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So I'm obviously a little bit late, but as early as I could get you. Cool. I love. Perfect. I love it when it all comes to comes together. So I'm the head of financial advice, and I wanted to give you a call to kind of run through everything and and help you out. Now before we jump into it, I do need to let you know our calls are recorded. And if I could get you confirmed security for me, it's full name, date of birth, and address. Perfect. Okay. So I had to look over your file, and I've had to look through everything. We originally had a conversation with the accountant via email that set up your SMSF, and they stated that they would be requesting the funds from Netwealth to go to the SMSF. Are they no longer going to be assisting you with that transfer? Or Yeah. So, like, in your email chain, I guess, it sort of indicated that you wanted us to, which is fine. We can we can help you roll the money from Netwealth to your SMSF. But, originally, we had some months ago, we received an email from the the accounting firm. I looked at it a couple hours ago. I can't quite remember the accounting firm off the top of my head. Yes. Yeah. Yep. Yes. Yep. Deposit. Okay. Cool. So there's there's two different things that are currently at play here. One is you have an insurance policy that is currently pay like, your Neos insurance policy that's currently paid by your Netwealth account. What Caden and and the team here at Oakview, I I believe Madison Amy, sorry, was previously communicating. Yep. Was trying to get your your Neos policy transferred to your SMSF fund because you are moving over to that SMSF account. And with Netwealth closing, if you don't have the premiums paid somewhere, the Neos policy will cancel. So Amy was trying to help you get the Neos policy transferred over, which we have it basically all transferred over. There's just one step remaining, which I'll go through in a second. The other the other, as I guess, point is is that your Netwealth cash or the money that's in Netwealth, now that you have the SMSF set up and the bank account's there and it's a legitimate account with an SMSF and it would have all the details you've emailed through, it has an ESA, it has an ABN, it's it's it's a trusted. It does all the things that need to do. Exactly. The ATO says it's legitimate. What happens now is that Netwealth can be moved over to the SMSF. When we communicated with the accountant, Doolin, he did state that he would do it once the account was all set up, that he was sort of acting on that side. I am happy and we can do it. It is generally easier for the accountant to request it through SuperStream direct from the SMSF funds, though. It's just a smoother process. We can still send it from Netwealth across, but it's a little bit more clunky doing it that way. Yep. Few grand. Set it all up. Yep. Yep. Yep. Can I yeah? Do what's what's the deposit date? Oh, good. Okay. Yes. Yep. Yeah. We we gotta move fast. Okay. I will call Dylan Stewart. Yep. And see if I can get through to him. Not gonna lie. I've had a terrible track record this week getting in touch with accountants, but I will give him a call because it's a quicker. It's not just him. It's just I don't know. Sometimes it happens. I'll give him a call and see if I can get him on the phone because it's gonna be quicker and easier. He is not going to take what I say at face value. I will follow it up with an email. You will be cc'd in that email, and he will probably most definitely, if he's doing things properly, come to you for verbal or written authority confirmation. So I will get it started for you on that side, get him to do it. If he comes back and says that he wants me to trigger it, I will trigger it. It's just not as quick. It it's yeah. Perfect. I will do that for you now. I will reach out and do all the things. On the insurance side, because we're moving from your net wealth account over to an SMSF fund, it's it's two different structures withholding the policy. It sounds so silly, but an SMSF is considered a different structure to a APRA regulated fund because they technically are. Because the policy has to then be in invoiced and it just becomes different. What they do is they kinda cancel and replace the policy from a technical back end point of view, but the policy remains exactly the same as it was when the terms were accepted, if that makes sense. Correct. That's exactly what it is, but they just call it a cancel and replace, and it's a pain full application as you know because you had to go through it. And they they also accepted it. Your policy originally had a lumbar spine exclusion. That spine exclusion remains, and they just need confirmation that you're happy for the policy to go in place with that same spine exclusion. Yeah. Perfect. Cool. Alright. Well, I will send you this so you can electronically sign it, and I'll flick it over to Neos, and they'll they'll polish everything up the way they need to. And I'll reach out to Stewie today Stewie. Sorry. Other mate, Stewie. Cool. Fingers crossed by the end of the day, we'll be mates. I'll give him a call and see if I can't light a fire and get it moving. Perfect. Oh, just sometimes it ebbs and flows because I have to talk to accountants all the time. And sometimes, you know, I'll call and I'll answer and they're available. This week, every time I call, no one gets back to me and everyone's busy. It just it happens. Yeah. And the like the account's not busy enough. May as well pile on. I'm kidding. No. Perfect. Alright. Well, I'm gonna go jump and do that because I'm well aware that we're pushing 05:00, and, generally, they all start scurrying home. I don't remember the last time I left at 05:00, but that's okay. Let me get onto it and get it done, and you'll have an email from me shortly. You're welcome. My pleasure. You too. 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Larissa from Oakview Financial. How are you going? Yeah. Not bad.\n\nSorry. I just stepped out of a meeting and Kayden bailed me up and said that you emailed us for 03:30. So I'm obviously a little bit late, but as early as I could get you. Cool. I love.\n\nPerfect. I love it when it all comes to comes together. So I'm the head of financial advice, and I wanted to give you a call to kind of run through everything and and help you out. Now before we jump into it, I do need to let you know our calls are recorded. And if I could get you confirmed security for me, it's full name, date of birth, and address.\n\nPerfect. Okay. So I had to look over your file, and I've had to look through everything. We originally had a conversation with the accountant via email that set up your SMSF, and they stated that they would be requesting the funds from Netwealth to go to the SMSF. Are they no longer going to be assisting you with that transfer?\n\nOr Yeah. So, like, in your email chain, I guess, it sort of indicated that you wanted us to, which is fine. We can we can help you roll the money from Netwealth to your SMSF. But, originally, we had some months ago, we received an email from the the accounting firm. I looked at it a couple hours ago.\n\nI can't quite remember the accounting firm off the top of my head. Yes. Yeah. Yep. Yes.\n\nYep. Deposit. Okay. Cool. So there's there's two different things that are currently at play here.\n\nOne is you have an insurance policy that is currently pay like, your Neos insurance policy that's currently paid by your Netwealth account. What Caden and and the team here at Oakview, I I believe Madison Amy, sorry, was previously communicating. Yep. Was trying to get your your Neos policy transferred to your SMSF fund because you are moving over to that SMSF account. And with Netwealth closing, if you don't have the premiums paid somewhere, the Neos policy will cancel.\n\nSo Amy was trying to help you get the Neos policy transferred over, which we have it basically all transferred over. There's just one step remaining, which I'll go through in a second. The other the other, as I guess, point is is that your Netwealth cash or the money that's in Netwealth, now that you have the SMSF set up and the bank account's there and it's a legitimate account with an SMSF and it would have all the details you've emailed through, it has an ESA, it has an ABN, it's it's it's a trusted. It does all the things that need to do. Exactly.\n\nThe ATO says it's legitimate. What happens now is that Netwealth can be moved over to the SMSF. When we communicated with the accountant, Doolin, he did state that he would do it once the account was all set up, that he was sort of acting on that side. I am happy and we can do it. It is generally easier for the accountant to request it through SuperStream direct from the SMSF funds, though.\n\nIt's just a smoother process. We can still send it from Netwealth across, but it's a little bit more clunky doing it that way. Yep. Few grand. Set it all up.\n\nYep. Yep. Yep. Can I yeah? Do what's what's the deposit date?