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If if something goes wrong, do you wanna make sure that you're covered for the rest of your time? Like, there's insurances there. There's these weird things you pay all this money for and the best outcome is nothing happens. Right? Like, if if nothing happens yeah. So they they it's but if nothing happens and you pay for coverage your entire life, then you don't get a refund of the premiums you pay. Right? So it's it's the worst financial decision you can have. No return on in debt. But it's a necessary evil one. So therefore, with that said, you need it, especially if you take it on debt. So you need to make sure that that's covered. And but in saying that you wanna you need to make sure that's covered for enough. Right? You know, you wanna and we calculate that. We work out what your needs are based on future income needs and all that for debts and what to pay out. So, yeah, it's it's really important to assess that as well because if you're over if you're over insured, it's just as bad as being underinsured. And it's I mean, yeah, if you're over insured, you're paying too much money for premiums or cover you don't need. And if you're under insured, you're paying all these premiums that cover that doesn't suit your needs. So what's the point in paying for that at all? Alright. So yeah. So we can definitely calculate that, and I'll give a recommendation. Struct our infrastructure didn't find that super because we're looking at super anyway. So that works in the background. Obviously, your accounting taxation, just getting the accountant is probably the best best kind of area in that because especially with your kind of wage. Right? Now after that, what we do is I like to call these perfect foundations. You know, once you got the roots in place, you wanna get the trunk of the tree. And if this trunk is steady and strong, like, think about four pillars made out of bricks and mortar, if you would, They are essentially creating a relationship with your money, very very important, so cash flow and budgeting. Then getting some sort of non a nondeductible appreciating asset. Usually, first time's been a couple of first time final price for residents is a good one because there's no capital gains tax on it. That's that's what we're looking at. So you we're looking at kind of, like, the setting up at at the moment, setting up the roots in the trunk or the mono. Right? But so then you also want debt reduction in? You said bad debt, credit cards, personal loans, stuff that you can't deduct, car loans. We wanna try and get rid of it as soon as possible. And then that you know, what what happens to your state if something does go wrong and you get all this insurance one? What do we do? So the state plan has been one of those foundations as well. That's that's your will, power of attorney, stuff like that. Okay? So the one that's that's the boring part. That's the that's the starting stages that we wanna set up because the next one's the sexy part. Do you want? So that's that's yeah. That's the branching out space. So think about diversifying, getting different avenues of the the of appreciating assets that are not only appreciating in value, but they're also deductible. You can bring in yield, things like commercial factories, commercial properties, shared portfolios. The majority of that is essentially creating equity in your primary place residence so that you can leverage and buy more assets because you don't have to crystallize on it. Right? And this is where what I mean by, like, through remember when I said about LDR loans evaluation. It's really important. And we assess that risk along the way as well. So pretty long term, you and I are gonna be working together for a while and, you know, we're just I guess, we're just fortunate to kinda, you know, be seen with myself because I don't have that many clients anymore being in my position. But I like to get I like to get on on the blow sometimes and see if I still got it. You know? It's gonna be a long term relationship. So if you don't, if for some reason you don't like me or you don't think that's likely, you don't trust me or you don't can't work with me or whatever it might be, just be honest, be open about it because we can get somebody else deal with it or, you know, it's it's it's really important that you have a good relationship with your partner. Alright? Beautiful. So part of that branching out, Paige, is is looking at essentially OPM, other people's money. Okay? And this is like a good example of this is just, let's say, you got $10,000, numbers like this. Right? So $10,000, you put it in an investment, shares, property, whatever it is, that grows by 10% in a year. You made a thousand dollars in that year. Congratulations. Alright? But then you pay tax on it. However, if you take that this number's sake, but if you take that same $10,000 and you go to an institution like a bank or investment bank or whatever it might be, private equities, and you get $90,000. And they those two said, alright. I'll give you $90,000, but you owe me 5% interest rate every year. Right? Then you go, not a problem. That's $4,500 that you owe that person or the or the facility of having $90. Right? But now you got a 100 thousand dollars, 90,000 plus 10,000. So if you invest that 10 that a 100,000 now in the exact same investment that makes the exact same 10% in that exact same year, you've made 10,000. You owe the guy that gave you the facility 4,500 5% or $90. You pay in the 4,500. You're left with $5,500. Right? Just face value. So that means you just 55 time you're 55% 55 times your your return. Essentially, from a thousand to five times, so it's a 55% return on investment to your investment, 12 to 10. And that's theory. That's the leveraging. Yeah. There's risk involved. You got margin maintenance. You also got margin loans, things like that, margin calls. You know, when that happened, but you can a lot of people don't realize is that when a margin calls when a margin being called by a facility, you can top that margin up with the maintenance level. You can add towards it and then you can keep the investment if you believe it's gonna continue going up. So there's lots of positive, but that gives you a little bit of a reload on of what that is. And let's just say we do that usually about ten, fifteen years. You just diversify. You build up your overall asset portfolio, then you can retire. If you hang your boots up, you're 55 years old, let's say, and you're really comfortable. You say, look, I'm bad enough. That's that's I don't wanna work anymore. I've got nothing come coming from my investment. Just for $5,000 a week. Right? So let then you hang up your boots. So what happens then to be able to essentially retire is you you need to sell something and move stuff around and change ownership and the trust structure and things like that. What happens when that happens is you get a liability of capital gains tax. We don't like taxes like we said before. Because if you ask me, it sounds like you've taken all the risk on post tax dollars to be able to get yourself into that position in the first place. And now when Chris learns, you gotta pay more tax. That sounds a little sounds a little bit unfair to me. But that's why we need. So what we do is we we look at ways to mitigate that liability, which is TTR structures like transition to retirement strategies, the super. You can really stop the tax man between the ages 60 and 65. I like to call it the Goldilocks zone because you can just write everything off. But if it's before that, you can distribute proceeds by through trust structures, supplementary funds in it, with Social Security strategies a little bit down the track as well. So that is that that's more of the really kinda complex areas to try and mitigate liabilities in the most legal way possible. Obviously, everything that is legal. And then after you do that, you get to the seeding stage. So your children and then get into generational wealth can grow. And then the process starts again with them, hopefully with hope. And, yeah, the they started the seating level and, you know, essentially, once they start sprouting on the ground, they'll still have to throughout their life financial lives. They're gonna have to face the, you know, the storms, the hail, the shine, the winds, the rains, floods. But at least they got a really big canopy over hanging over them to to assist them and give them a better opportunity of growth. Right? So that's kind of a a few cycle, if you would. To give you an idea, so let's set up those roots in trunk and well, but firstly, the roots because it'll be cheaper for you from a fee perspective. And I'll walk you through that in a second. But the next couple pages just need our experienced team. Our story is a, you know, low down of why who we are, why we started, where we were. And that's myself, picture myself, my business partner. The next page is myself being a little blurred about how awesome I am. Feel free to read it in your own time. Yeah. And there's all the degrees and to see the the the my authorized representative number on the asset. I'll show you that in a little bit as well. But then there's a little load bubble that are kinda senior team of our in our firm, we've got a team of about 43 employees. So, you know, just to give you depth of company, you can call up. And if I'm not available in a meeting or away or something, there'll always be someone there to help you. Alright? Beautiful. Right at the bottom so yeah. Like I said, if you any of these documents, if you're struggling to sleep some night, then just have a flick through this so I'll knock you out pretty quick. But green green green OVA section down at the bottom is well, a little thing that Greg's called OPA Australia, and it's a product collaboration of expertise. So I'm not a mortgage broker. I'm not an accountant. I'm actually qualified to do everything accountant does, but I'm not registered under the tax practitioners board because I can't think of anything worse than doing tax returns and being in the accountants. So I was kinda like, you know, so then there's no left to be perfectly then. So for that reason, we I I've kind of teamed up with people, and I've been more individuals and firms that I've been working with forever. You use them personally. We don't get any referral fees between us. None of that nonsense. So I prefer somebody else over someone else because they give me a bigger fee. If these are just so QCA is our commercial accounts and they look after our other stuff. Yeah. Gold Coast Wealth and Books, the mortgage broker. We got Finance Industry Australia. They do commercial and and and and personal lending for, like, marginal and things like that. KJ and associate lawyers, and then some of the more accounts. And we also got CJN, which are another set of lawyers. So just so you're aware, if you need any other services across special scope, those are the guys we work with. Okay? Beautiful. Now going to the boring stuff for compliance, the next attachment in that email I sent you is the financial services guide for compliance purposes. I do need to go through these. So we'll go through step by step, one, two, and three. Hold on. I just lost my email. I'm gonna open up the same documents again. Go. Financial services guide. Okay. Okay. So on the front page, are you looking at that picture again, the gold ghost? Okay. So this is the financial services guide. Financial services guide is a legal document that essentially outlines all all of our services, what we're licensed to give advice in, who we authorize under, and it's got all of our license numbers and everything else along our entire scope. Alright? So we as a of the financial we we are one of the few boutique firms that actually have been awarded their own Australian financial services license. Do you know what that means? Okay. So most boutique financial planning firms, they work with as what's called a corporate authorized representative of somebody else that's on there itself. So most of those people are like the big banks. But, again, going back onto our everything we do is based on that vision of being the most trusted financial planning firm in Australia. If I was licensed under a Commonwealth Bank and you were looking at superannuation, I don't think Commonwealth Bank is my principal, my licensee, would like it very much if I thought that I would recommend BTG products, which are Westpac. Right? Correct. So that means that I'm limited to the scope of pretty much only what's on the APL or a call approved product list is limited to whatever products they they created. Right? Because it means more money for them. But that's not looking after your best interest as a client. Looking after my principal's best interest as a for sale. Right? So that so that's a big conflict for me. I don't I don't believe that product makers should be able to be product providers and advise them what products to buy. Think there's too much of a bias in conflict of interest there. So for that reason, and we we applied for our own AFSO. And ASIC declined us because we're waiting. I usually get an AFSO up for, like, ten, twenty years of being in solid business. Right? They and I think by now, like, the second youngest firm to have a good one, something like that. But, yeah, we we essentially got our own API as well, and that's 513068. What that means is there's no one above us telling us what to do other than us. Right? Which is it. So any advice I can give that just means that I can give any advice on any product around the world. It doesn't bother me. I can just add it. Like, it doesn't whatever is in your best interest, essentially. So that goes on this a little bit more about the purpose of this financial services guide. I'm going to number two, who we are. Again, that's what I just explained. HP Financial, we run our own rate for self. We gotta put this in in a box as well under the corpse act, corporations act, a lack of independence. We aren't really allowed to say that we are independent, unbiased, or impartial because we have assets above us, and we also receive commissions from insurance providers. Okay? Now number four, going down services we provide, I I can give you advice on pretty much anything. I can tell you about shares in Lithuania that invest in Apple companies if you want. So I don't really care. I'll probably highly recommend against it. But, you know, I don't think Apple should grow that well or Lemons would grow that well in Lithuania. Thanks for the hardiness. But, you know, Well, maybe well, it's just as we have the flow of life turns our way. Right? Like when you law of attraction, maybe we're meant to talk. But maybe we'll we'll say that in another, say, twelve months when you put boys growing. Yeah. Yeah. Yeah. Because if the market's full, then you wouldn't be happy. Right? So just to give you a breakdown of, you know, what advice you can give advice on, any government adventures, prepost, any stocks or bonds, life insurance, and life investments insurance, any basic or, you know, complex payments and deposit taking products, IDAs. We can do any sort of retirement savings, any managed investment fees private and public, if not a few of them, Like, property trusts and non listed property trusts, private stuff like that. IDPS is signed to investor director portfolio services. So that's pretty much what I'm gonna be recommending for your 25 grands if you wanted me to. That's all I have, you know, rate and investment products, not anything under rated or unclassified. Any and all securities including foreign exchange, any and all retirement savings account products or account based pension, you know, endowment policies, things like that. Just renovation, which is including inclusive of self managed super funds, both partners and the specialist. What is hidden is, like, a hidden menu because you're my client, you'll have access to it, I guess, which is margin lending, which is, you know, it's not every adviser. If you have to be giving advice for a certain amount of time to be able to do that, I have been so, yeah, if you wanna do margin lending, so borrowing against the property to invest in shares, we can assist you with settlements. We can ask you around that as well. Okay? So pretty much anything we've got now, and I hope you have. So next question, Jim, questions about that? Or now on number five, this is just how we do an advice. So this confidential consultation is understanding what you're looking for. That's the initial client contact. We identify goals in which we have, and they'll do risk for a lot. From there, we got client advice presentations. So in another two weeks or so, we'll catch up again. I will walk you through a probably over Zoom or something for the base of the name. I walk you through what's called a statement of advice, which is legally binding document. And everything that we do to get financial advice, we have to do by way of statement of advice if it's personal. It just means there's all just down in the corporation's and all the rest of it, it just it just outlines everything in writing exactly what we're recommending for you and why. You've got advantages, disadvantages of each strategy risks involved as well as as well as any alternatives we consider. And we'll show you all the numbers in that so that it protects you and protects us as well in case you say, well, you didn't say that. You know what I mean then. Or you say to Hassick because you got a complaint or something that you you say, I can say I didn't say that, but you say, well, you did because it was written right here. Right? And then I'll so I'll represent that, and you can see the benefits of our service so we can get you in a better position looking for your goals and objectives. From there, you'll essentially give us what's called an ATP. So an authority to proceed, which is that client consent to proceed. From there, we start implementing advice and then we are not a setting for that kind of place. We have been doing this for almost a decade now, so we'd hope not. And so we keep you on track. So part of the long run service fee, which is a percentage I'll walk you through in a second, is is we we catch up and we give you a call or we give you an update every quarter. And every twelve months, we need to re re reassess your entire situation because, you know, if you buy a property and you've got us, like you said, maybe $700,000, $600,000 loan, your property, let's say, in a year's time, you're gonna go $550,000 worth of debt worth of debt, and your property is growing by a $100. That means you've opened up capacity or LDR of of about thirty nine months at a $150,000. So then we'll have to reassess your insurances. And every year that you get older, the more expensive insurance becomes because you get more risky to insurance company. So the way we counteract that expense is we reduce the amount of the sum insured. But we need to again, we need to make sure that if we're looking at insurances, we need to make sure that it's enough. So we and then eventually, you'll just have no debts and you'll be self insured because you can facilitate your own needs at the outcome. That's a nice outcome. Right? So that and we adjust portfolios if need to. We do everything. That's part. We do the process again. Essentially, that's what your ongoing services. Now onto the fees and the charges. So we are professional service. We do charge a professional service fee. And it depends on what you want to start working. So each stage has a different fee structure along with that process. Right? So at the moment, we've understood that you are looking up or looking at superannuation insurances. So that's the roots. We will do you we will give you a complimentary statement of advice for that because it's a very big document just like a carpenter or, you know, a a a a a carpenter will build a desk. We build a statement of advice, same kind of thing, except it's just, you know, intellectual property instead of actual property. So for something like superannuation insurance recommendations to bring you on board as a client, that's that's complimentary until you, one, should proceed. At any stage, when you proceed and you give us that authority to proceed because you can see the benefit in it, we will charge out of say, if it's super, we'll charge out the assets under management. We'll charge $13,950. So that's that's on service fee, and we can charge that out of stupid. So it doesn't cost you anything out of your back pocket. It's also tax effective. K? So now out of pocket cost for the root stage. And then, you know, at there's a bit so moving forward, say you wanna do a debt reduction strategy or cash on budgeting strategy. We're so we need you to we'll send you out a letter of engagement and I will charge you $1,650, inclusive GST, to get that plan started, which is also the roots and then branching out. If you wanna do something more complex because you've got all that sorted out, it's a $22,200 letter of engagement to get that plan started and same as for the retirement basis. Right? So calling it again, hanging up your boots. So I'm assuming you probably wanna go ahead with the root stage. Just get this get a get a recommendation on the super insurance, charge everything out super, see how we go, and then we'll start moving on to, like, the shared portfolios and things like that. Yeah. Yeah. I don't think just by looking at your situation, breaking that initial kind of cash flow down, I don't think it's worth paying, you know, the $2,200 fee out of your back pocket to get to just get an extra portfolio recommendation on $25. Right? I don't see the value I don't see the value in that for you. So if you're happy with that if you're happy with that, we can beautiful. Alright. So that's it. Now we do charge a ongoing service fee. If you go on to the next page, for an individual client like yourself, we charge a management fee by percentage. There's two ways you can charge us every year. One is what I call the loyal way, which is the way we don't charge because I don't know if you ever dealt with lawyers, but I do all the time for compliance purposes to make sure that we run compliantly. And every I've got people service. So every time that I send an email to you or every time you didn't wanna get in touch with me, you I will send you a big juicy invoice of my hourly rate even if it was five minutes of your time of my time. You know, I'll send you whatever you expect, every state, all the lights, bills, everything. So all that that and that that way of charging for us, it just goes directly against our vision of being trusted. Because in order to build trust and rapport with the client, we need to talk to each other. But if you know you're gonna get a big juicy invoice every time you reach out and talk to me, you're not gonna wanna talk to me. So so for that for for that reason to be able to uphold that version of what we wanna achieve and reflect within the fees, we charge a percentage based out of the management of the assets we manage. So if it's just superannuation, we will charge a percentage based of that. One, it's tax effective again. Two, it doesn't come out of your back pocket. It's great. And three, it means that we have to make money for us to make money. And if you're gonna if you get the market goes down, we will we will make less money as well as by you losing money. Right? So it's kind of like integrated in our relationship. Does that make sense? Yeah. That's right. Yeah. I know. So that. Yep. Correct. Correct. So if you're looking at the annual fee, the percentage base is $0. 200,000 is 1.65% increase in GST. When you get over to when we make over $200,000 to 500,000, we try we drop the percentage base fee down to 1.375%, inclusive g all of this is inclusive of GST. But once we get you to 500,000 to a million, it goes to 1.1%. And 1,000,000 to $2,000,000, it goes to 0.825%. So it's it's it's incentivizes you to, one, bring on your partner, two, us to make more money, and three, you to make more money as well, most importantly, because you know that you get lower fee. It's a tiered structure. So, like, once you get to that, you know, 1.65%, capped at 200,000 for 200,000, 500.015 at $3,300. So it will cap at $3,300, and then every dollar above that, you'll only be charged at 1.375¢. Does that make sense? Perfect. If your partner comes on board, then we reduce the 200 to 500,000 thousand the next step. We need one step away. So that both of you combined will be charged if you're not over a million, you'll be charged to $0.01 $5.05 and $7.0.825. Do you have any questions about the fees? No. That's okay. Well, either way, it's yeah. I mean, either way, it's gonna be yeah. If we if we look after your stuff, you see you see the benefit of the twelve months. It'll be a lot easier with numbers too and proof to be able to convince that. Right? And that's why we do that's why we do it this way because we're pretty confident in our services. We we like to believe we're pretty good at what we do. Right? Privacy and record keeping, we have to abide by all the law. Any sort of relationship or associations we have we don't take any referral fees from anybody. Too much that I this is too much of conflict of interest. It's like, we're here. It also feels like I'm soliciting my clients in a way. It's just I don't like it. We've got all insurances you could ever imagine. We because we're very large, we manage hundreds of millions of other people's money. We have to actually go and get the insurance, Lloyds Bank, London. I received so we got all of that. We got cybersecurity. We got everything. Last point that I wanna touch on is the complaint. So what happens if you give me your money and I I'm gonna run run away to The Bahamas and I'm drinking peanut coladas with your money? What do you do? Alright. Correct. Okay. So there there's two ways to go about this. The first way please do this first because we're pretty recently people. We've only ever had three formal complaints with Apple. But the second in a decade was pretty good. So so the first step is what we call an IDR, the internal dispute resolution. And that means you get in touch with the compliance manager or responsible manager of the ASL itself and speak to them about it. The responsible manager or RM of Oaktree Financial is me. But you're gonna be but you're gonna be pretty pissed at me, and I wouldn't probably wanna speak to you because I'm overseas in The Bahamas during the bidding collapse of your money. Right? So so for that reason, we've got two RNs of licensed individuals, which usually they're accompanied for protection, but I like to take I like to take responsibility for my actions upon their stuff. So so that's my business part and part. And that's why he is a he is a secondary RM on the license. So he would probably just speak to him. I said, hey. He said he's wrong way. My money ends. Like I said, it won't happen, but he will work with you to work it up. If, for some reason, he tells you to get stopped because you can join me or whatever the reason, then you can always go to Secondly and second definitely, you remember Secondly because we paid for those complaints, which is annoying. But you go to ATCO, which is next EDR, next external dispute resolution, which is the Australian Financial Complaints Authority. Their phone number and website's there, and you'll be there. They'll come they're amazing. They come down with their lawyers that didn't make it in the real world, so they gotta work back up. And they've gotta be in their buttock because they didn't make it in the real world, and they just wanna prove themselves to the government or whatever they're working for. Right? So they come down off like a ton of bricks. So you got protection there as well. Do you have any questions about that services, these compliance, anything? Beautiful. Last thing I'm gonna do is I'm gonna run you through a well, I've already got most of your fact find. I'll confirm those details. But then the last thing I wanna do is essentially go through a risk profile questionnaire. Now I had to make these questions up, asking in the federal government too. So some of them are pretty pretty dumb. I'll let you know. You'll you'll you'll work out which ones are the best. But that's fine. But I do have to ask them. K? So it's about 30 questions, and then I'll book in another time in a couple weeks, and then we're done. Yep. Yeah. So how would you rate your willingness to take financial risk? Would you say that you're a very high risk taker, high risk taker, average risk taker, or low risk taker? Beautiful. Alright. And how familiar are you with investment markets? Would you say that you're comfortable with all investment markets and you know everything about them? Would you say that you are aware that investments fluctuate? Would you say that you got a fairly good market grasp, but you're still learning? Based on yeah. Yeah. Yeah. Just from what we what you just we discussed before, I'll send that to you as well. So how would you describe your experiences with the investment market? So did you say that you've had a positive with investment experience from the same markets and understand that they fluctuate? Would you say that you've learned to risk and reward balance from a negative experience? Would you say that you have you have you'd say you're an investment lover. She's never really done it, but she's naturally cautious. Or would you say that you've lost too much money in the past and never wanna do it again? Good. How how how that Huddl go? Good. Alright. Have you ever the next question is what's the investment you've ever purchased? Have you ever purchased some direct shares? Alright. Well, then we put down managed funds because your superannuation currently held in managed funds. K? Alright. Investment time frame. Because we're dealing with super, I would say that's longer than ten years. Timeline horizon. Yep. Alright. So volatility is on board. Volatility investments go up and down, and value is called volatility as an HR based. How much could your investments value drop over the next twelve months for your super you invest with the super with us? And in twelve months, how much could it drop by before you start feeling concerned and anxious? Would you say more than 50%, up to 50%, up to 25%, up to 10%? 25%. Beautiful. And what happens if you invest your suit with us and then six months in line with general trends in the financial markets, we find out that your portfolio has decreased by 20%. Would you, one, invest heavily expecting future growth? Would you, two, invest modestly expecting future growth? Would you hold and wait improvement after speaking to your financial professional? Or would you tell me to get stuff and sell everything to cash? Huddle. Huddle. Yep. Gotcha. And what kind of this is one of those super questions. What kind of return do you expect to achieve on your investments and superannuation over the longer term? More one, more than 8%? Two, sixty eight percent? Three, sixty four? Four to 6%? Or four two to 4%? I'm assuming the most. Right? Yep. Perfect. And so last couple of questions. Have you ever thought about taking out a loan to invest? One, you have borrowed or open to borrowing for stocks and funds, if it's appropriate. Two, you have borrowed or open to borrowing for investment properties. Or three, you would only bought borrow for investment property. Or four, you're never gonna borrow. But not shares, like a margin loan? Or Beautiful. Okay. And based on the way that you just answered that previous question, how would you how would taking on lunch investment shares may keep in? Would you say that you're comfortable borrowing from investments, aware of the risks? Would you say that you're you're somewhat comfortable but you're cautious? Would you say that you're careful with borrowing and understand this the risk involved? Would you say that you're hesitant to borrow weary of the high risks involved, or would you say you'll never borrow? Gotcha. Alright. So you are a you're essentially drum roll, please. I'm just adding it all up. And that's the best investment capacity moving up or down one investment. Risk profile, we call it. Because when it comes to risk, there's there's four ingredients. You know, Macbeth's, like, the the three riches in the melt melting pot. So the the, you know, bubble bubble gargle and trouble. I have mutual last stuff. I don't know how, not my reference system I had just been, but this works. So there's four ingredients in the pot, which is your time horizon, your risk profile, which is what works now now, your risk capacity, and your risk tolerance. And all four of them kinda work together. So the way that I've just you've just asked those questions and just been speaking to you recently, You your natural courses comes in there, sir. I wouldn't say you're kind of pedals to the middle for a fee for a long time guy. Right? Perfect. So you have come out as a a 35. And what that makes you is towards the more defensive end of a growth investor. So a growth investor is usually a time horizon of about six to eight years because that means the asset allocation of the of the percentage differences between growth and the sort of assets, which are international and domestic shares and things like infrastructure, gold, commodities, stuff like that. But then you've got the rest the other portion of percentage of your portfolio and defense, like fixed interest, cash, some of the other commodities, those kind of things like bonds, bills, that stuff, Fed reserve and just cash. So looking at the way you answer those questions, I think a growth is actually appropriate for you because it accommodates for about what that means is about 70 to 80% invested into shares. To give you an idea, defensive portfolio is, like, 55, 45. So 55% invested into the market and 45% invested into defensive assets. That's about, like, that's that's a defensive balanced portfolio. Because when you see the balance, you know, if you're looking at your superannuation, it says my super balance for something, that's a growth portfolio. It's invested 75% to the market. So I don't wanna change you too much from what you're really doing. And the sole reason if if we if we did weren't talking if we weren't including time horizon, I'd be looking at something like a balance growth portfolio. So one risk profile lower. But because you're looking at only some investment superannuation with the time horizon of, you know, twenty, twenty three years, I'll be comfortable leaving you at the growth environment. So you're gonna look at something about 80% investment in the market, 20% effective assets. Would you does that make sense? Would you be comfortable with that all? Okay. Have you have you ever are you in front of a computer right now? You are. Yep. Go give me a favor and I'll explain this to you because I really wanna make sure that we get this right. Because more often than not, you know, when clients come to me and they say, you know, I lost all this money during this this downturn. Now what I had a $100. Now I've been getting $8. How do I make my $20,000 back as soon as possible? My answer is not always the answer they wanna hear. Because when I give them the solution, I give them another question. And the question is, well, why were you taking that much risk in the first place? You obviously won't invest. Right? So so go to a new Google page and just type in the the actual search on that Google search, like the actual ad, like, website area. Type in andex, so andex,.com.au. You'll see a big chart. Click on that chart. Yeah. I make sure I press that. And then click on that when you click on the chart, then you add them to goes on to the next page to purchase it. Just go into the magnifying glass on the actual chart on the left hand side. So okay. So you're looking at the big colorful, very comprehensive chart. Right? So on the far left hand side is $19.50. Far right hand side is 2025 end of twenty twenty five. Right? So this is the growth of a 100 with no acquisition cost, no taxes, and all income or dividends reinvested back into that asset. Right? That blue line, remember $100. The dark blue line is essentially all Australian shares. That's the Australian all of those index. And it's been a bumpy ride you know, that the first major drop was industrial kind of drop, which was mid seventies. Then the next very sharp drop was Wolf of Wall Street, Jordan Belfort's first day of trading. It's when no. They call it Black Black Friday. The next one a little bit closer to home is twenty two thousand seven to February. So you see that drop up? That drop from top to bottom was 61 63%. So that year and a half is 63%. I'm gonna go back to that as an example. So if you've if you had a $100, you invested a $100 into a 100% Australian index fund, you in a year and a half, if you do so, would essentially be left with even with reinvesting as it falls, I was talking to you, you would be left with essentially $37,000. But if you kept your pool, right, and you just left it in there, currently investing, it would have taken approximately almost six years. So one, two, let me see if I remember this right. One, two, three, four, five. Yeah. Not five, five and a half, six years. I believe it was 05/2004. Just for memory. Yeah. 05/2004, not five years or four months, but five point four years, it would have taken after the top of the market down through GFC and all the way to top again. If you just held huddled, then you wouldn't have a $100,000 back. So that that's five that's the most aggressive asset outside view of equity you can invest in. Right? So when we talk about time horizon, that after the largest financial collapse in recent time, in the most aggressive assets, it wouldn't even take six years for you to make your money back. It was really bad for me. So that gives you an idea. Yeah. Correct. But essentially, a $100 over seventy five years would have a you'll end up with $362,654. That's CPI 2.5% as well. So if you go to the light blue line, less volatility because you're taking 30% of entered assets, that's a balance for 40 m c. 70 30 split. We want you to take a little bit more than that. I'm gonna I'm I'm just by you saying taking more risk, maybe even $85.15. And then just yeah. Take a long period. So I wanna get you somewhere in between that top, the light, blue one. But then, obviously, as you get close to retirement, '54, '55, we start really raining back the risk every year. So that's kind of so that you can be somewhere close to the green green line. Obviously, not as far as they've been the last couple years because bonds have been terrible. They have a a bearable bond bearable bonds. But, yeah, the green line's bonds. And then you got cash. It just shows you the growth factor. But that gives you an idea of time versus risk because since you have to if you wanna calculate it on a on a variation, a covariance matrix, like a standard deviation perspective, mathematical stuff, you can literally work out that time. It's literally equal to a ratio of 1.01 to rest after eleven point eight years. So it's one to one. You won't lose. Are you you got a zero you got a 0.0001 then chance of losing in any financial market up here for almost twelve years. As an index. Correct. But we so that gives you an idea. And, I mean, you can look at any point in time. You show me anytime on ten years that most aggressive assets have gone down, then it hasn't seem to be good. Alright. So that gives you an idea. Anyway, I would I'm gonna I'm gonna bump you up a bit. I'm gonna say the same growth environment, but not $80.20. I'm gonna go $85.15 if you're comfortable with that. So in between that flight room, drive through a line. With the input that we wanna try and get about, you know, 10 and a half, 11% every year, what it is. Beautiful. So I'm in that that in growth. Alright. Well, look, that's pretty much everything I wanted to go through with you in this call. So thank you so much for your time, mate. Thanks for reaching out. It's always a pleasure to speak to your clients. Beautiful. Well, no. Thank you just yet. So we'll see if we can get you in a better position first. I'm I'm gonna send I'm gonna send you out an email. Probably, I've got another appointment. So either by the end of business today or or Monday never sleeps. So probably knowing me, it'll be 11:00 at night. I'll send you an email. I was just asking for a few bits and pieces. And look outside of that. When's the best time for me to give you a callback? I'm looking at two weeks booked up. Maybe Wednesday the second, Or would you say Monday the thirty first? Yep. I've got a space at 2PM and another time at midday. Which is you guys? Midday. Beautiful. New and New South Wales. There there won't be, like, time saving gaps in between now and then. Right? I get that because I'm horrible at that time they think of. So alright. Well, if I don't call you, I'm pretty diligent. I'm pretty punctual. So if I don't call you at that time, it's probably because it has time has changed. But I'll call you an hour later. Alright? Beautiful. I'll send you a Calvary invite as well, but if you need anything in which one is just give me a call and I'll do the same. Alright? Okay, Simon. See you. 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Yeah. They they went silent and they went they hung up on me. I'm not boring you already. Yeah.\n\nHey, Roger. So yeah. So we we it's those insurances. If if something goes wrong, do you wanna make sure that you're covered for the rest of your time? Like, there's insurances there.\n\nThere's these weird things you pay all this money for and the best outcome is nothing happens. Right? Like, if if nothing happens yeah. So they they it's but if nothing happens and you pay for coverage your entire life, then you don't get a refund of the premiums you pay. Right?\n\nSo it's it's the worst financial decision you can have. No return on in debt. But it's a necessary evil one. So therefore, with that said, you need it, especially if you take it on debt. So you need to make sure that that's covered.\n\nAnd but in saying that you wanna you need to make sure that's covered for enough. Right? You know, you wanna and we calculate that. We work out what your needs are based on future income needs and all that for debts and what to pay out. So, yeah, it's it's really important to assess that as well because if you're over if you're over insured, it's just as bad as being underinsured.\n\nAnd it's I mean, yeah, if you're over insured, you're paying too much money for premiums or cover you don't need. And if you're under insured, you're paying all these premiums that cover that doesn't suit your needs. So what's the point in paying for that at all? Alright. So yeah.\n\nSo we can definitely calculate that, and I'll give a recommendation. Struct our infrastructure didn't find that super because we're looking at super anyway. So that works in the background. Obviously, your accounting taxation, just getting the accountant is probably the best best kind of area in that because especially with your kind of wage. Right?\n\nNow after that, what we do is I like to call these perfect foundations. You know, once you got the roots in place, you wanna get the trunk of the tree. And if this trunk is steady and strong, like, think about four pillars made out of bricks and mortar, if you would, They are essentially creating a relationship with your money, very very important, so cash flow and budgeting. Then getting some sort of non a nondeductible appreciating asset. Usually, first time's been a couple of first time final price for residents is a good one because there's no capital gains tax on it.\n\nThat's that's what we're looking at. So you we're looking at kind of, like, the setting up at at the moment, setting up the roots in the trunk or the mono. Right? But so then you also want debt reduction in? You said bad debt, credit cards, personal loans, stuff that you can't deduct, car loans.\n\nWe wanna try and get rid of it as soon as possible. And then that you know, what what happens to your state if something does go wrong and you get all this insurance one? What do we do? So the state plan has been one of those foundations as well. That's that's your will, power of attorney, stuff like that.\n\nOkay? So the one that's that's the boring part. That's the that's the starting stages that we wanna set up because the next one's the sexy part. Do you want? So that's that's yeah.\n\nThat's the branching out space. So think about diversifying, getting different avenues of the the of appreciating assets that are not only appreciating in value, but they're also deductible. You can bring in yield, things like commercial factories, commercial properties, shared portfolios. The majority of that is essentially creating equity in your primary place residence so that you can leverage and buy more assets because you don't have to crystallize on it. Right?\n\nAnd this is where what I mean by, like, through remember when I said about LDR loans evaluation. It's really important. And we assess that risk along the way as well. So pretty long term, you and I are gonna be working together for a while and, you know, we're just I guess, we're just fortunate to kinda, you know, be seen with myself because I don't have that many clients anymore being in my position. But I like to get I like to get on on the blow sometimes and see if I still got it.\n\nYou know? It's gonna be a long term relationship. So if you don't, if for some reason you don't like me or you don't think that's likely, you don't trust me or you don't can't work with me or whatever it might be, just be honest, be open about it because we can get somebody else deal with it or, you know, it's it's it's really important that you have a good relationship with your partner. Alright? Beautiful.\n\nSo part of that branching out, Paige, is is looking at essentially OPM, other people's money. Okay? And this is like a good example of this is just, let's say, you got $10,000, numbers like this. Right? So $10,000, you put it in an investment, shares, property, whatever it is, that grows by 10% in a year.\n\nYou made a thousand dollars in that year. Congratulations. Alright? But then you pay tax on it. However, if you take that this number's sake, but if you take that same $10,000 and you go to an institution like a bank or investment bank or whatever it might be, private equities, and you get $90,000.\n\nAnd they those two said, alright. I'll give you $90,000, but you owe me 5% interest rate every year. Right? Then you go, not a problem. That's $4,500 that you owe that person or the or the facility of having $90.\n\nRight? But now you got a 100 thousand dollars, 90,000 plus 10,000. So if you invest that 10 that a 100,000 now in the exact same investment that makes the exact same 10% in that exact same year, you've made 10,000. You owe the guy that gave you the facility 4,500 5% or $90. You pay in the 4,500.\n\nYou're left with $5,500. Right? Just face value. So that means you just 55 time you're 55% 55 times your your return. Essentially, from a thousand to five times, so it's a 55% return on investment to your investment, 12 to 10.\n\nAnd that's theory. That's the leveraging. Yeah. There's risk involved. You got margin maintenance.\n\nYou also got margin loans, things like that, margin calls. You know, when that happened, but you can a lot of people don't realize is that when a margin calls when a margin being called by a facility, you can top that margin up with the maintenance level. You can add towards it and then you can keep the investment if you believe it's gonna continue going up. So there's lots of positive, but that gives you a little bit of a reload on of what that is. And let's just say we do that usually about ten, fifteen years.\n\nYou just diversify. You build up your overall asset portfolio, then you can retire. If you hang your boots up, you're 55 years old, let's say, and you're really comfortable. You say, look, I'm bad enough. That's that's I don't wanna work anymore.\n\nI've got nothing come coming from my investment. Just for $5,000 a week. Right? So let then you hang up your boots. So what happens then to be able to essentially retire is you you need to sell something and move stuff around and change ownership and the trust structure and things like that.\n\nWhat happens when that happens is you get a liability of capital gains tax. We don't like taxes like we said before. Because if you ask me, it sounds like you've taken all the risk on post tax dollars to be able to get yourself into that position in the first place. And now when Chris learns, you gotta pay more tax. That sounds a little sounds a little bit unfair to me.