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I'm so glad that Maddie reached out to you, asked her to postpone this. I yeah. When we deal with insurances, unfortunately, you you know, you gotta deal with the bad side of it as well as when family members call you up, it's, yeah, it's not ideal. So I do apologize. It's the second time in a row, and it's not acceptable, and I apologize, mate. Now, I do have time. I do wanna run through a bit of a fact find and a risk profile, give you an idea about us as well, and then book in some time to go through the statement of advice and recommendations. So, yeah, I guess the the from an itinerary point of view, you know, you we I like to get an idea of what you're looking for and see if we can assist in any way. And then, yeah, from there, we'll go to you know, after lunch, a little bit more about you, I'll show you a little bit more about us. And then I'll go through a bit of fact find risk profile, and then we'll go from there. Right? Beautiful. So what what exactly I think my I think Scottie said something about superannuation. Right? Okay. Okay. Okay. So a 130 k. And is it just around, you know, what's what's you're looking to do with it? Do you wanna draw it out? Or do you want yeah. Okay. Yep. Gotcha. Yeah. Correct. Yeah. This tax free after preservation age, which is age 60. But, yeah, you can draw it down as a lump sum. What what what what's the intention of drawing it out of super? Do you wanna kind of use it to make interest or make return, or do you wanna spend it? What's what are you what's your thoughts? Okay. Yeah. Correct. But when you do get the pension are you are you a single individual, or are you have you got a partner? Single. Beautiful. So if you're single, you've got you can essentially get about $909,100 bucks and 5¢. Well, I believe at the moment, or last summer check, $909,100 or so dollars a fortnight from the pension at the age of 67 if you meet the asset test, the income test, and the work test. So have you did you did you do you want me to walk you through a bit of that? Or okay. Okay. Well, then we're speaking to you speaking to the right person because this is our lives. So we have to know all these rules and how to use them. So when you're looking at superannuation, you can actually access that at age 60, what we call preservation age, and you can draw that down at a a certain, you know, amount or you can pull it out lump sum if you stop working. Yet over the age of 65 and you're still working, you can actually pull withdraw a maximum amount of all of it. So moving forward from a superannuation point of view, it's it's most of the time, you you're in that gap, what I like to call the Goldilocks zone. So from age 60 to about 67 69 kind of area, it's really, really useful to have superannuation accounts and pump as much money as you can into it. I wish we had this conversation when you turn 60 because you can draw yeah. You can start drawing down money from your super tax free and then salary sacrifice your wage back in and just to mitigate all your tax. So there are strategies around that. You said that you had eight months before you had the pension. Are you still working at the moment? Or Oh, okay. I'm sorry to hear that, man. Did you did you have any insurance policies to claim on? Or Yeah. Gotcha. Gotcha. Gotcha. Okay. So let's let me let me let's reverse engineer this. So at the moment so let's say you get to you know, we're we're just looking at ways that we can assist. So would you want to start living on an income from from your superannuation as well as your pension? And if that is an income, what kind of income do you think, you just say per week, would you need, like, to to be able to fulfill your usual dues of life? Like, a $500 a week, 1,000 a week? What what are you kind of what do you think would be a good number? $5,500 a week. Okay. Beautiful. There you go. So if you're looking at so what I'll do is I might I'll prepare some strategies, but overall, just trying to utilize that $500 a week and see what we can do to be able to make sure that you've got that $500 a week until, you know, the day you die. Right? So that's is that is that kind of the overall goal? Or okay. No. That's okay. Do you okay. Well, let's so let let's do this. I'll I'll use that number, $500 a week. Do you have a mortgage? Do you have do you have rents? Like, what what's your living situation look like? Do you have assets? Okay. Okay. So you got $2.50 a week rent. Beautiful. And do you have any other assets lying around? Motor vehicles, you know, things like that? Yep. You got it. Beautiful Toyota. What kind of Toyota? Amazing. How much is the value of that? So yeah. Yeah. Cool. Okay. And do you have any loans against that? Or Yep. Beautiful. And nothing else? No superyacht, penthouse, apartment somewhere? Or okay. Okay. No. That's alright, Paul. It's it's it's offshore for a reason, so we'll just leave that be. Okay. No. That's Right. So so with the rent being $250 a week, do you think that is that other 250 to make up the $500 per week, is that do you think that's gonna be enough to, you know, pay for groceries and live your life? Is that enough? If I could get you to 600, would that be better? $7,700? Yeah. I think that's a little bit more reasonable. Okay. So let's go $700 per week is what you wanted to do, and you you want that by the age of 60 seven. Yeah? Do you need any cash at the moment? Because you're you're able to pull that those funds out of super if you like, if you're not working. Okay. Okay. Okay. Beautiful. So 700 k per week. And now not a problem. So I can yep. We can create some sort of strategy. So what I'll do is I'll see what the what the pension payments will look like, and then we can start drawing down just a small facility, I think, about 5% or so from your 130 k in super. Who's your super worth, by the way? Sorry. Who is your super and yeah. Where is your superannuation held? A r t, Australian Retirement Trust. Beautiful. Amazing. You wouldn't happen to have a statement or anything lying around, or can you email me someone? You that'll help me out a lot. 902 6519. Beautiful. Perfect, sir. Beautiful. Amazing. Yep. Perfect. Alright. So we're gonna utilize that those funds in your super to make up to that as well as using the pension. We're gonna be looking at ways to potentially move that $700 and then a lot of projections and not just if you're super invested in the matter that's gonna achieve that kind of return so that you can continue that that income of $700 a week all the way up to retirement. Yeah? Yep. No. So it doesn't really work like that. So do remember when I was talking about the work test, the asset test, and the income test? So they what you're talking about is the asset test. So the asset test is is essentially how much assets you pulled together as a single individual, and there's a cap on that. And then just from memory, it could be wrong to quote me on it, but I believe it's 425,000 and 250 or $475,250 is the limit of total assets including superannuation that you can have exclusive of a primary place residence. But because that's not you're not falling above that bracket with your super, then you are you should be entitled to the full pension, but I'm gonna calculate all that and let you know what it looks like anyway. Yep. So we can work that out and try and achieve that $700 per week. Anything else? Any sort of, you know, any any other goals? What is it that you wanted to kind of achieve with the $700? Where do you have any plans? You wanna go traveling? Do you wanna kinda what what what what does retirement look like for you? Good. Well, I beg to differ from you. You got a 137 k a $134 there, and you're about to qualify for the full pension. It's pretty good. You know, some retirements are different to others. You know, some people want penthouses and super yachts. Some people wanna live on a shack on the beach and just set up every day. So it really depends. Yeah. So what does that look like? What does that look like for you? What do you what do you wanna you know, you've got all the time, the Lord. You hang the boots up. You chill out. What what does that look like for you? What do you wanna what do you what would you like? Yep. Yep. Where where to? Where where would you like to travel to? Yeah. It's it. Vietnam. It's beautiful. Oh, like Ho Chi Minh. Oh, it's Ho Chi Minh. It's a wild place. It took scooters all the way up to Hanoi once upon a time in my life. And it's, yeah, it's a special kind of place. I guess, so Vietnam, do you are you thinking in the next couple of years, maybe, like, 70, you can do it for a seventieth birthday? Or Absolutely. Okay. Beautiful. Mhmm. Yeah. Yeah. No. I understand I understand completely. Yeah. No. Sorry. Go on. Yeah. You've been you've been working your entire life, mate. You know what I mean? It's it's about time that you reach the rewards of all that hard work. Exactly. Yeah. Well, hopefully, we hopefully, we can help you out in achieving those goals because that's our job. Yep. So no. That's that's right. That gives me a solid understanding of what you're looking for, and, yeah, I'm fairly sure that we'll be able to, yeah, strategize something, plan something, work it out. So thank you for that. I will send you through an email regarding our a little bit to just now that I know more about you, like I said, I wanna show you a little bit more about us, fees, and all that stuff, and some of the compliance as well because we are currently more regulated than the pharmaceutical industry in Australia, which is crazy. But that essentially gives me a it'll give me the opportunity to and you the opportunity to make an informed decision, obviously, on whether you wanna proceed or not. Okay? So Yes. No. You're alright, man. Alright. Yep. Yeah. Yeah. Yeah. Yeah. No. That's alright. That's alright. That's you you're not alone in that department. I can assure you that. We've been doing this for a long time and yeah. This conversation of what do you wanna achieve, it's a it's a question that nobody really asks themselves. Weird one. Oh, thank you, mate. I really appreciate that. Yeah. He's he's he's he's riding. He's taking his bike up north or something at the moment. Yeah. That's right. That's right. Family. Yep. Good on him. He's a good he's a good egg. You've you've raised a good kid there. Love this guy. He's a good he's a good man. Okay. Financial, initial consultation. So are you in front of your computer or phone? Can you open up your no. That's alright. No. That's alright. Are you able to put me on loudspeaker? Are you in a private environment so we can talk about this and you can I just need you to look at the document that I'm showing you? Not just the loud speaker. You speak you press the speaker button. Yep. Yep. Yep. I'm here. Beautiful. So I can hear you. So you wanna go and open up your emails. Do you have your emails in on your phone or beautiful. Beautiful. Now what I'm gonna do here is I'm gonna shoot you through a couple of documents, man. And one of them is actually inclusive of our digital brochure. So that digital brochure will will essentially give you it's it's inter interactive. So if you tap on certain areas, it'll take you to that area in the website so you can look through some further details. But more importantly, I wanna go through the financial services guide as well as go through services guide, give you a little bit more of an understanding of the company itself. And I've just sent that through, so you should be receiving that shortly in whenever it's finished going through the up there in the ether web, the cloud, however that works. Yeah. Somewhere up there. But, yeah, let me know when you've received it. Maybe give your maybe give your email a little refresh. Either a refresh or a yeah. Refresh it or I don't know. Look in your spam. Sometimes it goes to spam if it's a new email address, but we'll just see. It should come to your inbox. That's right, mate. Take your time. Yeah. It'll come the subject can be OPU Financial initial consultation, Ross Miles, and it's from myself, Sebi, at OPU Financial. Okay. If you it's a PDF. So is there any way that you can maybe is it on the bottom of your email, or you should be able to see attachment. Yeah? Do you need to sign in to your actual account? Yeah. No. That's alright. Well, take your time. Sign on in. Mhmm. I hear we're having some help in the background. Is that your partner or beautiful. Hey. That's lovely to meet you. No. Virtually meet you, should I say? Alright. And while we're getting signed in there, I've got your email. I've got your mobile. What is your home address at the moment? Yep. Sorry. I've I've missed the name of the street. Blue Moon. Beautiful. One word or street. Close. Got it. Yep. That's barely 4220 7. Okay. Burley Waters, Queensland. Well, that's all good. One of the seven. Good. Good. And you don't have a PO box or anything like that? Beautiful. And your spouse's name? And do you have any dependents running around? That's alright. All good. Alright. Perfect. And you would say would you say that you're looking at being retired because of the recent recent surgery? Or okay. Beautiful. Amazing. That's qualifications. That is all good. Now your gross income per annum. So because you're not working, are you gonna are you gonna receive any sort of income from any place this year? Or Okay. K. All good. Perfect. Please proceed. Sorry. I'm sorry? Yep. Gotcha. Lady friends. Not a problem. Perfect. And I've got your house as liabilities. That is all good. Mate, what is your highest and weight at the moment? Yep. Hundred and eighty seven centimeters. Yep. Beautiful. Do you have a power of attorney or, you know, a will or anything like that? That's not a problem at all. And so that that's all good. I've I've pretty much got everything I need, I believe. What is your date of birth? Of the sixth nineteen sixty. Beautiful. And you know this day and age, you never know, but I have to ask a question. I am assuming you're a male. Beautiful. Marital status. You said single, lady, friend, all good. Mate, that is all good. What I'm gonna do is walk you through what's called a it's it's essentially a risk profile questionnaire. Because in understanding that if we were to look at a way to get your superannuation working to a better position to achieve your goals and objectives, I need to make sure that we invested appropriately in line with your tolerance and capacity for risk. Right? So when we talk about this, it's taking we call risk on, risk off. Some of these questions are kind of stupid, but they are made up by the federal government, not us, and the ASIC, the Australian Securities Investment Commission. So I'll run you through a few of them, and then we'll get to the end. I'll give you a risk profile score, and then I'll determine what I believe if you are appropriately invested, by the way you answer these questions, or not. So first one, how would you rate your willingness to take financial risk? Would you say that you're one, a very high risk taker, two, a high risk taker, three, an average risk taker, or four, low risk taker? Four, low risk taker. Beautiful. Alright. Now how familiar are you with investment markets? Would you say that you're comfortable with investment knowledge? Would you say that you're aware that investments fluctuate? Or would you say that you got a very basic understanding? Understood. And what is the most aggressive investment you've ever made? Have you ever bought direct shares? No? Okay. No. That's fair enough. It's a good purchase. Positive. Okay. That's all good. Now the next question is gonna do with volatility. So volatility is obviously the fluctuation of your superannuation funds or any investment that goes up, goes down. It's the nature of the beast. So investments can go both up and down in value. That's essentially volatility. How much could your investment drop in value over the next twelve months before you start feeling concerned and anxious? K? So if you invest your super with us, let's say, had we invested in something or a whole bunch of things, and it how much could it fall by in twelve months before you start feeling concerned and anxious? One, more than 50%. Two, up to 50%. Three, up to 25%. Four up to 10%, five up to 5%. 25%. Beautiful. Maybe now after six months, you find that your portfolio has decreased to 20 per decreased by 20%. So you had a $100, now you got 80. Would you, one, invest heavily to expect future growth? Would you, two, invest a little bit to hopefully dollar cost average and get get a little bit back in return in the recovery? Would you, three, hold and waste improvements after speaking to a financial professional? Or four, you'll tell me to get stuffed and you'd sell everything to cash? So beautiful. And have you ever had investments including superannuation of a drop in value? And if so, how did it make you feel? Were you optimistic about the future? Were you cautious in not making any more investments, or were you extremely concerned? Okay. Beautiful. Beautiful. Beautiful. Okay. I'm just doing the compliance points over here, mate. Give me a second. Alright. There we go. There we go. Alright. Once the investments have been placed in force, how long would you need to access in your capital? I'm gonna say you're gonna be kicking for another ten years or so, if not more. Would you agree? Beautiful. And how much risk are you willing to take to get the return you want? Do you want maximum returns regardless of risk? You want moderate risk with good returns? Or do you want safety first and put everything in cash and essentially have inflation either way at your savings? Alright. Okay. Well, safety first. Cool. Amazing. There we go. So now have you ever thought about taking out a loan to invest? So one, you have borrowed or open to borrowing for stocks and funds. Two, have borrowed or open to borrowing for an investment property, but only investment property, not shares. Or five, you would only consider borrowing for your own home. Okay. Good. No. That's that's no. That's a good answer. Beautiful. And based on the way that you answered that last question, how would taking out a loan to invest make you feel? Would you say that you're worried about borrowing due to the significant risks? You say you're hesitant and you're wary of the risks? Or you said that you're comfortable with borrowing for all investments because you just wanna make great return? All investments, great return. Okay. Not a problem. But you said in the previous question that you said you'd only borrow for for a home. Right? So I might I might put you down as you're somewhat comfortable, but you are cautious you're a little bit cautious, but you're comfortable to do it. Yes? Beautiful. Beautiful. Now, mate, you have come out as a 39. That means that you are a balanced growth investor. Man, I think that is absolutely perfect for your agent stage in life. What that means is you're gonna take about 60% or 50 to 60% exposure to direct shares because currently, your superannuation I'll have a look at what your AOT is invested in. It's probably a lot more aggressive than that. It's probably taking about 80% exposure to shares. But right now, if the market were to crash, we wanna try and limit the amount of exposure you have to those markets and increase the exposure of defensive assets like bonds and fixed interest and cash and thing commodities, gold, things like that to get the return so that you won't be affected in the events of some sort of GFC two point o or something. Right? So what we wanna do ultimately is try and get you the greater return, but at the same time, reduce the level of exposure and risk you're taking to get that. Okay? So where my and if you agree with them, you're happy with that, what I'd like to do is I'll prepare a strategy based on a return from a superannuation management point of view to, yeah, to pretty much ensure that you you will be invested in a manner that's not only protecting your assets that you've built over time, but will still be getting you an an adequate return to try and be able to sustain your lifestyle out of $700 a week on top of your pension. Okay? Beautiful. And I'll show you what that looks like in our projections. Now did you manage to get the the documents up? Did you manage to log in to your your PDFs or your emails? That's annoying. Yeah. I can hear that. No. That's okay. That's alright. So what I might do is just walk you through it. You've got it. It's also linked to the calendar invite if you wanted to open that up, maybe try and give that a crack. Did you do you have Google Mail, or do you have your do you remember the calendar invite that I sent to you? If not if not yeah. If not, it's okay. I can just walk you through the fees and the process if you like. Beautiful. It should be under Oakview Financial somewhere. No. No. Technology is amazing when it works, but when it doesn't, it's an iPad. Yep. I completely agree and understand. Alright. Well, either way, while you're trying to do it, I can I can give you a bit of a little bit of a lay down? So we, as Oaktree Financial, we run our own Australian financial services license. What that means is we've got the same license as the big banks and insurance companies, things like that. And that number is 513068. You can search this up on Nasdaq registered or my name. You can look it all up. You what that means essentially is that we can give advice on financial products and strategies across anything we like. We've got no one above us kinda directing what we do. It's a very free license. And I guess the whole reason why we started the company so my business partner, his wife, and I started this company in a garage in Pimpama in hundreds of thousands of dollars worth of debt from an angel investor with no clients and a dream, I guess. And didn't know didn't have any idea how this was gonna end up, but we did it anyway. And now we got about 43 employees and, you know, somehow it works pretty pretty pretty crazy sometimes walking into that office. But, yeah, somehow we did it. So thank the lord for that. But, yeah, look, to to give you an idea of where we started and where we are now, we started it with the vision of being the most trusted financial planning firm in Australia. Now to build trust, we gotta build rapport with our clients. We gotta, you know, make sure that we we are doing everything in our capabilities in line with our core values and our clients to make sure that we're achieving their goals, financial goals, support, and objectives for retirement. Right? That's why I wanted to determine what that look like for you. So in order to build that trust, we wanted to essentially work out one one of fee structure to be able to maintain conversations instead of having to pay every time. And secondly, to be the most trusted, we've got to yeah. We wanted to do that by upholding our mission, which is to provide long term holistic strategies to couples, families, and individuals like yourself. So, yep, you are perfectly within our target market determination. And, yep, I guess from from there, we wanted to it was during the Hayden Royal Commission when we started it into banking and finance, and maybe there are a lot of people doing the wrong thing. But there's a few of us that are trying to do the right thing, and that's why we started the company. So, usually, how it works is boutique firms like ourselves. They work underneath a license, an AFSL, which looks like they it's called a corporate authorized representative. So they work with a company that's licensed by, say, CommBank. There's one of CBA's, one of them. So if I'm working I'm I'm licensed under CommBank, I wouldn't be, like, likely to recommend Westpac products. Right? Not because it's in the best interest of the clients, but because it's in the best interest of my principal and because they get comms and they get no commission. They get paid on all their products. Right? Not Westpac. So that's a direct conflict to me. If you're a product maker, I don't believe you should be a product provider, like a product recommender because you're gonna recommend your own products, obviously. So to be able to be you know what I mean? So if if if Westpac's product for you, for instance, is a better product for you, it's cheaper in every way, it's better. But I'm only restricted to recommend what my principal tells me to, then, you know, it's not looking after your best interest, is it? It's looking after theirs. So in order to get around that, we needed to apply for our own AFSL and be able to, yeah, be be in a position to be able to recommend any product on the market, whatever we wanted for our clients. And we got it. So that gives you a bit of a background. Essentially, from here, what we're gonna do is we we do the initial client consult. So we've already done that and get an understanding of you. You understand us. We do the fact find risk profile, and then what we do is we will we will book in another time where I will present to you a client's advice presentation, which is what's called a statement of advice. So legally binding documents that outlines all of our recommendations and gives you an understanding. It protects you. It also protects us to make sure that what we say is on pay pen and paper, and you've got a copy. I've got a copy. So if anything goes tits up, you know, it's it's you you're you're covered as well because we've given that advice under our licenses. So when an adviser becomes licensed under an appraisal or with ASIC and the federal government, we get a number. Mine's 1259315, and that sticks with us for life to make sure that we don't have any, like, banning or disqualifications or anything like that, k, which I do not. And you can search that up if you like, if you did wanna read some boring stuff. But, yeah, I've got and then after we present that statement of your advice and you understand that we can get you in a better position, because if I can't, I'll be the first one to call you and say, look, the only person that's gonna win if you come forward as a client is me because you're gonna go backwards and I'm gonna get paid fees. And that's not what we're about. Alright? So but if we can get you in a better position, we'll go you through the statement of advice, give you an idea of what's going on, what we're recommending, why it benefits you, the risks, the advantages, disadvantages, all the stuff. And after that, you can say yay or nay. You told me to go away, get fucked, because you don't like it, don't like me, whatever it is. And that's fine. And that's completely complimentary. We don't charge anything until you actually come on board as a client and see the value in our services. So part of that value is all of those fees are included inside our projections to show you the outcome as well as well as inflation. Okay? Now from there, you give us what's called an ATP. You say, yep. I wanna go ahead. You'll sign what's called an ATP authority to proceed. That authority to proceed will essentially be we will then implement that strategy, whatever it looks like. And then we are definitely not a set and forget kind of place because we like trust. We wanna build amongst it, and we'll do a quarterly update and do a full comprehensive annual review every year to make sure that you're still achieving your goals. Yeah? Perfect. Now the way we charge, we do charge a professional service fee because we are a professional service, and I like to get paid. I've got people to pay too and keep the lights on and all that. But there's different stages, mate. You are essentially in what's called the seeding stage. So you're you're gonna reap the rewards of everything that you worked hard for. You've you've completed your journey well done, and we're gonna try and get you to retire in style and look at some sort of way to forward your lifestyle. But not only that, we're looking into generational wealth as well when your time comes to fall off your perch, shall we say. Alright? So once you once that's all complimentary, but when you do proceed, we do charge a fee, and that is $4,950. That will get taken out of your superannuation. So we've managed to work out a way to not charge anything out of your back pocket. We can we will only charge our super it's tax effective so that you you've only paid 15¢ of the on the dollar going in rather than your marginal tax rate. So it's more tax effective, and it doesn't and it doesn't come out of your back pocket. It doesn't you don't feel it at all. And part of so that's the upfront just to for my time and everybody else's, but as well as the statement of advice. But moving forward, again, going back from that trust vision, we charge a percentage based fee on your assets. One, because if your funds go up, we get paid more, which is incentive for me. But if your funds go down, we get paid less. That is not gonna make either of us happy. Right? So we kind of we we have a relationship where we both wanna do good. Right? Yep. So it's a it's a tiered structure. So for the first 200,000, we charge 1.65%. So one point one point five plus GST. And then after 200,000, if we build your balance above 200,000 to 500,000, it drops to 1.375. And then from 500,000 to a million, it's 1.1. And then a million onwards, you're looking at 0.825. K? So we tier it like a like a tax brackets. You stop, and then we'll reduce it down. K? So that's that's a little bit more about the fees. But, again, I'll show you all those fees in the SOA, and we'll we'll include those in all projections. Do you have any questions about those fees? Does that make sense? Or beautiful. And because we run our own air parcel, that's we receive a 100% of those commissions. Outside of that, the last thing I wanna touch on is the complaints handling process. So what happens if you invest your money with me and I run away to, I don't know, The Bahamas and drink pina coladas with your money, you would be you wouldn't be very happy with me. So there's there's there's processes in in in this there's certain events, I guess. So if you're looking at some sort of thing like that, it hasn't happened. I've been doing this for a long time. But if it does, for whatever reason, then what you do is you go through firstly an internal dispute resolution process, which is IDR, and then after that, an external dispute resolution. If the IDR doesn't you don't get the right outcome that you're looking for. So that IDI is essentially getting in touch with the AFSL, the principal license, which is us, and you speak to the responsible manager of the firm, which is me. But I'm gonna be in the I'm gonna be in The Bahamas drinking pina coladas with your money. So you probably wanna wanna speak to me even if I picked up. So for that and for that reason, we've also got Bart. So Bart Ryan is the bit my business partner. He's more back of house and doesn't practice. So he'll be there to have a chat. And look, we're pretty reasonable. Just just let us know what's going on. We're happy to help out. Do what we can. But if but if for some reason you yeah. If for some reason you, I guess, yeah, if he tells you to get stuff and wants to come join me in The Bahamas and drink peanut coladas money, then you then you've got a external dispute resolution for us, which is you go to AFSCA. They call it AFSCA, the Australian Financial Complaints Authority, and they're pretty much our ombudsman. They love it. They'll get in touch with us and absolutely yeah. They make our lives hell. We are fortunate enough to be doing this for almost a decade, and only have two formal complaints, both of which were crushed because they weren't didn't make sense. And people just you know, people get touchy about their money. And when markets fall, everybody feels it, but some people like to complain, but that's a part of the process. So yeah. Correct. It goes up to nothing. It's the nature of the beast. So but there is that solution there. And in those documents, you can find it on our website as well. That number and email address for Africa is there. Like I said, that won't happen. But if you are upset about something or just just just rude for whatever reason, then by all means, mate, just by all means, mate, just just give me a call. I'm happy to have a chat. You know, we refund, do whatever whatever it is. Not like that. Does that all make sense? Beautiful. Do you have any questions or concerns before we book in the time? Or beautiful. I'm pretty booked up. What about a couple weeks time? Do you reckon maybe Monday, the fourteenth, would be a good time? Or or, actually, maybe even bring it a little bit closer. Do you reckon oh, no. I will do. We'll do Monday, the fourteenth. Do you wanna go 1PM or twelve noon? 1PM it is? Beautiful. I'll send you another calendar invite, and, Nate, thank you for your time. Absolute pleasure, and thank you for reaching oh, thanks, Scotty, for getting us in touch. I'll get working on this plan and try to see what we can do to get that goal of $700 a week in retirement by '67. And yeah. Look. Until then, mate, I'll speak to you in a couple of weeks. Oh, what I will also do is I need your superannuation statements and a picture of the front and the back of your driver's license. Am I able to send you an email? Can you send that through to me? Beautiful. I'll shoot you an email as soon as we finish this conversation, and, yeah, we'll go from there. Yep. No worries, mate. Speak to you soon. Bye. Yep. 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mate. Sevi's out of calling OP Financial. How are you? Yeah. I'm very well, man.\n\nI've just been dealing with a a car crash client, and I do apologize. I'm so glad that Maddie reached out to you, asked her to postpone this. I yeah. When we deal with insurances, unfortunately, you you know, you gotta deal with the bad side of it as well as when family members call you up, it's, yeah, it's not ideal. So I do apologize.\n\nIt's the second time in a row, and it's not acceptable, and I apologize, mate. Now, I do have time. I do wanna run through a bit of a fact find and a risk profile, give you an idea about us as well, and then book in some time to go through the statement of advice and recommendations. So, yeah, I guess the the from an itinerary point of view, you know, you we I like to get an idea of what you're looking for and see if we can assist in any way. And then, yeah, from there, we'll go to you know, after lunch, a little bit more about you, I'll show you a little bit more about us.\n\nAnd then I'll go through a bit of fact find risk profile, and then we'll go from there. Right? Beautiful. So what what exactly I think my I think Scottie said something about superannuation. Right?\n\nOkay. Okay. Okay. So a 130 k. And is it just around, you know, what's what's you're looking to do with it?\n\nDo you wanna draw it out? Or do you want yeah. Okay. Yep. Gotcha.\n\nYeah. Correct. Yeah. This tax free after preservation age, which is age 60. But, yeah, you can draw it down as a lump sum.\n\nWhat what what what's the intention of drawing it out of super? Do you wanna kind of use it to make interest or make return, or do you wanna spend it? What's what are you what's your thoughts? Okay. Yeah.\n\nCorrect. But when you do get the pension are you are you a single individual, or are you have you got a partner? Single. Beautiful. So if you're single, you've got you can essentially get about $909,100 bucks and 5¢.\n\nWell, I believe at the moment, or last summer check, $909,100 or so dollars a fortnight from the pension at the age of 67 if you meet the asset test, the income test, and the work test. So have you did you did you do you want me to walk you through a bit of that? Or okay. Okay. Well, then we're speaking to you speaking to the right person because this is our lives.\n\nSo we have to know all these rules and how to use them. So when you're looking at superannuation, you can actually access that at age 60, what we call preservation age, and you can draw that down at a a certain, you know, amount or you can pull it out lump sum if you stop working. Yet over the age of 65 and you're still working, you can actually pull withdraw a maximum amount of all of it. So moving forward from a superannuation point of view, it's it's most of the time, you you're in that gap, what I like to call the Goldilocks zone. So from age 60 to about 67 69 kind of area, it's really, really useful to have superannuation accounts and pump as much money as you can into it.\n\nI wish we had this conversation when you turn 60 because you can draw yeah. You can start drawing down money from your super tax free and then salary sacrifice your wage back in and just to mitigate all your tax. So there are strategies around that. You said that you had eight months before you had the pension. Are you still working at the moment?\n\nOr Oh, okay. I'm sorry to hear that, man. Did you did you have any insurance policies to claim on? Or Yeah. Gotcha.\n\nGotcha. Gotcha. Okay. So let's let me let me let's reverse engineer this. So at the moment so let's say you get to you know, we're we're just looking at ways that we can assist.\n\nSo would you want to start living on an income from from your superannuation as well as your pension? And if that is an income, what kind of income do you think, you just say per week, would you need, like, to to be able to fulfill your usual dues of life? Like, a $500 a week, 1,000 a week? What what are you kind of what do you think would be a good number? $5,500 a week.\n\nOkay. Beautiful. There you go. So if you're looking at so what I'll do is I might I'll prepare some strategies, but overall, just trying to utilize that $500 a week and see what we can do to be able to make sure that you've got that $500 a week until, you know, the day you die. Right?\n\nSo that's is that is that kind of the overall goal? Or okay. No. That's okay. Do you okay.\n\nWell, let's so let let's do this. I'll I'll use that number, $500 a week. Do you have a mortgage? Do you have do you have rents? Like, what what's your living situation look like?\n\nDo you have assets? Okay. Okay. So you got $2.50 a week rent. Beautiful.\n\nAnd do you have any other assets lying around? Motor vehicles, you know, things like that? Yep. You got it. Beautiful Toyota.\n\nWhat kind of Toyota? Amazing. How much is the value of that? So yeah. Yeah.\n\nCool. Okay. And do you have any loans against that? Or Yep. Beautiful.\n\nAnd nothing else? No superyacht, penthouse, apartment somewhere? Or okay. Okay. No.\n\nThat's alright, Paul. It's it's it's offshore for a reason, so we'll just leave that be. Okay. No. That's Right.\n\nSo so with the rent being $250 a week, do you think that is that other 250 to make up the $500 per week, is that do you think that's gonna be enough to, you know, pay for groceries and live your life? Is that enough? If I could get you to 600, would that be better? $7,700? Yeah.\n\nI think that's a little bit more reasonable. Okay. So let's go $700 per week is what you wanted to do, and you you want that by the age of 60 seven. Yeah? Do you need any cash at the moment?\n\nBecause you're you're able to pull that those funds out of super if you like, if you're not working. Okay. Okay. Okay. Beautiful.\n\nSo 700 k per week. And now not a problem. So I can yep. We can create some sort of strategy. So what I'll do is I'll see what the what the pension payments will look like, and then we can start drawing down just a small facility, I think, about 5% or so from your 130 k in super.\n\nWho's your super worth, by the way? Sorry. Who is your super and yeah. Where is your superannuation held? A r t, Australian Retirement Trust.\n\nBeautiful. Amazing. You wouldn't happen to have a statement or anything lying around, or can you email me someone? You that'll help me out a lot. 902 6519.\n\nBeautiful. Perfect, sir. Beautiful. Amazing. Yep.\n\nPerfect. Alright. So we're gonna utilize that those funds in your super to make up to that as well as using the pension. We're gonna be looking at ways to potentially move that $700 and then a lot of projections and not just if you're super invested in the matter that's gonna achieve that kind of return so that you can continue that that income of $700 a week all the way up to retirement. Yeah?\n\nYep. No. So it doesn't really work like that. So do remember when I was talking about the work test, the asset test, and the income test? So they what you're talking about is the asset test.\n\nSo the asset test is is essentially how much assets you pulled together as a single individual, and there's a cap on that. And then just from memory, it could be wrong to quote me on it, but I believe it's 425,000 and 250 or $475,250 is the limit of total assets including superannuation that you can have exclusive of a primary place residence. But because that's not you're not falling above that bracket with your super, then you are you should be entitled to the full pension, but I'm gonna calculate all that and let you know what it looks like anyway. Yep. So we can work that out and try and achieve that $700 per week.\n\nAnything else? Any sort of, you know, any any other goals? What is it that you wanted to kind of achieve with the $700? Where do you have any plans? You wanna go traveling?\n\nDo you wanna kinda what what what what does retirement look like for you? Good. Well, I beg to differ from you. You got a 137 k a $134 there, and you're about to qualify for the full pension. It's pretty good.\n\nYou know, some retirements are different to others. You know, some people want penthouses and super yachts. Some people wanna live on a shack on the beach and just set up every day. So it really depends. Yeah.\n\nSo what does that look like? What does that look like for you? What do you what do you wanna you know, you've got all the time, the Lord. You hang the boots up. You chill out.\n\nWhat what does that look like for you? What do you wanna what do you what would you like? Yep. Yep. Where where to?\n\nWhere where would you like to travel to? Yeah. It's it. Vietnam. It's beautiful.\n\nOh, like Ho Chi Minh. Oh, it's Ho Chi Minh. It's a wild place. It took scooters all the way up to Hanoi once upon a time in my life. And it's, yeah, it's a special kind of place.\n\nI guess, so Vietnam, do you are you thinking in the next couple of years, maybe, like, 70, you can do it for a seventieth birthday? Or Absolutely. Okay. Beautiful. Mhmm.\n\nYeah. Yeah. No. I understand I understand completely. Yeah.\n\nNo. Sorry. Go on. Yeah. You've been you've been working your entire life, mate.\n\nYou know what I mean? It's it's about time that you reach the rewards of all that hard work. Exactly. Yeah. Well, hopefully, we hopefully, we can help you out in achieving those goals because that's our job.\n\nYep. So no. That's that's right. That gives me a solid understanding of what you're looking for, and, yeah, I'm fairly sure that we'll be able to, yeah, strategize something, plan something, work it out. So thank you for that.\n\nI will send you through an email regarding our a little bit to just now that I know more about you, like I said, I wanna show you a little bit more about us, fees, and all that stuff, and some of the compliance as well because we are currently more regulated than the pharmaceutical industry in Australia, which is crazy. But that essentially gives me a it'll give me the opportunity to and you the opportunity to make an informed decision, obviously, on whether you wanna proceed or not. Okay? So Yes. No.\n\nYou're alright, man. Alright. Yep. Yeah. Yeah.\n\nYeah. Yeah. No. That's alright. That's alright.\n\nThat's you you're not alone in that department. I can assure you that. We've been doing this for a long time and yeah. This conversation of what do you wanna achieve, it's a it's a question that nobody really asks themselves. Weird one.\n\nOh, thank you, mate. I really appreciate that. Yeah. He's he's he's he's riding. He's taking his bike up north or something at the moment.\n\nYeah. That's right. That's right. Family. Yep.\n\nGood on him. He's a good he's a good egg. You've you've raised a good kid there. Love this guy. He's a good he's a good man.\n\nOkay. Financial, initial consultation. So are you in front of your computer or phone? Can you open up your no. That's alright.\n\nNo. That's alright. Are you able to put me on loudspeaker? Are you in a private environment so we can talk about this and you can I just need you to look at the document that I'm showing you? Not just the loud speaker.\n\nYou speak you press the speaker button. Yep. Yep. Yep. I'm here.\n\nBeautiful. So I can hear you. So you wanna go and open up your emails. Do you have your emails in on your phone or beautiful. Beautiful.\n\nNow what I'm gonna do here is I'm gonna shoot you through a couple of documents, man. And one of them is actually inclusive of our digital brochure. So that digital brochure will will essentially give you it's it's inter interactive. So if you tap on certain areas, it'll take you to that area in the website so you can look through some further details. But more importantly, I wanna go through the financial services guide as well as go through services guide, give you a little bit more of an understanding of the company itself.\n\nAnd I've just sent that through, so you should be receiving that shortly in whenever it's finished going through the up there in the ether web, the cloud, however that works. Yeah. Somewhere up there. But, yeah, let me know when you've received it. Maybe give your maybe give your email a little refresh.