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I know you're busy, and I know I'm calling you ad hoc. I know you spoke with the team yesterday. I just wanted to give you a call and just, I guess, run through, make sure that you had a good understanding of the advice and from an advice lens, make sure that you were all comfortable with everything. We don't have to chat now if you are inundated or busy. And if I've got you at a good time? Oh, luck is on my side. Well well, I do need to let you know that, of course, our calls are recorded. And if I could just get you some some security, so it's just your full name, date of birth, and address that we would have on file. Perfect. Yes. So, ultimately, you know, the advice that we discussed and and from our initial con conversation, we went through and had a look at your superannuation and your insurance and and looking at, like, estate planning and and and just making sure that your retirement outcomes were were looking good. Now I obviously took into consideration what your planned retirement outcomes were and also how to look at your insurance. I know that insurance wasn't a massive issue for you. As you said, once you're dead, you're dead. You don't really need it, but still making sure that you did have something in place. And I think the the biggest the biggest, like, leverage point that your your current insurance policy had was the fact that it has the disability insurance attached to it. So you've got that that TPD and the income protection. So if anything happens to you, you have that benefit. For that reason, I have recommended that we obviously retain that insurance policy because I could not find anything comparable available for the same premium. Anything else available on market was quite expensive, and it just wasn't gonna, you know, be worthwhile. Yeah. The the the insurance. Yeah. So what happens is basically the $10,000 sitting in rest becomes an insurance premium account. So that that money is just basically gonna funnel the insurance premiums. And if anything happens, basically, the insurer for rest pays that lump sum, so total permanent disability would be paid into that rest account. And then from that, it then gets paid out to you. And with the income protection, because it's a it's a income, it gets paid direct to you each month after you, you know, set out the waiting period of sixty days. It would pay to you each month. So, ultimately speaking, you wouldn't see the first payment until day 90 of being off work because it pays in arrears, and it doesn't pay for the waiting period or period of time. So it's still you know, it's it's a benefit that's there if anything does happen whilst it's not, you know, gonna do a massive amount to to, you know, bolster or pay for, you know, any of the mortgages or anything like that. It is gonna give you something to to help. And the hope is is that, obviously, we can focus on building up your superannuation benefit and and focus on, you know, paying down the debts and stuff like that. So that way, we are able to self insure you. So if anything does happen, you're never able to work again, it doesn't matter in the long run because you have sufficient assets behind you to to cover everything off. Mhmm. Yeah. Definitely ongoing. If if if you wanna seek advice and we we wanna have a discussion, you know, down the line, it could be now, it could be later, it can you know, however you wanna structure it to be able to talk about the the investment properties. We can definitely do that, whether it be, you know, looking at liquidating them, looking at, you know, how to structure them, looking at whether we maybe use some of the equity to buy again, whatever the case may be. Definitely. Yeah. No. Yeah. Definitely. Definitely can. Let me get through this, and then we can sort of schedule at a time that we can kind of maybe dig a little deeper into what you're wanting to look at with the investment properties? Yeah. Perfect. So when we went through the risk profile, you you came out as, like, a high growth investor that you, you know, still spending a time before we were looking to access the money and still willing to take on a little bit of the risk with the investment, but, obviously, taking on a diversified approach, not, you know, exit all in one basket, making sure that we were gonna cover everything off nicely, not taking, you know, risky, you know, uncalculated investment approaches, but still having a decent amount of that asset in the market and not sitting really conservatively in cash or anything like that. So what I've recommended is that we do look at engaging and opening up a MyNorth account and with that's where the bulk of your funds will fit and where we will invest the money in MyNorth. It's a nice low cost fund, which is fantastic, and we're gonna be able to cost effectively, you know, grow your investments over there. And and then from that, what we would do is we would just do, like, rollovers from your rest account every year just to keep that balance at $10,000 because we wanna, you know, make sure that we're maintaining the account balance to pay premiums. We don't want a lot of money sitting over in that account. So there's different types of funds available. So you've got your industry funds, which are the funds that you hear about all the time, and then you've got you've got retail funds, which is what a MyNorth is. And retail funds are funds that are available to people, but they don't, I guess, boast as much as what the industry funds do. And, generally, they are in a very much advice based platform. They're a little bit more niche. They are a little bit more investor orientated because they do have a lot more of a open market approach to how you can invest, where your industry funds will focus on group investments, where, you know, they give you three to five options on what you can invest in. MyNorth and other, you know, open retail platforms allow you to basically invest in pretty much the majority of the ASX or the Australian Stock Exchange. So that's sort of the difference. Whereas your your, you know, your rest and your strength through stuff like that, they are industry funds, and and they're very, very much open to anyone and everyone to be able to invest in because they are very segmented in what they offer. Very simplistic in nature. They obviously all all super funds act as a as a trustee, and they all have to abide by the same legislation. But, yeah, it MyNorth is a regulated APRA fund, a p r a, which means that they they are a a legal superannuation fund. 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Catherine Larissa from Oakview Financial. How are you going? Yeah. From Oakview Financial.\n\nYeah. I'm good, darling. How are you? That's good. I know you're busy, and I know I'm calling you ad hoc.\n\nI know you spoke with the team yesterday. I just wanted to give you a call and just, I guess, run through, make sure that you had a good understanding of the advice and from an advice lens, make sure that you were all comfortable with everything. We don't have to chat now if you are inundated or busy. And if I've got you at a good time? Oh, luck is on my side.\n\nWell well, I do need to let you know that, of course, our calls are recorded. And if I could just get you some some security, so it's just your full name, date of birth, and address that we would have on file. Perfect. Yes. So, ultimately, you know, the advice that we discussed and and from our initial con conversation, we went through and had a look at your superannuation and your insurance and and looking at, like, estate planning and and and just making sure that your retirement outcomes were were looking good.\n\nNow I obviously took into consideration what your planned retirement outcomes were and also how to look at your insurance. I know that insurance wasn't a massive issue for you. As you said, once you're dead, you're dead. You don't really need it, but still making sure that you did have something in place. And I think the the biggest the biggest, like, leverage point that your your current insurance policy had was the fact that it has the disability insurance attached to it.\n\nSo you've got that that TPD and the income protection. So if anything happens to you, you have that benefit. For that reason, I have recommended that we obviously retain that insurance policy because I could not find anything comparable available for the same premium. Anything else available on market was quite expensive, and it just wasn't gonna, you know, be worthwhile. Yeah.\n\nThe the the insurance. Yeah. So what happens is basically the $10,000 sitting in rest becomes an insurance premium account. So that that money is just basically gonna funnel the insurance premiums. And if anything happens, basically, the insurer for rest pays that lump sum, so total permanent disability would be paid into that rest account.\n\nAnd then from that, it then gets paid out to you. And with the income protection, because it's a it's a income, it gets paid direct to you each month after you, you know, set out the waiting period of sixty days. It would pay to you each month. So, ultimately speaking, you wouldn't see the first payment until day 90 of being off work because it pays in arrears, and it doesn't pay for the waiting period or period of time. So it's still you know, it's it's a benefit that's there if anything does happen whilst it's not, you know, gonna do a massive amount to to, you know, bolster or pay for, you know, any of the mortgages or anything like that.