\n\nOh, good. Okay. Yes. Yep. Yeah.\n\nWe we gotta move fast. Okay. I will call Dylan Stewart. Yep. And see if I can get through to him.\n\nNot gonna lie. I've had a terrible track record this week getting in touch with accountants, but I will give him a call because it's a quicker. It's not just him. It's just I don't know. Sometimes it happens.\n\nI'll give him a call and see if I can get him on the phone because it's gonna be quicker and easier. He is not going to take what I say at face value. I will follow it up with an email. You will be cc'd in that email, and he will probably most definitely, if he's doing things properly, come to you for verbal or written authority confirmation. So I will get it started for you on that side, get him to do it.\n\nIf he comes back and says that he wants me to trigger it, I will trigger it. It's just not as quick. It it's yeah. Perfect. I will do that for you now.\n\nI will reach out and do all the things. On the insurance side, because we're moving from your net wealth account over to an SMSF fund, it's it's two different structures withholding the policy. It sounds so silly, but an SMSF is considered a different structure to a APRA regulated fund because they technically are. Because the policy has to then be in invoiced and it just becomes different. What they do is they kinda cancel and replace the policy from a technical back end point of view, but the policy remains exactly the same as it was when the terms were accepted, if that makes sense.\n\nCorrect. That's exactly what it is, but they just call it a cancel and replace, and it's a pain full application as you know because you had to go through it. And they they also accepted it. Your policy originally had a lumbar spine exclusion. That spine exclusion remains, and they just need confirmation that you're happy for the policy to go in place with that same spine exclusion.\n\nYeah. Perfect. Cool. Alright. Well, I will send you this so you can electronically sign it, and I'll flick it over to Neos, and they'll they'll polish everything up the way they need to.\n\nAnd I'll reach out to Stewie today Stewie. Sorry. Other mate, Stewie. Cool. Fingers crossed by the end of the day, we'll be mates.\n\nI'll give him a call and see if I can't light a fire and get it moving. Perfect. Oh, just sometimes it ebbs and flows because I have to talk to accountants all the time. And sometimes, you know, I'll call and I'll answer and they're available. This week, every time I call, no one gets back to me and everyone's busy.\n\nIt just it happens. Yeah. And the like the account's not busy enough. May as well pile on. I'm kidding.\n\nNo. Perfect. Alright. Well, I'm gonna go jump and do that because I'm well aware that we're pushing 05:00, and, generally, they all start scurrying home. I don't remember the last time I left at 05:00, but that's okay.\n\nLet me get onto it and get it done, and you'll have an email from me shortly. You're welcome. My pleasure. You too. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Lucas.","start":3.6799998,"end":4.56,"sentiment":"neutral","sentiment_score":0.1622169241309166},{"text":"Larissa from Oakview Financial.","start":4.56,"end":5.92,"sentiment":"neutral","sentiment_score":0.2419152967631817},{"text":"How are you going?","start":5.92,"end":6.74,"sentiment":"neutral","sentiment_score":0.2832980528473854},{"text":"Yeah.","start":8.96,"end":9.44,"sentiment":"neutral","sentiment_score":0.08687892556190491},{"text":"Not bad.","start":9.44,"end":10.26,"sentiment":"neutral","sentiment_score":0.09373665228486061}],"sentiment":"neutral","sentiment_score":0.2076645751412098,"num_words":13,"start":3.6799998,"end":10.26},{"sentences":[{"text":"Sorry.","start":10.88,"end":11.2,"sentiment":"neutral","sentiment_score":-0.01659340038895607},{"text":"I just stepped out of a meeting and Kayden bailed me up and said that you emailed us for 03:30.","start":11.2,"end":17.045,"sentiment":"neutral","sentiment_score":-0.06301723970100284},{"text":"So I'm obviously a little bit late, but as early as I could get you.","start":17.045,"end":19.785,"sentiment":"neutral","sentiment_score":-0.005221805473168691},{"text":"Cool.","start":20.325,"end":20.825,"sentiment":"positive","sentiment_score":0.5196484923362732},{"text":"I love.","start":22.085,"end":22.645,"sentiment":"positive","sentiment_score":0.6729618608951569}],"sentiment":"neutral","sentiment_score":0.013084793272308813,"num_words":39,"start":10.88,"end":22.645},{"sentences":[{"text":"Perfect.","start":22.645,"end":23.045,"sentiment":"positive","sentiment_score":0.7634195685386658},{"text":"I love it when it all comes to comes together.","start":23.045,"end":24.904999,"sentiment":"positive","sentiment_score":0.766747260093689},{"text":"So I'm the head of financial advice, and I wanted to give you a call to kind of run through everything and and help you out.","start":26.165,"end":33.27,"sentiment":"positive","sentiment_score":0.42895542543668014},{"text":"Now before we jump into it, I do need to let you know our calls are recorded.","start":34.37,"end":36.93,"sentiment":"neutral","sentiment_score":0.02706338300862733},{"text":"And if I could get you confirmed security for me, it's full name, date of birth, and address.","start":36.93,"end":40.71,"sentiment":"neutral","sentiment_score":0.05517656387140354}],"sentiment":"neutral","sentiment_score":0.29218040127307177,"num_words":72,"start":22.645,"end":40.71},{"sentences":[{"text":"Perfect.","start":49.745003,"end":50.245003,"sentiment":"neutral","sentiment_score":0.23574155569076535},{"text":"Okay.","start":51.665,"end":52.165,"sentiment":"neutral","sentiment_score":0.03566763550043106},{"text":"So I had to look over your file, and I've had to look through everything.","start":52.225002,"end":55.925003,"sentiment":"neutral","sentiment_score":-0.029526703680555027},{"text":"We originally had a conversation with the accountant via email that set up your SMSF, and they stated that they would be requesting the funds from Netwealth to go to the SMSF.","start":56.43,"end":68.93,"sentiment":"neutral","sentiment_score":-0.07561442034784704},{"text":"Are they no longer going to be assisting you with that transfer?","start":69.725,"end":73.34499,"sentiment":"neutral","sentiment_score":-0.1348285892357429}],"sentiment":"neutral","sentiment_score":-0.06900157190126474,"num_words":61,"start":49.745003,"end":73.34499},{"sentences":[{"text":"Or Yeah.","start":75.005,"end":82.204994,"sentiment":"neutral","sentiment_score":-0.07403181120753288},{"text":"So, like, in your email chain, I guess, it sort of indicated that you wanted us to, which is fine.","start":82.204994,"end":89.24,"sentiment":"neutral","sentiment_score":-0.04320580810308457},{"text":"We can we can help you roll the money from Netwealth to your SMSF.","start":89.24,"end":92.7,"sentiment":"neutral","sentiment_score":0.027314373391813467},{"text":"But, originally, we had some months ago, we received an email from the the accounting firm.","start":93.24,"end":99.465,"sentiment":"neutral","sentiment_score":-0.058987329015508294},{"text":"I looked at it a couple hours ago.","start":100.565,"end":101.845,"sentiment":"neutral","sentiment_score":-0.043070636224001646}],"sentiment":"neutral","sentiment_score":-0.03196901518385857,"num_words":60,"start":75.005,"end":101.845},{"sentences":[{"text":"I can't quite remember the accounting firm off the top of my 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there's there's two different things that are currently at play here.","start":137.04,"end":140.73999,"sentiment":"neutral","sentiment_score":-0.042410573844487466}],"sentiment":"neutral","sentiment_score":-0.010322450834792107,"num_words":16,"start":120.74,"end":140.73999},{"sentences":[{"text":"One is you have an insurance policy that is currently pay like, your Neos insurance policy that's currently paid by your Netwealth account.","start":140.87999,"end":147.12,"sentiment":"neutral","sentiment_score":-0.05461760861394198},{"text":"What Caden and and the team here at Oakview, I I believe Madison Amy, sorry, was previously communicating.","start":147.12,"end":154.83499,"sentiment":"neutral","sentiment_score":-0.07220929322971238},{"text":"Yep.","start":155.215,"end":155.715,"sentiment":"neutral","sentiment_score":-0.05381321161985397},{"text":"Was trying to get your your Neos policy transferred to your SMSF fund because you are moving over to that SMSF account.","start":155.935,"end":164.47,"sentiment":"neutral","sentiment_score":-0.18361769752068954},{"text":"And with Netwealth closing, if you don't have the premiums paid somewhere, the Neos policy will cancel.","start":164.47,"end":170.09,"sentiment":"negative","sentiment_score":-0.38099053589736714}],"sentiment":"neutral","sentiment_score":-0.16205202399488586,"num_words":81,"start":140.87999,"end":170.09},{"sentences":[{"text":"So Amy was trying to help you get the Neos policy transferred over, which we have it basically all transferred over.","start":170.70999,"end":177.195,"sentiment":"neutral","sentiment_score":-0.008364425351222357},{"text":"There's