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Now what I've got for you today is just a bit of an updated strategy since your last conversation. What I'd like to just quickly do is send it through to your inbox in Gmail. Will you be able to look on to the documents with me today? Oh, alright. I'll pop that through. It goes through pretty quickly with the new system. I think you've used it before. It probably won't go to your spam folder, but let me know if the statement of advice email comes through. Oh, no worries at all. How's the end of the week going? We call you a busy time? Yep. Now when you open up that purple button, it should bring open six documents. The main one to review is a statement of advice. Everything else is just some documents and supporting research. You should see can you see that first document with the Gold Coast City picture on it with the statement of the device when you open it up? When you open up the the first document, it should have a picture of the Gold Post on there with a statement of the bike heading. Yep. Perfect. That's the one we're after today. So if you can just have a quick scroll down through the pages three and four for me, you should see, like, a scope of advice setting. Yep. Now with the insurance side of things, I know you had a bit of an updated chat with Kyle just that the insurers weren't offering a good writing while you were still doing the the teaching for the AMA. That was the same time being. Does that ring a bell? I know that we sorted out some Yeah. Yeah. Oh, yeah. So a bit of a self funded super fund looking for national property. Alrighty. So you reckon two years time for that one? Yep. Oh, wow. That's alright. Okay. Yeah. Okay. So when that comes time, we'll obviously do annual reviews, keep an eye on portfolios going. When that comes time for it, I can definitely give you SMSF advice, help you set it up, move things around. Most of the time, what I tend to do is if we use the majority of it for property, whether residential or commercial, anything in excess of that that, you know, contribution can be invested alongside it. We can have an account that linked in a bank account for the property and then an investment account for the portfolio next to it. Perfect. No. Thank you very much for letting me know that. Yeah. Yep. They called me the SMSF specialist in the office. So I've been doing it for about twelve years or so. So when it comes time, I can more than happy to help you out with that and get it all set up. Whether you've got I'm sorry. It's probably for the setup. We do have a couple of network that do self managed super fund setups with us. So whoever you need at the time, I'll be ready for it. Yes. And with the recent legislation changes, where they were banning the residential property inside. People were kind of scrambling to get it set up before the due date. And yep. Yeah. That's awesome. I've had a few people that have set up I've done some funky ones in my time. I've done theme park and caravan parks and people who are doing, like, on-site property management businesses through there. So, yeah, when it comes time, I'll I'll help you out with it. Yes. Alright. A 100,000 purchase price. I'm gonna add this to your goal section. That way, when we catch up in, say, six to twelve months of time, I can track that with you. And these days, they've relaxed the lending a little bit. Like, you you basically need a 20% deposit plus a bit of cost on top and a bit of a cash buffer. The 200 sounds pretty good as a correct. Yeah. And, hopefully, if the stock market grows for the next two years, you're gonna get some good double digit returns and that'll help. If it does crash, that's gonna cause a bit of an issue and delay it. So This one's pretty straightforward, to be honest. So outside of the the beneficiaries that we were sorting out yep. All done. Couple little points I'll just quickly touch on. So assets and liabilities, any major changes I need to note down? No. Cool. The couple of quick compliance points I wanted to run by you was that when you had that discussion with Kyle, you'd scored as a growth investor for a risk profile, but we're basically agreeing to stay high growth and try and get those high long term returns. Does does that sort of ring a bell? Yeah. It all averages out in the end as long as you've got enough time to to let that happen. And this one's pretty easy, to be honest. Like, the the capital gains tax of switching the investments around was a couple of $100 instead of a couple of thousand. You make up double that in reducing investment fees and double the performance for the portfolio. The only couple of things I'll point out is just in terms of asset allocation. So what we're doing is we're switching a a decent portion of what you had in cash into, like, fixed interest in terms of and just switching out some of those underperforming options that you had. Cool. Well, keep an eye on the insurances too because, obviously, as your life changes, we may need to alter them. And I just wanna keep an eye on premium because if that keeps jumping up, which it definitely does through the 50, that's gonna stop you from hitting that SMSF goal if you start paying $10 at your super speed. Yep. So at the moment, it's okay to keep it in place for the time being, but the moment we get close to that policy anniversary, I've included a certificate in this pack as well, which I'm just gonna quickly check the date. So the policy anniversary has just gone by, which is great. Once we get to this time next year, if it's jumped up to $3,000, I'm gonna have to basically just jump on with you, trim it down, shop around. And so that's why I wanna make sure we can get in touch maybe before end of financial year next year for the next yeah. Awesome. So that's a a bit better for sure. The only other thing we've got in there is just in terms of service agreement. So it won't affect you. Basically, it'll it'll kind of never affect you, but we have changed our our fee structures to people above 200,000, above 500,000, above 1,000,000. But what'll end up happening to you is you'll build it up to 200,000, and then it'll get used for the property purchase. And then there will just be that small portfolio on the side. So there'll be no changes to any kind of fee percentages for you, pretty much the entire time. Yeah. So what we'll do is the first document signs the statement of advice for the investment switch. The second document signs the consent form with the super fund for us. And then everything after that is just four documents to keep on file for you, which you can basically just get next document and it'll finalize. Yep. And then once that's done, there's, like, next document, next document. Once you get to the end, it'll have a validate button. Sometimes it takes thirty seconds to do the spinning circles to load, and then it'll ask if you want to save a a copy or you'll get emailed a signed copy. Yeah. And then from there, the next three three four is just next document, next document. There is a service guide update for us with privacy policy and licensing detail. No worries. Yes. Yeah. The the regular investment But for the lump sum, basically, if you have any kind of business accounts or offset accounts or anything like that, most people do a double dip where they keep it in there for the year, put it in in June, and then we help them do a notice of intent to claim form for the tax. So I'll play the account for that. It's called an NOI. And then that way, when we come in time to June, I'll go through the contributions. If we do the lump sum, I'll help you with paperwork, and then we'll just track what we do with the insurances and then how we're going to get the. That's alright. That's come through some on my end. Thank you very much for that, Richard. Any questions on your end at this point? Yep. Yeah. And then what we basically do with the brokers is when it comes time to loan time, we've got all the information as well on the entities that get set up, like the trust fund, the corporate trustees, the bare trust, and everything for the loan. And we can get all that through to them, help move the funds across to the bank account in time for settlement, and basically just liaise a bit of a triangle between broker and accountant for you. Yeah. Just see how for them to see what quotes are like and how else is that? Yeah. Yep. It's going through perfectly, mate. So you have a fantastic weekend. Do you want me to put any contact points in before the end of the year or just kind of cut base around in the financial year unless something comes up? Yep. Okay. Yep. It's fine. Okay. Yeah. So January will be good, and we'll just see how you're tracking contributions, whether you need to increase it. And I guess that'll help with your business cash flow and what you do with it as well. Anytime, Richard, and have a good weekend. Yes. 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How you doing? Oh, yeah. Yeah. Yeah.\n\nSorry. Perfect. Go for it. Thank you so much. Good morning, Richard.\n\nTommy here, mate. Thanks for calling back in. Now what I've got for you today is just a bit of an updated strategy since your last conversation. What I'd like to just quickly do is send it through to your inbox in Gmail. Will you be able to look on to the documents with me today?\n\nOh, alright. I'll pop that through. It goes through pretty quickly with the new system. I think you've used it before. It probably won't go to your spam folder, but let me know if the statement of advice email comes through.\n\nOh, no worries at all. How's the end of the week going? We call you a busy time? Yep. Now when you open up that purple button, it should bring open six documents.\n\nThe main one to review is a statement of advice. Everything else is just some documents and supporting research. You should see can you see that first document with the Gold Coast City picture on it with the statement of the device when you open it up? When you open up the the first document, it should have a picture of the Gold Post on there with a statement of the bike heading. Yep.\n\nPerfect. That's the one we're after today. So if you can just have a quick scroll down through the pages three and four for me, you should see, like, a scope of advice setting. Yep. Now with the insurance side of things, I know you had a bit of an updated chat with Kyle just that the insurers weren't offering a good writing while you were still doing the the teaching for the AMA.\n\nThat was the same time being. Does that ring a bell? I know that we sorted out some Yeah. Yeah. Oh, yeah.\n\nSo a bit of a self funded super fund looking for national property. Alrighty. So you reckon two years time for that one? Yep. Oh, wow.\n\nThat's alright. Okay. Yeah. Okay. So when that comes time, we'll obviously do annual reviews, keep an eye on portfolios going.\n\nWhen that comes time for it, I can definitely give you SMSF advice, help you set it up, move things around. Most of the time, what I tend to do is if we use the majority of it for property, whether residential or commercial, anything in excess of that that, you know, contribution can be invested alongside it. We can have an account that linked in a bank account for the property and then an investment account for the portfolio next to it. Perfect. No.\n\nThank you very much for letting me know that. Yeah. Yep. They called me the SMSF specialist in the office. So I've been doing it for about twelve years or so.\n\nSo when it comes time, I can more than happy to help you out with that and get it all set up. Whether you've got I'm sorry. It's probably for the setup. We do have a couple of network that do self managed super fund setups with us. So whoever you need at the time, I'll be ready for it.\n\nYes. And with the recent legislation changes, where they were banning the residential property inside. People were kind of scrambling to get it set up before the due date. And yep. Yeah.\n\nThat's awesome. I've had a few people that have set up I've done some funky ones in my time. I've done theme park and caravan parks and people who are doing, like, on-site property management businesses through there. So, yeah, when it comes time, I'll I'll help you out with it. Yes.\n\nAlright. A 100,000 purchase price. I'm gonna add this to your goal section. That way, when we catch up in, say, six to twelve months of time, I can track that with you. And these days, they've relaxed the lending a little bit.\n\nLike, you you basically need a 20% deposit plus a bit of cost on top and a bit of a cash buffer. The 200 sounds pretty good as a correct. Yeah. And, hopefully, if the stock market grows for the next two years, you're gonna get some good double digit returns and that'll help. If it does crash, that's gonna cause a bit of an issue and delay it.\n\nSo This one's pretty straightforward, to be honest. So outside of the the beneficiaries that we were sorting out yep. All done. Couple little points I'll just quickly touch on. So assets and liabilities, any major changes I need to note down?\n\nNo. Cool. The couple of quick compliance points I wanted to run by you was that when you had that discussion with Kyle, you'd scored as a growth investor for a risk profile, but we're basically agreeing to stay high growth and try and get those high long term returns. Does does that sort of ring a bell? Yeah.\n\nIt all averages out in the end as long as you've got enough time to to let that happen. And this one's pretty easy, to be honest. Like, the the capital gains tax of switching the investments around was a couple of $100 instead of a couple of thousand. You make up double that in reducing investment fees and double the performance for the portfolio. The only couple of things I'll point out is just in terms of asset allocation.\n\nSo what we're doing is we're switching a a decent portion of what you had in cash into, like, fixed interest in terms of and just switching out some of those underperforming options that you had. Cool. Well, keep an eye on the insurances too because, obviously, as your life changes, we may need to alter them. And I just wanna keep an eye on premium because if that keeps jumping up, which it definitely does through the 50, that's gonna stop you from hitting that SMSF goal if you start paying $10 at your super speed. Yep.\n\nSo at the moment, it's okay to keep it in place for the time being, but the moment we get close to that policy anniversary, I've included a certificate in this pack as well, which I'm just gonna quickly check the date. So the policy anniversary has just gone by, which is great. Once we get to this time next year, if it's jumped up to $3,000, I'm gonna have to basically just jump on with you, trim it down, shop around. And so that's why I wanna make sure we can get in touch maybe before end of financial year next year for the next yeah. Awesome.\n\nSo that's a a bit better for sure. The only other thing we've got in there is just in terms of service agreement. So it won't affect you. Basically, it'll it'll kind of never affect you, but we have changed our our fee structures to people above 200,000, above 500,000, above 1,000,000. But what'll end up happening to you is you'll build it up to 200,000, and then it'll get used for the property purchase.\n\nAnd then there will just be that small portfolio on the side. So there'll be no changes to any kind of fee percentages for you, pretty much the entire time. Yeah. So what we'll do is the first document signs the statement of advice for the investment switch. The second document signs the consent form with the super fund for us.