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You're looking at opening one. Is now still a good time there for you? Yep. Perfect. I did have it down that I was meant to speak to yourself and Casey as well. Is she available at all, or is it just yourself at the moment? If not, that's okay. No. That's okay. No. That's okay. Honestly, it's not a problem. I just want to sort of have a bit more of a general chat around what it is that you're after with regard to stuff and if you see your funds, your goals, and just make sure you understand the structure because for us to kinda go through and provide the advice, There is a lot of research and compliance that we have to adhere to, so we don't wanna go to the process of opening it up for you if it's really not something that you're after. Okay? Yeah. What's the main sort of reason for wanting a self managed super firm? Yep. Okay. So with the investment property and you understand the structure of how the South Main Superbond works. So, realistically, you become the trustee inside you know, your accountant sets up a trust for you. You're the trust d, so you're the one main responsible for all of that. Inside that, then you can hold the property. If there is a loan on the property, then there is a bare trust or a separate trust set up within your super fund that holds the property. Have you spoken to a broker? Have you got an account on a broker on your side that have had a look at the setup, the structure, and what your borrowing capacity might be to be able to buy a property? Huge borrowing capacity. Have they told you what's the amount they've told you you've got available for borrowing? 2 to 3,000,000? Okay. And it's based on the that's based on what you have in that both of you have in Super Together as well as as well as your contributions and things like that? Yep. 6 to 7 100 thousand. Yep. And would you be using all of that towards the deposit of the property, or would you have a little bit left over that you'd wanna have invested in something else? Yep. So 50 k could still go into the self managed super fund, and you could then have that invested in, say, an investment part portfolio within your super fund, very similar to how you have 24 set up. And it could hold shares and ETFs and things like that for you. It's absolutely possible to do so. You do also need to make sure within the a cash account that you do have, generally, between 20,000 to 30,000 available cash wise to make sure you're funding your regular expenses. So, to kinda give you an idea, our role with setting this up is, we essentially provide the financial advice on how to set it up. We can set up a cash account for you and set up any investments within the fund. Your broker and accountant have to work in unison with us so they your accountant actually sets the fund up itself. It does the trust structures and does all the lodging with ASIC and the ATO and whatever else it has to do, and your broker organizes a loan for you. The setup cost generally for your account and depending on what they're gonna charge can generally be about 5,000. For us to provide the financial advice, we do have to essentially onboard your super fund as a brand new client. So we would charge the upfront fee. And then if there's any investments within the fund, we do charge an ongoing maintenance or service fee as well. Okay? It's 3.3% capped at balances of 150,000. For a self funded super fund, we can charge upwards of $5,000 for the setup cost of going to the process because we're setting up your cash management account as well as the investments that's inside that. And then for us to maintain your investment portfolio within the fund, we do charge an ongoing service fee the same as we would normally for your 20 sorry, twenty four super fund, which is 1.65% per annum. Yeah. The other alternate it depends. It it honestly depends on the balance. So we'd need to see if you're gonna have, say, 50,000 sitting in there. Towards the property? Yeah. And is that sorry. The 50,000 in the cash account, is that what you're saying? Yep. The rest would go to the property? Okay. So there's no investment within the fund there at all? So you don't want an investment portfolio within yourself in your super fund at all? No. Okay. That's absolutely fine. The the risks associated with that is that you're not gonna have diversification. Most super funds only have one property, and those properties are generally held for about thirty years because there are limitations on paying them down quicker. So you do have the risk that getting to 60, which is your goal age for a time, and that you may still have this property, that you may still have a debt, and that you may have to sell that. And there could be a risk that you may have to sell it at a loss in order to access the funds in retirement. So it is your financials your personal financials? Yeah. Yeah. Absolutely. I've got your last back fund here. So you're very asset rich. You've got quite a lot of property, everything in your own name, and you've got your company there as well, which is fantastic. Yeah. Sorry? Yeah. No. There is still definitely a risk. As much as you've got a lot of lot of funds in your own name and your company, you are doing very well. However, your super fund is a whole another entity, and there are still risks involved. So as much as you've got other funds and assets to offset that, which is great, essentially, your super fund still holds that risk. And, I mean, even in retirement, if you've got that property at so up to 60 and you have to sell it because you still got a loan on the property, you do risk having to sell that at a bit of a loss or having to, you know, cover the cost of the loan. So there are still risks involved that do need to be considered, which are really important to sort of note down. We still haven't, unfortunately, been able to get a hold of Casey to do the research with her, so we do need to have a really good chat with her in relation to this to make sure that it is in both of your best interest. The other option yeah. Okay. Perfect. So with regard to the fees, as we kinda went through, if you're not wanting to have an investment in there for us to do the advice for you, the upfront implementation fee would be about 5,000 on our part. That would have to be paid for out of the super fund for us to go through, provide the advice, to set up the cash management account and to set up the things that we can definitely do. If you are looking for a more cost effective way to do this, you can just speak to your accountant. You can have them set the funds up. It can be a little bit more cost effective for you, but they don't provide financial advice around the area around the setup structures and things like that. So it's up to you with the best way you wanted to go. I'm happy to provide the financial advice. It is just a bit of a process we have to go through. We need to do research, make sure everything's up to date, have the conversations with you, and make sure it is in your best interest. If we do the research and we find it's not in your best interest, then I can't provide provide the advice on that. So I just have to make sure that you are fully aware of that. Okay? Perfect. Perfect. Sorry. To start with, we do need to the other thing I do wanna talk about is with the insurance side of things. So you don't have any life TBD income protection, things like that at the moment. It is really important as part of setting up a stock and a super fund that the insurance aspect is considered because if you do happen to have a loan on this property, which you will have, if anything happened to you, if you were to pass away, that property needs to be obviously paid out. It needs to be insured. Yeah. Correct. So are you wanting to look at maybe life, CPD, or income protection insurances to provide that extra protection for the funds in the sub and the super funds? Yeah. That's okay. So probably so not a definite, but something you do wanna look at? Yep. Okay. No. That's okay. Perfect. Look. I'm more than happy to sort of go forward. I think the next step we need to do is we need to be able to do the research with Casey. I do know the girls have been following up with her. We need to sort of more detail around both of your personal circumstances. So I'll get, the girls to follow-up with Casey to, find out more about her super, re go through the fact fine with you both just to sort of reassess all your assets, liabilities, and things like that. And then I'll need to come back and have just another joint conversation with the both of you, having a chat about the insurances, looking at your personal circumstances, and then looking to provide the advice from there for you. Is that okay? Yep. Perfect. Is there normally a good time that suits her for the girls to try and give her a call? Or Yeah. You're right. I'll just see when our admin team are available to give her a buzz. Let's have a quick look for you. So it does look like they have some availability this morning. If not, they could make it a day next week if it sorta suits. Does she does it works? This morning works. Okay. No worries at all. I'll get the girls to give her another bit of a buzz this morning and see if they can do the research component with her. And then, yeah, once we've done that, I'll have a look at everything. I will just send you a bit of an email sort of following up on our call today so you've got that for clarification. And then we can I'll probably just you know, when we talk again, need to really look at your goals, what your access point is. We'll need to then sort of just check our borrowing capacity with you as well, and then we can go forward with the advice. And, you know, if there's anything additional, you're welcome to let me know. In the meantime, I do know because your super is sitting here at the moment, we do still after looking after that, we've got sent the ongoing service agreement just so we can continue looking after everything as it is at the moment until we can set these new structures up for you. Have you had a look at that email that we've sent out recently? Or yeah. Yeah. No. We're definitely we're more than happy to do so. We just wanna make sure that we're doing everything correct and abiding by all the rules and regulations that we do have to abide by. Yeah. That's okay. The other thing is making sure that you're aware that as being the trustee that you are responsible for everything. So you will have to, every year, make sure you're paying all of the the audit fees, the ACO fees, and things like that. You're more liaised with your account, and you're okay doing all of that. Yep. All good. Just wanted to make sure. We kinda wanna just put these things out then to make sure you are aware before we jump into it, because setting up the structures is one thing, but breaking it down if you decide it's no longer viable is a whole another a whole another problem. So we just wanna make sure that you're fully aware of what you're getting into there before we provide this advice, and I'm more than happy to help you along in this process. As I said, I'll send you an email recapping our call, and I'll get the girls to give Katie a call and go through some research with her. And then we'll come and have another conversation probably in a couple of weeks when the Easter's coming up. I am taking a little bit of time off with my son, but when I come back, we'll be able to touch base again, have a really good chat, and look at both of your goals in detail. Is that okay? Beautiful. Thank you so much for that. I appreciate your time this morning, Alex. Yeah. Oh, good. I'll talk to you soon. Thank you. 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Alex. It's Zena from OQ Financial. How are you this morning? I'm very well. Thank you.\n\nI had you booked in to have a bit of a catch up and a chat around South Bay Superfunds. You're looking at opening one. Is now still a good time there for you? Yep. Perfect.\n\nI did have it down that I was meant to speak to yourself and Casey as well. Is she available at all, or is it just yourself at the moment? If not, that's okay. No. That's okay.\n\nNo. That's okay. Honestly, it's not a problem. I just want to sort of have a bit more of a general chat around what it is that you're after with regard to stuff and if you see your funds, your goals, and just make sure you understand the structure because for us to kinda go through and provide the advice, There is a lot of research and compliance that we have to adhere to, so we don't wanna go to the process of opening it up for you if it's really not something that you're after. Okay?\n\nYeah. What's the main sort of reason for wanting a self managed super firm? Yep. Okay. So with the investment property and you understand the structure of how the South Main Superbond works.\n\nSo, realistically, you become the trustee inside you know, your accountant sets up a trust for you. You're the trust d, so you're the one main responsible for all of that. Inside that, then you can hold the property. If there is a loan on the property, then there is a bare trust or a separate trust set up within your super fund that holds the property. Have you spoken to a broker?\n\nHave you got an account on a broker on your side that have had a look at the setup, the structure, and what your borrowing capacity might be to be able to buy a property? Huge borrowing capacity. Have they told you what's the amount they've told you you've got available for borrowing? 2 to 3,000,000? Okay.\n\nAnd it's based on the that's based on what you have in that both of you have in Super Together as well as as well as your contributions and things like that? Yep. 6 to 7 100 thousand. Yep. And would you be using all of that towards the deposit of the property, or would you have a little bit left over that you'd wanna have invested in something else?\n\nYep. So 50 k could still go into the self managed super fund, and you could then have that invested in, say, an investment part portfolio within your super fund, very similar to how you have 24 set up. And it could hold shares and ETFs and things like that for you. It's absolutely possible to do so. You do also need to make sure within the a cash account that you do have, generally, between 20,000 to 30,000 available cash wise to make sure you're funding your regular expenses.\n\nSo, to kinda give you an idea, our role with setting this up is, we essentially provide the financial advice on how to set it up. We can set up a cash account for you and set up any investments within the fund. Your broker and accountant have to work in unison with us so they your accountant actually sets the fund up itself. It does the trust structures and does all the lodging with ASIC and the ATO and whatever else it has to do, and your broker organizes a loan for you. The setup cost generally for your account and depending on what they're gonna charge can generally be about 5,000.\n\nFor us to provide the financial advice, we do have to essentially onboard your super fund as a brand new client. So we would charge the upfront fee. And then if there's any investments within the fund, we do charge an ongoing maintenance or service fee as well. Okay? It's 3.3% capped at balances of 150,000.\n\nFor a self funded super fund, we can charge upwards of $5,000 for the setup cost of going to the process because we're setting up your cash management account as well as the investments that's inside that. And then for us to maintain your investment portfolio within the fund, we do charge an ongoing service fee the same as we would normally for your 20 sorry, twenty four super fund, which is 1.65% per annum. Yeah. The other alternate it depends. It it honestly depends on the balance.