\n\nEither a refresh or a yeah. Refresh it or I don't know. Look in your spam. Sometimes it goes to spam if it's a new email address, but we'll just see. It should come to your inbox.\n\nThat's right, mate. Take your time. Yeah. It'll come the subject can be OPU Financial initial consultation, Ross Miles, and it's from myself, Sebi, at OPU Financial. Okay.\n\nIf you it's a PDF. So is there any way that you can maybe is it on the bottom of your email, or you should be able to see attachment. Yeah? Do you need to sign in to your actual account? Yeah.\n\nNo. That's alright. Well, take your time. Sign on in. Mhmm.\n\nI hear we're having some help in the background. Is that your partner or beautiful. Hey. That's lovely to meet you. No.\n\nVirtually meet you, should I say? Alright. And while we're getting signed in there, I've got your email. I've got your mobile. What is your home address at the moment?\n\nYep. Sorry. I've I've missed the name of the street. Blue Moon. Beautiful.\n\nOne word or street. Close. Got it. Yep. That's barely 4220 7.\n\nOkay. Burley Waters, Queensland. Well, that's all good. One of the seven. Good.\n\nGood. And you don't have a PO box or anything like that? Beautiful. And your spouse's name? And do you have any dependents running around?\n\nThat's alright. All good. Alright. Perfect. And you would say would you say that you're looking at being retired because of the recent recent surgery?\n\nOr okay. Beautiful. Amazing. That's qualifications. That is all good.\n\nNow your gross income per annum. So because you're not working, are you gonna are you gonna receive any sort of income from any place this year? Or Okay. K. All good.\n\nPerfect. Please proceed. Sorry. I'm sorry? Yep.\n\nGotcha. Lady friends. Not a problem. Perfect. And I've got your house as liabilities.\n\nThat is all good. Mate, what is your highest and weight at the moment? Yep. Hundred and eighty seven centimeters. Yep.\n\nBeautiful. Do you have a power of attorney or, you know, a will or anything like that? That's not a problem at all. And so that that's all good. I've I've pretty much got everything I need, I believe.\n\nWhat is your date of birth? Of the sixth nineteen sixty. Beautiful. And you know this day and age, you never know, but I have to ask a question. I am assuming you're a male.\n\nBeautiful. Marital status. You said single, lady, friend, all good. Mate, that is all good. What I'm gonna do is walk you through what's called a it's it's essentially a risk profile questionnaire.\n\nBecause in understanding that if we were to look at a way to get your superannuation working to a better position to achieve your goals and objectives, I need to make sure that we invested appropriately in line with your tolerance and capacity for risk. Right? So when we talk about this, it's taking we call risk on, risk off. Some of these questions are kind of stupid, but they are made up by the federal government, not us, and the ASIC, the Australian Securities Investment Commission. So I'll run you through a few of them, and then we'll get to the end.\n\nI'll give you a risk profile score, and then I'll determine what I believe if you are appropriately invested, by the way you answer these questions, or not. So first one, how would you rate your willingness to take financial risk? Would you say that you're one, a very high risk taker, two, a high risk taker, three, an average risk taker, or four, low risk taker? Four, low risk taker. Beautiful.\n\nAlright. Now how familiar are you with investment markets? Would you say that you're comfortable with investment knowledge? Would you say that you're aware that investments fluctuate? Or would you say that you got a very basic understanding?\n\nUnderstood. And what is the most aggressive investment you've ever made? Have you ever bought direct shares? No? Okay.\n\nNo. That's fair enough. It's a good purchase. Positive. Okay.\n\nThat's all good. Now the next question is gonna do with volatility. So volatility is obviously the fluctuation of your superannuation funds or any investment that goes up, goes down. It's the nature of the beast. So investments can go both up and down in value.\n\nThat's essentially volatility. How much could your investment drop in value over the next twelve months before you start feeling concerned and anxious? K? So if you invest your super with us, let's say, had we invested in something or a whole bunch of things, and it how much could it fall by in twelve months before you start feeling concerned and anxious? One, more than 50%.\n\nTwo, up to 50%. Three, up to 25%. Four up to 10%, five up to 5%. 25%. Beautiful.\n\nMaybe now after six months, you find that your portfolio has decreased to 20 per decreased by 20%. So you had a $100, now you got 80. Would you, one, invest heavily to expect future growth? Would you, two, invest a little bit to hopefully dollar cost average and get get a little bit back in return in the recovery? Would you, three, hold and waste improvements after speaking to a financial professional?\n\nOr four, you'll tell me to get stuffed and you'd sell everything to cash? So beautiful. And have you ever had investments including superannuation of a drop in value? And if so, how did it make you feel? Were you optimistic about the future?\n\nWere you cautious in not making any more investments, or were you extremely concerned? Okay. Beautiful. Beautiful. Beautiful.\n\nOkay. I'm just doing the compliance points over here, mate. Give me a second. Alright. There we go.\n\nThere we go. Alright. Once the investments have been placed in force, how long would you need to access in your capital? I'm gonna say you're gonna be kicking for another ten years or so, if not more. Would you agree?\n\nBeautiful. And how much risk are you willing to take to get the return you want? Do you want maximum returns regardless of risk? You want moderate risk with good returns? Or do you want safety first and put everything in cash and essentially have inflation either way at your savings?\n\nAlright. Okay. Well, safety first. Cool. Amazing.\n\nThere we go. So now have you ever thought about taking out a loan to invest? So one, you have borrowed or open to borrowing for stocks and funds. Two, have borrowed or open to borrowing for an investment property, but only investment property, not shares. Or five, you would only consider borrowing for your own home.\n\nOkay. Good. No. That's that's no. That's a good answer.\n\nBeautiful. And based on the way that you answered that last question, how would taking out a loan to invest make you feel? Would you say that you're worried about borrowing due to the significant risks? You say you're hesitant and you're wary of the risks? Or you said that you're comfortable with borrowing for all investments because you just wanna make great return?\n\nAll investments, great return. Okay. Not a problem. But you said in the previous question that you said you'd only borrow for for a home. Right?\n\nSo I might I might put you down as you're somewhat comfortable, but you are cautious you're a little bit cautious, but you're comfortable to do it. Yes? Beautiful. Beautiful. Now, mate, you have come out as a 39.\n\nThat means that you are a balanced growth investor. Man, I think that is absolutely perfect for your agent stage in life. What that means is you're gonna take about 60% or 50 to 60% exposure to direct shares because currently, your superannuation I'll have a look at what your AOT is invested in. It's probably a lot more aggressive than that. It's probably taking about 80% exposure to shares.\n\nBut right now, if the market were to crash, we wanna try and limit the amount of exposure you have to those markets and increase the exposure of defensive assets like bonds and fixed interest and cash and thing commodities, gold, things like that to get the return so that you won't be affected in the events of some sort of GFC two point o or something. Right? So what we wanna do ultimately is try and get you the greater return, but at the same time, reduce the level of exposure and risk you're taking to get that. Okay? So where my and if you agree with them, you're happy with that, what I'd like to do is I'll prepare a strategy based on a return from a superannuation management point of view to, yeah, to pretty much ensure that you you will be invested in a manner that's not only protecting your assets that you've built over time, but will still be getting you an an adequate return to try and be able to sustain your lifestyle out of $700 a week on top of your pension.\n\nOkay? Beautiful. And I'll show you what that looks like in our projections. Now did you manage to get the the documents up? Did you manage to log in to your your PDFs or your emails?\n\nThat's annoying. Yeah. I can hear that. No. That's okay.\n\nThat's alright. So what I might do is just walk you through it. You've got it. It's also linked to the calendar invite if you wanted to open that up, maybe try and give that a crack. Did you do you have Google Mail, or do you have your do you remember the calendar invite that I sent to you?\n\nIf not if not yeah. If not, it's okay. I can just walk you through the fees and the process if you like. Beautiful. It should be under Oakview Financial somewhere.\n\nNo. No. Technology is amazing when it works, but when it doesn't, it's an iPad. Yep. I completely agree and understand.\n\nAlright. Well, either way, while you're trying to do it, I can I can give you a bit of a little bit of a lay down? So we, as Oaktree Financial, we run our own Australian financial services license. What that means is we've got the same license as the big banks and insurance companies, things like that. And that number is 513068.\n\nYou can search this up on Nasdaq registered or my name. You can look it all up. You what that means essentially is that we can give advice on financial products and strategies across anything we like. We've got no one above us kinda directing what we do. It's a very free license.\n\nAnd I guess the whole reason why we started the company so my business partner, his wife, and I started this company in a garage in Pimpama in hundreds of thousands of dollars worth of debt from an angel investor with no clients and a dream, I guess. And didn't know didn't have any idea how this was gonna end up, but we did it anyway. And now we got about 43 employees and, you know, somehow it works pretty pretty pretty crazy sometimes walking into that office. But, yeah, somehow we did it. So thank the lord for that.\n\nBut, yeah, look, to to give you an idea of where we started and where we are now, we started it with the vision of being the most trusted financial planning firm in Australia. Now to build trust, we gotta build rapport with our clients. We gotta, you know, make sure that we we are doing everything in our capabilities in line with our core values and our clients to make sure that we're achieving their goals, financial goals, support, and objectives for retirement. Right? That's why I wanted to determine what that look like for you.\n\nSo in order to build that trust, we wanted to essentially work out one one of fee structure to be able to maintain conversations instead of having to pay every time. And secondly, to be the most trusted, we've got to yeah. We wanted to do that by upholding our mission, which is to provide long term holistic strategies to couples, families, and individuals like yourself. So, yep, you are perfectly within our target market determination. And, yep, I guess from from there, we wanted to it was during the Hayden Royal Commission when we started it into banking and finance, and maybe there are a lot of people doing the wrong thing.\n\nBut there's a few of us that are trying to do the right thing, and that's why we started the company. So, usually, how it works is boutique firms like ourselves. They work underneath a license, an AFSL, which looks like they it's called a corporate authorized representative. So they work with a company that's licensed by, say, CommBank. There's one of CBA's, one of them.\n\nSo if I'm working I'm I'm licensed under CommBank, I wouldn't be, like, likely to recommend Westpac products. Right? Not because it's in the best interest of the clients, but because it's in the best interest of my principal and because they get comms and they get no commission. They get paid on all their products. Right?\n\nNot Westpac. So that's a direct conflict to me. If you're a product maker, I don't believe you should be a product provider, like a product recommender because you're gonna recommend your own products, obviously. So to be able to be you know what I mean? So if if if Westpac's product for you, for instance, is a better product for you, it's cheaper in every way, it's better.\n\nBut I'm only restricted to recommend what my principal tells me to, then, you know, it's not looking after your best interest, is it? It's looking after theirs. So in order to get around that, we needed to apply for our own AFSL and be able to, yeah, be be in a position to be able to recommend any product on the market, whatever we wanted for our clients. And we got it. So that gives you a bit of a background.\n\nEssentially, from here, what we're gonna do is we we do the initial client consult. So we've already done that and get an understanding of you. You understand us. We do the fact find risk profile, and then what we do is we will we will book in another time where I will present to you a client's advice presentation, which is what's called a statement of advice. So legally binding documents that outlines all of our recommendations and gives you an understanding.\n\nIt protects you. It also protects us to make sure that what we say is on pay pen and paper, and you've got a copy. I've got a copy. So if anything goes tits up, you know, it's it's you you're you're covered as well because we've given that advice under our licenses. So when an adviser becomes licensed under an appraisal or with ASIC and the federal government, we get a number.\n\nMine's 1259315, and that sticks with us for life to make sure that we don't have any, like, banning or disqualifications or anything like that, k, which I do not. And you can search that up if you like, if you did wanna read some boring stuff. But, yeah, I've got and then after we present that statement of your advice and you understand that we can get you in a better position, because if I can't, I'll be the first one to call you and say, look, the only person that's gonna win if you come forward as a client is me because you're gonna go backwards and I'm gonna get paid fees. And that's not what we're about. Alright?\n\nSo but if we can get you in a better position, we'll go you through the statement of advice, give you an idea of what's going on, what we're recommending, why it benefits you, the risks, the advantages, disadvantages, all the stuff. And after that, you can say yay or nay. You told me to go away, get fucked, because you don't like it, don't like me, whatever it is. And that's fine. And that's completely complimentary.\n\nWe don't charge anything until you actually come on board as a client and see the value in our services. So part of that value is all of those fees are included inside our projections to show you the outcome as well as well as inflation. Okay? Now from there, you give us what's called an ATP. You say, yep.\n\nI wanna go ahead. You'll sign what's called an ATP authority to proceed. That authority to proceed will essentially be we will then implement that strategy, whatever it looks like. And then we are definitely not a set and forget kind of place because we like trust. We wanna build amongst it, and we'll do a quarterly update and do a full comprehensive annual review every year to make sure that you're still achieving your goals.\n\nYeah? Perfect. Now the way we charge, we do charge a professional service fee because we are a professional service, and I like to get paid. I've got people to pay too and keep the lights on and all that. But there's different stages, mate.\n\nYou are essentially in what's called the seeding stage. So you're you're gonna reap the rewards of everything that you worked hard for. You've you've completed your journey well done, and we're gonna try and get you to retire in style and look at some sort of way to forward your lifestyle. But not only that, we're looking into generational wealth as well when your time comes to fall off your perch, shall we say. Alright?\n\nSo once you once that's all complimentary, but when you do proceed, we do charge a fee, and that is $4,950. That will get taken out of your superannuation. So we've managed to work out a way to not charge anything out of your back pocket. We can we will only charge our super it's tax effective so that you you've only paid 15¢ of the on the dollar going in rather than your marginal tax rate. So it's more tax effective, and it doesn't and it doesn't come out of your back pocket.\n\nIt doesn't you don't feel it at all. And part of so that's the upfront just to for my time and everybody else's, but as well as the statement of advice. But moving forward, again, going back from that trust vision, we charge a percentage based fee on your assets. One, because if your funds go up, we get paid more, which is incentive for me. But if your funds go down, we get paid less.\n\nThat is not gonna make either of us happy. Right? So we kind of we we have a relationship where we both wanna do good. Right? Yep.\n\nSo it's a it's a tiered structure. So for the first 200,000, we charge 1.65%. So one point one point five plus GST. And then after 200,000, if we build your balance above 200,000 to 500,000, it drops to 1.375. And then from 500,000 to a million, it's 1.1.\n\nAnd then a million onwards, you're looking at 0.825. K? So we tier it like a like a tax brackets. You stop, and then we'll reduce it down. K?\n\nSo that's that's a little bit more about the fees. But, again, I'll show you all those fees in the SOA, and we'll we'll include those in all projections. Do you have any questions about those fees? Does that make sense? Or beautiful.\n\nAnd because we run our own air parcel, that's we receive a 100% of those commissions. Outside of that, the last thing I wanna touch on is the complaints handling process. So what happens if you invest your money with me and I run away to, I don't know, The Bahamas and drink pina coladas with your money, you would be you wouldn't be very happy with me. So there's there's there's processes in in in this there's certain events, I guess. So if you're looking at some sort of thing like that, it hasn't happened.\n\nI've been doing this for a long time. But if it does, for whatever reason, then what you do is you go through firstly an internal dispute resolution process, which is IDR, and then after that, an external dispute resolution. If the IDR doesn't you don't get the right outcome that you're looking for. So that IDI is essentially getting in touch with the AFSL, the principal license, which is us, and you speak to the responsible manager of the firm, which is me. But I'm gonna be in the I'm gonna be in The Bahamas drinking pina coladas with your money.\n\nSo you probably wanna wanna speak to me even if I picked up. So for that and for that reason, we've also got Bart. So Bart Ryan is the bit my business partner. He's more back of house and doesn't practice. So he'll be there to have a chat.\n\nAnd look, we're pretty reasonable. Just just let us know what's going on. We're happy to help out. Do what we can. But if but if for some reason you yeah.\n\nIf for some reason you, I guess, yeah, if he tells you to get stuff and wants to come join me in The Bahamas and drink peanut coladas money, then you then you've got a external dispute resolution for us, which is you go to AFSCA. They call it AFSCA, the Australian Financial Complaints Authority, and they're pretty much our ombudsman. They love it. They'll get in touch with us and absolutely yeah. They make our lives hell.\n\nWe are fortunate enough to be doing this for almost a decade, and only have two formal complaints, both of which were crushed because they weren't didn't make sense. And people just you know, people get touchy about their money. And when markets fall, everybody feels it, but some people like to complain, but that's a part of the process. So yeah. Correct.\n\nIt goes up to nothing. It's the nature of the beast. So but there is that solution there. And in those documents, you can find it on our website as well. That number and email address for Africa is there.\n\nLike I said, that won't happen. But if you are upset about something or just just just rude for whatever reason, then by all means, mate, just by all means, mate, just just give me a call. I'm happy to have a chat. You know, we refund, do whatever whatever it is. Not like that.\n\nDoes that all make sense? Beautiful. Do you have any questions or concerns before we book in the time? Or beautiful. I'm pretty booked up.\n\nWhat about a couple weeks time? Do you reckon maybe Monday, the fourteenth, would be a good time? Or or, actually, maybe even bring it a little bit closer. Do you reckon oh, no. I will do.\n\nWe'll do Monday, the fourteenth. Do you wanna go 1PM or twelve noon? 1PM it is? Beautiful. I'll send you another calendar invite, and, Nate, thank you for your time.\n\nAbsolute pleasure, and thank you for reaching oh, thanks, Scotty, for getting us in touch. I'll get working on this plan and try to see what we can do to get that goal of $700 a week in retirement by '67. And yeah. Look. Until then, mate, I'll speak to you in a couple of weeks.\n\nOh, what I will also do is I need your superannuation statements and a picture of the front and the back of your driver's license. Am I able to send you an email? Can you send that through to me? Beautiful. I'll shoot you an email as soon as we finish this conversation, and, yeah, we'll go from there.\n\nYep. No worries, mate. Speak to you soon. Bye. Yep.\n\nBye.","paragraphs":[{"sentences":[{"text":"Ross, mate.","start":2.1599998,"end":2.72,"sentiment":"neutral","sentiment_score":0.05810672044754028},{"text":"Sevi's out of calling OP Financial.","start":2.72,"end":4.5,"sentiment":"neutral","sentiment_score":0.0925334816177686},{"text":"How are you?","start":4.64,"end":5.46,"sentiment":"neutral","sentiment_score":0.11833893011013667},{"text":"Yeah.","start":7.3599997,"end":7.68,"sentiment":"neutral","sentiment_score":0.0963996946811676},{"text":"I'm very well, man.","start":7.68,"end":8.48,"sentiment":"neutral","sentiment_score":0.11196623928844929}],"sentiment":"neutral","sentiment_score":0.09816848579794168,"num_words":16,"start":2.1599998,"end":8.48},{"sentences":[{"text":"I've just been dealing with a a car crash client, and I do apologize.","start":8.48,"end":13.04,"sentiment":"neutral","sentiment_score":-0.2525583431124687},{"text":"I'm so glad that Maddie reached out to you, asked her to postpone this.","start":13.04,"end":16.375,"sentiment":"neutral","sentiment_score":-0.2127505908054965},{"text":"I yeah.","start":16.375,"end":17.755,"sentiment":"neutral","sentiment_score":-0.2503608912229538},{"text":"When we deal with insurances, unfortunately, you you know, you gotta deal with the bad side of it as well as when family members call you up, it's, yeah, it's not ideal.","start":18.055,"end":26.715,"sentiment":"negative","sentiment_score":-0.3921145284548402},{"text":"So I do apologize.","start":27.0,"end":28.12,"sentiment":"neutral","sentiment_score":-0.3005917817354202}],"sentiment":"neutral","sentiment_score":-0.3146224074968786,"num_words":66,"start":8.48,"end":28.12},{"sentences":[{"text":"It's the second time in a row, and it's not acceptable, and I apologize, mate.","start":28.12,"end":31.98,"sentiment":"negative","sentiment_score":-0.477023184299469},{"text":"Now, I do have time.","start":34.2,"end":36.04,"sentiment":"neutral","sentiment_score":0.08118107169866562},{"text":"I do wanna run through a bit of a fact find and a risk profile, give you an idea about us as well, and then book in some time to go through the statement of advice and recommendations.","start":36.04,"end":45.335,"sentiment":"neutral","sentiment_score":0.14452633026399112},{"text":"So, yeah, I guess the the from an itinerary point of view, you know, you we I like to get an idea of what you're looking for and see if we can assist in any way.","start":46.594997,"end":55.414997,"sentiment":"neutral","sentiment_score":0.1975106027805143},{"text":"And then, yeah, from there, we'll go to you know, after lunch, a little bit more about you, I'll show you a little bit more about us.","start":56.559998,"end":62.64,"sentiment":"neutral","sentiment_score":0.14175597799045067}],"sentiment":"neutral","sentiment_score":0.08000290289151767,"num_words":121,"start":28.12,"end":62.64},{"sentences":[{"text":"And then I'll go through a bit of fact find risk profile, and then we'll go from there.","start":62.64,"end":66.479996,"sentiment":"neutral","sentiment_score":0.08631870191958216},{"text":"Right?","start":66.479996,"end":66.979996,"sentiment":"neutral","sentiment_score":0.06453811377286911},{"text":"Beautiful.","start":68.935005,"end":69.255005,"sentiment":"neutral","sentiment_score":0.2721143960952759},{"text":"So what what exactly I think my I think Scottie said something about superannuation.","start":69.255005,"end":73.435,"sentiment":"neutral","sentiment_score":0.016162875374513015},{"text":"Right?","start":73.895004,"end":74.395004,"sentiment":"neutral","sentiment_score":0.013486339710652828}],"sentiment":"neutral","sentiment_score":0.060861592553555964,"num_words":35,"start":62.64,"end":74.395004},{"sentences":[{"text":"Okay.","start":76.135,"end":76.635,"sentiment":"neutral","sentiment_score":-0.027947336435317993},{"text":"Okay.","start":81.335,"end":81.495,"sentiment":"neutral","sentiment_score":0.006235474720597267},{"text":"Okay.","start":81.495,"end":81.815,"sentiment":"neutral","sentiment_score":0.005745996721088886},{"text":"So a 130 k.","start":81.815,"end":82.935,"sentiment":"neutral","sentiment_score":-0.00011200871085748076},{"text":"And is it just around, you know, what's what's you're looking to do with it?","start":82.935,"end":88.21,"sentiment":"neutral","sentiment_score":-0.009112087978670995}],"sentiment":"neutral","sentiment_score":-0.006958873614414849,"num_words":22,"start":76.135,"end":88.21},{"sentences":[{"text":"Do you wanna draw it out?","start":88.35,"end":89.55,"sentiment":"neutral","sentiment_score":-0.03032596657673518},{"text":"Or do you want yeah.","start":89.55,"end":91.33,"sentiment":"neutral","sentiment_score":-0.04550846964120865},{"text":"Okay.","start":93.15,"end":93.65,"sentiment":"neutral","sentiment_score":-0.023431826382875443},{"text":"Yep.","start":97.275,"end":97.435005,"sentiment":"neutral","sentiment_score":0.02586181089282036},{"text":"Gotcha.","start":97.435005,"end":97.935005,"sentiment":"neutral","sentiment_score":-0.02496352232992649}],"sentiment":"neutral","sentiment_score":-0.030859406106173992,"num_words":14,"start":88.35,"end":97.935005},{"sentences":[{"text":"Yeah.","start":101.115005,"end":101.595,"sentiment":"neutral","sentiment_score":0.02295999974012375},{"text":"Correct.","start":101.595,"end":102.095,"sentiment":"neutral","sentiment_score":0.12976229190826416},{"text":"Yeah.","start":102.235,"end":102.475006,"sentiment":"neutral","sentiment_score":0.15759964287281036},{"text":"This tax free after preservation age, which is age 60.","start":102.475006,"end":105.615005,"sentiment":"neutral","sentiment_score":0.17796818986535073},{"text":"But, yeah, you can draw it down as a lump sum.","start":107.115005,"end":109.53,"sentiment":"neutral","sentiment_score":0.19524125483903018}],"sentiment":"neutral","sentiment_score":0.17656906818350157,"num_words":24,"start":101.115005,"end":109.53},{"sentences":[{"text":"What what what what's the intention of drawing it out of super?","start":109.77,"end":112.81,"sentiment":"neutral","sentiment_score":0.010983427676061789},{"text":"Do you wanna kind of use it to make interest or make return, or do you wanna spend it?","start":112.81,"end":117.53,"sentiment":"neutral","sentiment_score":0.06780952274015076},{"text":"What's what are you what's your thoughts?","start":117.53,"end":119.15,"sentiment":"neutral","sentiment_score":0.0032958401633160456},{"text":"Okay.","start":125.465004,"end":125.965004,"sentiment":"neutral","sentiment_score":-0.04316781088709831},{"text":"Yeah.","start":131.225,"end":131.625,"sentiment":"neutral","sentiment_score":0.0883733332157135}],"sentiment":"neutral","sentiment_score":0.03721146169118583,"num_words":40,"start":109.77,"end":131.625},{"sentences":[{"text":"Correct.","start":131.625,"end":132.105,"sentiment":"neutral","sentiment_score":0.11843577027320862},{"text":"But when you do get the pension are you are you a single individual, or are you have you got a partner?","start":132.105,"end":136.845,"sentiment":"neutral","sentiment_score":0.044556590135801925},{"text":"Single.","start":139.77,"end":140.27,"sentiment":"neutral","sentiment_score":0.2013415694236755},{"text":"Beautiful.","start":140.33,"end":140.81,"sentiment":"positive","sentiment_score":0.598453164100647},{"text":"So if you're single, you've got you can essentially get about $909,100 bucks and 5¢.","start":140.81,"end":147.45001,"sentiment":"neutral","sentiment_score":0.31562687882355284}],"sentiment":"neutral","sentiment_score":0.16198081513627982,"num_words":40,"start":131.625,"end":147.45001},{"sentences":[{"text":"Well, I believe at the moment, or last summer check, $909,100 or so dollars a fortnight from the pension at the age of 67 if you meet the asset test, the income test, and the work test.","start":147.45001,"end":158.355,"sentiment":"neutral","sentiment_score":0.13891359700544462},{"text":"So have you did you did you do you want me to walk you through a bit of that?","start":158.655,"end":162.655,"sentiment":"neutral","sentiment_score":0.04951374722938789},{"text":"Or okay.","start":162.655,"end":167.92,"sentiment":"neutral","sentiment_score":-0.02912646532058716},{"text":"Okay.","start":167.92,"end":168.16,"sentiment":"neutral","sentiment_score":0.06104668974876404},{"text":"Well, then we're speaking to you speaking to the right person because this is our lives.","start":168.16,"end":171.44,"sentiment":"neutral","sentiment_score":0.1010408722795546}],"sentiment":"neutral","sentiment_score":0.10266682669520379,"num_words":75,"start":147.45001,"end":171.44},{"sentences":[{"text":"So we have to know all these rules and how to use them.","start":171.44,"end":175.06,"sentiment":"neutral","sentiment_score":0.1151712628511282},{"text":"So when you're looking at superannuation, you can actually access that at age 60, what we call preservation age, and you can draw that down at a a certain, you know, amount or you can pull it out lump sum if you stop working.","start":175.2,"end":187.805,"sentiment":"neutral","sentiment_score":0.07171146918765524},{"text":"Yet over the age of 65 and you're still working, you can actually pull withdraw a maximum amount of all of it.","start":187.805,"end":194.46,"sentiment":"neutral","sentiment_score":0.05467611517418514},{"text":"So moving forward from a superannuation point of view, it's it's most of the time, you you're in that gap, what I like to call the Goldilocks zone.","start":195.74,"end":203.66,"sentiment":"neutral","sentiment_score":0.12924969169710362},{"text":"So from age 60 to about 67 69 kind of area, it's really, really useful to have superannuation accounts and pump as much money as you can into it.","start":203.66,"end":214.315,"sentiment":"positive","sentiment_score":0.41538164893101004}],"sentiment":"neutral","sentiment_score":0.15823871162993944,"num_words":136,"start":171.44,"end":214.315},{"sentences":[{"text":"I wish we had this conversation when you turn 60 because you can draw yeah.","start":214.315,"end":218.555,"sentiment":"neutral","sentiment_score":0.31308462023735045},{"text":"You can start drawing down money from your super tax free and then salary sacrifice your wage back in and just to mitigate all your tax.","start":218.555,"end":225.7,"sentiment":"neutral","sentiment_score":0.23776274575636938},{"text":"So there are strategies around that.","start":225.92,"end":227.86,"sentiment":"neutral","sentiment_score":0.14944938694437346},{"text":"You said that you had eight months before you had the pension.","start":228.16,"end":231.28,"sentiment":"neutral","sentiment_score":0.00872952778202792},{"text":"Are you still working at the moment?","start":231.28,"end":232.88,"sentiment":"neutral","sentiment_score":-0.01456573445882116}],"sentiment":"neutral","sentiment_score":0.17844835162219225,"num_words":66,"start":214.315,"end":232.88},{"sentences":[{"text":"Or Oh, okay.","start":232.88,"end":238.365,"sentiment":"neutral","sentiment_score":-0.09601487716039021},{"text":"I'm sorry to hear that, man.","start":238.765,"end":240.145,"sentiment":"neutral","sentiment_score":-0.1649490942557653},{"text":"Did you did you have any insurance policies to claim on?","start":240.285,"end":243.645,"sentiment":"neutral","sentiment_score":-0.05254897339777513},{"text":"Or Yeah.","start":243.645,"end":260.44,"sentiment":"neutral","sentiment_score":-0.04255858063697815},{"text":"Gotcha.","start":260.44,"end":260.92,"sentiment":"neutral","sentiment_score":-0.01354755274951458}],"sentiment":"neutral","sentiment_score":-0.08497576601803303,"num_words":23,"start":232.88,"end":260.92},{"sentences":[{"text":"Gotcha.","start":260.92,"end":261.32,"sentiment":"neutral","sentiment_score":-0.00603364547714591},{"text":"Gotcha.","start":261.32,"end":261.64,"sentiment":"neutral","sentiment_score":-0.004571093246340752},{"text":"Okay.","start":261.64,"end":262.14,"sentiment":"neutral","sentiment_score":0.018293097615242004},{"text":"So let's let me let me let's reverse engineer this.","start":262.2,"end":265.48,"sentiment":"neutral","sentiment_score":0.05779113918542862},{"text":"So at the moment so let's say you get to you know, we're we're just looking at ways that we can assist.","start":265.48,"end":270.915,"sentiment":"neutral","sentiment_score":0.111470652744174}],"sentiment":"neutral","sentiment_score":0.08679868888908199,"num_words":35,"start":260.92,"end":270.915},{"sentences":[{"text":"So would you want to start living on an income from from your superannuation as well as your pension?","start":270.915,"end":278.275,"sentiment":"neutral","sentiment_score":0.11968511107720826},{"text":"And if that is an income, what kind of income do you think, you just say per week, would you need, like, to to be able to fulfill your usual dues of life?","start":278.275,"end":287.97,"sentiment":"neutral","sentiment_score":0.03181165846234018},{"text":"Like, a $500 a week, 1,000 a week?","start":287.97,"end":290.85,"sentiment":"neutral","sentiment_score":0.013065372360870242},{"text":"What what are you kind of what do you think would be a good number?","start":290.85,"end":293.51,"sentiment":"neutral","sentiment_score":-0.06987317477663359},{"text":"$5,500 a week.","start":295.995,"end":297.435,"sentiment":"neutral","sentiment_score":0.003744648148616155}],"sentiment":"neutral","sentiment_score":0.030659758223172944,"num_words":78,"start":270.915,"end":297.435},{"sentences":[{"text":"Okay.","start":297.435,"end":297.755,"sentiment":"neutral","sentiment_score":0.16475042700767517},{"text":"Beautiful.","start":297.755,"end":298.255,"sentiment":"positive","sentiment_score":0.3774784207344055},{"text":"There you go.","start":299.755,"end":300.315,"sentiment":"neutral","sentiment_score":0.2598319848378499},{"text":"So if you're looking at so what I'll do is I might I'll prepare some strategies, but overall, just trying to utilize that $500 a week and see what we can do to be able to make sure that you've got that $500 a week until, you know, the day you die.","start":300.315,"end":316.97,"sentiment":"neutral","sentiment_score":0.10790986331323019},{"text":"Right?","start":316.97,"end":317.47,"sentiment":"neutral","sentiment_score":0.09267346560955048}],"sentiment":"neutral","sentiment_score":0.12113295103712328,"num_words":58,"start":297.435,"end":317.47},{"sentences":[{"text":"So that's is that is that kind of the overall goal?","start":318.16998,"end":321.05,"sentiment":"neutral","sentiment_score":0.18162131174044174},{"text":"Or okay.","start":321.05,"end":326.715,"sentiment":"neutral","sentiment_score":-0.14903616160154343},{"text":"No.","start":327.49503,"end":327.73502,"sentiment":"neutral","sentiment_score":-0.1609298586845398},{"text":"That's okay.","start":327.73502,"end":328.375,"sentiment":"neutral","sentiment_score":-0.025097480043768883},{"text":"Do you okay.","start":328.375,"end":329.095,"sentiment":"neutral","sentiment_score":0.0417457806567351}],"sentiment":"neutral","sentiment_score":0.08494076995473158,"num_words":19,"start":318.16998,"end":329.095},{"sentences":[{"text":"Well, let's so let let's do this.","start":329.095,"end":331.49503,"sentiment":"neutral","sentiment_score":0.07533710237060275},{"text":"I'll I'll use that number, $500 a week.","start":331.49503,"end":333.815,"sentiment":"neutral","sentiment_score":0.10843811091035604},{"text":"Do you have a mortgage?","start":333.815,"end":334.61502,"sentiment":"neutral","sentiment_score":0.027268723025918006},{"text":"Do you have do you have rents?","start":334.61502,"end":335.89502,"sentiment":"neutral","sentiment_score":0.0020718340362821308},{"text":"Like, what what's your living situation look like?","start":335.89502,"end":337.73502,"sentiment":"neutral","sentiment_score":-0.0019842564361169934}],"sentiment":"neutral","sentiment_score":0.04370962873633419,"num_words":35,"start":329.095,"end":337.73502},{"sentences":[{"text":"Do you have assets?","start":337.73502,"end":338.635,"sentiment":"neutral","sentiment_score":-0.001387020107358694},{"text":"Okay.","start":342.19,"end":342.51,"sentiment":"neutral","sentiment_score":0.04941195249557495},{"text":"Okay.","start":342.51,"end":342.75,"sentiment":"neutral","sentiment_score":0.04786264896392822},{"text":"So you got $2.50 a week rent.","start":342.75,"end":344.53,"sentiment":"neutral","sentiment_score":0.06342407635280065},{"text":"Beautiful.","start":345.55002,"end":346.05002,"sentiment":"positive","sentiment_score":0.4438520073890686}],"sentiment":"neutral","sentiment_score":0.06996764734919582,"num_words":14,"start":337.73502,"end":346.05002},{"sentences":[{"text":"And do you have any other assets lying around?","start":346.99002,"end":348.99002,"sentiment":"neutral","sentiment_score":0.08001777074403232},{"text":"Motor vehicles, you know, things like that?","start":348.99002,"end":351.73,"sentiment":"neutral","sentiment_score":0.020889231402959143},{"text":"Yep.","start":352.795,"end":353.035,"sentiment":"neutral","sentiment_score":0.07378113269805908},{"text":"You got it.","start":353.035,"end":354.795,"sentiment":"neutral","sentiment_score":0.14100383967161179},{"text":"Beautiful Toyota.","start":354.795,"end":355.595,"sentiment":"positive","sentiment_score":0.33850250393152237}],"sentiment":"neutral","sentiment_score":0.092735555276952,"num_words":22,"start":346.99002,"end":355.595},{"sentences":[{"text":"What kind of Toyota?","start":355.595,"end":356.495,"sentiment":"neutral","sentiment_score":0.06720197107642889},{"text":"Amazing.","start":360.23502,"end":360.73502,"sentiment":"positive","sentiment_score":0.382937490940094},{"text":"How much is the value of that?","start":360.795,"end":362.33502,"sentiment":"neutral","sentiment_score":0.14225160224097116},{"text":"So yeah.","start":365.27502,"end":366.33502,"sentiment":"neutral","sentiment_score":0.05875442177057266},{"text":"Yeah.","start":366.39502,"end":366.715,"sentiment":"neutral","sentiment_score":0.10824549198150636}],"sentiment":"neutral","sentiment_score":0.12488406176368395,"num_words":15,"start":355.595,"end":366.715},{"sentences":[{"text":"Cool.","start":366.715,"end":367.215,"sentiment":"neutral","sentiment_score":0.15526926517486572},{"text":"Okay.","start":367.355,"end":367.755,"sentiment":"neutral","sentiment_score":0.04405488073825836},{"text":"And do you have any loans against that?","start":367.755,"end":369.47,"sentiment":"neutral","sentiment_score":0.009164615301415324},{"text":"Or Yep.","start":369.47,"end":372.37003,"sentiment":"neutral","sentiment_score":-0.0039036162197589874},{"text":"Beautiful.","start":372.75,"end":373.25,"sentiment":"neutral","sentiment_score":0.2738109230995178}],"sentiment":"neutral","sentiment_score":0.04143421222957281,"num_words":13,"start":366.715,"end":373.25},{"sentences":[{"text":"And nothing else?","start":373.47,"end":374.27002,"sentiment":"neutral","sentiment_score":0.03512041084468365},{"text":"No superyacht, penthouse, apartment somewhere?","start":374.27002,"end":376.45,"sentiment":"neutral","sentiment_score":-0.058416081964969634},{"text":"Or okay.","start":376.51,"end":383.585,"sentiment":"neutral","sentiment_score":-0.019786575809121132},{"text":"Okay.","start":383.585,"end":383.985,"sentiment":"neutral","sentiment_score":-0.007277576252818108},{"text":"No.","start":383.985,"end":384.065,"sentiment":"neutral","sentiment_score":-0.05275373160839081}],"sentiment":"neutral","sentiment_score":-0.023860303064187367,"num_words":12,"start":373.47,"end":384.065},{"sentences":[{"text":"That's alright, Paul.","start":384.065,"end":384.865,"sentiment":"neutral","sentiment_score":0.010162304776410261},{"text":"It's it's it's offshore for a reason, so we'll just leave that be.","start":384.865,"end":388.405,"sentiment":"neutral","sentiment_score":-0.031021245898535617},{"text":"Okay.","start":389.185,"end":389.685,"sentiment":"neutral","sentiment_score":-0.003644028678536415},{"text":"No.","start":389.905,"end":390.065,"sentiment":"neutral","sentiment_score":-0.02867882326245308},{"text":"That's Right.","start":390.065,"end":390.625,"sentiment":"neutral","sentiment_score":0.026957559399306774}],"sentiment":"neutral","sentiment_score":-0.01755985077470541,"num_words":20,"start":384.065,"end":390.625},{"sentences":[{"text":"So so with the rent being $250 a week, do you think that is that other 250 to make up the $500 per week, is that do you think that's gonna be enough to, you know, pay for groceries and live your life?","start":390.625,"end":402.69998,"sentiment":"neutral","sentiment_score":0.03871408480674375},{"text":"Is that enough?","start":403.24,"end":404.13998,"sentiment":"neutral","sentiment_score":0.000945722684264183},{"text":"If I could get you to 600, would that be better?","start":404.44,"end":407.1,"sentiment":"neutral","sentiment_score":0.003524238243699074},{"text":"$7,700?","start":409.115,"end":410.23502,"sentiment":"neutral","sentiment_score":0.014127157628536224},{"text":"Yeah.","start":410.23502,"end":410.475,"sentiment":"neutral","sentiment_score":0.06786739826202393}],"sentiment":"neutral","sentiment_score":0.030310237140915658,"num_words":59,"start":390.625,"end":410.475},{"sentences":[{"text":"I think that's a little bit more reasonable.","start":410.475,"end":411.995,"sentiment":"neutral","sentiment_score":0.08242553286254406},{"text":"Okay.","start":411.995,"end":412.495,"sentiment":"neutral","sentiment_score":0.07015623152256012},{"text":"So let's go $700 per week is what you wanted to do, and you you want that by the age of 60 seven.","start":412.635,"end":421.195,"sentiment":"neutral","sentiment_score":0.05189018688448097},{"text":"Yeah?","start":421.195,"end":421.62,"sentiment":"neutral","sentiment_score":0.01881253719329834},{"text":"Do you need any cash at the moment?","start":423.06,"end":424.9,"sentiment":"neutral","sentiment_score":-0.03571365657262504}],"sentiment":"neutral","sentiment_score":0.04039361164337251,"num_words":41,"start":410.475,"end":424.9},{"sentences":[{"text":"Because you're you're able to pull that those funds out of super if you like, if you're not working.","start":424.9,"end":429.96,"sentiment":"neutral","sentiment_score":-0.05471295020297954},{"text":"Okay.","start":431.06,"end":431.56,"sentiment":"neutral","sentiment_score":-0.00820841733366251},{"text":"Okay.","start":431.69998,"end":431.94,"sentiment":"neutral","sentiment_score":0.07725909352302551},{"text":"Okay.","start":431.94,"end":432.26,"sentiment":"neutral","sentiment_score":0.18187856674194336},{"text":"Beautiful.","start":432.26,"end":432.74,"sentiment":"positive","sentiment_score":0.45728200674057007}],"sentiment":"neutral","sentiment_score":-0.01440586105151021,"num_words":23,"start":424.9,"end":432.74},{"sentences":[{"text":"So 700 k per week.","start":432.74,"end":434.145,"sentiment":"neutral","sentiment_score":0.22220739722251892},{"text":"And now not a problem.","start":435.585,"end":437.985,"sentiment":"neutral","sentiment_score":0.22872394919395447},{"text":"So I can yep.","start":437.985,"end":439.345,"sentiment":"neutral","sentiment_score":0.20448680967092514},{"text":"We can create some sort of strategy.","start":439.345,"end":440.94498,"sentiment":"neutral","sentiment_score":0.22640166750976018},{"text":"So what I'll do is I'll see what the what the pension payments will look like, and then we can start drawing down just a small facility, I think, about 5% or so from your 130 k in super.","start":440.94498,"end":450.67,"sentiment":"neutral","sentiment_score":0.10575423294152969}],"sentiment":"neutral","sentiment_score":0.14636384546756745,"num_words":60,"start":432.74,"end":450.67},{"sentences":[{"text":"Who's your super worth, by the way?","start":450.67,"end":452.29,"sentiment":"neutral","sentiment_score":0.042676600494555066},{"text":"Sorry.","start":454.35,"end":454.67,"sentiment":"neutral","sentiment_score":-0.018753111362457275},{"text":"Who is your super and