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I had you booked in this morning just for a quick catch up in relation to the advice you were seeking around stuff and your super funds. Is now still a good time there for you? Yeah. All good. So sorry. I feel like I may have working you up. I'm so sorry if I have. Oh, no. I hope everything's okay. Oh, no. I only sort of need about five minutes of your time. Is is that okay, or do you want me to call back? That's okay. Beautiful. And before I jump into the call, Alex, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Beautiful. And, also, I just wanna do security day with you as well. I just need to confirm your date of birth and your full name and your address. Yep. Yep. Just your full name. Beautiful. Thank you so much for that. So, Alex, we sort of obviously touched base last time we were talking about you're wanting to go into a self managed super fund. So we have kind of done a bit of the research and had a look at everything for you. I did send you an email last time as well just with the update around the costing side for the advice. Have you did you get a chance to have a read through that? I know you're very busy. No. That's okay. That's absolutely fine. Look. One of the things that we sort of discussed was with the SMSF, what you were sorta after was go seeking the advice. You solely wanted to own property and hold some funds in cash, and you'd sort of spoken to your accountant previously, and he had started a process. Is there any just wanted to find out. Did he sort of go through the process of opening the SMSF for you, or where was that up to? No. Yeah. No. That's okay. So I was looking at the research because of what you're sort of after and, look, what we do as advisers is making sure that we're providing advice in your best interest. So if I think advice is not in your best interest, it's really important that I'm upfront and honest and tell you that. But because with the advice, as I sort of mentioned last time, we would be charging about 5,000 up to 5,000 for the advice document to sort of do this for you. But when I do the research, all my advice is gonna entail is that you speak to your accountant. They open the SMS up for you. You open a bank account, speak to a mortgage broker. I personally, after doing the research, don't feel that that's in your best interest for me to charge you to just give you that advice to see your account and then have them do all the work to open the SMS up up. So I am sort of suggesting for a much more cost effective option for you because your accountant does all that work. My advice is essentially speak to your accountant, open up the SMSF. Your mortgage broker does all the lending side of things for you, and you just need to organize a bank account. And I just don't feel that it's worth And I just don't feel that it's worth charging you a fee to provide that advice document, which is essentially gonna state that. So as a more cost yeah. Yeah. As a more cost effective option, if you just go back to your accountant and tell him that's what you're wanting to do, he can go through the process of opening that up for you. It's gonna be much more cost effective for you. It's obviously gonna be easier because you are busy. You don't have a lot of time for signing a heap of things. They'll organize it. You just sign everything that they send you, and it's gonna be a lot faster process and a lot cheaper for you in the long run. And then your mortgage broker can do all the work around the lending side of things for you. Does that make sense? Yeah. No. Absolutely. I just like, I can go back and finish the research, but for me personally, I don't feel it's in your best interest to charge you a fee just to send you back to your accountant. I feel like you should save the money. Yeah. Yeah. Absolutely. Look. In the meantime, your super is still in the hub twenty four fund. We're happy to maintain and look after that until you go through the process. Your accountant will organize the rollover for you. And once that is done, you can let us know, and we can make sure the rollover is processed out of Hub twenty four into your SMSF for you. But your accountant does most your accountant and your mortgage broker will do most of the work. So it just works out better for you guys to do it this way, and we'll support you with what we can. Yeah. Yeah. Yeah. Abs absolutely. Not a problem at all. Let me know if you do happen to have any questions. I really appreciate your time today. I just thought it's important to be honest and open with where we're at and what we need to do. And, yeah, we'll go from there, and we'll help you as much as we can. Okay? That's okay. I hope everything is okay with your dog today. And yeah. Yeah. Oh, poor thing. Yeah. Oh, absolutely. Not an issue, Alex. I'll send you an email shortly with the details that we've just gone through, and then you can let me know how you're going from there. Okay? My pleasure. I hope you have a wonderful day. Thank you. See you later. 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Alex. It's Dana from OTU Financial. How are you today? That's good. I had you booked in this morning just for a quick catch up in relation to the advice you were seeking around stuff and your super funds.\n\nIs now still a good time there for you? Yeah. All good. So sorry. I feel like I may have working you up.\n\nI'm so sorry if I have. Oh, no. I hope everything's okay. Oh, no. I only sort of need about five minutes of your time.\n\nIs is that okay, or do you want me to call back? That's okay. Beautiful. And before I jump into the call, Alex, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nBeautiful. And, also, I just wanna do security day with you as well. I just need to confirm your date of birth and your full name and your address. Yep. Yep.\n\nJust your full name. Beautiful. Thank you so much for that. So, Alex, we sort of obviously touched base last time we were talking about you're wanting to go into a self managed super fund. So we have kind of done a bit of the research and had a look at everything for you.\n\nI did send you an email last time as well just with the update around the costing side for the advice. Have you did you get a chance to have a read through that? I know you're very busy. No. That's okay.\n\nThat's absolutely fine. Look. One of the things that we sort of discussed was with the SMSF, what you were sorta after was go seeking the advice. You solely wanted to own property and hold some funds in cash, and you'd sort of spoken to your accountant previously, and he had started a process. Is there any just wanted to find out.\n\nDid he sort of go through the process of opening the SMSF for you, or where was that up to? No. Yeah. No. That's okay.\n\nSo I was looking at the research because of what you're sort of after and, look, what we do as advisers is making sure that we're providing advice in your best interest. So if I think advice is not in your best interest, it's really important that I'm upfront and honest and tell you that. But because with the advice, as I sort of mentioned last time, we would be charging about 5,000 up to 5,000 for the advice document to sort of do this for you. But when I do the research, all my advice is gonna entail is that you speak to your accountant. They open the SMS up for you.