\n\nAnd then everything after that is just four documents to keep on file for you, which you can basically just get next document and it'll finalize. Yep. And then once that's done, there's, like, next document, next document. Once you get to the end, it'll have a validate button. Sometimes it takes thirty seconds to do the spinning circles to load, and then it'll ask if you want to save a a copy or you'll get emailed a signed copy.\n\nYeah. And then from there, the next three three four is just next document, next document. There is a service guide update for us with privacy policy and licensing detail. No worries. Yes.\n\nYeah. The the regular investment But for the lump sum, basically, if you have any kind of business accounts or offset accounts or anything like that, most people do a double dip where they keep it in there for the year, put it in in June, and then we help them do a notice of intent to claim form for the tax. So I'll play the account for that. It's called an NOI. And then that way, when we come in time to June, I'll go through the contributions.\n\nIf we do the lump sum, I'll help you with paperwork, and then we'll just track what we do with the insurances and then how we're going to get the. That's alright. That's come through some on my end. Thank you very much for that, Richard. Any questions on your end at this point?\n\nYep. Yeah. And then what we basically do with the brokers is when it comes time to loan time, we've got all the information as well on the entities that get set up, like the trust fund, the corporate trustees, the bare trust, and everything for the loan. And we can get all that through to them, help move the funds across to the bank account in time for settlement, and basically just liaise a bit of a triangle between broker and accountant for you. Yeah.\n\nJust see how for them to see what quotes are like and how else is that? Yeah. Yep. It's going through perfectly, mate. So you have a fantastic weekend.\n\nDo you want me to put any contact points in before the end of the year or just kind of cut base around in the financial year unless something comes up? Yep. Okay. Yep. It's fine.\n\nOkay. Yeah. So January will be good, and we'll just see how you're tracking contributions, whether you need to increase it. And I guess that'll help with your business cash flow and what you do with it as well. Anytime, Richard, and have a good weekend.\n\nYes. Bye.","paragraphs":[{"sentences":[{"text":"Yeah.","start":6.8799996,"end":7.12,"sentiment":"neutral","sentiment_score":0.10557767748832704},{"text":"How you doing?","start":7.12,"end":8.02,"sentiment":"neutral","sentiment_score":0.21389645834763846},{"text":"Oh, yeah.","start":20.494999,"end":20.895,"sentiment":"neutral","sentiment_score":0.02772148884832859},{"text":"Yeah.","start":20.895,"end":21.215,"sentiment":"neutral","sentiment_score":0.027611687779426575},{"text":"Yeah.","start":21.215,"end":21.535,"sentiment":"neutral","sentiment_score":0.02073751762509346}],"sentiment":"neutral","sentiment_score":0.10638240445405245,"num_words":8,"start":6.8799996,"end":21.535},{"sentences":[{"text":"Sorry.","start":21.535,"end":22.035,"sentiment":"neutral","sentiment_score":0.01578175649046898},{"text":"Perfect.","start":32.91,"end":33.39,"sentiment":"positive","sentiment_score":0.6666225790977478},{"text":"Go for it.","start":33.39,"end":33.870003,"sentiment":"positive","sentiment_score":0.6671368082364401},{"text":"Thank you so much.","start":33.870003,"end":34.85,"sentiment":"positive","sentiment_score":0.7635815143585205},{"text":"Good morning, Richard.","start":42.364998,"end":43.405,"sentiment":"positive","sentiment_score":0.45291398962338764}],"sentiment":"positive","sentiment_score":0.5914068988834819,"num_words":12,"start":21.535,"end":43.405},{"sentences":[{"text":"Tommy here, mate.","start":43.405,"end":44.204998,"sentiment":"positive","sentiment_score":0.3611101806163788},{"text":"Thanks for calling back in.","start":44.204998,"end":45.585,"sentiment":"positive","sentiment_score":0.5810824990272522},{"text":"Now what I've got for you today is just a bit of an updated strategy since your last conversation.","start":48.7,"end":54.24,"sentiment":"neutral","sentiment_score":0.1818146846796337},{"text":"What I'd like to just quickly do is send it through to your inbox in Gmail.","start":55.66,"end":61.04,"sentiment":"neutral","sentiment_score":0.15396689949557185},{"text":"Will you be able to look on to the documents with me today?","start":61.1,"end":63.555,"sentiment":"neutral","sentiment_score":0.11151906962578113}],"sentiment":"neutral","sentiment_score":0.2027935775529061,"num_words":56,"start":43.405,"end":63.555},{"sentences":[{"text":"Oh, alright.","start":66.675,"end":67.395,"sentiment":"neutral","sentiment_score":0.12120365351438522},{"text":"I'll pop that through.","start":67.395,"end":68.775,"sentiment":"neutral","sentiment_score":0.2042701430618763},{"text":"It goes through pretty quickly with the new system.","start":69.635,"end":71.715,"sentiment":"neutral","sentiment_score":0.3031533824072944},{"text":"I think you've used it before.","start":71.715,"end":72.995,"sentiment":"neutral","sentiment_score":0.11686013390620549},{"text":"It probably won't go to your spam folder, but let me know if the statement of advice email comes through.","start":72.995,"end":78.87,"sentiment":"neutral","sentiment_score":0.047781264036893846}],"sentiment":"neutral","sentiment_score":0.13279644890529355,"num_words":41,"start":66.675,"end":78.87},{"sentences":[{"text":"Oh, no worries at all.","start":83.75,"end":85.53,"sentiment":"neutral","sentiment_score":0.026757911965250968},{"text":"How's the end of the week going?","start":86.39,"end":88.01,"sentiment":"neutral","sentiment_score":-0.01631030866077968},{"text":"We call you a busy time?","start":88.07,"end":89.53,"sentiment":"neutral","sentiment_score":-0.08268463363250096},{"text":"Yep.","start":100.965,"end":101.285,"sentiment":"neutral","sentiment_score":0.07293187081813812},{"text":"Now when you open up that purple button, it should bring open six documents.","start":101.285,"end":105.465,"sentiment":"neutral","sentiment_score":0.09232470180307116}],"sentiment":"neutral","sentiment_score":0.02693900889293714,"num_words":33,"start":83.75,"end":105.465},{"sentences":[{"text":"The main one to review is a statement of advice.","start":106.060005,"end":108.46001,"sentiment":"neutral","sentiment_score":0.06953445635735989},{"text":"Everything else is just some documents and supporting research.","start":108.46001,"end":112.64001,"sentiment":"neutral","sentiment_score":0.06836492526862356},{"text":"You should see can you see that first document with the Gold Coast City picture on it with the statement of the device when you open it up?","start":114.78001,"end":124.604996,"sentiment":"neutral","sentiment_score":0.03584440238773823},{"text":"When you open up the the first document, it should have a picture of the Gold Post on there with a statement of the bike heading.","start":129.625,"end":135.98,"sentiment":"neutral","sentiment_score":0.09104095599972285},{"text":"Yep.","start":144.085,"end":144.585,"sentiment":"neutral","sentiment_score":0.1948212832212448}],"sentiment":"neutral","sentiment_score":0.0658940310413773,"num_words":74,"start":106.060005,"end":144.585},{"sentences":[{"text":"Perfect.","start":144.725,"end":144.965,"sentiment":"positive","sentiment_score":0.725446343421936},{"text":"That's the one we're after today.","start":144.965,"end":146.74501,"sentiment":"positive","sentiment_score":0.4820835441350937},{"text":"So if you can just have a quick scroll down through the pages three and four for me, you should see, like, a scope of advice setting.","start":146.80501,"end":153.625,"sentiment":"neutral","sentiment_score":0.17035981129716943},{"text":"Yep.","start":158.005,"end":158.505,"sentiment":"neutral","sentiment_score":0.0600152425467968},{"text":"Now with the insurance side of things, I know you had a bit of an updated chat with Kyle just that the insurers weren't offering a good writing while you were still doing the the teaching for the AMA.","start":165.51001,"end":177.475,"sentiment":"neutral","sentiment_score":-0.08176974942668891}],"sentiment":"neutral","sentiment_score":0.06876564227245949,"num_words":74,"start":144.725,"end":177.475},{"sentences":[{"text":"That was the same time being.","start":177.695,"end":180.49501,"sentiment":"neutral","sentiment_score":-0.00789569535603126},{"text":"Does that ring a bell?","start":180.49501,"end":181.55501,"sentiment":"neutral","sentiment_score":0.0055864168331027034},{"text":"I know that we sorted out some Yeah.","start":185.375,"end":191.59,"sentiment":"neutral","sentiment_score":0.014862850541248918},{"text":"Yeah.","start":191.59,"end":192.09,"sentiment":"neutral","sentiment_score":0.07442496716976166},{"text":"Oh, yeah.","start":210.00499,"end":210.64499,"sentiment":"neutral","sentiment_score":0.06920484825968742}],"sentiment":"neutral","sentiment_score":0.014195244547656992,"num_words":22,"start":177.695,"end":210.64499},{"sentences":[{"text":"So a bit of a self funded super fund looking for national property.","start":210.64499,"end":213.625,"sentiment":"neutral","sentiment_score":0.07321061652440292},{"text":"Alrighty.","start":216.92,"end":217.42,"sentiment":"neutral","sentiment_score":0.054434292018413544},{"text":"So you reckon two years time for that one?","start":217.88,"end":220.22,"sentiment":"neutral","sentiment_score":0.004895427781674597},{"text":"Yep.","start":226.52,"end":227.02,"sentiment":"neutral","sentiment_score":-0.10758667439222336},{"text":"Oh, wow.","start":228.78499,"end":229.50499,"sentiment":"neutral","sentiment_score":-0.0004833950661122799}],"sentiment":"neutral","sentiment_score":0.03621837278254903,"num_words":26,"start":210.64499,"end":229.50499},{"sentences":[{"text":"That's alright.","start":229.50499,"end":230.22499,"sentiment":"neutral","sentiment_score":0.0071040429174900055},{"text":"Okay.","start":230.22499,"end":230.72499,"sentiment":"neutral","sentiment_score":0.05591507628560066},{"text":"Yeah.","start":238.625,"end":238.94499,"sentiment":"neutral","sentiment_score":0.07257571816444397},{"text":"Okay.","start":238.94499,"end":239.42499,"sentiment":"neutral","sentiment_score":0.07880724966526031},{"text":"So when that comes time, we'll obviously do annual reviews, keep an eye on portfolios going.","start":239.42499,"end":244.7,"sentiment":"neutral","sentiment_score":0.09715271322056651}],"sentiment":"neutral","sentiment_score":0.08456902578473091,"num_words":21,"start":229.50499,"end":244.7},{"sentences":[{"text":"When that comes time for it, I can definitely give you SMSF advice, help you set it up, move things around.","start":245.48,"end":251.58,"sentiment":"neutral","sentiment_score":0.22851875921090445},{"text":"Most of the time, what I tend to do is if we use the majority of it for property, whether residential or commercial, anything in excess of that that, you know, contribution can be invested alongside it.","start":252.76,"end":265.215,"sentiment":"neutral","sentiment_score":0.08733355264003212},{"text":"We can have an account that linked in a bank account for the property and then an investment account for the portfolio next to it.","start":265.215,"end":272.52,"sentiment":"neutral","sentiment_score":0.07644641235470771},{"text":"Perfect.","start":276.28,"end":276.68,"sentiment":"positive","sentiment_score":0.5083410739898682},{"text":"No.","start":276.68,"end":276.84,"sentiment":"neutral","sentiment_score":0.254153847694397}],"sentiment":"neutral","sentiment_score":0.12592812496073105,"num_words":85,"start":245.48,"end":276.84},{"sentences":[{"text":"Thank you very much for letting me know that.","start":276.84,"end":278.53998,"sentiment":"positive","sentiment_score":0.46486764815118575},{"text":"Yeah.","start":283.87997,"end":284.12,"sentiment":"neutral","sentiment_score":0.16847272217273712},{"text":"Yep.","start":284.12,"end":284.59998,"sentiment":"neutral","sentiment_score":0.22290447354316711},{"text":"They called me the SMSF specialist in the office.","start":284.59998,"end":286.91998,"sentiment":"neutral","sentiment_score":0.18974693947368199},{"text":"So I've been doing it for about twelve years or so.","start":286.91998,"end":289.05502,"sentiment":"neutral","sentiment_score":0.2210920195687901}],"sentiment":"neutral","sentiment_score":0.2811264741805292,"num_words":31,"start":276.84,"end":289.05502},{"sentences":[{"text":"So when it comes time, I can more than happy to help you out with that and get it all set up.","start":289.05502,"end":293.635,"sentiment":"positive","sentiment_score":0.5512090040878816},{"text":"Whether you've got I'm sorry.","start":294.73502,"end":296.975,"sentiment":"neutral","sentiment_score":0.0019322134554386138},{"text":"It's probably for the setup.","start":296.975,"end":300.815,"sentiment":"neutral","sentiment_score":0.008365892805159092},{"text":"We do have a couple of network that do self managed super fund setups with us.","start":300.815,"end":305.97,"sentiment":"neutral","sentiment_score":0.12592715863138437},{"text":"So whoever you need at the time, I'll be ready for it.","start":306.19,"end":309.57,"sentiment":"neutral","sentiment_score":0.17568221439917883}],"sentiment":"neutral","sentiment_score":0.27168516220214467,"num_words":60,"start":289.05502,"end":309.57},{"sentences":[{"text":"Yes.","start":331.14,"end":331.64,"sentiment":"neutral","sentiment_score":0.008487801998853683},{"text":"And with the recent legislation changes, where they were banning the residential property inside.","start":331.7,"end":336.52,"sentiment":"neutral","sentiment_score":-0.02922389336994716},{"text":"People were kind of scrambling to get it set up before the due date.","start":337.30002,"end":340.42,"sentiment":"neutral","sentiment_score":-0.09344545006752014},{"text":"And yep.","start":340.42,"end":347.175,"sentiment":"neutral","sentiment_score":-0.029063234105706215},{"text":"Yeah.","start":355.54,"end":355.78,"sentiment":"neutral","sentiment_score":0.19805212318897247}],"sentiment":"neutral","sentiment_score":-0.049029917223379016,"num_words":32,"start":331.14,"end":355.78},{"sentences":[{"text":"That's awesome.","start":355.78,"end":356.5,"sentiment":"positive","sentiment_score":0.47781386971473694},{"text":"I've had a few people that have set up I've done some funky ones in my time.","start":356.5,"end":360.58002,"sentiment":"positive","sentiment_score":0.3453896834569819},{"text":"I've done theme park and caravan parks and people who are doing, like, on-site property management businesses through there.","start":360.58002,"end":367.56,"sentiment":"neutral","sentiment_score":0.24918487824891744},{"text":"So, yeah, when it comes time, I'll I'll help you out with it.","start":367.78,"end":370.755,"sentiment":"neutral","sentiment_score":0.305536218560659},{"text":"Yes.","start":388.15,"end":388.65,"sentiment":"neutral","sentiment_score":0.12651334702968595}],"sentiment":"neutral","sentiment_score":0.3011586391008817,"num_words":52,"start":355.78,"end":388.65},{"sentences":[{"text":"Alright.","start":394.31,"end":394.63,"sentiment":"neutral","sentiment_score":0.19235633313655853},{"text":"A 100,000 purchase price.","start":394.63,"end":396.97,"sentiment":"neutral","sentiment_score":0.185661468654871},{"text":"I'm gonna add this to your goal section.","start":397.75,"end":400.25,"sentiment":"neutral","sentiment_score":0.27410732209682465},{"text":"That way, when we catch up in, say, six to twelve months of time, I can track that with you.","start":400.885,"end":406.025,"sentiment":"neutral","sentiment_score":0.18366846740245818},{"text":"And these days, they've relaxed the lending a little