yeah.","start":454.67,"end":456.19,"sentiment":"neutral","sentiment_score":-0.009898479407032331},{"text":"Where is your superannuation held?","start":456.19,"end":458.05002,"sentiment":"neutral","sentiment_score":-0.007864037621766328},{"text":"A r t, Australian Retirement Trust.","start":462.365,"end":465.10498,"sentiment":"neutral","sentiment_score":0.007334528723731637}],"sentiment":"neutral","sentiment_score":0.009011167995631696,"num_words":25,"start":450.67,"end":465.10498},{"sentences":[{"text":"Beautiful.","start":467.16498,"end":467.66498,"sentiment":"positive","sentiment_score":0.5239655375480652},{"text":"Amazing.","start":468.285,"end":468.785,"sentiment":"positive","sentiment_score":0.5105925798416138},{"text":"You wouldn't happen to have a statement or anything lying around, or can you email me someone?","start":468.845,"end":473.185,"sentiment":"neutral","sentiment_score":0.1391795343335937},{"text":"You that'll help me out a lot.","start":477.63,"end":479.57,"sentiment":"neutral","sentiment_score":0.19240716525486537},{"text":"902 6519.","start":490.175,"end":498.51498,"sentiment":"neutral","sentiment_score":0.050765497609972954}],"sentiment":"neutral","sentiment_score":0.17317826260945626,"num_words":28,"start":467.16498,"end":498.51498},{"sentences":[{"text":"Beautiful.","start":498.655,"end":499.155,"sentiment":"positive","sentiment_score":0.4050939083099365},{"text":"Perfect, sir.","start":500.255,"end":501.06,"sentiment":"positive","sentiment_score":0.3745228797197342},{"text":"Beautiful.","start":504.26,"end":504.76,"sentiment":"positive","sentiment_score":0.5721225142478943},{"text":"Amazing.","start":504.82,"end":505.32,"sentiment":"positive","sentiment_score":0.5674182772636414},{"text":"Yep.","start":505.62,"end":505.94,"sentiment":"positive","sentiment_score":0.3941974639892578}],"sentiment":"positive","sentiment_score":0.4479796538750331,"num_words":6,"start":498.655,"end":505.94},{"sentences":[{"text":"Perfect.","start":505.94,"end":506.44,"sentiment":"positive","sentiment_score":0.4970676302909851},{"text":"Alright.","start":506.9,"end":507.22,"sentiment":"neutral","sentiment_score":0.3127686381340027},{"text":"So we're gonna utilize that those funds in your super to make up to that as well as using the pension.","start":507.22,"end":515.0,"sentiment":"neutral","sentiment_score":0.284766334153357},{"text":"We're gonna be looking at ways to potentially move that $700 and then a lot of projections and not just if you're super invested in the matter that's gonna achieve that kind of return so that you can continue that that income of $700 a week all the way up to retirement.","start":515.295,"end":530.03,"sentiment":"neutral","sentiment_score":0.24709076606310332},{"text":"Yeah?","start":530.03,"end":530.53,"sentiment":"neutral","sentiment_score":0.07802656292915344}],"sentiment":"neutral","sentiment_score":0.2594299432086317,"num_words":76,"start":505.94,"end":530.53},{"sentences":[{"text":"Yep.","start":537.87,"end":538.37,"sentiment":"neutral","sentiment_score":-0.03387082368135452},{"text":"No.","start":548.325,"end":548.72504,"sentiment":"neutral","sentiment_score":-0.3218931555747986},{"text":"So it doesn't really work like that.","start":548.72504,"end":550.16504,"sentiment":"negative","sentiment_score":-0.41260927489825655},{"text":"So do remember when I was talking about the work test, the asset test, and the income test?","start":550.16504,"end":554.67,"sentiment":"neutral","sentiment_score":-0.02946050102925963},{"text":"So they what you're talking about is the asset test.","start":555.14996,"end":557.87,"sentiment":"neutral","sentiment_score":-0.0018415014259517194}],"sentiment":"neutral","sentiment_score":-0.10250629557649026,"num_words":37,"start":537.87,"end":557.87},{"sentences":[{"text":"So the asset test is is essentially how much assets you pulled together as a single individual, and there's a cap on that.","start":557.87,"end":565.38995,"sentiment":"neutral","sentiment_score":-0.023500055803552918},{"text":"And then just from memory, it could be wrong to quote me on it, but I believe it's 425,000 and 250 or $475,250 is the limit of total assets including superannuation that you can have exclusive of a primary place residence.","start":565.38995,"end":582.195,"sentiment":"neutral","sentiment_score":-0.042957912312775126},{"text":"But because that's not you're not falling above that bracket with your super, then you are you should be entitled to the full pension, but I'm gonna calculate all that and let you know what it looks like anyway.","start":582.75,"end":592.21,"sentiment":"neutral","sentiment_score":0.033391423045824736},{"text":"Yep.","start":598.13495,"end":598.45496,"sentiment":"positive","sentiment_score":0.4684983193874359},{"text":"So we can work that out and try and achieve that $700 per week.","start":598.45496,"end":601.755,"sentiment":"positive","sentiment_score":0.5406837825264249}],"sentiment":"neutral","sentiment_score":0.05964882275626316,"num_words":118,"start":557.87,"end":601.755},{"sentences":[{"text":"Anything else?","start":603.175,"end":604.07495,"sentiment":"neutral","sentiment_score":0.177805095911026},{"text":"Any sort of, you know, any any other goals?","start":604.13495,"end":606.935,"sentiment":"neutral","sentiment_score":0.15694010423289406},{"text":"What is it that you wanted to kind of achieve with the $700?","start":606.935,"end":609.89496,"sentiment":"neutral","sentiment_score":0.1517048919430146},{"text":"Where do you have any plans?","start":609.89496,"end":610.855,"sentiment":"neutral","sentiment_score":0.055916321774323784},{"text":"You wanna go traveling?","start":610.855,"end":611.975,"sentiment":"neutral","sentiment_score":0.08003339357674122}],"sentiment":"neutral","sentiment_score":0.1292901832391234,"num_words":34,"start":603.175,"end":611.975},{"sentences":[{"text":"Do you wanna kinda what what what what does retirement look like for you?","start":611.975,"end":616.52997,"sentiment":"neutral","sentiment_score":0.036551348199801784},{"text":"Good.","start":620.11,"end":620.43,"sentiment":"neutral","sentiment_score":0.10201629996299744},{"text":"Well, I beg to differ from you.","start":620.43,"end":621.55,"sentiment":"neutral","sentiment_score":0.07655957979815346},{"text":"You got a 137 k a $134 there, and you're about to qualify for the full pension.","start":621.55,"end":626.58997,"sentiment":"neutral","sentiment_score":0.1885522424298174},{"text":"It's pretty good.","start":626.58997,"end":627.41,"sentiment":"positive","sentiment_score":0.47762735684712726}],"sentiment":"neutral","sentiment_score":0.13780767679037081,"num_words":42,"start":611.975,"end":627.41},{"sentences":[{"text":"You know, some retirements are different to others.","start":628.995,"end":631.235,"sentiment":"neutral","sentiment_score":0.017216798849403858},{"text":"You know, some people want penthouses and super yachts.","start":631.235,"end":633.555,"sentiment":"neutral","sentiment_score":0.04127602424058649},{"text":"Some people wanna live on a shack on the beach and just set up every day.","start":633.555,"end":636.03503,"sentiment":"neutral","sentiment_score":0.08912927052006125},{"text":"So it really depends.","start":636.03503,"end":637.735,"sentiment":"neutral","sentiment_score":0.021424233447760344},{"text":"Yeah.","start":637.955,"end":638.455,"sentiment":"neutral","sentiment_score":0.037979960441589355}],"sentiment":"neutral","sentiment_score":0.05418325872405579,"num_words":38,"start":628.995,"end":638.455},{"sentences":[{"text":"So what does that look like?","start":641.56,"end":642.6,"sentiment":"neutral","sentiment_score":0.022677718351284664},{"text":"What does that look like for you?","start":642.6,"end":643.63995,"sentiment":"neutral","sentiment_score":0.037890729760485034},{"text":"What do you what do you wanna you know, you've got all the time, the Lord.","start":643.63995,"end":646.68,"sentiment":"neutral","sentiment_score":0.17339819227345288},{"text":"You hang the boots up.","start":646.68,"end":647.72,"sentiment":"neutral","sentiment_score":0.23659070134162902},{"text":"You chill 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Absolutely.","start":678.95,"end":685.10504,"sentiment":"neutral","sentiment_score":0.10149002075195312},{"text":"Okay.","start":686.765,"end":687.085,"sentiment":"neutral","sentiment_score":0.0420474149286747},{"text":"Beautiful.","start":687.085,"end":687.585,"sentiment":"positive","sentiment_score":0.41975137591362},{"text":"Mhmm.","start":694.445,"end":694.685,"sentiment":"neutral","sentiment_score":0.0413534939289093}],"sentiment":"neutral","sentiment_score":0.13809485961833307,"num_words":31,"start":672.39,"end":694.685},{"sentences":[{"text":"Yeah.","start":694.685,"end":695.185,"sentiment":"neutral","sentiment_score":0.017374390736222267},{"text":"Yeah.","start":696.045,"end":696.365,"sentiment":"neutral","sentiment_score":-0.008276065811514854},{"text":"No.","start":696.365,"end":696.485,"sentiment":"neutral","sentiment_score":-0.10768064856529236},{"text":"I understand I understand completely.","start":696.485,"end":697.985,"sentiment":"neutral","sentiment_score":-0.22868844866752625},{"text":"Yeah.","start":699.27,"end":699.43005,"sentiment":"neutral","sentiment_score":-0.06293103098869324}],"sentiment":"neutral","sentiment_score":-0.1449950664407677,"num_words":9,"start":694.685,"end":699.43005},{"sentences":[{"text":"No.","start":699.43005,"end":699.93005,"sentiment":"neutral","sentiment_score":-0.1557672768831253},{"text":"Sorry.","start":701.91003,"end":702.23004,"sentiment":"neutral","sentiment_score":-0.12403786182403564},{"text":"Go on.","start":702.23004,"end":702.63,"sentiment":"neutral","sentiment_score":-0.0627348069101572},{"text":"Yeah.","start":702.63,"end":702.87006,"sentiment":"neutral","sentiment_score":0.06514778733253479},{"text":"You've been you've been working your entire life, 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job.","start":712.23004,"end":717.45496,"sentiment":"positive","sentiment_score":0.5686017713126015}],"sentiment":"positive","sentiment_score":0.37514119585485833,"num_words":38,"start":704.95,"end":717.45496},{"sentences":[{"text":"Yep.","start":717.995,"end":718.475,"sentiment":"neutral","sentiment_score":0.12548141181468964},{"text":"So no.","start":718.475,"end":719.75494,"sentiment":"neutral","sentiment_score":-0.01770399697124958},{"text":"That's that's right.","start":719.75494,"end":720.63495,"sentiment":"neutral","sentiment_score":0.06476322934031487},{"text":"That gives me a solid understanding of what you're looking for, and, yeah, I'm fairly sure that we'll be able to, yeah, strategize something, plan something, work it out.","start":720.63495,"end":728.01495,"sentiment":"positive","sentiment_score":0.4845002869079853},{"text":"So thank you for that.","start":728.79,"end":729.91003,"sentiment":"positive","sentiment_score":0.692058265209198}],"sentiment":"positive","sentiment_score":0.4448790688067675,"num_words":40,"start":717.995,"end":729.91003},{"sentences":[{"text":"I will send you through an email regarding our a little bit to just now that I know more about you, like I said, I wanna show you a little bit more about us, fees, and all that stuff, and some of the compliance as well because we are currently more regulated than the pharmaceutical industry in Australia, which is crazy.","start":729.91003,"end":747.96497,"sentiment":"neutral","sentiment_score":0.16850770777854762},{"text":"But that essentially gives me a it'll give me the opportunity to and you the opportunity to make an informed decision, obviously, on whether you wanna proceed or not.","start":748.26495,"end":757.81,"sentiment":"neutral","sentiment_score":0.20487892730482693},{"text":"Okay?","start":757.81,"end":758.31,"sentiment":"neutral","sentiment_score":0.054398778825998306},{"text":"So Yes.","start":758.85,"end":760.14996,"sentiment":"neutral","sentiment_score":0.04208082892000675},{"text":"No.","start":761.17,"end":761.41,"sentiment":"neutral","sentiment_score":-0.03036963939666748}],"sentiment":"neutral","sentiment_score":0.17370904110213545,"num_words":94,"start":729.91003,"end":761.41},{"sentences":[{"text":"You're alright, man.","start":761.41,"end":762.29,"sentiment":"neutral","sentiment_score":0.006194566066066424},{"text":"Alright.","start":762.29,"end":762.79,"sentiment":"neutral","sentiment_score":0.07887839525938034},{"text":"Yep.","start":764.93,"end":765.43,"sentiment":"neutral","sentiment_score":0.0932881236076355},{"text":"Yeah.","start":766.61,"end":766.85,"sentiment":"neutral","sentiment_score":0.0399123951792717},{"text":"Yeah.","start":766.85,"end":767.35,"sentiment":"neutral","sentiment_score":0.06250977516174316}],"sentiment":"neutral","sentiment_score":0.04188176962946143,"num_words":7,"start":761.41,"end":767.35},{"sentences":[{"text":"Yeah.","start":771.545,"end":771.945,"sentiment":"neutral","sentiment_score":0.036644309759140015},{"text":"Yeah.","start":771.945,"end":772.185,"sentiment":"neutral","sentiment_score":0.02953306958079338},{"text":"No.","start":772.185,"end":772.425,"sentiment":"neutral","sentiment_score":0.025647105649113655},{"text":"That's alright.","start":772.425,"end":772.90497,"sentiment":"neutral","sentiment_score":0.06416817381978035},{"text":"That's alright.","start":772.90497,"end":773.46497,"sentiment":"neutral","sentiment_score":0.13214238733053207}],"sentiment":"neutral","sentiment_score":0.06920651532709599,"num_words":7,"start":771.545,"end":773.46497},{"sentences":[{"text":"That's you you're not alone in that department.","start":773.46497,"end":776.185,"sentiment":"neutral","sentiment_score":0.111132743768394},{"text":"I can assure you that.","start":776.185,"end":777.305,"sentiment":"neutral","sentiment_score":0.17507066428661347},{"text":"We've been doing this for a long time and yeah.","start":777.305,"end":779.725,"sentiment":"neutral","sentiment_score":0.14145220220088958},{"text":"This conversation of what do you wanna achieve, it's a it's a question that nobody really asks themselves.","start":779.945,"end":784.045,"sentiment":"neutral","sentiment_score":0.0711270168216692},{"text":"Weird one.","start":784.185,"end":784.925,"sentiment":"neutral","sentiment_score":0.2414868324995041}],"sentiment":"neutral","sentiment_score":0.11493482003205044,"num_words":43,"start":773.46497,"end":784.925},{"sentences":[{"text":"Oh, thank you, mate.","start":791.11005,"end":791.83,"sentiment":"positive","sentiment_score":0.4321546256542206},{"text":"I really appreciate that.","start":791.83,"end":792.87,"sentiment":"positive","sentiment_score":0.5412894636392593},{"text":"Yeah.","start":792.87,"end":793.03,"sentiment":"neutral","sentiment_score":0.11193334311246872},{"text":"He's he's he's he's riding.","start":793.03,"end":795.05005,"sentiment":"neutral","sentiment_score":0.058671686053276065},{"text":"He's taking his bike up north or something at the 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showing you?","start":824.55,"end":830.32996,"sentiment":"neutral","sentiment_score":0.013357009838468261},{"text":"Not just the loud speaker.","start":834.145,"end":835.745,"sentiment":"neutral","sentiment_score":-0.04592261016368866}],"sentiment":"neutral","sentiment_score":-0.00024829039731147617,"num_words":44,"start":821.58997,"end":835.745},{"sentences":[{"text":"You speak you press the speaker button.","start":835.745,"end":838.005,"sentiment":"neutral","sentiment_score":-0.008056440723261662},{"text":"Yep.","start":840.545,"end":841.045,"sentiment":"neutral","sentiment_score":0.033019401133060455},{"text":"Yep.","start":852.72,"end":853.04,"sentiment":"neutral","sentiment_score":0.06114609539508819},{"text":"Yep.","start":853.04,"end":853.19995,"sentiment":"neutral","sentiment_score":0.11205022782087326},{"text":"I'm 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I'm gonna do here is I'm gonna shoot you through a couple of documents, man.","start":876.45,"end":881.17004,"sentiment":"neutral","sentiment_score":0.1689620342324762},{"text":"And one of them is actually inclusive of our digital brochure.","start":881.17004,"end":884.31,"sentiment":"neutral","sentiment_score":0.1358731903813102},{"text":"So that digital brochure will will essentially give you it's it's inter interactive.","start":884.69,"end":890.935,"sentiment":"neutral","sentiment_score":0.19840104648700127},{"text":"So if you tap on certain areas, it'll take you to that area in the website so you can look through some further details.","start":890.935,"end":895.83496,"sentiment":"neutral","sentiment_score":0.1275377351169785},{"text":"But more importantly, I wanna go through the financial services guide as well as go through services guide, give you a little bit more of an understanding of the company itself.","start":896.21497,"end":903.83496,"sentiment":"neutral","sentiment_score":0.09886428052859922}],"sentiment":"neutral","sentiment_score":0.136165329371579,"num_words":96,"start":876.45,"end":903.83496},{"sentences":[{"text":"And I've just sent that through, so you should be receiving that shortly in whenever it's finished going through the up there in the ether web, the cloud, however that works.","start":904.75,"end":915.73,"sentiment":"neutral","sentiment_score":0.12357006197975527},{"text":"Yeah.","start":916.27,"end":916.43,"sentiment":"neutral","sentiment_score":0.03891697898507118},{"text":"Somewhere up there.","start":916.43,"end":917.07,"sentiment":"neutral","sentiment_score":0.021485203877091408},{"text":"But, yeah, let me know when you've received it.","start":917.07,"end":918.83,"sentiment":"neutral","sentiment_score":0.031386332793368235},{"text":"Maybe give your maybe give your email a little 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Financial.","start":947.46,"end":955.645,"sentiment":"neutral","sentiment_score":0.06924748588353395},{"text":"Okay.","start":975.07,"end":975.57,"sentiment":"neutral","sentiment_score":-0.10724137723445892}],"sentiment":"neutral","sentiment_score":0.061510068364441395,"num_words":28,"start":941.54004,"end":975.57},{"sentences":[{"text":"If you it's a PDF.","start":976.02997,"end":979.17,"sentiment":"neutral","sentiment_score":-0.09589163213968277},{"text":"So is there any way that you can maybe is it on the bottom of your email, or you should be able to see attachment.","start":979.52496,"end":985.545,"sentiment":"neutral","sentiment_score":-0.04541644342243671},{"text":"Yeah?","start":985.605,"end":986.105,"sentiment":"neutral","sentiment_score":-0.022572971880435944},{"text":"Do you need to sign in to your actual 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believe.","start":1219.45,"end":1222.2699,"sentiment":"neutral","sentiment_score":0.1783682145178318}],"sentiment":"neutral","sentiment_score":0.13200064910910067,"num_words":39,"start":1208.73,"end":1222.2699},{"sentences":[{"text":"What is your date of birth?","start":1222.755,"end":1224.055,"sentiment":"neutral","sentiment_score":0.01840293329829971},{"text":"Of the sixth nineteen sixty.","start":1227.875,"end":1229.735,"sentiment":"neutral","sentiment_score":0.017351346276700496},{"text":"Beautiful.","start":1229.875,"end":1230.375,"sentiment":"neutral","sentiment_score":0.23222936689853668},{"text":"And you know this day and age, you never know, but I have to ask a question.","start":1230.675,"end":1233.635,"sentiment":"neutral","sentiment_score":0.012855271644452038},{"text":"I am assuming you're a male.","start":1233.635,"end":1235.255,"sentiment":"neutral","sentiment_score":-0.004262696408356229}],"sentiment":"neutral","sentiment_score":0.017781918216496707,"num_words":35,"start":1222.755,"end":1235.255},{"sentences":[{"text":"Beautiful.","start":1237.0499,"end":1237.53,"sentiment":"neutral","sentiment_score":0.24592462182044983},{"text":"Marital status.","start":1237.53,"end":1238.33,"sentiment":"neutral","sentiment_score":0.10990247875452042},{"text":"You said single, lady, friend, all good.","start":1238.33,"end":1240.67,"sentiment":"neutral","sentiment_score":0.16557499659912928},{"text":"Mate, that is all good.","start":1240.89,"end":1243.21,"sentiment":"neutral","sentiment_score":0.24331251084804534},{"text":"What I'm gonna do is walk you through what's called a it's it's essentially a risk profile questionnaire.","start":1243.21,"end":1249.45,"sentiment":"neutral","sentiment_score":0.018825659114453528}],"sentiment":"neutral","sentiment_score":0.096369059812842,"num_words":33,"start":1237.0499,"end":1249.45},{"sentences":[{"text":"Because in understanding that if we were to look at a way to get your superannuation working to a better position to achieve your goals and objectives, I need to make sure that we invested appropriately in line with your tolerance and capacity for risk.","start":1249.45,"end":1261.6849,"sentiment":"neutral","sentiment_score":0.029572751745581626},{"text":"Right?","start":1261.825,"end":1262.225,"sentiment":"neutral","sentiment_score":0.007363142445683479},{"text":"So when we talk about this, it's taking we call risk on, risk off.","start":1262.225,"end":1266.18,"sentiment":"neutral","sentiment_score":-0.021783745182412013},{"text":"Some of these questions are kind of stupid, but they are made up by the federal government, not us, and the ASIC, the Australian Securities Investment Commission.","start":1266.42,"end":1274.4401,"sentiment":"neutral","sentiment_score":-0.051794565179281764},{"text":"So I'll run you through a few of them, and then we'll get to the end.","start":1274.5,"end":1277.54,"sentiment":"neutral","sentiment_score":0.028323931386694312}],"sentiment":"neutral","sentiment_score":0.0008533415610639794,"num_words":103,"start":1249.45,"end":1277.54},{"sentences":[{"text":"I'll give you a risk profile score, and then I'll determine what I believe if you are appropriately invested, by the way you answer these questions, or not.","start":1277.54,"end":1286.265,"sentiment":"neutral","sentiment_score":0.03476865982104625},{"text":"So first one, how would you rate your willingness to take financial risk?","start":1286.485,"end":1290.805,"sentiment":"neutral","sentiment_score":0.010908181349245401},{"text":"Would you say that you're one, a very high risk taker, two, a high risk taker, three, an average risk taker, or four, low risk taker?","start":1290.805,"end":1296.6,"sentiment":"neutral","sentiment_score":-0.003799898098804988},{"text":"Four, low risk taker.","start":1299.64,"end":1300.6,"sentiment":"neutral","sentiment_score":0.03845236776396632},{"text":"Beautiful.","start":1300.6,"end":1301.1,"sentiment":"positive","sentiment_score":0.4805496335029602}],"sentiment":"neutral","sentiment_score":0.022929035923880292,"num_words":72,"start":1277.54,"end":1301.1},{"sentences":[{"text":"Alright.","start":1302.0399,"end":1302.5399,"sentiment":"neutral","sentiment_score":0.22505617141723633},{"text":"Now how familiar are you with investment markets?","start":1302.6,"end":1304.6799,"sentiment":"neutral","sentiment_score":0.06866708071902394},{"text":"Would you say that you're comfortable with investment knowledge?","start":1304.6799,"end":1306.76,"sentiment":"neutral","sentiment_score":0.046167837662829295},{"text":"Would you say that you're aware that investments fluctuate?","start":1306.76,"end":1309.1,"sentiment":"neutral","sentiment_score":0.021908119113908872},{"text":"Or would you say that you got a very basic understanding?","start":1309.215,"end":1311.5549,"sentiment":"neutral","sentiment_score":0.014892391860485077}],"sentiment":"neutral","sentiment_score":0.04081296680593177,"num_words":38,"start":1302.0399,"end":1311.5549},{"sentences":[{"text":"Understood.","start":1314.4149,"end":1314.9149,"sentiment":"neutral","sentiment_score":-0.07090505957603455},{"text":"And what is the most aggressive investment you've ever made?","start":1315.5349,"end":1318.975,"sentiment":"neutral","sentiment_score":-0.019986021611839534},{"text":"Have you ever bought direct shares?","start":1318.975,"end":1320.595,"sentiment":"neutral","sentiment_score":-0.009129021782428026},{"text":"No?","start":1322.895,"end":1323.215,"sentiment":"neutral","sentiment_score":-0.08235412836074829},{"text":"Okay.","start":1323.215,"end":1323.715,"sentiment":"neutral","sentiment_score":-0.004056647419929504}],"sentiment":"neutral","sentiment_score":-0.021681588535246096,"num_words":19,"start":1314.4149,"end":1323.715},{"sentences":[{"text":"No.","start":1326.71,"end":1326.87,"sentiment":"neutral","sentiment_score":-0.0005989931523799896},{"text":"That's fair enough.","start":1326.87,"end":1327.6699,"sentiment":"neutral","sentiment_score":0.1691795438528061},{"text":"It's a good purchase.","start":1327.6699,"end":1328.6499,"sentiment":"positive","sentiment_score":0.49250710755586624},{"text":"Positive.","start":1329.4299,"end":1329.9299,"sentiment":"positive","sentiment_score":0.40929561853408813},{"text":"Okay.","start":1330.5499,"end":1330.95,"sentiment":"neutral","sentiment_score":0.29183074831962585}],"sentiment":"neutral","sentiment_score":0.31780944354832175,"num_words":10,"start":1326.71,"end":1330.95},{"sentences":[{"text":"That's all good.","start":1330.95,"end":1331.59,"sentiment":"positive","sentiment_score":0.3921995460987091},{"text":"Now the next question is gonna do with volatility.","start":1331.59,"end":1333.77,"sentiment":"neutral","sentiment_score":-0.057417316569222346},{"text":"So volatility is obviously the fluctuation of your superannuation funds or any investment that goes up, goes down.","start":1334.23,"end":1339.4299,"sentiment":"neutral","sentiment_score":-0.15732461834947267},{"text":"It's the nature of the beast.","start":1339.4299,"end":1340.6499,"sentiment":"neutral","sentiment_score":-0.2074959526459376},{"text":"So investments can go both up and down in value.","start":1340.925,"end":1343.805,"sentiment":"neutral","sentiment_score":-0.24080004245042802}],"sentiment":"neutral","sentiment_score":-0.1266299235108106,"num_words":46,"start":1330.95,"end":1343.805},{"sentences":[{"text":"That's essentially volatility.","start":1343.805,"end":1345.185,"sentiment":"neutral","sentiment_score":-0.17109360794226328},{"text":"How much could your investment drop in value over the next twelve months before you start feeling concerned and anxious?","start":1345.405,"end":1353.185,"sentiment":"neutral","sentiment_score":-0.29389054626226424},{"text":"K?","start":1353.9651,"end":1354.2051,"sentiment":"neutral","sentiment_score":-0.14621686935424805},{"text":"So if you invest your super with us, let's say, had we invested in something or a whole bunch of things, and it how much could it fall by in twelve months before you start feeling concerned and anxious?","start":1354.2051,"end":1364.8201,"sentiment":"neutral","sentiment_score":-0.11007932898325798},{"text":"One, more than 50%.","start":1364.8201,"end":1366.42,"sentiment":"neutral","sentiment_score":-0.0802504476159811}],"sentiment":"neutral","sentiment_score":-0.16643886924234788,"num_words":67,"start":1343.805,"end":1366.42},{"sentences":[{"text":"Two, up to 50%.","start":1366.42,"end":1367.9401,"sentiment":"neutral","sentiment_score":-0.02323353267274797},{"text":"Three, up to 25%.","start":1367.9401,"end":1369.56,"sentiment":"neutral","sentiment_score":-0.012626042356714606},{"text":"Four up to 10%, five up to 5%.","start":1369.7749,"end":1372.5149,"sentiment":"neutral","sentiment_score":-0.011057771043851972},{"text":"25%.","start":1375.9349,"end":1376.8949,"sentiment":"neutral","sentiment_score":0.007758677005767822},{"text":"Beautiful.","start":1376.8949,"end":1377.3949,"sentiment":"neutral","sentiment_score":0.16665315628051758}],"sentiment":"neutral","sentiment_score":-0.003193813065687815,"num_words":18,"start":1366.42,"end":1377.3949},{"sentences":[{"text":"Maybe now after six months, you find that your portfolio has decreased to 20 per decreased by 20%.","start":1379.5349,"end":1385.22,"sentiment":"neutral","sentiment_score":-0.2251968193385336},{"text":"So you had a $100, now you got 80.","start":1385.22,"end":1387.1599,"sentiment":"neutral","sentiment_score":-0.11246613081958559},{"text":"Would you, one, invest heavily to expect future growth?","start":1387.38,"end":1390.84,"sentiment":"neutral","sentiment_score":0.031981251306003995},{"text":"Would you, two, invest a little bit to hopefully dollar cost average and get get a little bit back in return in the recovery?","start":1390.9,"end":1396.36,"sentiment":"neutral","sentiment_score":0.04482241910106192},{"text":"Would you, three, hold and waste improvements after speaking to a financial professional?","start":1396.565,"end":1400.985,"sentiment":"neutral","sentiment_score":-0.10154998245147559}],"sentiment":"neutral","sentiment_score":-0.06879888187889775,"num_words":73,"start":1379.5349,"end":1400.985},{"sentences":[{"text":"Or four, you'll tell me to get stuffed and you'd sell everything to cash?","start":1401.045,"end":1404.4249,"sentiment":"neutral","sentiment_score":-0.14245830848813057},{"text":"So beautiful.","start":1408.485,"end":1409.385,"sentiment":"positive","sentiment_score":0.3433251678943634},{"text":"And have you ever had investments including superannuation of a drop in value?","start":1410.0599,"end":1415.1,"sentiment":"neutral","sentiment_score":-0.03494841576768802},{"text":"And if so, how did it make you feel?","start":1415.1,"end":1418.08,"sentiment":"neutral","sentiment_score":-0.013056551209754415},{"text":"Were you optimistic about the future?","start":1418.2999,"end":1420.46,"sentiment":"neutral","sentiment_score":-0.03945431609948476}],"sentiment":"neutral","sentiment_score":-0.04809841467067599,"num_words":44,"start":1401.045,"end":1420.46},{"sentences":[{"text":"Were you cautious in not making any more investments, or were you extremely concerned?","start":1420.46,"end":1424.5599,"sentiment":"neutral","sentiment_score":-0.2964923179575375},{"text":"Okay.","start":1428.2051,"end":1428.605,"sentiment":"neutral","sentiment_score":-0.008384905755519867},{"text":"Beautiful.","start":1428.605,"end":1429.105,"sentiment":"positive","sentiment_score":0.44028934836387634},{"text":"Beautiful.","start":1429.9651,"end":1430.4651,"sentiment":"positive","sentiment_score":0.4701035022735596},{"text":"Beautiful.","start":1434.685,"end":1435.005,"sentiment":"positive","sentiment_score":0.4297608733177185}],"sentiment":"neutral","sentiment_score":-0.15661797962254947,"num_words":18,"start":1420.46,"end":1435.005},{"sentences":[{"text":"Okay.","start":1435.005,"end":1435.3251,"sentiment":"neutral","sentiment_score":0.14609646797180176},{"text":"I'm just doing the compliance points over here, mate.","start":1435.3251,"end":1437.885,"sentiment":"neutral","sentiment_score":0.10371579064263238},{"text":"Give me a second.","start":1437.885,"end":1438.785,"sentiment":"neutral","sentiment_score":0.020976084284484386},{"text":"Alright.","start":1438.925,"end":1439.425,"sentiment":"neutral","sentiment_score":0.04356726258993149},{"text":"There we go.","start":1440.9801,"end":1441.62,"sentiment":"neutral","sentiment_score":0.03912216300765673}],"sentiment":"neutral","sentiment_score":0.07357648180590735,"num_words":18,"start":1435.005,"end":1441.62},{"sentences":[{"text":"There we go.","start":1441.62,"end":1442.4401,"sentiment":"neutral","sentiment_score":0.024663657570878666},{"text":"Alright.","start":1443.7001,"end":1444.1001,"sentiment":"neutral","sentiment_score":0.03301563858985901},{"text":"Once the investments have been placed in force, how long would you need to access in your capital?","start":1444.1001,"end":1448.1001,"sentiment":"neutral","sentiment_score":-0.008101020577467151},{"text":"I'm gonna say you're gonna be kicking for another ten years or so, if not more.","start":1448.1001,"end":1452.04,"sentiment":"neutral","sentiment_score":-0.0673765572719276},{"text":"Would you agree?","start":1452.1001,"end":1453.0,"sentiment":"neutral","sentiment_score":0.01905420112113158}],"sentiment":"neutral","sentiment_score":-0.025845709075106353,"num_words":41,"start":1441.62,"end":1453.0},{"sentences":[{"text":"Beautiful.","start":1455.1649,"end":1455.645,"sentiment":"neutral","sentiment_score":0.3137822449207306},{"text":"And how much risk are you willing to take to get the return you want?","start":1455.645,"end":1459.485,"sentiment":"neutral","sentiment_score":0.084771516174078},{"text":"Do you want maximum returns regardless of risk?","start":1459.485,"end":1461.8049,"sentiment":"neutral","sentiment_score":0.047239535953849554},{"text":"You want moderate risk with good returns?","start":1461.8049,"end":1463.885,"sentiment":"neutral","sentiment_score":0.060438212539468496},{"text":"Or do you want safety first and put everything in cash and essentially have inflation either way at your savings?","start":1463.885,"end":1469.19,"sentiment":"neutral","sentiment_score":0.019019766710698605}],"sentiment":"neutral","sentiment_score":0.054249688179469575,"num_words":51,"start":1455.1649,"end":1469.19},{"sentences":[{"text":"Alright.","start":1471.6699,"end":1472.1699,"sentiment":"neutral","sentiment_score":0.079602912068367},{"text":"Okay.","start":1472.3099,"end":1472.8099,"sentiment":"neutral","sentiment_score":0.09409821778535844},{"text":"Well, safety first.","start":1473.5099,"end":1474.5499,"sentiment":"neutral","sentiment_score":0.13582991063594818},{"text":"Cool.","start":1474.5499,"end":1475.0499,"sentiment":"positive","sentiment_score":0.39704668521881104},{"text":"Amazing.","start":1476.3899,"end":1476.8899,"sentiment":"positive","sentiment_score":0.42837631702423096}],"sentiment":"neutral","sentiment_score":0.20094483771494456,"num_words":7,"start":1471.6699,"end":1476.8899},{"sentences":[{"text":"There we go.","start":1477.4299,"end":1478.49,"sentiment":"neutral","sentiment_score":0.22183669110139212},{"text":"So now have you ever thought about taking out a loan to invest?","start":1478.7899,"end":1482.945,"sentiment":"neutral","sentiment_score":0.03486554152690447},{"text":"So one, you have borrowed or open to borrowing for stocks and funds.","start":1483.4249,"end":1487.125,"sentiment":"neutral","sentiment_score":0.0024182602333334777},{"text":"Two, have borrowed or open to borrowing for an investment property, but only investment property, not shares.","start":1487.505,"end":1493.0449,"sentiment":"neutral","sentiment_score":0.000621146084192921},{"text":"Or five, you would only consider borrowing for your own home.","start":1493.105,"end":1495.98,"sentiment":"neutral","sentiment_score":-0.022667122835462742}],"sentiment":"neutral","sentiment_score":0.015989835586464198,"num_words":57,"start":1477.4299,"end":1495.98},{"sentences":[{"text":"Okay.","start":1500.0599,"end":1500.5599,"sentiment":"neutral","sentiment_score":0.02865426242351532},{"text":"Good.","start":1501.74,"end":1502.0599,"sentiment":"neutral","sentiment_score":0.10883218050003052},{"text":"No.","start":1502.0599,"end":1502.2999,"sentiment":"neutral","sentiment_score":-0.12656687200069427},{"text":"That's that's no.","start":1502.2999,"end":1503.1799,"sentiment":"neutral","sentiment_score":-0.19180846710999808},{"text":"That's a good answer.","start":1503.1799,"end":1504.22,"sentiment":"neutral","sentiment_score":0.09892845619469881}],"sentiment":"neutral","sentiment_score":-0.01687920056283474,"num_words":10,"start":1500.0599,"end":1504.22},{"sentences":[{"text":"Beautiful.","start":1504.22,"end":1504.72,"sentiment":"neutral","sentiment_score":0.3307719826698303},{"text":"And based on the way that you answered that last question, how would taking out a loan to invest make you feel?","start":1504.78,"end":1510.755,"sentiment":"neutral","sentiment_score":0.07682046040215275},{"text":"Would you say that you're worried about borrowing due to the significant risks?","start":1510.915,"end":1514.115,"sentiment":"neutral","sentiment_score":-0.1372987381540812},{"text":"You say you're hesitant and you're wary of the risks?","start":1514.115,"end":1516.115,"sentiment":"neutral","sentiment_score":-0.18255937099456787},{"text":"Or you said that you're comfortable with borrowing for all investments because you just wanna make great return?","start":1516.115,"end":1520.215,"sentiment":"neutral","sentiment_score":0.19659041737516722}],"sentiment":"neutral","sentiment_score":0.030452692473772913,"num_words":64,"start":1504.22,"end":1520.215},{"sentences":[{"text":"All investments, great return.","start":1524.96,"end":1526.6599,"sentiment":"positive","sentiment_score":0.6359764039516449},{"text":"Okay.","start":1527.9199,"end":1528.4199,"sentiment":"neutral","sentiment_score":0.2297620326280594},{"text":"Not a problem.","start":1528.5599,"end":1529.2999,"sentiment":"neutral","sentiment_score":0.2114267647266388},{"text":"But you said in the previous question that you said you'd only borrow for for a home.","start":1531.2,"end":1537.6,"sentiment":"neutral","sentiment_score":0.05370847749359468},{"text":"Right?","start":1537.6,"end":1538.1,"sentiment":"neutral","sentiment_score":0.03315814584493637}],"sentiment":"neutral","sentiment_score":0.1674673156096385,"num_words":26,"start":1524.96,"end":1538.1},{"sentences":[{"text":"So I might I might put you down as you're somewhat comfortable, but you are cautious you're a little bit cautious, but you're comfortable to do it.","start":1538.195,"end":1544.995,"sentiment":"neutral","sentiment_score":0.008912673702946416},{"text":"Yes?","start":1544.995,"end":1545.495,"sentiment":"neutral","sentiment_score":0.06055884808301926},{"text":"Beautiful.","start":1545.955,"end":1546.455,"sentiment":"positive","sentiment_score":0.4505263566970825},{"text":"Beautiful.","start":1547.5549,"end":1548.035,"sentiment":"positive","sentiment_score":0.4531365931034088},{"text":"Now, mate, you have come out as a 39.","start":1548.035,"end":1550.4349,"sentiment":"positive","sentiment_score":0.34918711251682705}],"sentiment":"neutral","sentiment_score":0.11147558975678223,"num_words":39,"start":1538.195,"end":1550.4349},{"sentences":[{"text":"That means that you are a balanced growth investor.","start":1550.4349,"end":1553.01,"sentiment":"positive","sentiment_score":0.4014563692940606},{"text":"Man, I think that is absolutely perfect for your agent stage in life.","start":1553.15,"end":1556.77,"sentiment":"positive","sentiment_score":0.6214844355216393},{"text":"What that means is you're gonna take about 60% or 50 to 60% exposure to direct shares because currently, your superannuation I'll have a look at what your AOT is invested in.","start":1556.83,"end":1567.41,"sentiment":"neutral","sentiment_score":0.19885581405833364},{"text":"It's probably a lot more aggressive than that.","start":1567.9349,"end":1569.375,"sentiment":"neutral","sentiment_score":0.17176705040037632},{"text":"It's probably taking about 80% exposure to shares.","start":1569.375,"end":1571.7949,"sentiment":"neutral","sentiment_score":0.10624987771734595}],"sentiment":"neutral","sentiment_score":0.28971323514623304,"num_words":70,"start":1550.4349,"end":1571.7949},{"sentences":[{"text":"But right now, if the market were to crash, we wanna try and limit the amount of exposure you have to those markets and increase the exposure of defensive assets like bonds and fixed interest and cash and thing commodities, gold, things like that to get the return so that you won't be affected in the events of some sort of GFC two point o or something.","start":1572.095,"end":1590.7599,"sentiment":"neutral","sentiment_score":0.14273439853716252},{"text":"Right?","start":1590.7599,"end":1591.2599,"sentiment":"neutral","sentiment_score":0.13843435049057007},{"text":"So what we wanna do ultimately is try and get you the greater return, but at the same time, reduce the level of exposure and risk you're taking to get that.","start":1591.5599,"end":1599.845,"sentiment":"neutral","sentiment_score":0.22053120261238468},{"text":"Okay?","start":1599.905,"end":1600.305,"sentiment":"neutral","sentiment_score":0.09915057569742204},{"text":"So where my and if you agree with them, you're happy with that, what I'd like to do is I'll prepare a strategy based on a return from a superannuation management point of view to, yeah, to pretty much ensure that you you will be invested in a manner that's not only protecting your assets that you've built over time, but will still be getting you an an adequate return to try and be able to sustain your lifestyle out of $700 a week on top of your pension.","start":1600.305,"end":1628.055,"sentiment":"neutral","sentiment_score":0.2883112075623502}],"sentiment":"neutral","sentiment_score":0.22379340942968767,"num_words":189,"start":1572.095,"end":1628.055},{"sentences":[{"text":"Okay?","start":1628.375,"end":1628.875,"sentiment":"neutral","sentiment_score":0.12170958518981934},{"text":"Beautiful.","start":1629.9751,"end":1630.4751,"sentiment":"positive","sentiment_score":0.38452306389808655},{"text":"And I'll show you what that looks like in our projections.","start":1630.6151,"end":1632.875,"sentiment":"neutral","sentiment_score":0.2286398153413426},{"text":"Now did you manage to get the the documents up?","start":1633.0951,"end":1636.055,"sentiment":"neutral","sentiment_score":0.09330073781311513},{"text":"Did you manage to log in to your your PDFs or your emails?","start":1636.055,"end":1640.795,"sentiment":"neutral","sentiment_score":-0.06607543304562569}],"sentiment":"neutral","sentiment_score":0.08598048239946365,"num_words":36,"start":1628.375,"end":1640.795},{"sentences":[{"text":"That's annoying.","start":1644.1101,"end":1645.01,"sentiment":"negative","sentiment_score":-0.7763290703296661},{"text":"Yeah.","start":1647.55,"end":1647.79,"sentiment":"neutral","sentiment_score":-0.16565945744514465},{"text":"I can hear that.","start":1647.79,"end":1648.75,"sentiment":"neutral","sentiment_score":-0.17187562212347984},{"text":"No.","start":1648.75,"end":1648.99,"sentiment":"neutral","sentiment_score":-0.23007652163505551},{"text":"That's okay.","start":1648.99,"end":1649.55,"sentiment":"neutral","sentiment_score":-0.1410779021680355}],"sentiment":"neutral","sentiment_score":-0.2918052412569523,"num_words":10,"start":1644.1101,"end":1649.55},{"sentences":[{"text":"That's alright.","start":1649.55,"end":1650.29,"sentiment":"neutral","sentiment_score":0.10404834896326065},{"text":"So what I might do is just walk you through it.","start":1650.3501,"end":1653.9501,"sentiment":"neutral","sentiment_score":0.1413322693922303},{"text":"You've got it.","start":1653.9501,"end":1654.5901,"sentiment":"neutral","sentiment_score":0.11734912544488907},{"text":"It's also linked to the calendar invite if you wanted to open that up, maybe try and give that a crack.","start":1654.5901,"end":1660.0549,"sentiment":"neutral","sentiment_score":-0.0369219027814411},{"text":"Did you do you have Google Mail, or do you have your do you remember the calendar invite that I sent to you?","start":1661.1549,"end":1666.5349,"sentiment":"neutral","sentiment_score":0.003013836503352808}],"sentiment":"neutral","sentiment_score":0.023479288645709553,"num_words":60,"start":1649.55,"end":1666.5349},{"sentences":[{"text":"If not if not yeah.","start":1669.8201,"end":1671.3401,"sentiment":"neutral","sentiment_score":-0.0982872024178505},{"text":"If not, it's okay.","start":1671.3401,"end":1672.22,"sentiment":"neutral","sentiment_score":-0.01800588081823662},{"text":"I can just walk you through the fees and the process if you like.","start":1672.22,"end":1675.12,"sentiment":"neutral","sentiment_score":0.11416254857821125},{"text":"Beautiful.","start":1677.8201,"end":1678.3201,"sentiment":"positive","sentiment_score":0.3919166326522827},{"text":"It should be under Oakview Financial somewhere.","start":1683.085,"end":1685.345,"sentiment":"neutral","sentiment_score":0.11301606254918235}],"sentiment":"neutral","sentiment_score":0.0715433940396554,"num_words":31,"start":1669.8201,"end":1685.345},{"sentences":[{"text":"No.","start":1695.76,"end":1696.16,"sentiment":"neutral","sentiment_score":-0.28748685121536255},{"text":"No.","start":1696.16,"end":1696.66,"sentiment":"neutral","sentiment_score":-0.27337712049484253},{"text":"Technology is amazing when it works, but when it doesn't, it's an iPad.","start":1696.8,"end":1699.94,"sentiment":"neutral","sentiment_score":-0.07302288567790619},{"text":"Yep.","start":1700.08,"end":1700.48,"sentiment":"neutral","sentiment_score":0.07376573979854584},{"text":"I completely agree and understand.","start":1700.48,"end":1702.18,"sentiment":"neutral","sentiment_score":0.19187653064727783}],"sentiment":"neutral","sentiment_score":-0.02271490916609764,"num_words":21,"start":1695.76,"end":1702.18},{"sentences":[{"text":"Alright.","start":1705.92,"end":1706.24,"sentiment":"neutral","sentiment_score":0.09323552250862122},{"text":"Well, either way, while you're trying to do it, I can I can give you a bit of a little bit of a lay down?","start":1706.24,"end":1710.48,"sentiment":"neutral","sentiment_score":0.023544116069679148},{"text":"So we, as Oaktree Financial, we run our own Australian financial services license.","start":1710.48,"end":1715.055,"sentiment":"neutral","sentiment_score":0.10339606610628274},{"text":"What that means is we've got the same license as the big banks and insurance companies, things like that.","start":1715.675,"end":1721.055,"sentiment":"neutral","sentiment_score":0.09257400075071737},{"text":"And that number is 513068.","start":1722.155,"end":1724.3151,"sentiment":"neutral","sentiment_score":0.07516747415065765}],"sentiment":"neutral","sentiment_score":0.0660433439468126,"num_words":63,"start":1705.92,"end":1724.3151},{"sentences":[{"text":"You can search this up on Nasdaq registered or my name.","start":1724.3151,"end":1727.0801,"sentiment":"neutral","sentiment_score":0.09858797829259526},{"text":"You can look it all up.","start":1727.0801,"end":1728.46,"sentiment":"neutral","sentiment_score":0.13710555682579675},{"text":"You what that means essentially is that we can give advice on