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Easter weather is always perfect this time of year. I'm just giving you a call to go through your annual review. Perfect. Perfect. I do have just a quick security process to go through with you, and then I'm gonna send out your review pack for today. Are you okay for the call to be recorded? Amazing. And just for the security of your information, I am registered with ASIC as adviser 1273105. Are you okay to confirm your date of birth and address, please? Perfect. And I must apologize you did have a client password on file that I was supposed to just use, which is your mother's maiden name. Would you like me to leave that on there for future calls? Perfect. Perfect. Perfect. So I've got your email coming through to your@live.com email. Are you able to look on to that with me today, or do you want me to just kind of explain what's there? Hey. No. That's okay. I'll walk you through everything. Just make sure you have a little bit of a look before you sign anything and call back with any questions you might have, if that's okay. Perfect. So what I'm shooting through to you now, just so you know what's there, is, like, a performance summary for your hub twenty four, updated financial services guide with Oakview Financial, just license details, complaints, procedure, what we can and can't give advice on, and our updated services guide. You don't have any, like, insurances or anything. There's no certificates coming along with that. And there is also a bit of a a service agreement there as well if you're comfortable to remain a client with us after this review. So I'll pop that through to you now. Please bear in mind, we have just switched into a new system. We kind of custom built it for Oakview. Much better to track everything going on with you, the advice that you need and everything. But the emails, like DocuSign style, that may come through to your spam box, or it may come through to your main inbox just for the first one. Cool. Now definitely don't tell anything just yet. We'll go through all of your situation first, make sure we are comfortable with everything first, and then we're good to go. Is there anything in particular you would like to get out of this year's review? Are you talking about the world or more personally? Yeah. Pretty weird. And I know Now was that Tintin Secure? Oh, wow. That shut down. So what what have you switched into now? Oh, no. It does. Oh, wow. Okay. Evolution is the new job. What what did you get with them? What did you get with them in terms of role? Oh my gosh. That is quite a change. I think we had you as a office manager back in the day. So now you're driving explosives in a truck? Alright. Out of the hole. And do you have an idea about, like, yearly salary, yearly income once you average it out? Do you have a bit of an estimate? Amazing. That would be fantastic. And that's underground mining, isn't it? Because they're driving it out of the hole. Wow. Amazing. Are they gonna put you on a bit of a two on, two off type roster, or what's the week on, week off? And while you're there, you're pretty much gonna be driving trucks the the whole time. Alright. That would count as a bit of, like, a full time contract. Correct? Closing. Yeah. I heard the same thing about three times today. I'm I'm the same. There's hundreds of emails, but then there's also 30 replies in the chain. I just can't find anything at the moment. And just while you're grabbing that up as well, so Thompson Street, Boulder, that's the same address. Your live email is still correct. So no new postal address or anything? Perfect. And we had you engaged the last time we spoke, I believe, as well. Yep. And two dependent children under the age of 18 around about 13 and 11. Alright. Yep. Now was that 55 or 65? Because it just cut out. $5.05. $1.00 $9.05 5 including super on base. And have they already talked to you about potential to do a lot of OT on the top of that and earn above? Quarterly bonuses, 12.5% minimum. Amazing. That's so cool. Congratulations. The Northern Star was never meant to be, and it led the path to your next one. Absolutely. I don't see too much else has changed. Just gonna quickly check your assets and liabilities. We had your home valued at about $280,000 owing 80. Okay. Fantastic. About 80,000. Cool. So 80 still sounds about on the money? Perfect. We had a $6,000 motor vehicle and a couple $100 on a Zip account. 25 fully owned. Fantastic. Love a good Hilux. And do you have anything in I know you you're doing a bit of, like, redraw you mentioned. Do you have anything in, like, a emergency fund savings off to the side? Yep. Totally fair. So there's a bit of savings there. And do you have any other assets or loans, any shares, crypto, anything like that? Yep. Oh, no. Okay. Yep. So for now, leave the Hilux with you, and that's it. Yep. Easy done. And this one's a little bit new this year, but have you ever gone through, like, a bankruptcy or a part nine debt agreement before? It's like an insolvency question. No? Perfect. Awesome. And you don't have a will or power of attorney in place? Yeah. Absolutely. You wouldn't believe I've had that conversation maybe four times a day at the moment. And I think one of the the easy little tips I can give you, which may help, is you've got three easy options. So you can talk to a solicitor, of course, and how long is a piece of string for how much you might get charged there. The public trustee of every state also does appointments. Like, you know, at the courthouse, they can do appointments for wills and power of attorney there as well. And the third one is Australia Post actually has basic government approved will kits and power of attorney kits for about $25 a pop. They're good for, like, getting a basic setup. If you were trying to set up, like, a family trust or something, probably not the best, but it does help kind of get something simple in place and in writing. Of course. Absolutely can. And just so I can take down a couple of notes for that future conversation, what are you thinking when it comes to Family Trust? Yep. Yep. That's always the case. Yeah. It definitely helps keep things in writing for beneficiaries who controls the assets, under what provisions that can do it. The only thing that I'm not an expert on is cross country family trust. I know yeah. Absolutely. Do you have many contacts back in New Zealand in terms of, like, lawyers, accountants, things like that by any chance? Yep. So the only thing I can think of is that when it comes to, like, Australian ones, accountants can help set up the entities. When it comes to set up a trust, set up a company, that's what they kind of specialize in. Lawyers are your best bet when it comes to carefully planning the legal side around who can and can't control assets and how it gets passed down in an estate planning sense as well. Advisors, we're kind of the the middle guy. We talk about strategy. You know, there's all these things about income splitting in a family trust and how the government's changing the legislation to try and tax that and all that kind of thing. So we slot in the middle of a bit of a network, but lawyers and accountants are fantastic at that side of things, especially if it's messy family relations. Yep. No. It's a story as old as time, and the more and more that the baby boomer generation goes along, their assets are being fought over when they pass away. I have a lot of clients from New Zealand who have land back home, and it's just a constant constant conversation. I wish I could do a little bit more to help there, but, yeah, just seeking some professional guidance and and chatting around between a few different professions might give you some good ideas. Yeah. Absolutely. What about your beneficiary for the super? I did notice that it wasn't actually up to date at the moment. Were you wanting originally to try and put your your partner on there, or what was your thinking when it comes to who the super goes? Cool. So what I will do is I will send out a beneficiary form. Because it's a legal document, you do have to, like, wet sign it and get a witness. So we've got really cool instruction pages over the front, which will tell you exactly how to do it. Just to kind of briefly explain it now while I've got you, you can choose two things when it comes to a beneficiary. You can choose whether you want it to expire or not so it can lapse after three years or just continue on until you change it. Do you have a preference there? Perfect. So that's called a non lapsing, and there's, like, a little tick box for it. And the other one is, do you want it to be legally binding or not legally binding, which is a strange question, but it basically means the super fund can have discretion. Yeah. So you can make a the most common is nonlapsing binding. So it doesn't expire, and it holds up in court. K? I will note that down, and we can. Would it be helpful if we kind of prefilled some of the forms for you, or are you happy just to kind of read through and and fill in Kane's details? Perfect. Any questions at all? Just call that 1300, and the team can walk you through it in two minutes flat. Amazing. Outside of that, now we don't have any insurances in place as far as I can see. You have just gone to a new role underground mining, which is very difficult to get insurances. I did just wanna ask the question about whether you wanted me to investigate any life disability, income protection, or trauma insurance for you this year. Perfect. Once we catch up again in the future, we'll probably ask you about that. And if we can get any details about what they cover you for just to keep on file, that would be lovely. I will make a note of it for now just so that the team's aware. Perfect. Now when it comes to the super, nice and easy. If you recall, we put you into a Hub 24 Superfund in their Discover menu. So Hub has three menus. You've got Discover to start off, nice and low fees when you've got a lower balance. Then as you get up higher, you can move into their core menu, more investment options, and then their Choice menu, which has apparently the most options in the entire country, which is fantastic. So it's perfect. It'll give you a lot of flexibility for when you've got a let's say you've got a 100,000. You pay an extra flat fee to get access to all the other options, but then it means that we can build pretty much anything for you. So it kind of grows as you grow. Does that make sense? Yep. Now when it comes to the current one, now we've put you in a Vanguard high growth fund, which is just index funds, low fees, follows the market, and puts basically 90% of your super into growth assets, shares, property, gold, all that kind of thing, just to try and get you caught up there a little bit quicker. You don't really have a bad balance for your age, but now that you're gonna be earning this much with the new company while you're in high growth, both of them are gonna compound really well over the next sort of ten, twenty years. Now I'm just gonna quickly it's not too bad. Like, I have seen people that come through the door. 30,000 at 30 is kind of a bit average, and 42 or 33 is not too bad. It's only really a difference of, like, a year or two of strong growth and contributions. It's not that big of a a gap. Well, it's just shy of 42,000. You're sitting at $41.09 $6.09. Yeah. That's exactly right. I've got the performance that I'll shoot through to you. I'm gonna actually regenerate a performance figure as of today just so I've got the most up to date for you. And let me have a quick look. Amazing. This is what I like to see. Despite the stock market going down the way it has, you've still cleared just under a 15% return net of fees. So you've put in, let's say, around 8,000 ish, and it's had a total growth on top of that of about 5,500 net of fees as well. So that's doing its thing. When it comes to these high growth index funds, basically, we want you to average out at around about 10% or above over a long period of time. So some good years, it'll go up ten, twenty, 30. In the bad years, it may go down ten, twenty, 30. Usually, what tends to happen is every seven years, stock market goes up a bunch and then crashes, goes up and crashes. And you probably know the drill on the news. There's a financial crisis, COVID, war in Iran, something kind of shocks the world every seven years or so on average, give or take. The main plan for you is contributions go in. It's an index fund, so it follows everything very closely. And anytime it dips, we get to use that as a bit of a buying opportunity. Contributions come in. All the properties and shares and gold go down. We can just buy more of them without selling them. And then when your super funds goes up, you get those high returns on the way back up again. Now we obviously don't wanna keep you high growth when you're 64 because you probably don't wanna lose half your super a year before you go to live off of it. So at some point, it's like, build it now and then protect it when you're close to retirement. Does that make sense? Yep. So for now, our main plan for you at the moment is keep building up this balance with the low fee menu and hub. Let your contributions go in. Do you need anything in terms of SGC forms to give to your payroll at the new place? Yep. Perfect. Perfect. Fantastic. Once we get you up to somewhere between 60 and 80,000, we may then look up moving you up to the core menu of Hub where we've got some better portfolios in there. And then once you're over a 100,000, we could probably look at that choice menu as well. So we're just gonna kind of progress you in three stages. Do you wanna look at any kind of salary sacrifice into super? Or, really, the main question is, what will you be doing with your cash flow at the new job? Are you saving for anything in particular? What's the plan? Long overdue, isn't it? Yeah. So what are we thinking holiday wise? We're going back to New Zealand a couple of times? We're going abroad, internally in Australia? Oh, okay. Novated lease and a new car. Now when you go to Bali or New Zealand, how much will that cost you these days? We're talking 5, 10, 20, 30? Yep. So is it okay if I put down just an estimate of about 15 or so for each trip? Yep. Perfect. Alright. So outside of that, you have the mortgage to finish off, some trips to go on to, and we do have some notes to try and get you to retire a bit earlier. So you can access your super at 60. The age pension is 67. And are you still of that mind of let's go out as quick as we can so I can retire as early as I can? 100%. Perfect. So that makes our job very straightforward. We just continuously update your portfolio and try and make sure it's on track for what it needs to be returning. You do your thing with work and pay off the mortgage. And if there's anything else that you would like to look at along the way, whether it comes to trust discussions, estate planning, or even investing, we can definitely sort of swing into different areas of advice as you might need. Is there anything that you think you might wanna look at over the next five years? Yep. Oh, so you still gotta kind of play through the the end of Yeah. Absolutely. That's a good thing to keep an eye on is just keep your your savings high and make sure all of that's settled before you dive into too many other things. Yeah. Yep. We're we're looking for the four bedroom now. After that, I'm just making a few notes that, basically, what the main thing is is just transition into work, finalize liquidation of the business, grow your savings, go on a couple of trips, upgrade your home, retire early, and upgrade your car. Awesome. Anything else that I have missed there? Perfect. Perfect. Perfect. And if you don't mind me asking, what are you you're baking at the moment? Just we talking cakes, cookies? Oh, well, I shouldn't have asked. I'm on late night tonight. I've still got a few hours to go, and I'm I'm starving already. No. That's okay. That sounds amazing. Alright. Now before I kind of finish up, is there any questions on your end so far? Perfect. Perfect. Look. There's always two, and they always tend to kind of play off each other. I do the same thing for my wife, so it's always good to have. If you don't mind me asking, is your partner a client of ours as well? Or okeydoke. So I just wanna do my due diligence and double check that I've sent you the right agreement before you tick anything. So bear with me for two seconds because we have a the partner's fee discount, and I just wanna make sure that's been applied. Yes. It has. So, normally, we would charge 1.65%. You are down to the partner's discount of 1.1. When you go above 600,000 in your super, which sounds crazy, it does actually cap as a flat fee at that point because we do have clients that get to a million, 2,000,000, and it can be quite excessive. You can't charge $40,000 for the same service. We're good, but there has to be a limit. But over the years, because of you being on 6 figures high growth, it wouldn't be surprising for you to be going to a million, million and a half, 2,000,000, that kind of thing. Most people in our generations who are six figures early are going to be hitting some pretty high figures in their super, especially with 12% going in now and especially on a will you be getting paid weekly, fortnightly, or monthly? Fortnightly. So the cool thing is they've changed the legislation to make it fortnightly in line with your pay cycle for the super contributions. So that way, you don't have to wait three months for it to go in. It goes in with your pay, and that means it gets invested quicker, invested for longer, and that's gonna really help us as well. Our main problem is gonna be in thirty years' time, the cost of living and inflation. So even if you've got a million million of super, if a 100,000 buys bugger all in twenty years' time compared to what it does now, we do have to compensate for that and get you a little bit of extra growth as well. It is, but that's why we we keep an eye and we pivot and we do what we can and we invest because how long would it take anybody to save a million dollars in their bank account? Probably take them a lifetime, and it's pretty hard to do. Alright. When you do go through that email, you will have attachments like a normal email, like PDF attachments with all of your reports and everything. And then the actual blue link is to go in and sign the service agreement itself where you can download a signed copy. So I did wanna ask you, Moana, are you still comfortable for us to remain your advisers? Amazing. That pretty much wraps up the review for the time being. Do you want me to put in any kind of quarterly or six monthly contact with you to go through any changes or potential advice, or do you are you happy just to wait for the next annual review and call in as needed? That's perfectly fine. So we'll still keep sending through details and changes and making updates. And if you're that way inclined, you can check out the videos we're starting to do on our website about the economy and everything. But if not, please call in if there's been any major changes or anything that you guys need or would like to talk about. Awesome, Anna. Any last questions for me before I let you go? Awesome. I will talk to you soon. If you have any questions, call back, and have a fantastic week. Thank you. 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Moana. It's Tommy here, senior adviser from Oakview. How are you doing? I'm doing fantastic. It's a cool, beautiful day on the Gold Coast.\n\nWhat about your end? That's what we love to hear. Easter weather is always perfect this time of year. I'm just giving you a call to go through your annual review. Perfect.\n\nPerfect. I do have just a quick security process to go through with you, and then I'm gonna send out your review pack for today. Are you okay for the call to be recorded? Amazing. And just for the security of your information, I am registered with ASIC as adviser 1273105.\n\nAre you okay to confirm your date of birth and address, please? Perfect. And I must apologize you did have a client password on file that I was supposed to just use, which is your mother's maiden name. Would you like me to leave that on there for future calls? Perfect.\n\nPerfect. Perfect. So I've got your email coming through to your@live.com email. Are you able to look on to that with me today, or do you want me to just kind of explain what's there? Hey.\n\nNo. That's okay. I'll walk you through everything. Just make sure you have a little bit of a look before you sign anything and call back with any questions you might have, if that's okay. Perfect.\n\nSo what I'm shooting through to you now, just so you know what's there, is, like, a performance summary for your hub twenty four, updated financial services guide with Oakview Financial, just license details, complaints, procedure, what we can and can't give advice on, and our updated services guide. You don't have any, like, insurances or anything. There's no certificates coming along with that. And there is also a bit of a a service agreement there as well if you're comfortable to remain a client with us after this review. So I'll pop that through to you now.\n\nPlease bear in mind, we have just switched into a new system. We kind of custom built it for Oakview. Much better to track everything going on with you, the advice that you need and everything. But the emails, like DocuSign style, that may come through to your spam box, or it may come through to your main inbox just for the first one. Cool.\n\nNow definitely don't tell anything just yet. We'll go through all of your situation first, make sure we are comfortable with everything first, and then we're good to go. Is there anything in particular you would like to get out of this year's review? Are you talking about the world or more personally? Yeah.\n\nPretty weird. And I know Now was that Tintin Secure? Oh, wow. That shut down. So what what have you switched into now?\n\nOh, no. It does. Oh, wow. Okay. Evolution is the new job.\n\nWhat what did you get with them? What did you get with them in terms of role? Oh my gosh. That is quite a change. I think we had you as a office manager back in the day.\n\nSo now you're driving explosives in a truck? Alright. Out of the hole. And do you have an idea about, like, yearly salary, yearly income once you average it out? Do you have a bit of an estimate?\n\nAmazing. That would be fantastic. And that's underground mining, isn't it? Because they're driving it out of the hole. Wow.\n\nAmazing. Are they gonna put you on a bit of a two on, two off type roster, or what's the week on, week off? And while you're there, you're pretty much gonna be driving trucks the the whole time. Alright. That would count as a bit of, like, a full time contract.\n\nCorrect? Closing. Yeah. I heard the same thing about three times today. I'm I'm the same.\n\nThere's hundreds of emails, but then there's also 30 replies in the chain. I just can't find anything at the moment. And just while you're grabbing that up as well, so Thompson Street, Boulder, that's the same address. Your live email is still correct. So no new postal address or anything?\n\nPerfect. And we had you engaged the last time we spoke, I believe, as well. Yep. And two dependent children under the age of 18 around about 13 and 11. Alright.\n\nYep. Now was that 55 or 65? Because it just cut out. $5.05. $1.00 $9.05 5 including super on base.\n\nAnd have they already talked to you about potential to do a lot of OT on the top of that and earn above? Quarterly bonuses, 12.5% minimum. Amazing. That's so cool. Congratulations.\n\nThe Northern Star was never meant to be, and it led the path to your next one. Absolutely. I don't see too much else has changed. Just gonna quickly check your assets and liabilities. We had your home valued at about $280,000 owing 80.\n\nOkay. Fantastic. About 80,000. Cool. So 80 still sounds about on the money?\n\nPerfect. We had a $6,000 motor vehicle and a couple $100 on a Zip account. 25 fully owned. Fantastic. Love a good Hilux.\n\nAnd do you have anything in I know you you're doing a bit of, like, redraw you mentioned. Do you have anything in, like, a emergency fund savings off to the side? Yep. Totally fair. So there's a bit of savings there.\n\nAnd do you have any other assets or loans, any shares, crypto, anything like that? Yep. Oh, no. Okay. Yep.\n\nSo for now, leave the Hilux with you, and that's it. Yep. Easy done. And this one's a little bit new this year, but have you ever gone through, like, a bankruptcy or a part nine debt agreement before? It's like an insolvency question.\n\nNo? Perfect. Awesome. And you don't have a will or power of attorney in place? Yeah.\n\nAbsolutely. You wouldn't believe I've had that conversation maybe four times a day at the moment. And I think one of the the easy little tips I can give you, which may help, is you've got three easy options. So you can talk to a solicitor, of course, and how long is a piece of string for how much you might get charged there. The public trustee of every state also does appointments.\n\nLike, you know, at the courthouse, they can do appointments for wills and power of attorney there as well. And the third one is Australia Post actually has basic government approved will kits and power of attorney kits for about $25 a pop. They're good for, like, getting a basic setup. If you were trying to set up, like, a family trust or something, probably not the best, but it does help kind of get something simple in place and in writing. Of course.\n\nAbsolutely can. And just so I can take down a couple of notes for that future conversation, what are you thinking when it comes to Family Trust? Yep. Yep. That's always the case.\n\nYeah. It definitely helps keep things in writing for beneficiaries who controls the assets, under what provisions that can do it. The only thing that I'm not an expert on is cross country family trust. I know yeah. Absolutely.\n\nDo you have many contacts back in New Zealand in terms of, like, lawyers, accountants, things like that by any chance? Yep. So the only thing I can think of is that when it comes to, like, Australian ones, accountants can help set up the entities. When it comes to set up a trust, set up a company, that's what they kind of specialize in. Lawyers are your best bet when it comes to carefully planning the legal side around who can and can't control assets and how it gets passed down in an estate planning sense as well.\n\nAdvisors, we're kind of the the middle guy. We talk about strategy. You know, there's all these things about income splitting in a family trust and how the government's changing the legislation to try and tax that and all that kind of thing. So we slot in the middle of a bit of a network, but lawyers and accountants are fantastic at that side of things, especially if it's messy family relations. Yep.