\n\nBut that's why we need. So what we do is we we look at ways to mitigate that liability, which is TTR structures like transition to retirement strategies, the super. You can really stop the tax man between the ages 60 and 65. I like to call it the Goldilocks zone because you can just write everything off. But if it's before that, you can distribute proceeds by through trust structures, supplementary funds in it, with Social Security strategies a little bit down the track as well.\n\nSo that is that that's more of the really kinda complex areas to try and mitigate liabilities in the most legal way possible. Obviously, everything that is legal. And then after you do that, you get to the seeding stage. So your children and then get into generational wealth can grow. And then the process starts again with them, hopefully with hope.\n\nAnd, yeah, the they started the seating level and, you know, essentially, once they start sprouting on the ground, they'll still have to throughout their life financial lives. They're gonna have to face the, you know, the storms, the hail, the shine, the winds, the rains, floods. But at least they got a really big canopy over hanging over them to to assist them and give them a better opportunity of growth. Right? So that's kind of a a few cycle, if you would.\n\nTo give you an idea, so let's set up those roots in trunk and well, but firstly, the roots because it'll be cheaper for you from a fee perspective. And I'll walk you through that in a second. But the next couple pages just need our experienced team. Our story is a, you know, low down of why who we are, why we started, where we were. And that's myself, picture myself, my business partner.\n\nThe next page is myself being a little blurred about how awesome I am. Feel free to read it in your own time. Yeah. And there's all the degrees and to see the the the my authorized representative number on the asset. I'll show you that in a little bit as well.\n\nBut then there's a little load bubble that are kinda senior team of our in our firm, we've got a team of about 43 employees. So, you know, just to give you depth of company, you can call up. And if I'm not available in a meeting or away or something, there'll always be someone there to help you. Alright? Beautiful.\n\nRight at the bottom so yeah. Like I said, if you any of these documents, if you're struggling to sleep some night, then just have a flick through this so I'll knock you out pretty quick. But green green green OVA section down at the bottom is well, a little thing that Greg's called OPA Australia, and it's a product collaboration of expertise. So I'm not a mortgage broker. I'm not an accountant.\n\nI'm actually qualified to do everything accountant does, but I'm not registered under the tax practitioners board because I can't think of anything worse than doing tax returns and being in the accountants. So I was kinda like, you know, so then there's no left to be perfectly then. So for that reason, we I I've kind of teamed up with people, and I've been more individuals and firms that I've been working with forever. You use them personally. We don't get any referral fees between us.\n\nNone of that nonsense. So I prefer somebody else over someone else because they give me a bigger fee. If these are just so QCA is our commercial accounts and they look after our other stuff. Yeah. Gold Coast Wealth and Books, the mortgage broker.\n\nWe got Finance Industry Australia. They do commercial and and and and personal lending for, like, marginal and things like that. KJ and associate lawyers, and then some of the more accounts. And we also got CJN, which are another set of lawyers. So just so you're aware, if you need any other services across special scope, those are the guys we work with.\n\nOkay? Beautiful. Now going to the boring stuff for compliance, the next attachment in that email I sent you is the financial services guide for compliance purposes. I do need to go through these. So we'll go through step by step, one, two, and three.\n\nHold on. I just lost my email. I'm gonna open up the same documents again. Go. Financial services guide.\n\nOkay. Okay. So on the front page, are you looking at that picture again, the gold ghost? Okay. So this is the financial services guide.\n\nFinancial services guide is a legal document that essentially outlines all all of our services, what we're licensed to give advice in, who we authorize under, and it's got all of our license numbers and everything else along our entire scope. Alright? So we as a of the financial we we are one of the few boutique firms that actually have been awarded their own Australian financial services license. Do you know what that means? Okay.\n\nSo most boutique financial planning firms, they work with as what's called a corporate authorized representative of somebody else that's on there itself. So most of those people are like the big banks. But, again, going back onto our everything we do is based on that vision of being the most trusted financial planning firm in Australia. If I was licensed under a Commonwealth Bank and you were looking at superannuation, I don't think Commonwealth Bank is my principal, my licensee, would like it very much if I thought that I would recommend BTG products, which are Westpac. Right?\n\nCorrect. So that means that I'm limited to the scope of pretty much only what's on the APL or a call approved product list is limited to whatever products they they created. Right? Because it means more money for them. But that's not looking after your best interest as a client.\n\nLooking after my principal's best interest as a for sale. Right? So that so that's a big conflict for me. I don't I don't believe that product makers should be able to be product providers and advise them what products to buy. Think there's too much of a bias in conflict of interest there.\n\nSo for that reason, and we we applied for our own AFSO. And ASIC declined us because we're waiting. I usually get an AFSO up for, like, ten, twenty years of being in solid business. Right? They and I think by now, like, the second youngest firm to have a good one, something like that.\n\nBut, yeah, we we essentially got our own API as well, and that's 513068. What that means is there's no one above us telling us what to do other than us. Right? Which is it. So any advice I can give that just means that I can give any advice on any product around the world.\n\nIt doesn't bother me. I can just add it. Like, it doesn't whatever is in your best interest, essentially. So that goes on this a little bit more about the purpose of this financial services guide. I'm going to number two, who we are.\n\nAgain, that's what I just explained. HP Financial, we run our own rate for self. We gotta put this in in a box as well under the corpse act, corporations act, a lack of independence. We aren't really allowed to say that we are independent, unbiased, or impartial because we have assets above us, and we also receive commissions from insurance providers. Okay?\n\nNow number four, going down services we provide, I I can give you advice on pretty much anything. I can tell you about shares in Lithuania that invest in Apple companies if you want. So I don't really care. I'll probably highly recommend against it. But, you know, I don't think Apple should grow that well or Lemons would grow that well in Lithuania.\n\nThanks for the hardiness. But, you know, Well, maybe well, it's just as we have the flow of life turns our way. Right? Like when you law of attraction, maybe we're meant to talk. But maybe we'll we'll say that in another, say, twelve months when you put boys growing.\n\nYeah. Yeah. Yeah. Because if the market's full, then you wouldn't be happy. Right?\n\nSo just to give you a breakdown of, you know, what advice you can give advice on, any government adventures, prepost, any stocks or bonds, life insurance, and life investments insurance, any basic or, you know, complex payments and deposit taking products, IDAs. We can do any sort of retirement savings, any managed investment fees private and public, if not a few of them, Like, property trusts and non listed property trusts, private stuff like that. IDPS is signed to investor director portfolio services. So that's pretty much what I'm gonna be recommending for your 25 grands if you wanted me to. That's all I have, you know, rate and investment products, not anything under rated or unclassified.\n\nAny and all securities including foreign exchange, any and all retirement savings account products or account based pension, you know, endowment policies, things like that. Just renovation, which is including inclusive of self managed super funds, both partners and the specialist. What is hidden is, like, a hidden menu because you're my client, you'll have access to it, I guess, which is margin lending, which is, you know, it's not every adviser. If you have to be giving advice for a certain amount of time to be able to do that, I have been so, yeah, if you wanna do margin lending, so borrowing against the property to invest in shares, we can assist you with settlements. We can ask you around that as well.\n\nOkay? So pretty much anything we've got now, and I hope you have. So next question, Jim, questions about that? Or now on number five, this is just how we do an advice. So this confidential consultation is understanding what you're looking for.\n\nThat's the initial client contact. We identify goals in which we have, and they'll do risk for a lot. From there, we got client advice presentations. So in another two weeks or so, we'll catch up again. I will walk you through a probably over Zoom or something for the base of the name.\n\nI walk you through what's called a statement of advice, which is legally binding document. And everything that we do to get financial advice, we have to do by way of statement of advice if it's personal. It just means there's all just down in the corporation's and all the rest of it, it just it just outlines everything in writing exactly what we're recommending for you and why. You've got advantages, disadvantages of each strategy risks involved as well as as well as any alternatives we consider. And we'll show you all the numbers in that so that it protects you and protects us as well in case you say, well, you didn't say that.\n\nYou know what I mean then. Or you say to Hassick because you got a complaint or something that you you say, I can say I didn't say that, but you say, well, you did because it was written right here. Right? And then I'll so I'll represent that, and you can see the benefits of our service so we can get you in a better position looking for your goals and objectives. From there, you'll essentially give us what's called an ATP.\n\nSo an authority to proceed, which is that client consent to proceed. From there, we start implementing advice and then we are not a setting for that kind of place. We have been doing this for almost a decade now, so we'd hope not. And so we keep you on track. So part of the long run service fee, which is a percentage I'll walk you through in a second, is is we we catch up and we give you a call or we give you an update every quarter.\n\nAnd every twelve months, we need to re re reassess your entire situation because, you know, if you buy a property and you've got us, like you said, maybe $700,000, $600,000 loan, your property, let's say, in a year's time, you're gonna go $550,000 worth of debt worth of debt, and your property is growing by a $100. That means you've opened up capacity or LDR of of about thirty nine months at a $150,000. So then we'll have to reassess your insurances. And every year that you get older, the more expensive insurance becomes because you get more risky to insurance company. So the way we counteract that expense is we reduce the amount of the sum insured.\n\nBut we need to again, we need to make sure that if we're looking at insurances, we need to make sure that it's enough. So we and then eventually, you'll just have no debts and you'll be self insured because you can facilitate your own needs at the outcome. That's a nice outcome. Right? So that and we adjust portfolios if need to.\n\nWe do everything. That's part. We do the process again. Essentially, that's what your ongoing services. Now onto the fees and the charges.\n\nSo we are professional service. We do charge a professional service fee. And it depends on what you want to start working. So each stage has a different fee structure along with that process. Right?\n\nSo at the moment, we've understood that you are looking up or looking at superannuation insurances. So that's the roots. We will do you we will give you a complimentary statement of advice for that because it's a very big document just like a carpenter or, you know, a a a a a carpenter will build a desk. We build a statement of advice, same kind of thing, except it's just, you know, intellectual property instead of actual property. So for something like superannuation insurance recommendations to bring you on board as a client, that's that's complimentary until you, one, should proceed.\n\nAt any stage, when you proceed and you give us that authority to proceed because you can see the benefit in it, we will charge out of say, if it's super, we'll charge out the assets under management. We'll charge $13,950. So that's that's on service fee, and we can charge that out of stupid. So it doesn't cost you anything out of your back pocket. It's also tax effective.\n\nK? So now out of pocket cost for the root stage. And then, you know, at there's a bit so moving forward, say you wanna do a debt reduction strategy or cash on budgeting strategy. We're so we need you to we'll send you out a letter of engagement and I will charge you $1,650, inclusive GST, to get that plan started, which is also the roots and then branching out. If you wanna do something more complex because you've got all that sorted out, it's a $22,200 letter of engagement to get that plan started and same as for the retirement basis.\n\nRight? So calling it again, hanging up your boots. So I'm assuming you probably wanna go ahead with the root stage. Just get this get a get a recommendation on the super insurance, charge everything out super, see how we go, and then we'll start moving on to, like, the shared portfolios and things like that. Yeah.\n\nYeah. I don't think just by looking at your situation, breaking that initial kind of cash flow down, I don't think it's worth paying, you know, the $2,200 fee out of your back pocket to get to just get an extra portfolio recommendation on $25. Right? I don't see the value I don't see the value in that for you. So if you're happy with that if you're happy with that, we can beautiful.\n\nAlright. So that's it. Now we do charge a ongoing service fee. If you go on to the next page, for an individual client like yourself, we charge a management fee by percentage. There's two ways you can charge us every year.\n\nOne is what I call the loyal way, which is the way we don't charge because I don't know if you ever dealt with lawyers, but I do all the time for compliance purposes to make sure that we run compliantly. And every I've got people service. So every time that I send an email to you or every time you didn't wanna get in touch with me, you I will send you a big juicy invoice of my hourly rate even if it was five minutes of your time of my time. You know, I'll send you whatever you expect, every state, all the lights, bills, everything. So all that that and that that way of charging for us, it just goes directly against our vision of being trusted.\n\nBecause in order to build trust and rapport with the client, we need to talk to each other. But if you know you're gonna get a big juicy invoice every time you reach out and talk to me, you're not gonna wanna talk to me. So so for that for for that reason to be able to uphold that version of what we wanna achieve and reflect within the fees, we charge a percentage based out of the management of the assets we manage. So if it's just superannuation, we will charge a percentage based of that. One, it's tax effective again.\n\nTwo, it doesn't come out of your back pocket. It's great. And three, it means that we have to make money for us to make money. And if you're gonna if you get the market goes down, we will we will make less money as well as by you losing money. Right?\n\nSo it's kind of like integrated in our relationship. Does that make sense? Yeah. That's right. Yeah.\n\nI know. So that. Yep. Correct. Correct.\n\nSo if you're looking at the annual fee, the percentage base is $0. 200,000 is 1.65% increase in GST. When you get over to when we make over $200,000 to 500,000, we try we drop the percentage base fee down to 1.375%, inclusive g all of this is inclusive of GST. But once we get you to 500,000 to a million, it goes to 1.1%. And 1,000,000 to $2,000,000, it goes to 0.825%.\n\nSo it's it's it's incentivizes you to, one, bring on your partner, two, us to make more money, and three, you to make more money as well, most importantly, because you know that you get lower fee. It's a tiered structure. So, like, once you get to that, you know, 1.65%, capped at 200,000 for 200,000, 500.015 at $3,300. So it will cap at $3,300, and then every dollar above that, you'll only be charged at 1.375¢. Does that make sense?\n\nPerfect. If your partner comes on board, then we reduce the 200 to 500,000 thousand the next step. We need one step away. So that both of you combined will be charged if you're not over a million, you'll be charged to $0.01 $5.05 and $7.0.825. Do you have any questions about the fees?\n\nNo. That's okay. Well, either way, it's yeah. I mean, either way, it's gonna be yeah. If we if we look after your stuff, you see you see the benefit of the twelve months.\n\nIt'll be a lot easier with numbers too and proof to be able to convince that. Right? And that's why we do that's why we do it this way because we're pretty confident in our services. We we like to believe we're pretty good at what we do. Right?\n\nPrivacy and record keeping, we have to abide by all the law. Any sort of relationship or associations we have we don't take any referral fees from anybody. Too much that I this is too much of conflict of interest. It's like, we're here. It also feels like I'm soliciting my clients in a way.\n\nIt's just I don't like it. We've got all insurances you could ever imagine. We because we're very large, we manage hundreds of millions of other people's money. We have to actually go and get the insurance, Lloyds Bank, London. I received so we got all of that.\n\nWe got cybersecurity. We got everything. Last point that I wanna touch on is the complaint. So what happens if you give me your money and I I'm gonna run run away to The Bahamas and I'm drinking peanut coladas with your money? What do you do?\n\nAlright. Correct. Okay. So there there's two ways to go about this. The first way please do this first because we're pretty recently people.\n\nWe've only ever had three formal complaints with Apple. But the second in a decade was pretty good. So so the first step is what we call an IDR, the internal dispute resolution. And that means you get in touch with the compliance manager or responsible manager of the ASL itself and speak to them about it. The responsible manager or RM of Oaktree Financial is me.\n\nBut you're gonna be but you're gonna be pretty pissed at me, and I wouldn't probably wanna speak to you because I'm overseas in The Bahamas during the bidding collapse of your money. Right? So so for that reason, we've got two RNs of licensed individuals, which usually they're accompanied for protection, but I like to take I like to take responsibility for my actions upon their stuff. So so that's my business part and part. And that's why he is a he is a secondary RM on the license.\n\nSo he would probably just speak to him. I said, hey. He said he's wrong way. My money ends. Like I said, it won't happen, but he will work with you to work it up.\n\nIf, for some reason, he tells you to get stopped because you can join me or whatever the reason, then you can always go to Secondly and second definitely, you remember Secondly because we paid for those complaints, which is annoying. But you go to ATCO, which is next EDR, next external dispute resolution, which is the Australian Financial Complaints Authority. Their phone number and website's there, and you'll be there. They'll come they're amazing. They come down with their lawyers that didn't make it in the real world, so they gotta work back up.\n\nAnd they've gotta be in their buttock because they didn't make it in the real world, and they just wanna prove themselves to the government or whatever they're working for. Right? So they come down off like a ton of bricks. So you got protection there as well. Do you have any questions about that services, these compliance, anything?\n\nBeautiful. Last thing I'm gonna do is I'm gonna run you through a well, I've already got most of your fact find. I'll confirm those details. But then the last thing I wanna do is essentially go through a risk profile questionnaire. Now I had to make these questions up, asking in the federal government too.\n\nSo some of them are pretty pretty dumb. I'll let you know. You'll you'll you'll work out which ones are the best. But that's fine. But I do have to ask them.\n\nK? So it's about 30 questions, and then I'll book in another time in a couple weeks, and then we're done. Yep. Yeah. So how would you rate your willingness to take financial risk?\n\nWould you say that you're a very high risk taker, high risk taker, average risk taker, or low risk taker? Beautiful. Alright. And how familiar are you with investment markets? Would you say that you're comfortable with all investment markets and you know everything about them?\n\nWould you say that you are aware that investments fluctuate? Would you say that you got a fairly good market grasp, but you're still learning? Based on yeah. Yeah. Yeah.\n\nJust from what we what you just we discussed before, I'll send that to you as well. So how would you describe your experiences with the investment market? So did you say that you've had a positive with investment experience from the same markets and understand that they fluctuate? Would you say that you've learned to risk and reward balance from a negative experience? Would you say that you have you have you'd say you're an investment lover.\n\nShe's never really done it, but she's naturally cautious. Or would you say that you've lost too much money in the past and never wanna do it again? Good. How how how that Huddl go? Good.\n\nAlright. Have you ever the next question is what's the investment you've ever purchased? Have you ever purchased some direct shares? Alright. Well, then we put down managed funds because your superannuation currently held in managed funds.\n\nK? Alright. Investment time frame. Because we're dealing with super, I would say that's longer than ten years. Timeline horizon.\n\nYep. Alright. So volatility is on board. Volatility investments go up and down, and value is called volatility as an HR based. How much could your investments value drop over the next twelve months for your super you invest with the super with us?\n\nAnd in twelve months, how much could it drop by before you start feeling concerned and anxious? Would you say more than 50%, up to 50%, up to 25%, up to 10%? 25%. Beautiful. And what happens if you invest your suit with us and then six months in line with general trends in the financial markets, we find out that your portfolio has decreased by 20%.\n\nWould you, one, invest heavily expecting future growth? Would you, two, invest modestly expecting future growth? Would you hold and wait improvement after speaking to your financial professional? Or would you tell me to get stuff and sell everything to cash? Huddle.\n\nHuddle. Yep. Gotcha. And what kind of this is one of those super questions. What kind of return do you expect to achieve on your investments and superannuation over the longer term?\n\nMore one, more than 8%? Two, sixty eight percent? Three, sixty four? Four to 6%? Or four two to 4%?\n\nI'm assuming the most. Right? Yep. Perfect. And so last couple of questions.\n\nHave you ever thought about taking out a loan to invest? One, you have borrowed or open to borrowing for stocks and funds, if it's appropriate. Two, you have borrowed or open to borrowing for investment properties. Or three, you would only bought borrow for investment property. Or four, you're never gonna borrow.\n\nBut not shares, like a margin loan? Or Beautiful. Okay. And based on the way that you just answered that previous question, how would you how would taking on lunch investment shares may keep in? Would you say that you're comfortable borrowing from investments, aware of the risks?\n\nWould you say that you're you're somewhat comfortable but you're cautious? Would you say that you're careful with borrowing and understand this the risk involved? Would you say that you're hesitant to borrow weary of the high risks involved, or would you say you'll never borrow? Gotcha. Alright.\n\nSo you are a you're essentially drum roll, please. I'm just adding it all up. And that's the best investment capacity moving up or down one investment. Risk profile, we call it. Because when it comes to risk, there's there's four ingredients.\n\nYou know, Macbeth's, like, the the three riches in the melt melting pot. So the the, you know, bubble bubble gargle and trouble. I have mutual last stuff. I don't know how, not my reference system I had just been, but this works. So there's four ingredients in the pot, which is your time horizon, your risk profile, which is what works now now, your risk capacity, and your risk tolerance.\n\nAnd all four of them kinda work together. So the way that I've just you've just asked those questions and just been speaking to you recently, You your natural courses comes in there, sir. I wouldn't say you're kind of pedals to the middle for a fee for a long time guy. Right? Perfect.\n\nSo you have come out as a a 35. And what that makes you is towards the more defensive end of a growth investor. So a growth investor is usually a time horizon of about six to eight years because that means the asset allocation of the of the percentage differences between growth and the sort of assets, which are international and domestic shares and things like infrastructure, gold, commodities, stuff like that. But then you've got the rest the other portion of percentage of your portfolio and defense, like fixed interest, cash, some of the other commodities, those kind of things like bonds, bills, that stuff, Fed reserve and just cash. So looking at the way you answer those questions, I think a growth is actually appropriate for you because it accommodates for about what that means is about 70 to 80% invested into shares.\n\nTo give you an idea, defensive portfolio is, like, 55, 45. So 55% invested into the market and 45% invested into defensive assets. That's about, like, that's that's a defensive balanced portfolio. Because when you see the balance, you know, if you're looking at your superannuation, it says my super balance for something, that's a growth portfolio. It's invested 75% to the market.\n\nSo I don't wanna change you too much from what you're really doing. And the sole reason if if we if we did weren't talking if we weren't including time horizon, I'd be looking at something like a balance growth portfolio. So one risk profile lower. But because you're looking at only some investment superannuation with the time horizon of, you know, twenty, twenty three years, I'll be comfortable leaving you at the growth environment. So you're gonna look at something about 80% investment in the market, 20% effective assets.\n\nWould you does that make sense? Would you be comfortable with that all? Okay. Have you have you ever are you in front of a computer right now? You are.\n\nYep. Go give me a favor and I'll explain this to you because I really wanna make sure that we get this right. Because more often than not, you know, when clients come to me and they say, you know, I lost all this money during this this downturn. Now what I had a $100. Now I've been getting $8.\n\nHow do I make my $20,000 back as soon as possible? My answer is not always the answer they wanna hear. Because when I give them the solution, I give them another question. And the question is, well, why were you taking that much risk in the first place? You obviously won't invest.\n\nRight? So so go to a new Google page and just type in the the actual search on that Google search, like the actual ad, like, website area. Type in andex, so andex,.com.au. You'll see a big chart. Click on that chart.\n\nYeah. I make sure I press that. And then click on that when you click on the chart, then you add them to goes on to the next page to purchase it. Just go into the magnifying glass on the actual chart on the left hand side. So okay.\n\nSo you're looking at the big colorful, very comprehensive chart. Right? So on the far left hand side is $19.50. Far right hand side is 2025 end of twenty twenty five. Right?\n\nSo this is the growth of a 100 with no acquisition cost, no taxes, and all income or dividends reinvested back into that asset. Right? That blue line, remember $100. The dark blue line is essentially all Australian shares. That's the Australian all of those index.\n\nAnd it's been a bumpy ride you know, that the first major drop was industrial kind of drop, which was mid seventies. Then the next very sharp drop was Wolf of Wall Street, Jordan Belfort's first day of trading. It's when no. They call it Black Black Friday. The next one a little bit closer to home is twenty two thousand seven to February.\n\nSo you see that drop up? That drop from top to bottom was 61 63%. So that year and a half is 63%. I'm gonna go back to that as an example. So if you've if you had a $100, you invested a $100 into a 100% Australian index fund, you in a year and a half, if you do so, would essentially be left with even with reinvesting as it falls, I was talking to you, you would be left with essentially $37,000.\n\nBut if you kept your pool, right, and you just left it in there, currently investing, it would have taken approximately almost six years. So one, two, let me see if I remember this right. One, two, three, four, five. Yeah. Not five, five and a half, six years.\n\nI believe it was 05/2004. Just for memory. Yeah. 05/2004, not five years or four months, but five point four years, it would have taken after the top of the market down through GFC and all the way to top again. If you just held huddled, then you wouldn't have a $100,000 back.\n\nSo that that's five that's the most aggressive asset outside view of equity you can invest in. Right? So when we talk about time horizon, that after the largest financial collapse in recent time, in the most aggressive assets, it wouldn't even take six years for you to make your money back. It was really bad for me. So that gives you an idea.\n\nYeah. Correct. But essentially, a $100 over seventy five years would have a you'll end up with $362,654. That's CPI 2.5% as well. So if you go to the light blue line, less volatility because you're taking 30% of entered assets, that's a balance for 40 m c.\n\n70 30 split. We want you to take a little bit more than that. I'm gonna I'm I'm just by you saying taking more risk, maybe even $85.15. And then just yeah. Take a long period.\n\nSo I wanna get you somewhere in between that top, the light, blue one. But then, obviously, as you get close to retirement, '54, '55, we start really raining back the risk every year. So that's kind of so that you can be somewhere close to the green green line. Obviously, not as far as they've been the last couple years because bonds have been terrible. They have a a bearable bond bearable bonds.\n\nBut, yeah, the green line's bonds. And then you got cash. It just shows you the growth factor. But that gives you an idea of time versus risk because since you have to if you wanna calculate it on a on a variation, a covariance matrix, like a standard deviation perspective, mathematical stuff, you can literally work out that time. It's literally equal to a ratio of 1.01 to rest after eleven point eight years.\n\nSo it's one to one. You won't lose. Are you you got a zero you got a 0.0001 then chance of losing in any financial market up here for almost twelve years. As an index. Correct.\n\nBut we so that gives you an idea. And, I mean, you can look at any point in time. You show me anytime on ten years that most aggressive assets have gone down, then it hasn't seem to be good. Alright. So that gives you an idea.\n\nAnyway, I would I'm gonna I'm gonna bump you up a bit. I'm gonna say the same growth environment, but not $80.20. I'm gonna go $85.15 if you're comfortable with that. So in between that flight room, drive through a line. With the input that we wanna try and get about, you know, 10 and a half, 11% every year, what it is.\n\nBeautiful. So I'm in that that in growth. Alright. Well, look, that's pretty much everything I wanted to go through with you in this call. So thank you so much for your time, mate.\n\nThanks for reaching out. It's always a pleasure to speak to your clients. Beautiful. Well, no. Thank you just yet.\n\nSo we'll see if we can get you in a better position first. I'm I'm gonna send I'm gonna send you out an email. Probably, I've got another appointment. So either by the end of business today or or Monday never sleeps. So probably knowing me, it'll be 11:00 at night.\n\nI'll send you an email. I was just asking for a few bits and pieces. And look outside of that. When's the best time for me to give you a callback? I'm looking at two weeks booked up.\n\nMaybe Wednesday the second, Or would you say Monday the thirty first? Yep. I've got a space at 2PM and another time at midday. Which is you guys? Midday.\n\nBeautiful. New and New South Wales. There there won't be, like, time saving gaps in between now and then. Right? I get that because I'm horrible at that time they think of.\n\nSo alright. Well, if I don't call you, I'm pretty diligent. I'm pretty punctual. So if I don't call you at that time, it's probably because it has time has changed. But I'll call you an hour later.\n\nAlright? Beautiful. I'll send you a Calvary invite as well, but if you need anything in which one is just give me a call and I'll do the same. Alright? Okay, Simon.\n\nSee you. Bye.","paragraphs":[{"sentences":[{"text":"Yeah.","start":2.8799999,"end":3.1999998,"sentiment":"negative","sentiment_score":-0.3498484492301941},{"text":"Yeah.","start":3.1999998,"end":3.6999998,"sentiment":"negative","sentiment_score":-0.336495965719223},{"text":"They they went silent and they went they hung up on me.","start":4.0,"end":8.32,"sentiment":"negative","sentiment_score":-0.5272414833307266},{"text":"I'm not boring you already.","start":8.32,"end":9.62,"sentiment":"negative","sentiment_score":-0.36923027634620664},{"text":"Yeah.","start":12.525,"end":12.765,"sentiment":"neutral","sentiment_score":-0.043326545506715775}],"sentiment":"negative","sentiment_score":-0.4451360071077943,"num_words":20,"start":2.8799999,"end":12.765},{"sentences":[{"text":"Hey, Roger.","start":12.765,"end":13.585,"sentiment":"neutral","sentiment_score":0.0012422660365700722},{"text":"So yeah.","start":14.045,"end":15.885,"sentiment":"neutral","sentiment_score":0.008774302899837494},{"text":"So we we it's those insurances.","start":15.885,"end":17.904999,"sentiment":"neutral","sentiment_score":-0.008402956649661064},{"text":"If if something goes wrong, do you wanna make sure that you're covered for the rest of your time?","start":18.205,"end":22.285,"sentiment":"neutral","sentiment_score":-0.07391769125273354},{"text":"Like, there's insurances there.","start":22.285,"end":23.904999,"sentiment":"neutral","sentiment_score":-0.12613138183951378}],"sentiment":"neutral","sentiment_score":-0.05876806858136798,"num_words":33,"start":12.765,"end":23.904999},{"sentences":[{"text":"There's these weird things you pay all this money for and the best outcome is nothing happens.","start":24.22,"end":28.08,"sentiment":"neutral","sentiment_score":-0.2802809319075416},{"text":"Right?","start":28.22,"end":28.539999,"sentiment":"neutral","sentiment_score":-0.13264793157577515},{"text":"Like, if if nothing happens yeah.","start":28.539999,"end":31.02,"sentiment":"neutral","sentiment_score":-0.230292742451032},{"text":"So they they it's but if nothing happens and you pay for coverage your entire life, then you don't get a refund of the premiums you pay.","start":31.02,"end":37.76,"sentiment":"negative","sentiment_score":-0.3658768076587606},{"text":"Right?","start":37.98,"end":38.3,"sentiment":"neutral","sentiment_score":-0.25417670607566833}],"sentiment":"neutral","sentiment_score":-0.3156159757994689,"num_words":52,"start":24.22,"end":38.3},{"sentences":[{"text":"So it's it's the worst financial decision you can have.","start":38.3,"end":41.704998,"sentiment":"negative","sentiment_score":-0.7009454965591431},{"text":"No return on in debt.","start":41.925,"end":43.385,"sentiment":"negative","sentiment_score":-0.5590124666690827},{"text":"But it's a necessary evil one.","start":45.045,"end":46.805,"sentiment":"negative","sentiment_score":-0.37477237979571026},{"text":"So therefore, with that said, you need it, especially if you take it on debt.","start":46.805,"end":51.065,"sentiment":"neutral","sentiment_score":-0.14278017580509186},{"text":"So you need to make sure that that's covered.","start":51.125,"end":53.065,"sentiment":"neutral","sentiment_score":-0.05446691479947832}],"sentiment":"neutral","sentiment_score":-0.3263345877329508,"num_words":45,"start":38.3,"end":53.065},{"sentences":[{"text":"And but in saying that you wanna you need to make sure that's covered for enough.","start":53.42,"end":57.76,"sentiment":"neutral","sentiment_score":-0.030098445829935372},{"text":"Right?","start":57.82,"end":58.14,"sentiment":"neutral","sentiment_score":0.002941099926829338},{"text":"You know, you wanna and we calculate that.","start":58.14,"end":60.379997,"sentiment":"neutral","sentiment_score":0.006854932755231857},{"text":"We work out what your needs are based on future income needs and all that for debts and what to pay out.","start":60.379997,"end":65.759995,"sentiment":"neutral","sentiment_score":-0.024874314665794373},{"text":"So, yeah, it's it's really important to assess that as well because if you're over if you're over insured, it's just as bad as being underinsured.","start":67.235,"end":74.455,"sentiment":"neutral","sentiment_score":-0.246901566735827}],"sentiment":"neutral","sentiment_score":-0.10123931820670219,"num_words":73,"start":53.42,"end":74.455},{"sentences":[{"text":"And it's I mean, yeah, if you're over insured, you're paying too much money for premiums or cover you don't need.","start":74.915,"end":80.455,"sentiment":"negative","sentiment_score":-0.35589973628520966},{"text":"And if you're under insured, you're paying all these premiums that cover that doesn't suit your needs.","start":80.6,"end":84.35999,"sentiment":"negative","sentiment_score":-0.3928915612837848},{"text":"So what's the point in paying for that at all?","start":84.35999,"end":86.14,"sentiment":"negative","sentiment_score":-0.3405695915222168},{"text":"Alright.","start":86.2,"end":86.7,"sentiment":"neutral","sentiment_score":0.005094149615615606},{"text":"So yeah.","start":88.35999,"end":90.36,"sentiment":"neutral","sentiment_score":0.1560649238526821}],"sentiment":"negative","sentiment_score":-0.3380690768963712,"num_words":51,"start":74.915,"end":90.36},{"sentences":[{"text":"So we can definitely calculate that, and I'll give a recommendation.","start":90.36,"end":92.86,"sentiment":"neutral","sentiment_score":0.21661409735679626},{"text":"Struct our infrastructure didn't find that super because we're looking at super anyway.","start":93.079994,"end":96.935,"sentiment":"neutral","sentiment_score":-0.07134187049590625},{"text":"So that works in the background.","start":98.274994,"end":99.555,"sentiment":"neutral","sentiment_score":0.20528683066368103},{"text":"Obviously, your accounting taxation, just getting the accountant is probably the best best kind of area in that because especially with your kind of wage.","start":99.555,"end":107.655,"sentiment":"neutral","sentiment_score":0.14001321017742158},{"text":"Right?","start":108.17,"end":108.67,"sentiment":"neutral","sentiment_score":0.10032673180103302}],"sentiment":"neutral","sentiment_score":0.11228015579815422,"num_words":56,"start":90.36,"end":108.67},{"sentences":[{"text":"Now after that, what we do is I like to call these perfect foundations.","start":109.21,"end":112.59,"sentiment":"neutral","sentiment_score":0.318940315927778},{"text":"You know, once you got the roots in place, you wanna get the trunk of the tree.","start":112.96999,"end":116.649994,"sentiment":"neutral","sentiment_score":0.2947055644848767},{"text":"And if this trunk is steady and strong, like, think about four pillars made out of bricks and mortar, if you would, They are essentially creating a relationship with your money, very very important, so cash flow and budgeting.","start":116.649994,"end":129.905,"sentiment":"neutral","sentiment_score":0.31563455210282254},{"text":"Then getting some sort of non a nondeductible appreciating asset.","start":130.445,"end":135.16501,"sentiment":"neutral","sentiment_score":0.29802650213241577},{"text":"Usually, first time's been a couple of first time final price for residents is a good one because there's no capital gains tax on it.","start":135.16501,"end":141.73999,"sentiment":"neutral","sentiment_score":0.26252038598060606}],"sentiment":"neutral","sentiment_score":0.29836363068648747,"num_words":105,"start":109.21,"end":141.73999},{"sentences":[{"text":"That's that's what we're looking at.","start":142.36,"end":143.88,"sentiment":"neutral","sentiment_score":0.1875591774781545},{"text":"So you we're looking at kind of, like, the setting up at at the moment, setting up the roots in the trunk or the mono.","start":143.88,"end":149.26,"sentiment":"neutral","sentiment_score":0.14201703697443008},{"text":"Right?","start":151.645,"end":152.145,"sentiment":"neutral","sentiment_score":0.1190858781337738},{"text":"But so then you also want debt reduction in?","start":152.205,"end":155.085,"sentiment":"neutral","sentiment_score":0.06745832496219212},{"text":"You said bad debt, credit cards, personal loans, stuff that you can't deduct, car loans.","start":155.085,"end":160.52501,"sentiment":"neutral","sentiment_score":-0.04974557332073649}],"sentiment":"neutral","sentiment_score":0.08313943200378812,"num_words":56,"start":142.36,"end":160.52501},{"sentences":[{"text":"We wanna try and get rid of it as soon as possible.","start":160.52501,"end":162.625,"sentiment":"neutral","sentiment_score":0.008928834150234858},{"text":"And then that you know, what what happens to your state if something does go wrong and you get all this insurance one?","start":164.17,"end":169.87,"sentiment":"neutral","sentiment_score":-0.027025129565078278},{"text":"What do we do?","start":169.93,"end":170.65,"sentiment":"neutral","sentiment_score":-0.008289487101137638},{"text":"So the state plan has been one of those foundations as well.","start":170.65,"end":173.45,"sentiment":"neutral","sentiment_score":0.046685148030519485},{"text":"That's that's your will, power of attorney, stuff like that.","start":173.45,"end":176.35,"sentiment":"neutral","sentiment_score":0.04083460904657841}],"sentiment":"neutral","sentiment_score":0.0069012778398932,"num_words":61,"start":160.52501,"end":176.35},{"sentences":[{"text":"Okay?","start":177.985,"end":178.30501,"sentiment":"neutral","sentiment_score":0.050097204744815826},{"text":"So the one that's that's the boring part.","start":178.30501,"end":180.705,"sentiment":"neutral","sentiment_score":-0.0024026811588555574},{"text":"That's the that's the starting stages that we wanna set up because the next one's the sexy part.","start":180.705,"end":185.66501,"sentiment":"neutral","sentiment_score":0.137311061223348},{"text":"Do you want?","start":185.66501,"end":186.32501,"sentiment":"neutral","sentiment_score":0.10136776914199193},{"text":"So that's that's yeah.","start":186.545,"end":187.905,"sentiment":"positive","sentiment_score":0.34710904210805893}],"sentiment":"neutral","sentiment_score":0.12338277451036607,"num_words":34,"start":177.985,"end":187.905},{"sentences":[{"text":"That's the branching out space.","start":187.905,"end":189.345,"sentiment":"neutral","sentiment_score":0.2535106360912323},{"text":"So think about diversifying, getting different avenues of the the of appreciating assets that are not only appreciating in value, but they're also deductible.","start":189.345,"end":198.74,"sentiment":"neutral","sentiment_score":0.33196431460479897},{"text":"You can bring in yield, things like commercial factories, commercial properties, shared portfolios.","start":198.96,"end":204.675,"sentiment":"positive","sentiment_score":0.47566277247208816},{"text":"The majority of that is essentially creating equity in your primary place residence so that you can leverage and buy more assets because you don't have to crystallize on it.","start":205.615,"end":214.41501,"sentiment":"positive","sentiment_score":0.48473923752705256},{"text":"Right?","start":214.41501,"end":214.91501,"sentiment":"neutral","sentiment_score":0.13193818926811218}],"sentiment":"positive","sentiment_score":0.4122250423039476,"num_words":73,"start":187.905,"end":214.91501},{"sentences":[{"text":"And this is where what I mean by, like, through remember when I said about LDR loans evaluation.","start":215.215,"end":219.92,"sentiment":"neutral","sentiment_score":0.08665439196758801},{"text":"It's really important.","start":221.1,"end":222.08,"sentiment":"neutral","sentiment_score":0.1813562661409378},{"text":"And we assess that risk along the way as well.","start":222.62,"end":225.02,"sentiment":"neutral","sentiment_score":0.20840205401182174},{"text":"So pretty long term, you and I are gonna be working together for a while and, you know, we're just I guess, we're just fortunate to kinda, you know, be seen with myself because I don't have that many clients anymore being in my position.","start":225.02,"end":237.56499,"sentiment":"neutral","sentiment_score":0.22555615537696413},{"text":"But I like to get I like to get on on the blow sometimes and see if I still got it.","start":237.625,"end":243.22499,"sentiment":"neutral","sentiment_score":0.20929462711016336}],"sentiment":"neutral","sentiment_score":0.19312456242509723,"num_words":97,"start":215.215,"end":243.22499},{"sentences":[{"text":"You know?","start":243.22499,"end":243.805,"sentiment":"neutral","sentiment_score":0.10260813310742378},{"text":"It's gonna be a long term relationship.","start":245.385,"end":247.08499,"sentiment":"neutral","sentiment_score":0.1960407303912299},{"text":"So if you don't, if for some reason you don't like me or you don't think that's likely, you don't trust me or you don't can't work with me or whatever it might be, just be honest, be open about it because we can get somebody else deal with it or, you know, it's it's it's really important that you have a good relationship with your partner.","start":247.305,"end":263.34,"sentiment":"neutral","sentiment_score":-0.00460724507583611},{"text":"Alright?","start":263.34,"end":263.84,"sentiment":"neutral","sentiment_score":0.28749334812164307},{"text":"Beautiful.","start":265.47498,"end":265.97498,"sentiment":"positive","sentiment_score":0.6770570874214172}],"sentiment":"neutral","sentiment_score":0.02863290249250638,"num_words":78,"start":243.22499,"end":265.97498},{"sentences":[{"text":"So part of that branching out, Paige, is is looking at essentially OPM, other people's money.","start":266.51498,"end":274.455,"sentiment":"neutral","sentiment_score":0.24704085942357779},{"text":"Okay?","start":274.675,"end":274.995,"sentiment":"neutral","sentiment_score":0.1473589390516281},{"text":"And this is like a good example of this is just, let's say, you got $10,000, numbers like this.","start":274.995,"end":280.53,"sentiment":"neutral","sentiment_score":0.2529711840968383},{"text":"Right?","start":280.53,"end":280.77002,"sentiment":"neutral","sentiment_score":0.2501608431339264},{"text":"So $10,000, you put it in an investment, shares, property, whatever it is, that grows by 10% in a year.","start":280.77002,"end":287.49002,"sentiment":"positive","sentiment_score":0.4166921526193619}],"sentiment":"neutral","sentiment_score":0.3068503347928064,"num_words":57,"start":266.51498,"end":287.49002},{"sentences":[{"text":"You made a thousand dollars in that year.","start":287.49002,"end":289.33002,"sentiment":"positive","sentiment_score":0.6079850271344185},{"text":"Congratulations.","start":289.33002,"end":289.83002,"sentiment":"positive","sentiment_score":0.6748066544532776},{"text":"Alright?","start":290.53,"end":291.01,"sentiment":"neutral","sentiment_score":0.2482036799192429},{"text":"But