financial products and strategies across anything we like.","start":1729.48,"end":1736.12,"sentiment":"neutral","sentiment_score":0.21205082349479198},{"text":"We've got no one above us kinda directing what we do.","start":1736.12,"end":1739.835,"sentiment":"neutral","sentiment_score":0.11211074346845801},{"text":"It's a very free license.","start":1739.995,"end":1741.375,"sentiment":"neutral","sentiment_score":0.24742889702320098}],"sentiment":"neutral","sentiment_score":0.16261283462902285,"num_words":53,"start":1724.3151,"end":1741.375},{"sentences":[{"text":"And I guess the whole reason why we started the company so my business partner, his wife, and I started this company in a garage in Pimpama in hundreds of thousands of dollars worth of debt from an angel investor with no clients and a dream, I guess.","start":1742.5549,"end":1754.335,"sentiment":"neutral","sentiment_score":0.0138373546457539},{"text":"And didn't know didn't have any idea how this was gonna end up, but we did it anyway.","start":1754.955,"end":1760.4401,"sentiment":"neutral","sentiment_score":-0.041543998238113194},{"text":"And now we got about 43 employees and, you know, somehow it works pretty pretty pretty crazy sometimes walking into that office.","start":1760.66,"end":1767.64,"sentiment":"neutral","sentiment_score":0.024220660667527805},{"text":"But, yeah, somehow we did it.","start":1767.78,"end":1770.18,"sentiment":"neutral","sentiment_score":0.23619030912717184},{"text":"So thank the lord for that.","start":1770.18,"end":1771.755,"sentiment":"positive","sentiment_score":0.6397320230801901}],"sentiment":"neutral","sentiment_score":0.057047895826399325,"num_words":100,"start":1742.5549,"end":1771.755},{"sentences":[{"text":"But, yeah, look, to to give you an idea of where we started and where we are now, we started it with the vision of being the most trusted financial planning firm in Australia.","start":1772.155,"end":1781.215,"sentiment":"positive","sentiment_score":0.4868118250194718},{"text":"Now to build trust, we gotta build rapport with our clients.","start":1781.755,"end":1785.195,"sentiment":"positive","sentiment_score":0.5740672756325115},{"text":"We gotta, you know, make sure that we we are doing everything in our capabilities in line with our core values and our clients to make sure that we're achieving their goals, financial goals, support, and objectives for retirement.","start":1785.195,"end":1796.06,"sentiment":"positive","sentiment_score":0.5712630603557978},{"text":"Right?","start":1796.06,"end":1796.56,"sentiment":"neutral","sentiment_score":0.28984031081199646},{"text":"That's why I wanted to determine what that look like for you.","start":1797.18,"end":1800.345,"sentiment":"neutral","sentiment_score":0.32801436881224316}],"sentiment":"positive","sentiment_score":0.5089857131242752,"num_words":97,"start":1772.155,"end":1800.345},{"sentences":[{"text":"So in order to build that trust, we wanted to essentially work out one one of fee structure to be able to maintain conversations instead of having to pay every time.","start":1801.225,"end":1811.725,"sentiment":"positive","sentiment_score":0.3427745190358931},{"text":"And secondly, to be the most trusted, we've got to yeah.","start":1811.945,"end":1816.105,"sentiment":"positive","sentiment_score":0.4490700526670976},{"text":"We wanted to do that by upholding our mission, which is to provide long term holistic strategies to couples, families, and individuals like yourself.","start":1816.105,"end":1824.74,"sentiment":"positive","sentiment_score":0.5364658360679945},{"text":"So, yep, you are perfectly within our target market determination.","start":1824.96,"end":1828.0199,"sentiment":"positive","sentiment_score":0.5073561787605285},{"text":"And, yep, I guess from from there, we wanted to it was during the Hayden Royal Commission when we started it into banking and finance, and maybe there are a lot of people doing the wrong thing.","start":1828.3999,"end":1838.365,"sentiment":"neutral","sentiment_score":-0.09799906691989384}],"sentiment":"neutral","sentiment_score":0.2645005048376269,"num_words":113,"start":1801.225,"end":1838.365},{"sentences":[{"text":"But there's a few of us that are trying to do the right thing, and that's why we started the company.","start":1838.365,"end":1841.985,"sentiment":"neutral","sentiment_score":-0.09332602258239474},{"text":"So, usually, how it works is boutique firms like ourselves.","start":1844.15,"end":1847.4501,"sentiment":"neutral","sentiment_score":0.031349951028823854},{"text":"They work underneath a license, an AFSL, which looks like they it's called a corporate authorized representative.","start":1848.15,"end":1854.73,"sentiment":"neutral","sentiment_score":0.023376907002838218},{"text":"So they work with a company that's licensed by, say, CommBank.","start":1855.065,"end":1857.965,"sentiment":"neutral","sentiment_score":-0.011979365721344948},{"text":"There's one of CBA's, one of them.","start":1858.4249,"end":1860.2849,"sentiment":"neutral","sentiment_score":-0.04638993473989623}],"sentiment":"neutral","sentiment_score":-0.025840031984967714,"num_words":66,"start":1838.365,"end":1860.2849},{"sentences":[{"text":"So if I'm working I'm I'm licensed under CommBank, I wouldn't be, like, likely to recommend Westpac products.","start":1860.5049,"end":1866.345,"sentiment":"negative","sentiment_score":-0.3595568529433674},{"text":"Right?","start":1866.345,"end":1866.845,"sentiment":"neutral","sentiment_score":-0.219049870967865},{"text":"Not because it's in the best interest of the clients, but because it's in the best interest of my principal and because they get comms and they get no commission.","start":1867.2799,"end":1874.0,"sentiment":"positive","sentiment_score":0.37382473722100257},{"text":"They get paid on all their products.","start":1874.0,"end":1875.44,"sentiment":"neutral","sentiment_score":0.28785269175257},{"text":"Right?","start":1875.44,"end":1875.6799,"sentiment":"neutral","sentiment_score":-0.0323135107755661}],"sentiment":"neutral","sentiment_score":0.11414603902059689,"num_words":57,"start":1860.5049,"end":1875.6799},{"sentences":[{"text":"Not Westpac.","start":1875.6799,"end":1876.34,"sentiment":"negative","sentiment_score":-0.43959014117717743},{"text":"So that's a direct conflict to me.","start":1876.88,"end":1878.88,"sentiment":"negative","sentiment_score":-0.6540832008634295},{"text":"If you're a product maker, I don't believe you should be a product provider, like a product recommender because you're gonna recommend your own products, obviously.","start":1878.88,"end":1886.4551,"sentiment":"negative","sentiment_score":-0.3472723490916766},{"text":"So to be able to be you know what I mean?","start":1886.8351,"end":1889.155,"sentiment":"neutral","sentiment_score":0.025105903771790592},{"text":"So if if if Westpac's product for you, for instance, is a better product for you, it's cheaper in every way, it's better.","start":1889.155,"end":1895.5751,"sentiment":"neutral","sentiment_score":0.12784567734469537}],"sentiment":"neutral","sentiment_score":-0.16333664122267047,"num_words":69,"start":1875.6799,"end":1895.5751},{"sentences":[{"text":"But I'm only restricted to recommend what my principal tells me to, then, you know, it's not looking after your best interest, is it?","start":1895.85,"end":1903.77,"sentiment":"neutral","sentiment_score":-0.10892429823676746},{"text":"It's looking after theirs.","start":1903.77,"end":1905.15,"sentiment":"neutral","sentiment_score":-0.15221227332949638},{"text":"So in order to get around that, we needed to apply for our own AFSL and be able to, yeah, be be in a position to be able to recommend any product on the market, whatever we wanted for our clients.","start":1905.29,"end":1916.575,"sentiment":"neutral","sentiment_score":0.10221005285658487},{"text":"And we got it.","start":1916.635,"end":1917.775,"sentiment":"neutral","sentiment_score":0.06474756356328726},{"text":"So that gives you a bit of a background.","start":1917.995,"end":1919.615,"sentiment":"neutral","sentiment_score":0.05273886314696736}],"sentiment":"neutral","sentiment_score":0.02074658461823696,"num_words":82,"start":1895.85,"end":1919.615},{"sentences":[{"text":"Essentially, from here, what we're gonna do is we we do the initial client consult.","start":1920.475,"end":1924.555,"sentiment":"neutral","sentiment_score":0.09626401116450628},{"text":"So we've already done that and get an understanding of you.","start":1924.555,"end":1927.5399,"sentiment":"neutral","sentiment_score":0.13612681220878253},{"text":"You understand us.","start":1927.5399,"end":1928.4199,"sentiment":"neutral","sentiment_score":0.10876801113287608},{"text":"We do the fact find risk profile, and then what we do is we will we will book in another time where I will present to you a client's advice 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covered as well because we've given that advice under our licenses.","start":1950.905,"end":1958.08,"sentiment":"neutral","sentiment_score":0.18361827824264765},{"text":"So when an adviser becomes licensed under an appraisal or with ASIC and the federal government, we get a number.","start":1958.54,"end":1964.22,"sentiment":"neutral","sentiment_score":0.12126514618285}],"sentiment":"neutral","sentiment_score":0.16626175739228316,"num_words":73,"start":1944.905,"end":1964.22},{"sentences":[{"text":"Mine's 1259315, and that sticks with us for life to make sure that we don't have any, like, banning or disqualifications or anything like that, k, which I do not.","start":1964.22,"end":1974.265,"sentiment":"neutral","sentiment_score":-0.06533360778509328},{"text":"And you can search that up if you like, if you did wanna read some boring stuff.","start":1974.265,"end":1978.765,"sentiment":"neutral","sentiment_score":-0.03401713741614538},{"text":"But, yeah, I've got and then after we present that statement of your advice and you understand that we can get you in a better position, because if I can't, I'll be the first one to call you and say, look, the only person that's gonna win if you come forward as a client is me because you're gonna go backwards and I'm gonna get paid fees.","start":1979.13,"end":1995.235,"sentiment":"neutral","sentiment_score":0.03714827177073084},{"text":"And that's not what we're about.","start":1995.235,"end":1996.615,"sentiment":"neutral","sentiment_score":-0.05608744407072663},{"text":"Alright?","start":1996.755,"end":1997.255,"sentiment":"neutral","sentiment_score":0.002195154782384634}],"sentiment":"neutral","sentiment_score":-0.0031710319886799933,"num_words":121,"start":1964.22,"end":1997.255},{"sentences":[{"text":"So but if we can get you in a better position, we'll go you through the statement of advice, give you an idea of what's going on, what we're recommending, why it benefits you, the risks, the advantages, disadvantages, all the stuff.","start":1997.715,"end":2007.4149,"sentiment":"neutral","sentiment_score":0.12171917249049459},{"text":"And after that, you can say yay or nay.","start":2008.47,"end":2010.87,"sentiment":"neutral","sentiment_score":-0.07849602111511761},{"text":"You told me to go away, get fucked, because you don't like it, don't like me, whatever it is.","start":2010.87,"end":2014.89,"sentiment":"neutral","sentiment_score":-0.25960348899427216},{"text":"And that's fine.","start":2015.83,"end":2016.63,"sentiment":"neutral","sentiment_score":0.10257136325041454},{"text":"And that's completely complimentary.","start":2016.63,"end":2017.93,"sentiment":"positive","sentiment_score":0.44606030732393265}],"sentiment":"neutral","sentiment_score":0.020327663411954782,"num_words":77,"start":1997.715,"end":2017.93},{"sentences":[{"text":"We don't charge anything until you actually come on board as a client and see the value in our services.","start":2017.99,"end":2022.81,"sentiment":"neutral","sentiment_score":0.2755932450294495},{"text":"So part of that value is all of those fees are included inside our projections to show you the outcome as well as well as inflation.","start":2023.335,"end":2030.7949,"sentiment":"neutral","sentiment_score":0.3177899569272995},{"text":"Okay?","start":2031.1749,"end":2031.6749,"sentiment":"neutral","sentiment_score":0.11742135882377625},{"text":"Now from there, you give us what's called an ATP.","start":2031.895,"end":2034.0549,"sentiment":"neutral","sentiment_score":0.12360702529549598},{"text":"You say, yep.","start":2034.0549,"end":2034.5349,"sentiment":"neutral","sentiment_score":0.10029415786266327}],"sentiment":"neutral","sentiment_score":0.2571462977677584,"num_words":60,"start":2017.99,"end":2034.5349},{"sentences":[{"text":"I wanna go ahead.","start":2034.5349,"end":2035.255,"sentiment":"neutral","sentiment_score":0.1536276787519455},{"text":"You'll sign what's called an ATP authority to proceed.","start":2035.255,"end":2037.835,"sentiment":"neutral","sentiment_score":0.16438677741421592},{"text":"That authority to proceed will essentially be we will then implement that strategy, whatever it looks like.","start":2038.23,"end":2044.39,"sentiment":"neutral","sentiment_score":0.22870539216434255},{"text":"And then we are definitely not a set and forget kind of place because we like trust.","start":2044.39,"end":2048.15,"sentiment":"neutral","sentiment_score":0.2880365322617924},{"text":"We wanna build amongst it, and we'll do a quarterly update and do a full comprehensive annual review every year to make sure that you're still achieving your 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mate.","start":2068.75,"end":2070.35,"sentiment":"neutral","sentiment_score":0.10135678350925445}],"sentiment":"neutral","sentiment_score":0.2590964956416024,"num_words":45,"start":2055.725,"end":2070.35},{"sentences":[{"text":"You are essentially in what's called the seeding stage.","start":2070.35,"end":2073.31,"sentiment":"neutral","sentiment_score":0.15667631891038683},{"text":"So you're you're gonna reap the rewards of everything that you worked hard for.","start":2073.31,"end":2077.365,"sentiment":"positive","sentiment_score":0.6837787138564246},{"text":"You've you've completed your journey well done, and we're gonna try and get you to retire in style and look at some sort of way to forward your lifestyle.","start":2077.365,"end":2086.405,"sentiment":"positive","sentiment_score":0.6834945843137544},{"text":"But not only that, we're looking into generational wealth as well when your time comes to fall off your perch, shall we say.","start":2086.405,"end":2092.5,"sentiment":"neutral","sentiment_score":0.28589749141879706},{"text":"Alright?","start":2092.8,"end":2093.3,"sentiment":"neutral","sentiment_score":0.1892891824245453}],"sentiment":"positive","sentiment_score":0.49433241176762077,"num_words":76,"start":2070.35,"end":2093.3},{"sentences":[{"text":"So once you once that's all complimentary, but when you do proceed, we do charge a fee, and that is $4,950.","start":2093.52,"end":2101.04,"sentiment":"neutral","sentiment_score":0.15143167262985593},{"text":"That will get taken out of your superannuation.","start":2101.04,"end":2102.82,"sentiment":"neutral","sentiment_score":0.1865268088877201},{"text":"So we've managed to work out a way to not charge anything out of your back pocket.","start":2103.615,"end":2108.275,"sentiment":"neutral","sentiment_score":0.29990895267795115},{"text":"We can we will only charge our super it's tax effective so that you you've only paid 15¢ of the on the dollar going in rather than your marginal tax rate.","start":2108.415,"end":2116.335,"sentiment":"neutral","sentiment_score":0.2950086683034897},{"text":"So it's more tax effective, and it doesn't and it doesn't come out of your back pocket.","start":2116.335,"end":2119.94,"sentiment":"positive","sentiment_score":0.3750908295897877}],"sentiment":"neutral","sentiment_score":0.2687907090751074,"num_words":94,"start":2093.52,"end":2119.94},{"sentences":[{"text":"It doesn't you don't feel it at all.","start":2119.94,"end":2122.3398,"sentiment":"neutral","sentiment_score":0.15899748541414738},{"text":"And part of so that's the upfront just to for my time and everybody else's, but as well as the statement of advice.","start":2122.3398,"end":2128.9,"sentiment":"neutral","sentiment_score":0.20810589583023734},{"text":"But moving forward, again, going back from that trust vision, we charge a percentage based fee on your assets.","start":2128.9,"end":2135.1748,"sentiment":"neutral","sentiment_score":0.11955696265948446},{"text":"One, because if your funds go up, we get paid more, which is incentive for me.","start":2135.1748,"end":2138.9348,"sentiment":"neutral","sentiment_score":0.06124399299733341},{"text":"But if your funds go down, we get paid less.","start":2138.9348,"end":2141.1948,"sentiment":"neutral","sentiment_score":-0.26066009104251864}],"sentiment":"neutral","sentiment_score":0.08820132572988146,"num_words":76,"start":2119.94,"end":2141.1948},{"sentences":[{"text":"That is not gonna make either of us happy.","start":2141.335,"end":2143.655,"sentiment":"negative","sentiment_score":-0.5053148633903928},{"text":"Right?","start":2143.655,"end":2143.895,"sentiment":"neutral","sentiment_score":0.0692167729139328},{"text":"So we kind of we we have a relationship where we both wanna do good.","start":2143.895,"end":2147.335,"sentiment":"neutral","sentiment_score":0.29250089526176454},{"text":"Right?","start":2147.335,"end":2147.835,"sentiment":"neutral","sentiment_score":0.13179369270801544},{"text":"Yep.","start":2149.23,"end":2149.55,"sentiment":"neutral","sentiment_score":-0.010402652435004711}],"sentiment":"neutral","sentiment_score":0.0011217582074028473,"num_words":27,"start":2141.335,"end":2149.55},{"sentences":[{"text":"So it's a it's a tiered structure.","start":2149.55,"end":2151.31,"sentiment":"neutral","sentiment_score":0.002712172589131764},{"text":"So for the first 200,000, we charge 1.65%.","start":2151.31,"end":2154.93,"sentiment":"neutral","sentiment_score":0.057845961302518845},{"text":"So one point one point five plus GST.","start":2155.07,"end":2157.09,"sentiment":"neutral","sentiment_score":0.05327529460191727},{"text":"And then after 200,000, if we build your balance above 200,000 to 500,000, it drops to 1.375.","start":2158.11,"end":2165.145,"sentiment":"neutral","sentiment_score":-0.06189216958249316},{"text":"And then from 500,000 to a million, it's 1.1.","start":2165.365,"end":2168.325,"sentiment":"neutral","sentiment_score":0.05267016548249456}],"sentiment":"neutral","sentiment_score":0.00673101758774446,"num_words":49,"start":2149.55,"end":2168.325},{"sentences":[{"text":"And then a million onwards, you're looking at 0.825.","start":2168.325,"end":2171.4648,"sentiment":"neutral","sentiment_score":0.03117016309665309},{"text":"K?","start":2171.6848,"end":2171.9248,"sentiment":"neutral","sentiment_score":0.0170007161796093},{"text":"So we tier it like a like a tax brackets.","start":2171.9248,"end":2174.2449,"sentiment":"neutral","sentiment_score":0.04932701364159584},{"text":"You stop, and then we'll reduce it down.","start":2174.2449,"end":2176.565,"sentiment":"neutral","sentiment_score":0.06327961711212993},{"text":"K?","start":2176.565,"end":2177.065,"sentiment":"neutral","sentiment_score":0.033618681132793427}],"sentiment":"neutral","sentiment_score":0.045884756499837184,"num_words":29,"start":2168.325,"end":2177.065},{"sentences":[{"text":"So that's that's a little bit more about the fees.","start":2177.49,"end":2179.49,"sentiment":"neutral","sentiment_score":0.01605159267783165},{"text":"But, again, I'll show you all those fees in the SOA, and we'll we'll include those in all projections.","start":2179.49,"end":2184.23,"sentiment":"neutral","sentiment_score":0.08732097321435024},{"text":"Do you have any questions about those fees?","start":2184.69,"end":2186.45,"sentiment":"neutral","sentiment_score":0.02668832428753376},{"text":"Does that make sense?","start":2186.45,"end":2187.33,"sentiment":"neutral","sentiment_score":0.0020091095939278603},{"text":"Or beautiful.","start":2187.33,"end":2190.71,"sentiment":"neutral","sentiment_score":0.22269485238939524}],"sentiment":"neutral","sentiment_score":0.05782667803036612,"num_words":43,"start":2177.49,"end":2190.71},{"sentences":[{"text":"And because we run our own air parcel, that's we receive a 100% of those commissions.","start":2191.175,"end":2195.755,"sentiment":"neutral","sentiment_score":0.2906247181817889},{"text":"Outside of that, the last thing I wanna touch on is the complaints handling process.","start":2197.095,"end":2201.095,"sentiment":"neutral","sentiment_score":-0.155416073401769},{"text":"So what happens if you invest your money with me and I run away to, I don't know, The Bahamas and drink pina coladas with your money, you would be you wouldn't be very happy with me.","start":2201.095,"end":2210.95,"sentiment":"negative","sentiment_score":-0.36369077458574967},{"text":"So there's there's there's processes in in in this there's certain events, I guess.","start":2211.17,"end":2216.77,"sentiment":"neutral","sentiment_score":-0.1727477695260729},{"text":"So if you're looking at some sort of thing like that, it hasn't happened.","start":2216.77,"end":2220.21,"sentiment":"neutral","sentiment_score":-0.20901226890938623}],"sentiment":"neutral","sentiment_score":-0.1716921334154904,"num_words":96,"start":2191.175,"end":2220.21},{"sentences":[{"text":"I've been doing this for a long time.","start":2220.21,"end":2221.455,"sentiment":"neutral","sentiment_score":-0.20635059103369713},{"text":"But if it does, for whatever reason, then what you do is you go through firstly an internal dispute resolution process, which is IDR, and then after that, an external dispute resolution.","start":2221.455,"end":2231.955,"sentiment":"neutral","sentiment_score":-0.1245049734134227},{"text":"If the IDR doesn't you don't get the right outcome that you're looking for.","start":2232.0151,"end":2235.54,"sentiment":"neutral","sentiment_score":-0.17772108103547776},{"text":"So that IDI is essentially getting in touch with the AFSL, the principal license, which is us, and you speak to the responsible manager of the firm, which is me.","start":2235.62,"end":2243.8,"sentiment":"neutral","sentiment_score":0.004639548435807228},{"text":"But I'm gonna be in the I'm gonna be in The Bahamas drinking pina coladas with your money.","start":2244.26,"end":2247.915,"sentiment":"neutral","sentiment_score":0.021669568959623575}],"sentiment":"neutral","sentiment_score":-0.07444921880047403,"num_words":102,"start":2220.21,"end":2247.915},{"sentences":[{"text":"So you probably wanna wanna speak to me even if I picked up.","start":2247.995,"end":2250.575,"sentiment":"neutral","sentiment_score":0.0007526473357127263},{"text":"So for that and for that reason, we've also got Bart.","start":2250.875,"end":2254.575,"sentiment":"neutral","sentiment_score":0.07288824800740588},{"text":"So Bart Ryan is the bit my business partner.","start":2254.715,"end":2256.955,"sentiment":"neutral","sentiment_score":0.06260583787742588},{"text":"He's more back of house and doesn't practice.","start":2256.955,"end":2258.895,"sentiment":"neutral","sentiment_score":-0.06455756723880768},{"text":"So he'll be there to have a chat.","start":2258.955,"end":2261.16,"sentiment":"neutral","sentiment_score":0.057344987289980054}],"sentiment":"neutral","sentiment_score":0.026883817239835555,"num_words":49,"start":2247.995,"end":2261.16},{"sentences":[{"text":"And look, we're pretty reasonable.","start":2261.3198,"end":2262.7,"sentiment":"neutral","sentiment_score":0.26539510786533355},{"text":"Just just let us know what's going on.","start":2262.76,"end":2264.3599,"sentiment":"neutral","sentiment_score":0.281018840149045},{"text":"We're happy to help out.","start":2264.3599,"end":2265.48,"sentiment":"positive","sentiment_score":0.6528770685195923},{"text":"Do what we can.","start":2265.48,"end":2266.38,"sentiment":"neutral","sentiment_score":0.2881477251648903},{"text":"But if but if for some reason you yeah.","start":2267.3198,"end":2272.44,"sentiment":"neutral","sentiment_score":-0.046351145228577986}],"sentiment":"neutral","sentiment_score":0.24435297408772091,"num_words":31,"start":2261.3198,"end":2272.44},{"sentences":[{"text":"If for some reason you, I guess, yeah, if he tells you to get stuff and wants to come join me in The Bahamas and drink peanut coladas money, then you then you've got a external dispute resolution for us, which is you go to AFSCA.","start":2272.44,"end":2287.215,"sentiment":"neutral","sentiment_score":-0.01960486985500092},{"text":"They call it AFSCA, the Australian Financial Complaints Authority, and they're pretty much our ombudsman.","start":2287.215,"end":2291.11,"sentiment":"neutral","sentiment_score":0.048026031162589786},{"text":"They love it.","start":2291.4102,"end":2292.05,"sentiment":"positive","sentiment_score":0.6073799729347229},{"text":"They'll get in touch with us and absolutely yeah.","start":2292.05,"end":2294.53,"sentiment":"positive","sentiment_score":0.4382423294915093},{"text":"They make our lives hell.","start":2294.53,"end":2295.83,"sentiment":"neutral","sentiment_score":0.17026241719722748}],"sentiment":"neutral","sentiment_score":0.08251537723490635,"num_words":78,"start":2272.44,"end":2295.83},{"sentences":[{"text":"We are fortunate enough to be doing this for almost a decade, and only have two formal complaints, both of which were crushed because they weren't didn't make sense.","start":2296.29,"end":2304.3452,"sentiment":"neutral","sentiment_score":-0.024056168080403888},{"text":"And people just you know, people get touchy about their money.","start":2305.205,"end":2307.7651,"sentiment":"neutral","sentiment_score":-0.18741648102348502},{"text":"And when markets fall, everybody feels it, but some people like to complain, but that's a part of the process.","start":2307.7651,"end":2312.3452,"sentiment":"neutral","sentiment_score":-0.07997751217335462},{"text":"So yeah.","start":2313.5251,"end":2314.405,"sentiment":"neutral","sentiment_score":0.04945451207458973},{"text":"Correct.","start":2314.405,"end":2314.565,"sentiment":"neutral","sentiment_score":0.07105956971645355}],"sentiment":"neutral","sentiment_score":-0.06648875897129376,"num_words":63,"start":2296.29,"end":2314.565},{"sentences":[{"text":"It goes up to nothing.","start":2314.565,"end":2315.445,"sentiment":"neutral","sentiment_score":-0.02458987757563591},{"text":"It's the nature of the beast.","start":2315.445,"end":2316.51,"sentiment":"neutral","sentiment_score":-0.10500892624258995},{"text":"So but there is that solution there.","start":2316.83,"end":2319.07,"sentiment":"neutral","sentiment_score":-0.013334375407014574},{"text":"And in those documents, you can find it on our website as well.","start":2319.07,"end":2322.21,"sentiment":"neutral","sentiment_score":0.05629975176774538},{"text":"That number and email address for Africa is there.","start":2322.27,"end":2324.91,"sentiment":"neutral","sentiment_score":0.024201356288459566}],"sentiment":"neutral","sentiment_score":0.0025841351598501205,"num_words":40,"start":2314.565,"end":2324.91},{"sentences":[{"text":"Like I said, that won't happen.","start":2324.91,"end":2326.37,"sentiment":"neutral","sentiment_score":-0.01886499331643184},{"text":"But if you are upset about something or just just just rude for whatever reason, then by all means, mate, just by all means, mate, just just give me a call.","start":2326.43,"end":2336.625,"sentiment":"neutral","sentiment_score":-0.02955919119619554},{"text":"I'm happy to have a chat.","start":2336.625,"end":2337.745,"sentiment":"positive","sentiment_score":0.4438476761182149},{"text":"You know, we refund, do whatever whatever it is.","start":2337.745,"end":2340.3052,"sentiment":"neutral","sentiment_score":0.05677032553487354},{"text":"Not like that.","start":2340.3052,"end":2340.865,"sentiment":"neutral","sentiment_score":-0.16223032275835672}],"sentiment":"neutral","sentiment_score":0.030141875113953245,"num_words":55,"start":2324.91,"end":2340.865},{"sentences":[{"text":"Does that all make sense?","start":2340.865,"end":2341.89,"sentiment":"neutral","sentiment_score":0.025294946879148482},{"text":"Beautiful.","start":2344.13,"end":2344.5298,"sentiment":"positive","sentiment_score":0.34600114822387695},{"text":"Do you have any questions or concerns before we book in the time?","start":2344.5298,"end":2347.01,"sentiment":"neutral","sentiment_score":0.07196333459936656},{"text":"Or beautiful.","start":2347.01,"end":2350.3098,"sentiment":"neutral","sentiment_score":0.015115480870008469},{"text":"I'm pretty booked up.","start":2352.0498,"end":2353.17,"sentiment":"neutral","sentiment_score":0.053697023540735245}],"sentiment":"neutral","sentiment_score":0.0661207315325737,"num_words":25,"start":2340.865,"end":2353.17},{"sentences":[{"text":"What about a couple weeks time?","start":2353.17,"end":2354.775,"sentiment":"neutral","sentiment_score":0.016226209389666717},{"text":"Do you reckon maybe Monday, the fourteenth, would be a good time?","start":2354.775,"end":2358.4548,"sentiment":"neutral","sentiment_score":0.04375650500878692},{"text":"Or or, actually, maybe even bring it a little bit closer.","start":2358.4548,"end":2364.135,"sentiment":"neutral","sentiment_score":0.03880349682136015},{"text":"Do you reckon oh, no.","start":2364.135,"end":2365.575,"sentiment":"neutral","sentiment_score":-0.0580369483679533},{"text":"I will do.","start":2365.575,"end":2366.055,"sentiment":"neutral","sentiment_score":-0.034904226660728455}],"sentiment":"neutral","sentiment_score":0.01768584755828252,"num_words":37,"start":2353.17,"end":2366.055},{"sentences":[{"text":"We'll do Monday, the fourteenth.","start":2366.055,"end":2367.255,"sentiment":"neutral","sentiment_score":0.04898264855146408},{"text":"Do you wanna go 1PM or twelve noon?","start":2367.255,"end":2369.5698,"sentiment":"neutral","sentiment_score":0.029199311276897788},{"text":"1PM it is?","start":2371.47,"end":2372.51,"sentiment":"neutral","sentiment_score":0.039621928706765175},{"text":"Beautiful.","start":2372.51,"end":2373.01,"sentiment":"positive","sentiment_score":0.632020115852356},{"text":"I'll send you another calendar invite, and, Nate, thank you for your time.","start":2373.15,"end":2376.2698,"sentiment":"positive","sentiment_score":0.5702133843531976}],"sentiment":"neutral","sentiment_score":0.2880722543845574,"num_words":30,"start":2366.055,"end":2376.2698},{"sentences":[{"text":"Absolute pleasure, and thank you for reaching oh, thanks, Scotty, for getting us in touch.","start":2376.2698,"end":2381.0898,"sentiment":"positive","sentiment_score":0.7323118607203166},{"text":"I'll get working on this plan and try to see what we can do to get that goal of $700 a week in retirement by '67.","start":2381.415,"end":2387.835,"sentiment":"positive","sentiment_score":0.48344833575762236},{"text":"And yeah.","start":2388.375,"end":2389.095,"sentiment":"neutral","sentiment_score":0.12018591165542603},{"text":"Look.","start":2389.095,"end":2389.335,"sentiment":"neutral","sentiment_score":0.052919674664735794},{"text":"Until then, mate, I'll speak to you in a couple of weeks.","start":2389.335,"end":2392.055,"sentiment":"neutral","sentiment_score":0.04234208166599274}],"sentiment":"positive","sentiment_score":0.4349237699726863,"num_words":56,"start":2376.2698,"end":2392.055},{"sentences":[{"text":"Oh, what I will also do is I need your superannuation statements and a picture of the front and the back of your driver's license.","start":2392.055,"end":2398.1099,"sentiment":"neutral","sentiment_score":0.07174027249217034},{"text":"Am I able to send you an email?","start":2398.1099,"end":2399.63,"sentiment":"neutral","sentiment_score":0.04136394942179322},{"text":"Can you send that through to me?","start":2399.63,"end":2401.25,"sentiment":"neutral","sentiment_score":0.05215595343283245},{"text":"Beautiful.","start":2403.55,"end":2403.95,"sentiment":"positive","sentiment_score":0.713280439376831},{"text":"I'll shoot you an email as soon as we finish this conversation, and, yeah, we'll go from there.","start":2403.95,"end":2408.69,"sentiment":"neutral","sentiment_score":0.30755270686414504}],"sentiment":"neutral","sentiment_score":0.14811422448542158,"num_words":59,"start":2392.055,"end":2408.69},{"sentences":[{"text":"Yep.","start":2411.503,"end":2411.8228,"sentiment":"positive","sentiment_score":0.3822701871395111},{"text":"No worries, mate.","start":2411.8228,"end":2412.463,"sentiment":"neutral","sentiment_score":0.3089883228143056},{"text":"Speak to you soon.","start":2412.463,"end":2413.1028,"sentiment":"neutral","sentiment_score":0.32731881737709045},{"text":"Bye.","start":2413.1028,"end":2413.6028,"sentiment":"neutral","sentiment_score":0.24857720732688904},{"text":"Yep.","start":2415.1829,"end":2415.503,"sentiment":"neutral","sentiment_score":0.12049122154712676}],"sentiment":"neutral","sentiment_score":0.29875788539648057,"num_words":10,"start":2411.503,"end":2415.503},{"sentences":[{"text":"Bye.","start":2415.503,"end":2416.003,"sentiment":"neutral","sentiment_score":-0.1085098534822464}],"sentiment":"neutral","sentiment_score":-0.1085098534822464,"num_words":1,"start":2415.503,"end":2416.003}]}}]},{"alternatives":[{"transcript":"Hello? Alright. Thank you. Yourself? Go over, buddy. Yes. Okay. That's correct. I don't have a lot in superannuation, but I have I think that's a 130 or something. 30. Yeah. I'm not pretty sure what to do. I I I think I'm to pull it out because I'm at I'm 66. So I I don't think I pay tax or anything or or that. Yeah. Well, I'm not I'm not really sure exactly what exactly what to do myself. I'm just a bit up in the air. I don't know what to do. Like, I'm allowed to have it in there. I've only got another eight months so I get the pension. I Single. Single. Yeah. It it probably helped because I I really don't know anything about any. Yep. Yep. Okay. Yep. Yes. Well, I'm sort of not working because I had, like, major surgery not long ago. I had cancer removed. Yeah. Not really. No. No. I'm I'm on unemployment. It's got me on unemployment debt. I'm I'm on that at the moment. But yeah. Only because of my operation. I'm gonna trying to cover because I gotta wear a bag the rest of my life now, and I'm trying to get out the infections and stuff like that. I'm 500 away from you. Good. Yeah. Yeah. Yeah. Well, I think so. Yeah. I'm really not sure. Like, I don't I don't I really don't know. Yeah. Only a I I paid $2.50 a week, Greg. That's all I paid. Yeah. I have car. Yeah. Got Toyota. And a Toyota u. It's a work u. Yeah. Probably about $12.12 grand, $13. No. No. No. No. I don't know right. Shit. No. Not I've got a little bit of money in offshore. Yeah. Like, $30,000. Yeah. Maybe 7. Yeah. Listen. Yeah. Yeah. No. I'm I'm alright at the moment. Yes. Sorry? Who is with? I think it's a retirement fund or something like that. Could be just have I think so. Yeah. That's the one. Okay. Very good. Australian Retirement Fund online. My member's number is 902756519. Nine zero two seven five six five one yeah. It's a 130 34,000 in there, apparently. Yeah. Okay. Because what I was thinking once you once you retire at 67, if you pulled it back, it's like, it'll be a 100 and will will they still pay the pension? You got a $130 and then out in your bank? That's what worried me, like yeah. Yeah. Yeah. Yes. Okay. Yeah. No. That's perfect. That's perfect. Yeah. Not real good. Yeah. Well, yeah. I'm gonna Yeah. Well, that's it. Yeah. I I could if I could travel a little bit, Leo, like yeah. Probably Vietnam again or, you know, back to Yep. Yeah. Yeah. I mean, I didn't you know, I'd like to travel in Australia a little bit too, but, you know? Yeah. Yeah. I mean, I've done a lot of traveling around things that work that I do, but it'd be nice to do a little bit more where you're not working. You know what I mean? Enjoying. Not saying because I've been Yeah. Well, that's correct. Yep. I'm getting there. Paperless. Six. Yep. Yep. Yeah. I really yeah. Yeah. No. It's all good, sir. I mean, everything you're doing from this gives me an idea of what's going on as well because I had no idea at all. Yeah. That's great. The the boys the boys put me on to you, and they're very proud of you, and they they think you're good. Yeah. He's moving up to Townsville for a little bit. Trying to take some Jesse. It's on my side at the moment. I don't really get on the computer. Okay. How do I do that? Speak button? Yep. Yep. I got that speaker button. John, you're on? Yep. Hello? Yeah. It should be up my son. Just do that later. Yep. Yep. Uh-huh. Okay. It's not coming just yet. It's okay. What's it doing? Alright. Mhmm. Kind of looking at, please. Try. This event has been uploaded. Change. Yeah. Here. It says open URL, but it won't back in. It won't open for some reason. Cannot cannot load files. Okay. Now it says sign in. Yeah. Yeah. I think Yeah. I think Sign in. Okay. It should be just my email. Key phone number in there. Just phone number. Yeah. Yes. Good day. What is your email address name? Ross Miles Hotmail dot a u. 22 Close. Early Waters. Blue Moon. Yeah. Blue Moon, one word. Close. Burley Ward. Seven. Yep. No. No. No. Yeah. But, actually. Actually, it's unemployment. I don't get it. I get that 824 a fortnight. You know, did they, bring another spouse sort of thing. Yeah. So, like, just my lady friend, Janelle. She's just a last friend. Yeah. Yeah. Weight's weight is about seventy four kilo. Height's hundred and eighty seven. No. I don't have one of those. Sixteen to the six sixty. Yep. Yep. Yep. Yep. I'd say four. Very basic understanding. No. No. Spice. Oh, the bar? 25. Probably two. I haven't had any Yes. Safety first. I'll be I need to find but Yeah. All investments. Great return. Yep. Yep. Yep. Yes. Right. Yep. No. It hasn't it hasn't come up. I don't know why. I get reception where I am too. I I think it okay. Where is it going? It should be after that. I think I'm going to do something else now. I don't know what I'm gonna do. I'm hyped with these bloody fines. Yep. No. Yep. Yep. Yep. Yep. Yeah. No. Yes. Perfect. Yeah. Yeah. Yep. Yep. Yep. Yep. No. Yep. Yep. Yep. No. It all makes sense. Yeah. No. No. Yep. Yes. It is. Yep. Yep. Definitely. Yep. No. Not really. No. Yep. That sounds good to me. 1PM. Yep. Yep. Yep. Yep. I can do that to you. Yep. Alright then. Thank you so much, Jenny. Thank you. Bye 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Alright. Thank you. Yourself? Go over, buddy.\n\nYes. Okay. That's correct. I don't have a lot in superannuation, but I have I think that's a 130 or something. 30.\n\nYeah. I'm not pretty sure what to do. I I I think I'm to pull it out because I'm at I'm 66. So I I don't think I pay tax or anything or or that. Yeah.\n\nWell, I'm not I'm not really sure exactly what exactly what to do myself. I'm just a bit up in the air. I don't know what to do. Like, I'm allowed to have it in there. I've only got another eight months so I get the pension.\n\nI Single. Single. Yeah. It it probably helped because I I really don't know anything about any. Yep.\n\nYep. Okay. Yep. Yes. Well, I'm sort of not working because I had, like, major surgery not long ago.\n\nI had cancer removed. Yeah. Not really. No. No.\n\nI'm I'm on unemployment. It's got me on unemployment debt. I'm I'm on that at the moment. But yeah. Only because of my operation.\n\nI'm gonna trying to cover because I gotta wear a bag the rest of my life now, and I'm trying to get out the infections and stuff like that. I'm 500 away from you. Good. Yeah. Yeah.\n\nYeah. Well, I think so. Yeah. I'm really not sure. Like, I don't I don't I really don't know.\n\nYeah. Only a I I paid $2.50 a week, Greg. That's all I paid. Yeah. I have car.\n\nYeah. Got Toyota. And a Toyota u. It's a work u. Yeah.\n\nProbably about $12.12 grand, $13. No. No. No. No.\n\nI don't know right. Shit. No. Not I've got a little bit of money in offshore. Yeah.\n\nLike, $30,000. Yeah. Maybe 7. Yeah. Listen.\n\nYeah. Yeah. No. I'm I'm alright at the moment. Yes.\n\nSorry? Who is with? I think it's a retirement fund or something like that. Could be just have I think so. Yeah.\n\nThat's the one. Okay. Very good. Australian Retirement Fund online. My member's number is 902756519.\n\nNine zero two seven five six five one yeah. It's a 130 34,000 in there, apparently. Yeah. Okay. Because what I was thinking once you once you retire at 67, if you pulled it back, it's like, it'll be a 100 and will will they still pay the pension?\n\nYou got a $130 and then out in your bank? That's what worried me, like yeah. Yeah. Yeah. Yes.\n\nOkay. Yeah. No. That's perfect. That's perfect.\n\nYeah. Not real good. Yeah. Well, yeah. I'm gonna Yeah.\n\nWell, that's it. Yeah. I I could if I could travel a little bit, Leo, like yeah. Probably Vietnam again or, you know, back to Yep. Yeah.\n\nYeah. I mean, I didn't you know, I'd like to travel in Australia a little bit too, but, you know? Yeah. Yeah. I mean, I've done a lot of traveling around things that work that I do, but it'd be nice to do a little bit more where you're not working.\n\nYou know what I mean? Enjoying. Not saying because I've been Yeah. Well, that's correct. Yep.\n\nI'm getting there. Paperless. Six. Yep. Yep.\n\nYeah. I really yeah. Yeah. No. It's all good, sir.\n\nI mean, everything you're doing from this gives me an idea of what's going on as well because I had no idea at all. Yeah. That's great. The the boys the boys put me on to you, and they're very proud of you, and they they think you're good. Yeah.\n\nHe's moving up to Townsville for a little bit. Trying to take some Jesse. It's on my side at the moment. I don't really get on the computer. Okay.\n\nHow do I do that? Speak button? Yep. Yep. I got that speaker button.\n\nJohn, you're on? Yep. Hello? Yeah. It should be up my son.\n\nJust do that later. Yep. Yep. Uh-huh. Okay.\n\nIt's not coming just yet. It's okay. What's it doing? Alright. Mhmm.\n\nKind of looking at, please. Try. This event has been uploaded. Change. Yeah.\n\nHere. It says open URL, but it won't back in. It won't open for some reason. Cannot cannot load files. Okay.\n\nNow it says sign in. Yeah. Yeah. I think Yeah. I think Sign in.\n\nOkay. It should be just my email. Key phone number in there. Just phone number. Yeah.\n\nYes. Good day. What is your email address name? Ross Miles Hotmail dot a u. 22 Close.\n\nEarly Waters. Blue Moon. Yeah. Blue Moon, one word. Close.\n\nBurley Ward. Seven. Yep. No. No.\n\nNo. Yeah. But, actually. Actually, it's unemployment. I don't get it.\n\nI get that 824 a fortnight. You know, did they, bring another spouse sort of thing. Yeah. So, like, just my lady friend, Janelle. She's just a last friend.\n\nYeah. Yeah. Weight's weight is about seventy four kilo. Height's hundred and eighty seven. No.\n\nI don't have one of those. Sixteen to the six sixty. Yep. Yep. Yep.\n\nYep. I'd say four. Very basic understanding. No. No.\n\nSpice. Oh, the bar? 25. Probably two. I haven't had any Yes.\n\nSafety first. I'll be I need to find but Yeah. All investments. Great return. Yep.\n\nYep. Yep. Yes. Right. Yep.\n\nNo. It hasn't it hasn't come up. I don't know why. I get reception where I am too. I I think it okay.\n\nWhere is it going? It should be after that. I think I'm going to do something else now. I don't know what I'm gonna do. I'm hyped with these bloody fines.\n\nYep. No. Yep. Yep. Yep.\n\nYep. Yeah. No. Yes. Perfect.\n\nYeah. Yeah. Yep. Yep. Yep.\n\nYep. No. Yep. Yep. Yep.\n\nNo. It all makes sense. Yeah. No. No.\n\nYep. Yes. It is. Yep. Yep.\n\nDefinitely. Yep. No. Not really. No.\n\nYep. That sounds good to me. 1PM. Yep. Yep.\n\nYep. Yep. I can do that to you. Yep. Alright then.\n\nThank you so much, Jenny. Thank you. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.03193363547325134},{"text":"Alright.","start":5.68,"end":6.08,"sentiment":"neutral","sentiment_score":0.20334646105766296},{"text":"Thank you.","start":6.08,"end":6.48,"sentiment":"positive","sentiment_score":0.4318433105945587},{"text":"Yourself?","start":6.48,"end":6.98,"sentiment":"neutral","sentiment_score":0.19327913224697113},{"text":"Go over, buddy.","start":32.6,"end":33.5,"sentiment":"neutral","sentiment_score":0.02341425543030103}],"sentiment":"neutral","sentiment_score":0.17031107703223825,"num_words":8,"start":0.64,"end":33.5},{"sentences":[{"text":"Yes.","start":63.14,"end":63.64,"sentiment":"neutral","sentiment_score":0.09118933230638504},{"text":"Okay.","start":67.54,"end":68.04,"sentiment":"neutral","sentiment_score":0.14987994730472565},{"text":"That's 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you.","start":2401.74,"end":2403.095,"sentiment":"positive","sentiment_score":0.3482511987288793},{"text":"Yep.","start":2403.555,"end":2404.055,"sentiment":"positive","sentiment_score":0.37725311517715454},{"text":"Alright then.","start":2409.075,"end":2409.795,"sentiment":"neutral","sentiment_score":0.32429468631744385}],"sentiment":"neutral","sentiment_score":0.3142081268809058,"num_words":11,"start":2385.725,"end":2409.795},{"sentences":[{"text":"Thank you so much, Jenny.","start":2409.795,"end":2411.015,"sentiment":"positive","sentiment_score":0.7821065187454224},{"text":"Thank you.","start":2413.955,"end":2414.435,"sentiment":"positive","sentiment_score":0.5613250434398651},{"text":"Bye bye.","start":2414.435,"end":2415.095,"sentiment":"neutral","sentiment_score":0.25086425244808197}],"sentiment":"positive","sentiment_score":0.6149901317225562,"num_words":9,"start":2409.795,"end":2415.095}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Ross, mate. Sevi's out of calling OP Financial. How are you?\n\nChannel 1: Alright. Thank you. Yourself?\n\nChannel 0: Yeah. I'm very well, man. I've just been dealing with a a car crash client, and I do apologize. I'm so glad that Maddie reached out to you, asked her to postpone this. I yeah.