just one step remaining, which I'll go through in a second.","start":177.195,"end":180.015,"sentiment":"neutral","sentiment_score":-0.016564385150559247},{"text":"The other the other, as I guess, point is is that your Netwealth cash or the money that's in Netwealth, now that you have the SMSF set up and the bank account's there and it's a legitimate account with an SMSF and it would have all the details you've emailed through, it has an ESA, it has an ABN, it's it's it's a trusted.","start":180.63501,"end":199.63,"sentiment":"neutral","sentiment_score":0.0536831445642747},{"text":"It does all the things that need to do.","start":199.63,"end":201.17001,"sentiment":"neutral","sentiment_score":0.05763597827818659},{"text":"Exactly.","start":201.445,"end":201.80501,"sentiment":"neutral","sentiment_score":0.1625196784734726}],"sentiment":"neutral","sentiment_score":0.034977001690732264,"num_words":107,"start":170.70999,"end":201.80501},{"sentences":[{"text":"The ATO says it's legitimate.","start":201.80501,"end":203.38501,"sentiment":"neutral","sentiment_score":0.057298998534679416},{"text":"What happens now is that Netwealth can be moved over to the SMSF.","start":204.085,"end":207.705,"sentiment":"neutral","sentiment_score":-0.04642605301565849},{"text":"When we communicated with the accountant, Doolin, he did state that he would do it once the account was all set up, that he was sort of acting on that side.","start":209.125,"end":219.48,"sentiment":"neutral","sentiment_score":0.01239886567477257},{"text":"I am happy and we can do it.","start":219.94,"end":222.12,"sentiment":"positive","sentiment_score":0.6578527335077524},{"text":"It is generally easier for the accountant to request it through SuperStream direct from the SMSF funds, though.","start":222.34,"end":228.195,"sentiment":"positive","sentiment_score":0.44138002892335254}],"sentiment":"neutral","sentiment_score":0.1769997803742687,"num_words":75,"start":201.80501,"end":228.195},{"sentences":[{"text":"It's just a smoother process.","start":228.35501,"end":229.895,"sentiment":"positive","sentiment_score":0.41690611839294434},{"text":"We can still send it from Netwealth across, but it's a little bit more clunky doing it that way.","start":230.43501,"end":237.815,"sentiment":"neutral","sentiment_score":-0.07449998559528276},{"text":"Yep.","start":260.915,"end":261.315,"sentiment":"neutral","sentiment_score":-0.011646740138530731},{"text":"Few grand.","start":261.315,"end":262.055,"sentiment":"neutral","sentiment_score":-0.017227232456207275},{"text":"Set it all up.","start":262.755,"end":263.79498,"sentiment":"neutral","sentiment_score":-0.007161498535424471}],"sentiment":"neutral","sentiment_score":0.019170440853603424,"num_words":31,"start":228.35501,"end":263.79498},{"sentences":[{"text":"Yep.","start":263.79498,"end":264.29498,"sentiment":"neutral","sentiment_score":0.013546597212553024},{"text":"Yep.","start":273.65,"end":274.15,"sentiment":"neutral","sentiment_score":0.009278308600187302},{"text":"Yep.","start":277.745,"end":278.245,"sentiment":"neutral","sentiment_score":0.04230549558997154},{"text":"Can I yeah?","start":284.06497,"end":286.805,"sentiment":"neutral","sentiment_score":-0.007314621781309445},{"text":"Do what's what's the deposit date?","start":286.94498,"end":290.00497,"sentiment":"neutral","sentiment_score":-0.009601971910645565}],"sentiment":"neutral","sentiment_score":-0.0012021079504241545,"num_words":12,"start":263.79498,"end":290.00497},{"sentences":[{"text":"Oh, good.","start":292.77002,"end":293.51,"sentiment":"neutral","sentiment_score":0.03169921971857548},{"text":"Okay.","start":293.81,"end":294.31,"sentiment":"neutral","sentiment_score":-0.02424704842269421},{"text":"Yes.","start":298.37,"end":298.87,"sentiment":"neutral","sentiment_score":-0.17583850026130676},{"text":"Yep.","start":308.145,"end":308.305,"sentiment":"neutral","sentiment_score":-0.022609038278460503},{"text":"Yeah.","start":308.305,"end":308.625,"sentiment":"neutral","sentiment_score":-0.03405553475022316}],"sentiment":"neutral","sentiment_score":-0.032225280379255615,"num_words":6,"start":292.77002,"end":308.625},{"sentences":[{"text":"We we gotta move fast.","start":308.625,"end":310.085,"sentiment":"neutral","sentiment_score":-0.06500795856118202},{"text":"Okay.","start":310.22498,"end":310.72498,"sentiment":"neutral","sentiment_score":0.016212984919548035},{"text":"I will call Dylan Stewart.","start":311.425,"end":315.52,"sentiment":"neutral","sentiment_score":0.04713174104690552},{"text":"Yep.","start":315.52,"end":316.02,"sentiment":"neutral","sentiment_score":0.07321225851774216},{"text":"And see if I can get through to him.","start":317.76,"end":319.36002,"sentiment":"neutral","sentiment_score":0.05095415314038595}],"sentiment":"neutral","sentiment_score":0.021839596863303865,"num_words":21,"start":308.625,"end":319.36002},{"sentences":[{"text":"Not gonna lie.","start":319.36002,"end":320.08002,"sentiment":"neutral","sentiment_score":-0.03821955993771553},{"text":"I've had a terrible track record this week getting in touch with accountants, but I will give him a call because it's a quicker.","start":320.08002,"end":327.46,"sentiment":"neutral","sentiment_score":-0.1146285799331963},{"text":"It's not just him.","start":327.685,"end":328.165,"sentiment":"neutral","sentiment_score":-0.07797242142260075},{"text":"It's just I don't know.","start":328.165,"end":329.205,"sentiment":"neutral","sentiment_score":-0.1039865955710411},{"text":"Sometimes it happens.","start":329.205,"end":330.185,"sentiment":"neutral","sentiment_score":-0.08375067139665286}],"sentiment":"neutral","sentiment_score":-0.10125177630629295,"num_words":39,"start":319.36002,"end":330.185},{"sentences":[{"text":"I'll give him a call and see if I can get him on the phone because it's gonna be quicker and easier.","start":330.645,"end":334.185,"sentiment":"neutral","sentiment_score":0.1158624580976638},{"text":"He is not going to take what I say at face value.","start":334.32498,"end":338.505,"sentiment":"neutral","sentiment_score":-0.11938848967353503},{"text":"I will follow it up with an email.","start":338.645,"end":339.925,"sentiment":"neutral","sentiment_score":0.07606800040230155},{"text":"You will be cc'd in that email, and he will probably most definitely, if he's doing things properly, come to you for verbal or written authority confirmation.","start":339.925,"end":350.97,"sentiment":"neutral","sentiment_score":0.18868014050854576},{"text":"So I will get it started for you on that side, get him to do it.","start":352.71,"end":356.385,"sentiment":"positive","sentiment_score":0.4644963648170233}],"sentiment":"neutral","sentiment_score":0.16766072748338476,"num_words":85,"start":330.645,"end":356.385},{"sentences":[{"text":"If he comes back and says that he wants me to trigger it, I will trigger it.","start":356.465,"end":360.885,"sentiment":"neutral","sentiment_score":0.13082400840871475},{"text":"It's just not as quick.","start":361.345,"end":363.36502,"sentiment":"neutral","sentiment_score":0.02296338602900505},{"text":"It it's yeah.","start":364.625,"end":371.22998,"sentiment":"neutral","sentiment_score":0.22815910975138345},{"text":"Perfect.","start":372.88998,"end":373.38998,"sentiment":"positive","sentiment_score":0.6701847314834595},{"text":"I will do that for you now.","start":373.77,"end":375.77,"sentiment":"positive","sentiment_score":0.5411429575511387}],"sentiment":"neutral","sentiment_score":0.22671175262693202,"num_words":33,"start":356.465,"end":375.77},{"sentences":[{"text":"I will reach out and do all the things.","start":375.77,"end":377.63,"sentiment":"neutral","sentiment_score":0.289978199534946},{"text":"On the insurance side, because we're moving from your net wealth account over to an SMSF fund, it's it's two different structures withholding the policy.","start":380.65,"end":395.94498,"sentiment":"neutral","sentiment_score":-0.02096255149692297},{"text":"It sounds so silly, but an SMSF is considered a different structure to a APRA regulated fund because they technically are.","start":395.94498,"end":403.79,"sentiment":"neutral","sentiment_score":-0.0988823434426671},{"text":"Because the policy has to then be in invoiced and it just becomes 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give him a call and see if I can't light a fire and get it moving.","start":475.305,"end":478.525,"sentiment":"positive","sentiment_score":0.40715647006736083},{"text":"Perfect.","start":487.16,"end":487.66,"sentiment":"positive","sentiment_score":0.34330546855926514},{"text":"Oh, just sometimes it ebbs and flows because I have to talk to accountants all the time.","start":487.80002,"end":491.48,"sentiment":"neutral","sentiment_score":0.009105728993959287},{"text":"And sometimes, you know, I'll call and I'll answer and they're available.","start":491.48,"end":494.54,"sentiment":"neutral","sentiment_score":0.001905394038961579},{"text":"This week, every time I call, no one gets back to me and everyone's busy.","start":494.79498,"end":498.175,"sentiment":"neutral","sentiment_score":-0.14677314857641857}],"sentiment":"neutral","sentiment_score":0.08453274761972528,"num_words":62,"start":475.305,"end":498.175},{"sentences":[{"text":"It just it 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Good. Thank you. Yourself, Marissa? Yep. Yeah. Lucas Ross. 31st Of The 10th 72. 