then you pay tax on it.","start":291.01,"end":292.425,"sentiment":"neutral","sentiment_score":0.038772894867828915},{"text":"However, if you take that this number's sake, but if you take that same $10,000 and you go to an institution like a bank or investment bank or whatever it might be, private equities, and you get $90,000.","start":292.66498,"end":303.72498,"sentiment":"neutral","sentiment_score":-0.030036141850838537}],"sentiment":"neutral","sentiment_score":0.08939868045801466,"num_words":55,"start":287.49002,"end":303.72498},{"sentences":[{"text":"And they those two said, alright.","start":303.94498,"end":305.625,"sentiment":"neutral","sentiment_score":-0.07574370255072911},{"text":"I'll give you $90,000, but you owe me 5% interest rate every year.","start":305.625,"end":309.75998,"sentiment":"neutral","sentiment_score":-0.1459399894453012},{"text":"Right?","start":309.75998,"end":310.25998,"sentiment":"neutral","sentiment_score":-0.03531218320131302},{"text":"Then you go, not a problem.","start":311.28,"end":312.88,"sentiment":"neutral","sentiment_score":0.02000131147603194},{"text":"That's $4,500 that you owe that person or the or the facility of having $90.","start":312.88,"end":319.75998,"sentiment":"neutral","sentiment_score":-0.006739386584376917}],"sentiment":"neutral","sentiment_score":-0.057757980273269886,"num_words":41,"start":303.94498,"end":319.75998},{"sentences":[{"text":"Right?","start":319.75998,"end":320.25998,"sentiment":"neutral","sentiment_score":0.045965805649757385},{"text":"But now you got a 100 thousand dollars, 90,000 plus 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$5,500.","start":340.15,"end":342.56998,"sentiment":"neutral","sentiment_score":0.005001020384952426},{"text":"Right?","start":342.62997,"end":343.11,"sentiment":"neutral","sentiment_score":0.025966620072722435},{"text":"Just face value.","start":343.11,"end":344.25,"sentiment":"neutral","sentiment_score":0.053466436763604484},{"text":"So that means you just 55 time you're 55% 55 times your your return.","start":344.47,"end":351.61,"sentiment":"neutral","sentiment_score":0.1789182254246303},{"text":"Essentially, from a thousand to five times, so it's a 55% return on investment to your investment, 12 to 10.","start":352.215,"end":358.39502,"sentiment":"neutral","sentiment_score":0.12401814348995685}],"sentiment":"neutral","sentiment_score":0.12360923899160255,"num_words":42,"start":340.15,"end":358.39502},{"sentences":[{"text":"And that's theory.","start":359.335,"end":360.055,"sentiment":"neutral","sentiment_score":0.1330425093571345},{"text":"That's the leveraging.","start":360.055,"end":361.355,"sentiment":"neutral","sentiment_score":0.2709761708974838},{"text":"Yeah.","start":361.975,"end":362.475,"sentiment":"neutral","sentiment_score":0.0853927880525589},{"text":"There's risk involved.","start":362.615,"end":363.295,"sentiment":"neutral","sentiment_score":-0.12263482809066772},{"text":"You got margin maintenance.","start":363.295,"end":363.89502,"sentiment":"neutral","sentiment_score":-0.08507722802460194}],"sentiment":"neutral","sentiment_score":0.042088245174714496,"num_words":14,"start":359.335,"end":363.89502},{"sentences":[{"text":"You also got margin loans, things like that, margin calls.","start":363.89502,"end":368.51,"sentiment":"neutral","sentiment_score":-0.005901483632624149},{"text":"You know, when that happened, but you can a lot of people don't realize is that when a margin calls when a margin being called by a facility, you can top that margin up with the maintenance level.","start":368.97,"end":378.465,"sentiment":"neutral","sentiment_score":0.046489351772164046},{"text":"You can add towards it and then you can keep the investment if you believe it's gonna continue going up.","start":378.54498,"end":382.805,"sentiment":"neutral","sentiment_score":0.14829763844609262},{"text":"So there's lots of positive, but that gives you a little bit of a reload on of what that is.","start":384.305,"end":388.145,"sentiment":"neutral","sentiment_score":0.24893146231770516},{"text":"And let's just say we do that usually about ten, fifteen years.","start":388.145,"end":391.685,"sentiment":"neutral","sentiment_score":0.18079117313027382}],"sentiment":"neutral","sentiment_score":0.11821656623855233,"num_words":100,"start":363.89502,"end":391.685},{"sentences":[{"text":"You just diversify.","start":392.19998,"end":393.02,"sentiment":"neutral","sentiment_score":0.2750542263189952},{"text":"You build up your overall asset portfolio, then you can retire.","start":393.08,"end":397.63998,"sentiment":"neutral","sentiment_score":0.3035058995539492},{"text":"If you hang your boots up, you're 55 years old, let's say, and you're really comfortable.","start":397.63998,"end":401.72,"sentiment":"neutral","sentiment_score":-0.10406939475797117},{"text":"You say, look, I'm bad enough.","start":401.72,"end":402.91998,"sentiment":"negative","sentiment_score":-0.36877059439818066},{"text":"That's that's I don't wanna work anymore.","start":402.91998,"end":404.36,"sentiment":"negative","sentiment_score":-0.6273166963032314}],"sentiment":"neutral","sentiment_score":-0.09547030657183292,"num_words":43,"start":392.19998,"end":404.36},{"sentences":[{"text":"I've got nothing come coming from my investment.","start":404.36,"end":406.3,"sentiment":"negative","sentiment_score":-0.42064477503299713},{"text":"Just for $5,000 a week.","start":406.47498,"end":408.41498,"sentiment":"neutral","sentiment_score":-0.14628517627716064},{"text":"Right?","start":408.47498,"end":408.97498,"sentiment":"neutral","sentiment_score":-0.04123955592513085},{"text":"So let then you hang up your boots.","start":409.835,"end":411.675,"sentiment":"neutral","sentiment_score":0.034826891496777534},{"text":"So what happens then to be able to essentially retire is you you need to sell something and move stuff around and change ownership and the trust structure and things like that.","start":411.675,"end":422.77002,"sentiment":"neutral","sentiment_score":0.12298216857016087}],"sentiment":"neutral","sentiment_score":0.0014114979378603123,"num_words":54,"start":404.36,"end":422.77002},{"sentences":[{"text":"What happens when that happens is you get a liability of capital gains tax.","start":422.77002,"end":430.21002,"sentiment":"neutral","sentiment_score":-0.05361133760639599},{"text":"We don't like taxes like we said before.","start":430.21002,"end":432.63,"sentiment":"neutral","sentiment_score":-0.3200481440871954},{"text":"Because if you ask me, it sounds like you've taken all the risk on post tax dollars to be able to get yourself into that position in the first place.","start":433.25,"end":443.255,"sentiment":"neutral","sentiment_score":-0.19484386170903842},{"text":"And now when Chris learns, you gotta pay more tax.","start":443.475,"end":446.055,"sentiment":"neutral","sentiment_score":-0.24363739788532257},{"text":"That sounds a little sounds a little bit unfair to me.","start":446.435,"end":449.495,"sentiment":"negative","sentiment_score":-0.3495689616961913}],"sentiment":"neutral","sentiment_score":-0.21147797654752862,"num_words":73,"start":422.77002,"end":449.495},{"sentences":[{"text":"But that's why we need.","start":449.74,"end":452.37997,"sentiment":"neutral","sentiment_score":-0.05096387267112732},{"text":"So what we do is we we look at ways to mitigate that liability, which is TTR structures like transition to retirement strategies, the super.","start":452.37997,"end":459.9,"sentiment":"neutral","sentiment_score":0.14839385613799094},{"text":"You can really stop the tax man between the ages 60 and 65.","start":459.9,"end":464.08,"sentiment":"neutral","sentiment_score":0.23452875018119812},{"text":"I like to call it the Goldilocks zone because you can just write everything off.","start":464.175,"end":469.07498,"sentiment":"neutral","sentiment_score":0.2018792673945427},{"text":"But if it's before that, you can distribute proceeds by through trust structures, supplementary funds in it, with Social Security strategies a little bit down the track as well.","start":469.53497,"end":477.29498,"sentiment":"neutral","sentiment_score":0.10825423639396141}],"sentiment":"neutral","sentiment_score":0.1456489960780774,"num_words":87,"start":449.74,"end":477.29498},{"sentences":[{"text":"So that is that that's more of the really kinda complex areas to try and mitigate liabilities in the most legal way possible.","start":477.29498,"end":484.08002,"sentiment":"neutral","sentiment_score":0.08318216224079547},{"text":"Obviously, everything that is legal.","start":484.46,"end":486.06,"sentiment":"neutral","sentiment_score":0.16766453981399537},{"text":"And then after you do that, you get to the seeding stage.","start":486.06,"end":489.1,"sentiment":"neutral","sentiment_score":0.18988809113701186},{"text":"So your children and then get into generational wealth can grow.","start":489.1,"end":493.12,"sentiment":"neutral","sentiment_score":0.32351381941275165},{"text":"And then the process starts again with them, hopefully with hope.","start":493.685,"end":496.58502,"sentiment":"neutral","sentiment_score":0.2333584942600944}],"sentiment":"neutral","sentiment_score":0.17993169313957613,"num_words":62,"start":477.29498,"end":496.58502},{"sentences":[{"text":"And, yeah, the they started the seating level and, you know, essentially, once they start sprouting on the ground, they'll still have to throughout their life financial lives.","start":496.965,"end":506.58502,"sentiment":"neutral","sentiment_score":0.1316733444109559},{"text":"They're gonna have to face the, you know, the storms, the hail, the shine, the winds, the rains, floods.","start":506.89,"end":513.31,"sentiment":"neutral","sentiment_score":-0.06588564322967279},{"text":"But at least they got a really big canopy over hanging over them to to assist them and give them a better opportunity of growth.","start":513.93,"end":521.37,"sentiment":"neutral","sentiment_score":0.30136252105236055},{"text":"Right?","start":521.37,"end":521.87,"sentiment":"neutral","sentiment_score":0.11231755465269087},{"text":"So that's kind of a a few cycle, if you would.","start":523.34503,"end":526.16504,"sentiment":"neutral","sentiment_score":0.1804250939325853}],"sentiment":"neutral","sentiment_score":0.1436438456709896,"num_words":84,"start":496.965,"end":526.16504},{"sentences":[{"text":"To give you an idea, so let's set up those roots in trunk and well, but firstly, the roots because it'll be cheaper for you from a fee perspective.","start":527.98505,"end":535.04504,"sentiment":"neutral","sentiment_score":0.20614182178316445},{"text":"And I'll walk you through that in a second.","start":535.86,"end":537.22003,"sentiment":"neutral","sentiment_score":0.13591725627581278},{"text":"But the next couple pages just need our experienced team.","start":537.22003,"end":541.4,"sentiment":"neutral","sentiment_score":0.05686545968055725},{"text":"Our story is a, you know, low down of why who we are, why we started, where we were.","start":541.54,"end":548.2,"sentiment":"neutral","sentiment_score":0.11275094865184081},{"text":"And that's myself, picture myself, my business partner.","start":548.405,"end":550.645,"sentiment":"neutral","sentiment_score":0.1306526493281126}],"sentiment":"neutral","sentiment_score":0.14610015938679377,"num_words":75,"start":527.98505,"end":550.645},{"sentences":[{"text":"The next page is myself being a little blurred about how awesome I am.","start":550.645,"end":553.765,"sentiment":"neutral","sentiment_score":0.30110653809138704},{"text":"Feel free to read it in your own time.","start":553.765,"end":555.705,"sentiment":"neutral","sentiment_score":0.29189156658119625},{"text":"Yeah.","start":556.525,"end":557.025,"sentiment":"neutral","sentiment_score":0.18511077761650083},{"text":"And there's all the degrees and to see the the the my authorized representative number on the asset.","start":557.84503,"end":564.88,"sentiment":"neutral","sentiment_score":0.09944761916995049},{"text":"I'll show you that in a little bit as well.","start":564.88,"end":566.66,"sentiment":"neutral","sentiment_score":0.10214082151651382}],"sentiment":"neutral","sentiment_score":0.1892133032759795,"num_words":52,"start":550.645,"end":566.66},{"sentences":[{"text":"But then there's a little load bubble that are kinda senior team of our in our firm, we've got a team of about 43 employees.","start":567.04,"end":573.3,"sentiment":"neutral","sentiment_score":0.031249537244439126},{"text":"So, you know, just to give you depth of company, you can call up.","start":573.68,"end":577.075,"sentiment":"neutral","sentiment_score":0.0638767345143216},{"text":"And if I'm not available in a meeting or away or something, there'll always be someone there to help you.","start":577.075,"end":582.355,"sentiment":"neutral","sentiment_score":0.016917039640247822},{"text":"Alright?","start":582.355,"end":582.855,"sentiment":"neutral","sentiment_score":0.05667296051979065},{"text":"Beautiful.","start":584.595,"end":585.095,"sentiment":"positive","sentiment_score":0.47830674052238464}],"sentiment":"neutral","sentiment_score":0.04178415095341987,"num_words":61,"start":567.04,"end":585.095},{"sentences":[{"text":"Right at the bottom so yeah.","start":586.115,"end":587.555,"sentiment":"neutral","sentiment_score":0.1438521407544613},{"text":"Like I said, if you any of these documents, if you're struggling to sleep some night, then just have a flick through this so I'll knock you out pretty quick.","start":587.555,"end":595.17,"sentiment":"neutral","sentiment_score":0.03846829775720835},{"text":"But green green green OVA section down at the bottom is well, a little thing that Greg's called OPA Australia, and it's a product collaboration of expertise.","start":595.47,"end":606.39496,"sentiment":"neutral","sentiment_score":0.1322952307484768},{"text":"So I'm not a mortgage broker.","start":606.615,"end":608.795,"sentiment":"neutral","sentiment_score":-0.04383991161982218},{"text":"I'm not an accountant.","start":609.095,"end":610.21497,"sentiment":"neutral","sentiment_score":-0.03777772048488259}],"sentiment":"neutral","sentiment_score":0.07089017336703327,"num_words":73,"start":586.115,"end":610.21497},{"sentences":[{"text":"I'm actually qualified to do everything accountant does, but I'm not registered under the tax practitioners board because I can't think of anything worse than doing tax returns and being in the accountants.","start":610.21497,"end":620.18,"sentiment":"neutral","sentiment_score":-0.04985143481330438},{"text":"So I was kinda like, you know, so then there's no left to be perfectly then.","start":620.24,"end":624.5,"sentiment":"neutral","sentiment_score":0.012153917545219883},{"text":"So for that reason, we I I've kind of teamed up with people, and I've been more individuals and firms that I've been working with forever.","start":625.28,"end":632.795,"sentiment":"neutral","sentiment_score":0.07310837543068024},{"text":"You use them personally.","start":633.255,"end":634.555,"sentiment":"neutral","sentiment_score":0.07883922755718231},{"text":"We don't get any referral fees between us.","start":634.855,"end":637.015,"sentiment":"neutral","sentiment_score":-0.022182411747053266}],"sentiment":"neutral","sentiment_score":0.0067595483831547456,"num_words":87,"start":610.21497,"end":637.015},{"sentences":[{"text":"None of that nonsense.","start":637.015,"end":638.075,"sentiment":"neutral","sentiment_score":-0.11491652764379978},{"text":"So I prefer somebody else over someone else because they give me a bigger fee.","start":638.295,"end":641.995,"sentiment":"neutral","sentiment_score":-0.107478732864062},{"text":"If these are just so QCA is our commercial accounts and they look after our other stuff.","start":643.335,"end":647.82,"sentiment":"neutral","sentiment_score":0.04933333396911621},{"text":"Yeah.","start":648.46,"end":648.62,"sentiment":"neutral","sentiment_score":0.05768955871462822},{"text":"Gold Coast Wealth and Books, the mortgage broker.","start":648.62,"end":650.88,"sentiment":"neutral","sentiment_score":0.1096437806263566}],"sentiment":"neutral","sentiment_score":-0.006629791607459386,"num_words":45,"start":637.015,"end":650.88},{"sentences":[{"text":"We got Finance Industry Australia.","start":651.10004,"end":652.78,"sentiment":"neutral","sentiment_score":0.07504927515983581},{"text":"They do commercial and and and and personal lending for, like, marginal and things like that.","start":652.78,"end":658.86,"sentiment":"neutral","sentiment_score":0.07778877299278975},{"text":"KJ and associate lawyers, and then some of the more accounts.","start":658.86,"end":662.295,"sentiment":"neutral","sentiment_score":0.05071328038519079},{"text":"And we also got CJN, which are another set of lawyers.","start":662.295,"end":665.355,"sentiment":"neutral","sentiment_score":0.06265107406811281},{"text":"So just so you're aware, if you need any other services across special scope, those are the guys we work with.","start":665.815,"end":671.975,"sentiment":"neutral","sentiment_score":0.042361534954536526}],"sentiment":"neutral","sentiment_score":0.058694794948678464,"num_words":64,"start":651.10004,"end":671.975},{"sentences":[{"text":"Okay?","start":671.975,"end":672.475,"sentiment":"neutral","sentiment_score":0.018199460580945015},{"text":"Beautiful.","start":673.815,"end":674.315,"sentiment":"positive","sentiment_score":0.5589278936386108},{"text":"Now going to the boring stuff for compliance, the next attachment in that email I sent you is the financial services guide for compliance purposes.","start":675.01,"end":685.64996,"sentiment":"neutral","sentiment_score":0.020308001339435576},{"text":"I do need to go through these.","start":685.64996,"end":687.11,"sentiment":"neutral","sentiment_score":-0.020545713337404386},{"text":"So we'll go through step by step, one, two, and three.","start":688.695,"end":691.995,"sentiment":"neutral","sentiment_score":0.05453608388250524}],"sentiment":"neutral","sentiment_score":0.034242318156692715,"num_words":45,"start":671.975,"end":691.995},{"sentences":[{"text":"Hold on.","start":694.695,"end":695.09503,"sentiment":"neutral","sentiment_score":-0.04609303176403046},{"text":"I just lost my email.","start":695.09503,"end":696.395,"sentiment":"neutral","sentiment_score":-0.25790500938892363},{"text":"I'm gonna open up the same documents again.","start":697.255,"end":700.315,"sentiment":"neutral","sentiment_score":-0.09911337494850159},{"text":"Go.","start":703.01996,"end":703.51996,"sentiment":"neutral","sentiment_score":-0.0031990092247724533},{"text":"Financial services guide.","start":706.69995,"end":708.31995,"sentiment":"neutral","sentiment_score":-0.00008762038002411525}],"sentiment":"neutral","sentiment_score":-0.1146357884434493,"num_words":19,"start":694.695,"end":708.31995},{"sentences":[{"text":"Okay.","start":708.77997,"end":709.27997,"sentiment":"neutral","sentiment_score":0.00388337392359972},{"text":"Okay.","start":709.5,"end":709.89996,"sentiment":"neutral","sentiment_score":0.0008382862433791161},{"text":"So on the front page, are you looking at that picture again, the gold ghost?","start":709.89996,"end":713.68,"sentiment":"neutral","sentiment_score":-0.0025674117108186087},{"text":"Okay.","start":715.175,"end":715.495,"sentiment":"neutral","sentiment_score":0.026722438633441925},{"text":"So this is the financial services guide.","start":715.495,"end":717.595,"sentiment":"neutral","sentiment_score":0.02851461565920285}],"sentiment":"neutral","sentiment_score":0.007701409310102463,"num_words":25,"start":708.77997,"end":717.595},{"sentences":[{"text":"Financial services guide is a legal document that essentially outlines all all of our services, what we're licensed to give advice in, who we authorize under, and it's got all of our license numbers and everything else along our entire scope.","start":717.735,"end":732.13,"sentiment":"neutral","sentiment_score":0.057529401670141915},{"text":"Alright?","start":732.51,"end":732.75,"sentiment":"neutral","sentiment_score":0.0397924929857254},{"text":"So we as a of the financial we we are one of the few boutique firms that actually have been awarded their own Australian financial services license.","start":732.75,"end":742.69,"sentiment":"neutral","sentiment_score":0.030837974131659226},{"text":"Do you know what that means?","start":743.075,"end":744.295,"sentiment":"neutral","sentiment_score":-0.03185261134058237},{"text":"Okay.","start":745.955,"end":746.275,"sentiment":"neutral","sentiment_score":0.020222192630171776}],"sentiment":"neutral","sentiment_score":0.040266181415829216,"num_words":76,"start":717.735,"end":746.275},{"sentences":[{"text":"So most boutique financial planning firms, they work with as what's called a corporate authorized representative of somebody else that's on there itself.","start":746.275,"end":756.615,"sentiment":"neutral","sentiment_score":0.036882220807930695},{"text":"So most of those people are like the big banks.","start":757.01,"end":759.19,"sentiment":"neutral","sentiment_score":-0.012515071406960487},{"text":"But, again, going back onto our everything we do is based on that vision of being the most trusted financial planning firm in Australia.","start":760.45,"end":767.51,"sentiment":"neutral","sentiment_score":0.31330714530001086},{"text":"If I was licensed under a Commonwealth Bank and you were looking at superannuation, I don't think Commonwealth Bank is my principal, my licensee, would like it very much if I thought that I would recommend BTG products, which are Westpac.","start":768.69,"end":782.09503,"sentiment":"neutral","sentiment_score":-0.18450044159118723},{"text":"Right?","start":782.315,"end":782.815,"sentiment":"neutral","sentiment_score":-0.03437431529164314}],"sentiment":"neutral","sentiment_score":0.0065012063755832536,"num_words":99,"start":746.275,"end":782.815},{"sentences":[{"text":"Correct.","start":784.96,"end":785.2,"sentiment":"neutral","sentiment_score":-0.12918561697006226},{"text":"So that means that I'm limited to the scope of pretty much only what's on the APL or a call approved product list is limited to whatever products they they created.","start":785.2,"end":793.06,"sentiment":"neutral","sentiment_score":-0.18546969131115945},{"text":"Right?","start":793.12,"end":793.62,"sentiment":"neutral","sentiment_score":-0.08739933371543884},{"text":"Because it means more money for them.","start":793.68,"end":795.38,"sentiment":"neutral","sentiment_score":-0.20767535056386674},{"text":"But that's not looking after your best interest as a client.","start":795.44,"end":798.375,"sentiment":"neutral","sentiment_score":-0.3300103951584209}],"sentiment":"neutral","sentiment_score":-0.21666641533374786,"num_words":51,"start":784.96,"end":798.375},{"sentences":[{"text":"Looking after my principal's best interest as a for sale.","start":798.535,"end":802.715,"sentiment":"neutral","sentiment_score":-0.1895339846611023},{"text":"Right?","start":803.175,"end":803.495,"sentiment":"neutral","sentiment_score":-0.0884438306093216},{"text":"So that so that's a big conflict for me.","start":803.495,"end":806.775,"sentiment":"negative","sentiment_score":-0.47176722354359096},{"text":"I don't I don't believe that product makers should be able to be product providers and advise them what products to buy.","start":806.775,"end":814.23,"sentiment":"negative","sentiment_score":-0.47842611372470856},{"text":"Think there's too much of a bias in conflict of interest there.","start":814.38995,"end":816.87,"sentiment":"negative","sentiment_score":-0.4754539380470912}],"sentiment":"negative","sentiment_score":-0.4159353786596545,"num_words":54,"start":798.535,"end":816.87},{"sentences":[{"text":"So for that reason, and we we applied for our own AFSO.","start":816.87,"end":821.52997,"sentiment":"neutral","sentiment_score":-0.17128319789965948},{"text":"And ASIC declined us because we're waiting.","start":822.70996,"end":824.63,"sentiment":"neutral","sentiment_score":-0.14535880195243017},{"text":"I usually get an AFSO up for, like, ten, twenty years of being in solid business.","start":824.63,"end":828.32996,"sentiment":"neutral","sentiment_score":0.016525456368981395},{"text":"Right?","start":828.47,"end":828.97,"sentiment":"neutral","sentiment_score":0.0019624345004558563},{"text":"They and I think by now, like, the second youngest firm to have a good one, something like that.","start":830.195,"end":834.77496,"sentiment":"neutral","sentiment_score":0.036580328290399755}],"sentiment":"neutral","sentiment_score":-0.03839116390074857,"num_words":55,"start":816.87,"end":834.77496},{"sentences":[{"text":"But, yeah, we we essentially got our own API as well, and that's 513068.","start":835.475,"end":839.71497,"sentiment":"neutral","sentiment_score":-0.0032963285089603494},{"text":"What that means is there's no one above us telling us what to do other than us.","start":839.71497,"end":843.255,"sentiment":"negative","sentiment_score":-0.3453780947362675},{"text":"Right?","start":844.8,"end":845.3,"sentiment":"neutral","sentiment_score":0.032308898866176605},{"text":"Which is it.","start":845.52,"end":846.58,"sentiment":"neutral","sentiment_score":-0.004570777838428817},{"text":"So any advice I can give that just means that I can give any advice on any product around the world.","start":846.8,"end":851.84,"sentiment":"neutral","sentiment_score":0.20017878569307782}],"sentiment":"neutral","sentiment_score":-0.0302718775845798,"num_words":56,"start":835.475,"end":851.84},{"sentences":[{"text":"It doesn't bother me.","start":851.84,"end":852.8,"sentiment":"neutral","sentiment_score":0.12660713028162718},{"text":"I can just add it.","start":852.8,"end":853.76,"sentiment":"neutral","sentiment_score":0.16586553305387497},{"text":"Like, it doesn't whatever is in your best interest, essentially.","start":853.76,"end":856.34,"sentiment":"neutral","sentiment_score":0.22027984708547593},{"text":"So that goes on this a little bit more about the purpose of this financial services guide.","start":857.015,"end":861.655,"sentiment":"neutral","sentiment_score":0.17237645080860922},{"text":"I'm going to number two, who we are.","start":861.655,"end":864.215,"sentiment":"neutral","sentiment_score":0.06533074518665671}],"sentiment":"neutral","sentiment_score":0.15890000642023303,"num_words":44,"start":851.84,"end":864.215},{"sentences":[{"text":"Again, that's what I just explained.","start":864.215,"end":865.755,"sentiment":"neutral","sentiment_score":0.038086979960401855},{"text":"HP Financial, we run our own rate for self.","start":866.135,"end":868.47504,"sentiment":"neutral","sentiment_score":0.049923673272132874},{"text":"We gotta put this in in a box as well under the corpse act, corporations act, a lack of independence.","start":868.79004,"end":873.93,"sentiment":"neutral","sentiment_score":-0.021395736606791615},{"text":"We aren't really allowed to say that we are independent, unbiased, or impartial because we have assets above us, and we also receive commissions from insurance providers.","start":874.23004,"end":884.685,"sentiment":"neutral","sentiment_score":0.08794926500154866},{"text":"Okay?","start":885.165,"end":885.665,"sentiment":"neutral","sentiment_score":0.060604602098464966}],"sentiment":"neutral","sentiment_score":0.04262150736850879,"num_words":63,"start":864.215,"end":885.665},{"sentences":[{"text":"Now number four, going down services we provide, I I can give you advice on pretty much anything.","start":886.765,"end":892.365,"sentiment":"neutral","sentiment_score":0.1571932298441728},{"text":"I can tell you about shares in Lithuania that invest in Apple companies if you want.","start":892.365,"end":898.365,"sentiment":"neutral","sentiment_score":0.044586341828107834},{"text":"So I don't really care.","start":898.365,"end":899.73,"sentiment":"neutral","sentiment_score":-0.22172565162181854},{"text":"I'll probably highly recommend against it.","start":899.81,"end":902.14996,"sentiment":"neutral","sentiment_score":-0.32061131795247394},{"text":"But, you know, I don't think Apple should grow that well or Lemons would grow that well in Lithuania.","start":902.52997,"end":907.67,"sentiment":"neutral","sentiment_score":-0.16216044755358444}],"sentiment":"neutral","sentiment_score":-0.040163829107768834,"num_words":64,"start":886.765,"end":907.67},{"sentences":[{"text":"Thanks for the hardiness.","start":907.88995,"end":908.94995,"sentiment":"positive","sentiment_score":0.3835176005959511},{"text":"But, you know, Well, maybe well, it's just as we have the flow of life turns our way.","start":909.49,"end":936.26,"sentiment":"neutral","sentiment_score":0.1847612008245455},{"text":"Right?","start":936.26,"end":936.58,"sentiment":"neutral","sentiment_score":0.0995095521211624},{"text":"Like when you law of attraction, maybe we're meant to talk.","start":936.58,"end":939.4,"sentiment":"neutral","sentiment_score":0.06308192793618549},{"text":"But maybe we'll we'll say that in another, say, twelve months when you put boys growing.","start":940.365,"end":947.165,"sentiment":"neutral","sentiment_score":0.02821005356963724}],"sentiment":"neutral","sentiment_score":0.12209087267518043,"num_words":50,"start":907.88995,"end":947.165},{"sentences":[{"text":"Yeah.","start":947.165,"end":947.325,"sentiment":"neutral","sentiment_score":0.051372066140174866},{"text":"Yeah.","start":947.325,"end":947.565,"sentiment":"neutral","sentiment_score":0.04394463822245598},{"text":"Yeah.","start":947.565,"end":947.805,"sentiment":"neutral","sentiment_score":0.03644675016403198},{"text":"Because if the market's full, then you wouldn't be happy.","start":947.805,"end":951.485,"sentiment":"negative","sentiment_score":-0.43498438838869335},{"text":"Right?","start":951.485,"end":951.985,"sentiment":"neutral","sentiment_score":-0.24311038851737976}],"sentiment":"neutral","sentiment_score":-0.31865648699126076,"num_words":14,"start":947.165,"end":951.985},{"sentences":[{"text":"So just to give you a breakdown of, you know, what advice you can give advice on, any government adventures, prepost, any stocks or bonds, life insurance, and life investments insurance, any basic or, you know, complex payments and deposit taking products, IDAs.","start":953.42,"end":972.575,"sentiment":"neutral","sentiment_score":0.0981188832327377},{"text":"We can do any sort of retirement savings, any managed investment fees private and public, if not a few of them, Like, property trusts and non listed property trusts, private stuff like that.","start":974.395,"end":986.54004,"sentiment":"neutral","sentiment_score":0.06926796274880569},{"text":"IDPS is signed to investor director portfolio services.","start":986.54004,"end":989.68,"sentiment":"neutral","sentiment_score":0.0908003756776452},{"text":"So that's pretty much what I'm gonna be recommending for your 25 grands if you wanted me to.","start":990.06,"end":995.52,"sentiment":"neutral","sentiment_score":0.29965610884957844},{"text":"That's all I have, you know, rate and investment products, not anything under rated or unclassified.","start":996.095,"end":1002.035,"sentiment":"neutral","sentiment_score":0.09509193641133606}],"sentiment":"neutral","sentiment_score":0.11988676861875643,"num_words":118,"start":953.42,"end":1002.035},{"sentences":[{"text":"Any and all securities including foreign exchange, any and all retirement savings account products or account based pension, you know, endowment policies, things like that.","start":1003.45496,"end":1014.39,"sentiment":"neutral","sentiment_score":0.060985573083162305},{"text":"Just renovation, which is including inclusive of self managed super funds, both partners and the specialist.","start":1014.39,"end":1020.89,"sentiment":"neutral","sentiment_score":0.08644782262854278},{"text":"What is hidden is, like, a hidden menu because you're my client, you'll have access to it, I guess, which is margin lending, which is, you know, it's not every adviser.","start":1023.11,"end":1035.205,"sentiment":"neutral","sentiment_score":0.03943328285259345},{"text":"If you have to be giving advice for a certain amount of time to be able to do that, I have been so, yeah, if you wanna do margin lending, so borrowing against the property to invest in shares, we can assist you with settlements.","start":1035.345,"end":1046.12,"sentiment":"neutral","sentiment_score":0.07037231922149659},{"text":"We can ask you around that as well.","start":1046.12,"end":1047.72,"sentiment":"neutral","sentiment_score":0.17314620688557625}],"sentiment":"neutral","sentiment_score":0.06945728222094476,"num_words":125,"start":1003.45496,"end":1047.72},{"sentences":[{"text":"Okay?","start":1047.72,"end":1048.0399,"sentiment":"neutral","sentiment_score":0.08727218210697174},{"text":"So pretty much anything we've got now, and I hope you have.","start":1048.0399,"end":1051.6599,"sentiment":"neutral","sentiment_score":0.11639885356028874},{"text":"So next question, Jim, questions about that?","start":1051.88,"end":1053.96,"sentiment":"neutral","sentiment_score":0.04419582097658089},{"text":"Or now on number five, this is just how we do an advice.","start":1053.96,"end":1065.565,"sentiment":"neutral","sentiment_score":0.09306722306288205},{"text":"So this confidential consultation is understanding what you're looking for.","start":1065.565,"end":1069.265,"sentiment":"neutral","sentiment_score":0.14623498022556305}],"sentiment":"neutral","sentiment_score":0.10385239241254884,"num_words":43,"start":1047.72,"end":1069.265},{"sentences":[{"text":"That's the initial client contact.","start":1070.15,"end":1071.59,"sentiment":"neutral","sentiment_score":0.03747886335477233},{"text":"We identify goals in which we have, and they'll do risk for a lot.","start":1071.59,"end":1074.89,"sentiment":"neutral","sentiment_score":0.007986352778971195},{"text":"From there, we got client advice presentations.","start":1075.6699,"end":1077.61,"sentiment":"neutral","sentiment_score":0.09863481830273356},{"text":"So in another two weeks or so, we'll catch up again.","start":1077.6699,"end":1080.09,"sentiment":"neutral","sentiment_score":0.07760838012803685},{"text":"I will walk you through a probably over Zoom or something for the base of the name.","start":1080.23,"end":1083.915,"sentiment":"neutral","sentiment_score":0.11551895430859398}],"sentiment":"neutral","sentiment_score":0.07050298867505733,"num_words":54,"start":1070.15,"end":1083.915},{"sentences":[{"text":"I walk you through what's called a statement of advice, which is legally binding document.","start":1083.915,"end":1089.535,"sentiment":"neutral","sentiment_score":0.10671777625878652},{"text":"And everything that we do to get financial advice, we have to do by way of statement of advice if it's personal.","start":1089.5951,"end":1094.8151,"sentiment":"neutral","sentiment_score":0.05579477988860824},{"text":"It just means there's all just down in the corporation's and all the rest of it, it just it just outlines everything in writing exactly what we're recommending for you and why.","start":1095.435,"end":1105.59,"sentiment":"neutral","sentiment_score":0.08482573495712131},{"text":"You've got advantages, disadvantages of each strategy risks involved as well as as well as any alternatives we consider.","start":1105.73,"end":1112.6299,"sentiment":"neutral","sentiment_score":-0.1550954404826227},{"text":"And we'll show you all the numbers in that so that it protects you and protects us as well in case you say, well, you didn't say that.","start":1113.3049,"end":1118.505,"sentiment":"neutral","sentiment_score":0.1963102056511811}],"sentiment":"neutral","sentiment_score":0.06976334232001982,"num_words":116,"start":1083.915,"end":1118.505},{"sentences":[{"text":"You know what I mean then.","start":1118.505,"end":1119.865,"sentiment":"neutral","sentiment_score":-0.011589532097180685},{"text":"Or you say to Hassick because you got a complaint or something that you you say, I can say I didn't say that, but you say, well, you did because it was written right here.","start":1119.865,"end":1128.74,"sentiment":"neutral","sentiment_score":-0.0332710828099932},{"text":"Right?","start":1128.74,"end":1129.24,"sentiment":"neutral","sentiment_score":0.04205530136823654},{"text":"And then I'll so I'll represent that, and you can see the benefits of our service so we can get you in a better position looking for your goals and objectives.","start":1130.02,"end":1136.6799,"sentiment":"positive","sentiment_score":0.4418973648740399},{"text":"From there, you'll essentially give us what's called an ATP.","start":1137.46,"end":1140.84,"sentiment":"neutral","sentiment_score":0.11938577964901924}],"sentiment":"neutral","sentiment_score":0.16506875081952796,"num_words":83,"start":1118.505,"end":1140.84},{"sentences":[{"text":"So an authority to proceed, which is that client consent to proceed.","start":1141.265,"end":1144.805,"sentiment":"neutral","sentiment_score":0.04907779054095348},{"text":"From there, we start implementing advice and then we are not a setting for that kind of place.","start":1145.265,"end":1150.3251,"sentiment":"neutral","sentiment_score":-0.044346233622895345},{"text":"We have been doing this for almost a decade now, so we'd hope not.","start":1150.7051,"end":1154.885,"sentiment":"neutral","sentiment_score":-0.24838804879358836},{"text":"And so we keep you on track.","start":1155.69,"end":1157.85,"sentiment":"positive","sentiment_score":0.3668620522533144},{"text":"So part of the long run service fee, which is a percentage I'll walk you through in a second, is is we we catch up and we give you a call or we give you an update every quarter.","start":1157.85,"end":1168.0299,"sentiment":"neutral","sentiment_score":0.21904668765954483}],"sentiment":"neutral","sentiment_score":0.08249026425182819,"num_words":90,"start":1141.265,"end":1168.0299},{"sentences":[{"text":"And every twelve months, we need to re re reassess your entire situation because, you know, if you buy a property and you've got us, like you said, maybe $700,000, $600,000 loan, your property, let's say, in a year's time, you're gonna go $550,000 worth of debt worth of debt, and your property is growing by a $100.","start":1168.5349,"end":1187.19,"sentiment":"neutral","sentiment_score":-0.05913092809376018},{"text":"That means you've opened up capacity or LDR of of about thirty nine months at a $150,000.","start":1187.19,"end":1195.665,"sentiment":"neutral","sentiment_score":0.051380951286238784},{"text":"So then we'll have to reassess your insurances.","start":1195.8251,"end":1197.925,"sentiment":"neutral","sentiment_score":-0.03821405163034797},{"text":"And every year that you get older, the more expensive insurance becomes because you get more risky to insurance company.","start":1198.545,"end":1204.645,"sentiment":"neutral","sentiment_score":-0.2803664579987526},{"text":"So the way we counteract that expense is we reduce the amount of the sum insured.","start":1205.025,"end":1209.685,"sentiment":"neutral","sentiment_score":-0.15675151022151113}],"sentiment":"neutral","sentiment_score":-0.09224523860616844,"num_words":119,"start":1168.5349,"end":1209.685},{"sentences":[{"text":"But we need to again, we need to make sure that if we're looking at insurances, we need to make sure that it's enough.","start":1210.24,"end":1215.7,"sentiment":"neutral","sentiment_score":-0.13689449739952883},{"text":"So we and then eventually, you'll just have no debts and you'll be self insured because you can facilitate your own needs at the outcome.","start":1216.3999,"end":1223.6,"sentiment":"positive","sentiment_score":0.3736701089143753},{"text":"That's a nice outcome.","start":1223.6,"end":1224.6599,"sentiment":"positive","sentiment_score":0.6417725533246994},{"text":"Right?","start":1224.72,"end":1225.22,"sentiment":"neutral","sentiment_score":0.2912333011627197},{"text":"So that and we adjust portfolios if need to.","start":1225.815,"end":1228.9349,"sentiment":"neutral","sentiment_score":0.1154052143295606}],"sentiment":"neutral","sentiment_score":0.1579881782333056,"num_words":63,"start":1210.24,"end":1228.9349},{"sentences":[{"text":"We do everything.","start":1228.9349,"end":1229.7549,"sentiment":"neutral","sentiment_score":0.10607116172711055},{"text":"That's part.","start":1229.815,"end":1230.2949,"sentiment":"neutral","sentiment_score":0.11945398524403572},{"text":"We do the process again.","start":1230.2949,"end":1231.495,"sentiment":"neutral","sentiment_score":0.1266065090894699},{"text":"Essentially, that's what your ongoing services.","start":1231.495,"end":1233.4349,"sentiment":"neutral","sentiment_score":0.11221413438518842},{"text":"Now onto the fees and the charges.","start":1235.6549,"end":1237.6749,"sentiment":"neutral","sentiment_score":0.0733982611979757}],"sentiment":"neutral","sentiment_score":0.10335767981798752,"num_words":23,"start":1228.9349,"end":1237.6749},{"sentences":[{"text":"So we are professional service.","start":1237.86,"end":1239.5599,"sentiment":"neutral","sentiment_score":0.0764649823307991},{"text":"We do charge a professional service fee.","start":1239.62,"end":1242.28,"sentiment":"neutral","sentiment_score":0.05822256367121424},{"text":"And it depends on what you want to start working.","start":1242.42,"end":1245.4,"sentiment":"neutral","sentiment_score":0.014124395698308945},{"text":"So each stage has a different fee structure along with that process.","start":1245.86,"end":1251.9451,"sentiment":"neutral","sentiment_score":-0.019164661100755136},{"text":"Right?","start":1251.9451,"end":1252.425,"sentiment":"neutral","sentiment_score":0.005741773173213005}],"sentiment":"neutral","sentiment_score":0.02019693297999246,"num_words":35,"start":1237.86,"end":1252.425},{"sentences":[{"text":"So at the moment, we've understood that you are looking up or looking at superannuation insurances.","start":1252.425,"end":1257.725,"sentiment":"neutral","sentiment_score":-0.03311977197881788},{"text":"So that's the roots.","start":1258.105,"end":1259.165,"sentiment":"neutral","sentiment_score":0.004348113958258182},{"text":"We will do you we will give you a complimentary statement of advice for that because it's a very big document just like a carpenter or, you know, a a a a a carpenter will build a desk.","start":1259.625,"end":1272.98,"sentiment":"neutral","sentiment_score":0.08502324582322647},{"text":"We build a statement of advice, same kind of thing, except it's just, you know, intellectual property instead of actual property.","start":1273.12,"end":1279.38,"sentiment":"neutral","sentiment_score":0.020044163312940372},{"text":"So for something like superannuation insurance recommendations to bring you on board as a client, that's that's complimentary until you, one, should proceed.","start":1280.025,"end":1290.4451,"sentiment":"neutral","sentiment_score":0.16842296978701715}],"sentiment":"neutral","sentiment_score":0.06875505078556564,"num_words":102,"start":1252.425,"end":1290.4451},{"sentences":[{"text":"At any stage, when you proceed and you give us that authority to proceed because you can see the benefit in it, we will charge out of say, if it's super, we'll charge out the assets under management.","start":1290.905,"end":1301.95,"sentiment":"neutral","sentiment_score":0.12361151813284348},{"text":"We'll charge $13,950.","start":1302.25,"end":1305.71,"sentiment":"neutral","sentiment_score":0.1066683977842331},{"text":"So that's that's on service fee, and we can charge that out of stupid.","start":1306.385,"end":1309.265,"sentiment":"neutral","sentiment_score":0.23218890598842076},{"text":"So it doesn't cost you anything out of your back pocket.","start":1309.265,"end":1311.3451,"sentiment":"positive","sentiment_score":0.37722280621528625},{"text":"It's also tax effective.","start":1311.3451,"end":1312.7251,"sentiment":"positive","sentiment_score":0.5110429227352142}],"sentiment":"neutral","sentiment_score":0.20659300179353782,"num_words":70,"start":1290.905,"end":1312.7251},{"sentences":[{"text":"K?","start":1315.025,"end":1315.525,"sentiment":"neutral","sentiment_score":0.2764747142791748},{"text":"So now out of pocket cost for the root stage.","start":1315.5851,"end":1318.405,"sentiment":"neutral","sentiment_score":0.20286671072244644},{"text":"And then, you know, at there's a bit so moving forward, say you wanna do a debt reduction strategy or cash on budgeting strategy.","start":1319.82,"end":1327.1,"sentiment":"neutral","sentiment_score":0.12895672426869473},{"text":"We're so we need you to we'll send you out a letter of engagement and I will charge you $1,650, inclusive GST, to get that plan started, which is also the roots and then branching out.","start":1327.1,"end":1339.355,"sentiment":"neutral","sentiment_score":0.1613869077215592},{"text":"If you wanna do something more complex because you've got all that sorted out, it's a $22,200 letter of engagement to get that plan started and same as for the retirement basis.","start":1339.355,"end":1348.78,"sentiment":"neutral","sentiment_score":0.11412624618969858}],"sentiment":"neutral","sentiment_score":0.14429195883493978,"num_words":103,"start":1315.025,"end":1348.78},{"sentences":[{"text":"Right?","start":1348.8401,"end":1349.0801,"sentiment":"neutral","sentiment_score":0.06915698945522308},{"text":"So calling it again, hanging up your boots.","start":1349.0801,"end":1351.7201,"sentiment":"neutral","sentiment_score":0.032290089409798384},{"text":"So I'm assuming you probably wanna go ahead with the root stage.","start":1351.7201,"end":1355.445,"sentiment":"neutral","sentiment_score":0.10032917062441508},{"text":"Just get this get a get a recommendation on the super insurance, charge everything out super, see how we go, and then we'll start moving on to, like, the shared portfolios and things like that.","start":1355.6849,"end":1365.625,"sentiment":"neutral","sentiment_score":0.17073099815419743},{"text":"Yeah.","start":1367.6849,"end":1368.1849,"sentiment":"positive","sentiment_score":0.5038127899169922}],"sentiment":"neutral","sentiment_score":0.1405407978515876,"num_words":57,"start":1348.8401,"end":1368.1849},{"sentences":[{"text":"Yeah.","start":1369.125,"end":1369.445,"sentiment":"neutral","sentiment_score":0.19998373091220856},{"text":"I don't think just by looking at your situation, breaking that initial kind of cash flow down, I don't think it's worth paying, you know, the $2,200 fee out of your back pocket to get to just get an extra portfolio recommendation on $25.","start":1369.445,"end":1386.19,"sentiment":"negative","sentiment_score":-0.3563880209218372},{"text":"Right?","start":1386.705,"end":1387.025,"sentiment":"neutral","sentiment_score":-0.10827755182981492},{"text":"I don't see the value I don't see the value in that for you.","start":1387.025,"end":1390.145,"sentiment":"neutral","sentiment_score":-0.2517563956124442},{"text":"So if you're happy with that if you're happy with that, we can beautiful.","start":1390.145,"end":1395.605,"sentiment":"neutral","sentiment_score":0.24927157961896487}],"sentiment":"neutral","sentiment_score":-0.21113721845117775,"num_words":74,"start":1369.125,"end":1395.605},{"sentences":[{"text":"Alright.","start":1396.465,"end":1396.865,"sentiment":"neutral","sentiment_score":0.1841210126876831},{"text":"So that's it.","start":1396.865,"end":1397.585,"sentiment":"neutral","sentiment_score":0.08214947829643886},{"text":"Now we do charge a ongoing service fee.","start":1397.585,"end":1399.5449,"sentiment":"neutral","sentiment_score":0.036740029929205775},{"text":"If you go on to the next page, for an individual client like yourself, we charge a management fee by percentage.","start":1399.5449,"end":1407.4299,"sentiment":"neutral","sentiment_score":0.041415181809238026},{"text":"There's two ways you can charge us every year.","start":1407.73,"end":1410.07,"sentiment":"neutral","sentiment_score":0.09628105411926906}],"sentiment":"neutral","sentiment_score":0.05858899981138252,"num_words":42,"start":1396.465,"end":1410.07},{"sentences":[{"text":"One is what I call the loyal way, which is the way we don't charge because I don't know if you ever dealt with lawyers, but I do all the time for compliance purposes to make sure that we run compliantly.","start":1411.01,"end":1422.3551,"sentiment":"neutral","sentiment_score":0.11345098585617251},{"text":"And every I've got people service.","start":1422.895,"end":1424.895,"sentiment":"neutral","sentiment_score":0.10950913901130359},{"text":"So every time that I send an email to you or every time you didn't wanna get in touch with me, you I will send you a big juicy invoice of my hourly rate even if it was five minutes of your time of my time.","start":1424.895,"end":1436.49,"sentiment":"neutral","sentiment_score":0.07517127595517946},{"text":"You know, I'll send you whatever you expect, every state, all the lights, bills, everything.","start":1436.79,"end":1440.65,"sentiment":"neutral","sentiment_score":0.031760915741324426},{"text":"So all that that and that that way of charging for us, it just goes directly against our vision of being 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will charge a percentage based of