\n\nSo we'd need to see if you're gonna have, say, 50,000 sitting in there. Towards the property? Yeah. And is that sorry. The 50,000 in the cash account, is that what you're saying?\n\nYep. The rest would go to the property? Okay. So there's no investment within the fund there at all? So you don't want an investment portfolio within yourself in your super fund at all?\n\nNo. Okay. That's absolutely fine. The the risks associated with that is that you're not gonna have diversification. Most super funds only have one property, and those properties are generally held for about thirty years because there are limitations on paying them down quicker.\n\nSo you do have the risk that getting to 60, which is your goal age for a time, and that you may still have this property, that you may still have a debt, and that you may have to sell that. And there could be a risk that you may have to sell it at a loss in order to access the funds in retirement. So it is your financials your personal financials? Yeah. Yeah.\n\nAbsolutely. I've got your last back fund here. So you're very asset rich. You've got quite a lot of property, everything in your own name, and you've got your company there as well, which is fantastic. Yeah.\n\nSorry? Yeah. No. There is still definitely a risk. As much as you've got a lot of lot of funds in your own name and your company, you are doing very well.\n\nHowever, your super fund is a whole another entity, and there are still risks involved. So as much as you've got other funds and assets to offset that, which is great, essentially, your super fund still holds that risk. And, I mean, even in retirement, if you've got that property at so up to 60 and you have to sell it because you still got a loan on the property, you do risk having to sell that at a bit of a loss or having to, you know, cover the cost of the loan. So there are still risks involved that do need to be considered, which are really important to sort of note down. We still haven't, unfortunately, been able to get a hold of Casey to do the research with her, so we do need to have a really good chat with her in relation to this to make sure that it is in both of your best interest.\n\nThe other option yeah. Okay. Perfect. So with regard to the fees, as we kinda went through, if you're not wanting to have an investment in there for us to do the advice for you, the upfront implementation fee would be about 5,000 on our part. That would have to be paid for out of the super fund for us to go through, provide the advice, to set up the cash management account and to set up the things that we can definitely do.\n\nIf you are looking for a more cost effective way to do this, you can just speak to your accountant. You can have them set the funds up. It can be a little bit more cost effective for you, but they don't provide financial advice around the area around the setup structures and things like that. So it's up to you with the best way you wanted to go. I'm happy to provide the financial advice.\n\nIt is just a bit of a process we have to go through. We need to do research, make sure everything's up to date, have the conversations with you, and make sure it is in your best interest. If we do the research and we find it's not in your best interest, then I can't provide provide the advice on that. So I just have to make sure that you are fully aware of that. Okay?\n\nPerfect. Perfect. Sorry. To start with, we do need to the other thing I do wanna talk about is with the insurance side of things. So you don't have any life TBD income protection, things like that at the moment.\n\nIt is really important as part of setting up a stock and a super fund that the insurance aspect is considered because if you do happen to have a loan on this property, which you will have, if anything happened to you, if you were to pass away, that property needs to be obviously paid out. It needs to be insured. Yeah. Correct. So are you wanting to look at maybe life, CPD, or income protection insurances to provide that extra protection for the funds in the sub and the super funds?\n\nYeah. That's okay. So probably so not a definite, but something you do wanna look at? Yep. Okay.\n\nNo. That's okay. Perfect. Look. I'm more than happy to sort of go forward.\n\nI think the next step we need to do is we need to be able to do the research with Casey. I do know the girls have been following up with her. We need to sort of more detail around both of your personal circumstances. So I'll get, the girls to follow-up with Casey to, find out more about her super, re go through the fact fine with you both just to sort of reassess all your assets, liabilities, and things like that. And then I'll need to come back and have just another joint conversation with the both of you, having a chat about the insurances, looking at your personal circumstances, and then looking to provide the advice from there for you.\n\nIs that okay? Yep. Perfect. Is there normally a good time that suits her for the girls to try and give her a call? Or Yeah.\n\nYou're right. I'll just see when our admin team are available to give her a buzz. Let's have a quick look for you. So it does look like they have some availability this morning. If not, they could make it a day next week if it sorta suits.\n\nDoes she does it works? This morning works. Okay. No worries at all. I'll get the girls to give her another bit of a buzz this morning and see if they can do the research component with her.\n\nAnd then, yeah, once we've done that, I'll have a look at everything. I will just send you a bit of an email sort of following up on our call today so you've got that for clarification. And then we can I'll probably just you know, when we talk again, need to really look at your goals, what your access point is. We'll need to then sort of just check our borrowing capacity with you as well, and then we can go forward with the advice. And, you know, if there's anything additional, you're welcome to let me know.\n\nIn the meantime, I do know because your super is sitting here at the moment, we do still after looking after that, we've got sent the ongoing service agreement just so we can continue looking after everything as it is at the moment until we can set these new structures up for you. Have you had a look at that email that we've sent out recently? Or yeah. Yeah. No.\n\nWe're definitely we're more than happy to do so. We just wanna make sure that we're doing everything correct and abiding by all the rules and regulations that we do have to abide by. Yeah. That's okay. The other thing is making sure that you're aware that as being the trustee that you are responsible for everything.\n\nSo you will have to, every year, make sure you're paying all of the the audit fees, the ACO fees, and things like that. You're more liaised with your account, and you're okay doing all of that. Yep. All good. Just wanted to make sure.\n\nWe kinda wanna just put these things out then to make sure you are aware before we jump into it, because setting up the structures is one thing, but breaking it down if you decide it's no longer viable is a whole another a whole another problem. So we just wanna make sure that you're fully aware of what you're getting into there before we provide this advice, and I'm more than happy to help you along in this process. As I said, I'll send you an email recapping our call, and I'll get the girls to give Katie a call and go through some research with her. And then we'll come and have another conversation probably in a couple of weeks when the Easter's coming up. I am taking a little bit of time off with my son, but when I come back, we'll be able to touch base again, have a really good chat, and look at both of your goals in detail.\n\nIs that okay? Beautiful. Thank you so much for that. I appreciate your time this morning, Alex. Yeah.\n\nOh, good. I'll talk to you soon. Thank you. See you later.","paragraphs":[{"sentences":[{"text":"Hi, Alex.","start":2.72,"end":3.28,"sentiment":"neutral","sentiment_score":0.09905632585287094},{"text":"It's Zena from OQ Financial.","start":3.28,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.16236348152160646},{"text":"How are you this morning?","start":4.88,"end":6.02,"sentiment":"neutral","sentiment_score":0.1952017605304718},{"text":"I'm very well.","start":7.52,"end":8.32,"sentiment":"positive","sentiment_score":0.5497856537501017},{"text":"Thank you.","start":8.32,"end":8.72,"sentiment":"positive","sentiment_score":0.637908935546875}],"sentiment":"neutral","sentiment_score":0.2888890408417758,"num_words":17,"start":2.72,"end":8.72},{"sentences":[{"text":"I had you booked in to have a bit of a catch up and a chat around South Bay Superfunds.","start":8.72,"end":12.32,"sentiment":"neutral","sentiment_score":0.14146179221570493},{"text":"You're looking at opening one.","start":12.32,"end":13.599999,"sentiment":"neutral","sentiment_score":0.043779249489307406},{"text":"Is now still a good time there for you?","start":13.599999,"end":15.78,"sentiment":"neutral","sentiment_score":0.16545753139588568},{"text":"Yep.","start":17.405,"end":17.725,"sentiment":"neutral","sentiment_score":0.1299179494380951},{"text":"Perfect.","start":17.725,"end":18.205,"sentiment":"positive","sentiment_score":0.34574630856513977}],"sentiment":"neutral","sentiment_score":0.1392476147868567,"num_words":36,"start":8.72,"end":18.205},{"sentences":[{"text":"I did have it down that I was meant to speak to yourself and Casey as well.","start":18.205,"end":21.965,"sentiment":"neutral","sentiment_score":0.112498138757313},{"text":"Is she available at all, or is it just yourself at the moment?","start":21.965,"end":24.925,"sentiment":"neutral","sentiment_score":0.01977674261881755},{"text":"If not, that's okay.","start":24.925,"end":26.064999,"sentiment":"neutral","sentiment_score":-0.04772221762686968},{"text":"No.","start":26.525,"end":26.765,"sentiment":"neutral","sentiment_score":-0.05505474656820297},{"text":"That's okay.","start":26.765,"end":27.585,"sentiment":"neutral","sentiment_score":-0.006568906363099814}],"sentiment":"neutral","sentiment_score":0.051634718462623456,"num_words":37,"start":18.205,"end":27.585},{"sentences":[{"text":"No.","start":27.965,"end":28.205,"sentiment":"neutral","sentiment_score":0.0002854540944099426},{"text":"That's okay.","start":28.205,"end":28.945,"sentiment":"neutral","sentiment_score":0.122636828571558},{"text":"Honestly, it's not a problem.","start":29.34,"end":30.220001,"sentiment":"neutral","sentiment_score":0.22469958662986755},{"text":"I just want to sort of have a bit more of a general chat around what it is that you're after with regard to stuff and if you see your funds, your goals, and just make sure you understand the structure because for us to kinda go through and provide the advice, There is a lot of research and compliance that we have to adhere to, so we don't wanna go to the process of opening it up for you if it's really not something that you're after.","start":30.220001,"end":50.614998,"sentiment":"neutral","sentiment_score":0.05707197263836861},{"text":"Okay?","start":50.754997,"end":51.254997,"sentiment":"neutral","sentiment_score":-0.025984235107898712}],"sentiment":"neutral","sentiment_score":0.06562274640675672,"num_words":97,"start":27.965,"end":51.254997},{"sentences":[{"text":"Yeah.","start":55.84,"end":56.16,"sentiment":"neutral","sentiment_score":-0.052622582763433456},{"text":"What's the main sort of reason for wanting a self managed super firm?","start":56.16,"end":59.46,"sentiment":"neutral","sentiment_score":-0.07397295964451936},{"text":"Yep.","start":69.215004,"end":69.715004,"sentiment":"neutral","sentiment_score":-0.0349707156419754},{"text":"Okay.","start":69.775,"end":70.255005,"sentiment":"neutral","sentiment_score":-0.023838385939598083},{"text":"So with the investment property and you understand the structure of how the South Main Superbond works.","start":70.255005,"end":74.175,"sentiment":"neutral","sentiment_score":-0.00027962795951787164}],"sentiment":"neutral","sentiment_score":-0.03266163136471401,"num_words":33,"start":55.84,"end":74.175},{"sentences":[{"text":"So, realistically, you become the trustee inside you know, your accountant sets up a trust for you.","start":74.175,"end":80.895004,"sentiment":"neutral","sentiment_score":0.027374533388544533},{"text":"You're the trust d, so you're the one main responsible for all of that.","start":80.895004,"end":84.189995,"sentiment":"neutral","sentiment_score":0.022032184659370353},{"text":"Inside that, then you can hold the property.","start":84.96999,"end":88.59,"sentiment":"neutral","sentiment_score":0.03068883391097188},{"text":"If there is a loan on the property, then there is a bare trust or a separate trust set up within your super fund that holds the property.","start":88.729996,"end":95.229996,"sentiment":"neutral","sentiment_score":0.026693844768617834},{"text":"Have you spoken to a broker?","start":96.155,"end":97.675,"sentiment":"neutral","sentiment_score":0.007812303335716327}],"sentiment":"neutral","sentiment_score":0.0248442438035591,"num_words":73,"start":74.175,"end":97.675},{"sentences":[{"text":"Have you got an account on a broker on your side that have had a look at the setup, the structure, and what your borrowing capacity might be to be able to buy a property?","start":97.675,"end":107.055,"sentiment":"neutral","sentiment_score":0.025982769685132162},{"text":"Huge borrowing capacity.","start":110.17,"end":111.31,"sentiment":"positive","sentiment_score":0.4908360044161479},{"text":"Have they told you what's the amount they've told you you've got available for borrowing?","start":111.45,"end":115.31,"sentiment":"neutral","sentiment_score":0.09311496516068776},{"text":"2 to 3,000,000?","start":119.53,"end":120.59,"sentiment":"neutral","sentiment_score":0.022479536943137646},{"text":"Okay.","start":122.605,"end":123.085,"sentiment":"neutral","sentiment_score":0.10307060182094574}],"sentiment":"neutral","sentiment_score":0.06928313407524113,"num_words":57,"start":97.675,"end":123.085},{"sentences":[{"text":"And it's based on the that's based on what you have in that both of you have in Super Together as well as as well as your contributions and things like that?","start":123.085,"end":134.065,"sentiment":"neutral","sentiment_score":0.13345769047737122},{"text":"Yep.","start":140.27,"end":140.77,"sentiment":"neutral","sentiment_score":0.0638398751616478},{"text":"6 to 7 100 thousand.","start":141.31,"end":142.85,"sentiment":"neutral","sentiment_score":0.07899865545332432},{"text":"Yep.","start":146.685,"end":147.185,"sentiment":"neutral","sentiment_score":0.12462162226438522},{"text":"And would you be using all of that towards the deposit of the property, or would you have a little bit left over that you'd wanna have invested in something else?","start":147.405,"end":155.265,"sentiment":"neutral","sentiment_score":0.050451565113279126}],"sentiment":"neutral","sentiment_score":0.09168713412114553,"num_words":70,"start":123.085,"end":155.265},{"sentences":[{"text":"Yep.","start":162.46,"end":162.96,"sentiment":"neutral","sentiment_score":0.12615956366062164},{"text":"So 50 k could still go into the self managed super fund, and you could then have that invested in, say, an investment part portfolio within your super fund, very similar to how you have 24 set up.","start":163.1,"end":173.805,"sentiment":"neutral","sentiment_score":0.16069486403935834},{"text":"And