\n\nNo. It's a story as old as time, and the more and more that the baby boomer generation goes along, their assets are being fought over when they pass away. I have a lot of clients from New Zealand who have land back home, and it's just a constant constant conversation. I wish I could do a little bit more to help there, but, yeah, just seeking some professional guidance and and chatting around between a few different professions might give you some good ideas. Yeah.\n\nAbsolutely. What about your beneficiary for the super? I did notice that it wasn't actually up to date at the moment. Were you wanting originally to try and put your your partner on there, or what was your thinking when it comes to who the super goes? Cool.\n\nSo what I will do is I will send out a beneficiary form. Because it's a legal document, you do have to, like, wet sign it and get a witness. So we've got really cool instruction pages over the front, which will tell you exactly how to do it. Just to kind of briefly explain it now while I've got you, you can choose two things when it comes to a beneficiary. You can choose whether you want it to expire or not so it can lapse after three years or just continue on until you change it.\n\nDo you have a preference there? Perfect. So that's called a non lapsing, and there's, like, a little tick box for it. And the other one is, do you want it to be legally binding or not legally binding, which is a strange question, but it basically means the super fund can have discretion. Yeah.\n\nSo you can make a the most common is nonlapsing binding. So it doesn't expire, and it holds up in court. K? I will note that down, and we can. Would it be helpful if we kind of prefilled some of the forms for you, or are you happy just to kind of read through and and fill in Kane's details?\n\nPerfect. Any questions at all? Just call that 1300, and the team can walk you through it in two minutes flat. Amazing. Outside of that, now we don't have any insurances in place as far as I can see.\n\nYou have just gone to a new role underground mining, which is very difficult to get insurances. I did just wanna ask the question about whether you wanted me to investigate any life disability, income protection, or trauma insurance for you this year. Perfect. Once we catch up again in the future, we'll probably ask you about that. And if we can get any details about what they cover you for just to keep on file, that would be lovely.\n\nI will make a note of it for now just so that the team's aware. Perfect. Now when it comes to the super, nice and easy. If you recall, we put you into a Hub 24 Superfund in their Discover menu. So Hub has three menus.\n\nYou've got Discover to start off, nice and low fees when you've got a lower balance. Then as you get up higher, you can move into their core menu, more investment options, and then their Choice menu, which has apparently the most options in the entire country, which is fantastic. So it's perfect. It'll give you a lot of flexibility for when you've got a let's say you've got a 100,000. You pay an extra flat fee to get access to all the other options, but then it means that we can build pretty much anything for you.\n\nSo it kind of grows as you grow. Does that make sense? Yep. Now when it comes to the current one, now we've put you in a Vanguard high growth fund, which is just index funds, low fees, follows the market, and puts basically 90% of your super into growth assets, shares, property, gold, all that kind of thing, just to try and get you caught up there a little bit quicker. You don't really have a bad balance for your age, but now that you're gonna be earning this much with the new company while you're in high growth, both of them are gonna compound really well over the next sort of ten, twenty years.\n\nNow I'm just gonna quickly it's not too bad. Like, I have seen people that come through the door. 30,000 at 30 is kind of a bit average, and 42 or 33 is not too bad. It's only really a difference of, like, a year or two of strong growth and contributions. It's not that big of a a gap.\n\nWell, it's just shy of 42,000. You're sitting at $41.09 $6.09. Yeah. That's exactly right. I've got the performance that I'll shoot through to you.\n\nI'm gonna actually regenerate a performance figure as of today just so I've got the most up to date for you. And let me have a quick look. Amazing. This is what I like to see. Despite the stock market going down the way it has, you've still cleared just under a 15% return net of fees.\n\nSo you've put in, let's say, around 8,000 ish, and it's had a total growth on top of that of about 5,500 net of fees as well. So that's doing its thing. When it comes to these high growth index funds, basically, we want you to average out at around about 10% or above over a long period of time. So some good years, it'll go up ten, twenty, 30. In the bad years, it may go down ten, twenty, 30.\n\nUsually, what tends to happen is every seven years, stock market goes up a bunch and then crashes, goes up and crashes. And you probably know the drill on the news. There's a financial crisis, COVID, war in Iran, something kind of shocks the world every seven years or so on average, give or take. The main plan for you is contributions go in. It's an index fund, so it follows everything very closely.\n\nAnd anytime it dips, we get to use that as a bit of a buying opportunity. Contributions come in. All the properties and shares and gold go down. We can just buy more of them without selling them. And then when your super funds goes up, you get those high returns on the way back up again.\n\nNow we obviously don't wanna keep you high growth when you're 64 because you probably don't wanna lose half your super a year before you go to live off of it. So at some point, it's like, build it now and then protect it when you're close to retirement. Does that make sense? Yep. So for now, our main plan for you at the moment is keep building up this balance with the low fee menu and hub.\n\nLet your contributions go in. Do you need anything in terms of SGC forms to give to your payroll at the new place? Yep. Perfect. Perfect.\n\nFantastic. Once we get you up to somewhere between 60 and 80,000, we may then look up moving you up to the core menu of Hub where we've got some better portfolios in there. And then once you're over a 100,000, we could probably look at that choice menu as well. So we're just gonna kind of progress you in three stages. Do you wanna look at any kind of salary sacrifice into super?\n\nOr, really, the main question is, what will you be doing with your cash flow at the new job? Are you saving for anything in particular? What's the plan? Long overdue, isn't it? Yeah.\n\nSo what are we thinking holiday wise? We're going back to New Zealand a couple of times? We're going abroad, internally in Australia? Oh, okay. Novated lease and a new car.\n\nNow when you go to Bali or New Zealand, how much will that cost you these days? We're talking 5, 10, 20, 30? Yep. So is it okay if I put down just an estimate of about 15 or so for each trip? Yep.\n\nPerfect. Alright. So outside of that, you have the mortgage to finish off, some trips to go on to, and we do have some notes to try and get you to retire a bit earlier. So you can access your super at 60. The age pension is 67.\n\nAnd are you still of that mind of let's go out as quick as we can so I can retire as early as I can? 100%. Perfect. So that makes our job very straightforward. We just continuously update your portfolio and try and make sure it's on track for what it needs to be returning.\n\nYou do your thing with work and pay off the mortgage. And if there's anything else that you would like to look at along the way, whether it comes to trust discussions, estate planning, or even investing, we can definitely sort of swing into different areas of advice as you might need. Is there anything that you think you might wanna look at over the next five years? Yep. Oh, so you still gotta kind of play through the the end of Yeah.\n\nAbsolutely. That's a good thing to keep an eye on is just keep your your savings high and make sure all of that's settled before you dive into too many other things. Yeah. Yep. We're we're looking for the four bedroom now.\n\nAfter that, I'm just making a few notes that, basically, what the main thing is is just transition into work, finalize liquidation of the business, grow your savings, go on a couple of trips, upgrade your home, retire early, and upgrade your car. Awesome. Anything else that I have missed there? Perfect. Perfect.\n\nPerfect. And if you don't mind me asking, what are you you're baking at the moment? Just we talking cakes, cookies? Oh, well, I shouldn't have asked. I'm on late night tonight.\n\nI've still got a few hours to go, and I'm I'm starving already. No. That's okay. That sounds amazing. Alright.\n\nNow before I kind of finish up, is there any questions on your end so far? Perfect. Perfect. Look. There's always two, and they always tend to kind of play off each other.\n\nI do the same thing for my wife, so it's always good to have. If you don't mind me asking, is your partner a client of ours as well? Or okeydoke. So I just wanna do my due diligence and double check that I've sent you the right agreement before you tick anything. So bear with me for two seconds because we have a the partner's fee discount, and I just wanna make sure that's been applied.\n\nYes. It has. So, normally, we would charge 1.65%. You are down to the partner's discount of 1.1. When you go above 600,000 in your super, which sounds crazy, it does actually cap as a flat fee at that point because we do have clients that get to a million, 2,000,000, and it can be quite excessive.\n\nYou can't charge $40,000 for the same service. We're good, but there has to be a limit. But over the years, because of you being on 6 figures high growth, it wouldn't be surprising for you to be going to a million, million and a half, 2,000,000, that kind of thing. Most people in our generations who are six figures early are going to be hitting some pretty high figures in their super, especially with 12% going in now and especially on a will you be getting paid weekly, fortnightly, or monthly? Fortnightly.\n\nSo the cool thing is they've changed the legislation to make it fortnightly in line with your pay cycle for the super contributions. So that way, you don't have to wait three months for it to go in. It goes in with your pay, and that means it gets invested quicker, invested for longer, and that's gonna really help us as well. Our main problem is gonna be in thirty years' time, the cost of living and inflation. So even if you've got a million million of super, if a 100,000 buys bugger all in twenty years' time compared to what it does now, we do have to compensate for that and get you a little bit of extra growth as well.\n\nIt is, but that's why we we keep an eye and we pivot and we do what we can and we invest because how long would it take anybody to save a million dollars in their bank account? Probably take them a lifetime, and it's pretty hard to do. Alright. When you do go through that email, you will have attachments like a normal email, like PDF attachments with all of your reports and everything. And then the actual blue link is to go in and sign the service agreement itself where you can download a signed copy.\n\nSo I did wanna ask you, Moana, are you still comfortable for us to remain your advisers? Amazing. That pretty much wraps up the review for the time being. Do you want me to put in any kind of quarterly or six monthly contact with you to go through any changes or potential advice, or do you are you happy just to wait for the next annual review and call in as needed? That's perfectly fine.\n\nSo we'll still keep sending through details and changes and making updates. And if you're that way inclined, you can check out the videos we're starting to do on our website about the economy and everything. But if not, please call in if there's been any major changes or anything that you guys need or would like to talk about. Awesome, Anna. Any last questions for me before I let you go?\n\nAwesome. I will talk to you soon. If you have any questions, call back, and have a fantastic week. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Moana.","start":3.6,"end":4.4,"sentiment":"neutral","sentiment_score":0.12468680739402771},{"text":"It's Tommy here, senior adviser from Oakview.","start":4.4,"end":6.48,"sentiment":"neutral","sentiment_score":0.1292909181543759},{"text":"How are you doing?","start":6.48,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.175766933709383},{"text":"I'm doing fantastic.","start":9.04,"end":10.26,"sentiment":"positive","sentiment_score":0.7524495522181193},{"text":"It's a cool, beautiful day on the Gold Coast.","start":10.4,"end":12.48,"sentiment":"positive","sentiment_score":0.7074363562795851}],"sentiment":"positive","sentiment_score":0.4192701455950737,"num_words":25,"start":3.6,"end":12.48},{"sentences":[{"text":"What about your end?","start":12.48,"end":13.54,"sentiment":"neutral","sentiment_score":0.21988478675484657},{"text":"That's what we love to hear.","start":20.295,"end":21.494999,"sentiment":"positive","sentiment_score":0.7261232634385427},{"text":"Easter weather is always perfect this time of year.","start":21.494999,"end":24.395,"sentiment":"positive","sentiment_score":0.6338630451096429},{"text":"I'm just giving you a call to go through your annual review.","start":24.775,"end":27.355,"sentiment":"neutral","sentiment_score":0.2881760112941265},{"text":"Perfect.","start":30.449999,"end":30.77,"sentiment":"positive","sentiment_score":0.4723598659038544}],"sentiment":"positive","sentiment_score":0.4647349417209625,"num_words":32,"start":12.48,"end":30.77},{"sentences":[{"text":"Perfect.","start":30.77,"end":31.27,"sentiment":"positive","sentiment_score":0.4806296229362488},{"text":"I do have just a quick security process to go through with you, and then I'm gonna send out your review pack for today.","start":31.41,"end":37.27,"sentiment":"neutral","sentiment_score":0.23146984788278738},{"text":"Are you okay for the call to be recorded?","start":37.73,"end":39.51,"sentiment":"neutral","sentiment_score":0.05627740133139822},{"text":"Amazing.","start":41.714996,"end":42.214996,"sentiment":"positive","sentiment_score":0.546144962310791},{"text":"And just for the security of your information, I am registered with ASIC as adviser 1273105.","start":42.434998,"end":49.574997,"sentiment":"neutral","sentiment_score":0.1892158668488264}],"sentiment":"neutral","sentiment_score":0.19835296894113222,"num_words":51,"start":30.77,"end":49.574997},{"sentences":[{"text":"Are you okay to confirm your date of birth and address, please?","start":49.635,"end":52.8,"sentiment":"neutral","sentiment_score":0.07446177241702874},{"text":"Perfect.","start":60.96,"end":61.36,"sentiment":"neutral","sentiment_score":0.2892366647720337},{"text":"And I must apologize you did have a client password on file that I was supposed to just use, which is your mother's maiden name.","start":61.36,"end":67.765,"sentiment":"neutral","sentiment_score":-0.04484513103961944},{"text":"Would you like me to leave that on there for future calls?","start":67.765,"end":70.345,"sentiment":"neutral","sentiment_score":-0.010473176216085752},{"text":"Perfect.","start":72.885,"end":73.285,"sentiment":"positive","sentiment_score":0.38077813386917114}],"sentiment":"neutral","sentiment_score":0.006210777981608522,"num_words":51,"start":49.635,"end":73.285},{"sentences":[{"text":"Perfect.","start":73.285,"end":73.685005,"sentiment":"positive","sentiment_score":0.34469538927078247},{"text":"Perfect.","start":73.685005,"end":74.165,"sentiment":"neutral","sentiment_score":0.28090715408325195},{"text":"So I've got your email coming through to your@live.com email.","start":74.165,"end":79.945,"sentiment":"neutral","sentiment_score":0.09287809431552888},{"text":"Are you able to look on to that with me today, or do you want me to just kind of explain what's there?","start":80.18,"end":84.36,"sentiment":"neutral","sentiment_score":0.03987348031090653},{"text":"Hey.","start":90.42,"end":90.659996,"sentiment":"neutral","sentiment_score":-0.004269048571586609}],"sentiment":"neutral","sentiment_score":0.0685334579191274,"num_words":36,"start":73.285,"end":90.659996},{"sentences":[{"text":"No.","start":90.659996,"end":90.9,"sentiment":"neutral","sentiment_score":-0.03493364155292511},{"text":"That's okay.","start":90.9,"end":91.72,"sentiment":"neutral","sentiment_score":0.07556414743885398},{"text":"I'll walk you through everything.","start":92.34,"end":93.72,"sentiment":"neutral","sentiment_score":0.3193539589643478},{"text":"Just make sure you have a little bit of a look before you sign anything and call back with any questions you might have, if that's okay.","start":93.78,"end":99.825005,"sentiment":"neutral","sentiment_score":0.14324119687080383},{"text":"Perfect.","start":101.405,"end":101.805,"sentiment":"neutral","sentiment_score":-0.007847663946449757}],"sentiment":"neutral","sentiment_score":0.15479525276977155,"num_words":36,"start":90.659996,"end":101.805},{"sentences":[{"text":"So what I'm shooting through to you now, just so you know what's there, is, like, a performance summary for your hub twenty four, updated financial services guide with Oakview Financial, just license details, complaints, procedure, what we can and can't give advice on, and our updated services guide.","start":101.805,"end":118.0,"sentiment":"neutral","sentiment_score":0.05515783941563295},{"text":"You don't have any, like, insurances or anything.","start":118.14,"end":120.54,"sentiment":"neutral","sentiment_score":-0.006012124940752983},{"text":"There's no certificates coming along with that.","start":120.54,"end":123.015,"sentiment":"neutral","sentiment_score":0.033508777884500365},{"text":"And there is also a bit of a a service agreement there as well if you're comfortable to remain a client with us after this review.","start":123.255,"end":131.275,"sentiment":"neutral","sentiment_score":0.09920313495856065},{"text":"So I'll pop that through to you now.","start":132.055,"end":134.135,"sentiment":"neutral","sentiment_score":0.14625536277890205}],"sentiment":"neutral","sentiment_score":0.0677400304916866,"num_words":98,"start":101.805,"end":134.135},{"sentences":[{"text":"Please bear in mind, we have just switched into a new system.","start":134.135,"end":137.755,"sentiment":"neutral","sentiment_score":0.05592885582397381},{"text":"We kind of custom built it for Oakview.","start":138.08,"end":140.65999,"sentiment":"neutral","sentiment_score":0.16329332441091537},{"text":"Much better to track everything going on with you, the advice that you need and everything.","start":141.2,"end":145.45999,"sentiment":"neutral","sentiment_score":0.16806807555258274},{"text":"But the emails, like DocuSign style, that may come through to your spam box, or it may come through to your main inbox just for the first one.","start":145.51999,"end":153.345,"sentiment":"neutral","sentiment_score":0.008442796633711882},{"text":"Cool.","start":157.105,"end":157.505,"sentiment":"positive","sentiment_score":0.49185460805892944}],"sentiment":"neutral","sentiment_score":0.08299746135106453,"num_words":65,"start":134.135,"end":157.505},{"sentences":[{"text":"Now definitely don't tell anything just yet.","start":157.505,"end":159.185,"sentiment":"neutral","sentiment_score":0.21257279174668448},{"text":"We'll go through all of your situation first, make sure we are comfortable with everything first, and then we're good to go.","start":159.185,"end":166.085,"sentiment":"positive","sentiment_score":0.3357383595271544},{"text":"Is there anything in particular you would like to get out of this year's review?","start":166.91,"end":169.97,"sentiment":"neutral","sentiment_score":0.08221038629611334},{"text":"Are you talking about the world or more personally?","start":178.59,"end":180.77,"sentiment":"neutral","sentiment_score":-0.10275185190969044},{"text":"Yeah.","start":183.845,"end":184.345,"sentiment":"neutral","sentiment_score":-0.07654733955860138}],"sentiment":"neutral","sentiment_score":0.1686313933244458,"num_words":54,"start":157.505,"end":184.345},{"sentences":[{"text":"Pretty weird.","start":185.685,"end":186.505,"sentiment":"neutral","sentiment_score":-0.11255616322159767},{"text":"And I know Now was that Tintin Secure?","start":186.645,"end":196.04,"sentiment":"neutral","sentiment_score":-0.08257234748452902},{"text":"Oh, wow.","start":197.94,"end":198.74,"sentiment":"neutral","sentiment_score":-0.07099749520421028},{"text":"That shut down.","start":198.74,"end":199.62,"sentiment":"neutral","sentiment_score":-0.12718621641397476},{"text":"So what what have you switched into now?","start":199.62,"end":202.92,"sentiment":"neutral","sentiment_score":-0.04578838939778507}],"sentiment":"neutral","sentiment_score":-0.077197907006611,"num_words":23,"start":185.685,"end":202.92},{"sentences":[{"text":"Oh, no.","start":210.83499,"end":211.415,"sentiment":"neutral","sentiment_score":-0.10560292750597},{"text":"It does.","start":211.875,"end":212.69499,"sentiment":"neutral","sentiment_score":-0.08162738010287285},{"text":"Oh, wow.","start":218.05,"end":218.69,"sentiment":"neutral","sentiment_score":0.054101225920021534},{"text":"Okay.","start":218.69,"end":219.09,"sentiment":"neutral","sentiment_score":0.08333871513605118},{"text":"Evolution is the new job.","start":219.09,"end":220.95,"sentiment":"neutral","sentiment_score":0.10599427744746208}],"sentiment":"neutral","sentiment_score":0.028920994916309912,"num_words":12,"start":210.83499,"end":220.95},{"sentences":[{"text":"What what did you get with them?","start":222.37,"end":224.06999,"sentiment":"neutral","sentiment_score":-0.016824044287204742},{"text":"What did you get with them in terms of role?","start":226.93,"end":229.27,"sentiment":"neutral","sentiment_score":-0.02677565012127161},{"text":"Oh my gosh.","start":237.365,"end":238.085,"sentiment":"neutral","sentiment_score":-0.026078502958019573},{"text":"That is quite a change.","start":238.085,"end":239.045,"sentiment":"neutral","sentiment_score":-0.03793521076440811},{"text":"I think we had you as a office manager back in the day.","start":239.045,"end":242.32501,"sentiment":"neutral","sentiment_score":-0.007817687681661202}],"sentiment":"neutral","sentiment_score":-0.01987016615212748,"num_words":38,"start":222.37,"end":242.32501},{"sentences":[{"text":"So now you're driving explosives in a truck?","start":242.32501,"end":244.74501,"sentiment":"neutral","sentiment_score":-0.002932373245130293},{"text":"Alright.","start":251.17,"end":251.67,"sentiment":"neutral","sentiment_score":0.02757318690419197},{"text":"Out of the hole.","start":252.29001,"end":253.51001,"sentiment":"neutral","sentiment_score":-0.04284369293600321},{"text":"And do you have an idea about, like, yearly salary, yearly income once you average it out?","start":254.77,"end":260.215,"sentiment":"neutral","sentiment_score":0.004927024409613188},{"text":"Do you have a bit of an estimate?","start":260.215,"end":261.595,"sentiment":"neutral","sentiment_score":0.0065451107220724225}],"sentiment":"neutral","sentiment_score":-0.0008194807910752532,"num_words":38,"start":242.32501,"end":261.595},{"sentences":[{"text":"Amazing.","start":265.255,"end":265.655,"sentiment":"positive","sentiment_score":0.6269413828849792},{"text":"That would be fantastic.","start":265.655,"end":266.715,"sentiment":"positive","sentiment_score":0.6401898413896561},{"text":"And that's underground mining, isn't it?","start":267.575,"end":269.43,"sentiment":"neutral","sentiment_score":0.09720174099008243},{"text":"Because they're driving it out of the hole.","start":269.66998,"end":271.44998,"sentiment":"neutral","sentiment_score":0.07145658880472183},{"text":"Wow.","start":273.03,"end":273.53,"sentiment":"neutral","sentiment_score":0.31222274899482727}],"sentiment":"neutral","sentiment_score":0.232739332690835,"num_words":20,"start":265.255,"end":273.53},{"sentences":[{"text":"Amazing.","start":274.22998,"end":274.72998,"sentiment":"positive","sentiment_score":0.3392719030380249},{"text":"Are they gonna put you on a bit of a two on, two off type roster, or what's the week on, week off?","start":283.285,"end":292.165,"sentiment":"neutral","sentiment_score":0.09229763734923757},{"text":"And while you're there, you're pretty much gonna be driving trucks the the whole time.","start":292.165,"end":295.785,"sentiment":"neutral","sentiment_score":0.03138389531522989},{"text":"Alright.","start":299.09003,"end":299.59003,"sentiment":"neutral","sentiment_score":0.07702681422233582},{"text":"That would count as a bit of, like, a full time contract.","start":302.13,"end":304.77002,"sentiment":"neutral","sentiment_score":0.06405157720049222}],"sentiment":"neutral","sentiment_score":0.07266387946975346,"num_words":52,"start":274.22998,"end":304.77002},{"sentences":[{"text":"Correct?","start":304.77002,"end":305.27002,"sentiment":"neutral","sentiment_score":0.03963547945022583},{"text":"Closing.","start":318.705,"end":319.205,"sentiment":"neutral","sentiment_score":-0.22332513332366943},{"text":"Yeah.","start":331.12003,"end":331.52002,"sentiment":"neutral","sentiment_score":-0.07542766630649567},{"text":"I heard the same thing about three times today.","start":331.52002,"end":333.44,"sentiment":"neutral","sentiment_score":-0.08128295590480168},{"text":"I'm I'm the same.","start":333.44,"end":334.08002,"sentiment":"neutral","sentiment_score":-0.0680833701044321}],"sentiment":"neutral","sentiment_score":-0.07893733773380518,"num_words":16,"start":304.77002,"end":334.08002},{"sentences":[{"text":"There's hundreds of emails, but then there's also 30 replies in the chain.","start":334.08002,"end":337.995,"sentiment":"neutral","sentiment_score":-0.09063663276342246},{"text":"I just can't find anything at the moment.","start":337.995,"end":340.015,"sentiment":"neutral","sentiment_score":-0.2429689709097147},{"text":"And just while you're grabbing that up as well, so Thompson Street, Boulder, that's the same address.","start":351.05,"end":356.00998,"sentiment":"neutral","sentiment_score":-0.03479488884263179},{"text":"Your live email is still correct.","start":356.00998,"end":357.78998,"sentiment":"neutral","sentiment_score":-0.009095043720056614},{"text":"So no new postal address or anything?","start":358.00998,"end":360.43,"sentiment":"neutral","sentiment_score":-0.0385997337954385}],"sentiment":"neutral","sentiment_score":-0.07918253926304626,"num_words":51,"start":334.08002,"end":360.43},{"sentences":[{"text":"Perfect.","start":362.705,"end":363.205,"sentiment":"neutral","sentiment_score":0.10128526389598846},{"text":"And we had you engaged the last time we spoke, I believe, as