0.10627652704715727}],"sentiment":"neutral","sentiment_score":0.17720937728881836,"channel":1,"num_words":12,"start":4402.31,"end":4407.4253},{"sentences":[{"text":"Yep.","start":4407.315,"end":4407.815,"sentiment":"neutral","sentiment_score":0.11362874507904051}],"sentiment":"neutral","sentiment_score":0.11362874507904051,"channel":0,"num_words":1,"start":4407.315,"end":4407.815},{"sentences":[{"text":"practice a bit of swing trading and stuff.","start":4407.4253,"end":4409.665,"sentiment":"neutral","sentiment_score":0.1115582836791873},{"text":"Obviously, I wasn't very successful,","start":4409.665,"end":4411.285,"sentiment":"neutral","sentiment_score":-0.06948838196694851}],"sentiment":"neutral","sentiment_score":0.041924950738365836,"channel":1,"num_words":13,"start":4407.4253,"end":4411.285},{"sentences":[{"text":"Gotcha.","start":4410.93,"end":4411.43,"sentiment":"neutral","sentiment_score":-0.04009183496236801}],"sentiment":"neutral","sentiment_score":-0.04009183496236801,"channel":0,"num_words":1,"start":4410.93,"end":4411.43},{"sentences":[{"text":"but I do understand you gotta spend money to make money.","start":4411.345,"end":4413.9053,"sentiment":"neutral","sentiment_score":-0.024354468015107242},{"text":"So my risk would be about I'll be medium risk, I think.","start":4413.9053,"end":4417.045,"sentiment":"neutral","sentiment_score":-0.020199192843089502}],"sentiment":"neutral","sentiment_score":-0.022186498360141464,"channel":1,"num_words":23,"start":4411.345,"end":4417.045},{"sentences":[{"text":"Medium risk.","start":4417.5703,"end":4418.37,"sentiment":"neutral","sentiment_score":-0.03792854119092226},{"text":"Well, that's why we ask these questions because we break it down to make sure that we do find the right appetite.","start":4418.37,"end":4423.5103,"sentiment":"neutral","sentiment_score":0.10798082246699116},{"text":"Because now with when you're talking about risk, you got about four ingredients in the melting pot, if you would.","start":4423.825,"end":4428.725,"sentiment":"neutral","sentiment_score":0.014501999039202929}],"sentiment":"neutral","sentiment_score":0.058858204379000446,"channel":0,"num_words":44,"start":4417.5703,"end":4428.725},{"sentences":[{"text":"If","start":4429.12,"end":4429.305,"sentiment":"neutral","sentiment_score":0.02659016102552414}],"sentiment":"neutral","sentiment_score":0.02659016102552414,"channel":1,"num_words":1,"start":4429.12,"end":4429.305},{"sentences":[{"text":"The agree the the four things is, one, your risk profile, what you come out of as from a quantitative qualitative to convert into a quantitative analysis.","start":4429.425,"end":4437.605,"sentiment":"neutral","sentiment_score":0.02206512857918386},{"text":"And from there, you also need to understand time horizon because time is literally risk.","start":4438.1504,"end":4443.1104,"sentiment":"neutral","sentiment_score":-0.011957941204309463},{"text":"Time time equals risk.","start":4443.1104,"end":4444.31,"sentiment":"neutral","sentiment_score":-0.02036344725638628},{"text":"If you open up a Andex task, you're in front of the computer.","start":4444.31,"end":4447.6704,"sentiment":"neutral","sentiment_score":0.005427970049472956},{"text":"Yeah?","start":4447.6704,"end":4448.1704,"sentiment":"neutral","sentiment_score":0.031246446073055267}],"sentiment":"neutral","sentiment_score":0.007279093687733014,"channel":0,"num_words":60,"start":4429.425,"end":4448.1704},{"sentences":[{"text":"Yes.","start":4448.88,"end":4449.38,"sentiment":"neutral","sentiment_score":0.04524976760149002}],"sentiment":"neutral","sentiment_score":0.04524976760149002,"channel":1,"num_words":1,"start":4448.88,"end":4449.38},{"sentences":[{"text":"If you go on to a new tab and you type in andex.com.au, let me know if you got that up.","start":4451.205,"end":4462.105,"sentiment":"neutral","sentiment_score":0.035702596817697795}],"sentiment":"neutral","sentiment_score":0.035702596817697795,"channel":0,"num_words":21,"start":4451.205,"end":4462.105},{"sentences":[{"text":"Just a index chart.","start":4462.785,"end":4464.485,"sentiment":"neutral","sentiment_score":0.02775604883208871}],"sentiment":"neutral","sentiment_score":0.02775604883208871,"channel":1,"num_words":4,"start":4462.785,"end":4464.485},{"sentences":[{"text":"And extra chart.","start":4465.08,"end":4465.96,"sentiment":"neutral","sentiment_score":0.02266472081343333},{"text":"So click on the poster, and then there's a little magnifying glass, the top right corner of the of the actual poster.","start":4465.96,"end":4473.1,"sentiment":"neutral","sentiment_score":0.03453303001482378},{"text":"And I'll open it up.","start":4473.72,"end":4475.02,"sentiment":"neutral","sentiment_score":0.04500834494829178},{"text":"And then let me know when you're looking at that.","start":4475.3203,"end":4477.2603,"sentiment":"neutral","sentiment_score":0.049165447056293485},{"text":"It's a bit juicy prop from '19","start":4479.685,"end":4481.685,"sentiment":"neutral","sentiment_score":0.0635352251785142}],"sentiment":"neutral","sentiment_score":0.04232262966639184,"channel":0,"num_words":47,"start":4465.08,"end":4481.685},{"sentences":[{"text":"Yeah.","start":4481.66,"end":4482.06,"sentiment":"neutral","sentiment_score":0.026256278157234192}],"sentiment":"neutral","sentiment_score":0.026256278157234192,"channel":1,"num_words":1,"start":4481.66,"end":4482.06},{"sentences":[{"text":"'50","start":4481.685,"end":4482.085,"sentiment":"neutral","sentiment_score":0.01649281568825245}],"sentiment":"neutral","sentiment_score":0.01649281568825245,"channel":0,"num_words":1,"start":4481.685,"end":4482.085},{"sentences":[{"text":"Yeah.","start":4482.06,"end":4482.56,"sentiment":"neutral","sentiment_score":0.036793917417526245}],"sentiment":"neutral","sentiment_score":0.036793917417526245,"channel":1,"num_words":1,"start":4482.06,"end":4482.56},{"sentences":[{"text":"all the way through those colors.","start":4482.085,"end":4483.365,"sentiment":"neutral","sentiment_score":0.053944521894057594},{"text":"Yep.","start":4483.365,"end":4483.845,"sentiment":"neutral","sentiment_score":0.06768424808979034},{"text":"So the blue line is a full Australian index.","start":4483.845,"end":4486.825,"sentiment":"neutral","sentiment_score":0.064411753995551},{"text":"Top 300, ASX, S and P 300.","start":4487.0454,"end":4489.625,"sentiment":"neutral","sentiment_score":0.048907630677734105},{"text":"Light blue lines, what you're in at the moment with super with Cbus, the my super balance portfolio, it's about 70% risk on, 30% defensive.","start":4490.325,"end":4497.93,"sentiment":"neutral","sentiment_score":0.05911085935309529}],"sentiment":"neutral","sentiment_score":0.058149626333033666,"channel":0,"num_words":48,"start":4482.085,"end":4497.93},{"sentences":[{"text":"Now it says green is long term bonds.","start":4498.47,"end":4500.71,"sentiment":"neutral","sentiment_score":0.013268455164507031},{"text":"As you can see, they haven't been doing too well lately.","start":4500.71,"end":4502.81,"sentiment":"neutral","sentiment_score":-0.14905992048707875},{"text":"Then Graves Cash and CPI is the orange line.","start":4503.27,"end":4506.49,"sentiment":"neutral","sentiment_score":0.11302545004420811},{"text":"At the far left hand side, if you click on the little plus sign, you'll see the growth.","start":4506.7153,"end":4510.475,"sentiment":"neutral","sentiment_score":0.11554878287845188},{"text":"If you invested a $100 in any one of these assets in 1950, what would it do if you had no acquisition costs, no taxes, and all incomes that you receive by way of dividend or distributions, we reinvest back in to that exact same index of all products.","start":4510.475,"end":4526.4097,"sentiment":"neutral","sentiment_score":0.1585135969276331}],"sentiment":"neutral","sentiment_score":0.09821854639602334,"channel":0,"num_words":95,"start":4498.47,"end":4526.4097},{"sentences":[{"text":"Right?","start":4526.4097,"end":4526.9097,"sentiment":"neutral","sentiment_score":0.07909365743398666},{"text":"So a $100 on the dark blue line, this is literally what we're talking about when you talk about time versus risk.","start":4527.13,"end":4532.955,"sentiment":"neutral","sentiment_score":0.005467325110327114},{"text":"So","start":4533.435,"end":4533.935,"sentiment":"neutral","sentiment_score":0.005157463252544403}],"sentiment":"neutral","sentiment_score":0.008522178046405315,"channel":0,"num_words":24,"start":4526.4097,"end":4533.935},{"sentences":[{"text":"Yep.","start":4533.8,"end":4534.3,"sentiment":"neutral","sentiment_score":0.01184891164302826}],"sentiment":"neutral","sentiment_score":0.01184891164302826,"channel":1,"num_words":1,"start":4533.8,"end":4534.3},{"sentences":[{"text":"dark blue line is just straight shares, riskiest you can get, right, other than crypto probably, but back then, they didn't have that.","start":4534.395,"end":4540.815,"sentiment":"neutral","sentiment_score":-0.14851101099149042},{"text":"So if you go along the line, the industrial kinda crash where the bank cards were launched in the mid seventies, that's the first kinda drop.","start":4540.875,"end":4548.815,"sentiment":"negative","sentiment_score":-0.3777660286197296},{"text":"That's a big one.","start":4548.95,"end":4549.67,"sentiment":"negative","sentiment_score":-0.36111287772655487},{"text":"Next one up is that the big sharp one in the eighties.","start":4549.67,"end":4553.0503,"sentiment":"neutral","sentiment_score":-0.14445576754709086},{"text":"You're looking at so I think it was '86, '87.","start":4553.83,"end":4556.15,"sentiment":"neutral","sentiment_score":-0.07246629521250725}],"sentiment":"neutral","sentiment_score":-0.2285367156068484,"channel":0,"num_words":75,"start":4534.395,"end":4556.15},{"sentences":[{"text":"That's when mister Jordan Belford's first day of trading went and they had black Black Friday.","start":4556.15,"end":4561.8647,"sentiment":"neutral","sentiment_score":-0.23672438599169254},{"text":"That is Black Friday, massive drop.","start":4562.8047,"end":4564.905,"sentiment":"negative","sentiment_score":-0.45397718747456867},{"text":"A little bit closer to home, 2007 to 2009 is the global financial crisis.","start":4565.045,"end":4571.2246,"sentiment":"negative","sentiment_score":-0.41754033310072763},{"text":"To put in perspective, that big drop there for GSP was 62% of my Australian shares.","start":4571.525,"end":4578.15,"sentiment":"neutral","sentiment_score":-0.2503329385071993},{"text":"So if you had a $100 in the S and P ASX three hundred, you'll you would have $38,000 left.","start":4578.21,"end":4585.59,"sentiment":"neutral","sentiment_score":-0.10509439706802368}],"sentiment":"neutral","sentiment_score":-0.2564476794666714,"channel":0,"num_words":72,"start":4556.15,"end":4585.59},{"sentences":[{"text":"Right?","start":4585.65,"end":4586.15,"sentiment":"neutral","sentiment_score":-0.15428923070430756},{"text":"Not not ideal.","start":4586.21,"end":4587.11,"sentiment":"negative","sentiment_score":-0.5717867811520895},{"text":"But if you kept your cool and you kept so you only you didn't put anything more in, you didn't sell, it would have taken, I believe, five point five point four years to break even again.","start":4587.17,"end":4598.265,"sentiment":"negative","sentiment_score":-0.44414287161182714},{"text":"So that's what we're talking about when talking about time horizon.","start":4598.725,"end":4601.945,"sentiment":"neutral","sentiment_score":-0.11408975517207925},{"text":"So if you draw a","start":4602.085,"end":4602.805,"sentiment":"neutral","sentiment_score":-0.013011169619858265}],"sentiment":"negative","sentiment_score":-0.344262789101585,"channel":0,"num_words":57,"start":4585.65,"end":4602.805},{"sentences":[{"text":"Yeah.","start":4602.805,"end":4603.305,"sentiment":"neutral","sentiment_score":-0.0019103866070508957}],"sentiment":"neutral","sentiment_score":-0.0019103866070508957,"channel":1,"num_words":1,"start":4602.805,"end":4603.305},{"sentences":[{"text":"line from the top point across, so one, two, three, four, five, and a bit, it was it was four it was five point four, not five years and four months, but five point four months of years to be able to get you a 100 back.","start":4602.805,"end":4616.445,"sentiment":"neutral","sentiment_score":-0.058039976838738364},{"text":"So even in the riskiest assets, if your investment time horizon is ten years, then you can you can essentially take as much risk as you like because you're looking at about a six year time horizon for a full growth portfolio.","start":4616.525,"end":4630.7046,"sentiment":"neutral","sentiment_score":-0.004470024169200943},{"text":"Does that make sense?","start":4631.57,"end":4632.37,"sentiment":"neutral","sentiment_score":0.09885381162166595},{"text":"Or","start":4632.37,"end":4632.87,"sentiment":"neutral","sentiment_score":0.024702686816453937}],"sentiment":"neutral","sentiment_score":-0.026547893544936432,"channel":0,"num_words":94,"start":4602.805,"end":4632.87},{"sentences":[{"text":"Yeah.","start":4633.435,"end":4633.675,"sentiment":"neutral","sentiment_score":0.04044304043054581},{"text":"A little bit.","start":4633.675,"end":4634.495,"sentiment":"neutral","sentiment_score":0.035671948765714966}],"sentiment":"neutral","sentiment_score":0.036864721681922674,"channel":1,"num_words":4,"start":4633.435,"end":4634.495},{"sentences":[{"text":"little bit.","start":4635.41,"end":4635.81,"sentiment":"neutral","sentiment_score":0.019164404831826687},{"text":"So, yeah, that's the that time horizon is really important.","start":4635.81,"end":4638.77,"sentiment":"neutral","sentiment_score":0.0959976889193058},{"text":"When we're looking at your super, you've got thirty years.","start":4638.77,"end":4641.49,"sentiment":"neutral","sentiment_score":0.0693482767790556},{"text":"This is over","start":4641.49,"end":4642.21,"sentiment":"neutral","sentiment_score":0.0719793438911438}],"sentiment":"neutral","sentiment_score":0.07630905993282795,"channel":0,"num_words":25,"start":4635.41,"end":4642.21},{"sentences":[{"text":"Yep.","start":4642.0747,"end":4642.41,"sentiment":"neutral","sentiment_score":0.05016474425792694}],"sentiment":"neutral","sentiment_score":0.05016474425792694,"channel":1,"num_words":1,"start":4642.0747,"end":4642.41},{"sentences":[{"text":"thirty five.","start":4642.21,"end":4642.785,"sentiment":"neutral","sentiment_score":0.06017296761274338},{"text":"Well, this is over thirty years.","start":4642.9453,"end":4644.4653,"sentiment":"neutral","sentiment_score":0.1076003722846508},{"text":"And to just show you the compounding power, compounding return of you know, essentially, this is 2.5% CPI as well, but a $100 in the s and p 300 would be worth $362,654, 11.5% return every year on average.","start":4644.4653,"end":4661.3403,"sentiment":"neutral","sentiment_score":0.11994891107464448}],"sentiment":"neutral","sentiment_score":0.11582884469881971,"channel":0,"num_words":47,"start":4642.21,"end":4661.3403},{"sentences":[{"text":"Yeah.","start":4661.8647,"end":4662.3647,"sentiment":"neutral","sentiment_score":0.12667948007583618}],"sentiment":"neutral","sentiment_score":0.12667948007583618,"channel":1,"num_words":1,"start":4661.8647,"end":4662.3647},{"sentences":[{"text":"Right?","start":4663.08,"end":4663.4004,"sentiment":"neutral","sentiment_score":0.09805113077163696},{"text":"And it shows you the different aspects.","start":4663.4004,"end":4665.02,"sentiment":"neutral","sentiment_score":0.10513651158128466},{"text":"I would looking at your time horizon, not only that, we also need to take the other two into accounts, which is risk tolerance and risk capacity.","start":4665.48,"end":4673.645,"sentiment":"neutral","sentiment_score":0.04517014228083469},{"text":"You have capacity to lose money, make it back.","start":4673.785,"end":4676.045,"sentiment":"neutral","sentiment_score":-0.029656475616825953},{"text":"And not only that, you're tolerant.","start":4676.905,"end":4678.745,"sentiment":"neutral","sentiment_score":0.07074782935281594}],"sentiment":"neutral","sentiment_score":0.044223584979772565,"channel":0,"num_words":50,"start":4663.08,"end":4678.745},{"sentences":[{"text":"So, like, you know, that's that's actually one of the next questions I have.","start":4678.745,"end":4681.945,"sentiment":"neutral","sentiment_score":0.08656481972762517},{"text":"So what let's talk about that.","start":4681.945,"end":4683.97,"sentiment":"neutral","sentiment_score":0.009311748202890158},{"text":"So your so investments go up and down in value.","start":4683.97,"end":4687.0103,"sentiment":"neutral","sentiment_score":-0.05318495072424412},{"text":"It's called volatility, and you","start":4687.0103,"end":4688.85,"sentiment":"neutral","sentiment_score":-0.07267375588417054}],"sentiment":"neutral","sentiment_score":0.010644562249737127,"channel":0,"num_words":35,"start":4678.745,"end":4688.85},{"sentences":[{"text":"Yep.","start":4688.655,"end":4689.155,"sentiment":"neutral","sentiment_score":-0.045541927218437195}],"sentiment":"neutral","sentiment_score":-0.045541927218437195,"channel":1,"num_words":1,"start":4688.655,"end":4689.155},{"sentences":[{"text":"we need to understand your your tolerance to that volatility.","start":4689.0903,"end":4692.5503,"sentiment":"neutral","sentiment_score":-0.14728331416845322},{"text":"Right?","start":4692.69,"end":4693.0903,"sentiment":"neutral","sentiment_score":-0.08756425231695175},{"text":"So how much could your investment drop and say super?","start":4693.0903,"end":4696.39,"sentiment":"neutral","sentiment_score":-0.18860463201999664},{"text":"If it how much could it drop in value over a year before you start feeling concerned and anxious?","start":4696.535,"end":4701.6753,"sentiment":"neutral","sentiment_score":-0.17269918636271828},{"text":"Would you say more than 50%, up to 50%, up to 25%, or up to 10?","start":4701.895,"end":4706.6353,"sentiment":"neutral","sentiment_score":-0.08880379842594266}],"sentiment":"neutral","sentiment_score":-0.1455105183912175,"channel":0,"num_words":56,"start":4689.0903,"end":4706.6353},{"sentences":[{"text":"I'd say 50%.","start":4707.97,"end":4709.25,"sentiment":"neutral","sentiment_score":-0.051858361810445786},{"text":"Like I said, I understand.","start":4709.25,"end":4710.55,"sentiment":"neutral","sentiment_score":-0.02664611116051674},{"text":"Looking at the history of of time, I understand the market's always gonna drop and it always recovers better.","start":4710.69,"end":4715.215,"sentiment":"neutral","sentiment_score":-0.0995088141215475},{"text":"So if I've seen my","start":4715.215,"end":4716.5747,"sentiment":"neutral","sentiment_score":-0.01941736936569214}],"sentiment":"neutral","sentiment_score":-0.07114249863661826,"channel":1,"num_words":32,"start":4707.97,"end":4716.5747},{"sentences":[{"text":"Beautiful.","start":4716.5503,"end":4717.0503,"sentiment":"neutral","sentiment_score":-0.01182871311903}],"sentiment":"neutral","sentiment_score":-0.01182871311903,"channel":0,"num_words":1,"start":4716.5503,"end":4717.0503},{"sentences":[{"text":"super drop 50%, I'd probably go, hang on.","start":4716.5747,"end":4718.9746,"sentiment":"neutral","sentiment_score":-0.11082096491008997},{"text":"What's going on here?","start":4718.9746,"end":4720.195,"sentiment":"neutral","sentiment_score":-0.04315257538110018},{"text":"But I think I could still keep my cool and just trust that the wait time do its thing and if if","start":4720.4946,"end":4726.8003,"sentiment":"neutral","sentiment_score":0.18072490190917795}],"sentiment":"neutral","sentiment_score":0.08578734768225867,"channel":1,"num_words":34,"start":4716.5747,"end":4726.8003},{"sentences":[{"text":"I'm","start":4726.6953,"end":4727.1953,"sentiment":"neutral","sentiment_score":0.1972944140434265}],"sentiment":"neutral","sentiment_score":0.1972944140434265,"channel":0,"num_words":1,"start":4726.6953,"end":4727.1953},{"sentences":[{"text":"that makes sense.","start":4726.8003,"end":4727.44,"sentiment":"neutral","sentiment_score":0.1378901426990827},{"text":"That's probably my risk","start":4727.44,"end":4728.3203,"sentiment":"neutral","sentiment_score":0.04044317081570625}],"sentiment":"neutral","sentiment_score":0.08220615876572472,"channel":1,"num_words":7,"start":4726.8003,"end":4728.3203},{"sentences":[{"text":"yeah.","start":4728.1353,"end":4728.535,"sentiment":"neutral","sentiment_score":0.01831064000725746}],"sentiment":"neutral","sentiment_score":0.01831064000725746,"channel":0,"num_words":1,"start":4728.1353,"end":4728.535},{"sentences":[{"text":"tolerance.","start":4728.3203,"end":4728.8203,"sentiment":"neutral","sentiment_score":0.02353881672024727}],"sentiment":"neutral","sentiment_score":0.02353881672024727,"channel":1,"num_words":1,"start":4728.3203,"end":4728.8203},{"sentences":[{"text":"Absolutely.","start":4728.535,"end":4729.035,"sentiment":"positive","sentiment_score":0.3645334839820862},{"text":"Absolutely.","start":4729.3354,"end":4729.8354,"sentiment":"positive","sentiment_score":0.3984573483467102},{"text":"That makes sense.","start":4730.055,"end":4730.855,"sentiment":"positive","sentiment_score":0.39670493205388385},{"text":"Because, yeah, the if you look at ratio, literally one 12 eleven point nine years.","start":4730.855,"end":4736.2354,"sentiment":"neutral","sentiment_score":0.11593035012483596},{"text":"If you look at any portfolio, any product, any risk risk profile on the market or out there, you the most risky you can guess if you take from when markets began to almost twelve years.","start":4736.42,"end":4749.2197,"sentiment":"neutral","sentiment_score":-0.05526948513256179}],"sentiment":"neutral","sentiment_score":0.030399275278406485,"channel":0,"num_words":56,"start":4728.535,"end":4749.2197},{"sentences":[{"text":"I like to say twelve years, but 11.9 is a ratio of one to 1.001.","start":4749.2197,"end":4754.605,"sentiment":"neutral","sentiment_score":0.034417583420872686},{"text":"So you you essentially, even in the most risky markets on the planet, if you took an index approach, you would for for a time horizon of twelve almost twelve years, you would not","start":4754.825,"end":4765.76,"sentiment":"neutral","sentiment_score":0.0016599745654007968}],"sentiment":"neutral","sentiment_score":0.011687814010953416,"channel":0,"num_words":49,"start":4749.2197,"end":4765.76},{"sentences":[{"text":"Yep.","start":4766.7603,"end":4767.2603,"sentiment":"neutral","sentiment_score":-0.15553629398345947}],"sentiment":"neutral","sentiment_score":-0.15553629398345947,"channel":1,"num_words":1,"start":4766.7603,"end":4767.2603},{"sentences":[{"text":"lose.","start":4767.6597,"end":4767.98,"sentiment":"neutral","sentiment_score":-0.17212380468845367},{"text":"Okay?","start":4767.98,"end":4768.48,"sentiment":"neutral","sentiment_score":0.018137488514184952},{"text":"But based on that way, you'd how would you feel if in six months after investing, you find out that your portfolio in supers decreased by 20%?","start":4768.78,"end":4778.94,"sentiment":"neutral","sentiment_score":-0.1754770497963936},{"text":"What do you do?","start":4778.94,"end":4779.705,"sentiment":"neutral","sentiment_score":-0.14122510328888893},{"text":"Would you, one, invest heavily, expecting future return?","start":4779.9453,"end":4783.245,"sentiment":"neutral","sentiment_score":-0.025715975323691964}],"sentiment":"neutral","sentiment_score":-0.13810963113224362,"channel":0,"num_words":41,"start":4767.6597,"end":4783.245},{"sentences":[{"text":"Over the longer term, would you, two, invest modestly to hopefully get a bit of a return?","start":4783.545,"end":4788.185,"sentiment":"neutral","sentiment_score":-0.012572103673044373},{"text":"Or would you, three, hold and wait a proof of not speaking to your financial professional?","start":4788.185,"end":4792.205,"sentiment":"neutral","sentiment_score":-0.19907222222536802},{"text":"Or four, tell me to get stuff to move everything to cash?","start":4792.345,"end":4794.96,"sentiment":"neutral","sentiment_score":-0.1879022525002559}],"sentiment":"neutral","sentiment_score":-0.12563796329001586,"channel":0,"num_words":45,"start":4783.545,"end":4794.96},{"sentences":[{"text":"What was that if it dropped 20%?","start":4795.36,"end":4797.2197,"sentiment":"neutral","sentiment_score":-0.23887852047170913}],"sentiment":"neutral","sentiment_score":-0.23887852047170913,"channel":1,"num_words":7,"start":4795.36,"end":4797.2197},{"sentences":[{"text":"I've dropped 20 in six months.","start":4797.84,"end":4799.6,"sentiment":"negative","sentiment_score":-0.4668846478064855},{"text":"Yeah.","start":4799.6,"end":4800.1,"sentiment":"neutral","sentiment_score":-0.2367615103721619}],"sentiment":"negative","sentiment_score":-0.43400991388729643,"channel":0,"num_words":7,"start":4797.84,"end":4800.1},{"sentences":[{"text":"We've got I'd I'd be right to to keep investing, keep throwing more money on it.","start":4801.235,"end":4805.475,"sentiment":"neutral","sentiment_score":-0.22702133376151323},{"text":"The the way my approach from what I've learned well, like I said, I've only just started showing a bit of interest in finance in the last twelve