\n\nYou open a bank account, speak to a mortgage broker. I personally, after doing the research, don't feel that that's in your best interest for me to charge you to just give you that advice to see your account and then have them do all the work to open the SMS up up. So I am sort of suggesting for a much more cost effective option for you because your accountant does all that work. My advice is essentially speak to your accountant, open up the SMSF. Your mortgage broker does all the lending side of things for you, and you just need to organize a bank account.\n\nAnd I just don't feel that it's worth And I just don't feel that it's worth charging you a fee to provide that advice document, which is essentially gonna state that. So as a more cost yeah. Yeah. As a more cost effective option, if you just go back to your accountant and tell him that's what you're wanting to do, he can go through the process of opening that up for you. It's gonna be much more cost effective for you.\n\nIt's obviously gonna be easier because you are busy. You don't have a lot of time for signing a heap of things. They'll organize it. You just sign everything that they send you, and it's gonna be a lot faster process and a lot cheaper for you in the long run. And then your mortgage broker can do all the work around the lending side of things for you.\n\nDoes that make sense? Yeah. No. Absolutely. I just like, I can go back and finish the research, but for me personally, I don't feel it's in your best interest to charge you a fee just to send you back to your accountant.\n\nI feel like you should save the money. Yeah. Yeah. Absolutely. Look.\n\nIn the meantime, your super is still in the hub twenty four fund. We're happy to maintain and look after that until you go through the process. Your accountant will organize the rollover for you. And once that is done, you can let us know, and we can make sure the rollover is processed out of Hub twenty four into your SMSF for you. But your accountant does most your accountant and your mortgage broker will do most of the work.\n\nSo it just works out better for you guys to do it this way, and we'll support you with what we can. Yeah. Yeah. Yeah. Abs absolutely.\n\nNot a problem at all. Let me know if you do happen to have any questions. I really appreciate your time today. I just thought it's important to be honest and open with where we're at and what we need to do. And, yeah, we'll go from there, and we'll help you as much as we can.\n\nOkay? That's okay. I hope everything is okay with your dog today. And yeah. Yeah.\n\nOh, poor thing. Yeah. Oh, absolutely. Not an issue, Alex. I'll send you an email shortly with the details that we've just gone through, and then you can let me know how you're going from there.\n\nOkay? My pleasure. I hope you have a wonderful day. Thank you. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Alex.","start":5.8399997,"end":6.3999996,"sentiment":"neutral","sentiment_score":0.14853143692016602},{"text":"It's Dana from OTU Financial.","start":6.3999996,"end":8.02,"sentiment":"neutral","sentiment_score":0.2117605984210968},{"text":"How are you today?","start":8.08,"end":9.139999,"sentiment":"neutral","sentiment_score":0.23968635499477386},{"text":"That's good.","start":11.28,"end":11.759999,"sentiment":"positive","sentiment_score":0.6402292847633362},{"text":"I had you booked in this morning just for a quick catch up in relation to the advice you were seeking around stuff and your super funds.","start":11.759999,"end":17.575,"sentiment":"neutral","sentiment_score":0.1926908873849445}],"sentiment":"neutral","sentiment_score":0.21994309537112713,"num_words":40,"start":5.8399997,"end":17.575},{"sentences":[{"text":"Is now still a good time there for you?","start":17.575,"end":19.595001,"sentiment":"neutral","sentiment_score":0.26322075724601746},{"text":"Yeah.","start":21.415,"end":21.735,"sentiment":"neutral","sentiment_score":0.092228963971138},{"text":"All good.","start":21.735,"end":22.215,"sentiment":"neutral","sentiment_score":0.23684515804052353},{"text":"So sorry.","start":22.215,"end":22.775,"sentiment":"neutral","sentiment_score":-0.04167294502258301},{"text":"I feel like I may have working you up.","start":22.775,"end":24.375,"sentiment":"neutral","sentiment_score":-0.08697201973862118}],"sentiment":"neutral","sentiment_score":0.0899483490249385,"num_words":23,"start":17.575,"end":24.375},{"sentences":[{"text":"I'm so sorry if I have.","start":24.375,"end":25.915,"sentiment":"neutral","sentiment_score":-0.14262831707795462},{"text":"Oh, no.","start":29.59,"end":30.150002,"sentiment":"neutral","sentiment_score":-0.032025727443397045},{"text":"I hope everything's okay.","start":30.150002,"end":31.61,"sentiment":"neutral","sentiment_score":0.012524385936558247},{"text":"Oh, no.","start":36.63,"end":37.29,"sentiment":"neutral","sentiment_score":-0.033101435750722885},{"text":"I only sort of need about five minutes of your time.","start":37.75,"end":40.15,"sentiment":"neutral","sentiment_score":-0.038318340412595055}],"sentiment":"neutral","sentiment_score":-0.0542971371859312,"num_words":25,"start":24.375,"end":40.15},{"sentences":[{"text":"Is is that okay, or do you want me to call back?","start":40.15,"end":43.005,"sentiment":"neutral","sentiment_score":-0.0029437224147841334},{"text":"That's okay.","start":43.645,"end":44.465,"sentiment":"neutral","sentiment_score":0.07148505561053753},{"text":"Beautiful.","start":44.765,"end":45.265,"sentiment":"positive","sentiment_score":0.3798410594463349},{"text":"And before I jump into the call, Alex, I do need to let you know we do record our calls for quality and training purposes.","start":45.325,"end":50.145,"sentiment":"neutral","sentiment_score":0.12046202003955842},{"text":"Are you happy for me to proceed with that?","start":50.685,"end":52.625,"sentiment":"neutral","sentiment_score":0.20032304525375366}],"sentiment":"neutral","sentiment_score":0.1082029471420968,"num_words":49,"start":40.15,"end":52.625},{"sentences":[{"text":"Beautiful.","start":55.82,"end":56.32,"sentiment":"neutral","sentiment_score":0.32525309920310974},{"text":"And, also, I just wanna do security day with you as well.","start":57.18,"end":59.42,"sentiment":"neutral","sentiment_score":0.1833192159732183},{"text":"I just need to confirm your date of birth and your full name and your address.","start":59.42,"end":62.56,"sentiment":"neutral","sentiment_score":0.09922608640044928},{"text":"Yep.","start":65.98,"end":66.48,"sentiment":"neutral","sentiment_score":0.025796931236982346},{"text":"Yep.","start":67.035,"end":67.535,"sentiment":"neutral","sentiment_score":0.02722909674048424}],"sentiment":"neutral","sentiment_score":0.1343782935892382,"num_words":31,"start":55.82,"end":67.535},{"sentences":[{"text":"Just your full name.","start":70.715004,"end":71.855,"sentiment":"neutral","sentiment_score":0.043594375252723694},{"text":"Beautiful.","start":74.555,"end":75.035,"sentiment":"positive","sentiment_score":0.40831130743026733},{"text":"Thank you so much for that.","start":75.035,"end":76.495,"sentiment":"positive","sentiment_score":0.5001949816942215},{"text":"So, Alex, we sort of obviously touched base last time we were talking about you're wanting to go into a self managed super fund.","start":76.555,"end":82.095,"sentiment":"neutral","sentiment_score":0.1500402664144834},{"text":"So we have kind of done a bit of the research and had a look at everything for you.","start":82.235,"end":85.99,"sentiment":"neutral","sentiment_score":0.1850515266782359}],"sentiment":"neutral","sentiment_score":0.19816303887852915,"num_words":54,"start":70.715004,"end":85.99},{"sentences":[{"text":"I did send you an email last time as well just with the update around the