that.","start":1475.6749,"end":1479.695,"sentiment":"neutral","sentiment_score":0.044310917504704915},{"text":"One, it's tax effective again.","start":1479.9149,"end":1481.9149,"sentiment":"neutral","sentiment_score":0.07073869537562132}],"sentiment":"neutral","sentiment_score":-0.020657333810174584,"num_words":102,"start":1448.515,"end":1481.9149},{"sentences":[{"text":"Two, it doesn't come out of your back pocket.","start":1481.9149,"end":1483.595,"sentiment":"neutral","sentiment_score":0.12611972126695845},{"text":"It's great.","start":1483.595,"end":1484.335,"sentiment":"positive","sentiment_score":0.7616710662841797},{"text":"And three, it means that we have to make money for us to make money.","start":1484.4199,"end":1489.22,"sentiment":"neutral","sentiment_score":0.04836576282978058},{"text":"And if you're gonna if you get the market goes down, we will we will make less money as well as by you losing money.","start":1489.22,"end":1498.1549,"sentiment":"neutral","sentiment_score":-0.16138859067112207},{"text":"Right?","start":1498.1549,"end":1498.475,"sentiment":"neutral","sentiment_score":-0.031034503132104874}],"sentiment":"neutral","sentiment_score":-0.013112369297931973,"num_words":52,"start":1481.9149,"end":1498.475},{"sentences":[{"text":"So it's kind of like integrated in our relationship.","start":1498.475,"end":1500.8949,"sentiment":"neutral","sentiment_score":0.002575617697503832},{"text":"Does that make sense?","start":1502.875,"end":1503.9349,"sentiment":"neutral","sentiment_score":0.07342194393277168},{"text":"Yeah.","start":1506.1549,"end":1506.5549,"sentiment":"neutral","sentiment_score":0.09855594485998154},{"text":"That's right.","start":1506.5549,"end":1507.0349,"sentiment":"neutral","sentiment_score":0.12815072759985924},{"text":"Yeah.","start":1507.0349,"end":1507.1549,"sentiment":"neutral","sentiment_score":0.0660860538482666}],"sentiment":"neutral","sentiment_score":0.043400693465681636,"num_words":17,"start":1498.475,"end":1507.1549},{"sentences":[{"text":"I know.","start":1507.1549,"end":1507.7749,"sentiment":"neutral","sentiment_score":0.04558013565838337},{"text":"So that.","start":1509.755,"end":1511.135,"sentiment":"neutral","sentiment_score":0.01987073104828596},{"text":"Yep.","start":1512.0801,"end":1512.56,"sentiment":"neutral","sentiment_score":0.06412386149168015},{"text":"Correct.","start":1512.56,"end":1512.9601,"sentiment":"neutral","sentiment_score":0.07853607833385468},{"text":"Correct.","start":1512.9601,"end":1513.4601,"sentiment":"neutral","sentiment_score":0.06672295182943344}],"sentiment":"neutral","sentiment_score":0.048612089295472415,"num_words":7,"start":1507.1549,"end":1513.4601},{"sentences":[{"text":"So if you're looking at the annual fee, the percentage base is $0.","start":1513.68,"end":1517.12,"sentiment":"neutral","sentiment_score":0.04732424164047608},{"text":"200,000 is 1.65% increase in GST.","start":1517.12,"end":1520.5801,"sentiment":"neutral","sentiment_score":0.043047397707899414},{"text":"When you get over to when we make over $200,000 to 500,000, we try we drop the percentage base fee down to 1.375%, inclusive g all of this is inclusive of GST.","start":1521.2001,"end":1532.105,"sentiment":"neutral","sentiment_score":0.06066969037055969},{"text":"But once we get you to 500,000 to a million, it goes to 1.1%.","start":1532.3251,"end":1536.425,"sentiment":"neutral","sentiment_score":0.08758820779621601},{"text":"And 1,000,000 to $2,000,000, it goes to 0.825%.","start":1536.57,"end":1540.75,"sentiment":"neutral","sentiment_score":0.07994053419679403}],"sentiment":"neutral","sentiment_score":0.06411902468702564,"num_words":73,"start":1513.68,"end":1540.75},{"sentences":[{"text":"So it's it's it's incentivizes you to, one, bring on your partner, two, us to make more money, and three, you to make more money as well, most importantly, because you know that you get lower fee.","start":1541.13,"end":1552.515,"sentiment":"neutral","sentiment_score":0.2815110449855392},{"text":"It's a tiered structure.","start":1554.275,"end":1555.555,"sentiment":"neutral","sentiment_score":0.09583752788603306},{"text":"So, like, once you get to that, you know, 1.65%, capped at 200,000 for 200,000, 500.015 at $3,300.","start":1555.555,"end":1566.215,"sentiment":"neutral","sentiment_score":0.08708041885660754},{"text":"So it will cap at $3,300, and then every dollar above that, you'll only be charged at 1.375¢.","start":1566.435,"end":1573.99,"sentiment":"neutral","sentiment_score":0.04941245321841801},{"text":"Does that make sense?","start":1574.53,"end":1575.59,"sentiment":"neutral","sentiment_score":0.043726214207708836}],"sentiment":"neutral","sentiment_score":0.1672702859621495,"num_words":81,"start":1541.13,"end":1575.59},{"sentences":[{"text":"Perfect.","start":1577.8099,"end":1578.29,"sentiment":"neutral","sentiment_score":0.2662222385406494},{"text":"If your partner comes on board, then we reduce the 200 to 500,000 thousand the next step.","start":1578.29,"end":1584.015,"sentiment":"neutral","sentiment_score":0.15658427380463658},{"text":"We need one step away.","start":1584.015,"end":1585.535,"sentiment":"neutral","sentiment_score":0.1341905862092972},{"text":"So that both of you combined will be charged if you're not over a million, you'll be charged to $0.01 $5.05 and $7.0.825.","start":1585.535,"end":1592.435,"sentiment":"neutral","sentiment_score":0.13961895101744196},{"text":"Do you have any questions about the fees?","start":1594.8151,"end":1596.8351,"sentiment":"neutral","sentiment_score":0.10848887637257576}],"sentiment":"neutral","sentiment_score":0.14218990201199497,"num_words":54,"start":1577.8099,"end":1596.8351},{"sentences":[{"text":"No.","start":1610.63,"end":1610.79,"sentiment":"neutral","sentiment_score":-0.1624804437160492},{"text":"That's okay.","start":1610.79,"end":1611.61,"sentiment":"neutral","sentiment_score":-0.08119821362197399},{"text":"Well, either way, it's yeah.","start":1617.0549,"end":1618.655,"sentiment":"neutral","sentiment_score":0.01714780293405056},{"text":"I mean, either way, it's gonna be yeah.","start":1618.655,"end":1620.735,"sentiment":"neutral","sentiment_score":0.048574506770819426},{"text":"If we if we look after your stuff, you see you see the benefit of the twelve months.","start":1620.735,"end":1624.47,"sentiment":"neutral","sentiment_score":0.3210623073909018}],"sentiment":"neutral","sentiment_score":0.17436999208567774,"num_words":34,"start":1610.63,"end":1624.47},{"sentences":[{"text":"It'll be a lot easier with numbers too and proof to be able to convince that.","start":1624.47,"end":1627.9099,"sentiment":"positive","sentiment_score":0.5052374713122845},{"text":"Right?","start":1627.9099,"end":1628.4099,"sentiment":"neutral","sentiment_score":0.22168774902820587},{"text":"And that's why we do that's why we do it this way because we're pretty confident in our services.","start":1628.47,"end":1632.63,"sentiment":"positive","sentiment_score":0.593725755026466},{"text":"We we like to believe we're pretty good at what we do.","start":1632.63,"end":1635.0499,"sentiment":"positive","sentiment_score":0.6241600016752878},{"text":"Right?","start":1636.47,"end":1636.97,"sentiment":"neutral","sentiment_score":0.16407954692840576}],"sentiment":"positive","sentiment_score":0.5559240041338668,"num_words":49,"start":1624.47,"end":1636.97},{"sentences":[{"text":"Privacy and record keeping, we have to abide by all the law.","start":1638.6749,"end":1642.615,"sentiment":"neutral","sentiment_score":0.13213798155387244},{"text":"Any sort of relationship or associations we have we don't take any referral fees from anybody.","start":1643.235,"end":1648.455,"sentiment":"neutral","sentiment_score":-0.1019082018174231},{"text":"Too much that I this is too much of conflict of interest.","start":1648.995,"end":1651.895,"sentiment":"negative","sentiment_score":-0.6956451535224915},{"text":"It's like, we're here.","start":1652.54,"end":1653.26,"sentiment":"negative","sentiment_score":-0.39650558680295944},{"text":"It also feels like I'm soliciting my clients in a way.","start":1653.26,"end":1655.74,"sentiment":"negative","sentiment_score":-0.49677718769420276}],"sentiment":"neutral","sentiment_score":-0.2807852491736412,"num_words":55,"start":1638.6749,"end":1655.74},{"sentences":[{"text":"It's just I don't like it.","start":1655.74,"end":1657.2,"sentiment":"negative","sentiment_score":-0.561378613114357},{"text":"We've got all insurances you could ever imagine.","start":1657.98,"end":1660.22,"sentiment":"neutral","sentiment_score":-0.16279660910367966},{"text":"We because we're very large, we manage hundreds of millions of other people's money.","start":1660.22,"end":1664.115,"sentiment":"neutral","sentiment_score":-0.11490329301783017},{"text":"We have to actually go and get the insurance, Lloyds Bank, London.","start":1665.075,"end":1668.9349,"sentiment":"neutral","sentiment_score":-0.05457615697135528},{"text":"I received so we got all of that.","start":1669.475,"end":1672.115,"sentiment":"neutral","sentiment_score":-0.06241538608446717}],"sentiment":"neutral","sentiment_score":-0.15486515887702504,"num_words":48,"start":1655.74,"end":1672.115},{"sentences":[{"text":"We got cybersecurity.","start":1672.115,"end":1672.9349,"sentiment":"neutral","sentiment_score":-0.04491627402603626},{"text":"We got everything.","start":1673.075,"end":1673.895,"sentiment":"neutral","sentiment_score":-0.05125889182090759},{"text":"Last point that I wanna touch on is the complaint.","start":1674.915,"end":1678.375,"sentiment":"neutral","sentiment_score":-0.08294775672256946},{"text":"So what happens if you give me your money and I I'm gonna run run away to The Bahamas and I'm drinking peanut coladas with your money?","start":1678.74,"end":1685.22,"sentiment":"negative","sentiment_score":-0.34780032049726556},{"text":"What do you do?","start":1685.22,"end":1686.04,"sentiment":"neutral","sentiment_score":-0.229213397949934}],"sentiment":"neutral","sentiment_score":-0.24309500659558367,"num_words":47,"start":1672.115,"end":1686.04},{"sentences":[{"text":"Alright.","start":1686.1,"end":1686.6,"sentiment":"neutral","sentiment_score":-0.3042391836643219},{"text":"Correct.","start":1688.98,"end":1689.48,"sentiment":"neutral","sentiment_score":-0.10189749300479888},{"text":"Okay.","start":1690.1,"end":1690.6,"sentiment":"neutral","sentiment_score":-0.03794054687023163},{"text":"So there there's two ways to go about this.","start":1691.345,"end":1693.265,"sentiment":"neutral","sentiment_score":-0.029881230658955045},{"text":"The first way please do this first because we're pretty recently people.","start":1693.265,"end":1696.5651,"sentiment":"neutral","sentiment_score":-0.001727034958700339}],"sentiment":"neutral","sentiment_score":-0.03057219662393133,"num_words":24,"start":1686.1,"end":1696.5651},{"sentences":[{"text":"We've only ever had three formal complaints with Apple.","start":1696.625,"end":1700.245,"sentiment":"neutral","sentiment_score":-0.039794808667567044},{"text":"But the second in a decade was pretty good.","start":1700.9451,"end":1704.5651,"sentiment":"neutral","sentiment_score":0.16076472401618958},{"text":"So so the first step is what we call an IDR, the internal dispute resolution.","start":1704.625,"end":1711.67,"sentiment":"neutral","sentiment_score":0.1311880297958851},{"text":"And that means you get in touch with the compliance manager or responsible manager of the ASL itself and speak to them about it.","start":1712.13,"end":1718.885,"sentiment":"neutral","sentiment_score":0.05199585692025721},{"text":"The responsible manager or RM of Oaktree Financial is me.","start":1718.9451,"end":1722.645,"sentiment":"neutral","sentiment_score":-0.02277745380997658}],"sentiment":"neutral","sentiment_score":0.06084590616510875,"num_words":67,"start":1696.625,"end":1722.645},{"sentences":[{"text":"But you're gonna be but you're gonna be pretty pissed at me, and I wouldn't probably wanna speak to you because I'm overseas in The Bahamas during the bidding collapse of your money.","start":1723.505,"end":1731.505,"sentiment":"neutral","sentiment_score":-0.327222357983842},{"text":"Right?","start":1731.505,"end":1732.005,"sentiment":"neutral","sentiment_score":-0.05607279390096664},{"text":"So so for that reason, we've got two RNs of licensed individuals, which usually they're accompanied for protection, but I like to take I like to take responsibility for my actions upon their stuff.","start":1732.41,"end":1742.25,"sentiment":"neutral","sentiment_score":0.03603144762489725},{"text":"So so that's my business part and part.","start":1742.25,"end":1744.27,"sentiment":"neutral","sentiment_score":0.08456515241414309},{"text":"And that's why he is a he is a secondary RM on the license.","start":1745.325,"end":1749.905,"sentiment":"neutral","sentiment_score":0.009153783055288451}],"sentiment":"neutral","sentiment_score":-0.09805185784482294,"num_words":90,"start":1723.505,"end":1749.905},{"sentences":[{"text":"So he would probably just speak to him.","start":1750.445,"end":1752.445,"sentiment":"neutral","sentiment_score":-0.02873859484679997},{"text":"I said, hey.","start":1752.445,"end":1752.845,"sentiment":"neutral","sentiment_score":-0.06220168868700663},{"text":"He said he's wrong way.","start":1752.845,"end":1753.725,"sentiment":"neutral","sentiment_score":-0.20900451838970185},{"text":"My money ends.","start":1753.725,"end":1754.625,"sentiment":"neutral","sentiment_score":-0.25504881143569946},{"text":"Like I said, it won't happen, but he will work with you to work it up.","start":1754.765,"end":1758.99,"sentiment":"neutral","sentiment_score":-0.0888178392779082}],"sentiment":"neutral","sentiment_score":-0.10422195084393024,"num_words":35,"start":1750.445,"end":1758.99},{"sentences":[{"text":"If, for some reason, he tells you to get stopped because you can join me or whatever the reason, then you can always go to Secondly and second definitely, you remember Secondly because we paid for those complaints, which is annoying.","start":1759.23,"end":1771.33,"sentiment":"neutral","sentiment_score":-0.10512496362917306},{"text":"But you go to ATCO, which is next EDR, next external dispute resolution, which is the Australian Financial Complaints Authority.","start":1772.385,"end":1778.9651,"sentiment":"neutral","sentiment_score":0.0164690728939604},{"text":"Their phone number and website's there, and you'll be there.","start":1779.025,"end":1781.8251,"sentiment":"neutral","sentiment_score":0.025415255688130856},{"text":"They'll come they're amazing.","start":1781.8251,"end":1783.425,"sentiment":"neutral","sentiment_score":0.15532676316797733},{"text":"They come down with their lawyers that didn't make it in the real world, so they gotta work back up.","start":1783.425,"end":1787.96,"sentiment":"neutral","sentiment_score":-0.03484301958233118}],"sentiment":"neutral","sentiment_score":-0.04002255613695046,"num_words":95,"start":1759.23,"end":1787.96},{"sentences":[{"text":"And they've gotta be in their buttock because they didn't make it in the real world, and they just wanna prove themselves to the government or whatever they're working for.","start":1787.96,"end":1795.0,"sentiment":"neutral","sentiment_score":0.004231639780725042},{"text":"Right?","start":1795.0,"end":1795.3999,"sentiment":"neutral","sentiment_score":0.02751663513481617},{"text":"So they come down off like a ton of bricks.","start":1795.3999,"end":1797.82,"sentiment":"neutral","sentiment_score":-0.12983519323170184},{"text":"So you got protection there as well.","start":1800.12,"end":1801.755,"sentiment":"neutral","sentiment_score":0.09969396250588554},{"text":"Do you have any questions about that services, these compliance, anything?","start":1802.155,"end":1807.535,"sentiment":"neutral","sentiment_score":0.05224845693870024}],"sentiment":"neutral","sentiment_score":0.00218143491705848,"num_words":59,"start":1787.96,"end":1807.535},{"sentences":[{"text":"Beautiful.","start":1813.275,"end":1813.775,"sentiment":"positive","sentiment_score":0.6397272348403931},{"text":"Last thing I'm gonna do is I'm gonna run you through a well, I've already got most of your fact find.","start":1814.155,"end":1822.2899,"sentiment":"neutral","sentiment_score":0.10595158345642544},{"text":"I'll confirm those details.","start":1822.6699,"end":1823.95,"sentiment":"neutral","sentiment_score":0.07441670540720224},{"text":"But then the last thing I wanna do is essentially go through a risk profile questionnaire.","start":1823.95,"end":1828.0499,"sentiment":"neutral","sentiment_score":0.005616277630906552},{"text":"Now I had to make these questions up, asking in the federal government too.","start":1828.5099,"end":1833.405,"sentiment":"neutral","sentiment_score":-0.03198254707136324}],"sentiment":"neutral","sentiment_score":0.05008003735981349,"num_words":56,"start":1813.275,"end":1833.405},{"sentences":[{"text":"So some of them are pretty pretty dumb.","start":1833.7051,"end":1835.465,"sentiment":"neutral","sentiment_score":-0.24355416931211948},{"text":"I'll let you know.","start":1835.465,"end":1836.185,"sentiment":"neutral","sentiment_score":-0.0666597131639719},{"text":"You'll you'll you'll work out which ones are the best.","start":1836.185,"end":1839.165,"sentiment":"neutral","sentiment_score":-0.02904261661460623},{"text":"But that's fine.","start":1839.385,"end":1840.365,"sentiment":"neutral","sentiment_score":0.03937749316294988},{"text":"But I do have to ask them.","start":1840.425,"end":1841.785,"sentiment":"neutral","sentiment_score":-0.017328437683837756}],"sentiment":"neutral","sentiment_score":-0.07839577992490376,"num_words":32,"start":1833.7051,"end":1841.785},{"sentences":[{"text":"K?","start":1841.785,"end":1842.025,"sentiment":"neutral","sentiment_score":0.004964892752468586},{"text":"So it's about 30 questions, and then I'll book in another time in a couple weeks, and then we're done.","start":1842.025,"end":1846.7799,"sentiment":"neutral","sentiment_score":0.04287828197702766},{"text":"Yep.","start":1846.84,"end":1847.34,"sentiment":"neutral","sentiment_score":0.2303924262523651},{"text":"Yeah.","start":1848.5199,"end":1849.0199,"sentiment":"neutral","sentiment_score":0.11034628748893738},{"text":"So how would you rate your willingness to take financial risk?","start":1849.48,"end":1852.84,"sentiment":"neutral","sentiment_score":0.04672123915092512}],"sentiment":"neutral","sentiment_score":0.050505966961602956,"num_words":34,"start":1841.785,"end":1852.84},{"sentences":[{"text":"Would you say that you're a very high risk taker, high risk taker, average risk taker, or low risk taker?","start":1852.84,"end":1858.14,"sentiment":"neutral","sentiment_score":0.01794608631171286},{"text":"Beautiful.","start":1863.485,"end":1863.565,"sentiment":"neutral","sentiment_score":0.29685503244400024},{"text":"Alright.","start":1863.565,"end":1864.065,"sentiment":"neutral","sentiment_score":0.14500725269317627},{"text":"And how familiar are you with investment markets?","start":1864.525,"end":1867.645,"sentiment":"neutral","sentiment_score":0.06629426684230566},{"text":"Would you say that you're comfortable with all investment markets and you know everything about them?","start":1867.645,"end":1872.69,"sentiment":"neutral","sentiment_score":0.06890669232234359}],"sentiment":"neutral","sentiment_score":0.05290533094059514,"num_words":46,"start":1852.84,"end":1872.69},{"sentences":[{"text":"Would you say that you are aware that investments fluctuate?","start":1872.7699,"end":1875.5099,"sentiment":"neutral","sentiment_score":0.010282525047659873},{"text":"Would you say that you got a fairly good market grasp, but you're still learning?","start":1875.8899,"end":1879.75,"sentiment":"neutral","sentiment_score":0.01596043842534224},{"text":"Based on yeah.","start":1885.73,"end":1887.19,"sentiment":"neutral","sentiment_score":-0.002614739661415418},{"text":"Yeah.","start":1888.235,"end":1888.735,"sentiment":"neutral","sentiment_score":-0.0014296825975179672},{"text":"Yeah.","start":1890.875,"end":1891.375,"sentiment":"neutral","sentiment_score":0.05551290512084961}],"sentiment":"neutral","sentiment_score":0.012949027679860592,"num_words":30,"start":1872.7699,"end":1891.375},{"sentences":[{"text":"Just from what we what you just we discussed before, I'll send that to you as well.","start":1891.5149,"end":1895.695,"sentiment":"neutral","sentiment_score":0.04669764287331525},{"text":"So how would you describe your experiences with the investment market?","start":1896.075,"end":1900.1699,"sentiment":"neutral","sentiment_score":0.034995918585495514},{"text":"So did you say that you've had a positive with investment experience from the same markets and understand that they fluctuate?","start":1900.1699,"end":1905.3099,"sentiment":"neutral","sentiment_score":0.03744692685792134},{"text":"Would you say that you've learned to risk and reward balance from a negative experience?","start":1905.5299,"end":1909.3099,"sentiment":"neutral","sentiment_score":-0.0722242996096611},{"text":"Would you say that you have you have you'd say you're an investment lover.","start":1910.01,"end":1917.115,"sentiment":"neutral","sentiment_score":-0.05370124589119639}],"sentiment":"neutral","sentiment_score":0.0016669046241216934,"num_words":78,"start":1891.5149,"end":1917.115},{"sentences":[{"text":"She's never really done it, but she's naturally cautious.","start":1917.115,"end":1919.375,"sentiment":"neutral","sentiment_score":-0.12035821212662591},{"text":"Or would you say that you've lost too much money in the past and never wanna do it again?","start":1919.755,"end":1923.615,"sentiment":"neutral","sentiment_score":-0.2119374679107415},{"text":"Good.","start":1940.665,"end":1940.905,"sentiment":"neutral","sentiment_score":-0.029354527592658997},{"text":"How how how that Huddl go?","start":1940.905,"end":1943.5449,"sentiment":"neutral","sentiment_score":0.07967927120625973},{"text":"Good.","start":1943.5449,"end":1944.0449,"sentiment":"neutral","sentiment_score":0.25372007489204407}],"sentiment":"neutral","sentiment_score":-0.12243318402518828,"num_words":36,"start":1917.115,"end":1944.0449},{"sentences":[{"text":"Alright.","start":1959.4501,"end":1959.93,"sentiment":"neutral","sentiment_score":-0.009701709263026714},{"text":"Have you ever the next question is what's the investment you've ever purchased?","start":1959.93,"end":1963.53,"sentiment":"neutral","sentiment_score":-0.018613360392359588},{"text":"Have you ever purchased some direct shares?","start":1963.53,"end":1966.065,"sentiment":"neutral","sentiment_score":-0.01916816843939679},{"text":"Alright.","start":1969.6649,"end":1969.985,"sentiment":"neutral","sentiment_score":-0.041977670043706894},{"text":"Well, then we put down managed funds because your superannuation currently held in managed funds.","start":1969.985,"end":1975.125,"sentiment":"neutral","sentiment_score":-0.046168265864253044}],"sentiment":"neutral","sentiment_score":-0.03027984409316166,"num_words":37,"start":1959.4501,"end":1975.125},{"sentences":[{"text":"K?","start":1975.2649,"end":1975.7649,"sentiment":"neutral","sentiment_score":-0.02051737532019615},{"text":"Alright.","start":1979.41,"end":1979.89,"sentiment":"neutral","sentiment_score":-0.004374403040856123},{"text":"Investment time frame.","start":1979.89,"end":1981.33,"sentiment":"neutral","sentiment_score":-0.025080013399322827},{"text":"Because we're dealing with super, I would say that's longer than ten years.","start":1981.33,"end":1984.79,"sentiment":"neutral","sentiment_score":-0.0848680379299017},{"text":"Timeline horizon.","start":1985.25,"end":1986.55,"sentiment":"neutral","sentiment_score":-0.005890408298000693}],"sentiment":"neutral","sentiment_score":-0.060759856412187216,"num_words":20,"start":1975.2649,"end":1986.55},{"sentences":[{"text":"Yep.","start":1986.61,"end":1987.11,"sentiment":"neutral","sentiment_score":0.003606802551075816},{"text":"Alright.","start":1988.93,"end":1989.41,"sentiment":"neutral","sentiment_score":-0.0219306331127882},{"text":"So volatility is on board.","start":1989.41,"end":1991.265,"sentiment":"neutral","sentiment_score":-0.13062769323587417},{"text":"Volatility investments go up and down, and value is called volatility as an HR based.","start":1991.745,"end":1996.405,"sentiment":"neutral","sentiment_score":-0.13018663227558136},{"text":"How much could your investments value drop over the next twelve months for your super you invest with the super with us?","start":1996.625,"end":2003.49,"sentiment":"neutral","sentiment_score":-0.17261190390722317}],"sentiment":"neutral","sentiment_score":-0.14594826515531167,"num_words":44,"start":1986.61,"end":2003.49},{"sentences":[{"text":"And in twelve months, how much could it drop by before you start feeling concerned and anxious?","start":2003.97,"end":2008.45,"sentiment":"neutral","sentiment_score":-0.1954064627780634},{"text":"Would you say more than 50%, up to 50%, up to 25%, up to 10%?","start":2008.45,"end":2014.71,"sentiment":"neutral","sentiment_score":-0.1405768538514773},{"text":"25%.","start":2020.0449,"end":2020.9249,"sentiment":"neutral","sentiment_score":-0.029253782704472545},{"text":"Beautiful.","start":2020.9249,"end":2021.4249,"sentiment":"neutral","sentiment_score":0.25595569610595703},{"text":"And what happens if you invest your suit with us and then six months in line with general trends in the financial markets, we find out that your portfolio has decreased by 20%.","start":2023.085,"end":2033.42,"sentiment":"neutral","sentiment_score":-0.07629524622902725}],"sentiment":"neutral","sentiment_score":-0.11524781921127839,"num_words":67,"start":2003.97,"end":2033.42},{"sentences":[{"text":"Would you, one, invest heavily expecting future growth?","start":2034.04,"end":2037.3201,"sentiment":"neutral","sentiment_score":-0.08652758505195379},{"text":"Would you, two, invest modestly expecting future growth?","start":2037.3201,"end":2040.2001,"sentiment":"neutral","sentiment_score":-0.07009410113096237},{"text":"Would you hold and wait improvement after speaking to your financial professional?","start":2040.2001,"end":2044.14,"sentiment":"neutral","sentiment_score":-0.12185018447538216},{"text":"Or would you tell me to get stuff and sell everything to cash?","start":2044.4149,"end":2047.075,"sentiment":"neutral","sentiment_score":-0.244899917107362},{"text":"Huddle.","start":2051.535,"end":2052.035,"sentiment":"neutral","sentiment_score":-0.05736850947141647}],"sentiment":"neutral","sentiment_score":-0.14181531273892947,"num_words":42,"start":2034.04,"end":2052.035},{"sentences":[{"text":"Huddle.","start":2052.095,"end":2052.595,"sentiment":"neutral","sentiment_score":-0.03569014370441437},{"text":"Yep.","start":2052.655,"end":2052.895,"sentiment":"neutral","sentiment_score":-0.025951143354177475},{"text":"Gotcha.","start":2052.895,"end":2053.395,"sentiment":"neutral","sentiment_score":-0.08475750684738159},{"text":"And what kind of this is one of those super questions.","start":2054.015,"end":2056.655,"sentiment":"neutral","sentiment_score":-0.13594897091388702},{"text":"What kind of return do you expect to achieve on your investments and superannuation over the longer term?","start":2056.655,"end":2061.75,"sentiment":"neutral","sentiment_score":0.2454036350051562}],"sentiment":"neutral","sentiment_score":0.08673212362919003,"num_words":32,"start":2052.095,"end":2061.75},{"sentences":[{"text":"More one, more than 8%?","start":2062.05,"end":2063.83,"sentiment":"neutral","sentiment_score":0.15181297361850737},{"text":"Two, sixty eight percent?","start":2064.3699,"end":2065.57,"sentiment":"neutral","sentiment_score":0.09905390255153179},{"text":"Three, sixty four?","start":2065.57,"end":2066.45,"sentiment":"neutral","sentiment_score":0.056256383657455444},{"text":"Four to 6%?","start":2066.45,"end":2067.49,"sentiment":"neutral","sentiment_score":0.042678518841663994},{"text":"Or four two to 4%?","start":2067.49,"end":2069.3499,"sentiment":"neutral","sentiment_score":0.04652058929204941}],"sentiment":"neutral","sentiment_score":0.08423440661281348,"num_words":20,"start":2062.05,"end":2069.3499},{"sentences":[{"text":"I'm assuming the most.","start":2069.65,"end":2070.8499,"sentiment":"neutral","sentiment_score":0.13680141605436802},{"text":"Right?","start":2070.8499,"end":2071.3499,"sentiment":"neutral","sentiment_score":0.14252403378486633},{"text":"Yep.","start":2074.325,"end":2074.7249,"sentiment":"positive","sentiment_score":0.3485815227031708},{"text":"Perfect.","start":2074.7249,"end":2075.2249,"sentiment":"positive","sentiment_score":0.6590322256088257},{"text":"And so last couple of questions.","start":2075.285,"end":2078.185,"sentiment":"neutral","sentiment_score":0.10502228699624538}],"sentiment":"neutral","sentiment_score":0.17903670525321594,"num_words":13,"start":2069.65,"end":2078.185},{"sentences":[{"text":"Have you ever thought about taking out a loan to invest?","start":2078.2449,"end":2081.305,"sentiment":"neutral","sentiment_score":0.005556177686561237},{"text":"One, you have borrowed or open to borrowing for stocks and funds, if it's appropriate.","start":2081.525,"end":2086.345,"sentiment":"neutral","sentiment_score":-0.002820200597246488},{"text":"Two, you have borrowed or open to borrowing for investment properties.","start":2087.3,"end":2091.14,"sentiment":"neutral","sentiment_score":-0.014734472063454714},{"text":"Or three, you would only bought borrow for investment property.","start":2091.14,"end":2094.9,"sentiment":"neutral","sentiment_score":-0.03405779860913753},{"text":"Or four, you're never gonna borrow.","start":2094.9,"end":2096.36,"sentiment":"neutral","sentiment_score":-0.05347458831965923}],"sentiment":"neutral","sentiment_score":-0.015182825719129364,"num_words":53,"start":2078.2449,"end":2096.36},{"sentences":[{"text":"But not shares, like a margin loan?","start":2103.755,"end":2105.755,"sentiment":"neutral","sentiment_score":-0.10337107841457639},{"text":"Or Beautiful.","start":2105.755,"end":2110.9749,"sentiment":"neutral","sentiment_score":0.12575281411409378},{"text":"Okay.","start":2112.075,"end":2112.4749,"sentiment":"neutral","sentiment_score":0.14382511377334595},{"text":"And based on the way that you just answered that previous question, how would you how would taking on lunch investment shares may keep in?","start":2112.4749,"end":2120.01,"sentiment":"neutral","sentiment_score":0.037631459161639215},{"text":"Would you say that you're comfortable borrowing from investments, aware of the risks?","start":2120.55,"end":2125.13,"sentiment":"neutral","sentiment_score":-0.06692503306728143}],"sentiment":"neutral","sentiment_score":-0.00536470328612874,"num_words":48,"start":2103.755,"end":2125.13},{"sentences":[{"text":"Would you say that you're you're somewhat comfortable but you're cautious?","start":2125.43,"end":2128.65,"sentiment":"neutral","sentiment_score":-0.0887098718773235},{"text":"Would you say that you're careful with borrowing and understand this the risk involved?","start":2129.055,"end":2133.075,"sentiment":"neutral","sentiment_score":-0.14673270923750742},{"text":"Would you say that you're hesitant to borrow weary of the high risks involved, or would you say you'll never borrow?","start":2133.375,"end":2138.515,"sentiment":"neutral","sentiment_score":-0.1538187034782909},{"text":"Gotcha.","start":2147.82,"end":2148.32,"sentiment":"neutral","sentiment_score":-0.08297345042228699},{"text":"Alright.","start":2148.9402,"end":2149.4402,"sentiment":"neutral","sentiment_score":0.13252714276313782}],"sentiment":"neutral","sentiment_score":-0.12938970001414418,"num_words":48,"start":2125.43,"end":2149.4402},{"sentences":[{"text":"So you are a you're essentially drum roll, please.","start":2150.1401,"end":2154.3,"sentiment":"neutral","sentiment_score":0.19574392504162258},{"text":"I'm just adding it all up.","start":2154.3,"end":2155.9202,"sentiment":"neutral","sentiment_score":0.29732031126817066},{"text":"And that's the best investment capacity moving up or down one investment.","start":2156.235,"end":2160.495,"sentiment":"neutral","sentiment_score":0.25873686000704765},{"text":"Risk profile, we call it.","start":2161.3552,"end":2163.0352,"sentiment":"neutral","sentiment_score":0.012388751655817033},{"text":"Because when it comes to risk, there's there's four ingredients.","start":2163.0352,"end":2166.895,"sentiment":"neutral","sentiment_score":-0.00029118722304701824}],"sentiment":"neutral","sentiment_score":0.159749795217067,"num_words":42,"start":2150.1401,"end":2166.895},{"sentences":[{"text":"You know, Macbeth's, like, the the three riches in the melt melting pot.","start":2167.915,"end":2171.6152,"sentiment":"neutral","sentiment_score":0.048588548572017595},{"text":"So the the, you know, bubble bubble gargle and trouble.","start":2172.06,"end":2174.7,"sentiment":"neutral","sentiment_score":0.00828365609049797},{"text":"I have mutual last stuff.","start":2174.7,"end":2175.82,"sentiment":"neutral","sentiment_score":0.03726025223731995},{"text":"I don't know how, not my reference system I had just been, but this works.","start":2175.82,"end":2179.2,"sentiment":"neutral","sentiment_score":0.014887070469558238},{"text":"So there's four ingredients in the pot, which is your time horizon, your risk profile, which is what works now now, your risk capacity, and your risk tolerance.","start":2179.6602,"end":2190.8352,"sentiment":"neutral","sentiment_score":0.10424315330705472}],"sentiment":"neutral","sentiment_score":0.05694230004462977,"num_words":71,"start":2167.915,"end":2190.8352},{"sentences":[{"text":"And all four of them kinda work together.","start":2191.135,"end":2193.155,"sentiment":"neutral","sentiment_score":0.21497593075037003},{"text":"So the way that I've just you've just asked those questions and just been speaking to you recently, You your natural courses comes in there, sir.","start":2193.375,"end":2201.9,"sentiment":"neutral","sentiment_score":0.12043496479208653},{"text":"I wouldn't say you're kind of pedals to the middle for a fee for a long time guy.","start":2201.9,"end":2205.4602,"sentiment":"neutral","sentiment_score":-0.04433930266855492},{"text":"Right?","start":2205.4602,"end":2205.9602,"sentiment":"neutral","sentiment_score":0.007962332107126713},{"text":"Perfect.","start":2208.26,"end":2208.58,"sentiment":"positive","sentiment_score":0.39627254009246826}],"sentiment":"neutral","sentiment_score":0.08254155471782994,"num_words":54,"start":2191.135,"end":2208.58},{"sentences":[{"text":"So you have come out as a a 35.","start":2208.58,"end":2216.835,"sentiment":"neutral","sentiment_score":0.19871101445621914},{"text":"And what that makes you is towards the more defensive end of a growth investor.","start":2216.835,"end":2221.335,"sentiment":"neutral","sentiment_score":0.13150124897559484},{"text":"So a growth investor is usually a time horizon of about six to eight years because that means the asset allocation of the of the percentage differences between growth and the sort of assets, which are international and domestic shares and things like infrastructure, gold, commodities, stuff like that.","start":2223.315,"end":2242.5251,"sentiment":"neutral","sentiment_score":0.06783846811372407},{"text":"But then you've got the rest the other portion of percentage of your portfolio and defense, like fixed interest, cash, some of the other commodities, those kind of things like bonds, bills, that stuff, Fed reserve and just cash.","start":2243.5452,"end":2259.34,"sentiment":"neutral","sentiment_score":0.06090249531926253},{"text":"So looking at the way you answer those questions, I think a growth is actually appropriate for you because it accommodates for about what that means is about 70 to 80% invested into shares.","start":2259.6401,"end":2272.835,"sentiment":"neutral","sentiment_score":0.20607193931937218}],"sentiment":"neutral","sentiment_score":0.1127852469631662,"num_words":146,"start":2208.58,"end":2272.835},{"sentences":[{"text":"To give you an idea, defensive portfolio is, like, 55, 45.","start":2272.975,"end":2276.735,"sentiment":"neutral","sentiment_score":0.09894536571069197},{"text":"So 55% invested into the market and 45% invested into defensive assets.","start":2276.735,"end":2281.475,"sentiment":"neutral","sentiment_score":0.11779493031402428},{"text":"That's about, like, that's that's a defensive balanced portfolio.","start":2281.615,"end":2285.99,"sentiment":"neutral","sentiment_score":0.1537156320280499},{"text":"Because when you see the balance, you know, if you're looking at your superannuation, it says my super balance for something, that's a growth portfolio.","start":2286.45,"end":2293.01,"sentiment":"neutral","sentiment_score":0.09199348539113998},{"text":"It's invested 75% to the market.","start":2293.01,"end":2295.35,"sentiment":"neutral","sentiment_score":0.11225636055072148}],"sentiment":"neutral","sentiment_score":0.10886911385589176,"num_words":63,"start":2272.975,"end":2295.35},{"sentences":[{"text":"So I don't wanna change you too much from what you're really doing.","start":2296.77,"end":2299.83,"sentiment":"neutral","sentiment_score":-0.1643726140833818},{"text":"And the sole reason if if we if we did weren't talking if we weren't including time horizon, I'd be looking at something like a balance growth portfolio.","start":2300.805,"end":2311.385,"sentiment":"neutral","sentiment_score":0.03887553576246968},{"text":"So one risk profile lower.","start":2311.445,"end":2313.065,"sentiment":"neutral","sentiment_score":-0.03958556354045868},{"text":"But because you're looking at only some investment superannuation with the time horizon of, you know, twenty, twenty three years, I'll be comfortable leaving you at the growth environment.","start":2314.0898,"end":2324.0898,"sentiment":"neutral","sentiment_score":0.07850751396397064},{"text":"So you're gonna look at something about 80% investment in the market, 20% effective assets.","start":2324.0898,"end":2329.3098,"sentiment":"neutral","sentiment_score":0.12158730079730352}],"sentiment":"neutral","sentiment_score":0.03171411797197329,"num_words":90,"start":2296.77,"end":2329.3098},{"sentences":[{"text":"Would you does that make sense?","start":2329.545,"end":2330.825,"sentiment":"neutral","sentiment_score":0.13555321469902992},{"text":"Would you be comfortable with that all?","start":2330.825,"end":2337.885,"sentiment":"neutral","sentiment_score":0.08884432326470103},{"text":"Okay.","start":2344.95,"end":2345.45,"sentiment":"neutral","sentiment_score":-0.04363495111465454},{"text":"Have you have you ever are you in front of a computer right now?","start":2347.51,"end":2351.05,"sentiment":"neutral","sentiment_score":-0.03684827405959368},{"text":"You are.","start":2351.91,"end":2352.47,"sentiment":"neutral","sentiment_score":0.003503648564219475}],"sentiment":"neutral","sentiment_score":0.029424202007551987,"num_words":30,"start":2329.545,"end":2352.47},{"sentences":[{"text":"Yep.","start":2352.47,"end":2352.8699,"sentiment":"neutral","sentiment_score":0.0853622704744339},{"text":"Go give me a favor and I'll explain this to you because I really wanna make sure that we get this right.","start":2352.8699,"end":2357.27,"sentiment":"neutral","sentiment_score":0.15064383027228442},{"text":"Because more often than not, you know, when clients come to me and they say, you know, I lost all this money during this this downturn.","start":2357.27,"end":2366.075,"sentiment":"neutral","sentiment_score":-0.14577692546523535},{"text":"Now what I had a $100.","start":2366.535,"end":2368.535,"sentiment":"neutral","sentiment_score":-0.11227876941363017},{"text":"Now I've been getting $8.","start":2368.535,"end":2369.7349,"sentiment":"neutral","sentiment_score":-0.07540020793676376}],"sentiment":"neutral","sentiment_score":-0.02402245302995046,"num_words":60,"start":2352.47,"end":2369.7349},{"sentences":[{"text":"How do I make my $20,000 back as soon as possible?","start":2369.7349,"end":2372.7148,"sentiment":"neutral","sentiment_score":-0.030560779300603},{"text":"My answer is not always the answer they wanna hear.","start":2373.11,"end":2375.83,"sentiment":"negative","sentiment_score":-0.3678071767091751},{"text":"Because when I give them the solution, I give them another question.","start":2375.83,"end":2379.19,"sentiment":"neutral","sentiment_score":-0.27422985807061195},{"text":"And the question is, well, why were you taking that much risk in the first place?","start":2379.19,"end":2382.3901,"sentiment":"neutral","sentiment_score":-0.31846520490944386},{"text":"You obviously won't invest.","start":2382.3901,"end":2383.59,"sentiment":"negative","sentiment_score":-0.33877670019865036}],"sentiment":"neutral","sentiment_score":-0.2595386550111591,"num_words":53,"start":2369.7349,"end":2383.59},{"sentences":[{"text":"Right?","start":2383.59,"end":2384.09,"sentiment":"neutral","sentiment_score":-0.1674397587776184},{"text":"So so go to a new Google page and just type in the the actual search on that Google search, like the actual ad, like, website area.","start":2384.6301,"end":2392.625,"sentiment":"neutral","sentiment_score":-0.052643292066123754},{"text":"Type in andex, so andex,.com.au.","start":2392.9248,"end":2397.025,"sentiment":"neutral","sentiment_score":-0.02773643285036087},{"text":"You'll see a big chart.","start":2399.325,"end":2400.6848,"sentiment":"neutral","sentiment_score":0.039626984298229216},{"text":"Click on that chart.","start":2400.6848,"end":2401.825,"sentiment":"neutral","sentiment_score":0.028603880666196346}],"sentiment":"neutral","sentiment_score":-0.033689056301400774,"num_words":42,"start":2383.59,"end":2401.825},{"sentences":[{"text":"Yeah.","start":2407.26,"end":2407.5,"sentiment":"neutral","sentiment_score":0.03527173399925232},{"text":"I make sure I press that.","start":2407.5,"end":2408.88,"sentiment":"neutral","sentiment_score":0.0313315245633324},{"text":"And then click on that when you click on the chart, then you add them to goes on to the next page to purchase it.","start":2411.0198,"end":2416.14,"sentiment":"neutral","sentiment_score":0.06042446151375771},{"text":"Just go into the magnifying glass on the actual chart on the left hand side.","start":2416.14,"end":2420.2651,"sentiment":"neutral","sentiment_score":0.06327434306343396},{"text":"So okay.","start":2422.0051,"end":2422.405,"sentiment":"neutral","sentiment_score":0.1543186753988266}],"sentiment":"neutral","sentiment_score":0.06105356971372147,"num_words":49,"start":2407.26,"end":2422.405},{"sentences":[{"text":"So you're looking at the big colorful, very comprehensive chart.","start":2422.405,"end":2426.0051,"sentiment":"neutral","sentiment_score":0.22333261817693711},{"text":"Right?","start":2426.0051,"end":2426.5051,"sentiment":"neutral","sentiment_score":0.06631787866353989},{"text":"So on the far left hand side is $19.50.","start":2428.405,"end":2432.825,"sentiment":"neutral","sentiment_score":0.1466880531774627},{"text":"Far right hand side is 2025 end of twenty twenty five.","start":2433.08,"end":2436.6,"sentiment":"neutral","sentiment_score":0.10825547575950623},{"text":"Right?","start":2436.6,"end":2437.1,"sentiment":"neutral","sentiment_score":0.19409580528736117}],"sentiment":"neutral","sentiment_score":0.15639820555225015,"num_words":32,"start":2422.405,"end":2437.1},{"sentences":[{"text":"So this is the growth of a 100 with no acquisition cost, no taxes, and all income or dividends reinvested back into that asset.","start":2438.52,"end":2447.08,"sentiment":"positive","sentiment_score":0.4200212011734645},{"text":"Right?","start":2447.08,"end":2447.58,"sentiment":"neutral","sentiment_score":0.17036351561546326},{"text":"That blue line, remember $100.","start":2447.985,"end":2450.245,"sentiment":"neutral","sentiment_score":0.0676031120121479},{"text":"The dark blue line is essentially all Australian shares.","start":2450.625,"end":2454.8652,"sentiment":"neutral","sentiment_score":0.027336345571610663},{"text":"That's the Australian all of those index.","start":2454.8652,"end":2457.445,"sentiment":"neutral","sentiment_score":0.051620954115475924}],"sentiment":"neutral","sentiment_score":0.24339699332156908,"num_words":46,"start":2438.52,"end":2457.445},{"sentences":[{"text":"And it's been a bumpy ride you know, that the first major drop was industrial kind of drop, which was mid seventies.","start":2458.465,"end":2465.94,"sentiment":"neutral","sentiment_score":-0.3268593542955138},{"text":"Then the next very sharp drop was Wolf of Wall Street, Jordan Belfort's first day of trading.","start":2466.56,"end":2472.4,"sentiment":"neutral","sentiment_score":-0.27079254432636146},{"text":"It's when no.","start":2472.4,"end":2474.225,"sentiment":"neutral","sentiment_score":-0.26590417325496674},{"text":"They call it Black Black Friday.","start":2474.225,"end":2475.7651,"sentiment":"neutral","sentiment_score":-0.2673766364653905},{"text":"The next one a little bit closer to home is twenty two thousand seven to February.","start":2477.825,"end":2482.485,"sentiment":"neutral","sentiment_score":-0.044025960145518184}],"sentiment":"neutral","sentiment_score":-0.23282448045210913,"num_words":64,"start":2458.465,"end":2482.485},{"sentences":[{"text":"So you see that drop up?","start":2483.105,"end":2484.645,"sentiment":"neutral","sentiment_score":-0.024087688264747456},{"text":"That drop from top to bottom was 61 63%.","start":2484.705,"end":2488.245,"sentiment":"neutral","sentiment_score":0.01355073849360148},{"text":"So that year and a half is 63%.","start":2490.24,"end":2492.8,"sentiment":"neutral","sentiment_score":0.1435286235064268},{"text":"I'm gonna go back to that as an example.","start":2492.8,"end":2494.48,"sentiment":"neutral","sentiment_score":0.065772561977307},{"text":"So if you've if you had a $100, you invested a $100 into a 100% Australian index fund, you in a year and a half, if you do so, would essentially be left with even with reinvesting as it falls, I was talking to you, you would be left with essentially $37,000.","start":2494.48,"end":2513.5051,"sentiment":"neutral","sentiment_score":-0.0005431876589472478}],"sentiment":"neutral","sentiment_score":0.020111509576617254,"num_words":84,"start":2483.105,"end":2513.5051},{"sentences":[{"text":"But if you kept your pool, right, and you just left it in there, currently investing, it would have taken approximately almost six years.","start":2513.5051,"end":2522.28,"sentiment":"neutral","sentiment_score":-0.05143559739614526},{"text":"So one, two, let me see if I remember this right.","start":2522.28,"end":2525.48,"sentiment":"neutral","sentiment_score":-0.019590827721086414},{"text":"One, two, three, four, five.","start":2525.48,"end":2527.24,"sentiment":"neutral","sentiment_score":-0.0017451385036110878},{"text":"Yeah.","start":2527.24,"end":2527.6401,"sentiment":"neutral","sentiment_score":-0.027429264038801193},{"text":"Not five, five and a half, six years.","start":2527.6401,"end":2529.58,"sentiment":"neutral","sentiment_score":-0.11472959071397781}],"sentiment":"neutral","sentiment_score":-0.04906010458587992,"num_words":49,"start":2513.5051,"end":2529.58},{"sentences":[{"text":"I believe it was 05/2004.","start":2529.875,"end":2531.4949,"sentiment":"neutral","sentiment_score":-0.03637947291135788},{"text":"Just for memory.","start":2531.635,"end":2532.515,"sentiment":"neutral","sentiment_score":-0.048770549396673836},{"text":"Yeah.","start":2532.515,"end":2532.755,"sentiment":"neutral","sentiment_score":-0.04533538594841957},{"text":"05/2004, not five years or four months, but five point four years, it would have taken after the top of the market down through GFC and all the way to top again.","start":2532.755,"end":2540.515,"sentiment":"neutral","sentiment_score":-0.15830957610160112},{"text":"If you just held huddled, then you wouldn't have a $100,000 back.","start":2540.515,"end":2544.63,"sentiment":"neutral","sentiment_score":-0.25547975798447925}],"sentiment":"neutral","sentiment_score":-0.16047562131623053,"num_words":53,"start":2529.875,"end":2544.63},{"sentences":[{"text":"So that that's five that's the most aggressive asset outside view of equity you can invest in.","start":2544.63,"end":2549.59,"sentiment":"neutral","sentiment_score":0.2557154902640511},{"text":"Right?","start":2549.59,"end":2550.09,"sentiment":"neutral","sentiment_score":0.21835729479789737},{"text":"So when we talk about time horizon, that after the largest financial collapse in recent time, in the most aggressive assets, it wouldn't even take six years for you to make your money back.","start":2550.55,"end":2564.655,"sentiment":"neutral","sentiment_score":-0.17987873317564235},{"text":"It was really bad for me.","start":2564.655,"end":2566.115,"sentiment":"negative","sentiment_score":-0.5167473827799162},{"text":"So that gives you an idea.","start":2566.8152,"end":2568.2751,"sentiment":"neutral","sentiment_score":0.07048436502615611}],"sentiment":"neutral","sentiment_score":-0.06606147508136928,"num_words":64,"start":2544.63,"end":2568.2751},{"sentences":[{"text":"Yeah.","start":2569.8699,"end":2570.03,"sentiment":"neutral","sentiment_score":0.17207399010658264},{"text":"Correct.","start":2570.03,"end":2570.53,"sentiment":"neutral","sentiment_score":0.23009075224399567},{"text":"But