\n\nWhen we deal with insurances, unfortunately, you you know, you gotta deal with the bad side of it as well as when family members call you up, it's, yeah, it's not ideal. So I do apologize. It's the second time in a row, and it's not acceptable, and I apologize, mate.\n\nChannel 1: Go over, buddy.\n\nChannel 0: Now, I do have time. I do wanna run through a bit of a fact find and a risk profile, give you an idea about us as well, and then book in some time to go through the statement of advice and recommendations. So, yeah, I guess the the from an itinerary point of view, you know, you we I like to get an idea of what you're looking for and see if we can assist in any way. And then, yeah, from there, we'll go to you know, after lunch, a little bit more about you, I'll show you a little bit more about us. And then I'll go\n\nChannel 1: Yes.\n\nChannel 0: through a bit of fact find risk profile, and then we'll go from there. Right?\n\nChannel 1: Okay.\n\nChannel 0: Beautiful. So what what exactly I think my I think Scottie said something about superannuation. Right?\n\nChannel 1: That's correct. I don't have a lot\n\nChannel 0: Okay.\n\nChannel 1: in superannuation, but I have I think that's a 130 or something.\n\nChannel 0: Okay. Okay. So a 130 k. And is it just around, you know, what's what's you're looking to do with it? Do you wanna draw\n\nChannel 1: 30.\n\nChannel 0: it out? Or do you want\n\nChannel 1: Yeah.\n\nChannel 0: yeah.\n\nChannel 1: I'm not pretty sure what to do. I\n\nChannel 0: Okay.\n\nChannel 1: I I think I'm to pull it out because I'm at I'm 66. So\n\nChannel 0: Yep. Gotcha.\n\nChannel 1: I I don't think I pay tax or anything or or that.\n\nChannel 0: Yeah. Correct. Yeah. This tax free after preservation age, which is age 60.\n\nChannel 1: Yeah.\n\nChannel 0: But, yeah, you can draw it down as a lump sum. What what what what's the intention of drawing it out of super? Do you wanna kind of use it to make interest or make return, or do you wanna spend it? What's what are you what's your thoughts?\n\nChannel 1: Well, I'm not I'm not really sure exactly what exactly what to do myself. I'm just a bit up in the air. I don't know what to do.\n\nChannel 0: Okay.\n\nChannel 1: Like, I'm allowed to have it in there. I've only got another eight months so I get the pension. I\n\nChannel 0: Yeah. Correct. But when you do get the pension are you are you a single individual, or are you have you got a partner?\n\nChannel 1: Single. Single. Yeah.\n\nChannel 0: Single. Beautiful. So if you're single, you've got you can essentially get about $909,100 bucks and 5¢. Well, I believe at the moment, or last summer check, $909,100 or so dollars a fortnight from the pension at the age of 67 if you meet the asset test, the income test, and the work test. So have you did you did you do you want me to walk you through a bit of that?\n\nOr\n\nChannel 1: It it probably helped because I I really don't know anything about any.\n\nChannel 0: okay. Okay. Well, then we're speaking to you speaking to the right person because this is our lives. So\n\nChannel 1: Yep.\n\nChannel 0: we have to know all these rules and how to use them. So when you're looking at superannuation, you can actually access that at age 60, what we call preservation\n\nChannel 1: Yep.\n\nChannel 0: age, and you can draw that down at a a certain, you know, amount or you can pull it out lump sum if you stop working. Yet over the age of 65 and you're still working, you can actually pull withdraw a maximum amount of all of it.\n\nChannel 1: Okay.\n\nChannel 0: So moving forward from a superannuation point of view, it's it's most of the time, you you're in that gap, what I like to call the Goldilocks zone. So from age 60 to about 67 69 kind of area, it's\n\nChannel 1: Yep.\n\nChannel 0: really, really useful to have superannuation accounts and pump as much money as you can into it. I wish we had this conversation when you turn 60 because you can\n\nChannel 1: Yes.\n\nChannel 0: draw yeah. You can start drawing down money from your super tax free and then salary sacrifice your wage back in and just to mitigate all your tax. So there are strategies around that. You said that you had eight months before you had the pension. Are you still working at the moment?\n\nOr\n\nChannel 1: Well, I'm sort of not working because I had, like, major surgery not long ago. I had cancer\n\nChannel 0: Oh,\n\nChannel 1: removed.\n\nChannel 0: okay. I'm sorry to hear that, man.\n\nChannel 1: Yeah.\n\nChannel 0: Did you did you have any insurance policies to claim on? Or\n\nChannel 1: Not really. No. No. I'm I'm on unemployment. It's got me on unemployment debt.\n\nI'm I'm on that at the moment. But yeah. Only because of my operation. I'm gonna trying to cover because I gotta wear a bag the rest of my life now, and I'm trying to get out the infections and stuff like that.\n\nChannel 0: Yeah. Gotcha. Gotcha. Gotcha. Okay.\n\nSo let's let me let me let's reverse engineer this. So at the moment so let's say you get to you know, we're we're just looking at ways that we can assist. So would you want to start living on an income from from your superannuation as well as your pension? And if that is an income, what kind of income do you think, you just say per week, would you need, like, to to be able to fulfill your usual dues of life? Like, a $500 a week, 1,000 a week?\n\nWhat what are you kind of what do you think would be a good number?\n\nChannel 1: I'm 500 away from you. Good.\n\nChannel 0: $5,500 a week. Okay. Beautiful. There you go. So if you're looking at so what I'll do\n\nChannel 1: Yeah.\n\nChannel 0: is I might I'll prepare some strategies, but overall, just trying to utilize that $500 a week and see what we can do to be able to make sure that you've got that $500 a week until, you know, the day you die. Right?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So that's is that is that kind of the overall goal? Or\n\nChannel 1: Well, I think so. Yeah. I'm really not sure. Like, I don't I don't I\n\nChannel 0: okay.\n\nChannel 1: really don't know.\n\nChannel 0: No.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay. Do you okay. Well, let's so let let's do this. I'll I'll use that number, $500 a week. Do you have a mortgage?\n\nDo you have do you have rents? Like, what what's your living situation look like? Do\n\nChannel 1: Only\n\nChannel 0: you have\n\nChannel 1: a\n\nChannel 0: assets?\n\nChannel 1: I I paid $2.50 a week, Greg. That's all I paid.\n\nChannel 0: Okay. Okay. So you got $2.50 a week rent. Beautiful. And do you have any other assets lying around?\n\nChannel 1: Yeah.\n\nChannel 0: Motor vehicles,\n\nChannel 1: I\n\nChannel 0: you know,\n\nChannel 1: have\n\nChannel 0: things\n\nChannel 1: car.\n\nChannel 0: like that?\n\nChannel 1: Yeah. Got\n\nChannel 0: Yep.\n\nChannel 1: Toyota.\n\nChannel 0: You got it. Beautiful\n\nChannel 1: And\n\nChannel 0: Toyota. What kind of Toyota?\n\nChannel 1: a Toyota u. It's a work u. Yeah.\n\nChannel 0: Amazing. How much is the value of that?\n\nChannel 1: Probably about $12.12 grand, $13.\n\nChannel 0: So yeah. Yeah. Cool. Okay. And do you have any loans against that?\n\nOr\n\nChannel 1: No. No. No. No. I don't know right.\n\nChannel 0: Yep.\n\nChannel 1: Shit.\n\nChannel 0: Beautiful. And nothing else? No superyacht, penthouse, apartment somewhere? Or\n\nChannel 1: No. Not I've got a little bit of money in offshore. Yeah. Like, $30,000. Yeah.\n\nChannel 0: okay. Okay. No. That's alright, Paul. It's it's it's offshore for a reason, so we'll just leave that be.\n\nOkay. No. That's Right. So so with the rent being $250 a week, do you think that is that other 250 to make up the $500 per week, is that do you think that's gonna be enough to, you know, pay for groceries and live your life? Is that enough?\n\nIf I could get you to 600, would that be better?\n\nChannel 1: Maybe 7. Yeah.\n\nChannel 0: $7,700? Yeah. I think that's a little bit more reasonable. Okay. So let's go $700 per week is what you wanted to do, and you you want that by the age of 60\n\nChannel 1: Listen.\n\nChannel 0: seven. Yeah?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Do you need any cash at the moment? Because you're you're able to pull that those funds out of super if you like, if you're not working.\n\nChannel 1: No. I'm I'm alright at the\n\nChannel 0: Okay.\n\nChannel 1: moment.\n\nChannel 0: Okay. Okay. Beautiful. So 700 k per week. And now not a problem.\n\nSo I can yep. We can create some sort of strategy. So what I'll do is I'll see what the what the pension payments will look like,\n\nChannel 1: Yes.\n\nChannel 0: and then we can start drawing down just a small facility, I think, about 5% or so from your 130 k in super. Who's your super worth, by the way?\n\nChannel 1: Sorry?\n\nChannel 0: Sorry.\n\nChannel 1: Who\n\nChannel 0: Who\n\nChannel 1: is\n\nChannel 0: is\n\nChannel 1: with?\n\nChannel 0: your super and yeah. Where is your superannuation held?\n\nChannel 1: I think it's a retirement fund or something like that. Could be\n\nChannel 0: A r\n\nChannel 1: just have\n\nChannel 0: t, Australian Retirement Trust.\n\nChannel 1: I think so. Yeah. That's the\n\nChannel 0: Beautiful.\n\nChannel 1: one.\n\nChannel 0: Amazing. You wouldn't happen to have a statement or anything lying around, or can you email me someone? You that'll\n\nChannel 1: Okay.\n\nChannel 0: help me out a lot.\n\nChannel 1: Very good. Australian Retirement Fund online. My member's number is 902756519.\n\nChannel 0: 902\n\nChannel 1: Nine zero two seven five six five one\n\nChannel 0: 6519. Beautiful.\n\nChannel 1: yeah. It's a\n\nChannel 0: Perfect,\n\nChannel 1: 130\n\nChannel 0: sir.\n\nChannel 1: 34,000 in there, apparently.\n\nChannel 0: Beautiful. Amazing. Yep. Perfect. Alright.\n\nSo we're gonna utilize that those funds in your super to make up to that as well as using the pension. We're gonna\n\nChannel 1: Yeah.\n\nChannel 0: be looking at ways to potentially move that $700 and then a lot of projections and not just if you're super invested in the matter that's gonna achieve that kind of return so that you can continue that that income of $700 a week all the way up to retirement. Yeah?\n\nChannel 1: Okay. Because what I was thinking once you once you retire at 67, if you\n\nChannel 0: Yep.\n\nChannel 1: pulled it back, it's like, it'll be a 100 and will will they still pay the pension? You got a $130 and then out in your bank? That's what worried me, like\n\nChannel 0: No. So it doesn't really work like that. So do remember when I was talking about the work test, the asset test, and the income test?\n\nChannel 1: yeah. Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: they what you're talking about is the asset test. So the asset test is is essentially how much assets you pulled together as a single individual, and there's a cap on that. And then just from memory, it could be wrong to quote me on it, but I believe it's 425,000 and 250 or $475,250 is the limit of total assets including superannuation that you can have exclusive of a primary place residence. But because that's not you're not falling above\n\nChannel 1: Yes.\n\nChannel 0: that bracket with your super, then you are you should be entitled to the full pension, but I'm gonna calculate all that and let you know what it looks like anyway.\n\nChannel 1: Okay. Yeah. No. That's perfect. That's perfect.\n\nChannel 0: Yep. So we can work that out and try and achieve that $700 per week. Anything else? Any sort of, you know, any any other goals? What is it that you wanted to kind of achieve with the $700?\n\nWhere do you have any plans? You wanna go traveling? Do you wanna kinda what what what what does retirement look like for you?\n\nChannel 1: Yeah. Not real good.\n\nChannel 0: Good. Well, I beg to differ from you. You got a 137 k a $134 there, and you're about to qualify for the full pension. It's pretty good.\n\nChannel 1: Yeah. Well, yeah.\n\nChannel 0: You know,\n\nChannel 1: I'm\n\nChannel 0: some\n\nChannel 1: gonna\n\nChannel 0: retirements are different to others. You know, some people want penthouses and super yachts. Some people wanna live on a shack on the beach and just set up every day. So\n\nChannel 1: Yeah.\n\nChannel 0: it really\n\nChannel 1: Well,\n\nChannel 0: depends. Yeah.\n\nChannel 1: that's it. Yeah.\n\nChannel 0: So what does that look like? What does that look like for you? What do you what do you wanna you know, you've got all the time, the Lord. You hang the boots up. You chill out.\n\nWhat what does that look like for you? What do you wanna what do you what\n\nChannel 1: I\n\nChannel 0: would you\n\nChannel 1: I\n\nChannel 0: like?\n\nChannel 1: could if I could travel a little bit, Leo, like yeah.\n\nChannel 0: Yep. Yep. Where where to? Where where would you like to travel to?\n\nChannel 1: Probably Vietnam again or, you know, back\n\nChannel 0: Yeah. It's\n\nChannel 1: to\n\nChannel 0: it. Vietnam. It's beautiful. Oh, like\n\nChannel 1: Yep.\n\nChannel 0: Ho Chi Minh. Oh, it's Ho Chi Minh. It's a wild place. It took scooters all the way up to Hanoi once upon a time in my life. And it's, yeah, it's a special kind of place.\n\nI guess, so Vietnam, do you are you thinking in the next couple of years, maybe, like, 70, you can do it for a seventieth birthday? Or\n\nChannel 1: Yeah. Yeah. I mean, I didn't you know, I'd like to travel in Australia a little bit too, but, you know?\n\nChannel 0: Absolutely.\n\nChannel 1: Yeah. Yeah. I mean, I've\n\nChannel 0: Okay.\n\nChannel 1: done\n\nChannel 0: Beautiful.\n\nChannel 1: a lot of traveling around things that work that I do, but it'd be nice to do a little bit more where you're not working. You know what I mean? Enjoying.\n\nChannel 0: Mhmm. Yeah. Yeah. No.\n\nChannel 1: Not\n\nChannel 0: I understand\n\nChannel 1: saying\n\nChannel 0: I understand completely.\n\nChannel 1: because I've been\n\nChannel 0: Yeah. No.\n\nChannel 1: Yeah.\n\nChannel 0: Sorry. Go on. Yeah. You've been you've been working your entire life, mate. You know what I mean?\n\nIt's it's about time that you reach the rewards of all that hard work.\n\nChannel 1: Well, that's correct. Yep. I'm getting there.\n\nChannel 0: Exactly. Yeah.\n\nChannel 1: Paperless.\n\nChannel 0: Well, hopefully, we hopefully, we can help you out in achieving those goals because that's our\n\nChannel 1: Six.\n\nChannel 0: job. Yep. So no. That's that's right. That gives me a solid understanding of what you're looking for, and, yeah, I'm fairly sure that we'll be able to, yeah, strategize something, plan something, work it out.\n\nSo thank you for that. I will send you through an email\n\nChannel 1: Yep.\n\nChannel 0: regarding our a little bit to just now that I know more about you, like I said, I wanna show you a little bit more about us, fees, and all\n\nChannel 1: Yep.\n\nChannel 0: that stuff, and some of the compliance as well because we are currently more regulated than the pharmaceutical industry in Australia, which is crazy. But that essentially gives me a it'll give me the opportunity to and you the opportunity to make an informed decision, obviously, on whether you wanna proceed or not. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: I really\n\nChannel 0: Yes. No. You're alright, man. Alright.\n\nChannel 1: yeah. Yeah. No. It's all good, sir.\n\nChannel 0: Yep.\n\nChannel 1: I mean, everything you're doing\n\nChannel 0: Yeah.\n\nChannel 1: from\n\nChannel 0: Yeah.\n\nChannel 1: this gives me an idea of what's going on as well because I had no idea at all.\n\nChannel 0: Yeah. Yeah. No. That's alright. That's alright.\n\nThat's you you're not alone in that department. I can assure you that. We've been doing this for a long time and yeah. This\n\nChannel 1: Yeah.\n\nChannel 0: conversation of what do you wanna achieve, it's a it's a question that nobody really asks themselves. Weird one.\n\nChannel 1: That's great. The the boys the boys put me on to you, and they're very proud of you, and they they think you're good.\n\nChannel 0: Oh, thank you, mate. I really appreciate that. Yeah. He's he's he's he's riding. He's taking his bike up north or something at the moment.\n\nChannel 1: Yeah. He's moving up to Townsville for a little bit. Trying\n\nChannel 0: Yeah.\n\nChannel 1: to take\n\nChannel 0: That's\n\nChannel 1: some\n\nChannel 0: right. That's right. Family. Yep.\n\nChannel 1: Jesse.\n\nChannel 0: Good on him. He's a good he's a good egg. You've you've raised a good kid there. Love this guy. He's a good he's a good man.\n\nOkay. Financial, initial consultation. So are you in front of your computer or phone? Can you open up your\n\nChannel 1: It's on my side at the moment. I don't really get\n\nChannel 0: no.\n\nChannel 1: on the\n\nChannel 0: That's\n\nChannel 1: computer.\n\nChannel 0: alright. No. That's alright. Are you able to put me on loudspeaker? Are you in a private environment so we can talk about this and you can I just need you to look at the document that I'm showing you?\n\nChannel 1: Okay. How do I do that?\n\nChannel 0: Not just the loud speaker. You speak you press the speaker button.\n\nChannel 1: Speak button? Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep. I got that speaker button. John, you're on? Yep. Hello?\n\nChannel 0: Yep. Yep. I'm here. Beautiful. So I can hear you.\n\nSo you wanna go and open up your emails. Do you have your emails in on your phone or beautiful.\n\nChannel 1: Yeah. It should be up my son. Just do that later. Yep.\n\nChannel 0: Beautiful. Now what I'm gonna do here is I'm gonna shoot you through a couple of documents, man. And one of them is actually inclusive of our digital brochure. So that digital brochure will will essentially give you it's it's inter interactive. So if you tap on certain areas, it'll take you to that area in the website so you can look through some further details.\n\nBut more importantly, I wanna go through the financial services guide as well as go through services guide, give you a little bit more of an understanding of the company itself.\n\nChannel 1: Yep.\n\nChannel 0: And I've just sent that through, so you should be receiving that shortly in whenever it's finished going through the up there in the ether web, the cloud, however that works. Yeah. Somewhere up there. But, yeah, let me know when you've received it. Maybe give your maybe give your email a little refresh.\n\nEither a refresh or a yeah. Refresh it or I don't know. Look in your spam. Sometimes it goes to spam if it's a new email address, but we'll just see. It should come to your inbox.\n\nChannel 1: Uh-huh. Okay. It's not coming just yet.\n\nChannel 0: That's right, mate. Take your time.\n\nChannel 1: It's okay. What's it doing?\n\nChannel 0: Yeah. It'll come the subject can be OPU Financial initial consultation, Ross Miles, and it's from myself, Sebi, at OPU Financial.\n\nChannel 1: Alright. Mhmm. Kind of looking at, please. Try. This event has been uploaded.\n\nChange. Yeah. Here. It says open URL, but it won't back in. It won't open for some reason.\n\nCannot\n\nChannel 0: Okay.\n\nChannel 1: cannot load\n\nChannel 0: If\n\nChannel 1: files.\n\nChannel 0: you it's a PDF. So is there any way that you can maybe is it on the bottom of your email, or you should be able to see attachment. Yeah?\n\nChannel 1: Okay. Now it says sign in. Yeah.\n\nChannel 0: Do you need to sign in to your actual account?\n\nChannel 1: Yeah. I think Yeah. I think Sign in.\n\nChannel 0: Yeah. No. That's alright. Well, take your time. Sign on in.\n\nChannel 1: Okay. It should be just my email. Key phone number in there. Just phone number.\n\nChannel 0: Mhmm. I hear we're having some help in the background. Is that your partner or\n\nChannel 1: Yeah.\n\nChannel 0: beautiful. Hey. That's\n\nChannel 1: Yes.\n\nChannel 0: lovely to meet you.\n\nChannel 1: Good day.\n\nChannel 0: No. Virtually\n\nChannel 1: What\n\nChannel 0: meet you,\n\nChannel 1: is\n\nChannel 0: should I\n\nChannel 1: your\n\nChannel 0: say?\n\nChannel 1: email address name? Ross Miles Hotmail dot a u.\n\nChannel 0: Alright. And while we're getting signed in there, I've got your email. I've got your mobile. What is your home address at the moment?\n\nChannel 1: 22 Close.\n\nChannel 0: Yep.\n\nChannel 1: Early Waters.\n\nChannel 0: Sorry. I've I've missed the name of the street.\n\nChannel 1: Blue Moon.\n\nChannel 0: Blue Moon. Beautiful. One word or\n\nChannel 1: Yeah. Blue Moon, one word. Close.\n\nChannel 0: street. Close. Got it. Yep.\n\nChannel 1: Burley Ward.\n\nChannel 0: That's barely 4220\n\nChannel 1: Seven.\n\nChannel 0: 7. Okay. Burley Waters, Queensland. Well, that's\n\nChannel 1: Yep.\n\nChannel 0: all good. One of the seven. Good. Good. And you don't have a PO box or anything like that?\n\nChannel 1: No. No. No.\n\nChannel 0: Beautiful. And your spouse's name? And do you have any dependents running around? That's alright. All good.\n\nAlright. Perfect. And you would say would you say that you're looking at being retired because of the recent recent surgery? Or\n\nChannel 1: Yeah. But, actually.\n\nChannel 0: okay. Beautiful. Amazing. That's qualifications. That is all good.\n\nNow your gross income per annum. So because you're not working, are you gonna are you gonna receive any sort of income from any place this year? Or\n\nChannel 1: Actually, it's unemployment. I don't get it. I get that 824 a fortnight. You\n\nChannel 0: Okay. K. All good. Perfect.\n\nChannel 1: know,\n\nChannel 0: Please proceed.\n\nChannel 1: did they,\n\nChannel 0: Sorry.\n\nChannel 1: bring another spouse sort of thing.\n\nChannel 0: I'm\n\nChannel 1: Yeah.\n\nChannel 0: sorry?\n\nChannel 1: So, like, just my lady friend, Janelle. She's\n\nChannel 0: Yep.\n\nChannel 1: just a last\n\nChannel 0: Gotcha.\n\nChannel 1: friend. Yeah. Yeah.\n\nChannel 0: Lady friends. Not a problem. Perfect. And I've got your house as liabilities. That is all good.\n\nMate, what is your highest and weight at the moment?\n\nChannel 1: Weight's weight is about seventy four kilo. Height's\n\nChannel 0: Yep.\n\nChannel 1: hundred and eighty seven.\n\nChannel 0: Hundred and eighty seven centimeters. Yep. Beautiful. Do you have a power of attorney or, you know, a will or anything like that?\n\nChannel 1: No. I don't have one of those.\n\nChannel 0: That's not a problem at all. And so that that's all good. I've I've pretty much got everything I need, I believe. What is your date of birth?\n\nChannel 1: Sixteen to the six sixty.\n\nChannel 0: Of the sixth nineteen sixty. Beautiful. And you know this day and age, you never know, but I have to ask a question. I am assuming you're a male. Beautiful.\n\nMarital status. You said single, lady, friend, all good. Mate, that is all good. What I'm gonna do is walk you through what's called a it's it's essentially a risk profile questionnaire. Because in understanding that if we were to look at a way to get your superannuation working to a better position to achieve your goals and objectives,\n\nChannel 1: Yep.\n\nChannel 0: I need to\n\nChannel 1: Yep.\n\nChannel 0: make sure that we invested appropriately in line with your tolerance and capacity for risk. Right?\n\nChannel 1: Yep.\n\nChannel 0: So when we talk about this, it's taking we call risk on, risk off. Some of these questions are kind of stupid, but they are made up by the federal government, not us, and the ASIC, the\n\nChannel 1: Yep.\n\nChannel 0: Australian Securities Investment Commission. So I'll run you through a few of them, and then we'll get to the end. I'll give you a risk profile score, and then I'll determine what I believe if you are appropriately invested, by the way you answer these questions, or not. So first one, how would you rate your willingness to take financial risk? Would you say that you're one, a very high risk taker, two, a high risk taker, three, an average risk taker, or four, low risk taker?\n\nChannel 1: I'd say four.\n\nChannel 0: Four, low risk taker. Beautiful. Alright. Now how familiar are you with investment markets? Would you say that you're comfortable with investment knowledge?\n\nWould you say that you're aware that investments fluctuate? Or would you say that you got a very basic understanding?\n\nChannel 1: Very basic understanding.\n\nChannel 0: Understood. And what is the most aggressive investment you've ever made? Have you ever bought direct shares?\n\nChannel 1: No. No. Spice.\n\nChannel 0: No? Okay.\n\nChannel 1: Oh, the bar?\n\nChannel 0: No. That's fair enough. It's a good purchase. Positive. Okay.\n\nThat's all good. Now the next question is gonna do with volatility. So volatility is obviously the fluctuation of your superannuation funds or any investment that goes up, goes down. It's the nature of the beast. So investments can go both up and down in value.\n\nThat's essentially volatility. How much could your investment drop in value over the next twelve months before you start feeling concerned and anxious? K? So if you invest your super with us, let's say, had we invested in something or a whole bunch of things, and it how much could it fall by in twelve months before you start feeling concerned and anxious? One, more than 50%.\n\nTwo, up to 50%. Three, up to 25%. Four up to 10%, five up to 5%.\n\nChannel 1: 25.\n\nChannel 0: 25%. Beautiful. Maybe now after six months, you find that your portfolio has decreased to 20 per decreased by 20%. So you had a $100, now you got 80. Would you, one, invest heavily to expect future growth?\n\nWould you, two, invest a little bit to hopefully dollar cost average and get get a little bit back in return in the recovery? Would you, three, hold and waste improvements after speaking to a financial professional? Or four, you'll tell me to get stuffed and you'd sell everything to cash?\n\nChannel 1: Probably two.\n\nChannel 0: So beautiful. And have you ever had investments including superannuation of a drop in value? And if so, how did it make you feel? Were you optimistic about the future? Were you cautious in not making any more investments, or were you extremely concerned?\n\nChannel 1: I haven't had any\n\nChannel 0: Okay. Beautiful. Beautiful. Beautiful. Okay.\n\nI'm just doing the compliance points over here, mate. Give me a second. Alright. There we go. There we go.\n\nAlright. Once the investments have been placed in force, how long would you need to access in your capital? I'm gonna say you're gonna be kicking for another ten years or so, if not more. Would you agree?\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. And how much risk are you willing to take to get the return you want? Do you want maximum returns regardless of risk? You want moderate risk with good returns? Or do you want safety first and put everything in cash and essentially have inflation either way at your savings?\n\nChannel 1: Safety first.\n\nChannel 0: Alright. Okay. Well, safety first. Cool. Amazing.\n\nThere we go. So now have you ever thought about taking out a loan to invest? So one, you have borrowed or open to borrowing for stocks and funds. Two, have borrowed or open to borrowing for an investment property, but only investment property, not shares. Or five, you would only consider borrowing for your own home.\n\nChannel 1: I'll be I need to find but\n\nChannel 0: Okay. Good. No. That's that's no. That's a good answer.\n\nBeautiful. And based on the way that you answered that last question, how would taking out a loan to invest make you feel? Would you say that you're worried about borrowing due to the significant risks? You say you're hesitant and you're wary of the risks? Or you said that you're comfortable with borrowing for all investments because you just wanna make great return?\n\nChannel 1: Yeah. All investments. Great return.\n\nChannel 0: All investments, great return.\n\nChannel 1: Yep.\n\nChannel 0: Okay. Not a problem. But you said in the previous question that you said you'd only borrow for for a home. Right? So I\n\nChannel 1: Yep.\n\nChannel 0: might I might put you down as you're somewhat comfortable, but you are cautious you're a little bit cautious, but you're comfortable to do it. Yes?\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. Beautiful. Now, mate, you have come out as a 39. That means that you are a balanced growth investor. Man, I think that is absolutely perfect for your agent stage in life.\n\nWhat that means is you're gonna take about 60% or 50 to 60% exposure to direct shares because currently, your superannuation I'll have a look at what your AOT is invested in. It's probably a lot more aggressive than that. It's probably taking about 80% exposure to shares. But right now, if the market were to crash, we wanna try and limit the amount of exposure you have to those markets and increase the exposure of defensive assets like bonds and fixed interest and cash and thing commodities, gold, things like that to get the return so that you won't be affected in the events of some sort of GFC two point o or something. Right?\n\nSo what we wanna do ultimately is try and get you the greater return, but at the same time, reduce the level of exposure and risk you're taking to get that. Okay? So\n\nChannel 1: Yes.\n\nChannel 0: where my and if you agree with them, you're happy with that, what I'd like to do is I'll prepare a strategy based on a return from a superannuation management point of view to, yeah, to pretty much ensure that you you will be invested in a manner that's not only protecting your assets that you've built over time, but will still be getting you an an adequate return to try and be able to sustain your lifestyle out of $700 a week on top of your pension. Okay?\n\nChannel 1: Right. Yep.\n\nChannel 0: Beautiful. And I'll show you what that looks like in our projections. Now did you manage to get the the documents up? Did you manage to log in to your your PDFs\n\nChannel 1: No.\n\nChannel 0: or your\n\nChannel 1: It hasn't\n\nChannel 0: emails?\n\nChannel 1: it hasn't come up. I don't know why.\n\nChannel 0: That's\n\nChannel 1: I\n\nChannel 0: annoying.\n\nChannel 1: get reception where I am too.\n\nChannel 0: Yeah. I can hear that. No. That's okay. That's alright.\n\nSo what I might do is just walk you through it. You've got it. It's also linked to the calendar invite if you wanted to open that up, maybe try and give that a crack. Did you do you have Google Mail, or do you have your do you remember the calendar invite that I sent to you?\n\nChannel 1: I I\n\nChannel 0: If\n\nChannel 1: think\n\nChannel 0: not\n\nChannel 1: it\n\nChannel 0: if not yeah. If not, it's okay. I can just walk you through the fees and the process if you like.\n\nChannel 1: okay. Where is\n\nChannel 0: Beautiful.\n\nChannel 1: it going?\n\nChannel 0: It should be under Oakview Financial somewhere.\n\nChannel 1: It should be after that. I think I'm going to do something else now. I don't know what I'm gonna do. I'm hyped with these bloody fines.\n\nChannel 0: No. No. Technology is amazing when it works, but when it doesn't, it's an iPad. Yep. I completely agree and understand.\n\nAlright. Well, either way, while you're trying to do it, I can I can give you a bit of a little bit of a lay down? So we, as Oaktree Financial, we run our own Australian financial services license. What that means is we've got the same license as the big banks and insurance companies, things like that. And that number is 513068.\n\nYou can search this up on Nasdaq registered or my name. You can look it all up. You what that means essentially is that we can give advice on financial products and strategies across anything we like. We've got no one above us kinda directing what we do. It's a very free license.\n\nAnd I guess the whole reason why we started the company so my business partner, his wife, and I started this company in a garage in Pimpama in hundreds of thousands of dollars worth of debt from an angel investor with no clients and a dream, I guess. And didn't know didn't have any idea how this was gonna end up, but we did it anyway. And now we got about 43 employees and, you know, somehow it works pretty pretty pretty crazy sometimes walking into that office. But, yeah, somehow we did it. So thank the lord for that.\n\nBut, yeah, look, to to give you an idea of where we started and where we are now, we started it with the vision of being the most trusted financial planning firm in Australia. Now to build trust, we gotta build rapport with our clients. We gotta, you know, make sure that we we are doing everything in our capabilities in line with our core values and our clients to make sure that we're achieving their goals, financial goals, support, and objectives for retirement. Right?\n\nChannel 1: Yep.\n\nChannel 0: That's why I wanted to determine what that look like for you. So in order to build that trust, we wanted to essentially work out one one of fee structure to be able to maintain conversations instead of having to pay every time. And secondly, to be the most trusted, we've got to yeah. We wanted to do that by upholding our mission, which is to provide long term holistic strategies to couples, families, and individuals like yourself. So, yep, you are perfectly within our target market determination.\n\nAnd, yep, I guess from from there, we wanted to it was during the Hayden Royal Commission when we started it into banking and finance, and maybe there are a lot of people doing the wrong thing. But there's a few of us that are trying to do the right thing, and that's why we started the company. So, usually, how it works is boutique firms like ourselves. They work underneath a license, an AFSL, which looks like they it's called a corporate authorized representative. So they work with a company that's licensed by, say, CommBank.\n\nThere's one of CBA's, one of them. So if I'm working I'm I'm licensed under CommBank, I wouldn't be, like, likely to recommend Westpac products. Right? Not\n\nChannel 1: No.\n\nChannel 0: because it's in the best interest of the clients, but because it's in the best interest of my principal and because they get comms and they get no commission. They get paid on all their products. Right? Not Westpac. So that's a direct conflict to me.\n\nIf you're a product maker, I don't believe you should be a product provider, like a product recommender because you're\n\nChannel 1: Yep.\n\nChannel 0: gonna recommend your own products, obviously. So to be able to be you know what I mean? So if if if Westpac's product for you, for instance, is a better product for you, it's cheaper in every way, it's better. But I'm only restricted to recommend what my principal\n\nChannel 1: Yep.\n\nChannel 0: tells me to, then, you know, it's not looking after your best interest, is it? It's looking after theirs. So in order to get around that, we needed to apply for our own AFSL and be able to, yeah, be be in a position to be able to recommend any product on the market, whatever we wanted for our clients. And we got it. So that\n\nChannel 1: Yep.\n\nChannel 0: gives you a bit of a background. Essentially, from here, what we're gonna do is we we do the initial client consult. So we've already done that and get an understanding of you. You understand us. We do the fact find risk profile, and then what we do is we will we will book in another time where I will present to you a client's advice presentation, which is what's called a statement of advice.\n\nSo legally binding documents that outlines all of our recommendations and gives you an understanding. It protects you. It also protects us to make sure that what we say is on pay pen and paper, and you've got a copy. I've got a copy. So if anything goes tits up, you know, it's it's you you're you're covered as well because we've given that advice under our licenses.\n\nSo when an adviser becomes licensed under an appraisal or with ASIC and the federal government, we get a number. Mine's 1259315, and that sticks with us\n\nChannel 1: Yep.\n\nChannel 0: for life to make sure that we don't have any, like, banning or disqualifications or anything like that, k, which I do not. And you can search that up if you like, if you did wanna read some boring stuff. But, yeah, I've got and then after we present that statement of your advice and you understand that we can get you in a better position, because if I can't, I'll be the first one to call you and say, look, the only person that's gonna win if you come forward as a client is me because you're gonna go backwards and I'm gonna get paid fees. And that's not what\n\nChannel 1: Yeah.\n\nChannel 0: we're about.\n\nChannel 1: No.\n\nChannel 0: Alright? So but if we can get you in a better position, we'll go you through the statement of advice, give you an idea of what's going on, what we're recommending, why it benefits you, the risks, the advantages, disadvantages, all the stuff. And after that, you can say yay or nay. You told me to go away, get fucked, because you don't like it, don't like me, whatever it is. And that's fine.\n\nAnd that's completely complimentary. We don't charge anything until you actually come on board as a client and see the value in our services. So\n\nChannel 1: Yes.\n\nChannel 0: part of that value is all of those fees are included inside our projections to show you the outcome as well as well as inflation. Okay? Now from there, you give us what's called an ATP. You say, yep. I wanna go ahead.\n\nYou'll sign what's called an ATP authority to proceed. That authority to proceed will essentially be we will then implement that strategy, whatever it looks like. And then we are definitely not a set and forget kind of place because we like trust. We wanna build amongst it, and we'll do a quarterly update and do a full comprehensive annual review every year to make sure that you're still achieving your goals. Yeah?\n\nChannel 1: Perfect. Yeah.\n\nChannel 0: Perfect. Now the way we charge, we do charge a professional service fee because we are a professional service, and I like to get paid. I've got people to pay too and keep the lights on and all that. But there's different stages, mate. You are essentially in what's called the seeding stage.\n\nSo you're you're gonna reap the rewards of everything that you worked hard for. You've you've completed your journey well done, and we're gonna try and get you to retire in style and look at some sort of way to forward your lifestyle. But not only that, we're looking into generational wealth as well when your time comes to fall off your perch, shall we say. Alright?\n\nChannel 1: Yeah.\n\nChannel 0: So once you once that's all complimentary, but when you do proceed, we do charge a fee, and that is $4,950. That will get taken out of your superannuation. So we've\n\nChannel 1: Yep.\n\nChannel 0: managed to work out a way to not charge anything out of your back pocket. We can we will only charge our super it's tax effective so that you you've only paid 15¢ of the on the dollar going in rather than your marginal\n\nChannel 1: Yep.\n\nChannel 0: tax rate. So it's more tax effective, and it doesn't and it doesn't come out of your back pocket. It doesn't you don't feel it at all. And part of so that's the upfront just to for my time and everybody else's, but\n\nChannel 1: Yep.\n\nChannel 0: as well as the statement of advice. But moving forward, again, going back from that trust vision, we charge a percentage based fee on your assets. One, because if your funds go up, we get paid more, which is incentive for me. But if your funds\n\nChannel 1: Yep.\n\nChannel 0: go down, we get paid less. That is not gonna make either of us happy. Right? So we kind of we we have a relationship where we both wanna do good. Right?\n\nChannel 1: No. Yep.\n\nChannel 0: Yep. So it's a it's a tiered structure. So for the first 200,000, we charge 1.65%. So one point one point five plus GST.\n\nChannel 1: Yep.\n\nChannel 0: And then after 200,000, if we build your balance above 200,000 to 500,000, it drops to 1.375.\n\nChannel 1: Yep.\n\nChannel 0: And then from 500,000 to a million, it's 1.1. And then a million onwards, you're looking at 0.825. K? So we tier it like a like a tax brackets. You stop, and then we'll reduce it down.\n\nK? So that's that's a little bit more about the fees. But, again, I'll show you all those fees in the SOA, and we'll we'll include those in all projections. Do you have any questions about those fees? Does that make sense?\n\nOr\n\nChannel 1: No. It all makes sense. Yeah. No.\n\nChannel 0: beautiful. And because we run our own air parcel, that's we receive a 100% of those commissions. Outside of that, the last thing I wanna touch on is the complaints handling process. So what happens if you invest your money with me and I run away to, I don't know, The Bahamas and drink pina coladas with your money, you would be you wouldn't be very happy with me. So\n\nChannel 1: No.\n\nChannel 0: there's there's there's processes in in in this there's certain events, I guess. So if you're looking at some sort of thing like that, it hasn't happened. I've been doing this for a long time. But if it does, for whatever reason, then what you do is you go through firstly an internal dispute resolution process, which is IDR, and then after that, an external dispute resolution. If the IDR doesn't you don't get the right outcome that you're looking for.\n\nSo that IDI is essentially getting in touch with the AFSL, the principal license, which is us, and you speak to the responsible manager of the firm, which is me. But I'm gonna be in the I'm gonna be in The Bahamas drinking pina coladas with your money. So you probably wanna wanna speak to me even if I picked up. So for that and for that reason, we've also got Bart. So Bart Ryan is the bit my business partner.\n\nHe's more back of house and doesn't practice. So he'll be there to have a chat. And look, we're pretty reasonable. Just just let us know what's going on. We're happy to help out.\n\nDo what we can. But if but if for some reason you yeah. If for some reason you, I guess, yeah, if he tells you to get stuff and wants to come join me in The Bahamas and drink peanut coladas money, then you then you've got a external dispute resolution for us, which is you go to AFSCA. They call it AFSCA, the Australian Financial Complaints Authority, and they're pretty much our ombudsman. They love it.\n\nThey'll get in touch with us and absolutely yeah. They make our lives hell. We\n\nChannel 1: Yep.\n\nChannel 0: are fortunate enough to be doing this for almost a decade, and only have two formal complaints, both of which were crushed because they weren't didn't make sense. And people just you know, people get touchy about their money. And when markets fall, everybody feels it, but some people like to\n\nChannel 1: Yes.\n\nChannel 0: complain, but that's a part of the process.\n\nChannel 1: It is. Yep.\n\nChannel 0: So yeah. Correct. It goes up to nothing. It's the nature of the beast. So but there is that solution there.\n\nAnd in those documents, you can find it on our website as well. That number and email address for Africa is there. Like I said, that won't happen. But if you are upset about something or just just just rude for whatever reason, then by all means, mate, just by all means, mate, just just give me a call. I'm happy to have a chat.\n\nYou know, we refund,\n\nChannel 1: Yep.\n\nChannel 0: do whatever whatever it is. Not like that. Does that all make sense?\n\nChannel 1: Definitely. Yep.\n\nChannel 0: Beautiful. Do you have any questions or concerns before we book in the time? Or\n\nChannel 1: No. Not really. No.\n\nChannel 0: beautiful. I'm pretty booked up. What about a couple weeks time? Do you reckon maybe Monday, the fourteenth, would be a good time? Or\n\nChannel 1: Yep. That sounds\n\nChannel 0: or, actually, maybe even\n\nChannel 1: good\n\nChannel 0: bring it a little bit closer. Do you\n\nChannel 1: to\n\nChannel 0: reckon oh, no. I will do. We'll do Monday, the fourteenth. Do you wanna go 1PM or twelve noon?\n\nChannel 1: me. 1PM.\n\nChannel 0: 1PM it is? Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: I'll send you another calendar invite, and, Nate, thank you for your time. Absolute pleasure, and\n\nChannel 1: Yep.\n\nChannel 0: thank you for reaching oh, thanks, Scotty, for getting us in touch. I'll get working on this plan and try to see what we can do to get that goal of $700 a week\n\nChannel 1: Yep.\n\nChannel 0: in retirement by '67. And yeah. Look. Until then, mate, I'll speak to you in a couple of weeks. Oh, what I will also do is I need your superannuation statements and a picture of the front and the back of your driver's license.\n\nAm I able to send you an email? Can you send that through to me?\n\nChannel 1: Yep. I can do that to you.\n\nChannel 0: Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: I'll shoot you an email as soon as we finish this conversation, and, yeah, we'll go from there.\n\nChannel 1: Alright then. Thank you so much, Jenny.\n\nChannel 0: Yep. No worries, mate. Speak to you soon. Bye.\n\nChannel 1: Thank you. Bye bye.\n\nChannel 0: Yep. