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Good day, Ivan. It's Tommy here, senior adviser from Oakview, mate. Thank you for spending a few minutes with me today. With being at work, I'm going to just touch on basically four quick points with you just to make sure I can put a plan together, and then we can spend a bit more time when we run through the plan just to make sure you're happy with it. Is that okay? Perfect. One of the things I'm gonna quickly just touch on was just looking through your goals. There seems to be a lot there involved in just getting some protection and making sure your debts are covered because, obviously, you're coming close to your your preservation age. You're finishing off, like, your mortgage and everything like that. Is that pretty important to you at the moment? Yeah. So one thing I wanted to just be quite careful on is just on the insurance side of things is just making sure I can kind of hunt around for you and see who's gonna be best when it comes to, like, life insurance, disability to cover the debts. Is that okay? Yeah. The Epstein's anomaly. Yes. Perfect. So what I might do then is we're gonna look at some transfer terms to at least be able to move the policy around and see if we can get it a little bit more affordable for you. And your only bet is potentially gonna be some default cover on top of that, just a small amount just to cover some debts. I'm not gonna be able to get you a full suite of policies. And just like you said, it'll cost you $510 anyway. Yep. Exactly right. And insurance is more for you know, when you're younger, if you can't save up money, you don't build assets, it's helpful there. But in your case, you basically need to protect what you've built and finish off building it, not have it flood out in fees. You see, Dan? So I'll keep it nice and simple. There's only those two options, so I'll try and investigate that for you and get you the best outcome I can. When it comes to the super, obviously, you said you had a bit of an experience twelve years ago with an adviser. Did you end up having, like, performance issues, lack of contact? Like, can you just briefly walk me through kind of what happened? Yep. Yeah. Well, that's what I wanted to ask you. You hit your preservation age at 60, and that's your first point where you can start accessing super. So one of the things you can do like, are you aiming to retire at 67, or if you can, a little bit earlier than that? Yeah. Yeah. Yeah. Can I be completely transparent with you? Because I basically know how this was is gonna go for you. I have a lot of clients in the same boat. So let's say you're 57 now. Let's say you come on board with us and we move you super around and we try and get you a bit extra growth out of it. That's great. Something's gonna happen with the health just like you said. Soon as you hit 60, you can switch over to transition pensions or that kind of thing. Start accessing it as you need to. At some point, you're probably gonna need to do an insurance claim of some kind on life and TPD and get everything kind of set up into a bit of a pension so that you can actually live off of it, whether that's, you know, if you become terminal, if you become TPD, it'll have to stop working. You basically need to get all of your eggs together, structured up, and live off of it. Does that sound about right? So this is one of the things that we can definitely help you with that. We do a lot of setting up pension accounts, helping clients through insurance claims, helping them kind of structure to live off of it. So if nothing else, let's say I put together a plan now. If you're happy with it, we try and get you just a little bit more growth out of it for a few years. Once everything changes with your health, we're basically gonna set you up with, like, quarterly contact points. If anything happens in between those quarters, you just give us a buzz, and we can just start progressing you through insurance claims, transitioning your super into a pension account, and getting you all structured up and basically just help you through each of those transition phases. I think that's probably gonna be the most help we can do for you. Yeah. Yeah. Yeah. It became big in the nineties, from '90 two onwards. No. Yeah. Yeah. And then, basically, what it comes down to is we tie that into retirement plans. You do a bit of a sale if you need to. You rotate a few things around, you know, minimize the CGT, get it all structured up to live off, and that's pretty much what you're gonna end up doing. You already know it. Yeah. Well, it doesn't actually frustrate me because I came in in 2014, and I was basically dealing with all of the hangover from the GFC and all of the distrust that had happened there. First thing that happened when I got in was royal commissions, banks selling off advice firms, scandal after scandal with super funds, banks, financial advisers, all that kind of thing. And I've just seen it just nonstop the entire twelve years I've been doing it for, to be honest. And most people in your position have that that distrust for a reason. There was Storm Financial in North Queensland. That entire area is basically just you have to skip a generation before anyone's wanting to talk to anyone again. Do you know what I mean? How to slightly more transparent accountability to a small degree. Yeah. Mate, my my job is pretty simple because I was talking to to Fabian and the guys, and you're gonna have a bit of a look over the weekend and and hopefully hop on our financial services guide, are you? Yeah. So it's Oakview Financial. Even if you just Google it, it'll show us popping up in Southport Gold Coast and sorry. Oakview like a tree. And yeah. Oakview Financial. Got it there. Yeah. So what I wanna do, and this is basically the simpleness of it, right, is we're very limited in what we do with the insurances. Gonna try and get a slightly better outcome for the super and hopefully be alongside you to guide you through those phases with insurance claims, pensions, all that kind of thing. You'll see somebody on there, our head of advice, Larissa. She has specialized in we call it case management. She specializes in terminal illness, TBD, retirement. And, basically, Larissa and I will pretty much be looking after you for the next few years. And with the service agreements, obviously, it's, like, yearly based paid monthly, but you can fire us at any point if you're not happy with the service. I think that's probably the only thing you'll have to do if we do end up changing it around. We'll pretty much do pre fill forms, applications, all that thing for you. Yeah. But your your job service agency, they seem to be they would be pretty flexible. I'm assuming there'd be no EBAs or bargaining agreements restricting you. Yep. And you've carried that with you to this place. Yeah. And that's the thing is when we go through it, we're gonna obviously factor in fees. Look. I'm not gonna smoke and mirror you with projections and things like that. They'll be included to show the impact of the advice. But, basically, you hold us to account every quarter, every year. I'll be sending you reports about how it's gone after fees, and we talk about the market. We talk about how it's going. If you're happy, you're happy. If you're not, we change it, or we say see you later. Yeah. No. If something happens with your health, you can you can trigger conditions of release there, and, basically, our job is to go to bat for you with the providers and get it all released and structured so you can access it. So that's, again, probably the main health is when that happens, you let us know, and we jump onto it for you. I do have to ask you one other thing with the estate planning, though. Sorry. You've got Rosalyn there as your beneficiary for, like, the life insurance and the super. Like, you've have you already sorted out, like, a will and a power of attorney or everything, or is that still Okay. Yeah. That's why I wanted to ask you because you can if you wanted to, you could do a $25 will kit from the post office. You can do a $25 power of attorney kit for when your health goes, and Rosalind's got an easier time dealing with the doctors and the bank accounts and everything unless it's all joined. K. So if something happens and you go in a coma, they won't be able to access it unless they go to the court. I would recommend a power of attorney even if you go to the post office for $25 and put her down so that she can bypass that. I'm gonna recommend it, but it's up to you if you wanna do it. No. And it probably happens when you least expect it too. Gotcha. Got the cars, the credit card, the investment property, the mortgage. Hey. Look. Got a couple of properties, a little bit of super there. Like, everyone's gonna be very appreciative as long as you get to enjoy enjoy those years. And the treasure hunt sounds fantastic. Speaking of rooting around, you've just got the