bit.","start":406.325,"end":409.125,"sentiment":"neutral","sentiment_score":0.13376370891928674}],"sentiment":"neutral","sentiment_score":0.18927598190169,"num_words":43,"start":394.31,"end":409.125},{"sentences":[{"text":"Like, you you basically need a 20% deposit plus a bit of cost on top and a bit of a cash buffer.","start":409.125,"end":414.48502,"sentiment":"neutral","sentiment_score":0.12592555785721},{"text":"The 200 sounds pretty good as a correct.","start":414.48502,"end":423.9875,"sentiment":"neutral","sentiment_score":0.2869542157277465},{"text":"Yeah.","start":431.215,"end":431.535,"sentiment":"neutral","sentiment_score":0.1309446394443512},{"text":"And, hopefully, if the stock market grows for the next two years, you're gonna get some good double digit returns and that'll help.","start":431.535,"end":438.51498,"sentiment":"neutral","sentiment_score":0.2237898179370424},{"text":"If it does crash, that's gonna cause a bit of an issue and delay it.","start":438.57498,"end":442.035,"sentiment":"negative","sentiment_score":-0.33523684144020083}],"sentiment":"neutral","sentiment_score":0.07703701201556386,"num_words":69,"start":409.125,"end":442.035},{"sentences":[{"text":"So This one's pretty straightforward, to be honest.","start":444.735,"end":448.55002,"sentiment":"neutral","sentiment_score":0.23028078116476536},{"text":"So outside of the the beneficiaries that we were sorting out yep.","start":448.55002,"end":453.27002,"sentiment":"neutral","sentiment_score":0.053226809948682785},{"text":"All done.","start":453.27002,"end":454.01,"sentiment":"neutral","sentiment_score":0.12160840258002278},{"text":"Couple little points I'll just quickly touch on.","start":455.51,"end":457.51,"sentiment":"neutral","sentiment_score":0.06569612445309758},{"text":"So assets and liabilities, any major changes I need to note down?","start":457.51,"end":461.175,"sentiment":"neutral","sentiment_score":0.01666035767023762}],"sentiment":"neutral","sentiment_score":0.08213519194119033,"num_words":42,"start":444.735,"end":461.175},{"sentences":[{"text":"No.","start":464.85498,"end":465.01498,"sentiment":"neutral","sentiment_score":-0.10895277559757233},{"text":"Cool.","start":465.01498,"end":465.51498,"sentiment":"neutral","sentiment_score":-0.005626700818538666},{"text":"The couple of quick compliance points I wanted to run by you was that when you had that discussion with Kyle, you'd scored as a growth investor for a risk profile, but we're basically agreeing to stay high growth and try and get those high long term returns.","start":467.175,"end":478.91,"sentiment":"neutral","sentiment_score":0.12394592173707981},{"text":"Does does that sort of ring a bell?","start":478.91,"end":480.53,"sentiment":"neutral","sentiment_score":0.09373335633426905},{"text":"Yeah.","start":501.34,"end":501.66,"sentiment":"neutral","sentiment_score":0.2256658673286438}],"sentiment":"neutral","sentiment_score":0.11542978788078842,"num_words":59,"start":464.85498,"end":501.66},{"sentences":[{"text":"It all averages out in the end as long as you've got enough time to to let that happen.","start":501.66,"end":505.84,"sentiment":"positive","sentiment_score":0.45922200460182994},{"text":"And this one's pretty easy, to be honest.","start":509.42,"end":511.1,"sentiment":"positive","sentiment_score":0.5538198985159397},{"text":"Like, the the capital gains tax of switching the investments around was a couple of $100 instead of a couple of thousand.","start":511.1,"end":516.935,"sentiment":"positive","sentiment_score":0.39852775091474707},{"text":"You make up double that in reducing investment fees and double the performance for the portfolio.","start":517.795,"end":523.735,"sentiment":"positive","sentiment_score":0.40773382503539324},{"text":"The only couple of things I'll point out is just in terms of asset allocation.","start":524.195,"end":529.175,"sentiment":"neutral","sentiment_score":0.10259002422293027}],"sentiment":"positive","sentiment_score":0.3748247419949621,"num_words":80,"start":501.66,"end":529.175},{"sentences":[{"text":"So what we're doing is we're switching a a decent portion of what you had in cash into, like, fixed interest in terms of and just switching out some of those underperforming options that you had.","start":530.65,"end":544.905,"sentiment":"neutral","sentiment_score":0.0965719045036369},{"text":"Cool.","start":548.98505,"end":549.465,"sentiment":"neutral","sentiment_score":0.1554064303636551},{"text":"Well, keep an eye on the insurances too because, obviously, as your life changes, we may need to alter them.","start":549.465,"end":555.465,"sentiment":"neutral","sentiment_score":0.007328001409769058},{"text":"And I just wanna keep an eye on premium because if that keeps jumping up, which it definitely does through the 50, that's gonna stop you from hitting that SMSF goal if you start paying $10 at your super speed.","start":555.465,"end":567.77,"sentiment":"neutral","sentiment_score":-0.011191833810880781},{"text":"Yep.","start":572.845,"end":573.085,"sentiment":"neutral","sentiment_score":-0.02213112637400627}],"sentiment":"neutral","sentiment_score":0.03376276063143599,"num_words":98,"start":530.65,"end":573.085},{"sentences":[{"text":"So at the moment, it's okay to keep it in place for the time being, but the moment we get close to that policy anniversary, I've included a certificate in this pack as well, which I'm just gonna quickly check the date.","start":573.085,"end":585.105,"sentiment":"neutral","sentiment_score":0.06619588933175519},{"text":"So the policy anniversary has just gone by, which is great.","start":585.40497,"end":589.64996,"sentiment":"positive","sentiment_score":0.3737866092811931},{"text":"Once we get to this time next year, if it's jumped up to $3,000, I'm gonna have to basically just jump on with you, trim it down, shop around.","start":590.91,"end":598.61,"sentiment":"neutral","sentiment_score":-0.06423247708328839},{"text":"And so that's why I wanna make sure we can get in touch maybe before end of financial year next year for the next yeah.","start":598.91,"end":615.33,"sentiment":"neutral","sentiment_score":0.07741368867456913},{"text":"Awesome.","start":621.81,"end":622.29004,"sentiment":"positive","sentiment_score":0.6848064064979553}],"sentiment":"neutral","sentiment_score":0.07082673001827465,"num_words":108,"start":573.085,"end":622.29004},{"sentences":[{"text":"So that's a a bit better for sure.","start":622.29004,"end":624.39,"sentiment":"positive","sentiment_score":0.47078004851937294},{"text":"The only other thing we've got in there is just in terms of service agreement.","start":624.93,"end":628.37,"sentiment":"neutral","sentiment_score":0.1010000189145406},{"text":"So it won't affect you.","start":628.37,"end":629.99,"sentiment":"neutral","sentiment_score":0.09203061759471894},{"text":"Basically, it'll it'll kind of never affect you, but we have changed our our fee structures to people above 200,000, above 500,000, above 1,000,000.","start":630.41504,"end":638.275,"sentiment":"neutral","sentiment_score":0.059635196502010025},{"text":"But what'll end up happening to you is you'll build it up to 200,000, and then it'll get used for the property purchase.","start":638.495,"end":644.89,"sentiment":"neutral","sentiment_score":0.17928532025088434}],"sentiment":"neutral","sentiment_score":0.15061601122220358,"num_words":75,"start":622.29004,"end":644.89},{"sentences":[{"text":"And then there will just be that small portfolio on the side.","start":645.03,"end":648.15,"sentiment":"neutral","sentiment_score":0.20772696286439896},{"text":"So there'll be no changes to any kind of fee percentages for you, pretty much the entire time.","start":648.15,"end":653.45,"sentiment":"neutral","sentiment_score":0.22520071433650124},{"text":"Yeah.","start":660.555,"end":660.795,"sentiment":"neutral","sentiment_score":0.1123560667037964},{"text":"So what we'll do is the first document signs the statement of advice for the investment switch.","start":660.795,"end":665.77496,"sentiment":"neutral","sentiment_score":0.12173366415150025},{"text":"The second document signs the consent form with the super fund for us.","start":665.83496,"end":669.615,"sentiment":"neutral","sentiment_score":0.1576233168060963}],"sentiment":"neutral","sentiment_score":0.17667652275718626,"num_words":61,"start":645.03,"end":669.615},{"sentences":[{"text":"And then everything after that is just four documents to keep on file for you, which you can basically just get next document and it'll finalize.","start":669.8,"end":677.5,"sentiment":"neutral","sentiment_score":0.10815146594093396},{"text":"Yep.","start":688.855,"end":689.255,"sentiment":"neutral","sentiment_score":0.050986822694540024},{"text":"And then once that's done, there's, like, next document, next document.","start":689.255,"end":692.935,"sentiment":"neutral","sentiment_score":0.06764111159877344},{"text":"Once you get to the end, it'll have a validate button.","start":692.935,"end":695.94,"sentiment":"neutral","sentiment_score":0.09136348895051262},{"text":"Sometimes it takes thirty seconds to do the spinning circles to load, and then it'll ask if you want to save a a copy or you'll get emailed a signed copy.","start":696.16003,"end":704.10004,"sentiment":"neutral","sentiment_score":0.0792123913284271}],"sentiment":"neutral","sentiment_score":0.08834449592977762,"num_words":80,"start":669.8,"end":704.10004},{"sentences":[{"text":"Yeah.","start":714.25494,"end":714.65497,"sentiment":"neutral","sentiment_score":-0.025871720165014267},{"text":"And then from there, the next three three four is just next document, next document.","start":714.65497,"end":719.44,"sentiment":"neutral","sentiment_score":0.03013945644100507},{"text":"There is a service guide update for us with privacy policy and licensing detail.","start":719.44,"end":723.62,"sentiment":"neutral","sentiment_score":0.07134984194168023},{"text":"No worries.","start":729.83997,"end":730.5,"sentiment":"neutral","sentiment_score":0.14293739199638367},{"text":"Yes.","start":758.175,"end":758.675,"sentiment":"neutral","sentiment_score":0.19258973002433777}],"sentiment":"neutral","sentiment_score":0.05768431598941485,"num_words":33,"start":714.25494,"end":758.675},{"sentences":[{"text":"Yeah.","start":774.51,"end":774.91003,"sentiment":"neutral","sentiment_score":0.1764788180589676},{"text":"The the regular investment But for the lump sum, basically, if you have any kind of business accounts or offset accounts or anything like that, most people do a double dip where they keep it in there for the year, put it in in June, and then we help them do a notice of intent to claim form for the tax.","start":774.91003,"end":797.795,"sentiment":"neutral","sentiment_score":0.13234226118590012},{"text":"So I'll play the account for that.","start":801.97003,"end":803.73004,"sentiment":"neutral","sentiment_score":0.1625349915453366},{"text":"It's called an NOI.","start":803.73004,"end":804.87,"sentiment":"neutral","sentiment_score":0.14535200968384743},{"text":"And then that way, when we come in time to June, I'll go through the contributions.","start":805.09,"end":808.95,"sentiment":"neutral","sentiment_score":0.16822609771043062}],"sentiment":"neutral","sentiment_score":0.1422486212732417,"num_words":89,"start":774.51,"end":808.95},{"sentences":[{"text":"If we do the lump sum, I'll help you with paperwork, and then we'll just track what we do with the insurances and then how we're going to get the.","start":809.33,"end":816.65497,"sentiment":"neutral","sentiment_score":0.2087889328598976},{"text":"That's alright.","start":824.93,"end":825.67,"sentiment":"neutral","sentiment_score":0.27221687138080597},{"text":"That's come through some on my end.","start":825.88995,"end":827.41,"sentiment":"positive","sentiment_score":0.36793304341179983},{"text":"Thank you very much for that, Richard.","start":827.41,"end":828.94995,"sentiment":"positive","sentiment_score":0.7790949855531965},{"text":"Any questions on your end at this point?","start":831.08997,"end":833.26996,"sentiment":"neutral","sentiment_score":-0.08144231280311942}],"sentiment":"neutral","sentiment_score":0.26269924868312144,"num_words":54,"start":809.33,"end":833.26996},{"sentences":[{"text":"Yep.","start":850.75,"end":851.25,"sentiment":"neutral","sentiment_score":0.1321723461151123},{"text":"Yeah.","start":860.43005,"end":860.75,"sentiment":"neutral","sentiment_score":0.03161786496639252},{"text":"And then what we basically do with the brokers is when it comes time to loan time, we've got all the information as well on the entities that get set up, like the trust fund, the corporate trustees, the bare trust, and everything for the loan.","start":860.75,"end":873.445,"sentiment":"neutral","sentiment_score":0.044855479596425656},{"text":"And we can get all that through to them, help move the funds across to the bank account in time for settlement, and basically just liaise a bit of a triangle between broker and accountant for you.","start":873.66504,"end":889.64,"sentiment":"neutral","sentiment_score":0.11525200166412301},{"text":"Yeah.","start":890.1,"end":890.42,"sentiment":"neutral","sentiment_score":0.08985936641693115}],"sentiment":"neutral","sentiment_score":0.07652704302914613,"num_words":86,"start":850.75,"end":890.42},{"sentences":[{"text":"Just see how for them to see what quotes are like and how else is that?","start":890.42,"end":893.8,"sentiment":"neutral","sentiment_score":0.07574558001942933},{"text":"Yeah.","start":906.85,"end":907.09,"sentiment":"neutral","sentiment_score":0.14833036065101624},{"text":"Yep.","start":907.09,"end":907.41,"sentiment":"neutral","sentiment_score":0.2837321162223816},{"text":"It's going through perfectly, mate.","start":907.41,"end":908.77,"sentiment":"positive","sentiment_score":0.5760165333747864},{"text":"So you have a fantastic weekend.","start":908.77,"end":910.87,"sentiment":"positive","sentiment_score":0.6962632636229197}],"sentiment":"neutral","sentiment_score":0.3000570346826109,"num_words":29,"start":890.42,"end":910.87},{"sentences":[{"text":"Do you want me to put any contact points in before the end of the year or just kind of cut base around in the financial year unless something comes up?","start":911.01,"end":917.59,"sentiment":"neutral","sentiment_score":-0.035502353623028726},{"text":"Yep.","start":932.625,"end":932.945,"sentiment":"neutral","sentiment_score":0.0262603759765625},{"text":"Okay.","start":932.945,"end":933.445,"sentiment":"neutral","sentiment_score":0.026354381814599037},{"text":"Yep.","start":951.955,"end":952.455,"sentiment":"neutral","sentiment_score":0.1007404923439026},{"text":"It's fine.","start":952.835,"end":953.555,"sentiment":"neutral","sentiment_score":0.14242560416460037}],"sentiment":"neutral","sentiment_score":-0.01839906955137849,"num_words":36,"start":911.01,"end":953.555},{"sentences":[{"text":"Okay.","start":953.555,"end":954.055,"sentiment":"neutral","sentiment_score":0.08739583194255829},{"text":"Yeah.","start":954.195,"end":954.515,"sentiment":"neutral","sentiment_score":-0.005746353883296251},{"text":"So January will be good, and we'll just see how you're tracking contributions, whether you need to increase it.","start":954.515,"end":959.25,"sentiment":"positive","sentiment_score":0.5904490571273001},{"text":"And I guess that'll help with your business cash flow and what you do with it as well.","start":959.25,"end":963.91003,"sentiment":"positive","sentiment_score":0.5396985544098748},{"text":"Anytime, Richard, and have a good