\n\nIt is gonna give you something to to help. And the hope is is that, obviously, we can focus on building up your superannuation benefit and and focus on, you know, paying down the debts and stuff like that. So that way, we are able to self insure you. So if anything does happen, you're never able to work again, it doesn't matter in the long run because you have sufficient assets behind you to to cover everything off. Mhmm.\n\nYeah. Definitely ongoing. If if if you wanna seek advice and we we wanna have a discussion, you know, down the line, it could be now, it could be later, it can you know, however you wanna structure it to be able to talk about the the investment properties. We can definitely do that, whether it be, you know, looking at liquidating them, looking at, you know, how to structure them, looking at whether we maybe use some of the equity to buy again, whatever the case may be. Definitely.\n\nYeah. No. Yeah. Definitely. Definitely can.\n\nLet me get through this, and then we can sort of schedule at a time that we can kind of maybe dig a little deeper into what you're wanting to look at with the investment properties? Yeah. Perfect. So when we went through the risk profile, you you came out as, like, a high growth investor that you, you know, still spending a time before we were looking to access the money and still willing to take on a little bit of the risk with the investment, but, obviously, taking on a diversified approach, not, you know, exit all in one basket, making sure that we were gonna cover everything off nicely, not taking, you know, risky, you know, uncalculated investment approaches, but still having a decent amount of that asset in the market and not sitting really conservatively in cash or anything like that. So what I've recommended is that we do look at engaging and opening up a MyNorth account and with that's where the bulk of your funds will fit and where we will invest the money in MyNorth.\n\nIt's a nice low cost fund, which is fantastic, and we're gonna be able to cost effectively, you know, grow your investments over there. And and then from that, what we would do is we would just do, like, rollovers from your rest account every year just to keep that balance at $10,000 because we wanna, you know, make sure that we're maintaining the account balance to pay premiums. We don't want a lot of money sitting over in that account. So there's different types of funds available. So you've got your industry funds, which are the funds that you hear about all the time, and then you've got you've got retail funds, which is what a MyNorth is.\n\nAnd retail funds are funds that are available to people, but they don't, I guess, boast as much as what the industry funds do. And, generally, they are in a very much advice based platform. They're a little bit more niche. They are a little bit more investor orientated because they do have a lot more of a open market approach to how you can invest, where your industry funds will focus on group investments, where, you know, they give you three to five options on what you can invest in. MyNorth and other, you know, open retail platforms allow you to basically invest in pretty much the majority of the ASX or the Australian Stock Exchange.\n\nSo that's sort of the difference. Whereas your your, you know, your rest and your strength through stuff like that, they are industry funds, and and they're very, very much open to anyone and everyone to be able to invest in because they are very segmented in what they offer. Very simplistic in nature. They obviously all all super funds act as a as a trustee, and they all have to abide by the same legislation. But, yeah, it MyNorth is a regulated APRA fund, a p r a, which means that they they are a a legal superannuation fund.\n\nThey just operate very differently to how an industry fund does.","paragraphs":[{"sentences":[{"text":"Hi.","start":3.76,"end":4.0,"sentiment":"neutral","sentiment_score":0.08553550392389297},{"text":"Catherine Larissa from Oakview Financial.","start":4.0,"end":6.16,"sentiment":"neutral","sentiment_score":0.0909864954650402},{"text":"How are you going?","start":6.16,"end":7.14,"sentiment":"neutral","sentiment_score":0.11613958142697811},{"text":"Yeah.","start":10.24,"end":10.639999,"sentiment":"neutral","sentiment_score":0.0428319126367569},{"text":"From Oakview Financial.","start":10.639999,"end":11.7,"sentiment":"neutral","sentiment_score":0.054684591790040336}],"sentiment":"neutral","sentiment_score":0.08656514249742031,"num_words":14,"start":3.76,"end":11.7},{"sentences":[{"text":"Yeah.","start":13.724999,"end":13.965,"sentiment":"neutral","sentiment_score":0.21477141976356504},{"text":"I'm good, darling.","start":13.965,"end":14.764999,"sentiment":"positive","sentiment_score":0.5247736771901449},{"text":"How are you?","start":14.764999,"end":15.585,"sentiment":"positive","sentiment_score":0.33333418766657513},{"text":"That's good.","start":16.925,"end":17.645,"sentiment":"positive","sentiment_score":0.5277084112167358},{"text":"I know you're busy, and I know I'm calling you ad hoc.","start":17.645,"end":20.465,"sentiment":"neutral","sentiment_score":0.03438624108578855}],"sentiment":"neutral","sentiment_score":0.20272127284745997,"num_words":21,"start":13.724999,"end":20.465},{"sentences":[{"text":"I know you spoke with the team yesterday.","start":20.685,"end":22.384998,"sentiment":"neutral","sentiment_score":0.08792720828205347},{"text":"I just wanted to give you a call and just, I guess, run through, make sure that you had a good understanding of the advice and from an advice lens, make sure that you were all comfortable with everything.","start":22.445,"end":33.260002,"sentiment":"neutral","sentiment_score":0.21593395926249334},{"text":"We don't have to chat now if you are inundated or busy.","start":33.4,"end":36.940002,"sentiment":"neutral","sentiment_score":-0.047637141620119415},{"text":"And if I've got you at a good time?","start":37.08,"end":38.775,"sentiment":"neutral","sentiment_score":0.039845272484752864},{"text":"Oh, luck is on my side.","start":40.855003,"end":42.875,"sentiment":"neutral","sentiment_score":0.11171894582609336}],"sentiment":"neutral","sentiment_score":0.12948807439691312,"num_words":74,"start":20.685,"end":42.875},{"sentences":[{"text":"Well well, I do need to let you know that, of course, our calls are recorded.","start":44.375,"end":47.915,"sentiment":"neutral","sentiment_score":0.09105597482994199},{"text":"And if I could just get you some some security, so it's just your full name, date of birth, and address that we would have on file.","start":48.135002,"end":53.835,"sentiment":"neutral","sentiment_score":0.06642204716249749},{"text":"Perfect.","start":62.969997,"end":63.469997,"sentiment":"neutral","sentiment_score":0.24818703532218933},{"text":"Yes.","start":63.53,"end":64.03,"sentiment":"neutral","sentiment_score":0.12563271820545197},{"text":"So, ultimately, you know, the advice that we discussed and and from our initial con conversation, we went through and had a look at your superannuation and your insurance and and looking at, like, estate planning and and and just making sure that your retirement outcomes were were looking good.","start":65.61,"end":84.33,"sentiment":"neutral","sentiment_score":0.1006577417999506}],"sentiment":"neutral","sentiment_score":0.09112629172833342,"num_words":95,"start":44.375,"end":84.33},{"sentences":[{"text":"Now I obviously took into consideration what your planned retirement outcomes were and also how to look at your insurance.","start":84.71,"end":95.065,"sentiment":"neutral","sentiment_score":0.008227011561393738},{"text":"I know that insurance wasn't a massive issue for you.","start":95.065,"end":97.784996,"sentiment":"neutral","sentiment_score":-0.15721823647618294},{"text":"As you said, once you're dead, you're dead.","start":97.784996,"end":100.265,"sentiment":"neutral","sentiment_score":-0.1442115269601345},{"text":"You don't really need it, but still making sure that you did have something in place.","start":100.265,"end":105.945,"sentiment":"neutral","sentiment_score":-0.04278531880117953},{"text":"And I think the the biggest the biggest, like, leverage point that your your current insurance policy had was the fact that it has the disability insurance attached to it.","start":105.945,"end":114.15,"sentiment":"neutral","sentiment_score":-0.1825559248526891}],"sentiment":"neutral","sentiment_score":-0.10384020470969733,"num_words":84,"start":84.71,"end":114.15},{"sentences":[{"text":"So you've got that that TPD and the income protection.","start":114.15,"end":117.11,"sentiment":"neutral","sentiment_score":0.06922791376709939},{"text":"So if anything happens to you, you have that benefit.","start":117.11,"end":119.29,"sentiment":"neutral","sentiment_score":0.2903208091855049},{"text":"For that reason, I have recommended that we obviously retain that insurance policy because I could not find anything comparable available for the same premium.","start":119.995,"end":130.095,"sentiment":"neutral","sentiment_score":0.09862422585487365},{"text":"Anything else available on market was quite expensive, and it just wasn't gonna, you know, be worthwhile.","start":130.235,"end":139.03,"sentiment":"negative","sentiment_score":-0.45703868392635794},{"text":"Yeah.","start":143.56999,"end":144.05,"sentiment":"neutral","sentiment_score":-0.031345218420028687}],"sentiment":"neutral","sentiment_score":-0.02761761855984491,"num_words":63,"start":114.15,"end":144.05},{"sentences":[{"text":"The the the insurance.","start":144.05,"end":145.26999,"sentiment":"neutral","sentiment_score":-0.030059139244258404},{"text":"Yeah.","start":145.48999,"end":145.81,"sentiment":"neutral","sentiment_score":0.020220214501023293},{"text":"So what happens is basically the $10,000 