26th Of Meridian Way, Mornington. Yep. Yep. No. So what what happens why is the question a bit? It's because I've asked. Yeah. That's alright. It's it's Stuart Doolin. But so I I he's he was trying to get the Superfund account open, but couldn't get the account open. Well, actually, I was doing that. He couldn't couldn't get the account open until we got an ABN. That's all been sorted now. So I just am not sure. I thought there were pay there was paperwork that I needed to fill out or what happened? Because I've got this bank account sitting there waiting. I need it rolled over so I can transfer money for a deposit for a purchase. Yep. I need one. Gotcha. Yep. Legit. Yep. Yep. Okay. Are you are you able to email him and pretty much tell him that he can go ahead and do whatever he has to do? Because as far as I was aware, he'd done everything he needed to do. So I I he goes off. He was asking me when it was gonna be transferred. So I've paid him a certain amount of money to do do his job. Yeah. And I was not under the impression that I needed to do anything else, but I've been trying to liaise with everybody to make things work. But but however it can happen the quickest would be the best because I'm about to have to pay I think it's about $40 out of my pocket and then pay it back to myself from the last week. So I'm getting some nasty phone calls, but the the guy's pretty crazy. When I say nasty, he said, look. I'm I'm keeping the owner at bay, but something's gonna happen. So yeah. Yep. Great. Great. Yep. No worries. Okay. Well, once what whatever happens, the quicker we can do it as you are aware, the better it would be for me. Yep. Yep. Yeah. So it's basically a name change. Yep. Yep. Yeah. That should be fine. Like, my my back's been fantastic. So but I'm not that's fine. Yep. No worries. That's fine. It's just fine. I I I go like Stewie too. That's yeah. That's fantastic. You will as soon as you ring live and even even with your email, he'll respond to this. He's been pretty good with me lately. Yeah. I think I think something's going on with super graduation fund money and how it has to be dealt with. And I think all the the tax you know, the ATO wants updates or amounts paid at a more frequent time. So it's just giving everybody bookkeepers and and the like a little bit more work. Yes. Yeah. No. Thank you so very much. Have a lovely day. Alright. 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Good. Thank you. Yourself, Marissa? Yep.\n\nYeah. Lucas Ross. 31st Of The 10th 72. 26th Of Meridian Way, Mornington. Yep.\n\nYep. No. So what what happens why is the question a bit? It's because I've asked. Yeah.\n\nThat's alright. It's it's Stuart Doolin. But so I I he's he was trying to get the Superfund account open, but couldn't get the account open. Well, actually, I was doing that. He couldn't couldn't get the account open until we got an ABN.\n\nThat's all been sorted now. So I just am not sure. I thought there were pay there was paperwork that I needed to fill out or what happened? Because I've got this bank account sitting there waiting. I need it rolled over so I can transfer money for a deposit for a purchase.\n\nYep. I need one. Gotcha. Yep. Legit.\n\nYep. Yep. Okay. Are you are you able to email him and pretty much tell him that he can go ahead and do whatever he has to do? Because as far as I was aware, he'd done everything he needed to do.\n\nSo I I he goes off. He was asking me when it was gonna be transferred. So I've paid him a certain amount of money to do do his job. Yeah. And I was not under the impression that I needed to do anything else, but I've been trying to liaise with everybody to make things work.\n\nBut but however it can happen the quickest would be the best because I'm about to have to pay I think it's about $40 out of my pocket and then pay it back to myself from the last week. So I'm getting some nasty phone calls, but the the guy's pretty crazy. When I say nasty, he said, look. I'm I'm keeping the owner at bay, but something's gonna happen. So yeah.\n\nYep. Great. Great. Yep. No worries.\n\nOkay. Well, once what whatever happens, the quicker we can do it as you are aware, the better it would be for me. Yep. Yep. Yeah.\n\nSo it's basically a name change. Yep. Yep. Yeah. That should be fine.\n\nLike, my my back's been fantastic. So but I'm not that's fine. Yep. No worries. That's fine.\n\nIt's just fine. I I I go like Stewie too. That's yeah. That's fantastic. You will as soon as you ring live and even even with your email, he'll respond to this.\n\nHe's been pretty good with me lately. Yeah. I think I think something's going on with super graduation fund money and how it has to be dealt with. And I think all the the tax you know, the ATO wants updates or amounts paid at a more frequent time. So it's just giving everybody bookkeepers and and the like a little bit more work.\n\nYes. Yeah. No. Thank you so very much. Have a lovely day.\n\nAlright. Bye now.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.76,"end":2.26,"sentiment":"neutral","sentiment_score":0.033900387585163116},{"text":"Good.","start":6.96,"end":7.2799997,"sentiment":"positive","sentiment_score":0.6051609516143799},{"text":"Thank you.","start":7.2799997,"end":7.7599998,"sentiment":"positive","sentiment_score":0.6034126281738281},{"text":"Yourself, Marissa?","start":7.7599998,"end":8.66,"sentiment":"neutral","sentiment_score":0.21058878302574158},{"text":"Yep.","start":14.835,"end":15.335,"sentiment":"neutral","sentiment_score":-0.01320089679211378}],"sentiment":"neutral","sentiment_score":0.32198046640093836,"num_words":7,"start":1.76,"end":15.335},{"sentences":[{"text":"Yeah.","start":33.71,"end":34.21,"sentiment":"neutral","sentiment_score":0.07822864502668381},{"text":"Lucas Ross.","start":41.804996,"end":42.945,"sentiment":"neutral","sentiment_score":0.011757630854845047},{"text":"31st Of The 10th 72.","start":43.885,"end":45.905,"sentiment":"neutral","sentiment_score":0.011067508533596993},{"text":"26th Of Meridian Way, Mornington.","start":46.364998,"end":48.225,"sentiment":"neutral","sentiment_score":0.01756386924535036},{"text":"Yep.","start":62.01,"end":62.51,"sentiment":"neutral","sentiment_score":-0.035155780613422394}],"sentiment":"neutral","sentiment_score":0.014981786786977733,"num_words":14,"start":33.71,"end":62.51},{"sentences":[{"text":"Yep.","start":64.25,"end":64.75,"sentiment":"neutral","sentiment_score":-0.07227899134159088},{"text":"No.","start":74.625,"end":75.125,"sentiment":"neutral","sentiment_score":-0.12738585472106934},{"text":"So what what happens why is the question a bit?","start":75.745,"end":79.265,"sentiment":"neutral","sentiment_score":-0.12842343673110007},{"text":"It's because I've asked.","start":79.265,"end":80.565,"sentiment":"neutral","sentiment_score":-0.08026209659874439},{"text":"Yeah.","start":102.685,"end":103.085,"sentiment":"neutral","sentiment_score":-0.02303295396268368}],"sentiment":"neutral","sentiment_score":-0.10752826786654837,"num_words":17,"start":64.25,"end":103.085},{"sentences":[{"text":"That's alright.","start":103.085,"end":103.645,"sentiment":"neutral","sentiment_score":-0.05501290783286095},{"text":"It's it's Stuart Doolin.","start":103.645,"end":104.845,"sentiment":"neutral","sentiment_score":-0.022689363919198513},{"text":"But so I I he's he was trying to get the Superfund account open, but couldn't get the account open.","start":104.845,"end":113.69,"sentiment":"neutral","sentiment_score":-0.09370440021157264},{"text":"Well, actually, I was doing that.","start":113.69,"end":115.23,"sentiment":"neutral","sentiment_score":-0.021825925757487614},{"text":"He couldn't couldn't get the account open until we got an ABN.","start":115.29,"end":118.43,"sentiment":"neutral","sentiment_score":-0.17222175188362598}],"sentiment":"neutral","sentiment_score":-0.09710199665278196,"num_words":44,"start":103.085,"end":118.43},{"sentences":[{"text":"That's all been sorted now.","start":118.73,"end":120.25,"sentiment":"neutral","sentiment_score":0.10721994265913963},{"text":"So I just am not sure.","start":120.25,"end":123.29,"sentiment":"neutral","sentiment_score":-0.1955463532358408},{"text":"I thought there were pay there was paperwork that I needed to fill out or what happened?","start":123.29,"end":127.075,"sentiment":"neutral","sentiment_score":-0.3271392426070045},{"text":"Because I've got this bank account sitting there waiting.","start":127.075,"end":129.815,"sentiment":"neutral","sentiment_score":-0.31729331943723893},{"text":"I need it rolled over so I can transfer money for a deposit for a