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.03193363547325134}],"sentiment":"neutral","sentiment_score":0.03193363547325134,"channel":1,"num_words":1,"start":0.64,"end":1.14},{"sentences":[{"text":"Ross, mate.","start":2.1599998,"end":2.72,"sentiment":"neutral","sentiment_score":0.05810672044754028},{"text":"Sevi's out of calling OP Financial.","start":2.72,"end":4.5,"sentiment":"neutral","sentiment_score":0.0925334816177686},{"text":"How are you?","start":4.64,"end":5.46,"sentiment":"neutral","sentiment_score":0.11833893011013667}],"sentiment":"neutral","sentiment_score":0.09331192008473656,"channel":0,"num_words":11,"start":2.1599998,"end":5.46},{"sentences":[{"text":"Alright.","start":5.68,"end":6.08,"sentiment":"neutral","sentiment_score":0.20334646105766296},{"text":"Thank you.","start":6.08,"end":6.48,"sentiment":"positive","sentiment_score":0.4318433105945587},{"text":"Yourself?","start":6.48,"end":6.98,"sentiment":"neutral","sentiment_score":0.19327913224697113}],"sentiment":"neutral","sentiment_score":0.3150780536234379,"channel":1,"num_words":4,"start":5.68,"end":6.98},{"sentences":[{"text":"Yeah.","start":7.3599997,"end":7.68,"sentiment":"neutral","sentiment_score":0.0963996946811676},{"text":"I'm very well, man.","start":7.68,"end":8.48,"sentiment":"neutral","sentiment_score":0.11196623928844929},{"text":"I've just been dealing with a a car crash client, and I do apologize.","start":8.48,"end":13.04,"sentiment":"neutral","sentiment_score":-0.2525583431124687},{"text":"I'm so glad that Maddie reached out to you, asked her to postpone this.","start":13.04,"end":16.375,"sentiment":"neutral","sentiment_score":-0.2127505908054965},{"text":"I yeah.","start":16.375,"end":17.755,"sentiment":"neutral","sentiment_score":-0.2503608912229538}],"sentiment":"neutral","sentiment_score":-0.1848794915846416,"channel":0,"num_words":35,"start":7.3599997,"end":17.755},{"sentences":[{"text":"When we deal with insurances, unfortunately, you you know, you gotta deal with the bad side of it as well as when family members call you up, it's, yeah, it's not ideal.","start":18.055,"end":26.715,"sentiment":"negative","sentiment_score":-0.3921145284548402},{"text":"So I do apologize.","start":27.0,"end":28.12,"sentiment":"neutral","sentiment_score":-0.3005917817354202},{"text":"It's the second time in a row, and it's not acceptable, and I apologize, mate.","start":28.12,"end":31.98,"sentiment":"negative","sentiment_score":-0.477023184299469}],"sentiment":"negative","sentiment_score":-0.40990940788212943,"channel":0,"num_words":51,"start":18.055,"end":31.98},{"sentences":[{"text":"Go over, buddy.","start":32.6,"end":33.5,"sentiment":"neutral","sentiment_score":0.02341425543030103}],"sentiment":"neutral","sentiment_score":0.02341425543030103,"channel":1,"num_words":3,"start":32.6,"end":33.5},{"sentences":[{"text":"Now, I do have time.","start":34.2,"end":36.04,"sentiment":"neutral","sentiment_score":0.08118107169866562},{"text":"I do wanna run through a bit of a fact find and a risk profile, give you an idea about us as well, and then book in some time to go through the statement of advice and recommendations.","start":36.04,"end":45.335,"sentiment":"neutral","sentiment_score":0.14452633026399112},{"text":"So, yeah, I guess the the from an itinerary point of view, you know, you we I like to get an idea of what you're looking for and see if we can assist in any way.","start":46.594997,"end":55.414997,"sentiment":"neutral","sentiment_score":0.1975106027805143},{"text":"And then, yeah, from there, we'll go to you know, after lunch, a little bit more about you, I'll show you a little bit more about us.","start":56.559998,"end":62.64,"sentiment":"neutral","sentiment_score":0.14175597799045067},{"text":"And then I'll go","start":62.64,"end":63.28,"sentiment":"neutral","sentiment_score":0.07887166738510132}],"sentiment":"neutral","sentiment_score":0.15591986985369163,"channel":0,"num_words":110,"start":34.2,"end":63.28},{"sentences":[{"text":"Yes.","start":63.14,"end":63.64,"sentiment":"neutral","sentiment_score":0.09118933230638504}],"sentiment":"neutral","sentiment_score":0.09118933230638504,"channel":1,"num_words":1,"start":63.14,"end":63.64},{"sentences":[{"text":"through a bit of fact find risk profile, and then we'll go from there.","start":63.28,"end":66.479996,"sentiment":"neutral","sentiment_score":0.08844642607229096},{"text":"Right?","start":66.479996,"end":66.979996,"sentiment":"neutral","sentiment_score":0.06453811377286911}],"sentiment":"neutral","sentiment_score":0.08685253858566284,"channel":0,"num_words":15,"start":63.28,"end":66.979996},{"sentences":[{"text":"Okay.","start":67.54,"end":68.04,"sentiment":"neutral","sentiment_score":0.14987994730472565}],"sentiment":"neutral","sentiment_score":0.14987994730472565,"channel":1,"num_words":1,"start":67.54,"end":68.04},{"sentences":[{"text":"Beautiful.","start":68.935005,"end":69.255005,"sentiment":"neutral","sentiment_score":0.2721143960952759},{"text":"So what what exactly I think my I think Scottie said something about superannuation.","start":69.255005,"end":73.435,"sentiment":"neutral","sentiment_score":0.016162875374513015},{"text":"Right?","start":73.895004,"end":74.395004,"sentiment":"neutral","sentiment_score":0.013486339710652828}],"sentiment":"neutral","sentiment_score":0.03199256194056943,"channel":0,"num_words":16,"start":68.935005,"end":74.395004},{"sentences":[{"text":"That's correct.","start":74.565,"end":75.365005,"sentiment":"neutral","sentiment_score":-0.00008176080882549286},{"text":"I don't have a lot","start":75.365005,"end":76.245,"sentiment":"neutral","sentiment_score":-0.06867050305008889}],"sentiment":"neutral","sentiment_score":-0.049073719552585056,"channel":1,"num_words":7,"start":74.565,"end":76.245},{"sentences":[{"text":"Okay.","start":76.135,"end":76.635,"sentiment":"neutral","sentiment_score":-0.027947336435317993}],"sentiment":"neutral","sentiment_score":-0.027947336435317993,"channel":0,"num_words":1,"start":76.135,"end":76.635},{"sentences":[{"text":"in superannuation, but I have I think that's a 130 or something.","start":76.245,"end":80.61,"sentiment":"neutral","sentiment_score":-0.028000640061994393}],"sentiment":"neutral","sentiment_score":-0.028000640061994393,"channel":1,"num_words":12,"start":76.245,"end":80.61},{"sentences":[{"text":"Okay.","start":81.335,"end":81.495,"sentiment":"neutral","sentiment_score":0.006235474720597267},{"text":"Okay.","start":81.495,"end":81.815,"sentiment":"neutral","sentiment_score":0.005745996721088886},{"text":"So a 130 k.","start":81.815,"end":82.935,"sentiment":"neutral","sentiment_score":-0.00011200871085748076},{"text":"And is it just around, you know, what's what's you're looking to do with it?","start":82.935,"end":88.21,"sentiment":"neutral","sentiment_score":-0.009112087978670995},{"text":"Do you wanna 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moment?","start":1197.305,"end":1199.325,"sentiment":"neutral","sentiment_score":-0.007193308183923363}],"sentiment":"neutral","sentiment_score":-0.007193308183923363,"channel":0,"num_words":10,"start":1197.305,"end":1199.325},{"sentences":[{"text":"Weight's weight is about seventy four kilo.","start":1200.22,"end":1202.615,"sentiment":"neutral","sentiment_score":-0.004315889349007713},{"text":"Height's","start":1203.0751,"end":1203.5751,"sentiment":"neutral","sentiment_score":0.0075659602880477905}],"sentiment":"neutral","sentiment_score":-0.002830658144375775,"channel":1,"num_words":8,"start":1200.22,"end":1203.5751},{"sentences":[{"text":"Yep.","start":1203.545,"end":1204.045,"sentiment":"neutral","sentiment_score":0.007648393511772156}],"sentiment":"neutral","sentiment_score":0.007648393511772156,"channel":0,"num_words":1,"start":1203.545,"end":1204.045},{"sentences":[{"text":"hundred and eighty seven.","start":1204.5951,"end":1205.8151,"sentiment":"neutral","sentiment_score":0.007897963863797486}],"sentiment":"neutral","sentiment_score":0.007897963863797486,"channel":1,"num_words":4,"start":1204.5951,"end":1205.8151},{"sentences":[{"text":"Hundred and eighty seven centimeters.","start":1206.6499,"end":1208.2699,"sentiment":"neutral","sentiment_score":0.007799560856074095},{"text":"Yep.","start":1208.4099,"end":1208.73,"sentiment":"neutral","sentiment_score":0.06939321756362915},{"text":"Beautiful.","start":1208.73,"end":1209.23,"sentiment":"neutral","sentiment_score":0.23822784423828125},{"text":"Do you have a power of attorney or, you know, a will or anything like that?","start":1209.45,"end":1213.5499,"sentiment":"neutral","sentiment_score":0.040074869291856885}],"sentiment":"neutral","sentiment_score":0.04294855542399961,"channel":0,"num_words":23,"start":1206.6499,"end":1213.5499},{"sentences":[{"text":"No.","start":1213.795,"end":1213.9551,"sentiment":"neutral","sentiment_score":-0.03030252456665039},{"text":"I don't have one of those.","start":1213.9551,"end":1215.3351,"sentiment":"neutral","sentiment_score":-0.04591367952525616}],"sentiment":"neutral","sentiment_score":-0.04368351453116962,"channel":1,"num_words":7,"start":1213.795,"end":1215.3351},{"sentences":[{"text":"That's not a problem at all.","start":1215.5299,"end":1217.21,"sentiment":"neutral","sentiment_score":0.1603583296140035},{"text":"And so that that's all good.","start":1217.21,"end":1219.45,"sentiment":"neutral","sentiment_score":0.2537945732474327},{"text":"I've I've pretty much got everything I need, I believe.","start":1219.45,"end":1222.2699,"sentiment":"neutral","sentiment_score":0.1783682145178318},{"text":"What is your date of birth?","start":1222.755,"end":1224.055,"sentiment":"neutral","sentiment_score":0.01840293329829971}],"sentiment":"neutral","sentiment_score":0.1563934700763119,"channel":0,"num_words":28,"start":1215.5299,"end":1224.055},{"sentences":[{"text":"Sixteen to the six sixty.","start":1224.78,"end":1226.56,"sentiment":"neutral","sentiment_score":0.01432912815362215}],"sentiment":"neutral","sentiment_score":0.01432912815362215,"channel":1,"num_words":5,"start":1224.78,"end":1226.56},{"sentences":[{"text":"Of the sixth nineteen sixty.","start":1227.875,"end":1229.735,"sentiment":"neutral","sentiment_score":0.017351346276700496},{"text":"Beautiful.","start":1229.875,"end":1230.375,"sentiment":"neutral","sentiment_score":0.23222936689853668},{"text":"And you know this day and age, you never know, but I have to ask a question.","start":1230.675,"end":1233.635,"sentiment":"neutral","sentiment_score":0.012855271644452038},{"text":"I am assuming you're a male.","start":1233.635,"end":1235.255,"sentiment":"neutral","sentiment_score":-0.004262696408356229},{"text":"Beautiful.","start":1237.0499,"end":1237.53,"sentiment":"neutral","sentiment_score":0.24592462182044983}],"sentiment":"neutral","sentiment_score":0.025262471986934543,"channel":0,"num_words":30,"start":1227.875,"end":1237.53},{"sentences":[{"text":"Marital status.","start":1237.53,"end":1238.33,"sentiment":"neutral","sentiment_score":0.10990247875452042},{"text":"You said single, lady, friend, all good.","start":1238.33,"end":1240.67,"sentiment":"neutral","sentiment_score":0.16557499659912928},{"text":"Mate, that is all good.","start":1240.89,"end":1243.21,"sentiment":"neutral","sentiment_score":0.24331251084804534},{"text":"What I'm gonna do is walk you through what's called a it's it's essentially a risk profile questionnaire.","start":1243.21,"end":1249.45,"sentiment":"neutral","sentiment_score":0.018825659114453528},{"text":"Because in understanding that if we were to look at a way to get your superannuation working to a better position to achieve your goals and objectives,","start":1249.45,"end":1256.4049,"sentiment":"neutral","sentiment_score":0.032554546302115475}],"sentiment":"neutral","sentiment_score":0.06463096783322803,"channel":0,"num_words":59,"start":1237.53,"end":1256.4049},{"sentences":[{"text":"Yep.","start":1256.61,"end":1257.0901,"sentiment":"neutral","sentiment_score":0.01862827315926552}],"sentiment":"neutral","sentiment_score":0.01862827315926552,"channel":1,"num_words":1,"start":1256.61,"end":1257.0901},{"sentences":[{"text":"I need to","start":1256.705,"end":1257.105,"sentiment":"neutral","sentiment_score":0.004570527623097102}],"sentiment":"neutral","sentiment_score":0.004570527623097102,"channel":0,"num_words":3,"start":1256.705,"end":1257.105},{"sentences":[{"text":"Yep.","start":1257.0901,"end":1257.5901,"sentiment":"neutral","sentiment_score":0.00030313682509586215}],"sentiment":"neutral","sentiment_score":0.00030313682509586215,"channel":1,"num_words":1,"start":1257.0901,"end":1257.5901},{"sentences":[{"text":"make sure that we invested appropriately in line with your tolerance and capacity for risk.","start":1257.105,"end":1261.6849,"sentiment":"neutral","sentiment_score":0.029205966368317605},{"text":"Right?","start":1261.825,"end":1262.225,"sentiment":"neutral","sentiment_score":0.007363142445683479}],"sentiment":"neutral","sentiment_score":0.02784078987315297,"channel":0,"num_words":16,"start":1257.105,"end":1262.225},{"sentences":[{"text":"Yep.","start":1262.185,"end":1262.685,"sentiment":"neutral","sentiment_score":0.00538993813097477}],"sentiment":"neutral","sentiment_score":0.00538993813097477,"channel":1,"num_words":1,"start":1262.185,"end":1262.685},{"sentences":[{"text":"So when we talk about this, it's taking we call risk on, risk off.","start":1262.225,"end":1266.18,"sentiment":"neutral","sentiment_score":-0.021783745182412013},{"text":"Some of these questions are kind of stupid, but they are made up by the federal government, not us, and the ASIC, the","start":1266.42,"end":1272.42,"sentiment":"neutral","sentiment_score":-0.056073982511525566}],"sentiment":"neutral","sentiment_score":-0.043099298116725845,"channel":0,"num_words":37,"start":1262.225,"end":1272.42},{"sentences":[{"text":"Yep.","start":1272.185,"end":1272.48,"sentiment":"neutral","sentiment_score":-0.018186859786510468}],"sentiment":"neutral","sentiment_score":-0.018186859786510468,"channel":1,"num_words":1,"start":1272.185,"end":1272.48},{"sentences":[{"text":"Australian Securities Investment Commission.","start":1272.42,"end":1274.4401,"sentiment":"neutral","sentiment_score":-0.02718791551887989},{"text":"So I'll run you through a few of them, and then we'll get to the end.","start":1274.5,"end":1277.54,"sentiment":"neutral","sentiment_score":0.028323931386694312},{"text":"I'll give you a risk profile score, and then I'll determine what I believe if you are appropriately invested, by the way you answer these questions, or not.","start":1277.54,"end":1286.265,"sentiment":"neutral","sentiment_score":0.03476865982104625},{"text":"So first one, how would you rate your willingness to take financial risk?","start":1286.485,"end":1290.805,"sentiment":"neutral","sentiment_score":0.010908181349245401},{"text":"Would you say that you're one, a very high risk taker, two, a high risk taker, three, an average risk taker, or four, low risk taker?","start":1290.805,"end":1296.6,"sentiment":"neutral","sentiment_score":-0.003799898098804988}],"sentiment":"neutral","sentiment_score":0.01564324967899017,"channel":0,"num_words":87,"start":1272.42,"end":1296.6},{"sentences":[{"text":"I'd say four.","start":1297.795,"end":1298.855,"sentiment":"neutral","sentiment_score":0.0070059521434207754}],"sentiment":"neutral","sentiment_score":0.0070059521434207754,"channel":1,"num_words":3,"start":1297.795,"end":1298.855},{"sentences":[{"text":"Four, low risk 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understanding?","start":1309.215,"end":1311.5549,"sentiment":"neutral","sentiment_score":0.014892391860485077}],"sentiment":"neutral","sentiment_score":0.018049469124525784,"channel":0,"num_words":20,"start":1306.76,"end":1311.5549},{"sentences":[{"text":"Very basic understanding.","start":1312.39,"end":1313.61,"sentiment":"neutral","sentiment_score":0.031400019923845925}],"sentiment":"neutral","sentiment_score":0.031400019923845925,"channel":1,"num_words":3,"start":1312.39,"end":1313.61},{"sentences":[{"text":"Understood.","start":1314.4149,"end":1314.9149,"sentiment":"neutral","sentiment_score":-0.07090505957603455},{"text":"And what is the most aggressive investment you've ever made?","start":1315.5349,"end":1318.975,"sentiment":"neutral","sentiment_score":-0.019986021611839534},{"text":"Have you ever bought direct shares?","start":1318.975,"end":1320.595,"sentiment":"neutral","sentiment_score":-0.009129021782428026}],"sentiment":"neutral","sentiment_score":-0.01914937684641165,"channel":0,"num_words":17,"start":1314.4149,"end":1320.595},{"sentences":[{"text":"No.","start":1321.765,"end":1322.245,"sentiment":"neutral","sentiment_score":-0.1261554658412933},{"text":"No.","start":1322.245,"end":1322.7251,"sentiment":"neutral","sentiment_score":-0.12641869485378265},{"text":"Spice.","start":1322.7251,"end":1323.2251,"sentiment":"neutral","sentiment_score":-0.08783751726150513}],"sentiment":"neutral","sentiment_score":-0.11347055931886037,"channel":1,"num_words":3,"start":1321.765,"end":1323.2251},{"sentences":[{"text":"No?","start":1322.895,"end":1323.215,"sentiment":"neutral","sentiment_score":-0.08235412836074829},{"text":"Okay.","start":1323.215,"end":1323.715,"sentiment":"neutral","sentiment_score":-0.004056647419929504}],"sentiment":"neutral","sentiment_score":-0.0432053878903389,"channel":0,"num_words":2,"start":1322.895,"end":1323.715},{"sentences":[{"text":"Oh, the bar?","start":1324.245,"end":1325.0651,"sentiment":"neutral","sentiment_score":0.00038114873071511585}],"sentiment":"neutral","sentiment_score":0.00038114873071511585,"channel":1,"num_words":3,"start":1324.245,"end":1325.0651},{"sentences":[{"text":"No.","start":1326.71,"end":1326.87,"sentiment":"neutral","sentiment_score":-0.0005989931523799896},{"text":"That's fair enough.","start":1326.87,"end":1327.6699,"sentiment":"neutral","sentiment_score":0.1691795438528061},{"text":"It's a good purchase.","start":1327.6699,"end":1328.6499,"sentiment":"positive","sentiment_score":0.49250710755586624},{"text":"Positive.","start":1329.4299,"end":1329.9299,"sentiment":"positive","sentiment_score":0.40929561853408813},{"text":"Okay.","start":1330.5499,"end":1330.95,"sentiment":"neutral","sentiment_score":0.29183074831962585}],"sentiment":"neutral","sentiment_score":0.31780944354832175,"channel":0,"num_words":10,"start":1326.71,"end":1330.95},{"sentences":[{"text":"That's all 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volatility.","start":1343.805,"end":1345.185,"sentiment":"neutral","sentiment_score":-0.17109360794226328},{"text":"How much could your investment drop in value over the next twelve months before you start feeling concerned and anxious?","start":1345.405,"end":1353.185,"sentiment":"neutral","sentiment_score":-0.29389054626226424},{"text":"K?","start":1353.9651,"end":1354.2051,"sentiment":"neutral","sentiment_score":-0.14621686935424805},{"text":"So if you invest your super with us, let's say, had we invested in something or a whole bunch of things, and it how much could it fall by in twelve months before you start feeling concerned and anxious?","start":1354.2051,"end":1364.8201,"sentiment":"neutral","sentiment_score":-0.11007932898325798},{"text":"One, more than 50%.","start":1364.8201,"end":1366.42,"sentiment":"neutral","sentiment_score":-0.0802504476159811}],"sentiment":"neutral","sentiment_score":-0.16643886924234788,"channel":0,"num_words":67,"start":1343.805,"end":1366.42},{"sentences":[{"text":"Two, up to 50%.","start":1366.42,"end":1367.9401,"sentiment":"neutral","sentiment_score":-0.02323353267274797},{"text":"Three, up to 25%.","start":1367.9401,"end":1369.56,"sentiment":"neutral","sentiment_score":-0.012626042356714606},{"text":"Four up to 10%, five up to 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future?","start":1418.2999,"end":1420.46,"sentiment":"neutral","sentiment_score":-0.03945431609948476},{"text":"Were you cautious in not making any more investments, or were you extremely concerned?","start":1420.46,"end":1424.5599,"sentiment":"neutral","sentiment_score":-0.2964923179575375}],"sentiment":"neutral","sentiment_score":-0.0971092358654873,"channel":0,"num_words":44,"start":1408.485,"end":1424.5599},{"sentences":[{"text":"I haven't had any","start":1425.645,"end":1426.945,"sentiment":"neutral","sentiment_score":-0.12794303707778454}],"sentiment":"neutral","sentiment_score":-0.12794303707778454,"channel":1,"num_words":4,"start":1425.645,"end":1426.945},{"sentences":[{"text":"Okay.","start":1428.2051,"end":1428.605,"sentiment":"neutral","sentiment_score":-0.008384905755519867},{"text":"Beautiful.","start":1428.605,"end":1429.105,"sentiment":"positive","sentiment_score":0.44028934836387634},{"text":"Beautiful.","start":1429.9651,"end":1430.4651,"sentiment":"positive","sentiment_score":0.4701035022735596},{"text":"Beautiful.","start":1434.685,"end":1435.005,"sentiment":"positive","sentiment_score":0.4297608733177185},{"text":"Okay.","start":1435.005,"end":1435.3251,"sentiment":"neutral","sentiment_score":0.14609646797180176}],"sentiment":"neutral","sentiment_score":0.2955730572342873,"channel":0,"num_words":5,"start":1428.2051,"end":1435.3251},{"sentences":[{"text":"I'm just doing the compliance points over here, mate.","start":1435.3251,"end":1437.885,"sentiment":"neutral","sentiment_score":0.10371579064263238},{"text":"Give me a second.","start":1437.885,"end":1438.785,"sentiment":"neutral","sentiment_score":0.020976084284484386},{"text":"Alright.","start":1438.925,"end":1439.425,"sentiment":"neutral","sentiment_score":0.04356726258993149},{"text":"There we go.","start":1440.9801,"end":1441.62,"sentiment":"neutral","sentiment_score":0.03912216300765673},{"text":"There we go.","start":1441.62,"end":1442.4401,"sentiment":"neutral","sentiment_score":0.024663657570878666}],"sentiment":"neutral","sentiment_score":0.06261355886235834,"channel":0,"num_words":20,"start":1435.3251,"end":1442.4401},{"sentences":[{"text":"Alright.","start":1443.7001,"end":1444.1001,"sentiment":"neutral","sentiment_score":0.03301563858985901},{"text":"Once the investments have been placed in force, how long would you need to access in your capital?","start":1444.1001,"end":1448.1001,"sentiment":"neutral","sentiment_score":-0.008101020577467151},{"text":"I'm gonna say you're gonna be kicking for another ten years or so, if not more.","start":1448.1001,"end":1452.04,"sentiment":"neutral","sentiment_score":-0.0673765572719276},{"text":"Would you agree?","start":1452.1001,"end":1453.0,"sentiment":"neutral","sentiment_score":0.01905420112113158}],"sentiment":"neutral","sentiment_score":-0.02983329065242096,"channel":0,"num_words":38,"start":1443.7001,"end":1453.0},{"sentences":[{"text":"Yes.","start":1453.575,"end":1454.075,"sentiment":"neutral","sentiment_score":0.11075536161661148}],"sentiment":"neutral","sentiment_score":0.11075536161661148,"channel":1,"num_words":1,"start":1453.575,"end":1454.075},{"sentences":[{"text":"Beautiful.","start":1455.1649,"end":1455.645,"sentiment":"neutral","sentiment_score":0.3137822449207306},{"text":"And how much risk are you willing to take to get the return you want?","start":1455.645,"end":1459.485,"sentiment":"neutral","sentiment_score":0.084771516174078},{"text":"Do you want maximum returns regardless of risk?","start":1459.485,"end":1461.8049,"sentiment":"neutral","sentiment_score":0.047239535953849554},{"text":"You want moderate risk with good returns?","start":1461.8049,"end":1463.885,"sentiment":"neutral","sentiment_score":0.060438212539468496},{"text":"Or do you want safety first and put everything in cash and essentially have inflation either way at your savings?","start":1463.885,"end":1469.19,"sentiment":"neutral","sentiment_score":0.019019766710698605}],"sentiment":"neutral","sentiment_score":0.054249688179469575,"channel":0,"num_words":51,"start":1455.1649,"end":1469.19},{"sentences":[{"text":"Safety 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go.","start":1477.4299,"end":1478.49,"sentiment":"neutral","sentiment_score":0.22183669110139212},{"text":"So now have you ever thought about taking out a loan to invest?","start":1478.7899,"end":1482.945,"sentiment":"neutral","sentiment_score":0.03486554152690447},{"text":"So one, you have borrowed or open to borrowing for stocks and funds.","start":1483.4249,"end":1487.125,"sentiment":"neutral","sentiment_score":0.0024182602333334777},{"text":"Two, have borrowed or open to borrowing for an investment property, but only investment property, not shares.","start":1487.505,"end":1493.0449,"sentiment":"neutral","sentiment_score":0.000621146084192921},{"text":"Or five, you would only consider borrowing for your own home.","start":1493.105,"end":1495.98,"sentiment":"neutral","sentiment_score":-0.022667122835462742}],"sentiment":"neutral","sentiment_score":0.015989835586464198,"channel":0,"num_words":57,"start":1477.4299,"end":1495.98},{"sentences":[{"text":"I'll be I need to find 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wanna make great return?","start":1516.115,"end":1520.215,"sentiment":"neutral","sentiment_score":0.19659041737516722}],"sentiment":"neutral","sentiment_score":0.030452692473772913,"channel":0,"num_words":64,"start":1504.22,"end":1520.215},{"sentences":[{"text":"Yeah.","start":1520.9,"end":1521.3,"sentiment":"neutral","sentiment_score":0.23148539662361145},{"text":"All investments.","start":1521.3,"end":1522.04,"sentiment":"neutral","sentiment_score":0.3279484808444977},{"text":"Great return.","start":1522.42,"end":1523.24,"sentiment":"positive","sentiment_score":0.6887447237968445}],"sentiment":"positive","sentiment_score":0.45297436118125917,"channel":1,"num_words":5,"start":1520.9,"end":1523.24},{"sentences":[{"text":"All investments, great 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home.","start":1531.2,"end":1537.6,"sentiment":"neutral","sentiment_score":0.05370847749359468},{"text":"Right?","start":1537.6,"end":1538.1,"sentiment":"neutral","sentiment_score":0.03315814584493637},{"text":"So I","start":1538.195,"end":1538.515,"sentiment":"neutral","sentiment_score":0.02858772035688162}],"sentiment":"neutral","sentiment_score":0.07780916794824104,"channel":0,"num_words":24,"start":1527.9199,"end":1538.515},{"sentences":[{"text":"Yep.","start":1538.435,"end":1538.82,"sentiment":"neutral","sentiment_score":0.06903886049985886}],"sentiment":"neutral","sentiment_score":0.06903886049985886,"channel":1,"num_words":1,"start":1538.435,"end":1538.82},{"sentences":[{"text":"might I might put you down as you're somewhat comfortable, but you are cautious you're a little bit cautious, but you're comfortable to do it.","start":1538.515,"end":1544.995,"sentiment":"neutral","sentiment_score":0.007338669970631599},{"text":"Yes?","start":1544.995,"end":1545.495,"sentiment":"neutral","sentiment_score":0.06055884808301926}],"sentiment":"neutral","sentiment_score":0.009385599898031125,"channel":0,"num_words":26,"start":1538.515,"end":1545.495},{"sentences":[{"text":"Yep.","start":1545.7799,"end":1546.2799,"sentiment":"neutral","sentiment_score":0.17185406386852264}],"sentiment":"neutral","sentiment_score":0.17185406386852264,"channel":1,"num_words":1,"start":1545.7799,"end":1546.2799},{"sentences":[{"text":"Beautiful.","start":1545.955,"end":1546.455,"sentiment":"positive","sentiment_score":0.4505263566970825},{"text":"Beautiful.","start":1547.5549,"end":1548.035,"sentiment":"positive","sentiment_score":0.4531365931034088},{"text":"Now, mate, you have come out as a 39.","start":1548.035,"end":1550.4349,"sentiment":"positive","sentiment_score":0.34918711251682705},{"text":"That means that you are a balanced growth investor.","start":1550.4349,"end":1553.01,"sentiment":"positive","sentiment_score":0.4014563692940606},{"text":"Man, I think that is absolutely perfect for your agent stage in life.","start":1553.15,"end":1556.77,"sentiment":"positive","sentiment_score":0.6214844355216393}],"sentiment":"positive","sentiment_score":0.4769318772084785,"channel":0,"num_words":33,"start":1545.955,"end":1556.77},{"sentences":[{"text":"What that means is you're gonna take about 60% or 50 to 60% exposure to direct shares because currently, your superannuation I'll have a look at what your AOT is invested in.","start":1556.83,"end":1567.41,"sentiment":"neutral","sentiment_score":0.19885581405833364},{"text":"It's probably a lot more aggressive than that.","start":1567.9349,"end":1569.375,"sentiment":"neutral","sentiment_score":0.17176705040037632},{"text":"It's probably taking about 80% exposure to shares.","start":1569.375,"end":1571.7949,"sentiment":"neutral","sentiment_score":0.10624987771734595},{"text":"But right now, if the market were to crash, we wanna try and limit the amount of exposure you have to those markets and increase the exposure of defensive assets like bonds and fixed interest and cash and thing commodities, gold, things like that to get the return so that you won't be affected in the events of some sort of GFC two point o or something.","start":1572.095,"end":1590.7599,"sentiment":"neutral","sentiment_score":0.14273439853716252},{"text":"Right?","start":1590.7599,"end":1591.2599,"sentiment":"neutral","sentiment_score":0.13843435049057007}],"sentiment":"neutral","sentiment_score":0.1576651769593872,"channel":0,"num_words":116,"start":1556.83,"end":1591.2599},{"sentences":[{"text":"So what we wanna do ultimately is try and get you the greater return, but at the same time, reduce the level of exposure and risk you're taking to get that.","start":1591.5599,"end":1599.845,"sentiment":"neutral","sentiment_score":0.22053120261238468},{"text":"Okay?","start":1599.905,"end":1600.305,"sentiment":"neutral","sentiment_score":0.09915057569742204},{"text":"So","start":1600.305,"end":1600.805,"sentiment":"neutral","sentiment_score":0.12281310558319092}],"sentiment":"neutral","sentiment_score":0.21389184734134964,"channel":0,"num_words":33,"start":1591.5599,"end":1600.805},{"sentences":[{"text":"Yes.","start":1600.3501,"end":1600.8501,"sentiment":"neutral","sentiment_score":0.17342697083950043}],"sentiment":"neutral","sentiment_score":0.17342697083950043,"channel":1,"num_words":1,"start":1600.3501,"end":1600.8501},{"sentences":[{"text":"where my and if you agree with them, you're happy with that, what I'd like to do is I'll prepare a strategy based on a return from a superannuation management point of view to, yeah, to pretty much ensure that you you will be invested in a manner that's not only protecting your assets that you've built over time, but will still be getting you an an adequate return to try and be able to sustain your lifestyle out of $700 a week on top of your pension.","start":1601.185,"end":1628.055,"sentiment":"neutral","sentiment_score":0.2901918678121133},{"text":"Okay?","start":1628.375,"end":1628.875,"sentiment":"neutral","sentiment_score":0.12170958518981934}],"sentiment":"neutral","sentiment_score":0.28829880845680667,"channel":0,"num_words":89,"start":1601.185,"end":1628.875},{"sentences":[{"text":"Right.","start":1628.745,"end":1629.18,"sentiment":"neutral","sentiment_score":0.163417786359787},{"text":"Yep.","start":1629.3401,"end":1629.8401,"sentiment":"neutral","sentiment_score":0.21428070962429047}],"sentiment":"neutral","sentiment_score":0.18884924799203873,"channel":1,"num_words":2,"start":1628.745,"end":1629.8401},{"sentences":[{"text":"Beautiful.","start":1629.9751,"end":1630.4751,"sentiment":"positive","sentiment_score":0.38452306389808655},{"text":"And I'll show you what that looks like in our projections.","start":1630.6151,"end":1632.875,"sentiment":"neutral","sentiment_score":0.2286398153413426},{"text":"Now did you manage to get the the documents up?","start":1633.0951,"end":1636.055,"sentiment":"neutral","sentiment_score":0.09330073781311513},{"text":"Did you manage to log in to your your PDFs","start":1636.055,"end":1639.1151,"sentiment":"neutral","sentiment_score":-0.03229931108653546}],"sentiment":"neutral","sentiment_score":0.10967422812245786,"channel":0,"num_words":32,"start":1629.9751,"end":1639.1151},{"sentences":[{"text":"No.","start":1639.8201,"end":1640.06,"sentiment":"neutral","sentiment_score":-0.12501201033592224}],"sentiment":"neutral","sentiment_score":-0.12501201033592224,"channel":1,"num_words":1,"start":1639.8201,"end":1640.06},{"sentences":[{"text":"or your","start":1639.9751,"end":1640.295,"sentiment":"neutral","sentiment_score":-0.10451863333582878}],"sentiment":"neutral","sentiment_score":-0.10451863333582878,"channel":0,"num_words":2,"start":1639.9751,"end":1640.295},{"sentences":[{"text":"It hasn't","start":1640.06,"end":1640.7201,"sentiment":"neutral","sentiment_score":-0.28756292164325714}],"sentiment":"neutral","sentiment_score":-0.28756292164325714,"channel":1,"num_words":2,"start":1640.06,"end":1640.7201},{"sentences":[{"text":"emails?","start":1640.295,"end":1640.795,"sentiment":"neutral","sentiment_score":-0.3269502520561218}],"sentiment":"neutral","sentiment_score":-0.3269502520561218,"channel":0,"num_words":1,"start":1640.295,"end":1640.795},{"sentences":[{"text":"it hasn't come up.","start":1641.9,"end":1643.2001,"sentiment":"negative","sentiment_score":-0.4658655673265457},{"text":"I don't know 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too.","start":1644.655,"end":1646.995,"sentiment":"negative","sentiment_score":-0.6086810777584711}],"sentiment":"negative","sentiment_score":-0.6086810777584711,"channel":1,"num_words":6,"start":1644.655,"end":1646.995},{"sentences":[{"text":"Yeah.","start":1647.55,"end":1647.79,"sentiment":"neutral","sentiment_score":-0.16565945744514465},{"text":"I can hear that.","start":1647.79,"end":1648.75,"sentiment":"neutral","sentiment_score":-0.17187562212347984},{"text":"No.","start":1648.75,"end":1648.99,"sentiment":"neutral","sentiment_score":-0.23007652163505551},{"text":"That's okay.","start":1648.99,"end":1649.55,"sentiment":"neutral","sentiment_score":-0.1410779021680355},{"text":"That's alright.","start":1649.55,"end":1650.29,"sentiment":"neutral","sentiment_score":0.10404834896326065}],"sentiment":"neutral","sentiment_score":-0.11572975739836693,"channel":0,"num_words":10,"start":1647.55,"end":1650.29},{"sentences":[{"text":"So what I might do is just walk you through 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I","start":1669.335,"end":1669.895,"sentiment":"neutral","sentiment_score":-0.04794810339808464}],"sentiment":"neutral","sentiment_score":-0.04794810339808464,"channel":1,"num_words":2,"start":1669.335,"end":1669.895},{"sentences":[{"text":"If","start":1669.8201,"end":1670.06,"sentiment":"neutral","sentiment_score":-0.07097270339727402}],"sentiment":"neutral","sentiment_score":-0.07097270339727402,"channel":0,"num_words":1,"start":1669.8201,"end":1670.06},{"sentences":[{"text":"think","start":1669.895,"end":1670.135,"sentiment":"neutral","sentiment_score":-0.08318851888179779}],"sentiment":"neutral","sentiment_score":-0.08318851888179779,"channel":1,"num_words":1,"start":1669.895,"end":1670.135},{"sentences":[{"text":"not","start":1670.06,"end":1670.38,"sentiment":"neutral","sentiment_score":-0.11289340257644652}],"sentiment":"neutral","sentiment_score":-0.11289340257644652,"channel":0,"num_words":1,"start":1670.06,"end":1670.38},{"sentences":[{"text":"it","start":1670.135,"end":1670.2949,"sentiment":"neutral","sentiment_score":-0.08473455905914307}],"sentiment":"neutral","sentiment_score":-0.08473455905914307,"channel":1,"num_words":1,"start":1670.135,"end":1670.2949},{"sentences":[{"text":"if not yeah.","start":1670.38,"end":1671.3401,"sentiment":"neutral","sentiment_score":-0.10252330203851064},{"text":"If not, it's okay.","start":1671.3401,"end":1672.22,"sentiment":"neutral","sentiment_score":-0.01800588081823662},{"text":"I can just walk you through the fees and the process if you like.","start":1672.22,"end":1675.12,"sentiment":"neutral","sentiment_score":0.11416254857821125}],"sentiment":"neutral","sentiment_score":0.05803248812887995,"channel":0,"num_words":21,"start":1670.38,"end":1675.12},{"sentences":[{"text":"okay.","start":1675.335,"end":1675.835,"sentiment":"neutral","sentiment_score":0.12674063444137573},{"text":"Where is","start":1677.4149,"end":1677.895,"sentiment":"neutral","sentiment_score":0.2394949123263359}],"sentiment":"neutral","sentiment_score":0.20191015303134918,"channel":1,"num_words":3,"start":1675.335,"end":1677.895},{"sentences":[{"text":"Beautiful.","start":1677.8201,"end":1678.3201,"sentiment":"positive","sentiment_score":0.3919166326522827}],"sentiment":"positive","sentiment_score":0.3919166326522827,"channel":0,"num_words":1,"start":1677.8201,"end":1678.3201},{"sentences":[{"text":"it going?","start":1677.895,"end":1678.475,"sentiment":"neutral","sentiment_score":0.22194457799196243}],"sentiment":"neutral","sentiment_score":0.22194457799196243,"channel":1,"num_words":2,"start":1677.895,"end":1678.475},{"sentences":[{"text":"It should be under Oakview Financial somewhere.","start":1683.085,"end":1685.345,"sentiment":"neutral","sentiment_score":0.11301606254918235}],"sentiment":"neutral","sentiment_score":0.11301606254918235,"channel":0,"num_words":7,"start":1683.085,"end":1685.345},{"sentences":[{"text":"It should be after that.","start":1687.98,"end":1689.28,"sentiment":"neutral","sentiment_score":0.06017734780907631},{"text":"I think I'm going to do something else now.","start":1690.22,"end":1691.78,"sentiment":"neutral","sentiment_score":-0.23804329997963375},{"text":"I don't know what I'm gonna do.","start":1691.78,"end":1693.36,"sentiment":"negative","sentiment_score":-0.33423794167382376},{"text":"I'm hyped with these bloody 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understand.","start":1700.48,"end":1702.18,"sentiment":"neutral","sentiment_score":0.19187653064727783}],"sentiment":"neutral","sentiment_score":-0.02271490916609764,"channel":0,"num_words":21,"start":1695.76,"end":1702.18},{"sentences":[{"text":"Alright.","start":1705.92,"end":1706.24,"sentiment":"neutral","sentiment_score":0.09323552250862122},{"text":"Well, either way, while you're trying to do it, I can I can give you a bit of a little bit of a lay down?","start":1706.24,"end":1710.48,"sentiment":"neutral","sentiment_score":0.023544116069679148},{"text":"So we, as Oaktree Financial, we run our own Australian financial services license.","start":1710.48,"end":1715.055,"sentiment":"neutral","sentiment_score":0.10339606610628274},{"text":"What that means is we've got the same license as the big banks and insurance companies, things like that.","start":1715.675,"end":1721.055,"sentiment":"neutral","sentiment_score":0.09257400075071737},{"text":"And that number is 513068.","start":1722.155,"end":1724.3151,"sentiment":"neutral","sentiment_score":0.07516747415065765}],"sentiment":"neutral","sentiment_score":0.0660433439468126,"channel":0,"num_words":63,"start":1705.92,"end":1724.3151},{"sentences":[{"text":"You can search this up on Nasdaq registered or my name.","start":1724.3151,"end":1727.0801,"sentiment":"neutral","sentiment_score":0.09858797829259526},{"text":"You can look it all up.","start":1727.0801,"end":1728.46,"sentiment":"neutral","sentiment_score":0.13710555682579675},{"text":"You what that means essentially is that we can give advice on financial products and strategies across anything we like.","start":1729.48,"end":1736.12,"sentiment":"neutral","sentiment_score":0.21205082349479198},{"text":"We've got no one above us kinda directing what we do.","start":1736.12,"end":1739.835,"sentiment":"neutral","sentiment_score":0.11211074346845801},{"text":"It's a very free license.","start":1739.995,"end":1741.375,"sentiment":"neutral","sentiment_score":0.24742889702320098}],"sentiment":"neutral","sentiment_score":0.16261283462902285,"channel":0,"num_words":53,"start":1724.3151,"end":1741.375},{"sentences":[{"text":"And I guess the whole reason why we started the company so my business partner, his wife, and I started this company in a garage in Pimpama in hundreds of thousands of dollars worth of debt from an angel investor with no clients and a dream, I guess.","start":1742.5549,"end":1754.335,"sentiment":"neutral","sentiment_score":0.0138373546457539},{"text":"And didn't know didn't have any idea how this was gonna end up, but we did it anyway.","start":1754.955,"end":1760.4401,"sentiment":"neutral","sentiment_score":-0.041543998238113194},{"text":"And now we got about 43 employees and, you know, somehow it works pretty pretty pretty crazy sometimes walking into that office.","start":1760.66,"end":1767.64,"sentiment":"neutral","sentiment_score":0.024220660667527805},{"text":"But, yeah, somehow we did it.","start":1767.78,"end":1770.18,"sentiment":"neutral","sentiment_score":0.23619030912717184},{"text":"So thank the lord for that.","start":1770.18,"end":1771.755,"sentiment":"positive","sentiment_score":0.6397320230801901}],"sentiment":"neutral","sentiment_score":0.057047895826399325,"channel":0,"num_words":100,"start":1742.5549,"end":1771.755},{"sentences":[{"text":"But, yeah, look, to to give you an idea of where we started and where we are now, we started it with the vision of being the most trusted financial planning firm in Australia.","start":1772.155,"end":1781.215,"sentiment":"positive","sentiment_score":0.4868118250194718},{"text":"Now to build trust, we gotta build rapport with our clients.","start":1781.755,"end":1785.195,"sentiment":"positive","sentiment_score":0.5740672756325115},{"text":"We gotta, you know, make sure that we we are doing everything in our capabilities in line with our core values and our clients to make sure that we're achieving their goals, financial goals, support, and objectives for retirement.","start":1785.195,"end":1796.06,"sentiment":"positive","sentiment_score":0.5712630603557978},{"text":"Right?","start":1796.06,"end":1796.56,"sentiment":"neutral","sentiment_score":0.28984031081199646}],"sentiment":"positive","sentiment_score":0.5345346087918562,"channel":0,"num_words":85,"start":1772.155,"end":1796.56},{"sentences":[{"text":"Yep.","start":1796.965,"end":1797.465,"sentiment":"neutral","sentiment_score":0.27700647711753845}],"sentiment":"neutral","sentiment_score":0.27700647711753845,"channel":1,"num_words":1,"start":1796.965,"end":1797.465},{"sentences":[{"text":"That's why I wanted to determine what that look like for you.","start":1797.18,"end":1800.345,"sentiment":"neutral","sentiment_score":0.32801436881224316},{"text":"So in order to build that trust, we wanted to essentially work out one one of fee structure to be able to maintain conversations instead of having to pay every time.","start":1801.225,"end":1811.725,"sentiment":"positive","sentiment_score":0.3427745190358931},{"text":"And secondly, to be the most trusted, we've got to yeah.","start":1811.945,"end":1816.105,"sentiment":"positive","sentiment_score":0.4490700526670976},{"text":"We wanted to do that by upholding our mission, which is to provide long term holistic strategies to couples, families, and individuals like yourself.","start":1816.105,"end":1824.74,"sentiment":"positive","sentiment_score":0.5364658360679945},{"text":"So, yep, you are perfectly within our target market determination.","start":1824.96,"end":1828.0199,"sentiment":"positive","sentiment_score":0.5073561787605285}],"sentiment":"positive","sentiment_score":0.4255760789594867,"channel":0,"num_words":88,"start":1797.18,"end":1828.0199},{"sentences":[{"text":"And, yep, I guess from from there, we wanted to it was during the Hayden Royal Commission when we started it into banking and finance, and maybe there are a lot of people doing the wrong thing.","start":1828.3999,"end":1838.365,"sentiment":"neutral","sentiment_score":-0.09799906691989384},{"text":"But there's a few of us that are trying to do the right thing, and that's why we started the company.","start":1838.365,"end":1841.985,"sentiment":"neutral","sentiment_score":-0.09332602258239474},{"text":"So, usually, how it works is boutique firms like ourselves.","start":1844.15,"end":1847.4501,"sentiment":"neutral","sentiment_score":0.031349951028823854},{"text":"They work underneath a license, an AFSL, which looks like they it's called a corporate authorized representative.","start":1848.15,"end":1854.73,"sentiment":"neutral","sentiment_score":0.023376907002838218},{"text":"So they work with a company that's licensed by, say, CommBank.","start":1855.065,"end":1857.965,"sentiment":"neutral","sentiment_score":-0.011979365721344948}],"sentiment":"neutral","sentiment_score":-0.052152896290256955,"channel":0,"num_words":96,"start":1828.3999,"end":1857.965},{"sentences":[{"text":"There's one of CBA's, one of them.","start":1858.4249,"end":1860.2849,"sentiment":"neutral","sentiment_score":-0.04638993473989623},{"text":"So if I'm working I'm I'm licensed under CommBank, I wouldn't be, like, likely to recommend Westpac products.","start":1860.5049,"end":1866.345,"sentiment":"negative","sentiment_score":-0.3595568529433674},{"text":"Right?","start":1866.345,"end":1866.845,"sentiment":"neutral","sentiment_score":-0.219049870967865},{"text":"Not","start":1867.2799,"end":1867.5199,"sentiment":"negative","sentiment_score":-0.5168274641036987}],"sentiment":"neutral","sentiment_score":-0.27898630486042414,"channel":0,"num_words":27,"start":1858.4249,"end":1867.5199},{"sentences":[{"text":"No.","start":1867.34,"end":1867.725,"sentiment":"neutral","sentiment_score":-0.13247226178646088}],"sentiment":"neutral","sentiment_score":-0.13247226178646088,"channel":1,"num_words":1,"start":1867.34,"end":1867.725},{"sentences":[{"text":"because it's in the best interest of the clients, but because it's in the best interest of my principal and because they get comms and they get no commission.","start":1867.5199,"end":1874.0,"sentiment":"positive","sentiment_score":0.40453688209426814},{"text":"They get paid on all their products.","start":1874.0,"end":1875.44,"sentiment":"neutral","sentiment_score":0.28785269175257},{"text":"Right?","start":1875.44,"end":1875.6799,"sentiment":"neutral","sentiment_score":-0.0323135107755661},{"text":"Not Westpac.","start":1875.6799,"end":1876.34,"sentiment":"negative","sentiment_score":-0.43959014117717743},{"text":"So that's a direct conflict to me.","start":1876.88,"end":1878.88,"sentiment":"negative","sentiment_score":-0.6540832008634295}],"sentiment":"neutral","sentiment_score":0.17948830921364867,"channel":0,"num_words":46,"start":1867.5199,"end":1878.88},{"sentences":[{"text":"If you're a product maker, I don't believe you should be a product provider, like a product recommender because 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better.","start":1889.155,"end":1895.5751,"sentiment":"neutral","sentiment_score":0.12784567734469537},{"text":"But