one boy, don't you? The Sun Bear, do you have anyone else with any other partners that we have to worry about when it comes to estate planning? Yep. Yeah. Gotcha. Gotcha. So is everyone pretty well outside of one 16 year old? Everyone else is over 18? Twenty 22 and 27. Just gonna write that down. Look. Again, my suggestion is try and put something in writing so that if you don't get a chance to sell everything off in time, at least there's something there so it's easier on them. Again, up to you if you wanna do that, but definitely in that situation, it it would be helpful for them. Yep. Go home, fill it in, get a witness. Happy days. Cool. Alright. So last two questions for you. You came out growth on the risk profile, like, half a point above where you currently are on a risk level. Do you wanna aim for slightly more growth in returns than what you're currently getting or keep it at the same risk level? K? So we're gonna go basically from about 75% growth assets to about eighty, eighty five. I'm gonna try and keep it nice, low fee investments for you, steady ship, just direct, buy some shares, buy some property, buy some gold. And that way, you don't have to deal with weird fund managers or fancy schemes or anything out of the ordinary. Yeah. Yeah. No. That's perfect. So most of the things that we're doing is we do I'm not gonna throw too much jargon at you, but it's basically ETFs, and they just buy those top 500 companies in The US, top 200 in Australia, gold property. It's just direct to market and just bypass everything. So that way, you basically know directly what assets you're holding. Cool. I'll put that together in plan. We've got you booked in for Tuesday. I'm not gonna recommend anything when it comes to contributions because, obviously, you said you've got the mortgage to finish off, the invested property, and saving in the bank. So I don't think you wanna do a bit of salary sacrifice or anything like that at the moment. That sound about right? The only thing I might do in a few years' time if we get there together is basically you hit 60 if you're still working. You can flip your super over to a transition pension. You pull 10% out, put 10% back in, claim it as a tax deduction. Tax differences goes in and boost up the super a little bit, but it should save you maybe 22¢ on the dollar after 60. Yeah. Yeah. And it's a little bit tricky to set up because you gotta open up a pension account, make sure you roll the money out, get it flowing back in. We'll do all the calculations for you, and it's not until you hit 60 anyway. But I'm just gonna put a note down as a future strategy there. Cool. Ivan, any questions for me before I let you go, sir? I don't think you ever will be until you, like, give it a go and you see some results. And to be honest, whatever happens in the market, if everything goes well, we're gonna look a lot better. If it goes bad, we're gonna look a lot worse. But, look, all I'll do is put together a plan. You make sure you're comfortable, and we'll go from there. Yeah. It's the pointing fingers because when you've got the layers of a super fund, the fund managers that invest your money and the financial advisers that are recommending it and strategizing it, then their licensee who looks after them, you've got four different groups who are all just trying to point fingers at each other because they don't wanna be stiffed up for $200,000,000. You know what I mean? Yeah. Yeah. You're exactly right. What I'm sort of thinking is if we get it in that sort of growth sector I'm talking about, let's say markets kick back up second half of this year because everything kind of settles down a bit on the news and you get some good growth out of it. We're pretty much gonna spend the next five to seven years together just gradually reducing the risk down from, like, 80%, seventy, sixty, fifty, forty just to make sure that, yeah, you're growing it, but the volatility just lessens and lessens the closer to the point where you need to access it. No. Yeah. Alright. Great question. So most of those super funds, they're very, very slow moving ships, and they've distributed their money out to ten, twenty, 30 fund managers across the planet. And they're investing in a little bit of everything, but they're not too heavily leaning in they're not concentrated or high conviction is the words I would use. There's no, we're gonna take a bet on this because it's looking good. It's just steady ship steady ship going in one direction. So the what we kind of do that's slightly different is 80% of it's kind of steady ship down the middle, low fees, just, you know, top companies, top properties, top gold, that kind of thing. And then the other ten twenty, we kind of split it out to different sectors. I think we had some clients in battery tech and lithium for some green energy, and they were jumping up sixty, eighty, 90%, but only a small portion of the money goes in there because, again, I can't have your super going from one twenty to 30 and then up to 200. Like, that's just too volatile for you. Does that make sense? Yeah. Yeah. You're pretty much getting close to the mark there. When it comes to whether you just take the hit or not, most of what we do I don't wanna use the buzzword long term, but those crises that tend to happen every seven years or so, GFC, .com bubble, nine eleven, COVID, Iran war, all that kind of thing, is for the majority of it, you go law of averages. And you say, okay. If this averages out at double digits, 10% over a hundred years despite there being three wars of pandemic and multiple financial crises, it's pretty reliable to kind of stick the ship as long as you've got the time. So, again, 30 year old's got thirty years. No worries. Someone who's 60 and about to retire in twelve months, they can't be waiting five years for it to bounce back. So that's where we need to go a little bit more careful. We don't, I guess, react to the news and go, oh my god. This has just crashed. Let's hop out of it and crystallize the loss. But there is a little bit of foresight to say, hey. Inflation is starting to pick up. These sectors and countries seem to be on a bit of a bad trend over the next five, ten years, so we'll just pivot away a little bit and pivot more towards these guys. And it just gets you that extra one or 2%. That's kind of the game changer, if that makes sense. We're not trying to day trade it. We're gonna hop on and go, oh, we're selling you to cash today to avoid the drop, and I'll throw you back in in a week, and you won't lose any money. We can't do that. No. That's alright, Ivan, mate. I've got everything I need. I'll put together a plan for Tuesday, and we'll talk then. Thanks, Ivan. 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You've got Tommy? Yeah. Fantastic, dude. How are you doing?\n\nOh, classic. Yeah. Yeah. Awesome. No.\n\nThat's you've touched it really well, man. Awesome. Yeah. Thanks so much, Ram. Good day, Ivan.\n\nIt's Tommy here, senior adviser from Oakview, mate. Thank you for spending a few minutes with me today. With being at work, I'm going to just touch on basically four quick points with you just to make sure I can put a plan together, and then we can spend a bit more time when we run through the plan just to make sure you're happy with it. Is that okay? Perfect.\n\nOne of the things I'm gonna quickly just touch on was just looking through your goals. There seems to be a lot there involved in just getting some protection and making sure your debts are covered because, obviously, you're coming close to your your preservation age. You're finishing off, like, your mortgage and everything like that. Is that pretty important to you at the moment? Yeah.\n\nSo one thing I wanted to just be quite careful on is just on the insurance side of things is just making sure I can kind of hunt around for you and see who's gonna be best when it comes to, like, life insurance, disability to cover the debts. Is that okay? Yeah. The Epstein's anomaly. Yes.\n\nPerfect. So what I might do then is we're gonna look at some transfer terms to at least be able to move the policy around and see if we can get it a little bit more affordable for you. And your only bet is potentially gonna be some default cover on top of that, just a small amount just to cover some debts. I'm not gonna be able to get you a full suite of policies. And just like you said, it'll cost you $510 anyway.\n\nYep. Exactly right. And insurance is more for you know, when you're younger, if you can't save up money, you don't build assets, it's helpful there. But in your case, you basically need to protect what you've built and finish off building it, not have it flood out in fees. You see, Dan?\n\nSo I'll keep it nice and simple. There's only those two options, so I'll try and investigate that for you and get you the best outcome I can. When it comes to the super, obviously, you said you had a bit of an experience twelve years ago with an adviser. Did you end up having, like, performance issues, lack of contact? Like, can you just briefly walk me through kind of what happened?