costing side for the advice.","start":86.369995,"end":91.99,"sentiment":"neutral","sentiment_score":0.1388625204563141},{"text":"Have you did you get a chance to have a read through that?","start":92.049995,"end":94.21,"sentiment":"neutral","sentiment_score":0.03145029825659899},{"text":"I know you're very busy.","start":94.21,"end":95.42999,"sentiment":"neutral","sentiment_score":-0.210934641957283},{"text":"No.","start":97.595,"end":98.095,"sentiment":"neutral","sentiment_score":-0.2387968897819519},{"text":"That's okay.","start":98.795,"end":99.615,"sentiment":"neutral","sentiment_score":-0.15959713608026505}],"sentiment":"neutral","sentiment_score":0.04076910559974965,"num_words":42,"start":86.369995,"end":99.615},{"sentences":[{"text":"That's absolutely fine.","start":102.395004,"end":104.095,"sentiment":"positive","sentiment_score":0.34585124254226685},{"text":"Look.","start":104.315,"end":104.555,"sentiment":"neutral","sentiment_score":0.097372904419899},{"text":"One of the things that we sort of discussed was with the SMSF, what you were sorta after was go seeking the advice.","start":104.555,"end":110.51,"sentiment":"neutral","sentiment_score":0.07487928494811058},{"text":"You solely wanted to own property and hold some funds in cash, and you'd sort of spoken to your accountant previously, and he had started a process.","start":110.81,"end":118.83,"sentiment":"neutral","sentiment_score":0.04436776511095188},{"text":"Is there any just wanted to find out.","start":119.85,"end":122.174995,"sentiment":"neutral","sentiment_score":0.04592282068915665}],"sentiment":"neutral","sentiment_score":0.0713300388606806,"num_words":62,"start":102.395004,"end":122.174995},{"sentences":[{"text":"Did he sort of go through the process of opening the SMSF for you, or where was that up to?","start":122.174995,"end":127.075,"sentiment":"neutral","sentiment_score":0.01283929031342268},{"text":"No.","start":129.135,"end":129.635,"sentiment":"negative","sentiment_score":-0.3600950837135315},{"text":"Yeah.","start":130.815,"end":131.315,"sentiment":"neutral","sentiment_score":-0.01645379699766636},{"text":"No.","start":132.735,"end":133.23,"sentiment":"neutral","sentiment_score":-0.03132143244147301},{"text":"That's okay.","start":133.31,"end":134.11,"sentiment":"neutral","sentiment_score":0.06870534271001816}],"sentiment":"neutral","sentiment_score":-0.0005469528585672379,"num_words":25,"start":122.174995,"end":134.11},{"sentences":[{"text":"So I was looking at the research because of what you're sort of after and, look, what we do as advisers is making sure that we're providing advice in your best interest.","start":134.11,"end":141.95,"sentiment":"neutral","sentiment_score":0.055009844014421105},{"text":"So if I think advice is not in your best interest, it's really important that I'm upfront and honest and tell you that.","start":141.95,"end":147.65,"sentiment":"neutral","sentiment_score":-0.10600176469787308},{"text":"But because with the advice, as I sort of mentioned last time, we would be charging about 5,000 up to 5,000 for the advice document to sort of do this for you.","start":148.03,"end":156.305,"sentiment":"neutral","sentiment_score":0.07105933921411633},{"text":"But when I do the research, all my advice is gonna entail is that you speak to your accountant.","start":156.305,"end":161.265,"sentiment":"neutral","sentiment_score":0.019048404536749188},{"text":"They open the SMS up for you.","start":161.265,"end":163.29,"sentiment":"neutral","sentiment_score":0.05891485299382891}],"sentiment":"neutral","sentiment_score":0.020977848959443844,"num_words":113,"start":134.11,"end":163.29},{"sentences":[{"text":"You open a bank account, speak to a mortgage broker.","start":163.37,"end":165.79,"sentiment":"neutral","sentiment_score":0.03000473342835903},{"text":"I personally, after doing the research, don't feel that that's in your best interest for me to charge you to just give you that advice to see your account and then have them do all the work to open the SMS up up.","start":166.32999,"end":178.43,"sentiment":"neutral","sentiment_score":-0.06980640614448591},{"text":"So I am sort of suggesting for a much more cost effective option for you because your accountant does all that work.","start":178.77501,"end":185.195,"sentiment":"neutral","sentiment_score":0.18982474692165852},{"text":"My advice is essentially speak to your accountant, open up the SMSF.","start":185.655,"end":190.235,"sentiment":"neutral","sentiment_score":0.09984256327152252},{"text":"Your mortgage broker does all the lending side of things for you, and you just need to organize a bank account.","start":190.535,"end":192.543,"sentiment":"neutral","sentiment_score":0.08760722389533407}],"sentiment":"neutral","sentiment_score":0.04178128484636545,"num_words":108,"start":163.37,"end":192.543},{"sentences":[{"text":"And I just don't feel that it's worth And I just don't feel that it's worth charging you a fee to provide that advice document, which is essentially gonna state that.","start":192.543,"end":202.93,"sentiment":"neutral","sentiment_score":-0.2337022935671191},{"text":"So as a more cost yeah.","start":203.62999,"end":206.45,"sentiment":"neutral","sentiment_score":-0.008372281678020954},{"text":"Yeah.","start":206.75,"end":207.075,"sentiment":"neutral","sentiment_score":0.2195259630680084},{"text":"As a more cost effective option, if you just go back to your accountant and tell him that's what you're wanting to do, he can go through the process of opening that up for you.","start":207.155,"end":215.315,"sentiment":"positive","sentiment_score":0.3662846394947597},{"text":"It's gonna be much more cost effective for you.","start":215.315,"end":217.815,"sentiment":"positive","sentiment_score":0.5735033882988824}],"sentiment":"neutral","sentiment_score":0.13300017133446002,"num_words":82,"start":192.543,"end":217.815},{"sentences":[{"text":"It's obviously gonna be easier because you are busy.","start":218.19499,"end":220.515,"sentiment":"positive","sentiment_score":0.5405093828837076},{"text":"You don't have a lot of time for signing a heap of things.","start":220.515,"end":222.81,"sentiment":"neutral","sentiment_score":0.28543158219410825},{"text":"They'll organize it.","start":222.81,"end":223.77,"sentiment":"neutral","sentiment_score":0.2814699312051137},{"text":"You just sign everything that they send you, and it's gonna be a lot faster process and a lot cheaper for you in the long run.","start":223.77,"end":230.01,"sentiment":"positive","sentiment_score":0.39241421337311083},{"text":"And then your mortgage broker can do all the work around the lending side of things for you.","start":230.01,"end":234.25,"sentiment":"neutral","sentiment_score":0.16027836004892984}],"sentiment":"neutral","sentiment_score":0.3261939831401991,"num_words":69,"start":218.19499,"end":234.25},{"sentences":[{"text":"Does that make sense?","start":234.25,"end":235.31,"sentiment":"neutral","sentiment_score":0.09479049406945705},{"text":"Yeah.","start":239.02501,"end":239.52501,"sentiment":"neutral","sentiment_score":-0.004997193813323975},{"text":"No.","start":240.145,"end":240.645,"sentiment":"neutral","sentiment_score":-0.19934767484664917},{"text":"Absolutely.","start":240.785,"end":241.285,"sentiment":"neutral","sentiment_score":-0.16417597234249115},{"text":"I just like, I can go back and finish the research, but for me personally, I don't feel it's in your best interest to charge you a fee just to send you back to your