weekend.","start":971.0589,"end":973.8789,"sentiment":"positive","sentiment_score":0.7269758922713143}],"sentiment":"positive","sentiment_score":0.5674692780164111,"num_words":46,"start":953.555,"end":973.8789},{"sentences":[{"text":"Yes.","start":977.6189,"end":977.9389,"sentiment":"neutral","sentiment_score":0.2808917760848999},{"text":"Bye.","start":977.9389,"end":978.4389,"sentiment":"neutral","sentiment_score":0.23659712076187137}],"sentiment":"neutral","sentiment_score":0.2587444484233856,"num_words":2,"start":977.6189,"end":978.4389}]}}]},{"alternatives":[{"transcript":"Hello? Tommy, can you hear me? I'm good. Can I ask you to please keep an eye on your your chat? I've got Richard Kemp Hayes on the phone. Are you able to talk to him? Yep. Nope. That's okay. I popped it in Paternity Pals, and I popped it in a personal one as well. I'm gonna put him through. He has been ID'd. He's okay. Alright? Okay. That's okay. No worries. Fine. Yes. Yep. I know I still got them on Gmail, ma'am. Okay. Here we go. Yep. Updated document. Alright. Yep. Statement of advice. Yep. Yeah. I'm just have a look at the alright. Sorry. What was that? Yeah. It's got a building in the background with statement advice. Yep. It's got advice. That's Higley's situation. Right. They're entering. You come up with another week. Yeah. Yeah. Yeah. I do have a sort of new I sorta have a new goal now of what what I want. In about two years' time, I actually wanna turn my super into, like, using it to buy a business buy a building for the business. I wanna invest yes. Yeah. Just under two years, because our current lease is up in two years, and I know they're gonna demolish the building. So instead instead of paying a thousand dollars a week rent, I can pay a thousand dollars a week into my own building. Yep. Yep. Yeah. Yeah. Yeah. So do you guys do you guys help help people out with that sort of thing? Or yep. Alright. Cool. Yeah. No worries. Alright. Sweet. That way, at least I know I can go through you guys and and do it, and I don't have to, you know, run around all over the place because that was the one thing that was making me a little bit apprehensive about doing it is actually doing it with someone that knows what the hell they're doing. Yeah. Yeah. Mine yeah. Mine's a 100% for commercial. So that's that's where I'm headed anyway. So that way, when I do retire, I can still leave off of the the rent off of it. Oh, yeah. Oh, awesome. Thank you. Can you yeah. If you could write that in there or anything like that or just keep a note of that because I need to put a bit more into my super. So I need to probably have about 200,000 in there, won't I, in about a year and a half. It's something like that because it's probably gonna be around 800,000. Mhmm. Yeah. Yep. Yeah. Because that's, like, 25% then, isn't it? So if I'm yeah. Yeah. Cool. No worries. So I know I need about a $100,000 over the next two years because I think my bank No. Yeah. Cool. Yeah. I just went through it then. Yeah. Not. Yes. Yeah. And that's what I wanna do. I wanna keep trying to aim at that because I'd rather not buy a return to me. I know it's a bit riskier, but at at the end of the day, you know, it's a bit off, I guess, outcome in the end. You know what I mean? If if things go well. Yeah. Absolutely. Yeah. Yep. Yeah. No. Cool. Yes. Yeah. Which I don't wanna be doing. Mhmm. Yep. Yeah. Well, see, I'm just teaching now. I don't even I don't wrestle. I don't do anything in my classes anymore. No. I'm just a I'm just a coach on the sideline, basically, and and that's about it. Yep. Yeah. Yeah. Sweet. So I just I just sign this down here at the bottom. Yep. Right. Okay. Yeah. So I'll just hit I'll just hit assign all and then put the date in. And then next document. Okay. Yeah. I think I've signed everything. Not seeing more signatures. So yeah. Yeah. Which is on client team now. It's just loading for me. So what I'm thinking about doing is about I'm just because I'm not paying myself any super out of the business just at the moment, I'm just gonna chuck in, like, a $100 a week towards until the end of the year, and then I'll chuck in another lump sum at the end of the year and see where we're at. I might even do it halfway through the year, or I might even just chuck $200 a week in there. Does that all help bump up special with the investments and that sort of thing, won't it? Okay. Yeah. Alright. Okay. Yep. I'm just I think I'm just waiting for it to load again. No. No. Not at all. I yeah. I just want to know that you guys can do the help me with the self managed super fund with getting set up and once I find a property and a lender and all that sort of stuff. I do have a mortgage broker friend, so he's gonna help me out with that part of thing. And if I've got you guys to help me out with the the self money super fund side of things, that would be unreal. Yes. Awesome. Thank you. Yeah. I've got a good accountant as well. So yeah. Cool. That that's No worries. Thank you so much. See it. Oh, what is going on here? Oh, there we go. Done. I think that's all gone through now, hasn't it? Yeah. Maybe contact me probably January, or I can just see where we're at and see what I need to be putting in to try and get it up around that mark. Just because I I I'm actually going to this a fair bit. Like because I I want out of my lease. I mean, the lease is gonna be up in a year and a half or a bit over a year and a half under a year and a half now. So I think it's it's July 2028. So just under two years. Yeah. Absolutely. Well, no worries. Well, thank you so much, mate. Yeah. You too, mate. I'll catch you soon. 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Tommy, can you hear me? I'm good. Can I ask you to please keep an eye on your your chat? I've got Richard Kemp Hayes on the phone.\n\nAre you able to talk to him? Yep. Nope. That's okay. I popped it in Paternity Pals, and I popped it in a personal one as well.\n\nI'm gonna put him through. He has been ID'd. He's okay. Alright? Okay.\n\nThat's okay. No worries. Fine. Yes. Yep.\n\nI know I still got them on Gmail, ma'am. Okay. Here we go. Yep. Updated document.\n\nAlright. Yep. Statement of advice. Yep. Yeah.\n\nI'm just have a look at the alright. Sorry. What was that? Yeah. It's got a building in the background with statement advice.\n\nYep. It's got advice. That's Higley's situation. Right. They're entering.\n\nYou come up with another week. Yeah. Yeah. Yeah. I do have a sort of new I sorta have a new goal now of what what I want.\n\nIn about two years' time, I actually wanna turn my super into, like, using it to buy a business buy a building for the business. I wanna invest yes. Yeah. Just under two years, because our current lease is up in two years, and I know they're gonna demolish the building. So instead instead of paying a thousand dollars a week rent, I can pay a thousand dollars a week into my own building.\n\nYep. Yep. Yeah. Yeah. Yeah.\n\nSo do you guys do you guys help help people out with that sort of thing? Or yep. Alright. Cool. Yeah.\n\nNo worries. Alright. Sweet. That way, at least I know I can go through you guys and and do it, and I don't have to, you know, run around all over the place because that was the one thing that was making me a little bit apprehensive about doing it is actually doing it with someone that knows what the hell they're doing. Yeah.\n\nYeah. Mine yeah. Mine's a 100% for commercial. So that's that's where I'm headed anyway. So that way, when I do retire, I can still leave off of the the rent off of it.\n\nOh, yeah. Oh, awesome. Thank you. Can you yeah. If you could write that in there or anything like that or just keep a note of that because I need to put a bit more into my super.\n\nSo I need to probably have about 200,000 in there, won't I, in about a year and a half. It's something like that because it's probably gonna be around 800,000. Mhmm. Yeah. Yep.\n\nYeah. Because that's, like, 25% then, isn't it? So if I'm yeah. Yeah. Cool.\n\nNo worries. So I know I need about a $100,000 over the next two years because I think my bank No. Yeah. Cool. Yeah.\n\nI just went through it then. Yeah. Not. Yes. Yeah.\n\nAnd that's what I wanna do. I wanna keep trying to aim at that because I'd rather not buy a return to me. I know it's a bit riskier, but at at the end of the day, you know, it's a bit off, I guess, outcome in the end. You know what I mean? If if things go well.\n\nYeah. Absolutely. Yeah. Yep. Yeah.\n\nNo. Cool. Yes. Yeah. Which I don't wanna be doing.\n\nMhmm. Yep. Yeah. Well, see, I'm just teaching now. I don't even I don't wrestle.\n\nI don't do anything in my classes anymore. No. I'm just a I'm just a coach on the sideline, basically, and and that's about it. Yep. Yeah.\n\nYeah. Sweet. So I just I just sign this down here at the bottom. Yep. Right.\n\nOkay. Yeah. So I'll just hit I'll just hit assign all and then put the date in. And then next document. Okay.\n\nYeah. I think I've signed everything. Not seeing more signatures. So yeah. Yeah.\n\nWhich is on client team now. It's just loading for me. So what I'm thinking about doing is about I'm just because I'm not paying myself any super out of the business just at the moment, I'm just gonna chuck in, like, a $100 a week towards until the end of the year, and then I'll chuck in another lump sum at the end of the year and see where we're at. I might even do it halfway through the year, or I might even just chuck $200 a week in there. Does that all help bump up special with the investments and that sort of thing, won't it?\n\nOkay. Yeah. Alright. Okay. Yep.\n\nI'm just I think I'm just waiting for it to load again. No. No. Not at all. I yeah.\n\nI just want to know that you guys can do the help me with the self managed super fund with getting set up and once I find a property and a lender and all that sort of stuff. I do have a mortgage broker friend, so he's gonna help me out with that part of thing. And if I've got you guys to help me out with the the self money super fund side of things, that would be unreal. Yes. Awesome.\n\nThank you. Yeah. I've got a good accountant as well. So yeah. Cool.\n\nThat that's No worries. Thank you so much. See it. Oh, what is going on here? Oh, there we go.\n\nDone. I think that's all gone through now, hasn't it? Yeah. Maybe contact me probably January, or I can just see where we're at and see what I need to be putting in to try and get it up around that mark. Just because I I I'm actually going to this a fair bit.\n\nLike because I I want out of my lease. I mean, the lease is gonna be up in a year and a half or a bit over a year and a half under a year and a half now. So I think it's it's July 2028. So just under two years. Yeah.\n\nAbsolutely. Well, no worries. Well, thank you so much, mate. Yeah. You too, mate.\n\nI'll catch you soon. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.021109389141201973},{"text":"Tommy, can you hear me?","start":4.16,"end":5.54,"sentiment":"neutral","sentiment_score":0.017082445323467255},{"text":"I'm good.","start":8.4,"end":9.3,"sentiment":"positive","sentiment_score":0.5827792882919312},{"text":"Can I ask you to please keep an eye on your your chat?","start":9.36,"end":14.5,"sentiment":"neutral","sentiment_score":0.1357194437430455},{"text":"I've got Richard Kemp Hayes on the phone.","start":14.865,"end":17.345,"sentiment":"neutral","sentiment_score":0.05131978774443269}],"sentiment":"neutral","sentiment_score":0.11886176768818806,"num_words":29,"start":1.28,"end":17.345},{"sentences":[{"text":"Are you able to talk to 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again.","start":819.28,"end":822.74,"sentiment":"neutral","sentiment_score":0.16341014268497625},{"text":"No.","start":829.53503,"end":830.03503,"sentiment":"neutral","sentiment_score":-0.03847559541463852},{"text":"No.","start":834.175,"end":834.335,"sentiment":"neutral","sentiment_score":-0.127538800239563},{"text":"Not at all.","start":834.335,"end":834.815,"sentiment":"neutral","sentiment_score":-0.13120323171218237},{"text":"I yeah.","start":834.815,"end":835.455,"sentiment":"neutral","sentiment_score":0.03996072709560395}],"sentiment":"neutral","sentiment_score":0.07795889871685129,"num_words":19,"start":819.28,"end":835.455},{"sentences":[{"text":"I just want to know that you guys can do the help me with the self managed super fund with getting set up and once I find a property and a lender and all that sort of stuff.","start":835.455,"end":846.95,"sentiment":"neutral","sentiment_score":0.17894074031592985},{"text":"I do have a mortgage broker friend, so he's gonna help me out with that part of thing.","start":846.95,"end":852.435,"sentiment":"neutral","sentiment_score":0.10395615009797944},{"text":"And if I've got you guys to help me out with the the self money super fund side of things, that would be unreal.","start":852.435,"end":858.775,"sentiment":"neutral","sentiment_score":-0.1713194108257691},{"text":"Yes.","start":874.01,"end":874.51,"sentiment":"neutral","sentiment_score":0.11189477890729904},{"text":"Awesome.","start":884.785,"end":885.285,"sentiment":"positive","sentiment_score":0.4966624975204468}],"sentiment":"neutral","sentiment_score":0.06302256402900307,"num_words":82,"start":835.455,"end":885.285},{"sentences":[{"text":"Thank you.","start":885.345,"end":885.745,"sentiment":"positive","sentiment_score":0.6508288383483887},{"text":"Yeah.","start":885.745,"end":885.985,"sentiment":"positive","sentiment_score":0.3779149055480957},{"text":"I've got a good accountant as well.","start":885.985,"end":887.425,"sentiment":"neutral","sentiment_score":0.31906199881008696},{"text":"So yeah.","start":887.425,"end":888.625,"sentiment":"neutral","sentiment_score":0.27878426015377045},{"text":"Cool.","start":888.625,"end":889.125,"sentiment":"positive","sentiment_score":0.4185812473297119}],"sentiment":"positive","sentiment_score":0.3760889493502103,"num_words":13,"start":885.345,"end":889.125},{"sentences":[{"text":"That that's No worries.","start":889.22,"end":895.87,"sentiment":"neutral","sentiment_score":0.1793791651725769},{"text":"Thank you so much.","start":895.87,"end":897.01,"sentiment":"positive","sentiment_score":0.509025901556015},{"text":"See it.","start":897.38995,"end":898.13,"sentiment":"neutral","sentiment_score":0.25069326162338257},{"text":"Oh, what is going on here?","start":899.14996,"end":900.61,"sentiment":"neutral","sentiment_score":0.033798446878790855},{"text":"Oh, there we go.","start":900.99,"end":901.88995,"sentiment":"neutral","sentiment_score":0.02251448668539524}],"sentiment":"neutral","sentiment_score":0.17739277090877295,"num_words":20,"start":889.22,"end":901.88995},{"sentences":[{"text":"Done.","start":902.75,"end":903.23,"sentiment":"neutral","sentiment_score":0.05691415071487427},{"text":"I think that's all gone through now, hasn't it?","start":903.23,"end":905.49,"sentiment":"neutral","sentiment_score":0.08049550073014365},{"text":"Yeah.","start":917.97504,"end":918.29504,"sentiment":"neutral","sentiment_score":-0.03156650811433792},{"text":"Maybe contact me probably January, or I can just see where we're at and see what I need to be putting in to try and get it up around that mark.","start":918.29504,"end":930.45,"sentiment":"neutral","sentiment_score":-0.05391653386815902},{"text":"Just because I I I'm actually going to this a fair bit.","start":931.07,"end":934.67,"sentiment":"neutral","sentiment_score":0.0010098359392335017}],"sentiment":"neutral","sentiment_score":-0.016842358693894412,"num_words":54,"start":902.75,"end":934.67},{"sentences":[{"text":"Like because I I want out of my lease.","start":934.67,"end":937.105,"sentiment":"neutral","sentiment_score":-0.03321688208315107},{"text":"I mean, the lease is gonna be up in a year and a half or a bit over a year and a half under a year and a half now.","start":937.105,"end":941.985,"sentiment":"neutral","sentiment_score":0.011464818567037582},{"text":"So I think it's it's July 2028.","start":941.985,"end":946.485,"sentiment":"neutral","sentiment_score":0.02803258863942964},{"text":"So just under two years.","start":948.305,"end":950.005,"sentiment":"neutral","sentiment_score":0.022584424167871476},{"text":"Yeah.","start":964.19995,"end":964.43994,"sentiment":"positive","sentiment_score":0.5079187154769897}],"sentiment":"neutral","sentiment_score":0.016578107212598506,"num_words":52,"start":934.67,"end":964.43994},{"sentences":[{"text":"Absolutely.","start":964.43994,"end":964.93994,"sentiment":"positive","sentiment_score":0.6373617649078369},{"text":"Well, no worries.","start":965.16,"end":966.255,"sentiment":"positive","sentiment_score":0.5119842290878296},{"text":"Well, thank you so much, mate.","start":966.495,"end":968.275,"sentiment":"positive","sentiment_score":0.8313020269076029},{"text":"Yeah.","start":974.175,"end":974.495,"sentiment":"positive","sentiment_score":0.4825356602668762},{"text":"You too, mate.","start":974.495,"end":975.135,"sentiment":"positive","sentiment_score":0.4971153438091278}],"sentiment":"positive","sentiment_score":0.6525005932365145,"num_words":14,"start":964.43994,"end":975.135},{"sentences":[{"text":"I'll catch you soon.","start":975.135,"end":976.03503,"sentiment":"positive","sentiment_score":0.5370397865772247},{"text":"Bye.","start":978.815,"end":979.315,"sentiment":"neutral","sentiment_score":-0.11975666880607604}],"sentiment":"positive","sentiment_score":0.40568049550056456,"num_words":5,"start":975.135,"end":979.315}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Tommy, can you hear me?