\n\nYep. Yeah. Well, that's what I wanted to ask you. You hit your preservation age at 60, and that's your first point where you can start accessing super. So one of the things you can do like, are you aiming to retire at 67, or if you can, a little bit earlier than that?\n\nYeah. Yeah. Yeah. Can I be completely transparent with you? Because I basically know how this was is gonna go for you.\n\nI have a lot of clients in the same boat. So let's say you're 57 now. Let's say you come on board with us and we move you super around and we try and get you a bit extra growth out of it. That's great. Something's gonna happen with the health just like you said.\n\nSoon as you hit 60, you can switch over to transition pensions or that kind of thing. Start accessing it as you need to. At some point, you're probably gonna need to do an insurance claim of some kind on life and TPD and get everything kind of set up into a bit of a pension so that you can actually live off of it, whether that's, you know, if you become terminal, if you become TPD, it'll have to stop working. You basically need to get all of your eggs together, structured up, and live off of it. Does that sound about right?\n\nSo this is one of the things that we can definitely help you with that. We do a lot of setting up pension accounts, helping clients through insurance claims, helping them kind of structure to live off of it. So if nothing else, let's say I put together a plan now. If you're happy with it, we try and get you just a little bit more growth out of it for a few years. Once everything changes with your health, we're basically gonna set you up with, like, quarterly contact points.\n\nIf anything happens in between those quarters, you just give us a buzz, and we can just start progressing you through insurance claims, transitioning your super into a pension account, and getting you all structured up and basically just help you through each of those transition phases. I think that's probably gonna be the most help we can do for you. Yeah. Yeah. Yeah.\n\nIt became big in the nineties, from '90 two onwards. No. Yeah. Yeah. And then, basically, what it comes down to is we tie that into retirement plans.\n\nYou do a bit of a sale if you need to. You rotate a few things around, you know, minimize the CGT, get it all structured up to live off, and that's pretty much what you're gonna end up doing. You already know it. Yeah. Well, it doesn't actually frustrate me because I came in in 2014, and I was basically dealing with all of the hangover from the GFC and all of the distrust that had happened there.\n\nFirst thing that happened when I got in was royal commissions, banks selling off advice firms, scandal after scandal with super funds, banks, financial advisers, all that kind of thing. And I've just seen it just nonstop the entire twelve years I've been doing it for, to be honest. And most people in your position have that that distrust for a reason. There was Storm Financial in North Queensland. That entire area is basically just you have to skip a generation before anyone's wanting to talk to anyone again.\n\nDo you know what I mean? How to slightly more transparent accountability to a small degree. Yeah. Mate, my my job is pretty simple because I was talking to to Fabian and the guys, and you're gonna have a bit of a look over the weekend and and hopefully hop on our financial services guide, are you? Yeah.\n\nSo it's Oakview Financial. Even if you just Google it, it'll show us popping up in Southport Gold Coast and sorry. Oakview like a tree. And yeah. Oakview Financial.\n\nGot it there. Yeah. So what I wanna do, and this is basically the simpleness of it, right, is we're very limited in what we do with the insurances. Gonna try and get a slightly better outcome for the super and hopefully be alongside you to guide you through those phases with insurance claims, pensions, all that kind of thing. You'll see somebody on there, our head of advice, Larissa.\n\nShe has specialized in we call it case management. She specializes in terminal illness, TBD, retirement. And, basically, Larissa and I will pretty much be looking after you for the next few years. And with the service agreements, obviously, it's, like, yearly based paid monthly, but you can fire us at any point if you're not happy with the service. I think that's probably the only thing you'll have to do if we do end up changing it around.\n\nWe'll pretty much do pre fill forms, applications, all that thing for you. Yeah. But your your job service agency, they seem to be they would be pretty flexible. I'm assuming there'd be no EBAs or bargaining agreements restricting you. Yep.\n\nAnd you've carried that with you to this place. Yeah. And that's the thing is when we go through it, we're gonna obviously factor in fees. Look. I'm not gonna smoke and mirror you with projections and things like that.\n\nThey'll be included to show the impact of the advice. But, basically, you hold us to account every quarter, every year. I'll be sending you reports about how it's gone after fees, and we talk about the market. We talk about how it's going. If you're happy, you're happy.\n\nIf you're not, we change it, or we say see you later. Yeah. No. If something happens with your health, you can you can trigger conditions of release there, and, basically, our job is to go to bat for you with the providers and get it all released and structured so you can access it. So that's, again, probably the main health is when that happens, you let us know, and we jump onto it for you.\n\nI do have to ask you one other thing with the estate planning, though. Sorry. You've got Rosalyn there as your beneficiary for, like, the life insurance and the super. Like, you've have you already sorted out, like, a will and a power of attorney or everything, or is that still Okay. Yeah.\n\nThat's why I wanted to ask you because you can if you wanted to, you could do a $25 will kit from the post office. You can do a $25 power of attorney kit for when your health goes, and Rosalind's got an easier time dealing with the doctors and the bank accounts and everything unless it's all joined. K. So if something happens and you go in a coma, they won't be able to access it unless they go to the court. I would recommend a power of attorney even if you go to the post office for $25 and put her down so that she can bypass that.\n\nI'm gonna recommend it, but it's up to you if you wanna do it. No. And it probably happens when you least expect it too. Gotcha. Got the cars, the credit card, the investment property, the mortgage.\n\nHey. Look. Got a couple of properties, a little bit of super there. Like, everyone's gonna be very appreciative as long as you get to enjoy enjoy those years. And the treasure hunt sounds fantastic.\n\nSpeaking of rooting around, you've just got the one boy, don't you? The Sun Bear, do you have anyone else with any other partners that we have to worry about when it comes to estate planning? Yep. Yeah. Gotcha.\n\nGotcha. So is everyone pretty well outside of one 16 year old? Everyone else is over 18? Twenty 22 and 27. Just gonna write that down.\n\nLook. Again, my suggestion is try and put something in writing so that if you don't get a chance to sell everything off in time, at least there's something there so it's easier on them. Again, up to you if you wanna do that, but definitely in that situation, it it would be helpful for them. Yep. Go home, fill it in, get a witness.\n\nHappy days. Cool. Alright. So last two questions for you. You came out growth on the risk profile, like, half a point above where you currently are on a risk level.\n\nDo you wanna aim for slightly more growth in returns than what you're currently getting or keep it at the same risk level? K? So we're gonna go basically from about 75% growth assets to about eighty, eighty five. I'm gonna try and keep it nice, low fee investments for you, steady ship, just direct, buy some shares, buy some property, buy some gold. And that way, you don't have to deal with weird fund managers or fancy schemes or anything out of the ordinary.\n\nYeah. Yeah. No. That's perfect. So most of the things that we're doing is we do I'm not gonna throw too much jargon at you, but it's basically ETFs, and they just buy those top 500 companies in The US, top 200 in Australia, gold property.\n\nIt's just direct to market and just bypass everything. So that way, you basically know directly what assets you're holding. Cool. I'll put that together in plan. We've got you booked in for Tuesday.\n\nI'm not gonna recommend anything when it comes to contributions because, obviously, you said you've got the mortgage to finish off, the invested property, and saving in the bank. So I don't think you wanna do a bit of salary sacrifice or anything like that at the moment. That sound about right? The only thing I might do in a few years' time if we get there together is basically you hit 60 if you're still working. You can flip your super over to a transition pension.