months, but","start":4805.475,"end":4811.7,"sentiment":"neutral","sentiment_score":-0.1255746465176344}],"sentiment":"neutral","sentiment_score":-0.16086045077637487,"channel":1,"num_words":46,"start":4801.235,"end":4811.7},{"sentences":[{"text":"Okay.","start":4811.935,"end":4812.435,"sentiment":"neutral","sentiment_score":-0.1563786268234253}],"sentiment":"neutral","sentiment_score":-0.1563786268234253,"channel":0,"num_words":1,"start":4811.935,"end":4812.435},{"sentences":[{"text":"and one of the things I read is people make the biggest mistakes when they see the market drop and they panic and they sell.","start":4812.74,"end":4819.22,"sentiment":"negative","sentiment_score":-0.4574493998289108},{"text":"Yeah.","start":4819.22,"end":4819.72,"sentiment":"neutral","sentiment_score":-0.1269010454416275},{"text":"Just referring","start":4819.7803,"end":4820.66,"sentiment":"neutral","sentiment_score":-0.06043540500104427}],"sentiment":"negative","sentiment_score":-0.4172859589702317,"channel":1,"num_words":28,"start":4812.74,"end":4820.66},{"sentences":[{"text":"Emotional","start":4820.48,"end":4820.98,"sentiment":"neutral","sentiment_score":-0.08255098760128021}],"sentiment":"neutral","sentiment_score":-0.08255098760128021,"channel":0,"num_words":1,"start":4820.48,"end":4820.98},{"sentences":[{"text":"to 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somewhat.","start":5179.785,"end":5180.4453,"sentiment":"neutral","sentiment_score":0.14803187176585197}],"sentiment":"neutral","sentiment_score":0.14803187176585197,"channel":0,"num_words":2,"start":5179.785,"end":5180.4453},{"sentences":[{"text":"comfortable.","start":5180.11,"end":5180.59,"sentiment":"neutral","sentiment_score":0.1942608654499054},{"text":"Sorry.","start":5180.59,"end":5181.07,"sentiment":"neutral","sentiment_score":0.17246566712856293},{"text":"Yeah.","start":5181.07,"end":5181.57,"sentiment":"positive","sentiment_score":0.33486396074295044}],"sentiment":"neutral","sentiment_score":0.23386349777380624,"channel":1,"num_words":3,"start":5180.11,"end":5181.57},{"sentences":[{"text":"Beautiful.","start":5181.95,"end":5182.43,"sentiment":"positive","sentiment_score":0.6168939471244812},{"text":"May you call it as a high growth investor?","start":5182.43,"end":5184.37,"sentiment":"neutral","sentiment_score":0.2328186117940479},{"text":"You I think that's if anything, I think you could even take more risk.","start":5184.5103,"end":5188.27,"sentiment":"neutral","sentiment_score":0.0923921000212431},{"text":"But just by the way, you kinda described yourself as a moderate risk taker before we kinda went through this.","start":5188.27,"end":5195.33,"sentiment":"neutral","sentiment_score":0.04661761242896319},{"text":"I would be inclined not to take a full a 100% pedal to the metal.","start":5195.6553,"end":5199.735,"sentiment":"neutral","sentiment_score":0.020842194308837256}],"sentiment":"neutral","sentiment_score":0.08899552570813793,"channel":0,"num_words":59,"start":5181.95,"end":5199.735},{"sentences":[{"text":"We can even gear stuff.","start":5199.735,"end":5200.935,"sentiment":"neutral","sentiment_score":0.1281203508377075},{"text":"We can we can do, like, leveraged assets as well.","start":5200.935,"end":5203.515,"sentiment":"neutral","sentiment_score":0.14332455545663833},{"text":"I wouldn't be going that 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property, arrears and rears, and then another between 10 to 2% worth of defensive assets.","start":5230.6953,"end":5251.64,"sentiment":"neutral","sentiment_score":0.08648700053070454},{"text":"Probably the ninety ninety twenty split's kind of a good one for you because then at least if the market's full, you still have some exposure to bonds and fixed interest assets and defensive assets, which essentially, you know, will will halt prop your portfolio up, and you won't lose as much if it were to fall.","start":5251.745,"end":5268.5996,"sentiment":"neutral","sentiment_score":0.08638674805038854},{"text":"And that'll prevent you from getting those 20% 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yeah.","start":5275.1147,"end":5275.515,"sentiment":"neutral","sentiment_score":0.026027727872133255},{"text":"I think I would.","start":5275.515,"end":5276.155,"sentiment":"neutral","sentiment_score":0.03613023925572634},{"text":"Yeah.","start":5276.155,"end":5276.655,"sentiment":"neutral","sentiment_score":0.05243182182312012}],"sentiment":"neutral","sentiment_score":0.035572604941470284,"channel":1,"num_words":7,"start":5275.1147,"end":5276.655},{"sentences":[{"text":"yeah.","start":5277.015,"end":5277.175,"sentiment":"neutral","sentiment_score":0.054559774696826935},{"text":"I think you're taking somewhere it's last time I checked SeaBus was somewhere in the eighty eighty twenty split.","start":5277.175,"end":5282.155,"sentiment":"neutral","sentiment_score":0.045064515091086686},{"text":"So just taking","start":5282.295,"end":5283.015,"sentiment":"neutral","sentiment_score":0.06755981966853142}],"sentiment":"neutral","sentiment_score":0.048411522627524704,"channel":0,"num_words":23,"start":5277.015,"end":5283.015},{"sentences":[{"text":"Yep.","start":5282.85,"end":5283.35,"sentiment":"neutral","sentiment_score":0.08273960649967194}],"sentiment":"neutral","sentiment_score":0.08273960649967194,"channel":1,"num_words":1,"start":5282.85,"end":5283.35},{"sentences":[{"text":"a little bit more aggressive approach because of the time horizon we're working with, but still having a bit of exposure to defensive assets.","start":5283.015,"end":5289.415,"sentiment":"neutral","sentiment_score":0.07695358463873465},{"text":"If you're happy with that, man, I'm happy with that.","start":5289.415,"end":5291.61,"sentiment":"positive","sentiment_score":0.4291041225194931},{"text":"I think 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we've been","start":5300.4097,"end":5300.9697,"sentiment":"neutral","sentiment_score":0.07338747630516688}],"sentiment":"neutral","sentiment_score":0.07338747630516688,"channel":0,"num_words":3,"start":5300.4097,"end":5300.9697},{"sentences":[{"text":"train driver.","start":5301.005,"end":5301.565,"sentiment":"neutral","sentiment_score":0.07177716866135597},{"text":"I'd rather that's your forte.","start":5301.565,"end":5303.3447,"sentiment":"neutral","sentiment_score":0.1905266374349594},{"text":"I'd take your word.","start":5303.565,"end":5304.765,"sentiment":"neutral","sentiment_score":0.23047615215182304},{"text":"You know?","start":5304.765,"end":5305.3447,"sentiment":"neutral","sentiment_score":0.09795983508229256}],"sentiment":"neutral","sentiment_score":0.17030860025149125,"channel":1,"num_words":13,"start":5301.005,"end":5305.3447},{"sentences":[{"text":"yeah.","start":5305.065,"end":5305.305,"sentiment":"neutral","sentiment_score":0.20467440783977509},{"text":"Oh, thank you, man.","start":5305.305,"end":5306.105,"sentiment":"positive","sentiment_score":0.6561693400144577},{"text":"I appreciate the confident vote of confidence.","start":5306.105,"end":5307.965,"sentiment":"positive","sentiment_score":0.7790605170386178},{"text":"I can tell you I would be definitely going to you to drive a crane.","start":5308.265,"end":5311.145,"sentiment":"positive","sentiment_score":0.4835774819056193},{"text":"I wouldn't have a first idea about doing that.","start":5311.145,"end":5313.065,"sentiment":"neutral","sentiment_score":0.07404270892341931}],"sentiment":"positive","sentiment_score":0.4500783887795276,"channel":0,"num_words":36,"start":5305.065,"end":5313.065},{"sentences":[{"text":"That's what makes it all go wrong.","start":5313.065,"end":5314.585,"sentiment":"neutral","sentiment_score":0.047784211047525914},{"text":"Right?","start":5314.585,"end":5315.085,"sentiment":"neutral","sentiment_score":0.13643136620521543},{"text":"But, yeah, 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to make a phone call, and sometimes I'm real busy.","start":5415.3647,"end":5420.105,"sentiment":"neutral","sentiment_score":-0.03630218544805592}],"sentiment":"neutral","sentiment_score":0.014509316347539426,"channel":1,"num_words":30,"start":5413.3647,"end":5420.105},{"sentences":[{"text":"Yeah.","start":5420.675,"end":5420.995,"sentiment":"neutral","sentiment_score":-0.04517926648259163},{"text":"No.","start":5420.995,"end":5421.155,"sentiment":"neutral","sentiment_score":-0.1328020542860031},{"text":"That's alright.","start":5421.155,"end":5421.795,"sentiment":"neutral","sentiment_score":-0.05011649802327156},{"text":"That's alright.","start":5421.795,"end":5422.355,"sentiment":"neutral","sentiment_score":0.08871274068951607},{"text":"So Oakview 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can","start":5423.81,"end":5424.05,"sentiment":"neutral","sentiment_score":0.10966136306524277}],"sentiment":"neutral","sentiment_score":0.10966136306524277,"channel":1,"num_words":2,"start":5423.81,"end":5424.05},{"sentences":[{"text":"send","start":5423.955,"end":5424.275,"sentiment":"neutral","sentiment_score":0.0983373448252678}],"sentiment":"neutral","sentiment_score":0.0983373448252678,"channel":0,"num_words":1,"start":5423.955,"end":5424.275},{"sentences":[{"text":"just we","start":5424.05,"end":5424.37,"sentiment":"neutral","sentiment_score":0.08753350377082825}],"sentiment":"neutral","sentiment_score":0.08753350377082825,"channel":1,"num_words":2,"start":5424.05,"end":5424.37},{"sentences":[{"text":"you","start":5424.275,"end":5424.355,"sentiment":"neutral","sentiment_score":0.11963403224945068}],"sentiment":"neutral","sentiment_score":0.11963403224945068,"channel":0,"num_words":1,"start":5424.275,"end":5424.355},{"sentences":[{"text":"can just go for that, and I'll point around it.","start":5424.37,"end":5425.9697,"sentiment":"neutral","sentiment_score":0.10485397353768348},{"text":"I'll still wanna make it work.","start":5425.9697,"end":5427.4297,"sentiment":"neutral","sentiment_score":0.20013528813918433}],"sentiment":"neutral","sentiment_score":0.1405844665132463,"channel":1,"num_words":16,"start":5424.37,"end":5427.4297},{"sentences":[{"text":"Beautiful.","start":5428.3203,"end":5428.8203,"sentiment":"positive","sentiment_score":0.6412993669509888},{"text":"Now Oaktree Financial.","start":5428.88,"end":5430.02,"sentiment":"neutral","sentiment_score":0.32464908560117084},{"text":"I'll send you out a calendar invite, mate.","start":5431.2,"end":5433.04,"sentiment":"neutral","sentiment_score":0.24249133840203285},{"text":"You can you can actually within that invite, I'm pretty sure you can propose a new time just for some reason doesn't con it's complex or something.","start":5433.04,"end":5440.155,"sentiment":"neutral","sentiment_score":0.1427628684926916},{"text":"But either","start":5440.5547,"end":5440.875,"sentiment":"neutral","sentiment_score":0.04998300038278103}],"sentiment":"neutral","sentiment_score":0.18316440929363415,"channel":0,"num_words":41,"start":5428.3203,"end":5440.875},{"sentences":[{"text":"Yep.","start":5440.735,"end":5441.235,"sentiment":"neutral","sentiment_score":0.05676501989364624}],"sentiment":"neutral","sentiment_score":0.05676501989364624,"channel":1,"num_words":1,"start":5440.735,"end":5441.235},{"sentences":[{"text":"way, I'll tentatively lock it in then, and then I'll get to work, put together recommendations for your super insurances, make sure you're covered, make sure you're growing better, and getting to that goal of, say, a thousand to $1,500 a week by the age of 60.","start":5440.875,"end":5454.255,"sentiment":"neutral","sentiment_score":0.1904144081029486},{"text":"But I'll work with that at the moment because you can only access super at that age.","start":5454.6904,"end":5459.1904,"sentiment":"neutral","sentiment_score":0.017034348319558537},{"text":"And then from there, we can you know, once we get that, do you see the value in our services compared to c bus, obviously?","start":5459.81,"end":5465.0903,"sentiment":"neutral","sentiment_score":0.09451110765337944},{"text":"And then as a kinda comparison projection table, I'll kinda compare one with the other, make sure that you see even net of fees that we can get you in a better position if we can.","start":5465.0903,"end":5474.175,"sentiment":"neutral","sentiment_score":0.17417636575798193},{"text":"If we can't, I'll just give you a call and just say, hey, man.","start":5474.175,"end":5476.415,"sentiment":"neutral","sentiment_score":-0.07527067166353975}],"sentiment":"neutral","sentiment_score":0.12099567307628316,"channel":0,"num_words":139,"start":5440.875,"end":5476.415},{"sentences":[{"text":"No.","start":5476.415,"end":5476.915,"sentiment":"neutral","sentiment_score":-0.2059657871723175},{"text":"It's there's no points,","start":5477.455,"end":5478.415,"sentiment":"neutral","sentiment_score":-0.16087854653596878}],"sentiment":"neutral","sentiment_score":-0.16989599466323851,"channel":0,"num_words":5,"start":5476.415,"end":5478.415},{"sentences":[{"text":"Yep.","start":5478.19,"end":5478.69,"sentiment":"neutral","sentiment_score":-0.08932571113109589}],"sentiment":"neutral","sentiment_score":-0.08932571113109589,"channel":1,"num_words":1,"start":5478.19,"end":5478.69},{"sentences":[{"text":"and the only person that's gonna win out of this if you go ahead is me because I'm gonna get paid, but you're not gonna be in a in a better position.","start":5478.415,"end":5484.9697,"sentiment":"neutral","sentiment_score":-0.11386250797659159},{"text":"So there's no point to coming aboard.","start":5485.19,"end":5486.9697,"sentiment":"neutral","sentiment_score":-0.2638424698795591},{"text":"You know what I mean?","start":5487.03,"end":5488.01,"sentiment":"neutral","sentiment_score":-0.107518270611763}],"sentiment":"neutral","sentiment_score":-0.13700202039696954,"channel":0,"num_words":44,"start":5478.415,"end":5488.01},{"sentences":[{"text":"Alright.","start":5487.63,"end":5488.13,"sentiment":"neutral","sentiment_score":0.09752149879932404},{"text":"Yep.","start":5488.27,"end":5488.77,"sentiment":"neutral","sentiment_score":0.1619984209537506}],"sentiment":"neutral","sentiment_score":0.12975995987653732,"channel":1,"num_words":2,"start":5487.63,"end":5488.77},{"sentences":[{"text":"Beautiful.","start":5489.59,"end":5490.09,"sentiment":"positive","sentiment_score":0.473698616027832},{"text":"Well, yeah, I'll send you out an invite, mate.","start":5490.3896,"end":5493.285,"sentiment":"neutral","sentiment_score":0.3271849751472473},{"text":"Absolute pleasure.","start":5493.685,"end":5494.4854,"sentiment":"positive","sentiment_score":0.6611813306808472},{"text":"I'll speak to you in a couple of weeks, Brodie.","start":5494.4854,"end":5496.565,"sentiment":"neutral","sentiment_score":0.10957896374166012},{"text":"But if there's anything else you need, don't hesitate to reach out.","start":5496.565,"end":5499.365,"sentiment":"neutral","sentiment_score":0.13971872876087824}],"sentiment":"neutral","sentiment_score":0.22097471871358507,"channel":0,"num_words":34,"start":5489.59,"end":5499.365},{"sentences":[{"text":"Alright?","start":5499.365,"end":5499.605,"sentiment":"neutral","sentiment_score":0.13320520520210266},{"text":"You got our 1300 number there in my email as well.","start":5499.605,"end":5502.345,"sentiment":"neutral","sentiment_score":0.22643361443823035}],"sentiment":"neutral","sentiment_score":0.2186645803352197,"channel":0,"num_words":12,"start":5499.365,"end":5502.345},{"sentences":[{"text":"No worries.","start":5502.505,"end":5502.985,"sentiment":"positive","sentiment_score":0.346053883433342},{"text":"Thanks for your time, Shadi.","start":5502.985,"end":5504.125,"sentiment":"positive","sentiment_score":0.751702857017517}],"sentiment":"positive","sentiment_score":0.6358031502791813,"channel":1,"num_words":7,"start":5502.505,"end":5504.125},{"sentences":[{"text":"No worries, mate.","start":5504.4854,"end":5505.205,"sentiment":"positive","sentiment_score":0.3578741252422333},{"text":"Speak to you soon.","start":5505.205,"end":5505.845,"sentiment":"positive","sentiment_score":0.39869020134210587}],"sentiment":"positive","sentiment_score":0.3811975972993033,"channel":0,"num_words":7,"start":5504.4854,"end":5505.845},{"sentences":[{"text":"I 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there.","start":5506.2646,"end":5506.745,"sentiment":"positive","sentiment_score":0.41178974509239197}],"sentiment":"positive","sentiment_score":0.41178974509239197,"channel":1,"num_words":2,"start":5506.2646,"end":5506.745},{"sentences":[{"text":"Bye.","start":5506.4854,"end":5506.9854,"sentiment":"neutral","sentiment_score":0.25578898191452026}],"sentiment":"neutral","sentiment_score":0.25578898191452026,"channel":0,"num_words":1,"start":5506.4854,"end":5506.9854},{"sentences":[{"text":"Thanks, mate.","start":5506.745,"end":5507.3047,"sentiment":"positive","sentiment_score":0.6612817347049713},{"text":"Bye.","start":5507.3047,"end":5507.8047,"sentiment":"neutral","sentiment_score":-0.11979150027036668}],"sentiment":"positive","sentiment_score":0.400923989713192,"channel":1,"num_words":3,"start":5506.745,"end":5507.8047}]},"summary":{"result":"success","short":"The speaker discusses their financial goals and objectives, including their retirement plans and investment in stocks. They emphasize the importance of establishing goals and maintaining financial freedom, including diversifying income and reducing taxable income. The speaker provides advice on various financial products and services, including retirement savings products, account-based pensions, and life insurance products. They emphasize the need for a transparent and experienced consultation with a team of experts to ensure compliance with regulations and ensure clients are in a best interests. The speaker emphasizes the importance of trusting each other and offers a fee structure for ongoing services, recommending a low growth approach for risk tolerance and risk capacity for investing. They invite a calendar meeting for a client meeting."},"intents":{"segments":[{"text":"I have Brody What, on man? the line for you. Amazing. What did he say? He just said I'm just missed a call from Savvy. So sorry. No. That's right. Please put him through. Awesome. Check. See you now. Brody, mate. David Zotto speaking. How are you?","start_word":3,"end_word":49,"intents":[{"intent":"Introduce self","confidence_score":0.018871972}]},{"text":"I I thought that the appointment was at, 10:00. I've been sitting on my computer since 09:00 this morning, dropping the kids off, and then I've just been literally looking at your research and plotting away, and I have no excuse other than That's not believing for some reason that it was 10:00. You should see my appointment's not and then I do Now I apologize completely.","start_word":69,"end_word":135,"intents":[{"intent":"Clarify appointment","confidence_score":0.0018790109}]},{"text":"I'll show you our financial services guide, our OPC services guide, and give you a little bit of an understanding about us and kind of identify where you are in the overall kind of financial freedom scope, if that makes sense. Yep.","start_word":226,"end_word":267,"intents":[{"intent":"Explain purpose","confidence_score":0.023921033},{"intent":"Show financial services guide","confidence_score":0.059616268}]},{"text":"So I'm I'm currently so I'm 30 years old. I am Yep. currently with Super, and that's just the default super company that our Mhmm. employer Yep. puts us through. Yep.","start_word":307,"end_word":337,"intents":[{"intent":"Confirm number","confidence_score":0.00031066724}]},{"text":"So what would you think would be a reasonable amount to live on? Have you ever thought about that?","start_word":855,"end_word":873,"intents":[{"intent":"Evaluate savings plan","confidence_score":0.00050722127}]},{"text":"So let's just say in a very defensive portfolio utilizing bonds, very safe investments, you wanna have a pool of money that can grow at net 5%, just for number's sakes, net 5% per annum so that you can be able to live on interest. That's true financial freedom.","start_word":1338,"end_word":1386,"intents":[{"intent":"Optimize portfolio growth","confidence_score":0.0041212877}]},{"text":"in your overall share portfolio, super, whatever it might be, we can look at ways to kind of introduce that that share money into the super environment, which is really beneficial Yep.","start_word":1414,"end_word":1445,"intents":[{"intent":"Introduce share money","confidence_score":0.115638494}]},{"text":"I I understand my shares now when I do sell them. Just just I've I've got $4 in there at the moment in these shares. I know I just started out. But, Okay. like, I I understand if I was to sell them, I'll get taxed they get added to my taxable income. Yep.","start_word":1545,"end_word":1598,"intents":[{"intent":"Sell shares","confidence_score":0.17603359}]},{"text":"I'm paying 33% tax on Yeah.","start_word":1652,"end_word":1657,"intents":[{"intent":"Verify tax discount","confidence_score":0.003309045}]},{"text":"In the recent budget, they changed it to not 50% down to 30%, then 33, but it still hasn't gone through senate. It's gone through lower house and upper house, but it still needs to actually be passed the legislation. So it's not actually confirmed yet.","start_word":1710,"end_word":1755,"intents":[{"intent":"Confirm legislation change","confidence_score":0.15797341}]},{"text":"And the fact of the matter is it takes a long time to get legislation in place within the acts to be able to make it, you know, to make it solid, to make it make it an actual legislation. And the fact Yep.","start_word":1789,"end_word":1832,"intents":[{"intent":"Explain legislation process","confidence_score":0.042978827}]},{"text":"So every dollar above 200,000 is gonna be taxed at 45% plus Medicare levy, 47%. Right?","start_word":2105,"end_word":2120,"intents":[{"intent":"Explain tax implications","confidence_score":0.024126805}]},{"text":"So would you say maybe let's just say if you wanted to salary sacrifice 5%, that's a lot based on your income. Because you're already contributing your employer puts a new SGC contribution of 12% every year. That's Yep.","start_word":2667,"end_word":2705,"intents":[{"intent":"Clarify 5% contribution","confidence_score":7.1263213e-7}]},{"text":"You can carry forward the last five years of unused cap or concessional cap.","start_word":2830,"end_word":2843,"intents":[{"intent":"Carry forward cap","confidence_score":0.004334614}]},{"text":"Strategy, we do closer to the time of retirement because you can access the money sooner.","start_word":2916,"end_word":2931,"intents":[{"intent":"Access money","confidence_score":0.4998876}]},{"text":"So let's just go if you got a 150 spare cash flow $150 per cash flow a week, then, you know, why don't you kinda diversify? Why don't you put a 100 towards the mortgage?","start_word":2978,"end_word":3012,"intents":[{"intent":"Diversify savings","confidence_score":0.12611674}]},{"text":"Because that if you do an amortization calculator, you'll be amazed at how much that reduces your interest repayments, just a $100 a week.","start_word":3013,"end_word":3036,"intents":[{"intent":"Reduce interest repayments","confidence_score":0.49469036}]},{"text":"Because that if you do an amortization calculator, you'll be amazed at how much that reduces your interest repayments, just a $100 a week. I can do all of that for you as well. Yes.","start_word":3013,"end_word":3047,"intents":[{"intent":"Calculate amortization calculator","confidence_score":0.063715935}]},{"text":"So and, like, my I try and pay an extra $260 a week off the mortgage because I understand that the more I put in there, Yep.","start_word":3138,"end_word":3164,"intents":[{"intent":"Pay extra money","confidence_score":0.14733662}]},{"text":"the less interest I'm paying on that large amount of money. So Correct.","start_word":3166,"end_word":3178,"intents":[{"intent":"Prevent debt expenses","confidence_score":1.14729914e-7}]},{"text":"So we can utilize strategies to kinda see what salary sacrificing looks like and how much you'll need to put in if for some reason we weren't able to achieve that projected amount.","start_word":3504,"end_word":3536,"intents":[{"intent":"Utilize strategies","confidence_score":0.387267}]},{"text":"So you wanted to build up some sort of share portfolio, which you're comfortable managing.","start_word":3571,"end_word":3585,"intents":[{"intent":"Set up portfolio","confidence_score":0.37060612},{"intent":"Manage portfolio","confidence_score":0.032154694}]},{"text":"And, yeah, if you if you wanna set up and refinance with Macquarie, I love Macquarie. They're an amazing bank because of the products that they have. So the products, like you said, many different or you can link something like 28 accounts, bank cash bank accounts to an offset one offset loan. It's insane.","start_word":3751,"end_word":3805,"intents":[{"intent":"Refinance with macquarie","confidence_score":0.18425786}]},{"text":"But, again, we're we're I'll get you get I'll give you an understanding of our our services and what they cost and all the bits and pieces as well because it's kinda like a tiered approach. That makes sense. Yes.","start_word":3870,"end_word":3909,"intents":[{"intent":"Understand