\n\nChannel 0: Yeah. How you doing?\n\nChannel 1: I'm good. Can I ask you to please keep an eye on your your chat? I've got Richard Kemp Hayes on the phone. Are you able to talk to him?\n\nChannel 0: Oh, yeah. Yeah. Yeah. Sorry.\n\nChannel 1: Yep. Nope. That's okay. I popped it in Paternity Pals, and I popped it in a personal one as well. I'm gonna put him through.\n\nHe has been ID'd. He's okay. Alright?\n\nChannel 0: Perfect. Go for it. Thank you so much.\n\nChannel 1: Okay. That's okay.\n\nChannel 0: Good morning, Richard. Tommy here, mate. Thanks for calling back in.\n\nChannel 1: No worries. Fine.\n\nChannel 0: Now what I've got for you today is just a bit of an updated strategy since your last conversation.\n\nChannel 1: Yes.\n\nChannel 0: What I'd like to just quickly do is send it through to your inbox in Gmail. Will you be able to look on to the documents with me today?\n\nChannel 1: Yep.\n\nChannel 0: Oh, alright. I'll pop that through. It goes through pretty quickly with the new system. I think you've used it before. It probably won't go to your spam folder, but let me know if the statement of advice email comes through.\n\nChannel 1: I know I still got them on Gmail, ma'am.\n\nChannel 0: Oh, no worries at all. How's the end of the week going? We call you a busy time?\n\nChannel 1: Okay. Here we go. Yep. Updated document. Alright.\n\nYep. Statement of advice. Yep.\n\nChannel 0: Yep. Now when you open up that purple button, it should bring open six documents. The main one to review is a statement of advice. Everything else is just some documents and supporting research.\n\nChannel 1: Yeah. I'm just have a look at the\n\nChannel 0: You should\n\nChannel 1: alright.\n\nChannel 0: see can you see that first document with the Gold Coast City picture on it with the statement of the device when you open it up?\n\nChannel 1: Sorry. What was that?\n\nChannel 0: When you open up the the first document, it should have a picture of the Gold Post on there with a statement of the bike heading.\n\nChannel 1: Yeah. It's got a building in the background with\n\nChannel 0: Yep. Perfect. That's the one we're after today. So if you can just have a quick scroll down through the pages three and four for me, you should see, like, a scope of advice setting.\n\nChannel 1: statement advice. Yep. It's got advice. That's Higley's situation.\n\nChannel 0: Yep.\n\nChannel 1: Right. They're entering. You come up with another week.\n\nChannel 0: Now with the insurance side of things, I know you had a bit of an updated chat with Kyle just that the insurers weren't offering a good writing while you were still\n\nChannel 1: Yeah.\n\nChannel 0: doing the the teaching for the AMA. That was the same time being. Does that ring a bell?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: I know that\n\nChannel 1: I\n\nChannel 0: we\n\nChannel 1: do\n\nChannel 0: sorted\n\nChannel 1: have a sort\n\nChannel 0: out\n\nChannel 1: of\n\nChannel 0: some\n\nChannel 1: new I sorta have a new goal now of what what\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: want. In about two years' time, I actually wanna turn my super into, like, using it to buy a business buy a building for the business. I wanna invest\n\nChannel 0: Oh, yeah. So a bit of a self funded super fund looking for national property. Alrighty. So you reckon two years time\n\nChannel 1: yes.\n\nChannel 0: for that one?\n\nChannel 1: Yeah. Just under two years, because our current lease is up in two years, and I know they're gonna demolish the\n\nChannel 0: Yep.\n\nChannel 1: building.\n\nChannel 0: Oh, wow.\n\nChannel 1: So\n\nChannel 0: That's\n\nChannel 1: instead\n\nChannel 0: alright. Okay.\n\nChannel 1: instead of paying a thousand dollars a week rent, I can pay a thousand dollars a week into my own building.\n\nChannel 0: Yeah. Okay. So when that comes time, we'll obviously do annual reviews, keep an eye on portfolios going.\n\nChannel 1: Yep.\n\nChannel 0: When that comes time for it, I can definitely give you SMSF advice, help you set it up, move things around. Most of the time, what I tend to do is if we use the majority of it for property, whether residential\n\nChannel 1: Yep.\n\nChannel 0: or commercial, anything in excess of that that, you know, contribution can be invested alongside it. We can have\n\nChannel 1: Yeah.\n\nChannel 0: an account that linked in a bank account for the property and then an investment account for the portfolio next to it.\n\nChannel 1: Yeah. Yeah. So\n\nChannel 0: Perfect. No. Thank you very much for letting\n\nChannel 1: do\n\nChannel 0: me know\n\nChannel 1: you guys\n\nChannel 0: that.\n\nChannel 1: do you guys help help people out with that sort of thing? Or\n\nChannel 0: Yeah. Yep. They called me the SMSF specialist in the office. So I've been doing it for about twelve years or so. So when it comes time, I can more than happy to help you out with that and get it all set up.\n\nChannel 1: yep.\n\nChannel 0: Whether you've got I'm sorry. It's probably for the setup. We do have a couple of network that do self managed super fund setups with us. So\n\nChannel 1: Alright.\n\nChannel 0: whoever\n\nChannel 1: Cool.\n\nChannel 0: you need at the time, I'll be ready for it.\n\nChannel 1: Yeah. No worries. Alright. Sweet. That way, at least I know I can go through you guys and and do it, and I don't have to, you know, run around all over the place because that was the one thing that was making me a little bit apprehensive about doing it is actually doing it with someone that knows what the hell they're doing.\n\nChannel 0: Yes. And with the recent legislation changes, where they were banning the residential property inside.\n\nChannel 1: Yeah.\n\nChannel 0: People\n\nChannel 1: Yeah.\n\nChannel 0: were kind\n\nChannel 1: Mine\n\nChannel 0: of scrambling to get it set up before the due date. And\n\nChannel 1: yeah. Mine's a 100% for commercial. So that's\n\nChannel 0: yep.\n\nChannel 1: that's where I'm headed anyway. So that way, when I do retire, I can still leave off of the the rent off of it.\n\nChannel 0: Yeah. That's awesome. I've had a few people that have set up I've done some funky ones in my time. I've done theme park and caravan parks and people who are doing, like, on-site property management businesses through there. So,\n\nChannel 1: Oh,\n\nChannel 0: yeah, when\n\nChannel 1: yeah.\n\nChannel 0: it comes time, I'll I'll help you out with it.\n\nChannel 1: Oh, awesome. Thank you. Can you yeah. If you could write that in there or anything like that or just keep a note of that because I need to put a bit more into my super. So I need to probably have about 200,000 in there, won't I, in about a year and a half.\n\nIt's something like\n\nChannel 0: Yes.\n\nChannel 1: that because it's probably gonna be around 800,000.\n\nChannel 0: Alright. A 100,000 purchase price. I'm gonna add this to your goal\n\nChannel 1: Mhmm.\n\nChannel 0: section. That way, when we catch up in, say, six to twelve months of time, I can track that with you. And\n\nChannel 1: Yeah.\n\nChannel 0: these days, they've relaxed the lending a little bit. Like, you you basically need a 20% deposit plus a bit of\n\nChannel 1: Yep.\n\nChannel 0: cost on top and a bit of a cash buffer. The 200 sounds pretty good as a\n\nChannel 1: Yeah. Because that's, like, 25% then, isn't it? So if I'm yeah.\n\nChannel 0: correct.\n\nChannel 1: Yeah. Cool. No worries. So I know I need about a $100,000 over the next two years because\n\nChannel 0: Yeah.\n\nChannel 1: I think my\n\nChannel 0: And,\n\nChannel 1: bank\n\nChannel 0: hopefully, if the stock market grows for the next two years, you're gonna get some good double digit returns and that'll help. If it does\n\nChannel 1: No.\n\nChannel 0: crash, that's gonna cause a bit of an issue and delay it.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Cool.\n\nChannel 0: This one's pretty straightforward, to be honest. So outside of\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: just\n\nChannel 0: beneficiaries\n\nChannel 1: went through it\n\nChannel 0: that\n\nChannel 1: then.\n\nChannel 0: we were sorting out yep.\n\nChannel 1: Yeah.\n\nChannel 0: All done. Couple little points I'll just quickly touch on. So assets and liabilities, any major changes I need to note down?\n\nChannel 1: Not.\n\nChannel 0: No. Cool. The couple of quick compliance points I wanted to run by you was that when you had that discussion with Kyle, you'd scored as a growth investor for a risk profile, but we're basically agreeing to stay high growth and try and get those high long term returns. Does does that sort of ring a bell?\n\nChannel 1: Yes. Yeah. And that's what I wanna do. I wanna keep trying to aim at that because I'd rather not buy a return to me. I know it's a bit riskier, but at at the end of the day, you know, it's a bit off, I guess, outcome in the end.\n\nYou know what I mean? If if things go\n\nChannel 0: Yeah.\n\nChannel 1: well.\n\nChannel 0: It all averages out in the end as long as you've got enough time to to let that happen.\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: And this one's pretty easy, to be honest. Like, the the capital gains tax of switching the investments around was a couple of $100 instead of a couple of thousand. You make up double that in reducing investment fees and double\n\nChannel 1: Yeah.\n\nChannel 0: the performance for the portfolio. The only couple of things I'll point out is just in terms of asset allocation. So what we're doing is we're switching a a decent portion of what you had in cash into, like, fixed interest in terms of and just switching out some of those underperforming\n\nChannel 1: Yep.\n\nChannel 0: options that you had.\n\nChannel 1: Yeah. No. Cool.\n\nChannel 0: Cool. Well, keep an eye on the insurances too because, obviously, as your life changes, we may need to alter them. And I just wanna keep an eye on premium because if that keeps jumping up, which it definitely does through the 50,\n\nChannel 1: Yes.\n\nChannel 0: that's gonna stop you from hitting that SMSF goal if you start paying $10 at your super speed.\n\nChannel 1: Yeah. Which I don't wanna be doing.\n\nChannel 0: Yep. So at the moment, it's okay to keep it in place for the time being, but the moment we get close to that policy anniversary, I've included a certificate in this pack as well, which I'm\n\nChannel 1: Mhmm.\n\nChannel 0: just gonna quickly check the date. So the policy anniversary has just gone by, which is great. Once we get to this time next year, if it's jumped up to $3,000, I'm gonna have to basically just jump on with you, trim it down, shop around. And\n\nChannel 1: Yep.\n\nChannel 0: so that's why I wanna make sure we can get in touch maybe before end of financial year next year for the next\n\nChannel 1: Yeah. Well, see, I'm just teaching now. I don't even I don't wrestle. I don't do anything in my classes anymore. No.\n\nI'm just a I'm just a coach on the\n\nChannel 0: yeah.\n\nChannel 1: sideline, basically, and and that's about it.\n\nChannel 0: Awesome. So that's a a bit better for sure. The only other thing we've got in there is just in terms of service agreement. So it won't affect you. Basically, it'll it'll kind of never affect you, but we have changed our our fee structures to people above 200,000, above 500,000, above 1,000,000.\n\nBut what'll\n\nChannel 1: Yep.\n\nChannel 0: end up happening to you is you'll build it up to 200,000, and then it'll get used for the property purchase. And then there\n\nChannel 1: Yeah.\n\nChannel 0: will just be that small portfolio on the side. So there'll be no changes to any kind of fee percentages for you, pretty much the entire time.\n\nChannel 1: Yeah. Sweet. So I just I just sign this down here at the bottom.\n\nChannel 0: Yeah. So what we'll do is the first document signs the statement of advice for the investment switch. The second document signs the consent form with the super fund for us. And\n\nChannel 1: Yep.\n\nChannel 0: then everything after that is just four documents to keep on file for you, which you can basically\n\nChannel 1: Right.\n\nChannel 0: just get next document and it'll finalize.\n\nChannel 1: Okay. Yeah. So I'll just hit I'll just hit assign all and then put the date in. And then next\n\nChannel 0: Yep.\n\nChannel 1: document.\n\nChannel 0: And then once that's done, there's, like, next document, next document. Once you get to the end, it'll have a validate button. Sometimes it takes thirty seconds to do the spinning circles to load, and then it'll ask if you want to save a a copy or you'll get emailed a signed copy.\n\nChannel 1: Okay. Yeah. I think I've signed everything. Not seeing more signatures.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: And then from there, the next three three four is just next document, next document. There is a service guide update for us with privacy policy and licensing detail.\n\nChannel 1: yeah. Yeah. Which is on client team now. It's just loading for me.\n\nChannel 0: No worries.\n\nChannel 1: So what I'm thinking about doing is about I'm just because I'm not paying myself any super out of the business just at the moment, I'm just gonna chuck in, like, a $100 a week towards until the end of the year, and then I'll chuck in another lump sum\n\nChannel 0: Yes.\n\nChannel 1: at the end of the year and see where we're at. I might even do it halfway through the year, or I might even just chuck $200 a week in there. Does that all help bump up special with the investments and that sort of thing, won't it?\n\nChannel 0: Yeah. The the regular investment But for the lump sum, basically, if you have any kind of business accounts or offset accounts or anything like that, most people do a double dip where they keep it in there for the year, put it in in June, and then we help them do a notice of intent to claim form for the tax.\n\nChannel 1: Okay. Yeah. Alright.\n\nChannel 0: So I'll play the account for that. It's called an NOI. And then that way, when we come in time to June, I'll go through the contributions. If we do the lump sum, I'll help you with paperwork, and then we'll just track what we do with the insurances and then how we're going to get the.