\n\nYou pull 10% out, put 10% back in, claim it as a tax deduction. Tax differences goes in and boost up the super a little bit, but it should save you maybe 22¢ on the dollar after 60. Yeah. Yeah. And it's a little bit tricky to set up because you gotta open up a pension account, make sure you roll the money out, get it flowing back in.\n\nWe'll do all the calculations for you, and it's not until you hit 60 anyway. But I'm just gonna put a note down as a future strategy there. Cool. Ivan, any questions for me before I let you go, sir? I don't think you ever will be until you, like, give it a go and you see some results.\n\nAnd to be honest, whatever happens in the market, if everything goes well, we're gonna look a lot better. If it goes bad, we're gonna look a lot worse. But, look, all I'll do is put together a plan. You make sure you're comfortable, and we'll go from there. Yeah.\n\nIt's the pointing fingers because when you've got the layers of a super fund, the fund managers that invest your money and the financial advisers that are recommending it and strategizing it, then their licensee who looks after them, you've got four different groups who are all just trying to point fingers at each other because they don't wanna be stiffed up for $200,000,000. You know what I mean? Yeah. Yeah. You're exactly right.\n\nWhat I'm sort of thinking is if we get it in that sort of growth sector I'm talking about, let's say markets kick back up second half of this year because everything kind of settles down a bit on the news and you get some good growth out of it. We're pretty much gonna spend the next five to seven years together just gradually reducing the risk down from, like, 80%, seventy, sixty, fifty, forty just to make sure that, yeah, you're growing it, but the volatility just lessens and lessens the closer to the point where you need to access it. No. Yeah. Alright.\n\nGreat question. So most of those super funds, they're very, very slow moving ships, and they've distributed their money out to ten, twenty, 30 fund managers across the planet. And they're investing in a little bit of everything, but they're not too heavily leaning in they're not concentrated or high conviction is the words I would use. There's no, we're gonna take a bet on this because it's looking good. It's just steady ship steady ship going in one direction.\n\nSo the what we kind of do that's slightly different is 80% of it's kind of steady ship down the middle, low fees, just, you know, top companies, top properties, top gold, that kind of thing. And then the other ten twenty, we kind of split it out to different sectors. I think we had some clients in battery tech and lithium for some green energy, and they were jumping up sixty, eighty, 90%, but only a small portion of the money goes in there because, again, I can't have your super going from one twenty to 30 and then up to 200. Like, that's just too volatile for you. Does that make sense?\n\nYeah. Yeah. You're pretty much getting close to the mark there. When it comes to whether you just take the hit or not, most of what we do I don't wanna use the buzzword long term, but those crises that tend to happen every seven years or so, GFC, .com bubble, nine eleven, COVID, Iran war, all that kind of thing, is for the majority of it, you go law of averages. And you say, okay.\n\nIf this averages out at double digits, 10% over a hundred years despite there being three wars of pandemic and multiple financial crises, it's pretty reliable to kind of stick the ship as long as you've got the time. So, again, 30 year old's got thirty years. No worries. Someone who's 60 and about to retire in twelve months, they can't be waiting five years for it to bounce back. So that's where we need to go a little bit more careful.\n\nWe don't, I guess, react to the news and go, oh my god. This has just crashed. Let's hop out of it and crystallize the loss. But there is a little bit of foresight to say, hey. Inflation is starting to pick up.\n\nThese sectors and countries seem to be on a bit of a bad trend over the next five, ten years, so we'll just pivot away a little bit and pivot more towards these guys. And it just gets you that extra one or 2%. That's kind of the game changer, if that makes sense. We're not trying to day trade it. We're gonna hop on and go, oh, we're selling you to cash today to avoid the drop, and I'll throw you back in in a week, and you won't lose any money.\n\nWe can't do that. No. That's alright, Ivan, mate. I've got everything I need. I'll put together a plan for Tuesday, and we'll talk then.\n\nThanks, Ivan. Talk soon, mate.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.4399999,"end":1.8399999,"sentiment":"neutral","sentiment_score":0.04308502376079559},{"text":"You've got Tommy?","start":1.8399999,"end":2.74,"sentiment":"neutral","sentiment_score":0.05159945165117582},{"text":"Yeah.","start":4.88,"end":5.2799997,"sentiment":"positive","sentiment_score":0.34390896558761597},{"text":"Fantastic, dude.","start":5.2799997,"end":6.08,"sentiment":"positive","sentiment_score":0.709884375333786},{"text":"How are you doing?","start":6.08,"end":6.98,"sentiment":"positive","sentiment_score":0.4161091595888138}],"sentiment":"neutral","sentiment_score":0.3296361575749787,"num_words":11,"start":1.4399999,"end":6.98},{"sentences":[{"text":"Oh, classic.","start":14.015,"end":14.835,"sentiment":"neutral","sentiment_score":0.09300215914845467},{"text":"Yeah.","start":28.75,"end":29.25,"sentiment":"neutral","sentiment_score":-0.09241590648889542},{"text":"Yeah.","start":46.844997,"end":47.344997,"sentiment":"neutral","sentiment_score":0.06047193706035614},{"text":"Awesome.","start":47.964996,"end":48.464996,"sentiment":"neutral","sentiment_score":0.2876736521720886},{"text":"No.","start":48.604996,"end":48.765,"sentiment":"neutral","sentiment_score":0.045392535626888275}],"sentiment":"neutral","sentiment_score":0.08118775611122449,"num_words":6,"start":14.015,"end":48.765},{"sentences":[{"text":"That's you've touched it really well, man.","start":48.765,"end":50.524998,"sentiment":"neutral","sentiment_score":0.2709253691136837},{"text":"Awesome.","start":50.524998,"end":51.024998,"sentiment":"positive","sentiment_score":0.541853129863739},{"text":"Yeah.","start":54.75,"end":54.99,"sentiment":"neutral","sentiment_score":0.2201791405677795},{"text":"Thanks so much, Ram.","start":54.99,"end":56.13,"sentiment":"positive","sentiment_score":0.5720429569482803},{"text":"Good day, Ivan.","start":79.58,"end":80.3,"sentiment":"neutral","sentiment_score":0.30610541502634686}],"sentiment":"positive","sentiment_score":0.36656237044371665,"num_words":16,"start":48.765,"end":80.3},{"sentences":[{"text":"It's Tommy here, senior adviser from Oakview, mate.","start":80.3,"end":82.78,"sentiment":"neutral","sentiment_score":0.2002709712833166},{"text":"Thank you for spending a few minutes with me today.","start":82.78,"end":84.96,"sentiment":"positive","sentiment_score":0.5816849499940873},{"text":"With being at work, I'm going to just touch on basically four quick points with you just to make sure I can put a plan together, and then we can spend a bit more time when we run through the plan just to make sure you're happy with it.","start":88.795,"end":99.835,"sentiment":"neutral","sentiment_score":0.3155551242585085},{"text":"Is that okay?","start":99.835,"end":100.65,"sentiment":"neutral","sentiment_score":0.2909298539161682},{"text":"Perfect.","start":102.57,"end":103.07,"sentiment":"positive","sentiment_score":0.7416681051254272}],"sentiment":"positive","sentiment_score":0.345009521489412,"num_words":71,"start":80.3,"end":103.07},{"sentences":[{"text":"One of the things I'm gonna quickly just touch on was just looking through your goals.","start":103.53,"end":107.47,"sentiment":"positive","sentiment_score":0.4762009549885988},{"text":"There seems to be a lot there involved in just getting some protection and making sure your debts are covered because, obviously, you're coming close to your your preservation age.","start":107.770004,"end":116.51,"sentiment":"neutral","sentiment_score":0.238086249679327},{"text":"You're finishing off, like, your mortgage and everything like that.","start":116.705,"end":119.505,"sentiment":"neutral","sentiment_score":0.11988966315984725},{"text":"Is that pretty important to you at the moment?","start":119.505,"end":122.165,"sentiment":"neutral","sentiment_score":0.19183314426077736},{"text":"Yeah.","start":125.185,"end":125.685,"sentiment":"neutral","sentiment_score":0.11363353580236436}],"sentiment":"neutral","sentiment_score":0.26970956418098824,"num_words":66,"start":103.53,"end":125.685},{"sentences":[{"text":"So one thing I wanted to just be quite careful on is just on the insurance side of things is just making