services","confidence_score":0.2833603}]},{"text":"Well, I've got a pretty good idea. We've already got all your fact finds and risk profiles and things like that. But is there anything else?","start_word":3911,"end_word":3936,"intents":[{"intent":"Seek information","confidence_score":0.002389434}]},{"text":"So we're looking at debt recycling. We're looking at some want to retire around about I'm I'm gonna aim for 5050 to '55, be debt free, and hopefully hang up the boots, and then live off the share portfolio to the age of 60, if not further, and then start utilizing superannuation as a drawdown Yeah.","start_word":3937,"end_word":3992,"intents":[{"intent":"Understand debt recycling","confidence_score":0.39711395},{"intent":"Explore retirement goals","confidence_score":0.02153197}]},{"text":"It sounds like a plan. Like I said, re retiring is a bit of a bit of a dream, I suppose, but the the main goal of of to get the mortgage gone. Yep.","start_word":4003,"end_word":4036,"intents":[{"intent":"Get rid of mortgage","confidence_score":0.005549139},{"intent":"Get rid of mortgage","confidence_score":0.05448718}]},{"text":"Is there any way that you would, maybe on your phone or something, be able to access your emails? yeah.","start_word":4338,"end_word":4357,"intents":[{"intent":"Access documents","confidence_score":0.3120618}]},{"text":"If you were to if you're borrowing that money, how much money are you gonna pull out of that property for innovation? Is that a $100?","start_word":4963,"end_word":4988,"intents":[{"intent":"Invest money","confidence_score":0.003885714}]},{"text":"So you're looking at a $500,000 property purchase if you wanted, like, a units or something like that, like an investment property.","start_word":5295,"end_word":5316,"intents":[{"intent":"Discuss property purchase options","confidence_score":0.12560166}]},{"text":"Now my this email, it's nice and short and sweet, but it's somewhere up there in the ether the the web clouds or whatever the stuff. I don't really understand how it works, but it's should be on its way to your email account now. So maybe just hit refresh or check junk or something to send in from osavvy@oqfinancialcom.au.","start_word":5631,"end_word":5690,"intents":[{"intent":"Update email","confidence_score":0.09490901}]},{"text":"Maybe check your junk. I know that sometimes it is a I new found email. it.","start_word":5873,"end_word":5888,"intents":[{"intent":"Check junk","confidence_score":0.103669085},{"intent":"Check junk","confidence_score":0.17936058}]},{"text":"That's alright. Just move it to your inbox because then all future correspondence will go straight to your inbox as well. Yeah.","start_word":5907,"end_word":5928,"intents":[{"intent":"Move email to inbox","confidence_score":0.025783256}]},{"text":"So this is just gives you an idea of why we started the company. You Okay.","start_word":6045,"end_word":6060,"intents":[{"intent":"Describe company history","confidence_score":0.001844528}]},{"text":"And that's why we start the company on the second page with the vision of being the most trusted financial aid firm in Australia, sticking to a core mission of just, you know, providing us down long term holistic financial strategies to achieve clients or, should I say, couples, families, and individuals and overall clients that have been achieve their financial goals.","start_word":6340,"end_word":6401,"intents":[{"intent":"Streamline investment strategy","confidence_score":0.0000067765745}]},{"text":"We just refer you over to an accountant if you don't have one.","start_word":6811,"end_word":6823,"intents":[{"intent":"Refer to accountant","confidence_score":0.05769504}]},{"text":"Your super is growing well for retirement, but at the same time, insurances need to be right and cover you for just the right amount, and we assess that every year to cover you for the rest of the time in case something were to happen. Right?","start_word":6954,"end_word":7000,"intents":[{"intent":"Assess insurance coverage","confidence_score":0.21335499}]},{"text":"So we can calculate Yep. the exact dollar figure that you actually need and what your life's worth.","start_word":7077,"end_word":7094,"intents":[{"intent":"Calculate","confidence_score":0.15589452}]},{"text":"Yeah.","start_word":7204,"end_word":7204,"intents":[{"intent":"Pay","confidence_score":0.35432965}]},{"text":"So over time, as your wealth grows, we wanna reduce that some insured insure insurance policy to make sure that you're paying as little as possible in the event that something doesn't happen, which is the best case event. Right? And Yep.","start_word":7339,"end_word":7380,"intents":[{"intent":"Reduce insurance","confidence_score":0.15457061}]},{"text":"try and get that down as much as possible so we can address all that. But after that, once we once we set up those foundational roots, then we move on to this the area we like to call the trunk, the foundations. So this needs to be really sturdy.","start_word":7381,"end_word":7430,"intents":[{"intent":"Address concerns","confidence_score":0.12966391}]},{"text":"You need to get on top of your cash flow and budgeting. Have you got a budget?","start_word":7432,"end_word":7448,"intents":[{"intent":"Make money decisions","confidence_score":0.007576133}]},{"text":"And the reason for that is because we're the only country in the world where you can deduct a 100% of the investment interest that we pay. And where else does that?","start_word":7815,"end_word":7846,"intents":[{"intent":"Deduct taxes","confidence_score":0.5906903}]},{"text":"So what we wanna do is create that relationship, get the family home or private place residence, pay off to a point where you can leverage to get an another investment, and then just build from there and use OPM.","start_word":8047,"end_word":8086,"intents":[{"intent":"Build relationship","confidence_score":0.061834365},{"intent":"Use opm for investments","confidence_score":0.00044913773}]},{"text":"I'll I'll give a brief description, and let me know if it kind if if it makes sense.","start_word":8105,"end_word":8122,"intents":[{"intent":"Write description","confidence_score":0.0015558347}]},{"text":"But if you take the same $10,000 and you put it to you go to an investment bank or just any normal bank, JPMorgan Chase, something like that, you go, hey. I wanna borrow $90,000 to make my total value of my portfolio a 100.","start_word":8168,"end_word":8212,"intents":[{"intent":"Automate debt management","confidence_score":0.0014771051}]},{"text":"So the next step would be looking at that branching out region where you really start accelerating borrowing money against equity so that you can build a portfolio that's all working harder for you.","start_word":8552,"end_word":8585,"intents":[{"intent":"Start borrowing money","confidence_score":0.032622557},{"intent":"Create portfolio","confidence_score":0.0019448649},{"intent":"Start working on portfolio","confidence_score":0.002321706}]},{"text":"So that not only your share portfolio that you're building up, but let's say a property or commercials, property or factories, you know, you can you can really start generating some good income from that where you can maybe go part time or work as a great driver.","start_word":8586,"end_word":8633,"intents":[{"intent":"Maximize income","confidence_score":0.48035794}]},{"text":"What happens is you sell it, you gotta pay tax. You gotta pay capital gains tax, and that's nowhere near as beneficial if it passes at 30% instead of 50% capital gains tax discount. Right? So we work our ways to try and mitigate that liability as much as humanly possible with TTR strategies to the transition to retirement strategies, trust structures, self managed super funds that are in there as well.","start_word":8759,"end_word":8830,"intents":[{"intent":"Manage assets","confidence_score":0.091251224}]},{"text":"So we work our ways to try and mitigate that liability as much as humanly possible with TTR strategies to the transition to retirement strategies, trust structures, self managed super funds that are in there as well.","start_word":8794,"end_word":8830,"intents":[{"intent":"Manage liability","confidence_score":0.13305418},{"intent":"Implement trust structures","confidence_score":0.07947227}]},{"text":"Any sort of Social Security strategies, if you can be in a position to utilize government pensions and things or Social Security benefits, they do it because it's the same tax dollar bills that you're paying for it in the first place.","start_word":8831,"end_word":8872,"intents":[{"intent":"Utilize government pensions","confidence_score":0.2327668},{"intent":"Utilize social security benefits","confidence_score":0.054048903}]},{"text":"And then after you've done all that that whole process, you get to the the seeding stage.","start_word":8890,"end_word":8906,"intents":[{"intent":"Steadily work towards seeding","confidence_score":0.000006196404}]},{"text":"My business partner, Bart, he does already practice. He worked from the background and does a lot of the stuff that I hate, like the accounts and whatever else. So we work well together.","start_word":9204,"end_word":9237,"intents":[{"intent":"Demonstrate team's abilities","confidence_score":0.00020101784}]},{"text":"So you can imagine the team I think we got about 43 employees. The whole purpose of showing you that is to show depth of company so that, you know, if I'm not available for whatever reason, if you wanna reach out and just get in touch with me, have a chat or do an annual review, anything along those lines, just just a general catch up.","start_word":9273,"end_word":9339,"intents":[{"intent":"Show company depth","confidence_score":0.3787233}]},{"text":"The whole purpose of showing you that is to show depth of company so that, you know, if I'm not available for whatever reason, if you wanna reach out and just get in touch with me, have a chat or do an annual review, anything along those lines, just just a general catch up.","start_word":9285,"end_word":9338,"intents":[{"intent":"Reach out","confidence_score":0.42133555}]},{"text":"I'm more than welcome to give us a call at any time. But if I'm not available and it's important, there will always be someone there to help you out. Yep.","start_word":9339,"end_word":9369,"intents":[{"intent":"Help out","confidence_score":0.28826997},{"intent":"Help out","confidence_score":0.22803317},{"intent":"Provide advice","confidence_score":0.010899246}]},{"text":"But that's a little bit of a breakdown on what the we what our license is and that's that AFSL. But within that, we are regulated under the Corporations Act, ASIC, APRA, absolutely everybody under the sun to make sure that we can't run away with your money or wander us or anything like that. Okay?","start_word":9643,"end_word":9698,"intents":[{"intent":"Manage account.","confidence_score":6.0603173e-7}]},{"text":"And then how to connect with us is a little bit more about our information of compliance manager.","start_word":9699,"end_word":9716,"intents":[{"intent":"Connect with compliance manager","confidence_score":0.26229304}]},{"text":"So and there's nothing worse than referring an existing client that you've done the strategy for and built a relationship with like yourself, let's say.","start_word":9834,"end_word":9858,"intents":[{"intent":"Refer existing client","confidence_score":0.6317396}]},{"text":"And as far as I'm concerned, FIO is more like commercial lending and more specialized kind of services for lending money.","start_word":10020,"end_word":10040,"intents":[{"intent":"Educate fio","confidence_score":0.000052077325}]},{"text":"And then if you just but if you just wanted to invest in a portfolio yourself, like your current share portfolio, It's if you wanna use a platform, we can give advice on all those shares as well as an IDPS, invest direct portfolio service that we manage.","start_word":10631,"end_word":10678,"intents":[{"intent":"Guide portfolio investments","confidence_score":0.0040649865}]},{"text":"Anything you want along the financial scope, just give me a call. That's what I'm here for. Then we'll make it up. Alright? Five, how we provide advice. We'll go through this contact call, then we'll book in the time, maybe two weeks time, to go through the statement advice and the recommendations.","start_word":10782,"end_word":10834,"intents":[{"intent":"Book call","confidence_score":0.28250536}]},{"text":"Five, how we provide advice. We'll go through this contact call, then we'll book in the time, maybe two weeks time, to go through the statement advice and the recommendations.","start_word":10804,"end_word":10833,"intents":[{"intent":"Provide advice","confidence_score":0.65141284}]},{"text":"But if you do proceed and you see the value in our services and advice provided, then you'll sign ongoing well, a HCP authority to proceed and all the documents, and then we'll set everything up and implement everything, do all the legwork as part of that fee.","start_word":10855,"end_word":10902,"intents":[{"intent":"Follow procedures","confidence_score":0.0032140082},{"intent":"Sign agreement","confidence_score":0.08397915}]},{"text":"And then keeping you on track, we do quarterly updates and full comprehensive annual reviews every year with yourself to make sure that we're still on track for your goals. Yep.","start_word":10903,"end_word":10933,"intents":[{"intent":"Manage goals","confidence_score":0.0036151793}]},{"text":"Now the fees and charges. So we are professional service. We do charge a professional service fee. You know, you somehow, you need to pay back all those university degrees, which is almost a masters, but we like to be fair as well. So we we like to set up these fees and engagements for what the work involves to set up a statement of advice.","start_word":10935,"end_word":11000,"intents":[{"intent":"Set up fees","confidence_score":0.36066455}]},{"text":"So we are professional service.","start_word":10940,"end_word":10944,"intents":[{"intent":"Assign charge","confidence_score":0.000013142637}]},{"text":"That's complimentary.","start_word":11092,"end_word":11093,"intents":[{"intent":"Represent insurance","confidence_score":0.000010240356}]},{"text":"We'll draw up a statement of advice. If you only wanna scope those in, we'll draw up a statement of advice for free so that we can show you value.","start_word":11094,"end_word":11123,"intents":[{"intent":"Provide statement of advice","confidence_score":0.23566018}]},{"text":"So if you're happy with just, you know, getting complimentary letter of engagement, complimentary statement of advice, and just make sure that we can actually provide value, then I'll go the roots if you're happy with that. Yeah.","start_word":11332,"end_word":11369,"intents":[{"intent":"Provide statement of advice","confidence_score":0.011744643}]},{"text":"proceed for any of the strategies, there's an implementation fee that's taken out of super. We can charge it out of your super fund.","start_word":11549,"end_word":11572,"intents":[{"intent":"Charge fee","confidence_score":0.40741867}]},{"text":"if I was in but if I was in your position, I would get the complimentary statement of advice because I don't see the value in paying paying $1,650. So $1,500 plus GST for just saying, yeah, put this much money into an offset account when you're already Yeah.","start_word":11688,"end_word":11736,"intents":[{"intent":"Provide statement advice","confidence_score":0.032613877}]},{"text":"So if we manage your superannuation and we manage your assets or share portfolios, we charge a tiered structure percentage base.","start_word":11810,"end_word":11830,"intents":[{"intent":"Manage assets","confidence_score":0.3651487}]},{"text":"So for that reason, that kind of fee structure for an ongoing service, I don't agree with because it directly conflicts with our vision of being trusted.","start_word":11948,"end_word":11974,"intents":[{"intent":"Discuss fee structure","confidence_score":0.06375096}]},{"text":"So, essentially, 1.25. It's 1.5%, 1.25, one, and then one point 0.75 tiered up, but then our GST is what And those is numbers that so are. is that is that an annual fee based on that percentage? Correct.","start_word":12220,"end_word":12258,"intents":[{"intent":"Consolidate fee and monthly expenses","confidence_score":0.0000040473055}]},{"text":"Do you have any questions about that? Yeah.","start_word":12581,"end_word":12588,"intents":[{"intent":"Ask questions","confidence_score":0.013093576}]},{"text":"That's Or that's I got a better understanding of that now. Yeah.","start_word":12589,"end_word":12600,"intents":[{"intent":"Confirm understanding","confidence_score":0.17716856},{"intent":"Confirm understanding","confidence_score":0.09148448},{"intent":"Confirm understanding","confidence_score":0.030363353}]},{"text":"Thanks. yeah. Beautiful.","start_word":12601,"end_word":12603,"intents":[{"intent":"Express gratitude","confidence_score":0.08416589}]},{"text":"Wanna make sure that you don't get any surprises when we do present the statement of advice. And just so you're aware, when we do the calculations and projections for super, we take into account all these fees as well as the as well as inflation. So it's gonna be that result's gonna be in the in today's dollars value. Yep. Cool.","start_word":12606,"end_word":12667,"intents":[{"intent":"Explain statement of advice","confidence_score":0.027726887}]},{"text":"Well, it depends.","start_word":12693,"end_word":12695,"intents":[{"intent":"Clarify portfolio preferences","confidence_score":0.00028646115}]},{"text":"We we've got an ASL. We can recommend I can recommend from Sunsuper all the way up to, I don't know, some Nigerian pension fund that invests in lemon trees in Zimbabwe.","start_word":12696,"end_word":12727,"intents":[{"intent":"Suggest alternatives","confidence_score":0.0027858112},{"intent":"Offer recommendation","confidence_score":0.017122833}]},{"text":"Okay.","start_word":12888,"end_word":12888,"intents":[{"intent":"Suggest changes","confidence_score":0.00017026863}]},{"text":"You're paying us paying us for a service. yep.","start_word":12945,"end_word":12953,"intents":[{"intent":"Explain benefits of service","confidence_score":0.037646234}]},{"text":"But when it comes to the product, I just have to find out if it's suitable for you because that's the one of the one of the hard things with running your own license and being able to recommend any product on the planet is that exact thing, being able to recommend every any product on the planet.","start_word":12991,"end_word":13048,"intents":[{"intent":"Recommend products","confidence_score":0.058545996}]},{"text":"And whatever product that is, I don't care. It doesn't bother me. But it's just whatever that product is, it's probably gonna be an Australian retail fund that's listed or something along those lines that we know has good backing. It's not gonna go bust anytime soon, things like that. Yep.","start_word":13089,"end_word":13139,"intents":[{"intent":"Express interest in products","confidence_score":0.00039571594}]},{"text":"We will we will send you out a what's called a Superchoice nomination form, and we'll get we'll go get you we'll send that out by email and hard pack. We'll give you a real welcome pack. You can either have that form where that form will be in that hard pack, but we will also send it via email.","start_word":13176,"end_word":13235,"intents":[{"intent":"Provide form","confidence_score":0.0025266516}]},{"text":"Beautiful.","start_word":13277,"end_word":13277,"intents":[{"intent":"Say goodbye","confidence_score":0.0008959988}]},{"text":"The only one we can't do is trauma. Trauma policies cover you gotta pay out of your back pocket, but it sounds like a trauma policy it covers things like heart attacks, cardiovascular disease, and which is which heart attacks are cardiovascular disease, and strokes and cancers. Big one.","start_word":13310,"end_word":13358,"intents":[{"intent":"Explain payment options","confidence_score":0.0004381587}]},{"text":"Trauma policies cover you gotta pay out of your back pocket, but it sounds like a trauma policy it covers things like heart attacks, cardiovascular disease, and which is which heart attacks are cardiovascular disease, and strokes and cancers. Big one.","start_word":13317,"end_word":13357,"intents":[{"intent":"Discuss policy benefits","confidence_score":0.12503794}]},{"text":"It's another thing about the percentage based ongoing fee. You're not gonna get invoiced for when you speak to me. So you can call me every day if you want.","start_word":13462,"end_word":13491,"intents":[{"intent":"Discuss fee","confidence_score":0.26054937}]},{"text":"So you can call me every day if you want.","start_word":13482,"end_word":13491,"intents":[{"intent":"Offer assistance","confidence_score":0.0019891546}]},{"text":"What are you gonna do for the other six months? Yeah.","start_word":13669,"end_word":13679,"intents":[{"intent":"Discuss coverage for other periods","confidence_score":0.0000069154057}]},{"text":"So what we can do is we can introduce a waiting period, Scott. So we can structure that policy that we're gonna recommend for you to have a six month waiting period.","start_word":13684,"end_word":13715,"intents":[{"intent":"Structure policy","confidence_score":0.38356754},{"intent":"Have waiting period","confidence_score":0.008783742}]},{"text":"of the fees.","start_word":13884,"end_word":13886,"intents":[{"intent":"Calculate fees","confidence_score":0.20019254}]},{"text":"But last thing is point 11, complaints handling, and then just backfire with them. So the complaints handling.","start_word":13980,"end_word":13997,"intents":[{"intent":"Resolve complaints handling","confidence_score":0.0114873815}]},{"text":"What happens if you give your super to us and we've we're managing and you find out you got no super in your account because I've run away with it to I think it was The Bahamas and pina coladas or something.","start_word":14008,"end_word":14049,"intents":[{"intent":"Take super super","confidence_score":0.00039592077}]},{"text":"If The agree the the four things is, one, your risk profile, what you come out of as from a quantitative qualitative to convert into a quantitative analysis.","start_word":14542,"end_word":14569,"intents":[{"intent":"Analyze portfolio risks","confidence_score":0.025776535}]},{"text":"Now it says green is long term bonds. As you can see, they haven't been doing too well lately.","start_word":14728,"end_word":14746,"intents":[{"intent":"Analyze assets","confidence_score":0.00084623334}]},{"text":"So even in the riskiest assets, if your investment time horizon is ten years, then you can you can essentially take as much risk as you like because you're looking at about a six year time horizon for a full growth portfolio. Does that make sense? Or Yeah.","start_word":15100,"end_word":15147,"intents":[{"intent":"Analyze investment time horizon requirements","confidence_score":0.00001845477}]},{"text":"But based on that way, you'd how would you feel if in six months after investing, you find out that your portfolio in supers decreased by 20%? What do you do?","start_word":15551,"end_word":15581,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.011728935}]},{"text":"what do you think What's of what's the happening? the market?","start_word":15968,"end_word":15978,"intents":[{"intent":"Analyze market and market conditions","confidence_score":0.0000018393534}]},{"text":"This is one of those stupid questions, but what kind of return do you expect to achieve with investing with us?","start_word":16175,"end_word":16195,"intents":[{"intent":"Ask questions","confidence_score":0.042752378}]},{"text":"And how much or next question is I'm gonna ask that for you because what kind of income do you expect to receive from your investments?","start_word":16236,"end_word":16261,"intents":[{"intent":"Understand income","confidence_score":0.034859825}]},{"text":"So you just wanna accumulate the biggest pool as possible in an environment like Super so that when you get to actually drawing down on it or receiving an income on a larger pool, which means more income, you wanna be you want it to be as tax effective as possible. Right?","start_word":16328,"end_word":16379,"intents":[{"intent":"Accumulate pools","confidence_score":0.00023269028}]},{"text":"So you just wanna accumulate the biggest pool as possible in an environment like Super so that when you get to actually drawing down on it or receiving an income on a larger pool, which means more income, you wanna be you want it to be as tax effective as possible. Right? Yep.","start_word":16328,"end_word":16380,"intents":[{"intent":"Reinvest","confidence_score":0.001086699}]},{"text":"Now have you thought about taking out a loan to invest?","start_word":16460,"end_word":16470,"intents":[{"intent":"Consider borrowing","confidence_score":0.26338},{"intent":"Evaluate loan options","confidence_score":0.005550094}]},{"text":"Have you thought about taking out a loan to invest? Would you say, one, you have borrowed or open borrowing open to borrowing like a margin loan for stocks and managed funds? Would you next is