accountant.","start":241.505,"end":248.785,"sentiment":"neutral","sentiment_score":-0.2748130268106858}],"sentiment":"neutral","sentiment_score":-0.22982855418393777,"num_words":43,"start":234.25,"end":248.785},{"sentences":[{"text":"I feel like you should save the money.","start":248.785,"end":250.965,"sentiment":"neutral","sentiment_score":-0.052387206349521875},{"text":"Yeah.","start":251.40001,"end":251.90001,"sentiment":"neutral","sentiment_score":0.1194639503955841},{"text":"Yeah.","start":253.40001,"end":253.90001,"sentiment":"neutral","sentiment_score":0.06464507430791855},{"text":"Absolutely.","start":253.96,"end":254.46,"sentiment":"neutral","sentiment_score":0.11610668897628784},{"text":"Look.","start":254.6,"end":254.76001,"sentiment":"neutral","sentiment_score":0.0693117082118988}],"sentiment":"neutral","sentiment_score":-0.004130852408707142,"num_words":12,"start":248.785,"end":254.76001},{"sentences":[{"text":"In the meantime, your super is still in the hub twenty four fund.","start":254.76001,"end":257.72,"sentiment":"neutral","sentiment_score":0.06800154023445569},{"text":"We're happy to maintain and look after that until you go through the process.","start":257.72,"end":261.26,"sentiment":"positive","sentiment_score":0.5059321416275842},{"text":"Your accountant will organize the rollover for you.","start":261.64,"end":264.28,"sentiment":"neutral","sentiment_score":0.12517892196774483},{"text":"And once that is done, you can let us know, and we can make sure the rollover is processed out of Hub twenty four into your SMSF for you.","start":264.28,"end":271.875,"sentiment":"neutral","sentiment_score":0.12055208585385618},{"text":"But your accountant does most your accountant and your mortgage broker will do most of the work.","start":272.255,"end":276.33502,"sentiment":"neutral","sentiment_score":0.09372106676592547}],"sentiment":"neutral","sentiment_score":0.17355271612788425,"num_words":81,"start":254.76001,"end":276.33502},{"sentences":[{"text":"So it just works out better for you guys to do it this way, and we'll support you with what we can.","start":276.33502,"end":280.915,"sentiment":"neutral","sentiment_score":0.14759425886652686},{"text":"Yeah.","start":281.135,"end":281.635,"sentiment":"neutral","sentiment_score":0.052786365151405334},{"text":"Yeah.","start":281.88,"end":282.38,"sentiment":"neutral","sentiment_score":0.02812414988875389},{"text":"Yeah.","start":286.2,"end":286.7,"sentiment":"neutral","sentiment_score":0.04712480306625366},{"text":"Abs absolutely.","start":286.84,"end":289.74,"sentiment":"neutral","sentiment_score":0.13180145248770714}],"sentiment":"neutral","sentiment_score":0.13476710807945994,"num_words":27,"start":276.33502,"end":289.74},{"sentences":[{"text":"Not a problem at all.","start":290.2,"end":291.08002,"sentiment":"positive","sentiment_score":0.3477230787277222},{"text":"Let me know if you do happen to have any questions.","start":291.08002,"end":293.1,"sentiment":"neutral","sentiment_score":0.3010269457643682},{"text":"I really appreciate your time today.","start":293.16,"end":294.76,"sentiment":"positive","sentiment_score":0.6542123655478159},{"text":"I just thought it's important to be honest and open with where we're at and what we need to do.","start":294.76,"end":298.575,"sentiment":"neutral","sentiment_score":0.2766376070678234},{"text":"And, yeah, we'll go from there, and we'll help you as much as we can.","start":299.195,"end":302.23502,"sentiment":"positive","sentiment_score":0.33876118461290994}],"sentiment":"positive","sentiment_score":0.34367291054181887,"num_words":57,"start":290.2,"end":302.23502},{"sentences":[{"text":"Okay?","start":302.23502,"end":302.73502,"sentiment":"neutral","sentiment_score":0.11857616901397704},{"text":"That's okay.","start":304.795,"end":305.515,"sentiment":"neutral","sentiment_score":0.24955448508262634},{"text":"I hope everything is okay with your dog today.","start":305.515,"end":307.915,"sentiment":"neutral","sentiment_score":0.3040788521369298},{"text":"And yeah.","start":307.915,"end":308.94,"sentiment":"neutral","sentiment_score":0.054441554471850395},{"text":"Yeah.","start":311.74,"end":312.24,"sentiment":"neutral","sentiment_score":-0.13981661200523376}],"sentiment":"neutral","sentiment_score":0.22156408702333769,"num_words":15,"start":302.23502,"end":312.24},{"sentences":[{"text":"Oh, poor thing.","start":314.94,"end":316.08002,"sentiment":"neutral","sentiment_score":-0.2638880064090093},{"text":"Yeah.","start":316.3,"end":316.8,"sentiment":"neutral","sentiment_score":-0.05165495723485947},{"text":"Oh, absolutely.","start":318.62,"end":321.12,"sentiment":"neutral","sentiment_score":0.11491007916629314},{"text":"Not an issue, Alex.","start":321.935,"end":323.05502,"sentiment":"neutral","sentiment_score":0.20012670382857323},{"text":"I'll send you an email shortly with the details that we've just gone through, and then you can let me know how you're going from there.","start":323.05502,"end":328.49503,"sentiment":"neutral","sentiment_score":0.21943431290296408}],"sentiment":"neutral","sentiment_score":0.16367500368505716,"num_words":36,"start":314.94,"end":328.49503},{"sentences":[{"text":"Okay?","start":328.49503,"end":328.99503,"sentiment":"neutral","sentiment_score":0.25199663639068604},{"text":"My pleasure.","start":331.55887,"end":332.19888,"sentiment":"neutral","sentiment_score":0.3304421529173851},{"text":"I hope you have a wonderful day.","start":332.19888,"end":333.7389,"sentiment":"positive","sentiment_score":0.858201129095895},{"text":"Thank you.","start":335.47888,"end":335.9589,"sentiment":"positive","sentiment_score":0.8468016684055328},{"text":"See you later.","start":335.9589,"end":336.59888,"sentiment":"positive","sentiment_score":0.6397941509882609}],"sentiment":"positive","sentiment_score":0.702218309044838,"num_words":15,"start":328.49503,"end":336.59888},{"sentences":[{"text":"Bye.","start":336.59888,"end":337.09888,"sentiment":"neutral","sentiment_score":-0.0848434790968895}],"sentiment":"neutral","sentiment_score":-0.0848434790968895,"num_words":1,"start":336.59888,"end":337.09888}]}}]},{"alternatives":[{"transcript":"Hello? Hello? Good. Thanks. Yep. Yep. Hang on. No. No. You're alright. I've just taken the dog to the vet. That's all. He's got surgery. Yeah. Yeah. Yeah. You're alright. No. It's okay. Yep. Yeah. So I said it's August. 08/09/1960 Point Circuit. That's it. For now, I was saying. Yep. Yep. Yep. No. I haven't read anything. Barely read a book. You don't even read books? I don't even read books too. That's right. No. No. I did didn't get that far. I'm just being too busy to do that so I called you guys. Yeah. Yep. Yeah. Yep. Well, I'm not I'm not gonna argue. That sounds right. Yep. Yep. Well, yeah, it sounds good. I just need some guidance on what what what the other steps to take. That's all. That's all. That's good. I won't see any money too. Yeah. Yeah. Okay. Alright. Do you wanna do you wanna send me yeah. Do you wanna do you wanna send me an email of what I need to get him to do and what steps to take? And then I'll just follow them, and I'll reach back to you. No. Thank you very much. 