sitting in rest becomes an insurance premium account.","start":145.81,"end":153.645,"sentiment":"neutral","sentiment_score":0.060869224617878595},{"text":"So that that money is just basically gonna funnel the insurance premiums.","start":153.645,"end":156.785,"sentiment":"neutral","sentiment_score":0.08789472840726376},{"text":"And if anything happens, basically, the insurer for rest pays that lump sum, so total permanent disability would be paid into that rest account.","start":157.485,"end":166.76999,"sentiment":"neutral","sentiment_score":0.08363501137743394}],"sentiment":"neutral","sentiment_score":0.0691964114417455,"num_words":56,"start":144.05,"end":166.76999},{"sentences":[{"text":"And then from that, it then gets paid out to you.","start":167.87,"end":170.61,"sentiment":"neutral","sentiment_score":0.12005413526838477},{"text":"And with the income protection, because it's a it's a income, it gets paid direct to you each month after you, you know, set out the waiting period of sixty days.","start":171.54999,"end":183.175,"sentiment":"neutral","sentiment_score":0.10792608306773248},{"text":"It would pay to you each month.","start":183.315,"end":185.175,"sentiment":"neutral","sentiment_score":0.044953087876949994},{"text":"So, ultimately speaking, you wouldn't see the first payment until day 90 of being off work because it pays in arrears, and it doesn't pay for the waiting period or period of time.","start":185.235,"end":198.82999,"sentiment":"neutral","sentiment_score":-0.015811924681519016},{"text":"So it's still you know, it's it's a benefit that's there if anything does happen whilst it's not, you know, gonna do a massive amount to to, you know, bolster or pay for, you know, any of the mortgages or anything like that.","start":200.81,"end":213.645,"sentiment":"neutral","sentiment_score":0.15155850732049278}],"sentiment":"neutral","sentiment_score":0.0878095838278532,"num_words":125,"start":167.87,"end":213.645},{"sentences":[{"text":"It is gonna give you something to to help.","start":213.645,"end":216.785,"sentiment":"positive","sentiment_score":0.44030580917994183},{"text":"And the hope is is that, obviously, we can focus on building up your superannuation benefit and and focus on, you know, paying down the debts and stuff like 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you wanna seek advice and we we wanna have a discussion, you know, down the line, it could be now, it could be later, it can you know, however you wanna structure it to be able to talk about the the investment properties.","start":248.56001,"end":261.065,"sentiment":"neutral","sentiment_score":0.14567840034547058},{"text":"We can definitely do that, whether it be, you know, looking at liquidating them, looking at, you know, how to structure them, looking at whether we maybe use some of the equity to buy again, whatever the case may be.","start":261.065,"end":271.545,"sentiment":"neutral","sentiment_score":0.15181497745215894},{"text":"Definitely.","start":271.545,"end":272.045,"sentiment":"neutral","sentiment_score":0.217410072684288}],"sentiment":"neutral","sentiment_score":0.1499871775507927,"num_words":90,"start":247.28001,"end":272.045},{"sentences":[{"text":"Yeah.","start":277.54,"end":278.04,"sentiment":"neutral","sentiment_score":0.06552809476852417},{"text":"No.","start":278.1,"end":278.5,"sentiment":"neutral","sentiment_score":0.04105155915021896},{"text":"Yeah.","start":278.5,"end":278.9,"sentiment":"neutral","sentiment_score":0.08922502398490906},{"text":"Definitely.","start":278.9,"end":279.4,"sentiment":"neutral","sentiment_score":0.1680372655391693},{"text":"Definitely can.","start":279.54,"end":280.44,"sentiment":"neutral","sentiment_score":0.3227899968624115}],"sentiment":"neutral","sentiment_score":0.16823698952794075,"num_words":6,"start":277.54,"end":280.44},{"sentences":[{"text":"Let me get through this, and then we can sort of schedule at a time that we can kind of maybe dig a little deeper into what you're wanting to look at with the investment properties?","start":282.97998,"end":290.135,"sentiment":"neutral","sentiment_score":0.1239285578744279},{"text":"Yeah.","start":291.155,"end":291.555,"sentiment":"neutral","sentiment_score":0.21282215416431427},{"text":"Perfect.","start":291.555,"end":292.055,"sentiment":"positive","sentiment_score":0.3910716772079468},{"text":"So when we went through the risk profile, you you came out as, like, a high growth investor that you, you know, still spending a time before we were looking to access the money and still willing to take on a little bit of the risk with the investment, but, obviously, taking on a diversified approach, not, you know, exit all in one basket, making sure that we were gonna cover everything off nicely, not taking, you know, risky, you know, uncalculated investment approaches, but still having a decent amount of that asset in the market and not sitting really conservatively in cash or anything like that.","start":292.995,"end":323.825,"sentiment":"neutral","sentiment_score":0.1478983635935828},{"text":"So what I've recommended is that we do look at engaging and opening up a MyNorth account and with that's where the bulk of your funds will fit and where we will invest the money in MyNorth.","start":324.92502,"end":336.73,"sentiment":"neutral","sentiment_score":0.3257562840307081}],"sentiment":"neutral","sentiment_score":0.18100785345330342,"num_words":182,"start":282.97998,"end":336.73},{"sentences":[{"text":"It's a nice low cost fund, which is fantastic, and we're gonna be able to cost effectively, you know, grow your investments over there.","start":337.91,"end":347.595,"sentiment":"positive","sentiment_score":0.665824992582202},{"text":"And and then from that, what we would do is we would just do, like, rollovers from your rest account every year just to keep that balance at $10,000 because we wanna, you know, make sure that we're maintaining the account balance to pay premiums.","start":347.975,"end":363.17,"sentiment":"neutral","sentiment_score":0.14365524533722135},{"text":"We don't want a lot of money sitting over in that account.","start":363.17,"end":365.35,"sentiment":"neutral","sentiment_score":-0.17258557366828123},{"text":"So there's different types of funds available.","start":372.14502,"end":374.40503,"sentiment":"neutral","sentiment_score":0.0074766286249671665},{"text":"So you've got your industry funds, which are the funds that you hear about all the time, and then you've got you've got retail funds, which is what a MyNorth is.","start":374.625,"end":382.24503,"sentiment":"neutral","sentiment_score":0.03883026317963677}],"sentiment":"neutral","sentiment_score":0.18175910535354575,"num_words":119,"start":337.91,"end":382.24503},{"sentences":[{"text":"And retail funds are funds that are available to people, but they don't, I guess, boast as much as what the industry funds do.","start":383.105,"end":393.22998,"sentiment":"neutral","sentiment_score":0.008378782076761127},{"text":"And, generally, they are in a very much advice based platform.","start":393.22998,"end":396.34998,"sentiment":"neutral","sentiment_score":0.0673473577269099},{"text":"They're a little bit more niche.","start":396.34998,"end":398.27,"sentiment":"neutral","sentiment_score":0.1110168385008971},{"text":"They are a little bit more investor orientated because they do have a lot more of a open market approach to how you can invest, where your industry funds will focus on group investments, where, you know, they give you three to five options on what you can invest in.","start":398.27,"end":417.88,"sentiment":"neutral","sentiment_score":0.1716926084458828},{"text":"MyNorth and other, you know, open retail platforms allow you to basically invest in pretty much the majority of the ASX or the Australian Stock Exchange.","start":419.06003,"end":429.08002,"sentiment":"neutral","sentiment_score":0.18125657450694305}],"sentiment":"neutral","sentiment_score":0.12739584696853262,"num_words":117,"start":383.105,"end":429.08002},{"sentences":[{"text":"So that's sort of the difference.","start":430.425,"end":431.945,"sentiment":"neutral","sentiment_score":0.07285947601000468},{"text":"Whereas your your, you know, your rest and your strength through stuff like that, they are industry funds, and and they're very, very much open to anyone and everyone to be able to invest in because they are very segmented in what they offer.","start":431.945,"end":446.33002,"sentiment":"neutral","sentiment_score":0.31352928500961175},{"text":"Very simplistic in nature.","start":447.11002,"end":448.65,"sentiment":"neutral","sentiment_score":0.20461801812052727},{"text":"They obviously all all super funds act as a as a trustee, and they all have to abide by the same legislation.","start":449.67,"end":456.25,"sentiment":"neutral","sentiment_score":0.14860014617443085},{"text":"But, yeah, it MyNorth is a regulated APRA fund, a p r a, which means that they they are a a legal superannuation fund.","start":457.67,"end":467.675,"sentiment":"neutral","sentiment_score":0.09116774192079902}],"sentiment":"neutral","sentiment_score":0.20508146490901707,"num_words":100,"start":430.425,"end":467.675},{"sentences":[{"text":"They just operate very differently to how an industry fund does.","start":467.675,"end":471.535,"sentiment":"neutral","sentiment_score":-0.155959543179382}],"sentiment":"neutral","sentiment_score":-0.155959543179382,"num_words":11,"start":467.675,"end":471.535}]}}]},{"alternatives":[{"transcript":"Good afternoon. The Local Framing Studio. Catherine speaking. Sorry. Is it Larissa? How are you? Good. Yep. There's no one in at the moment. So yep. Catherine Owen Jordan, 1968. 