have you have borrowed or open to borrowing for investment property, but not stocks? Or two or the third one is you're only happy to borrow for a private place of residence, and that's it.","start_word":16474,"end_word":16544,"intents":[{"intent":"Explain borrowing methods","confidence_score":0.001413185}]},{"text":"Would So you borrow I was for trying a to understand those questions, but that's I alright.","start_word":16546,"end_word":16562,"intents":[{"intent":"Understand questions","confidence_score":0.0843303}]},{"text":"Would So you borrow I was for trying a to understand those questions, but that's I alright. will be I will be looking to borrow, like, soon to invest if that is one Correct.","start_word":16546,"end_word":16579,"intents":[{"intent":"Borrow","confidence_score":0.31429142}]},{"text":"will be I will be looking to borrow, like, soon to invest if that is one Correct.","start_word":16562,"end_word":16578,"intents":[{"intent":"Evaluate investment options","confidence_score":0.0011305932}]},{"text":"But of that's for an investment your property. Right? questions.","start_word":16579,"end_word":16588,"intents":[{"intent":"Discuss investments","confidence_score":0.0031259547}]},{"text":"If you're paying us, we can we can manage those. We could create a portfolio with that as well after we set the root stage up. So it's Yeah.","start_word":16709,"end_word":16737,"intents":[{"intent":"Manage assets","confidence_score":0.041353382}]},{"text":"Would you say that you're, one, comfortable borrowing for investments, but aware of are aware of the risks?","start_word":16862,"end_word":16879,"intents":[{"intent":"Understand risks","confidence_score":0.10070743}]},{"text":"Would you say that you're, one, comfortable borrowing for investments, but aware of are aware of the risks? Would you say that you're somewhat comfortable and kinda cautious? Would you say that you're really hesitant in doing something like that, or you say you're tempted to do it? I'd say I'll be reasonably confident. Yeah. Yeah.","start_word":16862,"end_word":16917,"intents":[{"intent":"Evaluate comfort","confidence_score":0.0013056856}]},{"text":"We can we can do, like, leveraged assets as well.","start_word":16988,"end_word":16997,"intents":[{"intent":"Explain investment options","confidence_score":0.00020900916}]},{"text":"Now the last thing I wanna do is book in some time in a couple of weeks. When is a good time for you? Does this time kind of suit you, or would you prefer another time? Or Look.","start_word":17546,"end_word":17584,"intents":[{"intent":"Book consultation","confidence_score":0.34807244}]},{"text":"Was that is Wednesday a good day for you? Or yeah.","start_word":17630,"end_word":17640,"intents":[{"intent":"Ensure availability","confidence_score":0.00026096113}]},{"text":"I'll send you out a calendar invite, mate. You can you can actually within that invite, I'm pretty sure you can propose a new time just for some reason doesn't con it's complex or something. But either Yep.","start_word":17711,"end_word":17748,"intents":[{"intent":"Propose new appointment","confidence_score":0.05933385},{"intent":"Propose new time","confidence_score":0.25976604},{"intent":"Propose new time","confidence_score":0.25637716},{"intent":"Propose new time","confidence_score":0.32001007},{"intent":"Propose new time","confidence_score":0.07467574}]},{"text":"way, I'll tentatively lock it in then, and then I'll get to work, put together recommendations for your super insurances, make sure you're covered, make sure you're growing better, and getting to that goal of, say, a thousand to $1,500 a week by the age of 60.","start_word":17749,"end_word":17795,"intents":[{"intent":"Lock in invitation","confidence_score":0.06502612}]},{"text":"And then from there, we can you know, once we get that, do you see the value in our services compared to c bus, obviously?","start_word":17813,"end_word":17837,"intents":[{"intent":"Promote services","confidence_score":0.0007098067},{"intent":"Show value","confidence_score":0.002614602}]}]},"sentiments":{"segments":[{"text":"Caden. Caden. Hello. I have Brody What, on man? the line for you.","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.028482433408498764},{"text":"Amazing.","start_word":13,"end_word":13,"sentiment":"positive","sentiment_score":0.41185224056243896},{"text":"What did he say? He just said I'm just missed a call from Savvy. So sorry. No. That's right. Please put him through.","start_word":14,"end_word":36,"sentiment":"neutral","sentiment_score":-0.042865995317697525},{"text":"Awesome.","start_word":37,"end_word":37,"sentiment":"positive","sentiment_score":0.4699099063873291},{"text":"Check. See you now. Brody, mate. David Zotto speaking. How are you? Sebi, hang on, mate. I'm well, man. I'm well.","start_word":38,"end_word":58,"sentiment":"neutral","sentiment_score":0.15291063487529755},{"text":"Thank you for asking.","start_word":59,"end_word":62,"sentiment":"positive","sentiment_score":0.39794403314590454},{"text":"May this is entirely on me. I I thought that the appointment was at, 10:00. I've been sitting on my computer since 09:00 this morning, dropping the kids off, and then I've just been literally looking at your research and plotting away, and I have no excuse other than That's not believing for some reason that it was 10:00. You should see my appointment's not and then I do Now I apologize completely. That is entirely on me, and I've got no excuse, to be honest. No. That's for my digest.","start_word":63,"end_word":153,"sentiment":"neutral","sentiment_score":-0.22396792471408844},{"text":"Beautiful.","start_word":154,"end_word":154,"sentiment":"positive","sentiment_score":0.3729113340377808},{"text":"Now I understand you already spoke to my colleague. Madison, you've gone through a bit of a fact find. Again, as part of this call is just, obviously, introducing myself, getting a better understanding of yourself, you know, your goals, your objectives, what what the reason why you're reaching out to us. And and then from there, we'll we'll essentially go through once I know a little bit more about you. I'll show you our financial services guide, our OPC services guide, and give you a little bit of an understanding about us and kind of identify where you are in the overall kind of financial freedom scope, if that makes sense. Yep. Yep. Beautiful. So, mate, let me know a little bit more about you. I've got a little bit of a rundown from the notes from Maddie. But, yeah, what what what brought you to reaching out to us? Okay. So I'm I'm currently so I'm 30 years old. I am Yep. currently with Super, and that's just the default super company that our Mhmm. employer Yep. puts us through. Yep. Construction and building. Yep. Yep. Yep. So a couple of folks I work with actually recommended me to to give you guys a call to see what you got The to offer soil. in terms of Yeah. a long term goal, I suppose. So Yeah. Yep. Okay. Well yeah. So with with C buses, with my current value mhmm. to Cbus, they I've I've projected to have $800 by the time '67, and then my death benefit's only $200. It seems a little bit low. So Yep. Yep. Okay. Yeah. It is a bit slow looking at your primary place of residence debts. That's 470,000. And then you also got the the missus car. So, yeah, with insurances, they just this one of those things you pay all this money for the best outcomes, nothing happens. You know, if nothing happens, you live a happy, healthy life, and that's great because you don't have to claim on anything severe. But Yep. if that's the case, then you don't get a refund for the premiums you paid your entire life.","start_word":155,"end_word":516,"sentiment":"neutral","sentiment_score":0.021802168241727746},{"text":"So it's a horrible financial decision if nothing happens, if the best outcome Yep.","start_word":517,"end_word":530,"sentiment":"negative","sentiment_score":-0.6231752634048462},{"text":"happens. Right? So we need we need to when it comes to insurances, we do we do the full scope of work. So super as well as insurances all the way up to, you know, marginal lending against properties for shares. We can do pretty much anything on the financial scope. That's all Yep. we're licensed to do. And I guess it's it's it's nice to know that we're getting referred over from word-of-mouth, so we must be doing something right, which is nice. Yep. But, yeah, you you're looking at your looking at your liabilities, mate. You you it looks like you're underinsured. But keep in mind, you've also got the super balance that would get paid out in your event passing as well. So that Yep. 200 So, and 8,000 plus the $1.20. Yep. yeah, so another thing too, currently, in the last twelve months, I've shown a bit of interest in the in the share market. So I've actually been currently Beautiful. investing in the stocks.","start_word":531,"end_word":699,"sentiment":"neutral","sentiment_score":0.11658101634690042},{"text":"Beautiful. Yep.","start_word":700,"end_word":701,"sentiment":"positive","sentiment_score":0.5514445304870605},{"text":"So that and that's another thing I wanna factor into my thirty year plan is to how I go about, you know, investing. I've come up with a half an idea of investing money now so I can semi retire off stocks in my late fifties until I reach my preservation age to access my super.","start_word":702,"end_word":757,"sentiment":"neutral","sentiment_score":0.20919401943683624},{"text":"And that's just somewhat of a plan I've come up with. Mate, that's a very good plan. Very good plan.","start_word":758,"end_word":777,"sentiment":"positive","sentiment_score":0.531730055809021},{"text":"Alright. So once you retire, late late fifties on shares, and then you when you hit that preservation age of 60 years old at the moment, don't know what the government will change it to by the time we get there. But, yeah, when you get to age 60 at the moment, it's preservation, so you can start living on that super. I guess my next question is we've got the time horizon that we're working with. So what would you think would be a reasonable amount to live on? Have you ever thought about that? Or so To let's leave say on currently. yeah. Or or in today's dollars. So it's gonna be dollar for dollar. In future years, we'll take inflation into accounts and every calculation. But if it was in today's dollars and you're hit the age of 60, have you thought if you got no debts, no mortgage, no nothing, have you thought about what that number would be? Use usually, clients say about $1,000 a week is a good is a good amount with no mortgage and no liabilities. That's about two to three overseas holidays a year with no dependents. Yeah. Yeah. Look. That's that's a really hard one to answer because I I'm know. I'm quite a splurge. I like to spend money. I've got a couple of kids. I like to spoil them. You know? But Yeah. That but is fair. what you That's say, we we hard to say because I I got a I wanna get fair. over my head. So my my weekly biweekly pay gets gets drawn down pretty quick. So we'll go ahead. So I'd say a thousand bucks, $1,500 a week and probably plenty for someone that doesn't have any debt. Yep. Yep. Okay.","start_word":778,"end_word":1075,"sentiment":"neutral","sentiment_score":0.02623463743335049},{"text":"Well, just because you said that you splurge, let's go the higher end because it's a goal.","start_word":1076,"end_word":1092,"sentiment":"positive","sentiment_score":0.4374038279056549},{"text":"Right? And so let's go, say, $1,500.","start_word":1093,"end_word":1099,"sentiment":"neutral","sentiment_score":0.2291020303964615},{"text":"So if you're looking at $1,500 a week, there's fifty two weeks in a year, that's $78,000 in a year that we wanna try and achieve as a goal.","start_word":1100,"end_word":1128,"sentiment":"positive","sentiment_score":0.3871197402477264},{"text":"Right? So Yep. what's your super tracking for, say, 800,000? Was it 800,000? I think that's what it said. Yeah. So I currently got a 117 in there and on, yeah, 30. Correct. So Yeah. So it well, look. Let's work on what c buss's projections look like. We obviously wanna it's not really about our job's not really about looking at investments and portfolios and just getting the best return we can. There's always needs to be a philosophy or a a a purpose behind the investment Because Yeah. for the fact of the matter is if you reach that purpose, let's say a certain number or what you want the money for to purchase something else, whatever that purpose is, if you can achieve that sell up, don't take the risk because you've achieved the goal. That's what a lot Yep. of investors lose scope of that I've seen at least in my career. So it's really important to kind of establish these goals. So looking at, say, $1,500 a week to $78,000 in a year, let's just say a return of 5%, which is about, what, 65 basis points more than the cash rate at the moment. So net of fees, you know, fees about 11%. So let's just say in a very defensive portfolio utilizing bonds, very safe investments, you wanna have a pool of money that can grow at net 5%, just for number's sakes, net 5% per annum so that you can be able to live on interest.","start_word":1129,"end_word":1382,"sentiment":"neutral","sentiment_score":0.12157321721315384},{"text":"That's true financial freedom.","start_word":1383,"end_word":1386,"sentiment":"positive","sentiment_score":0.3815687894821167},{"text":"Right? If you want $78,000 a year, divide that by 5% up, that means that we need a balance of 1,560,000. So if you've got $1,560,000 Yep.","start_word":1387,"end_word":1413,"sentiment":"neutral","sentiment_score":0.15319816933737862},{"text":"in your overall share portfolio, super, whatever it might be, we can look at ways to kind of introduce that that share money into the super environment, which is really beneficial Yep.","start_word":1414,"end_word":1445,"sentiment":"positive","sentiment_score":0.5003650188446045},{"text":"because everything over 60 is free, tax free, capital gains tax free, you know, whereas at all incomes only all incomes free as well after the age of 60. Whereas if you kept that shared portfolio in your personal name, it adds on to your taxable income. Are you sorry. Are you saying with my share portfolio, if I reach the age of 60 and start selling off shares, that's tax free. Is that what you're saying? If it's inside super. Yep. Righto. Yeah. Correct. So you need Because any of those that's ways the we other can thing. I I understand my shares now when I do sell them. Just just I've I've got $4 in there at the moment in these shares. I know I just started out. But, Okay. like, I I understand if I was to sell them, I'll get taxed they get added to my taxable income. Yep. Correct. So my my idea was, like I said before, to live off shares, to semi retire was to to not be working or maybe work one or three days a week and sell shares and just let myself say a $100 a year. That was my Okay. idea, but I understand Okay. I'm paying 33% tax on Yeah. So it's well, it's not really 33%. So you get a 50% capital gains discount. And if you were to retire, them. Well, you sell they that changed much. that. No? Sorry? That that we don't get the 50% tax discount Well, anymore, let's, do we? yeah, this is a common misconception. In the recent budget, they changed it to not 50% down to 30%, then 33, but it still hasn't gone through senate. It's gone through lower house and upper house, but it still needs to actually be passed the legislation. So it's not actually confirmed yet. It's Okay. still it's it's it's it's on the latter end of actually being approved going through. But at the moment, all the way up until, I believe, 07/01/2027 is it's still 50%. And the fact of the matter is it takes a long time to get legislation in place within the acts to be able to make it, you know, to make it solid, to make it make it an actual legislation. And the fact Yep. it needs to get through it needs to get through that final stage still. So as far as it makes my job really easy not knowing the future, but planning the financial future for clients. But, yeah, it is still hasn't been passed yet. But if it does, yeah, it's 30%. 30%. Yep. But if it's in a company with GST, so 33% of it in a company. For you, you'll get a 30% CTC discount. So, Yep. you know, you made a $100. You wanna start selling it down. 30 you sell down a $100 of it, that share portfolio. If you're not working, so you retire and you sell it down to live on, whatever it might be, then $30,000 of that $100 that you sold down will go to the tax plan Yep. of whatever that if the gain was a 100,000, so more than likely over that time horizon from 30 to age 55, let's say, you'd probably achieve that more. Yep.","start_word":1446,"end_word":1998,"sentiment":"neutral","sentiment_score":0.015306686931988646},{"text":"So, yeah, yeah, $30 goes to the ATO, which is awesome because we know how to spend our money better than they do half the time anyway.","start_word":1999,"end_word":2025,"sentiment":"positive","sentiment_score":0.4942565858364105},{"text":"But, Yep. yeah, that goes there. Then you gotta pay income taxes, marginal tax rate based on an income of 70 k leftover. So it's not just 30%. You get the capital gains discount. So that 70,000 will be added to your taxable income on a tier structure. Okay. Yeah. So, like, what you're currently making a good way to explain is you're currently a crane operator, and you're on a 100 and $180 a year? Yeah. Yep. So every dollar above 200,000 is gonna be taxed at 45% plus Medicare levy, 47%. Right? Yep. So if you had a, say, a 50,000 or let's say let's say a 20 a a $30,000 capital gain, you would essentially pay the highest marginal tax rate on those dollars on $10,000 of that because the tax bracket went up from one eighty to $1.90 to 2 100. So For now. yeah.","start_word":2026,"end_word":2174,"sentiment":"neutral","sentiment_score":0.10246280835778922},{"text":"No. Tell me about it. It's not ideal.","start_word":2175,"end_word":2182,"sentiment":"negative","sentiment_score":-0.48672789335250854},{"text":"So that's part of our job as well. So when you get to that stage, hopefully, we can be you know, have a relationship and work as clients and professional relationship all the way up till then because we've got strategies that we can implement to mitigate that tax liability.","start_word":2183,"end_word":2232,"sentiment":"neutral","sentiment_score":0.04644966498017311},{"text":"Because this is one of the main reasons why I got into this profession because I don't like the tax man very much. I think that they are crooks, and I like to keep as much money in my client's pockets as possible rather than going to the ATO.","start_word":2233,"end_word":2281,"sentiment":"negative","sentiment_score":-0.4321503043174744},{"text":"Because I've still got a puddle at the front of my investment property's house that's been there for three years. I want to guarantee Yep. the guarantee our boss probably got no puddles anywhere near his house. Right? Funny how that works. So that's kind of gives you a background of my kinda my mentality when it comes to the ATO. I think it's very similar to yours and everybody else's. But, yeah, Yeah. to give you an I to give you an idea of of what what the rules look like, yeah, you you if these shares are held in super above age 60, 60, completely tax free if you sell them, or any dividends or anything that gets paid. However, if it's in your personal name, it will get added even after the age of 60, it will get added onto taxable income. Yep. Yep. As far as, like, everyone that has the same idea. I I don't really wanna have to wait till I'm 60 years old before I can, you Yeah. know, No. enjoy It's fair.","start_word":2282,"end_word":2461,"sentiment":"neutral","sentiment_score":0.0471041202545166},{"text":"enjoy a bit of money.","start_word":2462,"end_word":2466,"sentiment":"positive","sentiment_score":0.3912159502506256},{"text":"So that's why I'm trying to come up with a bit of a plan. I understand everyone's gonna pay a bit of tax, but Yeah. It's yeah, a good I don't plan. I don't It's wanna a great be I plan. don't wanna be waiting till I'm 60. But another question, I suppose, Yeah. You're I'm right. I'm torn between whether I should salary sacrifice 5% into my super, or do I just keep focusing on paying off my mortgage? At the moment, I'm told I'm sort of sticking between just paying extra off the mortgage. So five And so and 5% of your wage, how much do you save per week, would you reckon? save. Yeah. Save. How much could you save per week or sort of a month, whichever you get paid? It's hard to say. So I'll go I got a lot of accounts going on. So Okay. look. I I I'll put, say, 50 to $100 a week aside in an investing account, and that's the money I use to buy an ETFs. Yep. Yep. And, no no, you look, I might save a $150 a week in my own little savings account. Yeah.","start_word":2467,"end_word":2664,"sentiment":"neutral","sentiment_score":0.012547589838504791},{"text":"Good.","start_word":2665,"end_word":2665,"sentiment":"positive","sentiment_score":0.4131920039653778},{"text":"Good. So would you say maybe let's just say if you wanted to salary sacrifice 5%, that's a lot based on your income. Because you're already contributing your employer puts a new SGC contribution of 12% every year. That's Yep. $21,600 going into your fund. If you wanted to put in 5% of your gross wage of 180,000, you're looking at an extra $9,000. So you're essentially over the cap by $600.","start_word":2666,"end_word":2737,"sentiment":"neutral","sentiment_score":0.03137608617544174},{"text":"So 5% is too much.","start_word":2738,"end_word":2742,"sentiment":"negative","sentiment_score":-0.371017187833786},{"text":"Righto. That's nine yeah. 5% of a $180 is 9,000. Right? Half of 18. So you're and you're already putting in concessional contribution from your employment of 21,600, the concessional cap is 31 is $30,000 So at what the moment. what's that So mean every if you go over that concessional caps? every dollar after that is taxed at the highest marginal tax rate.","start_word":2743,"end_word":2806,"sentiment":"neutral","sentiment_score":-0.05257006734609604},{"text":"So there's no benefit.","start_word":2807,"end_word":2810,"sentiment":"negative","sentiment_score":-0.35215598344802856},{"text":"Right. Yeah. Right. So you wanna kind of limit that, but there is ways we can get around it. You can carry forward the last five years of unused cap or concessional cap. So if you're if you haven't salary sacrificed anything at all and you get to the end of the financial year, Over the last five years, you've essentially been on a 100 let's just say, a $180 for the last five years, and you haven't put any more in. You've got, what, $8,400 excess every year for five years. So you can you can salary sacrifice more in if you wanted to. Strategy, we do closer to the time of retirement because you can access the money sooner. But to answer your question, if you're saving a $150, once you got $50 salary sacrifice and a 100 into it was a week. Correct? Sorry. What was that? Sorry. Was it a $150 that you could probably use as savings a week? Potentially. Yes. Okay. So let's just go if you got a 150 spare cash flow $150 per cash flow a week, then, you know, why don't you kinda diversify? Why don't you put a 100 towards the mortgage?","start_word":2811,"end_word":3012,"sentiment":"neutral","sentiment_score":0.0390990674495697},{"text":"Because that if you do an amortization calculator, you'll be amazed at how much that reduces your interest repayments, just a $100 a week. I can do all of that for you as well.","start_word":3013,"end_word":3046,"sentiment":"positive","sentiment_score":0.3657171428203583},{"text":"Yes. But then put then salary sacrifice $50,000.","start_word":3047,"end_word":3054,"sentiment":"neutral","sentiment_score":0.2522324025630951},{"text":"That's an extra $2.5, $2,600 into your super fund.","start_word":3055,"end_word":3063,"sentiment":"positive","sentiment_score":0.3459906578063965},{"text":"That's minimizes your tax your tax liability as well. Okay. Yeah. I could Yeah. I So, could possibly I mean do that. yeah. Yeah. My Yeah. situation's But we could a little bit tricky at the moment, I suppose, because I've got two young kids and my wife's only just going back to work now. So I'm sort of carrying the the front of the Yeah. Gotcha. the front of the cost of living. So and, like, my I try and pay an extra $260 a week off the mortgage because I understand that the more I put in there, Yep.","start_word":3064,"end_word":3164,"sentiment":"neutral","sentiment_score":-0.046954765915870667},{"text":"the less interest I'm paying on that large amount of money.","start_word":3165,"end_word":3175,"sentiment":"negative","sentiment_score":-0.5772629976272583},{"text":"So Correct. Do you do you have an offset account? but not currently, but in the next four weeks, I will because we're in the process of refinancing. So Okay. Gotcha. another plan I I know I'm trying a lot in your face here, but one once we once we refinance