purchase.","start":130.275,"end":135.655,"sentiment":"neutral","sentiment_score":-0.15110064495820552}],"sentiment":"neutral","sentiment_score":-0.21644897593782758,"num_words":53,"start":118.73,"end":135.655},{"sentences":[{"text":"Yep.","start":141.06999,"end":141.56999,"sentiment":"neutral","sentiment_score":-0.016197022050619125},{"text":"I need one.","start":153.94499,"end":154.845,"sentiment":"neutral","sentiment_score":-0.0942753441631794},{"text":"Gotcha.","start":170.58,"end":171.08,"sentiment":"neutral","sentiment_score":-0.1550849974155426},{"text":"Yep.","start":194.67499,"end":195.17499,"sentiment":"neutral","sentiment_score":0.10440808534622192},{"text":"Legit.","start":199.96999,"end":200.46999,"sentiment":"neutral","sentiment_score":0.14068780839443207}],"sentiment":"neutral","sentiment_score":-0.02985887974500656,"num_words":7,"start":141.06999,"end":200.46999},{"sentences":[{"text":"Yep.","start":209.155,"end":209.655,"sentiment":"neutral","sentiment_score":-0.06822531670331955},{"text":"Yep.","start":219.39499,"end":219.89499,"sentiment":"neutral","sentiment_score":0.12276321649551392},{"text":"Okay.","start":220.03499,"end":220.53499,"sentiment":"neutral","sentiment_score":0.3296366333961487},{"text":"Are you are you able to email him and pretty much tell him that he can go ahead and do whatever he has to do?","start":236.865,"end":245.505,"sentiment":"neutral","sentiment_score":0.10702859461307526},{"text":"Because as far as I was aware, he'd done everything he needed to do.","start":245.505,"end":251.53,"sentiment":"neutral","sentiment_score":-0.09747473230319363}],"sentiment":"neutral","sentiment_score":0.040362932054059844,"num_words":42,"start":209.155,"end":251.53},{"sentences":[{"text":"So I I he goes off.","start":251.53,"end":254.17,"sentiment":"neutral","sentiment_score":-0.11580931891997655},{"text":"He was asking me when it was gonna be transferred.","start":254.17,"end":257.21,"sentiment":"neutral","sentiment_score":-0.08069956526160241},{"text":"So I've paid him a certain amount of money to do do his job.","start":257.21,"end":263.495,"sentiment":"neutral","sentiment_score":-0.036528234370052814},{"text":"Yeah.","start":264.035,"end":264.515,"sentiment":"neutral","sentiment_score":0.002809932455420494},{"text":"And I was not under the impression that I needed to do anything else, but I've been trying to liaise with everybody to make things work.","start":264.515,"end":273.095,"sentiment":"neutral","sentiment_score":-0.10278107584095918}],"sentiment":"neutral","sentiment_score":-0.0821534190653709,"num_words":57,"start":251.53,"end":273.095},{"sentences":[{"text":"But but however it can happen the quickest would be the best because I'm about to have to pay I think it's about $40 out of my pocket and then pay it back to myself from the last week.","start":273.875,"end":291.965,"sentiment":"neutral","sentiment_score":0.011269985686223477},{"text":"So I'm getting some nasty phone calls, but the the guy's pretty crazy.","start":294.825,"end":301.64,"sentiment":"neutral","sentiment_score":-0.266219882437816},{"text":"When I say nasty, he said, look.","start":301.78,"end":304.02002,"sentiment":"neutral","sentiment_score":-0.22882919652121408},{"text":"I'm I'm keeping the owner at bay, but something's gonna happen.","start":304.02002,"end":307.88,"sentiment":"neutral","sentiment_score":-0.2356333014639941},{"text":"So yeah.","start":308.26,"end":310.84003,"sentiment":"neutral","sentiment_score":-0.0012167319655418396}],"sentiment":"neutral","sentiment_score":-0.10024351646683903,"num_words":72,"start":273.875,"end":310.84003},{"sentences":[{"text":"Yep.","start":340.105,"end":340.605,"sentiment":"neutral","sentiment_score":0.1828722357749939},{"text":"Great.","start":355.99,"end":356.49,"sentiment":"positive","sentiment_score":0.5811182260513306},{"text":"Great.","start":356.78998,"end":357.28998,"sentiment":"neutral","sentiment_score":0.16977182030677795},{"text":"Yep.","start":361.19,"end":361.43,"sentiment":"neutral","sentiment_score":0.11383315920829772},{"text":"No worries.","start":361.43,"end":362.16998,"sentiment":"neutral","sentiment_score":0.056101614609360695}],"sentiment":"neutral","sentiment_score":0.1932997784266869,"num_words":6,"start":340.105,"end":362.16998},{"sentences":[{"text":"Okay.","start":364.15,"end":364.65,"sentiment":"neutral","sentiment_score":0.12990333139896393},{"text":"Well, once what whatever happens, the quicker we can do it as you are aware, the better it would be for me.","start":364.78998,"end":372.185,"sentiment":"neutral","sentiment_score":0.28749082508412277},{"text":"Yep.","start":402.725,"end":403.225,"sentiment":"neutral","sentiment_score":-0.03995514661073685},{"text":"Yep.","start":413.07,"end":413.57,"sentiment":"neutral","sentiment_score":-0.05225556716322899},{"text":"Yeah.","start":420.51,"end":420.83002,"sentiment":"neutral","sentiment_score":-0.015253357589244844}],"sentiment":"neutral","sentiment_score":0.24412451584178668,"num_words":26,"start":364.15,"end":420.83002},{"sentences":[{"text":"So it's basically a name change.","start":420.83002,"end":422.53,"sentiment":"neutral","sentiment_score":-0.03146288699160019},{"text":"Yep.","start":429.355,"end":429.855,"sentiment":"neutral","sentiment_score":0.0368356928229332},{"text":"Yep.","start":436.635,"end":437.135,"sentiment":"neutral","sentiment_score":0.03884277492761612},{"text":"Yeah.","start":444.62003,"end":444.86002,"sentiment":"neutral","sentiment_score":0.006577339023351669},{"text":"That should be fine.","start":444.86002,"end":445.66,"sentiment":"positive","sentiment_score":0.4888789430260658}],"sentiment":"neutral","sentiment_score":0.1422303274560433,"num_words":13,"start":420.83002,"end":445.66},{"sentences":[{"text":"Like, my my back's been fantastic.","start":445.66,"end":448.16,"sentiment":"positive","sentiment_score":0.6572676996390024},{"text":"So but I'm not that's fine.","start":448.30002,"end":452.16,"sentiment":"neutral","sentiment_score":0.1278710439801216},{"text":"Yep.","start":462.305,"end":462.805,"sentiment":"neutral","sentiment_score":0.15342633426189425},{"text":"No worries.","start":464.705,"end":465.445,"sentiment":"neutral","sentiment_score":0.04600942321121693},{"text":"That's fine.","start":465.505,"end":466.145,"sentiment":"neutral","sentiment_score":0.10127944871783257}],"sentiment":"neutral","sentiment_score":0.3034609729314552,"num_words":17,"start":445.66,"end":466.145},{"sentences":[{"text":"It's just fine.","start":466.145,"end":467.04498,"sentiment":"neutral","sentiment_score":0.15375938018163046},{"text":"I I I go like Stewie too.","start":467.10498,"end":469.125,"sentiment":"neutral","sentiment_score":0.2478267742054803},{"text":"That's yeah.","start":470.97,"end":473.37,"sentiment":"positive","sentiment_score":0.35551154613494873},{"text":"That's fantastic.","start":473.37,"end":476.83,"sentiment":"positive","sentiment_score":0.5775596499443054},{"text":"You will as soon as you ring live and even even with your email, he'll respond to this.","start":478.89,"end":483.87,"sentiment":"neutral","sentiment_score":0.3066104195184178}],"sentiment":"neutral","sentiment_score":0.29941235948354006,"num_words":32,"start":466.145,"end":483.87},{"sentences":[{"text":"He's been pretty good with me lately.","start":484.41,"end":486.015,"sentiment":"positive","sentiment_score":0.6082877601896014},{"text":"Yeah.","start":490.255,"end":490.755,"sentiment":"neutral","sentiment_score":-0.007721215486526489},{"text":"I think I think something's going on with super graduation fund money and how it has to be dealt with.","start":500.19,"end":507.71,"sentiment":"neutral","sentiment_score":-0.11958592645823955},{"text":"And I think all the the tax you know, the ATO wants updates or amounts paid at a more frequent time.","start":507.71,"end":518.325,"sentiment":"neutral","sentiment_score":-0.07096000068954059},{"text":"So it's just giving everybody bookkeepers and and the like a little bit more work.","start":518.865,"end":524.245,"sentiment":"neutral","sentiment_score":-0.08350094134608904}],"sentiment":"neutral","sentiment_score":-0.013814055593684316,"num_words":64,"start":484.41,"end":524.245},{"sentences":[{"text":"Yes.","start":538.74,"end":539.14,"sentiment":"neutral","sentiment_score":-0.03131042420864105},{"text":"Yeah.","start":539.14,"end":539.64,"sentiment":"neutral","sentiment_score":-0.0459914393723011},{"text":"No.","start":542.175,"end":542.675,"sentiment":"neutral","sentiment_score":-0.04749555513262749},{"text":"Thank you so very much.","start":544.975,"end":546.59503,"sentiment":"positive","sentiment_score":0.8620166778564453},{"text":"Have a lovely day.","start":548.495,"end":549.715,"sentiment":"positive","sentiment_score":0.7356578707695007}],"sentiment":"positive","sentiment_score":0.5939931211372217,"num_words":12,"start":538.74,"end":549.715},{"sentences":[{"text":"Alright.","start":551.215,"end":551.715,"sentiment":"neutral","sentiment_score":0.14906993508338928},{"text":"Bye now.","start":551.855,"end":552.515,"sentiment":"neutral","sentiment_score":0.024893473833799362}],"sentiment":"neutral","sentiment_score":0.06628562758366267,"num_words":3,"start":551.215,"end":552.515}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Lucas. Larissa from Oakview Financial. How are you going?