190 Jasper Road, Bentley. Is that what you needed? K. Mhmm. Mhmm. So even with only, like, $10,000 in there, they'll pay out all of that. Mhmm. Yeah. Yeah. Yep. So the two investment properties that I have, are you in in a position to give me advice around all of that as well? Yep. That will be good. I just I wanna look at absolutely everything. Mhmm. Mhmm. Yep. Why have I never heard of my North? Mhmm. Right. Okay. Mhmm. Yep. Yep. Mhmm. Yep. So they actively trade. Are you still 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The Local Framing Studio. Catherine speaking. Sorry. Is it Larissa?\n\nHow are you? Good. Yep. There's no one in at the moment. So yep.\n\nCatherine Owen Jordan, 1968. 190 Jasper Road, Bentley. Is that what you needed? K. Mhmm.\n\nMhmm. So even with only, like, $10,000 in there, they'll pay out all of that. Mhmm. Yeah. Yeah.\n\nYep. So the two investment properties that I have, are you in in a position to give me advice around all of that as well? Yep. That will be good. I just I wanna look at absolutely everything.\n\nMhmm. Mhmm. Yep. Why have I never heard of my North? Mhmm.\n\nRight. Okay. Mhmm. Yep. Yep.\n\nMhmm. Yep. So they actively trade. 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good.","start":273.63,"end":274.27002,"sentiment":"positive","sentiment_score":0.5077547281980515},{"text":"I just I wanna look at absolutely everything.","start":274.27002,"end":276.85,"sentiment":"neutral","sentiment_score":0.2573265749961138}],"sentiment":"neutral","sentiment_score":0.14564376741059518,"num_words":38,"start":235.47499,"end":276.85},{"sentences":[{"text":"Mhmm.","start":290.585,"end":291.085,"sentiment":"neutral","sentiment_score":0.06713898479938507},{"text":"Mhmm.","start":366.06,"end":366.38,"sentiment":"neutral","sentiment_score":0.02320489287376404},{"text":"Yep.","start":366.38,"end":366.88,"sentiment":"neutral","sentiment_score":0.025639459490776065},{"text":"Why have I never heard of my North?","start":368.83502,"end":370.61502,"sentiment":"neutral","sentiment_score":-0.047536039259284735},{"text":"Mhmm.","start":378.755,"end":379.255,"sentiment":"neutral","sentiment_score":0.026139479130506516}],"sentiment":"neutral","sentiment_score":-0.019847124814987183,"num_words":12,"start":290.585,"end":379.255},{"sentences":[{"text":"Right.","start":382.41,"end":382.91,"sentiment":"neutral","sentiment_score":0.036703407764434814},{"text":"Okay.","start":387.85,"end":388.35,"sentiment":"neutral","sentiment_score":0.019614247605204586},{"text":"Mhmm.","start":393.69,"end":394.19,"sentiment":"neutral","sentiment_score":0.0383785255253315},{"text":"Yep.","start":418.0,"end":418.5,"sentiment":"neutral","sentiment_score":0.14315065741539},{"text":"Yep.","start":429.895,"end":430.395,"sentiment":"neutral","sentiment_score":0.0987268090248108}],"sentiment":"neutral","sentiment_score":0.06731472946703435,"num_words":5,"start":382.41,"end":430.395},{"sentences":[{"text":"Mhmm.","start":462.995,"end":463.495,"sentiment":"neutral","sentiment_score":0.051062725484371185},{"text":"Yep.","start":473.56,"end":474.06,"sentiment":"neutral","sentiment_score":0.03197484463453293},{"text":"So they actively trade.","start":474.28,"end":476.22,"sentiment":"neutral","sentiment_score":0.03510725125670433},{"text":"Are you still there?","start":480.84,"end":481.82,"sentiment":"neutral","sentiment_score":-0.11326314881443977}],"sentiment":"neutral","sentiment_score":-0.022958602011203765,"num_words":10,"start":462.995,"end":481.82}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Good afternoon. The Local Framing Studio. Catherine speaking.\n\nChannel 0: Hi. Catherine Larissa from Oakview Financial. How are you going?\n\nChannel 1: Sorry. Is it Larissa?\n\nChannel 0: Yeah. From Oakview Financial.\n\nChannel 1: How are you?\n\nChannel 0: Yeah. I'm good, darling. How are you?\n\nChannel 1: Good.\n\nChannel 0: That's good. I know you're busy, and I know I'm calling you ad hoc. I know you spoke with the team yesterday. I just wanted to give you a call and just, I guess, run through, make sure that you had a good understanding of the advice and from an advice lens, make sure that you were all comfortable with everything. We don't have to chat now if you are inundated or busy.\n\nAnd if I've got you at a good time?\n\nChannel 1: Yep. There's no one in at the moment. So\n\nChannel 0: Oh,\n\nChannel 1: yep.\n\nChannel 0: luck is on my side. Well well, I do need to let you know that, of course, our calls are recorded. And if I could just get you some some security, so it's just your full name, date of birth, and address that we would have on file.\n\nChannel 1: Catherine Owen Jordan, 1968. 190 Jasper Road, Bentley. Is that what you needed?\n\nChannel 0: Perfect.\n\nChannel 1: K.\n\nChannel 0: Yes. So, ultimately, you know, the advice that we discussed and and from our initial con conversation, we went through and had a look at your superannuation and your insurance and and looking at, like, estate planning and and and just making sure that your retirement outcomes were were looking good. Now I obviously took into consideration what your planned retirement outcomes were and also how to look at your insurance. I know that insurance wasn't a massive issue for you. As you said, once you're dead, you're dead.\n\nYou don't really need it, but still making sure that you did have something in place. And I think the the biggest the biggest, like, leverage point that your your current insurance policy had was the fact that it has the disability insurance attached to it. So you've got\n\nChannel 1: Mhmm.\n\nChannel 0: that that TPD and the income protection. So if anything happens to you, you have that benefit. For that reason, I have recommended that we obviously retain that insurance policy because I could not find anything comparable available for the same premium. Anything else available on market was quite expensive,\n\nChannel 1: Mhmm.\n\nChannel 0: and it just wasn't gonna, you know,\n\nChannel 1: So\n\nChannel 0: be\n\nChannel 1: even\n\nChannel 0: worthwhile.\n\nChannel 1: with only, like, $10,000 in there, they'll pay out\n\nChannel 0: Yeah. The the\n\nChannel 1: all\n\nChannel 0: the\n\nChannel 1: of\n\nChannel 0: insurance.\n\nChannel 1: that.\n\nChannel 0: Yeah. So what happens is basically the $10,000 sitting in rest becomes an insurance premium account. So that\n\nChannel 1: Mhmm.\n\nChannel 0: that money is just basically gonna funnel the insurance premiums. And if anything happens, basically, the insurer for rest pays that lump sum, so total permanent disability would be paid into that rest account. And then from that, it then gets paid out to you. And with the income protection, because it's a it's a income, it gets paid direct to you each month after you, you know, set out the waiting period of sixty days. It would pay to you each\n\nChannel 1: Yeah.\n\nChannel 0: month. So,\n\nChannel 1: Yeah.\n\nChannel 0: ultimately speaking, you wouldn't see the first payment until day 90 of being off work because it pays in arrears, and it doesn't pay for the waiting period or period of time. So it's still you know, it's it's a benefit that's there if anything does happen whilst it's not, you know, gonna do a massive amount to to, you know, bolster or pay for, you know, any of the mortgages or anything like that. It is gonna give you something to to help. And the hope is is that, obviously, we can focus on building up your superannuation benefit and and focus on, you know, paying down the debts and stuff like that. So that way, we are able to self insure you.\n\nSo if anything does happen, you're never able to work again, it doesn't matter in the long run because you have sufficient assets\n\nChannel 1: Yep.\n\nChannel 0: behind you to to cover everything off.\n\nChannel 1: So the two investment properties that I have, are you\n\nChannel 0: Mhmm.\n\nChannel 1: in in a position to give me advice around all of that as well?\n\nChannel 0: Yeah. Definitely ongoing. If if if you wanna seek advice and we we wanna have a discussion, you know, down the line, it could be now, it could be later, it can you know, however you wanna structure it to be able to talk about the the investment properties. We can definitely do that, whether it be, you know, looking at liquidating them, looking at, you know, how to structure them, looking at whether we maybe use some of the equity to buy again, whatever the case may be. Definitely.\n\nChannel 1: Yep. That will be good. I just I wanna look at absolutely everything.\n\nChannel 0: Yeah. No. Yeah. Definitely. Definitely can.\n\nLet me get through this, and then we can sort of schedule at a time that we can kind of maybe dig a little deeper into what you're wanting to look at with the investment properties?\n\nChannel 1: Mhmm.\n\nChannel 0: Yeah. Perfect. So when we went through the risk profile, you you came out as, like, a high growth investor that you, you know, still spending a time before we were looking to access the money and still willing to take on a little bit of the risk with the investment, but, obviously, taking on a diversified approach, not, you know, exit all in one basket, making sure that we were gonna cover everything off nicely, not taking, you know, risky, you know, uncalculated investment approaches, but still having a decent amount of that asset in the market and not sitting really conservatively in cash or anything like that. So what I've recommended is that we do look at engaging and opening up a MyNorth account and with that's where the bulk of your funds will fit and where we will invest the money in MyNorth. It's a nice low cost fund, which is fantastic, and we're gonna be able to cost effectively, you know, grow your investments over there.