\n\nChannel 1: Okay. Yep. I'm just I think I'm just waiting for it to load again.\n\nChannel 0: That's alright. That's come through some on my end. Thank you very much for that, Richard.\n\nChannel 1: No.\n\nChannel 0: Any questions on your end at this point?\n\nChannel 1: No. Not at all. I yeah. I just want to know that you guys can do the help me with the self managed super fund with getting set up and once I find a property and a lender and all that sort of stuff. I do have a mortgage broker friend, so he's gonna\n\nChannel 0: Yep.\n\nChannel 1: help me out with that part of thing. And if I've got you guys to help me out with the the self money super fund side of things, that would be unreal.\n\nChannel 0: Yeah. And then what we basically do with the brokers is when it comes time to loan time, we've got all the information as well on the entities that get set up, like the trust fund, the corporate trustees, the bare trust, and everything for the loan. And we can\n\nChannel 1: Yes.\n\nChannel 0: get all that through to them, help move the funds across to the bank account in time for settlement, and basically just liaise a bit of a triangle between broker and accountant for\n\nChannel 1: Awesome. Thank you. Yeah. I've got a good accountant as well. So yeah.\n\nCool.\n\nChannel 0: you.\n\nChannel 1: That that's\n\nChannel 0: Yeah. Just see how for them to see what quotes are like and how else is that?\n\nChannel 1: No worries. Thank you so much. See it. Oh, what is going on here? Oh, there we go.\n\nDone. I think that's all gone through now, hasn't it?\n\nChannel 0: Yeah. Yep. It's going through perfectly, mate. So you have a fantastic weekend. Do you want me to put any contact points in before the end of the year or just kind of cut base around in the financial year unless something comes up?\n\nChannel 1: Yeah. Maybe contact me probably January, or I can just see where we're at and see what I need to be putting in to try and get it up around that mark. Just because I I I'm actually\n\nChannel 0: Yep. Okay.\n\nChannel 1: going to this a fair bit. Like because I I want out of my lease. I mean, the lease is gonna be up in a year and a half or a bit over a year and a half under a year and a half now. So I think it's it's July 2028. So just under two years.\n\nChannel 0: Yep. It's fine. Okay. Yeah. So January will be good, and we'll just see how you're tracking contributions, whether you need to increase it.\n\nAnd I guess that'll help with your business cash flow and what you do with it as well.\n\nChannel 1: Yeah. Absolutely. Well, no worries. Well, thank you so much, mate.\n\nChannel 0: Anytime, Richard, and have a good weekend.\n\nChannel 1: Yeah. You too, mate. I'll catch you soon.\n\nChannel 0: Yes. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.021109389141201973},{"text":"Tommy, can you hear me?","start":4.16,"end":5.54,"sentiment":"neutral","sentiment_score":0.017082445323467255}],"sentiment":"neutral","sentiment_score":0.017753602626423042,"channel":1,"num_words":6,"start":1.28,"end":5.54},{"sentences":[{"text":"Yeah.","start":6.8799996,"end":7.12,"sentiment":"neutral","sentiment_score":0.10557767748832704},{"text":"How you doing?","start":7.12,"end":8.02,"sentiment":"neutral","sentiment_score":0.21389645834763846}],"sentiment":"neutral","sentiment_score":0.1868167631328106,"channel":0,"num_words":4,"start":6.8799996,"end":8.02},{"sentences":[{"text":"I'm good.","start":8.4,"end":9.3,"sentiment":"positive","sentiment_score":0.5827792882919312},{"text":"Can I ask you to please keep an eye on your your chat?","start":9.36,"end":14.5,"sentiment":"neutral","sentiment_score":0.1357194437430455},{"text":"I've got Richard Kemp Hayes on the phone.","start":14.865,"end":17.345,"sentiment":"neutral","sentiment_score":0.05131978774443269},{"text":"Are you able to talk to him?","start":17.345,"end":19.125,"sentiment":"neutral","sentiment_score":0.026818082268748964}],"sentiment":"neutral","sentiment_score":0.1176065407693386,"channel":1,"num_words":30,"start":8.4,"end":19.125},{"sentences":[{"text":"Oh, yeah.","start":20.494999,"end":20.895,"sentiment":"neutral","sentiment_score":0.02772148884832859},{"text":"Yeah.","start":20.895,"end":21.215,"sentiment":"neutral","sentiment_score":0.027611687779426575},{"text":"Yeah.","start":21.215,"end":21.535,"sentiment":"neutral","sentiment_score":0.02073751762509346},{"text":"Sorry.","start":21.535,"end":22.035,"sentiment":"neutral","sentiment_score":0.01578175649046898}],"sentiment":"neutral","sentiment_score":0.02391478791832924,"channel":0,"num_words":5,"start":20.494999,"end":22.035},{"sentences":[{"text":"Yep.","start":22.145,"end":22.545,"sentiment":"neutral","sentiment_score":0.043230876326560974},{"text":"Nope.","start":22.545,"end":22.945,"sentiment":"neutral","sentiment_score":0.03273465484380722},{"text":"That's okay.","start":22.945,"end":23.585,"sentiment":"neutral","sentiment_score":0.16068986058235168},{"text":"I popped it in Paternity Pals, and I popped it in a personal one as 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me.","start":726.895,"end":728.31,"sentiment":"neutral","sentiment_score":0.17938073873519897}],"sentiment":"neutral","sentiment_score":0.12678902309674484,"channel":1,"num_words":13,"start":724.255,"end":728.31},{"sentences":[{"text":"No worries.","start":729.83997,"end":730.5,"sentiment":"neutral","sentiment_score":0.14293739199638367}],"sentiment":"neutral","sentiment_score":0.14293739199638367,"channel":0,"num_words":2,"start":729.83997,"end":730.5},{"sentences":[{"text":"So what I'm thinking about doing is about I'm just because I'm not paying myself any super out of the business just at the moment, I'm just gonna chuck in, like, a $100 a week towards until the end of the year, and then I'll chuck in another lump sum","start":741.84503,"end":758.31,"sentiment":"neutral","sentiment_score":0.03684724445221946}],"sentiment":"neutral","sentiment_score":0.03684724445221946,"channel":1,"num_words":50,"start":741.84503,"end":758.31},{"sentences":[{"text":"Yes.","start":758.175,"end":758.675,"sentiment":"neutral","sentiment_score":0.19258973002433777}],"sentiment":"neutral","sentiment_score":0.19258973002433777,"channel":0,"num_words":1,"start":758.175,"end":758.675},{"sentences":[{"text":"at the end of the year and see where we're at.","start":758.31,"end":760.97,"sentiment":"neutral","sentiment_score":0.1998869018121199},{"text":"I might even do it halfway through the year, or I might even just chuck $200 a week in there.","start":761.02997,"end":768.32996,"sentiment":"neutral","sentiment_score":0.20379847809672355},{"text":"Does that all help bump up special with the investments and that sort of thing, won't it?","start":768.47,"end":773.055,"sentiment":"neutral","sentiment_score":0.28587617681306954}],"sentiment":"neutral","sentiment_score":0.23197126016020775,"channel":1,"num_words":48,"start":758.31,"end":773.055},{"sentences":[{"text":"Yeah.","start":774.51,"end":774.91003,"sentiment":"neutral","sentiment_score":0.1764788180589676},{"text":"The the regular investment But for the lump sum, basically, if you have any kind of business accounts or offset accounts or anything like that, most people do a double dip where they keep it in there for the year, put it in in June, and then we help them do a notice of intent to claim form for the tax.","start":774.91003,"end":797.795,"sentiment":"neutral","sentiment_score":0.13234226118590012}],"sentiment":"neutral","sentiment_score":0.1330541411354657,"channel":0,"num_words":62,"start":774.51,"end":797.795},{"sentences":[{"text":"Okay.","start":799.135,"end":799.455,"sentiment":"neutral","sentiment_score":0.1391337513923645},{"text":"Yeah.","start":799.455,"end":799.955,"sentiment":"neutral","sentiment_score":0.15238413214683533},{"text":"Alright.","start":801.935,"end":802.435,"sentiment":"neutral","sentiment_score":0.19679692387580872}],"sentiment":"neutral","sentiment_score":0.16277160247166952,"channel":1,"num_words":3,"start":799.135,"end":802.435},{"sentences":[{"text":"So I'll play the account for that.","start":801.97003,"end":803.73004,"sentiment":"neutral","sentiment_score":0.1625349915453366},{"text":"It's called an NOI.","start":803.73004,"end":804.87,"sentiment":"neutral","sentiment_score":0.14535200968384743},{"text":"And then that way, when we come in time to June, I'll go through the contributions.","start":805.09,"end":808.95,"sentiment":"neutral","sentiment_score":0.16822609771043062},{"text":"If we do the lump sum, I'll help you with paperwork, and then we'll just track what we do with the insurances and then how we're going to get the.","start":809.33,"end":816.65497,"sentiment":"neutral","sentiment_score":0.2087889328598976}],"sentiment":"neutral","sentiment_score":0.18727085138099236,"channel":0,"num_words":57,"start":801.97003,"end":816.65497},{"sentences":[{"text":"Okay.","start":818.0,"end":818.24,"sentiment":"neutral","sentiment_score":0.1260911375284195},{"text":"Yep.","start":818.24,"end":818.74,"sentiment":"neutral","sentiment_score":0.17808380722999573},{"text":"I'm just I think I'm just waiting for it to load again.","start":819.28,"end":822.74,"sentiment":"neutral","sentiment_score":0.16341014268497625}],"sentiment":"neutral","sentiment_score":0.16179261835558073,"channel":1,"num_words":14,"start":818.0,"end":822.74},{"sentences":[{"text":"That's alright.","start":824.93,"end":825.67,"sentiment":"neutral","sentiment_score":0.27221687138080597},{"text":"That's come through some on my end.","start":825.88995,"end":827.41,"sentiment":"positive","sentiment_score":0.36793304341179983},{"text":"Thank you very much for that, Richard.","start":827.41,"end":828.94995,"sentiment":"positive","sentiment_score":0.7790949855531965}],"sentiment":"positive","sentiment_score":0.5358518715947866,"channel":0,"num_words":16,"start":824.93,"end":828.94995},{"sentences":[{"text":"No.","start":829.53503,"end":830.03503,"sentiment":"neutral","sentiment_score":-0.03847559541463852}],"sentiment":"neutral","sentiment_score":-0.03847559541463852,"channel":1,"num_words":1,"start":829.53503,"end":830.03503},{"sentences":[{"text":"Any questions on your end at this point?","start":831.08997,"end":833.26996,"sentiment":"neutral","sentiment_score":-0.08144231280311942}],"sentiment":"neutral","sentiment_score":-0.08144231280311942,"channel":0,"num_words":8,"start":831.08997,"end":833.26996},{"sentences":[{"text":"No.","start":834.175,"end":834.335,"sentiment":"neutral","sentiment_score":-0.127538800239563},{"text":"Not at all.","start":834.335,"end":834.815,"sentiment":"neutral","sentiment_score":-0.13120323171218237},{"text":"I yeah.","start":834.815,"end":835.455,"sentiment":"neutral","sentiment_score":0.03996072709560395},{"text":"I just want to know that you guys can do the help me with the self managed super fund with getting set up and once I find a property and a lender and all that sort of stuff.","start":835.455,"end":846.95,"sentiment":"neutral","sentiment_score":0.17894074031592985},{"text":"I do have a mortgage broker friend, so he's gonna","start":846.95,"end":850.89,"sentiment":"neutral","sentiment_score":0.07371162474155427}],"sentiment":"neutral","sentiment_score":0.13140069144881433,"channel":1,"num_words":54,"start":834.175,"end":850.89},{"sentences":[{"text":"Yep.","start":850.75,"end":851.25,"sentiment":"neutral","sentiment_score":0.1321723461151123}],"sentiment":"neutral","sentiment_score":0.1321723461151123,"channel":0,"num_words":1,"start":850.75,"end":851.25},{"sentences":[{"text":"help me out with that part of 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can","start":873.66504,"end":874.22504,"sentiment":"neutral","sentiment_score":0.052696588138739266}],"sentiment":"neutral","sentiment_score":0.04506119381636381,"channel":0,"num_words":50,"start":860.43005,"end":874.22504},{"sentences":[{"text":"Yes.","start":874.01,"end":874.51,"sentiment":"neutral","sentiment_score":0.11189477890729904}],"sentiment":"neutral","sentiment_score":0.11189477890729904,"channel":1,"num_words":1,"start":874.01,"end":874.51},{"sentences":[{"text":"get all that through to them, help move the funds across to the bank account in time for settlement, and basically just liaise a bit of a triangle between broker and accountant for","start":874.22504,"end":883.95996,"sentiment":"neutral","sentiment_score":0.1166470263040427}],"sentiment":"neutral","sentiment_score":0.1166470263040427,"channel":0,"num_words":33,"start":874.22504,"end":883.95996},{"sentences":[{"text":"Awesome.","start":884.785,"end":885.285,"sentiment":"positive","sentiment_score":0.4966624975204468},{"text":"Thank you.","start":885.345,"end":885.745,"sentiment":"positive","sentiment_score":0.6508288383483887},{"text":"Yeah.","start":885.745,"end":885.985,"sentiment":"positive","sentiment_score":0.3779149055480957},{"text":"I've got a good accountant as well.","start":885.985,"end":887.425,"sentiment":"neutral","sentiment_score":0.31906199881008696},{"text":"So yeah.","start":887.425,"end":888.625,"sentiment":"neutral","sentiment_score":0.27878426015377045}],"sentiment":"positive","sentiment_score":0.38209519936488223,"channel":1,"num_words":13,"start":884.785,"end":888.625},{"sentences":[{"text":"Cool.","start":888.625,"end":889.125,"sentiment":"positive","sentiment_score":0.4185812473297119}],"sentiment":"positive","sentiment_score":0.4185812473297119,"channel":1,"num_words":1,"start":888.625,"end":889.125},{"sentences":[{"text":"you.","start":889.14,"end":889.64,"sentiment":"neutral","sentiment_score":0.2568824291229248}],"sentiment":"neutral","sentiment_score":0.2568824291229248,"channel":0,"num_words":1,"start":889.14,"end":889.64},{"sentences":[{"text":"That that's","start":889.22,"end":890.305,"sentiment":"neutral","sentiment_score":0.1708051785826683}],"sentiment":"neutral","sentiment_score":0.1708051785826683,"channel":1,"num_words":2,"start":889.22,"end":890.305},{"sentences":[{"text":"Yeah.","start":890.1,"end":890.42,"sentiment":"neutral","sentiment_score":0.08985936641693115},{"text":"Just see how for them to see what quotes are like and how else is that?","start":890.42,"end":893.8,"sentiment":"neutral","sentiment_score":0.07574558001942933}],"sentiment":"neutral","sentiment_score":0.07657580274869413,"channel":0,"num_words":17,"start":890.1,"end":893.8},{"sentences":[{"text":"No worries.","start":895.31,"end":895.87,"sentiment":"neutral","sentiment_score":0.1879531517624855},{"text":"Thank you so much.","start":895.87,"end":897.01,"sentiment":"positive","sentiment_score":0.509025901556015},{"text":"See it.","start":897.38995,"end":898.13,"sentiment":"neutral","sentiment_score":0.25069326162338257},{"text":"Oh, what is going on here?","start":899.14996,"end":900.61,"sentiment":"neutral","sentiment_score":0.033798446878790855},{"text":"Oh, there we go.","start":900.99,"end":901.88995,"sentiment":"neutral","sentiment_score":0.02251448668539524}],"sentiment":"neutral","sentiment_score":0.17812472561167347,"channel":1,"num_words":18,"start":895.31,"end":901.88995},{"sentences":[{"text":"Done.","start":902.75,"end":903.23,"sentiment":"neutral","sentiment_score":0.05691415071487427},{"text":"I think that's all gone through now, hasn't it?","start":903.23,"end":905.49,"sentiment":"neutral","sentiment_score":0.08049550073014365}],"sentiment":"neutral","sentiment_score":0.07813736572861671,"channel":1,"num_words":10,"start":902.75,"end":905.49},{"sentences":[{"text":"Yeah.","start":906.85,"end":907.09,"sentiment":"neutral","sentiment_score":0.14833036065101624},{"text":"Yep.","start":907.09,"end":907.41,"sentiment":"neutral","sentiment_score":0.2837321162223816},{"text":"It's