essentially, a $100 over seventy five years would have a you'll end up with $362,654.","start":2570.59,"end":2579.39,"sentiment":"neutral","sentiment_score":0.21648520976305008},{"text":"That's CPI 2.5% as well.","start":2579.39,"end":2581.89,"sentiment":"neutral","sentiment_score":0.25396592915058136},{"text":"So if you go to the light blue line, less volatility because you're taking 30% of entered assets, that's a balance for 40 m c.","start":2583.9849,"end":2591.765,"sentiment":"neutral","sentiment_score":0.19389649510383605}],"sentiment":"neutral","sentiment_score":0.20798271087308726,"num_words":48,"start":2569.8699,"end":2591.765},{"sentences":[{"text":"70 30 split.","start":2592.465,"end":2593.845,"sentiment":"neutral","sentiment_score":0.04069844260811806},{"text":"We want you to take a little bit more than that.","start":2594.065,"end":2595.825,"sentiment":"neutral","sentiment_score":0.09835922379385341},{"text":"I'm gonna I'm I'm just by you saying taking more risk, maybe even $85.15.","start":2595.825,"end":2600.23,"sentiment":"neutral","sentiment_score":0.05810801312327385},{"text":"And then just yeah.","start":2601.01,"end":2601.97,"sentiment":"neutral","sentiment_score":0.028737840708345175},{"text":"Take a long period.","start":2601.97,"end":2602.69,"sentiment":"neutral","sentiment_score":0.010624967515468597}],"sentiment":"neutral","sentiment_score":0.06041695017160641,"num_words":36,"start":2592.465,"end":2602.69},{"sentences":[{"text":"So I wanna get you somewhere in between that top, the light, blue one.","start":2602.69,"end":2606.8699,"sentiment":"neutral","sentiment_score":0.12474457706723895},{"text":"But then, obviously, as you get close to retirement, '54, '55, we start really raining back the risk every year.","start":2607.3298,"end":2614.305,"sentiment":"neutral","sentiment_score":-0.12422252902761102},{"text":"So that's kind of so that you can be somewhere close to the green green line.","start":2614.545,"end":2618.785,"sentiment":"neutral","sentiment_score":0.016341038863174617},{"text":"Obviously, not as far as they've been the last couple years because bonds have been terrible.","start":2618.785,"end":2623.9849,"sentiment":"neutral","sentiment_score":-0.24111643387004733},{"text":"They have a a bearable bond bearable bonds.","start":2623.9849,"end":2627.4448,"sentiment":"neutral","sentiment_score":-0.16677283868193626}],"sentiment":"neutral","sentiment_score":-0.0766029125834639,"num_words":74,"start":2602.69,"end":2627.4448},{"sentences":[{"text":"But, yeah, the green line's bonds.","start":2628.05,"end":2630.05,"sentiment":"neutral","sentiment_score":0.07212853183348973},{"text":"And then you got cash.","start":2630.05,"end":2631.05,"sentiment":"neutral","sentiment_score":0.06327741742134094},{"text":"It just shows you the growth factor.","start":2631.05,"end":2632.6099,"sentiment":"neutral","sentiment_score":0.09560202381440572},{"text":"But that gives you an idea of time versus risk because since you have to if you wanna calculate it on a on a variation, a covariance matrix, like a standard deviation perspective, mathematical stuff, you can literally work out that time.","start":2632.6099,"end":2647.8052,"sentiment":"neutral","sentiment_score":0.11655146398005031},{"text":"It's literally equal to a ratio of 1.01 to rest after eleven point eight years.","start":2647.8052,"end":2654.145,"sentiment":"neutral","sentiment_score":0.11746845245361329}],"sentiment":"neutral","sentiment_score":0.10767414291699727,"num_words":75,"start":2628.05,"end":2654.145},{"sentences":[{"text":"So it's one to one.","start":2655.15,"end":2656.8298,"sentiment":"neutral","sentiment_score":0.28109925985336304},{"text":"You won't lose.","start":2656.8298,"end":2657.5498,"sentiment":"neutral","sentiment_score":0.19821399388213953},{"text":"Are you you got a zero you got a 0.0001 then chance of losing in any financial market up here for almost twelve years.","start":2657.5498,"end":2665.97,"sentiment":"neutral","sentiment_score":-0.08093000343069434},{"text":"As an index.","start":2669.705,"end":2670.685,"sentiment":"positive","sentiment_score":0.4039233128229777},{"text":"Correct.","start":2671.705,"end":2672.205,"sentiment":"neutral","sentiment_score":0.18444406986236572}],"sentiment":"neutral","sentiment_score":0.04038978352521857,"num_words":36,"start":2655.15,"end":2672.205},{"sentences":[{"text":"But we so that gives you an idea.","start":2672.345,"end":2674.745,"sentiment":"neutral","sentiment_score":0.07169482670724392},{"text":"And, I mean, you can look at any point in time.","start":2674.745,"end":2676.345,"sentiment":"neutral","sentiment_score":0.04144594445824623},{"text":"You show me anytime on ten years that most aggressive assets have gone down, then it hasn't seem to be good.","start":2676.345,"end":2682.2651,"sentiment":"neutral","sentiment_score":-0.02572470291384629},{"text":"Alright.","start":2682.2651,"end":2682.585,"sentiment":"neutral","sentiment_score":0.09632019698619844},{"text":"So that gives you an idea.","start":2682.585,"end":2684.01,"sentiment":"neutral","sentiment_score":0.0802420936524868}],"sentiment":"neutral","sentiment_score":0.02270251064700015,"num_words":47,"start":2672.345,"end":2684.01},{"sentences":[{"text":"Anyway, I would I'm gonna I'm gonna bump you up a bit.","start":2684.49,"end":2687.53,"sentiment":"neutral","sentiment_score":0.08069155892978112},{"text":"I'm gonna say the same growth environment, but not $80.20.","start":2687.53,"end":2690.49,"sentiment":"neutral","sentiment_score":0.06611853875219822},{"text":"I'm gonna go $85.15 if you're comfortable with that.","start":2690.49,"end":2693.6301,"sentiment":"neutral","sentiment_score":0.10427578538656235},{"text":"So in between that flight room, drive through a line.","start":2693.69,"end":2696.51,"sentiment":"neutral","sentiment_score":0.03511280026286841},{"text":"With the input that we wanna try and get about, you know, 10 and a half, 11% every year, what it is.","start":2697.825,"end":2703.685,"sentiment":"neutral","sentiment_score":0.06366837041621859}],"sentiment":"neutral","sentiment_score":0.06856822722133189,"num_words":63,"start":2684.49,"end":2703.685},{"sentences":[{"text":"Beautiful.","start":2706.545,"end":2707.045,"sentiment":"positive","sentiment_score":0.5534142255783081},{"text":"So I'm in that that in growth.","start":2707.505,"end":2709.125,"sentiment":"neutral","sentiment_score":0.3322628012725285},{"text":"Alright.","start":2709.265,"end":2709.665,"sentiment":"neutral","sentiment_score":0.23373284935951233},{"text":"Well, look, that's pretty much everything I wanted to go through with you in this call.","start":2709.665,"end":2712.99,"sentiment":"neutral","sentiment_score":0.2187001034617424},{"text":"So thank you so much for your time, mate.","start":2712.99,"end":2714.83,"sentiment":"positive","sentiment_score":0.5247302287154727}],"sentiment":"positive","sentiment_score":0.33337530581390157,"num_words":34,"start":2706.545,"end":2714.83},{"sentences":[{"text":"Thanks for reaching out.","start":2714.83,"end":2715.79,"sentiment":"positive","sentiment_score":0.5063067898154259},{"text":"It's always a pleasure to speak to your clients.","start":2715.79,"end":2717.89,"sentiment":"positive","sentiment_score":0.4484509627024333},{"text":"Beautiful.","start":2721.47,"end":2721.97,"sentiment":"positive","sentiment_score":0.45489931106567383},{"text":"Well, no.","start":2722.11,"end":2722.83,"sentiment":"neutral","sentiment_score":0.09223859012126923},{"text":"Thank you just yet.","start":2722.83,"end":2723.6301,"sentiment":"neutral","sentiment_score":0.1258118823170662}],"sentiment":"positive","sentiment_score":0.360195492208004,"num_words":20,"start":2714.83,"end":2723.6301},{"sentences":[{"text":"So we'll see if we can get you in a better position first.","start":2723.6301,"end":2725.97,"sentiment":"neutral","sentiment_score":0.1516043721483304},{"text":"I'm I'm gonna send I'm gonna send you out an email.","start":2727.165,"end":2729.745,"sentiment":"neutral","sentiment_score":0.04800165072083473},{"text":"Probably, I've got another appointment.","start":2730.445,"end":2731.8052,"sentiment":"neutral","sentiment_score":0.013205130398273469},{"text":"So either by the end of business today or or Monday never sleeps.","start":2731.8052,"end":2735.245,"sentiment":"neutral","sentiment_score":0.025368736770290595},{"text":"So probably knowing me, it'll be 11:00 at night.","start":2735.245,"end":2737.905,"sentiment":"neutral","sentiment_score":0.03072985654903783}],"sentiment":"neutral","sentiment_score":0.06218162617262672,"num_words":51,"start":2723.6301,"end":2737.905},{"sentences":[{"text":"I'll send you an email.","start":2739.8901,"end":2741.09,"sentiment":"neutral","sentiment_score":0.13644738793373107},{"text":"I was just asking for a few bits and pieces.","start":2741.09,"end":2743.1902,"sentiment":"neutral","sentiment_score":0.05554958544671536},{"text":"And look outside of that.","start":2744.45,"end":2745.97,"sentiment":"neutral","sentiment_score":0.03122343309223652},{"text":"When's the best time for me to give you a callback?","start":2745.97,"end":2747.97,"sentiment":"neutral","sentiment_score":0.05715236812829971},{"text":"I'm looking at two weeks booked up.","start":2747.97,"end":2750.3901,"sentiment":"neutral","sentiment_score":0.04141961197767939}],"sentiment":"neutral","sentiment_score":0.06085429718031695,"num_words":38,"start":2739.8901,"end":2750.3901},{"sentences":[{"text":"Maybe Wednesday the second, Or would you say Monday the thirty first?","start":2750.61,"end":2757.705,"sentiment":"neutral","sentiment_score":0.03367282349305848},{"text":"Yep.","start":2761.845,"end":2762.345,"sentiment":"neutral","sentiment_score":0.2193112075328827},{"text":"I've got a space at 2PM and another time at midday.","start":2762.405,"end":2767.145,"sentiment":"neutral","sentiment_score":0.1397904482754794},{"text":"Which is you guys?","start":2769.02,"end":2770.16,"sentiment":"neutral","sentiment_score":0.11103265732526779},{"text":"Midday.","start":2774.14,"end":2774.64,"sentiment":"neutral","sentiment_score":0.1754932850599289}],"sentiment":"neutral","sentiment_score":0.09588634258071924,"num_words":29,"start":2750.61,"end":2774.64},{"sentences":[{"text":"Beautiful.","start":2774.78,"end":2775.28,"sentiment":"positive","sentiment_score":0.712721586227417},{"text":"New and New South Wales.","start":2776.3,"end":2777.3398,"sentiment":"positive","sentiment_score":0.5422682642936707},{"text":"There there won't be, like, time saving gaps in between now and then.","start":2777.3398,"end":2781.02,"sentiment":"neutral","sentiment_score":0.14413790519420916},{"text":"Right?","start":2781.02,"end":2781.52,"sentiment":"neutral","sentiment_score":0.07466491311788559},{"text":"I get that because I'm horrible at that time they think of.","start":2784.825,"end":2789.165,"sentiment":"neutral","sentiment_score":-0.20338249516983828}],"sentiment":"neutral","sentiment_score":0.09162283269688487,"num_words":32,"start":2774.78,"end":2789.165},{"sentences":[{"text":"So alright.","start":2789.785,"end":2790.265,"sentiment":"neutral","sentiment_score":-0.03913971222937107},{"text":"Well, if I don't call you, I'm pretty diligent.","start":2790.265,"end":2792.185,"sentiment":"neutral","sentiment_score":-0.09186508589320713},{"text":"I'm pretty punctual.","start":2792.185,"end":2793.005,"sentiment":"neutral","sentiment_score":0.029938103010257084},{"text":"So if I don't call you at that time, it's probably because it has time has changed.","start":2793.625,"end":2797.645,"sentiment":"neutral","sentiment_score":-0.15534592222641497},{"text":"But I'll call you an hour later.","start":2797.95,"end":2800.29,"sentiment":"neutral","sentiment_score":-0.011150963537927185}],"sentiment":"neutral","sentiment_score":-0.09300495555477314,"num_words":38,"start":2789.785,"end":2800.29},{"sentences":[{"text":"Alright?","start":2800.3499,"end":2800.8499,"sentiment":"neutral","sentiment_score":0.031584132462739944},{"text":"Beautiful.","start":2803.63,"end":2804.13,"sentiment":"positive","sentiment_score":0.6255000829696655},{"text":"I'll send you a Calvary invite as well, but if you need anything in which one is just give me a call and I'll do the same.","start":2804.5898,"end":2810.67,"sentiment":"neutral","sentiment_score":0.23907776728824334},{"text":"Alright?","start":2810.67,"end":2811.17,"sentiment":"neutral","sentiment_score":0.2265343964099884},{"text":"Okay, Simon.","start":2814.2769,"end":2815.077,"sentiment":"positive","sentiment_score":0.4258591830730438}],"sentiment":"neutral","sentiment_score":0.25595114671159536,"num_words":32,"start":2800.3499,"end":2815.077},{"sentences":[{"text":"See you.","start":2815.077,"end":2815.317,"sentiment":"positive","sentiment_score":0.39855386316776276},{"text":"Bye.","start":2815.317,"end":2815.817,"sentiment":"neutral","sentiment_score":0.30117398500442505}],"sentiment":"positive","sentiment_score":0.3660939037799835,"num_words":3,"start":2815.077,"end":2815.817}]}}]},{"alternatives":[{"transcript":"Hello, Savvy. I lost you. Yeah. I don't know. I don't know what was happening. Anyway. Yeah. Yeah. I know. Yeah. I know. Yeah. Mhmm. Mhmm. Yep. Mhmm. Yeah. Sure. Yeah. Yeah. Yeah. Yeah. Yeah. That's important. Sure. Yep. Mhmm. Yep. Mhmm. Mhmm. Yeah. Yeah. True. Mhmm. Yep. Yep. Cool. Yep. Yep. Okay. Mhmm. Yes. Mhmm. Yep. Yeah. For sure. Mhmm. Mhmm. Yeah. No worries. Yeah. For sure. Mhmm. Yep. Mhmm. Yeah. Yeah. Yep. Yeah. Yeah. Okay. Mhmm. Mhmm. Yeah. It's pretty good. Yep. Mhmm. Okay. Mhmm. Yep. Yep. No. We don't. Yep. Yeah. Yeah. Yes. Mhmm. Mhmm. Yeah. Okay. Yep. Mhmm. Yeah. Yep. Yeah. For sure. Cool. Yep. Yep. Will do. Yep. Mhmm. Yep. Okay. So yep. Beautiful. Yep. Perfect. Mhmm. Okay. Yeah. Yep. Yep. No. Mhmm. Yes. Mhmm. Okay. Mhmm. No. Perfect. Okay. Lovely. Yep. Mhmm. Yeah. It's fine. Mhmm. Yep. Yes. Mhmm. Mhmm. No. Mhmm. Yep. Yeah. No. They wouldn't. Yep. Yep. Uh-huh. Yep. Yeah. Exactly. Mhmm. Mhmm. Yeah. Right. Mhmm. Yep. Cool. Yes. Yeah. Good. Mhmm. Yep. Mhmm. Mhmm. Mhmm. Okay. Yep. No. It's quite it's it's funny if you're on Lithuania because the friend I was hanging out with this morning, he just got back from Lithuania. And he is he is the yeah. Yeah. He's that's his he's got a lot of family over there, so he went over and visited. And grandfather had, like, a art gallery over there or something. He's telling me how much he loved it. But yeah. Well, there you go. This is the waiting room again. Yeah. Maybe. Yeah. Yeah. Yeah. I know. Sure. Mhmm. Yep. Mhmm. Yep. Okay. Mhmm. Mhmm. Yep. Mhmm. Yes. Mhmm. Yeah. Right. Mhmm. No. That's all that's all fairly straightforward. Barely. Yep. Mhmm. Yep. Yep. Yep. Mhmm. Yeah. Sure. Mhmm. Yep. Yeah. Okay. Mhmm. Mhmm. Mhmm. Mhmm. Yeah. Yeah. Okay. Yep. Mhmm. Yeah. Yeah. Yeah. Yeah. Yeah. Mhmm. Mhmm. Yeah. Yep. Yeah. Okay. Perfect. Mhmm. Mhmm. Mhmm. Yep. Mhmm. Yep. Mhmm. Mhmm. Mhmm. Mhmm. Yeah. Okay. That's good. Mhmm. Mhmm. Yep. Yeah. Yeah. I think so. I think that's a good start. Yep. Mhmm. Yeah. Yeah. Okay. Yeah. Thanks. Yeah. No. I'm happy with that. Mhmm. Yeah. Yeah. Mhmm. Mhmm. Yeah. For sure. No. That's true. Yep. Mhmm. Yes. Yeah. Mhmm. Yeah. Okay. We're all in it together. Going down at the same ship. Yep. Mhmm. Yep. Yeah. True. Mhmm. Yeah. It does. Yep. All good. Mhmm. Yeah. Cool. Alright. No. That's all pretty straightforward as well. I'll talk to my wife about it too. She's not very doesn't like to engage in all these in this topic very much. I think it just goes over ahead a little bit at this stage, but hopefully, she'll come around to it. And yeah. And maybe we can both join it together, but let's wait and see. Yeah. 100 percent. Yep. Perfect. Mhmm. Yes. Yep. Yep. Mhmm. Wouldn't be very happy. Yeah. It's pretty good. Mhmm. Okay. Yes. Yep. Yeah. Yep. Okay. Yep. Mhmm. Yeah. Right. Yep. Okay. No. I don't. No. That's all pretty quick. Sure. Mhmm. Yeah. Yes. No worries. Perfect. Yeah. Sounds good. Low risk taker. I would say I've got a fairly good grasp, but I am still learning. I wouldn't say very good. Yep. Yes. I'm more of a novice, yeah, I would say. I've I've definitely years ago when crypto was going off and everyone was talking about it, I invested And I made money initially, but the ones that I've held on to have definitely lost a lot of money as well. Yeah. Yeah. Yeah. They've the boss fell off. But I haven't told them yet, so it's like, oh, well, you know, it might get back up. But I'm completely out of that sort of thinking of investing in crypto. I'm I'm hoping that. No. Mhmm. Yes. Yep. Yep. I think I was still pretty anxious up to 25. I'd probably hold. I think I would hold. Yep. Mhmm. Yeah. Yeah. The most. I'm certainly open to borrowing from a bank for investment properties. Yeah. And no. I haven't I've I'm yet to ever consider that. At this stage, I'd say hesitant. I would be I'd much prefer just using the money that I have rather than borrowing to invest in shares. Yep. Yep. Yep. Mhmm. Yep. No. No. No. Yep. Yep. Mhmm. Yep. Yeah. Yeah. Yes. Mhmm. Yeah. Yeah. Okay. Mhmm. Yeah. It makes sense. And, yeah, I'm comfortable with that. I'm sort of I feel like I I'm more willing to take a risk on super than, you know, other things that affect me in the immediate term, which is for better or worse. But yeah. I am. Yep. Yep. Yep. May I have a sec? Yep. I have I have I've got the chart. Yep. Yep. Yep. Yes. Mhmm. Mhmm. Yep. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Wow. Yep. Yep. Yeah. Yeah. Yep. Yeah. Yeah. It's interesting to look at it that way. Yeah. Yep. Yep. Mhmm. Yes. Mhmm. Yep. Yep. Yes. Yep. Yeah. Wow. That's nice and loud. Yeah. Yep. Yeah. Yep. Yeah. Yep. Yep. Yep. For sure. No. Thank you. No. Thank you very much. It was very useful. Yep. Yeah. Yeah. Yeah. That's cool. That's cool. Yep. I think Wednesday second would be ideal. Let's let's let's go for midday. Yep. No. I don't think so. I think that's in October. Yep. It's confusing. That I'd say. Yep. Yep. Yeah. Yeah. No worries. Alright. Yep. Perfect. Thank you so much, Debbie. I really appreciate it. See you. 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Savvy. I lost you. Yeah. I don't know. I don't know what was happening.\n\nAnyway. Yeah. Yeah. I know. Yeah.\n\nI know. Yeah. Mhmm. Mhmm. Yep.\n\nMhmm. Yeah. Sure. Yeah. Yeah.\n\nYeah. Yeah. Yeah. That's important. Sure.\n\nYep. Mhmm. Yep. Mhmm. Mhmm.\n\nYeah. Yeah. True. Mhmm. Yep.\n\nYep. Cool. Yep. Yep. Okay.\n\nMhmm. Yes. Mhmm. Yep. Yeah.\n\nFor sure. Mhmm. Mhmm. Yeah. No worries.\n\nYeah. For sure. Mhmm. Yep. Mhmm.\n\nYeah. Yeah. Yep. Yeah. Yeah.\n\nOkay. Mhmm. Mhmm. Yeah. It's pretty good.\n\nYep. Mhmm. Okay. Mhmm. Yep.\n\nYep. No. We don't. Yep. Yeah.\n\nYeah. Yes. Mhmm. Mhmm. Yeah.\n\nOkay. Yep. Mhmm. Yeah. Yep.\n\nYeah. For sure. Cool. Yep. Yep.\n\nWill do. Yep. Mhmm. Yep. Okay.\n\nSo yep. Beautiful. Yep. Perfect. Mhmm.\n\nOkay. Yeah. Yep. Yep. No.\n\nMhmm. Yes. Mhmm. Okay. Mhmm.\n\nNo. Perfect. Okay. Lovely. Yep.\n\nMhmm. Yeah. It's fine. Mhmm. Yep.\n\nYes. Mhmm. Mhmm. No. Mhmm.\n\nYep. Yeah. No. They wouldn't. Yep.\n\nYep. Uh-huh. Yep. Yeah. Exactly.\n\nMhmm. Mhmm. Yeah. Right. Mhmm.\n\nYep. Cool. Yes. Yeah. Good.\n\nMhmm. Yep. Mhmm. Mhmm. Mhmm.\n\nOkay. Yep. No. It's quite it's it's funny if you're on Lithuania because the friend I was hanging out with this morning, he just got back from Lithuania. And he is he is the yeah.\n\nYeah. He's that's his he's got a lot of family over there, so he went over and visited. And grandfather had, like, a art gallery over there or something. He's telling me how much he loved it. But yeah.\n\nWell, there you go. This is the waiting room again. Yeah. Maybe. Yeah.\n\nYeah. Yeah. I know. Sure. Mhmm.\n\nYep. Mhmm. Yep. Okay. Mhmm.\n\nMhmm. Yep. Mhmm. Yes. Mhmm.\n\nYeah. Right. Mhmm. No. That's all that's all fairly straightforward.\n\nBarely. Yep. Mhmm. Yep. Yep.\n\nYep. Mhmm. Yeah. Sure. Mhmm.\n\nYep. Yeah. Okay. Mhmm. Mhmm.\n\nMhmm. Mhmm. Yeah. Yeah. Okay.\n\nYep. Mhmm. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Mhmm. Mhmm. Yeah.\n\nYep. Yeah. Okay. Perfect. Mhmm.\n\nMhmm. Mhmm. Yep. Mhmm. Yep.\n\nMhmm. Mhmm. Mhmm. Mhmm. Yeah.\n\nOkay. That's good. Mhmm. Mhmm. Yep.\n\nYeah. Yeah. I think so. I think that's a good start. Yep.\n\nMhmm. Yeah. Yeah. Okay. Yeah.\n\nThanks. Yeah. No. I'm happy with that. Mhmm.\n\nYeah. Yeah. Mhmm. Mhmm. Yeah.\n\nFor sure. No. That's true. Yep. Mhmm.\n\nYes. Yeah. Mhmm. Yeah. Okay.\n\nWe're all in it together. Going down at the same ship. Yep. Mhmm. Yep.\n\nYeah. True. Mhmm. Yeah. It does.\n\nYep. All good. Mhmm. Yeah. Cool.\n\nAlright. No. That's all pretty straightforward as well. I'll talk to my wife about it too. She's not very doesn't like to engage in all these in this topic very much.\n\nI think it just goes over ahead a little bit at this stage, but hopefully, she'll come around to it. And yeah. And maybe we can both join it together, but let's wait and see. Yeah. 100 percent.\n\nYep. Perfect. Mhmm. Yes. Yep.\n\nYep. Mhmm. Wouldn't be very happy. Yeah. It's pretty good.\n\nMhmm. Okay. Yes. Yep. Yeah.\n\nYep. Okay. Yep. Mhmm. Yeah.\n\nRight. Yep. Okay. No. I don't.\n\nNo. That's all pretty quick. Sure. Mhmm. Yeah.\n\nYes. No worries. Perfect. Yeah. Sounds good.\n\nLow risk taker. I would say I've got a fairly good grasp, but I am still learning. I wouldn't say very good. Yep. Yes.\n\nI'm more of a novice, yeah, I would say. I've I've definitely years ago when crypto was going off and everyone was talking about it, I invested And I made money initially, but the ones that I've held on to have definitely lost a lot of money as well. Yeah. Yeah. Yeah.\n\nThey've the boss fell off. But I haven't told them yet, so it's like, oh, well, you know, it might get back up. But I'm completely out of that sort of thinking of investing in crypto. I'm I'm hoping that. No.\n\nMhmm. Yes. Yep. Yep. I think I was still pretty anxious up to 25.\n\nI'd probably hold. I think I would hold. Yep. Mhmm. Yeah.\n\nYeah. The most. I'm certainly open to borrowing from a bank for investment properties. Yeah. And no.\n\nI haven't I've I'm yet to ever consider that. At this stage, I'd say hesitant. I would be I'd much prefer just using the money that I have rather than borrowing to invest in shares. Yep. Yep.\n\nYep. Mhmm. Yep. No. No.\n\nNo. Yep. Yep. Mhmm. Yep.\n\nYeah. Yeah. Yes. Mhmm. Yeah.\n\nYeah. Okay. Mhmm. Yeah. It makes sense.\n\nAnd, yeah, I'm comfortable with that. I'm sort of I feel like I I'm more willing to take a risk on super than, you know, other things that affect me in the immediate term, which is for better or worse. But yeah. I am. Yep.\n\nYep. Yep. May I have a sec? Yep. I have I have I've got the chart.\n\nYep. Yep. Yep. Yes. Mhmm.\n\nMhmm. Yep. Yep. Yep. Yeah.\n\nYeah. Yeah. Yeah. Wow. Yep.\n\nYep. Yeah. Yeah. Yep. Yeah.\n\nYeah. It's interesting to look at it that way. Yeah. Yep. Yep.\n\nMhmm. Yes. Mhmm. Yep. Yep.\n\nYes. Yep. Yeah. Wow. That's nice and loud.\n\nYeah. Yep. Yeah. Yep. Yeah.\n\nYep. Yep. Yep. For sure. No.\n\nThank you. No. Thank you very much. It was very useful. Yep.\n\nYeah. Yeah. Yeah. That's cool. That's cool.\n\nYep. I think Wednesday second would be ideal. Let's let's let's go for midday. Yep. No.\n\nI don't think so. I think that's in October. Yep. It's confusing. That I'd say.\n\nYep. Yep. Yeah. Yeah. No worries.\n\nAlright. Yep. Perfect. Thank you so much, Debbie. I really appreciate it.\n\nSee you. 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cool.","start":2738.895,"end":2739.635,"sentiment":"neutral","sentiment_score":0.2783442586660385}],"sentiment":"neutral","sentiment_score":0.16657360004527227,"num_words":7,"start":2726.495,"end":2739.635},{"sentences":[{"text":"Yep.","start":2747.1301,"end":2747.6301,"sentiment":"neutral","sentiment_score":0.07345367968082428},{"text":"I think Wednesday second would be ideal.","start":2758.4648,"end":2760.645,"sentiment":"positive","sentiment_score":0.47742703131267},{"text":"Let's let's let's go for midday.","start":2769.9849,"end":2773.42,"sentiment":"neutral","sentiment_score":0.1275483841697375},{"text":"Yep.","start":2781.48,"end":2781.8,"sentiment":"neutral","sentiment_score":0.015009639784693718},{"text":"No.","start":2781.8,"end":2782.04,"sentiment":"neutral","sentiment_score":-0.13464045524597168}],"sentiment":"neutral","sentiment_score":0.25381889927666634,"num_words":16,"start":2747.1301,"end":2782.04},{"sentences":[{"text":"I don't think so.","start":2782.04,"end":2782.92,"sentiment":"neutral","sentiment_score":-0.15308092162013054},{"text":"I think that's in October.","start":2782.92,"end":2784.22,"sentiment":"neutral","sentiment_score":-0.07336504012346268},{"text":"Yep.","start":2784.68,"end":2785.18,"sentiment":"neutral","sentiment_score":-0.060951024293899536},{"text":"It's confusing.","start":2786.175,"end":2789.075,"sentiment":"neutral","sentiment_score":-0.2160758674144745},{"text":"That I'd say.","start":2790.095,"end":2790.995,"sentiment":"neutral","sentiment_score":-0.06015155464410782}],"sentiment":"neutral","sentiment_score":-0.11018042067686716,"num_words":15,"start":2782.04,"end":2790.995},{"sentences":[{"text":"Yep.","start":2793.695,"end":2794.195,"sentiment":"neutral","sentiment_score":-0.003489932743832469},{"text":"Yep.","start":2798.095,"end":2798.595,"sentiment":"neutral","sentiment_score":-0.0176074281334877},{"text":"Yeah.","start":2801.5198,"end":2801.7598,"sentiment":"neutral","sentiment_score":0.05230545997619629},{"text":"Yeah.","start":2801.7598,"end":2802.0,"sentiment":"neutral","sentiment_score":0.0924161821603775},{"text":"No worries.","start":2802.0,"end":2802.66,"sentiment":"neutral","sentiment_score":0.19518136978149414}],"sentiment":"neutral","sentiment_score":0.08566450347037365,"num_words":6,"start":2793.695,"end":2802.66},{"sentences":[{"text":"Alright.","start":2803.92,"end":2804.42,"sentiment":"positive","sentiment_score":0.35676974058151245},{"text":"Yep.","start":2807.5999,"end":2808.0999,"sentiment":"neutral","sentiment_score":0.08597966283559799},{"text":"Perfect.","start":2811.6267,"end":2812.107,"sentiment":"positive","sentiment_score":0.7954691648483276},{"text":"Thank you so much, Debbie.","start":2812.107,"end":2812.9468,"sentiment":"positive","sentiment_score":0.8626793622970581},{"text":"I really appreciate it.","start":2812.9468,"end":2814.1267,"sentiment":"positive","sentiment_score":0.8535724133253098}],"sentiment":"positive","sentiment_score":0.7471587527543306,"num_words":12,"start":2803.92,"end":2814.1267},{"sentences":[{"text":"See you.","start":2816.1868,"end":2816.5068,"sentiment":"neutral","sentiment_score":0.2907778322696686},{"text":"Bye.","start":2816.5068,"end":2817.0068,"sentiment":"neutral","sentiment_score":-0.08072958886623383}],"sentiment":"neutral","sentiment_score":0.16694202522436777,"num_words":3,"start":2816.1868,"end":2817.0068}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello, Savvy. I lost you.\n\nChannel 0: Yeah. Yeah. They they went silent and they went they hung up on me. I'm not boring you already.\n\nChannel 1: Yeah. I don't know. I don't know what was happening. Anyway.\n\nChannel 0: Yeah. Hey, Roger. So yeah. So we we it's those insurances. If if something goes wrong, do you wanna make sure that you're covered for the rest of\n\nChannel 1: Yeah.\n\nChannel 0: your time? Like, there's insurances there. There's these weird things you pay all this money for and the best outcome is nothing happens. Right? Like,\n\nChannel 1: Yeah.\n\nChannel 0: if if\n\nChannel 1: I\n\nChannel 0: nothing\n\nChannel 1: know.\n\nChannel 0: happens yeah. So they they it's but if nothing happens and you pay for coverage your entire life, then you don't get a refund of the premiums you pay. Right? So it's it's the worst financial decision you can have. No return on in debt.\n\nChannel 1: Yeah. I know. Yeah.\n\nChannel 0: But it's a necessary evil one. So therefore, with that said, you need it, especially\n\nChannel 1: Mhmm.\n\nChannel 0: if you take it on debt. So you need\n\nChannel 1: Mhmm.\n\nChannel 0: to make sure that that's covered. And but in saying that you wanna you need to make sure that's covered for enough. Right? You know, you wanna and we calculate that. We work out what your needs are based on future income needs and all that for debts and what\n\nChannel 1: Yep.\n\nChannel 0: to pay out. So,\n\nChannel 1: Mhmm.\n\nChannel 0: yeah, it's it's really important to assess that as well because\n\nChannel 1: Yeah.\n\nChannel 0: if you're over if you're over insured, it's just as bad as being underinsured.\n\nChannel 1: Sure.\n\nChannel 0: And it's\n\nChannel 1: Yeah.\n\nChannel 0: I mean, yeah, if you're over insured, you're paying too much money for premiums or cover you don't need. And if\n\nChannel 1: Yeah.\n\nChannel 0: you're under insured, you're paying all these premiums that cover that doesn't suit your needs. So what's the point in paying for that at all? Alright.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: So\n\nChannel 1: That's important. Sure.\n\nChannel 0: yeah. So we can definitely calculate that, and I'll give a recommendation. Struct our infrastructure didn't find that super because we're looking at super anyway.\n\nChannel 1: Yep.\n\nChannel 0: So that works in the background. Obviously, your accounting taxation, just getting the accountant is probably the best best kind of area in that because especially with your kind of wage. Right?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Now after that, what we do is I like to call these perfect foundations. You know, once you got the roots in place, you wanna get the trunk of the tree. And if this trunk is steady and strong, like, think about four pillars made\n\nChannel 1: Mhmm.\n\nChannel 0: out of bricks and mortar, if you would,\n\nChannel 1: Mhmm.\n\nChannel 0: They are essentially creating a relationship with your money, very very important, so cash flow and budgeting. Then getting some sort of non a nondeductible appreciating asset. Usually, first time's been a couple of first time final price for residents is a good one because there's no capital gains tax on it.\n\nChannel 1: Yeah.\n\nChannel 0: That's that's what we're looking at. So you we're looking at kind of, like, the setting up at at the moment, setting up the roots in the trunk or the mono.\n\nChannel 1: Yeah. True.\n\nChannel 0: Right? But so then you also want debt reduction in? You said bad debt, credit cards, personal loans, stuff that you can't deduct, car loans. We wanna try and get rid of it as soon as possible.\n\nChannel 1: Mhmm.\n\nChannel 0: And then that you know, what what happens to your state if something does go wrong and you get all this insurance one? What do we do? So the state plan has been one of those foundations as well. That's that's your will, power of attorney, stuff like that.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Okay? So the one that's that's the boring part. That's the that's the starting stages that we wanna set up because the next one's the sexy part. Do you want? So\n\nChannel 1: Cool.\n\nChannel 0: that's that's yeah. That's the branching out space. So think about diversifying, getting different avenues of the the of appreciating assets that are not only appreciating in value, but they're also deductible. You can bring in yield, things like commercial factories, commercial properties, shared\n\nChannel 1: Yep.\n\nChannel 0: portfolios. The majority of that is essentially creating equity in your primary place residence so that you can leverage and buy more assets because you\n\nChannel 1: Yep.\n\nChannel 0: don't have to\n\nChannel 1: Okay.\n\nChannel 0: crystallize on it. Right?\n\nChannel 1: Mhmm.\n\nChannel 0: And this is where what I mean by, like, through remember when I said about LDR loans evaluation. It's really important.\n\nChannel 1: Yes.\n\nChannel 0: And we assess that risk along the way as well. So pretty long term, you and I are gonna be working together for a while and, you know,\n\nChannel 1: Mhmm.\n\nChannel 0: we're just I guess, we're just fortunate to kinda, you know, be seen with myself because I don't have that many clients anymore being in my position. But\n\nChannel 1: Yep.\n\nChannel 0: I like to get I like to get on on the blow sometimes and see if I still got it. You know?\n\nChannel 1: Yeah. For sure.\n\nChannel 0: It's gonna be a long term relationship. So if you don't, if for\n\nChannel 1: Mhmm.\n\nChannel 0: some reason you don't like me or you don't think that's likely, you don't trust me or you don't can't work with me or whatever it might be, just be\n\nChannel 1: Mhmm.\n\nChannel 0: honest, be open about it because we can get somebody else deal with it or, you know, it's it's it's\n\nChannel 1: Yeah.\n\nChannel 0: really\n\nChannel 1: No\n\nChannel 0: important\n\nChannel 1: worries.\n\nChannel 0: that you have a good relationship with your partner. Alright?\n\nChannel 1: Yeah. For sure.\n\nChannel 0: Beautiful. So part of that branching out, Paige, is is looking at essentially OPM,\n\nChannel 1: Mhmm.\n\nChannel 0: other people's money. Okay? And this is like a good example of this is just, let's say, you got $10,000, numbers like this. Right? So $10,000, you put it in an investment, shares, property, whatever it is, that grows by 10% in a year.\n\nYou made a thousand dollars in that year. Congratulations. Alright? But then you pay tax on it. However, if you take that this number's sake, but if you take that same $10,000 and you go to an institution like a bank or investment bank or whatever it might be, private equities, and you get $90,000.\n\nAnd they those two said, alright. I'll give you $90,000, but you owe me 5% interest rate every year. Right?\n\nChannel 1: Yep.\n\nChannel 0: Then you go, not a problem. That's $4,500 that you owe that person or the or the facility of having $90. Right? But now you got a 100\n\nChannel 1: Mhmm.\n\nChannel 0: thousand dollars, 90,000 plus 10,000. So if you invest that 10 that a 100,000 now in the exact same investment that makes the exact same 10% in that exact same year, you've made 10,000. You owe\n\nChannel 1: Yeah.\n\nChannel 0: the guy that gave you the facility 4,500 5% or $90. You pay in the 4,500. You're left with $5,500. Right? Just face\n\nChannel 1: Yeah.\n\nChannel 0: value. So that\n\nChannel 1: Yep.\n\nChannel 0: means you just 55 time you're 55% 55 times your your return.\n\nChannel 1: Yeah.\n\nChannel 0: Essentially,\n\nChannel 1: Yeah.\n\nChannel 0: from\n\nChannel 1: Okay.\n\nChannel 0: a thousand to five times, so it's a 55% return on investment to\n\nChannel 1: Mhmm.\n\nChannel 0: your investment, 12 to 10.\n\nChannel 1: Mhmm.\n\nChannel 0: And that's\n\nChannel 1: Yeah. It's\n\nChannel 0: theory.\n\nChannel 1: pretty\n\nChannel 0: That's\n\nChannel 1: good.\n\nChannel 0: the leveraging. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: There's risk involved. You got margin maintenance. You also got margin loans, things like that, margin calls. You know,\n\nChannel 1: Mhmm.\n\nChannel 0: when that happened, but you can a lot of people don't realize is that when a margin calls when a margin being called by a facility, you can top that margin up with the maintenance level. You can add towards it and then you can keep the investment if you believe it's gonna continue going up.\n\nChannel 1: Okay.\n\nChannel 0: So there's lots of positive, but that gives you a little bit of a reload on of what that is. And let's just say we do that usually about ten, fifteen years. You just diversify. You build up your overall asset portfolio, then\n\nChannel 1: Mhmm.\n\nChannel 0: you can retire. If you hang your boots up, you're 55 years old, let's say, and you're really comfortable. You say, look, I'm bad enough. That's that's I don't wanna work anymore. I've got nothing come coming from my investment.\n\nJust for $5,000 a week. Right?\n\nChannel 1: Yep. Yep.\n\nChannel 0: So let then you hang up your boots. So what happens then to be able to essentially retire is you you need to sell something and move stuff around and change ownership and the trust structure and things like that. What happens when that happens is you get a liability of capital gains tax. We don't like taxes like we said\n\nChannel 1: No.\n\nChannel 0: before.\n\nChannel 1: We don't.\n\nChannel 0: Because if you ask me, it sounds like you've taken all the risk on post tax dollars to be able to get yourself into that position in the first place. And now when Chris\n\nChannel 1: Yep.\n\nChannel 0: learns, you gotta pay more tax. That\n\nChannel 1: Yeah.\n\nChannel 0: sounds\n\nChannel 1: Yeah.\n\nChannel 0: a little sounds a little bit unfair to me. But\n\nChannel 1: Yes.\n\nChannel 0: that's why we need. So what we do is we we look at ways to mitigate that liability, which is TTR\n\nChannel 1: Mhmm.\n\nChannel 0: structures like transition to retirement strategies, the super. You can really stop the tax man between the ages 60 and 65. I like to call it the Goldilocks zone because you can just write everything off. But\n\nChannel 1: Mhmm.\n\nChannel 0: if\n\nChannel 1: Yeah.\n\nChannel 0: it's before that, you can distribute proceeds by through trust structures, supplementary funds in it, with Social Security strategies a little bit down the track as well. So that is\n\nChannel 1: Okay.\n\nChannel 0: that that's more of the really kinda complex areas to try and mitigate liabilities in the most legal way possible. Obviously,\n\nChannel 1: Yep.\n\nChannel 0: everything that is legal. And then after you do that, you get to the seeding stage. So your children and then get into generational wealth can grow.\n\nChannel 1: Mhmm.\n\nChannel 0: And then the process starts again with them, hopefully with hope. And, yeah, the they started the seating level and, you know, essentially, once they start sprouting on the ground, they'll still have to throughout their life financial lives. They're gonna have to face the, you know, the storms, the hail, the shine, the winds, the rains, floods.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: But at least they got a really big canopy over hanging over them to to assist them and give them a better opportunity of growth. Right?\n\nChannel 1: Yeah. For sure. Cool.\n\nChannel 0: So that's kind of a a few cycle, if you would.\n\nChannel 1: Yep.\n\nChannel 0: To give you an idea, so let's set up those roots in trunk and well, but firstly, the roots because it'll be cheaper for you from a fee perspective. And I'll walk you through that in a second. But the next couple pages just need our experienced team. Our story is a, you know, low down of why who we are, why we started, where we were. And that's myself, picture myself, my business partner.\n\nThe next page is myself being a little blurred about how awesome I am. Feel free to read it in your own time. Yeah.\n\nChannel 1: Yep. Will do.\n\nChannel 0: And there's all the degrees and to see the the the my authorized representative number on the asset. I'll show you that in a little bit as well.\n\nChannel 1: Yep.\n\nChannel 0: But then there's a little load bubble that are kinda senior team of our in our firm, we've got a team of about 43 employees. So, you know, just to give you depth of company, you can call up. And if I'm not\n\nChannel 1: Mhmm.\n\nChannel 0: available in a meeting or away or something,\n\nChannel 1: Yep.\n\nChannel 0: there'll always be someone there to help you. Alright?\n\nChannel 1: Okay. So yep. Beautiful.\n\nChannel 0: Beautiful. Right at the bottom so yeah. Like I said, if you any of these documents, if you're struggling to sleep some night, then just have a flick through this so I'll knock you out pretty quick. But\n\nChannel 1: Yep.\n\nChannel 0: green\n\nChannel 1: Perfect.\n\nChannel 0: green green OVA section down at the bottom is well, a little thing that Greg's called OPA Australia, and\n\nChannel 1: Mhmm.\n\nChannel 0: it's a product collaboration of expertise. So I'm not a mortgage broker. I'm not an accountant. I'm actually qualified to do everything accountant does, but I'm not registered under the tax practitioners board because I can't think of anything worse than doing tax returns and being in the accountants. So I was\n\nChannel 1: Okay. Yeah.\n\nChannel 0: kinda\n\nChannel 1: Yep.\n\nChannel 0: like, you know, so then there's no left to be perfectly then.\n\nChannel 1: Yep. No.\n\nChannel 0: So for that reason, we I I've kind of teamed up with people, and I've been more individuals and firms that I've been working with forever. You use\n\nChannel 1: Mhmm.\n\nChannel 0: them personally. We don't get any referral fees between us. None of that nonsense. So I prefer somebody else over someone else because they give me a bigger fee.\n\nChannel 1: Yes.\n\nChannel 0: If these are just so QCA is our commercial accounts and they look after our other stuff. Yeah. Gold Coast Wealth and Books, the mortgage broker. We got Finance\n\nChannel 1: Mhmm.\n\nChannel 0: Industry Australia. They do commercial and and and and personal lending for, like, marginal and things like that. KJ and\n\nChannel 1: Okay.\n\nChannel 0: associate lawyers, and then some of the more accounts. And we also got CJN, which are another set of lawyers. So just so you're aware, if you need any other services across special scope, those are the guys we work with.\n\nChannel 1: Mhmm.\n\nChannel 0: Okay?\n\nChannel 1: No. Perfect. Okay.\n\nChannel 0: Beautiful.\n\nChannel 1: Lovely.\n\nChannel 0: Now going to the boring stuff for compliance, the next attachment in that email I sent you\n\nChannel 1: Yep.\n\nChannel 0: is the financial services guide for compliance purposes. I do need to go through these.\n\nChannel 1: Mhmm. Yeah. It's fine.\n\nChannel 0: So we'll go through step by step, one, two, and three.\n\nChannel 1: Mhmm.\n\nChannel 0: Hold on. I just lost my email. I'm gonna open up the same documents again.\n\nChannel 1: Yep.\n\nChannel 0: Go. Financial services guide. Okay. Okay. So on the front page, are you looking at that picture again, the gold ghost?\n\nChannel 1: Yes.\n\nChannel 0: Okay. So this is the financial services guide. Financial services guide is a legal document that essentially outlines all all of our services, what we're licensed to give advice in, who we authorize under, and it's got all of our license numbers and everything else along our entire scope. Alright? So\n\nChannel 1: Mhmm.\n\nChannel 0: we as a of the financial\n\nChannel 1: Mhmm.\n\nChannel 0: we we are one of the few boutique firms that actually have been awarded their own Australian financial services license. Do you know what that\n\nChannel 1: No.\n\nChannel 0: means? Okay. So most boutique financial planning firms, they work with as what's called a corporate authorized representative of somebody else that's on there itself. So most\n\nChannel 1: Mhmm.\n\nChannel 0: of those people are like the big banks. But, again, going back onto our everything we do is based on that vision of being the most trusted financial planning firm in Australia.\n\nChannel 1: Yep.\n\nChannel 0: If I was licensed under a Commonwealth Bank and you were looking at superannuation, I don't think Commonwealth Bank is my principal, my licensee, would like it very much if I thought that I would recommend BTG products, which are Westpac. Right?\n\nChannel 1: Yeah. No. They wouldn't.\n\nChannel 0: Correct. So that means that I'm limited to the scope of pretty much only what's on the APL or a call approved product list is limited to whatever products they they created. Right? Because\n\nChannel 1: Yep.\n\nChannel 0: it means\n\nChannel 1: Yep.\n\nChannel 0: more money for them. But that's\n\nChannel 1: Uh-huh.\n\nChannel 0: not looking after your best interest as a client. Looking after my principal's best interest as a\n\nChannel 1: Yep.\n\nChannel 0: for sale.\n\nChannel 1: Yeah. Exactly.\n\nChannel 0: Right? So that\n\nChannel 1: Mhmm.\n\nChannel 0: so that's a big conflict for me. I don't I don't believe that product makers should be able to be product providers and advise them what products to buy. Think there's too\n\nChannel 1: Mhmm.\n\nChannel 0: much of a bias in conflict of interest there. So for that reason, and we we applied for our own AFSO. And ASIC declined us because we're waiting. I usually get an AFSO up for, like, ten, twenty years of being in solid business. Right?\n\nThey and I think by now, like, the second youngest firm to have a good one, something like that.\n\nChannel 1: Yeah.\n\nChannel 0: But,\n\nChannel 1: Right.\n\nChannel 0: yeah, we we essentially got our own API as well, and that's 513068. What that means is there's\n\nChannel 1: Mhmm.\n\nChannel 0: no one above us telling us what to do other than us.\n\nChannel 1: Yep.\n\nChannel 0: Right?\n\nChannel 1: Cool.\n\nChannel 0: Which is it. So any advice I can give that just means that I can give any advice on any product around the world. It doesn't bother me. I can just add\n\nChannel 1: Yes.\n\nChannel 0: it. Like, it doesn't whatever is in your best interest, essentially. So\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: Good.\n\nChannel 0: goes on this a little bit more about the purpose of this financial services guide. I'm going to number two, who we are. Again, that's what\n\nChannel 1: Mhmm.\n\nChannel 0: I just explained. HP\n\nChannel 1: Yep.\n\nChannel 0: Financial, we run our own rate for self. We gotta put this in in a box as well under the corpse act, corporations act,\n\nChannel 1: Mhmm.\n\nChannel 0: a lack of independence. We aren't really\n\nChannel 1: Mhmm.\n\nChannel 0: allowed to say that we are independent, unbiased, or impartial because we\n\nChannel 1: Mhmm.\n\nChannel 0: have assets above us, and we also receive commissions from insurance providers. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: Now number four, going down services we provide, I I can give you advice on pretty much anything. I can tell you about shares in Lithuania that invest in Apple companies if you want. So I don't really care. I'll probably highly recommend against it. But, you know, I don't think Apple should grow that well or Lemons would grow that well in Lithuania.\n\nThanks for the hardiness.\n\nChannel 1: No.\n\nChannel 0: But,\n\nChannel 1: It's\n\nChannel 0: you\n\nChannel 1: quite\n\nChannel 0: know,\n\nChannel 1: it's it's funny if you're on Lithuania because the friend I was hanging out with this morning, he just got back from Lithuania. And he is he is the yeah. Yeah. He's that's his he's got a lot of family over there, so he went over and visited. And grandfather had, like, a art gallery over there or something.\n\nHe's telling me how much he loved it. But\n\nChannel 0: Well,\n\nChannel 1: yeah. Well, there you go. This is the waiting room\n\nChannel 0: maybe\n\nChannel 1: again.\n\nChannel 0: well, it's just as we have the flow of life turns our way. Right? Like when you law of attraction, maybe we're meant to talk. But\n\nChannel 1: Yeah. Maybe.\n\nChannel 0: maybe we'll we'll say that in another, say, twelve months when you put boys growing. Yeah. Yeah. Yeah. Because if the market's\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: full, then you wouldn't be happy. Right?\n\nChannel 1: Yeah. I know. Sure.\n\nChannel 0: So just to give you a breakdown of, you know, what advice you can give advice on, any government adventures, prepost, any stocks or bonds, life insurance, and life investments insurance, any basic or, you know, complex payments and deposit taking products, IDAs. We can\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: do any sort of retirement savings, any managed investment fees private and public, if not a few of them, Like, property trusts and non listed property trusts, private stuff like that. IDPS is signed to investor director portfolio services. So that's\n\nChannel 1: Mhmm.\n\nChannel 0: pretty much what I'm gonna be recommending for your 25 grands if you wanted me to. That's\n\nChannel 1: Yep.\n\nChannel 0: all I have, you know, rate and investment products, not anything under rated or unclassified. Any and all\n\nChannel 1: Okay.\n\nChannel 0: securities including foreign exchange, any and all retirement savings account products or account based pension, you know, endowment policies, things like that. Just\n\nChannel 1: Mhmm.\n\nChannel 0: renovation, which is including inclusive of self managed super funds, both partners and the specialist. What is hidden is, like, a hidden menu because you're my client, you'll have access to it, I guess,\n\nChannel 1: Mhmm.\n\nChannel 0: which is\n\nChannel 1: Yep.\n\nChannel 0: margin lending, which is,\n\nChannel 1: Mhmm.\n\nChannel 0: you know, it's not every adviser. If you have to be giving advice for a certain amount of time to be able to do that, I have been so, yeah, if you wanna do margin lending, so borrowing against the property to invest in shares, we can assist\n\nChannel 1: Yes.\n\nChannel 0: you with settlements. We can ask you around that as well. Okay? So pretty\n\nChannel 1: Mhmm.\n\nChannel 0: much anything we've got\n\nChannel 1: Yeah. Right.