well.","start":367.345,"end":371.60498,"sentiment":"neutral","sentiment_score":0.02722670723284994},{"text":"Yep.","start":373.04,"end":373.54,"sentiment":"neutral","sentiment_score":0.04291927441954613},{"text":"And two dependent children under the age of 18 around about 13 and 11.","start":374.32,"end":380.42,"sentiment":"neutral","sentiment_score":0.025981834956577847},{"text":"Alright.","start":388.495,"end":388.995,"sentiment":"neutral","sentiment_score":0.037788547575473785}],"sentiment":"neutral","sentiment_score":0.02990040892074185,"num_words":31,"start":362.705,"end":388.995},{"sentences":[{"text":"Yep.","start":399.47,"end":399.97,"sentiment":"neutral","sentiment_score":0.06258893013000488},{"text":"Now was that 55 or 65?","start":405.71002,"end":407.71002,"sentiment":"neutral","sentiment_score":0.006185921064267556},{"text":"Because it just cut out.","start":407.71002,"end":408.885,"sentiment":"neutral","sentiment_score":-0.002016749605536461},{"text":"$5.05.","start":410.80502,"end":411.385,"sentiment":"neutral","sentiment_score":0.008500197902321815},{"text":"$1.00 $9.05 5 including super on base.","start":412.405,"end":416.505,"sentiment":"neutral","sentiment_score":0.039276045347963064}],"sentiment":"neutral","sentiment_score":0.018652661191299557,"num_words":20,"start":399.47,"end":416.505},{"sentences":[{"text":"And have they already talked to you about potential to do a lot of OT on the top of that and earn above?","start":416.725,"end":423.30502,"sentiment":"neutral","sentiment_score":0.02430303070856177},{"text":"Quarterly bonuses, 12.5% minimum.","start":440.925,"end":444.145,"sentiment":"neutral","sentiment_score":0.07067466899752617},{"text":"Amazing.","start":446.04498,"end":446.54498,"sentiment":"positive","sentiment_score":0.6760326623916626},{"text":"That's so cool.","start":447.16498,"end":448.04498,"sentiment":"positive","sentiment_score":0.7689736088116964},{"text":"Congratulations.","start":448.04498,"end":448.54498,"sentiment":"positive","sentiment_score":0.7258294820785522}],"sentiment":"neutral","sentiment_score":0.1422016047872603,"num_words":32,"start":416.725,"end":448.54498},{"sentences":[{"text":"The Northern Star was never meant to be, and it led the path to your next one.","start":450.66,"end":455.56,"sentiment":"neutral","sentiment_score":0.3166200439719593},{"text":"Absolutely.","start":458.97998,"end":459.47998,"sentiment":"neutral","sentiment_score":0.07206864655017853},{"text":"I don't see too much else has changed.","start":460.81998,"end":462.97998,"sentiment":"neutral","sentiment_score":-0.06023199739865959},{"text":"Just gonna quickly check your assets and liabilities.","start":462.97998,"end":467.105,"sentiment":"neutral","sentiment_score":-0.016196708660572767},{"text":"We had your home valued at about $280,000 owing 80.","start":467.725,"end":472.385,"sentiment":"neutral","sentiment_score":-0.02138706874102354}],"sentiment":"neutral","sentiment_score":0.10521156950430437,"num_words":44,"start":450.66,"end":472.385},{"sentences":[{"text":"Okay.","start":485.9,"end":486.38,"sentiment":"neutral","sentiment_score":0.09760494530200958},{"text":"Fantastic.","start":486.38,"end":486.88,"sentiment":"neutral","sentiment_score":0.2017028033733368},{"text":"About 80,000.","start":512.33,"end":513.55,"sentiment":"neutral","sentiment_score":-0.005297469673678279},{"text":"Cool.","start":523.385,"end":523.54504,"sentiment":"neutral","sentiment_score":0.028623506426811215},{"text":"So 80 still sounds about on the money?","start":523.54504,"end":526.365,"sentiment":"neutral","sentiment_score":0.007079379050992429}],"sentiment":"neutral","sentiment_score":0.028767026781749267,"num_words":13,"start":485.9,"end":526.365},{"sentences":[{"text":"Perfect.","start":528.08997,"end":528.58997,"sentiment":"neutral","sentiment_score":0.12539610266685486},{"text":"We had a $6,000 motor vehicle and a couple $100 on a Zip account.","start":529.29,"end":533.79,"sentiment":"neutral","sentiment_score":0.048874904800738604},{"text":"25 fully owned.","start":549.785,"end":551.225,"sentiment":"neutral","sentiment_score":0.0598719467719396},{"text":"Fantastic.","start":551.225,"end":551.725,"sentiment":"positive","sentiment_score":0.5127266645431519},{"text":"Love a good Hilux.","start":551.945,"end":552.925,"sentiment":"positive","sentiment_score":0.48294130712747574}],"sentiment":"neutral","sentiment_score":0.14929358709765517,"num_words":23,"start":528.08997,"end":552.925},{"sentences":[{"text":"And do you have anything in I know you you're doing a bit of, like, redraw you mentioned.","start":554.29,"end":558.69,"sentiment":"neutral","sentiment_score":-0.0015575229190289974},{"text":"Do you have anything in, like, a emergency fund savings off to the side?","start":558.69,"end":562.31,"sentiment":"neutral","sentiment_score":-0.022038464035306658},{"text":"Yep.","start":568.785,"end":569.185,"sentiment":"neutral","sentiment_score":-0.0008283344795927405},{"text":"Totally fair.","start":569.185,"end":570.14496,"sentiment":"neutral","sentiment_score":0.06398953124880791},{"text":"So there's a bit of savings there.","start":570.14496,"end":571.745,"sentiment":"neutral","sentiment_score":-0.027618983494383947}],"sentiment":"neutral","sentiment_score":-0.009589430130463802,"num_words":42,"start":554.29,"end":571.745},{"sentences":[{"text":"And do you have any other assets or loans, any shares, crypto, anything like that?","start":571.745,"end":576.64496,"sentiment":"neutral","sentiment_score":0.01733278123040994},{"text":"Yep.","start":586.72003,"end":587.12,"sentiment":"neutral","sentiment_score":0.002700431272387505},{"text":"Oh, no.","start":587.12,"end":587.86,"sentiment":"neutral","sentiment_score":-0.08539806306362152},{"text":"Okay.","start":614.365,"end":614.845,"sentiment":"neutral","sentiment_score":0.014681924134492874},{"text":"Yep.","start":614.845,"end":615.345,"sentiment":"neutral","sentiment_score":0.05307569354772568}],"sentiment":"neutral","sentiment_score":0.007982682064175605,"num_words":20,"start":571.745,"end":615.345},{"sentences":[{"text":"So for now, leave the Hilux with you, and that's it.","start":616.045,"end":619.825,"sentiment":"neutral","sentiment_score":0.08220599523999474},{"text":"Yep.","start":622.685,"end":623.185,"sentiment":"neutral","sentiment_score":0.22674322128295896},{"text":"Easy done.","start":623.565,"end":624.385,"sentiment":"positive","sentiment_score":0.40377894043922424},{"text":"And this one's a little bit new this year, but have you ever gone through, like, a bankruptcy or a part nine debt agreement before?","start":625.165,"end":631.87994,"sentiment":"neutral","sentiment_score":-0.011395613476634026},{"text":"It's like an insolvency question.","start":631.87994,"end":633.48,"sentiment":"neutral","sentiment_score":-0.1410338893532753}],"sentiment":"neutral","sentiment_score":0.021556983320889147,"num_words":44,"start":616.045,"end":633.48},{"sentences":[{"text":"No?","start":633.48,"end":633.95996,"sentiment":"neutral","sentiment_score":-0.0475667417049408},{"text":"Perfect.","start":633.95996,"end":634.45996,"sentiment":"positive","sentiment_score":0.4407392144203186},{"text":"Awesome.","start":635.63995,"end":636.13995,"sentiment":"positive","sentiment_score":0.3992709517478943},{"text":"And you don't have a will or power of attorney in place?","start":636.19995,"end":638.93994,"sentiment":"neutral","sentiment_score":0.008951740339398386},{"text":"Yeah.","start":642.295,"end":642.77496,"sentiment":"neutral","sentiment_score":0.08912280201911926}],"sentiment":"neutral","sentiment_score":0.06181169440969825,"num_words":16,"start":633.48,"end":642.77496},{"sentences":[{"text":"Absolutely.","start":642.77496,"end":643.27496,"sentiment":"neutral","sentiment_score":0.20763123035430908},{"text":"You wouldn't believe I've had that conversation maybe four times a day at the moment.","start":644.535,"end":648.15497,"sentiment":"neutral","sentiment_score":0.013204658466080824},{"text":"And I think one of the the easy little tips I can give you, which may help, is you've got three easy options.","start":648.45496,"end":655.435,"sentiment":"neutral","sentiment_score":0.2430494408244672},{"text":"So you can talk to a solicitor, of course, and how long is a piece of string for how much you might get charged there.","start":655.92,"end":661.7,"sentiment":"neutral","sentiment_score":0.13439289033412932},{"text":"The public trustee of every state also does appointments.","start":663.04,"end":666.72,"sentiment":"neutral","sentiment_score":0.1445242158240742}],"sentiment":"neutral","sentiment_score":0.14597778694627628,"num_words":73,"start":642.77496,"end":666.72},{"sentences":[{"text":"Like, you know, at the courthouse, they can do appointments for wills and power of attorney there as well.","start":666.72,"end":670.785,"sentiment":"neutral","sentiment_score":0.14447139438829923},{"text":"And the third one is Australia Post actually has basic government approved will kits and power of attorney kits for about $25 a pop.","start":673.985,"end":683.1,"sentiment":"neutral","sentiment_score":0.12936276538918415},{"text":"They're good for, like, getting a basic setup.","start":685.66,"end":687.6,"sentiment":"neutral","sentiment_score":0.31118306517601013},{"text":"If you were trying to set up, like, a family trust or something, probably not the best, but it does help kind of get something simple in place and in writing.","start":687.74,"end":696.24,"sentiment":"neutral","sentiment_score":0.18090109070462565},{"text":"Of course.","start":708.005,"end":708.745,"sentiment":"neutral","sentiment_score":0.1708383411169052}],"sentiment":"neutral","sentiment_score":0.17010402235956418,"num_words":84,"start":666.72,"end":708.745},{"sentences":[{"text":"Absolutely can.","start":709.48004,"end":710.52,"sentiment":"neutral","sentiment_score":0.17679417692124844},{"text":"And just so I can take down a couple of notes for that future conversation, what are you thinking when it comes to Family Trust?","start":710.52,"end":716.78,"sentiment":"neutral","sentiment_score":0.09498609885573388},{"text":"Yep.","start":728.77496,"end":729.27496,"sentiment":"neutral","sentiment_score":0.0313321053981781},{"text":"Yep.","start":740.02,"end":740.52,"sentiment":"neutral","sentiment_score":-0.04604202508926392},{"text":"That's always the case.","start":741.46,"end":743.0,"sentiment":"neutral","sentiment_score":0.030552182346582413}],"sentiment":"neutral","sentiment_score":0.08593150408882083,"num_words":33,"start":709.48004,"end":743.0},{"sentences":[{"text":"Yeah.","start":755.31494,"end":755.81494,"sentiment":"neutral","sentiment_score":0.21044905483722687},{"text":"It definitely helps keep things in writing for beneficiaries who controls the assets, under what provisions that can do it.","start":757.95496,"end":766.65,"sentiment":"positive","sentiment_score":0.3487585008144379},{"text":"The only thing that I'm not an expert on is cross country family trust.","start":766.65,"end":770.83,"sentiment":"neutral","sentiment_score":-0.0025369911454617977},{"text":"I know yeah.","start":772.01,"end":780.265,"sentiment":"neutral","sentiment_score":0.035594423611958824},{"text":"Absolutely.","start":780.265,"end":780.765,"sentiment":"neutral","sentiment_score":0.16625438630580902}],"sentiment":"neutral","sentiment_score":0.19033689364695397,"num_words":39,"start":755.31494,"end":780.765},{"sentences":[{"text":"Do you have many contacts back in New Zealand in terms of, like, lawyers, accountants, things like that by any chance?","start":781.22504,"end":789.005,"sentiment":"neutral","sentiment_score":0.08671952393792924},{"text":"Yep.","start":796.94,"end":797.33997,"sentiment":"neutral","sentiment_score":0.05831170082092285},{"text":"So the only thing I can think of is that when it comes to, like, Australian ones, accountants can help set up the entities.","start":797.33997,"end":804.53503,"sentiment":"neutral","sentiment_score":0.08665604361643393},{"text":"When it comes to set up a trust, set up a company, that's what they kind of specialize in.","start":804.59503,"end":809.09503,"sentiment":"neutral","sentiment_score":0.06066394695325902},{"text":"Lawyers are your best bet when it comes to carefully planning the legal side around who can and can't control assets and how it gets passed down in an estate planning sense as well.","start":809.715,"end":820.85004,"sentiment":"neutral","sentiment_score":0.035754549549892545}],"sentiment":"neutral","sentiment_score":0.06391349926383959,"num_words":99,"start":781.22504,"end":820.85004},{"sentences":[{"text":"Advisors, we're kind of the the middle guy.","start":821.71,"end":824.21,"sentiment":"neutral","sentiment_score":0.053051115013659},{"text":"We talk about strategy.","start":824.35004,"end":825.65,"sentiment":"neutral","sentiment_score":0.10700176283717155},{"text":"You know, there's all these things about income splitting in a family trust and how the government's changing the legislation to try and tax that and all that kind of thing.","start":826.35004,"end":834.90497,"sentiment":"neutral","sentiment_score":0.1049313725483033},{"text":"So we slot in the middle of a bit of a network, but lawyers and accountants are fantastic at that side of things, especially if it's messy family relations.","start":834.90497,"end":843.245,"sentiment":"neutral","sentiment_score":0.2998523501486614},{"text":"Yep.","start":849.63995,"end":850.13995,"sentiment":"neutral","sentiment_score":-0.06088288873434067}],"sentiment":"neutral","sentiment_score":0.1745222436442767,"num_words":73,"start":821.71,"end":850.13995},{"sentences":[{"text":"No.","start":850.19995,"end":850.51996,"sentiment":"neutral","sentiment_score":-0.28115570545196533},{"text":"It's a story as old as time, and the more and more that the baby boomer generation goes along, their assets are being fought over when they pass away.","start":850.51996,"end":859.445,"sentiment":"neutral","sentiment_score":-0.3183133555897351},{"text":"I have a lot of clients from New Zealand who have land back home, and it's just a constant constant conversation.","start":859.585,"end":865.84503,"sentiment":"neutral","sentiment_score":0.03979991465097382},{"text":"I wish I could do a little bit more to help there, but, yeah, just seeking some professional guidance and and chatting around between a few different professions might give you some good ideas.","start":866.545,"end":875.87,"sentiment":"neutral","sentiment_score":0.15074327171725385},{"text":"Yeah.","start":881.69,"end":882.17,"sentiment":"neutral","sentiment_score":0.08923237025737762}],"sentiment":"neutral","sentiment_score":-0.0402551302469747,"num_words":86,"start":850.19995,"end":882.17},{"sentences":[{"text":"Absolutely.","start":882.17,"end":882.67,"sentiment":"neutral","sentiment_score":0.14288389682769775},{"text":"What about your beneficiary for the super?","start":883.715,"end":886.59503,"sentiment":"neutral","sentiment_score":0.0700443440249988},{"text":"I did notice that it wasn't actually up to date at the moment.","start":886.59503,"end":889.895,"sentiment":"neutral","sentiment_score":-0.02151981884470353},{"text":"Were you wanting originally to try and put your your partner on there, or what was your thinking when it comes to who the super goes?","start":890.59503,"end":896.775,"sentiment":"neutral","sentiment_score":0.0022358628563009775},{"text":"Cool.","start":898.55,"end":898.70996,"sentiment":"positive","sentiment_score":0.35300397872924805}],"sentiment":"neutral","sentiment_score":0.01592860568780452,"num_words":48,"start":882.17,"end":898.70996},{"sentences":[{"text":"So what I will do is I will send out a beneficiary form.","start":898.70996,"end":902.70996,"sentiment":"neutral","sentiment_score":0.21331896231724665},{"text":"Because it's a legal document, you do have to, like, wet sign it and get a witness.","start":902.70996,"end":907.52997,"sentiment":"neutral","sentiment_score":0.12485020826844608},{"text":"So we've got really cool instruction pages over the front, which will tell you exactly how to do it.","start":909.125,"end":914.665,"sentiment":"positive","sentiment_score":0.38791354235849884},{"text":"Just to kind of briefly explain it now while I've got you, you can choose two things when it comes to a beneficiary.","start":915.285,"end":921.625,"sentiment":"neutral","sentiment_score":0.17651011568048727},{"text":"You can choose whether you want it to expire or not so it can lapse after three years or just continue on until you change it.","start":922.23,"end":929.75,"sentiment":"neutral","sentiment_score":0.09743167646229267}],"sentiment":"neutral","sentiment_score":0.1924378939201029,"num_words":98,"start":898.70996,"end":929.75},{"sentences":[{"text":"Do you have a preference there?","start":929.75,"end":931.13,"sentiment":"neutral","sentiment_score":0.09949274982015292},{"text":"Perfect.","start":934.245,"end":934.485,"sentiment":"positive","sentiment_score":0.4852558672428131},{"text":"So that's called a non lapsing, and there's, like, a little tick box for it.","start":934.485,"end":938.005,"sentiment":"neutral","sentiment_score":0.17002252538998922},{"text":"And the other one is, do you want it to be legally binding or not legally binding, which is a strange question, but it basically means the super fund can have discretion.","start":938.005,"end":947.78503,"sentiment":"neutral","sentiment_score":0.014365687151439488},{"text":"Yeah.","start":948.56,"end":948.88,"sentiment":"neutral","sentiment_score":0.006473312620073557}],"sentiment":"neutral","sentiment_score":0.07452228269963102,"num_words":55,"start":929.75,"end":948.88},{"sentences":[{"text":"So you can make a the most common is nonlapsing binding.","start":948.88,"end":952.82,"sentiment":"neutral","sentiment_score":0.08597278933633458},{"text":"So it doesn't expire, and it holds up in court.","start":952.88,"end":955.54,"sentiment":"neutral","sentiment_score":0.11512866839766503},{"text":"K?","start":957.6,"end":958.1,"sentiment":"neutral","sentiment_score":0.01965165138244629},{"text":"I will note that down, and we can.","start":958.8,"end":962.945,"sentiment":"neutral","sentiment_score":0.07179147144779563},{"text":"Would it be helpful if we kind of prefilled some of the forms for you, or are you happy just to kind of read through and and fill in Kane's details?","start":963.245,"end":971.025,"sentiment":"neutral","sentiment_score":0.08391548350693719}],"sentiment":"neutral","sentiment_score":0.08675984882551138,"num_words":61,"start":948.88,"end":971.025},{"sentences":[{"text":"Perfect.","start":977.58,"end":978.06,"sentiment":"positive","sentiment_score":0.5729376077651978},{"text":"Any questions at all?","start":978.06,"end":979.02,"sentiment":"neutral","sentiment_score":0.3201860077679157},{"text":"Just call that 1300, and the team can walk you through it in two minutes flat.","start":979.02,"end":983.2,"sentiment":"positive","sentiment_score":0.3583661876618862},{"text":"Amazing.","start":985.18,"end":985.68,"sentiment":"positive","sentiment_score":0.5293331742286682},{"text":"Outside of that, now we don't have any insurances in place as far as I can see.","start":986.925,"end":992.865,"sentiment":"neutral","sentiment_score":0.04947205479530727}],"sentiment":"neutral","sentiment_score":0.22968971146604952,"num_words":39,"start":977.58,"end":992.865},{"sentences":[{"text":"You have just gone to a new role underground mining, which is very difficult to get insurances.","start":992.925,"end":998.865,"sentiment":"neutral","sentiment_score":-0.08717066137229695},{"text":"I did just wanna ask the question about whether you wanted me to investigate any life disability, income protection, or trauma insurance for you this year.","start":999.37,"end":1008.59,"sentiment":"neutral","sentiment_score":0.006015500913445766},{"text":"Perfect.","start":1013.065,"end":1013.565,"sentiment":"positive","sentiment_score":0.506451427936554},{"text":"Once we catch up again in the future, we'll probably ask you about that.","start":1014.185,"end":1018.26495,"sentiment":"neutral","sentiment_score":0.27794922036784037},{"text":"And if we can get any details about what they cover you for just to keep on file, that would be lovely.","start":1018.26495,"end":1023.08496,"sentiment":"neutral","sentiment_score":0.3115031495690346}],"sentiment":"neutral","sentiment_score":0.12406639480032026,"num_words":80,"start":992.925,"end":1023.08496},{"sentences":[{"text":"I will make a note of it for now just so that the team's aware.","start":1023.70496,"end":1026.845,"sentiment":"neutral","sentiment_score":0.17066750625769297},{"text":"Perfect.","start":1028.93,"end":1029.43,"sentiment":"positive","sentiment_score":0.5012631416320801},{"text":"Now when it comes to the super, nice and easy.","start":1029.4901,"end":1032.0701,"sentiment":"neutral","sentiment_score":0.32783462256193163},{"text":"If you recall, we put you into a Hub 24 Superfund in their Discover menu.","start":1032.29,"end":1038.15,"sentiment":"neutral","sentiment_score":0.20455759664376577},{"text":"So Hub has three menus.","start":1038.29,"end":1040.145,"sentiment":"neutral","sentiment_score":0.16853660643100737}],"sentiment":"neutral","sentiment_score":0.22284062919409378,"num_words":46,"start":1023.70496,"end":1040.145},{"sentences":[{"text":"You've got Discover to start off, nice and low fees when you've got a lower balance.","start":1040.145,"end":1043.8451,"sentiment":"neutral","sentiment_score":0.29886138532310724},{"text":"Then as you get up higher, you can move into their core menu, more investment options, and then their Choice menu, which has apparently the most options in the entire country, which is fantastic.","start":1044.305,"end":1054.245,"sentiment":"positive","sentiment_score":0.3518743098658674},{"text":"So it's perfect.","start":1055.5499,"end":1058.13,"sentiment":"positive","sentiment_score":0.6879884600639343},{"text":"It'll give you a lot of flexibility for when you've got a let's say you've got a 100,000.","start":1058.4299,"end":1063.49,"sentiment":"positive","sentiment_score":0.35203516193562084},{"text":"You pay an extra flat fee to get access to all the other options, but then it means that we can build pretty much anything for you.","start":1064.0299,"end":1070.865,"sentiment":"neutral","sentiment_score":0.22234101069194298}],"sentiment":"neutral","sentiment_score":0.31785014575841475,"num_words":98,"start":1040.145,"end":1070.865},{"sentences":[{"text":"So it kind of grows as you grow.","start":1070.865,"end":1072.625,"sentiment":"neutral","sentiment_score":0.2922965604811907},{"text":"Does that make sense?","start":1072.625,"end":1073.8451,"sentiment":"neutral","sentiment_score":0.16710272058844566},{"text":"Yep.","start":1075.025,"end":1075.525,"sentiment":"positive","sentiment_score":0.3936090469360352},{"text":"Now when it comes to the current one, now we've put you in a Vanguard high growth fund, which is just index funds, low fees, follows the market, and puts basically 90% of your super into growth assets, shares, property, gold, all that kind of thing, just to try and get you caught up there a little bit quicker.","start":1076.145,"end":1096.515,"sentiment":"neutral","sentiment_score":0.24606615481740338},{"text":"You don't really have a bad balance for your age, but now that you're gonna be earning this much with the new company while you're in high growth, both of them are gonna compound really well over the next sort of ten, twenty years.","start":1096.895,"end":1109.395,"sentiment":"positive","sentiment_score":0.46382044797593897}],"sentiment":"neutral","sentiment_score":0.33039995912334014,"num_words":116,"start":1070.865,"end":1109.395},{"sentences":[{"text":"Now I'm just gonna quickly it's not too bad.","start":1111.65,"end":1117.57,"sentiment":"neutral","sentiment_score":0.31627891295486027},{"text":"Like, I have seen people that come through the door.","start":1117.57,"end":1120.53,"sentiment":"positive","sentiment_score":0.36524331867694854},{"text":"30,000 at 30 is kind of a bit average, and 42 or 33 is not too bad.","start":1120.53,"end":1127.215,"sentiment":"neutral","sentiment_score":0.2519954968901241},{"text":"It's only really a difference of, like, a year or two of strong growth and contributions.","start":1127.275,"end":1131.135,"sentiment":"positive","sentiment_score":0.34534262865781784},{"text":"It's not that big of a a gap.","start":1131.355,"end":1133.215,"sentiment":"neutral","sentiment_score":-0.04081223672255874}],"sentiment":"neutral","sentiment_score":0.26636418358733255,"num_words":60,"start":1111.65,"end":1133.215},{"sentences":[{"text":"Well, it's just shy of 42,000.","start":1136.25,"end":1138.81,"sentiment":"neutral","sentiment_score":0.031215154255429905},{"text":"You're sitting at $41.09 $6.09.","start":1138.81,"end":1141.47,"sentiment":"neutral","sentiment_score":0.0512720163911581},{"text":"Yeah.","start":1146.09,"end":1146.41,"sentiment":"neutral","sentiment_score":0.23407679796218872},{"text":"That's exactly right.","start":1146.41,"end":1147.37,"sentiment":"positive","sentiment_score":0.5268334348996481},{"text":"I've got the performance that I'll shoot through to you.","start":1147.37,"end":1150.0449,"sentiment":"positive","sentiment_score":0.46268602907657624}],"sentiment":"neutral","sentiment_score":0.2754035360366106,"num_words":25,"start":1136.25,"end":1150.0449},{"sentences":[{"text":"I'm gonna actually regenerate a performance figure as of today just so I've got the most up to date for you.","start":1150.0449,"end":1156.385,"sentiment":"positive","sentiment_score":0.3743730116458166},{"text":"And let me have a quick look.","start":1156.765,"end":1158.705,"sentiment":"neutral","sentiment_score":0.20998688893658773},{"text":"Amazing.","start":1159.325,"end":1159.825,"sentiment":"positive","sentiment_score":0.7011878490447998},{"text":"This is what I like to see.","start":1160.72,"end":1162.18,"sentiment":"positive","sentiment_score":0.6028447066034589},{"text":"Despite the stock market going down the way it has, you've still cleared just under a 15% return net of fees.","start":1162.56,"end":1170.26,"sentiment":"positive","sentiment_score":0.346322817639226}],"sentiment":"positive","sentiment_score":0.37764248127738637,"num_words":57,"start":1150.0449,"end":1170.26},{"sentences":[{"text":"So you've put in, let's say, around 8,000 ish, and it's had a total growth on top of that of about 5,500 net of fees as well.","start":1170.56,"end":1184.8251,"sentiment":"neutral","sentiment_score":0.3031705170869827},{"text":"So that's doing its thing.","start":1186.9801,"end":1188.42,"sentiment":"positive","sentiment_score":0.37728446125984194},{"text":"When it comes to these high growth index funds, basically, we want you to average out at around about 10% or above over a long period of time.","start":1188.42,"end":1198.185,"sentiment":"neutral","sentiment_score":0.18710187370223658},{"text":"So some good years, it'll go up ten, twenty, 30.","start":1198.425,"end":1201.2451,"sentiment":"neutral","sentiment_score":0.08804178610444069},{"text":"In