the reason I'm like refinancing, not only to borrow a bit of money to renovate the house, but with Macquarie Bank, I can have multiple offset accounts, and I was gonna look Correct. at a bit of debt recycling. Yep.","start_word":3176,"end_word":3266,"sentiment":"neutral","sentiment_score":0.037189122289419174},{"text":"Absolutely. We can do that.","start_word":3267,"end_word":3271,"sentiment":"positive","sentiment_score":0.46809375286102295},{"text":"Yep. So So that you're was another looking at audio I had. yeah.","start_word":3272,"end_word":3284,"sentiment":"neutral","sentiment_score":0.060739416629076},{"text":"Absolutely. We can definitely have a look at debt recycling. I love I love debt recycling, especially if it's for bricks and mortar. We can have a look at that.","start_word":3285,"end_word":3314,"sentiment":"positive","sentiment_score":0.5517709851264954},{"text":"It really depends on what service you kinda go wanna go with, but we can get to our fees and what we charge and the services overall. We can do complimentary stuff, a complimentary statement of advice. But if you want that more complex kind of strategies and looking at debt recycling and, you know, mortgages and stuff like that, there is gonna be an upfront cost for the preparation of the statement of advice just so you're aware. But like I said, I'll I'll I'll just get an idea a little bit more about you, and then we'll go through all of that when it's when we're done with you. Alright? Yeah. Yeah.","start_word":3315,"end_word":3428,"sentiment":"neutral","sentiment_score":0.09282370656728745},{"text":"Beautiful.","start_word":3429,"end_word":3429,"sentiment":"positive","sentiment_score":0.614355742931366},{"text":"So you're looking at salary sacrifice, possibly. You're looking at debt recycling, possibly. You definitely wanna have a look at that c plus superannuation because as we've indicated, if you want 1,000 to $1,500 a week by the age of 60 when you can access it, you're currently not on track to achieve that with the 5% return net. Right? Yep. So you need to get you on track for close to 1,500,000. So we can utilize strategies to kinda see what salary sacrificing looks like and how much you'll need to put in if for some reason we weren't able to achieve that projected amount. So that's the number I'm gonna work with within my head. Alright? I guess. But then you also indicated that you would don't wanna work and wait till you're you're the age of 60. Right? So you wanted to build up some sort of share portfolio, which you're comfortable managing. We do we can set up share portfolio. I mean, we're looking at your super, and we provide a ETF recommendation for diversified portfolio. Maybe you can probably just copy that if you like, save some money.","start_word":3430,"end_word":3622,"sentiment":"neutral","sentiment_score":0.1541552003183513},{"text":"But if you're happy with your portfolio at the moment, I'm more than more than welcome to do it that way as well.","start_word":3623,"end_word":3645,"sentiment":"positive","sentiment_score":0.44737863540649414},{"text":"But the let's say when you said late fifties, do you wanna aim for having a shared portfolio to be able to help the boots and retire at the age of 55? Is that a good number? Or Yeah. Look.","start_word":3646,"end_word":3685,"sentiment":"neutral","sentiment_score":0.119673453271389},{"text":"It sounds good now.","start_word":3686,"end_word":3689,"sentiment":"positive","sentiment_score":0.3399951756000519},{"text":"Obviously, anything can change in the next twenty five years, but, yeah, ideally, I'd like to be mortgage free, debt free by by about fifty fifty five would be great. Okay. Well, debt free and mortgage. So debt free completely by the age of fifty fifty five. Alright. We can work with that regarding the salary the contributions to your mortgage.","start_word":3690,"end_word":3750,"sentiment":"neutral","sentiment_score":0.17064708471298218},{"text":"And, yeah, if you if you wanna set up and refinance with Macquarie, I love Macquarie. They're an amazing bank because of the products that they have.","start_word":3751,"end_word":3777,"sentiment":"positive","sentiment_score":0.4659198820590973},{"text":"So the products, like you said, many different or you can link something like 28 accounts, bank cash bank accounts to an offset one offset loan.","start_word":3778,"end_word":3803,"sentiment":"neutral","sentiment_score":0.2929779291152954},{"text":"It's insane. So, yeah, I think that's a great idea.","start_word":3804,"end_word":3813,"sentiment":"positive","sentiment_score":0.6382343173027039},{"text":"Yeah. You you should be able did you want me to well, I can definitely have a look at ways to essentially introduce, you know, contributing to an offset account and how much that number is to be able to achieve that goal of, say, 50 and then an alternative for 55, if you like. But, again, we're we're I'll get you get I'll give you an understanding of our our services and what they cost and all the bits and pieces as well because it's kinda like a tiered approach. That makes sense.","start_word":3814,"end_word":3907,"sentiment":"neutral","sentiment_score":0.2341162069363797},{"text":"Yes. Beautiful. Okay. Well, I've got a pretty good idea. We've already got all your fact finds and risk profiles and things like that.","start_word":3908,"end_word":3931,"sentiment":"positive","sentiment_score":0.43967458605766296},{"text":"But is there anything else? So we're looking at debt recycling. We're looking at some want to retire around about I'm I'm gonna aim for 5050 to '55, be debt free, and hopefully hang up the boots, and then live off the share portfolio to the age of 60, if not further, and then start utilizing superannuation as a drawdown Yeah. in the income mechanism. Is that the plan? Yeah. Yeah. It sounds like a plan. Like I said, re retiring is a bit of a bit of a dream, I suppose, but the the main goal of of to get the mortgage gone. Yep. Yeah. Now No. That's I'm retired, alright. but but if I can do it all in in one hit, that'd be good. If we talk Yeah. get rid No. of mortgage Absolutely. and every time. Yeah. No. We can have a look at that. Alright. Well, what I'm I've got a fairly good idea of what you have to, mate. Unless there's anything else while I draw up this email, I'm gonna send you through I'm just gonna shoot you through an email straight from my personal email. It's it's gonna include the Oakview Financial Services Guide as well as the Oakview Services Guide. A little bit more about us. I'll give you an idea of who we are, what we do, what we charge, all the bits and pieces, all the compliance points. Yep. And from there, man, I think I just need to run through a fact by did you go through a risk profile questionnaire with Maddie when she called you? Let me just have a look. Wrist fall. I can't remember. Wrist Yeah. fall. No. That's right. Let me have a look. No. She didn't do that, so she probably left it up to me. So then I'm just gonna ask some questions regarding your volatility and your your, I guess, your attitude and approach to financial risk. It's some of those questions are pretty dumb. They've made up by the ASIC and the federal government, so bear with me when we go through it. But, yeah, it gives me an understanding. We're gonna have a discussion about what kind of risk tolerance you are and what time versus risk actually means. Alright? Yep. So are you in front of a computer at the moment? No. I've got a notepad in front of me. That's Okay. Yep. Is there any way that you would, maybe on your phone or something, be able to access your emails? yeah. I can either I can try I can jump on the computer, or I can just put you on speaker. We'll get my email. Is that what you're after? Oh, yeah. Yeah. Correct. Because I wanna send you through this the the these two documents and actually walk you through them. It's it's part of our compliance approach. Found out the other day, actually, off topic. The financial services, the asset management and financial planning is more regulated than the pharmaceutical industry at the moment in Australia. Pretty Okay. crazy. But, yeah, it's just I mean, fair enough. We look after hundreds of millions of other people's money. We need to make sure we do it correctly. But, yeah, I will essentially wanna back to the financial services guide, I do need you to have access to actually see these documents. So if you can, probably a last week or whatever is easier for you to receive an email. And your best email, just to confirm, is where are where are you? Sorry. I opened up my CRM. So are you still b.stevens2285@hotmail.com? Yep. That's it.","start_word":3932,"end_word":4543,"sentiment":"neutral","sentiment_score":0.015417802391811182},{"text":"Beautiful.","start_word":4544,"end_word":4544,"sentiment":"positive","sentiment_score":0.35323551297187805},{"text":"I've got While the I'm computer while I'm in being front of me anyway, mate. So hang on. ah, beautiful.","start_word":4545,"end_word":4564,"sentiment":"neutral","sentiment_score":0.12713056802749634},{"text":"Beautiful.","start_word":4565,"end_word":4565,"sentiment":"positive","sentiment_score":0.4763151407241822},{"text":"Yep. Just open that up. Jump in the emails. You should receive something fairly soon. And, Smit, do you have anything other than that?","start_word":4566,"end_word":4589,"sentiment":"neutral","sentiment_score":0.16776810279407073},{"text":"So, I mean, from a from a planning perspective, from a future financial goals perspective, you're pretty bang on the money. It's it's it's a really good plan. Lots of clients kind of tend to lean towards that plan.","start_word":4590,"end_word":4628,"sentiment":"positive","sentiment_score":0.543643593788147},{"text":"The only thing that I did wanna ask is what are your thoughts about kind of leveraging to invest? So borrowing against equity in your home to buy another investment property or shares or something like Yep. that. So just rough figures, I did have that in mind. What's going on in my emails? So I've I've got roughly $400 in equity at the moment. Yep. So my plan was I just wanted the our house is a little bit rundown. So I'm buying a $100 Mhmm. for renovations, and I'm reserving the rest of it. Once we get the kids in school and we're a bit more financially stable, I was gonna look at buying investment property. Yep. Okay. Okay. So Yeah. when So the kids that that's go to school. How old are your kids? they're pretty young, or they're 2.5 year old and one's about to turn one. Okay. Okay. So run about what? Prep is about four, four years old, five years old? Is that when Yeah. you're So, thinking yeah, that probably that's in not the next in the next five years, I'd say. okay. Perfect. Well, with property, if you want to get an investment leverage against it, it's really important that you wanna retain about, let's say, 20% as LVR, loan to value ratio. So let's just say that you got a your property's worth a million bucks and you want to pull money out. You don't wanna pull more out to make the than making the loan higher than 800,000 because then you initiate LMI loan mortgage insurance, and that's just an insurance policy that you pay and you don't get any return for. So Yep. we is it a good number with a million dollar property? Is having equity of around about 600,000? Because then you can leverage against $200 and still have $200 left over in the property to not pay for that loan mortgage insurance policy. So that's kinda gives you an indication. If you were to if you're borrowing that money, how much money are you gonna pull out of that property for innovation? Is that a $100? Yeah. So I'm currently borrowing a $100. Yep.","start_word":4629,"end_word":4996,"sentiment":"neutral","sentiment_score":0.01413660418525662},{"text":"Beautiful.","start_word":4997,"end_word":4997,"sentiment":"positive","sentiment_score":0.5521794557571411},{"text":"Let me pull up your fact find over here. So my Alright, total sir. my total loan will be for about $580,000. Yeah. Good. 580,000. It says $5.70. On the Factfind, is it 4 is the loan at $4.80 or $4.70 at the moment? $4.70. Sorry. We're at $4.70 Okay. 3. Yeah. Yeah. Yep. Yep.","start_word":4998,"end_word":5052,"sentiment":"neutral","sentiment_score":0.06550332903862},{"text":"Beautiful.","start_word":5053,"end_word":5053,"sentiment":"positive","sentiment_score":0.4014819860458374},{"text":"So releasing a 100 for for renovations.","start_word":5054,"end_word":5060,"sentiment":"neutral","sentiment_score":0.17388314008712769},{"text":"Beautiful.","start_word":5061,"end_word":5061,"sentiment":"positive","sentiment_score":0.4065558612346649},{"text":"And that but, I mean, even at that LBR, you're looking at, you know, what, 570,000, and your property's worth 900,000, you Approximately. Yep. said? Approximately, and that's Macquarie Hills, New South Wales. Yep. Cool. Yep. Yeah. You should have enough. Dude, let me just do a quick calculation here. 900 k minus the $5.70. With the equity release, you have 330 k worth of loans. And then we'll go twenty percent 900 k. Should be 45 at 90. Oh, there we go. Okay. So times five zero points to yep. Minus three thirty. So even after releasing the $100 worth of equity, you still got a $150,000 worth of equity that you you are able to access to for investment purposes without paying anything extra for that loan mortgage insurance. So you're in a good Okay. position. If you were to use that same kind of, I guess, modeling, same theory of 20% LVR. So you 150 k for a deposit on an investment. You know, you're you're essentially looking at if you use a 100 of that 150,000, just just not release, no sale, no nothing, just through equity backing. You're looking at 100 if you just use a 100,000 of it, then you got, you know, stamp duties and all that stuff extra. You can usually lump it onto the loan. But a 100,000 divided by zero point to yep. So you're looking at a $500,000 property purchase if you wanted, like, a units or something like that, like an investment property. You still have act you still have a a capability of doing that Yep.","start_word":5062,"end_word":5330,"sentiment":"neutral","sentiment_score":0.07942199033986237},{"text":"Okay. just to just to give you kinda peace of mind. But yep. So if that is something that you wanted to have a conversation about in the near future, mate, we can do all that too.","start_word":5331,"end_word":5367,"sentiment":"positive","sentiment_score":0.4120573401451111},{"text":"Well well, definitely, I don't I think it'll be definitely worth doing in the future. Just the only thing, like I said, I've got a lot of goals at the moment and practically single income. Not really. She's just going back to work now, Yeah. but Yep. Yep. we're we're we're the kids in the day care. Yeah. Yeah. Cost of leaving is pretty high at the moment, so Yeah. I was waiting I yeah. to see if I'll we get can it. calm down before I go for the property. But Yeah. No. That's fair enough. It says, yeah, if you've got a negatively geared property, it does cost start the starting point before the actual price of the property increases so you can increase the rent, the yield. Yeah. It's pretty tough.","start_word":5368,"end_word":5501,"sentiment":"neutral","sentiment_score":-0.07542567700147629},{"text":"It's pretty tough at times.","start_word":5502,"end_word":5506,"sentiment":"negative","sentiment_score":-0.3508080840110779},{"text":"I've seen clients pay, you know, get an investment property, I think it's a great idea, but the rents are not really in line with these higher end properties, like about 200 1.2, $1,500,000 investment property, but they can only rent out for $800. So it ends Yeah. up costing That's right. them, like, And yeah. 5, That's yeah, right. $5.05 Yeah. grand to $5 a month or something. You know? Yep. Yeah. So So I'm alright. not really in So a position at the moment to do that, but no. That's alright. That's alright. That's fair enough. But somewhere down the track, you you more than likely will be. Right? So just keep that in Yeah. mind as Yep. part of our services. Now my this email, it's nice and short and sweet, but it's somewhere up there in the ether the the web clouds or whatever the stuff. I don't really understand how it works, but it's should be on its way to your email account now. So maybe just hit refresh or check junk or something to send in from osavvy@oqfinancialcom.au. So let me know when you have received that, and we'll get into the compliance parts. Alright? Yeah. I'm just refreshing now. Haven't seen nothing yet. No. That's right. That's right. How's the morning been? Alright? Yeah. Yeah.","start_word":5507,"end_word":5728,"sentiment":"neutral","sentiment_score":0.022238888417009835},{"text":"It's been good day off work, Beautiful. We do which work from home Thursday. We've got all the team to work from is home on Thursdays and Fridays, and productivity has good. gone up, like, 30% or something. It's insane.","start_word":5729,"end_word":5768,"sentiment":"positive","sentiment_score":0.4856444299221039},{"text":"Oh, really? Oh, it's crazy. Yeah. Working yeah. Well, if you need no sedentary work, working a computer, and now with this modern technology, like I said, that I don't really understand that much. I just stick to stocks and shares and planning. Yeah.","start_word":5769,"end_word":5812,"sentiment":"neutral","sentiment_score":0.02555770613253117},{"text":"It's it's it's amazing how how much more That's morale kind of as a business owner you you you get from the team.","start_word":5813,"end_word":5835,"sentiment":"positive","sentiment_score":0.4044549763202667},{"text":"So, yeah, I'm I'm in the comfort of my own home looking at my puppy. Drop the kids off, it. and the missus That's in it. Melbourne. So yeah. Yeah. I can't really complain. Alright. So refresh. Maybe check your junk. I know that sometimes it is a I new found email. it. It's in the junk. I just got it transferred to Yep. my inbox before I can Yeah. No. That's alright. Just move it to your inbox because then all future correspondence will go straight to your inbox as well. Yeah. Yeah. So I was trying to find the mute button. It I think you changed right click. the it changed the layout of the Oh, no.","start_word":5836,"end_word":5954,"sentiment":"neutral","sentiment_score":0.027553028168798496},{"text":"of my I hate it when that happens.","start_word":5955,"end_word":5962,"sentiment":"negative","sentiment_score":-0.5690686106681824},{"text":"what just brought me pop out. Mhmm. I found it all good.","start_word":5963,"end_word":5974,"sentiment":"neutral","sentiment_score":0.04103798419237137},{"text":"Beautiful.","start_word":5975,"end_word":5975,"sentiment":"positive","sentiment_score":0.5365728735923767},{"text":"Now you got three attachments. Let's open up the first one, the 2026 Oakview services guide. Yeah. It's just loading. You're right. Let me know when you're looking at it. Yep. Part. I'm on.","start_word":5976,"end_word":6009,"sentiment":"neutral","sentiment_score":0.09652317315340042},{"text":"Beautiful.","start_word":6010,"end_word":6010,"sentiment":"positive","sentiment_score":0.3529619574546814},{"text":"So you should be looking at the front page that says Oakley services guide and a picture of the Gold Coast and all those bits and pieces. You're looking Yep. at that?","start_word":6011,"end_word":6042,"sentiment":"neutral","sentiment_score":0.12839797139167786},{"text":"Beautiful.","start_word":6043,"end_word":6043,"sentiment":"positive","sentiment_score":0.3675585389137268},{"text":"Yep. So this is just gives you an idea of why we started the company. You Okay. know, it's about about ten years ago now. We we we started myself, my business partner, and his wife, we took on a whole bunch of angel investment debts and from a complete twit, to be fair, it was a bit of an asshole, but we ended up paying him out. So with with only hopes and dreams and no clients in the garage in Pimpama on the Gold Coast. And somehow, we've made it work, but this was right at the time when the Royal Commission into Banking and Finance was going on in 2017. Do you did were you did you remember that? No. I don't remember that. Or no. That's right. So during the Royal Commission, they found that asset managers, financial planners, insurance brokers, there's a lot of people doing the wrong thing, but really bad stuff. So things like charging so a a a client would pass away and a multimillion dollar insurance policy will get paid out to the super fund for release from the trustee back to the the client's beneficiary. However, the client's beneficiaries, the family members didn't realize those insurance policy, so nobody really chased it up.","start_word":6044,"end_word":6256,"sentiment":"neutral","sentiment_score":-0.12826350331306458},{"text":"So these asset managers, with knowing that these payments would get paid out, this is only one example, with knowing that the funds were there, they would actually retain those funds, not let the client's family know, and just charge exorbitant fees on it Not for good. as long as they like. It's it's disgusting.","start_word":6257,"end_word":6311,"sentiment":"negative","sentiment_score":-0.4153507649898529},{"text":"So but there so there's a lot of players doing the wrong thing, but there are a few of us that are trying to do the right thing.","start_word":6312,"end_word":6339,"sentiment":"neutral","sentiment_score":-0.16042308509349823},{"text":"And that's why we start the company on the second page with the vision of being the most trusted financial aid firm in Australia, sticking to a core mission of just, you know, providing us down long term holistic financial strategies to achieve clients or, should I say, couples, families, and individuals and overall clients that have been achieve their financial goals. And our core values, I've kinda get the team to chart the core values, and we've got about 43 of them. So you can imagine how loud loud it gets. I've charted these core values every morning so no one forgets it.","start_word":6340,"end_word":6443,"sentiment":"positive","sentiment_score":0.5738236904144287},{"text":"And there's a little bit of a blurb about, you know, what what we did, why we was why we started it, and pretty much everything I just told you. But more importantly, if you go down to the next page where you're looking at the Oakview Wealth Cycle. You having a look at that? Yes. So the Oakview Wealth Cycle, mate, we've and this is I've I've been fortunate enough to work in many different kind of financial arenas around the world. HSBC in Hong Kong when I just finished uni as stock broker, and then went to The UK or to to Scandia Life and all Mutual Global Investors and and then also boutique firms as well as large banks in Australia before starting this. And I can tell you that all this process is more it's not really a process. It's more of an algorithm. I've seen it work at different different areas. So let's say, CBA, for example, Commonwealth Bank, they do this approach in almost like the ladder concept. Over in in The UK, they did, like, a baseball pitch diamond where you start at one base, go to base two, base three. But overall, it's all the same thing.","start_word":6444,"end_word":6648,"sentiment":"neutral","sentiment_score":0.14483250677585602},{"text":"And like I said, I've been fortunate enough to be doing this long enough to actually see it work.","start_word":6649,"end_word":6667,"sentiment":"positive","sentiment_score":0.33890342712402344},{"text":"Right? So Okay. most of the time clients start as a seedling, and it's at the same time, man, I'm I'm I'm a finance nerd.","start_word":6668,"end_word":6692,"sentiment":"neutral","sentiment_score":0.1016899272799492},{"text":"I'm really nerdy when it comes to this stuff.","start_word":6693,"end_word":6701,"sentiment":"negative","sentiment_score":-0.38500380516052246},{"text":"So excuse all the super corny acorn corny corny analogies and things like that. It just kinda comes with the nerdiness. But if you're looking at a tree, like an oak tree, oak view, you're thinking about the tree of an oak tree. So you start up as a seedling, no real growth plan, no strategy, no direction, just kind of a vague idea of what we discussed before, and then we move on to what what do we do next. Alright? And that's where we move on to what we can like to call the root stage. So this is your super and insurance and also accounting taxation. We just refer you over to an accountant if you don't have one. Because once we start our financial journey together, work together moving forward, it's, yeah, it's more of a relationship, but, also, you do wanna make sure that you're you you have other professionals in their fields to be able to do the right job as well, which is accountants, lawyers, and mortgage brokers. So Yep. I'll get to that in a second, but that's the overall roots there. These things that work in the background that you don't really see every day on your day to day, like your bank accounts or shared portfolio, things like