\n\nChannel 0: now, and I hope you have. So next question, Jim, questions about that? Or\n\nChannel 1: Mhmm. No. That's all that's all fairly straightforward. Barely.\n\nChannel 0: now on number five, this is just how we do an advice. So\n\nChannel 1: Yep.\n\nChannel 0: this confidential consultation is understanding what you're looking for.\n\nChannel 1: Mhmm.\n\nChannel 0: That's the initial client contact. We identify goals in which we have, and they'll do risk for a lot. From\n\nChannel 1: Yep.\n\nChannel 0: there, we got client advice presentations. So in another two weeks or so, we'll catch up again. I will\n\nChannel 1: Yep.\n\nChannel 0: walk you through a probably over Zoom or something for the base of the name. I walk you through what's called a statement of advice, which is\n\nChannel 1: Yep.\n\nChannel 0: legally binding document. And everything that we do to get financial advice, we have to do by way of statement of advice if it's personal.\n\nChannel 1: Mhmm.\n\nChannel 0: It just means there's all just down in the corporation's and all the rest of it, it just it just outlines everything in writing exactly what we're recommending for you and why. You've\n\nChannel 1: Yeah.\n\nChannel 0: got advantages,\n\nChannel 1: Sure.\n\nChannel 0: disadvantages of each strategy risks involved as well as as well as any alternatives we consider. And\n\nChannel 1: Mhmm.\n\nChannel 0: we'll show you all the numbers in that so that it protects you and protects us as well in case you say, well, you didn't say that. You know what I mean then. Or you say to Hassick because you got a complaint or something that you\n\nChannel 1: Yep.\n\nChannel 0: you say, I can say I didn't say that, but you say, well, you did because it was written right here. Right?\n\nChannel 1: Yeah. Okay.\n\nChannel 0: And\n\nChannel 1: Mhmm.\n\nChannel 0: then I'll so I'll represent that, and you can see the benefits of our service so we can get you in a better position looking for your goals and objectives. From there, you'll essentially give us what's called an ATP. So an authority to proceed,\n\nChannel 1: Mhmm.\n\nChannel 0: which is that client\n\nChannel 1: Mhmm.\n\nChannel 0: consent to proceed. From there, we start implementing advice and then we are not a setting for that kind of place. We have been doing this for almost a decade now, so we'd hope not.\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: And\n\nChannel 1: Yeah.\n\nChannel 0: so we keep you on track. So part of the long run service fee, which is a percentage I'll walk you through in a second, is is we we catch up and we give you a call or we give you an update every quarter.\n\nChannel 1: Okay.\n\nChannel 0: And every\n\nChannel 1: Yep.\n\nChannel 0: twelve months, we need to re re reassess your entire situation because, you know, if you buy a property and you've got us, like you said, maybe $700,000, $600,000 loan, your property, let's say, in a year's time, you're gonna go $550,000 worth of debt worth of debt, and your property is growing by a $100. That means you've opened up capacity or LDR of of about thirty nine months at a $150,000.\n\nChannel 1: Mhmm.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: then we'll have\n\nChannel 1: Yeah.\n\nChannel 0: to reassess your insurances. And every year\n\nChannel 1: Yeah.\n\nChannel 0: that you get older, the more\n\nChannel 1: Yeah.\n\nChannel 0: expensive insurance becomes because\n\nChannel 1: Yeah.\n\nChannel 0: you get more risky to insurance company. So\n\nChannel 1: Mhmm.\n\nChannel 0: the way we counteract that expense is we reduce the amount of the sum insured. But we\n\nChannel 1: Mhmm.\n\nChannel 0: need to again, we need to make sure that if we're looking at insurances, we need to make sure that it's enough.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: we and then eventually, you'll just have no debts and you'll be self insured because you can facilitate your own needs at the outcome. That's a nice outcome. Right?\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Okay.\n\nChannel 0: that and we adjust portfolios if need to. We do everything. That's part. We do the process again. Essentially, that's what your ongoing services.\n\nChannel 1: Perfect.\n\nChannel 0: Now onto the fees and the charges. So we are professional service. We do charge a professional\n\nChannel 1: Mhmm.\n\nChannel 0: service fee. And it depends on what you want to start working. So\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: each stage has a different fee structure along with that process. Right? So at the moment, we've understood that you are looking up or looking at superannuation insurances. So that's the roots. We\n\nChannel 1: Yep.\n\nChannel 0: will do you we will give you a complimentary statement of advice for that because it's a very\n\nChannel 1: Mhmm.\n\nChannel 0: big document just like a carpenter or, you know, a a a a a carpenter will build a desk. We build\n\nChannel 1: Yep.\n\nChannel 0: a statement of advice, same kind of thing, except it's just, you know, intellectual property instead of actual property.\n\nChannel 1: Mhmm.\n\nChannel 0: So for something like superannuation insurance recommendations to bring you on board as a client, that's that's complimentary until you, one, should proceed.\n\nChannel 1: Mhmm.\n\nChannel 0: At\n\nChannel 1: Mhmm.\n\nChannel 0: any stage, when you proceed and you give us that authority to proceed because you can see the benefit in it, we will charge out of say, if it's super, we'll charge out the assets under management. We'll charge $13,950.\n\nChannel 1: Mhmm.\n\nChannel 0: So that's that's on service fee, and we can charge that out of stupid. So it doesn't cost you anything out of your back pocket. It's also tax effective.\n\nChannel 1: Yeah. Okay. That's good.\n\nChannel 0: K? So now out of pocket cost for the root stage.\n\nChannel 1: Mhmm.\n\nChannel 0: And then, you know, at there's a bit so moving forward, say you wanna do a debt reduction strategy or cash on budgeting strategy. We're so we need you to we'll send you out a letter of engagement and I will charge you $1,650, inclusive GST, to get that plan started, which is also the roots and\n\nChannel 1: Mhmm.\n\nChannel 0: then branching out. If you wanna do something more complex because you've got all that sorted out, it's a $22,200 letter of engagement to get that plan started and same as for the retirement basis. Right? So calling\n\nChannel 1: Yep.\n\nChannel 0: it again, hanging up your boots. So I'm assuming you probably wanna go ahead with the root stage. Just get\n\nChannel 1: Yeah.\n\nChannel 0: this get a get a recommendation on the super insurance, charge everything out super, see how we go, and then we'll start moving on to, like, the shared portfolios and things like that.\n\nChannel 1: Yeah. I think so. I think that's\n\nChannel 0: Yeah.\n\nChannel 1: a good start.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: I don't think just by looking at your situation, breaking that initial kind of cash flow\n\nChannel 1: Mhmm.\n\nChannel 0: down, I don't think it's worth paying, you know, the $2,200 fee out of your back pocket to get to just get an extra portfolio recommendation on $25. Right? I\n\nChannel 1: Yeah.\n\nChannel 0: don't see\n\nChannel 1: Yeah.\n\nChannel 0: the value I don't see the value in that for you. So if you're\n\nChannel 1: Okay.\n\nChannel 0: happy with that\n\nChannel 1: Yeah.\n\nChannel 0: if\n\nChannel 1: Thanks.\n\nChannel 0: you're happy\n\nChannel 1: Yeah.\n\nChannel 0: with that,\n\nChannel 1: No.\n\nChannel 0: we\n\nChannel 1: I'm happy\n\nChannel 0: can\n\nChannel 1: with that.\n\nChannel 0: beautiful. Alright. So that's it. Now we do charge a ongoing service fee. If you go on to the next page, for an individual\n\nChannel 1: Mhmm.\n\nChannel 0: client like yourself, we charge a management fee by percentage. There's two ways you can charge us every year. One is what I call the loyal way, which is the way we don't charge because I don't know if you ever dealt with lawyers, but I do all the time for compliance purposes to make sure that we run compliantly. And every I've got people service. So every time that I send an email to you or every time you didn't wanna get in touch with me, you I will send you a big juicy invoice of my hourly rate even if it was five minutes of your time of my\n\nChannel 1: Yeah.\n\nChannel 0: time.\n\nChannel 1: Yeah.\n\nChannel 0: You know, I'll send you whatever you expect, every state, all the lights, bills, everything. So\n\nChannel 1: Mhmm.\n\nChannel 0: all that that and that that way of charging for us, it just goes directly\n\nChannel 1: Mhmm.\n\nChannel 0: against our vision of being trusted. Because in order to build trust and rapport with the client, we need to talk to each other.\n\nChannel 1: Yeah. For sure.\n\nChannel 0: But if you know you're gonna get a big juicy invoice every time you reach out and talk to me, you're not gonna wanna talk to me. So\n\nChannel 1: No. That's\n\nChannel 0: so for that for for that reason to be able to uphold that version of what we wanna achieve\n\nChannel 1: true. Yep.\n\nChannel 0: and reflect within the fees, we charge a percentage based out of the management of the assets we manage. So if it's just superannuation, we will charge a percentage based of that. One, it's tax effective again. Two, it doesn't come out of your back pocket. It's great.\n\nAnd three,\n\nChannel 1: Mhmm.\n\nChannel 0: it means that we have to make money for us to make money. And if you're\n\nChannel 1: Yes.\n\nChannel 0: gonna if you get the market goes down, we will we will make less money as\n\nChannel 1: Yeah.\n\nChannel 0: well as by you losing money. Right? So it's kind\n\nChannel 1: Mhmm.\n\nChannel 0: of like integrated in our relationship.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Does that make sense?\n\nChannel 1: We're all in it together.\n\nChannel 0: Yeah. That's right. Yeah. I know. So\n\nChannel 1: Going down at the\n\nChannel 0: that.\n\nChannel 1: same ship. Yep.\n\nChannel 0: Yep. Correct. Correct. So if you're looking at the annual fee, the percentage base is $0. 200,000 is 1.65% increase in GST.\n\nWhen you get over to when we make over $200,000 to 500,000, we try we drop the percentage base fee down to 1.375%, inclusive\n\nChannel 1: Mhmm.\n\nChannel 0: g all of this is inclusive of GST. But once we get you to 500,000 to a million, it goes to 1.1%. And 1,000,000 to $2,000,000, it goes to 0.825%. So\n\nChannel 1: Yep.\n\nChannel 0: it's it's it's incentivizes you to, one, bring on your partner, two, us to make more money, and three, you to make more money as well, most importantly, because you know that you get lower fee.\n\nChannel 1: Yeah. True.\n\nChannel 0: It's a tiered structure. So, like, once you get to that, you know, 1.65%, capped at 200,000 for 200,000, 500.015 at $3,300. So it will cap at $3,300, and then every dollar above that, you'll only be charged at 1.375¢.\n\nChannel 1: Mhmm.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yeah. It does. Yep. All good.\n\nChannel 0: Perfect. If your partner comes on board, then we reduce the 200 to 500,000 thousand the next step. We need one step away. So that both of you combined will be charged if you're not over a million, you'll be charged to $0.01 $5.05 and $7.0.825.\n\nChannel 1: Mhmm. Yeah. Cool.\n\nChannel 0: Do\n\nChannel 1: Alright.\n\nChannel 0: you have any questions about the fees?\n\nChannel 1: No. That's all pretty straightforward as well. I'll talk to my wife about it too. She's not very doesn't like to engage in all these in this topic very much. I think it just goes over ahead a little bit at this\n\nChannel 0: No. That's\n\nChannel 1: stage,\n\nChannel 0: okay.\n\nChannel 1: but hopefully, she'll come around to it. And yeah. And maybe we can both join it together, but let's\n\nChannel 0: Well,\n\nChannel 1: wait and\n\nChannel 0: either way, it's yeah. I mean, either way, it's gonna be yeah. If we if we look after your stuff, you see you\n\nChannel 1: see.\n\nChannel 0: see the benefit of the twelve months. It'll be a lot easier with numbers too and proof to be able to convince that. Right?\n\nChannel 1: Yeah.\n\nChannel 0: And that's\n\nChannel 1: 100\n\nChannel 0: why\n\nChannel 1: percent.\n\nChannel 0: we do that's why we do it this way because we're pretty confident in our services. We we like to believe we're pretty good at what we do.\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Right? Privacy and record keeping, we have to abide by all the law. Any sort of relationship or associations we have we don't take any\n\nChannel 1: Mhmm.\n\nChannel 0: referral fees from anybody. Too much that I this is too much of conflict of interest. It's like, we're here. It also feels like I'm soliciting my clients in a way. It's just I don't like it.\n\nChannel 1: Yes.\n\nChannel 0: We've got all insurances you could ever imagine. We because we're very large, we manage hundreds of millions of other people's money.\n\nChannel 1: Yep.\n\nChannel 0: We have to actually go and get the insurance, Lloyds Bank, London. I received so we got all of that. We got cybersecurity. We got everything.\n\nChannel 1: Yep.\n\nChannel 0: Last point that I wanna touch on is the complaint. So what happens if\n\nChannel 1: Mhmm.\n\nChannel 0: you give me your money and I I'm gonna run run away to The Bahamas and I'm drinking peanut coladas with your money? What do you do? Alright.\n\nChannel 1: Wouldn't be very happy.\n\nChannel 0: Correct. Okay. So there there's two ways to go about this. The first way please do this first because we're pretty recently people. We've only ever had three formal complaints with Apple.\n\nBut the second in a decade was pretty good. So\n\nChannel 1: Yeah. It's pretty good.\n\nChannel 0: so the first step is what we call an IDR, the internal dispute resolution. And that means you get in touch with the compliance manager or responsible manager of the ASL itself and\n\nChannel 1: Mhmm.\n\nChannel 0: speak to them about it. The responsible manager or RM of Oaktree Financial is me. But\n\nChannel 1: Okay.\n\nChannel 0: you're gonna be but you're gonna be pretty pissed at me, and I wouldn't probably wanna speak to you because I'm overseas in The Bahamas during the bidding collapse of your money. Right?\n\nChannel 1: Yes.\n\nChannel 0: So so for that reason, we've got two RNs of licensed individuals, which usually they're accompanied for protection, but I like to take I like to take responsibility for my actions upon their stuff. So so that's my business part and part.\n\nChannel 1: Yep.\n\nChannel 0: And that's why he is a he is a secondary RM on the license. So he would probably just speak to him. I said, hey. He said he's wrong way. My money ends.\n\nLike I said, it won't happen, but he will work with you to work it up. If,\n\nChannel 1: Yeah.\n\nChannel 0: for some reason, he tells you to get stopped because you can join me or whatever the reason, then you can always go to Secondly and second definitely, you remember Secondly because we paid for those complaints, which is annoying.\n\nChannel 1: Yep.\n\nChannel 0: But you go to ATCO, which is next EDR, next external dispute resolution, which is the Australian Financial Complaints Authority. Their phone number\n\nChannel 1: Okay.\n\nChannel 0: and website's there, and you'll be there.\n\nChannel 1: Yep.\n\nChannel 0: They'll come they're amazing. They come down with their lawyers that didn't make it in the real world, so they gotta work\n\nChannel 1: Mhmm.\n\nChannel 0: back up. And they've gotta be in their buttock because they didn't make it in the real world, and they just wanna prove themselves to the government or whatever they're working for. Right? So they\n\nChannel 1: Yeah.\n\nChannel 0: come\n\nChannel 1: Right.\n\nChannel 0: down off like a ton of bricks.\n\nChannel 1: Yep.\n\nChannel 0: So you got protection there as well. Do\n\nChannel 1: Okay.\n\nChannel 0: you have any questions about that services, these compliance, anything?\n\nChannel 1: No. I don't. No. That's all pretty quick.\n\nChannel 0: Beautiful. Last thing I'm gonna do is I'm gonna run you through a well, I've already got most of your fact find. I'll confirm those details. But then the last thing I wanna do is essentially go through a risk profile questionnaire. Now\n\nChannel 1: Sure.\n\nChannel 0: I had to make these questions up, asking in the federal government too. So some of\n\nChannel 1: Mhmm.\n\nChannel 0: them are pretty pretty dumb. I'll let you know. You'll you'll you'll work out which ones are the best. But\n\nChannel 1: Yeah.\n\nChannel 0: that's\n\nChannel 1: Yes.\n\nChannel 0: fine. But I do have to ask them. K? So it's\n\nChannel 1: No\n\nChannel 0: about\n\nChannel 1: worries.\n\nChannel 0: 30 questions, and then I'll book in another time in a couple weeks, and then we're done. Yep.\n\nChannel 1: Perfect. Yeah. Sounds good.\n\nChannel 0: Yeah. So how would you rate your willingness to take financial risk? Would you say that you're a very high risk taker, high risk taker, average risk taker, or low risk taker?\n\nChannel 1: Low risk taker.\n\nChannel 0: Beautiful. Alright. And how familiar are you with investment markets? Would you say that you're comfortable with all investment markets and you know everything about them? Would you say that you are aware that investments fluctuate?\n\nWould you say that you got a fairly good market grasp, but you're still learning?\n\nChannel 1: I would say I've got\n\nChannel 0: Based\n\nChannel 1: a\n\nChannel 0: on\n\nChannel 1: fairly good\n\nChannel 0: yeah.\n\nChannel 1: grasp, but I am still\n\nChannel 0: Yeah.\n\nChannel 1: learning. I wouldn't say very good. Yep.\n\nChannel 0: Yeah. Just from what we what you just we discussed before, I'll send that to you as well. So how would you describe your experiences with the investment market? So did you say that you've had a positive with\n\nChannel 1: Yes.\n\nChannel 0: investment experience from the same markets and understand that they fluctuate? Would you say that you've learned to risk and reward balance from a negative experience? Would you say that you have you have you'd say you're an investment lover. She's never really done it, but she's naturally cautious. Or would you say that you've lost too much money in the past and never wanna do it again?\n\nChannel 1: I'm more of a novice, yeah, I would say. I've I've definitely years ago when crypto was going off and everyone was talking about it, I invested And I made money initially, but the ones that I've held on to have definitely lost\n\nChannel 0: Good.\n\nChannel 1: a\n\nChannel 0: How\n\nChannel 1: lot of money as\n\nChannel 0: how\n\nChannel 1: well.\n\nChannel 0: how that Huddl go? Good.\n\nChannel 1: Yeah. Yeah. Yeah. They've the boss fell off. But I haven't told them yet, so it's like, oh, well, you know, it might get back up.\n\nBut I'm completely out of that sort of thinking of investing in crypto. I'm I'm hoping\n\nChannel 0: Alright.\n\nChannel 1: that.\n\nChannel 0: Have you ever the next question is what's the investment you've ever purchased? Have you ever purchased some direct shares?\n\nChannel 1: No.\n\nChannel 0: Alright. Well, then we put down managed funds because your superannuation currently\n\nChannel 1: Mhmm.\n\nChannel 0: held in managed funds. K?\n\nChannel 1: Yes.\n\nChannel 0: Alright. Investment time frame. Because we're dealing with super, I would say that's longer than ten years. Timeline\n\nChannel 1: Yep.\n\nChannel 0: horizon. Yep.\n\nChannel 1: Yep.\n\nChannel 0: Alright. So volatility is on board. Volatility investments go up and down, and value is called volatility as an HR based. How much could your investments value drop over the next twelve months for your super you invest with the super with us? And in twelve months, how much could it drop by before you start feeling concerned and anxious?\n\nWould you say more than 50%, up to 50%, up to 25%, up to 10%?\n\nChannel 1: I think I was still pretty anxious up to 25.\n\nChannel 0: 25%. Beautiful. And what happens if you invest your suit with us and then six months in line with general trends in the financial markets, we find out that your portfolio has decreased by 20%. Would you, one, invest heavily expecting future growth? Would you, two, invest modestly expecting future growth?\n\nWould you hold and wait improvement after speaking to your financial professional? Or would you tell me to get stuff and sell everything to cash?\n\nChannel 1: I'd probably hold. I think I would hold.\n\nChannel 0: Huddle.\n\nChannel 1: Yep.\n\nChannel 0: Huddle.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Gotcha. And what kind of this is one of those super questions. What kind of return do you expect to achieve on your investments and superannuation over the longer term? More one, more than 8%?\n\nTwo, sixty eight percent? Three, sixty four? Four to 6%? Or four two to 4%? I'm assuming the most.\n\nRight?\n\nChannel 1: Yeah. Yeah. The most.\n\nChannel 0: Yep. Perfect. And so last couple of questions. Have you ever thought about taking out a loan to invest? One, you have borrowed or open to borrowing for stocks and funds, if it's appropriate.\n\nTwo, you have borrowed or open to borrowing for investment properties. Or three, you would only bought borrow for investment property. Or four, you're never gonna borrow.\n\nChannel 1: I'm certainly open to borrowing from a bank for investment properties. Yeah.\n\nChannel 0: But\n\nChannel 1: And\n\nChannel 0: not shares, like a margin loan? Or\n\nChannel 1: no. I haven't I've I'm yet to ever consider that.\n\nChannel 0: Beautiful. Okay. And based on the way that you just answered that previous question, how would you how would taking on lunch investment shares may keep in? Would you say that you're comfortable borrowing from investments, aware of the risks? Would you say that you're you're somewhat comfortable but you're cautious?\n\nWould you say that you're careful with borrowing and understand this the risk involved? Would you say that you're hesitant to borrow weary of the high risks involved, or would you say you'll never borrow?\n\nChannel 1: At this stage, I'd say hesitant. I would be I'd much prefer just using the money that I have rather than borrowing to invest\n\nChannel 0: Gotcha.\n\nChannel 1: in shares.\n\nChannel 0: Alright.\n\nChannel 1: Yep.\n\nChannel 0: So you are a you're essentially drum roll, please. I'm just adding it all up. And that's the best investment capacity moving up or down one investment. Risk profile, we call it. Because when it comes to risk, there's there's four ingredients.\n\nYou know, Macbeth's, like, the the three riches in the melt melting pot. So\n\nChannel 1: Yep.\n\nChannel 0: the the, you know, bubble bubble gargle and trouble. I have mutual last stuff. I don't know how, not my reference system I had just been, but this works. So there's four ingredients in the pot, which is your time horizon, your risk profile, which is what works now now, your risk\n\nChannel 1: Yep.\n\nChannel 0: capacity, and your risk tolerance. And all four of them kinda work together. So\n\nChannel 1: Mhmm.\n\nChannel 0: the\n\nChannel 1: Yep.\n\nChannel 0: way that I've just you've just asked those questions and just been speaking to you recently, You your natural courses comes in there, sir. I wouldn't say you're kind of pedals to the middle for a fee for a long time guy. Right?\n\nChannel 1: No. No. No. Yep.\n\nChannel 0: Perfect. So you have come out as a a 35. And what that makes you is towards the more defensive end of a growth investor. So a growth investor is usually a time horizon of about six to eight\n\nChannel 1: Yep.\n\nChannel 0: years because\n\nChannel 1: Mhmm.\n\nChannel 0: that means the asset allocation of the of the percentage differences between growth and the sort of assets, which are international and domestic shares and things like infrastructure, gold, commodities, stuff like that.\n\nChannel 1: Yep.\n\nChannel 0: But then you've got the rest the other portion of percentage of your portfolio and defense, like fixed interest, cash,\n\nChannel 1: Yeah.\n\nChannel 0: some of the other commodities, those kind of things like bonds, bills, that stuff, Fed reserve and just cash. So\n\nChannel 1: Yeah. Yes.\n\nChannel 0: looking at the way you answer those questions, I think a growth is actually appropriate for you because it accommodates for about what that means is about 70 to 80% invested into shares. To give you\n\nChannel 1: Mhmm.\n\nChannel 0: an idea, defensive portfolio is, like, 55, 45. So 55% invested into the market and 45% invested into defensive assets. That's about, like, that's that's a defensive balanced portfolio. Because when you see the balance, you know, if you're looking at your superannuation, it says my super balance for something, that's a\n\nChannel 1: Yeah.\n\nChannel 0: growth portfolio. It's invested 75% to the market.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So I don't wanna change you too much from what you're really doing. And the sole reason if if we if we did weren't talking if we weren't including time horizon, I'd be looking at something like a balance growth portfolio. So one risk profile lower.\n\nChannel 1: Mhmm.\n\nChannel 0: But because you're looking at only some investment superannuation with the time horizon of, you know, twenty, twenty three years, I'll be comfortable leaving you at the growth environment. So you're gonna look at something about 80% investment in the market, 20% effective assets. Would you does that make sense? Would you be comfortable with that\n\nChannel 1: Yeah. It makes sense. And, yeah, I'm comfortable with that. I'm sort of I feel like I I'm more\n\nChannel 0: all?\n\nChannel 1: willing to take a risk on super than, you know, other things that affect me in the immediate term, which is for\n\nChannel 0: Okay.\n\nChannel 1: better or worse. But yeah.\n\nChannel 0: Have you have you ever are you in front of a computer right now?\n\nChannel 1: I\n\nChannel 0: You are. Yep. Go give me a favor and I'll explain this to you because I really wanna make sure that we get this right. Because more often than not, you know, when\n\nChannel 1: am.\n\nChannel 0: clients\n\nChannel 1: Yep.\n\nChannel 0: come to me and they say, you know, I lost all this money during this this downturn. Now what I had a $100. Now I've been getting $8. How do I make my $20,000 back as soon as possible? My answer is not always the answer they wanna hear.\n\nBecause when I give them the solution, I give them another question. And the question is, well, why were you taking that much risk in the first place? You obviously won't invest. Right? So so go to a new Google page and just type in the the actual search on that Google search, like the actual ad, like, website area.\n\nType in andex, so andex,.com.au.\n\nChannel 1: Yep.\n\nChannel 0: You'll see\n\nChannel 1: Yep.\n\nChannel 0: a big chart. Click on that chart.\n\nChannel 1: May I have a sec?\n\nChannel 0: Yeah. I make sure\n\nChannel 1: Yep.\n\nChannel 0: I press that.\n\nChannel 1: I have I have I've got the chart. Yep.\n\nChannel 0: And then click on that when you click on the chart, then you add them to goes on to the next page to purchase it. Just go into the magnifying glass on the actual chart on the left hand side.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So okay. So you're looking at the big colorful, very comprehensive chart. Right?\n\nChannel 1: Yes.\n\nChannel 0: So on the far left hand side is $19.50. Far right hand side is 2025 end of twenty twenty five. Right? So this is the growth of a 100 with no acquisition cost, no taxes, and all income or dividends reinvested back into that asset. Right?\n\nThat blue\n\nChannel 1: Mhmm.\n\nChannel 0: line, remember $100. The dark blue line is essentially all Australian shares. That's the Australian all of those index. And it's been a bumpy ride you know, that the first major drop was industrial kind of drop, which was mid seventies.\n\nChannel 1: Mhmm.\n\nChannel 0: Then\n\nChannel 1: Yep.\n\nChannel 0: the next very sharp drop was Wolf of Wall Street, Jordan Belfort's first day of trading. It's when no. They call it Black Black Friday.\n\nChannel 1: Yep.\n\nChannel 0: The next one a little bit closer to home is twenty two thousand seven to February. So you see\n\nChannel 1: Yep.\n\nChannel 0: that drop up? That\n\nChannel 1: Yeah.\n\nChannel 0: drop\n\nChannel 1: Yeah.\n\nChannel 0: from\n\nChannel 1: Yeah.\n\nChannel 0: top to bottom was 61 63%.\n\nChannel 1: Yeah. Wow.\n\nChannel 0: So that year and a half is 63%. I'm gonna go back to that as an example. So if you've if you had a $100, you invested a $100 into a 100% Australian index fund, you in a year and a half, if you do so, would essentially be left with even with reinvesting as it falls, I was talking to you, you would be left with essentially $37,000. But if you kept your pool, right, and you just left it in there, currently investing, it would\n\nChannel 1: Yep.\n\nChannel 0: have taken approximately almost six years. So one, two, let me see if I remember this right. One, two, three, four, five. Yeah. Not five, five and a half, six years.\n\nI believe\n\nChannel 1: Yep.\n\nChannel 0: it was 05/2004. Just for memory. Yeah. 05/2004, not five years or four months, but five point four years, it would have taken after the top of the market down through GFC and all the way to top again. If you just held huddled, then\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: you wouldn't have a $100,000 back. So that that's five that's the most aggressive asset outside view of equity you can invest in. Right? So\n\nChannel 1: Yep.\n\nChannel 0: when we talk about time horizon, that after the largest financial collapse in recent time, in the most aggressive assets, it wouldn't even take six years for you to make your money back. It was really bad\n\nChannel 1: Yeah.\n\nChannel 0: for me. So\n\nChannel 1: Yeah.\n\nChannel 0: that gives\n\nChannel 1: It's\n\nChannel 0: you\n\nChannel 1: interesting\n\nChannel 0: an idea.\n\nChannel 1: to look at it that way. Yeah.\n\nChannel 0: Yeah. Correct. But essentially, a $100 over seventy five years would have a you'll end up with $362,654. That's CPI 2.5% as well.\n\nChannel 1: Yep.\n\nChannel 0: So if you go to the light blue line, less volatility because you're taking 30% of\n\nChannel 1: Yep.\n\nChannel 0: entered assets, that's a balance for 40 m c. 70\n\nChannel 1: Mhmm.\n\nChannel 0: 30 split. We want you to take a little bit more than that. I'm gonna I'm I'm just by you saying taking more risk, maybe even $85.15. And then just yeah. Take a long period.\n\nSo I wanna get you somewhere in between that top, the light, blue one.\n\nChannel 1: Yes.\n\nChannel 0: But then, obviously, as you get close to retirement, '54, '55, we start really raining back the risk every year. So that's kind of so that you can be somewhere close to the green green line. Obviously, not as far as they've been the last couple years because\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: bonds have been terrible. They have a a bearable bond bearable bonds.\n\nChannel 1: Yep.\n\nChannel 0: But, yeah, the green line's bonds. And then you got cash. It just shows you the growth factor. But that gives you an idea of time versus risk because since\n\nChannel 1: Yes.\n\nChannel 0: you have to if you wanna calculate it on a on a variation, a covariance matrix, like a standard deviation perspective, mathematical stuff, you can literally work out that time. It's literally equal to a ratio of 1.01 to rest after eleven point eight years.\n\nChannel 1: Yep.\n\nChannel 0: So it's one to one. You won't lose. Are you you got a zero you got a 0.0001 then chance of losing in any financial market up here for almost twelve years.\n\nChannel 1: Yeah. Wow. That's\n\nChannel 0: As an\n\nChannel 1: nice\n\nChannel 0: index.\n\nChannel 1: and loud. Yeah.\n\nChannel 0: Correct. But we so that gives you an idea. And, I mean, you can look at any point in time. You show me anytime on ten years that most aggressive assets have gone down, then it hasn't\n\nChannel 1: Yep.\n\nChannel 0: seem to be good. Alright. So that gives you an idea. Anyway,\n\nChannel 1: Yeah. Yep.\n\nChannel 0: I would I'm gonna I'm gonna bump you up a bit. I'm gonna say the same growth environment, but not $80.20. I'm gonna go $85.15 if you're comfortable with that. So in\n\nChannel 1: Yeah.\n\nChannel 0: between that flight room, drive through a line.\n\nChannel 1: Yep.\n\nChannel 0: With the input that we wanna try and get about, you know, 10 and a half, 11% every\n\nChannel 1: Yep.\n\nChannel 0: year, what it is.\n\nChannel 1: Yep. For sure.\n\nChannel 0: Beautiful. So I'm in that that in growth. Alright. Well, look, that's pretty much everything I wanted to go through with you in this call. So thank you so much for your time, mate.\n\nThanks for reaching out. It's always a pleasure to speak to your\n\nChannel 1: No.\n\nChannel 0: clients.\n\nChannel 1: Thank you. No. Thank you very much. It was very useful.\n\nChannel 0: Beautiful. Well, no.\n\nChannel 1: Yep.\n\nChannel 0: Thank you just yet. So we'll see if we can get you in a better position first.\n\nChannel 1: Yeah.\n\nChannel 0: I'm I'm gonna send I'm gonna send you out an email. Probably,\n\nChannel 1: Yeah.\n\nChannel 0: I've got another appointment. So either by the end of business today or or Monday never sleeps. So probably knowing me, it'll be\n\nChannel 1: Yeah.\n\nChannel 0: 11:00 at night.\n\nChannel 1: That's cool. That's cool.\n\nChannel 0: I'll send you an email. I was just asking for a few bits and pieces. And look outside of that. When's the best time for me to\n\nChannel 1: Yep.\n\nChannel 0: give you a callback? I'm looking at two weeks booked up. Maybe Wednesday the second, Or would you say Monday the thirty first?\n\nChannel 1: I think Wednesday second would be ideal.\n\nChannel 0: Yep. I've got a space at 2PM and another time at midday. Which is you guys?\n\nChannel 1: Let's let's let's go for midday.\n\nChannel 0: Midday. Beautiful. New and New South Wales. There there won't be, like, time saving gaps in between now and then. Right?\n\nChannel 1: Yep. No. I don't think so. I think that's in October. Yep.\n\nChannel 0: I get that because I'm horrible\n\nChannel 1: It's\n\nChannel 0: at that time they think\n\nChannel 1: confusing.\n\nChannel 0: of. So alright.\n\nChannel 1: That\n\nChannel 0: Well,\n\nChannel 1: I'd\n\nChannel 0: if\n\nChannel 1: say.\n\nChannel 0: I don't call you, I'm pretty diligent. I'm pretty punctual. So\n\nChannel 1: Yep.\n\nChannel 0: if I don't call you at that time, it's probably because it has time has changed. But\n\nChannel 1: Yep.\n\nChannel 0: I'll call you an hour later. Alright?\n\nChannel 1: Yeah. Yeah. No worries.\n\nChannel 0: Beautiful.\n\nChannel 1: Alright.\n\nChannel 0: I'll send you a Calvary invite as well, but if you need\n\nChannel 1: Yep.\n\nChannel 0: anything in which one is just give me a call and I'll do the same. Alright?\n\nChannel 1: Perfect. Thank you so much, Debbie. I really appreciate it.\n\nChannel 0: Okay, Simon. See you. Bye.\n\nChannel 1: See you. Bye.","paragraphs":[{"sentences":[{"text":"Hello, Savvy.","start":1.4399999,"end":2.32,"sentiment":"neutral","sentiment_score":-0.09262477420270443},{"text":"I lost you.","start":2.32,"end":3.3,"sentiment":"negative","sentiment_score":-0.5269019603729248}],"sentiment":"negative","sentiment_score":-0.35319108590483667,"channel":1,"num_words":5,"start":1.4399999,"end":3.3},{"sentences":[{"text":"Yeah.","start":2.8799999,"end":3.1999998,"sentiment":"negative","sentiment_score":-0.3498484492301941},{"text":"Yeah.","start":3.1999998,"end":3.6999998,"sentiment":"negative","sentiment_score":-0.336495965719223},{"text":"They they went silent and they went they hung up on me.","start":4.0,"end":8.32,"sentiment":"negative","sentiment_score":-0.5272414833307266},{"text":"I'm not boring you already.","start":8.32,"end":9.62,"sentiment":"negative","sentiment_score":-0.36923027634620664}],"sentiment":"negative","sentiment_score":-0.46628387350785105,"channel":0,"num_words":19,"start":2.8799999,"end":9.62},{"sentences":[{"text":"Yeah.","start":9.92,"end":10.16,"sentiment":"neutral","sentiment_score":-0.2434825599193573},{"text":"I don't know.","start":10.16,"end":10.719999,"sentiment":"neutral","sentiment_score":-0.28151320417722064},{"text":"I don't know what was happening.","start":10.719999,"end":11.78,"sentiment":"negative","sentiment_score":-0.34969206154346466},{"text":"Anyway.","start":12.0,"end":12.5,"sentiment":"neutral","sentiment_score":-0.1006179228425026}],"sentiment":"neutral","sentiment_score":-0.2987993149594827,"channel":1,"num_words":11,"start":9.92,"end":12.5},{"sentences":[{"text":"Yeah.","start":12.525,"end":12.765,"sentiment":"neutral","sentiment_score":-0.043326545506715775},{"text":"Hey, Roger.","start":12.765,"end":13.585,"sentiment":"neutral","sentiment_score":0.0012422660365700722},{"text":"So yeah.","start":14.045,"end":15.885,"sentiment":"neutral","sentiment_score":0.008774302899837494},{"text":"So we we it's those insurances.","start":15.885,"end":17.904999,"sentiment":"neutral","sentiment_score":-0.008402956649661064},{"text":"If if something goes wrong, do you wanna make sure that you're covered for the rest of","start":18.205,"end":21.724998,"sentiment":"neutral","sentiment_score":-0.07484351777855087}],"sentiment":"neutral","sentiment_score":-0.04807324820597257,"channel":0,"num_words":28,"start":12.525,"end":21.724998},{"sentences":[{"text":"Yeah.","start":21.575,"end":22.075,"sentiment":"neutral","sentiment_score":-0.0654158890247345}],"sentiment":"neutral","sentiment_score":-0.0654158890247345,"channel":1,"num_words":1,"start":21.575,"end":22.075},{"sentences":[{"text":"your time?","start":21.724998,"end":22.285,"sentiment":"neutral","sentiment_score":-0.0660481657832861},{"text":"Like, there's insurances there.","start":22.285,"end":23.904999,"sentiment":"neutral","sentiment_score":-0.12613138183951378},{"text":"There's these weird things you pay all this money for and the best outcome is nothing happens.","start":24.22,"end":28.08,"sentiment":"neutral","sentiment_score":-0.2802809319075416},{"text":"Right?","start":28.22,"end":28.539999,"sentiment":"neutral","sentiment_score":-0.13264793157577515},{"text":"Like,","start":28.539999,"end":29.039999,"sentiment":"neutral","sentiment_score":-0.17532294988632202}],"sentiment":"neutral","sentiment_score":-0.22837474331259727,"channel":0,"num_words":25,"start":21.724998,"end":29.039999},{"sentences":[{"text":"Yeah.","start":29.43,"end":29.91,"sentiment":"neutral","sentiment_score":-0.18129205703735352}],"sentiment":"neutral","sentiment_score":-0.18129205703735352,"channel":1,"num_words":1,"start":29.43,"end":29.91},{"sentences":[{"text":"if 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yeah.","start":30.3,"end":31.02,"sentiment":"neutral","sentiment_score":-0.18180156499147415},{"text":"So they they it's but if nothing happens and you pay for coverage your entire life, then you don't get a refund of the premiums you pay.","start":31.02,"end":37.76,"sentiment":"negative","sentiment_score":-0.3658768076587606},{"text":"Right?","start":37.98,"end":38.3,"sentiment":"neutral","sentiment_score":-0.25417670607566833},{"text":"So it's it's the worst financial decision you can have.","start":38.3,"end":41.704998,"sentiment":"negative","sentiment_score":-0.7009454965591431},{"text":"No return on in debt.","start":41.925,"end":43.385,"sentiment":"negative","sentiment_score":-0.5590124666690827}],"sentiment":"negative","sentiment_score":-0.4511326875951555,"channel":0,"num_words":45,"start":30.3,"end":43.385},{"sentences":[{"text":"Yeah.","start":43.155,"end":43.555,"sentiment":"neutral","sentiment_score":-0.24312327802181244},{"text":"I know.","start":43.555,"end":44.035,"sentiment":"neutral","sentiment_score":-0.20335949212312698},{"text":"Yeah.","start":44.035,"end":44.535,"sentiment":"neutral","sentiment_score":-0.1593841016292572}],"sentiment":"neutral","sentiment_score":-0.2023065909743309,"channel":1,"num_words":4,"start":43.155,"end":44.535},{"sentences":[{"text":"But it's a necessary evil one.","start":45.045,"end":46.805,"sentiment":"negative","sentiment_score":-0.37477237979571026},{"text":"So therefore, with that said, you need it, especially","start":46.805,"end":49.845,"sentiment":"neutral","sentiment_score":-0.15157360169622633}],"sentiment":"neutral","sentiment_score":-0.2408531129360199,"channel":0,"num_words":15,"start":45.045,"end":49.845},{"sentences":[{"text":"Mhmm.","start":49.795,"end":50.295,"sentiment":"neutral","sentiment_score":-0.09323014318943024}],"sentiment":"neutral","sentiment_score":-0.09323014318943024,"channel":1,"num_words":1,"start":49.795,"end":50.295},{"sentences":[{"text":"if you take it on debt.","start":49.845,"end":51.065,"sentiment":"neutral","sentiment_score":-0.12959003696839014},{"text":"So you need","start":51.125,"end":51.684998,"sentiment":"neutral","sentiment_score":-0.0681565801302592}],"sentiment":"neutral","sentiment_score":-0.1091122180223465,"channel":0,"num_words":9,"start":49.845,"end":51.684998},{"sentences":[{"text":"Mhmm.","start":51.555,"end":52.055,"sentiment":"neutral","sentiment_score":-0.05182672291994095}],"sentiment":"neutral","sentiment_score":-0.05182672291994095,"channel":1,"num_words":1,"start":51.555,"end":52.055},{"sentences":[{"text":"to make sure that that's covered.","start":51.684998,"end":53.065,"sentiment":"neutral","sentiment_score":-0.04762208213408788},{"text":"And but in saying that you wanna you need to make sure that's covered for 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out.","start":64.94,"end":65.759995,"sentiment":"neutral","sentiment_score":-0.05677420894304911},{"text":"So,","start":67.235,"end":67.475,"sentiment":"neutral","sentiment_score":-0.02418091520667076}],"sentiment":"neutral","sentiment_score":-0.048625885508954525,"channel":0,"num_words":4,"start":64.94,"end":67.475},{"sentences":[{"text":"Mhmm.","start":67.41,"end":67.91,"sentiment":"neutral","sentiment_score":-0.027412042021751404}],"sentiment":"neutral","sentiment_score":-0.027412042021751404,"channel":1,"num_words":1,"start":67.41,"end":67.91},{"sentences":[{"text":"yeah, it's it's really important to assess that as well because","start":67.475,"end":70.835,"sentiment":"neutral","sentiment_score":-0.05596480518579483}],"sentiment":"neutral","sentiment_score":-0.05596480518579483,"channel":0,"num_words":11,"start":67.475,"end":70.835},{"sentences":[{"text":"Yeah.","start":70.765,"end":71.265,"sentiment":"neutral","sentiment_score":-0.13253295421600342}],"sentiment":"neutral","sentiment_score":-0.13253295421600342,"channel":1,"num_words":1,"start":70.765,"end":71.265},{"sentences":[{"text":"if you're over if you're over insured, it's just as bad as being 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important.","start":88.46,"end":89.35999,"sentiment":"neutral","sentiment_score":0.1281486265361309},{"text":"Sure.","start":89.579994,"end":90.079994,"sentiment":"neutral","sentiment_score":0.197368785738945}],"sentiment":"neutral","sentiment_score":0.15122201293706894,"channel":1,"num_words":3,"start":88.46,"end":90.079994},{"sentences":[{"text":"yeah.","start":89.88,"end":90.36,"sentiment":"neutral","sentiment_score":0.2086305469274521},{"text":"So we can definitely calculate that, and I'll give a recommendation.","start":90.36,"end":92.86,"sentiment":"neutral","sentiment_score":0.21661409735679626},{"text":"Struct our infrastructure didn't find that super because we're looking at super anyway.","start":93.079994,"end":96.935,"sentiment":"neutral","sentiment_score":-0.07134187049590625}],"sentiment":"neutral","sentiment_score":0.06655765205621719,"channel":0,"num_words":25,"start":89.88,"end":96.935},{"sentences":[{"text":"Yep.","start":97.259995,"end":97.759995,"sentiment":"neutral","sentiment_score":0.16235658526420593}],"sentiment":"neutral","sentiment_score":0.16235658526420593,"channel":1,"num_words":1,"start":97.259995,"end":97.759995},{"sentences":[{"text":"So that works in the background.","start":98.274994,"end":99.555,"sentiment":"neutral","sentiment_score":0.20528683066368103},{"text":"Obviously, your accounting taxation, just getting the accountant is probably the best best kind of area in that because especially with your kind of 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as","start":1940.91,"end":1941.7101,"sentiment":"neutral","sentiment_score":0.0741213895380497}],"sentiment":"neutral","sentiment_score":0.0741213895380497,"channel":1,"num_words":4,"start":1940.91,"end":1941.7101},{"sentences":[{"text":"how","start":1941.625,"end":1942.125,"sentiment":"neutral","sentiment_score":0.1287609040737152}],"sentiment":"neutral","sentiment_score":0.1287609040737152,"channel":0,"num_words":1,"start":1941.625,"end":1942.125},{"sentences":[{"text":"well.","start":1941.7101,"end":1942.2101,"sentiment":"neutral","sentiment_score":0.11487262696027756}],"sentiment":"neutral","sentiment_score":0.11487262696027756,"channel":1,"num_words":1,"start":1941.7101,"end":1942.2101},{"sentences":[{"text":"how that Huddl go?","start":1942.345,"end":1943.5449,"sentiment":"neutral","sentiment_score":0.0721626365557313},{"text":"Good.","start":1943.5449,"end":1944.0449,"sentiment":"neutral","sentiment_score":0.25372007489204407}],"sentiment":"neutral","sentiment_score":0.10847412422299385,"channel":0,"num_words":5,"start":1942.345,"end":1944.0449},{"sentences":[{"text":"Yeah.","start":1944.99,"end":1945.49,"sentiment":"neutral","sentiment_score":0.07509785890579224},{"text":"Yeah.","start":1945.9501,"end":1946.4501,"sentiment":"neutral","sentiment_score":0.021716993302106857},{"text":"Yeah.","start":1947.31,"end":1947.63,"sentiment":"neutral","sentiment_score":-0.05458207428455353},{"text":"They've the boss fell off.","start":1947.63,"end":1948.6649,"sentiment":"negative","sentiment_score":-0.3971391558647156},{"text":"But I haven't told them yet, so it's like, oh, well, you know, it might get back 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20%.","start":2023.085,"end":2033.42,"sentiment":"neutral","sentiment_score":-0.07629524622902725},{"text":"Would you, one, invest heavily expecting future growth?","start":2034.04,"end":2037.3201,"sentiment":"neutral","sentiment_score":-0.08652758505195379},{"text":"Would you, two, invest modestly expecting future growth?","start":2037.3201,"end":2040.2001,"sentiment":"neutral","sentiment_score":-0.07009410113096237}],"sentiment":"neutral","sentiment_score":-0.06949048434548519,"channel":0,"num_words":51,"start":2020.0449,"end":2040.2001},{"sentences":[{"text":"Would you hold and wait improvement after speaking to your financial professional?","start":2040.2001,"end":2044.14,"sentiment":"neutral","sentiment_score":-0.12185018447538216},{"text":"Or would you tell me to get stuff and sell everything to 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what kind of this is one of those super questions.","start":2054.015,"end":2056.655,"sentiment":"neutral","sentiment_score":-0.13594897091388702},{"text":"What kind of return do you expect to achieve on your investments and superannuation over the longer term?","start":2056.655,"end":2061.75,"sentiment":"neutral","sentiment_score":0.2454036350051562},{"text":"More one, more than 8%?","start":2062.05,"end":2063.83,"sentiment":"neutral","sentiment_score":0.15181297361850737}],"sentiment":"neutral","sentiment_score":0.09917174910919534,"channel":0,"num_words":36,"start":2052.655,"end":2063.83},{"sentences":[{"text":"Two, sixty eight percent?","start":2064.3699,"end":2065.57,"sentiment":"neutral","sentiment_score":0.09905390255153179},{"text":"Three, sixty four?","start":2065.57,"end":2066.45,"sentiment":"neutral","sentiment_score":0.056256383657455444},{"text":"Four to 6%?","start":2066.45,"end":2067.49,"sentiment":"neutral","sentiment_score":0.042678518841663994},{"text":"Or four two to 4%?","start":2067.49,"end":2069.3499,"sentiment":"neutral","sentiment_score":0.04652058929204941},{"text":"I'm assuming the most.","start":2069.65,"end":2070.8499,"sentiment":"neutral","sentiment_score":0.13680141605436802}],"sentiment":"neutral","sentiment_score":0.0775173120200634,"channel":0,"num_words":19,"start":2064.3699,"end":2070.8499},{"sentences":[{"text":"Right?","start":2070.8499,"end":2071.3499,"sentiment":"neutral","sentiment_score":0.14252403378486633}],"sentiment":"neutral","sentiment_score":0.14252403378486633,"channel":0,"num_words":1,"start":2070.8499,"end":2071.3499},{"sentences":[{"text":"Yeah.","start":2071.75,"end":2072.0698,"sentiment":"neutral","sentiment_score":0.16611537337303162},{"text":"Yeah.","start":2072.0698,"end":2072.39,"sentiment":"neutral","sentiment_score":0.1741085946559906},{"text":"The 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works.","start":2175.82,"end":2179.2,"sentiment":"neutral","sentiment_score":0.014887070469558238},{"text":"So there's four ingredients in the