\n\nChannel 1: Good. Thank you. Yourself, Marissa?\n\nChannel 0: Yeah. Not bad. Sorry. I just stepped out of a meeting and Kayden bailed me up and said that\n\nChannel 1: Yep.\n\nChannel 0: you emailed us for 03:30. So I'm obviously a little bit late, but as early as I could get you. Cool. I love. Perfect.\n\nI love it when it all comes to comes together. So I'm the head of financial advice, and I wanted to give you a call to kind of run through everything and and help you out.\n\nChannel 1: Yeah.\n\nChannel 0: Now before we jump into it, I do need to let you know our calls are recorded. And if I could get you confirmed security for me, it's full name, date of birth, and address.\n\nChannel 1: Lucas Ross. 31st Of The 10th 72. 26th Of Meridian Way, Mornington.\n\nChannel 0: Perfect. Okay. So I had to look over your file, and I've had to look through everything. We originally had a conversation with the accountant via email that set\n\nChannel 1: Yep.\n\nChannel 0: up your SMSF, and they\n\nChannel 1: Yep.\n\nChannel 0: stated that they would be requesting the funds from Netwealth to go to the SMSF. Are they no longer going to be assisting you with that transfer?\n\nChannel 1: No.\n\nChannel 0: Or\n\nChannel 1: So what what happens why is the question a bit? It's because I've asked.\n\nChannel 0: Yeah. So, like, in your email chain, I guess, it sort of indicated that you wanted us to, which is fine. We can we can help you roll the money from Netwealth to your SMSF. But, originally, we had some months ago, we received an email from the the accounting firm. I looked at it a couple hours ago.\n\nI can't quite remember the\n\nChannel 1: Yeah.\n\nChannel 0: accounting firm\n\nChannel 1: That's\n\nChannel 0: off\n\nChannel 1: alright.\n\nChannel 0: the top of my\n\nChannel 1: It's\n\nChannel 0: head.\n\nChannel 1: it's Stuart Doolin. But so I\n\nChannel 0: Yes.\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: he's he was trying to get the Superfund account open, but couldn't get the account open. Well, actually, I was doing that. He couldn't couldn't get the account open until we got an ABN. That's\n\nChannel 0: Yep.\n\nChannel 1: all\n\nChannel 0: Yes.\n\nChannel 1: been sorted now. So\n\nChannel 0: Yep.\n\nChannel 1: I just am not sure. I thought there were pay there was paperwork that I needed to fill out or what happened? Because I've got this bank account sitting there waiting. I need it rolled over so I can transfer money for a deposit for\n\nChannel 0: Deposit.\n\nChannel 1: a purchase.\n\nChannel 0: Okay. Cool. So there's there's two different things that are currently at play here. One\n\nChannel 1: Yep.\n\nChannel 0: is you have an insurance policy that is currently pay like, your Neos insurance policy that's currently paid by your Netwealth account. What Caden and and the team here at Oakview, I I believe Madison Amy, sorry, was previously\n\nChannel 1: I need\n\nChannel 0: communicating.\n\nChannel 1: one.\n\nChannel 0: Yep. Was trying to get your your Neos policy transferred to your SMSF fund because you are moving over to that SMSF account. And with Netwealth closing, if you don't have the premiums paid somewhere, the Neos policy will cancel.\n\nChannel 1: Gotcha.\n\nChannel 0: So Amy was trying to help you get the Neos policy transferred over, which we have it basically all transferred over. There's just one step remaining, which I'll go through in a second. The other the other, as I guess, point is is that your Netwealth cash or the money that's in Netwealth, now that you have the SMSF set up and the bank account's there and it's a legitimate account with an SMSF and it would have\n\nChannel 1: Yep.\n\nChannel 0: all the details you've emailed through, it has an ESA, it has an ABN, it's it's it's a trusted. It does all\n\nChannel 1: Legit.\n\nChannel 0: the things that need to do. Exactly. The ATO says it's legitimate. What happens now is that Netwealth can be moved over to the SMSF. When\n\nChannel 1: Yep.\n\nChannel 0: we communicated with the accountant, Doolin, he did state that he would do it once the account was all set up, that he was sort of acting on that side.\n\nChannel 1: Yep.\n\nChannel 0: I\n\nChannel 1: Okay.\n\nChannel 0: am happy and we can do it. It is generally easier for the accountant to request it through SuperStream direct from the SMSF funds, though. It's just a smoother process. We can still send it from Netwealth across, but it's a little bit more clunky doing it\n\nChannel 1: Are\n\nChannel 0: that\n\nChannel 1: you\n\nChannel 0: way.\n\nChannel 1: are you able to email him and pretty much tell him that he can go ahead and do whatever he has to do? Because as far as I was aware, he'd done everything he needed to do. So I I he goes off. He was asking me when it was gonna be transferred. So I've paid him a certain amount of money to do\n\nChannel 0: Yep. Few grand.\n\nChannel 1: do his\n\nChannel 0: Set it\n\nChannel 1: job.\n\nChannel 0: all up. Yep.\n\nChannel 1: Yeah. And I was not under the impression that I needed to do anything else, but I've been trying to liaise with everybody to make things work.\n\nChannel 0: Yep.\n\nChannel 1: But but however it can happen the quickest\n\nChannel 0: Yep.\n\nChannel 1: would be the best because I'm about to have to pay I think it's about $40 out of my pocket and then pay\n\nChannel 0: Can\n\nChannel 1: it\n\nChannel 0: I\n\nChannel 1: back to myself from the\n\nChannel 0: yeah? Do what's what's the deposit date?\n\nChannel 1: last week.\n\nChannel 0: Oh, good. Okay.\n\nChannel 1: So I'm getting some nasty phone calls, but\n\nChannel 0: Yes.\n\nChannel 1: the the guy's pretty crazy. When I say nasty, he said, look. I'm I'm keeping the owner at bay, but something's gonna happen.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Yeah. We we gotta move fast. Okay.\n\nChannel 1: yeah.\n\nChannel 0: I will call Dylan Stewart. Yep. And see if I can get through to him. Not gonna lie. I've had a terrible track record this week getting in touch with accountants, but I will give him a call because it's a quicker.\n\nIt's not just him. It's just I don't know. Sometimes it happens. I'll give him a call and see if I can get him on the phone because it's gonna be quicker and easier. He is not going to take what I say at face value.\n\nI will follow it up with an email. You will\n\nChannel 1: Yep.\n\nChannel 0: be cc'd in that email, and he will probably most definitely, if he's doing things properly, come to you for verbal or written authority confirmation. So I will get it started for you on that side, get him to\n\nChannel 1: Great.\n\nChannel 0: do it. If he comes\n\nChannel 1: Great.\n\nChannel 0: back and says that he wants me to trigger it, I will trigger it.\n\nChannel 1: Yep.\n\nChannel 0: It's\n\nChannel 1: No\n\nChannel 0: just\n\nChannel 1: worries.\n\nChannel 0: not as quick.\n\nChannel 1: Okay.\n\nChannel 0: It\n\nChannel 1: Well,\n\nChannel 0: it's\n\nChannel 1: once what whatever happens, the quicker we can do it as you are aware, the better\n\nChannel 0: yeah.\n\nChannel 1: it would be for me.\n\nChannel 0: Perfect. I will do that for you now. I will reach out and do all the things. On the insurance side, because we're moving from your net wealth account over to an SMSF fund, it's it's two different structures withholding the policy. It sounds so silly, but an SMSF is considered a different structure to a APRA regulated fund because they\n\nChannel 1: Yep.\n\nChannel 0: technically are. Because the policy has to then be in invoiced and it just becomes different. What they do is they kinda cancel and replace the policy from a technical\n\nChannel 1: Yep.\n\nChannel 0: back end point of view, but the policy remains exactly the same as it was when the terms were accepted, if that makes sense.\n\nChannel 1: Yeah. So it's basically a name change.\n\nChannel 0: Correct. That's exactly what it is, but they just call it a cancel and replace, and it's a pain full application as you know because you had to go through it. And\n\nChannel 1: Yep.\n\nChannel 0: they they also accepted it. Your policy originally had a lumbar spine exclusion.\n\nChannel 1: Yep.\n\nChannel 0: That spine exclusion remains, and they just need confirmation that you're happy for the policy to go in place with that same spine exclusion.\n\nChannel 1: Yeah. That should be fine. Like, my my back's been fantastic. So\n\nChannel 0: Yeah.\n\nChannel 1: but I'm\n\nChannel 0: Perfect.\n\nChannel 1: not that's fine.\n\nChannel 0: Cool. Alright. Well, I will send you this so you can electronically sign it, and I'll flick it over to Neos, and they'll they'll polish everything up the way they need to. And\n\nChannel 1: Yep.\n\nChannel 0: I'll reach out to Stewie today Stewie.\n\nChannel 1: No\n\nChannel 0: Sorry.\n\nChannel 1: worries. That's\n\nChannel 0: Other\n\nChannel 1: fine.\n\nChannel 0: mate,\n\nChannel 1: It's just\n\nChannel 0: Stewie.