the bad years, it may go down ten, twenty, 30.","start":1201.4651,"end":1204.285,"sentiment":"neutral","sentiment_score":-0.10593777827241203}],"sentiment":"neutral","sentiment_score":0.18550593865874374,"num_words":81,"start":1170.56,"end":1204.285},{"sentences":[{"text":"Usually, what tends to happen is every seven years, stock market goes up a bunch and then crashes, goes up and crashes.","start":1204.5851,"end":1211.405,"sentiment":"neutral","sentiment_score":-0.12717238085513766},{"text":"And you probably know the drill on the news.","start":1211.86,"end":1213.86,"sentiment":"neutral","sentiment_score":-0.07862601925929387},{"text":"There's a financial crisis, COVID, war in Iran, something kind of shocks the world every seven years or so on average, give or take.","start":1213.86,"end":1222.84,"sentiment":"neutral","sentiment_score":-0.16575539469098052},{"text":"The main plan for you is contributions go in.","start":1223.955,"end":1226.515,"sentiment":"neutral","sentiment_score":0.14769959698120752},{"text":"It's an index fund, so it follows everything very closely.","start":1226.515,"end":1229.335,"sentiment":"neutral","sentiment_score":0.14426692500710486}],"sentiment":"neutral","sentiment_score":-0.06367014056524715,"num_words":74,"start":1204.5851,"end":1229.335},{"sentences":[{"text":"And anytime it dips, we get to use that as a bit of a buying opportunity.","start":1229.715,"end":1234.0549,"sentiment":"neutral","sentiment_score":0.16516419732943177},{"text":"Contributions come in.","start":1234.355,"end":1235.7949,"sentiment":"neutral","sentiment_score":0.1699751317501068},{"text":"All the properties and shares and gold go down.","start":1235.7949,"end":1237.7949,"sentiment":"neutral","sentiment_score":0.17562949823008644},{"text":"We can just buy more of them without selling them.","start":1237.7949,"end":1240.51,"sentiment":"neutral","sentiment_score":0.18259181529283525},{"text":"And then when your super funds goes up, you get those high returns on the way back up again.","start":1240.51,"end":1245.41,"sentiment":"neutral","sentiment_score":0.29222739762381506}],"sentiment":"neutral","sentiment_score":0.21248169726969904,"num_words":57,"start":1229.715,"end":1245.41},{"sentences":[{"text":"Now we obviously don't wanna keep you high growth when you're 64 because you probably don't wanna lose half your super a year before you go to live off of it.","start":1247.79,"end":1255.7849,"sentiment":"neutral","sentiment_score":-0.07720462761579021},{"text":"So at some point, it's like, build it now and then protect it when you're close to retirement.","start":1255.7849,"end":1260.1849,"sentiment":"neutral","sentiment_score":0.02710489307840665},{"text":"Does that make sense?","start":1260.1849,"end":1261.1649,"sentiment":"neutral","sentiment_score":0.07442123908549547},{"text":"Yep.","start":1262.985,"end":1263.465,"sentiment":"neutral","sentiment_score":0.1917094588279724},{"text":"So for now, our main plan for you at the moment is keep building up this balance with the low fee menu and hub.","start":1263.465,"end":1270.97,"sentiment":"neutral","sentiment_score":0.24887893597284952}],"sentiment":"neutral","sentiment_score":0.05842350638256623,"num_words":78,"start":1247.79,"end":1270.97},{"sentences":[{"text":"Let your contributions go in.","start":1271.1901,"end":1272.97,"sentiment":"neutral","sentiment_score":0.15128475278615952},{"text":"Do you need anything in terms of SGC forms to give to your payroll at the new place?","start":1273.83,"end":1279.77,"sentiment":"neutral","sentiment_score":0.05380590880910555},{"text":"Yep.","start":1284.9751,"end":1285.4751,"sentiment":"neutral","sentiment_score":0.0667056292295456},{"text":"Perfect.","start":1286.7351,"end":1287.2151,"sentiment":"positive","sentiment_score":0.6456848382949829},{"text":"Perfect.","start":1287.2151,"end":1287.7151,"sentiment":"positive","sentiment_score":0.7073020935058594}],"sentiment":"neutral","sentiment_score":0.12094702628942636,"num_words":26,"start":1271.1901,"end":1287.7151},{"sentences":[{"text":"Fantastic.","start":1287.775,"end":1288.275,"sentiment":"neutral","sentiment_score":0.048337310552597046},{"text":"Once we get you up to somewhere between 60 and 80,000, we may then look up moving you up to the core menu of Hub where we've got some better portfolios in there.","start":1289.375,"end":1301.1699,"sentiment":"neutral","sentiment_score":0.18353910586147598},{"text":"And then once you're over a 100,000, we could probably look at that choice menu as well.","start":1301.1699,"end":1305.73,"sentiment":"neutral","sentiment_score":0.24597641825675964},{"text":"So we're just gonna kind of progress you in three stages.","start":1305.73,"end":1308.39,"sentiment":"neutral","sentiment_score":0.2518039779229598},{"text":"Do you wanna look at any kind of salary sacrifice into super?","start":1311.085,"end":1316.305,"sentiment":"neutral","sentiment_score":0.030043653522928555}],"sentiment":"neutral","sentiment_score":0.18131208802397186,"num_words":74,"start":1287.775,"end":1316.305},{"sentences":[{"text":"Or, really, the main question is, what will you be doing with your cash flow at the new job?","start":1316.365,"end":1321.005,"sentiment":"neutral","sentiment_score":0.05266259434191804},{"text":"Are you saving for anything in particular?","start":1321.005,"end":1322.9451,"sentiment":"neutral","sentiment_score":0.0464146552341325},{"text":"What's the plan?","start":1323.245,"end":1324.225,"sentiment":"neutral","sentiment_score":0.04982068638006846},{"text":"Long overdue, isn't it?","start":1335.01,"end":1336.515,"sentiment":"neutral","sentiment_score":-0.20133880153298378},{"text":"Yeah.","start":1341.235,"end":1341.635,"sentiment":"neutral","sentiment_score":-0.05605725944042206}],"sentiment":"neutral","sentiment_score":0.0180453374324476,"num_words":34,"start":1316.365,"end":1341.635},{"sentences":[{"text":"So what are we thinking holiday wise?","start":1341.635,"end":1343.395,"sentiment":"neutral","sentiment_score":0.026048000369753157},{"text":"We're going back to New Zealand a couple of times?","start":1343.395,"end":1345.235,"sentiment":"neutral","sentiment_score":0.06099872849881649},{"text":"We're going abroad, internally in Australia?","start":1345.235,"end":1347.895,"sentiment":"neutral","sentiment_score":0.03255484191079935},{"text":"Oh, okay.","start":1362.4651,"end":1367.125,"sentiment":"neutral","sentiment_score":0.12670613452792168},{"text":"Novated lease and a new car.","start":1367.505,"end":1370.0851,"sentiment":"neutral","sentiment_score":0.15642339239517847}],"sentiment":"neutral","sentiment_score":0.07030983749897249,"num_words":31,"start":1341.635,"end":1370.0851},{"sentences":[{"text":"Now when you go to Bali or New Zealand, how much will that cost you these days?","start":1370.145,"end":1374.0851,"sentiment":"neutral","sentiment_score":0.043358085348325616},{"text":"We're talking 5, 10, 20, 30?","start":1376.9299,"end":1379.19,"sentiment":"neutral","sentiment_score":0.0010057315230369568},{"text":"Yep.","start":1395.585,"end":1396.085,"sentiment":"neutral","sentiment_score":0.10532110929489136},{"text":"So is it okay if I put down just an estimate of about 15 or so for each trip?","start":1396.5449,"end":1400.8049,"sentiment":"neutral","sentiment_score":0.06259497313907272},{"text":"Yep.","start":1405.1699,"end":1405.57,"sentiment":"neutral","sentiment_score":0.2651328146457672}],"sentiment":"neutral","sentiment_score":0.05233818758279085,"num_words":44,"start":1370.145,"end":1405.57},{"sentences":[{"text":"Perfect.","start":1405.57,"end":1406.07,"sentiment":"positive","sentiment_score":0.527424156665802},{"text":"Alright.","start":1406.85,"end":1407.33,"sentiment":"neutral","sentiment_score":0.2535727024078369},{"text":"So outside of that, you have the mortgage to finish off, some trips to go on to, and we do have some notes to try and get you to retire a bit earlier.","start":1407.33,"end":1419.125,"sentiment":"neutral","sentiment_score":0.16743863757812616},{"text":"So you can access your super at 60.","start":1419.1849,"end":1421.125,"sentiment":"neutral","sentiment_score":0.1816555019468069},{"text":"The age pension is 67.","start":1421.345,"end":1423.285,"sentiment":"neutral","sentiment_score":0.09660595506429673}],"sentiment":"neutral","sentiment_score":0.17172386854266128,"num_words":48,"start":1405.57,"end":1423.285},{"sentences":[{"text":"And are you still of that mind of let's go out as quick as we can so I can retire as early as I can?","start":1423.585,"end":1428.84,"sentiment":"neutral","sentiment_score":0.15699332267045973},{"text":"100%.","start":1430.76,"end":1431.58,"sentiment":"positive","sentiment_score":0.4225332736968994},{"text":"Perfect.","start":1431.88,"end":1432.2799,"sentiment":"positive","sentiment_score":0.7794071435928345},{"text":"So that makes our job very straightforward.","start":1432.2799,"end":1434.62,"sentiment":"positive","sentiment_score":0.6798882058688572},{"text":"We just continuously update your portfolio and try and make sure it's on track for what it needs to be returning.","start":1435.0,"end":1441.1799,"sentiment":"positive","sentiment_score":0.5685499211152395}],"sentiment":"positive","sentiment_score":0.3968279867009683,"num_words":55,"start":1423.585,"end":1441.1799},{"sentences":[{"text":"You do your thing with work and pay off the mortgage.","start":1441.8049,"end":1444.145,"sentiment":"positive","sentiment_score":0.38360917568206787},{"text":"And if there's anything else that you would like to look at along the way, whether it comes to trust discussions, estate planning, or even investing, we can definitely sort of swing into different areas of advice as you might need.","start":1444.445,"end":1456.5449,"sentiment":"neutral","sentiment_score":0.2802647548477824},{"text":"Is there anything that you think you might wanna look at over the next five years?","start":1456.88,"end":1460.18,"sentiment":"neutral","sentiment_score":0.07781653385609388},{"text":"Yep.","start":1480.815,"end":1481.16,"sentiment":"neutral","sentiment_score":-0.09771984070539474},{"text":"Oh, so you still gotta kind of play through the the end of Yeah.","start":1483.16,"end":1497.175,"sentiment":"neutral","sentiment_score":-0.01538691736225571}],"sentiment":"neutral","sentiment_score":0.20051185227930546,"num_words":83,"start":1441.8049,"end":1497.175},{"sentences":[{"text":"Absolutely.","start":1497.175,"end":1497.675,"sentiment":"neutral","sentiment_score":0.27726954221725464},{"text":"That's a good thing to keep an eye on is just keep your your savings high and make sure all of that's settled before you dive into too many other things.","start":1497.895,"end":1506.395,"sentiment":"neutral","sentiment_score":0.29633153818788066},{"text":"Yeah.","start":1516.72,"end":1517.22,"sentiment":"neutral","sentiment_score":0.0007259286940097809},{"text":"Yep.","start":1519.295,"end":1519.615,"sentiment":"neutral","sentiment_score":0.0042068613693118095},{"text":"We're we're looking for the four bedroom now.","start":1519.615,"end":1521.795,"sentiment":"neutral","sentiment_score":0.02075683354632929}],"sentiment":"neutral","sentiment_score":0.22939368296370266,"num_words":42,"start":1497.175,"end":1521.795},{"sentences":[{"text":"After that, I'm just making a few notes that, basically, what the main thing is is just transition into work, finalize liquidation of the business, grow your savings, go on a couple of trips, upgrade your home, retire early, and upgrade your car.","start":1524.655,"end":1539.49,"sentiment":"neutral","sentiment_score":0.12896144216836886},{"text":"Awesome.","start":1541.23,"end":1541.7101,"sentiment":"neutral","sentiment_score":0.21731501817703247},{"text":"Anything else that I have missed there?","start":1541.7101,"end":1543.81,"sentiment":"neutral","sentiment_score":0.03653057664632797},{"text":"Perfect.","start":1548.285,"end":1548.685,"sentiment":"positive","sentiment_score":0.7288554906845093},{"text":"Perfect.","start":1548.685,"end":1549.005,"sentiment":"positive","sentiment_score":0.7560970783233643}],"sentiment":"neutral","sentiment_score":0.14157214409337854,"num_words":53,"start":1524.655,"end":1549.005},{"sentences":[{"text":"Perfect.","start":1549.005,"end":1549.505,"sentiment":"positive","sentiment_score":0.6104370355606079},{"text":"And if you don't mind me asking, what are you you're baking at the moment?","start":1551.005,"end":1553.645,"sentiment":"neutral","sentiment_score":0.036928624163071314},{"text":"Just we talking cakes, cookies?","start":1553.645,"end":1555.425,"sentiment":"neutral","sentiment_score":0.03741744607686996},{"text":"Oh, well, I shouldn't have asked.","start":1563.34,"end":1564.86,"sentiment":"neutral","sentiment_score":-0.02950484026223421},{"text":"I'm on late night tonight.","start":1564.86,"end":1566.1399,"sentiment":"neutral","sentiment_score":-0.08827998638153076}],"sentiment":"neutral","sentiment_score":0.022907020465936512,"num_words":32,"start":1549.005,"end":1566.1399},{"sentences":[{"text":"I've still got a few hours to go, and I'm I'm starving already.","start":1566.1399,"end":1569.0399,"sentiment":"neutral","sentiment_score":-0.17764670459123758},{"text":"No.","start":1574.715,"end":1574.955,"sentiment":"neutral","sentiment_score":-0.006681013852357864},{"text":"That's okay.","start":1574.955,"end":1575.5149,"sentiment":"neutral","sentiment_score":0.23415382951498032},{"text":"That sounds amazing.","start":1575.5149,"end":1576.6549,"sentiment":"positive","sentiment_score":0.7025424242019653},{"text":"Alright.","start":1578.235,"end":1578.735,"sentiment":"neutral","sentiment_score":0.1706349551677704}],"sentiment":"neutral","sentiment_score":0.02152408566325903,"num_words":20,"start":1566.1399,"end":1578.735},{"sentences":[{"text":"Now before I kind of finish up, is there any questions on your end so far?","start":1579.195,"end":1584.63,"sentiment":"neutral","sentiment_score":0.03683553804876283},{"text":"Perfect.","start":1599.845,"end":1600.3251,"sentiment":"positive","sentiment_score":0.4598102867603302},{"text":"Perfect.","start":1600.3251,"end":1600.8251,"sentiment":"positive","sentiment_score":0.40680065751075745},{"text":"Look.","start":1601.365,"end":1601.765,"sentiment":"neutral","sentiment_score":0.1495664417743683},{"text":"There's always two, and they always tend to kind of play off each other.","start":1601.765,"end":1605.045,"sentiment":"neutral","sentiment_score":0.011821368709206581}],"sentiment":"neutral","sentiment_score":0.053668035053168285,"num_words":33,"start":1579.195,"end":1605.045},{"sentences":[{"text":"I do the same thing for my wife, so it's always good to have.","start":1605.045,"end":1608.025,"sentiment":"neutral","sentiment_score":0.23925679815667017},{"text":"If you don't mind me asking, is your partner a client of ours as well?","start":1609.2799,"end":1613.12,"sentiment":"neutral","sentiment_score":0.022608883989353974},{"text":"Or okeydoke.","start":1613.12,"end":1617.7799,"sentiment":"neutral","sentiment_score":0.07099308539181948},{"text":"So I just wanna do my due diligence and double check that I've sent you the right agreement before you tick anything.","start":1618.1599,"end":1624.865,"sentiment":"neutral","sentiment_score":0.06351888907903974},{"text":"So bear with me for two seconds because we have a the partner's fee discount, and I just wanna make sure that's been applied.","start":1626.445,"end":1636.625,"sentiment":"neutral","sentiment_score":0.0290836647618562}],"sentiment":"neutral","sentiment_score":0.07696283271221759,"num_words":77,"start":1605.045,"end":1636.625},{"sentences":[{"text":"Yes.","start":1638.59,"end":1638.9099,"sentiment":"neutral","sentiment_score":0.03956609591841698},{"text":"It has.","start":1638.9099,"end":1639.47,"sentiment":"neutral","sentiment_score":0.03661441057920456},{"text":"So, normally, we would charge 1.65%.","start":1639.47,"end":1643.25,"sentiment":"neutral","sentiment_score":0.014031453368564447},{"text":"You are down to the partner's discount of 1.1.","start":1643.3899,"end":1646.37,"sentiment":"neutral","sentiment_score":0.010629881742513843},{"text":"When you go above 600,000 in your super, which sounds crazy, it does actually cap as a flat fee at that point because we do have clients that get to a million, 2,000,000, and it can be quite excessive.","start":1646.6699,"end":1659.865,"sentiment":"neutral","sentiment_score":-0.03617709478697716}],"sentiment":"neutral","sentiment_score":-0.019618493398618802,"num_words":57,"start":1638.59,"end":1659.865},{"sentences":[{"text":"You can't charge $40,000 for the same service.","start":1659.865,"end":1662.605,"sentiment":"neutral","sentiment_score":-0.055768415331840515},{"text":"We're good, but there has to be a limit.","start":1662.745,"end":1665.0049,"sentiment":"neutral","sentiment_score":-0.05507748822371165},{"text":"But over the years, because of you being on 6 figures high growth, it wouldn't be surprising for you to be going to a million, million and a half, 2,000,000, that kind of thing.","start":1665.7849,"end":1677.4701,"sentiment":"neutral","sentiment_score":0.02884627873187556},{"text":"Most people in our generations who are six figures early are going to be hitting some pretty high figures in their super, especially with 12% going in now and especially on a will you be getting paid weekly, fortnightly, or monthly?","start":1677.6901,"end":1691.0349,"sentiment":"neutral","sentiment_score":0.20479627526024494},{"text":"Fortnightly.","start":1692.9349,"end":1693.4349,"sentiment":"neutral","sentiment_score":0.21305856108665464}],"sentiment":"neutral","sentiment_score":0.0929960710427133,"num_words":93,"start":1659.865,"end":1693.4349},{"sentences":[{"text":"So the cool thing is they've changed the legislation to make it fortnightly in line with your pay cycle for the super contributions.","start":1693.73,"end":1700.23,"sentiment":"positive","sentiment_score":0.4879057744274969},{"text":"So that way, you don't have to wait three months for it to go in.","start":1700.6901,"end":1703.65,"sentiment":"positive","sentiment_score":0.448718523979187},{"text":"It goes in with your pay, and that means it gets invested quicker, invested for longer, and that's gonna really help us as well.","start":1703.65,"end":1710.9451,"sentiment":"positive","sentiment_score":0.6719702209035555},{"text":"Our main problem is gonna be in thirty years' time, the cost of living and inflation.","start":1710.9451,"end":1716.245,"sentiment":"negative","sentiment_score":-0.4096200792118907},{"text":"So even if you've got a million million of super, if a 100,000 buys bugger all in twenty years' time compared to what it does now, we do have to compensate for that and get you a little bit of extra growth as well.","start":1716.305,"end":1729.4501,"sentiment":"neutral","sentiment_score":-0.24459399265999143}],"sentiment":"neutral","sentiment_score":0.13740851662930895,"num_words":122,"start":1693.73,"end":1729.4501},{"sentences":[{"text":"It is, but that's why we we keep an eye and we pivot and we do what we can and we invest because how long would it take anybody to save a million dollars in their bank account?","start":1733.51,"end":1743.355,"sentiment":"neutral","sentiment_score":-0.10293330908998062},{"text":"Probably take them a lifetime, and it's pretty hard to do.","start":1743.355,"end":1746.99,"sentiment":"neutral","sentiment_score":-0.3230491172183644},{"text":"Alright.","start":1748.91,"end":1749.41,"sentiment":"neutral","sentiment_score":0.012472966685891151},{"text":"When you do go through that email, you will have attachments like a normal email, like PDF attachments with all of your reports and everything.","start":1751.15,"end":1759.25,"sentiment":"neutral","sentiment_score":0.11853334337472915},{"text":"And then the actual blue link is to go in and sign the service agreement itself where you can download a signed copy.","start":1759.605,"end":1767.365,"sentiment":"neutral","sentiment_score":0.10489120042842368}],"sentiment":"neutral","sentiment_score":-0.021190835448095992,"num_words":98,"start":1733.51,"end":1767.365},{"sentences":[{"text":"So I did wanna ask you, Moana, are you still comfortable for us to remain your advisers?","start":1767.365,"end":1771.465,"sentiment":"neutral","sentiment_score":0.017319065683028278},{"text":"Amazing.","start":1774.5701,"end":1775.0701,"sentiment":"positive","sentiment_score":0.6414581537246704},{"text":"That pretty much wraps up the review for the time being.","start":1775.85,"end":1778.75,"sentiment":"positive","sentiment_score":0.40446233021264727},{"text":"Do you want me to put in any kind of quarterly or six monthly contact with you to go through any changes or potential advice, or do you are you happy just to wait for the next annual review and call in as needed?","start":1779.21,"end":1792.765,"sentiment":"neutral","sentiment_score":0.06202748289797455},{"text":"That's perfectly fine.","start":1797.88,"end":1799.16,"sentiment":"neutral","sentiment_score":0.10822718838850658}],"sentiment":"neutral","sentiment_score":0.11103761467567988,"num_words":76,"start":1767.365,"end":1799.16},{"sentences":[{"text":"So we'll still keep sending through details and changes and making updates.","start":1799.16,"end":1804.52,"sentiment":"neutral","sentiment_score":0.05640156473964453},{"text":"And if you're that way inclined, you can check out the videos we're starting to do on our website about the economy and everything.","start":1804.52,"end":1810.36,"sentiment":"neutral","sentiment_score":0.03422322062154611},{"text":"But if not, please call in if there's been any major changes or anything that you guys need or would like to talk about.","start":1810.36,"end":1816.465,"sentiment":"neutral","sentiment_score":-0.014394699518258372},{"text":"Awesome, Anna.","start":1818.9249,"end":1819.565,"sentiment":"positive","sentiment_score":0.4896073341369629},{"text":"Any last questions for me before I let you go?","start":1819.565,"end":1821.6649,"sentiment":"neutral","sentiment_score":0.20387973338365556}],"sentiment":"neutral","sentiment_score":0.05792660118701557,"num_words":72,"start":1799.16,"end":1821.6649},{"sentences":[{"text":"Awesome.","start":1823.9668,"end":1824.4468,"sentiment":"positive","sentiment_score":0.6770681738853455},{"text":"I will talk to you soon.","start":1824.4468,"end":1825.8868,"sentiment":"positive","sentiment_score":0.5800938606262207},{"text":"If you have any questions, call back, and have a fantastic week.","start":1825.8868,"end":1829.5868,"sentiment":"positive","sentiment_score":0.528399425248305},{"text":"Thank you.","start":1831.4868,"end":1832.0469,"sentiment":"positive","sentiment_score":0.4999239593744278},{"text":"Bye.","start":1832.0469,"end":1832.5469,"sentiment":"neutral","sentiment_score":0.22701244056224823}],"sentiment":"positive","sentiment_score":0.5329674909060652,"num_words":22,"start":1823.9668,"end":1832.5469}]}}]},{"alternatives":[{"transcript":"Hello. Mora speaking. I'm good. How are you? Great. It's the same. It's sunny, but it's not hot. It's it's a nice day today. Yep. No worries. Yes. That's fine. Date of birth is the '92, and address is Number 3 Thompson Street, Boulder 6432. Yeah. Leave that on there. That's all good. Yep. I can look on, but I'm I'm doing a bit of baking. So if you could just explain it, that would be great. Yeah. No worries. Yes. Yep. Yep. Okay. Yep. No worries at all. I just heard them through. Yep. Yes. It's been a pretty weird year. All around. Yeah. No. We we shut the business we shut our business down at the end of last financial year. And yes. I was working from Northern Star. I made a bit of a boomer and ended up getting fired, but, oh, well, shit happens. But I got a new job with Evolution, and I should start next week. So yeah. Sorry? Oh, I drive I'm going back to driving trucks underground. When I was with Northern Star, I was the underground man. So I looked after all of the explosives. I was at my last site. I'll just be driving dirt out of the hole at my new site, which will be more money. I have exact the exact amount if you'd like. Yes. So it's still enough. So week on week off. Yep. Yes. Yes. Are they now? So many bloody emails. Yes. Yep. No. Yes. Alright. The 15 and 12, Mason's just turned 12, and Bailey's actually about to turn 14. Alright. I just found that so total salary for the year, including superannuation on my base rate, will be $109,155.20. $5.05. Yep. No. They haven't. There will always be an option to do that, though. But they Evolution offers what Northern Star didn't. They actually do quarterly bonuses as well at a minimum of 12.56. Yep. Thank you. With definitely a learning ground. Okay. So, actually, I can try here. So we haven't had it formally evaluated, but it reckons it's now estimated value is 360. And currently, much did it say we owe? Yeah. No. We had to withdraw off the house for a little bit there. So yeah. No. That's right. Yep. Zip Zip account, nothing. And I now own my Hilux, which is who knows what they value at these days, but I'd say roughly about 25. How did yeah. How did he control that? Because if I said I send it, I'm really bad about that. No. I don't have any shares. I've just been paid out my shares from Northern Star, which was used as a really, like, $37. It says no. It has their cards there. Actually, I actually talked to Harvey. I'm not sure if he's put the if he's put the old car on his side. Yeah. Yeah. Just do that. No. I should really do that. Yep. Yep. Yep. I did see that, actually. I did see that. Actually, can I, at a different date, doesn't need to be today, have a chat about making a family trust? It's not so much for myself. It's more for my partner and his cousins. So there's quite a bit of shared land back in New Zealand. Yep. And it's been the root cause of every family argument for god knows how long. So yeah. 100%. And it's always going to be the case, but we're thinking if we put a trust in place with clear clear outlines of everything, then there'll be less of an argument. Yep. Oh, no. Just wanting an outline of how they work, what's needed for them. Yeah. Just a little outline, really. No. Both Kane and I have been out of New Zealand since, what, 2008, 2010? Yes. Okay. Yep. Yep. I love life. Okay. It's just outside of that. I think they are entitled to shit, but yeah. Yep. Yep. Yeah. No. Definitely. Especially because it's Maori land, so it's not it's not Crown land. Yes. Oh. Yeah. Yeah. We'll just put Kate on there. Oh, okay. Yep. Yep. Yep. I just continue on until I change it. Yep. That it can't be contested. Yep. Q n. One moment. I'm not finished a little out. That's no worries. I'm as I said, I'm not working at the moment, so that's all good. No. That's alright. I'll get that as part of my employment package. Yep. Cute. Yep. Yes. Yeah. Right. Perfect. Mhmm. Yes. Yeah. And you can buy it at a glove because it's just a little more expensive to use with kids. Yep. What is the balance at the moment? Oh, yep. So just shy of $10 increase. Yeah. Yep. Yep. Yep. Yep. Makes perfect sense. No. I already had copies from when I went to Northern Star, so that's all sorted. Yep. Yep. Yeah. We wanna get a couple trips and over the next couple of years just because having a business, you can't go on trips because you have to be there to run the bloody business. 