it could hold shares and ETFs and things like that for you.","start":174.84499,"end":177.64499,"sentiment":"neutral","sentiment_score":0.24949953189262977},{"text":"It's absolutely possible to do so.","start":177.64499,"end":179.42499,"sentiment":"neutral","sentiment_score":0.219365527232488},{"text":"You do also need to make sure within the a cash account that you do have, generally, between 20,000 to 30,000 available cash wise to make sure you're funding your regular expenses.","start":179.48499,"end":192.19,"sentiment":"neutral","sentiment_score":-0.0012787902378477156}],"sentiment":"neutral","sentiment_score":0.11945922430604697,"num_words":90,"start":162.46,"end":192.19},{"sentences":[{"text":"So, to kinda give you an idea, our role with setting this up is, we essentially provide the financial advice on how to set it up.","start":192.49,"end":202.005,"sentiment":"neutral","sentiment_score":0.14239399400181496},{"text":"We can set up a cash account for you and set up any investments within the fund.","start":202.24501,"end":206.265,"sentiment":"neutral","sentiment_score":0.20051594472983303},{"text":"Your broker and accountant have to work in unison with us so they your accountant actually sets the fund up itself.","start":207.045,"end":212.82501,"sentiment":"neutral","sentiment_score":0.17375261301086062},{"text":"It does the trust structures and does all the lodging with ASIC and the ATO and whatever else it has to do, and your broker organizes a loan for you.","start":213.125,"end":221.64,"sentiment":"neutral","sentiment_score":0.179347092906634},{"text":"The setup cost generally for your account and depending on what they're gonna charge can generally be about 5,000.","start":222.18,"end":228.04,"sentiment":"neutral","sentiment_score":0.02768722029500886}],"sentiment":"neutral","sentiment_score":0.14748928982731516,"num_words":113,"start":192.49,"end":228.04},{"sentences":[{"text":"For us to provide the financial advice, we do have to essentially onboard your super fund as a brand new client.","start":228.66,"end":234.89499,"sentiment":"neutral","sentiment_score":0.18585747054644994},{"text":"So we would charge the upfront fee.","start":234.89499,"end":236.915,"sentiment":"neutral","sentiment_score":0.14756639727524348},{"text":"And then if there's any investments within the fund, we do charge an ongoing maintenance or service fee as well.","start":237.135,"end":242.575,"sentiment":"neutral","sentiment_score":0.045064461417496204},{"text":"Okay?","start":242.575,"end":243.075,"sentiment":"neutral","sentiment_score":0.031254153698682785},{"text":"It's 3.3% capped at balances of 150,000.","start":245.47,"end":249.17,"sentiment":"neutral","sentiment_score":-0.016211863474122117}],"sentiment":"neutral","sentiment_score":0.10276842857378402,"num_words":56,"start":228.66,"end":249.17},{"sentences":[{"text":"For a self funded super fund, we can charge upwards of $5,000 for the setup cost of going to the process because we're setting up your cash management account as well as the investments that's inside that.","start":249.39,"end":260.475,"sentiment":"neutral","sentiment_score":0.11201531983710625},{"text":"And then for us to maintain your investment portfolio within the fund, we do charge an ongoing service fee the same as we would normally for your 20 sorry, twenty four super fund, which is 1.65% per annum.","start":261.035,"end":275.375,"sentiment":"neutral","sentiment_score":0.02030141891813592},{"text":"Yeah.","start":276.45,"end":276.77002,"sentiment":"neutral","sentiment_score":0.005499169230461121},{"text":"The other alternate it depends.","start":276.77002,"end":283.67,"sentiment":"neutral","sentiment_score":-0.054923467338085175},{"text":"It it honestly depends on the balance.","start":284.29,"end":286.71002,"sentiment":"neutral","sentiment_score":-0.05453159660100937}],"sentiment":"neutral","sentiment_score":0.04846797055903484,"num_words":88,"start":249.39,"end":286.71002},{"sentences":[{"text":"So we'd need to see if you're gonna have, say, 50,000 sitting in there.","start":286.77002,"end":290.47,"sentiment":"neutral","sentiment_score":-0.06614561751484871},{"text":"Towards the property?","start":296.025,"end":296.92502,"sentiment":"neutral","sentiment_score":0.07572612663110097},{"text":"Yeah.","start":303.545,"end":304.045,"sentiment":"neutral","sentiment_score":0.08787256479263306},{"text":"And is that sorry.","start":314.87,"end":315.83,"sentiment":"neutral","sentiment_score":-0.09441981930285692},{"text":"The 50,000 in the cash account, is that what you're saying?","start":315.83,"end":318.78998,"sentiment":"neutral","sentiment_score":-0.03901280352676457}],"sentiment":"neutral","sentiment_score":-0.042963873228114666,"num_words":33,"start":286.77002,"end":318.78998},{"sentences":[{"text":"Yep.","start":318.78998,"end":319.28998,"sentiment":"neutral","sentiment_score":0.018521979451179504},{"text":"The rest would go to the property?","start":322.655,"end":324.275,"sentiment":"neutral","sentiment_score":-0.00010029426110642297},{"text":"Okay.","start":325.695,"end":326.015,"sentiment":"neutral","sentiment_score":0.0023248493671417236},{"text":"So there's no investment within the fund there at all?","start":326.015,"end":328.83502,"sentiment":"neutral","sentiment_score":-0.09118167757987976},{"text":"So you don't want an investment portfolio within yourself in your super fund at all?","start":331.78998,"end":335.97,"sentiment":"neutral","sentiment_score":-0.07811744511127472}],"sentiment":"neutral","sentiment_score":-0.06068922598462771,"num_words":34,"start":318.78998,"end":335.97},{"sentences":[{"text":"No.","start":337.47,"end":337.97,"sentiment":"neutral","sentiment_score":-0.28237855434417725},{"text":"Okay.","start":339.31,"end":339.81,"sentiment":"neutral","sentiment_score":0.07330463826656342},{"text":"That's absolutely fine.","start":340.03,"end":341.33,"sentiment":"neutral","sentiment_score":0.17993881305058798},{"text":"The the risks associated with that is that you're not gonna have diversification.","start":341.38998,"end":345.00998,"sentiment":"neutral","sentiment_score":-0.30924589702716243},{"text":"Most super funds only have one property, and those properties are generally held for about thirty years because there are limitations on paying them down quicker.","start":345.47,"end":353.895,"sentiment":"neutral","sentiment_score":-0.23639243096113205}],"sentiment":"neutral","sentiment_score":-0.22353766689246352,"num_words":44,"start":337.47,"end":353.895},{"sentences":[{"text":"So you do have the risk that getting to 60, which is your goal age for a time, and that you may still have this property, that you may still have a debt, and that you may have to sell that.","start":355.155,"end":364.65,"sentiment":"neutral","sentiment_score":-0.27922038261483356},{"text":"And there could be a risk that you may have to sell it at a loss in order to access the funds in retirement.","start":364.65,"end":369.62997,"sentiment":"negative","sentiment_score":-0.34648521058261395},{"text":"So it is your financials your personal financials?","start":370.56998,"end":377.245,"sentiment":"neutral","sentiment_score":-0.007949470513267443},{"text":"Yeah.","start":378.345,"end":378.665,"sentiment":"neutral","sentiment_score":0.019899528473615646},{"text":"Yeah.","start":378.665,"end":378.905,"sentiment":"neutral","sentiment_score":0.06429391354322433}],"sentiment":"neutral","sentiment_score":-0.2632411075104028,"num_words":75,"start":355.155,"end":378.905},{"sentences":[{"text":"Absolutely.","start":378.905,"end":379.305,"sentiment":"neutral","sentiment_score":0.2296288013458252},{"text":"I've got your last back fund here.","start":379.305,"end":380.905,"sentiment":"neutral","sentiment_score":0.18550152544464385},{"text":"So you're very asset rich.","start":380.905,"end":382.105,"sentiment":"neutral","sentiment_score":0.1977660536766052},{"text":"You've got quite a lot of property, everything in your own name, and you've got your company there as well, which is fantastic.","start":382.105,"end":386.845,"sentiment":"neutral","sentiment_score":0.2798365302707838},{"text":"Yeah.","start":387.36,"end":387.86,"sentiment":"neutral","sentiment_score":-0.05201103910803795}],"sentiment":"neutral","sentiment_score":0.24057294337733373,"num_words":37,"start":378.905,"end":387.86},{"sentences":[{"text":"Sorry?","start":391.36,"end":391.86,"sentiment":"neutral","sentiment_score":-0.1817830204963684},{"text":"Yeah.","start":396.8,"end":397.19998,"sentiment":"neutral","sentiment_score":-0.13741613924503326},{"text":"No.","start":397.19998,"end":397.36,"sentiment":"neutral","sentiment_score":-0.26823532581329346},{"text":"There is still definitely a risk.","start":397.36,"end":399.21997,"sentiment":"neutral","sentiment_score":-0.3098678191502889},{"text":"As much as you've got a lot of lot of funds in your own name and your company, you are doing very well.","start":399.68,"end":405.285,"sentiment":"neutral","sentiment_score":-0.07631331099116284}],"sentiment":"neutral","sentiment_score":-0.13130773603916168,"num_words":32,"start":391.36,"end":405.285},{"sentences":[{"text":"However, your super fund is a whole another entity, and there are still risks involved.","start":405.505,"end":409.525,"sentiment":"neutral","sentiment_score":-0.2615490178267161},{"text":"So as much as you've got other funds and assets to offset that, which is great, essentially, your super fund still holds that risk.","start":409.745,"end":417.5,"sentiment":"neutral","sentiment_score":0.0012498901536067326},{"text":"And, I mean, even in retirement, if you've got that property at so up to 60 and you have to sell it because you still got a loan on the property, you do risk having to sell that at a bit of a loss or having to, you know, cover the cost of the loan.","start":417.5,"end":430.32,"sentiment":"negative","sentiment_score":-0.3672289861874147},{"text":"So there are still risks involved that do need to be considered, which are really important to sort of note down.","start":431.215,"end":436.995,"sentiment":"neutral","sentiment_score":-0.3156741424685433},{"text":"We still haven't, unfortunately, been able to get a hold of Casey to do the research with her, so we do need to have a really good chat with her in relation to this to make sure that it is in both of your best interest.","start":438.57498,"end":448.67,"sentiment":"neutral","sentiment_score":-0.08144489586677241}],"sentiment":"neutral","sentiment_score":-0.21407735618467658,"num_words":161,"start":405.505,"end":448.67},{"sentences":[{"text":"The other option yeah.","start":449.29,"end":456.19,"sentiment":"neutral","sentiment_score":0.012625002767890692},{"text":"Okay.","start":456.41,"end":456.89,"sentiment":"neutral","sentiment_score":0.22367903590202332},{"text":"Perfect.","start":456.89,"end":457.39,"sentiment":"positive","sentiment_score":0.33533740043640137},{"text":"So with regard to the fees, as we kinda went through, if you're not wanting to have an investment in there for us to do the advice for you, the upfront implementation fee would be about 5,000 on our part.","start":458.01,"end":467.82498,"sentiment":"neutral","sentiment_score":0.02493590072263032},{"text":"That would have to be paid for out of the super fund for us to go through, provide the advice, to set up the cash management account and to set up the things that we can definitely do.","start":467.82498,"end":477.82,"sentiment":"neutral","sentiment_score":0.15784282237291336}],"sentiment":"neutral","sentiment_score":0.09053547293435604,"num_words":84,"start":449.29,"end":477.82},{"sentences":[{"text":"If you are looking for a more cost effective way to do this, you can just speak to your accountant.","start":477.96,"end":483.66,"sentiment":"neutral","sentiment_score":0.036510369181632994},{"text":"You can have them set the funds up.","start":484.12,"end":485.96,"sentiment":"neutral","sentiment_score":0.08102136990055442},{"text":"It can be a little bit more cost effective for you, but they don't provide financial advice around the area around the setup structures and things like that.","start":485.96,"end":493.99503,"sentiment":"neutral","sentiment_score":-0.009082443346934659},{"text":"So it's up to you with the best way you wanted to go.","start":493.99503,"end":498.255,"sentiment":"positive","sentiment_score":0.3602082746533247},{"text":"I'm happy to provide the financial advice.","start":499.355,"end":501.11502,"sentiment":"positive","sentiment_score":0.5811173745564052}],"sentiment":"neutral","sentiment_score":0.12992893580935502,"num_words":76,"start":477.96,"end":501.11502},{"sentences":[{"text":"It is just a bit of a process we have to go through.","start":501.11502,"end":503.4,"sentiment":"neutral","sentiment_score":0.3113694890187337},{"text":"We need to do research, make sure everything's up to date, have the conversations with you, and make sure it is in your best interest.","start":503.4,"end":510.38,"sentiment":"neutral","sentiment_score":0.19729424834251405},{"text":"If we do the research and we find it's not in your best interest, then I can't provide provide the advice on that.","start":511.08002,"end":516.76,"sentiment":"negative","sentiment_score":-0.48801711460818414},{"text":"So I just have to make sure that you are fully aware of that.","start":516.76,"end":520.875,"sentiment":"neutral","sentiment_score":-0.14089078349726541},{"text":"Okay?","start":520.875,"end":521.375,"sentiment":"neutral","sentiment_score":-0.05678123980760574}],"sentiment":"neutral","sentiment_score":-0.05623008261777853,"num_words":76,"start":501.11502,"end":521.375},{"sentences":[{"text":"Perfect.","start":523.435,"end":523.935,"sentiment":"positive","sentiment_score":0.6267638206481934},{"text":"Perfect.","start":526.79504,"end":527.29504,"sentiment":"positive","sentiment_score":0.4376091957092285},{"text":"Sorry.","start":528.155,"end":528.655,"sentiment":"neutral","sentiment_score":0.07304447889328003},{"text":"To start with, we do need to the other thing I do wanna talk about is with the insurance side of things.","start":529.195,"end":534.04,"sentiment":"neutral","sentiment_score":0.0026107970625162125},{"text":"So you don't have any life TBD income protection, things like that at the moment.","start":534.04,"end":538.76,"sentiment":"neutral","sentiment_score":-0.03822531501452128}],"sentiment":"neutral","sentiment_score":0.015536882635205983,"num_words":40,"start":523.435,"end":538.76},{"sentences":[{"text":"It is really important as part of setting up a stock and a super fund that the insurance aspect is considered because if you do happen to have a loan on this property, which you will have, if anything happened to you, if you were to pass away, that property needs to be obviously paid out.","start":538.76,"end":554.305,"sentiment":"neutral","sentiment_score":-0.016579141025431454},{"text":"It needs to be insured.","start":554.305,"end":555.845,"sentiment":"neutral","sentiment_score":-0.06160288117825985},{"text":"Yeah.","start":555.985,"end":556.38495,"sentiment":"neutral","sentiment_score":0.007834816351532936},{"text":"Correct.","start":556.38495,"end":556.865,"sentiment":"neutral","sentiment_score":0.022381380200386047},{"text":"So are you wanting to look at maybe life, CPD, or income protection insurances to provide that extra protection for the funds in the sub and the super funds?","start":556.865,"end":566.96,"sentiment":"neutral","sentiment_score":0.011084316715855023}],"sentiment":"neutral","sentiment_score":-0.009617227413084196,"num_words":92,"start":538.76,"end":566.96},{"sentences":[{"text":"Yeah.","start":573.18,"end":573.42004,"sentiment":"neutral","sentiment_score":0.03297249600291252},{"text":"That's