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I'll just follow them, and I'll reach back to you.","start":286.2,"end":289.1,"sentiment":"neutral","sentiment_score":0.07881382666528225},{"text":"No.","start":303.185,"end":303.425,"sentiment":"neutral","sentiment_score":-0.004531841725111008}],"sentiment":"neutral","sentiment_score":0.06204560811215259,"num_words":47,"start":272.795,"end":303.425},{"sentences":[{"text":"Thank you very much.","start":303.425,"end":304.38498,"sentiment":"neutral","sentiment_score":0.19731346890330315},{"text":"Appreciate it.","start":304.38498,"end":305.28497,"sentiment":"positive","sentiment_score":0.3696516901254654},{"text":"Oh, he'll be alright.","start":309.5,"end":310.22,"sentiment":"neutral","sentiment_score":-0.034487294033169746},{"text":"I will sort him out.","start":310.22,"end":311.02,"sentiment":"neutral","sentiment_score":-0.048273449391126634},{"text":"He's he's gonna get some cancer coming out of his chest.","start":311.02,"end":314.37997,"sentiment":"neutral","sentiment_score":-0.2527777383273298}],"sentiment":"neutral","sentiment_score":-0.06274285726249218,"num_words":26,"start":303.425,"end":314.37997},{"sentences":[{"text":"So we'll we'll yeah.","start":314.37997,"end":317.36,"sentiment":"neutral","sentiment_score":-0.07080269325524569},{"text":"Yeah.","start":317.58,"end":318.08,"sentiment":"neutral","sentiment_score":0.005364036187529564},{"text":"He's a big boy.","start":318.22,"end":319.02,"sentiment":"neutral","sentiment_score":0.047753564082086086},{"text":"He'll he'll do it.","start":319.02,"end":320.08,"sentiment":"neutral","sentiment_score":0.08646930009126663},{"text":"That'd be awesome.","start":329.025,"end":329.98502,"sentiment":"positive","sentiment_score":0.6412648558616638}],"sentiment":"neutral","sentiment_score":0.13642745546530932,"num_words":16,"start":314.37997,"end":329.98502},{"sentences":[{"text":"Thank you very 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Hello?\n\nChannel 0: Hi, Alex. It's Dana from OTU Financial. How are you today?\n\nChannel 1: Good. Thanks.\n\nChannel 0: That's good. I had you booked in this morning just for a quick catch up in relation to\n\nChannel 1: Yep.\n\nChannel 0: the advice you were seeking around stuff and\n\nChannel 1: Yep.\n\nChannel 0: your super funds. Is now still a good time there for you?\n\nChannel 1: Hang\n\nChannel 0: Yeah.\n\nChannel 1: on.\n\nChannel 0: All good. So sorry. I feel like I may have working you up. I'm so sorry if I have.\n\nChannel 1: No. No. You're alright. I've just taken the dog to the vet. That's all.\n\nChannel 0: Oh, no. I hope everything's okay.\n\nChannel 1: He's got\n\nChannel 0: Oh, no. I only sort of need about five minutes\n\nChannel 1: surgery.\n\nChannel 0: of your time. Is is that okay, or do you\n\nChannel 1: Yeah.\n\nChannel 0: want\n\nChannel 1: Yeah.\n\nChannel 0: me\n\nChannel 1: Yeah.\n\nChannel 0: to call\n\nChannel 1: You're\n\nChannel 0: back?\n\nChannel 1: alright. No. It's\n\nChannel 0: That's\n\nChannel 1: okay.\n\nChannel 0: okay. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: And before I jump into the call, Alex, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Beautiful. And, also, I just wanna do security day with you as well. I just need to confirm your date of birth and your full name and your address.\n\nChannel 1: Yeah. So I said it's August.\n\nChannel 0: Yep.\n\nChannel 1: 08/09/1960\n\nChannel 0: Yep.\n\nChannel 1: Point Circuit.\n\nChannel 0: Just\n\nChannel 1: That's\n\nChannel 0: your\n\nChannel 1: it.\n\nChannel 0: full name.\n\nChannel 1: For now, I was saying.\n\nChannel 0: Beautiful. Thank you so much for that. So, Alex, we sort of obviously touched base last time we were talking about you're wanting to go into a self managed super fund. So\n\nChannel 1: Yep.\n\nChannel 0: we have kind of done a bit of the research and had a look at everything for you. I did send you an email last time as well just with the update around the costing side for the advice. Have you did you\n\nChannel 1: Yep.\n\nChannel 0: get a chance to have a read through that? I know you're very busy.\n\nChannel 1: Yep. No. I haven't read anything. Barely read a\n\nChannel 0: No.\n\nChannel 1: book. You don't\n\nChannel 0: That's\n\nChannel 1: even read\n\nChannel 0: okay.\n\nChannel 1: books? I don't even read books too. That's right.\n\nChannel 0: That's absolutely fine. Look. One of the things that we sort of discussed was with the SMSF, what you were sorta after was go seeking the advice. You solely wanted to own property and hold some funds in cash, and you'd sort of spoken to your accountant previously, and he had started a process. Is there any just wanted to find out.\n\nDid he sort of go through the process of opening the SMSF for you, or where\n\nChannel 1: No.\n\nChannel 0: was\n\nChannel 1: No.\n\nChannel 0: that up\n\nChannel 1: I\n\nChannel 0: to?\n\nChannel 1: did didn't get that far. I'm just being too\n\nChannel 0: No.\n\nChannel 1: busy to do that so I called you\n\nChannel 0: Yeah.\n\nChannel 1: guys. Yeah.\n\nChannel 0: No. That's okay. So I was looking at the research because of what you're sort of after and, look, what we do as advisers is making sure that we're providing advice in your best interest. So if I think advice is not in your best interest, it's really important that I'm upfront and honest and tell you that. But\n\nChannel 1: Yep.\n\nChannel 0: because with the advice, as I sort of mentioned last time, we would be charging about 5,000 up to 5,000 for the advice document to sort of do this for you. But when I do the research, all my advice is gonna entail is that you speak to your accountant. They open the SMS up for you. You open a bank account, speak to a mortgage broker. I personally, after doing the research, don't feel that that's in your best interest for me to charge you to just give you that advice to see your account and then have them do all the work to open the SMS up up.\n\nSo I\n\nChannel 1: Yeah.\n\nChannel 0: am sort of suggesting for a much more cost effective option for you because your accountant does all that work. My advice is essentially speak to your accountant, open up the SMSF. Your mortgage broker does all the lending side of things for you, and you just need to organize a bank account. And I just don't feel that it's worth\n\nChannel 1: Yep.\n\nChannel 0: And I just don't feel that it's worth charging you a fee to provide that advice document, which is essentially gonna state that.\n\nChannel 1: Well, I'm\n\nChannel 0: So\n\nChannel 1: not I'm not\n\nChannel 0: as a\n\nChannel 1: gonna\n\nChannel 0: more\n\nChannel 1: argue.\n\nChannel 0: cost\n\nChannel 1: That sounds right.\n\nChannel 0: yeah. Yeah. As a more cost effective option, if you just go back to your accountant and tell him that's what you're wanting to do, he can go\n\nChannel 1: Yep.\n\nChannel 0: through the process of opening that up for you. It's gonna be much more cost effective for you. It's obviously gonna be easier because you are busy. You don't have a lot of time for signing a heap of things. They'll organize it.\n\nYou just sign everything that they send you, and it's gonna be a\n\nChannel 1: Yep.\n\nChannel 0: lot faster process and a lot cheaper for you in the long run. And then your mortgage broker can do all the work around the lending side of things for you. Does that make sense?\n\nChannel 1: Well, yeah, it sounds good. I just need some guidance on what what what the other steps to\n\nChannel 0: Yeah.\n\nChannel 1: take.\n\nChannel 0: No. Absolutely. I just like, I can go back and finish the research, but for me personally, I don't feel it's in your best interest to charge you a fee just to send you back to your accountant. I feel\n\nChannel 1: That's\n\nChannel 0: like\n\nChannel 1: all.\n\nChannel 0: you should save\n\nChannel 1: That's\n\nChannel 0: the money.\n\nChannel 1: all. That's\n\nChannel 0: Yeah.\n\nChannel 1: good. I won't see any money too.