pot, which is your time horizon, your risk profile, which is what works now now, your risk","start":2179.6602,"end":2189.135,"sentiment":"neutral","sentiment_score":0.10443422506036966}],"sentiment":"neutral","sentiment_score":0.05451243630467126,"channel":0,"num_words":52,"start":2172.22,"end":2189.135},{"sentences":[{"text":"Yep.","start":2189.0298,"end":2189.5298,"sentiment":"neutral","sentiment_score":0.08267728239297867}],"sentiment":"neutral","sentiment_score":0.08267728239297867,"channel":1,"num_words":1,"start":2189.0298,"end":2189.5298},{"sentences":[{"text":"capacity, and your risk tolerance.","start":2189.135,"end":2190.8352,"sentiment":"neutral","sentiment_score":0.10336422324180602},{"text":"And all four of them kinda work 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that I've just you've just asked those questions and just been speaking to you recently, You your natural courses comes in there, sir.","start":2193.7751,"end":2201.9,"sentiment":"neutral","sentiment_score":0.1193226957693696},{"text":"I wouldn't say you're kind of pedals to the middle for a fee for a long time guy.","start":2201.9,"end":2205.4602,"sentiment":"neutral","sentiment_score":-0.04433930266855492},{"text":"Right?","start":2205.4602,"end":2205.9602,"sentiment":"neutral","sentiment_score":0.007962332107126713}],"sentiment":"neutral","sentiment_score":0.048223246105535085,"channel":0,"num_words":43,"start":2193.7751,"end":2205.9602},{"sentences":[{"text":"No.","start":2206.1301,"end":2206.29,"sentiment":"neutral","sentiment_score":-0.188365176320076},{"text":"No.","start":2206.29,"end":2206.53,"sentiment":"neutral","sentiment_score":-0.1669984608888626},{"text":"No.","start":2206.53,"end":2206.9302,"sentiment":"neutral","sentiment_score":-0.12501612305641174},{"text":"Yep.","start":2206.9302,"end":2207.4302,"sentiment":"neutral","sentiment_score":0.07239456474781036}],"sentiment":"neutral","sentiment_score":-0.101996298879385,"channel":1,"num_words":4,"start":2206.1301,"end":2207.4302},{"sentences":[{"text":"Perfect.","start":2208.26,"end":2208.58,"sentiment":"positive","sentiment_score":0.39627254009246826},{"text":"So you have come out as a a 35.","start":2208.58,"end":2216.835,"sentiment":"neutral","sentiment_score":0.19871101445621914},{"text":"And what that makes you is towards the more defensive end of a growth investor.","start":2216.835,"end":2221.335,"sentiment":"neutral","sentiment_score":0.13150124897559484},{"text":"So a growth investor is usually a time horizon of about six to eight","start":2223.315,"end":2228.6,"sentiment":"neutral","sentiment_score":0.07645849511027336}],"sentiment":"neutral","sentiment_score":0.13404126503528693,"channel":0,"num_words":39,"start":2208.26,"end":2228.6},{"sentences":[{"text":"Yep.","start":2228.425,"end":2228.925,"sentiment":"neutral","sentiment_score":0.04671040177345276}],"sentiment":"neutral","sentiment_score":0.04671040177345276,"channel":1,"num_words":1,"start":2228.425,"end":2228.925},{"sentences":[{"text":"years 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that.","start":2230.4402,"end":2242.5251,"sentiment":"neutral","sentiment_score":0.06534147691546065}],"sentiment":"neutral","sentiment_score":0.06534147691546065,"channel":0,"num_words":33,"start":2230.4402,"end":2242.5251},{"sentences":[{"text":"Yep.","start":2242.98,"end":2243.48,"sentiment":"neutral","sentiment_score":0.07977362722158432}],"sentiment":"neutral","sentiment_score":0.07977362722158432,"channel":1,"num_words":1,"start":2242.98,"end":2243.48},{"sentences":[{"text":"But then you've got the rest the other portion of percentage of your portfolio and defense, like fixed interest, cash,","start":2243.5452,"end":2251.0051,"sentiment":"neutral","sentiment_score":0.0648945227265358}],"sentiment":"neutral","sentiment_score":0.0648945227265358,"channel":0,"num_words":20,"start":2243.5452,"end":2251.0051},{"sentences":[{"text":"Yeah.","start":2251.095,"end":2251.595,"sentiment":"neutral","sentiment_score":0.05749154090881348}],"sentiment":"neutral","sentiment_score":0.05749154090881348,"channel":1,"num_words":1,"start":2251.095,"end":2251.595},{"sentences":[{"text":"some of the other commodities, those kind of things like bonds, bills, that stuff, Fed reserve and just cash.","start":2251.7852,"end":2259.34,"sentiment":"neutral","sentiment_score":0.0567003612063433},{"text":"So","start":2259.6401,"end":2260.1401,"sentiment":"neutral","sentiment_score":0.05802524089813232}],"sentiment":"neutral","sentiment_score":0.056766605190932753,"channel":0,"num_words":20,"start":2251.7852,"end":2260.1401},{"sentences":[{"text":"Yeah.","start":2259.655,"end":2259.975,"sentiment":"neutral","sentiment_score":0.08259744942188263},{"text":"Yes.","start":2259.975,"end":2260.475,"sentiment":"neutral","sentiment_score":0.15438932180404663}],"sentiment":"neutral","sentiment_score":0.11849338561296463,"channel":1,"num_words":2,"start":2259.655,"end":2260.475},{"sentences":[{"text":"looking at the way you answer those questions, I think a growth is actually appropriate for you because it accommodates for about what that means is about 70 to 80% invested into shares.","start":2260.84,"end":2272.835,"sentiment":"neutral","sentiment_score":0.2105582029078946},{"text":"To give you","start":2272.975,"end":2273.455,"sentiment":"neutral","sentiment_score":0.10197131087382634}],"sentiment":"neutral","sentiment_score":0.2015092952383889,"channel":0,"num_words":36,"start":2260.84,"end":2273.455},{"sentences":[{"text":"Mhmm.","start":2273.41,"end":2273.91,"sentiment":"neutral","sentiment_score":0.10628509521484376}],"sentiment":"neutral","sentiment_score":0.10628509521484376,"channel":1,"num_words":1,"start":2273.41,"end":2273.91},{"sentences":[{"text":"an idea, defensive portfolio is, like, 55, 45.","start":2273.455,"end":2276.735,"sentiment":"neutral","sentiment_score":0.09781063627451658},{"text":"So 55% invested into the market and 45% invested into defensive assets.","start":2276.735,"end":2281.475,"sentiment":"neutral","sentiment_score":0.11779493031402428},{"text":"That's about, like, that's that's a defensive balanced portfolio.","start":2281.615,"end":2285.99,"sentiment":"neutral","sentiment_score":0.1537156320280499},{"text":"Because when you see the balance, you know, if you're looking at your superannuation, it says my super balance for something, that's a","start":2286.45,"end":2292.21,"sentiment":"neutral","sentiment_score":0.09218479239422342}],"sentiment":"neutral","sentiment_score":0.10960990706315407,"channel":0,"num_words":52,"start":2273.455,"end":2292.21},{"sentences":[{"text":"Yeah.","start":2292.1948,"end":2292.6948,"sentiment":"neutral","sentiment_score":0.06664969772100449}],"sentiment":"neutral","sentiment_score":0.06664969772100449,"channel":1,"num_words":1,"start":2292.1948,"end":2292.6948},{"sentences":[{"text":"growth portfolio.","start":2292.21,"end":2293.01,"sentiment":"neutral","sentiment_score":0.08979345485568047},{"text":"It's invested 75% to the market.","start":2293.01,"end":2295.35,"sentiment":"neutral","sentiment_score":0.11225636055072148}],"sentiment":"neutral","sentiment_score":0.10664063412696123,"channel":0,"num_words":8,"start":2292.21,"end":2295.35},{"sentences":[{"text":"Yeah.","start":2295.81,"end":2296.1301,"sentiment":"neutral","sentiment_score":0.06061173602938652},{"text":"Okay.","start":2296.1301,"end":2296.6301,"sentiment":"neutral","sentiment_score":0.042819276452064514}],"sentiment":"neutral","sentiment_score":0.05171550624072552,"channel":1,"num_words":2,"start":2295.81,"end":2296.6301},{"sentences":[{"text":"So I don't wanna change you too much from what you're really doing.","start":2296.77,"end":2299.83,"sentiment":"neutral","sentiment_score":-0.1643726140833818},{"text":"And the sole reason if if we if we did weren't talking if we weren't including time horizon, I'd be looking at something like a balance growth portfolio.","start":2300.805,"end":2311.385,"sentiment":"neutral","sentiment_score":0.03887553576246968},{"text":"So one risk profile lower.","start":2311.445,"end":2313.065,"sentiment":"neutral","sentiment_score":-0.03958556354045868}],"sentiment":"neutral","sentiment_score":-0.02709253911819795,"channel":0,"num_words":46,"start":2296.77,"end":2313.065},{"sentences":[{"text":"Mhmm.","start":2313.9949,"end":2314.4949,"sentiment":"neutral","sentiment_score":-0.016501162201166153}],"sentiment":"neutral","sentiment_score":-0.016501162201166153,"channel":1,"num_words":1,"start":2313.9949,"end":2314.4949},{"sentences":[{"text":"But because you're looking at only some investment superannuation with the time horizon of, you know, twenty, twenty three years, I'll be comfortable leaving you at the growth environment.","start":2314.0898,"end":2324.0898,"sentiment":"neutral","sentiment_score":0.07850751396397064},{"text":"So you're gonna look at something about 80% investment in the market, 20% effective assets.","start":2324.0898,"end":2329.3098,"sentiment":"neutral","sentiment_score":0.12158730079730352},{"text":"Would you does that make sense?","start":2329.545,"end":2330.825,"sentiment":"neutral","sentiment_score":0.13555321469902992},{"text":"Would you be comfortable with that","start":2330.825,"end":2332.365,"sentiment":"neutral","sentiment_score":0.09334311758478482}],"sentiment":"neutral","sentiment_score":0.09774831090388554,"channel":0,"num_words":56,"start":2314.0898,"end":2332.365},{"sentences":[{"text":"Yeah.","start":2333.15,"end":2333.47,"sentiment":"neutral","sentiment_score":0.32986730337142944},{"text":"It makes sense.","start":2333.47,"end":2334.2698,"sentiment":"positive","sentiment_score":0.3574647506078084},{"text":"And, yeah, I'm comfortable with that.","start":2334.2698,"end":2335.71,"sentiment":"positive","sentiment_score":0.33962850272655487},{"text":"I'm sort of I feel like I I'm 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for","start":2337.39,"end":2345.085,"sentiment":"neutral","sentiment_score":-0.014815978197888895}],"sentiment":"neutral","sentiment_score":-0.014815978197888895,"channel":1,"num_words":22,"start":2337.39,"end":2345.085},{"sentences":[{"text":"Okay.","start":2344.95,"end":2345.45,"sentiment":"neutral","sentiment_score":-0.04363495111465454}],"sentiment":"neutral","sentiment_score":-0.04363495111465454,"channel":0,"num_words":1,"start":2344.95,"end":2345.45},{"sentences":[{"text":"better or worse.","start":2345.085,"end":2346.145,"sentiment":"neutral","sentiment_score":-0.07648716991146405},{"text":"But yeah.","start":2346.285,"end":2347.915,"sentiment":"neutral","sentiment_score":-0.033874403685331345}],"sentiment":"neutral","sentiment_score":-0.05944206342101097,"channel":1,"num_words":5,"start":2345.085,"end":2347.915},{"sentences":[{"text":"Have you have you ever are you in front of a computer right now?","start":2347.51,"end":2351.05,"sentiment":"neutral","sentiment_score":-0.03684827405959368}],"sentiment":"neutral","sentiment_score":-0.03684827405959368,"channel":0,"num_words":14,"start":2347.51,"end":2351.05},{"sentences":[{"text":"I","start":2351.44,"end":2351.94,"sentiment":"neutral","sentiment_score":-0.0061482880264520645}],"sentiment":"neutral","sentiment_score":-0.0061482880264520645,"channel":1,"num_words":1,"start":2351.44,"end":2351.94},{"sentences":[{"text":"You are.","start":2351.91,"end":2352.47,"sentiment":"neutral","sentiment_score":0.003503648564219475},{"text":"Yep.","start":2352.47,"end":2352.8699,"sentiment":"neutral","sentiment_score":0.0853622704744339},{"text":"Go give me a favor and I'll explain this to you because I really wanna make sure that we get this right.","start":2352.8699,"end":2357.27,"sentiment":"neutral","sentiment_score":0.15064383027228442},{"text":"Because more often than not, you know, when","start":2357.27,"end":2359.815,"sentiment":"neutral","sentiment_score":-0.05544053157791495}],"sentiment":"neutral","sentiment_score":0.08978816912029729,"channel":0,"num_words":33,"start":2351.91,"end":2359.815},{"sentences":[{"text":"am.","start":2359.84,"end":2360.09,"sentiment":"neutral","sentiment_score":-0.041430309414863586}],"sentiment":"neutral","sentiment_score":-0.041430309414863586,"channel":1,"num_words":1,"start":2359.84,"end":2360.09},{"sentences":[{"text":"clients","start":2359.9749,"end":2360.295,"sentiment":"neutral","sentiment_score":-0.045883167535066605}],"sentiment":"neutral","sentiment_score":-0.045883167535066605,"channel":0,"num_words":1,"start":2359.9749,"end":2360.295},{"sentences":[{"text":"Yep.","start":2360.09,"end":2360.59,"sentiment":"neutral","sentiment_score":-0.05080007016658783}],"sentiment":"neutral","sentiment_score":-0.05080007016658783,"channel":1,"num_words":1,"start":2360.09,"end":2360.59},{"sentences":[{"text":"come to me and they say, you know, I lost all this money during this this downturn.","start":2360.295,"end":2366.075,"sentiment":"neutral","sentiment_score":-0.19416427305516074},{"text":"Now what I had a $100.","start":2366.535,"end":2368.535,"sentiment":"neutral","sentiment_score":-0.11227876941363017},{"text":"Now I've been getting $8.","start":2368.535,"end":2369.7349,"sentiment":"neutral","sentiment_score":-0.07540020793676376},{"text":"How do I make my $20,000 back as soon as possible?","start":2369.7349,"end":2372.7148,"sentiment":"neutral","sentiment_score":-0.030560779300603},{"text":"My answer is not always the answer they wanna hear.","start":2373.11,"end":2375.83,"sentiment":"negative","sentiment_score":-0.3678071767091751}],"sentiment":"neutral","sentiment_score":-0.17072870688779013,"channel":0,"num_words":49,"start":2360.295,"end":2375.83},{"sentences":[{"text":"Because when I give them the solution, I give them another question.","start":2375.83,"end":2379.19,"sentiment":"neutral","sentiment_score":-0.27422985807061195},{"text":"And the question is, well, why were you taking that much risk in the first place?","start":2379.19,"end":2382.3901,"sentiment":"neutral","sentiment_score":-0.31846520490944386},{"text":"You obviously won't invest.","start":2382.3901,"end":2383.59,"sentiment":"negative","sentiment_score":-0.33877670019865036},{"text":"Right?","start":2383.59,"end":2384.09,"sentiment":"neutral","sentiment_score":-0.1674397587776184},{"text":"So so go to a new Google page and just type in the the actual search on that Google search, like the actual ad, like, website area.","start":2384.6301,"end":2392.625,"sentiment":"neutral","sentiment_score":-0.052643292066123754}],"sentiment":"neutral","sentiment_score":-0.18883528367926677,"channel":0,"num_words":60,"start":2375.83,"end":2392.625},{"sentences":[{"text":"Type in andex, so andex,.com.au.","start":2392.9248,"end":2397.025,"sentiment":"neutral","sentiment_score":-0.02773643285036087}],"sentiment":"neutral","sentiment_score":-0.02773643285036087,"channel":0,"num_words":5,"start":2392.9248,"end":2397.025},{"sentences":[{"text":"Yep.","start":2397.035,"end":2397.535,"sentiment":"neutral","sentiment_score":0.03733992204070091}],"sentiment":"neutral","sentiment_score":0.03733992204070091,"channel":1,"num_words":1,"start":2397.035,"end":2397.535},{"sentences":[{"text":"You'll see","start":2399.325,"end":2399.805,"sentiment":"neutral","sentiment_score":0.0397423654794693}],"sentiment":"neutral","sentiment_score":0.0397423654794693,"channel":0,"num_words":2,"start":2399.325,"end":2399.805},{"sentences":[{"text":"Yep.","start":2399.675,"end":2400.175,"sentiment":"neutral","sentiment_score":0.03863263130187988}],"sentiment":"neutral","sentiment_score":0.03863263130187988,"channel":1,"num_words":1,"start":2399.675,"end":2400.175},{"sentences":[{"text":"a big chart.","start":2399.805,"end":2400.6848,"sentiment":"neutral","sentiment_score":0.03955006351073583},{"text":"Click on that chart.","start":2400.6848,"end":2401.825,"sentiment":"neutral","sentiment_score":0.028603880666196346}],"sentiment":"neutral","sentiment_score":0.03329510188528469,"channel":0,"num_words":7,"start":2399.805,"end":2401.825},{"sentences":[{"text":"May I have a sec?","start":2403.915,"end":2404.95,"sentiment":"neutral","sentiment_score":0.01085519026964903}],"sentiment":"neutral","sentiment_score":0.01085519026964903,"channel":1,"num_words":5,"start":2403.915,"end":2404.95},{"sentences":[{"text":"Yeah.","start":2407.26,"end":2407.5,"sentiment":"neutral","sentiment_score":0.03527173399925232},{"text":"I make sure","start":2407.5,"end":2408.0598,"sentiment":"neutral","sentiment_score":0.03420086018741131}],"sentiment":"neutral","sentiment_score":0.03446857864037156,"channel":0,"num_words":4,"start":2407.26,"end":2408.0598},{"sentences":[{"text":"Yep.","start":2407.91,"end":2408.41,"sentiment":"neutral","sentiment_score":0.03753506392240524}],"sentiment":"neutral","sentiment_score":0.03753506392240524,"channel":1,"num_words":1,"start":2407.91,"end":2408.41},{"sentences":[{"text":"I press that.","start":2408.0598,"end":2408.88,"sentiment":"neutral","sentiment_score":0.02846218893925349}],"sentiment":"neutral","sentiment_score":0.02846218893925349,"channel":0,"num_words":3,"start":2408.0598,"end":2408.88},{"sentences":[{"text":"I have I have I've got the chart.","start":2408.47,"end":2410.55,"sentiment":"neutral","sentiment_score":0.04054967500269413},{"text":"Yep.","start":2410.55,"end":2411.05,"sentiment":"neutral","sentiment_score":0.059953805059194565}],"sentiment":"neutral","sentiment_score":0.0427056894534164,"channel":1,"num_words":9,"start":2408.47,"end":2411.05},{"sentences":[{"text":"And then click on that when you click on the chart, then you add them to goes on to the next page to purchase it.","start":2411.0198,"end":2416.14,"sentiment":"neutral","sentiment_score":0.06042446151375771},{"text":"Just go into the magnifying glass on the actual chart on the left hand 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chart.","start":2422.405,"end":2426.0051,"sentiment":"neutral","sentiment_score":0.22333261817693711},{"text":"Right?","start":2426.0051,"end":2426.5051,"sentiment":"neutral","sentiment_score":0.06631787866353989}],"sentiment":"neutral","sentiment_score":0.20063703163312033,"channel":0,"num_words":13,"start":2422.0051,"end":2426.5051},{"sentences":[{"text":"Yes.","start":2426.785,"end":2427.285,"sentiment":"neutral","sentiment_score":0.25605612993240356}],"sentiment":"neutral","sentiment_score":0.25605612993240356,"channel":1,"num_words":1,"start":2426.785,"end":2427.285},{"sentences":[{"text":"So on the far left hand side is $19.50.","start":2428.405,"end":2432.825,"sentiment":"neutral","sentiment_score":0.1466880531774627},{"text":"Far right hand side is 2025 end of twenty twenty 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changed.","start":2793.865,"end":2797.645,"sentiment":"neutral","sentiment_score":-0.16499309660866857},{"text":"But","start":2797.95,"end":2798.35,"sentiment":"neutral","sentiment_score":-0.04321197047829628}],"sentiment":"neutral","sentiment_score":-0.15782950095394077,"channel":0,"num_words":17,"start":2793.865,"end":2798.35},{"sentences":[{"text":"Yep.","start":2798.095,"end":2798.595,"sentiment":"neutral","sentiment_score":-0.0176074281334877}],"sentiment":"neutral","sentiment_score":-0.0176074281334877,"channel":1,"num_words":1,"start":2798.095,"end":2798.595},{"sentences":[{"text":"I'll call you an hour later.","start":2798.35,"end":2800.29,"sentiment":"neutral","sentiment_score":-0.005807462381199002},{"text":"Alright?","start":2800.3499,"end":2800.8499,"sentiment":"neutral","sentiment_score":0.031584132462739944}],"sentiment":"neutral","sentiment_score":-0.0004658059749220099,"channel":0,"num_words":7,"start":2798.35,"end":2800.8499},{"sentences":[{"text":"Yeah.","start":2801.5198,"end":2801.7598,"sentiment":"neutral","sentiment_score":0.05230545997619629},{"text":"Yeah.","start":2801.7598,"end":2802.0,"sentiment":"neutral","sentiment_score":0.0924161821603775},{"text":"No worries.","start":2802.0,"end":2802.66,"sentiment":"neutral","sentiment_score":0.19518136978149414}],"sentiment":"neutral","sentiment_score":0.13377109542489052,"channel":1,"num_words":4,"start":2801.5198,"end":2802.66},{"sentences":[{"text":"Beautiful.","start":2803.63,"end":2804.13,"sentiment":"positive","sentiment_score":0.6255000829696655}],"sentiment":"positive","sentiment_score":0.6255000829696655,"channel":0,"num_words":1,"start":2803.63,"end":2804.13},{"sentences":[{"text":"Alright.","start":2803.92,"end":2804.42,"sentiment":"positive","sentiment_score":0.35676974058151245}],"sentiment":"positive","sentiment_score":0.35676974058151245,"channel":1,"num_words":1,"start":2803.92,"end":2804.42},{"sentences":[{"text":"I'll send you a Calvary invite as well, but if you need","start":2804.5898,"end":2807.63,"sentiment":"neutral","sentiment_score":0.289142444729805}],"sentiment":"neutral","sentiment_score":0.289142444729805,"channel":0,"num_words":12,"start":2804.5898,"end":2807.63},{"sentences":[{"text":"Yep.","start":2807.5999,"end":2808.0999,"sentiment":"neutral","sentiment_score":0.08597966283559799}],"sentiment":"neutral","sentiment_score":0.08597966283559799,"channel":1,"num_words":1,"start":2807.5999,"end":2808.0999},{"sentences":[{"text":"anything in which one is just give me a call and I'll do the same.","start":2807.63,"end":2810.67,"sentiment":"neutral","sentiment_score":0.199026025334994},{"text":"Alright?","start":2810.67,"end":2811.17,"sentiment":"neutral","sentiment_score":0.2265343964099884}],"sentiment":"neutral","sentiment_score":0.20074529852718115,"channel":0,"num_words":16,"start":2807.63,"end":2811.17},{"sentences":[{"text":"Perfect.","start":2811.6267,"end":2812.107,"sentiment":"positive","sentiment_score":0.7954691648483276},{"text":"Thank you so much, Debbie.","start":2812.107,"end":2812.9468,"sentiment":"positive","sentiment_score":0.8626793622970581},{"text":"I really appreciate it.","start":2812.9468,"end":2814.1267,"sentiment":"positive","sentiment_score":0.8535724133253098}],"sentiment":"positive","sentiment_score":0.8523155629634858,"channel":1,"num_words":10,"start":2811.6267,"end":2814.1267},{"sentences":[{"text":"Okay, Simon.","start":2814.2769,"end":2815.077,"sentiment":"positive","sentiment_score":0.4258591830730438},{"text":"See you.","start":2815.077,"end":2815.317,"sentiment":"positive","sentiment_score":0.39855386316776276},{"text":"Bye.","start":2815.317,"end":2815.817,"sentiment":"neutral","sentiment_score":0.30117398500442505}],"sentiment":"positive","sentiment_score":0.39000001549720764,"channel":0,"num_words":5,"start":2814.2769,"end":2815.817},{"sentences":[{"text":"See you.","start":2816.1868,"end":2816.5068,"sentiment":"neutral","sentiment_score":0.2907778322696686},{"text":"Bye.","start":2816.5068,"end":2817.0068,"sentiment":"neutral","sentiment_score":-0.08072958886623383}],"sentiment":"neutral","sentiment_score":0.16694202522436777,"channel":1,"num_words":3,"start":2816.1868,"end":2817.0068}]},"summary":{"result":"success","short":"The speakers discuss the importance of diversifying income sources and creating equity in primary residence properties to avoid negative consequences for the customer. They stress the need to avoid negative consequences for the customer and avoid negative consequences for the agent. The process of retire from a retirement plan is complex and requires risk management, and the speaker emphasizes the importance of avoiding tax liability and providing a financial services guide for compliance purposes. The speaker provides advice on various topics such as government adventures, prepost, stocks, and deposit taking products, and emphasizes the importance of confidentiality and authority in advising clients on their retirement savings. They also discuss the importance of investing in cryptocurrencies and the potential risks associated with investing in them. The speaker emphasizes the need for a well-priced risk profile and the importance of investing in growth assets. They also mention scheduling a call for a later time."},"intents":{"segments":[{"text":"But so then you also want debt reduction in? You said bad debt, credit cards, personal loans, stuff that you can't deduct, car loans. We wanna try and get rid of it as soon as possible. Mhmm.","start_word":513,"end_word":549,"intents":[{"intent":"Evaluate financing options","confidence_score":0.00016283916}]},{"text":"And we assess that risk along the way as well.","start_word":735,"end_word":744,"intents":[{"intent":"Evaluate relationship benefits","confidence_score":0.019388247}]},{"text":"I'll give you $90,000, but you owe me 5% interest rate every year. Right? Yep.","start_word":1021,"end_word":1035,"intents":[{"intent":"Clarify owed interest rate","confidence_score":0.013336341}]},{"text":"So what happens then to be able to essentially retire is you you need to sell something and move stuff around and change ownership and the trust structure and things like that.","start_word":1356,"end_word":1387,"intents":[{"intent":"Discuss retiring options","confidence_score":0.00006495611}]},{"text":"They're gonna have to face the, you know, the storms, the hail, the shine, the winds, the rains, floods. Yeah. Yep. But at least they got a really big canopy over hanging over them to to assist them and give them a better opportunity of growth. Right? Yeah.","start_word":1652,"end_word":1699,"intents":[{"intent":"Guide customer","confidence_score":0.0011340601}]},{"text":"Gold Coast Wealth and Books, the mortgage broker. We got Finance Mhmm. Industry Australia. They do commercial and and and and personal lending for, like, marginal and things like that. KJ and Okay. associate lawyers, and then some of the more accounts. And we also got CJN, which are another set of lawyers. So just so you're aware, if you need any other services across special scope, those are the guys we work with. Mhmm.","start_word":2119,"end_word":2193,"intents":[{"intent":"Inform and provide services","confidence_score":0.000010300832}]},{"text":"So any advice I can give that just means that I can give any advice on any product around the world. It doesn't bother me.","start_word":2688,"end_word":2712,"intents":[{"intent":"Provide advice","confidence_score":0.05319577}]},{"text":"So just to give you a breakdown of, you know, what advice you can give advice on, any government adventures, prepost, any stocks or bonds, life insurance, and life investments insurance, any basic or, you know, complex payments and deposit taking products, IDAs.","start_word":3043,"end_word":3085,"intents":[{"intent":"Provide advice","confidence_score":0.64835644},{"intent":"Provide financial advice","confidence_score":0.00037187777}]},{"text":"pretty much what I'm gonna be recommending for your 25 grands if you wanted me to. That's Yep.","start_word":3132,"end_word":3149,"intents":[{"intent":"Recommend investments","confidence_score":0.35549617},{"intent":"Recommend investments","confidence_score":0.1272445}]},{"text":"margin lending, which is, Mhmm. you know, it's not every adviser. If you have to be giving advice for a certain amount of time to be able to do that, I have been so, yeah, if you wanna do margin lending, so borrowing against the property to invest in shares, we can assist Yes.","start_word":3231,"end_word":3284,"intents":[{"intent":"Introduce advisers","confidence_score":0.0018801001}]},{"text":"So next question, Jim, questions about that? Or Mhmm.","start_word":3312,"end_word":3320,"intents":[{"intent":"Ask questions","confidence_score":0.03894618}]},{"text":"this confidential consultation is understanding what you're looking for. Mhmm.","start_word":3343,"end_word":3352,"intents":[{"intent":"Explain consultation process","confidence_score":0.040476773}]},{"text":"So part of the long run service fee, which is a percentage I'll walk you through in a second, is is we we catch up and we give you a call or we give you an update every quarter. Okay.","start_word":3673,"end_word":3712,"intents":[{"intent":"Inform about service fee","confidence_score":0.0083337}]},{"text":"Perfect.","start_word":3924,"end_word":3924,"intents":[{"intent":"Educate about services","confidence_score":0.00086241425}]},{"text":"If you wanna do something more complex because you've got all that sorted out, it's a $22,200 letter of engagement to get that plan started and same as for the retirement basis. Right?","start_word":4226,"end_word":4258,"intents":[{"intent":"Clarify plan details","confidence_score":0.00003932541}]},{"text":"down, I don't think it's worth paying, you know, the $2,200 fee out of your back pocket to get to just get an extra portfolio recommendation on $25. Right?","start_word":4347,"end_word":4375,"intents":[{"intent":"Inquire about fee","confidence_score":0.008408206}]},{"text":"down, I don't think it's worth paying, you know, the $2,200 fee out of your back pocket to get to just get an extra portfolio recommendation on $25. Right? I Yeah.","start_word":4347,"end_word":4377,"intents":[{"intent":"Propose fee","confidence_score":0.009283139},{"intent":"Offer services","confidence_score":0.002523048},{"intent":"Suggest service fee rate","confidence_score":0.000020331225}]},{"text":"happy with that Yeah. if Thanks. you're happy Yeah. with that, No. we I'm happy can with that. beautiful.","start_word":4395,"end_word":4413,"intents":[{"intent":"Express gratitude","confidence_score":0.047667973},{"intent":"Confirm understanding","confidence_score":0.065701514},{"intent":"Express gratitude","confidence_score":0.021567218}]},{"text":"Now we do charge a ongoing service fee. If you go on to the next page, for an individual Mhmm. client like yourself, we charge a management fee by percentage. There's two ways you can charge us every year.","start_word":4418,"end_word":4456,"intents":[{"intent":"Explain fee structure","confidence_score":0.03882149},{"intent":"Explain fee structure","confidence_score":0.084731534}]},{"text":"One is what I call the loyal way, which is the way we don't charge because I don't know if you ever dealt with lawyers, but I do all the time for compliance purposes to make sure that we run compliantly.","start_word":4457,"end_word":4497,"intents":[{"intent":"Discuss policy","confidence_score":0.00017826998},{"intent":"Discuss business model","confidence_score":0.00012997375}]},{"text":"and reflect within the fees, we charge a percentage based out of the management of the assets we manage. So if it's just superannuation, we will charge a percentage based of that. One, it's tax effective again.","start_word":4663,"end_word":4699,"intents":[{"intent":"Propose percentage billing","confidence_score":0.0011095325}]},{"text":"So if you're looking at the annual fee, the percentage base is $0. 200,000 is 1.65% increase in GST. When you get over to when we make over $200,000 to 500,000, we try we drop the percentage base fee down to 1.375%, inclusive Mhmm.","start_word":4794,"end_word":4837,"intents":[{"intent":"Analyze fees","confidence_score":0.008435822}]},{"text":"I'll talk to my wife about it too.","start_word":5025,"end_word":5032,"intents":[{"intent":"Talk to wife","confidence_score":0.0016988028}]},{"text":"And maybe we can both join it together, but let's Well, wait and either way, it's yeah. I mean, either way, it's gonna be yeah. If we if we look after your stuff, you see you see. see the benefit of the twelve months. It'll be a lot easier with numbers too and proof to be able to convince that. Right? Yeah.","start_word":5072,"end_word":5133,"intents":[{"intent":"Join company","confidence_score":0.004820316}]},{"text":"If we if we look after your stuff, you see you see. see the benefit of the twelve months. It'll be a lot easier with numbers too and proof to be able to convince that. Right? Yeah.","start_word":5097,"end_word":5133,"intents":[{"intent":"Evaluate benefits","confidence_score":0.0049285367}]},{"text":"referral fees from anybody.","start_word":5195,"end_word":5198,"intents":[{"intent":"Accept referral fees","confidence_score":0.011893007}]},{"text":"Last point that I wanna touch on is the complaint.","start_word":5283,"end_word":5292,"intents":[{"intent":"Discuss complaint","confidence_score":0.31219274}]},{"text":"so the first step is what we call an IDR, the internal dispute resolution. And that means you get in touch with the compliance manager or responsible manager of the ASL itself and Mhmm. speak to them about it.","start_word":5376,"end_word":5414,"intents":[{"intent":"Resolve internal dispute resolution","confidence_score":0.00819976},{"intent":"Speak to compliance manager","confidence_score":0.45232925}]},{"text":"So so for that reason, we've got two RNs of licensed individuals, which usually they're accompanied for protection, but I like to take I like to take responsibility for my actions upon their stuff.","start_word":5461,"end_word":5494,"intents":[{"intent":"Take responsibility","confidence_score":0.09213671}]},{"text":"And that's why he is a he is a secondary RM on the license. So he would probably just speak to him. I said, hey. He said he's wrong way. My money ends. Like I said, it won't happen, but he will work with you to work it up. If, Yeah.","start_word":5504,"end_word":5554,"intents":[{"intent":"Work together","confidence_score":0.3661341}]},{"text":"But you go to ATCO, which is next EDR, next external dispute resolution, which is the Australian Financial Complaints Authority. Their phone number Okay.","start_word":5596,"end_word":5619,"intents":[{"intent":"Reach atco","confidence_score":0.008584506}]},{"text":"They'll come they're amazing. They come down with their lawyers that didn't make it in the real world, so they gotta work Mhmm. back up. And they've gotta be in their buttock because they didn't make it in the real world, and they just wanna prove themselves to the government or whatever they're working for. Right? So they Yeah.","start_word":5628,"end_word":5686,"intents":[{"intent":"Prove government/government","confidence_score":0.00031258725}]},{"text":"Last thing I'm gonna do is I'm gonna run you through a well, I've already got most of your fact find. I'll confirm those details.","start_word":5725,"end_word":5749,"intents":[{"intent":"Confirm information","confidence_score":0.03526684},{"intent":"Confirm information","confidence_score":0.0043005557}]},{"text":"I had to make these questions up, asking in the federal government too. So some of Mhmm. them are pretty pretty dumb. I'll let you know. You'll you'll you'll work out which ones are the best. But Yeah. that's Yes. fine. But I do have to ask them. K?","start_word":5768,"end_word":5816,"intents":[{"intent":"Ask and select questions","confidence_score":0.000013886931}]},{"text":"So how would you rate your willingness to take financial risk? Would you say that you're a very high risk taker, high risk taker, average risk taker, or low risk taker? Low risk taker.","start_word":5845,"end_word":5878,"intents":[{"intent":"Ask about willingness to take financial risk","confidence_score":0.03187062}]},{"text":"So how would you describe your experiences with the investment market?","start_word":5972,"end_word":5982,"intents":[{"intent":"Discuss investment experiences","confidence_score":0.055476174},{"intent":"Discuss previous experience with investment markets","confidence_score":0.00010580023}]},{"text":"Would you say that you have you have you'd say you're an investment lover. She's never really done it, but she's naturally cautious. Or would you say that you've lost too much money in the past and never wanna do it again?","start_word":6020,"end_word":6061,"intents":[{"intent":"Explain investor's cautiousness","confidence_score":0.0005312439}]},{"text":"Have you ever thought about taking out a loan to invest? One, you have borrowed or open to borrowing for stocks and funds, if it's appropriate. Two, you have borrowed or open to borrowing for investment properties. Or three, you would only bought borrow for investment property. Or four, you're never gonna borrow. I'm certainly open to borrowing from a bank for investment properties. Yeah.","start_word":6466,"end_word":6530,"intents":[{"intent":"Evaluate loan options","confidence_score":0.066859156}]},{"text":"So there's four ingredients in the pot, which is your time horizon, your risk profile, which is what works now now, your risk Yep. capacity, and your risk tolerance. And all four of them kinda work together. So the Mhmm.","start_word":6752,"end_word":6791,"intents":[{"intent":"Explain investment strategy","confidence_score":0.004304974}]},{"text":"So that that's five that's the most aggressive asset outside view of equity you can invest in. Right? So Yep.","start_word":7796,"end_word":7815,"intents":[{"intent":"Evaluate asset options","confidence_score":0.007991987}]},{"text":"When's the best time for me to Yep. give you a callback?","start_word":8420,"end_word":8431,"intents":[{"intent":"Schedule call with adviser","confidence_score":0.06172982}]}]},"sentiments":{"segments":[{"text":"Hello, Savvy.","start_word":0,"end_word":1,"sentiment":"neutral","sentiment_score":-0.11041057854890823},{"text":"I lost you. Yeah. Yeah. They they went silent and they went they hung up on me. I'm not boring you already.","start_word":2,"end_word":23,"sentiment":"negative","sentiment_score":-0.4598085284233093},{"text":"Yeah. I don't know.","start_word":24,"end_word":27,"sentiment":"neutral","sentiment_score":-0.2659468650817871},{"text":"I don't know what was happening.","start_word":28,"end_word":33,"sentiment":"negative","sentiment_score":-0.34385982155799866},{"text":"Anyway. Yeah. Hey, Roger. So yeah. So we we it's those insurances. If if something goes wrong, do you wanna make sure that you're covered for the rest of Yeah. your time? Like, there's insurances there. There's these weird things you pay all this money for and the best outcome is nothing happens. Right? Like, Yeah. if if I nothing know. happens yeah.","start_word":34,"end_word":96,"sentiment":"neutral","sentiment_score":-0.13518905639648438},{"text":"So they they it's but if nothing happens and you pay for coverage your entire life, then you don't get a refund of the premiums you pay.","start_word":97,"end_word":123,"sentiment":"negative","sentiment_score":-0.3724333345890045},{"text":"Right?","start_word":124,"end_word":124,"sentiment":"neutral","sentiment_score":-0.25417670607566833},{"text":"So it's it's the worst financial decision you can have. No return on in debt.","start_word":125,"end_word":139,"sentiment":"negative","sentiment_score":-0.6512399315834045},{"text":"Yeah. I know. Yeah.","start_word":140,"end_word":143,"sentiment":"neutral","sentiment_score":-0.20132170617580417},{"text":"But it's a necessary evil one.","start_word":144,"end_word":149,"sentiment":"negative","sentiment_score":-0.3699110746383667},{"text":"So therefore, with that said, you need it, especially Mhmm. if you take it on debt. So you need Mhmm. to make sure that that's covered. And but in saying that you wanna you need to make sure that's covered for enough. Right? You know, you wanna and we calculate that. We work out what your needs are based on future income needs and all that for debts and what Yep. to pay out. So, Mhmm. yeah, it's it's really important to assess that as well because Yeah.","start_word":150,"end_word":237,"sentiment":"neutral","sentiment_score":-0.05220327153801918},{"text":"if you're over if you're over insured, it's just as bad as being underinsured.","start_word":238,"end_word":251,"sentiment":"negative","sentiment_score":-0.3943522572517395},{"text":"Sure. And it's Yeah.","start_word":252,"end_word":255,"sentiment":"neutral","sentiment_score":-0.1335316151380539},{"text":"I mean, yeah, if you're over insured, you're paying too much money for premiums or cover you don't need.","start_word":256,"end_word":274,"sentiment":"negative","sentiment_score":-0.3615727424621582},{"text":"And if Yeah.","start_word":275,"end_word":277,"sentiment":"neutral","sentiment_score":-0.17333203554153442},{"text":"you're under insured, you're paying all these premiums that cover that doesn't suit your needs.","start_word":278,"end_word":292,"sentiment":"negative","sentiment_score":-0.42030930519104},{"text":"So what's the point in paying for that at all? Alright. Yeah. Yeah. Yeah. So That's important. Sure. yeah. So we can definitely calculate that, and I'll give a recommendation. Struct our infrastructure didn't find that super because we're looking at super anyway. Yep. So that works in the background. Obviously, your accounting taxation, just getting the accountant is probably the best best kind of area in that because especially with your kind of wage. Right? Mhmm. Yep. Now after that, what we do is I like to call these perfect foundations. You know, once you got the roots in place, you wanna get the trunk of the tree. And if this trunk is steady and strong, like, think about four pillars made Mhmm. out of bricks and mortar, if you would, Mhmm.","start_word":293,"end_word":425,"sentiment":"neutral","sentiment_score":0.14693138569145275},{"text":"They are essentially creating a relationship with your money, very very important, so cash flow and budgeting.","start_word":426,"end_word":442,"sentiment":"positive","sentiment_score":0.4091566503047943},{"text":"Then getting some sort of non a nondeductible appreciating asset. Usually, first time's been a couple of first time final price for residents is a good one because there's no capital gains tax on it. Yeah. That's that's what we're looking at. So you we're looking at kind of, like, the setting up at at the moment, setting up the roots in the trunk or the mono. Yeah. True. Right? But so then you also want debt reduction in? You said bad debt, credit cards, personal loans, stuff that you can't deduct, car loans. We wanna try and get rid of it as soon as possible. Mhmm. And then that you know, what what happens to your state if something does go wrong and you get all this insurance one? What do we do? So the state plan has been one of those foundations as well. That's that's your will, power of attorney, stuff like that. Yep. Yep. Okay? So the one that's that's the boring part. That's the that's the starting stages that we wanna set up because the next one's the sexy part. Do you want?","start_word":443,"end_word":630,"sentiment":"neutral","sentiment_score":0.10054441541433334},{"text":"So Cool. that's that's yeah.","start_word":631,"end_word":635,"sentiment":"positive","sentiment_score":0.36890506744384766},{"text":"That's the branching out space.","start_word":636,"end_word":640,"sentiment":"neutral","sentiment_score":0.25809624791145325},{"text":"So think about diversifying, getting different avenues of the the of appreciating assets that are not only appreciating in value, but they're also deductible. You can bring in yield, things like commercial factories, commercial properties, shared Yep. portfolios. The majority of that is essentially creating equity in your primary place residence so that you can leverage and buy more assets because you Yep.","start_word":641,"end_word":703,"sentiment":"positive","sentiment_score":0.4381905567078363},{"text":"don't have to Okay. crystallize on it. Right? Mhmm. And this is where what I mean by, like, through remember when I said about LDR loans evaluation. It's really important. Yes. And we assess that risk along the way as well. So pretty long term, you and I are gonna be working together for a while and, you know, Mhmm. we're just I guess, we're just fortunate to kinda, you know, be seen with myself because I don't have that many clients anymore being in my position. But Yep. I like to get I like to get on on the blow sometimes and see if I still got it. You know? Yeah. For sure. It's gonna be a long term relationship. So if you don't, if for Mhmm. some reason you don't like me or you don't think that's likely, you don't trust me or you don't can't work with me or whatever it might be, just be Mhmm. honest, be open about it because we can get somebody else deal with it or, you know, it's it's it's Yeah. really No important worries.","start_word":704,"end_word":887,"sentiment":"neutral","sentiment_score":0.09488516300916672},{"text":"that you have a good relationship with your partner.","start_word":888,"end_word":896,"sentiment":"positive","sentiment_score":0.39252153038978577},{"text":"Alright? Yeah.","start_word":897,"end_word":898,"sentiment":"neutral","sentiment_score":0.29142138361930847},{"text":"For sure. Beautiful.","start_word":899,"end_word":901,"sentiment":"positive","sentiment_score":0.5140057802200317},{"text":"So part of that branching out, Paige, is is looking at essentially OPM, Mhmm. other people's money. Okay? And this is like a good example of this is just, let's say, you got $10,000, numbers like this. Right?","start_word":902,"end_word":939,"sentiment":"neutral","sentiment_score":0.2365237921476364},{"text":"So $10,000, you put it in an investment, shares, property, whatever it is, that grows by 10% in a year. You made a thousand dollars in that year. Congratulations.","start_word":940,"end_word":968,"sentiment":"positive","sentiment_score":0.46945351362228394},{"text":"Alright? But then you pay tax on it. However, if you take that this number's sake, but if you take that same $10,000 and you go to an institution like a bank or investment bank or whatever it might be, private equities, and you get $90,000. And they those two said, alright. I'll give you $90,000, but you owe me 5% interest rate every year. Right? Yep. Then you go, not a problem. That's $4,500 that you owe that person or the or the facility of having $90. Right? But now you got a 100 Mhmm. thousand dollars, 90,000 plus 10,000. So if you invest that 10 that a 100,000 now in the exact same investment that makes the exact same 10% in that exact same year, you've made 10,000. You owe Yeah. the guy that gave you the facility 4,500 5% or $90. You pay in the 4,500. You're left with $5,500. Right? Just face Yeah. value. So that Yep. means you just 55 time you're 55% 55 times your your return. Yeah. Essentially, Yeah. from Okay. a thousand to five times, so it's a 55% return on investment to Mhmm. your investment, 12 to 10. Mhmm. And that's Yeah. It's theory.","start_word":969,"end_word":1171,"sentiment":"neutral","sentiment_score":0.03821820677648037},{"text":"pretty That's good.","start_word":1172,"end_word":1174,"sentiment":"positive","sentiment_score":0.361253023147583},{"text":"the leveraging. Yeah. Yep. There's risk involved. You got margin maintenance. You also got margin loans, things like that, margin calls. You know, Mhmm. when that happened, but you can a lot of people don't realize is that when a margin calls when a margin being called by a facility, you can top that margin up with the maintenance level. You can add towards it and then you can keep the investment if you believe it's gonna continue going up. Okay. So there's lots of positive, but that gives you a little bit of a reload on of what that is. And let's just say we do that usually about ten, fifteen years. You just diversify. You build up your overall asset portfolio, then Mhmm. you can retire. If you hang your boots up, you're 55 years old, let's say, and you're really comfortable.","start_word":1175,"end_word":1318,"sentiment":"neutral","sentiment_score":0.09945069998502731},{"text":"You say, look, I'm bad enough. That's that's I don't wanna work anymore. I've got nothing come coming from my investment.","start_word":1319,"end_word":1339,"sentiment":"negative","sentiment_score":-0.48841750621795654},{"text":"Just for $5,000 a week. Right? Yep. Yep. So let then you hang up your boots. So what happens then to be able to essentially retire is you you need to sell something and move stuff around and change ownership and the trust structure and things like that. What happens when that happens is you get a liability of capital gains tax. We don't like taxes like we said No.","start_word":1340,"end_word":1409,"sentiment":"neutral","sentiment_score":-0.005985637661069632},{"text":"before. We don't.","start_word":1410,"end_word":1412,"sentiment":"negative","sentiment_score":-0.3771344721317291},{"text":"Because if you ask me, it sounds like you've taken all the risk on post tax dollars to be able to get yourself into that position in the first place. And now when Chris Yep. learns, you gotta pay more tax. That Yeah. sounds Yeah.","start_word":1413,"end_word":1457,"sentiment":"neutral","sentiment_score":-0.19639728963375092},{"text":"a little sounds a little bit unfair to me.","start_word":1458,"end_word":1466,"sentiment":"negative","sentiment_score":-0.4008066654205322},{"text":"But Yes. that's why we need. So what we do is we we look at ways to mitigate that liability, which is TTR Mhmm. structures like transition to retirement strategies, the super. You can really stop the tax man between the ages 60 and 65. I like to call it the Goldilocks zone because you can just write everything off. But Mhmm. if Yeah. it's before that, you can distribute proceeds by through trust structures, supplementary funds in it, with Social Security strategies a little bit down the track as well. So that is Okay. that that's more of the really kinda complex areas to try and mitigate liabilities in the most legal way possible. Obviously, Yep. everything that is legal. And then after you do that, you get to the seeding