sure I can kind of hunt around for you and see who's gonna be best when it comes to, like, life insurance, disability to cover the debts.","start":125.985,"end":140.08,"sentiment":"neutral","sentiment_score":0.06371754864040687},{"text":"Is that okay?","start":140.08,"end":140.98001,"sentiment":"neutral","sentiment_score":0.08329178144534428},{"text":"Yeah.","start":148.495,"end":148.815,"sentiment":"neutral","sentiment_score":-0.18325680494308472},{"text":"The Epstein's anomaly.","start":148.815,"end":150.19499,"sentiment":"negative","sentiment_score":-0.36215569575627643},{"text":"Yes.","start":153.775,"end":154.275,"sentiment":"neutral","sentiment_score":-0.1508786678314209}],"sentiment":"neutral","sentiment_score":0.034235660836362,"num_words":57,"start":125.985,"end":154.275},{"sentences":[{"text":"Perfect.","start":157.39,"end":157.79,"sentiment":"positive","sentiment_score":0.33653420209884644},{"text":"So what I might do then is we're gonna look at some transfer terms to at least be able to move the policy around and see if we can get it a little bit more affordable for you.","start":157.79,"end":168.45,"sentiment":"neutral","sentiment_score":0.19854670900263285},{"text":"And your only bet is potentially gonna be some default cover on top of that, just a small amount just to cover some debts.","start":168.67,"end":175.86499,"sentiment":"neutral","sentiment_score":0.06094666438487669},{"text":"I'm not gonna be able to get you a full suite of policies.","start":175.925,"end":178.405,"sentiment":"neutral","sentiment_score":-0.11823432204815057},{"text":"And just like you said, it'll cost you $510 anyway.","start":178.405,"end":181.625,"sentiment":"neutral","sentiment_score":-0.02795165255665779}],"sentiment":"neutral","sentiment_score":0.08752867880515582,"num_words":86,"start":157.39,"end":181.625},{"sentences":[{"text":"Yep.","start":188.98,"end":189.48,"sentiment":"neutral","sentiment_score":0.06790085136890411},{"text":"Exactly right.","start":189.54,"end":190.18,"sentiment":"neutral","sentiment_score":0.060206420719623566},{"text":"And insurance is more for you know, when you're younger, if you can't save up money, you don't build assets, it's helpful there.","start":190.18,"end":196.515,"sentiment":"neutral","sentiment_score":0.024518612934195477},{"text":"But in your case, you basically need to protect what you've built and finish off building it, not have it flood out in fees.","start":196.595,"end":202.295,"sentiment":"neutral","sentiment_score":0.024146039659778278},{"text":"You see, Dan?","start":205.555,"end":206.19499,"sentiment":"neutral","sentiment_score":0.17602747678756714}],"sentiment":"neutral","sentiment_score":0.03509111646211372,"num_words":53,"start":188.98,"end":206.19499},{"sentences":[{"text":"So I'll keep it nice and simple.","start":206.19499,"end":207.635,"sentiment":"positive","sentiment_score":0.4169506217752184},{"text":"There's only those two options, so I'll try and investigate that for you and get you the best outcome I can.","start":207.635,"end":212.49,"sentiment":"positive","sentiment_score":0.34405760892799925},{"text":"When it comes to the super, obviously, you said you had a bit of an experience twelve years ago with an adviser.","start":213.53,"end":219.23001,"sentiment":"neutral","sentiment_score":-0.019968456419354134},{"text":"Did you end up having, like, performance issues, lack of contact?","start":219.61,"end":223.77,"sentiment":"neutral","sentiment_score":-0.09368700872768056},{"text":"Like, can you just briefly walk me through kind of what happened?","start":223.77,"end":226.43001,"sentiment":"neutral","sentiment_score":-0.04234622077395519}],"sentiment":"neutral","sentiment_score":0.11186090895064073,"num_words":73,"start":206.19499,"end":226.43001},{"sentences":[{"text":"Yep.","start":234.645,"end":235.145,"sentiment":"neutral","sentiment_score":-0.1538287103176117},{"text":"Yeah.","start":265.88998,"end":266.38998,"sentiment":"neutral","sentiment_score":-0.06845192611217499},{"text":"Well, that's what I wanted to ask you.","start":278.14502,"end":279.845,"sentiment":"neutral","sentiment_score":0.07549877767451108},{"text":"You hit your preservation age at 60, and that's your first point where you can start accessing super.","start":280.46503,"end":285.765,"sentiment":"neutral","sentiment_score":0.1144129331741068},{"text":"So one of the things you can do like, are you aiming to retire at 67, or if you can, a little bit earlier than that?","start":285.98502,"end":292.12997,"sentiment":"neutral","sentiment_score":0.06382393321165672}],"sentiment":"neutral","sentiment_score":0.07593638232598703,"num_words":54,"start":234.645,"end":292.12997},{"sentences":[{"text":"Yeah.","start":297.62997,"end":298.12997,"sentiment":"neutral","sentiment_score":0.01750781573355198},{"text":"Yeah.","start":317.5,"end":318.0,"sentiment":"neutral","sentiment_score":-0.12053540349006651},{"text":"Yeah.","start":332.395,"end":332.895,"sentiment":"neutral","sentiment_score":-0.2119079828262329},{"text":"Can I be completely transparent with you?","start":338.73,"end":340.97,"sentiment":"neutral","sentiment_score":-0.0696643835731915},{"text":"Because I basically know how this was is gonna go for you.","start":340.97,"end":344.75,"sentiment":"neutral","sentiment_score":0.03348217345774174}],"sentiment":"neutral","sentiment_score":-0.0182181897319176,"num_words":22,"start":297.62997,"end":344.75},{"sentences":[{"text":"I have a lot of clients in the same boat.","start":345.21002,"end":347.05002,"sentiment":"neutral","sentiment_score":0.07764711380004882},{"text":"So let's say you're 57 now.","start":347.05002,"end":348.975,"sentiment":"neutral","sentiment_score":0.07961153735717137},{"text":"Let's say you come on board with us and we move you super around and we try and get you a bit extra growth out of it.","start":349.055,"end":353.45502,"sentiment":"neutral","sentiment_score":0.20270195962102325},{"text":"That's great.","start":353.45502,"end":354.195,"sentiment":"positive","sentiment_score":0.5077056586742401},{"text":"Something's gonna happen with the health just like you said.","start":354.495,"end":356.815,"sentiment":"neutral","sentiment_score":0.12115607634186745}],"sentiment":"neutral","sentiment_score":0.16280118823051454,"num_words":55,"start":345.21002,"end":356.815},{"sentences":[{"text":"Soon as you hit 60, you can switch over to transition pensions or that kind of thing.","start":356.815,"end":361.535,"sentiment":"neutral","sentiment_score":0.09208623889614553},{"text":"Start accessing it as you need to.","start":361.535,"end":363.475,"sentiment":"neutral","sentiment_score":0.12256867864302226},{"text":"At some point, you're probably gonna need to do an insurance claim of some kind on life and TPD and get everything kind of set up into a bit of a pension so that you can actually live off of it, whether that's, you know, if you become terminal, if you become TPD, it'll have to stop working.","start":363.535,"end":378.99,"sentiment":"neutral","sentiment_score":-0.030875015554243122},{"text":"You basically need to get all of your eggs together, structured up, and live off of it.","start":379.235,"end":384.115,"sentiment":"neutral","sentiment_score":0.014571174760075176},{"text":"Does that sound about right?","start":384.115,"end":385.655,"sentiment":"neutral","sentiment_score":0.08617926239967347}],"sentiment":"neutral","sentiment_score":0.01260867492797283,"num_words":104,"start":356.815,"end":385.655},{"sentences":[{"text":"So this is one of the things that we can definitely help you with that.","start":387.475,"end":391.575,"sentiment":"positive","sentiment_score":0.39815115729967754},{"text":"We do a lot of setting up pension accounts, helping clients through insurance claims, helping them kind of structure to live off of it.","start":391.81,"end":398.94998,"sentiment":"neutral","sentiment_score":0.24500123163064322},{"text":"So if nothing else, let's say I put together a plan now.","start":399.00998,"end":402.38998,"sentiment":"neutral","sentiment_score":0.2701796342929204},{"text":"If you're happy with it, we try and get you just a little bit more growth out of it for a few years.","start":402.69,"end":407.03,"sentiment":"positive","sentiment_score":0.6489179937735848},{"text":"Once everything changes with your health, we're basically gonna set you up with, like, quarterly contact points.","start":407.44498,"end":412.905,"sentiment":"positive","sentiment_score":0.35016023236162525}],"sentiment":"positive","sentiment_score":0.39529989381412883,"num_words":91,"start":387.475,"end":412.905},{"sentences":[{"text":"If anything happens in between those quarters, you just give us a buzz, and we can just start progressing you through insurance claims, transitioning your super into a pension account, and getting you all structured up and basically just help you through each of those transition phases.","start":413.365,"end":427.33002,"sentiment":"positive","sentiment_score":0.43124263527545525},{"text":"I