\n\nChannel 0: Yeah. Absolutely. Look. In the meantime, your super is still in the hub twenty four fund. We're happy to maintain and look after that until you go through the process.\n\nYour\n\nChannel 1: Yeah.\n\nChannel 0: accountant will organize the rollover for you. And once\n\nChannel 1: Yeah.\n\nChannel 0: that is done, you can let us know, and we can make sure the rollover is processed out of Hub twenty four into your SMSF for you. But\n\nChannel 1: Okay.\n\nChannel 0: your\n\nChannel 1: Alright.\n\nChannel 0: accountant does most your accountant and your mortgage broker will do most of the work. So it just works out better for you guys to do\n\nChannel 1: Do you\n\nChannel 0: it\n\nChannel 1: wanna\n\nChannel 0: this way, and\n\nChannel 1: do\n\nChannel 0: we'll\n\nChannel 1: you wanna\n\nChannel 0: support\n\nChannel 1: send\n\nChannel 0: you\n\nChannel 1: me\n\nChannel 0: with what we can. Yeah.\n\nChannel 1: yeah. Do you wanna\n\nChannel 0: Yeah.\n\nChannel 1: do you wanna send me an email of what I need to get him to do and what steps to take? And\n\nChannel 0: Yeah.\n\nChannel 1: then I'll just\n\nChannel 0: Abs\n\nChannel 1: follow them, and I'll reach back to you.\n\nChannel 0: absolutely. Not a problem at all. Let me know if you do happen to have any questions. I really appreciate your time today. I just thought it's important to be honest and open with where we're at and what we need to do.\n\nAnd, yeah, we'll go from there, and we'll help you as much as we can. Okay?\n\nChannel 1: No. Thank you very much. Appreciate it.\n\nChannel 0: That's okay. I hope everything is okay with your dog today. And yeah.\n\nChannel 1: Oh, he'll be alright. I will sort him out. He's he's\n\nChannel 0: Yeah.\n\nChannel 1: gonna get some cancer coming out of his chest. So we'll we'll\n\nChannel 0: Oh, poor thing. Yeah.\n\nChannel 1: yeah. Yeah. He's a big\n\nChannel 0: Oh,\n\nChannel 1: boy. He'll he'll do it.\n\nChannel 0: absolutely. Not an issue, Alex. I'll send you an email shortly with the details that we've just gone through, and then you can let me know how you're going from there. Okay?\n\nChannel 1: That'd be awesome. Thank you very much.\n\nChannel 0: My pleasure. I hope you have a wonderful day. Thank you. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.0,"end":0.5,"sentiment":"neutral","sentiment_score":0.017852339893579483},{"text":"Hello?","start":4.3199997,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.02871236577630043}],"sentiment":"neutral","sentiment_score":0.023282352834939957,"channel":1,"num_words":2,"start":0.0,"end":4.8199997},{"sentences":[{"text":"Hi, Alex.","start":5.8399997,"end":6.3999996,"sentiment":"neutral","sentiment_score":0.14853143692016602},{"text":"It's Dana from OTU Financial.","start":6.3999996,"end":8.02,"sentiment":"neutral","sentiment_score":0.2117605984210968},{"text":"How are you today?","start":8.08,"end":9.139999,"sentiment":"neutral","sentiment_score":0.23968635499477386}],"sentiment":"neutral","sentiment_score":0.2104192078113556,"channel":0,"num_words":11,"start":5.8399997,"end":9.139999},{"sentences":[{"text":"Good.","start":9.76,"end":10.08,"sentiment":"positive","sentiment_score":0.5902964472770691},{"text":"Thanks.","start":10.08,"end":10.58,"sentiment":"positive","sentiment_score":0.6631145477294922}],"sentiment":"positive","sentiment_score":0.6267054975032806,"channel":1,"num_words":2,"start":9.76,"end":10.58},{"sentences":[{"text":"That's good.","start":11.28,"end":11.759999,"sentiment":"positive","sentiment_score":0.6402292847633362},{"text":"I had you booked in this morning just for a quick catch up in relation to","start":11.759999,"end":14.98,"sentiment":"neutral","sentiment_score":0.22177406959235668}],"sentiment":"neutral","sentiment_score":0.2682690935002433,"channel":0,"num_words":18,"start":11.28,"end":14.98},{"sentences":[{"text":"Yep.","start":14.895,"end":15.395,"sentiment":"neutral","sentiment_score":0.15938863158226013}],"sentiment":"neutral","sentiment_score":0.15938863158226013,"channel":1,"num_words":1,"start":14.895,"end":15.395},{"sentences":[{"text":"the advice you were seeking around stuff and","start":15.255,"end":16.935,"sentiment":"neutral","sentiment_score":0.1348774116486311}],"sentiment":"neutral","sentiment_score":0.1348774116486311,"channel":0,"num_words":8,"start":15.255,"end":16.935},{"sentences":[{"text":"Yep.","start":16.895,"end":17.395,"sentiment":"neutral","sentiment_score":0.1669517457485199}],"sentiment":"neutral","sentiment_score":0.1669517457485199,"channel":1,"num_words":1,"start":16.895,"end":17.395},{"sentences":[{"text":"your super funds.","start":16.935,"end":17.575,"sentiment":"neutral","sentiment_score":0.1917498509089152},{"text":"Is now still a good time there for you?","start":17.575,"end":19.595001,"sentiment":"neutral","sentiment_score":0.26322075724601746}],"sentiment":"neutral","sentiment_score":0.24535303066174188,"channel":0,"num_words":12,"start":16.935,"end":19.595001},{"sentences":[{"text":"Hang","start":21.375,"end":21.615,"sentiment":"neutral","sentiment_score":0.07582849264144897}],"sentiment":"neutral","sentiment_score":0.07582849264144897,"channel":1,"num_words":1,"start":21.375,"end":21.615},{"sentences":[{"text":"Yeah.","start":21.415,"end":21.735,"sentiment":"neutral","sentiment_score":0.092228963971138}],"sentiment":"neutral","sentiment_score":0.092228963971138,"channel":0,"num_words":1,"start":21.415,"end":21.735},{"sentences":[{"text":"on.","start":21.615,"end":22.115,"sentiment":"neutral","sentiment_score":0.10945679247379304}],"sentiment":"neutral","sentiment_score":0.10945679247379304,"channel":1,"num_words":1,"start":21.615,"end":22.115},{"sentences":[{"text":"All good.","start":21.735,"end":22.215,"sentiment":"neutral","sentiment_score":0.23684515804052353},{"text":"So sorry.","start":22.215,"end":22.775,"sentiment":"neutral","sentiment_score":-0.04167294502258301},{"text":"I feel like I may have working you up.","start":22.775,"end":24.375,"sentiment":"neutral","sentiment_score":-0.08697201973862118},{"text":"I'm so sorry if I have.","start":24.375,"end":25.915,"sentiment":"neutral","sentiment_score":-0.14262831707795462}],"sentiment":"neutral","sentiment_score":-0.06569335021470722,"channel":0,"num_words":19,"start":21.735,"end":25.915},{"sentences":[{"text":"No.","start":25.695,"end":26.015,"sentiment":"neutral","sentiment_score":-0.09878768026828766},{"text":"No.","start":26.015,"end":26.175,"sentiment":"neutral","sentiment_score":-0.10414201766252518},{"text":"You're alright.","start":26.175,"end":26.895,"sentiment":"neutral","sentiment_score":-0.030955905793234706},{"text":"I've just taken the dog to the vet.","start":26.895,"end":28.415,"sentiment":"neutral","sentiment_score":0.017821176908910275},{"text":"That's all.","start":28.415,"end":29.154999,"sentiment":"neutral","sentiment_score":-0.0017540337285026908}],"sentiment":"neutral","sentiment_score":-0.008984297264500387,"channel":1,"num_words":14,"start":25.695,"end":29.154999},{"sentences":[{"text":"Oh, no.","start":29.59,"end":30.150002,"sentiment":"neutral","sentiment_score":-0.032025727443397045},{"text":"I hope everything's okay.","start":30.150002,"end":31.61,"sentiment":"neutral","sentiment_score":0.012524385936558247}],"sentiment":"neutral","sentiment_score":-0.002325651856760184,"channel":0,"num_words":6,"start":29.59,"end":31.61},{"sentences":[{"text":"He's got","start":33.87,"end":37.06333,"sentiment":"neutral","sentiment_score":-0.009787478251382709}],"sentiment":"neutral","sentiment_score":-0.009787478251382709,"channel":1,"num_words":2,"start":33.87,"end":37.06333},{"sentences":[{"text":"Oh, 