that. It's it's in the background, but it's really important for your retirement because super as superannuation while you're working, your accumulating career is moving onwards to towards the age of 60 and preservation. Your super is growing well for retirement, but at the same time, insurances need to be right and cover you for just the right amount, and we assess that every year to cover you for the rest of the time in case something were to happen. Right? If you were to become TPD, you can't be a crane driver anymore. Right? So that's Yep. what the insurances are for.","start_word":6702,"end_word":7022,"sentiment":"neutral","sentiment_score":0.05793338641524315},{"text":"They're this necessary evil that you kind of have to address, but I can tell you some horror stories.","start_word":7023,"end_word":7041,"sentiment":"negative","sentiment_score":-0.4446091055870056},{"text":"They are really good to have when you need them.","start_word":7042,"end_word":7051,"sentiment":"neutral","sentiment_score":0.04083062708377838},{"text":"Yeah. Being over insured is just as bad as being underinsured.","start_word":7052,"end_word":7062,"sentiment":"negative","sentiment_score":-0.5973361134529114},{"text":"So you you identified you're underinsured.","start_word":7063,"end_word":7068,"sentiment":"neutral","sentiment_score":-0.26993614435195923},{"text":"You think you need a bit more insurance.","start_word":7069,"end_word":7076,"sentiment":"negative","sentiment_score":-0.397080659866333},{"text":"So we can calculate Yep. the exact dollar figure that you actually need and what your life's worth. Small business itself. Yep. If you No. I just yeah. We yeah. We can work it out. And it's just it's just to make sure. Because saved if you it. if you over insured and you come for a million bucks and you only got a $500,000 mortgage, then you're paying all these extra premiums to a company that the best case scenario is you don't claim because nothing happens.","start_word":7077,"end_word":7164,"sentiment":"neutral","sentiment_score":-0.08955412358045578},{"text":"And then you don't get a refund of all your all the premiums you paid your whole life. But if you so we try but if you're paying for extra that you don't need, it's just wasting your money.","start_word":7165,"end_word":7203,"sentiment":"negative","sentiment_score":-0.4385744035243988},{"text":"Yeah.","start_word":7204,"end_word":7204,"sentiment":"neutral","sentiment_score":-0.2628079056739807},{"text":"But at the same time, underinsured, all the premiums you're paying for that life and TPD inside CBAS, you for being underinsured, that's not gonna suit your needs if something were to happen.","start_word":7205,"end_word":7237,"sentiment":"negative","sentiment_score":-0.4522447884082794},{"text":"So what's the point paying for it at all? Well, that's alright.","start_word":7238,"end_word":7249,"sentiment":"neutral","sentiment_score":-0.2413671463727951},{"text":"So both my parents have suffered some pretty pretty bad accidents, and they were very underinsured.","start_word":7250,"end_word":7265,"sentiment":"negative","sentiment_score":-0.4140726923942566},{"text":"So there's not much money Yeah. coming out of that, unfortunately, but so Correct, sir. So it definitely is really important to, you know, make sure that along the journey because the more and ideally, the best outcome is being self insured, and that's not having to pay some other bloke a premium to cover your needs because you can cover them yourself. Right? Yep. So that's mortgage paid out and all that. So over time, as your wealth grows, we wanna reduce that some insured insure insurance policy to make sure that you're paying as little as possible in the event that something doesn't happen, which is the best case event. Right? And Yep. try and get that down as much as possible so we can address all that. But after that, once we once we set up those foundational roots, then we move on to this the area we like to call the trunk, the foundations. So this needs to be really sturdy. You need to get on top of your cash flow and budgeting. Have you got a budget? It's a very liquid budget, but yes.","start_word":7266,"end_word":7454,"sentiment":"neutral","sentiment_score":0.08888987132481166},{"text":"I can send you through, you know, a MoneySmart budget calculator. It's really useful tool. It's essentially, like, starting to treat your money almost like a well trained dog.","start_word":7455,"end_word":7483,"sentiment":"positive","sentiment_score":0.4548282027244568},{"text":"It sounds weird, but just hear me out. So, you know, if you give the dog a bone, you say, but dog, go to market, bring me a bigger bone. That dog is loyalty. So go to the market or bring back a bigger bone and, you know, you give it a pat, give it a scratch, and say, right. Well, here's the bone again. Go out there and take bring me a bigger bone. And it'll carry on doing that. But what usually happens is more often than not, you get such a big the bone grows into such a big return that, you know, you lose kind of you lose loyalty with it with that dog that's actually the vehicle that's getting you the return of the bigger bone. And you start keeping that bone for yourself, talking to mates, and you stop playing with the dog. And what happens is you lose that relationship with the dog or the money, and what more more often than not we see is that that dog will start taking that phone elsewhere. Right? Yes.","start_word":7484,"end_word":7667,"sentiment":"neutral","sentiment_score":-0.011251484043896198},{"text":"So really important to get on top of that cash flow and budgeting and create that relationship, that strong bond with your with your income, with your cash flow, knowing where everything's at.","start_word":7668,"end_word":7700,"sentiment":"positive","sentiment_score":0.4993555545806885},{"text":"Next up, we like to create some nondeductible debts.","start_word":7701,"end_word":7709,"sentiment":"neutral","sentiment_score":0.22634357213974},{"text":"So family homes are good PBR like you've got now. It's a really good starting point to do exactly what you're doing now. You know, releasing equity so that you can get further investments like investment properties or shares, something like that down the track because in Australia, investments are amazing. In Australia, you know, we we pay some of the highest, I think we're, like, twenty fourth or twenty third highest marginal tax rate on the planet out of all 200 countries or whatever there is.","start_word":7710,"end_word":7796,"sentiment":"positive","sentiment_score":0.43423011898994446},{"text":"But in saying that we are number one in terms of investing and being an investment haven. And the reason for that is because we're the only country in the world where you can deduct a 100% of the investment interest that we pay. And where else does that? And being a tax paying such high taxes, you wanna be able to deduct those kind of those types of taxes, right, being the highest. So it's it's such a haven that we've literally had to put a cap on international investment from China because they were just buying up land, not caring if, you know, sky rises and things, not caring if if you'd probably know about all this in your line of work. But, yeah, they only 50% international investment can go towards a new build of a of a commercial sky rise or residential sky rise because, Okay. you know, yeah, there's lots of money flowing in internationally because they only rent land for ninety nine years. Why would you do that when you got that kind of money to buy buy skyscrapers and, you know, hold the land forever with an appreciating or some of the best appreciating property values on earth. So we've had to limit that to only a 50% international. The rest has to be domestic. So property's a really good place to start, but if it's your primary place of residence, as you know, if you can't deduct the interest on your payments.","start_word":7797,"end_word":8046,"sentiment":"neutral","sentiment_score":0.1485002421140671},{"text":"So what we wanna do is create that relationship, get the family home or private place residence, pay off to a point where you can leverage to get an another investment, and then just build from there and use OPM.","start_word":8047,"end_word":8086,"sentiment":"positive","sentiment_score":0.40549564361572266},{"text":"You know, the concept of other people's money, OPM? Or Yep. Yep. yeah. So I'll just do yeah. I'll I'll give a brief description, and let me know if it kind if if it makes sense.","start_word":8087,"end_word":8122,"sentiment":"neutral","sentiment_score":0.16839390993118286},{"text":"But if you got, say, $10, right, $10,000, you invested in anything, shares, property, whatever it might be, the the the pen and the pad that you're looking at, that goes up by 10% in a year. You've made a thousand dollars. Right? Congratulations.","start_word":8123,"end_word":8166,"sentiment":"positive","sentiment_score":0.4548449516296386},{"text":"But if you take the same $10,000 and you put it to you go to an investment bank or just any normal bank, JPMorgan Chase, something like that, you go, hey. I wanna borrow $90,000 to make my total value of my portfolio a 100. They go, yep. Not a problem. We'll give you $90, but you gotta pay us 5% interest just for number six per annum right on that facility. So that's what? 5% of 9 $90 is 45,000 4,500 a year. So you go, not a problem. Sign the paperwork. But now you've got your initial 10,000 plus another 90,000 of OPM, other people's money. And then you say take out that a $100 as a total, put it in the exact same investment that makes the exact same 10% in that exact same year. Now you've got $10,000, but you gotta pay OPM back. So you pay him back for 4,500.","start_word":8167,"end_word":8321,"sentiment":"neutral","sentiment_score":0.15603706240653992},{"text":"What you're left with is $5,500 on the exact same $10,000 outlay. So that's a 55% return in a year compared to 10 for Yep.","start_word":8322,"end_word":8346,"sentiment":"positive","sentiment_score":0.37092435359954834},{"text":"the same vehicle. You know what I mean? So that's that's not only that. That's the gear that's the gearing side of things, but all the interest, that 5%, you can deduct a 100% of it. If it's an interest only loan, you can deduct a 100% on your repayment in Australia, which is incredible. Alright? Yep. So that's what we're trying to work towards. But overall, in that trunk stage, we move on to getting rid of any bad debt, credit cards, anything like that. You know, Zip pays. If there's no interest, it's still bad debt because you got debts. Bad debts is essentially debt that you can't deduct. So a primary place of residence is bad debt, to be fair. Yeah. And then estate planning. So lawyers, wills, power of attorney, stuff like that. So once we got those set up, then we start really accelerating that kind of stages where where the the overall process gets kinda sexy.","start_word":8347,"end_word":8508,"sentiment":"neutral","sentiment_score":0.0865849032998085},{"text":"I've seen those clients reach the stage within about five years after getting a private place of residence. So you're already you're in you're already kind of in the trunk stage.","start_word":8509,"end_word":8539,"sentiment":"positive","sentiment_score":0.39240142703056335},{"text":"We just need to tidy up a few steps along the way. So the next step would be looking at that branching out region where you really start accelerating borrowing money against equity so that you can build a portfolio that's all working harder for you.","start_word":8540,"end_word":8585,"sentiment":"neutral","sentiment_score":0.283700168132782},{"text":"So that not only your share portfolio that you're building up, but let's say a property or commercials, property or factories, you know, you can you can really start generating some good income from that where you can maybe go part time or work as a great driver. And then, eventually, all the income that you're receiving from that, you will you'll be able to sustain yourself and your family off.","start_word":8586,"end_word":8656,"sentiment":"positive","sentiment_score":0.5783030390739441},{"text":"So what's the point of working anymore? Yep. Alright. And then then the next kind of stage is the blooming stage. So you got all the branches out and you start blooming.","start_word":8657,"end_word":8688,"sentiment":"neutral","sentiment_score":0.1987943798303604},{"text":"All flowers open up, this is when you start retiring. When you stop when you start winding down from work, you've got enough to facilitate your lifestyle from income. This is where we get really sexy in our in our line of work where we try and and one of my favorite parts is we when you sell assets and when you start retiring, you gotta kinda wind everything up.","start_word":8689,"end_word":8758,"sentiment":"positive","sentiment_score":0.4004218876361847},{"text":"What happens is you sell it, you gotta pay tax. You gotta pay capital gains tax, and that's nowhere near as beneficial if it passes at 30% instead of 50% capital gains tax discount. Right? So we work our ways to try and mitigate that liability as much as humanly possible with TTR strategies to the transition to retirement strategies, trust structures, self managed super funds that are in there as well.","start_word":8759,"end_word":8830,"sentiment":"neutral","sentiment_score":0.1422809213399887},{"text":"Any sort of Social Security strategies, if you can be in a position to utilize government pensions and things or Social Security benefits, they do it because it's the same tax dollar bills that you're paying for it in the first place. So I highly recommend try to get as much as we can out of that as possible.","start_word":8831,"end_word":8889,"sentiment":"positive","sentiment_score":0.4167836308479309},{"text":"And then after you've done all that that whole process, you get to the the seeding stage.","start_word":8890,"end_word":8906,"sentiment":"neutral","sentiment_score":0.2384604215621948},{"text":"And I like to think of financial freedom as or the your financial journey as a whole through your life as a circle because you've got the kids as well. Right? So when you get to that stage, you can reap the rewards of all your hard work, drop that seed down, and then your kids are essentially starting at the seeding stage again. And it's you know, they essentially have to brave the weathers and the storms and the floods and the rains and whatever else. But if there's a big canopy of a, you know, strong foundation over them, then it's gonna make it a lot easier in their lives to grow.","start_word":8907,"end_word":9020,"sentiment":"positive","sentiment_score":0.6337493658065796},{"text":"Right? Yeah. Does that make sense? Yeah.","start_word":9021,"end_word":9027,"sentiment":"neutral","sentiment_score":0.2682688236236572},{"text":"It does make sense. Or beautiful.","start_word":9028,"end_word":9033,"sentiment":"positive","sentiment_score":0.44313421845436096},{"text":"So we're looking at this roots and trunk stage, looking at your goals and objectives. There's different fees for different strategies because different strategies mean more work. Right? So this this consultation is completely free, but I'll get to I'll get to the fees in a second. If you go skip down a little bit, you gotta meet our experienced team. That's just a breakdown of how we started, what I told you in the beginning of this conversation. If you wanna put a pace to the name, I've got a lot more city miles on me than that. It's just very airbrushed. It can do magic. But, yeah, that's my that's me, Severiano Zato.","start_word":9034,"end_word":9148,"sentiment":"neutral","sentiment_score":0.16170768439769745},{"text":"Severi is a lot easier.","start_word":9149,"end_word":9153,"sentiment":"positive","sentiment_score":0.3691627979278565},{"text":"That's my titles and all the licenses and degrees and whatever else. I spent way too much money doing.","start_word":9154,"end_word":9172,"sentiment":"neutral","sentiment_score":0.16217485070228577},{"text":"But to put me in, fortunately, a position in, there's a little blurb about how amazing we are for each of us.","start_word":9173,"end_word":9194,"sentiment":"positive","sentiment_score":0.452677845954895},{"text":"Feel free to read that in your own time. My business partner, Bart, he does already practice. He worked from the background and does a lot of the stuff that I hate, like the accounts and whatever else.","start_word":9195,"end_word":9232,"sentiment":"neutral","sentiment_score":0.19684721529483795},{"text":"So we work well together.","start_word":9233,"end_word":9237,"sentiment":"positive","sentiment_score":0.38940760493278503},{"text":"And then there's a whole team behind us. Like I said, these are these are the advice team, but we behind every adviser, there's two admins, a power planner, and oversee support as well. So you can imagine the team I think we got about 43 employees. The whole purpose of showing you that is to show depth of company so that, you know, if I'm not available for whatever reason, if you wanna reach out and just get in touch with me, have a chat or do an annual review, anything along those lines, just just a general catch up. I'm more than welcome to give us a call at any time. But if I'm not available and it's important, there will always be someone there to help you out. Yep. K?","start_word":9238,"end_word":9370,"sentiment":"neutral","sentiment_score":0.14624943679436703},{"text":"Awesome. Beautiful.","start_word":9371,"end_word":9372,"sentiment":"positive","sentiment_score":0.6736987829208374},{"text":"The next is mostly compliance. They're compliant with the telephone call regulatory guides. We've we're we're legislated. We run our own Australian financial services license, the same license to that of the large insurance companies and big banks. Usually, when you've got a financial firm like ours, like, a little bit more boutique, usually, what happens is we work underneath an AFSL like, CommBank or Westpac or something. But part of the vision of being the most trusted financial planning firm in Australia is that I should be able to give my clients a recommendation of whatever products in their best interest. Right? That's kind of how it works. But if I'm licensed on the CommBank, I'm sure they wouldn't be very happy about me recommending a BT product, which is a Westpac product. Right? Right. So so it's not really when you license on those bigger banks, it's I've been in the industry for a while. You you notice that 99.99999% of the time, advisers that work in banks are all licensed under the an AF certain AFSL. They are more than more than likely, almost every time, recommending their principal AFSL's products because they get commission and kickbacks and KPIs. We didn't want that because we wanted to be able to recommend any product on the on the planet. And we applied for our own ASL. I think about my the second second youngest firm to get approved of actually going through the asset routes and getting getting your ASL from starting from scratch. Right?","start_word":9373,"end_word":9629,"sentiment":"neutral","sentiment_score":0.07591162621974945},{"text":"Which was pretty pretty good achievement based on experience and whatever else.","start_word":9630,"end_word":9641,"sentiment":"positive","sentiment_score":0.4762074053287506},{"text":"But that's a little bit of a breakdown on what the we what our license is and that's that AFSL. But within that, we are regulated under the Corporations Act, ASIC, APRA, absolutely everybody under the sun to make sure that we can't run away with your money or wander us or anything like that. Okay? Yeah. And then how to connect with us is a little bit more about our information of compliance manager. That's essentially myself and Bart. There's our advice team and nice little picture. And the next kind of little bit is what I call OVA.","start_word":9642,"end_word":9741,"sentiment":"neutral","sentiment_score":0.08842819184064865},{"text":"Just this idea came up with where it's a proud collaboration of expertise.","start_word":9742,"end_word":9754,"sentiment":"positive","sentiment_score":0.3394734561443329},{"text":"So even though I've got all the qualifications to be able to be an accountant, had all the education and know how it works, I'm not registered with the tax practitioners board because of that. I couldn't think of anything more boring or worse than being an accountant. Yeah. Right? So so that for that reason, I'm not an accountant. And I could and I don't submit past tax returns. So I leave that up to accountants to do. So and there's nothing worse than referring an existing client that you've done the strategy for and built a relationship with like yourself, let's say. And I you say, look.","start_word":9755,"end_word":9863,"sentiment":"neutral","sentiment_score":-0.1251763552427292},{"text":"I don't like my accountant. They haven't helped me out at all.","start_word":9864,"end_word":9875,"sentiment":"negative","sentiment_score":-0.4108344614505768},{"text":"So I'm gonna pass this over. I'm gonna pass this over to, you know, I'll pass this over to such and such Joe Soap to look after your account where accounting works, and then he drops the ball and completely stuffs it up. Right?","start_word":9876,"end_word":9919,"sentiment":"neutral","sentiment_score":-0.13758765161037445},{"text":"Then it just looks bad on me, and you probably it leaves kind of a sour taste in your mouth with somebody that's actually doing the right thing because of that referral.","start_word":9920,"end_word":9951,"sentiment":"negative","sentiment_score":-0.5181350708007812},{"text":"So I like to work with people that I know are fairly diligent and good at paid jobs like we are, And those are those firms, the QCA is an accounting firm that we're partnered with. Gold Coast Wealth is Brooke Jurasic. She's a really well known mortgage broker.","start_word":9952,"end_word":10000,"sentiment":"neutral","sentiment_score":0.24165435135364532},{"text":"She's she's amazing at what she does. She can she can get a loan made out of anything.","start_word":10001,"end_word":10018,"sentiment":"positive","sentiment_score":0.503559947013855},{"text":"And as far as I'm concerned, FIO is more like commercial lending and more specialized kind of services for lending money. And then Kate Taylor Associates is accounting and law, and then Gold Coast accounting is in that group as well. We don't get any kickback for anything. No referral fees.","start_word":10019,"end_word":10069,"sentiment":"neutral","sentiment_score":0.08865106850862503},{"text":"It's just I just like the way they work, and they like the way we work so that we join together. So you've always got services that we can refer you over to.","start_word":10070,"end_word":10102,"sentiment":"positive","sentiment_score":0.49750739336013794},{"text":"That makes sense.","start_word":10103,"end_word":10105,"sentiment":"neutral","sentiment_score":0.3088514804840088},{"text":"Yes. Beautiful.","start_word":10106,"end_word":10107,"sentiment":"positive","sentiment_score":0.5686917304992676},{"text":"Now that's that document done. You can have a read through to be struggling for the next document to be fair. If you go back to the email, go to the third attached document, the twenty twenty six Oakview Financial Services Guide. Open that up. This is the compliance. I'll fly through it. That AFSL number that I was talking about, next to our ABN, it's over Yep. there. So 513068. You can search us up on ASIC. There's our address. If I run away with your money and you wanna break my knees or something like that, that's where you can find me. The and as well as our, you know, phone numbers and everything else. Now the purpose of this FSG, I'll just go through each step. So number one, purpose of it is to make sure that we can do what we do legally. Give advice about money and then it's about the next step is what does that advice entail. Right? And what about if, you know, you've got a complaint? I run away to The Bahamas and start drinking pina colitis with your money.","start_word":10108,"end_word":10296,"sentiment":"neutral","sentiment_score":0.027420347556471825},{"text":"Wouldn't be very happy about it.","start_word":10297,"end_word":10302,"sentiment":"negative","sentiment_score":-0.3539446294307709},{"text":"Right? What do you do? So that's that's all included in this document. So who we are I'll get to that in a second. But who we are, we because we run our own Australian financial services license, license number 513068, That means we can give advice on absolutely anything anything you want. It doesn't bother me. But we do have to put a disclosure of a lack of independence because we essentially aren't independent because we get commissions from other company sources, like commissions from insurances, stuff like that, and we also regulate on the aspect. So we can't really say that we're independent. It's just a stupid thing that lawmakers thought was a good idea and put in