stage. So your children and then get into generational wealth can grow. Mhmm. And then the process starts again with them, hopefully with hope. And, yeah, the they started the seating level and, you know, essentially, once they start sprouting on the ground, they'll still have to throughout their life financial lives. They're gonna have to face the, you know, the storms, the hail, the shine, the winds, the rains, floods. Yeah. Yep. But at least they got a really big canopy over hanging over them to to assist them and give them a better opportunity of growth. Right? Yeah. For sure.","start_word":1467,"end_word":1700,"sentiment":"neutral","sentiment_score":0.1370503869958413},{"text":"Cool.","start_word":1701,"end_word":1701,"sentiment":"positive","sentiment_score":0.446182519197464},{"text":"So that's kind of a a few cycle, if you would. Yep. To give you an idea, so let's set up those roots in trunk and well, but firstly, the roots because it'll be cheaper for you from a fee perspective. And I'll walk you through that in a second. But the next couple pages just need our experienced team. Our story is a, you know, low down of why who we are, why we started, where we were. And that's myself, picture myself, my business partner. The next page is myself being a little blurred about how awesome I am. Feel free to read it in your own time. Yeah. Yep. Will do. And there's all the degrees and to see the the the my authorized representative number on the asset. I'll show you that in a little bit as well. Yep. But then there's a little load bubble that are kinda senior team of our in our firm, we've got a team of about 43 employees. So, you know, just to give you depth of company, you can call up. And if I'm not Mhmm. available in a meeting or away or something, Yep. there'll always be someone there to help you. Alright? Okay. So yep.","start_word":1702,"end_word":1909,"sentiment":"neutral","sentiment_score":0.12398198992013933},{"text":"Beautiful. Beautiful.","start_word":1910,"end_word":1911,"sentiment":"positive","sentiment_score":0.50145024061203},{"text":"Right at the bottom so yeah. Like I said, if you any of these documents, if you're struggling to sleep some night, then just have a flick through this so I'll knock you out pretty quick. But Yep. green Perfect. green green OVA section down at the bottom is well, a little thing that Greg's called OPA Australia, and Mhmm. it's a product collaboration of expertise. So I'm not a mortgage broker. I'm not an accountant. I'm actually qualified to do everything accountant does, but I'm not registered under the tax practitioners board because I can't think of anything worse than doing tax returns and being in the accountants. So I was Okay. Yeah. kinda Yep. like, you know, so then there's no left to be perfectly then. Yep. No. So for that reason, we I I've kind of teamed up with people, and I've been more individuals and firms that I've been working with forever. You use Mhmm. them personally. We don't get any referral fees between us. None of that nonsense. So I prefer somebody else over someone else because they give me a bigger fee. Yes. If these are just so QCA is our commercial accounts and they look after our other stuff. Yeah. Gold Coast Wealth and Books, the mortgage broker. We got Finance Mhmm. Industry Australia. They do commercial and and and and personal lending for, like, marginal and things like that. KJ and Okay. associate lawyers, and then some of the more accounts. And we also got CJN, which are another set of lawyers. So just so you're aware, if you need any other services across special scope, those are the guys we work with. Mhmm. Okay? No. Perfect. Okay.","start_word":1912,"end_word":2197,"sentiment":"neutral","sentiment_score":0.03843286069487775},{"text":"Beautiful. Lovely.","start_word":2198,"end_word":2199,"sentiment":"positive","sentiment_score":0.5474768877029419},{"text":"Now going to the boring stuff for compliance, the next attachment in that email I sent you Yep. is the financial services guide for compliance purposes. I do need to go through these. Mhmm. Yeah. It's fine. So we'll go through step by step, one, two, and three. Mhmm. Hold on. I just lost my email. I'm gonna open up the same documents again. Yep. Go. Financial services guide. Okay. Okay. So on the front page, are you looking at that picture again, the gold ghost? Yes. Okay. So this is the financial services guide. Financial services guide is a legal document that essentially outlines all all of our services, what we're licensed to give advice in, who we authorize under, and it's got all of our license numbers and everything else along our entire scope. Alright? So Mhmm. we as a of the financial Mhmm. we we are one of the few boutique firms that actually have been awarded their own Australian financial services license. Do you know what that No. means? Okay. So most boutique financial planning firms, they work with as what's called a corporate authorized representative of somebody else that's on there itself. So most Mhmm. of those people are like the big banks. But, again, going back onto our everything we do is based on that vision of being the most trusted financial planning firm in Australia. Yep. If I was licensed under a Commonwealth Bank and you were looking at superannuation, I don't think Commonwealth Bank is my principal, my licensee, would like it very much if I thought that I would recommend BTG products, which are Westpac. Right? Yeah. No. They wouldn't. Correct. So that means that I'm limited to the scope of pretty much only what's on the APL or a call approved product list is limited to whatever products they they created. Right? Because Yep. it means Yep. more money for them. But that's Uh-huh.","start_word":2200,"end_word":2523,"sentiment":"neutral","sentiment_score":-0.02545444230710007},{"text":"not looking after your best interest as a client.","start_word":2524,"end_word":2532,"sentiment":"negative","sentiment_score":-0.34874072670936584},{"text":"Looking after my principal's best interest as a Yep. for sale. Yeah. Exactly. Right? So that Mhmm.","start_word":2533,"end_word":2549,"sentiment":"neutral","sentiment_score":-0.17994347214698792},{"text":"so that's a big conflict for me. I don't I don't believe that product makers should be able to be product providers and advise them what products to buy. Think there's too Mhmm. much of a bias in conflict of interest there.","start_word":2550,"end_word":2591,"sentiment":"negative","sentiment_score":-0.4829031229019165},{"text":"So for that reason, and we we applied for our own AFSO. And ASIC declined us because we're waiting. I usually get an AFSO up for, like, ten, twenty years of being in solid business. Right? They and I think by now, like, the second youngest firm to have a good one, something like that. Yeah. But, Right. yeah, we we essentially got our own API as well, and that's 513068. What that means is there's Mhmm.","start_word":2592,"end_word":2668,"sentiment":"neutral","sentiment_score":-0.0482572577893734},{"text":"no one above us telling us what to do other than us.","start_word":2669,"end_word":2680,"sentiment":"negative","sentiment_score":-0.41753748059272766},{"text":"Yep. Right? Cool. Which is it. So any advice I can give that just means that I can give any advice on any product around the world. It doesn't bother me. I can just add Yes. it. Like, it doesn't whatever is in your best interest, essentially. So Yeah.","start_word":2681,"end_word":2729,"sentiment":"neutral","sentiment_score":0.18036385154237553},{"text":"that Good.","start_word":2730,"end_word":2731,"sentiment":"positive","sentiment_score":0.3777560591697693},{"text":"goes on this a little bit more about the purpose of this financial services guide. I'm going to number two, who we are. Again, that's what Mhmm. I just explained. HP Yep. Financial, we run our own rate for self. We gotta put this in in a box as well under the corpse act, corporations act, Mhmm. a lack of independence. We aren't really Mhmm. allowed to say that we are independent, unbiased, or impartial because we Mhmm. have assets above us, and we also receive commissions from insurance providers. Okay? Okay. Yep. Now number four, going down services we provide, I I can give you advice on pretty much anything. I can tell you about shares in Lithuania that invest in Apple companies if you want. So I don't really care. I'll probably highly recommend against it. But, you know, I don't think Apple should grow that well or Lemons would grow that well in Lithuania.","start_word":2732,"end_word":2888,"sentiment":"neutral","sentiment_score":0.012889518402516842},{"text":"Thanks for the hardiness.","start_word":2889,"end_word":2892,"sentiment":"positive","sentiment_score":0.3538525700569153},{"text":"No. But, It's you quite know, it's it's funny if you're on Lithuania because the friend I was hanging out with this morning, he just got back from Lithuania. And he is he is the yeah. Yeah. He's that's his he's got a lot of family over there, so he went over and visited. And grandfather had, like, a art gallery over there or something. He's telling me how much he loved it. But Well, yeah. Well, there you go. This is the waiting room maybe again. well, it's just as we have the flow of life turns our way. Right? Like when you law of attraction, maybe we're meant to talk. But Yeah. Maybe. maybe we'll we'll say that in another, say, twelve months when you put boys growing. Yeah. Yeah. Yeah. Because if the market's Yeah. Yeah.","start_word":2893,"end_word":3031,"sentiment":"neutral","sentiment_score":0.08140213787555695},{"text":"full, then you wouldn't be happy.","start_word":3032,"end_word":3037,"sentiment":"negative","sentiment_score":-0.7326127886772156},{"text":"Right? Yeah. I know. Sure. So just to give you a breakdown of, you know, what advice you can give advice on, any government adventures, prepost, any stocks or bonds, life insurance, and life investments insurance, any basic or, you know, complex payments and deposit taking products, IDAs. We can Mhmm. Yep. do any sort of retirement savings, any managed investment fees private and public, if not a few of them, Like, property trusts and non listed property trusts, private stuff like that. IDPS is signed to investor director portfolio services. So that's Mhmm. pretty much what I'm gonna be recommending for your 25 grands if you wanted me to. That's Yep. all I have, you know, rate and investment products, not anything under rated or unclassified. Any and all Okay. securities including foreign exchange, any and all retirement savings account products or account based pension, you know, endowment policies, things like that. Just Mhmm. renovation, which is including inclusive of self managed super funds, both partners and the specialist. What is hidden is, like, a hidden menu because you're my client, you'll have access to it, I guess, Mhmm. which is Yep. margin lending, which is, Mhmm. you know, it's not every adviser. If you have to be giving advice for a certain amount of time to be able to do that, I have been so, yeah, if you wanna do margin lending, so borrowing against the property to invest in shares, we can assist Yes. you with settlements. We can ask you around that as well. Okay? So pretty Mhmm. much anything we've got Yeah. Right. now, and I hope you have. So next question, Jim, questions about that? Or Mhmm. No. That's all that's all fairly straightforward. Barely. now on number five, this is just how we do an advice. So Yep. this confidential consultation is understanding what you're looking for. Mhmm. That's the initial client contact. We identify goals in which we have, and they'll do risk for a lot. From Yep. there, we got client advice presentations. So in another two weeks or so, we'll catch up again. I will Yep. walk you through a probably over Zoom or something for the base of the name. I walk you through what's called a statement of advice, which is Yep. legally binding document. And everything that we do to get financial advice, we have to do by way of statement of advice if it's personal. Mhmm. It just means there's all just down in the corporation's and all the rest of it, it just it just outlines everything in writing exactly what we're recommending for you and why. You've Yeah. got advantages, Sure. disadvantages of each strategy risks involved as well as as well as any alternatives we consider. And Mhmm. we'll show you all the numbers in that so that it protects you and protects us as well in case you say, well, you didn't say that. You know what I mean then. Or you say to Hassick because you got a complaint or something that you Yep. you say, I can say I didn't say that, but you say, well, you did because it was written right here. Right? Yeah. Okay. And Mhmm.","start_word":3038,"end_word":3576,"sentiment":"neutral","sentiment_score":0.07342811458932447},{"text":"then I'll so I'll represent that, and you can see the benefits of our service so we can get you in a better position looking for your goals and objectives.","start_word":3577,"end_word":3606,"sentiment":"positive","sentiment_score":0.422904372215271},{"text":"From there, you'll essentially give us what's called an ATP. So an authority to proceed, Mhmm. which is that client Mhmm. consent to proceed. From there, we start implementing advice and then we are not a setting for that kind of place. We have been doing this for almost a decade now, so we'd hope not. Mhmm. Yeah. And Yeah.","start_word":3607,"end_word":3666,"sentiment":"neutral","sentiment_score":-0.019887752830982208},{"text":"so we keep you on track.","start_word":3667,"end_word":3672,"sentiment":"positive","sentiment_score":0.3973780870437622},{"text":"So part of the long run service fee, which is a percentage I'll walk you through in a second, is is we we catch up and we give you a call or we give you an update every quarter. Okay. And every Yep. twelve months, we need to re re reassess your entire situation because, you know, if you buy a property and you've got us, like you said, maybe $700,000, $600,000 loan, your property, let's say, in a year's time, you're gonna go $550,000 worth of debt worth of debt, and your property is growing by a $100. That means you've opened up capacity or LDR of of about thirty nine months at a $150,000. Mhmm. So Yeah. then we'll have Yeah. to reassess your insurances. And every year Yeah. that you get older, the more Yeah.","start_word":3673,"end_word":3810,"sentiment":"neutral","sentiment_score":0.03161536254312681},{"text":"expensive insurance becomes because Yeah. you get more risky to insurance company.","start_word":3811,"end_word":3822,"sentiment":"negative","sentiment_score":-0.4209568798542022},{"text":"So Mhmm. the way we counteract that expense is we reduce the amount of the sum insured. But we Mhmm. need to again, we need to make sure that if we're looking at insurances, we need to make sure that it's enough. Yeah. So Yep.","start_word":3823,"end_word":3867,"sentiment":"neutral","sentiment_score":-0.11323408037424088},{"text":"we and then eventually, you'll just have no debts and you'll be self insured because you can facilitate your own needs at the outcome. That's a nice outcome.","start_word":3868,"end_word":3895,"sentiment":"positive","sentiment_score":0.43137165904045105},{"text":"Right? Yeah. So Okay. that and we adjust portfolios if need to. We do everything. That's part. We do the process again. Essentially, that's what your ongoing services.","start_word":3896,"end_word":3923,"sentiment":"neutral","sentiment_score":0.12245937436819077},{"text":"Perfect.","start_word":3924,"end_word":3924,"sentiment":"positive","sentiment_score":0.33911481499671936},{"text":"Now onto the fees and the charges. So we are professional service. We do charge a professional Mhmm. service fee. And it depends on what you want to start working. So Mhmm. Mhmm. each stage has a different fee structure along with that process. Right? So at the moment, we've understood that you are looking up or looking at superannuation insurances. So that's the roots. We Yep. will do you we will give you a complimentary statement of advice for that because it's a very Mhmm. big document just like a carpenter or, you know, a a a a a carpenter will build a desk. We build Yep. a statement of advice, same kind of thing, except it's just, you know, intellectual property instead of actual property. Mhmm. So for something like superannuation insurance recommendations to bring you on board as a client, that's that's complimentary until you, one, should proceed. Mhmm. At Mhmm. any stage, when you proceed and you give us that authority to proceed because you can see the benefit in it, we will charge out of say, if it's super, we'll charge out the assets under management. We'll charge $13,950. Mhmm. So that's that's on service fee, and we can charge that out of stupid.","start_word":3925,"end_word":4133,"sentiment":"neutral","sentiment_score":0.07520380330998361},{"text":"So it doesn't cost you anything out of your back pocket. It's also tax effective. Yeah. Okay. That's good.","start_word":4134,"end_word":4152,"sentiment":"positive","sentiment_score":0.45940616726875305},{"text":"K? So now out of pocket cost for the root stage. Mhmm. And then, you know, at there's a bit so moving forward, say you wanna do a debt reduction strategy or cash on budgeting strategy. We're so we need you to we'll send you out a letter of engagement and I will charge you $1,650, inclusive GST, to get that plan started, which is also the roots and Mhmm. then branching out. If you wanna do something more complex because you've got all that sorted out, it's a $22,200 letter of engagement to get that plan started and same as for the retirement basis. Right? So calling Yep. it again, hanging up your boots. So I'm assuming you probably wanna go ahead with the root stage. Just get Yeah. this get a get a recommendation on the super insurance, charge everything out super, see how we go, and then we'll start moving on to, like, the shared portfolios and things like that. Yeah. I think so.","start_word":4153,"end_word":4319,"sentiment":"neutral","sentiment_score":0.1394108682870865},{"text":"I think that's Yeah. a good start.","start_word":4320,"end_word":4326,"sentiment":"positive","sentiment_score":0.5247959494590759},{"text":"Yeah. Yep. I don't think just by looking at your situation, breaking that initial kind of cash flow Mhmm.","start_word":4327,"end_word":4345,"sentiment":"neutral","sentiment_score":-0.203358456492424},{"text":"down, I don't think it's worth paying, you know, the $2,200 fee out of your back pocket to get to just get an extra portfolio recommendation on $25.","start_word":4346,"end_word":4373,"sentiment":"negative","sentiment_score":-0.38980767130851746},{"text":"Right? I Yeah. don't see Yeah. the value I don't see the value in that for you. So if you're Okay. happy with that Yeah.","start_word":4374,"end_word":4398,"sentiment":"neutral","sentiment_score":-0.11331422626972198},{"text":"if Thanks. you're happy Yeah.","start_word":4399,"end_word":4403,"sentiment":"positive","sentiment_score":0.3545112907886505},{"text":"with that, No.","start_word":4404,"end_word":4406,"sentiment":"neutral","sentiment_score":0.16146115958690643},{"text":"we I'm happy can with that. beautiful.","start_word":4407,"end_word":4413,"sentiment":"positive","sentiment_score":0.4485921263694763},{"text":"Alright. So that's it. Now we do charge a ongoing service fee. If you go on to the next page, for an individual Mhmm. client like yourself, we charge a management fee by percentage. There's two ways you can charge us every year. One is what I call the loyal way, which is the way we don't charge because I don't know if you ever dealt with lawyers, but I do all the time for compliance purposes to make sure that we run compliantly. And every I've got people service. So every time that I send an email to you or every time you didn't wanna get in touch with me, you I will send you a big juicy invoice of my hourly rate even if it was five minutes of your time of my Yeah. time. Yeah. You know, I'll send you whatever you expect, every state, all the lights, bills, everything. So Mhmm. all that that and that that way of charging for us, it just goes directly Mhmm. against our vision of being trusted. Because in order to build trust and rapport with the client, we need to talk to each other. Yeah. For sure. But if you know you're gonna get a big juicy invoice every time you reach out and talk to me, you're not gonna wanna talk to me. So No. That's so for that for for that reason to be able to uphold that version of what we wanna achieve true. Yep. and reflect within the fees, we charge a percentage based out of the management of the assets we manage. So if it's just superannuation, we will charge a percentage based of that. One, it's tax effective again. Two, it doesn't come out of your back pocket.","start_word":4414,"end_word":4708,"sentiment":"neutral","sentiment_score":0.029337235868482265},{"text":"It's great.","start_word":4709,"end_word":4710,"sentiment":"positive","sentiment_score":0.7678102254867554},{"text":"And three, Mhmm. it means that we have to make money for us to make money. And if you're Yes. gonna if you get the market goes down, we will we will make less money as Yeah. well as by you losing money. Right? So it's kind Mhmm. of like integrated in our relationship. Yeah. Okay. Does that make sense? We're all in it together. Yeah. That's right. Yeah. I know. So Going down at the that. same ship. Yep. Yep. Correct. Correct. So if you're looking at the annual fee, the percentage base is $0. 200,000 is 1.65% increase in GST. When you get over to when we make over $200,000 to 500,000, we try we drop the percentage base fee down to 1.375%, inclusive Mhmm. g all of this is inclusive of GST. But once we get you to 500,000 to a million, it goes to 1.1%. And 1,000,000 to $2,000,000, it goes to 0.825%. So Yep. it's it's it's incentivizes you to, one, bring on your partner, two, us to make more money, and three, you to make more money as well, most importantly, because you know that you get lower fee. Yeah. True. It's a tiered structure. So, like, once you get to that, you know, 1.65%, capped at 200,000 for 200,000, 500.015 at $3,300. So it will cap at $3,300, and then every dollar above that, you'll only be charged at 1.375<unk>. Mhmm. Does that make sense? Yeah. It does. Yep.","start_word":4711,"end_word":4958,"sentiment":"neutral","sentiment_score":0.07757552713155746},{"text":"All good. Perfect.","start_word":4958,"end_word":4961,"sentiment":"positive","sentiment_score":0.38969749212265015},{"text":"If your partner comes on board, then we reduce the 200 to 500,000 thousand the next step. We need one step away. So that both of you combined will be charged if you're not over a million, you'll be charged to $0.01 $5.05 and $7.0.825. Mhmm. Yeah. Cool. Do Alright. you have any questions about the fees? No.","start_word":4961,"end_word":5019,"sentiment":"neutral","sentiment_score":0.13964378833770752},{"text":"That's all pretty straightforward as well.","start_word":5019,"end_word":5025,"sentiment":"positive","sentiment_score":0.3763884305953979},{"text":"I'll talk to my wife about it too.","start_word":5024,"end_word":5031,"sentiment":"neutral","sentiment_score":-0.0005098882829770446},{"text":"She's not very doesn't like to engage in all these in this topic very much.","start_word":5032,"end_word":5046,"sentiment":"negative","sentiment_score":-0.34132227301597595},{"text":"I think it just goes over ahead a little bit at this No. That's stage, okay. but hopefully, she'll come around to it. And yeah. And maybe we can both join it together, but let's Well, wait and either way, it's yeah. I mean, either way, it's gonna be yeah. If we if we look after your stuff, you see you see.","start_word":5047,"end_word":5108,"sentiment":"neutral","sentiment_score":0.033208440989255905},{"text":"see the benefit of the twelve months. It'll be a lot easier with numbers too and proof to be able to convince that.","start_word":5109,"end_word":5131,"sentiment":"positive","sentiment_score":0.4920151233673096},{"text":"Right?","start_word":5132,"end_word":5132,"sentiment":"neutral","sentiment_score":0.22168774902820587},{"text":"Yeah. And that's 100 why percent. we do that's why we do it this way because we're pretty confident in our services. We we like to believe we're pretty good at what we do.","start_word":5133,"end_word":5166,"sentiment":"positive","sentiment_score":0.5949847102165222},{"text":"Yep.","start_word":5167,"end_word":5167,"sentiment":"neutral","sentiment_score":0.2321968376636505},{"text":"Perfect.","start_word":5168,"end_word":5168,"sentiment":"positive","sentiment_score":0.3770977854728699},{"text":"Right? Privacy and record keeping, we have to abide by all the law. Any sort of relationship or associations we have we don't take any Mhmm. referral fees from anybody.","start_word":5169,"end_word":5198,"sentiment":"neutral","sentiment_score":0.0003116086299996823},{"text":"Too much that I this is too much of conflict of interest. It's like, we're here. It also feels like I'm soliciting my clients in a way. It's just I don't like it.","start_word":5199,"end_word":5231,"sentiment":"negative","sentiment_score":-0.5460392832756042},{"text":"Yes. We've got all insurances you could ever imagine. We because we're very large, we manage hundreds of millions of other people's money. Yep. We have to actually go and get the insurance, Lloyds Bank, London. I received so we got all of that. We got cybersecurity. We got everything. Yep. Last point that I wanna touch on is the complaint. So what happens if Mhmm.","start_word":5232,"end_word":5297,"sentiment":"neutral","sentiment_score":-0.09957193583250046},{"text":"you give me your money and I I'm gonna run run away to The Bahamas and I'm drinking peanut coladas with your money?","start_word":5298,"end_word":5320,"sentiment":"negative","sentiment_score":-0.3771260678768158},{"text":"What do you do? Alright.","start_word":5321,"end_word":5325,"sentiment":"neutral","sentiment_score":-0.2599010765552521},{"text":"Wouldn't be very happy.","start_word":5326,"end_word":5329,"sentiment":"negative","sentiment_score":-0.5651987791061401},{"text":"Correct. Okay. So there there's two ways to go about this. The first way please do this first because we're pretty recently people. We've only ever had three formal complaints with Apple. But the second in a decade was pretty good. So Yeah.","start_word":5330,"end_word":5372,"sentiment":"neutral","sentiment_score":0.012324368581175804},{"text":"It's pretty good.","start_word":5373,"end_word":5375,"sentiment":"positive","sentiment_score":0.7554789781570435},{"text":"so the first step is what we call an IDR, the internal dispute resolution. And that means you get in touch with the compliance manager or responsible manager of the ASL itself and Mhmm. speak to them about it. The responsible manager or RM of Oaktree Financial is me. But Okay.","start_word":5376,"end_word":5426,"sentiment":"neutral","sentiment_score":0.046613242477178574},{"text":"you're gonna be but you're gonna be pretty pissed at me, and I wouldn't probably wanna speak to you because I'm overseas in The Bahamas during the bidding collapse of your money.","start_word":5427,"end_word":5458,"sentiment":"negative","sentiment_score":-0.3372061252593994},{"text":"Right? Yes. So so for that reason, we've got two RNs of licensed individuals, which usually they're accompanied for protection, but I like to take I like to take responsibility for my actions upon their stuff. So so that's my business part and part. Yep. And that's why he is a he is a secondary RM on the license. So he would probably just speak to him. I said, hey. He said he's wrong way. My money ends. Like I said, it won't happen, but he will work with you to work it up. If, Yeah. for some reason, he tells you to get stopped because you can join me or whatever the reason, then you can always go to Secondly and second definitely, you remember Secondly because we paid for those complaints, which is annoying. Yep. But you go to ATCO, which is next EDR, next external dispute resolution, which is the Australian Financial Complaints Authority. Their phone number Okay. and website's there, and you'll be there. Yep. They'll come they're amazing. They come down with their lawyers that didn't make it in the real world, so they gotta work Mhmm. back up. And they've gotta be in their buttock because they didn't make it in the real world, and they just wanna prove themselves to the government or whatever they're working for. Right? So they Yeah. come Right. down off like a ton of bricks. Yep. So you got protection there as well. Do Okay. you have any questions about that services, these compliance, anything? No. I don't. No. That's all pretty quick.","start_word":5459,"end_word":5723,"sentiment":"neutral","sentiment_score":-0.020434778113410157},{"text":"Beautiful.","start_word":5724,"end_word":5724,"sentiment":"positive","sentiment_score":0.6397272348403931},{"text":"Last thing I'm gonna do is I'm gonna run you through a well, I've already got most of your fact find. I'll confirm those details. But then the last thing I wanna do is essentially go through a risk profile questionnaire. Now Sure. I had to make these questions up, asking in the federal government too. So some of Mhmm. them are pretty pretty dumb. I'll let you know. You'll you'll you'll work out which ones are the best. But Yeah. that's Yes. fine. But I do have to ask them. K? So it's No about worries. 30 questions, and then I'll book in another time in a couple weeks, and then we're done. Yep.","start_word":5725,"end_word":5839,"sentiment":"neutral","sentiment_score":0.012380920350551603},{"text":"Perfect. Yeah. Sounds good.","start_word":5840,"end_word":5843,"sentiment":"positive","sentiment_score":0.42615267634391785},{"text":"Yeah. So how would you rate your willingness to take financial risk? Would you say that you're a very high risk taker, high risk taker, average risk taker, or low risk taker? Low risk taker. Beautiful. Alright. And how familiar are you with investment markets? Would you say that you're comfortable with all investment markets and you know everything about them? Would you say that you are aware that investments fluctuate? Would you say that you got a fairly good market grasp, but you're still learning? I would say I've got Based a on fairly good yeah. grasp, but I am still Yeah. learning. I wouldn't say very good. Yep. Yeah. Just from what we what you just we discussed before, I'll send that to you as well. So how would you describe your experiences with the investment market? So did you say that you've had a positive with Yes. investment experience from the same markets and understand that they fluctuate? Would you say that you've learned to risk and reward balance from a negative experience? Would you say that you have you have you'd say you're an investment lover. She's never really done it, but she's naturally cautious. Or would you say that you've lost too much money in the past and never wanna do it again? I'm more of a novice, yeah, I would say. I've I've definitely years ago when crypto was going off and everyone was talking about it, I invested And I made money initially, but the ones that I've held on to have definitely lost Good. a How lot of money as how well. how that Huddl go? Good. Yeah. Yeah. Yeah.","start_word":5844,"end_word":6121,"sentiment":"neutral","sentiment_score":-0.02618186293411062},{"text":"They've the boss fell off.","start_word":6122,"end_word":6126,"sentiment":"negative","sentiment_score":-0.37089288234710693},{"text":"But I haven't told them yet, so it's like, oh, well, you know, it might get back up.","start_word":6127,"end_word":6144,"sentiment":"neutral","sentiment_score":-0.2664901316165924},{"text":"But I'm completely out of that sort of thinking of investing in crypto.","start_word":6145,"end_word":6157,"sentiment":"negative","sentiment_score":-0.4680544137954712},{"text":"I'm I'm hoping Alright. that. Have you ever the next question is what's the investment you've ever purchased? Have you ever purchased some direct shares? No. Alright. Well, then we put down managed funds because your superannuation currently Mhmm. held in managed funds. K? Yes. Alright. Investment time frame. Because we're dealing with super, I would say that's longer than ten years. Timeline Yep. horizon. Yep. Yep. Alright. So volatility is on board. Volatility investments go up and down, and value is called volatility as an HR based. How much could your investments value drop over the next twelve months for your super you invest with the super with us? And in twelve months, how much could it drop by before you start feeling concerned and anxious? Would you say more than 50%, up to 50%, up to 25%, up to 10%? I think I was still pretty anxious up to 25. 25%. Beautiful. And what happens if you invest your suit with us and then six months in line with general trends in the financial markets, we find out that your portfolio has decreased by 20%. Would you, one, invest heavily expecting future growth? Would you, two, invest modestly expecting future growth? Would you hold and wait improvement after speaking to your financial professional? Or would you tell me to get stuff and sell everything to cash? I'd probably hold. I think I would hold. Huddle. Yep. Huddle. Mhmm. Yep. Gotcha. And what kind of this is one of those super questions. What kind of return do you expect to achieve on your investments and superannuation over the longer term? More one, more than 8%? Two, sixty eight percent? Three, sixty four? Four to 6%? Or four two to 4%? I'm assuming the most. Right? Yeah. Yeah. The most.","start_word":6158,"end_word":6457,"sentiment":"neutral","sentiment_score":-0.05880406809349855},{"text":"Yep. Perfect.","start_word":6458,"end_word":6459,"sentiment":"positive","sentiment_score":0.4727617800235748},{"text":"And so last couple of questions. Have you ever thought about taking out a loan to invest? One, you have borrowed or open to borrowing for stocks and funds, if it's appropriate. Two, you have borrowed or open to borrowing for investment properties. Or three, you would only bought borrow for investment property. Or four, you're never gonna borrow. I'm certainly open to borrowing from a bank for investment properties. Yeah. But And not shares, like a margin loan? Or no. I haven't I've I'm yet to ever consider that.","start_word":6460,"end_word":6549,"sentiment":"neutral","sentiment_score":-0.04246811196208},{"text":"Beautiful.","start_word":6550,"end_word":6550,"sentiment":"positive","sentiment_score":0.4342643618583679},{"text":"Okay. And based on the way that you just answered that previous question, how would you how would taking on lunch investment shares may keep in? Would you say that you're comfortable borrowing from investments, aware of the risks? Would you say that you're you're somewhat comfortable but you're cautious? Would you say that you're careful with borrowing and understand this the risk involved? Would you say that you're hesitant to borrow weary of the high risks involved, or would you say you'll never borrow? At this stage, I'd say hesitant. I would be I'd much prefer just using the money that I have rather than borrowing to invest Gotcha. in shares. Alright. Yep. So you are a you're essentially drum roll, please. I'm just adding it all up. And that's the best investment capacity moving up or down one investment. Risk profile, we call it. Because when it comes to risk, there's there's four ingredients. You know, Macbeth's, like, the the three riches in the melt melting pot. So Yep. the the, you know, bubble bubble gargle and trouble. I have mutual last stuff. I don't know how, not my reference system I had just been, but this works. So there's four ingredients in the pot, which is your time horizon, your risk profile, which is what works now now, your risk Yep. capacity, and your risk tolerance. And all four of them kinda work together. So the Mhmm. way Yep. that I've just you've just asked those questions and just been speaking to you recently, You your natural courses comes in there, sir. I wouldn't say you're kind of pedals to the middle for a fee for a long time guy. Right? No. No. No. Yep.","start_word":6551,"end_word":6838,"sentiment":"neutral","sentiment_score":0.02115717324906857},{"text":"Perfect.","start_word":6839,"end_word":6839,"sentiment":"positive","sentiment_score":0.39627254009246826},{"text":"So you have come out as a a 35. And what that makes you is towards the more defensive end of a growth investor. So a growth investor is usually a time horizon of about six to eight Yep. years because Mhmm. that means the asset allocation of the of the percentage differences between growth and the sort of assets, which are international and domestic shares and things like infrastructure, gold, commodities, stuff like that. Yep. But then you've got the rest the other portion of percentage of your portfolio and defense, like fixed interest, cash, Yeah. some of the other commodities, those kind of things like bonds, bills, that stuff, Fed reserve and just cash. So Yeah. Yes. looking at the way you answer those questions, I think a growth is actually appropriate for you because it accommodates for about what that means is about 70 to 80% invested into shares. To give you Mhmm. an idea, defensive portfolio is, like, 55, 45. So 55% invested into the market and 45% invested into defensive assets. That's about, like, that's that's a defensive balanced portfolio. Because when you see the balance, you know, if you're looking at your superannuation, it says my super balance for something, that's a Yeah. growth portfolio. It's invested 75% to the market. Yeah. Okay. So I don't wanna change you too much from what you're really doing. And the sole reason if if we if we did weren't talking if we weren't including time horizon, I'd be looking at something like a balance growth portfolio. So one risk profile lower. Mhmm. But because you're looking at only some investment superannuation with the time horizon of, you know, twenty, twenty three years, I'll be comfortable leaving you at the growth environment. So you're gonna look at something about 80% investment in the market, 20% effective assets. Would you does that make sense? Would you be comfortable with that Yeah.","start_word":6840,"end_word":7162,"sentiment":"neutral","sentiment_score":0.08744986053129468},{"text":"It makes sense.","start_word":7163,"end_word":7165,"sentiment":"positive","sentiment_score":0.3470107316970825},{"text":"And, yeah, I'm comfortable with that. I'm sort of I feel like I I'm more all? willing to take a risk on super than, you know, other things that affect me in the immediate term, which is for Okay. better or worse. But yeah. Have you have you ever are you in front of a computer right now? I You are. Yep. Go give me a favor and I'll explain this to you because I really wanna make sure that we get this right. Because more often than not, you know, when am. clients Yep. come to me and they say, you know, I lost all this money during this this downturn. Now what I had a $100. Now I've been getting $8. How do I make my $20,000 back as soon as possible?","start_word":7166,"end_word":7299,"sentiment":"neutral","sentiment_score":0.010211695916950704},{"text":"My answer is not always the answer they wanna hear.","start_word":7300,"end_word":7309,"sentiment":"negative","sentiment_score":-0.3666831851005554},{"text":"Because when I give them the solution, I give them another question. And the question is, well, why were you taking that much risk in the first place? You obviously won't invest. Right? So so go to a new Google page and just type in the the actual search on that Google search, like the actual ad, like, website area. Type in andex, so andex,.com.au. Yep. You'll see Yep. a big chart. Click on that chart. May I have a sec? Yeah. I make sure Yep. I press that. I have I have I've got the chart. Yep. And then click on that when you click on the chart, then you add them to goes on to the next page to purchase it. Just go into the magnifying glass on the actual chart on the left hand side. Yep. Yep. So okay. So you're looking at the big colorful, very comprehensive chart. Right? Yes. So on the far left hand side is $19.50. Far right hand side is 2025 end of twenty twenty five. Right?","start_word":7310,"end_word":7484,"sentiment":"neutral","sentiment_score":-0.006260521199022021},{"text":"So this is the growth of a 100 with no acquisition cost, no taxes, and all income or dividends reinvested back into that asset.","start_word":7485,"end_word":7508,"sentiment":"positive","sentiment_score":0.4265488386154175},{"text":"Right? That blue Mhmm. line, remember $100. The dark blue line is essentially all Australian shares. That's the Australian all of those index. And it's been a bumpy ride you know, that the first major drop was industrial kind of drop, which was mid seventies. Mhmm. Then Yep. the next very sharp drop was Wolf of Wall Street, Jordan Belfort's first day of trading. It's when no. They call it Black Black Friday. Yep. The next one a little bit closer to home is twenty two thousand seven to February. So you see Yep. that drop up? That Yeah. drop Yeah. from Yeah. top to bottom was 61 63%. Yeah. Wow. So that year and a half is 63%. I'm gonna go back to that as an example. So if you've if you had a $100, you invested a $100 into a 100% Australian index fund, you in a year and a half, if you do so, would essentially be left with even with reinvesting as it falls, I was talking to you, you would be left with essentially $37,000. But if you kept your pool, right, and you just left it in there, currently investing, it would Yep. have taken approximately almost six years. So one, two, let me see if I remember this right. One, two, three, four, five. Yeah. Not five, five and a half, six years. I believe Yep. it was 05/2004. Just for memory. Yeah. 05/2004, not five years or four months, but five point four years, it would have taken after the top of the market down through GFC and all the way to top again. If you just held huddled, then Yeah. Yeah.","start_word":7509,"end_word":7788,"sentiment":"neutral","sentiment_score":-0.0716492086648941},{"text":"you wouldn't have a $100,000 back.","start_word":7789,"end_word":7794,"sentiment":"negative","sentiment_score":-0.35112282633781433},{"text":"So that that's five that's the most aggressive asset outside view of equity you can invest in. Right? So Yep. when we talk about time horizon, that after the largest financial collapse in recent time, in the most aggressive assets, it wouldn't even take six years for you to make your money back.","start_word":7795,"end_word":7847,"sentiment":"neutral","sentiment_score":-0.007745896931737661},{"text":"It was really bad Yeah.","start_word":7848,"end_word":7852,"sentiment":"negative","sentiment_score":-0.5189281702041626},{"text":"for me. So Yeah. that gives It's you interesting an idea. to look at it that way. Yeah. Yeah. Correct. But essentially, a $100 over seventy five years would have a you'll end up with $362,654. That's CPI 2.5% as well. Yep. So if you go to the light blue line, less volatility because you're taking 30% of Yep. entered assets, that's a balance for 40 m c. 70 Mhmm. 30 split. We want you to take a little bit more than that. I'm gonna I'm I'm just by you saying taking more risk, maybe even $85.15. And then just yeah. Take a long period. So I wanna get you somewhere in between that top, the light, blue one. Yes. But then, obviously, as you get close to retirement, '54, '55, we start really raining back the risk every year. So that's kind of so that you can be somewhere close to the green green line. Obviously, not as far as they've been the last couple years because Mhmm. Yep.","start_word":7853,"end_word":8022,"sentiment":"neutral","sentiment_score":0.06983654201030731},{"text":"bonds have been terrible.","start_word":8023,"end_word":8026,"sentiment":"negative","sentiment_score":-0.45181456208229065},{"text":"They have a a bearable bond bearable bonds. Yep. But, yeah, the green line's bonds. And then you got cash. It just shows you the growth factor. But that gives you an idea of time versus risk because since Yes. you have to if you wanna calculate it on a on a variation, a covariance matrix, like a standard deviation perspective, mathematical stuff, you can literally work out that time. It's literally equal to a ratio of 1.01 to rest after eleven point eight years. Yep. So it's one to one. You won't lose. Are you you got a zero you got a 0.0001 then chance of losing in any financial market up here for almost twelve years. Yeah. Wow.","start_word":8027,"end_word":8146,"sentiment":"neutral","sentiment_score":0.06656044063468775},{"text":"That's As an nice index. and loud.","start_word":8147,"end_word":8153,"sentiment":"positive","sentiment_score":0.37193888425827026},{"text":"Yeah. Correct. But we so that gives you an idea. And, I mean, you can look at any point in time. You show me anytime on ten years that most aggressive assets have gone down, then it hasn't Yep. seem to be good. Alright. So that gives you an idea. Anyway, Yeah. Yep. I would I'm gonna I'm gonna bump you up a bit. I'm gonna say the same growth environment, but not $80.20. I'm gonna go $85.15 if you're comfortable with that. So in Yeah. between that flight room, drive through a line. Yep. With the input that we wanna try and get about, you know, 10 and a half, 11% every Yep. year, what it is. Yep. For sure.","start_word":8154,"end_word":8274,"sentiment":"neutral","sentiment_score":0.05877471715211868},{"text":"Beautiful. So I'm in that that in growth.","start_word":8275,"end_word":8282,"sentiment":"positive","sentiment_score":0.3701307773590088},{"text":"Alright. Well, look, that's pretty much everything I wanted to go through with you in this call.","start_word":8283,"end_word":8299,"sentiment":"neutral","sentiment_score":0.2187516987323761},{"text":"So thank you so much for your time, mate. Thanks for reaching out. It's always a pleasure to speak to your No.","start_word":8300,"end_word":8321,"sentiment":"positive","sentiment_score":0.47414490580558777},{"text":"clients. Thank you. No.","start_word":8322,"end_word":8325,"sentiment":"neutral","sentiment_score":0.1982816755771637},{"text":"Thank you very much. It was very useful. Beautiful.","start_word":8326,"end_word":8334,"sentiment":"positive","sentiment_score":0.425392210483551},{"text":"Well, no. Yep. Thank you just yet. So we'll see if we can get you in a better position first. Yeah. I'm I'm gonna send I'm gonna send you out an email. Probably, Yeah. I've got another appointment. So either by the end of business today or or Monday never sleeps. So probably knowing me, it'll be Yeah. 11:00 at night. That's cool. That's cool. I'll send you an email. I was just asking for a few bits and pieces. And look outside of that. When's the best time for me to Yep. give you a callback? I'm looking at two weeks booked up. Maybe Wednesday the second, Or would you say Monday the thirty first?","start_word":8335,"end_word":8450,"sentiment":"neutral","sentiment_score":0.07250060886144638},{"text":"I think Wednesday second would be ideal.","start_word":8451,"end_word":8457,"sentiment":"positive","sentiment_score":0.4834553599357605},{"text":"Yep. I've got a space at 2PM and another time at midday. Which is you guys? Let's let's let's go for midday. Midday.","start_word":8458,"end_word":8480,"sentiment":"neutral","sentiment_score":0.14432798326015472},{"text":"Beautiful. New and New South Wales.","start_word":8481,"end_word":8486,"sentiment":"positive","sentiment_score":0.590085506439209},{"text":"There there won't be, like, time saving gaps in between now and then. Right? Yep. No. I don't think so. I think that's in October. Yep. I get that because I'm horrible It's at that time they think confusing. of. So alright. That Well, I'd if say. I don't call you, I'm pretty diligent. I'm pretty punctual. So Yep. if I don't call you at that time, it's probably because it has time has changed. But Yep. I'll call you an hour later. Alright? Yeah. Yeah. No worries.","start_word":8487,"end_word":8574,"sentiment":"neutral","sentiment_score":-0.05600564554333687},{"text":"Beautiful. Alright.","start_word":8575,"end_word":8576,"sentiment":"positive","sentiment_score":0.46426182985305786},{"text":"I'll send you a Calvary invite as well, but if you need Yep. anything in which one is just give me a call and I'll do the same. Alright?","start_word":8577,"end_word":8605,"sentiment":"neutral","sentiment_score":0.24600528180599213},{"text":"Perfect. Thank you so much, Debbie. I really appreciate it. Okay, Simon. See you.","start_word":8606,"end_word":8619,"sentiment":"positive","sentiment_score":0.7053025960922241},{"text":"Bye. See you. Bye.","start_word":8620,"end_word":8623,"sentiment":"neutral","sentiment_score":0.267782598733902}],"average":{"sentiment":"neutral","sentiment_score":0.03298391909379131}}}}