100%. One holiday in a year in eleven years is not enough. Heading to Raleigh at the end of the year. I would really love to do a New Zealand trip next year, but I'm also thinking about because the company also offers Novated Leasing. So I'm also thinking about getting a new car. To be honest, I wouldn't know. The last time we went back in back to New Zealand was $20.17 for the four of us last minute flights. We didn't have to pay for accommodation, thankfully, and car hire and all of that cost us about $10. Sorry. I was just about to say, if you put down about 15, we'll probably be on the money. Yep. Yes. 100%. Well, there's a lot of things. It's just a matter of getting in yeah. We just wanna kinda get ourselves in a better position first because that's our business was liquidated, and we haven't heard anything about that. Yeah. So we just kinda yeah. We do wanna do all these things, but we're still trying to make sure that we're in a a decent position just in case something decides to bite us on the butt. Yep. Yeah. We do wanna get a bigger house too because three bedrooms with teenage kids who constantly bring their kids friends with their friends around. It's it's a bit tight. Yep. Yep. Yep. Alright. Cracking the egg. Bacon egg pie, some chocolate chip biscuits, and some banana muffins. Sorry. I should've said it was, something weird. No. I'm pretty good at the moment. If I didn't have Harvey with me, I'd probably be third. But, anyway, he's pretty on-site. He keeps me he keeps me in check money wise. Yes. Yes. He's actually the one who got me on to you guys. Alright. Yep. Yes. Yep. Fortnightly. Yes. Yep. No. That's understandable. It's the white cookie combos. Yep. For sure. Yep. Yes. Yes. Absolutely. Yeah. It looks Yes. Yes. No. That's absolutely fine. I'm horrible answering my phone. Yeah. Yes. Yeah. No worries. Thank you very much. No. Thank you. You've been great. You too. Thanks, love. 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Mora speaking. I'm good. How are you? Great.\n\nIt's the same. It's sunny, but it's not hot. It's it's a nice day today. Yep. No worries.\n\nYes. That's fine. Date of birth is the '92, and address is Number 3 Thompson Street, Boulder 6432. Yeah. Leave that on there.\n\nThat's all good. Yep. I can look on, but I'm I'm doing a bit of baking. So if you could just explain it, that would be great. Yeah.\n\nNo worries. Yes. Yep. Yep. Okay.\n\nYep. No worries at all. I just heard them through. Yep. Yes.\n\nIt's been a pretty weird year. All around. Yeah. No. We we shut the business we shut our business down at the end of last financial year.\n\nAnd yes. I was working from Northern Star. I made a bit of a boomer and ended up getting fired, but, oh, well, shit happens. But I got a new job with Evolution, and I should start next week. So yeah.\n\nSorry? Oh, I drive I'm going back to driving trucks underground. When I was with Northern Star, I was the underground man. So I looked after all of the explosives. I was at my last site.\n\nI'll just be driving dirt out of the hole at my new site, which will be more money. I have exact the exact amount if you'd like. Yes. So it's still enough. So week on week off.\n\nYep. Yes. Yes. Are they now? So many bloody emails.\n\nYes. Yep. No. Yes. Alright.\n\nThe 15 and 12, Mason's just turned 12, and Bailey's actually about to turn 14. Alright. I just found that so total salary for the year, including superannuation on my base rate, will be $109,155.20. $5.05. Yep.\n\nNo. They haven't. There will always be an option to do that, though. But they Evolution offers what Northern Star didn't. They actually do quarterly bonuses as well at a minimum of 12.56.\n\nYep. Thank you. With definitely a learning ground. Okay. So, actually, I can try here.\n\nSo we haven't had it formally evaluated, but it reckons it's now estimated value is 360. And currently, much did it say we owe? Yeah. No. We had to withdraw off the house for a little bit there.\n\nSo yeah. No. That's right. Yep. Zip Zip account, nothing.\n\nAnd I now own my Hilux, which is who knows what they value at these days, but I'd say roughly about 25. How did yeah. How did he control that? Because if I said I send it, I'm really bad about that. No.\n\nI don't have any shares. I've just been paid out my shares from Northern Star, which was used as a really, like, $37. It says no. It has their cards there. Actually, I actually talked to Harvey.\n\nI'm not sure if he's put the if he's put the old car on his side. Yeah. Yeah. Just do that. No.\n\nI should really do that. Yep. Yep. Yep. I did see that, actually.\n\nI did see that. Actually, can I, at a different date, doesn't need to be today, have a chat about making a family trust? It's not so much for myself. It's more for my partner and his cousins. So there's quite a bit of shared land back in New Zealand.\n\nYep. And it's been the root cause of every family argument for god knows how long. So yeah. 100%. And it's always going to be the case, but we're thinking if we put a trust in place with clear clear outlines of everything, then there'll be less of an argument.\n\nYep. Oh, no. Just wanting an outline of how they work, what's needed for them. Yeah. Just a little outline, really.\n\nNo. Both Kane and I have been out of New Zealand since, what, 2008, 2010? Yes. Okay. Yep.\n\nYep. I love life. Okay. It's just outside of that. I think they are entitled to shit, but yeah.\n\nYep. Yep. Yeah. No. Definitely.\n\nEspecially because it's Maori land, so it's not it's not Crown land. Yes. Oh. Yeah. Yeah.\n\nWe'll just put Kate on there. Oh, okay. Yep. Yep. Yep.\n\nI just continue on until I change it. Yep. That it can't be contested. Yep. Q n.\n\nOne moment. I'm not finished a little out. That's no worries. I'm as I said, I'm not working at the moment, so that's all good. No.\n\nThat's alright. I'll get that as part of my employment package. Yep. Cute. Yep.\n\nYes. Yeah. Right. Perfect. Mhmm.\n\nYes. Yeah. And you can buy it at a glove because it's just a little more expensive to use with kids. Yep. What is the balance at the moment?\n\nOh, yep. So just shy of $10 increase. Yeah. Yep. Yep.\n\nYep. Yep. Makes perfect sense. No. I already had copies from when I went to Northern Star, so that's all sorted.\n\nYep. Yep. Yeah. We wanna get a couple trips and over the next couple of years just because having a business, you can't go on trips because you have to be there to run the bloody business. 100%.\n\nOne holiday in a year in eleven years is not enough. Heading to Raleigh at the end of the year. I would really love to do a New Zealand trip next year, but I'm also thinking about because the company also offers Novated Leasing. So I'm also thinking about getting a new car. To be honest, I wouldn't know.\n\nThe last time we went back in back to New Zealand was $20.17 for the four of us last minute flights. We didn't have to pay for accommodation, thankfully, and car hire and all of that cost us about $10. Sorry. I was just about to say, if you put down about 15, we'll probably be on the money. Yep.\n\nYes. 100%. Well, there's a lot of things. It's just a matter of getting in yeah. We just wanna kinda get ourselves in a better position first because that's our business was liquidated, and we haven't heard anything about that.\n\nYeah. So we just kinda yeah. We do wanna do all these things, but we're still trying to make sure that we're in a a decent position just in case something decides to bite us on the butt. Yep. Yeah.\n\nWe do wanna get a bigger house too because three bedrooms with teenage kids who constantly bring their kids friends with their friends around. It's it's a bit tight. Yep. Yep. Yep.\n\nAlright. Cracking the egg. Bacon egg pie, some chocolate chip biscuits, and some banana muffins. Sorry. I should've said it was, something weird.\n\nNo. I'm pretty good at the moment. If I didn't have Harvey with me, I'd probably be third. But, anyway, he's pretty on-site. He keeps me he keeps me in check money wise.\n\nYes. Yes. He's actually the one who got me on to you guys. Alright. Yep.\n\nYes. Yep. Fortnightly. Yes. Yep.\n\nNo. That's understandable. It's the white cookie combos. Yep. For sure.\n\nYep. Yes. Yes. Absolutely. Yeah.\n\nIt looks Yes. Yes. No. That's absolutely fine. I'm horrible answering my phone.\n\nYeah. Yes. Yeah. No worries. Thank you very much.\n\nNo. Thank you. You've been great. You too. Thanks, love.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello.","start":2.08,"end":2.3999999,"sentiment":"neutral","sentiment_score":0.03956784307956696},{"text":"Mora speaking.","start":2.3999999,"end":3.22,"sentiment":"neutral","sentiment_score":0.034483762457966805},{"text":"I'm good.","start":7.52,"end":8.16,"sentiment":"positive","sentiment_score":0.4611441344022751},{"text":"How are you?","start":8.16,"end":9.059999,"sentiment":"neutral","sentiment_score":0.3198595742384593},{"text":"Great.","start":15.135,"end":15.455,"sentiment":"positive","sentiment_score":0.5135397911071777}],"sentiment":"neutral","sentiment_score":0.27821579451362294,"num_words":9,"start":2.08,"end":15.455},{"sentences":[{"text":"It's the same.","start":15.455,"end":16.175,"sentiment":"neutral","sentiment_score":0.27346171438694},{"text":"It's sunny, but it's not hot.","start":16.175,"end":18.195,"sentiment":"neutral","sentiment_score":0.13239015266299248},{"text":"It's it's a nice day today.","start":18.255001,"end":20.035,"sentiment":"positive","sentiment_score":0.604392742117246},{"text":"Yep.","start":28.62,"end":28.78,"sentiment":"neutral","sentiment_score":0.13222432136535645},{"text":"No worries.","start":28.78,"end":29.68,"sentiment":"neutral","sentiment_score":0.20859894156455994}],"sentiment":"neutral","sentiment_score":0.3216947064631515,"num_words":18,"start":15.455,"end":29.68},{"sentences":[{"text":"Yes.","start":37.745003,"end":38.245003,"sentiment":"neutral","sentiment_score":0.06984777003526688},{"text":"That's fine.","start":40.225002,"end":41.045002,"sentiment":"neutral","sentiment_score":0.2298438549041748},{"text":"Date of birth is the '92, and address is Number 3 Thompson Street, Boulder 6432.","start":53.52,"end":60.58,"sentiment":"neutral","sentiment_score":0.04768634003897508},{"text":"Yeah.","start":70.725,"end":70.965004,"sentiment":"neutral","sentiment_score":0.05583642423152923},{"text":"Leave that on 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yeah.","start":217.29999,"end":222.04,"sentiment":"neutral","sentiment_score":0.030370871536433697}],"sentiment":"neutral","sentiment_score":-0.049077096099897126,"num_words":41,"start":192.06001,"end":222.04},{"sentences":[{"text":"Sorry?","start":225.63501,"end":226.13501,"sentiment":"neutral","sentiment_score":-0.04684862866997719},{"text":"Oh, I drive I'm going back to driving trucks underground.","start":230.435,"end":234.115,"sentiment":"neutral","sentiment_score":-0.0019742581527680157},{"text":"When I was with Northern Star, I was the underground man.","start":234.115,"end":236.535,"sentiment":"neutral","sentiment_score":-0.0071842361410910435},{"text":"So I looked after all of the explosives.","start":237.795,"end":240.215,"sentiment":"neutral","sentiment_score":-0.017303396831266582},{"text":"I was at my last 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off.","start":288.695,"end":289.995,"sentiment":"neutral","sentiment_score":0.0332168560475111}],"sentiment":"neutral","sentiment_score":0.010579745260042113,"num_words":37,"start":247.05,"end":289.995},{"sentences":[{"text":"Yep.","start":296.215,"end":296.715,"sentiment":"neutral","sentiment_score":0.06188281625509262},{"text":"Yes.","start":305.78998,"end":306.28998,"sentiment":"neutral","sentiment_score":0.01901675947010517},{"text":"Yes.","start":312.295,"end":312.535,"sentiment":"neutral","sentiment_score":0.008227970451116562},{"text":"Are they now?","start":312.535,"end":313.435,"sentiment":"neutral","sentiment_score":-0.01506977342069149},{"text":"So many bloody emails.","start":329.09003,"end":330.47,"sentiment":"neutral","sentiment_score":-0.31245410442352295}],"sentiment":"neutral","sentiment_score":-0.1205898191779852,"num_words":10,"start":296.215,"end":330.47},{"sentences":[{"text":"Yes.","start":356.91998,"end":357.41998,"sentiment":"neutral","sentiment_score":0.006734766066074371},{"text":"Yep.","start":358.44,"end":358.94,"sentiment":"neutral","sentiment_score":-0.027035608887672424},{"text":"No.","start":361.31998,"end":361.81998,"sentiment":"neutral","sentiment_score":-0.03307180106639862},{"text":"Yes.","start":372.255,"end":372.755,"sentiment":"neutral","sentiment_score":0.049793969839811325},{"text":"Alright.","start":381.215,"end":381.715,"sentiment":"neutral","sentiment_score":0.0368926003575325}],"sentiment":"neutral","sentiment_score":0.006662785261869431,"num_words":5,"start":356.91998,"end":381.715},{"sentences":[{"text":"The 15 and 12, Mason's just turned 12, and Bailey's actually about to turn 14.","start":382.88,"end":387.86,"sentiment":"neutral","sentiment_score":0.040424354498585065},{"text":"Alright.","start":392.08,"end":392.47998,"sentiment":"neutral","sentiment_score":-0.010045427829027176},{"text":"I just found that so total salary for the year, including superannuation on my base rate, will be $109,155.20.","start":392.47998,"end":405.035,"sentiment":"neutral","sentiment_score":0.06945500444424779},{"text":"$5.05.","start":409.415,"end":410.23502,"sentiment":"neutral","sentiment_score":0.0075051188468933105},{"text":"Yep.","start":412.05,"end":412.55,"sentiment":"neutral","sentiment_score":0.02447077259421349}],"sentiment":"neutral","sentiment_score":0.052647050419771996,"num_words":37,"start":382.88,"end":412.55},{"sentences":[{"text":"No.","start":425.58502,"end":426.065,"sentiment":"neutral","sentiment_score":-0.06008972227573395},{"text":"They haven't.","start":426.065,"end":426.885,"sentiment":"neutral","sentiment_score":-0.05979754589498043},{"text":"There will always be an option to do that, though.","start":427.505,"end":430.325,"sentiment":"neutral","sentiment_score":-0.027272600308060647},{"text":"But they Evolution offers what Northern Star didn't.","start":431.02502,"end":434.725,"sentiment":"neutral","sentiment_score":0.001220322330482304},{"text":"They actually do quarterly bonuses as well at a minimum of 12.56.","start":435.105,"end":440.31,"sentiment":"neutral","sentiment_score":0.030494574923068285}],"sentiment":"neutral","sentiment_score":-0.002324646649261316,"num_words":33,"start":425.58502,"end":440.31},{"sentences":[{"text":"Yep.","start":440.31,"end":440.81,"sentiment":"neutral","sentiment_score":0.04231683537364006},{"text":"Thank you.","start":449.66998,"end":450.49,"sentiment":"positive","sentiment_score":0.6668532192707062},{"text":"With definitely a learning 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right.","start":521.495,"end":522.315,"sentiment":"neutral","sentiment_score":0.0010503586381673813},{"text":"Yep.","start":526.79,"end":527.29,"sentiment":"neutral","sentiment_score":0.050704143941402435},{"text":"Zip Zip account, nothing.","start":535.635,"end":537.575,"sentiment":"neutral","sentiment_score":0.011835548328235745}],"sentiment":"neutral","sentiment_score":0.002860616985708475,"num_words":10,"start":519.335,"end":537.575},{"sentences":[{"text":"And I now own my Hilux, which is who knows what they value at these days, but I'd say roughly about 25.","start":539.715,"end":549.51,"sentiment":"neutral","sentiment_score":0.027132494121112606},{"text":"How did yeah.","start":563.535,"end":564.495,"sentiment":"neutral","sentiment_score":-0.09689527750015259},{"text":"How did he control that?","start":564.495,"end":565.77496,"sentiment":"neutral","sentiment_score":-0.13084573298692703},{"text":"Because if I said I send it, I'm really bad about 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Harvey.","start":600.445,"end":603.16504,"sentiment":"neutral","sentiment_score":-0.05511849249402682}],"sentiment":"neutral","sentiment_score":-0.14776408853563103,"num_words":37,"start":580.1,"end":603.16504},{"sentences":[{"text":"I'm not sure if he's put the if he's put the old car on his side.","start":603.16504,"end":612.74005,"sentiment":"neutral","sentiment_score":-0.16202759835869074},{"text":"Yeah.","start":620.64,"end":621.04004,"sentiment":"neutral","sentiment_score":0.0945226326584816},{"text":"Yeah.","start":621.04004,"end":621.28,"sentiment":"neutral","sentiment_score":0.1076740249991417},{"text":"Just do that.","start":621.28,"end":622.155,"sentiment":"neutral","sentiment_score":0.15279609461625418},{"text":"No.","start":639.97,"end":640.20996,"sentiment":"neutral","sentiment_score":-0.24929985404014587}],"sentiment":"neutral","sentiment_score":-0.09914347664876418,"num_words":22,"start":603.16504,"end":640.20996},{"sentences":[{"text":"I should really do 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yeah.","start":742.65497,"end":743.77496,"sentiment":"neutral","sentiment_score":0.1615570560097694},{"text":"100%.","start":743.77496,"end":744.415,"sentiment":"neutral","sentiment_score":0.20579378306865692},{"text":"And it's always going to be the case, but we're thinking if we put a trust in place with clear clear outlines of everything, then there'll be less of an argument.","start":744.415,"end":757.23,"sentiment":"neutral","sentiment_score":0.2416743746688289}],"sentiment":"neutral","sentiment_score":0.14814139048568906,"num_words":50,"start":735.055,"end":757.23},{"sentences":[{"text":"Yep.","start":762.055,"end":762.555,"sentiment":"neutral","sentiment_score":0.2257659882307053},{"text":"Oh, no.","start":771.895,"end":772.29504,"sentiment":"neutral","sentiment_score":0.004083821550011635},{"text":"Just wanting an outline of how they work, what's needed for 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you can buy it at a glove because it's just a little more expensive to use with kids.","start":1111.935,"end":1115.955,"sentiment":"neutral","sentiment_score":0.1829971518171461},{"text":"Yep.","start":1124.3999,"end":1124.8999,"sentiment":"neutral","sentiment_score":0.2563183009624481},{"text":"What is the balance at the moment?","start":1133.695,"end":1135.635,"sentiment":"neutral","sentiment_score":0.0044751470642430445}],"sentiment":"neutral","sentiment_score":0.1450413279235363,"num_words":29,"start":1110.255,"end":1135.635},{"sentences":[{"text":"Oh, yep.","start":1142.255,"end":1142.8949,"sentiment":"neutral","sentiment_score":0.06781931221485138},{"text":"So just shy of $10 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bloody business.","start":1326.77,"end":1334.835,"sentiment":"neutral","sentiment_score":0.10070301460869172},{"text":"100%.","start":1336.975,"end":1337.855,"sentiment":"neutral","sentiment_score":-0.11909569799900056}],"sentiment":"neutral","sentiment_score":0.09973223428977163,"num_words":38,"start":1301.63,"end":1337.855},{"sentences":[{"text":"One holiday in a year in eleven years is not enough.","start":1337.855,"end":1340.6749,"sentiment":"negative","sentiment_score":-0.5427044277841394},{"text":"Heading to Raleigh at the end of the year.","start":1348.88,"end":1351.3,"sentiment":"neutral","sentiment_score":0.12069297002421485},{"text":"I would really love to do a New Zealand trip next year, but I'm also thinking about because the company also offers Novated Leasing.","start":1351.92,"end":1361.475,"sentiment":"positive","sentiment_score":0.34118728898465633},{"text":"So I'm also thinking about getting a new car.","start":1362.575,"end":1365.7949,"sentiment":"neutral","sentiment_score":0.12007302459743288},{"text":"To be honest, I wouldn't know.","start":1372.29,"end":1379.03,"sentiment":"neutral","sentiment_score":-0.0061484770849347115}],"sentiment":"neutral","sentiment_score":0.073707615577821,"num_words":59,"start":1337.855,"end":1379.03},{"sentences":[{"text":"The last time we went back in back to New Zealand was $20.17 for the four of us last minute flights.","start":1381.17,"end":1387.5901,"sentiment":"neutral","sentiment_score":0.05901760820831571},{"text":"We didn't have to pay for accommodation, thankfully, and car hire and all of that cost us about $10.","start":1388.545,"end":1395.045,"sentiment":"neutral","sentiment_score":0.08075181159533952},{"text":"Sorry.","start":1397.505,"end":1398.005,"sentiment":"neutral","sentiment_score":0.009614439681172373},{"text":"I was just about to say, if you put down about 15, we'll probably be on the money.","start":1400.5901,"end":1404.77,"sentiment":"neutral","sentiment_score":0.07514067718552218},{"text":"Yep.","start":1415.0701,"end":1415.5701,"sentiment":"neutral","sentiment_score":0.02831710129976273}],"sentiment":"neutral","sentiment_score":0.06940196538344026,"num_words":60,"start":1381.17,"end":1415.5701},{"sentences":[{"text":"Yes.","start":1423.715,"end":1424.215,"sentiment":"neutral","sentiment_score":0.10495631396770476},{"text":"100%.","start":1429.315,"end":1430.375,"sentiment":"neutral","sentiment_score":0.2526843547821045},{"text":"Well, there's a lot of things.","start":1465.47,"end":1466.75,"sentiment":"neutral","sentiment_score":-0.008502096869051456},{"text":"It's just a matter of getting in yeah.","start":1466.75,"end":1469.55,"sentiment":"neutral","sentiment_score":-0.02415004139766097},{"text":"We just wanna kinda get ourselves in a better position first because that's our business was liquidated, and we haven't heard anything about that.","start":1469.55,"end":1482.605,"sentiment":"neutral","sentiment_score":-0.060333503410220146}],"sentiment":"neutral","sentiment_score":-0.03336440813727677,"num_words":40,"start":1423.715,"end":1482.605},{"sentences":[{"text":"Yeah.","start":1486.37,"end":1486.53,"sentiment":"neutral","sentiment_score":-0.021132178604602817},{"text":"So we just kinda yeah.","start":1486.53,"end":1488.29,"sentiment":"neutral","sentiment_score":-0.01795356497168541},{"text":"We do wanna do all these things, but we're still trying to make sure that we're in a a decent position just in case something decides to bite us on the 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much.","start":1817.775,"end":1818.835,"sentiment":"positive","sentiment_score":0.5449269637465477}],"sentiment":"neutral","sentiment_score":0.27812798388509286,"num_words":9,"start":1796.87,"end":1818.835},{"sentences":[{"text":"No.","start":1822.0299,"end":1822.2699,"sentiment":"neutral","sentiment_score":0.1309562921524048},{"text":"Thank you.","start":1822.2699,"end":1822.59,"sentiment":"positive","sentiment_score":0.39998582005500793},{"text":"You've been great.","start":1822.59,"end":1823.49,"sentiment":"positive","sentiment_score":0.6543562213579813},{"text":"You too.","start":1830.0299,"end":1830.59,"sentiment":"neutral","sentiment_score":0.32432040572166443},{"text":"Thanks, love.","start":1830.59,"end":1831.4099,"sentiment":"positive","sentiment_score":0.6182630360126495}],"sentiment":"positive","sentiment_score":0.47791634798049926,"num_words":10,"start":1822.0299,"end":1831.4099},{"sentences":[{"text":"Bye.","start":1833.07,"end":1833.57,"sentiment":"neutral","sentiment_score":0.1022384762763977}],"sentiment":"neutral","sentiment_score":0.1022384762763977,"num_words":1,"start":1833.07,"end":1833.57}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Mora speaking.\n\nChannel 0: Hi, Moana. It's Tommy here, senior adviser from Oakview. How are you doing?\n\nChannel 1: I'm good. How are you?\n\nChannel 0: I'm doing fantastic. It's a cool, beautiful day on the Gold Coast. What about your end?\n\nChannel 1: Great. It's the same. It's sunny, but it's not hot. It's it's a nice day today.\n\nChannel 0: That's what we love to hear. Easter weather is always perfect this time of year. I'm just giving you a call to go through your annual review.\n\nChannel 1: Yep. No worries.\n\nChannel 0: Perfect. Perfect. I do have just a quick security process to go through with you, and then I'm gonna send out your review pack for today. Are\n\nChannel 1: Yes.\n\nChannel 0: you okay for the call to be recorded?\n\nChannel 1: That's fine.\n\nChannel 0: Amazing. And just for the security of your information, I am registered with ASIC as adviser 1273105. Are you okay to confirm your date of birth and address, please?\n\nChannel 1: Date of birth is the '92, and address is Number 3 Thompson Street, Boulder 6432.\n\nChannel 0: Perfect. And I must apologize you did have a client password on file that I was supposed to just use, which is your mother's maiden name. Would you like me to leave that on there for future calls?\n\nChannel 1: Yeah. Leave that on there. That's all good.\n\nChannel 0: Perfect. Perfect. Perfect. So I've got your email coming through to your@live.com email. Are you able\n\nChannel 1: Yep.\n\nChannel 0: to look on to that with me today, or do you want me to just kind of explain what's there?\n\nChannel 1: I can look on, but I'm I'm doing a bit of baking. So if you could just explain\n\nChannel 0: Hey. No.\n\nChannel 1: it, that\n\nChannel 0: That's\n\nChannel 1: would\n\nChannel 0: okay.\n\nChannel 1: be great.\n\nChannel 0: I'll walk you through everything. Just make sure you have a little bit of a look before you sign anything and call back with any questions you might have, if that's okay.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Perfect. So what I'm shooting through to you now, just so you know what's there, is, like, a performance summary for your hub twenty four, updated financial services guide with Oakview Financial, just license details, complaints, procedure, what we can and can't give advice on,\n\nChannel 1: Yes.\n\nChannel 0: and our updated services guide. You don't have any, like, insurances or anything. There's no certificates coming along with that. And there is also a bit of a a service agreement there as well if you're comfortable to remain a client with us after this\n\nChannel 1: Yep.\n\nChannel 0: review. So I'll pop that through to you now. Please bear in mind, we have just switched into a new system. We kind of custom built it for Oakview. Much better to track everything going on with you, the advice that you need and everything.\n\nBut the\n\nChannel 1: Yep.\n\nChannel 0: emails, like DocuSign style, that may come through to your spam box, or it may come through to your main inbox just for the first one.\n\nChannel 1: Okay. Yep. No worries at all. I just heard them through.\n\nChannel 0: Cool. Now definitely don't tell anything just yet. We'll go through all of your situation first, make sure we are comfortable with everything first, and then we're good to go.\n\nChannel 1: Yep.\n\nChannel 0: Is there anything in particular you would like to get out of this year's review?