\n\nAnd and then from that, what we would do is we would just do, like, rollovers from your rest account every year just to keep that balance at $10,000 because we wanna, you know, make sure that we're maintaining the account balance to pay premiums. We don't want a lot of money sitting over in that account.\n\nChannel 1: Mhmm. Yep. Why have I never heard of my North?\n\nChannel 0: So there's different types of funds available. So you've got your industry funds, which are the funds that you hear about all the time, and\n\nChannel 1: Mhmm.\n\nChannel 0: then you've got you've got retail funds, which is what a MyNorth is.\n\nChannel 1: Right.\n\nChannel 0: And retail funds are funds that are available to\n\nChannel 1: Okay.\n\nChannel 0: people, but they don't, I guess, boast as much as what the industry funds do. And, generally,\n\nChannel 1: Mhmm.\n\nChannel 0: they are in a very much advice based platform. They're a little bit more niche. They are a little bit more investor orientated because they do have a lot more of a open market approach to how you can invest, where your industry funds will focus on group investments, where, you know, they give you three to five options on what you can invest in.\n\nChannel 1: Yep.\n\nChannel 0: MyNorth and other, you know, open retail platforms allow you to basically invest in pretty much the majority of the ASX or the Australian Stock Exchange.\n\nChannel 1: Yep.\n\nChannel 0: So that's sort of the difference. Whereas your your, you know, your rest and your strength through stuff like that, they are industry funds, and and they're very, very much open to anyone and everyone to be able to invest in because they are very segmented in what they offer. Very simplistic in nature. They obviously all all super funds act as a as a trustee, and they all have to abide by the same legislation. But, yeah, it MyNorth is a regulated APRA fund, a p r a, which\n\nChannel 1: Mhmm.\n\nChannel 0: means that they they are a a legal superannuation fund. They just operate very differently to how an industry fund does.\n\nChannel 1: Yep. So they actively trade. Are you still there?","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":0.08,"end":0.71999997,"sentiment":"neutral","sentiment_score":0.1811455339193344},{"text":"The Local Framing Studio.","start":0.71999997,"end":1.92,"sentiment":"neutral","sentiment_score":0.07075574062764645},{"text":"Catherine speaking.","start":1.92,"end":2.82,"sentiment":"neutral","sentiment_score":0.03252457641065121}],"sentiment":"neutral","sentiment_score":0.08879539789631963,"channel":1,"num_words":8,"start":0.08,"end":2.82},{"sentences":[{"text":"Hi.","start":3.76,"end":4.0,"sentiment":"neutral","sentiment_score":0.08553550392389297},{"text":"Catherine Larissa from Oakview Financial.","start":4.0,"end":6.16,"sentiment":"neutral","sentiment_score":0.0909864954650402},{"text":"How are you going?","start":6.16,"end":7.14,"sentiment":"neutral","sentiment_score":0.11613958142697811}],"sentiment":"neutral","sentiment_score":0.10050263069570065,"channel":0,"num_words":10,"start":3.76,"end":7.14},{"sentences":[{"text":"Sorry.","start":8.559999,"end":8.96,"sentiment":"neutral","sentiment_score":0.009709829464554788},{"text":"Is it Larissa?","start":8.96,"end":9.78,"sentiment":"neutral","sentiment_score":0.014755759698649248}],"sentiment":"neutral","sentiment_score":0.013494277140125632,"channel":1,"num_words":4,"start":8.559999,"end":9.78},{"sentences":[{"text":"Yeah.","start":10.24,"end":10.639999,"sentiment":"neutral","sentiment_score":0.0428319126367569},{"text":"From Oakview Financial.","start":10.639999,"end":11.7,"sentiment":"neutral","sentiment_score":0.054684591790040336}],"sentiment":"neutral","sentiment_score":0.051721422001719475,"channel":0,"num_words":4,"start":10.24,"end":11.7},{"sentences":[{"text":"How are you?","start":12.559999,"end":13.46,"sentiment":"neutral","sentiment_score":0.08273955186208089}],"sentiment":"neutral","sentiment_score":0.08273955186208089,"channel":1,"num_words":3,"start":12.559999,"end":13.46},{"sentences":[{"text":"Yeah.","start":13.724999,"end":13.965,"sentiment":"neutral","sentiment_score":0.21477141976356504},{"text":"I'm good, darling.","start":13.965,"end":14.764999,"sentiment":"positive","sentiment_score":0.5247736771901449},{"text":"How are you?","start":14.764999,"end":15.585,"sentiment":"positive","sentiment_score":0.33333418766657513}],"sentiment":"positive","sentiment_score":0.39844214490481783,"channel":0,"num_words":7,"start":13.724999,"end":15.585},{"sentences":[{"text":"Good.","start":15.705,"end":16.205,"sentiment":"positive","sentiment_score":0.4638344347476959}],"sentiment":"positive","sentiment_score":0.4638344347476959,"channel":1,"num_words":1,"start":15.705,"end":16.205},{"sentences":[{"text":"That's good.","start":16.925,"end":17.645,"sentiment":"positive","sentiment_score":0.5277084112167358},{"text":"I know you're busy, and I know I'm calling you ad hoc.","start":17.645,"end":20.465,"sentiment":"neutral","sentiment_score":0.03438624108578855},{"text":"I know you spoke with the team yesterday.","start":20.685,"end":22.384998,"sentiment":"neutral","sentiment_score":0.08792720828205347},{"text":"I just wanted to give you a call and just, I guess, run through, make sure that you had a good understanding of the advice and from an advice lens, make sure that you were all comfortable with everything.","start":22.445,"end":33.260002,"sentiment":"neutral","sentiment_score":0.21593395926249334},{"text":"We don't have to chat now if you are inundated or busy.","start":33.4,"end":36.940002,"sentiment":"neutral","sentiment_score":-0.047637141620119415}],"sentiment":"neutral","sentiment_score":0.1372773711440434,"channel":0,"num_words":73,"start":16.925,"end":36.940002},{"sentences":[{"text":"And if I've got you at a good time?","start":37.08,"end":38.775,"sentiment":"neutral","sentiment_score":0.039845272484752864}],"sentiment":"neutral","sentiment_score":0.039845272484752864,"channel":0,"num_words":9,"start":37.08,"end":38.775},{"sentences":[{"text":"Yep.","start":38.77,"end":39.01,"sentiment":"neutral","sentiment_score":-0.0065132370218634605},{"text":"There's no one in at the moment.","start":39.01,"end":40.53,"sentiment":"neutral","sentiment_score":-0.2386642566749028},{"text":"So","start":40.53,"end":40.77,"sentiment":"neutral","sentiment_score":-0.059835102409124374}],"sentiment":"neutral","sentiment_score":-0.19299979290614525,"channel":1,"num_words":9,"start":38.77,"end":40.77},{"sentences":[{"text":"Oh,","start":40.855003,"end":41.355003,"sentiment":"neutral","sentiment_score":0.02753535285592079}],"sentiment":"neutral","sentiment_score":0.02753535285592079,"channel":0,"num_words":1,"start":40.855003,"end":41.355003},{"sentences":[{"text":"yep.","start":41.02,"end":41.52,"sentiment":"neutral","sentiment_score":0.05617103725671768}],"sentiment":"neutral","sentiment_score":0.05617103725671768,"channel":1,"num_words":1,"start":41.02,"end":41.52},{"sentences":[{"text":"luck is on my side.","start":41.655003,"end":42.875,"sentiment":"neutral","sentiment_score":0.12855566442012786},{"text":"Well well, I do need to let you know that, of course, our calls are recorded.","start":44.375,"end":47.915,"sentiment":"neutral","sentiment_score":0.09105597482994199},{"text":"And if I could just get you some some security, so it's just your full name, date of birth, and address that we would have on file.","start":48.135002,"end":53.835,"sentiment":"neutral","sentiment_score":0.06642204716249749}],"sentiment":"neutral","sentiment_score":0.08110560818264882,"channel":0,"num_words":48,"start":41.655003,"end":53.835},{"sentences":[{"text":"Catherine Owen Jordan, 1968.","start":54.65,"end":58.65,"sentiment":"neutral","sentiment_score":0.021223136689513922},{"text":"190 Jasper Road, Bentley.","start":58.65,"end":60.83,"sentiment":"neutral","sentiment_score":0.019530673045665026},{"text":"Is that what you 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looking at, like, estate planning and and and just making sure that your retirement outcomes were were looking good.","start":65.61,"end":84.33,"sentiment":"neutral","sentiment_score":0.1006577417999506},{"text":"Now I obviously took into consideration what your planned retirement outcomes were and also how to look at your insurance.","start":84.71,"end":95.065,"sentiment":"neutral","sentiment_score":0.008227011561393738},{"text":"I know that insurance wasn't a massive issue for you.","start":95.065,"end":97.784996,"sentiment":"neutral","sentiment_score":-0.15721823647618294},{"text":"As you said, once you're dead, you're dead.","start":97.784996,"end":100.265,"sentiment":"neutral","sentiment_score":-0.1442115269601345}],"sentiment":"neutral","sentiment_score":0.029181859089752262,"channel":0,"num_words":89,"start":63.53,"end":100.265},{"sentences":[{"text":"You don't really need it, but still making sure that you did have something in place.","start":100.265,"end":105.945,"sentiment":"neutral","sentiment_score":-0.04278531880117953},{"text":"And I think the the biggest the biggest, like, leverage point that your your current insurance policy had was the fact that it has the disability insurance attached to it.","start":105.945,"end":114.15,"sentiment":"neutral","sentiment_score":-0.1825559248526891},{"text":"So you've got","start":114.15,"end":114.71,"sentiment":"neutral","sentiment_score":-0.08666819334030151}],"sentiment":"neutral","sentiment_score":-0.1310458658453153,"channel":0,"num_words":49,"start":100.265,"end":114.71},{"sentences":[{"text":"Mhmm.","start":114.61,"end":115.11,"sentiment":"neutral","sentiment_score":-0.04607115313410759}],"sentiment":"neutral","sentiment_score":-0.04607115313410759,"channel":1,"num_words":1,"start":114.61,"end":115.11},{"sentences":[{"text":"that