\n\nChannel 1: fine. I I I go like Stewie too.\n\nChannel 0: Cool. Fingers\n\nChannel 1: That's\n\nChannel 0: crossed by the end of the day, we'll be mates.\n\nChannel 1: yeah. That's\n\nChannel 0: I'll give him a call and see\n\nChannel 1: fantastic.\n\nChannel 0: if I can't light a fire and get it moving.\n\nChannel 1: You will as soon as you ring live and even even with your email, he'll respond to this. He's been pretty good with me lately.\n\nChannel 0: Perfect. Oh, just sometimes it ebbs and flows because I have\n\nChannel 1: Yeah.\n\nChannel 0: to talk to accountants all the time. And sometimes, you know, I'll call and I'll answer and they're available. This week, every time I call, no one gets back to me and everyone's busy. It just it happens.\n\nChannel 1: I think I think something's going on with super graduation fund money and how it has to be dealt with. And I think all the the tax you know, the ATO wants updates or amounts paid at a more frequent time. So\n\nChannel 0: Yeah.\n\nChannel 1: it's just giving everybody bookkeepers and and the like\n\nChannel 0: And the\n\nChannel 1: a\n\nChannel 0: like\n\nChannel 1: little bit more work.\n\nChannel 0: the account's not busy enough. May as well pile on. I'm kidding. No. Perfect.\n\nAlright. Well, I'm gonna go jump and do that because I'm well aware that we're pushing 05:00, and, generally, they all start scurrying home.\n\nChannel 1: Yes.\n\nChannel 0: I don't\n\nChannel 1: Yeah.\n\nChannel 0: remember the last time I left at 05:00, but that's okay. Let me get onto\n\nChannel 1: No.\n\nChannel 0: it and get it done, and you'll have an email from me shortly.\n\nChannel 1: Thank you so very much.\n\nChannel 0: You're welcome.\n\nChannel 1: Have a\n\nChannel 0: My\n\nChannel 1: lovely\n\nChannel 0: pleasure.\n\nChannel 1: day.\n\nChannel 0: You too. Bye.\n\nChannel 1: Alright. Bye now.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.76,"end":2.26,"sentiment":"neutral","sentiment_score":0.033900387585163116}],"sentiment":"neutral","sentiment_score":0.033900387585163116,"channel":1,"num_words":1,"start":1.76,"end":2.26},{"sentences":[{"text":"Hi, Lucas.","start":3.6799998,"end":4.56,"sentiment":"neutral","sentiment_score":0.1622169241309166},{"text":"Larissa from Oakview Financial.","start":4.56,"end":5.92,"sentiment":"neutral","sentiment_score":0.2419152967631817},{"text":"How are you going?","start":5.92,"end":6.74,"sentiment":"neutral","sentiment_score":0.2832980528473854}],"sentiment":"neutral","sentiment_score":0.24252872467041015,"channel":0,"num_words":10,"start":3.6799998,"end":6.74},{"sentences":[{"text":"Good.","start":6.96,"end":7.2799997,"sentiment":"positive","sentiment_score":0.6051609516143799},{"text":"Thank you.","start":7.2799997,"end":7.7599998,"sentiment":"positive","sentiment_score":0.6034126281738281},{"text":"Yourself, Marissa?","start":7.7599998,"end":8.66,"sentiment":"neutral","sentiment_score":0.21058878302574158}],"sentiment":"positive","sentiment_score":0.44663275480270387,"channel":1,"num_words":5,"start":6.96,"end":8.66},{"sentences":[{"text":"Yeah.","start":8.96,"end":9.44,"sentiment":"neutral","sentiment_score":0.08687892556190491},{"text":"Not bad.","start":9.44,"end":10.26,"sentiment":"neutral","sentiment_score":0.09373665228486061},{"text":"Sorry.","start":10.88,"end":11.2,"sentiment":"neutral","sentiment_score":-0.01659340038895607},{"text":"I just stepped out of a meeting and Kayden bailed me up and said 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The customer is trying to transfer the policy to his SMSF fund but is having trouble doing so. The accountant is trying to help transfer it, but they are having trouble doing it. The customer will try to get the insurance process done quickly and follow up with the accountant for verbal or written authorization. The agent explains that it takes a lot of time and effort to complete the transfer and promises to follow up with the customer."},"intents":{"segments":[{"text":"We originally had a conversation with the accountant via email that set Yep. up your SMSF, and they Yep. stated that they would be requesting the funds from Netwealth to go to the SMSF. Are they no longer going to be assisting you with that transfer? No.","start_word":161,"end_word":207,"intents":[{"intent":"Report a problem","confidence_score":0.00034572542}]},{"text":"I just am not sure. 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We can still send it from Netwealth across, but it's a little bit more clunky doing it Are that you way. are you able to email him and pretty much tell him that he can go ahead and do whatever he has to do?","start_word":668,"end_word":734,"intents":[{"intent":"Request assistance","confidence_score":0.16194998},{"intent":"Request assistance","confidence_score":0.009920735}]},{"text":"are you able to email him and pretty much tell him that he can go ahead and do whatever he has to do?","start_word":712,"end_word":734,"intents":[{"intent":"Obtain instructions from doolin","confidence_score":0.00011575399}]},{"text":"I will call Dylan Stewart. Yep. And see if I can get through to him. Not gonna lie.","start_word":909,"end_word":926,"intents":[{"intent":"Call david stewart","confidence_score":0.009112834}]},{"text":"I will follow it up with an email. You will Yep.","start_word":997,"end_word":1007,"intents":[{"intent":"Follow up with an email","confidence_score":0.10325291}]},{"text":"back and says that he wants me to trigger it, I will trigger it.","start_word":1054,"end_word":1067,"intents":[{"intent":"Trigger an email","confidence_score":0.27858013}]},{"text":"It sounds so silly, but an SMSF is considered a different structure to a APRA regulated fund because they Yep. technically are. Because the policy has to then be in invoiced and it just becomes different. What they do is they kinda cancel and replace the policy from a technical Yep. back end point of view, but the policy remains exactly the same as it was when the terms were accepted, if that makes sense. Yeah.","start_word":1144,"end_word":1219,"intents":[{"intent":"Simplify policies and procedures","confidence_score":0.0000016176201}]},{"text":"What they do is they kinda cancel and replace the policy from a technical Yep. back end point of view, but the policy remains exactly the same as it was when the terms were accepted, if that makes sense. Yeah.","start_word":1180,"end_word":1219,"intents":[{"intent":"Cancel and replace the policy","confidence_score":0.13421303},{"intent":"Confirm policy status","confidence_score":0.14973679}]},{"text":"That's I'll give him a call and see fantastic. if I can't light a fire and get it moving. You will as soon as you ring live and even even with your email, he'll respond to this. He's been pretty good with me lately. Perfect.","start_word":1389,"end_word":1433,"intents":[{"intent":"Evaluate support and schedule meetings","confidence_score":3.2222957e-8}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Lucas. Larissa from Oakview Financial. How are you going?","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.21121464669704437},{"text":"Good. Thank you.","start_word":11,"end_word":13,"sentiment":"positive","sentiment_score":0.5885616540908813},{"text":"Yourself, Marissa? Yeah. Not bad. Sorry. I just stepped out of a meeting and Kayden bailed me up and said that Yep. you emailed us for 03:30. So I'm obviously a little bit late, but as early as I could get you.","start_word":14,"end_word":55,"sentiment":"neutral","sentiment_score":-0.006401766557246447},{"text":"Cool. I love. Perfect. I love it when it all comes to comes together. So I'm the head of financial advice, and I wanted to give you a call to kind of run through everything and and help you out.","start_word":56,"end_word":95,"sentiment":"positive","sentiment_score":0.5312065482139587},{"text":"Yeah. Now before we jump into it, I do need to let you know our calls are recorded. And if I could get you confirmed security for me, it's full name, date of birth, and address. Lucas Ross. 31st Of The 10th 72. 