the corporations act a long time ago, but doesn't really mean anything. But it's more importantly if you skip down to the services we provide. Number four, let me know when you're Yep. there. Yep. Yep. So this is what I meant by anything. So we can give advice across the entire scope of deposits and payment products, the base deposit products like high interest savings accounts, stuff like that. Any and any government debentures or stocks or bonds, ETFs, direct equities, long term, short term bills, and government wants to build a bridge and they want private funding. You agree with those kind of government dimensions we can give advice on. Any and all life insurance products, but not general insurance. So investment life insurance products, which is, like, endowment policies, term of life investments, things like that, as well as any sort of life risk insurance products, so life, TPD, income protection, business expenditure, and trauma. After that, any and all managed investment schemes, so this is like private equity funds. If you you wanna group together with the boys around the barbecue and you decide to build a low rise and or pull your money together in a trust, we can give advice on that. And then if you just but if you just wanted to invest in a portfolio yourself, like your current share portfolio, It's if you wanna use a platform, we can give advice on all those shares as well as an IDPS, invest direct portfolio service that we manage.","start_word":10303,"end_word":10678,"sentiment":"neutral","sentiment_score":0.0949761057569784},{"text":"It's highly up to you.","start_word":10679,"end_word":10683,"sentiment":"positive","sentiment_score":0.3822876811027527},{"text":"Any and all retirement savings products, account based pensions, as well as TTR pensions, and anything in between, or any and all securities including foreign exchange as well as superannuation. And under that need that, there's two kind of hidden things that because I'm you're speaking with myself, we can you can have access to it because only myself and Bart's actually licensed to give this advice, but that's self managed super funds as well as margin lending. So borrowing from a property to buy shares. Does that make Yeah. sense? Yep. Yep. So pretty much anything. Anything you want along the financial scope, just give me a call. That's what I'm here for. Then we'll make it up. Alright? Five, how we provide advice. We'll go through this contact call, then we'll book in the time, maybe two weeks time, to go through the statement advice and the recommendations. From there, you can either say, nah. Go away. And that's it. Call it a day.","start_word":10684,"end_word":10849,"sentiment":"neutral","sentiment_score":0.141827952610441},{"text":"Wish you all the best. But if you do proceed and you see the value in our services and advice provided, then you'll sign ongoing well, a HCP authority to proceed and all the documents, and then we'll set everything up and implement everything, do all the legwork as part of that fee. And then keeping you on track, we do quarterly updates and full comprehensive annual reviews every year with yourself to make sure that we're still on track for your goals.","start_word":10850,"end_word":10932,"sentiment":"positive","sentiment_score":0.5336180925369263},{"text":"Yep. Yep. Now the fees and charges. So we are professional service. We do charge a professional service fee. You know, you somehow, you need to pay back all those university degrees, which is almost a masters, but we like to be fair as well. So we we like to set up these fees and engagements for what the work involves to set up a statement of advice. So a statement of advice is a big scary document that we have to do legally to give any personalized advice, have it, you know, pen to paper. Now different if we're looking at, let's say, an investment strategy like leveraging against your property, there's a lot of work involved there. So we do charge a letter of engagement fee, but the it depends on what service you're looking for. So from your goals and objectives, we've identified that we we you wanna have a look at your super and insurance.","start_word":10933,"end_word":11091,"sentiment":"neutral","sentiment_score":0.04305379092693329},{"text":"That's complimentary.","start_word":11092,"end_word":11093,"sentiment":"positive","sentiment_score":0.46540531516075134},{"text":"We'll draw up a statement of advice. If you only wanna scope those in, we'll draw up a statement of advice for free so that we can show you value.","start_word":11094,"end_word":11123,"sentiment":"neutral","sentiment_score":0.3214710056781769},{"text":"And then moving on, once you come on board as a client and you see the value in those services, we don't charge any upfront fees from then on.","start_word":11124,"end_word":11152,"sentiment":"positive","sentiment_score":0.3482290208339691},{"text":"K? However, if you do wanna have a look at that cash flow and budgeting or debt repayment strategies and pay, you know, more towards the mortgage, we can strategize that and plan that out and stick that in. But there is gonna be a $16.50. So $1,650 implementation fee to get that process started to draw up that statement of advice just because it's a lot more calculations and work. And then if you Yeah. wanna go a little bit more sexy into the branching out, it's $2,200.","start_word":11153,"end_word":11241,"sentiment":"neutral","sentiment_score":0.0963716786564066},{"text":"But from just this just to get started, for you to save money, and I'll probably go the root section because you don't pay anything out of back pocket.","start_word":11242,"end_word":11270,"sentiment":"positive","sentiment_score":0.34593215584754944},{"text":"And when you do pay something for our work, it will be taken out of super.","start_word":11271,"end_word":11286,"sentiment":"neutral","sentiment_score":0.1589561402797699},{"text":"That way you can see if it's actually worthwhile coming on board.","start_word":11287,"end_word":11298,"sentiment":"positive","sentiment_score":0.5546066761016846},{"text":"Right? Instead of paying $161,650 bucks for saying, yeah, you should put money into a mortgage offset when you're already in the process of refinancing anyway. You know what Yep. I mean? Yep.","start_word":11299,"end_word":11331,"sentiment":"neutral","sentiment_score":0.040408603847026825},{"text":"So if you're happy with just, you know, getting complimentary letter of engagement, complimentary statement of advice, and just make sure that we can actually provide value, then I'll go the roots if you're happy with that.","start_word":11332,"end_word":11368,"sentiment":"positive","sentiment_score":0.4876341819763184},{"text":"Yeah. Yeah. Like I said, I'm only just sort of getting involved with you guys. So, Yep. Yep. Well, obviously, that that if I that's can if I can see things at work and then in the near future, obviously, be more reluctant Yeah. to join in more of your services. But Oh, no. So so what I'm saying is sorry. I might might have not explained that correctly. So just to get the statement of advice started depends on what you want in the statement of advice. So if you only want to look at the super and insurance at the moment, I can draw that up complimentary, and we'll go through it. And you Yes. if you Yes.","start_word":11369,"end_word":11488,"sentiment":"neutral","sentiment_score":0.021556375548243523},{"text":"don't like if you don't like any if you don't like the outcome or you don't like the service or the projections that we can put forward or show value, we we don't get you in a better position, then you can say you don't wanna proceed, and then you don't pay us a cent.","start_word":11489,"end_word":11543,"sentiment":"negative","sentiment_score":-0.4436384737491608},{"text":"But if you do Yeah. proceed for any of the strategies, there's an implementation fee that's taken out of super. We can charge it out of your super fund. That's $4,950 for the document. But when you're looking at the root section, we prepare that document, which takes a lot of time and money and wages and all the rest.","start_word":11544,"end_word":11603,"sentiment":"neutral","sentiment_score":0.02554740384221077},{"text":"We can prepare that for super insurance for free to show that there is value in coming on board in the first Yep.","start_word":11604,"end_word":11626,"sentiment":"positive","sentiment_score":0.438435435295105},{"text":"place. So I understand it better now. I'm just trying I'll have more Yeah. information Yeah. You you're know what taking. I mean? That's all. Yep. Yeah. No. That's alright. Let me know if you have any questions or anything. You know, it's just it's more about just making sure you you know what's going on as well. Yeah. So Yep. if I was in but if I was in your position, I would get the complimentary statement of advice because I don't see the value in paying paying $1,650. So $1,500 plus GST for just saying, yeah, put this much money into an offset account when you're already Yeah. in the Yeah. process of doing that. You know what I mean? So Yeah. we can do that statement advice for super insurance. And once you come on board, if you do see the value in our services and come on board, we will take you through all the rest of the stages without any implementation fee because you're already a client. So part of that involves a statement of advice ongoing fee. So if we manage your superannuation and we manage your assets or share portfolios, we charge a tiered structure percentage base. And there's two ways that we charge an ongoing fee. That ongoing fee is either, you know, flat based, where every time we get in touch with you or every I like to call it the lawyer way.","start_word":11627,"end_word":11868,"sentiment":"neutral","sentiment_score":0.08724088123268332},{"text":"I hate it.","start_word":11869,"end_word":11871,"sentiment":"negative","sentiment_score":-0.39832067489624023},{"text":"But it's like, you know, every time that I send you a as an email or every five minutes of my time, I'll every staple and every piece of paper we send out, everything, I'll send you a big juicy invoice to pay it back. Right? And, you know, even if it's five minutes of my time, we would charge an hour because it's taking it's taking another that hour.","start_word":11872,"end_word":11941,"sentiment":"neutral","sentiment_score":-0.1977342665195465},{"text":"And my time's not that cheap. So for that reason, that kind of fee structure for an ongoing service, I don't agree with because it directly conflicts with our vision of being trusted.","start_word":11942,"end_word":11974,"sentiment":"negative","sentiment_score":-0.5091627836227417},{"text":"You know, if you wanna if you to be the most trusted financial planning firm, we need to speak to each other. We need to have rapport, and you need to be able to trust me. The way we build that is by speaking to each other. Right?","start_word":11975,"end_word":12022,"sentiment":"neutral","sentiment_score":-0.04273614287376404},{"text":"But if you know that you're gonna get a big juicy invoice every time you speak to me, you're not gonna wanna speak to me that often.","start_word":12023,"end_word":12049,"sentiment":"negative","sentiment_score":-0.3361817002296448},{"text":"Right? So for that reason, we charge a percentage based fee. For your assets, it'll be 1.65% ongoing. Just means that I've just got more incentive for me to make you more money because I get paid more. And if you lose for whatever mark happens in the market, then I get paid less. I think it's fair. Is that asset Is that fee on on my total assets, you mean, or is that just not super? yeah. Correct. No. So so so that's just your superannuation. Only assets that we manage. So we're not managing your properties or anything. So Yeah. it's just gonna Right. be if we give advice on super insurance, we'll just be the super fund. Yeah. Correct. It And was we can essentially charge one point. 1.65%, so 1.5% plus GST. But then when you get to $200, so hopefully, we get you there as quick as possible, then the fee drops between two two hundred thousand to 500,000. The fee drops to 1.375. So, essentially, 1.25. It's 1.5%, 1.25, one, and then one point 0.75 tiered up, but then our GST is what And those is numbers that so are. is that is that an annual fee based on that percentage? Correct. Correct. So it's your funds, whatever the fund balance is, it's an annual fee, but deducted monthly. So, you know, if you've got let's just say you got a 117 at the moment. Right? So a 117,000 times that by 0.0165. That's $1,930.50 a year. And then you divide that by 12 because there's twelve months a year. So that would essentially be a $160 of the funds in a year, every in that month. And then the next month, the first of next month rolls around, and let's just say you got a 120,000 because it's grown by $3 or a 150,000. Whatever it might be, we'll do the same calculation divided by 12 to deduct that monthly. So the Yep. reason why we do it that way is that it it evens up the volatility in the market. Whereas if we deduct it from an annual basis, you know, that might be the peak of the market. And then if it goes your portfolio goes up, withdraw the funds there, and then the the market crashes, it's over the year, it's not gonna be 1.65%. It's gonna be significantly more on an average, if that makes sense. So we try and even it out so that we can utilize more compounding return for you. Right. And that those fees, and I just get the ducker there as a super itself. Yep. Yep. Yep. We can deduct everything out of super so that you don't pay anything out of your back pocket. It's the bit it's the most tax effective strategy because you only pay 15<unk> on the dollar going into super. Yeah. At the moment, Yeah. you're paying, you know, 37, 39 Medicare, Yeah. Yeah. all I'm include Yep. Medicare. So so and then you don't feel any weight off your back pocket, especially in your position with two kids. You know what I mean? Yep. Yep. Does that make sense? Do you have any questions about that? Yeah. That's Or that's I got a better understanding of that now.","start_word":12050,"end_word":12599,"sentiment":"neutral","sentiment_score":0.07234508588063446},{"text":"Yeah. Thanks. yeah. Beautiful.","start_word":12600,"end_word":12603,"sentiment":"positive","sentiment_score":0.5095854997634888},{"text":"No questions. Wanna make sure that you don't get any surprises when we do present the statement of advice. And just so you're aware, when we do the calculations and projections for super, we take into account all these fees as well as the as well as inflation.","start_word":12604,"end_word":12651,"sentiment":"neutral","sentiment_score":0.2612930238246918},{"text":"So it's gonna be that result's gonna be in the in today's dollars value.","start_word":12652,"end_word":12665,"sentiment":"positive","sentiment_score":0.3707897365093231},{"text":"Yep. Cool. No questions? All good? I I suppose one more question. So which Yeah. super Go for it. which super company do you usually run with? Well, it depends. We we've got an ASL. We can recommend I can recommend from Sunsuper all the way up to, I don't know, some Nigerian pension fund that invests in lemon trees in Zimbabwe. Like, we can we can literally invest in anything. At the moment, our largest book is with either Netwealth or one of the retail funds because we've because you got quite a we've we've grown for quite a while, and we've got to a position where we've we're the only company that's got a BlackRock backed SMA in the whole country, and this is gonna remain that way. So BlackRock and our investment philosophies align. So because of that kind of, you know, market movement and that sway, we can get deductions on certain platform fees. Also, you'll find that retail funds with access to direct equities and, you know, all sorts of weird and wonderful investments and a really sophisticated platform that does aggregate trading to minimize brokerage and all that stuff, we can get for more often than not cheaper in terms of administration investment costs than your standard industry fund, like Zebra or Australian Super or whatever. Okay. So So so if we if we I so it really depends. yeah. Sorry. I'll just so if I were to sign up with you guys, I don't have to deal with Cbus or anything at all. Is that you do all that No. sort No. No. of We stuff? Or well, you're paying yeah.","start_word":12666,"end_word":12943,"sentiment":"neutral","sentiment_score":0.14164400100708008},{"text":"Absolutely.","start_word":12944,"end_word":12944,"sentiment":"positive","sentiment_score":0.4918133616447449},{"text":"You're paying us paying us for a service. yep. That's a service. Yep. Yep. Yeah. We do all the leg work. We we will make all the rollovers happen. We'll do the sell downs. We'll do the investments, the reinvestments of any super contributions coming in. But when it comes to the product, I just have to find out if it's suitable for you because that's the one of the one of the hard things with running your own license and being able to recommend any product on the planet is that exact thing, being able to recommend every any product on the planet.","start_word":12945,"end_word":13048,"sentiment":"neutral","sentiment_score":0.1905655860900879},{"text":"So with with with an endless amounts of options, we need to make sure that what we're what product we're recommending for you is the most affordable, but it also gets you to a goal of that $1,500 a week.","start_word":13049,"end_word":13088,"sentiment":"positive","sentiment_score":0.4426756799221039},{"text":"And whatever product that is, I don't care. It doesn't bother me. But it's just whatever that product is, it's probably gonna be an Australian retail fund that's listed or something along those lines that we know has good backing. It's not gonna go bust anytime soon, things like that. Yep. And is that Does that something make so, obviously, if I'm with a different superannuation fund, I'll just have to tell my employer to put in another account. How does that Yep. work? Yep. Exactly. Right. We will we will send you out a what's called a Superchoice nomination form, and we'll get we'll go get you we'll send that out by email and hard pack.","start_word":13089,"end_word":13205,"sentiment":"neutral","sentiment_score":0.07809536159038544},{"text":"We'll give you a real welcome pack.","start_word":13206,"end_word":13212,"sentiment":"positive","sentiment_score":0.3499724864959717},{"text":"You can either have that form where that form will be in that hard pack, but we will also send it via email. All you have to do is forward it on. We've got all the details in there, and they will start contributing to whatever super fund we recommend. Right here. Okay. Okay. So make sense? Yeah. Yeah. That does make sense. Yep.","start_word":13213,"end_word":13276,"sentiment":"neutral","sentiment_score":0.1863142102956772},{"text":"Beautiful.","start_word":13277,"end_word":13277,"sentiment":"positive","sentiment_score":0.5558903217315674},{"text":"And what I can also do is give insurances regarding, say, life DPD as well as income protection. If you want that, I can get that structured inside super as well.","start_word":13278,"end_word":13308,"sentiment":"neutral","sentiment_score":0.21855750679969788},{"text":"The only one we can't do is trauma.","start_word":13309,"end_word":13316,"sentiment":"negative","sentiment_score":-0.3365820348262787},{"text":"Trauma policies cover you gotta pay out of your back pocket, but it sounds like a trauma policy it covers things like heart attacks, cardiovascular disease, and which is which heart attacks are cardiovascular disease, and strokes and cancers. Big one. Cancers in Australia. So if you want me to have a look at that, you can I can look at it? At your agent stage, it will probably be, like, between 10 and $20 a month. But just by speaking to you, I think I don't think it's I think it'll be more valued in utilizing those funds to put towards your mortgage offset. Yeah? Yeah. Yeah. Well, that's what I could always look into later on. Yeah. Correct. And once you come onboard and you see the value and you do come onboard as a client, you you you have access to us. It's another thing about the percentage based ongoing fee. You're not gonna get invoiced for when you speak to me. So you can call me every day if you want. Preferably not, but, you know, you Yeah. know what No. I That's mean. I don't wanna hassle you up, but yeah. Because the other thing too, I've Correct. got a we work under a enterprise bargaining agreement too. So we do get Oh, the income okay. protection through the union and stuff So like you've that. got income protection through But through the unions. yeah. So we got a thing called u plus. So if something happens at work and we're unable I'm to I'm aware work, of it even too. outside Yeah. But of work, we can climb up to, I think, at six months of Paid. I think, the cafe 2.5. I can't remember. Okay. So income protection is similar to that, but it can cover you all the way up to age 60, 65, or even five years. I Right. might have Yeah. it if it covers you for six months, let's just say you get in a car crash and you aren't able to work because of injury or illness for a year. What are you gonna do for the other six months? Yeah. That makes sense. Yep. So what we can do is we can introduce a waiting period, Scott. So we can structure that policy that we're gonna recommend for you to have a six month waiting period. So for six months, you get paid by the union, cuts off, then we initiate the payment from the six month mark because of the income protection claim, and that'll cover you for another five years, let's Yes. say, or even all the way up to age 65 if you want. But I like five years because if you're gonna go back to use your duties of work for for more than five years, you're probably never gonna go back to work again. And you if you have TPD, it sounds like a TPD claim to me.","start_word":13317,"end_word":13812,"sentiment":"neutral","sentiment_score":0.030190550280930175},{"text":"So you get the best of both worlds.","start_word":13813,"end_word":13820,"sentiment":"positive","sentiment_score":0.4784023463726044},{"text":"You know what I Ronda. mean? Yep. So I'll show you. I'll work that out, and I'll calculate all that because overall goal is to make sure that you're insured for that enough, but not pay the nominal leg for it. Right? We wanna try and balance it out, Yep. especially if it's coming out as super. But, yep, that's a breakdown Yep. of the fees. We get we get to remunerated commission from insurance companies. The insurance company, if we write insurance or any sort of endowment policy or any sort of risk investments, we get paid commission on that. All the commissions are same, 66% across all insurers. So we don't favor one over the other. It's just whatever is best for your risk rating and appetite in terms of your occupation. Last thing I wanna just touch on, we've got all the insurances you can ever imagine. Pay a lot pay through the teeth for them.","start_word":13821,"end_word":13979,"sentiment":"neutral","sentiment_score":0.008200782351195812},{"text":"But last thing is point 11, complaints handling, and then just backfire with them.","start_word":13980,"end_word":13993,"sentiment":"negative","sentiment_score":-0.3558371961116791},{"text":"So the complaints handling. What happens if what was that example I used earlier?","start_word":13994,"end_word":14007,"sentiment":"neutral","sentiment_score":-0.22139815986156464},{"text":"What happens if you give your super to us and we've we're managing and you find out you got no super in your account because I've run away with it to I think it was The Bahamas and pina coladas or something.","start_word":14008,"end_word":14049,"sentiment":"negative","sentiment_score":-0.34037747979164124},{"text":"I'm on the I'm in The Bahamas drinking pina coladas. Right? Yep. What do you do? Because you wouldn't be well, the first thing you do is you'd go through what's called an internal dispute resolution IDL and get in touch with the compliance manager of the Australian Financial Services license that that firm works under or is. That is me. But I'm gonna be in The Bahamas, drinking beer and collabs with your money.","start_word":14050,"end_word":14124,"sentiment":"neutral","sentiment_score":-0.08154825866222382},{"text":"So I probably wouldn't wanna speak to you, and you more than likely wouldn't wanna speak to me.","start_word":14125,"end_word":14142,"sentiment":"negative","sentiment_score":-0.3580663502216339},{"text":"So for that reason, Boss, my business partner, he's also a he's also a a a responsible manager compliance manager on the license. We have to be linked to it. And you'll get in touch with him, and you'll save save us a bit of dick.","start_word":14143,"end_word":14188,"sentiment":"neutral","sentiment_score":-0.07332396507263184},{"text":"You ran away with my money. What do I do about it?","start_word":14189,"end_word":14200,"sentiment":"negative","sentiment_score":-0.6320971846580505},{"text":"And