okay.","start":573.42004,"end":574.06,"sentiment":"neutral","sentiment_score":0.04854442924261093},{"text":"So probably so not a definite, but something you do wanna look at?","start":574.06,"end":577.52,"sentiment":"neutral","sentiment_score":-0.05643630371643947},{"text":"Yep.","start":578.495,"end":578.995,"sentiment":"neutral","sentiment_score":-0.04288264364004135},{"text":"Okay.","start":580.575,"end":580.97504,"sentiment":"neutral","sentiment_score":-0.002435728907585144}],"sentiment":"neutral","sentiment_score":-0.03605160924295584,"num_words":18,"start":573.18,"end":580.97504},{"sentences":[{"text":"No.","start":580.97504,"end":581.215,"sentiment":"neutral","sentiment_score":-0.023802263662219048},{"text":"That's okay.","start":581.215,"end":581.855,"sentiment":"neutral","sentiment_score":0.04770091362297535},{"text":"Perfect.","start":581.855,"end":582.355,"sentiment":"neutral","sentiment_score":0.3321632742881775},{"text":"Look.","start":583.295,"end":583.775,"sentiment":"neutral","sentiment_score":0.3297197222709656},{"text":"I'm more than happy to sort of go forward.","start":583.775,"end":585.135,"sentiment":"positive","sentiment_score":0.48893050683869255}],"sentiment":"positive","sentiment_score":0.3667040801207934,"num_words":14,"start":580.97504,"end":585.135},{"sentences":[{"text":"I think the next step we need to do is we need to be able to do the research with Casey.","start":585.135,"end":588.415,"sentiment":"neutral","sentiment_score":0.14995167510850088},{"text":"I do know the girls have been following up with her.","start":588.415,"end":590.55,"sentiment":"neutral","sentiment_score":0.055382841690020126},{"text":"We need to sort of more detail around both of your personal circumstances.","start":590.63,"end":594.01,"sentiment":"neutral","sentiment_score":0.02243449739538706},{"text":"So I'll get, the girls to follow-up with Casey to, find out more about her super, re go through the fact fine with you both just to sort of reassess all your assets, liabilities, and things like that.","start":594.87,"end":606.525,"sentiment":"neutral","sentiment_score":0.08149885278391211},{"text":"And then I'll need to come back and have just another joint conversation with the both of you, having a chat about the insurances, looking at your personal circumstances, and then looking to provide the advice from there for you.","start":606.84503,"end":618.60504,"sentiment":"neutral","sentiment_score":0.112023751065135}],"sentiment":"neutral","sentiment_score":0.09453456382441326,"num_words":123,"start":585.135,"end":618.60504},{"sentences":[{"text":"Is that okay?","start":618.60504,"end":619.505,"sentiment":"neutral","sentiment_score":0.14207442353169122},{"text":"Yep.","start":619.885,"end":620.385,"sentiment":"neutral","sentiment_score":0.101265549659729},{"text":"Perfect.","start":621.78,"end":622.28,"sentiment":"positive","sentiment_score":0.6744887232780457},{"text":"Is there normally a good time that suits her for the girls to try and give her a call?","start":624.82,"end":628.98,"sentiment":"neutral","sentiment_score":0.29765369272545766},{"text":"Or Yeah.","start":628.98,"end":635.955,"sentiment":"neutral","sentiment_score":0.14427291974425316}],"sentiment":"neutral","sentiment_score":0.2748439824925019,"num_words":26,"start":618.60504,"end":635.955},{"sentences":[{"text":"You're right.","start":635.955,"end":636.67505,"sentiment":"neutral","sentiment_score":0.2431717813014984},{"text":"I'll just see when our admin team are available to give her a buzz.","start":636.67505,"end":641.335,"sentiment":"neutral","sentiment_score":0.15164065414241382},{"text":"Let's have a quick look for you.","start":642.755,"end":644.775,"sentiment":"neutral","sentiment_score":0.1251270675233432},{"text":"So it does look like they have some availability this morning.","start":654.61005,"end":657.67004,"sentiment":"neutral","sentiment_score":0.1300976357676766},{"text":"If not, they could make it a day next week if it sorta suits.","start":657.89,"end":661.905,"sentiment":"neutral","sentiment_score":0.048566748787249835}],"sentiment":"neutral","sentiment_score":0.1165877222859611,"num_words":48,"start":635.955,"end":661.905},{"sentences":[{"text":"Does she does it works?","start":662.28503,"end":663.965,"sentiment":"neutral","sentiment_score":0.12013112902641296},{"text":"This morning works.","start":663.965,"end":665.025,"sentiment":"neutral","sentiment_score":0.12704640875260034},{"text":"Okay.","start":667.405,"end":667.805,"sentiment":"neutral","sentiment_score":0.1146618276834488},{"text":"No worries at all.","start":667.805,"end":668.605,"sentiment":"neutral","sentiment_score":0.17587613314390182},{"text":"I'll get the girls to give her another bit of a buzz this morning and see if they can do the research component with her.","start":668.605,"end":673.65,"sentiment":"neutral","sentiment_score":0.20340109288692473}],"sentiment":"neutral","sentiment_score":0.18118390931110634,"num_words":38,"start":662.28503,"end":673.65},{"sentences":[{"text":"And then, yeah, once we've done that, I'll have a look at everything.","start":674.37,"end":677.91003,"sentiment":"neutral","sentiment_score":0.12616721368752992},{"text":"I will just send you a bit of an email sort of following up on our call today so you've got that for clarification.","start":678.37,"end":683.59,"sentiment":"neutral","sentiment_score":0.14432751790930828},{"text":"And then we can I'll probably just you know, when we talk again, need to really look at your goals, what your access point is.","start":684.53,"end":690.855,"sentiment":"neutral","sentiment_score":0.19498068392276763},{"text":"We'll need to then sort of just check our borrowing capacity with you as well, and then we can go forward with the advice.","start":691.475,"end":697.095,"sentiment":"neutral","sentiment_score":0.15731885097920895},{"text":"And, you know, if there's anything additional, you're welcome to let me know.","start":697.95496,"end":701.415,"sentiment":"positive","sentiment_score":0.3410018877341197}],"sentiment":"neutral","sentiment_score":0.18370937646338434,"num_words":99,"start":674.37,"end":701.415},{"sentences":[{"text":"In the meantime, I do know because your super is sitting here at the moment, we do still after looking after that, we've got sent the ongoing service agreement just so we can continue looking after everything as it is at the moment until we can set these new structures up for you.","start":701.475,"end":714.91003,"sentiment":"neutral","sentiment_score":0.09674946914585132},{"text":"Have you had a look at that email that we've sent out recently?","start":715.585,"end":718.645,"sentiment":"neutral","sentiment_score":0.005140129405145462},{"text":"Or yeah.","start":718.945,"end":723.34503,"sentiment":"neutral","sentiment_score":0.025840286165475845},{"text":"Yeah.","start":723.34503,"end":723.665,"sentiment":"neutral","sentiment_score":0.07333835959434509},{"text":"No.","start":723.665,"end":723.905,"sentiment":"neutral","sentiment_score":0.09517468512058258}],"sentiment":"neutral","sentiment_score":0.07735338805775557,"num_words":70,"start":701.475,"end":723.905},{"sentences":[{"text":"We're definitely we're more than happy to do so.","start":723.905,"end":726.085,"sentiment":"positive","sentiment_score":0.5554714798927307},{"text":"We just wanna make sure that we're doing everything correct and abiding by all the rules and regulations that we do have to abide by.","start":726.385,"end":733.24,"sentiment":"neutral","sentiment_score":0.27777926743030545},{"text":"Yeah.","start":734.82,"end":735.3,"sentiment":"neutral","sentiment_score":0.17425160109996796},{"text":"That's okay.","start":735.3,"end":736.12,"sentiment":"neutral","sentiment_score":0.2581704407930374},{"text":"The other thing is making sure that you're aware that as being the trustee that you are responsible for everything.","start":736.34,"end":742.36,"sentiment":"neutral","sentiment_score":0.07744217216968537}],"sentiment":"neutral","sentiment_score":0.24882738475213972,"num_words":57,"start":723.905,"end":742.36},{"sentences":[{"text":"So you will have to, every year, make sure you're paying all of the the audit fees, the ACO fees, and things like that.","start":742.42,"end":748.855,"sentiment":"neutral","sentiment_score":0.08850619802251458},{"text":"You're more liaised with your account, and you're okay doing all of that.","start":748.855,"end":752.455,"sentiment":"neutral","sentiment_score":0.10780071409849021},{"text":"Yep.","start":752.455,"end":752.955,"sentiment":"neutral","sentiment_score":0.10399580001831056},{"text":"All good.","start":754.055,"end":754.615,"sentiment":"positive","sentiment_score":0.44398945569992065},{"text":"Just wanted to make sure.","start":754.615,"end":755.575,"sentiment":"neutral","sentiment_score":0.15149378776550293}],"sentiment":"neutral","sentiment_score":0.1172222596903642,"num_words":45,"start":742.42,"end":755.575},{"sentences":[{"text":"We kinda wanna just put these things out then to make sure you are aware before we jump into it, because setting up the structures is one thing, but breaking it down if you decide it's no longer viable is a whole another a whole another problem.","start":755.575,"end":767.25,"sentiment":"neutral","sentiment_score":-0.08435827929605828},{"text":"So we just wanna make sure that you're fully aware of what you're getting into there before we provide this advice, and I'm more than happy to help you along in this process.","start":767.25,"end":776.44495,"sentiment":"neutral","sentiment_score":0.2266868588825067},{"text":"As I said, I'll send you an email recapping our call, and I'll get the girls to give Katie a call and go through some research with her.","start":776.90497,"end":783.245,"sentiment":"neutral","sentiment_score":0.1493037614439215},{"text":"And then we'll come and have another conversation probably in a couple of weeks when the Easter's coming up.","start":783.785,"end":789.2,"sentiment":"neutral","sentiment_score":0.21599317224402176},{"text":"I am taking a little bit of time off with my son, but when I come back, we'll be able to touch base again, have a really good chat, and look at both of your goals in detail.","start":789.34,"end":798.14,"sentiment":"neutral","sentiment_score":0.2509436442663795}],"sentiment":"neutral","sentiment_score":0.12930946237210073,"num_words":165,"start":755.575,"end":798.14},{"sentences":[{"text":"Is that okay?","start":798.14,"end":799.04,"sentiment":"neutral","sentiment_score":0.19630918900171915},{"text":"Beautiful.","start":800.665,"end":801.165,"sentiment":"positive","sentiment_score":0.642940878868103},{"text":"Thank you so much for that.","start":801.305,"end":802.745,"sentiment":"positive","sentiment_score":0.6456760267416636},{"text":"I appreciate your time this morning, Alex.","start":802.745,"end":804.845,"sentiment":"positive","sentiment_score":0.39841465864862713},{"text":"Yeah.","start":805.545,"end":806.045,"sentiment":"neutral","sentiment_score":0.1522459089756012}],"sentiment":"positive","sentiment_score":0.44705961810217965,"num_words":18,"start":798.14,"end":806.045},{"sentences":[{"text":"Oh, good.","start":806.585,"end":806.985,"sentiment":"positive","sentiment_score":0.629508912563324},{"text":"I'll talk to you soon.","start":806.985,"end":807.945,"sentiment":"positive","sentiment_score":0.5371073007583618},{"text":"Thank you.","start":807.945,"end":808.685,"sentiment":"positive","sentiment_score":0.7271121442317963},{"text":"See you later.","start":809.705,"end":810.445,"sentiment":"neutral","sentiment_score":0.2050647959113121}],"sentiment":"positive","sentiment_score":0.5011644170929989,"num_words":12,"start":806.585,"end":810.445}]}}]},{"alternatives":[{"transcript":"Hello? Oh, I'm good. How are you? Yeah. Yeah. Not sure. Right? Yep. No. Not this early. Yes. Yep. No. I I know the full process, and I'm I'm after exactly that. Well, I wanna buy investment property with my super because I reckon it's just useless being in the super fund. I do. Yeah. Yeah. Yep. Yeah. I'm gonna I'm gonna use borrowing capacity. Yep. Probably about $2.02 or 3 mil. Yep. Yeah. I'm I'm I'm only gonna borrow I'm gonna get a better trust, and I'm only gonna borrow about $6,700,000. We've got about, yeah, we've got about $5.50 and super together combined. Yeah. Yeah. No. I'd probably use the whole lot. I'd probably keep it at 50 k in there in my super. That's about it. Yep. Monday. Sorry. Yep. Yep. For the property. Yep. Yes. Yep. Yep. Yep. Yep. Yep. Yep. What's the upfront say? Yep. Yep. Yep. Yep. I'll I'll tell I'm I'm gonna need exactly what those charges would be before I install them. Look. I've got I've got about $5.50. To be honest, I'll probably use the whole lot. I'll yeah. Look. I'd leave a little bit in the fund for, you know, any management fees or anything like that. Okay. And the rest would be for the loan. So oh, let's just say 500, and only 50. Yeah. We'll just leave that all 50 in there to manage the loan. Yeah. Yeah. Yeah. Probably probably about 30,000, actually. Yeah. Yep. What do you mean no investment? What do you mean no? No. No. That would be my investment right there. Yep. Yeah. Have you had have you had a look into my financials? Yeah. Yeah. Yep. Yeah. I don't see any risk at all, to be honest. I don't see a risk at all. I can't go going right out of all of that. Yeah. Yeah. Yeah. Yes. Yeah. No. It is. She's definitely in her best interest. She'll be she'll be talking to you very soon. Yes. Yes. Yes. Yep. Good day. My phone's closed. Yeah. That's alright. No problem. Yep. Yep. Mhmm. Insured No. That's yep. Yeah. Yeah. That'll be it. Yeah. Yeah. I probably will. Yep. Yep. Not a not a definite. Not a definite, but, yeah, I'm considering it. Okay. Alright. Yep. Yep. Yep. Okay. Yep. Sure. Yeah. Yeah. No worries. Alright. Give her a buzz and let me know. I'll give her a call now. Like, do you wanna do you wanna call her shortly? I can just give her a call and say that to your phone. Yep. Might be a sec, Jodie. Yep. Yep. No. This morning's good. Just do that. Just give her a buzz. Yeah. Yeah. I'll call her in a minute. Let her know. Yeah. Yeah. Yep. Perfect. Yep. Yep. Perfect. Okay. Yep. Yep. I haven't had a look at it now, because I was just been waiting to talk to you about setting this up. Right. Yeah. Yeah. Sure. No worries. Yeah. Yeah. Of course. Yep. Yep. Yeah. Yeah. Absolutely. Yep. Yeah. Yeah. Yeah. No. Fair enough. I get it. Yep. Awesome. Yep. That sounds good. No. No worries at all. Okay. 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Oh, I'm good. How are you? Yeah. Yeah.\n\nNot sure. Right? Yep. No. Not this early.\n\nYes. Yep. No. I I know the full process, and I'm I'm after exactly that. Well, I wanna buy investment property with my super because I reckon it's just useless being in the super fund.\n\nI do. Yeah. Yeah. Yep. Yeah.\n\nI'm gonna I'm gonna use borrowing capacity. Yep. Probably about $2.02 or 3 mil. Yep. Yeah.\n\nI'm I'm I'm only gonna borrow I'm gonna get a better trust, and I'm only gonna borrow about $6,700,000. We've got about, yeah, we've got about $5.50 and super together combined. Yeah. Yeah. No.\n\nI'd probably use the whole lot. I'd probably keep it at 50 k in there in my super. That's about it. Yep. Monday.\n\nSorry. Yep. Yep. For the property. Yep.\n\nYes. Yep. Yep. Yep. Yep.\n\nYep. Yep. What's the upfront say? Yep. Yep.\n\nYep. Yep. I'll I'll tell I'm I'm gonna need exactly what those charges would be before I install them. Look. I've got I've got about $5.50.