I'm only restricted to recommend what my principal","start":1895.85,"end":1899.13,"sentiment":"neutral","sentiment_score":-0.10943277180194855}],"sentiment":"neutral","sentiment_score":0.03454969777744644,"channel":0,"num_words":49,"start":1884.675,"end":1899.13},{"sentences":[{"text":"Yep.","start":1898.8049,"end":1899.3049,"sentiment":"neutral","sentiment_score":-0.054168444126844406}],"sentiment":"neutral","sentiment_score":-0.054168444126844406,"channel":1,"num_words":1,"start":1898.8049,"end":1899.3049},{"sentences":[{"text":"tells me to, then, you know, it's not looking after your best interest, is it?","start":1899.13,"end":1903.77,"sentiment":"neutral","sentiment_score":-0.10861921409765879},{"text":"It's looking after theirs.","start":1903.77,"end":1905.15,"sentiment":"neutral","sentiment_score":-0.15221227332949638},{"text":"So in order to get around that, we 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upfront just to for my time and everybody else's, but","start":2122.3398,"end":2127.16,"sentiment":"neutral","sentiment_score":0.2343441853299737}],"sentiment":"neutral","sentiment_score":0.2769524815470673,"channel":0,"num_words":43,"start":2116.015,"end":2127.16},{"sentences":[{"text":"Yep.","start":2126.835,"end":2127.335,"sentiment":"neutral","sentiment_score":0.18094751238822937}],"sentiment":"neutral","sentiment_score":0.18094751238822937,"channel":1,"num_words":1,"start":2126.835,"end":2127.335},{"sentences":[{"text":"as well as the statement of advice.","start":2127.3,"end":2128.9,"sentiment":"neutral","sentiment_score":0.14813266268798284},{"text":"But moving forward, again, going back from that trust vision, we charge a percentage based fee on your assets.","start":2128.9,"end":2135.1748,"sentiment":"neutral","sentiment_score":0.11955696265948446},{"text":"One, because if your funds go up, we get paid more, which is incentive for me.","start":2135.1748,"end":2138.9348,"sentiment":"neutral","sentiment_score":0.06124399299733341},{"text":"But if your funds","start":2138.9348,"end":2139.7349,"sentiment":"neutral","sentiment_score":-0.15483000129461288}],"sentiment":"neutral","sentiment_score":0.07976293069836886,"channel":0,"num_words":46,"start":2127.3,"end":2139.7349},{"sentences":[{"text":"Yep.","start":2139.45,"end":2139.95,"sentiment":"neutral","sentiment_score":-0.2180216759443283}],"sentiment":"neutral","sentiment_score":-0.2180216759443283,"channel":1,"num_words":1,"start":2139.45,"end":2139.95},{"sentences":[{"text":"go down, we get paid less.","start":2139.7349,"end":2141.1948,"sentiment":"neutral","sentiment_score":-0.3312134842077891},{"text":"That is not gonna make either of us happy.","start":2141.335,"end":2143.655,"sentiment":"negative","sentiment_score":-0.5053148633903928},{"text":"Right?","start":2143.655,"end":2143.895,"sentiment":"neutral","sentiment_score":0.0692167729139328},{"text":"So we kind of we we have a relationship where we both wanna do good.","start":2143.895,"end":2147.335,"sentiment":"neutral","sentiment_score":0.29250089526176454},{"text":"Right?","start":2147.335,"end":2147.835,"sentiment":"neutral","sentiment_score":0.13179369270801544}],"sentiment":"neutral","sentiment_score":-0.06083096191287041,"channel":0,"num_words":32,"start":2139.7349,"end":2147.835},{"sentences":[{"text":"No.","start":2147.585,"end":2148.085,"sentiment":"neutral","sentiment_score":-0.17669975757598877},{"text":"Yep.","start":2148.225,"end":2148.725,"sentiment":"neutral","sentiment_score":-0.025843489915132523}],"sentiment":"neutral","sentiment_score":-0.10127162374556065,"channel":1,"num_words":2,"start":2147.585,"end":2148.725},{"sentences":[{"text":"Yep.","start":2149.23,"end":2149.55,"sentiment":"neutral","sentiment_score":-0.010402652435004711},{"text":"So it's a it's a tiered structure.","start":2149.55,"end":2151.31,"sentiment":"neutral","sentiment_score":0.002712172589131764},{"text":"So for the first 200,000, we charge 1.65%.","start":2151.31,"end":2154.93,"sentiment":"neutral","sentiment_score":0.057845961302518845},{"text":"So one point one point five plus GST.","start":2155.07,"end":2157.09,"sentiment":"neutral","sentiment_score":0.05327529460191727}],"sentiment":"neutral","sentiment_score":0.037398025121850274,"channel":0,"num_words":24,"start":2149.23,"end":2157.09},{"sentences":[{"text":"Yep.","start":2157.84,"end":2158.34,"sentiment":"neutral","sentiment_score":-0.004169787745922804}],"sentiment":"neutral","sentiment_score":-0.004169787745922804,"channel":1,"num_words":1,"start":2157.84,"end":2158.34},{"sentences":[{"text":"And then after 200,000, if we build your balance above 200,000 to 500,000, it drops to 1.375.","start":2158.11,"end":2165.145,"sentiment":"neutral","sentiment_score":-0.06189216958249316}],"sentiment":"neutral","sentiment_score":-0.06189216958249316,"channel":0,"num_words":17,"start":2158.11,"end":2165.145},{"sentences":[{"text":"Yep.","start":2165.0925,"end":2165.5925,"sentiment":"neutral","sentiment_score":0.12435644865036012}],"sentiment":"neutral","sentiment_score":0.12435644865036012,"channel":1,"num_words":1,"start":2165.0925,"end":2165.5925},{"sentences":[{"text":"And then from 500,000 to a million, it's 1.1.","start":2165.365,"end":2168.325,"sentiment":"neutral","sentiment_score":0.05267016548249456},{"text":"And then a million onwards, you're looking at 0.825.","start":2168.325,"end":2171.4648,"sentiment":"neutral","sentiment_score":0.03117016309665309},{"text":"K?","start":2171.6848,"end":2171.9248,"sentiment":"neutral","sentiment_score":0.0170007161796093},{"text":"So we tier it like a like a tax brackets.","start":2171.9248,"end":2174.2449,"sentiment":"neutral","sentiment_score":0.04932701364159584},{"text":"You stop, and then we'll reduce it down.","start":2174.2449,"end":2176.565,"sentiment":"neutral","sentiment_score":0.06327961711212993}],"sentiment":"neutral","sentiment_score":0.04786677693797124,"channel":0,"num_words":37,"start":2165.365,"end":2176.565},{"sentences":[{"text":"K?","start":2176.565,"end":2177.065,"sentiment":"neutral","sentiment_score":0.033618681132793427},{"text":"So that's that's a little bit more about the fees.","start":2177.49,"end":2179.49,"sentiment":"neutral","sentiment_score":0.01605159267783165},{"text":"But, again, I'll show you all those fees in the SOA, and we'll we'll include those in all projections.","start":2179.49,"end":2184.23,"sentiment":"neutral","sentiment_score":0.08732097321435024},{"text":"Do you have any questions about those fees?","start":2184.69,"end":2186.45,"sentiment":"neutral","sentiment_score":0.02668832428753376},{"text":"Does that make sense?","start":2186.45,"end":2187.33,"sentiment":"neutral","sentiment_score":0.0020091095939278603}],"sentiment":"neutral","sentiment_score":0.04939943170618443,"channel":0,"num_words":42,"start":2176.565,"end":2187.33},{"sentences":[{"text":"Or","start":2187.33,"end":2187.57,"sentiment":"neutral","sentiment_score":-0.022949231788516045}],"sentiment":"neutral","sentiment_score":-0.022949231788516045,"channel":0,"num_words":1,"start":2187.33,"end":2187.57},{"sentences":[{"text":"No.","start":2188.0598,"end":2188.22,"sentiment":"neutral","sentiment_score":-0.15419402718544006},{"text":"It all makes 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and I run away to, I don't know, The Bahamas and drink pina coladas with your money, you would be you wouldn't be very happy with me.","start":2201.095,"end":2210.95,"sentiment":"negative","sentiment_score":-0.36369077458574967},{"text":"So","start":2211.17,"end":2211.67,"sentiment":"neutral","sentiment_score":-0.14728955924510956}],"sentiment":"neutral","sentiment_score":-0.15452506989240647,"channel":0,"num_words":70,"start":2190.21,"end":2211.67},{"sentences":[{"text":"No.","start":2211.175,"end":2211.675,"sentiment":"negative","sentiment_score":-0.35532698035240173}],"sentiment":"negative","sentiment_score":-0.35532698035240173,"channel":1,"num_words":1,"start":2211.175,"end":2211.675},{"sentences":[{"text":"there's there's there's processes in in in this there's certain events, I guess.","start":2211.8901,"end":2216.77,"sentiment":"neutral","sentiment_score":-0.17470609339383933},{"text":"So if you're looking at some sort of thing like that, it hasn't happened.","start":2216.77,"end":2220.21,"sentiment":"neutral","sentiment_score":-0.20901226890938623},{"text":"I've been doing this for a long time.","start":2220.21,"end":2221.455,"sentiment":"neutral","sentiment_score":-0.20635059103369713},{"text":"But if it does, for whatever reason, then what you do is you go through firstly an internal dispute resolution process, which is IDR, and then after that, an external dispute resolution.","start":2221.455,"end":2231.955,"sentiment":"neutral","sentiment_score":-0.1245049734134227},{"text":"If the IDR doesn't you don't get the right outcome that you're looking for.","start":2232.0151,"end":2235.54,"sentiment":"neutral","sentiment_score":-0.17772108103547776}],"sentiment":"neutral","sentiment_score":-0.16444950605984088,"channel":0,"num_words":81,"start":2211.8901,"end":2235.54},{"sentences":[{"text":"So that IDI is essentially getting in touch with the AFSL, the principal license, which is us, and you speak to the responsible manager of the firm, which is me.","start":2235.62,"end":2243.8,"sentiment":"neutral","sentiment_score":0.004639548435807228},{"text":"But I'm gonna be in the I'm gonna be in The Bahamas drinking pina coladas with your money.","start":2244.26,"end":2247.915,"sentiment":"neutral","sentiment_score":0.021669568959623575},{"text":"So you probably wanna wanna speak to me even if I picked up.","start":2247.995,"end":2250.575,"sentiment":"neutral","sentiment_score":0.0007526473357127263},{"text":"So for that and for that reason, we've also got Bart.","start":2250.875,"end":2254.575,"sentiment":"neutral","sentiment_score":0.07288824800740588},{"text":"So Bart Ryan is the bit my business partner.","start":2254.715,"end":2256.955,"sentiment":"neutral","sentiment_score":0.06260583787742588}],"sentiment":"neutral","sentiment_score":0.023509214551728448,"channel":0,"num_words":81,"start":2235.62,"end":2256.955},{"sentences":[{"text":"He's more back of house and doesn't 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know, people get touchy about their money.","start":2305.205,"end":2307.7651,"sentiment":"neutral","sentiment_score":-0.18741648102348502},{"text":"And when markets fall, everybody feels it, but some people like to","start":2307.7651,"end":2310.5652,"sentiment":"neutral","sentiment_score":-0.09596267466743787}],"sentiment":"neutral","sentiment_score":-0.07813692260898795,"channel":0,"num_words":51,"start":2296.61,"end":2310.5652},{"sentences":[{"text":"Yes.","start":2310.44,"end":2310.94,"sentiment":"neutral","sentiment_score":-0.0640278160572052}],"sentiment":"neutral","sentiment_score":-0.0640278160572052,"channel":1,"num_words":1,"start":2310.44,"end":2310.94},{"sentences":[{"text":"complain, but that's a part of the process.","start":2310.5652,"end":2312.3452,"sentiment":"neutral","sentiment_score":-0.05599976843222976}],"sentiment":"neutral","sentiment_score":-0.05599976843222976,"channel":0,"num_words":8,"start":2310.5652,"end":2312.3452},{"sentences":[{"text":"It is.","start":2312.84,"end":2313.4001,"sentiment":"neutral","sentiment_score":0.00961311161518097},{"text":"Yep.","start":2313.4001,"end":2313.9001,"sentiment":"neutral","sentiment_score":0.040666550397872925}],"sentiment":"neutral","sentiment_score":0.01996425787607829,"channel":1,"num_words":3,"start":2312.84,"end":2313.9001},{"sentences":[{"text":"So yeah.","start":2313.5251,"end":2314.405,"sentiment":"neutral","sentiment_score":0.04945451207458973},{"text":"Correct.","start":2314.405,"end":2314.565,"sentiment":"neutral","sentiment_score":0.07105956971645355},{"text":"It goes up to nothing.","start":2314.565,"end":2315.445,"sentiment":"neutral","sentiment_score":-0.02458987757563591},{"text":"It's the nature of the beast.","start":2315.445,"end":2316.51,"sentiment":"neutral","sentiment_score":-0.10500892624258995},{"text":"So but there is that solution there.","start":2316.83,"end":2319.07,"sentiment":"neutral","sentiment_score":-0.013334375407014574}],"sentiment":"neutral","sentiment_score":-0.032208332348437535,"channel":0,"num_words":21,"start":2313.5251,"end":2319.07},{"sentences":[{"text":"And in those documents, you can find it on our website as well.","start":2319.07,"end":2322.21,"sentiment":"neutral","sentiment_score":0.05629975176774538},{"text":"That number and email address for Africa is there.","start":2322.27,"end":2324.91,"sentiment":"neutral","sentiment_score":0.024201356288459566},{"text":"Like I said, that won't happen.","start":2324.91,"end":2326.37,"sentiment":"neutral","sentiment_score":-0.01886499331643184},{"text":"But if you are upset about something or just just just rude for whatever reason, then by all means, mate, just by all means, mate, just just give me a call.","start":2326.43,"end":2336.625,"sentiment":"neutral","sentiment_score":-0.02955919119619554},{"text":"I'm happy to have a 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that.","start":2340.3052,"end":2340.865,"sentiment":"neutral","sentiment_score":-0.16223032275835672},{"text":"Does that all make sense?","start":2340.865,"end":2341.89,"sentiment":"neutral","sentiment_score":0.025294946879148482}],"sentiment":"neutral","sentiment_score":-0.015629767511899654,"channel":0,"num_words":13,"start":2338.865,"end":2341.89},{"sentences":[{"text":"Definitely.","start":2342.3699,"end":2342.8699,"sentiment":"neutral","sentiment_score":0.19184580445289612},{"text":"Yep.","start":2343.41,"end":2343.91,"sentiment":"neutral","sentiment_score":0.1614169478416443}],"sentiment":"neutral","sentiment_score":0.1766313761472702,"channel":1,"num_words":2,"start":2342.3699,"end":2343.91},{"sentences":[{"text":"Beautiful.","start":2344.13,"end":2344.5298,"sentiment":"positive","sentiment_score":0.34600114822387695},{"text":"Do you have any questions or concerns before we book in the time?","start":2344.5298,"end":2347.01,"sentiment":"neutral","sentiment_score":0.07196333459936656},{"text":"Or","start":2347.01,"end":2347.51,"sentiment":"neutral","sentiment_score":-0.03989579528570175}],"sentiment":"neutral","sentiment_score":0.08277524684866269,"channel":0,"num_words":15,"start":2344.13,"end":2347.51},{"sentences":[{"text":"No.","start":2347.7852,"end":2348.0251,"sentiment":"neutral","sentiment_score":-0.168817400932312},{"text":"Not really.","start":2348.0251,"end":2348.665,"sentiment":"neutral","sentiment_score":-0.17302332073450089},{"text":"No.","start":2348.665,"end":2349.165,"sentiment":"neutral","sentiment_score":-0.10045785456895828}],"sentiment":"neutral","sentiment_score":-0.15383047424256802,"channel":1,"num_words":4,"start":2347.7852,"end":2349.165},{"sentences":[{"text":"beautiful.","start":2349.8098,"end":2350.3098,"sentiment":"neutral","sentiment_score":0.07012675702571869},{"text":"I'm pretty booked up.","start":2352.0498,"end":2353.17,"sentiment":"neutral","sentiment_score":0.053697023540735245},{"text":"What about a couple weeks time?","start":2353.17,"end":2354.775,"sentiment":"neutral","sentiment_score":0.016226209389666717},{"text":"Do you reckon maybe Monday, the fourteenth, would be a good time?","start":2354.775,"end":2358.4548,"sentiment":"neutral","sentiment_score":0.04375650500878692},{"text":"Or","start":2358.4548,"end":2358.9548,"sentiment":"neutral","sentiment_score":0.03863297402858734}],"sentiment":"neutral","sentiment_score":0.0394159642358621,"channel":0,"num_words":24,"start":2349.8098,"end":2358.9548},{"sentences":[{"text":"Yep.","start":2359.3052,"end":2359.8052,"sentiment":"neutral","sentiment_score":0.04541028290987015},{"text":"That 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you","start":2364.135,"end":2364.375,"sentiment":"neutral","sentiment_score":-0.027286739088594913}],"sentiment":"neutral","sentiment_score":0.017728215781971812,"channel":0,"num_words":8,"start":2362.375,"end":2364.375},{"sentences":[{"text":"to","start":2364.3198,"end":2364.8198,"sentiment":"neutral","sentiment_score":-0.03365489840507507}],"sentiment":"neutral","sentiment_score":-0.03365489840507507,"channel":1,"num_words":1,"start":2364.3198,"end":2364.8198},{"sentences":[{"text":"reckon oh, no.","start":2364.375,"end":2365.575,"sentiment":"neutral","sentiment_score":-0.07853708788752556},{"text":"I will do.","start":2365.575,"end":2366.055,"sentiment":"neutral","sentiment_score":-0.034904226660728455},{"text":"We'll do Monday, the fourteenth.","start":2366.055,"end":2367.255,"sentiment":"neutral","sentiment_score":0.04898264855146408},{"text":"Do you wanna go 1PM or twelve noon?","start":2367.255,"end":2369.5698,"sentiment":"neutral","sentiment_score":0.029199311276897788}],"sentiment":"neutral","sentiment_score":0.007272831017249509,"channel":0,"num_words":19,"start":2364.375,"end":2369.5698},{"sentences":[{"text":"me.","start":2369.8398,"end":2370.0798,"sentiment":"neutral","sentiment_score":0.00457324692979455},{"text":"1PM.","start":2370.0798,"end":2370.8198,"sentiment":"neutral","sentiment_score":0.012486532330513}],"sentiment":"neutral","sentiment_score":0.008529889630153775,"channel":1,"num_words":2,"start":2369.8398,"end":2370.8198},{"sentences":[{"text":"1PM it is?","start":2371.47,"end":2372.51,"sentiment":"neutral","sentiment_score":0.039621928706765175},{"text":"Beautiful.","start":2372.51,"end":2373.01,"sentiment":"positive","sentiment_score":0.632020115852356}],"sentiment":"neutral","sentiment_score":0.18772147549316287,"channel":0,"num_words":4,"start":2371.47,"end":2373.01},{"sentences":[{"text":"Yep.","start":2372.7998,"end":2373.165,"sentiment":"positive","sentiment_score":0.3977352976799011}],"sentiment":"positive","sentiment_score":0.3977352976799011,"channel":1,"num_words":1,"start":2372.7998,"end":2373.165},{"sentences":[{"text":"I'll send you another calendar invite, and, Nate, thank you for your time.","start":2373.15,"end":2376.2698,"sentiment":"positive","sentiment_score":0.5702133843531976},{"text":"Absolute pleasure, and","start":2376.2698,"end":2377.15,"sentiment":"positive","sentiment_score":0.6799000302950541}],"sentiment":"positive","sentiment_score":0.5907796304672956,"channel":0,"num_words":16,"start":2373.15,"end":2377.15},{"sentences":[{"text":"Yep.","start":2377.0051,"end":2377.5051,"sentiment":"positive","sentiment_score":0.5412609577178955}],"sentiment":"positive","sentiment_score":0.5412609577178955,"channel":1,"num_words":1,"start":2377.0051,"end":2377.5051},{"sentences":[{"text":"thank you for reaching oh, thanks, Scotty, for getting us in touch.","start":2377.15,"end":2381.0898,"sentiment":"positive","sentiment_score":0.7454148183266321},{"text":"I'll get working on this plan and try to see what we can do to get that goal of $700 a week","start":2381.415,"end":2385.675,"sentiment":"positive","sentiment_score":0.5401117937131361}],"sentiment":"positive","sentiment_score":0.6125716847531936,"channel":0,"num_words":34,"start":2377.15,"end":2385.675},{"sentences":[{"text":"Yep.","start":2385.725,"end":2386.14,"sentiment":"neutral","sentiment_score":0.1718282401561737}],"sentiment":"neutral","sentiment_score":0.1718282401561737,"channel":1,"num_words":1,"start":2385.725,"end":2386.14},{"sentences":[{"text":"in retirement by '67.","start":2385.735,"end":2387.835,"sentiment":"neutral","sentiment_score":0.17179931700229645},{"text":"And yeah.","start":2388.375,"end":2389.095,"sentiment":"neutral","sentiment_score":0.12018591165542603},{"text":"Look.","start":2389.095,"end":2389.335,"sentiment":"neutral","sentiment_score":0.052919674664735794},{"text":"Until then, mate, I'll speak to you in a couple of weeks.","start":2389.335,"end":2392.055,"sentiment":"neutral","sentiment_score":0.04234208166599274},{"text":"Oh, what I will also do is I need your superannuation statements and a picture of the front and the back of your driver's license.","start":2392.055,"end":2398.1099,"sentiment":"neutral","sentiment_score":0.07174027249217034}],"sentiment":"neutral","sentiment_score":0.07459319450638512,"channel":0,"num_words":44,"start":2385.735,"end":2398.1099},{"sentences":[{"text":"Am I able to send you an email?","start":2398.1099,"end":2399.63,"sentiment":"neutral","sentiment_score":0.04136394942179322},{"text":"Can you send that through to me?","start":2399.63,"end":2401.25,"sentiment":"neutral","sentiment_score":0.05215595343283245}],"sentiment":"neutral","sentiment_score":0.04640021796027819,"channel":0,"num_words":15,"start":2398.1099,"end":2401.25},{"sentences":[{"text":"Yep.","start":2401.5,"end":2401.74,"sentiment":"neutral","sentiment_score":0.1691114753484726},{"text":"I can do that to you.","start":2401.74,"end":2403.095,"sentiment":"positive","sentiment_score":0.3482511987288793}],"sentiment":"neutral","sentiment_score":0.3226598096745355,"channel":1,"num_words":7,"start":2401.5,"end":2403.095},{"sentences":[{"text":"Beautiful.","start":2403.55,"end":2403.95,"sentiment":"positive","sentiment_score":0.713280439376831}],"sentiment":"positive","sentiment_score":0.713280439376831,"channel":0,"num_words":1,"start":2403.55,"end":2403.95},{"sentences":[{"text":"Yep.","start":2403.555,"end":2404.055,"sentiment":"positive","sentiment_score":0.37725311517715454}],"sentiment":"positive","sentiment_score":0.37725311517715454,"channel":1,"num_words":1,"start":2403.555,"end":2404.055},{"sentences":[{"text":"I'll shoot you an email as soon as we finish this conversation, and, yeah, we'll go from there.","start":2403.95,"end":2408.69,"sentiment":"neutral","sentiment_score":0.30755270686414504}],"sentiment":"neutral","sentiment_score":0.30755270686414504,"channel":0,"num_words":18,"start":2403.95,"end":2408.69},{"sentences":[{"text":"Alright then.","start":2409.075,"end":2409.795,"sentiment":"neutral","sentiment_score":0.32429468631744385},{"text":"Thank you so much, Jenny.","start":2409.795,"end":2411.015,"sentiment":"positive","sentiment_score":0.7821065187454224}],"sentiment":"positive","sentiment_score":0.6513031380517142,"channel":1,"num_words":7,"start":2409.075,"end":2411.015},{"sentences":[{"text":"Yep.","start":2411.503,"end":2411.8228,"sentiment":"positive","sentiment_score":0.3822701871395111},{"text":"No worries, mate.","start":2411.8228,"end":2412.463,"sentiment":"neutral","sentiment_score":0.3089883228143056},{"text":"Speak to you soon.","start":2412.463,"end":2413.1028,"sentiment":"neutral","sentiment_score":0.32731881737709045},{"text":"Bye.","start":2413.1028,"end":2413.6028,"sentiment":"neutral","sentiment_score":0.24857720732688904}],"sentiment":"neutral","sentiment_score":0.3185652924908532,"channel":0,"num_words":9,"start":2411.503,"end":2413.6028},{"sentences":[{"text":"Thank you.","start":2413.955,"end":2414.435,"sentiment":"positive","sentiment_score":0.5613250434398651},{"text":"Bye bye.","start":2414.435,"end":2415.095,"sentiment":"neutral","sentiment_score":0.25086425244808197}],"sentiment":"positive","sentiment_score":0.40609464794397354,"channel":1,"num_words":4,"start":2413.955,"end":2415.095},{"sentences":[{"text":"Yep.","start":2415.1829,"end":2415.503,"sentiment":"neutral","sentiment_score":0.12049122154712676},{"text":"Bye.","start":2415.503,"end":2416.003,"sentiment":"neutral","sentiment_score":-0.1085098534822464}],"sentiment":"neutral","sentiment_score":0.005990684032440179,"channel":0,"num_words":2,"start":2415.1829,"end":2416.003}]},"summary":{"result":"success","short":"The OP Financial representative discusses the benefits of superann junior accounts and retirement plans with a customer, emphasizing the benefits of using them for income and retirement savings. They also discuss loan options and retirement plans, including using funds from the customer's super to pay for groceries and live expenses. The representative provides guidance on risk profiles and compliance requirements, emphasizing the importance of building trust with clients and avoiding negative consequences. They offer free consultations and a client's advice presentation, and suggest scheduling a meeting for a few weeks later."},"intents":{"segments":[{"text":"I do wanna run through a bit of a fact find and a risk profile, give you an idea about us as well, and then book in some time to go through the statement of advice and recommendations. So, yeah, I guess the the from an itinerary point of view, you know, you we I like to get an idea of what you're looking for and see if we can assist in any way.","start_word":110,"end_word":183,"intents":[{"intent":"Offer assistance","confidence_score":0.0005871896}]},{"text":"I I don't think I pay tax or anything or or that. Yeah. Correct. Yeah. This tax free after preservation age, which is age 60. Yeah.","start_word":328,"end_word":353,"intents":[{"intent":"Explains retirement benefits","confidence_score":0.079231896},{"intent":"Explains retirement benefits","confidence_score":0.050029963}]},{"text":"This tax free after preservation age, which is age 60. Yeah.","start_word":342,"end_word":352,"intents":[{"intent":"Explains benefits of pension","confidence_score":0.05101864},{"intent":"Explains retirement eligibility","confidence_score":0.025946792},{"intent":"Explains pension eligibility","confidence_score":0.010300635},{"intent":"Explains granting retirement age","confidence_score":0.000007215115},{"intent":"Explains retirement age","confidence_score":0.090447575},{"intent":"Explains retirement eligibility","confidence_score":0.06673008},{"intent":"Explains savings for retirement age","confidence_score":0.000050792583},{"intent":"Explains retirement eligibility","confidence_score":0.088940375},{"intent":"Explains retirement limitations","confidence_score":0.00019985012},{"intent":"Explains new retirement benefit","confidence_score":0.000008634964},{"intent":"Explains pension benefit","confidence_score":0.00013252409}]},{"text":"we have to know all these rules and how to use them.","start_word":585,"end_word":596,"intents":[{"intent":"Explains deduction rules","confidence_score":0.0000062694685}]},{"text":"So when you're looking at superannuation, you can actually access that at age 60, what we call preservation Yep. age, and you can draw that down at a a certain, you know, amount or you can pull it out lump sum if you stop working. Yet over the age of 65 and you're still working, you can actually pull withdraw a maximum amount of all of it. Okay.","start_word":597,"end_word":664,"intents":[{"intent":"Explains retirement access","confidence_score":0.00064279186}]},{"text":"really, really useful to have superannuation accounts and pump as much money as you can into it. I wish we had this conversation when you turn 60 because you can Yes. draw yeah. You can start drawing down money from your super tax free and then salary sacrifice your wage back in and just to mitigate all your tax. So there are strategies around that.","start_word":706,"end_word":770,"intents":[{"intent":"Provide advice and suggestions","confidence_score":0.0000024495098}]},{"text":"So so with the rent being $250 a week, do you think that is that other 250 to make up the $500 per week, is that do you think that's gonna be enough to, you know, pay for groceries and live your life? Is that enough?","start_word":1297,"end_word":1342,"intents":[{"intent":"Determine rental amount","confidence_score":0.0009308548}]},{"text":"If I could get you to 600, would that be better? Maybe 7. Yeah.","start_word":1344,"end_word":1357,"intents":[{"intent":"Determine fund balance","confidence_score":0.0000051383245}]},{"text":"Do you need any cash at the moment? Because you're you're able to pull that those funds out of super if you like, if you're not working. No.","start_word":1395,"end_word":1422,"intents":[{"intent":"Obtain funds","confidence_score":0.008168739}]},{"text":"Who's your super worth, by the way? Sorry?","start_word":1494,"end_word":1501,"intents":[{"intent":"Identify super worth","confidence_score":0.0050390074}]},{"text":"Where is your superannuation held?","start_word":1512,"end_word":1516,"intents":[{"intent":"Understand superannuation","confidence_score":0.061451323}]},{"text":"So we're gonna utilize that those funds in your super to make up to that as well as using the pension. We're gonna Yeah. be looking at ways to potentially move that $700 and then a lot of projections and not just if you're super invested in the matter that's gonna achieve that kind of return so that you can continue that that income of $700 a week all the way up to retirement. Yeah? Okay.","start_word":1608,"end_word":1683,"intents":[{"intent":"Utilize funds","confidence_score":0.5471372},{"intent":"Utilize funds","confidence_score":0.08466258}]},{"text":"Because what I was thinking once you once you retire at 67, if you Yep. pulled it back, it's like, it'll be a 100 and will will they still pay the pension?","start_word":1685,"end_word":1716,"intents":[{"intent":"Calculate retirement income","confidence_score":0.13157003}]},{"text":"But that essentially gives me a it'll give me the opportunity to and you the opportunity to make an informed decision, obviously, on whether you wanna proceed or not. Okay? Yeah.","start_word":2428,"end_word":2458,"intents":[{"intent":"Understand and inform decision","confidence_score":0.000013603041}]},{"text":"Are you in a private environment so we can talk about this and you can I just need you to look at the document that I'm showing you? Okay.","start_word":2698,"end_word":2726,"intents":[{"intent":"View document","confidence_score":0.0035619738}]},{"text":"So you wanna go and open up your emails. Do you have your emails in on your phone or beautiful. Yeah.","start_word":2769,"end_word":2789,"intents":[{"intent":"Open emails","confidence_score":0.6370349}]},{"text":"So that digital brochure will will essentially give you it's it's inter interactive. So if you tap on certain areas, it'll take you to that area in the website so you can look through some further details. But more importantly, I wanna go through the financial services guide as well as go through services guide, give you a little bit more of an understanding of the company itself. Yep.","start_word":2830,"end_word":2898,"intents":[{"intent":"Receive brochure","confidence_score":0.3654601}]},{"text":"But more importantly, I wanna go through the financial services guide as well as go through services guide, give you a little bit more of an understanding of the company itself. Yep.","start_word":2867,"end_word":2898,"intents":[{"intent":"Understand company","confidence_score":0.2568284}]},{"text":"But, yeah, let me know when you've received it. Maybe give your maybe give your email a little refresh. Either a refresh or a yeah. Refresh it or I don't know.","start_word":2934,"end_word":2964,"intents":[{"intent":"Refresh email","confidence_score":0.2783361}]},{"text":"Now your gross income per annum. So because you're not working, are you gonna are you gonna receive any sort of income from any place this year?","start_word":3336,"end_word":3362,"intents":[{"intent":"Inquire about income per annum","confidence_score":0.00006882849}]},{"text":"Maybe now after six months, you find that your portfolio has decreased to 20 per decreased by 20%. So you had a $100, now you got 80.","start_word":3969,"end_word":3995,"intents":[{"intent":"Evaluate investing portfolio","confidence_score":0.000167482}]},{"text":"Would you, one, invest heavily to expect future growth? Would you, two, invest a little bit to hopefully dollar cost average and get get a little bit back in return in the recovery?","start_word":3997,"end_word":4029,"intents":[{"intent":"Discuss investment portfolios","confidence_score":0.00018393724}]},{"text":"Or you said that you're comfortable with borrowing for all investments because you just wanna make great return? Yeah.","start_word":4351,"end_word":4369,"intents":[{"intent":"Make comfortable borrowing","confidence_score":0.001533123}]},{"text":"Or you said that you're comfortable with borrowing for all investments because you just wanna make great return? Yeah. All investments.","start_word":4351,"end_word":4371,"intents":[{"intent":"Make great return","confidence_score":0.17050314}]},{"text":"It's probably taking about 80% exposure to shares. But right now, if the market were to crash, we wanna try and limit the amount of exposure you have to those markets and increase the exposure of defensive assets like bonds and fixed interest and cash and thing commodities, gold, things like that to get the return so that you won't be affected in the events of some sort of GFC two point o or something. Right?","start_word":4503,"end_word":4578,"intents":[{"intent":"Limit exposure to shares","confidence_score":0.050120372}]},{"text":"Okay? Right.","start_word":4701,"end_word":4702,"intents":[{"intent":"Prepare strategy","confidence_score":0.24076729}]},{"text":"Did you manage to log in to your your PDFs No.","start_word":4727,"end_word":4737,"intents":[{"intent":"Logging in","confidence_score":0.0014378829}]},{"text":"get reception where I am too.","start_word":4753,"end_word":4758,"intents":[{"intent":"Verifying receipt","confidence_score":0.0011988565}]},{"text":"I can just walk you through the fees and the process if you like. okay. Where is Beautiful.","start_word":4840,"end_word":4857,"intents":[{"intent":"Offering assistance","confidence_score":0.014218324}]},{"text":"I think I'm going to do something else now. I don't know what I'm gonna do. I'm hyped with these bloody fines. No. No.","start_word":4872,"end_word":4895,"intents":[{"intent":"Resolving issue","confidence_score":0.0037074273}]},{"text":"So we, as Oaktree Financial, we run our own Australian financial services license. What that means is we've got the same license as the big banks and insurance companies, things like that. And that number is 513068. You can search this up on Nasdaq registered or my name. You can look it all up. You what that means essentially is that we can give advice on financial products and strategies across anything we like.","start_word":4941,"end_word":5014,"intents":[{"intent":"Providing information","confidence_score":0.14660187}]},{"text":"You can search this up on Nasdaq registered or my name. You can look it all up.","start_word":4978,"end_word":4994,"intents":[{"intent":"Searching for nasdaq","confidence_score":0.0053560613}]},{"text":"You what that means essentially is that we can give advice on financial products and strategies across anything we like.","start_word":4995,"end_word":5014,"intents":[{"intent":"Giving advice","confidence_score":0.017508153}]},{"text":"Now to build trust, we gotta build rapport with our clients. We gotta, you know, make sure that we we are doing everything in our capabilities in line with our core values and our clients to make sure that we're achieving their goals, financial goals, support, and objectives for retirement. Right? Yep.","start_word":5165,"end_word":5216,"intents":[{"intent":"Build trust","confidence_score":0.3929643}]},{"text":"So in order to build that trust, we wanted to essentially work out one one of fee structure to be able to maintain conversations instead of having to pay every time.","start_word":5229,"end_word":5259,"intents":[{"intent":"Maintain conversation","confidence_score":0.33681726}]},{"text":"They work underneath a license, an AFSL, which looks like they it's called a corporate authorized representative. So they work with a company that's licensed by, say, CommBank. There's one of CBA's, one of them. So if I'm working I'm I'm licensed under CommBank, I wouldn't be, like, likely to recommend Westpac products. Right?","start_word":5373,"end_word":5426,"intents":[{"intent":"Acquire license","confidence_score":0.0038398039}]},{"text":"So in order to get around that, we needed to apply for our own AFSL and be able to, yeah, be be in a position to be able to recommend any product on the market, whatever we wanted for our clients. And we got it.","start_word":5565,"end_word":5609,"intents":[{"intent":"Discuss product recommendations","confidence_score":0.0019919355},{"intent":"Apply for afsl","confidence_score":0.44034588}]},{"text":"We do the fact find risk profile, and then what we do is we will we will book in another time where I will present to you a client's advice presentation, which is what's called a statement of advice.","start_word":5649,"end_word":5687,"intents":[{"intent":"Present client's advice","confidence_score":0.552008},{"intent":"Book adviser consult","confidence_score":0.0013740015}]},{"text":"We do the fact find risk profile, and then what we do is we will we will book in another time where I will present to you a client's advice presentation, which is what's called a statement of advice. So legally binding documents that outlines all of our recommendations and gives you an understanding. It protects you.","start_word":5649,"end_word":5705,"intents":[{"intent":"Ensure understanding","confidence_score":0.0057259654},{"intent":"Give advice","confidence_score":0.0019226178}]},{"text":"You'll sign what's called an ATP authority to proceed. That authority to proceed will essentially be we will then implement that strategy, whatever it looks like.","start_word":6042,"end_word":6067,"intents":[{"intent":"Promote strategy","confidence_score":0.010219557}]},{"text":"Now the way we charge, we do charge a professional service fee because we are a professional service, and I like to get paid. I've got people to pay too and keep the lights on and all that.","start_word":6119,"end_word":6156,"intents":[{"intent":"Charge service fee","confidence_score":0.025892418},{"intent":"Assist with fee","confidence_score":0.0009733165}]},{"text":"So we kind of we we have a relationship where we both wanna do good. Right? No. Yep.","start_word":6422,"end_word":6439,"intents":[{"intent":"Establish trust relationship","confidence_score":0.00019210167}]},{"text":"If for some reason you, I guess, yeah, if he tells you to get stuff and wants to come join me in The Bahamas and drink peanut coladas money, then you then you've got a external dispute resolution for us, which is you go to AFSCA.","start_word":6850,"end_word":6895,"intents":[{"intent":"Discuss dispute resolution","confidence_score":0.03012204}]}]},"sentiments":{"segments":[{"text":"Hello? Ross, mate. Sevi's out of calling OP Financial. How are you? Alright.","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.09854879975318909},{"text":"Thank you.","start_word":13,"end_word":14,"sentiment":"positive","sentiment_score":0.4063663482666016},{"text":"Yourself? Yeah. I'm very well, man. I've just been dealing with a a car crash client, and I do apologize. I'm so glad that Maddie reached out to you, asked her to postpone this. I yeah.","start_word":15,"end_word":50,"sentiment":"neutral","sentiment_score":-0.1578938066959381},{"text":"When we deal with insurances, unfortunately, you you know, you gotta deal with the bad side of it as well as when family members call you up, it's, yeah, it's not ideal.","start_word":51,"end_word":82,"sentiment":"negative","sentiment_score":-0.4102083444595337},{"text":"So I do apologize.","start_word":83,"end_word":86,"sentiment":"neutral","sentiment_score":-0.3214690685272217},{"text":"It's the second time in a row, and it's not acceptable, and I apologize, mate.","start_word":87,"end_word":101,"sentiment":"negative","sentiment_score":-0.4666213095188141},{"text":"Go over, buddy. Now, I do have time. I do wanna run through a bit of a fact find and a risk profile, give you an idea about us as well, and then book in some time to go through the statement of advice and recommendations. So, yeah, I guess the the from an itinerary point of view, you know, you we I like to get an idea of what you're looking for and see if we can assist in any way. And then, yeah, from there, we'll go to you know, after lunch, a little bit more about you, I'll show you a little bit more about us. And then I'll go Yes. through a bit of fact find risk profile, and then we'll go from there. Right? Okay. Beautiful. So what what exactly I think my I think Scottie said something about superannuation. Right? That's correct. I don't have a lot Okay. in superannuation, but I have I think that's a 130 or something. Okay. Okay. So a 130 k. And is it just around, you know, what's what's you're looking to do with it? Do you wanna draw 30. it out? Or do you want Yeah. yeah. I'm not pretty sure what to do. I Okay. I I think I'm to pull it out because I'm at I'm 66. So Yep. Gotcha.","start_word":102,"end_word":326,"sentiment":"neutral","sentiment_score":0.06088852137327194},{"text":"I I don't think I pay tax or anything or or that.","start_word":327,"end_word":338,"sentiment":"negative","sentiment_score":-0.3704639077186585},{"text":"Yeah. Correct. Yeah. This tax free after preservation age, which is age 60. Yeah. But, yeah, you can draw it down as a lump sum. What what what what's the intention of drawing it out of super? Do you wanna kind of use it to make interest or make return, or do you wanna spend it? What's what are you what's your thoughts?","start_word":339,"end_word":401,"sentiment":"neutral","sentiment_score":0.0908793807029724},{"text":"Well, I'm not I'm not really sure exactly what exactly what to do myself. I'm just a bit up in the air. I don't know what to do.","start_word":402,"end_word":429,"sentiment":"negative","sentiment_score":-0.4970488846302033},{"text":"Okay. Like, I'm allowed to have it in there. I've only got another eight months so I get the pension. I Yeah. Correct. But when you do get the pension are you are you a single individual, or are you have you got a partner? Single. Single. Yeah. Single.","start_word":430,"end_word":478,"sentiment":"neutral","sentiment_score":0.05281123146414757},{"text":"Beautiful.","start_word":479,"end_word":479,"sentiment":"positive","sentiment_score":0.598453164100647},{"text":"So if you're single, you've got you can essentially get about $909,100 bucks and 5<unk>. Well, I believe at the moment, or last summer check, $909,100 or so dollars a fortnight from the pension at the age of 67 if you meet the asset test, the income test, and the work test. So have you did you did you do you want me to walk you through a bit of that? Or It it probably helped because I I really don't know anything about any. okay. Okay. Well, then we're speaking to you speaking to the right person because this is our lives. So Yep. we have to know all these rules and how to use them. So when you're looking at superannuation, you can actually access that at age 60, what we call preservation Yep. age, and you can draw that down at a a certain, you know, amount or you can pull it out lump sum if you stop working. Yet over the age of 65 and you're still working, you can actually pull withdraw a maximum amount of all of it. Okay. So moving forward from a superannuation point of view, it's it's most of the time, you you're in that gap, what I like to call the Goldilocks zone. So from age 60 to about 67 69 kind of area, it's Yep.","start_word":480,"end_word":705,"sentiment":"neutral","sentiment_score":0.09626611932057196},{"text":"really, really useful to have superannuation accounts and pump as much money as you can into it.","start_word":706,"end_word":722,"sentiment":"positive","sentiment_score":0.6333395838737488},{"text":"I wish we had this conversation when you turn 60 because you can Yes. draw yeah. You can start drawing down money from your super tax free and then salary sacrifice your wage back in and just to mitigate all your tax. So there are strategies around that. You said that you had eight months before you had the pension. Are you still working at the moment? Or Well, I'm sort of not working because I had, like, major surgery not long ago. I had cancer Oh, removed. okay. I'm sorry to hear that, man. Yeah. Did you did you have any insurance policies to claim on? Or Not really. No. No. I'm I'm on unemployment. It's got me on unemployment debt. I'm I'm on that at the moment. But yeah. Only because of my operation. I'm gonna trying to cover because I gotta wear a bag the rest of my life now, and I'm trying to get out the infections and stuff like that. Yeah. Gotcha. Gotcha. Gotcha. Okay. So let's let me let me let's reverse engineer this. So at the moment so let's say you get to you know, we're we're just looking at ways that we can assist. So would you want to start living on an income from from your superannuation as well as your pension? And if that is an income, what kind of income do you think, you just say per week, would you need, like, to to be able to fulfill your usual dues of life? Like, a $500 a week, 1,000 a week? What what are you kind of what do you think would be a good number? I'm 500 away from you. Good. $5,500 a week. Okay.","start_word":723,"end_word":1009,"sentiment":"neutral","sentiment_score":-0.012364789843559263},{"text":"Beautiful.","start_word":1010,"end_word":1010,"sentiment":"positive","sentiment_score":0.3774784207344055},{"text":"There you go. So if you're looking at so what I'll do Yeah. is I might I'll prepare some strategies, but overall, just trying to utilize that $500 a week and see what we can do to be able to make sure that you've got that $500 a week until, you know, the day you die. Right? Yeah. Yeah. So that's is that is that kind of the overall goal? Or Well, I think so. Yeah.","start_word":1011,"end_word":1086,"sentiment":"neutral","sentiment_score":0.10670701522184044},{"text":"I'm really not sure. Like, I don't I don't I okay.","start_word":1087,"end_word":1097,"sentiment":"negative","sentiment_score":-0.36075347661972046},{"text":"really don't know. No. Yeah. That's okay. Do you okay. Well, let's so let let's do this. I'll I'll use that number, $500 a week. Do you have a mortgage? Do you have do you have rents? Like, what what's your living situation look like? Do Only you have a assets? I I paid $2.50 a week, Greg. That's all I paid. Okay. Okay. So you got $2.50 a week rent.","start_word":1098,"end_word":1168,"sentiment":"neutral","sentiment_score":0.01632821187376976},{"text":"Beautiful.","start_word":1169,"end_word":1169,"sentiment":"positive","sentiment_score":0.4438520073890686},{"text":"And do you have any other assets lying around? Yeah. Motor vehicles, I you know, have things car. like that? Yeah. Got Yep. Toyota. You got it. Beautiful And Toyota. What kind of Toyota? a Toyota u. It's a work u. Yeah.","start_word":1170,"end_word":1211,"sentiment":"neutral","sentiment_score":0.07624787092208862},{"text":"Amazing.","start_word":1212,"end_word":1212,"sentiment":"positive","sentiment_score":0.382937490940094},{"text":"How much is the value of that? Probably about $12.12 grand, $13. So yeah. Yeah. Cool. Okay. And do you have any loans against that? Or No. No. No. No. I don't know right. Yep. Shit. Beautiful. And nothing else? No superyacht, penthouse, apartment somewhere? Or No. Not I've got a little bit of money in offshore. Yeah. Like, $30,000. Yeah. okay. Okay. No. That's alright, Paul. It's it's it's offshore for a reason, so we'll just leave that be. Okay. No. That's Right. So so with the rent being $250 a week, do you think that is that other 250 to make up the $500 per week, is that do you think that's gonna be enough to, you know, pay for groceries and live your life? Is that enough? If I could get you to 600, would that be better? Maybe 7. Yeah. $7,700? Yeah. I think that's a little bit more reasonable. Okay. So let's go $700 per week is what you wanted to do, and you you want that by the age of 60 Listen. seven. Yeah? Yeah. Yeah. Do you need any cash at the moment? Because you're you're able to pull that those funds out of super if you like, if you're not working. No. I'm I'm alright at the Okay. moment. Okay. Okay.","start_word":1213,"end_word":1431,"sentiment":"neutral","sentiment_score":0.003806338809243484},{"text":"Beautiful.","start_word":1432,"end_word":1432,"sentiment":"positive","sentiment_score":0.45728200674057007},{"text":"So 700 k per week. And now not a problem. So I can yep. We can create some sort of strategy. So what I'll do is I'll see what the what the pension payments will look like, Yes. and then we can start drawing down just a small facility, I think, about 5% or so from your 130 k in super. Who's your super worth, by the way? Sorry? Sorry. Who Who is is with? your super and yeah. Where is your superannuation held? I think it's a retirement fund or something like that. Could be A r just have t, Australian Retirement Trust. I think so. Yeah.","start_word":1433,"end_word":1540,"sentiment":"neutral","sentiment_score":0.08389715105295181},{"text":"That's the Beautiful. one. Amazing.","start_word":1541,"end_word":1545,"sentiment":"positive","sentiment_score":0.42043811082839966},{"text":"You wouldn't happen to have a statement or anything lying around, or can you email me someone? You that'll Okay. help me out a lot.","start_word":1546,"end_word":1570,"sentiment":"neutral","sentiment_score":0.15935027599334717},{"text":"Very good.","start_word":1571,"end_word":1572,"sentiment":"positive","sentiment_score":0.4766980111598969},{"text":"Australian Retirement Fund online. My member's number is 902756519. 