\n\nChannel 1: Yes. It's been a pretty weird year.\n\nChannel 0: Are you talking about the world or more personally?\n\nChannel 1: All around.\n\nChannel 0: Yeah. Pretty weird.\n\nChannel 1: Yeah. No. We\n\nChannel 0: And I know\n\nChannel 1: we shut the business we shut our business down at the end of last financial year. And\n\nChannel 0: Now was that Tintin Secure?\n\nChannel 1: yes.\n\nChannel 0: Oh, wow. That shut down. So what what have you switched into now?\n\nChannel 1: I was working from Northern Star. I made a bit of a boomer and ended up getting fired, but, oh, well, shit\n\nChannel 0: Oh,\n\nChannel 1: happens.\n\nChannel 0: no. It does.\n\nChannel 1: But I got a new job with Evolution, and I should start next week. So\n\nChannel 0: Oh, wow. Okay. Evolution is the new job.\n\nChannel 1: yeah.\n\nChannel 0: What what did you get with them?\n\nChannel 1: Sorry?\n\nChannel 0: What did you get with them in terms of role?\n\nChannel 1: Oh, I drive I'm going back to driving trucks underground. When I was with Northern Star, I was the underground man.\n\nChannel 0: Oh my gosh.\n\nChannel 1: So I\n\nChannel 0: That is\n\nChannel 1: looked\n\nChannel 0: quite\n\nChannel 1: after\n\nChannel 0: a change.\n\nChannel 1: all\n\nChannel 0: I think\n\nChannel 1: of\n\nChannel 0: we\n\nChannel 1: the\n\nChannel 0: had you\n\nChannel 1: explosives.\n\nChannel 0: as a office manager back in the day. So now you're driving explosives in a truck?\n\nChannel 1: I was at my last site. I'll just be driving dirt out of the hole at my new site, which\n\nChannel 0: Alright.\n\nChannel 1: will be more money.\n\nChannel 0: Out of the hole. And do you have an idea about, like, yearly salary, yearly income once you average it out? Do you have a bit of an estimate?\n\nChannel 1: I have exact the exact amount if you'd like.\n\nChannel 0: Amazing. That would be fantastic. And that's underground mining, isn't it? Because they're driving\n\nChannel 1: Yes.\n\nChannel 0: it out of the hole. Wow. Amazing. Are they gonna put you on a bit of a two on, two off type roster, or what's\n\nChannel 1: So\n\nChannel 0: the\n\nChannel 1: it's still enough. So week on week off.\n\nChannel 0: week on, week off? And while you're there, you're pretty much gonna be driving trucks the the whole time.\n\nChannel 1: Yep.\n\nChannel 0: Alright. That would count as a bit of, like, a full time contract. Correct?\n\nChannel 1: Yes. Yes. Are they now?\n\nChannel 0: Closing.\n\nChannel 1: So many bloody emails.\n\nChannel 0: Yeah. I heard the same thing about three times today. I'm I'm the same. There's hundreds of emails, but then there's also 30 replies in the chain. I just can't find anything at the moment.\n\nAnd just while you're grabbing that up as well, so Thompson Street, Boulder, that's the same address. Your live email is\n\nChannel 1: Yes.\n\nChannel 0: still correct. So no\n\nChannel 1: Yep.\n\nChannel 0: new postal address or anything?\n\nChannel 1: No.\n\nChannel 0: Perfect. And we had you engaged the last time we spoke, I believe, as well.\n\nChannel 1: Yes.\n\nChannel 0: Yep. And two dependent children under the age of 18 around about 13 and 11.\n\nChannel 1: Alright. The 15 and 12, Mason's just turned 12, and Bailey's actually about to turn 14.\n\nChannel 0: Alright.\n\nChannel 1: Alright. I just found that so total salary for the year, including superannuation on my base rate,\n\nChannel 0: Yep.\n\nChannel 1: will be $109,155.20.\n\nChannel 0: Now was that 55 or 65? Because it just cut out.\n\nChannel 1: $5.05.\n\nChannel 0: $5.05.\n\nChannel 1: Yep.\n\nChannel 0: $1.00 $9.05 5 including super on base. And have they already talked to you about potential to do a lot of OT on the top of that and earn above?\n\nChannel 1: No. They haven't. There will always be an option to do that, though. But they Evolution offers what Northern Star didn't. They actually do quarterly bonuses as well at a minimum of 12.56.\n\nYep.\n\nChannel 0: Quarterly bonuses, 12.5% minimum. Amazing. That's so cool. Congratulations.\n\nChannel 1: Thank you.\n\nChannel 0: The Northern Star was never meant to be, and it led the path to your next one.\n\nChannel 1: With definitely a learning ground.\n\nChannel 0: Absolutely. I don't see too much else has changed. Just gonna quickly check your assets and liabilities. We had your home valued at about $280,000 owing 80.\n\nChannel 1: Okay. So, actually, I can try here. So we haven't had it formally evaluated, but it reckons it's now estimated value is 360.\n\nChannel 0: Okay. Fantastic.\n\nChannel 1: And currently, much did it say we owe?\n\nChannel 0: About 80,000.\n\nChannel 1: Yeah. No. We had to withdraw off the house for a little bit there. So yeah. No.\n\nThat's right.\n\nChannel 0: Cool. So 80 still sounds about on the money?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. We had a $6,000 motor vehicle and a couple $100 on a Zip account.\n\nChannel 1: Zip Zip account, nothing. And I now own my Hilux, which is who knows what they value at these days, but I'd say roughly about 25.\n\nChannel 0: 25 fully owned. Fantastic. Love a good Hilux. And do you have anything in I know you you're doing a bit of, like, redraw you mentioned. Do you have anything in, like, a emergency fund savings off to the side?\n\nChannel 1: How did yeah. How did he control that? Because if I said I send it, I'm really bad about that.\n\nChannel 0: Yep. Totally fair. So there's a bit of savings there. And do you have any other assets or loans, any shares, crypto, anything like that?\n\nChannel 1: No. I don't have any shares. I've just been paid out my shares from Northern Star, which was used as a really, like, $37.\n\nChannel 0: Yep. Oh, no.\n\nChannel 1: It says no. It has their cards there. Actually, I actually talked to Harvey. I'm not sure if he's put the if he's put the old car on his side.\n\nChannel 0: Okay. Yep. So for now, leave the Hilux with you, and that's it.\n\nChannel 1: Yeah. Yeah. Just do that.\n\nChannel 0: Yep. Easy done. And this one's a little bit new this year, but have you ever gone through, like, a bankruptcy or a part nine debt agreement before? It's like an insolvency question. No?\n\nPerfect. Awesome. And you don't have a will or power of attorney in place?\n\nChannel 1: No. I should really do that.\n\nChannel 0: Yeah. Absolutely. You wouldn't believe I've had that conversation maybe four times a day at the moment. And\n\nChannel 1: Yep.\n\nChannel 0: I think one of the the easy little tips I can give you, which may help, is you've got three easy options. So you can talk to a solicitor, of course, and how long is a piece of string for how much you might get charged there.\n\nChannel 1: Yep.\n\nChannel 0: The public trustee of every state also does appointments. Like, you know, at the courthouse, they can do appointments for wills and power of attorney there as well.\n\nChannel 1: Yep.\n\nChannel 0: And the third one is Australia Post actually has basic government approved will kits and power\n\nChannel 1: I\n\nChannel 0: of\n\nChannel 1: did\n\nChannel 0: attorney\n\nChannel 1: see\n\nChannel 0: kits\n\nChannel 1: that,\n\nChannel 0: for\n\nChannel 1: actually.\n\nChannel 0: about $25 a pop.\n\nChannel 1: I did see that.\n\nChannel 0: They're good for, like, getting a basic setup. If you were trying to set up, like, a family trust or something, probably not the best, but it does help kind of get something simple in place and in writing.\n\nChannel 1: Actually, can I, at a different date, doesn't need to be today, have a chat about making a family trust?\n\nChannel 0: Of course. Absolutely can. And just so I can take down a couple of notes for that future conversation, what are you thinking when it comes to Family Trust?\n\nChannel 1: It's not so much for myself. It's more for my partner and his cousins.\n\nChannel 0: Yep.\n\nChannel 1: So there's quite a bit of shared land back in New Zealand. Yep. And it's been the root cause of every family argument for\n\nChannel 0: Yep.\n\nChannel 1: god knows how long.\n\nChannel 0: That's always the case.\n\nChannel 1: So yeah. 100%. And it's always going to be the case, but we're thinking if we put a trust in place with clear clear outlines of everything,\n\nChannel 0: Yeah.\n\nChannel 1: then there'll be less of an argument.\n\nChannel 0: It definitely helps keep things in writing for beneficiaries\n\nChannel 1: Yep.\n\nChannel 0: who controls the assets, under what provisions that can do it. The only thing that I'm not an expert on is cross country family trust.\n\nChannel 1: Oh,\n\nChannel 0: I\n\nChannel 1: no.\n\nChannel 0: know\n\nChannel 1: Just wanting an outline of how they work, what's needed for them. Yeah. Just a little outline, really.\n\nChannel 0: yeah. Absolutely. Do you have many contacts back in New Zealand in terms of, like, lawyers, accountants, things like that by any chance?\n\nChannel 1: No. Both Kane and I have been out of New Zealand since, what, 2008, 2010?\n\nChannel 0: Yep. So the only thing I can think of is that when it comes to, like, Australian ones, accountants can help set up the entities. When it comes to set up a trust, set up a company, that's what they kind of specialize in. Lawyers are your best bet when it comes to carefully planning the legal side around\n\nChannel 1: Yes.\n\nChannel 0: who can and can't control assets and how it gets passed down in an estate\n\nChannel 1: Okay.\n\nChannel 0: planning sense as well.\n\nChannel 1: Yep.\n\nChannel 0: Advisors, we're kind of the the middle guy. We talk about strategy. You know, there's all these things about income splitting in a family trust and\n\nChannel 1: Yep.\n\nChannel 0: how the government's changing the legislation to try and tax that and all that kind of thing. So we slot\n\nChannel 1: I love\n\nChannel 0: in the middle of a bit of a network, but lawyers and accountants are fantastic at that side of things, especially\n\nChannel 1: life.\n\nChannel 0: if\n\nChannel 1: Okay.\n\nChannel 0: it's messy family relations.\n\nChannel 1: It's just outside of that. I think they are entitled to shit, but yeah.\n\nChannel 0: Yep. No. It's a story as old as time, and the more and more that the baby boomer generation goes along, their assets are being fought over when they pass away. I have a\n\nChannel 1: Yep.\n\nChannel 0: lot of clients from New Zealand who have land back home, and it's just a constant constant conversation. I wish I\n\nChannel 1: Yep.\n\nChannel 0: could do a little bit more to help there, but, yeah, just seeking some professional guidance and and chatting around between a few different professions might give you some good ideas.\n\nChannel 1: Yeah. No. Definitely. Especially because it's Maori land, so it's not it's not Crown land.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Yes.\n\nChannel 0: What about your beneficiary for the super? I did notice that it wasn't actually up to date at the moment. Were you wanting\n\nChannel 1: Oh.\n\nChannel 0: originally to try and put your your partner on there, or what was your thinking when it comes to who\n\nChannel 1: Yeah.\n\nChannel 0: the super\n\nChannel 1: Yeah.\n\nChannel 0: goes?\n\nChannel 1: We'll just put Kate on there.\n\nChannel 0: Cool. So what I will do is I will send out a beneficiary form. Because it's a legal document, you do have to, like, wet sign it and get\n\nChannel 1: Oh,\n\nChannel 0: a witness.\n\nChannel 1: okay. Yep. Yep.\n\nChannel 0: So we've got really cool instruction pages over the front, which will tell you exactly\n\nChannel 1: Yep.\n\nChannel 0: how to do it. Just to kind of briefly explain it now while I've got you, you can choose two things when it comes to a beneficiary. You can choose whether you want it to expire or not so it can lapse after three years or just continue on until you change it. Do you have a preference there?\n\nChannel 1: I just continue on until I change it.\n\nChannel 0: Perfect. So that's called a non lapsing, and there's, like, a little tick box for it. And the other one is, do you want it to be legally binding or not legally binding, which is a strange question,\n\nChannel 1: Yep.\n\nChannel 0: but it basically means the super\n\nChannel 1: That\n\nChannel 0: fund\n\nChannel 1: it can't\n\nChannel 0: can have\n\nChannel 1: be contested.\n\nChannel 0: discretion. Yeah. So you can make a the most common is nonlapsing binding. So it doesn't expire, and it holds up in court.\n\nChannel 1: Yep.\n\nChannel 0: K?\n\nChannel 1: Q n. One moment.\n\nChannel 0: I will note that down, and we can. Would it be helpful if we kind of prefilled some of the forms for you, or are you happy just to kind of read through and and fill in Kane's details?\n\nChannel 1: I'm not finished a little out. That's no worries. I'm as I said, I'm not working at the moment, so that's all good.\n\nChannel 0: Perfect. Any questions at all? Just call that 1300, and the team can walk you through it in two minutes flat. Amazing. Outside of that, now we don't have any insurances in place as far as I can see.\n\nYou have just gone to a new role underground mining, which is very difficult to get insurances. I did just wanna ask the question about whether you wanted me to investigate any life disability, income protection, or trauma insurance for you this year.\n\nChannel 1: No. That's alright. I'll get that as part of my employment package.\n\nChannel 0: Perfect. Once we catch up again in the future, we'll probably ask you about that. And if we can get any details about what they cover you for just to keep on file, that would be lovely.\n\nChannel 1: Yep.\n\nChannel 0: I will make a note of it for now just so that the team's aware.\n\nChannel 1: Cute.\n\nChannel 0: Perfect. Now when it comes to the super, nice and easy. If you recall, we put you into a Hub 24 Superfund in their Discover menu. So Hub has\n\nChannel 1: Yep.\n\nChannel 0: three menus. You've got Discover to start off, nice and low fees when you've got a lower balance. Then as you get up higher, you can move into their core menu, more investment options, and then their Choice menu, which has apparently the most options in the entire country, which is fantastic. So it's perfect. It'll give you a lot of flexibility for when you've got a let's say you've got a 100,000.\n\nYou pay an extra flat fee to get access to all the other options, but then it means that we can build pretty much anything for you. So it kind of grows as you grow. Does that make sense?\n\nChannel 1: Yes. Yeah. Right.\n\nChannel 0: Yep.\n\nChannel 1: Perfect.\n\nChannel 0: Now when it comes to the current one, now we've put you in a Vanguard high growth fund, which is just index funds, low fees, follows the market, and puts basically 90% of your super into growth assets, shares, property, gold, all that kind of thing, just to try and\n\nChannel 1: Mhmm.\n\nChannel 0: get you caught up there a little bit quicker. You don't really have a bad balance for your age, but now that you're gonna be earning this much with the new company while you're in high growth, both of them are gonna compound really well over the next sort of ten, twenty years.\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Now\n\nChannel 1: And\n\nChannel 0: I'm\n\nChannel 1: you\n\nChannel 0: just\n\nChannel 1: can\n\nChannel 0: gonna\n\nChannel 1: buy\n\nChannel 0: quickly\n\nChannel 1: it at a glove because it's just a little more expensive to use with kids.\n\nChannel 0: it's not too bad. Like, I have seen people that come through the door. 30,000 at 30 is kind of a bit average, and\n\nChannel 1: Yep.\n\nChannel 0: 42 or 33 is not too bad. It's only really a difference of, like, a year or two of strong growth and contributions. It's not that big of a a gap.\n\nChannel 1: What is the balance at the moment?\n\nChannel 0: Well, it's just shy of 42,000. You're sitting at $41.09 $6.09.\n\nChannel 1: Oh, yep. So just shy of $10 increase.\n\nChannel 0: Yeah. That's exactly right. I've got the performance that I'll shoot through to you. I'm gonna actually regenerate a performance figure as of today just so I've got the most up to date for you. And let me have a quick look.\n\nAmazing. This is what I like to see. Despite the stock market going down the way it has, you've still cleared just under a 15% return net of fees. So you've put in, let's say, around 8,000 ish, and it's had a total growth on top of that of about 5,500 net of fees as well. So that's doing its thing.\n\nWhen it comes to these high growth index funds, basically, we want you to average out at around about 10% or above over a long period of time. So\n\nChannel 1: Yeah.\n\nChannel 0: some good years, it'll go up ten, twenty, 30. In the bad years, it may go down ten, twenty, 30. Usually, what tends to happen is every seven years, stock market goes up a bunch and then crashes, goes up and crashes. And you probably know the drill on the news. There's a financial crisis, COVID, war in Iran, something kind\n\nChannel 1: Yep.\n\nChannel 0: of shocks the world every seven years or so on average, give or take.\n\nChannel 1: Yep.\n\nChannel 0: The main plan for you is contributions go in. It's an index fund, so it follows everything very closely. And anytime it dips, we get to use that as a bit of a buying opportunity. Contributions come in. All the properties and shares and gold go down.\n\nWe can just buy more of them without selling them. And then when your\n\nChannel 1: Yep.\n\nChannel 0: super funds goes up, you get those high returns on the way back up again.\n\nChannel 1: Yep.\n\nChannel 0: Now we obviously don't wanna keep you high growth when you're 64 because you probably don't wanna lose half your super a year before you go to live off of it. So at some point, it's like, build it now and then protect it when you're close to retirement. Does that make sense?\n\nChannel 1: Makes perfect sense.\n\nChannel 0: Yep. So for now, our main plan for you at the moment is keep building up this balance with the low fee menu and hub. Let your contributions go in. Do you need anything in terms of SGC forms to give to your payroll at the new place?\n\nChannel 1: No. I already had copies from when I went to Northern Star, so\n\nChannel 0: Yep.\n\nChannel 1: that's all sorted.\n\nChannel 0: Perfect. Perfect. Fantastic. Once we get you up to somewhere between 60 and 80,000, we may then look up moving you up to the core menu of Hub where we've got some better portfolios in there. And then once\n\nChannel 1: Yep.\n\nChannel 0: you're over a 100,000, we could probably look at that choice menu as well. So we're just gonna kind of progress you in three stages.\n\nChannel 1: Yep.\n\nChannel 0: Do you wanna look at any kind of salary sacrifice into super? Or, really, the main question is, what will you be doing with your cash flow at the new job? Are you saving for anything in particular? What's the plan?\n\nChannel 1: Yeah. We wanna get a couple trips and over the next couple of years just because having a business, you can't go on trips because you have to be there to run the bloody business.\n\nChannel 0: Long overdue, isn't it?\n\nChannel 1: 100%. One holiday in a year in eleven years is not enough.\n\nChannel 0: Yeah. So what are we thinking holiday wise? We're going back to New Zealand a couple of times? We're going abroad, internally in Australia?\n\nChannel 1: Heading to Raleigh at the end of the year. I would really love to do a New Zealand trip next year, but I'm also thinking about because the company also offers Novated Leasing.\n\nChannel 0: Oh,\n\nChannel 1: So I'm also thinking about getting a new car.\n\nChannel 0: okay. Novated lease and a new car. Now when you go to Bali or New Zealand,\n\nChannel 1: To\n\nChannel 0: how much will that cost you these days?\n\nChannel 1: be honest,\n\nChannel 0: We're talking\n\nChannel 1: I\n\nChannel 0: 5,\n\nChannel 1: wouldn't\n\nChannel 0: 10, 20,\n\nChannel 1: know.\n\nChannel 0: 30?\n\nChannel 1: The last time we went back in back to New Zealand was $20.17 for the four of us last minute flights. We didn't have to pay for accommodation, thankfully, and car hire and all of that cost us about $10.\n\nChannel 0: Yep. So is it okay if I\n\nChannel 1: Sorry.\n\nChannel 0: put down just an estimate of about 15 or so for each trip?\n\nChannel 1: I was just about to say, if you put down about 15, we'll probably be on the money.\n\nChannel 0: Yep. Perfect. Alright. So outside of that, you have the mortgage to finish off, some trips to go on to, and\n\nChannel 1: Yep.\n\nChannel 0: we do have some notes to try and get you to retire a bit earlier. So you can access your super at 60. The age pension is 67. And\n\nChannel 1: Yes.\n\nChannel 0: are you still of that mind of let's go out as quick as we can so I can retire as early as I can?\n\nChannel 1: 100%.\n\nChannel 0: 100%. Perfect. So that makes our job very straightforward. We just continuously update your portfolio and try and make sure it's on track for what it needs to be returning. You do your thing with work and pay off the mortgage.\n\nAnd if there's anything else that you would like to look at along the way, whether it comes to trust discussions, estate planning, or even investing, we can definitely sort of swing into different areas of advice as you might need. Is there anything that you think you might wanna look at over the next five years?\n\nChannel 1: Well, there's a lot of things. It's just a matter of getting in yeah. We just wanna kinda get ourselves in a better position first because that's our business was liquidated, and we haven't heard\n\nChannel 0: Yep.\n\nChannel 1: anything about that.\n\nChannel 0: Oh, so you still gotta kind of play through the\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: So\n\nChannel 0: end\n\nChannel 1: we\n\nChannel 0: of\n\nChannel 1: just kinda yeah. We do wanna do all these things, but we're still trying to make sure that we're in a a decent position just in case something decides to bite us on the butt.\n\nChannel 0: Yeah. Absolutely. That's a good thing to keep an eye on is just keep your your savings high and make sure all of that's settled before\n\nChannel 1: Yep.\n\nChannel 0: you dive into too many other things.\n\nChannel 1: Yeah. We do wanna get a bigger house too because three bedrooms with teenage kids who constantly bring their kids friends with their friends\n\nChannel 0: Yeah.\n\nChannel 1: around. It's it's a bit tight.\n\nChannel 0: Yep. We're we're looking for the four bedroom now.\n\nChannel 1: Yep.\n\nChannel 0: After that, I'm just making a few notes that, basically, what the main thing is is just transition into work, finalize liquidation of the business, grow your savings,\n\nChannel 1: Yep.\n\nChannel 0: go on a couple of trips, upgrade your home, retire early, and upgrade your car.\n\nChannel 1: Yep.\n\nChannel 0: Awesome. Anything else that I have missed there?\n\nChannel 1: Alright.\n\nChannel 0: Perfect. Perfect.\n\nChannel 1: Cracking\n\nChannel 0: Perfect.\n\nChannel 1: the egg. Bacon\n\nChannel 0: And if you don't mind me asking, what are you you're baking at the moment? Just we talking cakes, cookies?\n\nChannel 1: egg pie, some chocolate chip biscuits, and some banana muffins.\n\nChannel 0: Oh, well, I shouldn't have asked. I'm on late night tonight. I've still got a few hours to go, and I'm I'm starving already.\n\nChannel 1: Sorry. I should've said it was, something weird.\n\nChannel 0: No. That's okay. That sounds amazing. Alright. Now before I kind of finish up, is there any questions on your end so far?\n\nChannel 1: No. I'm pretty good at the moment. If I didn't have Harvey with me, I'd probably be third. But, anyway, he's pretty on-site. He keeps me he keeps me in check money wise.\n\nChannel 0: Perfect. Perfect. Look. There's always two, and they always tend to kind of play off each other. I do the same thing for my wife, so it's always good to have.\n\nIf you don't mind me asking, is your partner a client of ours as well? Or\n\nChannel 1: Yes. Yes. He's actually the one who got me on to you guys.\n\nChannel 0: okeydoke. So I just wanna do my due diligence and double check that I've sent you the right agreement before you tick anything. So bear with me for two seconds\n\nChannel 1: Alright.\n\nChannel 0: because we have a the partner's fee discount, and I just wanna make sure that's been applied. Yes. It has. So, normally, we would charge 1.65%. You are down to the partner's discount of 1.1.\n\nWhen you\n\nChannel 1: Yep.\n\nChannel 0: go above 600,000 in your super, which sounds crazy, it does actually cap as a flat fee at that point because we do have clients that get to a million, 2,000,000, and it can be quite excessive. You can't charge $40,000 for the same service. We're good, but\n\nChannel 1: Yes.\n\nChannel 0: there has to be a limit. But over the years, because of you being on 6 figures high growth, it wouldn't be surprising for you to be going to a million, million and a half, 2,000,000, that kind of thing. Most people in our generations who are six figures early are going to be hitting some pretty high figures in their super, especially with 12% going in now and especially on a will you be getting paid weekly, fortnightly, or monthly?\n\nChannel 1: Yep. Fortnightly.\n\nChannel 0: Fortnightly. So the cool thing is they've changed the legislation to make it fortnightly in line with your pay cycle for the super contributions. So that way, you don't have to wait three months for it to go in. It goes in with your pay, and that means it gets invested quicker, invested for longer, and that's gonna really help us as well. Our main problem is gonna be in thirty years' time, the cost of living and inflation.\n\nSo even if you've got a\n\nChannel 1: Yes.\n\nChannel 0: million million of super, if a 100,000 buys bugger all in twenty years' time compared to what it does now, we do have to compensate for that and get you a little bit of extra growth as well.\n\nChannel 1: Yep. No. That's understandable. It's the white cookie combos.\n\nChannel 0: It is, but that's why we we keep an eye and we pivot and we do what we can and we invest because how long would it take anybody to save a million dollars in their bank account? Probably take them a lifetime, and\n\nChannel 1: Yep.\n\nChannel 0: it's pretty hard to do. Alright.\n\nChannel 1: For sure.\n\nChannel 0: When you do go through that email, you will have attachments like a normal email, like PDF attachments with all of your reports and everything. And\n\nChannel 1: Yep.\n\nChannel 0: then the actual blue link is to go in and sign the service agreement itself where you can download a signed copy. So I did wanna ask you, Moana, are you still comfortable for us to remain your advisers?\n\nChannel 1: Yes. Yes. Absolutely.\n\nChannel 0: Amazing. That pretty much wraps up the review for the time being. Do you want me to put in any kind of quarterly or six monthly contact with you to go through any changes or potential advice, or do you are you happy just to wait for the next annual review and call in as\n\nChannel 1: Yeah. It\n\nChannel 0: needed?