we will we've we've only had two complaints in almost ten years, so that's pretty pretty pretty good. But, yeah, we're pretty reasonable people. Please give us a call if you're upset about anything. We'll work it out. But if for some reason we don't work it out, then you can go to what's called AFTRA, the Australian Financial Complaints Authority, and they essentially are like our ombudsman. They'll they'll come down on us like a ton of bricks and Yep. just make sure that everything's fair and reasonable and go from there. Okay? Yep. Makes sense? Understandable.","start_word":14201,"end_word":14299,"sentiment":"neutral","sentiment_score":-0.03818931430578232},{"text":"Beautiful.","start_word":14300,"end_word":14300,"sentiment":"positive","sentiment_score":0.4773930311203003},{"text":"Do you have any questions about the financial services guide? Yep. Nah. Beautiful. The last thing I'm gonna do is I'm gonna shoot through a couple of questions regarding your risk profile, and then I'm gonna book in some time for us to catch up another couple of weeks and present you with some statement of advice, recommendations. K? Yep. So how would you describe your experience in understanding investment markets? Would you say that you've had a positive experience in the ETFs and the stuff that you've been buying, or would you say that you've learned risk and reward balance from negative experiences? So I'd I'd say I'm more medium risk.","start_word":14301,"end_word":14412,"sentiment":"neutral","sentiment_score":0.1304807601097439},{"text":"I've had a pretty good run-in the last twelve months. I'm up 10% total. Nice. Well done.","start_word":14413,"end_word":14429,"sentiment":"positive","sentiment_score":0.489030122756958},{"text":"Obviously, just investing in low risk ATS like a Vanguard Australia, IVV, and the v 500. Yep.","start_word":14430,"end_word":14446,"sentiment":"neutral","sentiment_score":0.1952458769083023},{"text":"Beautiful.","start_word":14447,"end_word":14447,"sentiment":"positive","sentiment_score":0.5280440449714661},{"text":"I've done a little bit of practice paper trading on TradingView. Just Yep. practice a bit of swing trading and stuff. Obviously, I wasn't very successful, Gotcha. but I do understand you gotta spend money to make money. So my risk would be about I'll be medium risk, I think. Medium risk. Well, that's why we ask these questions because we break it down to make sure that we do find the right appetite. Because now with when you're talking about risk, you got about four ingredients in the melting pot, if you would. If The agree the the four things is, one, your risk profile, what you come out of as from a quantitative qualitative to convert into a quantitative analysis. And from there, you also need to understand time horizon because time is literally risk. Time time equals risk. If you open up a Andex task, you're in front of the computer. Yeah? Yes. If you go on to a new tab and you type in andex.com.au, let me know if you got that up. Just a index chart. And extra chart. So click on the poster, and then there's a little magnifying glass, the top right corner of the of the actual poster. And I'll open it up. And then let me know when you're looking at that. It's a bit juicy prop from '19 Yeah. '50 Yeah. all the way through those colors. Yep. So the blue line is a full Australian index. Top 300, ASX, S and P 300. Light blue lines, what you're in at the moment with super with Cbus, the my super balance portfolio, it's about 70% risk on, 30% defensive. Now it says green is long term bonds. As you can see, they haven't been doing too well lately. Then Graves Cash and CPI is the orange line. At the far left hand side, if you click on the little plus sign, you'll see the growth. If you invested a $100 in any one of these assets in 1950, what would it do if you had no acquisition costs, no taxes, and all incomes that you receive by way of dividend or distributions, we reinvest back in to that exact same index of all products. Right? So a $100 on the dark blue line, this is literally what we're talking about when you talk about time versus risk. So Yep. dark blue line is just straight shares, riskiest you can get, right, other than crypto probably, but back then, they didn't have that.","start_word":14448,"end_word":14869,"sentiment":"neutral","sentiment_score":0.03678615464524353},{"text":"So if you go along the line, the industrial kinda crash where the bank cards were launched in the mid seventies, that's the first kinda drop. That's a big one.","start_word":14870,"end_word":14899,"sentiment":"negative","sentiment_score":-0.3792249858379364},{"text":"Next one up is that the big sharp one in the eighties. You're looking at so I think it was '86, '87. That's when mister Jordan Belford's first day of trading went and they had black Black Friday.","start_word":14900,"end_word":14937,"sentiment":"neutral","sentiment_score":-0.16018396615982056},{"text":"That is Black Friday, massive drop. A little bit closer to home, 2007 to 2009 is the global financial crisis.","start_word":14938,"end_word":14957,"sentiment":"negative","sentiment_score":-0.431222140789032},{"text":"To put in perspective, that big drop there for GSP was 62% of my Australian shares. So if you had a $100 in the S and P ASX three hundred, you'll you would have $38,000 left. Right?","start_word":14958,"end_word":14994,"sentiment":"neutral","sentiment_score":-0.1647566705942154},{"text":"Not not ideal. But if you kept your cool and you kept so you only you didn't put anything more in, you didn't sell, it would have taken, I believe, five point five point four years to break even again.","start_word":14995,"end_word":15034,"sentiment":"negative","sentiment_score":-0.4568402767181397},{"text":"So that's what we're talking about when talking about time horizon. So if you draw a line Yeah. from the top point across, so one, two, three, four, five, and a bit, it was it was four it was five point four, not five years and four months, but five point four months of years to be able to get you a 100 back. So even in the riskiest assets, if your investment time horizon is ten years, then you can you can essentially take as much risk as you like because you're looking at about a six year time horizon for a full growth portfolio. Does that make sense? Or Yeah. A little bit. little bit. So, yeah, that's the that time horizon is really important. When we're looking at your super, you've got thirty years. This is over Yep. thirty five. Well, this is over thirty years. And to just show you the compounding power, compounding return of you know, essentially, this is 2.5% CPI as well, but a $100 in the s and p 300 would be worth $362,654, 11.5% return every year on average. Yeah. Right? And it shows you the different aspects. I would looking at your time horizon, not only that, we also need to take the other two into accounts, which is risk tolerance and risk capacity. You have capacity to lose money, make it back. And not only that, you're tolerant. So, like, you know, that's that's actually one of the next questions I have. So what let's talk about that. So your so investments go up and down in value. It's called volatility, and you Yep. we need to understand your your tolerance to that volatility. Right? So how much could your investment drop and say super? If it how much could it drop in value over a year before you start feeling concerned and anxious? Would you say more than 50%, up to 50%, up to 25%, or up to 10? I'd say 50%. Like I said, I understand. Looking at the history of of time, I understand the market's always gonna drop and it always recovers better. So if I've seen my Beautiful. super drop 50%, I'd probably go, hang on. What's going on here? But I think I could still keep my cool and just trust that the wait time do its thing and if if I'm that makes sense. That's probably my risk yeah. tolerance.","start_word":15035,"end_word":15442,"sentiment":"neutral","sentiment_score":0.0012587280943989754},{"text":"Absolutely. Absolutely. That makes sense.","start_word":15443,"end_word":15447,"sentiment":"positive","sentiment_score":0.386663556098938},{"text":"Because, yeah, the if you look at ratio, literally one 12 eleven point nine years. If you look at any portfolio, any product, any risk risk profile on the market or out there, you the most risky you can guess if you take from when markets began to almost twelve years. I like to say twelve years, but 11.9 is a ratio of one to 1.001. So you you essentially, even in the most risky markets on the planet, if you took an index approach, you would for for a time horizon of twelve almost twelve years, you would not Yep. lose. Okay? But based on that way, you'd how would you feel if in six months after investing, you find out that your portfolio in supers decreased by 20%? What do you do? Would you, one, invest heavily, expecting future return? Over the longer term, would you, two, invest modestly to hopefully get a bit of a return? Or would you, three, hold and wait a proof of not speaking to your financial professional? Or four, tell me to get stuff to move everything to cash? What was that if it dropped 20%?","start_word":15448,"end_word":15641,"sentiment":"neutral","sentiment_score":-0.06261416728195456},{"text":"I've dropped 20 in six months.","start_word":15642,"end_word":15647,"sentiment":"negative","sentiment_score":-0.4572595953941345},{"text":"Yeah. We've got I'd I'd be right to to keep investing, keep throwing more money on it. The the way my approach from what I've learned well, like I said, I've only just started showing a bit of interest in finance in the last twelve months, but Okay.","start_word":15648,"end_word":15695,"sentiment":"neutral","sentiment_score":-0.16235683858394623},{"text":"and one of the things I read is people make the biggest mistakes when they see the market drop and they panic and they sell.","start_word":15696,"end_word":15720,"sentiment":"negative","sentiment_score":-0.4615221619606018},{"text":"Yeah. Just referring Emotional to ETF bias. studies. Yep. But That's the emotional way bias. the best way Yep. to look at it is when the market drops these things are on sale and you're better off buying more. You sort of Man, the we are gonna get along just fine. That is exactly yeah. right. Yep. Yeah. Yep. When we we people like us, we we we wait for big crashes, and, you know, COVID was a great example of that.","start_word":15721,"end_word":15802,"sentiment":"neutral","sentiment_score":-0.10127271711826324},{"text":"Everybody's losing their minds, selling out, and we're just rubbing our hands, holding, going, please, please drop more because if everything's Yeah.","start_word":15803,"end_word":15824,"sentiment":"negative","sentiment_score":-0.45991700887680054},{"text":"on sale, a So fire I suppose I'll get a little bit more excited when I see the market drop as opposed to to going up. sale. But you would you'd essentially just hold off and wait to speak to myself to tell me to ask me what to do. Right? Yeah. Yeah. Or would you just kind of wait till it's at a really low point and then do it like, be open to putting some money in yourself? Are are we referring to Super Daddies or my personal stock Oh, just in yeah. Just before? in general. Both. Both. Either or. Look, if I I've never seen it. I haven't seen a 20% drop yet. So if I send a 20% drop, I'd I'd probably ring ring yourself and say, you Mhmm. know, do you know what's going on? What Yeah. what do you think What's of what's the happening? the market? You're Yep. obviously the professional at it. So Yep. Yep. yeah. Okay. That that So is probably would you the would approach. you Yeah. would you say that, say, hold and wait improvements is probably the best answer for that one? Yeah. Yeah. I'd I'd say so. Yeah. Yep. Hold on, mate. Yeah. Cool. And then if I yeah. If it's if it's got something to do with, like, you know, a southern worldwide pandemic, yeah, I would probably be hold off until we find recovery. So we also do active management just to give you peace of mind. So during that pain, for example, COVID, we sold all of our clients' growth assets down to 50% cash position about four days into the declared pandemic. And then about when we when I believe, a little bit later, about three weeks, three and a half weeks after the bottom of market, so during recovery, we've reinvested. We mitigated about nine between 79% worth of losses for clients just from our market movement. So we do a little bit of active management in your in the background as well. K? Yep. Alright. What kind of return? This is one of those stupid questions, but what kind of return do you expect to achieve with investing with us? 18% and above, 26.8%, 34.6%, 42.4%, or five zero point two percent. I'm gonna say the most much as possible. Right? Yeah. I I have to present that Yeah. would be, yeah, obviously, You'd better. think so. Yep. You'd hope so. And how much or next question is I'm gonna ask that for you because what kind of income do you expect to receive from your investments? This is more for older clients. So, you know, one's capital growth only, no income. That's what we want, and that's what you want in this accumulation phase because yeah. You you you just have to pay 15% tax on super or if it's in your personal name. It adds on to all income. It's added on to your taxable income whether you reinvest or not.","start_word":15825,"end_word":16327,"sentiment":"neutral","sentiment_score":0.04273283921175675},{"text":"So you just wanna accumulate the biggest pool as possible in an environment like Super so that when you get to actually drawing down on it or receiving an income on a larger pool, which means more income, you wanna be you want it to be as tax effective as possible.","start_word":16328,"end_word":16378,"sentiment":"positive","sentiment_score":0.3381775915622711},{"text":"Right? Yep. At the moment, while you're working and before the age of preservation with super, it's not gonna be coming from by way of income. So we wanna try and get growth assets and accumulate as much growth in the actual stock value than actually receiving income that comes later. Okay? Does that Yep. make sense? It's ASR. Yep. Okay.","start_word":16379,"end_word":16439,"sentiment":"neutral","sentiment_score":-0.020004412159323692},{"text":"Perfect.","start_word":16440,"end_word":16440,"sentiment":"positive","sentiment_score":0.4001676738262177},{"text":"Now we're we're there's something we worry about when we get to the age of fifty fifty five. Alright? Now have you thought about taking out a loan to invest? Last two questions. Have you thought about taking out a loan to invest? Would you say, one, you have borrowed or open borrowing open to borrowing like a margin loan for stocks and managed funds? Would you next is have you have borrowed or open to borrowing for investment property, but not stocks? Or two or the third one is you're only happy to borrow for a private place of residence, and that's it. Would So you borrow I was for trying a to understand those questions, but that's I alright. will be I will be looking to borrow, like, soon to invest if that is one Correct. But of that's for an investment your property. Right? questions. Would you be open Yeah. or would you ever consider Well, borrowing against, that's say, property or where equity to be able I to buy shares? was going at before with the debt recycling. I was gonna split my loan and debt recycle Gotcha. that way. Yep. You what we could do, if you're going through a refinance, see if you can release more equity for investment purposes, because then you could just release another $50,100 grand and put in put in a share portfolio. Yeah. I was gonna when I do start, I was gonna start small and just do $10 till I get the feel of things. But Well, we we can do that's part of the service. If you're paying us, we can we can manage those. We could create a portfolio with that as well after we set the root stage up. So it's Yeah. entirely up to you. But if you go yeah. But if you're going through that, you know, if you're going through that if you're going through that refinance stage, see if you can release another 50 k or something like that. Just just on top of what you're already pulling up because we already found out that you still go, you know, you you still got a 150 to a $170,000 worth of equity that you can release, essentially. Yeah. So definitely something to look into. But just food for thought. But, yeah, you'll be open to borrowing stocks and funds. And based on the way that you answered that question, how would you feel, you know, personally, about taking out money to invest? Would you say that you're, one, comfortable borrowing for investments, but aware of are aware of the risks? Would you say that you're somewhat comfortable and kinda cautious? Would you say that you're really hesitant in doing something like that, or you say you're tempted to do it? I'd say I'll be reasonably confident. Yeah. Yeah. Reasonably Go somewhat. comfortable. Sorry.","start_word":16441,"end_word":16922,"sentiment":"neutral","sentiment_score":0.05797008732604288},{"text":"Yeah. Beautiful.","start_word":16923,"end_word":16924,"sentiment":"positive","sentiment_score":0.4758789539337158},{"text":"May you call it as a high growth investor? You I think that's if anything, I think you could even take more risk. But just by the way, you kinda described yourself as a moderate risk taker before we kinda went through this. I would be inclined not to take a full a 100% pedal to the metal. We can even gear stuff. We can we can do, like, leveraged assets as well. I wouldn't be going that far. You do have the time horizon for it. Like, you know, we're working with thirty years here, so it it would work based on time versus value and return. But you're gonna see high volatility. You're gonna see you know, if you if you go in something like that, you can easily see 20%, like, ups and downs. So, Yep. you know, it's I would be inclined to take a high growth a high growth kind of approach. What that means is somewhere in the realms of either 10 to, like, ninety ninety to 98% invested into assets between all assets like shares, commodities, gold, infrastructure, all that stuff, even property, arrears and rears, and then another between 10 to 2% worth of defensive assets. Probably the ninety ninety twenty split's kind of a good one for you because then at least if the market's full, you still have some exposure to bonds and fixed interest assets and defensive assets, which essentially, you know, will will halt prop your portfolio up, and you won't lose as much if it were to fall. And that'll prevent you from getting those 20% swings. So Right. would you be comfortable with something like that? Or Oh, yeah. I think I would. Yeah. yeah. I think you're taking somewhere it's last time I checked SeaBus was somewhere in the eighty eighty twenty split. So just taking Yep. a little bit more aggressive approach because of the time horizon we're working with, but still having a bit of exposure to defensive assets.","start_word":16925,"end_word":17260,"sentiment":"neutral","sentiment_score":0.06720274686813354},{"text":"If you're happy with that, man, I'm happy with that. I think that's I think perfect so.","start_word":17261,"end_word":17277,"sentiment":"positive","sentiment_score":0.4847314655780792},{"text":"Like I said, we've for come to you because you're the professionals, you. you know, Well, of man, a it train feels driver like we've been train driver. I'd rather that's your forte. I'd take your word. You know? yeah.","start_word":17278,"end_word":17317,"sentiment":"neutral","sentiment_score":0.11525638401508333},{"text":"Oh, thank you, man. I appreciate the confident vote of confidence. I can tell you I would be definitely going to you to drive a crane.","start_word":17318,"end_word":17343,"sentiment":"positive","sentiment_score":0.5889637470245361},{"text":"I wouldn't have a first idea about doing that. That's what makes it all go wrong. Right? But, yeah, look. What's the what I've noticed is that, you know, again, doing this for as long as I have, I've noticed that over time when you start building that rapport and that relationship with each other, you you start feeling more comfortable in, you know, our our our capacity and what we know. And what happens is that risk profile usually goes up quite considerably over time. We do a new one every year. And oh, yeah. I've I've I've had, you know, clients that were started off in a moderately defensive portfolio. You're talking, like, you know, 55 45 split. And now they are leveraged to their eyelids because they just they see the value in deducting investment debt as well as the return on it at the same time.","start_word":17344,"end_word":17493,"sentiment":"neutral","sentiment_score":0.19843047857284543},{"text":"So we're gonna build that relationship moving forward as well.","start_word":17494,"end_word":17503,"sentiment":"positive","sentiment_score":0.4362069070339203},{"text":"Yep.","start_word":17504,"end_word":17504,"sentiment":"neutral","sentiment_score":0.2711949050426483},{"text":"Beautiful.","start_word":17505,"end_word":17505,"sentiment":"positive","sentiment_score":0.4315233826637268},{"text":"But other than that, mate, that's pretty much concludes that concludes our initial consultation.","start_word":17506,"end_word":17519,"sentiment":"neutral","sentiment_score":0.19681048393249512},{"text":"Thank you for your time and patience, mate. I've got a fairly good idea of what you wanna achieve and how we're gonna get you there.","start_word":17520,"end_word":17545,"sentiment":"positive","sentiment_score":0.6784015893936157},{"text":"Now the last thing I wanna do is book in some time in a couple of weeks. When is a good time for you? Does this time kind of suit you, or would you prefer another time? Or Look. My my my job hours are pretty unpredictable, and it'll just be call anytime, and hopefully, I'm available. yeah. Yeah. No. That's alright. Well, what about let's have a look. The or fifteenth. What about Tuesday, the fifteenth? Or what about Wednesday, the sixteenth? Was that is Wednesday a good day for you? Or yeah. Correct. September. Yeah. Look. I can go for that. Like I said, sometimes I'll have a job where I've got time to make a phone call, and sometimes I'm real busy. Yeah. No. That's alright. That's alright. So Oakview Financial, We we can I'm gonna we can send just we you can just go for that, and I'll point around it. I'll still wanna make it work.","start_word":17546,"end_word":17706,"sentiment":"neutral","sentiment_score":0.04817236261153073},{"text":"Beautiful.","start_word":17707,"end_word":17707,"sentiment":"positive","sentiment_score":0.6412993669509888},{"text":"Now Oaktree Financial. I'll send you out a calendar invite, mate. You can you can actually within that invite, I'm pretty sure you can propose a new time just for some reason doesn't con it's complex or something. But either Yep. way, I'll tentatively lock it in then, and then I'll get to work, put together recommendations for your super insurances, make sure you're covered, make sure you're growing better, and getting to that goal of, say, a thousand to $1,500 a week by the age of 60. But I'll work with that at the moment because you can only access super at that age. And then from there, we can you know, once we get that, do you see the value in our services compared to c bus, obviously? And then as a kinda comparison projection table, I'll kinda compare one with the other, make sure that you see even net of fees that we can get you in a better position if we can. If we can't, I'll just give you a call and just say, hey, man. No. It's there's no points, Yep. and the only person that's gonna win out of this if you go ahead is me because I'm gonna get paid, but you're not gonna be in a in a better position. So there's no point to coming aboard. You know what I mean? Alright. Yep.","start_word":17708,"end_word":17939,"sentiment":"neutral","sentiment_score":0.0678638443350792},{"text":"Beautiful. Well, yeah, I'll send you out an invite, mate. Absolute pleasure.","start_word":17940,"end_word":17951,"sentiment":"positive","sentiment_score":0.4059974551200866},{"text":"I'll speak to you in a couple of weeks, Brodie. But if there's anything else you need, don't hesitate to reach out. Alright? You got our 1300 number there in my email as well.","start_word":17952,"end_word":17985,"sentiment":"neutral","sentiment_score":0.15033318409148386},{"text":"No worries. Thanks for your time, Shadi. No worries, mate. Speak to you soon. I thought Enjoy you your were day. right there.","start_word":17986,"end_word":18008,"sentiment":"positive","sentiment_score":0.5221286416053772},{"text":"Bye.","start_word":18009,"end_word":18009,"sentiment":"neutral","sentiment_score":0.25578898191452026},{"text":"Thanks, mate. Bye.","start_word":18010,"end_word":18012,"sentiment":"positive","sentiment_score":0.5786396265029907}],"average":{"sentiment":"neutral","sentiment_score":0.07615179639158808}}}}