\n\nTo be honest, I'll probably use the whole lot. I'll yeah. Look. I'd leave a little bit in the fund for, you know, any management fees or anything like that. Okay.\n\nAnd the rest would be for the loan. So oh, let's just say 500, and only 50. Yeah. We'll just leave that all 50 in there to manage the loan. Yeah.\n\nYeah. Yeah. Probably probably about 30,000, actually. Yeah. Yep.\n\nWhat do you mean no investment? What do you mean no? No. No. That would be my investment right there.\n\nYep. Yeah. Have you had have you had a look into my financials? Yeah. Yeah.\n\nYep. Yeah. I don't see any risk at all, to be honest. I don't see a risk at all. I can't go going right out of all of that.\n\nYeah. Yeah. Yeah. Yes. Yeah.\n\nNo. It is. She's definitely in her best interest. She'll be she'll be talking to you very soon. Yes.\n\nYes. Yes. Yep. Good day. My phone's closed.\n\nYeah. That's alright. No problem. Yep. Yep.\n\nMhmm. Insured No. That's yep. Yeah. Yeah.\n\nThat'll be it. Yeah. Yeah. I probably will. Yep.\n\nYep. Not a not a definite. Not a definite, but, yeah, I'm considering it. Okay. Alright.\n\nYep. Yep. Yep. Okay. Yep.\n\nSure. Yeah. Yeah. No worries. Alright.\n\nGive her a buzz and let me know. I'll give her a call now. Like, do you wanna do you wanna call her shortly? I can just give her a call and say that to your phone. Yep.\n\nMight be a sec, Jodie. Yep. Yep. No. This morning's good.\n\nJust do that. Just give her a buzz. Yeah. Yeah. I'll call her in a minute.\n\nLet her know. Yeah. Yeah. Yep. Perfect.\n\nYep. Yep. Perfect. Okay. Yep.\n\nYep. I haven't had a look at it now, because I was just been waiting to talk to you about setting this up. Right. Yeah. Yeah.\n\nSure. No worries. Yeah. Yeah. Of course.\n\nYep. Yep. Yeah. Yeah. Absolutely.\n\nYep. Yeah. Yeah. Yeah. No.\n\nFair enough. I get it. Yep. Awesome. Yep.\n\nThat sounds good. No. No worries at all. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.4399999,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.027426838874816895},{"text":"Oh, I'm good.","start":6.16,"end":6.72,"sentiment":"positive","sentiment_score":0.39806926250457764},{"text":"How are you?","start":6.72,"end":7.54,"sentiment":"positive","sentiment_score":0.3454408446947734},{"text":"Yeah.","start":14.16,"end":14.66,"sentiment":"neutral","sentiment_score":0.16612869501113892},{"text":"Yeah.","start":15.745,"end":16.064999,"sentiment":"neutral","sentiment_score":0.02104399725794792}],"sentiment":"neutral","sentiment_score":0.2716810947491063,"num_words":9,"start":1.4399999,"end":16.064999},{"sentences":[{"text":"Not 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It's Zena from OQ Financial. How are you this morning?\n\nChannel 1: Oh, I'm good. How are you?\n\nChannel 0: I'm very well. Thank you. I had you booked in to have a bit of a catch up and a chat around South Bay Superfunds. You're looking at opening one. Is now still\n\nChannel 1: Yeah.\n\nChannel 0: a good time there for you?\n\nChannel 1: Yeah. Not sure. Right? Yep.\n\nChannel 0: Yep. Perfect. I did have it down that I was meant to speak to yourself and Casey as well. Is she available at all, or is it just yourself at the moment? If not,\n\nChannel 1: No.\n\nChannel 0: that's okay.\n\nChannel 1: Not\n\nChannel 0: No.\n\nChannel 1: this\n\nChannel 0: That's\n\nChannel 1: early.\n\nChannel 0: okay. No.\n\nChannel 1: Yes.\n\nChannel 0: That's okay. Honestly, it's not a problem. I just want to sort of have a bit more of a general chat around what it is that you're after with regard to stuff and if you see your funds, your goals, and just make sure you understand the structure because for us to kinda go through and provide the advice, There is a lot\n\nChannel 1: Yep.\n\nChannel 0: of research and compliance that we have to adhere to, so we don't wanna go to the process of opening it up for you if it's really not something that you're after. Okay?\n\nChannel 1: No. I I know the full process, and I'm I'm after exactly that.\n\nChannel 0: Yeah. What's the main sort of reason for wanting a self managed super firm?\n\nChannel 1: Well, I wanna buy investment property with my super because I reckon it's just useless being in the super fund.\n\nChannel 0: Yep. Okay. So with the investment property and you understand the structure of how the South Main Superbond works. So, realistically,\n\nChannel 1: I do.\n\nChannel 0: you become the trustee\n\nChannel 1: Yeah.\n\nChannel 0: inside you know, your accountant sets up a trust for you. You're the trust d, so you're the one main responsible for all of that.\n\nChannel 1: Yeah.\n\nChannel 0: Inside that, then you can hold the property. If there is a loan on the property, then there is a bare trust or a separate trust set up within your super fund that holds the property.\n\nChannel 1: Yep.\n\nChannel 0: Have you spoken to a broker? Have you got an account on a broker on your side that have had a look at the setup, the structure, and what your borrowing capacity might be to be able to buy a property?\n\nChannel 1: Yeah. I'm gonna I'm gonna use borrowing capacity.\n\nChannel 0: Huge borrowing capacity.\n\nChannel 1: Yep.\n\nChannel 0: Have they told you what's the amount they've told you you've got available for borrowing?\n\nChannel 1: Probably about $2.02 or 3 mil.\n\nChannel 0: 2 to 3,000,000?\n\nChannel 1: Yep.\n\nChannel 0: Okay. And it's based on the that's based on what you have in that both of you have in Super Together as well as as well as your contributions and\n\nChannel 1: Yeah.\n\nChannel 0: things\n\nChannel 1: I'm\n\nChannel 0: like that?\n\nChannel 1: I'm I'm only gonna borrow I'm gonna get a better trust, and I'm only gonna borrow about $6,700,000.\n\nChannel 0: Yep. 6 to 7\n\nChannel 1: We've\n\nChannel 0: 100\n\nChannel 1: got about,\n\nChannel 0: thousand.\n\nChannel 1: yeah, we've got about $5.50 and super together combined.\n\nChannel 0: Yep. And would you be using all of that towards the deposit of the property, or\n\nChannel 1: Yeah.\n\nChannel 0: would you have\n\nChannel 1: Yeah.\n\nChannel 0: a little bit left over that you'd wanna have invested in something else?\n\nChannel 1: No. I'd probably use the whole lot. I'd probably keep it at 50 k in there in my super. That's about it.\n\nChannel 0: Yep. So 50 k could still go into the self managed super fund, and you could then have that invested in, say, an investment part portfolio within your super fund, very similar to how you have 24 set up.\n\nChannel 1: Yep.\n\nChannel 0: And it could hold shares and ETFs and things like that for you. It's absolutely possible to do\n\nChannel 1: Monday.\n\nChannel 0: so.\n\nChannel 1: Sorry.\n\nChannel 0: You do\n\nChannel 1: Yep.\n\nChannel 0: also need to make sure within the a cash account that you do have, generally, between 20,000 to 30,000 available\n\nChannel 1: Yep.\n\nChannel 0: cash\n\nChannel 1: For\n\nChannel 0: wise\n\nChannel 1: the\n\nChannel 0: to\n\nChannel 1: property.\n\nChannel 0: make sure you're funding your regular\n\nChannel 1: Yep.\n\nChannel 0: expenses. So,\n\nChannel 1: Yes. Yep.\n\nChannel 0: to kinda give you an idea, our role with setting this up is, we essentially provide the financial advice on how to set it up. We can set up a cash account for you and set up any investments within the fund.\n\nChannel 1: Yep.\n\nChannel 0: Your broker and accountant have to work in unison with us so they your accountant actually sets the fund up itself. It does the trust structures and does all the lodging with ASIC and the ATO and whatever else\n\nChannel 1: Yep.\n\nChannel 0: it has to do,\n\nChannel 1: Yep.\n\nChannel 0: and your broker organizes a loan for you.\n\nChannel 1: Yep.\n\nChannel 0: The setup cost generally for your account and depending on what they're gonna charge can generally be about 5,000. For us to provide the financial advice, we do have to essentially onboard your super fund as a brand new client. So we would charge the upfront fee. And then if there's any\n\nChannel 1: Yep.\n\nChannel 0: investments within the fund, we do charge an ongoing maintenance or service fee as well. Okay?\n\nChannel 1: What's the upfront say?\n\nChannel 0: It's 3.3% capped at balances of 150,000. For a self funded super fund, we can\n\nChannel 1: Yep.\n\nChannel 0: charge upwards of $5,000 for the setup cost of going to the process because we're setting up your cash management account as\n\nChannel 1: Yep.\n\nChannel 0: well as the investments that's inside that. And then for us to maintain your investment portfolio within the fund, we do charge an ongoing service fee the same as we would normally\n\nChannel 1: Yep.\n\nChannel 0: for your 20 sorry, twenty four super fund, which is 1.65% per annum.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. The\n\nChannel 1: I'll\n\nChannel 0: other alternate\n\nChannel 1: I'll tell I'm I'm gonna need exactly what those charges would be before\n\nChannel 0: it\n\nChannel 1: I\n\nChannel 0: depends.\n\nChannel 1: install\n\nChannel 0: It\n\nChannel 1: them.\n\nChannel 0: it honestly depends on the balance. So we'd need to see if you're gonna have, say, 50,000 sitting in there.\n\nChannel 1: Look. I've got I've got about $5.50. To be honest, I'll probably use the whole lot.\n\nChannel 0: Towards\n\nChannel 1: I'll\n\nChannel 0: the property?\n\nChannel 1: yeah. Look. I'd leave a little bit in the fund for, you know, any management fees or anything like that.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. And the rest would be for the loan. So oh, let's just say 500, and only 50. Yeah. We'll just leave that all 50 in there to manage the loan.\n\nChannel 0: And is that sorry. The 50,000 in the cash account,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: is\n\nChannel 1: Yeah.\n\nChannel 0: that what you're saying? Yep.\n\nChannel 1: Probably probably about 30,000, actually. Yeah.\n\nChannel 0: The rest would go to the property?\n\nChannel 1: Yep.\n\nChannel 0: Okay. So there's no investment within the fund there at all?\n\nChannel 1: What do you mean no investment? What\n\nChannel 0: So\n\nChannel 1: do\n\nChannel 0: you\n\nChannel 1: you\n\nChannel 0: don't\n\nChannel 1: mean\n\nChannel 0: want\n\nChannel 1: no?\n\nChannel 0: an investment portfolio within yourself in your super fund at all?\n\nChannel 1: No. No. That\n\nChannel 0: No.\n\nChannel 1: would be my investment right there.\n\nChannel 0: Okay. That's absolutely\n\nChannel 1: Yep.\n\nChannel 0: fine. The the risks associated with that is that you're not gonna have diversification. Most super funds only have one property, and those properties are generally held for about thirty years because there are limitations on paying them down quicker. So you do have the risk that getting to 60, which is your goal age for a time, and that you may still have this property, that you may\n\nChannel 1: Yeah.\n\nChannel 0: still have a debt, and that you may have to sell that. And there could be a risk that you may have to sell it at a loss in order to access the funds in retirement.\n\nChannel 1: Have you had\n\nChannel 0: So it\n\nChannel 1: have\n\nChannel 0: is\n\nChannel 1: you had a look into my financials?\n\nChannel 0: your financials your personal\n\nChannel 1: Yeah.\n\nChannel 0: financials?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Yeah. Absolutely. I've got your last back fund here. So you're very asset rich.\n\nYou've got quite a lot of property, everything in your own name, and you've got\n\nChannel 1: Yep.\n\nChannel 0: your company there as well, which is fantastic.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I don't see any risk at all, to be honest.\n\nChannel 0: Sorry?\n\nChannel 1: I don't see a risk at all. I can't go going right out of all of that.\n\nChannel 0: Yeah. No. There is still definitely a risk. As much as you've got a lot of lot of funds in your own name and your company, you are doing very well. However, your super fund is a whole another entity, and there are still risks involved.\n\nSo\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: as much as you've got other funds and assets to offset that, which is great, essentially, your super fund still holds that risk. And, I mean, even in retirement, if you've got that property at so up to 60 and you have to sell it because you still got a loan on the property, you do risk having to sell that at a bit of a loss or having to, you know, cover the cost of the loan. So there are still risks involved that do need to be considered, which are really important to sort of note down.\n\nChannel 1: Yes.\n\nChannel 0: We still haven't, unfortunately, been able to get a hold of Casey to do the research with her, so we do need to have a really good chat with her in relation to this to make sure that it is in both of your best interest.\n\nChannel 1: Yeah.\n\nChannel 0: The\n\nChannel 1: No.\n\nChannel 0: other\n\nChannel 1: It is.\n\nChannel 0: option\n\nChannel 1: She's definitely in her best interest. She'll be she'll be talking to you very soon.\n\nChannel 0: yeah. Okay. Perfect. So with regard to the fees, as we kinda went through, if you're not wanting to have an investment in there for us to do the advice for you, the upfront implementation fee would be about 5,000 on our part. That would have to be paid for out of the super fund\n\nChannel 1: Yes.\n\nChannel 0: for us to go through, provide the advice, to set up the cash management account and to set up the things that we can definitely do. If you are looking for a more cost effective way to do this, you can just speak to your accountant. You can have them set the funds up. It can be a little bit more cost effective for you, but they don't provide financial advice around the area around the setup structures and things like that. So\n\nChannel 1: Yes.\n\nChannel 0: it's up to you with the best way you wanted to go. I'm happy to provide the financial advice. It is just a bit of a process we have to go through. We need to do research, make sure everything's up to date, have the conversations with you, and make sure it is in your best interest.\n\nChannel 1: Yes.\n\nChannel 0: If we do the research and we find it's not in your best interest, then I can't provide provide the advice on that. So\n\nChannel 1: Yep.\n\nChannel 0: I just have to make sure that you are\n\nChannel 1: Good\n\nChannel 0: fully aware of that. Okay?\n\nChannel 1: day. My phone's closed. Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: That's alright. No problem.\n\nChannel 0: Perfect. Sorry. To start with, we do need to the other thing I do wanna\n\nChannel 1: Yep.\n\nChannel 0: talk about is with the insurance side of things. So you don't have any life TBD income protection, things like that at the moment. It is really important as part of setting up a stock and a super fund that the insurance aspect is considered because if you do happen to have a loan on this property, which you will have,\n\nChannel 1: Yep.\n\nChannel 0: if anything happened to you, if you were to pass away, that property needs to be obviously paid\n\nChannel 1: Mhmm. Insured\n\nChannel 0: out. It needs\n\nChannel 1: No. That's\n\nChannel 0: to\n\nChannel 1: yep.\n\nChannel 0: be insured. Yeah. Correct. So\n\nChannel 1: Yeah. Yeah. That'll be it.\n\nChannel 0: are\n\nChannel 1: Yeah.\n\nChannel 0: you wanting to look at maybe life, CPD, or income protection insurances to provide that extra protection for the funds in the sub and the super funds?\n\nChannel 1: Yeah. I probably will. Yep. Yep.\n\nChannel 0: Yeah. That's okay. So probably so not a definite, but something you\n\nChannel 1: Not\n\nChannel 0: do wanna\n\nChannel 1: a not\n\nChannel 0: look\n\nChannel 1: a\n\nChannel 0: at?