\n\nChannel 1: looks Yes. Yes. No. That's absolutely fine. I'm horrible answering my phone.\n\nYeah.\n\nChannel 0: That's perfectly fine. So we'll still keep sending through details and changes and making updates. And if you're that way inclined, you can check out the videos we're starting to do on our website about the economy and everything. But if not, please call in if there's been any major changes or anything that you guys need or would like to talk\n\nChannel 1: Yes.\n\nChannel 0: about.\n\nChannel 1: Yeah. No worries. Thank you very much.\n\nChannel 0: Awesome, Anna. Any last questions for me before I let you go?\n\nChannel 1: No. Thank you. You've been great.\n\nChannel 0: Awesome. I will talk to you soon. If you have any questions, call back, and have a fantastic week.\n\nChannel 1: You too. Thanks, love.\n\nChannel 0: Thank you. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":2.08,"end":2.3999999,"sentiment":"neutral","sentiment_score":0.03956784307956696},{"text":"Mora speaking.","start":2.3999999,"end":3.22,"sentiment":"neutral","sentiment_score":0.034483762457966805}],"sentiment":"neutral","sentiment_score":0.03617845599850019,"channel":1,"num_words":3,"start":2.08,"end":3.22},{"sentences":[{"text":"Hi, Moana.","start":3.6,"end":4.4,"sentiment":"neutral","sentiment_score":0.12468680739402771},{"text":"It's Tommy here, senior adviser from Oakview.","start":4.4,"end":6.48,"sentiment":"neutral","sentiment_score":0.1292909181543759},{"text":"How are you doing?","start":6.48,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.175766933709383}],"sentiment":"neutral","sentiment_score":0.14288290590047836,"channel":0,"num_words":13,"start":3.6,"end":7.2999997},{"sentences":[{"text":"I'm 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80.","start":467.725,"end":472.385,"sentiment":"neutral","sentiment_score":-0.02138706874102354}],"sentiment":"neutral","sentiment_score":-0.02789746997533021,"channel":0,"num_words":27,"start":458.97998,"end":472.385},{"sentences":[{"text":"Okay.","start":473.28998,"end":473.69,"sentiment":"neutral","sentiment_score":0.005639915354549885},{"text":"So, actually, I can try here.","start":473.69,"end":476.27,"sentiment":"neutral","sentiment_score":0.013681707282861074},{"text":"So we haven't had it formally evaluated, but it reckons it's now estimated value is 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80,000.","start":512.33,"end":513.55,"sentiment":"neutral","sentiment_score":-0.005297469673678279}],"sentiment":"neutral","sentiment_score":-0.005297469673678279,"channel":0,"num_words":2,"start":512.33,"end":513.55},{"sentences":[{"text":"Yeah.","start":515.495,"end":515.735,"sentiment":"neutral","sentiment_score":-0.017543205991387367},{"text":"No.","start":515.735,"end":515.895,"sentiment":"neutral","sentiment_score":-0.06727366149425507},{"text":"We had to withdraw off the house for a little bit there.","start":515.895,"end":519.335,"sentiment":"neutral","sentiment_score":-0.07187881134450436},{"text":"So yeah.","start":519.335,"end":521.335,"sentiment":"neutral","sentiment_score":-0.02081857156008482},{"text":"No.","start":521.335,"end":521.495,"sentiment":"neutral","sentiment_score":-0.02990374155342579}],"sentiment":"neutral","sentiment_score":-0.05993549931137001,"channel":1,"num_words":17,"start":515.495,"end":521.495},{"sentences":[{"text":"That's 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that?","start":571.745,"end":576.64496,"sentiment":"neutral","sentiment_score":0.01733278123040994}],"sentiment":"neutral","sentiment_score":0.007752382480539381,"channel":0,"num_words":25,"start":568.785,"end":576.64496},{"sentences":[{"text":"No.","start":579.86,"end":580.1,"sentiment":"neutral","sentiment_score":-0.2684367597103119},{"text":"I don't have any shares.","start":580.1,"end":581.06,"sentiment":"neutral","sentiment_score":-0.2826023042201996},{"text":"I've just been paid out my shares from Northern Star, which was used as a really, like, $37.","start":581.06,"end":586.84,"sentiment":"neutral","sentiment_score":-0.14661179069015715}],"sentiment":"neutral","sentiment_score":-0.18001918805142245,"channel":1,"num_words":24,"start":579.86,"end":586.84},{"sentences":[{"text":"Yep.","start":586.72003,"end":587.12,"sentiment":"neutral","sentiment_score":0.002700431272387505},{"text":"Oh, 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there.","start":655.92,"end":661.7,"sentiment":"neutral","sentiment_score":0.13439289033412932}],"sentiment":"neutral","sentiment_score":0.18771543211125313,"channel":0,"num_words":47,"start":649.575,"end":661.7},{"sentences":[{"text":"Yep.","start":662.255,"end":662.755,"sentiment":"neutral","sentiment_score":0.13336458802223206}],"sentiment":"neutral","sentiment_score":0.13336458802223206,"channel":1,"num_words":1,"start":662.255,"end":662.755},{"sentences":[{"text":"The public trustee of every state also does appointments.","start":663.04,"end":666.72,"sentiment":"neutral","sentiment_score":0.1445242158240742},{"text":"Like, you know, at the courthouse, they can do appointments for wills and power of attorney there as 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$25 a pop.","start":681.50494,"end":683.1,"sentiment":"neutral","sentiment_score":0.10802462138235569}],"sentiment":"neutral","sentiment_score":0.10802462138235569,"channel":0,"num_words":4,"start":681.50494,"end":683.1},{"sentences":[{"text":"I did see that.","start":683.725,"end":684.945,"sentiment":"neutral","sentiment_score":0.18340473994612694}],"sentiment":"neutral","sentiment_score":0.18340473994612694,"channel":1,"num_words":4,"start":683.725,"end":684.945},{"sentences":[{"text":"They're good for, like, getting a basic setup.","start":685.66,"end":687.6,"sentiment":"neutral","sentiment_score":0.31118306517601013},{"text":"If you were trying to set up, like, a family trust or something, probably not the best, but it does help kind of get something simple in place and in 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to give to your payroll at the new place?","start":1273.83,"end":1279.77,"sentiment":"neutral","sentiment_score":0.05380590880910555}],"sentiment":"neutral","sentiment_score":0.1643694592639804,"channel":0,"num_words":48,"start":1262.985,"end":1279.77},{"sentences":[{"text":"No.","start":1280.875,"end":1281.375,"sentiment":"neutral","sentiment_score":-0.04698541760444641},{"text":"I already had copies from when I went to Northern Star, so","start":1281.4349,"end":1285.135,"sentiment":"neutral","sentiment_score":0.009483941830694675}],"sentiment":"neutral","sentiment_score":0.005140144951068438,"channel":1,"num_words":13,"start":1280.875,"end":1285.135},{"sentences":[{"text":"Yep.","start":1284.9751,"end":1285.4751,"sentiment":"neutral","sentiment_score":0.0667056292295456}],"sentiment":"neutral","sentiment_score":0.0667056292295456,"channel":0,"num_words":1,"start":1284.9751,"end":1285.4751},{"sentences":[{"text":"that's all 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once","start":1301.1699,"end":1301.73,"sentiment":"neutral","sentiment_score":0.17420325676600137}],"sentiment":"neutral","sentiment_score":0.20463396169436285,"channel":0,"num_words":39,"start":1286.7351,"end":1301.73},{"sentences":[{"text":"Yep.","start":1301.63,"end":1302.13,"sentiment":"neutral","sentiment_score":0.20266614854335785}],"sentiment":"neutral","sentiment_score":0.20266614854335785,"channel":1,"num_words":1,"start":1301.63,"end":1302.13},{"sentences":[{"text":"you're over a 100,000, we could probably look at that choice menu as well.","start":1301.73,"end":1305.73,"sentiment":"neutral","sentiment_score":0.2613563814333507},{"text":"So we're just gonna kind of progress you in three 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fine.","start":1797.88,"end":1799.16,"sentiment":"neutral","sentiment_score":0.10822718838850658},{"text":"So we'll still keep sending through details and changes and making updates.","start":1799.16,"end":1804.52,"sentiment":"neutral","sentiment_score":0.05640156473964453},{"text":"And if you're that way inclined, you can check out the videos we're starting to do on our website about the economy and everything.","start":1804.52,"end":1810.36,"sentiment":"neutral","sentiment_score":0.03422322062154611},{"text":"But if not, please call in if there's been any major changes or anything that you guys need or would like to talk","start":1810.36,"end":1815.965,"sentiment":"neutral","sentiment_score":-0.015104217616760212}],"sentiment":"neutral","sentiment_score":0.023797752125368964,"channel":0,"num_words":62,"start":1797.88,"end":1815.965},{"sentences":[{"text":"Yes.","start":1815.775,"end":1816.275,"sentiment":"neutral","sentiment_score":-0.0036985366605222225}],"sentiment":"neutral","sentiment_score":-0.0036985366605222225,"channel":1,"num_words":1,"start":1815.775,"end":1816.275},{"sentences":[{"text":"about.","start":1815.965,"end":1816.465,"sentiment":"neutral","sentiment_score":0.0019242167472839355}],"sentiment":"neutral","sentiment_score":0.0019242167472839355,"channel":0,"num_words":1,"start":1815.965,"end":1816.465},{"sentences":[{"text":"Yeah.","start":1817.055,"end":1817.295,"sentiment":"neutral","sentiment_score":0.06389428675174713},{"text":"No worries.","start":1817.295,"end":1817.775,"sentiment":"neutral","sentiment_score":0.1763077899813652},{"text":"Thank you very much.","start":1817.775,"end":1818.835,"sentiment":"positive","sentiment_score":0.5449269637465477}],"sentiment":"positive","sentiment_score":0.37088824595723835,"channel":1,"num_words":7,"start":1817.055,"end":1818.835},{"sentences":[{"text":"Awesome, Anna.","start":1818.9249,"end":1819.565,"sentiment":"positive","sentiment_score":0.4896073341369629},{"text":"Any last questions for me before I let you go?","start":1819.565,"end":1821.6649,"sentiment":"neutral","sentiment_score":0.20387973338365556}],"sentiment":"neutral","sentiment_score":0.25150100017587346,"channel":0,"num_words":12,"start":1818.9249,"end":1821.6649},{"sentences":[{"text":"No.","start":1822.0299,"end":1822.2699,"sentiment":"neutral","sentiment_score":0.1309562921524048},{"text":"Thank you.","start":1822.2699,"end":1822.59,"sentiment":"positive","sentiment_score":0.39998582005500793},{"text":"You've been great.","start":1822.59,"end":1823.49,"sentiment":"positive","sentiment_score":0.6543562213579813}],"sentiment":"positive","sentiment_score":0.4823327660560608,"channel":1,"num_words":6,"start":1822.0299,"end":1823.49},{"sentences":[{"text":"Awesome.","start":1823.9668,"end":1824.4468,"sentiment":"positive","sentiment_score":0.6770681738853455},{"text":"I will talk to you soon.","start":1824.4468,"end":1825.8868,"sentiment":"positive","sentiment_score":0.5800938606262207},{"text":"If you have any questions, call back, and have a fantastic week.","start":1825.8868,"end":1829.5868,"sentiment":"positive","sentiment_score":0.528399425248305}],"sentiment":"positive","sentiment_score":0.5525486547695962,"channel":0,"num_words":19,"start":1823.9668,"end":1829.5868},{"sentences":[{"text":"You too.","start":1830.0299,"end":1830.59,"sentiment":"neutral","sentiment_score":0.32432040572166443},{"text":"Thanks, love.","start":1830.59,"end":1831.4099,"sentiment":"positive","sentiment_score":0.6182630360126495}],"sentiment":"positive","sentiment_score":0.471291720867157,"channel":1,"num_words":4,"start":1830.0299,"end":1831.4099},{"sentences":[{"text":"Thank you.","start":1831.4868,"end":1832.0469,"sentiment":"positive","sentiment_score":0.4999239593744278},{"text":"Bye.","start":1832.0469,"end":1832.5469,"sentiment":"neutral","sentiment_score":0.22701244056224823}],"sentiment":"positive","sentiment_score":0.4089534531037013,"channel":0,"num_words":3,"start":1831.4868,"end":1832.5469},{"sentences":[{"text":"Bye.","start":1833.07,"end":1833.57,"sentiment":"neutral","sentiment_score":0.1022384762763977}],"sentiment":"neutral","sentiment_score":0.1022384762763977,"channel":1,"num_words":1,"start":1833.07,"end":1833.57}]},"summary":{"result":"success","short":"The speaker discusses the annual review process and sends a review pack to the customer's email. They also discuss the customer's new job and retirement plans. The speaker discusses their salary, assets, liabilities, and beneficiary preferences. They emphasize the importance of updating their home and partnering with the company before retirement, as well as their need for a monthly contact and updating their portfolio. They emphasize the importance of transitioning into work and updating their home before updating their current one."},"intents":{"segments":[{"text":"I do have just a quick security process to go through with you, and then I'm gonna send out your review pack for today. Are Yes.","start_word":85,"end_word":110,"intents":[{"intent":"Inquire about security","confidence_score":0.0024518915}]},{"text":"And just for the security of your information, I am registered with ASIC as adviser 1273105. Are you okay to confirm your date of birth and address, please? Date of birth is the '92, and address is Number 3 Thompson Street, Boulder 6432. Perfect.","start_word":122,"end_word":165,"intents":[{"intent":"Provide information","confidence_score":0.060203996}]},{"text":"Are you okay to confirm your date of birth and address, please?","start_word":138,"end_word":149,"intents":[{"intent":"Obtain information","confidence_score":0.00015525782},{"intent":"Confirm identity","confidence_score":0.083253786}]},{"text":"No worries. Perfect.","start_word":308,"end_word":310,"intents":[{"intent":"End conversation","confidence_score":0.003062677}]},{"text":"Actually, can I, at a different date, doesn't need to be today, have a chat about making a family trust?","start_word":1642,"end_word":1661,"intents":[{"intent":"Make a family trust","confidence_score":0.023558494}]},{"text":"And just so I can take down a couple of notes for that future conversation, what are you thinking when it comes to Family Trust?","start_word":1667,"end_word":1691,"intents":[{"intent":"Discuss family trust and provide legal context","confidence_score":3.0681484e-8},{"intent":"Gather information about families and their families","confidence_score":0.0000013710022}]},{"text":"Outside of that, now we don't have any insurances in place as far as I can see. You have just gone to a new role underground mining, which is very difficult to get insurances. I did just wanna ask the question about whether you wanted me to investigate any life disability, income protection, or trauma insurance for you this year. No.","start_word":2486,"end_word":2546,"intents":[{"intent":"Check insurance coverage","confidence_score":0.04074217}]},{"text":"I've got the performance that I'll shoot through to you. I'm gonna actually regenerate a performance figure as of today just so I've got the most up to date for you.","start_word":2975,"end_word":3005,"intents":[{"intent":"Update performance figures","confidence_score":0.019453645}]},{"text":"So for now, our main plan for you at the moment is keep building up this balance with the low fee menu and hub.","start_word":3316,"end_word":3339,"intents":[{"intent":"Increase balance and prepare for retirement","confidence_score":0.00004173284}]},{"text":"It has.","start_word":4348,"end_word":4349,"intents":[{"intent":"Qualify for discounts","confidence_score":0.0000302266}]},{"text":"So I did wanna ask you, Moana, are you still comfortable for us to remain your advisers? Yes.","start_word":4735,"end_word":4752,"intents":[{"intent":"Remain advisers","confidence_score":0.0393231}]},{"text":"Do you want me to put in any kind of quarterly or six monthly contact with you to go through any changes or potential advice, or do you are you happy just to wait for the next annual review and call in as Yeah.","start_word":4768,"end_word":4811,"intents":[{"intent":"Schedule quarterly and monthly contacts","confidence_score":0.00017779013}]},{"text":"And if you're that way inclined, you can check out the videos we're starting to do on our website about the economy and everything.","start_word":4841,"end_word":4864,"intents":[{"intent":"Check videos on website","confidence_score":0.0078811245}]},{"text":"And if you're that way inclined, you can check out the videos we're starting to do on our website about the economy and everything. But if not, please call in if there's been any major changes or anything that you guys need or would like to talk Yes. about.","start_word":4841,"end_word":4889,"intents":[{"intent":"Discuss economy","confidence_score":0.1291351}]},{"text":"about.","start_word":4889,"end_word":4889,"intents":[{"intent":"Discuss changes","confidence_score":0.021100486}]},{"text":"Any last questions for me before I let you go? No. Thank you.","start_word":4899,"end_word":4911,"intents":[{"intent":"Ask questions","confidence_score":0.115935445}]},{"text":"I will talk to you soon. If you have any questions, call back, and have a fantastic week. You too.","start_word":4916,"end_word":4935,"intents":[{"intent":"Wish good week","confidence_score":0.109021306}]}]},"sentiments":{"segments":[{"text":"Hello. Mora speaking. Hi, Moana. It's Tommy here, senior adviser from Oakview. How are you doing?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.11963251978158952},{"text":"I'm good.","start_word":16,"end_word":17,"sentiment":"positive","sentiment_score":0.4596267342567444},{"text":"How are you?","start_word":18,"end_word":20,"sentiment":"neutral","sentiment_score":0.32987281680107117},{"text":"I'm doing fantastic. It's a cool, beautiful day on the Gold Coast.","start_word":21,"end_word":32,"sentiment":"positive","sentiment_score":0.718887984752655},{"text":"What about your end?","start_word":33,"end_word":36,"sentiment":"neutral","sentiment_score":0.2436193525791168},{"text":"Great.","start_word":37,"end_word":37,"sentiment":"positive","sentiment_score":0.5135397911071777},{"text":"It's the same. It's sunny, but it's not hot.","start_word":38,"end_word":46,"sentiment":"neutral","sentiment_score":0.1824638396501541},{"text":"It's it's a nice day today. That's what we love to hear. Easter weather is always perfect this time of year.","start_word":47,"end_word":67,"sentiment":"positive","sentiment_score":0.6330580711364746},{"text":"I'm just giving you a call to go through your annual review. Yep. No worries.","start_word":68,"end_word":82,"sentiment":"neutral","sentiment_score":0.25844258069992065},{"text":"Perfect. Perfect.","start_word":83,"end_word":84,"sentiment":"positive","sentiment_score":0.4764947295188904},{"text":"I do have just a quick security process to go through with you, and then I'm gonna send out your review pack for today. Are Yes. you okay for the call to be recorded? That's fine.","start_word":85,"end_word":120,"sentiment":"neutral","sentiment_score":0.18813005089759827},{"text":"Amazing.","start_word":121,"end_word":121,"sentiment":"positive","sentiment_score":0.546144962310791},{"text":"And just for the security of your information, I am registered with ASIC as adviser 1273105. Are you okay to confirm your date of birth and address, please? Date of birth is the '92, and address is Number 3 Thompson Street, Boulder 6432. Perfect. And I must apologize you did have a client password on file that I was supposed to just use, which is your mother's maiden name. Would you like me to leave that on there for future calls? Yeah. Leave that on there.","start_word":122,"end_word":207,"sentiment":"neutral","sentiment_score":0.05329075828194618},{"text":"That's all good. Perfect. Perfect.","start_word":208,"end_word":212,"sentiment":"positive","sentiment_score":0.34802719950675964},{"text":"Perfect. So I've got your email coming through to your@live.com email. Are you able Yep. to look on to that with me today, or do you want me to just kind of explain what's there? I can look on, but I'm I'm doing a bit of baking. So if you could just explain Hey. No. it, that That's would okay.","start_word":213,"end_word":272,"sentiment":"neutral","sentiment_score":0.04161170870065689},{"text":"be great.","start_word":273,"end_word":274,"sentiment":"positive","sentiment_score":0.33505380153656006},{"text":"I'll walk you through everything. Just make sure you have a little bit of a look before you sign anything and call back with any questions you might have, if that's okay. Yeah. No worries. Perfect. So what I'm shooting through to you now, just so you know what's there, is, like, a performance summary for your hub twenty four, updated financial services guide with Oakview Financial, just license details, complaints, procedure, what we can and can't give advice on, Yes. and our updated services guide. You don't have any, like, insurances or anything. There's no certificates coming along with that. And there is also a bit of a a service agreement there as well if you're comfortable to remain a client with us after this Yep. review. So I'll pop that through to you now. Please bear in mind, we have just switched into a new system. We kind of custom built it for Oakview. Much better to track everything going on with you, the advice that you need and everything. But the Yep. emails, like DocuSign style, that may come through to your spam box, or it may come through to your main inbox just for the first one. Okay. Yep. No worries at all. I just heard them through.","start_word":275,"end_word":486,"sentiment":"neutral","sentiment_score":0.09364040505211307},{"text":"Cool.","start_word":487,"end_word":487,"sentiment":"positive","sentiment_score":0.49185460805892944},{"text":"Now definitely don't tell anything just yet.","start_word":488,"end_word":494,"sentiment":"neutral","sentiment_score":0.2069644182920456},{"text":"We'll go through all of your situation first, make sure we are comfortable with everything first, and then we're good to go.","start_word":495,"end_word":516,"sentiment":"positive","sentiment_score":0.3364437222480774},{"text":"Yep. Is there anything in particular you would like to get out of this year's review? Yes. It's been a pretty weird year. Are you talking about the world or more personally? All around. Yeah. Pretty weird. Yeah. No. We And I know we shut the business we shut our business down at the end of last financial year. And Now was that Tintin Secure? yes. Oh, wow. That shut down. So what what have you switched into now? I was working from Northern Star. I made a bit of a boomer and ended up getting fired, but, oh, well, shit Oh, happens. no. It does. But I got a new job with Evolution, and I should start next week. So Oh, wow. Okay. Evolution is the new job. yeah. What what did you get with them? Sorry? What did you get with them in terms of role? Oh, I drive I'm going back to driving trucks underground. When I was with Northern Star, I was the underground man. Oh my gosh. So I That is looked quite after a change. all I think of we the had you explosives. as a office manager back in the day. So now you're driving explosives in a truck? I was at my last site. I'll just be driving dirt out of the hole at my new site, which Alright. will be more money. Out of the hole. And do you have an idea about, like, yearly salary, yearly income once you average it out? Do you have a bit of an estimate? I have exact the exact amount if you'd like.","start_word":517,"end_word":785,"sentiment":"neutral","sentiment_score":-0.03342077174296665},{"text":"Amazing. That would be fantastic.","start_word":786,"end_word":790,"sentiment":"positive","sentiment_score":0.6391081809997559},{"text":"And that's underground mining, isn't it? Because they're driving Yes. it out of the hole. Wow.","start_word":791,"end_word":806,"sentiment":"neutral","sentiment_score":0.09370484203100204},{"text":"Amazing.","start_word":807,"end_word":807,"sentiment":"positive","sentiment_score":0.3392719030380249},{"text":"Are they gonna put you on a bit of a two on, two off type roster, or what's So the it's still enough. So week on week off. week on, week off? And while you're there, you're pretty much gonna be driving trucks the the whole time. Yep. Alright. That would count as a bit of, like, a full time contract. Correct? Yes. Yes. Are they now? Closing. So many bloody emails. Yeah. I heard the same thing about three times today. I'm I'm the same. There's hundreds of emails, but then there's also 30 replies in the chain. I just can't find anything at the moment. And just while you're grabbing that up as well, so Thompson Street, Boulder, that's the same address. Your live email is Yes. still correct. So no Yep. new postal address or anything? No. Perfect. And we had you engaged the last time we spoke, I believe, as well. Yes. Yep. And two dependent children under the age of 18 around about 13 and 11. Alright. The 15 and 12, Mason's just turned 12, and Bailey's actually about to turn 14. Alright. Alright. I just found that so total salary for the year, including superannuation on my base rate, Yep. will be $109,155.20. Now was that 55 or 65? Because it just cut out. $5.05. $5.05. Yep. $1.00 $9.05 5 including super on base. And have they already talked to you about potential to do a lot of OT on the top of that and earn above? No. They haven't. There will always be an option to do that, though. But they Evolution offers what Northern Star didn't. They actually do quarterly bonuses as well at a minimum of 12.56. Yep. Quarterly bonuses, 12.5% minimum.","start_word":808,"end_word":1098,"sentiment":"neutral","sentiment_score":0.004083724822080934},{"text":"Amazing. That's so cool. Congratulations. Thank you.","start_word":1099,"end_word":1105,"sentiment":"positive","sentiment_score":0.7236356139183044},{"text":"The Northern Star was never meant to be, and it led the path to your next one. With definitely a learning ground. Absolutely. I don't see too much else has changed. Just gonna quickly check your assets and liabilities. We had your home valued at about $280,000 owing 80. Okay. So, actually, I can try here. So we haven't had it formally evaluated, but it reckons it's now estimated value is 360. Okay. Fantastic. And currently, much did it say we owe? About 80,000. Yeah. No. We had to withdraw off the house for a little bit there. So yeah. No. That's right. Cool. So 80 still sounds about on the money? Yep. Perfect. We had a $6,000 motor vehicle and a couple $100 on a Zip account. Zip Zip account, nothing. And I now own my Hilux, which is who knows what they value at these days, but I'd say roughly about 25. 