902 Nine zero two seven five six five one 6519.","start_word":1573,"end_word":1591,"sentiment":"neutral","sentiment_score":0.07779410481452942},{"text":"Beautiful.","start_word":1592,"end_word":1592,"sentiment":"positive","sentiment_score":0.4050939083099365},{"text":"yeah.","start_word":1593,"end_word":1593,"sentiment":"neutral","sentiment_score":0.3166535496711731},{"text":"It's a Perfect, 130 sir.","start_word":1594,"end_word":1598,"sentiment":"positive","sentiment_score":0.369255393743515},{"text":"34,000 in there, apparently.","start_word":1599,"end_word":1602,"sentiment":"neutral","sentiment_score":0.1923193484544754},{"text":"Beautiful. Amazing. Yep. Perfect.","start_word":1603,"end_word":1606,"sentiment":"positive","sentiment_score":0.4950899481773377},{"text":"Alright. So we're gonna utilize that those funds in your super to make up to that as well as using the pension. We're gonna Yeah. be looking at ways to potentially move that $700 and then a lot of projections and not just if you're super invested in the matter that's gonna achieve that kind of return so that you can continue that that income of $700 a week all the way up to retirement. Yeah? Okay. Because what I was thinking once you once you retire at 67, if you Yep. pulled it back, it's like, it'll be a 100 and will will they still pay the pension? You got a $130 and then out in your bank? That's what worried me, like No.","start_word":1607,"end_word":1731,"sentiment":"neutral","sentiment_score":0.11565809869766236},{"text":"So it doesn't really work like that.","start_word":1732,"end_word":1738,"sentiment":"negative","sentiment_score":-0.4014711081981659},{"text":"So do remember when I was talking about the work test, the asset test, and the income test? yeah. Yeah. So Yeah. they what you're talking about is the asset test. So the asset test is is essentially how much assets you pulled together as a single individual, and there's a cap on that. And then just from memory, it could be wrong to quote me on it, but I believe it's 425,000 and 250 or $475,250 is the limit of total assets including superannuation that you can have exclusive of a primary place residence. But because that's not you're not falling above Yes. that bracket with your super, then you are you should be entitled to the full pension, but I'm gonna calculate all that and let you know what it looks like anyway. Okay. Yeah. No.","start_word":1739,"end_word":1876,"sentiment":"neutral","sentiment_score":-0.007846103049814701},{"text":"That's perfect. That's perfect. Yep. So we can work that out and try and achieve that $700 per week.","start_word":1877,"end_word":1895,"sentiment":"positive","sentiment_score":0.5248725414276123},{"text":"Anything else? Any sort of, you know, any any other goals? What is it that you wanted to kind of achieve with the $700? Where do you have any plans? You wanna go traveling? Do you wanna kinda what what what what does retirement look like for you? Yeah. Not real good. Good. Well, I beg to differ from you. You got a 137 k a $134 there, and you're about to qualify for the full pension.","start_word":1896,"end_word":1972,"sentiment":"neutral","sentiment_score":0.11096940189599992},{"text":"It's pretty good.","start_word":1973,"end_word":1975,"sentiment":"positive","sentiment_score":0.47534844279289246},{"text":"Yeah. Well, yeah. You know, I'm some gonna retirements are different to others. You know, some people want penthouses and super yachts. Some people wanna live on a shack on the beach and just set up every day. So Yeah. it really Well, depends. Yeah. that's it. Yeah. So what does that look like? What does that look like for you? What do you what do you wanna you know, you've got all the time, the Lord. You hang the boots up.","start_word":1976,"end_word":2057,"sentiment":"neutral","sentiment_score":0.08248520438082335},{"text":"You chill out.","start_word":2058,"end_word":2060,"sentiment":"positive","sentiment_score":0.33885863423347473},{"text":"What what does that look like for you? What do you wanna what do you what I would you I like? could if I could travel a little bit, Leo, like yeah. Yep. Yep. Where where to? Where where would you like to travel to? Probably Vietnam again or, you know, back Yeah. It's to it. Vietnam.","start_word":2061,"end_word":2117,"sentiment":"neutral","sentiment_score":0.08036669343709946},{"text":"It's beautiful. Oh, like Yep.","start_word":2118,"end_word":2122,"sentiment":"positive","sentiment_score":0.540685772895813},{"text":"Ho Chi Minh. Oh, it's Ho Chi Minh.","start_word":2123,"end_word":2130,"sentiment":"neutral","sentiment_score":0.3057231307029724},{"text":"It's a wild place.","start_word":2131,"end_word":2134,"sentiment":"positive","sentiment_score":0.4998862147331238},{"text":"It took scooters all the way up to Hanoi once upon a time in my life.","start_word":2135,"end_word":2150,"sentiment":"neutral","sentiment_score":0.3258649706840515},{"text":"And it's, yeah, it's a special kind of place.","start_word":2151,"end_word":2159,"sentiment":"positive","sentiment_score":0.4218747913837433},{"text":"I guess, so Vietnam, do you are you thinking in the next couple of years, maybe, like, 70, you can do it for a seventieth birthday? Or Yeah. Yeah. I mean, I didn't you know, I'd like to travel in Australia a little bit too, but, you know? Absolutely. Yeah. Yeah. I mean, I've Okay. done Beautiful. a lot of traveling around things that work that I do, but it'd be nice to do a little bit more where you're not working. You know what I mean?","start_word":2160,"end_word":2246,"sentiment":"neutral","sentiment_score":0.08406241238117218},{"text":"Enjoying.","start_word":2247,"end_word":2247,"sentiment":"positive","sentiment_score":0.3369477689266205},{"text":"Mhmm. Yeah. Yeah. No. Not I understand saying I understand completely. because I've been Yeah. No. Yeah. Sorry. Go on. Yeah. You've been you've been working your entire life, mate. You know what I mean? It's it's about time that you reach the rewards of all that hard work.","start_word":2248,"end_word":2296,"sentiment":"neutral","sentiment_score":0.034978948533535004},{"text":"Well, that's correct. Yep. I'm getting there. Exactly. Yeah.","start_word":2297,"end_word":2305,"sentiment":"positive","sentiment_score":0.4285065531730652},{"text":"Paperless.","start_word":2306,"end_word":2306,"sentiment":"neutral","sentiment_score":0.3239879310131073},{"text":"Well, hopefully, we hopefully, we can help you out in achieving those goals because that's our Six.","start_word":2307,"end_word":2323,"sentiment":"positive","sentiment_score":0.5506283640861511},{"text":"job. Yep. So no. That's that's right.","start_word":2324,"end_word":2330,"sentiment":"neutral","sentiment_score":0.1301330924034119},{"text":"That gives me a solid understanding of what you're looking for, and, yeah, I'm fairly sure that we'll be able to, yeah, strategize something, plan something, work it out. So thank you for that.","start_word":2331,"end_word":2364,"sentiment":"positive","sentiment_score":0.5035808086395264},{"text":"I will send you through an email Yep. regarding our a little bit to just now that I know more about you, like I said, I wanna show you a little bit more about us, fees, and all Yep. that stuff, and some of the compliance as well because we are currently more regulated than the pharmaceutical industry in Australia, which is crazy. But that essentially gives me a it'll give me the opportunity to and you the opportunity to make an informed decision, obviously, on whether you wanna proceed or not. Okay? Yeah. So I really Yes. No. You're alright, man. Alright. yeah. Yeah. No. It's all good, sir. Yep. I mean, everything you're doing Yeah. from Yeah. this gives me an idea of what's going on as well because I had no idea at all. Yeah. Yeah. No. That's alright. That's alright. That's you you're not alone in that department. I can assure you that. We've been doing this for a long time and yeah. This Yeah. conversation of what do you wanna achieve, it's a it's a question that nobody really asks themselves. Weird one.","start_word":2365,"end_word":2552,"sentiment":"neutral","sentiment_score":0.12643371522426605},{"text":"That's great. The the boys the boys put me on to you, and they're very proud of you, and they they think you're good. Oh, thank you, mate. I really appreciate that.","start_word":2553,"end_word":2584,"sentiment":"positive","sentiment_score":0.5654626488685608},{"text":"Yeah. He's he's he's he's riding. He's taking his bike up north or something at the moment. Yeah. He's moving up to Townsville for a little bit. Trying Yeah. to take That's some right. That's right. Family. Yep. Jesse.","start_word":2585,"end_word":2623,"sentiment":"neutral","sentiment_score":0.054607681930065155},{"text":"Good on him. He's a good he's a good egg. You've you've raised a good kid there. Love this guy. He's a good he's a good man.","start_word":2624,"end_word":2650,"sentiment":"positive","sentiment_score":0.60812908411026},{"text":"Okay. Financial, initial consultation. So are you in front of your computer or phone? Can you open up your It's on my side at the moment. I don't really get no. on the That's computer. alright. No. That's alright. Are you able to put me on loudspeaker? Are you in a private environment so we can talk about this and you can I just need you to look at the document that I'm showing you? Okay. How do I do that? Not just the loud speaker. You speak you press the speaker button. Speak button? Yep. Yep. Yep. I got that speaker button. John, you're on? Yep. Hello? Yep. Yep. I'm here.","start_word":2651,"end_word":2762,"sentiment":"neutral","sentiment_score":-0.00919048860669136},{"text":"Beautiful. So I can hear you.","start_word":2763,"end_word":2768,"sentiment":"positive","sentiment_score":0.4712376594543457},{"text":"So you wanna go and open up your emails. Do you have your emails in on your phone or beautiful. Yeah. It should be up my son. Just do that later. Yep.","start_word":2769,"end_word":2800,"sentiment":"neutral","sentiment_score":0.19321291148662567},{"text":"Beautiful.","start_word":2801,"end_word":2801,"sentiment":"positive","sentiment_score":0.5423027276992798},{"text":"Now what I'm gonna do here is I'm gonna shoot you through a couple of documents, man. And one of them is actually inclusive of our digital brochure. So that digital brochure will will essentially give you it's it's inter interactive. So if you tap on certain areas, it'll take you to that area in the website so you can look through some further details. But more importantly, I wanna go through the financial services guide as well as go through services guide, give you a little bit more of an understanding of the company itself. Yep. And I've just sent that through, so you should be receiving that shortly in whenever it's finished going through the up there in the ether web, the cloud, however that works. Yeah. Somewhere up there. But, yeah, let me know when you've received it. Maybe give your maybe give your email a little refresh. Either a refresh or a yeah. Refresh it or I don't know. Look in your spam. Sometimes it goes to spam if it's a new email address, but we'll just see. It should come to your inbox. Uh-huh. Okay. It's not coming just yet. That's right, mate. Take your time. It's okay. What's it doing? Yeah. It'll come the subject can be OPU Financial initial consultation, Ross Miles, and it's from myself, Sebi, at OPU Financial. Alright. Mhmm. Kind of looking at, please. Try. This event has been uploaded. Change. Yeah. Here. It says open URL, but it won't back in. It won't open for some reason. Cannot Okay. cannot load If files. you it's a PDF. So is there any way that you can maybe is it on the bottom of your email, or you should be able to see attachment. Yeah? Okay. Now it says sign in. Yeah. Do you need to sign in to your actual account? Yeah. I think Yeah. I think Sign in. Yeah. No. That's alright. Well, take your time. Sign on in. Okay. It should be just my email. Key phone number in there. Just phone number. Mhmm. I hear we're having some help in the background. Is that your partner or Yeah. beautiful. Hey.","start_word":2802,"end_word":3164,"sentiment":"neutral","sentiment_score":0.039279511225340534},{"text":"That's Yes. lovely to meet you. Good day.","start_word":3165,"end_word":3172,"sentiment":"positive","sentiment_score":0.4413726031780243},{"text":"No. Virtually What meet you, is should I your say? email address name? Ross Miles Hotmail dot a u. Alright. And while we're getting signed in there, I've got your email. I've got your mobile. What is your home address at the moment? 22 Close. Yep. Early Waters. Sorry. I've I've missed the name of the street. Blue Moon. Blue Moon. Beautiful. One word or Yeah. Blue Moon, one word. Close. street. Close. Got it. Yep. Burley Ward. That's barely 4220 Seven. 7. Okay. Burley Waters, Queensland. Well, that's Yep. all good. One of the seven. Good. Good. And you don't have a PO box or anything like that? No. No. No. Beautiful. And your spouse's name? And do you have any dependents running around? That's alright. All good. Alright.","start_word":3173,"end_word":3302,"sentiment":"neutral","sentiment_score":0.04096980392932892},{"text":"Perfect.","start_word":3303,"end_word":3303,"sentiment":"positive","sentiment_score":0.3502276837825775},{"text":"And you would say would you say that you're looking at being retired because of the recent recent surgery? Or Yeah. But, actually. okay.","start_word":3304,"end_word":3327,"sentiment":"neutral","sentiment_score":0.06112654460594058},{"text":"Beautiful. Amazing. That's qualifications. That is all good.","start_word":3328,"end_word":3335,"sentiment":"positive","sentiment_score":0.5908248424530029},{"text":"Now your gross income per annum. So because you're not working, are you gonna are you gonna receive any sort of income from any place this year? Or Actually, it's unemployment. I don't get it. I get that 824 a fortnight. You Okay. K. All good. Perfect. know, Please proceed. did they, Sorry. bring another spouse sort of thing. I'm Yeah. sorry? So, like, just my lady friend, Janelle. Yep. She's just a last Gotcha. friend. Yeah. Yeah. Lady friends. Not a problem. Perfect. And I've got your house as liabilities. That is all good. Mate, what is your highest and weight at the moment? Weight's weight is about seventy four kilo. Height's Yep. hundred and eighty seven. Hundred and eighty seven centimeters. Yep. Beautiful. Do you have a power of attorney or, you know, a will or anything like that? No. I don't have one of those. That's not a problem at all. And so that that's all good. I've I've pretty much got everything I need, I believe. What is your date of birth? Sixteen to the six sixty. Of the sixth nineteen sixty. Beautiful. And you know this day and age, you never know, but I have to ask a question. I am assuming you're a male. Beautiful. Marital status. You said single, lady, friend, all good. Mate, that is all good. What I'm gonna do is walk you through what's called a it's it's essentially a risk profile questionnaire. Because in understanding that if we were to look at a way to get your superannuation working to a better position to achieve your goals and objectives, Yep. I need to Yep. make sure that we invested appropriately in line with your tolerance and capacity for risk. Right? Yep. So when we talk about this, it's taking we call risk on, risk off. Some of these questions are kind of stupid, but they are made up by the federal government, not us, and the ASIC, the Yep. Australian Securities Investment Commission. So I'll run you through a few of them, and then we'll get to the end. I'll give you a risk profile score, and then I'll determine what I believe if you are appropriately invested, by the way you answer these questions, or not. So first one, how would you rate your willingness to take financial risk? Would you say that you're one, a very high risk taker, two, a high risk taker, three, an average risk taker, or four, low risk taker? I'd say four. Four, low risk taker.","start_word":3336,"end_word":3759,"sentiment":"neutral","sentiment_score":0.026782154982013383},{"text":"Beautiful.","start_word":3760,"end_word":3760,"sentiment":"positive","sentiment_score":0.4805496335029602},{"text":"Alright. Now how familiar are you with investment markets? Would you say that you're comfortable with investment knowledge? Would you say that you're aware that investments fluctuate? Or would you say that you got a very basic understanding? Very basic understanding. Understood. And what is the most aggressive investment you've ever made? Have you ever bought direct shares? No. No. Spice. No? Okay. Oh, the bar? No. That's fair enough.","start_word":3761,"end_word":3830,"sentiment":"neutral","sentiment_score":0.01894642785191536},{"text":"It's a good purchase. Positive.","start_word":3831,"end_word":3835,"sentiment":"positive","sentiment_score":0.4743382036685944},{"text":"Okay.","start_word":3836,"end_word":3836,"sentiment":"neutral","sentiment_score":0.29183074831962585},{"text":"That's all good.","start_word":3837,"end_word":3839,"sentiment":"positive","sentiment_score":0.3885691165924072},{"text":"Now the next question is gonna do with volatility. So volatility is obviously the fluctuation of your superannuation funds or any investment that goes up, goes down. It's the nature of the beast. So investments can go both up and down in value. That's essentially volatility. How much could your investment drop in value over the next twelve months before you start feeling concerned and anxious? K? So if you invest your super with us, let's say, had we invested in something or a whole bunch of things, and it how much could it fall by in twelve months before you start feeling concerned and anxious? One, more than 50%. Two, up to 50%. Three, up to 25%. Four up to 10%, five up to 5%. 25. 25%. Beautiful. Maybe now after six months, you find that your portfolio has decreased to 20 per decreased by 20%. So you had a $100, now you got 80. Would you, one, invest heavily to expect future growth? Would you, two, invest a little bit to hopefully dollar cost average and get get a little bit back in return in the recovery? Would you, three, hold and waste improvements after speaking to a financial professional? Or four, you'll tell me to get stuffed and you'd sell everything to cash? Probably two.","start_word":3840,"end_word":4057,"sentiment":"neutral","sentiment_score":-0.11086852944225346},{"text":"So beautiful.","start_word":4058,"end_word":4059,"sentiment":"positive","sentiment_score":0.35840004682540894},{"text":"And have you ever had investments including superannuation of a drop in value? And if so, how did it make you feel? Were you optimistic about the future? Were you cautious in not making any more investments, or were you extremely concerned? I haven't had any Okay.","start_word":4060,"end_word":4106,"sentiment":"neutral","sentiment_score":-0.1091926321387291},{"text":"Beautiful. Beautiful. Beautiful.","start_word":4107,"end_word":4109,"sentiment":"positive","sentiment_score":0.44671791791915894},{"text":"Okay. I'm just doing the compliance points over here, mate. Give me a second. Alright. There we go. There we go. Alright. Once the investments have been placed in force, how long would you need to access in your capital? I'm gonna say you're gonna be kicking for another ten years or so, if not more. Would you agree? Yes. Beautiful. And how much risk are you willing to take to get the return you want? Do you want maximum returns regardless of risk? You want moderate risk with good returns? Or do you want safety first and put everything in cash and essentially have inflation either way at your savings? Safety first. Alright. Okay. Well, safety first.","start_word":4110,"end_word":4227,"sentiment":"neutral","sentiment_score":0.03222423419356346},{"text":"Cool. Amazing.","start_word":4228,"end_word":4229,"sentiment":"positive","sentiment_score":0.412711501121521},{"text":"There we go. So now have you ever thought about taking out a loan to invest? So one, you have borrowed or open to borrowing for stocks and funds. Two, have borrowed or open to borrowing for an investment property, but only investment property, not shares. Or five, you would only consider borrowing for your own home. I'll be I need to find but Okay. Good. No. That's that's no. That's a good answer. Beautiful. And based on the way that you answered that last question, how would taking out a loan to invest make you feel? Would you say that you're worried about borrowing due to the significant risks? You say you're hesitant and you're wary of the risks? Or you said that you're comfortable with borrowing for all investments because you just wanna make great return? Yeah. All investments.","start_word":4230,"end_word":4370,"sentiment":"neutral","sentiment_score":0.01837953417859179},{"text":"Great return. All investments, great return.","start_word":4371,"end_word":4376,"sentiment":"positive","sentiment_score":0.6368393898010254},{"text":"Yep. Okay. Not a problem. But you said in the previous question that you said you'd only borrow for for a home. Right? So I Yep. might I might put you down as you're somewhat comfortable, but you are cautious you're a little bit cautious, but you're comfortable to do it. Yes? Yep.","start_word":4377,"end_word":4429,"sentiment":"neutral","sentiment_score":0.058672551065683365},{"text":"Beautiful. Beautiful. Now, mate, you have come out as a 39. That means that you are a balanced growth investor. Man, I think that is absolutely perfect for your agent stage in life.","start_word":4430,"end_word":4462,"sentiment":"positive","sentiment_score":0.46578022837638855},{"text":"What that means is you're gonna take about 60% or 50 to 60% exposure to direct shares because currently, your superannuation I'll have a look at what your AOT is invested in. It's probably a lot more aggressive than that. It's probably taking about 80% exposure to shares. But right now, if the market were to crash, we wanna try and limit the amount of exposure you have to those markets and increase the exposure of defensive assets like bonds and fixed interest and cash and thing commodities, gold, things like that to get the return so that you won't be affected in the events of some sort of GFC two point o or something. Right? So what we wanna do ultimately is try and get you the greater return, but at the same time, reduce the level of exposure and risk you're taking to get that. Okay? So Yes. where my and if you agree with them, you're happy with that, what I'd like to do is I'll prepare a strategy based on a return from a superannuation management point of view to, yeah, to pretty much ensure that you you will be invested in a manner that's not only protecting your assets that you've built over time, but will still be getting you an an adequate return to try and be able to sustain your lifestyle out of $700 a week on top of your pension. Okay? Right. Yep.","start_word":4463,"end_word":4703,"sentiment":"neutral","sentiment_score":0.2144419401884079},{"text":"Beautiful.","start_word":4704,"end_word":4704,"sentiment":"positive","sentiment_score":0.38452306389808655},{"text":"And I'll show you what that looks like in our projections. Now did you manage to get the the documents up? Did you manage to log in to your your PDFs No. or your It hasn't emails?","start_word":4705,"end_word":4741,"sentiment":"neutral","sentiment_score":0.03837179533533148},{"text":"it hasn't come up. I don't know why. That's I annoying. get reception where I am too.","start_word":4742,"end_word":4758,"sentiment":"negative","sentiment_score":-0.5851613879203796},{"text":"Yeah. I can hear that. No. That's okay. That's alright. So what I might do is just walk you through it. You've got it. It's also linked to the calendar invite if you wanted to open that up, maybe try and give that a crack. Did you do you have Google Mail, or do you have your do you remember the calendar invite that I sent to you? I I If think not it if not yeah. If not, it's okay. I can just walk you through the fees and the process if you like. okay. Where is Beautiful. it going? It should be under Oakview Financial somewhere. It should be after that. I think I'm going to do something else now. I don't know what I'm gonna do.","start_word":4759,"end_word":4887,"sentiment":"neutral","sentiment_score":-0.017688842490315437},{"text":"I'm hyped with these bloody fines.","start_word":4888,"end_word":4893,"sentiment":"negative","sentiment_score":-0.4353276491165161},{"text":"No. No. Technology is amazing when it works, but when it doesn't, it's an iPad. Yep. I completely agree and understand. Alright. Well, either way, while you're trying to do it, I can I can give you a bit of a little bit of a lay down? So we, as Oaktree Financial, we run our own Australian financial services license. What that means is we've got the same license as the big banks and insurance companies, things like that. And that number is 513068. You can search this up on Nasdaq registered or my name. You can look it all up. You what that means essentially is that we can give advice on financial products and strategies across anything we like. We've got no one above us kinda directing what we do. It's a very free license. And I guess the whole reason why we started the company so my business partner, his wife, and I started this company in a garage in Pimpama in hundreds of thousands of dollars worth of debt from an angel investor with no clients and a dream, I guess. And didn't know didn't have any idea how this was gonna end up, but we did it anyway. And now we got about 43 employees and, you know, somehow it works pretty pretty pretty crazy sometimes walking into that office. But, yeah, somehow we did it.","start_word":4894,"end_word":5124,"sentiment":"neutral","sentiment_score":0.05747480406647637},{"text":"So thank the lord for that. But, yeah, look, to to give you an idea of where we started and where we are now, we started it with the vision of being the most trusted financial planning firm in Australia. Now to build trust, we gotta build rapport with our clients. We gotta, you know, make sure that we we are doing everything in our capabilities in line with our core values and our clients to make sure that we're achieving their goals, financial goals, support, and objectives for retirement.","start_word":5125,"end_word":5214,"sentiment":"positive","sentiment_score":0.5425275564193726},{"text":"Right? Yep. That's why I wanted to determine what that look like for you.","start_word":5215,"end_word":5228,"sentiment":"neutral","sentiment_score":0.31125229597091675},{"text":"So in order to build that trust, we wanted to essentially work out one one of fee structure to be able to maintain conversations instead of having to pay every time. And secondly, to be the most trusted, we've got to yeah. We wanted to do that by upholding our mission, which is to provide long term holistic strategies to couples, families, and individuals like yourself. So, yep, you are perfectly within our target market determination.","start_word":5229,"end_word":5304,"sentiment":"positive","sentiment_score":0.44459301233291626},{"text":"And, yep, I guess from from there, we wanted to it was during the Hayden Royal Commission when we started it into banking and finance, and maybe there are a lot of people doing the wrong thing. But there's a few of us that are trying to do the right thing, and that's why we started the company. So, usually, how it works is boutique firms like ourselves. They work underneath a license, an AFSL, which looks like they it's called a corporate authorized representative. So they work with a company that's licensed by, say, CommBank. There's one of CBA's, one of them.","start_word":5305,"end_word":5407,"sentiment":"neutral","sentiment_score":-0.04353869706392288},{"text":"So if I'm working I'm I'm licensed under CommBank, I wouldn't be, like, likely to recommend Westpac products.","start_word":5408,"end_word":5425,"sentiment":"negative","sentiment_score":-0.3561440706253052},{"text":"Right?","start_word":5426,"end_word":5426,"sentiment":"neutral","sentiment_score":-0.219049870967865},{"text":"Not No.","start_word":5427,"end_word":5428,"sentiment":"negative","sentiment_score":-0.46724507212638855},{"text":"because it's in the best interest of the clients, but because it's in the best interest of my principal and because they get comms and they get no commission.","start_word":5429,"end_word":5457,"sentiment":"positive","sentiment_score":0.404939204454422},{"text":"They get paid on all their products. Right?","start_word":5458,"end_word":5465,"sentiment":"neutral","sentiment_score":0.22160975635051727},{"text":"Not Westpac. So that's a direct conflict to me. If you're a product maker, I don't believe you should be a product provider, like a product recommender because you're Yep.","start_word":5466,"end_word":5495,"sentiment":"negative","sentiment_score":-0.4561302959918976},{"text":"gonna recommend your own products, obviously. So to be able to be you know what I mean? So if if if Westpac's product for you, for instance, is a better product for you, it's cheaper in every way, it's better. But I'm only restricted to recommend what my principal Yep. tells me to, then, you know, it's not looking after your best interest, is it? It's looking after theirs. So in order to get around that, we needed to apply for our own AFSL and be able to, yeah, be be in a position to be able to recommend any product on the market, whatever we wanted for our clients. And we got it. So that Yep. gives you a bit of a background. Essentially, from here, what we're gonna do is we we do the initial client consult. So we've already done that and get an understanding of you. You understand us. We do the fact find risk profile, and then what we do is we will we will book in another time where I will present to you a client's advice presentation, which is what's called a statement of advice. So legally binding documents that outlines all of our recommendations and gives you an understanding. It protects you. It also protects us to make sure that what we say is on pay pen and paper, and you've got a copy. I've got a copy. So if anything goes tits up, you know, it's it's you you're you're covered as well because we've given that advice under our licenses. So when an adviser becomes licensed under an appraisal or with ASIC and the federal government, we get a number. Mine's 1259315, and that sticks with us Yep. for life to make sure that we don't have any, like, banning or disqualifications or anything like that, k, which I do not. And you can search that up if you like, if you did wanna read some boring stuff. But, yeah, I've got and then after we present that statement of your advice and you understand that we can get you in a better position, because if I can't, I'll be the first one to call you and say, look, the only person that's gonna win if you come forward as a client is me because you're gonna go backwards and I'm gonna get paid fees. And that's not what Yeah. we're about. No. Alright? So but if we can get you in a better position, we'll go you through the statement of advice, give you an idea of what's going on, what we're recommending, why it benefits you, the risks, the advantages, disadvantages, all the stuff. And after that, you can say yay or nay. You told me to go away, get fucked, because you don't like it, don't like me, whatever it is. And that's fine.","start_word":5496,"end_word":5972,"sentiment":"neutral","sentiment_score":0.04774069090215665},{"text":"And that's completely complimentary.","start_word":5973,"end_word":5976,"sentiment":"positive","sentiment_score":0.4546446204185486},{"text":"We don't charge anything until you actually come on board as a client and see the value in our services. So Yes. part of that value is all of those fees are included inside our projections to show you the outcome as well as well as inflation. Okay? Now from there, you give us what's called an ATP. You say, yep. I wanna go ahead. You'll sign what's called an ATP authority to proceed. That authority to proceed will essentially be we will then implement that strategy, whatever it looks like. And then we are definitely not a set and forget kind of place because we like trust.","start_word":5977,"end_word":6084,"sentiment":"neutral","sentiment_score":0.23510578274726868},{"text":"We wanna build amongst it, and we'll do a quarterly update and do a full comprehensive annual review every year to make sure that you're still achieving your goals.","start_word":6085,"end_word":6113,"sentiment":"positive","sentiment_score":0.4144755005836487},{"text":"Yeah?","start_word":6114,"end_word":6114,"sentiment":"neutral","sentiment_score":0.2640123963356018},{"text":"Perfect. Yeah. Perfect.","start_word":6115,"end_word":6117,"sentiment":"positive","sentiment_score":0.5159112215042114},{"text":"Now the way we charge, we do charge a professional service fee because we are a professional service, and I like to get paid.","start_word":6118,"end_word":6141,"sentiment":"neutral","sentiment_score":0.2483217567205429},{"text":"I've got people to pay too and keep the lights on and all that.","start_word":6142,"end_word":6155,"sentiment":"positive","sentiment_score":0.3417789340019226},{"text":"But there's different stages, mate. You are essentially in what's called the seeding stage.","start_word":6156,"end_word":6169,"sentiment":"neutral","sentiment_score":0.13736656308174133},{"text":"So you're you're gonna reap the rewards of everything that you worked hard for. You've you've completed your journey well done, and we're gonna try and get you to retire in style and look at some sort of way to forward your lifestyle.","start_word":6170,"end_word":6212,"sentiment":"positive","sentiment_score":0.671093761920929},{"text":"But not only that, we're looking into generational wealth as well when your time comes to fall off your perch, shall we say. Alright? Yeah. So once you once that's all complimentary, but when you do proceed, we do charge a fee, and that is $4,950. That will get taken out of your superannuation. So we've Yep. managed to work out a way to not charge anything out of your back pocket. We can we will only charge our super it's tax effective so that you you've only paid 15<unk> of the on the dollar going in rather than your marginal Yep. tax rate.","start_word":6213,"end_word":6317,"sentiment":"neutral","sentiment_score":0.2502874433994293},{"text":"So it's more tax effective, and it doesn't and it doesn't come out of your back pocket.","start_word":6318,"end_word":6334,"sentiment":"positive","sentiment_score":0.3799548149108886},{"text":"It doesn't you don't feel it at all. And part of so that's the upfront just to for my time and everybody else's, but Yep. as well as the statement of advice. But moving forward, again, going back from that trust vision, we charge a percentage based fee on your assets. One, because if your funds go up, we get paid more, which is incentive for me. But if your funds Yep. go down, we get paid less.","start_word":6335,"end_word":6412,"sentiment":"neutral","sentiment_score":0.08373172581195831},{"text":"That is not gonna make either of us happy.","start_word":6413,"end_word":6421,"sentiment":"negative","sentiment_score":-0.49181774258613586},{"text":"Right? So we kind of we we have a relationship where we both wanna do good. Right? No. Yep. Yep. So it's a it's a tiered structure. So for the first 200,000, we charge 1.65%. So one point one point five plus GST. Yep. And then after 200,000, if we build your balance above 200,000 to 500,000, it drops to 1.375. Yep. And then from 500,000 to a million, it's 1.1. And then a million onwards, you're looking at 0.825. K? So we tier it like a like a tax brackets. You stop, and then we'll reduce it down. K? So that's that's a little bit more about the fees. But, again, I'll show you all those fees in the SOA, and we'll we'll include those in all projections. Do you have any questions about those fees? Does that make sense? Or No. It all makes sense. Yeah. No.","start_word":6422,"end_word":6569,"sentiment":"neutral","sentiment_score":0.052159362409666586},{"text":"beautiful.","start_word":6570,"end_word":6570,"sentiment":"positive","sentiment_score":0.4683389365673065},{"text":"And because we run our own air parcel, that's we receive a 100% of those commissions. Outside of that, the last thing I wanna touch on is the complaints handling process.","start_word":6571,"end_word":6601,"sentiment":"neutral","sentiment_score":0.08898338675498962},{"text":"So what happens if you invest your money with me and I run away to, I don't know, The Bahamas and drink pina coladas with your money, you would be you wouldn't be very happy with me.","start_word":6602,"end_word":6638,"sentiment":"negative","sentiment_score":-0.3590228259563446},{"text":"So No. there's there's there's processes in in in this there's certain events, I guess. So if you're looking at some sort of thing like that, it hasn't happened. I've been doing this for a long time. But if it does, for whatever reason, then what you do is you go through firstly an internal dispute resolution process, which is IDR, and then after that, an external dispute resolution. If the IDR doesn't you don't get the right outcome that you're looking for. So that IDI is essentially getting in touch with the AFSL, the principal license, which is us, and you speak to the responsible manager of the firm, which is me. But I'm gonna be in the I'm gonna be in The Bahamas drinking pina coladas with your money. So you probably wanna wanna speak to me even if I picked up. So for that and for that reason, we've also got Bart. So Bart Ryan is the bit my business partner. He's more back of house and doesn't practice. So he'll be there to have a chat. And look, we're pretty reasonable. Just just let us know what's going on.","start_word":6639,"end_word":6831,"sentiment":"neutral","sentiment_score":-0.05053275615131299},{"text":"We're happy to help out.","start_word":6832,"end_word":6836,"sentiment":"positive","sentiment_score":0.6418609023094177},{"text":"Do what we can. But if but if for some reason you yeah. If for some reason you, I guess, yeah, if he tells you to get stuff and wants to come join me in The Bahamas and drink peanut coladas money, then you then you've got a external dispute resolution for us, which is you go to AFSCA. They call it AFSCA, the Australian Financial Complaints Authority, and they're pretty much our ombudsman.","start_word":6837,"end_word":6910,"sentiment":"neutral","sentiment_score":0.010523234494030476},{"text":"They love it. They'll get in touch with us and absolutely yeah.","start_word":6911,"end_word":6922,"sentiment":"positive","sentiment_score":0.4817207157611847},{"text":"They make our lives hell. We Yep. are fortunate enough to be doing this for almost a decade, and only have two formal complaints, both of which were crushed because they weren't didn't make sense. And people just you know, people get touchy about their money. And when markets fall, everybody feels it, but some people like to Yes. complain, but that's a part of the process. It is. Yep. So yeah. Correct. It goes up to nothing. It's the nature of the beast. So but there is that solution there. And in those documents, you can find it on our website as well. That number and email address for Africa is there. Like I said, that won't happen. But if you are upset about something or just just just rude for whatever reason, then by all means, mate, just by all means, mate, just just give me a call.","start_word":6923,"end_word":7072,"sentiment":"neutral","sentiment_score":-0.028398383408784863},{"text":"I'm happy to have a chat.","start_word":7073,"end_word":7078,"sentiment":"positive","sentiment_score":0.43538346886634827},{"text":"You know, we refund, Yep. do whatever whatever it is. Not like that. Does that all make sense? Definitely. Yep.","start_word":7079,"end_word":7098,"sentiment":"neutral","sentiment_score":0.04702042788267136},{"text":"Beautiful.","start_word":7099,"end_word":7099,"sentiment":"positive","sentiment_score":0.34600114822387695},{"text":"Do you have any questions or concerns before we book in the time? Or No. Not really. No. beautiful. I'm pretty booked up. What about a couple weeks time? Do you reckon maybe Monday, the fourteenth, would be a good time? Or Yep. That sounds or, actually, maybe even good bring it a little bit closer. Do you to reckon oh, no. I will do. We'll do Monday, the fourteenth. Do you wanna go 1PM or twelve noon? me. 1PM. 1PM it is?","start_word":7100,"end_word":7182,"sentiment":"neutral","sentiment_score":0.02157277275011482},{"text":"Beautiful. Yep. I'll send you another calendar invite, and, Nate, thank you for your time. Absolute pleasure, and Yep. thank you for reaching oh, thanks, Scotty, for getting us in touch. I'll get working on this plan and try to see what we can do to get that goal of $700 a week Yep.","start_word":7183,"end_word":7236,"sentiment":"positive","sentiment_score":0.5790083408355713},{"text":"in retirement by '67. And yeah. Look. Until then, mate, I'll speak to you in a couple of weeks. Oh, what I will also do is I need your superannuation statements and a picture of the front and the back of your driver's license. Am I able to send you an email? Can you send that through to me? Yep.","start_word":7237,"end_word":7296,"sentiment":"neutral","sentiment_score":0.07363761216402054},{"text":"I can do that to you. Beautiful. Yep.","start_word":7297,"end_word":7304,"sentiment":"positive","sentiment_score":0.4167313277721405},{"text":"I'll shoot you an email as soon as we finish this conversation, and, yeah, we'll go from there. Alright then.","start_word":7305,"end_word":7324,"sentiment":"neutral","sentiment_score":0.3100135326385498},{"text":"Thank you so much, Jenny. Yep.","start_word":7325,"end_word":7330,"sentiment":"positive","sentiment_score":0.6601980924606323},{"text":"No worries, mate. Speak to you soon. Bye.","start_word":7331,"end_word":7338,"sentiment":"neutral","sentiment_score":0.30483415722846985},{"text":"Thank you.","start_word":7339,"end_word":7340,"sentiment":"positive","sentiment_score":0.5538914203643799},{"text":"Bye bye. Yep. Bye.","start_word":7341,"end_word":7344,"sentiment":"neutral","sentiment_score":0.18851125240325928}],"average":{"sentiment":"neutral","sentiment_score":0.0784082540117243}}}}