\n\nChannel 1: definite. Not a definite,\n\nChannel 0: Yep.\n\nChannel 1: but, yeah, I'm considering it.\n\nChannel 0: Okay. No. That's okay. Perfect. Look.\n\nI'm more than happy to sort of go forward. I think the next step we need to do is we need to be able to do the research with Casey. I do know the girls\n\nChannel 1: Okay.\n\nChannel 0: have been following up with her. We need\n\nChannel 1: Alright.\n\nChannel 0: to sort of more detail around both of your personal circumstances.\n\nChannel 1: Yep.\n\nChannel 0: So I'll get, the girls to follow-up with Casey to, find out more about her super,\n\nChannel 1: Yep.\n\nChannel 0: re go through the fact fine with you both just to sort of reassess all your assets, liabilities, and things like that.\n\nChannel 1: Yep.\n\nChannel 0: And then I'll need to come back and have just another joint conversation with the both of you, having a chat about the insurances, looking at your personal\n\nChannel 1: Okay.\n\nChannel 0: circumstances, and\n\nChannel 1: Yep.\n\nChannel 0: then looking to provide the advice from there for you.\n\nChannel 1: Sure.\n\nChannel 0: Is that okay?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: No worries. Alright. Give her\n\nChannel 0: Perfect.\n\nChannel 1: a buzz and let me\n\nChannel 0: Is there normally a good time that suits her for the\n\nChannel 1: know.\n\nChannel 0: girls to try and give her a call?\n\nChannel 1: I'll\n\nChannel 0: Or\n\nChannel 1: give her a call now. Like, do you wanna do you wanna call her shortly? I can just give her a call and say that to your phone.\n\nChannel 0: Yeah. You're right. I'll just see when our admin team are available to give her a buzz.\n\nChannel 1: Yep.\n\nChannel 0: Let's have a quick look for you.\n\nChannel 1: Might be a sec, Jodie.\n\nChannel 0: So it does look like they have some availability this morning.\n\nChannel 1: Yep.\n\nChannel 0: If\n\nChannel 1: Yep.\n\nChannel 0: not, they could make it a day next week if it sorta suits.\n\nChannel 1: No. This\n\nChannel 0: Does\n\nChannel 1: morning's\n\nChannel 0: she does\n\nChannel 1: good.\n\nChannel 0: it\n\nChannel 1: Just\n\nChannel 0: works?\n\nChannel 1: do that.\n\nChannel 0: This\n\nChannel 1: Just\n\nChannel 0: morning\n\nChannel 1: give her\n\nChannel 0: works.\n\nChannel 1: a buzz. Yeah. Yeah. I'll call her in a minute. Let her know.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: No worries at all. I'll get the girls to give her another bit of a buzz this morning and see if they can do the research component with her.\n\nChannel 1: Yeah.\n\nChannel 0: And then, yeah, once we've done that, I'll have a look at everything. I will just send you a bit of an email sort of following up on our call today so you've got that for clarification.\n\nChannel 1: Yep. Perfect.\n\nChannel 0: And then we can I'll probably just you know, when we talk again, need to really look at your goals, what your access point is. We'll\n\nChannel 1: Yep.\n\nChannel 0: need\n\nChannel 1: Yep.\n\nChannel 0: to then sort of just check our borrowing capacity with you as well, and then we can go forward with the advice.\n\nChannel 1: Perfect.\n\nChannel 0: And, you know, if there's anything additional, you're welcome to let me know. In the\n\nChannel 1: Okay.\n\nChannel 0: meantime, I do know because your super is sitting here at the moment, we do still after looking after that, we've got sent the ongoing service agreement just so we can continue looking after everything as it is at the moment until we can set these new structures up for you.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Have you had\n\nChannel 1: I\n\nChannel 0: a look at that email that we've sent out recently? Or\n\nChannel 1: haven't had a look at it now, because I was just been waiting to talk to you about setting this up.\n\nChannel 0: yeah. Yeah. No. We're definitely we're more than happy to do so. We just wanna\n\nChannel 1: Right.\n\nChannel 0: make sure that we're doing everything correct and abiding by all the rules and regulations that we do have to abide by.\n\nChannel 1: Yeah. Yeah. Sure. No worries.\n\nChannel 0: Yeah. That's okay. The other thing is making sure that you're aware that as being the trustee that you are responsible for everything. So\n\nChannel 1: Yeah.\n\nChannel 0: you will\n\nChannel 1: Yeah. Of\n\nChannel 0: have\n\nChannel 1: course.\n\nChannel 0: to, every year, make sure you're paying all of the the audit fees, the ACO fees, and things like\n\nChannel 1: Yep.\n\nChannel 0: that. You're more liaised\n\nChannel 1: Yep.\n\nChannel 0: with your account, and you're okay doing all of that.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Absolutely. Yep.\n\nChannel 0: All good. Just wanted to make sure. We kinda wanna just put these things out then to make sure you are aware before we jump into it, because setting\n\nChannel 1: Yeah.\n\nChannel 0: up the\n\nChannel 1: Yeah.\n\nChannel 0: structures is one thing, but breaking it down if you decide it's no longer viable is a whole another a whole another problem. So\n\nChannel 1: Yeah. No. Fair enough.\n\nChannel 0: we just\n\nChannel 1: I get\n\nChannel 0: wanna\n\nChannel 1: it.\n\nChannel 0: make sure that you're fully aware of what you're getting into there before we provide this advice, and I'm more than happy to help you along in this process. As I said, I'll send you an email recapping our call, and I'll get the girls to give Katie a call and go through some research with her.\n\nChannel 1: Yep. Awesome.\n\nChannel 0: And then we'll come and have another conversation probably in a couple of weeks when the Easter's coming up. I\n\nChannel 1: Yep.\n\nChannel 0: am taking a little bit of time off with my son, but when I come back, we'll be able to touch base again, have a really good chat, and look at both of your goals in detail. Is that okay?\n\nChannel 1: That sounds good.\n\nChannel 0: Beautiful. Thank you so much for that. I appreciate your\n\nChannel 1: No.\n\nChannel 0: time this morning, Alex.\n\nChannel 1: No worries\n\nChannel 0: Yeah.\n\nChannel 1: at all.\n\nChannel 0: Oh, good. I'll talk to you soon. Thank you.\n\nChannel 1: Okay. Bye.\n\nChannel 0: See you later.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.4399999,"end":1.9399999,"sentiment":"neutral","sentiment_score":0.027426838874816895}],"sentiment":"neutral","sentiment_score":0.027426838874816895,"channel":1,"num_words":1,"start":1.4399999,"end":1.9399999},{"sentences":[{"text":"Hi, Alex.","start":2.72,"end":3.28,"sentiment":"neutral","sentiment_score":0.09905632585287094},{"text":"It's Zena from OQ Financial.","start":3.28,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.16236348152160646},{"text":"How are you this morning?","start":4.88,"end":6.02,"sentiment":"neutral","sentiment_score":0.1952017605304718}],"sentiment":"neutral","sentiment_score":0.16549490516384444,"channel":0,"num_words":12,"start":2.72,"end":6.02},{"sentences":[{"text":"Oh, I'm good.","start":6.16,"end":6.72,"sentiment":"positive","sentiment_score":0.39806926250457764},{"text":"How are you?","start":6.72,"end":7.54,"sentiment":"positive","sentiment_score":0.3454408446947734}],"sentiment":"positive","sentiment_score":0.3717550535996755,"channel":1,"num_words":6,"start":6.16,"end":7.54},{"sentences":[{"text":"I'm very well.","start":7.52,"end":8.32,"sentiment":"positive","sentiment_score":0.5497856537501017},{"text":"Thank you.","start":8.32,"end":8.72,"sentiment":"positive","sentiment_score":0.637908935546875},{"text":"I had you booked in to have a bit of a catch up and a chat around South Bay Superfunds.","start":8.72,"end":12.32,"sentiment":"neutral","sentiment_score":0.14146179221570493},{"text":"You're looking at opening one.","start":12.32,"end":13.599999,"sentiment":"neutral","sentiment_score":0.043779249489307406},{"text":"Is now still","start":13.599999,"end":14.32,"sentiment":"neutral","sentiment_score":0.05427981292208036}],"sentiment":"neutral","sentiment_score":0.18594382917790703,"channel":0,"num_words":33,"start":7.52,"end":14.32},{"sentences":[{"text":"Yeah.","start":14.16,"end":14.66,"sentiment":"neutral","sentiment_score":0.16612869501113892}],"sentiment":"neutral","sentiment_score":0.16612869501113892,"channel":1,"num_words":1,"start":14.16,"end":14.66},{"sentences":[{"text":"a good time there for you?","start":14.32,"end":15.78,"sentiment":"neutral","sentiment_score":0.22104639063278833}],"sentiment":"neutral","sentiment_score":0.22104639063278833,"channel":0,"num_words":6,"start":14.32,"end":15.78},{"sentences":[{"text":"Yeah.","start":15.745,"end":16.064999,"sentiment":"neutral","sentiment_score":0.02104399725794792},{"text":"Not sure.","start":16.064999,"end":16.545,"sentiment":"neutral","sentiment_score":0.005736904218792915},{"text":"Right?","start":16.545,"end":16.705,"sentiment":"neutral","sentiment_score":0.015660064294934273},{"text":"Yep.","start":16.705,"end":17.205,"sentiment":"neutral","sentiment_score":0.05008942633867264}],"sentiment":"neutral","sentiment_score":0.019653459265828132,"channel":1,"num_words":5,"start":15.745,"end":17.205},{"sentences":[{"text":"Yep.","start":17.405,"end":17.725,"sentiment":"neutral","sentiment_score":0.1299179494380951},{"text":"Perfect.","start":17.725,"end":18.205,"sentiment":"positive","sentiment_score":0.34574630856513977},{"text":"I did have it down that I was meant to speak to yourself and Casey as well.","start":18.205,"end":21.965,"sentiment":"neutral","sentiment_score":0.112498138757313},{"text":"Is she available at all, or is it just yourself at the moment?","start":21.965,"end":24.925,"sentiment":"neutral","sentiment_score":0.01977674261881755},{"text":"If not,","start":24.925,"end":25.325,"sentiment":"neutral","sentiment_score":-0.03782920353114605}],"sentiment":"neutral","sentiment_score":0.0755756430547027,"channel":0,"num_words":34,"start":17.405,"end":25.325},{"sentences":[{"text":"No.","start":25.265,"end":25.765,"sentiment":"neutral","sentiment_score":-0.09646840393543243}],"sentiment":"neutral","sentiment_score":-0.09646840393543243,"channel":1,"num_words":1,"start":25.265,"end":25.765},{"sentences":[{"text":"that's okay.","start":25.325,"end":26.064999,"sentiment":"neutral","sentiment_score":-0.05761523172259331}],"sentiment":"neutral","sentiment_score":-0.05761523172259331,"channel":0,"num_words":2,"start":25.325,"end":26.064999},{"sentences":[{"text":"Not","start":26.384998,"end":26.625,"sentiment":"neutral","sentiment_score":-0.05386333912611008}],"sentiment":"neutral","sentiment_score":-0.05386333912611008,"channel":1,"num_words":1,"start":26.384998,"end":26.625},{"sentences":[{"text":"No.","start":26.525,"end":26.765,"sentiment":"neutral","sentiment_score":-0.05505474656820297}],"sentiment":"neutral","sentiment_score":-0.05505474656820297,"channel":0,"num_words":1,"start":26.525,"end":26.765},{"sentences":[{"text":"this","start":26.625,"end":26.945,"sentiment":"neutral","sentiment_score":-0.019990872591733932}],"sentiment":"neutral","sentiment_score":-0.019990872591733932,"channel":1,"num_words":1,"start":26.625,"end":26.945},{"sentences":[{"text":"That's","start":26.765,"end":27.085,"sentiment":"neutral","sentiment_score":-0.02801076322793961}],"sentiment":"neutral","sentiment_score":-0.02801076322793961,"channel":0,"num_words":1,"start":26.765,"end":27.085},{"sentences":[{"text":"early.","start":26.945,"end":27.445,"sentiment":"neutral","sentiment_score":-0.03212527930736542}],"sentiment":"neutral","sentiment_score":-0.03212527930736542,"channel":1,"num_words":1,"start":26.945,"end":27.445},{"sentences":[{"text":"okay.","start":27.085,"end":27.585,"sentiment":"neutral","sentiment_score":0.01487295050173998},{"text":"No.","start":27.965,"end":28.205,"sentiment":"neutral","sentiment_score":0.0002854540944099426}],"sentiment":"neutral","sentiment_score":0.007579202298074962,"channel":0,"num_words":2,"start":27.085,"end":28.205},{"sentences":[{"text":"Yes.","start":28.145,"end":28.645,"sentiment":"neutral","sentiment_score":0.06236789748072624}],"sentiment":"neutral","sentiment_score":0.06236789748072624,"channel":1,"num_words":1,"start":28.145,"end":28.645},{"sentences":[{"text":"That's okay.","start":28.205,"end":28.945,"sentiment":"neutral","sentiment_score":0.122636828571558},{"text":"Honestly, it's not a problem.","start":29.34,"end":30.220001,"sentiment":"neutral","sentiment_score":0.22469958662986755},{"text":"I just want to sort of have a bit more of a general chat around what it is that you're after with regard to stuff and if you see your funds, your goals, and just make sure you understand the structure because for us to kinda go through and provide the advice, There is a lot","start":30.220001,"end":42.274998,"sentiment":"neutral","sentiment_score":0.11538779875263572}],"sentiment":"neutral","sentiment_score":0.12429346540381038,"channel":0,"num_words":63,"start":28.205,"end":42.274998},{"sentences":[{"text":"Yep.","start":42.055,"end":42.555,"sentiment":"neutral","sentiment_score":-0.030395276844501495}],"sentiment":"neutral","sentiment_score":-0.030395276844501495,"channel":1,"num_words":1,"start":42.055,"end":42.555},{"sentences":[{"text":"of research and compliance that we have to adhere to, so we don't wanna go to the process of opening it up for you if it's really not something that you're after.","start":42.274998,"end":50.614998,"sentiment":"neutral","sentiment_score":-0.04498072306159884},{"text":"Okay?","start":50.754997,"end":51.254997,"sentiment":"neutral","sentiment_score":-0.025984235107898712}],"sentiment":"neutral","sentiment_score":-0.04440507191148671,"channel":0,"num_words":33,"start":42.274998,"end":51.254997},{"sentences":[{"text":"No.","start":51.175,"end":51.575,"sentiment":"neutral","sentiment_score":-0.1522585153579712},{"text":"I I know the full process, and I'm I'm after exactly that.","start":51.575,"end":55.515,"sentiment":"neutral","sentiment_score":-0.11889572255313396}],"sentiment":"neutral","sentiment_score":-0.12146209123042914,"channel":1,"num_words":13,"start":51.175,"end":55.515},{"sentences":[{"text":"Yeah.","start":55.84,"end":56.16,"sentiment":"neutral","sentiment_score":-0.052622582763433456},{"text":"What's the main sort of reason for wanting a self managed super firm?","start":56.16,"end":59.46,"sentiment":"neutral","sentiment_score":-0.07397295964451936}],"sentiment":"neutral","sentiment_score":-0.0724479327244418,"channel":0,"num_words":14,"start":55.84,"end":59.46},{"sentences":[{"text":"Well, I wanna buy investment property with my super because I reckon it's just useless being in the super fund.","start":60.75,"end":68.45,"sentiment":"neutral","sentiment_score":-0.21088443994522094}],"sentiment":"neutral","sentiment_score":-0.21088443994522094,"channel":1,"num_words":20,"start":60.75,"end":68.45},{"sentences":[{"text":"Yep.","start":69.215004,"end":69.715004,"sentiment":"neutral","sentiment_score":-0.0349707156419754},{"text":"Okay.","start":69.775,"end":70.255005,"sentiment":"neutral","sentiment_score":-0.023838385939598083},{"text":"So with the investment property and you understand the structure of how the South Main Superbond works.","start":70.255005,"end":74.175,"sentiment":"neutral","sentiment_score":-0.00027962795951787164},{"text":"So, realistically,","start":74.175,"end":74.915,"sentiment":"neutral","sentiment_score":0.025484035722911358}],"sentiment":"neutral","sentiment_score":-0.0005997478784549804,"channel":0,"num_words":21,"start":69.215004,"end":74.915},{"sentences":[{"text":"I do.","start":75.185,"end":75.845,"sentiment":"neutral","sentiment_score":0.0362927857786417}],"sentiment":"neutral","sentiment_score":0.0362927857786417,"channel":1,"num_words":2,"start":75.185,"end":75.845},{"sentences":[{"text":"you