26th Of Meridian Way, Mornington. Perfect. Okay. So I had to look over your file, and I've had to look through everything. We originally had a conversation with the accountant via email that set Yep. up your SMSF, and they Yep. stated that they would be requesting the funds from Netwealth to go to the SMSF. Are they no longer going to be assisting you with that transfer? No. Or So what what happens why is the question a bit? It's because I've asked. Yeah. So, like, in your email chain, I guess, it sort of indicated that you wanted us to, which is fine. We can we can help you roll the money from Netwealth to your SMSF. But, originally, we had some months ago, we received an email from the the accounting firm. I looked at it a couple hours ago. I can't quite remember the Yeah. accounting firm That's off alright. the top of my It's head. it's Stuart Doolin. But so I Yes. I Yeah. he's he was trying to get the Superfund account open, but couldn't get the account open. Well, actually, I was doing that. He couldn't couldn't get the account open until we got an ABN. That's Yep. all Yes. been sorted now. So Yep. I just am not sure. I thought there were pay there was paperwork that I needed to fill out or what happened? Because I've got this bank account sitting there waiting. I need it rolled over so I can transfer money for a deposit for Deposit. a purchase. Okay. Cool. So there's there's two different things that are currently at play here. One Yep. is you have an insurance policy that is currently pay like, your Neos insurance policy that's currently paid by your Netwealth account. What Caden and and the team here at Oakview, I I believe Madison Amy, sorry, was previously I need communicating. one. Yep. Was trying to get your your Neos policy transferred to your SMSF fund because you are moving over to that SMSF account.","start_word":96,"end_word":480,"sentiment":"neutral","sentiment_score":-0.0686162733992973},{"text":"And with Netwealth closing, if you don't have the premiums paid somewhere, the Neos policy will cancel.","start_word":481,"end_word":497,"sentiment":"negative","sentiment_score":-0.3775536119937897},{"text":"Gotcha. So Amy was trying to help you get the Neos policy transferred over, which we have it basically all transferred over. There's just one step remaining, which I'll go through in a second. The other the other, as I guess, point is is that your Netwealth cash or the money that's in Netwealth, now that you have the SMSF set up and the bank account's there and it's a legitimate account with an SMSF and it would have Yep. all the details you've emailed through, it has an ESA, it has an ABN, it's it's it's a trusted. It does all Legit. the things that need to do. Exactly. The ATO says it's legitimate. What happens now is that Netwealth can be moved over to the SMSF. When Yep. we communicated with the accountant, Doolin, he did state that he would do it once the account was all set up, that he was sort of acting on that side. Yep. I Okay.","start_word":498,"end_word":660,"sentiment":"neutral","sentiment_score":0.028988249988460835},{"text":"am happy and we can do it. It is generally easier for the accountant to request it through SuperStream direct from the SMSF funds, though. It's just a smoother process.","start_word":661,"end_word":690,"sentiment":"positive","sentiment_score":0.4909164011478424},{"text":"We can still send it from Netwealth across, but it's a little bit more clunky doing it Are that you way. are you able to email him and pretty much tell him that he can go ahead and do whatever he has to do? Because as far as I was aware, he'd done everything he needed to do. So I I he goes off. He was asking me when it was gonna be transferred. So I've paid him a certain amount of money to do Yep. Few grand. do his Set it job. all up. Yep. Yeah. And I was not under the impression that I needed to do anything else, but I've been trying to liaise with everybody to make things work. Yep. But but however it can happen the quickest Yep. would be the best because I'm about to have to pay I think it's about $40 out of my pocket and then pay Can it I back to myself from the yeah? Do what's what's the deposit date? last week. Oh, good. Okay. So I'm getting some nasty phone calls, but Yes.","start_word":691,"end_word":875,"sentiment":"neutral","sentiment_score":-0.03951818868517876},{"text":"the the guy's pretty crazy.","start_word":876,"end_word":880,"sentiment":"negative","sentiment_score":-0.37625497579574585},{"text":"When I say nasty, he said, look. I'm I'm keeping the owner at bay, but something's gonna happen. Yep. So Yeah. We we gotta move fast. Okay. yeah. I will call Dylan Stewart. Yep. And see if I can get through to him. Not gonna lie. I've had a terrible track record this week getting in touch with accountants, but I will give him a call because it's a quicker. It's not just him. It's just I don't know. Sometimes it happens. I'll give him a call and see if I can get him on the phone because it's gonna be quicker and easier. He is not going to take what I say at face value. I will follow it up with an email. You will Yep. be cc'd in that email, and he will probably most definitely, if he's doing things properly, come to you for verbal or written authority confirmation.","start_word":881,"end_word":1032,"sentiment":"neutral","sentiment_score":-0.001633247850756896},{"text":"So I will get it started for you on that side, get him to do Great. it.","start_word":1033,"end_word":1049,"sentiment":"positive","sentiment_score":0.47258925437927246},{"text":"If he comes Great. back and says that he wants me to trigger it, I will trigger it. Yep. It's No just worries. not as quick. Okay. It Well, it's once what whatever happens, the quicker we can do it as you are aware, the better yeah. it would be for me.","start_word":1050,"end_word":1101,"sentiment":"neutral","sentiment_score":0.18200603127479553},{"text":"Perfect. I will do that for you now.","start_word":1102,"end_word":1109,"sentiment":"positive","sentiment_score":0.5616872906684875},{"text":"I will reach out and do all the things. On the insurance side, because we're moving from your net wealth account over to an SMSF fund, it's it's two different structures withholding the policy. It sounds so silly, but an SMSF is considered a different structure to a APRA regulated fund because they Yep. technically are. Because the policy has to then be in invoiced and it just becomes different. What they do is they kinda cancel and replace the policy from a technical Yep. back end point of view, but the policy remains exactly the same as it was when the terms were accepted, if that makes sense. Yeah. So it's basically a name change. Correct. That's exactly what it is, but they just call it a cancel and replace, and it's a pain full application as you know because you had to go through it. And Yep. they they also accepted it. Your policy originally had a lumbar spine exclusion. Yep. That spine exclusion remains, and they just need confirmation that you're happy for the policy to go in place with that same spine exclusion. Yeah.","start_word":1110,"end_word":1297,"sentiment":"neutral","sentiment_score":-0.03022385761141777},{"text":"That should be fine. Like, my my back's been fantastic.","start_word":1298,"end_word":1307,"sentiment":"positive","sentiment_score":0.5960716605186462},{"text":"So Yeah. but I'm Perfect. not that's fine.","start_word":1308,"end_word":1315,"sentiment":"neutral","sentiment_score":0.1567656546831131},{"text":"Cool.","start_word":1316,"end_word":1316,"sentiment":"positive","sentiment_score":0.3373977541923523},{"text":"Alright. Well, I will send you this so you can electronically sign it, and I'll flick it over to Neos, and they'll they'll polish everything up the way they need to. And Yep. I'll reach out to Stewie today Stewie. No Sorry. worries. That's Other fine. mate, It's just Stewie. fine. I I I go like Stewie too.","start_word":1317,"end_word":1374,"sentiment":"neutral","sentiment_score":0.20756234228610992},{"text":"Cool. Fingers That's crossed by the end of the day, we'll be mates. yeah. That's I'll give him a call and see fantastic.","start_word":1375,"end_word":1397,"sentiment":"positive","sentiment_score":0.44389608502388},{"text":"if I can't light a fire and get it moving. You will as soon as you ring live and even even with your email, he'll respond to this.","start_word":1398,"end_word":1425,"sentiment":"neutral","sentiment_score":0.2919793426990509},{"text":"He's been pretty good with me lately. Perfect.","start_word":1426,"end_word":1433,"sentiment":"positive","sentiment_score":0.558766782283783},{"text":"Oh, just sometimes it ebbs and flows because I have Yeah. to talk to accountants all the time. And sometimes, you know, I'll call and I'll answer and they're available. This week, every time I call, no one gets back to me and everyone's busy. It just it happens. I think I think something's going on with super graduation fund money and how it has to be dealt with. And I think all the the tax you know, the ATO wants updates or amounts paid at a more frequent time. So Yeah. it's just giving everybody bookkeepers and and the like And the a like little bit more work. the account's not busy enough. May as well pile on. I'm kidding. No. Perfect. Alright. Well, I'm gonna go jump and do that because I'm well aware that we're pushing 05:00, and, generally, they all start scurrying home. Yes. I don't Yeah. remember the last time I left at 05:00, but that's okay. Let me get onto No.","start_word":1434,"end_word":1600,"sentiment":"neutral","sentiment_score":-0.0688604786992073},{"text":"it and get it done, and you'll have an email from me shortly. Thank you so very much. You're welcome. Have a My lovely pleasure. day. You too.","start_word":1601,"end_word":1628,"sentiment":"positive","sentiment_score":0.5924547910690308},{"text":"Bye. Alright. Bye now.","start_word":1629,"end_word":1632,"sentiment":"neutral","sentiment_score":0.17357756197452545}],"average":{"sentiment":"neutral","sentiment_score":0.03997226436762339}}}}