think that's probably gonna be the most help we can do for you.","start":427.47,"end":430.21002,"sentiment":"positive","sentiment_score":0.5519209653139114},{"text":"Yeah.","start":446.76498,"end":447.26498,"sentiment":"neutral","sentiment_score":-0.08160024881362915},{"text":"Yeah.","start":478.14,"end":478.64,"sentiment":"neutral","sentiment_score":0.08626814186573029},{"text":"Yeah.","start":492.635,"end":493.135,"sentiment":"neutral","sentiment_score":0.056919023394584656}],"sentiment":"positive","sentiment_score":0.43838881701231003,"num_words":64,"start":413.365,"end":493.135},{"sentences":[{"text":"It became big in the nineties, from '90 two onwards.","start":502.81,"end":505.63,"sentiment":"neutral","sentiment_score":0.06188565976917744},{"text":"No.","start":517.225,"end":517.725,"sentiment":"neutral","sentiment_score":-0.10459067672491074},{"text":"Yeah.","start":541.895,"end":542.395,"sentiment":"neutral","sentiment_score":0.05887710303068161},{"text":"Yeah.","start":548.23,"end":548.73,"sentiment":"neutral","sentiment_score":0.10387863218784332},{"text":"And then, basically, what it comes down to is we tie that into retirement plans.","start":549.35004,"end":553.27,"sentiment":"neutral","sentiment_score":0.10862285842498144}],"sentiment":"neutral","sentiment_score":0.08237016187714678,"num_words":28,"start":502.81,"end":553.27},{"sentences":[{"text":"You do a bit of a sale if you need to.","start":553.27,"end":555.19,"sentiment":"neutral","sentiment_score":0.12609091333367609},{"text":"You rotate a few things around, you know, minimize the CGT, get it all structured up to live off, and that's pretty much what you're gonna end up doing.","start":555.19,"end":562.375,"sentiment":"neutral","sentiment_score":0.12705450941776408},{"text":"You already know it.","start":562.375,"end":563.435,"sentiment":"neutral","sentiment_score":0.00848987465724349},{"text":"Yeah.","start":599.63,"end":600.13,"sentiment":"neutral","sentiment_score":-0.026199568063020703},{"text":"Well, it doesn't actually frustrate me because I came in in 2014, and I was basically dealing with all of the hangover from the GFC and all of the distrust that had happened there.","start":612.685,"end":623.48,"sentiment":"negative","sentiment_score":-0.3625071769689812}],"sentiment":"neutral","sentiment_score":-0.09172029451384575,"num_words":79,"start":553.27,"end":623.48},{"sentences":[{"text":"First thing that happened when I got in was royal commissions, banks selling off advice firms, scandal after scandal with super funds, banks, financial advisers, all that kind of thing.","start":623.48,"end":635.33997,"sentiment":"neutral","sentiment_score":-0.33187927504380543},{"text":"And I've just seen it just nonstop the entire twelve years I've been doing it for, to be honest.","start":635.465,"end":640.045,"sentiment":"negative","sentiment_score":-0.4164789413150988},{"text":"And most people in your position have that that distrust for a reason.","start":640.265,"end":644.585,"sentiment":"negative","sentiment_score":-0.5295706116236173},{"text":"There was Storm Financial in North Queensland.","start":644.585,"end":646.605,"sentiment":"neutral","sentiment_score":-0.3160025179386139},{"text":"That entire area is basically just you have to skip a generation before anyone's wanting to talk to anyone again.","start":646.745,"end":653.3,"sentiment":"negative","sentiment_score":-0.42540726661682127}],"sentiment":"negative","sentiment_score":-0.3985849330934246,"num_words":89,"start":623.48,"end":653.3},{"sentences":[{"text":"Do you know what I mean?","start":653.44,"end":654.42,"sentiment":"neutral","sentiment_score":-0.2766052732865016},{"text":"How to slightly more transparent accountability to a small degree.","start":671.775,"end":683.77997,"sentiment":"neutral","sentiment_score":0.02265762686729431},{"text":"Yeah.","start":698.415,"end":698.915,"sentiment":"neutral","sentiment_score":0.03579295426607132},{"text":"Mate, my my job is pretty simple because I was talking to to Fabian and the guys, and you're gonna have a bit of a look over the weekend and and hopefully hop on our financial services guide, are you?","start":699.97,"end":710.39,"sentiment":"neutral","sentiment_score":0.17183530870825053},{"text":"Yeah.","start":714.065,"end":714.385,"sentiment":"neutral","sentiment_score":0.05020935088396072}],"sentiment":"neutral","sentiment_score":0.09528205659368942,"num_words":58,"start":653.44,"end":714.385},{"sentences":[{"text":"So it's Oakview Financial.","start":714.385,"end":716.005,"sentiment":"neutral","sentiment_score":0.0481510404497385},{"text":"Even if you just Google it, it'll show us popping up in Southport Gold Coast and sorry.","start":716.305,"end":723.34503,"sentiment":"neutral","sentiment_score":0.021348044358413008},{"text":"Oakview like a tree.","start":723.34503,"end":724.72504,"sentiment":"neutral","sentiment_score":0.16330255195498466},{"text":"And yeah.","start":727.41003,"end":729.33,"sentiment":"neutral","sentiment_score":0.03673091158270836},{"text":"Oakview Financial.","start":729.33,"end":730.31,"sentiment":"neutral","sentiment_score":0.03812998905777931}],"sentiment":"neutral","sentiment_score":0.046843204310099626,"num_words":29,"start":714.385,"end":730.31},{"sentences":[{"text":"Got it there.","start":736.785,"end":739.125,"sentiment":"neutral","sentiment_score":0.16428317626317343},{"text":"Yeah.","start":745.105,"end":745.425,"sentiment":"neutral","sentiment_score":0.21576158702373505},{"text":"So what I wanna do, and this is basically the simpleness of it, right, is we're very limited in what we do with the insurances.","start":745.425,"end":751.76495,"sentiment":"neutral","sentiment_score":0.05653092443943024},{"text":"Gonna try and get a slightly better outcome for the super and hopefully be alongside you to guide you through those phases with insurance claims, pensions, all that kind of thing.","start":752.13995,"end":762.48,"sentiment":"neutral","sentiment_score":0.2962514049103183},{"text":"You'll see somebody on there, our head of advice, Larissa.","start":762.86,"end":765.76,"sentiment":"neutral","sentiment_score":0.20728857517242433}],"sentiment":"neutral","sentiment_score":0.19112233615347318,"num_words":70,"start":736.785,"end":765.76},{"sentences":[{"text":"She has specialized in we call it case management.","start":766.39496,"end":770.255,"sentiment":"neutral","sentiment_score":0.12206251422564189},{"text":"She specializes in terminal illness, TBD, retirement.","start":770.39496,"end":774.33496,"sentiment":"neutral","sentiment_score":0.08735195440905434},{"text":"And, basically, Larissa and I will pretty much be looking after you for the next few years.","start":775.115,"end":779.77496,"sentiment":"neutral","sentiment_score":0.19299209117889404},{"text":"And with the service agreements, obviously, it's, like, yearly based paid monthly, but you can fire us at any point if you're not happy with the service.","start":780.14,"end":788.0,"sentiment":"neutral","sentiment_score":-0.20794387382489662},{"text":"I think that's probably the only thing you'll have to do if we do end up changing it around.","start":796.955,"end":800.895,"sentiment":"neutral","sentiment_score":-0.10548061759848344}],"sentiment":"neutral","sentiment_score":-0.033262335046937194,"num_words":79,"start":766.39496,"end":800.895},{"sentences":[{"text":"We'll pretty much do pre fill forms, applications, all that thing for you.","start":801.03503,"end":805.77,"sentiment":"neutral","sentiment_score":0.18507193143551165},{"text":"Yeah.","start":826.745,"end":827.245,"sentiment":"neutral","sentiment_score":-0.07893908023834229},{"text":"But your your job service agency, they seem to be they would be pretty flexible.","start":827.305,"end":831.545,"sentiment":"neutral","sentiment_score":-0.10424053917328517},{"text":"I'm assuming there'd be no EBAs or bargaining agreements restricting you.","start":831.545,"end":835.77997,"sentiment":"neutral","sentiment_score":-0.18182142011143945},{"text":"Yep.","start":864.03,"end":864.27,"sentiment":"neutral","sentiment_score":0.04391589015722275}],"sentiment":"neutral","sentiment_score":-0.029091019274258032,"num_words":41,"start":801.03503,"end":864.27},{"sentences":[{"text":"And you've carried that with you to this place.","start":864.27,"end":866.69,"sentiment":"neutral","sentiment_score":0.05500952092309793},{"text":"Yeah.","start":882.46,"end":882.96,"sentiment":"neutral","sentiment_score":-0.023109832778573036},{"text":"And that's the thing is when we go through it, we're gonna obviously factor in fees.","start":885.18,"end":889.28,"sentiment":"neutral","sentiment_score":-0.01346080657094717},{"text":"Look.","start":889.82,"end":889.98,"sentiment":"neutral","sentiment_score":0.02167501673102379},{"text":"I'm not gonna smoke and mirror you with projections and things like that.","start":889.98,"end":892.7,"sentiment":"neutral","sentiment_score":-0.03756014100061013}],"sentiment":"neutral","sentiment_score":-0.005250096647068858,"num_words":40,"start":864.27,"end":892.7},{"sentences":[{"text":"They'll