become the trustee","start":75.455,"end":76.675,"sentiment":"neutral","sentiment_score":0.023460187017917633}],"sentiment":"neutral","sentiment_score":0.023460187017917633,"channel":0,"num_words":4,"start":75.455,"end":76.675},{"sentences":[{"text":"Yeah.","start":77.505,"end":78.005,"sentiment":"neutral","sentiment_score":0.02256310172379017}],"sentiment":"neutral","sentiment_score":0.02256310172379017,"channel":1,"num_words":1,"start":77.505,"end":78.005},{"sentences":[{"text":"inside you know, your accountant sets up a trust for you.","start":77.775,"end":80.895004,"sentiment":"neutral","sentiment_score":0.029141658917069435},{"text":"You're the trust d, so you're the one main responsible for all of that.","start":80.895004,"end":84.189995,"sentiment":"neutral","sentiment_score":0.022032184659370353}],"sentiment":"neutral","sentiment_score":0.02516035333275795,"channel":0,"num_words":25,"start":77.775,"end":84.189995},{"sentences":[{"text":"Yeah.","start":84.784996,"end":85.284996,"sentiment":"neutral","sentiment_score":0.03194943070411682}],"sentiment":"neutral","sentiment_score":0.03194943070411682,"channel":1,"num_words":1,"start":84.784996,"end":85.284996},{"sentences":[{"text":"Inside that, then you can hold the property.","start":84.96999,"end":88.59,"sentiment":"neutral","sentiment_score":0.03068883391097188},{"text":"If there is a loan on the property, then there is a bare trust or a separate trust set up within your super fund that holds the 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good.","start":754.055,"end":754.615,"sentiment":"positive","sentiment_score":0.44398945569992065},{"text":"Just wanted to make sure.","start":754.615,"end":755.575,"sentiment":"neutral","sentiment_score":0.15149378776550293},{"text":"We kinda wanna just put these things out then to make sure you are aware before we jump into it, because setting","start":755.575,"end":760.45,"sentiment":"neutral","sentiment_score":0.044769508425485}],"sentiment":"neutral","sentiment_score":0.0907026563995871,"channel":0,"num_words":29,"start":754.055,"end":760.45},{"sentences":[{"text":"Yeah.","start":760.3,"end":760.62,"sentiment":"neutral","sentiment_score":-0.04475228488445282}],"sentiment":"neutral","sentiment_score":-0.04475228488445282,"channel":1,"num_words":1,"start":760.3,"end":760.62},{"sentences":[{"text":"up 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problem.","start":760.77,"end":767.25,"sentiment":"neutral","sentiment_score":-0.20716400995202686},{"text":"So","start":767.25,"end":767.75,"sentiment":"neutral","sentiment_score":-0.012315776199102402}],"sentiment":"neutral","sentiment_score":-0.199045333545655,"channel":0,"num_words":24,"start":760.77,"end":767.75},{"sentences":[{"text":"Yeah.","start":767.65497,"end":767.975,"sentiment":"neutral","sentiment_score":-0.018990272656083107},{"text":"No.","start":767.975,"end":768.295,"sentiment":"neutral","sentiment_score":-0.04578255116939545},{"text":"Fair enough.","start":768.295,"end":769.035,"sentiment":"neutral","sentiment_score":0.005704376846551894}],"sentiment":"neutral","sentiment_score":-0.013341017533093691,"channel":1,"num_words":4,"start":767.65497,"end":769.035},{"sentences":[{"text":"we 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getting into there before we provide this advice, and I'm more than happy to help you along in this process.","start":770.37,"end":776.44495,"sentiment":"neutral","sentiment_score":0.2543630301952362},{"text":"As I said, I'll send you an email recapping our call, and I'll get the girls to give Katie a call and go through some research with her.","start":776.90497,"end":783.245,"sentiment":"neutral","sentiment_score":0.1493037614439215}],"sentiment":"neutral","sentiment_score":0.20275496835248513,"channel":0,"num_words":57,"start":770.37,"end":783.245},{"sentences":[{"text":"Yep.","start":783.08,"end":783.24,"sentiment":"neutral","sentiment_score":0.21081531047821045},{"text":"Awesome.","start":783.24,"end":783.74,"sentiment":"positive","sentiment_score":0.40885937213897705}],"sentiment":"neutral","sentiment_score":0.30983734130859375,"channel":1,"num_words":2,"start":783.08,"end":783.74},{"sentences":[{"text":"And then we'll come and have another conversation probably in a couple of weeks when the Easter's coming up.","start":783.785,"end":789.2,"sentiment":"neutral","sentiment_score":0.21599317224402176},{"text":"I","start":789.34,"end":789.5,"sentiment":"neutral","sentiment_score":0.1483566015958786}],"sentiment":"neutral","sentiment_score":0.2126113437116146,"channel":0,"num_words":20,"start":783.785,"end":789.5},{"sentences":[{"text":"Yep.","start":789.4,"end":789.9,"sentiment":"neutral","sentiment_score":0.17737314105033877}],"sentiment":"neutral","sentiment_score":0.17737314105033877,"channel":1,"num_words":1,"start":789.4,"end":789.9},{"sentences":[{"text":"am taking a little bit of time off with my son, but when I come back, we'll be able to touch base again, have a really good chat, and look at both of your goals in detail.","start":789.5,"end":798.14,"sentiment":"neutral","sentiment_score":0.25371626704125794},{"text":"Is that okay?","start":798.14,"end":799.04,"sentiment":"neutral","sentiment_score":0.19630918900171915}],"sentiment":"neutral","sentiment_score":0.24941073618829251,"channel":0,"num_words":40,"start":789.5,"end":799.04},{"sentences":[{"text":"That sounds good.","start":799.095,"end":800.235,"sentiment":"positive","sentiment_score":0.5235561827818552}],"sentiment":"positive","sentiment_score":0.5235561827818552,"channel":1,"num_words":3,"start":799.095,"end":800.235},{"sentences":[{"text":"Beautiful.","start":800.665,"end":801.165,"sentiment":"positive","sentiment_score":0.642940878868103},{"text":"Thank you so much for that.","start":801.305,"end":802.745,"sentiment":"positive","sentiment_score":0.6456760267416636},{"text":"I appreciate your","start":802.745,"end":803.46497,"sentiment":"positive","sentiment_score":0.486281285683314}],"sentiment":"positive","sentiment_score":0.5975840896368027,"channel":0,"num_words":10,"start":800.665,"end":803.46497},{"sentences":[{"text":"No.","start":803.33496,"end":803.6429,"sentiment":"neutral","sentiment_score":0.09338953346014024}],"sentiment":"neutral","sentiment_score":0.09338953346014024,"channel":1,"num_words":1,"start":803.33496,"end":803.6429},{"sentences":[{"text":"time this morning, Alex.","start":803.46497,"end":804.845,"sentiment":"neutral","sentiment_score":0.332514688372612}],"sentiment":"neutral","sentiment_score":0.332514688372612,"channel":0,"num_words":4,"start":803.46497,"end":804.845},{"sentences":[{"text":"No 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you.","start":807.945,"end":808.685,"sentiment":"positive","sentiment_score":0.7271121442317963}],"sentiment":"positive","sentiment_score":0.5998642908202277,"channel":0,"num_words":9,"start":806.585,"end":808.685},{"sentences":[{"text":"Okay.","start":808.2829,"end":808.7829,"sentiment":"neutral","sentiment_score":0.3262336254119873},{"text":"Bye.","start":808.8429,"end":809.3429,"sentiment":"positive","sentiment_score":0.3902314603328705}],"sentiment":"positive","sentiment_score":0.3582325428724289,"channel":1,"num_words":2,"start":808.2829,"end":809.3429},{"sentences":[{"text":"See you later.","start":809.705,"end":810.445,"sentiment":"neutral","sentiment_score":0.2050647959113121}],"sentiment":"neutral","sentiment_score":0.2050647959113121,"channel":0,"num_words":3,"start":809.705,"end":810.445}]},"summary":{"result":"success","short":"Representatives from OQ Financial and OQ Financial have called customers interested in self-funded super funds. The process of setting up the funds is discussed, including fees and ongoing service fees. The importance of diversification and risk management is emphasized, along with the need for proper coverage and researching personal circumstances to ensure proper coverage. The agents emphasize the importance of setting up a stock and a super fund to ensure proper insurance coverage and advise on insurances and regulations."},"intents":{"segments":[{"text":"We can set up a cash account for you and set up any investments within the fund. Yep.","start_word":677,"end_word":694,"intents":[{"intent":"Set up cash account","confidence_score":0.88356984}]},{"text":"So we would charge the upfront fee. And then if there's any Yep. investments within the fund, we do charge an ongoing maintenance or service fee as well. Okay?","start_word":788,"end_word":816,"intents":[{"intent":"Ask about fee","confidence_score":0.0000019324125}]},{"text":"The I'll other alternate I'll tell I'm I'm gonna need exactly what those charges would be before it I depends. install It them.","start_word":908,"end_word":930,"intents":[{"intent":"Understand charges","confidence_score":0.02264646}]},{"text":"it honestly depends on the balance. So we'd need to see if you're gonna have, say, 50,000 sitting in there. Look.","start_word":931,"end_word":951,"intents":[{"intent":"Check balance","confidence_score":0.005240052}]},{"text":"To be honest, I'll probably use the whole lot.","start_word":958,"end_word":966,"intents":[{"intent":"Use fund","confidence_score":0.0013147434}]},{"text":"We'll just leave that all 50 in there to manage the loan.","start_word":1011,"end_word":1022,"intents":[{"intent":"Manage loan","confidence_score":0.19414261}]},{"text":"So you don't have any life TBD income protection, things like that at the moment. It is really important as part of setting up a stock and a super fund that the insurance aspect is considered because if you do happen to have a loan on this property, which you will have, Yep. if anything happened to you, if you were to pass away, that property needs to be obviously paid Mhmm.","start_word":1794,"end_word":1865,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.12508468}]},{"text":"you wanting to look at maybe life, CPD, or income protection insurances to provide that extra protection for the funds in the sub and the super funds? Yeah.","start_word":1886,"end_word":1913,"intents":[{"intent":"Consider insurance options","confidence_score":0.13343486}]},{"text":"I'm more than happy to sort of go forward. I think the next step we need to do is we need to be able to do the research with Casey.","start_word":1955,"end_word":1984,"intents":[{"intent":"Conduct research","confidence_score":0.021568738}]},{"text":"So I'll get, the girls to follow-up with Casey to, find out more about her super, Yep. re go through the fact fine with you both just to sort of reassess all your assets, liabilities, and things like that.","start_word":2012,"end_word":2050,"intents":[{"intent":"Discuss assets and liabilities","confidence_score":0.075082995}]},{"text":"And then I'll need to come back and have just another joint conversation with the both of you, having a chat about the insurances, looking at your personal Okay. circumstances, and Yep. then looking to provide the advice from there for you.","start_word":2052,"end_word":2093,"intents":[{"intent":"Provide advice","confidence_score":0.741121}]},{"text":"I'll Or give her a call now. Like, do you wanna do you wanna call her shortly?","start_word":2132,"end_word":2148,"intents":[{"intent":"Schedule call with jodie","confidence_score":0.017644025}]},{"text":"Have you had I a look at that email that we've sent out recently? Or haven't had a look at it now, because I was just been waiting to talk to you about setting this up.","start_word":2443,"end_word":2478,"intents":[{"intent":"Set up","confidence_score":0.34498945}]},{"text":"The other thing is making sure that you're aware that as being the trustee that you are responsible for everything. So Yeah. you will Yeah.","start_word":2524,"end_word":2548,"intents":[{"intent":"Advise trustee responsibility","confidence_score":0.21050927}]},{"text":"As I said, I'll send you an email recapping our call, and I'll get the girls to give Katie a call and go through some research with her. Yep.","start_word":2688,"end_word":2716,"intents":[{"intent":"Recap call","confidence_score":0.03349039}]},{"text":"am taking a little bit of time off with my son, but when I come back, we'll be able to touch base again, have a really good chat, and look at both of your goals in detail. Is that okay?","start_word":2739,"end_word":2778,"intents":[{"intent":"Discuss goals","confidence_score":0.5784352}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Alex. It's Zena from OQ Financial. How are you this morning?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.1455756574869156},{"text":"Oh, I'm good. How are you? I'm very well. Thank you.","start_word":13,"end_word":23,"sentiment":"positive","sentiment_score":0.4675575792789459},{"text":"I had you booked in to have a bit of a catch up and a chat around South Bay Superfunds. You're looking at opening one. Is now still Yeah. a good time there for you? Yeah. Not sure. Right? Yep. Yep.","start_word":24,"end_word":64,"sentiment":"neutral","sentiment_score":0.11327636241912842},{"text":"Perfect.","start_word":65,"end_word":65,"sentiment":"positive","sentiment_score":0.34574630856513977},{"text":"I did have it down that I was meant to speak to yourself and Casey as well. Is she available at all, or is it just yourself at the moment? If not, No. that's okay. Not No. this That's early. okay. No. Yes. That's okay. Honestly, it's not a problem. I just want to sort of have a bit more of a general chat around what it is that you're after with regard to stuff and if you see your funds, your goals, and just make sure you understand the structure because for us to kinda go through and provide the advice, There is a lot Yep. of research and compliance that we have to adhere to, so we don't wanna go to the process of opening it up for you if it's really not something that you're after. Okay? No. I I know the full process, and I'm I'm after exactly that. Yeah. What's the main sort of reason for wanting a self managed super firm? Well, I wanna buy investment property with my super because I reckon it's just useless being in the super fund. Yep. Okay. So with the investment property and you understand the structure of how the South Main Superbond works. So, realistically, I do. you become the trustee Yeah. inside you know, your accountant sets up a trust for you. You're the trust d, so you're the one main responsible for all of that. Yeah. Inside that, then you can hold the property. If there is a loan on the property, then there is a bare trust or a separate trust set up within your super fund that holds the property. Yep. Have you spoken to a broker? Have you got an account on a broker on your side that have had a look at the setup, the structure, and what your borrowing capacity might be to be able to buy a property? Yeah. I'm gonna I'm gonna use borrowing capacity.","start_word":66,"end_word":392,"sentiment":"neutral","sentiment_score":0.01827667304385875},{"text":"Huge borrowing capacity.","start_word":393,"end_word":395,"sentiment":"positive","sentiment_score":0.5123222470283508},{"text":"Yep. Have they told you what's the amount they've told you you've got available for borrowing? Probably about $2.02 or 3 mil. 2 to 3,000,000? Yep. Okay. And it's based on the that's based on what you have in that both of you have in Super Together as well as as well as your contributions and Yeah. things I'm like that? I'm I'm only gonna borrow I'm gonna get a better trust, and I'm only gonna borrow about $6,700,000. Yep. 6 to 7 We've 100 got about, thousand. yeah, we've got about $5.50 and super together combined. Yep. And would you be using all of that towards the deposit of the property, or