going through perfectly, mate.","start":907.41,"end":908.77,"sentiment":"positive","sentiment_score":0.5760165333747864},{"text":"So you have a fantastic weekend.","start":908.77,"end":910.87,"sentiment":"positive","sentiment_score":0.6962632636229197},{"text":"Do you want me to put any contact points in before the end of the year or just kind of cut base around in the financial year unless something comes up?","start":911.01,"end":917.59,"sentiment":"neutral","sentiment_score":-0.035502353623028726}],"sentiment":"neutral","sentiment_score":0.14520799461752176,"channel":0,"num_words":44,"start":906.85,"end":917.59},{"sentences":[{"text":"Yeah.","start":917.97504,"end":918.29504,"sentiment":"neutral","sentiment_score":-0.03156650811433792},{"text":"Maybe contact me probably January, or I can just see where we're at and see what I need to be putting in to try and get it up around that mark.","start":918.29504,"end":930.45,"sentiment":"neutral","sentiment_score":-0.05391653386815902},{"text":"Just because I I I'm actually","start":931.07,"end":932.93,"sentiment":"neutral","sentiment_score":0.014439875725656748}],"sentiment":"neutral","sentiment_score":-0.04253525799140334,"channel":1,"num_words":38,"start":917.97504,"end":932.93},{"sentences":[{"text":"Yep.","start":932.625,"end":932.945,"sentiment":"neutral","sentiment_score":0.0262603759765625},{"text":"Okay.","start":932.945,"end":933.445,"sentiment":"neutral","sentiment_score":0.026354381814599037}],"sentiment":"neutral","sentiment_score":0.02630737889558077,"channel":0,"num_words":2,"start":932.625,"end":933.445},{"sentences":[{"text":"going to this a fair bit.","start":932.99,"end":934.67,"sentiment":"neutral","sentiment_score":-0.012420203847189745},{"text":"Like because I I want out of my lease.","start":934.67,"end":937.105,"sentiment":"neutral","sentiment_score":-0.03321688208315107},{"text":"I mean, the lease is gonna be up in a year and a half or a bit over a year and a half under a year and a half now.","start":937.105,"end":941.985,"sentiment":"neutral","sentiment_score":0.011464818567037582},{"text":"So I think it's it's July 2028.","start":941.985,"end":946.485,"sentiment":"neutral","sentiment_score":0.02803258863942964},{"text":"So just under two years.","start":948.305,"end":950.005,"sentiment":"neutral","sentiment_score":0.022584424167871476}],"sentiment":"neutral","sentiment_score":0.004905642745526214,"channel":1,"num_words":57,"start":932.99,"end":950.005},{"sentences":[{"text":"Yep.","start":951.955,"end":952.455,"sentiment":"neutral","sentiment_score":0.1007404923439026},{"text":"It's fine.","start":952.835,"end":953.555,"sentiment":"neutral","sentiment_score":0.14242560416460037},{"text":"Okay.","start":953.555,"end":954.055,"sentiment":"neutral","sentiment_score":0.08739583194255829},{"text":"Yeah.","start":954.195,"end":954.515,"sentiment":"neutral","sentiment_score":-0.005746353883296251},{"text":"So January will be good, and we'll just see how you're tracking contributions, whether you need to increase it.","start":954.515,"end":959.25,"sentiment":"positive","sentiment_score":0.5904490571273001}],"sentiment":"positive","sentiment_score":0.4869072193396278,"channel":0,"num_words":24,"start":951.955,"end":959.25},{"sentences":[{"text":"And I guess that'll help with your business cash flow and what you do with it as well.","start":959.25,"end":963.91003,"sentiment":"positive","sentiment_score":0.5396985544098748}],"sentiment":"positive","sentiment_score":0.5396985544098748,"channel":0,"num_words":18,"start":959.25,"end":963.91003},{"sentences":[{"text":"Yeah.","start":964.19995,"end":964.43994,"sentiment":"positive","sentiment_score":0.5079187154769897},{"text":"Absolutely.","start":964.43994,"end":964.93994,"sentiment":"positive","sentiment_score":0.6373617649078369},{"text":"Well, no worries.","start":965.16,"end":966.255,"sentiment":"positive","sentiment_score":0.5119842290878296},{"text":"Well, thank you so much, mate.","start":966.495,"end":968.275,"sentiment":"positive","sentiment_score":0.8313020269076029}],"sentiment":"positive","sentiment_score":0.6971859390085394,"channel":1,"num_words":11,"start":964.19995,"end":968.275},{"sentences":[{"text":"Anytime, Richard, and have a good weekend.","start":971.0589,"end":973.8789,"sentiment":"positive","sentiment_score":0.7269758922713143}],"sentiment":"positive","sentiment_score":0.7269758922713143,"channel":0,"num_words":7,"start":971.0589,"end":973.8789},{"sentences":[{"text":"Yeah.","start":974.175,"end":974.495,"sentiment":"positive","sentiment_score":0.4825356602668762},{"text":"You too, mate.","start":974.495,"end":975.135,"sentiment":"positive","sentiment_score":0.4971153438091278},{"text":"I'll catch you soon.","start":975.135,"end":976.03503,"sentiment":"positive","sentiment_score":0.5370397865772247}],"sentiment":"positive","sentiment_score":0.5152551047503948,"channel":1,"num_words":8,"start":974.175,"end":976.03503},{"sentences":[{"text":"Yes.","start":977.6189,"end":977.9389,"sentiment":"neutral","sentiment_score":0.2808917760848999},{"text":"Bye.","start":977.9389,"end":978.4389,"sentiment":"neutral","sentiment_score":0.23659712076187137}],"sentiment":"neutral","sentiment_score":0.2587444484233856,"channel":0,"num_words":2,"start":977.6189,"end":978.4389},{"sentences":[{"text":"Bye.","start":978.815,"end":979.315,"sentiment":"neutral","sentiment_score":-0.11975666880607604}],"sentiment":"neutral","sentiment_score":-0.11975666880607604,"channel":1,"num_words":1,"start":978.815,"end":979.315}]},"summary":{"result":"success","short":"Richard Kemp Hayes is looking for a statement of advice email and Tommy is helping him set up an account for it. Richard is interested in investing in his property and considering switching to a self-funded fund. The agent explains they can help set up an account and investment accounts, and provides compliance points and risk profiles. The conversation ends with the speaker giving their contact information and saying goodbye."},"intents":{"segments":[{"text":"Now what I've got for you today is just a bit of an updated strategy since your last conversation. Yes.","start_word":102,"end_word":121,"intents":[{"intent":"Update strategy","confidence_score":0.22368573}]},{"text":"So if you can just have a quick scroll down through the pages three and four for me, you should see, like, a scope of advice setting. statement advice.","start_word":351,"end_word":379,"intents":[{"intent":"Discuss advice setting","confidence_score":0.016389335}]},{"text":"Now with the insurance side of things, I know you had a bit of an updated chat with Kyle just that the insurers weren't offering a good writing while you were still Yeah.","start_word":397,"end_word":429,"intents":[{"intent":"Discuss insurance","confidence_score":0.030528743}]},{"text":"In about two years' time, I actually wanna turn my super into, like, using it to buy a business buy a building for the business. I wanna invest Oh, yeah.","start_word":478,"end_word":507,"intents":[{"intent":"Explore investments and investments","confidence_score":0.0000069507687}]},{"text":"Just under two years, because our current lease is up in two years, and I know they're gonna demolish the Yep. building.","start_word":533,"end_word":554,"intents":[{"intent":"Discuss lease change","confidence_score":0.000115325274}]},{"text":"Thank you very much for letting do me know you guys that. do you guys help help people out with that sort of thing? Or Yeah. Yep.","start_word":692,"end_word":718,"intents":[{"intent":"Help with setup","confidence_score":0.27804345}]},{"text":"So that way, when I do retire, I can still leave off of the the rent off of it. Yeah.","start_word":913,"end_word":932,"intents":[{"intent":"Obtain information about setup and exit from rent","confidence_score":0.00003092014}]},{"text":"If you could write that in there or anything like that or just keep a note of that because I need to put a bit more into my super.","start_word":993,"end_word":1021,"intents":[{"intent":"Update notes","confidence_score":0.0017430789}]},{"text":"I'm gonna add this to your goal Mhmm. section.","start_word":1058,"end_word":1066,"intents":[{"intent":"Add to goal","confidence_score":0.08422088}]},{"text":"That way, when we catch up in, say, six to twelve months of time, I can track that with you. And Yeah.","start_word":1067,"end_word":1088,"intents":[{"intent":"Track asset","confidence_score":0.0008954964},{"intent":"Track money","confidence_score":0.0010722452}]},{"text":"The couple of quick compliance points I wanted to run by you was that when you had that discussion with Kyle, you'd scored as a growth investor for a risk profile, but we're basically agreeing to stay high growth and try and get those high long term returns. Does does that sort of ring a bell? Yes. Yeah.","start_word":1258,"end_word":1315,"intents":[{"intent":"Address compliance points","confidence_score":0.0033917336}]},{"text":"And this one's pretty easy, to be honest. Like, the the capital gains tax of switching the investments around was a couple of $100 instead of a couple of thousand. You make up double that in reducing investment fees and double Yeah.","start_word":1397,"end_word":1438,"intents":[{"intent":"Adjust investments","confidence_score":0.0023048432}]},{"text":"the performance for the portfolio.","start_word":1439,"end_word":1443,"intents":[{"intent":"Streamline portfolio performance","confidence_score":0.0009292635}]},{"text":"The only couple of things I'll point out is just in terms of asset allocation. So what we're doing is we're switching a a decent portion of what you had in cash into, like, fixed interest in terms of and just switching out some of those underperforming Yep. options that you had.","start_word":1444,"end_word":1495,"intents":[{"intent":"Change cash investments","confidence_score":0.00023978512}]},{"text":"So at the moment, it's okay to keep it in place for the time being, but the moment we get close to that policy anniversary, I've included a certificate in this pack as well, which I'm Mhmm. just gonna quickly check the date.","start_word":1569,"end_word":1611,"intents":[{"intent":"Keep policy in place","confidence_score":0.03798794}]},{"text":"So the policy anniversary has just gone by, which is great. Once we get to this time next year, if it's jumped up to $3,000, I'm gonna have to basically just jump on with you, trim it down, shop around. And Yep.","start_word":1612,"end_word":1653,"intents":[{"intent":"Check policy anniversary","confidence_score":0.08271102}]},{"text":"so that's why I wanna make sure we can get in touch maybe before end of financial year next year for the next Yeah.","start_word":1655,"end_word":1678,"intents":[{"intent":"Make contact","confidence_score":0.051077094}]},{"text":"The only other thing we've got in there is just in terms of service agreement. So it won't affect you. Basically, it'll it'll kind of never affect you, but we have changed our our fee structures to people above 200,000, above 500,000, above 1,000,000. But what'll Yep.","start_word":1725,"end_word":1771,"intents":[{"intent":"Change fee structures","confidence_score":0.35580835}]},{"text":"So I just I just sign this down here at the bottom. Yeah.","start_word":1826,"end_word":1838,"intents":[{"intent":"Sign document","confidence_score":0.7259556}]},{"text":"just get next document and it'll finalize.","start_word":1890,"end_word":1896,"intents":[{"intent":"Finalize document","confidence_score":0.4311866}]},{"text":"So I'll just hit I'll just hit assign all and then put the date in. And then next Yep.","start_word":1899,"end_word":1917,"intents":[{"intent":"Assign dates","confidence_score":0.00084849895}]},{"text":"Once you get to the end, it'll have a validate button. Sometimes it takes thirty seconds to do the spinning circles to load, and then it'll ask if you want to save a a copy or you'll get emailed a signed copy. Okay.","start_word":1930,"end_word":1972,"intents":[{"intent":"Validate button","confidence_score":0.3283216},{"intent":"Save documents","confidence_score":0.017884107}]},{"text":"I think I've signed everything. Not seeing more signatures. Yeah.","start_word":1974,"end_word":1983,"intents":[{"intent":"Check signatures","confidence_score":0.26069173}]},{"text":"Just see how for them to see what quotes are like and how else is that? No worries.","start_word":2478,"end_word":2495,"intents":[{"intent":"Check quote status","confidence_score":0.000499193}]},{"text":"Do you want me to put any contact points in before the end of the year or just kind of cut base around in the financial year unless something comes up? Yeah.","start_word":2535,"end_word":2566,"intents":[{"intent":"Schedule contact","confidence_score":0.045888554}]},{"text":"Maybe contact me probably January, or I can just see where we're at and see what I need to be putting in to try and get it up around that mark.","start_word":2567,"end_word":2597,"intents":[{"intent":"Consider options","confidence_score":0.0063208193}]}]},"sentiments":{"segments":[{"text":"Hello? Tommy, can you hear me? Yeah. How you doing?","start_word":0,"end_word":9,"sentiment":"neutral","sentiment_score":0.0859171524643898},{"text":"I'm good.","start_word":10,"end_word":11,"sentiment":"positive","sentiment_score":0.5825316309928894},{"text":"Can I ask you to please keep an eye on your your chat? I've got Richard Kemp Hayes on the phone. Are you able to talk to him? Oh, yeah. Yeah. Yeah. Sorry. Yep. Nope. That's okay. I popped it in Paternity Pals, and I popped it in a personal one as well. I'm gonna put him through. He has been ID'd. He's okay. Alright?","start_word":12,"end_word":76,"sentiment":"neutral","sentiment_score":0.10403688997030258},{"text":"Perfect. Go for it. Thank you so much.","start_word":77,"end_word":84,"sentiment":"positive","sentiment_score":0.7025735974311829},{"text":"Okay. That's okay.","start_word":85,"end_word":87,"sentiment":"neutral","sentiment_score":0.2858143746852875},{"text":"Good morning, Richard. Tommy here, mate. Thanks for calling back in.","start_word":88,"end_word":98,"sentiment":"positive","sentiment_score":0.4653927683830261},{"text":"No worries. Fine. Now what I've got for you today is just a bit of an updated strategy since your last conversation. Yes. What I'd like to just quickly do is send it through to your inbox in Gmail. Will you be able to look on to the documents with me today? Yep. Oh, alright. I'll pop that through. It goes through pretty quickly with the new system. I think you've used it before. It probably won't go to your spam folder, but let me know if the statement of advice email comes through. I know I still got them on Gmail, ma'am. Oh, no worries at all. How's the end of the week going? We call you a busy time? Okay. Here we go. Yep. Updated document. Alright. Yep. Statement of advice. Yep. Yep. Now when you open up that purple button, it should bring open six documents. The main one to review is a statement of advice. Everything else is just some documents and supporting research. Yeah. I'm just have a look at the You should alright. see can you see that first document with the Gold Coast City picture on it with the statement of the device when you open it up? Sorry. What was that? When you open up the the first document, it should have a picture of the Gold Post on there with a statement of the bike heading. Yeah. It's got a building in the background with Yep.","start_word":99,"end_word":343,"sentiment":"neutral","sentiment_score":0.08708018076663114},{"text":"Perfect. That's the one we're after today.","start_word":344,"end_word":350,"sentiment":"positive","sentiment_score":0.5173735022544861},{"text":"So if you can just have a quick scroll down through