be included to show the impact of the advice.","start":892.7,"end":895.2,"sentiment":"neutral","sentiment_score":0.06287962924689054},{"text":"But, basically, you hold us to account every quarter, every year.","start":895.505,"end":899.265,"sentiment":"neutral","sentiment_score":0.07211639461192218},{"text":"I'll be sending you reports about how it's gone after fees, and we talk about the market.","start":899.265,"end":905.02496,"sentiment":"neutral","sentiment_score":0.14779113320743337},{"text":"We talk about how it's going.","start":905.02496,"end":906.46497,"sentiment":"neutral","sentiment_score":0.17735170076290765},{"text":"If you're happy, you're happy.","start":906.46497,"end":907.505,"sentiment":"positive","sentiment_score":0.3999855101108551}],"sentiment":"neutral","sentiment_score":0.14282782965016608,"num_words":49,"start":892.7,"end":907.505},{"sentences":[{"text":"If you're not, we change it, or we say see you later.","start":907.505,"end":910.005,"sentiment":"neutral","sentiment_score":0.0008055272822578754},{"text":"Yeah.","start":933.21497,"end":933.71497,"sentiment":"neutral","sentiment_score":-0.04377221316099167},{"text":"No.","start":933.855,"end":934.095,"sentiment":"neutral","sentiment_score":-0.0913885533809662},{"text":"If something happens with your health, you can you can trigger conditions of release there, and, basically, our job is to go to bat for you with the providers and get it all released and structured so you can access it.","start":934.095,"end":944.48004,"sentiment":"neutral","sentiment_score":0.06159965884758205},{"text":"So that's, again, probably the main health is when that happens, you let us know, and we jump onto it for you.","start":944.48004,"end":950.115,"sentiment":"neutral","sentiment_score":0.16669599068435756}],"sentiment":"neutral","sentiment_score":0.07879744634612815,"num_words":77,"start":907.505,"end":950.115},{"sentences":[{"text":"I do have to ask you one other thing with the estate planning, though.","start":952.755,"end":956.27496,"sentiment":"neutral","sentiment_score":0.02185046180550541},{"text":"Sorry.","start":956.27496,"end":956.77496,"sentiment":"neutral","sentiment_score":-0.033612921833992004},{"text":"You've got Rosalyn there as your beneficiary for, like, the life insurance and the super.","start":958.195,"end":963.015,"sentiment":"neutral","sentiment_score":0.04078134621183078},{"text":"Like, you've have you already sorted out, like, a will and a power of attorney or everything, or is that still Okay.","start":964.48004,"end":984.75494,"sentiment":"neutral","sentiment_score":0.053976348262618885},{"text":"Yeah.","start":1012.86,"end":1013.36,"sentiment":"neutral","sentiment_score":-0.30222973227500916}],"sentiment":"neutral","sentiment_score":0.033382333323078335,"num_words":53,"start":952.755,"end":1013.36},{"sentences":[{"text":"That's why I wanted to ask you because you can if you wanted to, you could do a $25 will kit from the post office.","start":1013.98004,"end":1019.34,"sentiment":"neutral","sentiment_score":0.10482019215822219},{"text":"You can do a $25 power of attorney kit for when your health goes, and Rosalind's got an easier time dealing with the doctors and the bank accounts and everything unless it's all joined.","start":1019.34,"end":1028.975,"sentiment":"neutral","sentiment_score":0.054377021048875415},{"text":"K.","start":1044.0901,"end":1044.5901,"sentiment":"neutral","sentiment_score":-0.10858461260795592},{"text":"So if something happens and you go in a coma, they won't be able to access it unless they go to the court.","start":1044.81,"end":1049.9501,"sentiment":"neutral","sentiment_score":-0.17722108215093613},{"text":"I would recommend a power of attorney even if you go to the post office for $25 and put her down so that she can bypass that.","start":1050.415,"end":1057.395,"sentiment":"neutral","sentiment_score":0.09040571514655042}],"sentiment":"neutral","sentiment_score":0.024778257513588125,"num_words":110,"start":1013.98004,"end":1057.395},{"sentences":[{"text":"I'm gonna recommend it, but it's up to you if you wanna do it.","start":1057.455,"end":1060.275,"sentiment":"neutral","sentiment_score":0.26332560394491467},{"text":"No.","start":1070.43,"end":1070.93,"sentiment":"neutral","sentiment_score":-0.20525109767913816},{"text":"And it probably happens when you least expect it too.","start":1072.91,"end":1075.425,"sentiment":"neutral","sentiment_score":-0.17687297612428665},{"text":"Gotcha.","start":1087.025,"end":1087.525,"sentiment":"neutral","sentiment_score":-0.0276071485131979},{"text":"Got the cars, the credit card, the investment property, the mortgage.","start":1087.5851,"end":1090.145,"sentiment":"neutral","sentiment_score":0.0007087603550065647}],"sentiment":"neutral","sentiment_score":0.045750454370234464,"num_words":37,"start":1057.455,"end":1090.145},{"sentences":[{"text":"Hey.","start":1090.145,"end":1090.305,"sentiment":"neutral","sentiment_score":0.060532450675964355},{"text":"Look.","start":1090.305,"end":1090.65,"sentiment":"neutral","sentiment_score":0.06955038011074066},{"text":"Got a couple of properties, a little bit of super there.","start":1090.73,"end":1092.73,"sentiment":"neutral","sentiment_score":0.25634824484586716},{"text":"Like, everyone's gonna be very appreciative as long as you get to enjoy enjoy those years.","start":1092.73,"end":1098.11,"sentiment":"positive","sentiment_score":0.5027914736419916},{"text":"And the treasure hunt sounds fantastic.","start":1098.3301,"end":1100.11,"sentiment":"positive","sentiment_score":0.6847414672374725}],"sentiment":"positive","sentiment_score":0.43151502587965557,"num_words":35,"start":1090.145,"end":1100.11},{"sentences":[{"text":"Speaking of rooting around, you've just got the one boy, don't you?","start":1113.385,"end":1116.18,"sentiment":"neutral","sentiment_score":-0.03572472541903456},{"text":"The Sun Bear, do you have anyone else with any other partners that we have to worry about when it comes to estate planning?","start":1120.1001,"end":1125.2401,"sentiment":"neutral","sentiment_score":-0.02951698238030076},{"text":"Yep.","start":1147.1699,"end":1147.6699,"sentiment":"neutral","sentiment_score":-0.18279314041137695},{"text":"Yeah.","start":1158.145,"end":1158.645,"sentiment":"neutral","sentiment_score":0.0981546714901924},{"text":"Gotcha.","start":1166.64,"end":1166.88,"sentiment":"neutral","sentiment_score":0.1582389771938324}],"sentiment":"neutral","sentiment_score":-0.027269327535461158,"num_words":39,"start":1113.385,"end":1166.88},{"sentences":[{"text":"Gotcha.","start":1166.88,"end":1167.36,"sentiment":"neutral","sentiment_score":0.06837108731269836},{"text":"So is everyone pretty well outside of one 16 year old?","start":1167.36,"end":1170.5599,"sentiment":"neutral","sentiment_score":0.07531740347092802},{"text":"Everyone else is over 18?","start":1170.5599,"end":1171.94,"sentiment":"neutral","sentiment_score":0.02513170950114727},{"text":"Twenty 22 and 27.","start":1176.255,"end":1180.275,"sentiment":"neutral","sentiment_score":0.022663659416139126},{"text":"Just gonna write that down.","start":1180.335,"end":1181.795,"sentiment":"neutral","sentiment_score":0.039977484941482545}],"sentiment":"neutral","sentiment_score":0.050502428283485085,"num_words":26,"start":1166.88,"end":1181.795},{"sentences":[{"text":"Look.","start":1182.335,"end":1182.735,"sentiment":"neutral","sentiment_score":0.06640522181987762},{"text":"Again, my suggestion is try and put something in writing so that if you don't get a chance to sell everything off in time, at least there's something there so it's easier on them.","start":1182.735,"end":1190.64,"sentiment":"neutral","sentiment_score":0.08189162831096088},{"text":"Again, up to you if you wanna do that, but definitely in that situation, it it would be helpful for them.","start":1190.72,"end":1196.5,"sentiment":"neutral","sentiment_score":0.1732639322678248},{"text":"Yep.","start":1225.7101,"end":1226.1901,"sentiment":"neutral","sentiment_score":0.1535070836544037},{"text":"Go home, fill it in, get a witness.","start":1226.1901,"end":1227.9701,"sentiment":"neutral","sentiment_score":0.1675673983991146}],"sentiment":"neutral","sentiment_score":0.12282014512098753,"num_words":65,"start":1182.335,"end":1227.9701},{"sentences":[{"text":"Happy days.","start":1228.3501,"end":1229.17,"sentiment":"positive","sentiment_score":0.4090650677680969},{"text":"Cool.","start":1235.515,"end":1236.015,"sentiment":"neutral","sentiment_score":-0.006971776485443115},{"text":"Alright.","start":1239.915,"end":1240.315,"sentiment":"neutral","sentiment_score":0.03035910427570343},{"text":"So last two questions for you.","start":1240.315,"end":1242.255,"sentiment":"neutral","sentiment_score":0.02530144341289997},{"text":"You came out growth on the risk profile, like, half a point above where you currently are on a risk