Yeah. would you have Yeah. a little bit left over that you'd wanna have invested in something else? No. I'd probably use the whole lot. I'd probably keep it at 50 k in there in my super. That's about it. Yep. So 50 k could still go into the self managed super fund, and you could then have that invested in, say, an investment part portfolio within your super fund, very similar to how you have 24 set up. Yep. And it could hold shares and ETFs and things like that for you. It's absolutely possible to do Monday. so. Sorry. You do Yep. also need to make sure within the a cash account that you do have, generally, between 20,000 to 30,000 available Yep. cash For wise the to property. make sure you're funding your regular Yep. expenses. So, Yes. Yep. to kinda give you an idea, our role with setting this up is, we essentially provide the financial advice on how to set it up. We can set up a cash account for you and set up any investments within the fund. Yep. Your broker and accountant have to work in unison with us so they your accountant actually sets the fund up itself. It does the trust structures and does all the lodging with ASIC and the ATO and whatever else Yep. it has to do, Yep. and your broker organizes a loan for you. Yep. The setup cost generally for your account and depending on what they're gonna charge can generally be about 5,000. For us to provide the financial advice, we do have to essentially onboard your super fund as a brand new client. So we would charge the upfront fee. And then if there's any Yep. investments within the fund, we do charge an ongoing maintenance or service fee as well. Okay? What's the upfront say? It's 3.3% capped at balances of 150,000. For a self funded super fund, we can Yep. charge upwards of $5,000 for the setup cost of going to the process because we're setting up your cash management account as Yep. well as the investments that's inside that. And then for us to maintain your investment portfolio within the fund, we do charge an ongoing service fee the same as we would normally Yep. for your 20 sorry, twenty four super fund, which is 1.65% per annum. Yep. Yeah. The I'll other alternate I'll tell I'm I'm gonna need exactly what those charges would be before it I depends. install It them. it honestly depends on the balance. So we'd need to see if you're gonna have, say, 50,000 sitting in there. Look. I've got I've got about $5.50. To be honest, I'll probably use the whole lot. Towards I'll the property? yeah. Look. I'd leave a little bit in the fund for, you know, any management fees or anything like that. Yeah. Okay. And the rest would be for the loan. So oh, let's just say 500, and only 50. Yeah. We'll just leave that all 50 in there to manage the loan. And is that sorry. The 50,000 in the cash account, Yeah. is Yeah. that Yeah. what you're saying? Yep. Probably probably about 30,000, actually. Yeah. The rest would go to the property? Yep. Okay. So there's no investment within the fund there at all? What do you mean no investment? What So do you you don't mean want no? an investment portfolio within yourself in your super fund at all? No. No. That No. would be my investment right there. Okay. That's absolutely Yep. fine. The the risks associated with that is that you're not gonna have diversification. Most super funds only have one property, and those properties are generally held for about thirty years because there are limitations on paying them down quicker. So you do have the risk that getting to 60, which is your goal age for a time, and that you may still have this property, that you may Yeah.","start_word":396,"end_word":1176,"sentiment":"neutral","sentiment_score":0.03158401907749579},{"text":"still have a debt, and that you may have to sell that. And there could be a risk that you may have to sell it at a loss in order to access the funds in retirement.","start_word":1177,"end_word":1212,"sentiment":"negative","sentiment_score":-0.33909618854522705},{"text":"Have you had So it is have you had a look into my financials? your financials your personal Yeah. financials? Yeah. Yeah. Yeah. Absolutely. I've got your last back fund here. So you're very asset rich. You've got quite a lot of property, everything in your own name, and you've got Yep.","start_word":1213,"end_word":1264,"sentiment":"neutral","sentiment_score":0.12651705741882324},{"text":"your company there as well, which is fantastic.","start_word":1265,"end_word":1272,"sentiment":"positive","sentiment_score":0.37888240814208984},{"text":"Yeah. Yeah. I don't see any risk at all, to be honest. Sorry? I don't see a risk at all. I can't go going right out of all of that. Yeah. No. There is still definitely a risk. As much as you've got a lot of lot of funds in your own name and your company, you are doing very well. However, your super fund is a whole another entity, and there are still risks involved. So Yeah. Yeah. Yeah. as much as you've got other funds and assets to offset that, which is great, essentially, your super fund still holds that risk.","start_word":1273,"end_word":1375,"sentiment":"neutral","sentiment_score":-0.1594056785106659},{"text":"And, I mean, even in retirement, if you've got that property at so up to 60 and you have to sell it because you still got a loan on the property, you do risk having to sell that at a bit of a loss or having to, you know, cover the cost of the loan.","start_word":1376,"end_word":1430,"sentiment":"negative","sentiment_score":-0.36184895038604736},{"text":"So there are still risks involved that do need to be considered, which are really important to sort of note down. Yes. We still haven't, unfortunately, been able to get a hold of Casey to do the research with her, so we do need to have a really good chat with her in relation to this to make sure that it is in both of your best interest. Yeah. The No. other It is. option She's definitely in her best interest. She'll be she'll be talking to you very soon. yeah. Okay.","start_word":1431,"end_word":1522,"sentiment":"neutral","sentiment_score":-0.07172761857509613},{"text":"Perfect.","start_word":1523,"end_word":1523,"sentiment":"positive","sentiment_score":0.33533740043640137},{"text":"So with regard to the fees, as we kinda went through, if you're not wanting to have an investment in there for us to do the advice for you, the upfront implementation fee would be about 5,000 on our part. That would have to be paid for out of the super fund Yes. for us to go through, provide the advice, to set up the cash management account and to set up the things that we can definitely do. If you are looking for a more cost effective way to do this, you can just speak to your accountant. You can have them set the funds up. It can be a little bit more cost effective for you, but they don't provide financial advice around the area around the setup structures and things like that. So Yes.","start_word":1524,"end_word":1660,"sentiment":"neutral","sentiment_score":0.06083483248949051},{"text":"it's up to you with the best way you wanted to go. I'm happy to provide the financial advice.","start_word":1661,"end_word":1679,"sentiment":"positive","sentiment_score":0.4522903263568878},{"text":"It is just a bit of a process we have to go through. We need to do research, make sure everything's up to date, have the conversations with you, and make sure it is in your best interest. Yes.","start_word":1680,"end_word":1718,"sentiment":"neutral","sentiment_score":0.2176412045955658},{"text":"If we do the research and we find it's not in your best interest, then I can't provide provide the advice on that.","start_word":1719,"end_word":1741,"sentiment":"negative","sentiment_score":-0.4899789094924927},{"text":"So Yep. I just have to make sure that you are Good fully aware of that. Okay? day. My phone's closed. Yeah.","start_word":1742,"end_word":1763,"sentiment":"neutral","sentiment_score":-0.11407366530461743},{"text":"Perfect. That's alright. No problem. Perfect.","start_word":1764,"end_word":1769,"sentiment":"positive","sentiment_score":0.4143887758255005},{"text":"Sorry. To start with, we do need to the other thing I do wanna Yep. talk about is with the insurance side of things. So you don't have any life TBD income protection, things like that at the moment. It is really important as part of setting up a stock and a super fund that the insurance aspect is considered because if you do happen to have a loan on this property, which you will have, Yep. if anything happened to you, if you were to pass away, that property needs to be obviously paid Mhmm. Insured out. It needs No. That's to yep. be insured. Yeah. Correct. So Yeah. Yeah. That'll be it. are Yeah. you wanting to look at maybe life, CPD, or income protection insurances to provide that extra protection for the funds in the sub and the super funds? Yeah. I probably will. Yep. Yep. Yeah. That's okay. So probably so not a definite, but something you Not do wanna a not look a at? definite. Not a definite, Yep. but, yeah, I'm considering it. Okay. No. That's okay. Perfect. Look.","start_word":1770,"end_word":1954,"sentiment":"neutral","sentiment_score":-0.010830161161720753},{"text":"I'm more than happy to sort of go forward.","start_word":1955,"end_word":1963,"sentiment":"positive","sentiment_score":0.4773715436458587},{"text":"I think the next step we need to do is we need to be able to do the research with Casey. I do know the girls Okay. have been following up with her. We need Alright. to sort of more detail around both of your personal circumstances. Yep. So I'll get, the girls to follow-up with Casey to, find out more about her super, Yep. re go through the fact fine with you both just to sort of reassess all your assets, liabilities, and things like that. Yep. And then I'll need to come back and have just another joint conversation with the both of you, having a chat about the insurances, looking at your personal Okay. circumstances, and Yep. then looking to provide the advice from there for you. Sure. Is that okay? Yeah. Yeah. Yep. No worries. Alright.","start_word":1964,"end_word":2103,"sentiment":"neutral","sentiment_score":0.09384714066982268},{"text":"Give her Perfect. a buzz and let me Is there normally a good time that suits her for the know.","start_word":2104,"end_word":2123,"sentiment":"positive","sentiment_score":0.44204261898994446},{"text":"girls to try and give her a call? I'll Or give her a call now. Like, do you wanna do you wanna call her shortly? I can just give her a call and say that to your phone. Yeah. You're right. I'll just see when our admin team are available to give her a buzz. Yep. Let's have a quick look for you. Might be a sec, Jodie. So it does look like they have some availability this morning. Yep. If Yep. not, they could make it a day next week if it sorta suits. No. This Does morning's she does good. it Just works? do that. This Just morning give her works. a buzz. Yeah. Yeah. I'll call her in a minute. Let her know. Okay. Yeah. No worries at all. I'll get the girls to give her another bit of a buzz this morning and see if they can do the research component with her. Yeah. And then, yeah, once we've done that, I'll have a look at everything. I will just send you a bit of an email sort of following up on our call today so you've got that for clarification. Yep.","start_word":2124,"end_word":2319,"sentiment":"neutral","sentiment_score":0.1330481320619583},{"text":"Perfect.","start_word":2320,"end_word":2320,"sentiment":"positive","sentiment_score":0.4171741306781769},{"text":"And then we can I'll probably just you know, when we talk again, need to really look at your goals, what your access point is. We'll Yep. need Yep. to then sort of just check our borrowing capacity with you as well, and then we can go forward with the advice.","start_word":2321,"end_word":2371,"sentiment":"neutral","sentiment_score":0.1683679223060608},{"text":"Perfect.","start_word":2372,"end_word":2372,"sentiment":"positive","sentiment_score":0.46074068546295166},{"text":"And, you know, if there's anything additional, you're welcome to let me know. In the Okay. meantime, I do know because your super is sitting here at the moment, we do still after looking after that, we've got sent the ongoing service agreement just so we can continue looking after everything as it is at the moment until we can set these new structures up for you. Yep. Yep. Have you had I a look at that email that we've sent out recently? Or haven't had a look at it now, because I was just been waiting to talk to you about setting this up. yeah. Yeah. No.","start_word":2373,"end_word":2480,"sentiment":"neutral","sentiment_score":0.10268035127470893},{"text":"We're definitely we're more than happy to do so.","start_word":2481,"end_word":2489,"sentiment":"positive","sentiment_score":0.5203412175178528},{"text":"We just wanna Right. make sure that we're doing everything correct and abiding by all the rules and regulations that we do have to abide by. Yeah. Yeah. Sure. No worries. Yeah. That's okay. The other thing is making sure that you're aware that as being the trustee that you are responsible for everything. So Yeah. you will Yeah. Of have course. to, every year, make sure you're paying all of the the audit fees, the ACO fees, and things like Yep. that. You're more liaised Yep. with your account, and you're okay doing all of that. Yeah. Yep. Yeah. Absolutely. Yep.","start_word":2490,"end_word":2591,"sentiment":"neutral","sentiment_score":0.1488063931465149},{"text":"All good.","start_word":2592,"end_word":2593,"sentiment":"positive","sentiment_score":0.4278119802474976},{"text":"Just wanted to make sure. We kinda wanna just put these things out then to make sure you are aware before we jump into it, because setting Yeah. up the Yeah. structures is one thing, but breaking it down if you decide it's no longer viable is a whole another a whole another problem. So Yeah. No. Fair enough. we just I get wanna it. make sure that you're fully aware of what you're getting into there before we provide this advice, and I'm more than happy to help you along in this process. As I said, I'll send you an email recapping our call, and I'll get the girls to give Katie a call and go through some research with her. Yep.","start_word":2594,"end_word":2716,"sentiment":"neutral","sentiment_score":0.07187024503946304},{"text":"Awesome.","start_word":2717,"end_word":2717,"sentiment":"positive","sentiment_score":0.40885937213897705},{"text":"And then we'll come and have another conversation probably in a couple of weeks when the Easter's coming up. I Yep. am taking a little bit of time off with my son, but when I come back, we'll be able to touch base again, have a really good chat, and look at both of your goals in detail. Is that okay?","start_word":2718,"end_word":2778,"sentiment":"neutral","sentiment_score":0.23673361539840695},{"text":"That sounds good. Beautiful. Thank you so much for that.","start_word":2779,"end_word":2788,"sentiment":"positive","sentiment_score":0.6433351635932922},{"text":"I appreciate your No. time this morning, Alex. No worries Yeah. at all.","start_word":2789,"end_word":2801,"sentiment":"neutral","sentiment_score":0.2540574073791504},{"text":"Oh, good. I'll talk to you soon. Thank you.","start_word":2802,"end_word":2810,"sentiment":"positive","sentiment_score":0.583378255367279},{"text":"Okay.","start_word":2811,"end_word":2811,"sentiment":"neutral","sentiment_score":0.3262336254119873},{"text":"Bye. See you later.","start_word":2812,"end_word":2815,"sentiment":"positive","sentiment_score":0.36678948998451233}],"average":{"sentiment":"neutral","sentiment_score":0.05562216903793284}}}}