the pages three and four for me, you should see, like, a scope of advice setting. statement advice. Yep. It's got advice. That's Higley's situation. Yep. Right. They're entering. You come up with another week. Now with the insurance side of things, I know you had a bit of an updated chat with Kyle just that the insurers weren't offering a good writing while you were still Yeah. doing the the teaching for the AMA. That was the same time being. Does that ring a bell? Yeah. Yeah. I know that I we do sorted have a sort out of some new I sorta have a new goal now of what what Yeah. I Yeah. want. In about two years' time, I actually wanna turn my super into, like, using it to buy a business buy a building for the business. I wanna invest Oh, yeah. So a bit of a self funded super fund looking for national property. Alrighty. So you reckon two years time yes. for that one? Yeah. Just under two years, because our current lease is up in two years, and I know they're gonna demolish the Yep. building. Oh, wow. So That's instead alright. Okay. instead of paying a thousand dollars a week rent, I can pay a thousand dollars a week into my own building. Yeah. Okay. So when that comes time, we'll obviously do annual reviews, keep an eye on portfolios going. Yep. When that comes time for it, I can definitely give you SMSF advice, help you set it up, move things around. Most of the time, what I tend to do is if we use the majority of it for property, whether residential Yep. or commercial, anything in excess of that that, you know, contribution can be invested alongside it. We can have Yeah. an account that linked in a bank account for the property and then an investment account for the portfolio next to it. Yeah. Yeah.","start_word":351,"end_word":688,"sentiment":"neutral","sentiment_score":0.05036217589261969},{"text":"So Perfect.","start_word":689,"end_word":690,"sentiment":"positive","sentiment_score":0.4465487003326416},{"text":"No.","start_word":691,"end_word":691,"sentiment":"neutral","sentiment_score":0.254153847694397},{"text":"Thank you very much for letting do me know you guys that.","start_word":692,"end_word":703,"sentiment":"positive","sentiment_score":0.45191726088523865},{"text":"do you guys help help people out with that sort of thing? Or Yeah. Yep. They called me the SMSF specialist in the office. So I've been doing it for about twelve years or so.","start_word":704,"end_word":738,"sentiment":"neutral","sentiment_score":0.2305200546979904},{"text":"So when it comes time, I can more than happy to help you out with that and get it all set up.","start_word":739,"end_word":760,"sentiment":"positive","sentiment_score":0.5396072864532471},{"text":"yep. Whether you've got I'm sorry. It's probably for the setup. We do have a couple of network that do self managed super fund setups with us. So Alright. whoever Cool. you need at the time, I'll be ready for it. Yeah. No worries. Alright. Sweet. That way, at least I know I can go through you guys and and do it, and I don't have to, you know, run around all over the place because that was the one thing that was making me a little bit apprehensive about doing it is actually doing it with someone that knows what the hell they're doing. Yes. And with the recent legislation changes, where they were banning the residential property inside. Yeah. People Yeah. were kind Mine of scrambling to get it set up before the due date. And yeah. Mine's a 100% for commercial. So that's yep. that's where I'm headed anyway. So that way, when I do retire, I can still leave off of the the rent off of it. Yeah.","start_word":761,"end_word":932,"sentiment":"neutral","sentiment_score":0.0429668202996254},{"text":"That's awesome. I've had a few people that have set up I've done some funky ones in my time.","start_word":933,"end_word":951,"sentiment":"positive","sentiment_score":0.3719329833984375},{"text":"I've done theme park and caravan parks and people who are doing, like, on-site property management businesses through there. So, Oh, yeah, when yeah. it comes time, I'll I'll help you out with it.","start_word":952,"end_word":985,"sentiment":"neutral","sentiment_score":0.26734790205955505},{"text":"Oh, awesome. Thank you.","start_word":986,"end_word":989,"sentiment":"positive","sentiment_score":0.6299635469913483},{"text":"Can you yeah. If you could write that in there or anything like that or just keep a note of that because I need to put a bit more into my super. So I need to probably have about 200,000 in there, won't I, in about a year and a half. It's something like Yes. that because it's probably gonna be around 800,000. Alright. A 100,000 purchase price. I'm gonna add this to your goal Mhmm. section. That way, when we catch up in, say, six to twelve months of time, I can track that with you. And Yeah. these days, they've relaxed the lending a little bit. Like, you you basically need a 20% deposit plus a bit of Yep. cost on top and a bit of a cash buffer. The 200 sounds pretty good as a Yeah. Because that's, like, 25% then, isn't it? So if I'm yeah. correct. Yeah. Cool. No worries. So I know I need about a $100,000 over the next two years because Yeah. I think my And, bank hopefully, if the stock market grows for the next two years, you're gonna get some good double digit returns and that'll help. If it does No.","start_word":990,"end_word":1190,"sentiment":"neutral","sentiment_score":0.1533884555101395},{"text":"crash, that's gonna cause a bit of an issue and delay it.","start_word":1191,"end_word":1202,"sentiment":"negative","sentiment_score":-0.3938416540622711},{"text":"Yeah. So Cool. This one's pretty straightforward, to be honest. So outside of Yeah. the I the just beneficiaries went through it that then. we were sorting out yep. Yeah. All done. Couple little points I'll just quickly touch on. So assets and liabilities, any major changes I need to note down? Not. No. Cool. The couple of quick compliance points I wanted to run by you was that when you had that discussion with Kyle, you'd scored as a growth investor for a risk profile, but we're basically agreeing to stay high growth and try and get those high long term returns. Does does that sort of ring a bell? Yes. Yeah. And that's what I wanna do. I wanna keep trying to aim at that because I'd rather not buy a return to me. I know it's a bit riskier, but at at the end of the day, you know, it's a bit off, I guess, outcome in the end. You know what I mean? If if things go Yeah.","start_word":1203,"end_word":1374,"sentiment":"neutral","sentiment_score":0.038161429944773055},{"text":"well. It all averages out in the end as long as you've got enough time to to let that happen. Yeah. Absolutely. And this one's pretty easy, to be honest. Like, the the capital gains tax of switching the investments around was a couple of $100 instead of a couple of thousand. You make up double that in reducing investment fees and double Yeah. the performance for the portfolio.","start_word":1375,"end_word":1443,"sentiment":"positive","sentiment_score":0.4440182149410248},{"text":"The only couple of things I'll point out is just in terms of asset allocation. So what we're doing is we're switching a a decent portion of what you had in cash into, like, fixed interest in terms of and just switching out some of those underperforming Yep. options that you had. Yeah. No. Cool. Cool. Well, keep an eye on the insurances too because, obviously, as your life changes, we may need to alter them. And I just wanna keep an eye on premium because if that keeps jumping up, which it definitely does through the 50, Yes. that's gonna stop you from hitting that SMSF goal if you start paying $10 at your super speed. Yeah.","start_word":1444,"end_word":1561,"sentiment":"neutral","sentiment_score":0.040532514452934265},{"text":"Which I don't wanna be doing.","start_word":1562,"end_word":1567,"sentiment":"negative","sentiment_score":-0.3546292185783386},{"text":"Yep. So at the moment, it's okay to keep it in place for the time being, but the moment we get close to that policy anniversary, I've included a certificate in this pack as well, which I'm Mhmm. just gonna quickly check the date.","start_word":1568,"end_word":1611,"sentiment":"neutral","sentiment_score":0.0661245733499527},{"text":"So the policy anniversary has just gone by, which is great.","start_word":1612,"end_word":1622,"sentiment":"positive","sentiment_score":0.3752889335155487},{"text":"Once we get to this time next year, if it's jumped up to $3,000, I'm gonna have to basically just jump on with you, trim it down, shop around. And Yep. so that's why I wanna make sure we can get in touch maybe before end of financial year next year for the next Yeah. Well, see, I'm just teaching now. I don't even I don't wrestle. I don't do anything in my classes anymore. No. I'm just a I'm just a coach on yeah. the sideline, basically, and and that's about it.","start_word":1623,"end_word":1715,"sentiment":"neutral","sentiment_score":-0.0416682002445062},{"text":"Awesome. So that's a a bit better for sure.","start_word":1716,"end_word":1724,"sentiment":"positive","sentiment_score":0.5150982737541199},{"text":"The only other thing we've got in there is just in terms of service agreement. So it won't affect you. Basically, it'll it'll kind of never affect you, but we have changed our our fee structures to people above 200,000, above 500,000, above 1,000,000. But what'll Yep. end up happening to you is you'll build it up to 200,000, and then it'll get used for the property purchase. And then there Yeah. will just be that small portfolio on the side. So there'll be no changes to any kind of fee percentages for you, pretty much the entire time. Yeah. Sweet. So I just I just sign this down here at the bottom. Yeah. So what we'll do is the first document signs the statement of advice for the investment switch. The second document signs the consent form with the super fund for us. And Yep. then everything after that is just four documents to keep on file for you, which you can basically Right. just get next document and it'll finalize. Okay. Yeah. So I'll just hit I'll just hit assign all and then put the date in. And then next Yep. document. And then once that's done, there's, like, next document, next document. Once you get to the end, it'll have a validate button. Sometimes it takes thirty seconds to do the spinning circles to load, and then it'll ask if you want to save a a copy or you'll get emailed a signed copy. Okay. Yeah. I think I've signed everything. Not seeing more signatures. Yeah. So And then from there, the next three three four is just next document, next document. There is a service guide update for us with privacy policy and licensing detail. yeah. Yeah. Which is on client team now. It's just loading for me. No worries. So what I'm thinking about doing is about I'm just because I'm not paying myself any super out of the business just at the moment, I'm just gonna chuck in, like, a $100 a week towards until the end of the year, and then I'll chuck in another lump sum Yes. at the end of the year and see where we're at. I might even do it halfway through the year, or I might even just chuck $200 a week in there. Does that all help bump up special with the investments and that sort of thing, won't it? Yeah. The the regular investment But for the lump sum, basically, if you have any kind of business accounts or offset accounts or anything like that, most people do a double dip where they keep it in there for the year, put it in in June, and then we help them do a notice of intent to claim form for the tax. Okay. Yeah. Alright. So I'll play the account for that. It's called an NOI. And then that way, when we come in time to June, I'll go through the contributions. If we do the lump sum, I'll help you with paperwork, and then we'll just track what we do with the insurances and then how we're going to get the. Okay. Yep. I'm just I think I'm just waiting for it to load again. That's alright.","start_word":1725,"end_word":2265,"sentiment":"neutral","sentiment_score":0.1257844253024861},{"text":"That's come through some on my end. Thank you very much for that, Richard.","start_word":2266,"end_word":2279,"sentiment":"positive","sentiment_score":0.5506551861763},{"text":"No. Any questions on your end at this point? No. Not at all. I yeah. I just want to know that you guys can do the help me with the self managed super fund with getting set up and once I find a property and a lender and all that sort of stuff. I do have a mortgage broker friend, so he's gonna Yep. help me out with that part of thing. And if I've got you guys to help me out with the the self money super fund side of things, that would be unreal. Yeah. And then what we basically do with the brokers is when it comes time to loan time, we've got all the information as well on the entities that get set up, like the trust fund, the corporate trustees, the bare trust, and everything for the loan. And we can Yes. get all that through to them, help move the funds across to the bank account in time for settlement, and basically just liaise a bit of a triangle between broker and accountant for Awesome.","start_word":2280,"end_word":2460,"sentiment":"neutral","sentiment_score":0.05633266624166162},{"text":"Thank you. Yeah.","start_word":2461,"end_word":2463,"sentiment":"positive","sentiment_score":0.532324492931366},{"text":"I've got a good accountant as well. So yeah.","start_word":2464,"end_word":2472,"sentiment":"neutral","sentiment_score":0.31330496072769165},{"text":"Cool.","start_word":2473,"end_word":2473,"sentiment":"positive","sentiment_score":0.4185812473297119},{"text":"you. That that's Yeah. Just see how for them to see what quotes are like and how else is that? No worries.","start_word":2474,"end_word":2495,"sentiment":"neutral","sentiment_score":0.11509963124990465},{"text":"Thank you so much.","start_word":2496,"end_word":2499,"sentiment":"positive","sentiment_score":0.5051144361495972},{"text":"See it. Oh, what is going on here? Oh, there we go. Done. I think that's all gone through now, hasn't it? Yeah. Yep.","start_word":2500,"end_word":2523,"sentiment":"neutral","sentiment_score":0.08966293931007385},{"text":"It's going through perfectly, mate. So you have a fantastic weekend.","start_word":2524,"end_word":2534,"sentiment":"positive","sentiment_score":0.6239956021308899},{"text":"Do you want me to put any contact points in before the end of the year or just kind of cut base around in the financial year unless something comes up? Yeah. Maybe contact me probably January, or I can just see where we're at and see what I need to be putting in to try and get it up around that mark. Just because I I I'm actually Yep. Okay. going to this a fair bit. Like because I I want out of my lease. I mean, the lease is gonna be up in a year and a half or a bit over a year and a half under a year and a half now. So I think it's it's July 2028. So just under two years. Yep. It's fine. Okay. Yeah.","start_word":2535,"end_word":2667,"sentiment":"neutral","sentiment_score":-0.006066914182156324},{"text":"So January will be good, and we'll just see how you're tracking contributions, whether you need to increase it. And I guess that'll help with your business cash flow and what you do with it as well. Yeah. Absolutely. Well, no worries. Well, thank you so much, mate. Anytime, Richard, and have a good weekend. Yeah. You too, mate. I'll catch you soon.","start_word":2668,"end_word":2730,"sentiment":"positive","sentiment_score":0.6027810573577881},{"text":"Yes. Bye. Bye.","start_word":2731,"end_word":2733,"sentiment":"neutral","sentiment_score":0.22369533777236936}],"average":{"sentiment":"neutral","sentiment_score":0.1218029489798674}}}}