that TPD and the income 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only, like, $10,000 in there, they'll pay out","start":138.63,"end":142.81,"sentiment":"neutral","sentiment_score":-0.07656921322147052}],"sentiment":"neutral","sentiment_score":-0.07656921322147052,"channel":1,"num_words":9,"start":138.63,"end":142.81},{"sentences":[{"text":"Yeah.","start":143.56999,"end":144.05,"sentiment":"neutral","sentiment_score":-0.031345218420028687},{"text":"The 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speaking, you wouldn't see the first payment until day 90 of being off work because it pays in arrears, and it doesn't pay for the waiting period or period of time.","start":185.555,"end":198.82999,"sentiment":"neutral","sentiment_score":-0.017710142536088824},{"text":"So it's still you know, it's it's a benefit that's there if anything does happen whilst it's not, you know, gonna do a massive amount to to, you know, bolster or pay for, you know, any of the mortgages or anything like that.","start":200.81,"end":213.645,"sentiment":"neutral","sentiment_score":0.15155850732049278},{"text":"It is gonna give you something to to help.","start":213.645,"end":216.785,"sentiment":"positive","sentiment_score":0.44030580917994183},{"text":"And the hope is is that, obviously, we can focus on building up your superannuation benefit and and focus on, you know, paying down the debts and stuff like that.","start":216.925,"end":226.86,"sentiment":"positive","sentiment_score":0.3748200168212255},{"text":"So that way, we are able to self insure you.","start":226.86,"end":229.42,"sentiment":"positive","sentiment_score":0.4252681791782379}],"sentiment":"neutral","sentiment_score":0.20492198252149166,"channel":0,"num_words":124,"start":185.555,"end":229.42},{"sentences":[{"text":"So if anything does happen, you're never able to work again, it doesn't matter in the long run because you have sufficient assets","start":229.42,"end":235.825,"sentiment":"neutral","sentiment_score":0.2036682930977448}],"sentiment":"neutral","sentiment_score":0.2036682930977448,"channel":0,"num_words":23,"start":229.42,"end":235.825},{"sentences":[{"text":"Yep.","start":235.47499,"end":235.97499,"sentiment":"neutral","sentiment_score":0.15920782089233398}],"sentiment":"neutral","sentiment_score":0.15920782089233398,"channel":1,"num_words":1,"start":235.47499,"end":235.97499},{"sentences":[{"text":"behind you to to cover everything off.","start":235.825,"end":237.92499,"sentiment":"neutral","sentiment_score":0.13727069858993804}],"sentiment":"neutral","sentiment_score":0.13727069858993804,"channel":0,"num_words":7,"start":235.825,"end":237.92499},{"sentences":[{"text":"So the two investment properties that I have, are you","start":238.19499,"end":241.655,"sentiment":"neutral","sentiment_score":0.032448090799152854}],"sentiment":"neutral","sentiment_score":0.032448090799152854,"channel":1,"num_words":10,"start":238.19499,"end":241.655},{"sentences":[{"text":"Mhmm.","start":241.34499,"end":241.84499,"sentiment":"neutral","sentiment_score":0.028764868155121803}],"sentiment":"neutral","sentiment_score":0.028764868155121803,"channel":0,"num_words":1,"start":241.34499,"end":241.84499},{"sentences":[{"text":"in in a position to give me advice around all of that as 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whatever the case may be.","start":261.065,"end":271.545,"sentiment":"neutral","sentiment_score":0.15181497745215894},{"text":"Definitely.","start":271.545,"end":272.045,"sentiment":"neutral","sentiment_score":0.217410072684288}],"sentiment":"neutral","sentiment_score":0.1499871775507927,"channel":0,"num_words":90,"start":247.28001,"end":272.045},{"sentences":[{"text":"Yep.","start":273.23,"end":273.63,"sentiment":"neutral","sentiment_score":0.27225303649902344},{"text":"That will be good.","start":273.63,"end":274.27002,"sentiment":"positive","sentiment_score":0.5077547281980515},{"text":"I just I wanna look at absolutely everything.","start":274.27002,"end":276.85,"sentiment":"neutral","sentiment_score":0.2573265749961138}],"sentiment":"positive","sentiment_score":0.3355295807123184,"channel":1,"num_words":13,"start":273.23,"end":276.85},{"sentences":[{"text":"Yeah.","start":277.54,"end":278.04,"sentiment":"neutral","sentiment_score":0.06552809476852417},{"text":"No.","start":278.1,"end":278.5,"sentiment":"neutral","sentiment_score":0.04105155915021896},{"text":"Yeah.","start":278.5,"end":278.9,"sentiment":"neutral","sentiment_score":0.08922502398490906},{"text":"Definitely.","start":278.9,"end":279.4,"sentiment":"neutral","sentiment_score":0.1680372655391693},{"text":"Definitely can.","start":279.54,"end":280.44,"sentiment":"neutral","sentiment_score":0.3227899968624115}],"sentiment":"neutral","sentiment_score":0.16823698952794075,"channel":0,"num_words":6,"start":277.54,"end":280.44},{"sentences":[{"text":"Let me get through this, and then we can sort of schedule at a time that we can kind of maybe dig a little deeper into what you're wanting to look at with the investment properties?","start":282.97998,"end":290.135,"sentiment":"neutral","sentiment_score":0.1239285578744279}],"sentiment":"neutral","sentiment_score":0.1239285578744279,"channel":0,"num_words":36,"start":282.97998,"end":290.135},{"sentences":[{"text":"Mhmm.","start":290.585,"end":291.085,"sentiment":"neutral","sentiment_score":0.06713898479938507}],"sentiment":"neutral","sentiment_score":0.06713898479938507,"channel":1,"num_words":1,"start":290.585,"end":291.085},{"sentences":[{"text":"Yeah.","start":291.155,"end":291.555,"sentiment":"neutral","sentiment_score":0.21282215416431427},{"text":"Perfect.","start":291.555,"end":292.055,"sentiment":"positive","sentiment_score":0.3910716772079468},{"text":"So when we went through the risk profile, you you came out as, like, a high growth investor that you, you know, still spending a time before we were looking to access the money and still willing to take on a little bit of the risk with the investment, but, obviously, taking on a diversified approach, not, you know, exit all in one basket, making sure that we were gonna cover everything off nicely, not taking, you know, risky, you know, uncalculated investment approaches, but still having a decent amount of that asset in the market and not sitting really conservatively in cash or anything like that.","start":292.995,"end":323.825,"sentiment":"neutral","sentiment_score":0.1478983635935828},{"text":"So what I've recommended is that we do look at engaging and opening up a MyNorth account and with that's where the bulk of your funds will fit and where we will invest the money in MyNorth.","start":324.92502,"end":336.73,"sentiment":"neutral","sentiment_score":0.3257562840307081},{"text":"It's a nice low cost fund, which is fantastic, and we're gonna be able to cost effectively, you know, grow your investments over there.","start":337.91,"end":347.595,"sentiment":"positive","sentiment_score":0.665824992582202}],"sentiment":"neutral","sentiment_score":0.2615400062764392,"channel":0,"num_words":170,"start":291.155,"end":347.595},{"sentences":[{"text":"And and then from that, what we would do is we would just do, like, rollovers from your rest account every year just to keep that balance at $10,000 because we wanna, you know, make sure that we're maintaining the account balance to pay premiums.","start":347.975,"end":363.17,"sentiment":"neutral","sentiment_score":0.14365524533722135},{"text":"We don't want a lot of money sitting over in that account.","start":363.17,"end":365.35,"sentiment":"neutral","sentiment_score":-0.17258557366828123}],"sentiment":"neutral","sentiment_score":0.07707823080974713,"channel":0,"num_words":57,"start":347.975,"end":365.35},{"sentences":[{"text":"Mhmm.","start":366.06,"end":366.38,"sentiment":"neutral","sentiment_score":0.02320489287376404},{"text":"Yep.","start":366.38,"end":366.88,"sentiment":"neutral","sentiment_score":0.025639459490776065},{"text":"Why have I never heard of my North?","start":368.83502,"end":370.61502,"sentiment":"neutral","sentiment_score":-0.047536039259284735}],"sentiment":"neutral","sentiment_score":-0.033144396170973776,"channel":1,"num_words":10,"start":366.06,"end":370.61502},{"sentences":[{"text":"So there's different types of funds available.","start":372.14502,"end":374.40503,"sentiment":"neutral","sentiment_score":0.0074766286249671665},{"text":"So you've got your industry funds, which are the funds that you hear about all the time, and","start":374.625,"end":378.785,"sentiment":"neutral","sentiment_score":0.03803072145415677}],"sentiment":"neutral","sentiment_score":0.02947557546198368,"channel":0,"num_words":25,"start":372.14502,"end":378.785},{"sentences":[{"text":"Mhmm.","start":378.755,"end":379.255,"sentiment":"neutral","sentiment_score":0.026139479130506516}],"sentiment":"neutral","sentiment_score":0.026139479130506516,"channel":1,"num_words":1,"start":378.755,"end":379.255},{"sentences":[{"text":"then you've got you've got retail funds, which is what a MyNorth 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to","start":383.105,"end":387.94998,"sentiment":"neutral","sentiment_score":0.03467523968882031}],"sentiment":"neutral","sentiment_score":0.03467523968882031,"channel":0,"num_words":9,"start":383.105,"end":387.94998},{"sentences":[{"text":"Okay.","start":387.85,"end":388.35,"sentiment":"neutral","sentiment_score":0.019614247605204586}],"sentiment":"neutral","sentiment_score":0.019614247605204586,"channel":1,"num_words":1,"start":387.85,"end":388.35},{"sentences":[{"text":"people, but they don't, I guess, boast as much as what the industry funds