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Alex.","start":321.935,"end":323.05502,"sentiment":"neutral","sentiment_score":0.20012670382857323},{"text":"I'll send you an email shortly with the details that we've just gone through, and then you can let me know how you're going from there.","start":323.05502,"end":328.49503,"sentiment":"neutral","sentiment_score":0.21943431290296408},{"text":"Okay?","start":328.49503,"end":328.99503,"sentiment":"neutral","sentiment_score":0.25199663639068604}],"sentiment":"neutral","sentiment_score":0.217580561991781,"channel":0,"num_words":32,"start":320.62,"end":328.99503},{"sentences":[{"text":"That'd be awesome.","start":329.025,"end":329.98502,"sentiment":"positive","sentiment_score":0.6412648558616638},{"text":"Thank you very much.","start":329.98502,"end":331.045,"sentiment":"positive","sentiment_score":0.656722217798233}],"sentiment":"positive","sentiment_score":0.650097634111132,"channel":1,"num_words":7,"start":329.025,"end":331.045},{"sentences":[{"text":"My pleasure.","start":331.55887,"end":332.19888,"sentiment":"neutral","sentiment_score":0.3304421529173851},{"text":"I hope you have a wonderful day.","start":332.19888,"end":333.7389,"sentiment":"positive","sentiment_score":0.858201129095895},{"text":"Thank you.","start":335.47888,"end":335.9589,"sentiment":"positive","sentiment_score":0.8468016684055328},{"text":"See you later.","start":335.9589,"end":336.59888,"sentiment":"positive","sentiment_score":0.6397941509882609},{"text":"Bye.","start":336.59888,"end":337.09888,"sentiment":"neutral","sentiment_score":-0.0848434790968895}],"sentiment":"positive","sentiment_score":0.6797623013456663,"channel":0,"num_words":15,"start":331.55887,"end":337.09888}]},"summary":{"result":"success","short":"A representative from OTU Financial calls a customer named Alex to follow up on their request for advice on their super funds. The representative explains that they record calls for quality and training purposes and sends an update on the costing side of the advice. The representative suggests speaking to their accountant and opening an SMSF to make the process easier for Alex. The representative also explains that the customer will need to organize a bank account and that the customer will need to speak to their accountant and mortgage broker to complete the process."},"intents":{"segments":[{"text":"I had you booked in this morning just for a quick catch up in relation to Yep. the advice you were seeking around stuff and Yep. your super funds. Is now still a good time there for you? Hang Yeah.","start_word":17,"end_word":56,"intents":[{"intent":"Check availability","confidence_score":0.09675768}]},{"text":"to call You're back? alright.","start_word":125,"end_word":129,"intents":[{"intent":"Request callback","confidence_score":0.05777533}]},{"text":"I just need to confirm your date of birth and your full name and your address. Yeah.","start_word":184,"end_word":200,"intents":[{"intent":"Confirm information","confidence_score":0.24967842}]},{"text":"we have kind of done a bit of the research and had a look at everything for you. I did send you an email last time as well just with the update around the costing side for the advice. Have you did you Yep.","start_word":255,"end_word":298,"intents":[{"intent":"Ask about costs","confidence_score":0.00017511814}]},{"text":"One of the things that we sort of discussed was with the SMSF, what you were sorta after was go seeking the advice. You solely wanted to own property and hold some funds in cash, and you'd sort of spoken to your accountant previously, and he had started a process. Is there any just wanted to find out.","start_word":343,"end_word":400,"intents":[{"intent":"Find out","confidence_score":0.06102817}]},{"text":"So I was looking at the research because of what you're sort of after and, look, what we do as advisers is making sure that we're providing advice in your best interest. So if I think advice is not in your best interest, it's really important that I'm upfront and honest and tell you that. But Yep.","start_word":448,"end_word":504,"intents":[{"intent":"Provide advice","confidence_score":0.25464416}]},{"text":"They open the SMS up for you. You open a bank account, speak to a mortgage broker. I personally, after doing the research, don't feel that that's in your best interest for me to charge you to just give you that advice to see your account and then have them do all the work to open the SMS up up. So I Yeah.","start_word":555,"end_word":617,"intents":[{"intent":"Open sms","confidence_score":0.3298205}]},{"text":"You open a bank account, speak to a mortgage broker.","start_word":562,"end_word":571,"intents":[{"intent":"Open bank account","confidence_score":0.55014706}]},{"text":"am sort of suggesting for a much more cost effective option for you because your accountant does all that work.","start_word":619,"end_word":638,"intents":[{"intent":"Suggest cost-effective options","confidence_score":0.054652326}]},{"text":"My advice is essentially speak to your accountant, open up the SMSF. Your mortgage broker does all the lending side of things for you, and you just need to organize a bank account. And I just don't feel that it's worth Yep. And I just don't feel that it's worth charging you a fee to provide that advice document, which is essentially gonna state that.","start_word":638,"end_word":702,"intents":[{"intent":"Provide advice","confidence_score":0.05803491}]},{"text":"I just need some guidance on what what what the other steps to Yeah. take.","start_word":844,"end_word":858,"intents":[{"intent":"Provide guidance","confidence_score":0.20725816}]},{"text":"you should save That's the money. all.","start_word":902,"end_word":908,"intents":[{"intent":"Save money","confidence_score":0.4206005}]},{"text":"do you wanna send me an email of what I need to get him to do and what steps to take? Yeah.","start_word":1042,"end_word":1063,"intents":[{"intent":"Organize and send email","confidence_score":0.000006497695}]},{"text":"Bye.","start_word":1248,"end_word":1248,"intents":[{"intent":"Indications","confidence_score":0.00020244806},{"intent":"Notes","confidence_score":0.008583413}]}]},"sentiments":{"segments":[{"text":"Hello? Hello? Hi, Alex. It's Dana from OTU Financial. How are you today?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.1733953058719635},{"text":"Good. Thanks. That's good.","start_word":13,"end_word":16,"sentiment":"positive","sentiment_score":0.6344081163406372},{"text":"I had you booked in this morning just for a quick catch up in relation to Yep. the advice you were seeking around stuff and Yep. your super funds. Is now still a good time there for you? Hang Yeah. on. All good. So sorry. I feel like I may have working you up. I'm so sorry if I have. No. No. You're alright. I've just taken the dog to the vet. That's all. Oh, no. I hope everything's okay. He's got Oh, no. I only sort of need about five minutes surgery. of your time. Is is that okay, or do you Yeah. want Yeah. me Yeah. to call You're back? alright. No. It's That's okay. okay.","start_word":17,"end_word":134,"sentiment":"neutral","sentiment_score":0.04422660544514656},{"text":"Beautiful.","start_word":135,"end_word":135,"sentiment":"positive","sentiment_score":0.3798410594463349},{"text":"Yep. And before I jump into the call, Alex, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Beautiful. And, also, I just wanna do security day with you as well. I just need to confirm your date of birth and your full name and your address. Yeah. So I said it's August. Yep. 08/09/1960 