25 fully owned.","start_word":1106,"end_word":1262,"sentiment":"neutral","sentiment_score":0.044770658016204834},{"text":"Fantastic. Love a good Hilux.","start_word":1263,"end_word":1267,"sentiment":"positive","sentiment_score":0.48345810174942017},{"text":"And do you have anything in I know you you're doing a bit of, like, redraw you mentioned. Do you have anything in, like, a emergency fund savings off to the side? How did yeah. How did he control that?","start_word":1268,"end_word":1307,"sentiment":"neutral","sentiment_score":-0.030457740649580956},{"text":"Because if I said I send it, I'm really bad about that.","start_word":1308,"end_word":1319,"sentiment":"negative","sentiment_score":-0.3671719431877136},{"text":"Yep. Totally fair. So there's a bit of savings there. And do you have any other assets or loans, any shares, crypto, anything like that? No. I don't have any shares. I've just been paid out my shares from Northern Star, which was used as a really, like, $37. Yep. Oh, no. It says no. It has their cards there. Actually, I actually talked to Harvey. I'm not sure if he's put the if he's put the old car on his side. Okay. Yep. So for now, leave the Hilux with you, and that's it. Yeah. Yeah. Just do that. Yep.","start_word":1320,"end_word":1420,"sentiment":"neutral","sentiment_score":-0.06234528128942936},{"text":"Easy done.","start_word":1421,"end_word":1422,"sentiment":"positive","sentiment_score":0.37586745619773865},{"text":"And this one's a little bit new this year, but have you ever gone through, like, a bankruptcy or a part nine debt agreement before? It's like an insolvency question. No?","start_word":1423,"end_word":1453,"sentiment":"neutral","sentiment_score":-0.04325057566165924},{"text":"Perfect. Awesome.","start_word":1454,"end_word":1455,"sentiment":"positive","sentiment_score":0.4200050830841065},{"text":"And you don't have a will or power of attorney in place? No. I should really do that. Yeah. Absolutely. You wouldn't believe I've had that conversation maybe four times a day at the moment. And Yep. I think one of the the easy little tips I can give you, which may help, is you've got three easy options. So you can talk to a solicitor, of course, and how long is a piece of string for how much you might get charged there. Yep. The public trustee of every state also does appointments. Like, you know, at the courthouse, they can do appointments for wills and power of attorney there as well. Yep. And the third one is Australia Post actually has basic government approved will kits and power I of did attorney see kits that, for actually. about $25 a pop. I did see that. They're good for, like, getting a basic setup. If you were trying to set up, like, a family trust or something, probably not the best, but it does help kind of get something simple in place and in writing. Actually, can I, at a different date, doesn't need to be today, have a chat about making a family trust? Of course. Absolutely can. And just so I can take down a couple of notes for that future conversation, what are you thinking when it comes to Family Trust?","start_word":1456,"end_word":1690,"sentiment":"neutral","sentiment_score":0.13029626661792715},{"text":"It's not so much for myself.","start_word":1691,"end_word":1696,"sentiment":"negative","sentiment_score":-0.3484341502189636},{"text":"It's more for my partner and his cousins. Yep. So there's quite a bit of shared land back in New Zealand. Yep. And it's been the root cause of every family argument for Yep. god knows how long. That's always the case. So yeah. 100%. And it's always going to be the case, but we're thinking if we put a trust in place with clear clear outlines of everything, Yeah. then there'll be less of an argument.","start_word":1697,"end_word":1773,"sentiment":"neutral","sentiment_score":0.07485036551952362},{"text":"It definitely helps keep things in writing for beneficiaries Yep.","start_word":1774,"end_word":1783,"sentiment":"positive","sentiment_score":0.4248706102371216},{"text":"who controls the assets, under what provisions that can do it. The only thing that I'm not an expert on is cross country family trust. Oh, I no. know Just wanting an outline of how they work, what's needed for them. Yeah. Just a little outline, really. yeah. Absolutely. Do you have many contacts back in New Zealand in terms of, like, lawyers, accountants, things like that by any chance? No. Both Kane and I have been out of New Zealand since, what, 2008, 2010? Yep. So the only thing I can think of is that when it comes to, like, Australian ones, accountants can help set up the entities. When it comes to set up a trust, set up a company, that's what they kind of specialize in. Lawyers are your best bet when it comes to carefully planning the legal side around Yes. who can and can't control assets and how it gets passed down in an estate Okay. planning sense as well. Yep. Advisors, we're kind of the the middle guy. We talk about strategy. You know, there's all these things about income splitting in a family trust and Yep. how the government's changing the legislation to try and tax that and all that kind of thing.","start_word":1784,"end_word":1993,"sentiment":"neutral","sentiment_score":0.07013681530952454},{"text":"So we slot I love in the middle of a bit of a network, but lawyers and accountants are fantastic at that side of things, especially life.","start_word":1994,"end_word":2020,"sentiment":"positive","sentiment_score":0.4113958775997162},{"text":"if Okay.","start_word":2021,"end_word":2022,"sentiment":"neutral","sentiment_score":-0.14962196350097656},{"text":"it's messy family relations. It's just outside of that. I think they are entitled to shit, but yeah.","start_word":2023,"end_word":2040,"sentiment":"negative","sentiment_score":-0.4166167179743449},{"text":"Yep. No. It's a story as old as time, and the more and more that the baby boomer generation goes along, their assets are being fought over when they pass away. I have a Yep. lot of clients from New Zealand who have land back home, and it's just a constant constant conversation. I wish I Yep. could do a little bit more to help there, but, yeah, just seeking some professional guidance and and chatting around between a few different professions might give you some good ideas. Yeah. No. Definitely. Especially because it's Maori land, so it's not it's not Crown land. Yeah. Absolutely. Yes. What about your beneficiary for the super? I did notice that it wasn't actually up to date at the moment. Were you wanting Oh. originally to try and put your your partner on there, or what was your thinking when it comes to who Yeah. the super Yeah. goes? We'll just put Kate on there.","start_word":2041,"end_word":2201,"sentiment":"neutral","sentiment_score":-0.023686200380325317},{"text":"Cool.","start_word":2202,"end_word":2202,"sentiment":"positive","sentiment_score":0.35300397872924805},{"text":"So what I will do is I will send out a beneficiary form. Because it's a legal document, you do have to, like, wet sign it and get Oh, a witness. okay. Yep. Yep.","start_word":2203,"end_word":2236,"sentiment":"neutral","sentiment_score":0.15670664608478546},{"text":"So we've got really cool instruction pages over the front, which will tell you exactly Yep.","start_word":2237,"end_word":2252,"sentiment":"positive","sentiment_score":0.388279527425766},{"text":"how to do it. Just to kind of briefly explain it now while I've got you, you can choose two things when it comes to a beneficiary. You can choose whether you want it to expire or not so it can lapse after three years or just continue on until you change it. Do you have a preference there? I just continue on until I change it.","start_word":2253,"end_word":2319,"sentiment":"neutral","sentiment_score":0.13721777498722076},{"text":"Perfect.","start_word":2320,"end_word":2320,"sentiment":"positive","sentiment_score":0.4852558672428131},{"text":"So that's called a non lapsing, and there's, like, a little tick box for it. And the other one is, do you want it to be legally binding or not legally binding, which is a strange question, Yep. but it basically means the super That fund it can't can have be contested. discretion. Yeah. So you can make a the most common is nonlapsing binding. So it doesn't expire, and it holds up in court. Yep. K? Q n. One moment. I will note that down, and we can. Would it be helpful if we kind of prefilled some of the forms for you, or are you happy just to kind of read through and and fill in Kane's details? I'm not finished a little out. That's no worries. I'm as I said, I'm not working at the moment, so that's all good.","start_word":2321,"end_word":2463,"sentiment":"neutral","sentiment_score":0.04035567423211528},{"text":"Perfect. Any questions at all? Just call that 1300, and the team can walk you through it in two minutes flat. Amazing.","start_word":2464,"end_word":2485,"sentiment":"positive","sentiment_score":0.3738743662834167},{"text":"Outside of that, now we don't have any insurances in place as far as I can see. You have just gone to a new role underground mining, which is very difficult to get insurances. I did just wanna ask the question about whether you wanted me to investigate any life disability, income protection, or trauma insurance for you this year. No. That's alright. I'll get that as part of my employment package.","start_word":2486,"end_word":2557,"sentiment":"neutral","sentiment_score":0.0048432559706270695},{"text":"Perfect.","start_word":2558,"end_word":2558,"sentiment":"positive","sentiment_score":0.506451427936554},{"text":"Once we catch up again in the future, we'll probably ask you about that. And if we can get any details about what they cover you for just to keep on file, that would be lovely. Yep. I will make a note of it for now just so that the team's aware.","start_word":2559,"end_word":2610,"sentiment":"neutral","sentiment_score":0.25653770565986633},{"text":"Cute. Perfect. Now when it comes to the super, nice and easy.","start_word":2611,"end_word":2622,"sentiment":"positive","sentiment_score":0.38030508160591125},{"text":"If you recall, we put you into a Hub 24 Superfund in their Discover menu. So Hub has Yep. three menus. You've got Discover to start off, nice and low fees when you've got a lower balance.","start_word":2623,"end_word":2659,"sentiment":"neutral","sentiment_score":0.2365609109401703},{"text":"Then as you get up higher, you can move into their core menu, more investment options, and then their Choice menu, which has apparently the most options in the entire country, which is fantastic. So it's perfect. It'll give you a lot of flexibility for when you've got a let's say you've got a 100,000.","start_word":2660,"end_word":2714,"sentiment":"positive","sentiment_score":0.3788156807422638},{"text":"You pay an extra flat fee to get access to all the other options, but then it means that we can build pretty much anything for you. So it kind of grows as you grow. Does that make sense? Yes. Yeah. Right.","start_word":2715,"end_word":2756,"sentiment":"neutral","sentiment_score":0.2245328426361084},{"text":"Yep. Perfect.","start_word":2757,"end_word":2758,"sentiment":"positive","sentiment_score":0.5147369503974915},{"text":"Now when it comes to the current one, now we've put you in a Vanguard high growth fund, which is just index funds, low fees, follows the market, and puts basically 90% of your super into growth assets, shares, property, gold, all that kind of thing, just to try and Mhmm. get you caught up there a little bit quicker.","start_word":2759,"end_word":2818,"sentiment":"neutral","sentiment_score":0.24284902215003967},{"text":"You don't really have a bad balance for your age, but now that you're gonna be earning this much with the new company while you're in high growth, both of them are gonna compound really well over the next sort of ten, twenty years.","start_word":2819,"end_word":2862,"sentiment":"positive","sentiment_score":0.4629128575325012},{"text":"Yes. Yeah. Now And I'm you just can gonna buy quickly it at a glove because it's just a little more expensive to use with kids. it's not too bad.","start_word":2863,"end_word":2892,"sentiment":"neutral","sentiment_score":0.2310079038143158},{"text":"Like, I have seen people that come through the door.","start_word":2893,"end_word":2902,"sentiment":"positive","sentiment_score":0.3601619601249695},{"text":"30,000 at 30 is kind of a bit average, and Yep. 42 or 33 is not too bad. It's only really a difference of, like, a year or two of strong growth and contributions. It's not that big of a a gap. What is the balance at the moment? Well, it's just shy of 42,000. You're sitting at $41.09 $6.09. Oh, yep. So just shy of $10 increase. Yeah.","start_word":2903,"end_word":2971,"sentiment":"neutral","sentiment_score":0.1452515423297882},{"text":"That's exactly right. I've got the performance that I'll shoot through to you. I'm gonna actually regenerate a performance figure as of today just so I've got the most up to date for you.","start_word":2972,"end_word":3005,"sentiment":"positive","sentiment_score":0.42055800557136536},{"text":"And let me have a quick look.","start_word":3006,"end_word":3012,"sentiment":"neutral","sentiment_score":0.2079530954360962},{"text":"Amazing. This is what I like to see. Despite the stock market going down the way it has, you've still cleared just under a 15% return net of fees.","start_word":3013,"end_word":3041,"sentiment":"positive","sentiment_score":0.4473347067832947},{"text":"So you've put in, let's say, around 8,000 ish, and it's had a total growth on top of that of about 5,500 net of fees as well.","start_word":3042,"end_word":3068,"sentiment":"neutral","sentiment_score":0.28923648595809937},{"text":"So that's doing its thing.","start_word":3069,"end_word":3073,"sentiment":"positive","sentiment_score":0.3888081908226013},{"text":"When it comes to these high growth index funds, basically, we want you to average out at around about 10% or above over a long period of time. So Yeah. some good years, it'll go up ten, twenty, 30. In the bad years, it may go down ten, twenty, 30. Usually, what tends to happen is every seven years, stock market goes up a bunch and then crashes, goes up and crashes. And you probably know the drill on the news. There's a financial crisis, COVID, war in Iran, something kind Yep. of shocks the world every seven years or so on average, give or take. Yep. The main plan for you is contributions go in. It's an index fund, so it follows everything very closely. And anytime it dips, we get to use that as a bit of a buying opportunity. Contributions come in. All the properties and shares and gold go down. We can just buy more of them without selling them. And then when your Yep. super funds goes up, you get those high returns on the way back up again. Yep. Now we obviously don't wanna keep you high growth when you're 64 because you probably don't wanna lose half your super a year before you go to live off of it. So at some point, it's like, build it now and then protect it when you're close to retirement. Does that make sense?","start_word":3074,"end_word":3311,"sentiment":"neutral","sentiment_score":0.037874143570661545},{"text":"Makes perfect sense.","start_word":3312,"end_word":3314,"sentiment":"positive","sentiment_score":0.49490150809288025},{"text":"Yep. So for now, our main plan for you at the moment is keep building up this balance with the low fee menu and hub. Let your contributions go in. Do you need anything in terms of SGC forms to give to your payroll at the new place? No. I already had copies from when I went to Northern Star, so Yep. that's all sorted.","start_word":3315,"end_word":3379,"sentiment":"neutral","sentiment_score":0.124300979077816},{"text":"Perfect. Perfect. Fantastic.","start_word":3380,"end_word":3382,"sentiment":"positive","sentiment_score":0.6999549865722656},{"text":"Once we get you up to somewhere between 60 and 80,000, we may then look up moving you up to the core menu of Hub where we've got some better portfolios in there. And then once Yep. you're over a 100,000, we could probably look at that choice menu as well. So we're just gonna kind of progress you in three stages. Yep. Do you wanna look at any kind of salary sacrifice into super? Or, really, the main question is, what will you be doing with your cash flow at the new job? Are you saving for anything in particular? What's the plan? Yeah. We wanna get a couple trips and over the next couple of years just because having a business, you can't go on trips because you have to be there to run the bloody business. Long overdue, isn't it? 100%.","start_word":3383,"end_word":3526,"sentiment":"neutral","sentiment_score":0.11552052944898604},{"text":"One holiday in a year in eleven years is not enough.","start_word":3527,"end_word":3537,"sentiment":"negative","sentiment_score":-0.5371760129928589},{"text":"Yeah. So what are we thinking holiday wise? We're going back to New Zealand a couple of times? We're going abroad, internally in Australia? Heading to Raleigh at the end of the year. I would really love to do a New Zealand trip next year, but I'm also thinking about because the company also offers Novated Leasing. Oh, So I'm also thinking about getting a new car. okay. Novated lease and a new car. Now when you go to Bali or New Zealand, To how much will that cost you these days? be honest, We're talking I 5, wouldn't 10, 20, know. 30? The last time we went back in back to New Zealand was $20.17 for the four of us last minute flights. We didn't have to pay for accommodation, thankfully, and car hire and all of that cost us about $10. Yep. So is it okay if I put Sorry. down just an estimate of about 15 or so for each trip? I was just about to say, if you put down about 15, we'll probably be on the money. Yep.","start_word":3538,"end_word":3720,"sentiment":"neutral","sentiment_score":0.10310377925634384},{"text":"Perfect.","start_word":3721,"end_word":3721,"sentiment":"positive","sentiment_score":0.527424156665802},{"text":"Alright. So outside of that, you have the mortgage to finish off, some trips to go on to, and Yep. we do have some notes to try and get you to retire a bit earlier. So you can access your super at 60. The age pension is 67. And Yes. are you still of that mind of let's go out as quick as we can so I can retire as early as I can? 100%.","start_word":3722,"end_word":3796,"sentiment":"neutral","sentiment_score":0.15966770152250925},{"text":"100%. Perfect. So that makes our job very straightforward. We just continuously update your portfolio and try and make sure it's on track for what it needs to be returning. You do your thing with work and pay off the mortgage.","start_word":3797,"end_word":3837,"sentiment":"positive","sentiment_score":0.5450186133384705},{"text":"And if there's anything else that you would like to look at along the way, whether it comes to trust discussions, estate planning, or even investing, we can definitely sort of swing into different areas of advice as you might need. Is there anything that you think you might wanna look at over the next five years? Well, there's a lot of things. It's just a matter of getting in yeah. We just wanna kinda get ourselves in a better position first because that's our business was liquidated, and we haven't heard Yep. anything about that. Oh, so you still gotta kind of play through the Yeah. the So end we of just kinda yeah. We do wanna do all these things, but we're still trying to make sure that we're in a a decent position just in case something decides to bite us on the butt. Yeah. Absolutely.","start_word":3838,"end_word":3986,"sentiment":"neutral","sentiment_score":0.06765054166316986},{"text":"That's a good thing to keep an eye on is just keep your your savings high and make sure all of that's settled before Yep.","start_word":3987,"end_word":4011,"sentiment":"positive","sentiment_score":0.3359447419643402},{"text":"you dive into too many other things. Yeah. We do wanna get a bigger house too because three bedrooms with teenage kids who constantly bring their kids friends with their friends Yeah. around. It's it's a bit tight. Yep. We're we're looking for the four bedroom now. Yep. After that, I'm just making a few notes that, basically, what the main thing is is just transition into work, finalize liquidation of the business, grow your savings, Yep. go on a couple of trips, upgrade your home, retire early, and upgrade your car. Yep.","start_word":4012,"end_word":4104,"sentiment":"neutral","sentiment_score":0.07511383295059204},{"text":"Awesome.","start_word":4105,"end_word":4105,"sentiment":"positive","sentiment_score":0.5605407953262329},{"text":"Anything else that I have missed there?","start_word":4106,"end_word":4112,"sentiment":"neutral","sentiment_score":0.03748440742492676},{"text":"Alright. Perfect. Perfect. Cracking Perfect.","start_word":4113,"end_word":4117,"sentiment":"positive","sentiment_score":0.6134782433509827},{"text":"the egg. Bacon And if you don't mind me asking, what are you you're baking at the moment? Just we talking cakes, cookies? egg pie, some chocolate chip biscuits, and some banana muffins. Oh, well, I shouldn't have asked. I'm on late night tonight. I've still got a few hours to go, and I'm I'm starving already. Sorry. I should've said it was, something weird. No. That's okay.","start_word":4118,"end_word":4185,"sentiment":"neutral","sentiment_score":-0.033396050333976746},{"text":"That sounds amazing.","start_word":4186,"end_word":4188,"sentiment":"positive","sentiment_score":0.6876492500305176},{"text":"Alright. Now before I kind of finish up, is there any questions on your end so far? No. I'm pretty good at the moment. If I didn't have Harvey with me, I'd probably be third. But, anyway, he's pretty on-site. He keeps me he keeps me in check money wise.","start_word":4189,"end_word":4238,"sentiment":"neutral","sentiment_score":0.07038348913192749},{"text":"Perfect. Perfect.","start_word":4239,"end_word":4240,"sentiment":"positive","sentiment_score":0.4333054721355438},{"text":"Look. There's always two, and they always tend to kind of play off each other. I do the same thing for my wife, so it's always good to have. If you don't mind me asking, is your partner a client of ours as well? Or Yes. Yes. He's actually the one who got me on to you guys. okeydoke. So I just wanna do my due diligence and double check that I've sent you the right agreement before you tick anything. So bear with me for two seconds Alright. because we have a the partner's fee discount, and I just wanna make sure that's been applied. Yes. It has. So, normally, we would charge 1.65%. You are down to the partner's discount of 1.1. When you Yep. go above 600,000 in your super, which sounds crazy, it does actually cap as a flat fee at that point because we do have clients that get to a million, 2,000,000, and it can be quite excessive. You can't charge $40,000 for the same service. We're good, but Yes. there has to be a limit. But over the years, because of you being on 6 figures high growth, it wouldn't be surprising for you to be going to a million, million and a half, 2,000,000, that kind of thing. Most people in our generations who are six figures early are going to be hitting some pretty high figures in their super, especially with 12% going in now and especially on a will you be getting paid weekly, fortnightly, or monthly? Yep. Fortnightly. Fortnightly.","start_word":4241,"end_word":4500,"sentiment":"neutral","sentiment_score":0.06096936352550984},{"text":"So the cool thing is they've changed the legislation to make it fortnightly in line with your pay cycle for the super contributions. So that way, you don't have to wait three months for it to go in. It goes in with your pay, and that means it gets invested quicker, invested for longer, and that's gonna really help us as well.","start_word":4501,"end_word":4562,"sentiment":"positive","sentiment_score":0.5519459843635559},{"text":"Our main problem is gonna be in thirty years' time, the cost of living and inflation.","start_word":4563,"end_word":4578,"sentiment":"negative","sentiment_score":-0.409907579421997},{"text":"So even if you've got a Yes. million million of super, if a 100,000 buys bugger all in twenty years' time compared to what it does now, we do have to compensate for that and get you a little bit of extra growth as well. Yep. No. That's understandable. It's the white cookie combos. It is, but that's why we we keep an eye and we pivot and we do what we can and we invest because how long would it take anybody to save a million dollars in their bank account? Probably take them a lifetime, and Yep.","start_word":4579,"end_word":4677,"sentiment":"neutral","sentiment_score":-0.18789559602737427},{"text":"it's pretty hard to do.","start_word":4678,"end_word":4682,"sentiment":"negative","sentiment_score":-0.3509010076522827},{"text":"Alright. For sure. When you do go through that email, you will have attachments like a normal email, like PDF attachments with all of your reports and everything. And Yep. then the actual blue link is to go in and sign the service agreement itself where you can download a signed copy. So I did wanna ask you, Moana, are you still comfortable for us to remain your advisers? Yes. Yes.","start_word":4683,"end_word":4753,"sentiment":"neutral","sentiment_score":0.08299612998962402},{"text":"Absolutely. Amazing. That pretty much wraps up the review for the time being.","start_word":4754,"end_word":4766,"sentiment":"positive","sentiment_score":0.47528380155563354},{"text":"Do you want me to put in any kind of quarterly or six monthly contact with you to go through any changes or potential advice, or do you are you happy just to wait for the next annual review and call in as Yeah. It needed? looks Yes. Yes. No. That's absolutely fine.","start_word":4767,"end_word":4819,"sentiment":"neutral","sentiment_score":0.016067730262875557},{"text":"I'm horrible answering my phone.","start_word":4820,"end_word":4824,"sentiment":"negative","sentiment_score":-0.5995246171951294},{"text":"Yeah. That's perfectly fine. So we'll still keep sending through details and changes and making updates. And if you're that way inclined, you can check out the videos we're starting to do on our website about the economy and everything. But if not, please call in if there's been any major changes or anything that you guys need or would like to talk Yes. about. Yeah. No worries.","start_word":4825,"end_word":4892,"sentiment":"neutral","sentiment_score":0.027599507942795753},{"text":"Thank you very much. Awesome, Anna.","start_word":4893,"end_word":4898,"sentiment":"positive","sentiment_score":0.521374523639679},{"text":"Any last questions for me before I let you go? No.","start_word":4899,"end_word":4909,"sentiment":"neutral","sentiment_score":0.1939379870891571},{"text":"Thank you. You've been great. Awesome. I will talk to you soon. If you have any questions, call back, and have a fantastic week.","start_word":4910,"end_word":4933,"sentiment":"positive","sentiment_score":0.5523055791854858},{"text":"You too.","start_word":4934,"end_word":4935,"sentiment":"neutral","sentiment_score":0.3277541995048523},{"text":"Thanks, love. Thank you.","start_word":4936,"end_word":4939,"sentiment":"positive","sentiment_score":0.5646297931671143},{"text":"Bye. Bye.","start_word":4940,"end_word":4941,"sentiment":"neutral","sentiment_score":0.18109044432640076}],"average":{"sentiment":"neutral","sentiment_score":0.09986602695715212}}}}