do.","start":387.94998,"end":393.22998,"sentiment":"neutral","sentiment_score":-0.007399092490474383},{"text":"And, generally,","start":393.22998,"end":394.05,"sentiment":"neutral","sentiment_score":0.017093886621296406}],"sentiment":"neutral","sentiment_score":-0.004517565536148408,"channel":0,"num_words":17,"start":387.94998,"end":394.05},{"sentences":[{"text":"Mhmm.","start":393.69,"end":394.19,"sentiment":"neutral","sentiment_score":0.0383785255253315}],"sentiment":"neutral","sentiment_score":0.0383785255253315,"channel":1,"num_words":1,"start":393.69,"end":394.19},{"sentences":[{"text":"they are in a very much advice based platform.","start":394.11,"end":396.34998,"sentiment":"neutral","sentiment_score":0.07851479575037956},{"text":"They're a little bit more niche.","start":396.34998,"end":398.27,"sentiment":"neutral","sentiment_score":0.1110168385008971},{"text":"They are a little bit more investor orientated because they do have a lot more of a open market approach to how you can invest, where your industry funds will focus on group investments, where, you know, they give you three to five options on what you can invest in.","start":398.27,"end":417.88,"sentiment":"neutral","sentiment_score":0.1716926084458828}],"sentiment":"neutral","sentiment_score":0.1531902248469683,"channel":0,"num_words":65,"start":394.11,"end":417.88},{"sentences":[{"text":"Yep.","start":418.0,"end":418.5,"sentiment":"neutral","sentiment_score":0.14315065741539}],"sentiment":"neutral","sentiment_score":0.14315065741539,"channel":1,"num_words":1,"start":418.0,"end":418.5},{"sentences":[{"text":"MyNorth and other, you know, open retail platforms allow you to basically invest in pretty much the majority of the ASX or the Australian Stock Exchange.","start":419.06003,"end":429.08002,"sentiment":"neutral","sentiment_score":0.18125657450694305}],"sentiment":"neutral","sentiment_score":0.18125657450694305,"channel":0,"num_words":26,"start":419.06003,"end":429.08002},{"sentences":[{"text":"Yep.","start":429.895,"end":430.395,"sentiment":"neutral","sentiment_score":0.0987268090248108}],"sentiment":"neutral","sentiment_score":0.0987268090248108,"channel":1,"num_words":1,"start":429.895,"end":430.395},{"sentences":[{"text":"So that's sort of the difference.","start":430.425,"end":431.945,"sentiment":"neutral","sentiment_score":0.07285947601000468},{"text":"Whereas your your, you know, your rest and your strength through stuff like that, they are industry funds, and and they're very, very much open to anyone and everyone to be able to invest in because they are very segmented in what they offer.","start":431.945,"end":446.33002,"sentiment":"neutral","sentiment_score":0.31352928500961175},{"text":"Very simplistic in nature.","start":447.11002,"end":448.65,"sentiment":"neutral","sentiment_score":0.20461801812052727},{"text":"They obviously all all super funds act as a as a trustee, and they all have to abide by the same legislation.","start":449.67,"end":456.25,"sentiment":"neutral","sentiment_score":0.14860014617443085},{"text":"But, yeah, it MyNorth is a regulated APRA fund, a p r a, which","start":457.67,"end":463.035,"sentiment":"neutral","sentiment_score":0.11871684715151787}],"sentiment":"neutral","sentiment_score":0.22202396161026425,"channel":0,"num_words":90,"start":430.425,"end":463.035},{"sentences":[{"text":"Mhmm.","start":462.995,"end":463.495,"sentiment":"neutral","sentiment_score":0.051062725484371185}],"sentiment":"neutral","sentiment_score":0.051062725484371185,"channel":1,"num_words":1,"start":462.995,"end":463.495},{"sentences":[{"text":"means that they they are a a legal superannuation fund.","start":463.035,"end":467.675,"sentiment":"neutral","sentiment_score":0.052598994597792624},{"text":"They just operate very differently to how an industry fund does.","start":467.675,"end":471.535,"sentiment":"neutral","sentiment_score":-0.155959543179382}],"sentiment":"neutral","sentiment_score":-0.05664595376167979,"channel":0,"num_words":21,"start":463.035,"end":471.535},{"sentences":[{"text":"Yep.","start":473.56,"end":474.06,"sentiment":"neutral","sentiment_score":0.03197484463453293},{"text":"So they actively trade.","start":474.28,"end":476.22,"sentiment":"neutral","sentiment_score":0.03510725125670433},{"text":"Are you still there?","start":480.84,"end":481.82,"sentiment":"neutral","sentiment_score":-0.11326314881443977}],"sentiment":"neutral","sentiment_score":-0.03118319395515654,"channel":1,"num_words":9,"start":473.56,"end":481.82}]},"summary":{"result":"success","short":"Oakview Financial provides Catherine with information on her retirement benefits and insurance policy, emphasizing the benefits of the policy and offering a refund. They also discuss the $10,000 in the insurance policy and the option to pay it directly to the insurer. The speaker recommends using the customer's equity to buy investment properties and engaging in a MyNorth account to maintain the account balance and invest in the majority of the customer's assets. The customer is advised to use their rest and strength through their industry funds and retail funds, regulated and act like a trustee."},"intents":{"segments":[{"text":"I know you're busy, and I know I'm calling you ad hoc. I know you spoke with the team yesterday. I just wanted to give you a call and just, I guess, run through, make sure that you had a good understanding of the advice and from an advice lens, make sure that you were all comfortable with everything.","start_word":39,"end_word":97,"intents":[{"intent":"Understand advice","confidence_score":0.12646927}]},{"text":"Well well, I do need to let you know that, of course, our calls are recorded. And if I could just get you some some security, so it's just your full name, date of birth, and address that we would have on file. Catherine Owen Jordan, 1968.","start_word":135,"end_word":181,"intents":[{"intent":"Provide security","confidence_score":0.039258964}]},{"text":"So, ultimately, you know, the advice that we discussed and and from our initial con conversation, we went through and had a look at your superannuation and your insurance and and looking at, like, estate planning and and and just making sure that your retirement outcomes were were looking good. Now I obviously took into consideration what your planned retirement outcomes were and also how to look at your insurance.","start_word":194,"end_word":263,"intents":[{"intent":"Look at insurance","confidence_score":0.29034284}]},{"text":"For that reason, I have recommended that we obviously retain that insurance policy because I could not find anything comparable available for the same premium.","start_word":349,"end_word":373,"intents":[{"intent":"Retain insurance policy","confidence_score":0.76042217}]},{"text":"Anything else available on market was quite expensive, Mhmm.","start_word":374,"end_word":382,"intents":[{"intent":"Address expenses","confidence_score":0.00011527713}]},{"text":"with only, like, $10,000 in there, they'll pay out Yeah.","start_word":394,"end_word":403,"intents":[{"intent":"Provide payment plan","confidence_score":0.0044085947}]},{"text":"And with the income protection, because it's a it's a income, it gets paid direct to you each month after you, you know, set out the waiting period of sixty days. It would pay to you each Yeah.","start_word":475,"end_word":512,"intents":[{"intent":"Provide income","confidence_score":0.02718746}]},{"text":"So that way, we are able to self insure you.","start_word":630,"end_word":639,"intents":[{"intent":"Ensure financial security","confidence_score":0.0017047764}]},{"text":"So the two investment properties that I have, are you Mhmm. in in a position to give me advice around all of that as well? Yeah.","start_word":672,"end_word":697,"intents":[{"intent":"Discuss investment properties with advisers","confidence_score":0.0021149726}]},{"text":"And and then from that, what we would do is we would just do, like, rollovers from your rest account every year just to keep that balance at $10,000 because we wanna, you know, make sure that we're maintaining the account balance to pay premiums. We don't want a lot of money sitting over in that account. Mhmm.","start_word":1013,"end_word":1070,"intents":[{"intent":"Maintain account balance","confidence_score":0.7033886}]},{"text":"Why have I never heard of my North? So there's different types of funds available. So you've got your industry funds, which are the funds that you hear about all the time, and Mhmm. then you've got you've got retail funds, which is what a MyNorth is. Right.","start_word":1071,"end_word":1118,"intents":[{"intent":"Describe my north as industry funds","confidence_score":0.079588376}]},{"text":"So you've got your industry funds, which are the funds that you hear about all the time, and Mhmm. then you've got you've got retail funds, which is what a MyNorth is. Right.","start_word":1086,"end_word":1118,"intents":[{"intent":"Describe four tiers of funds","confidence_score":9.4281506e-7}]},{"text":"So you've got your industry funds, which are the funds that you hear about all the time, and Mhmm. then you've got you've got retail funds, which is what a MyNorth is. Right. And retail funds are funds that are available to Okay. people, but they don't, I guess, boast as much as what the industry funds do.","start_word":1086,"end_word":1143,"intents":[{"intent":"Highlight industry funds","confidence_score":0.0010391225},{"intent":"Highlight industry funds as advisor","confidence_score":0.00006319912}]},{"text":"they are in a very much advice based platform. They're a little bit more niche. They are a little bit more investor orientated because they do have a lot more of a open market approach to how you can invest, where your industry