Yep. Point Circuit. Just That's your it. full name. For now, I was saying.","start_word":136,"end_word":221,"sentiment":"neutral","sentiment_score":0.10814708471298218},{"text":"Beautiful. Thank you so much for that.","start_word":222,"end_word":228,"sentiment":"positive","sentiment_score":0.4755224585533142},{"text":"So, Alex, we sort of obviously touched base last time we were talking about you're wanting to go into a self managed super fund. So Yep. we have kind of done a bit of the research and had a look at everything for you. I did send you an email last time as well just with the update around the costing side for the advice. Have you did you Yep. get a chance to have a read through that? I know you're very busy. Yep. No. I haven't read anything. Barely read a No. book. You don't That's even read okay. books? I don't even read books too. That's right.","start_word":229,"end_word":338,"sentiment":"neutral","sentiment_score":0.043602436780929565},{"text":"That's absolutely fine.","start_word":339,"end_word":341,"sentiment":"positive","sentiment_score":0.35868343710899353},{"text":"Look. One of the things that we sort of discussed was with the SMSF, what you were sorta after was go seeking the advice. You solely wanted to own property and hold some funds in cash, and you'd sort of spoken to your accountant previously, and he had started a process. Is there any just wanted to find out. Did he sort of go through the process of opening the SMSF for you, or where No. was No. that up I to? did didn't get that far. I'm just being too No. busy to do that so I called you Yeah. guys. Yeah. No. That's okay. So I was looking at the research because of what you're sort of after and, look, what we do as advisers is making sure that we're providing advice in your best interest. So if I think advice is not in your best interest, it's really important that I'm upfront and honest and tell you that. But Yep. because with the advice, as I sort of mentioned last time, we would be charging about 5,000 up to 5,000 for the advice document to sort of do this for you. But when I do the research, all my advice is gonna entail is that you speak to your accountant. They open the SMS up for you. You open a bank account, speak to a mortgage broker. I personally, after doing the research, don't feel that that's in your best interest for me to charge you to just give you that advice to see your account and then have them do all the work to open the SMS up up. So I Yeah. am sort of suggesting for a much more cost effective option for you because your accountant does all that work. My advice is essentially speak to your accountant, open up the SMSF. Your mortgage broker does all the lending side of things for you, and you just need to organize a bank account. And I just don't feel that it's worth Yep. And I just don't feel that it's worth charging you a fee to provide that advice document, which is essentially gonna state that. Well, I'm So not I'm not as a gonna more argue. cost That sounds right. yeah. Yeah.","start_word":342,"end_word":719,"sentiment":"neutral","sentiment_score":-0.007648633652558875},{"text":"As a more cost effective option, if you just go back to your accountant and tell him that's what you're wanting to do, he can go Yep. through the process of opening that up for you. It's gonna be much more cost effective for you. It's obviously gonna be easier because you are busy.","start_word":720,"end_word":773,"sentiment":"positive","sentiment_score":0.4279666244983673},{"text":"You don't have a lot of time for signing a heap of things. They'll organize it.","start_word":774,"end_word":789,"sentiment":"neutral","sentiment_score":0.28686439990997314},{"text":"You just sign everything that they send you, and it's gonna be a Yep. lot faster process and a lot cheaper for you in the long run.","start_word":790,"end_word":816,"sentiment":"positive","sentiment_score":0.38485169410705566},{"text":"And then your mortgage broker can do all the work around the lending side of things for you. Does that make sense? Well, yeah, it sounds good. I just need some guidance on what what what the other steps to Yeah. take. No. Absolutely. I just like, I can go back and finish the research, but for me personally, I don't feel it's in your best interest to charge you a fee just to send you back to your accountant. I feel That's like all. you should save That's the money. all. That's Yeah. good. I won't see any money too. Yeah. Absolutely. Look. In the meantime, your super is still in the hub twenty four fund.","start_word":817,"end_word":933,"sentiment":"neutral","sentiment_score":-0.05008111149072647},{"text":"We're happy to maintain and look after that until you go through the process.","start_word":934,"end_word":947,"sentiment":"positive","sentiment_score":0.5066248774528503},{"text":"Your Yeah. accountant will organize the rollover for you. And once Yeah. that is done, you can let us know, and we can make sure the rollover is processed out of Hub twenty four into your SMSF for you. But Okay. your Alright. accountant does most your accountant and your mortgage broker will do most of the work. So it just works out better for you guys to do Do you it wanna this way, and do we'll you wanna support send you me with what we can. Yeah. yeah. Do you wanna Yeah. do you wanna send me an email of what I need to get him to do and what steps to take? Yeah. And then I'll just Abs follow them, and I'll reach back to you. absolutely.","start_word":948,"end_word":1077,"sentiment":"neutral","sentiment_score":0.0972605124115944},{"text":"Not a problem at all.","start_word":1078,"end_word":1082,"sentiment":"positive","sentiment_score":0.3496762812137604},{"text":"Let me know if you do happen to have any questions.","start_word":1083,"end_word":1093,"sentiment":"neutral","sentiment_score":0.3043752610683441},{"text":"I really appreciate your time today.","start_word":1094,"end_word":1099,"sentiment":"positive","sentiment_score":0.6576094031333923},{"text":"I just thought it's important to be honest and open with where we're at and what we need to do.","start_word":1100,"end_word":1119,"sentiment":"neutral","sentiment_score":0.27960458397865295},{"text":"And, yeah, we'll go from there, and we'll help you as much as we can.","start_word":1120,"end_word":1134,"sentiment":"positive","sentiment_score":0.33574867248535156},{"text":"Okay? No. Thank you very much.","start_word":1135,"end_word":1140,"sentiment":"neutral","sentiment_score":0.13246838748455048},{"text":"Appreciate it.","start_word":1141,"end_word":1142,"sentiment":"positive","sentiment_score":0.3790218532085418},{"text":"That's okay. I hope everything is okay with your dog today. And yeah. Oh, he'll be alright. I will sort him out. He's Yeah. he's gonna get some cancer coming out of his chest. So we'll we'll Oh, poor thing. Yeah. yeah. Yeah. He's a Oh, big boy. He'll he'll do it. absolutely. Not an issue, Alex. I'll send you an email shortly with the details that we've just gone through, and then you can let me know how you're going from there. Okay?","start_word":1143,"end_word":1226,"sentiment":"neutral","sentiment_score":0.059439174830913544},{"text":"That'd be awesome. Thank you very much. My pleasure. I hope you have a wonderful day. Thank you. See you later.","start_word":1227,"end_word":1247,"sentiment":"positive","sentiment_score":0.7222835762160165},{"text":"Bye.","start_word":1248,"end_word":1248,"sentiment":"neutral","sentiment_score":0.29202139377593994}],"average":{"sentiment":"neutral","sentiment_score":0.0962543487548828}}}}