funds will focus on group investments, where, you know, they give you three to five options on what you can invest in. Yep.","start_word":1147,"end_word":1212,"intents":[{"intent":"Provide recommendations for portfolios","confidence_score":0.000041690095}]},{"text":"MyNorth and other, you know, open retail platforms allow you to basically invest in pretty much the majority of the ASX or the Australian Stock Exchange. Yep.","start_word":1213,"end_word":1239,"intents":[{"intent":"Highlight my north's focus on investing platforms","confidence_score":0.0000036036154}]},{"text":"But, yeah, it MyNorth is a regulated APRA fund, a p r a, which Mhmm. means that they they are a a legal superannuation fund.","start_word":1316,"end_word":1340,"intents":[{"intent":"Highlight my north as the regulated apra fund","confidence_score":0.000016565658}]}]},"sentiments":{"segments":[{"text":"Good afternoon. The Local Framing Studio. Catherine speaking. Hi. Catherine Larissa from Oakview Financial. How are you going? Sorry. Is it Larissa? Yeah. From Oakview Financial. How are you? Yeah.","start_word":0,"end_word":29,"sentiment":"neutral","sentiment_score":0.07723020762205124},{"text":"I'm good, darling. How are you? Good. That's good.","start_word":30,"end_word":38,"sentiment":"positive","sentiment_score":0.4787725806236267},{"text":"I know you're busy, and I know I'm calling you ad hoc. I know you spoke with the team yesterday. I just wanted to give you a call and just, I guess, run through, make sure that you had a good understanding of the advice and from an advice lens, make sure that you were all comfortable with everything. We don't have to chat now if you are inundated or busy. And if I've got you at a good time? Yep. There's no one in at the moment. So Oh, yep. luck is on my side. Well well, I do need to let you know that, of course, our calls are recorded. And if I could just get you some some security, so it's just your full name, date of birth, and address that we would have on file. Catherine Owen Jordan, 1968. 190 Jasper Road, Bentley. Is that what you needed? Perfect. K. Yes. So, ultimately, you know, the advice that we discussed and and from our initial con conversation, we went through and had a look at your superannuation and your insurance and and looking at, like, estate planning and and and just making sure that your retirement outcomes were were looking good. Now I obviously took into consideration what your planned retirement outcomes were and also how to look at your insurance. I know that insurance wasn't a massive issue for you. As you said, once you're dead, you're dead. You don't really need it, but still making sure that you did have something in place. And I think the the biggest the biggest, like, leverage point that your your current insurance policy had was the fact that it has the disability insurance attached to it. So you've got Mhmm. that that TPD and the income protection. So if anything happens to you, you have that benefit. For that reason, I have recommended that we obviously retain that insurance policy because I could not find anything comparable available for the same premium.","start_word":39,"end_word":373,"sentiment":"neutral","sentiment_score":0.04119446523932379},{"text":"Anything else available on market was quite expensive, Mhmm. and it just wasn't gonna, you know, So be even worthwhile.","start_word":374,"end_word":393,"sentiment":"negative","sentiment_score":-0.446442186832428},{"text":"with only, like, $10,000 in there, they'll pay out Yeah. The the all the of insurance. that. Yeah. So what happens is basically the $10,000 sitting in rest becomes an insurance premium account. So that Mhmm. that money is just basically gonna funnel the insurance premiums. And if anything happens, basically, the insurer for rest pays that lump sum, so total permanent disability would be paid into that rest account. And then from that, it then gets paid out to you. And with the income protection, because it's a it's a income, it gets paid direct to you each month after you, you know, set out the waiting period of sixty days. It would pay to you each Yeah. month. So, Yeah. ultimately speaking, you wouldn't see the first payment until day 90 of being off work because it pays in arrears, and it doesn't pay for the waiting period or period of time. So it's still you know, it's it's a benefit that's there if anything does happen whilst it's not, you know, gonna do a massive amount to to, you know, bolster or pay for, you know, any of the mortgages or anything like that.","start_word":394,"end_word":590,"sentiment":"neutral","sentiment_score":0.075269915163517},{"text":"It is gonna give you something to to help. And the hope is is that, obviously, we can focus on building up your superannuation benefit and and focus on, you know, paying down the debts and stuff like that. So that way, we are able to self insure you.","start_word":591,"end_word":639,"sentiment":"positive","sentiment_score":0.3955722749233246},{"text":"So if anything does happen, you're never able to work again, it doesn't matter in the long run because you have sufficient assets Yep. behind you to to cover everything off. So the two investment properties that I have, are you Mhmm. in in a position to give me advice around all of that as well? Yeah. Definitely ongoing. If if if you wanna seek advice and we we wanna have a discussion, you know, down the line, it could be now, it could be later, it can you know, however you wanna structure it to be able to talk about the the investment properties. We can definitely do that, whether it be, you know, looking at liquidating them, looking at, you know, how to structure them, looking at whether we maybe use some of the equity to buy again, whatever the case may be. Definitely. Yep.","start_word":640,"end_word":786,"sentiment":"neutral","sentiment_score":0.14268869739405962},{"text":"That will be good.","start_word":787,"end_word":790,"sentiment":"positive","sentiment_score":0.5061714053153992},{"text":"I just I wanna look at absolutely everything. Yeah. No. Yeah. Definitely. Definitely can. Let me get through this, and then we can sort of schedule at a time that we can kind of maybe dig a little deeper into what you're wanting to look at with the investment properties? Mhmm. Yeah.","start_word":791,"end_word":842,"sentiment":"neutral","sentiment_score":0.14891938865184784},{"text":"Perfect.","start_word":843,"end_word":843,"sentiment":"positive","sentiment_score":0.3910716772079468},{"text":"So when we went through the risk profile, you you came out as, like, a high growth investor that you, you know, still spending a time before we were looking to access the money and still willing to take on a little bit of the risk with the investment, but, obviously, taking on a diversified approach, not, you know, exit all in one basket, making sure that we were gonna cover everything off nicely, not taking, you know, risky, you know, uncalculated investment approaches, but still having a decent amount of that asset in the market and not sitting really conservatively in cash or anything like that. So what I've recommended is that we do look at engaging and opening up a MyNorth account and with that's where the bulk of your funds will fit and where we will invest the money in MyNorth.","start_word":844,"end_word":987,"sentiment":"neutral","sentiment_score":0.1862332820892334},{"text":"It's a nice low cost fund, which is fantastic, and we're gonna be able to cost effectively, you know, grow your investments over there.","start_word":988,"end_word":1011,"sentiment":"positive","sentiment_score":0.6761990785598755},{"text":"And and then from that, what we would do is we would just do, like, rollovers from your rest account every year just to keep that balance at $10,000 because we wanna, you know, make sure that we're maintaining the account balance to pay premiums. We don't want a lot of money sitting over in that account. Mhmm. Yep. Why have I never heard of my North? So there's different types of funds available. So you've got your industry funds, which are the funds that you hear about all the time, and Mhmm. then you've got you've got retail funds, which is what a MyNorth is. Right. And retail funds are funds that are available to Okay. people, but they don't, I guess, boast as much as what the industry funds do. And, generally, Mhmm. they are in a very much advice based platform. They're a little bit more niche. They are a little bit more investor orientated because they do have a lot more of a open market approach to how you can invest, where your industry funds will focus on group investments, where, you know, they give you three to five options on what you can invest in. Yep. MyNorth and other, you know, open retail platforms allow you to basically invest in pretty much the majority of the ASX or the Australian Stock Exchange. Yep. So that's sort of the difference. Whereas your your, you know, your rest and your strength through stuff like that, they are industry funds, and and they're very, very much open to anyone and everyone to be able to invest in because they are very segmented in what they offer. Very simplistic in nature. They obviously all all super funds act as a as a trustee, and they all have to abide by the same legislation. But, yeah, it MyNorth is a regulated APRA fund, a p r a, which Mhmm. means that they they are a a legal superannuation fund. They just operate very differently to how an industry fund does. Yep. So they actively trade. Are you still there?","start_word":1012,"end_word":1360,"sentiment":"neutral","sentiment_score":0.10670659377274336}],"average":{"sentiment":"neutral","sentiment_score":0.11616280663639517}}}}