level.","start":1242.475,"end":1249.39,"sentiment":"neutral","sentiment_score":-0.010259800280133883}],"sentiment":"neutral","sentiment_score":0.02509259090067879,"num_words":31,"start":1228.3501,"end":1249.39},{"sentences":[{"text":"Do you wanna aim for slightly more growth in returns than what you're currently getting or keep it at the same risk level?","start":1249.53,"end":1254.67,"sentiment":"neutral","sentiment_score":0.017753027784435646},{"text":"K?","start":1258.425,"end":1258.745,"sentiment":"neutral","sentiment_score":-0.01769273728132248},{"text":"So we're gonna go basically from about 75% growth assets to about eighty, eighty five.","start":1258.745,"end":1263.485,"sentiment":"neutral","sentiment_score":0.13636163473129273},{"text":"I'm gonna try and keep it nice, low fee investments for you, steady ship, just direct, buy some shares, buy some property, buy some gold.","start":1264.265,"end":1271.6499,"sentiment":"positive","sentiment_score":0.4434980309009552},{"text":"And that way, you don't have to deal with weird fund managers or fancy schemes or anything out of the ordinary.","start":1271.7899,"end":1277.8099,"sentiment":"neutral","sentiment_score":0.11217805707738512}],"sentiment":"neutral","sentiment_score":0.18681460463387126,"num_words":85,"start":1249.53,"end":1277.8099},{"sentences":[{"text":"Yeah.","start":1286.605,"end":1287.105,"sentiment":"neutral","sentiment_score":0.1009604036808014},{"text":"Yeah.","start":1293.82,"end":1294.32,"sentiment":"neutral","sentiment_score":-0.11084331572055817},{"text":"No.","start":1312.235,"end":1312.5549,"sentiment":"neutral","sentiment_score":-0.008634895086288452},{"text":"That's perfect.","start":1312.5549,"end":1313.355,"sentiment":"neutral","sentiment_score":0.17264685779809952},{"text":"So most of the things that we're doing is we do I'm not gonna throw too much jargon at you, but it's basically ETFs, and they just buy those top 500 companies in The US, top 200 in Australia, gold property.","start":1313.355,"end":1325.97,"sentiment":"neutral","sentiment_score":0.16543564078875067}],"sentiment":"neutral","sentiment_score":0.15455733001758548,"num_words":46,"start":1286.605,"end":1325.97},{"sentences":[{"text":"It's just direct to market and just bypass everything.","start":1325.97,"end":1329.0299,"sentiment":"neutral","sentiment_score":0.2042002495792177},{"text":"So that way, you basically know directly what assets you're holding.","start":1329.09,"end":1332.405,"sentiment":"neutral","sentiment_score":0.14030615985393524},{"text":"Cool.","start":1334.725,"end":1335.225,"sentiment":"neutral","sentiment_score":0.3180634677410126},{"text":"I'll put that together in plan.","start":1336.005,"end":1337.525,"sentiment":"neutral","sentiment_score":0.3239705314238866},{"text":"We've got you booked in for Tuesday.","start":1337.525,"end":1339.225,"sentiment":"neutral","sentiment_score":0.2069201661007745}],"sentiment":"neutral","sentiment_score":0.20857346539988236,"num_words":34,"start":1325.97,"end":1339.225},{"sentences":[{"text":"I'm not gonna recommend anything when it comes to contributions because, obviously, you said you've got the mortgage to finish off, the invested property, and saving in the bank.","start":1340.245,"end":1347.605,"sentiment":"neutral","sentiment_score":-0.0442905876913975},{"text":"So I don't think you wanna do a bit of salary sacrifice or anything like that at the moment.","start":1347.605,"end":1351.0,"sentiment":"neutral","sentiment_score":-0.1456324599291149},{"text":"That sound about right?","start":1351.0,"end":1352.22,"sentiment":"neutral","sentiment_score":0.044822992756962776},{"text":"The only thing I might do in a few years' time if we get there together is basically you hit 60 if you're still working.","start":1359.32,"end":1365.8049,"sentiment":"neutral","sentiment_score":0.09128377716988326},{"text":"You can flip your super over to a transition pension.","start":1366.1849,"end":1369.385,"sentiment":"positive","sentiment_score":0.40453181266784666}],"sentiment":"neutral","sentiment_score":0.0282213878764332,"num_words":87,"start":1340.245,"end":1369.385},{"sentences":[{"text":"You pull 10% out, put 10% back in, claim it as a tax deduction.","start":1369.385,"end":1373.965,"sentiment":"positive","sentiment_score":0.3762239579643522},{"text":"Tax differences goes in and boost up the super a little bit, but it should save you maybe 22¢ on the dollar after 60.","start":1374.6649,"end":1381.66,"sentiment":"positive","sentiment_score":0.4975849221581998},{"text":"Yeah.","start":1392.135,"end":1392.535,"sentiment":"neutral","sentiment_score":0.16982194781303406},{"text":"Yeah.","start":1392.535,"end":1393.035,"sentiment":"neutral","sentiment_score":0.1701747179031372},{"text":"And it's a little bit tricky to set up because you gotta open up a pension account, make sure you roll the money out, get it flowing back in.","start":1393.095,"end":1399.515,"sentiment":"neutral","sentiment_score":0.08927731382949598}],"sentiment":"neutral","sentiment_score":0.28883275570457473,"num_words":69,"start":1369.385,"end":1399.515},{"sentences":[{"text":"We'll do all the calculations for you, and it's not until you hit 60 anyway.","start":1399.655,"end":1403.115,"sentiment":"neutral","sentiment_score":0.09628183667858442},{"text":"But I'm just gonna put a note down as a future strategy there.","start":1403.38,"end":1407.32,"sentiment":"neutral","sentiment_score":0.13574064465669486},{"text":"Cool.","start":1410.4199,"end":1410.9199,"sentiment":"positive","sentiment_score":0.4548388123512268},{"text":"Ivan, any questions for me before I let you go, sir?","start":1411.0599,"end":1413.48,"sentiment":"neutral","sentiment_score":0.13189628381620755},{"text":"I don't think you ever will be until you, like, give it a go and you see some results.","start":1425.075,"end":1428.835,"sentiment":"neutral","sentiment_score":0.12174079684834731}],"sentiment":"neutral","sentiment_score":0.1258920170366764,"num_words":59,"start":1399.655,"end":1428.835},{"sentences":[{"text":"And to be honest, whatever happens in the market, if everything goes well, we're gonna look a lot better.","start":1428.835,"end":1434.04,"sentiment":"neutral","sentiment_score":0.1411700064414426},{"text":"If it goes bad, we're gonna look a lot worse.","start":1434.04,"end":1436.14,"sentiment":"negative","sentiment_score":-0.3600965887308121},{"text":"But, look, all I'll do is put together a plan.","start":1436.28,"end":1438.92,"sentiment":"neutral","sentiment_score":0.22507909461855888},{"text":"You make sure you're comfortable, and we'll go from there.","start":1438.92,"end":1441.66,"sentiment":"neutral","sentiment_score":0.26694370061159134},{"text":"Yeah.","start":1473.365,"end":1473.865,"sentiment":"neutral","sentiment_score":-0.042314499616622925}],"sentiment":"neutral","sentiment_score":0.07918355375528335,"num_words":50,"start":1428.835,"end":1473.865},{"sentences":[{"text":"It's the pointing fingers because when you've got the layers of a super fund, the fund managers that invest your money and the financial advisers that are recommending it and strategizing it, then their licensee who looks after them, you've got four different groups who are all just trying to point fingers at each other because they don't wanna be stiffed up for $200,000,000.","start":1474.005,"end":1494.14,"sentiment":"neutral","sentiment_score":-0.09093513546395116},{"text":"You know what I mean?","start":1494.355,"end":1495.8949,"sentiment":"neutral","sentiment_score":-0.10319981575012208},{"text":"Yeah.","start":1507.09,"end":1507.59,"sentiment":"neutral","sentiment_score":-0.17339180409908295},{"text":"Yeah.","start":1528.145,"end":1528.465,"sentiment":"neutral","sentiment_score":-0.019220231100916862},{"text":"You're exactly right.","start":1528.465,"end":1529.6849,"sentiment":"neutral","sentiment_score":0.0460528793434302}],"sentiment":"neutral","sentiment_score":-0.08635542088666477,"num_words":74,"start":1474.005,"end":1529.6849},{"sentences":[{"text":"What I'm sort of thinking is if we get it in that sort of growth sector I'm talking about, let's say markets kick back up second half of this year because everything kind of settles down a bit on the news and you get some good growth out of it.","start":1533.84,"end":1547.4451,"sentiment":"neutral","sentiment_score":0.2032516685128212},{"text":"We're pretty much gonna spend the next five to seven years together just gradually reducing the risk down from, like, 80%, seventy, sixty, fifty, forty just to make sure that, yeah, you're growing it, but the volatility just lessens and lessens the closer to the point where you need to access it.","start":1547.4451,"end":1562.89,"sentiment":"neutral","sentiment_score":0.1182169783860445},{"text":"No.","start":1583.86,"end":1584.36,"sentiment":"neutral","sentiment_score":-0.2241431027650833},{"text":"Yeah.","start":1610.53,"end":1611.03,"sentiment":"neutral","sentiment_score":-0.07606719434261322},{"text":"Alright.","start":1625.3451,"end":1625.505,"sentiment":"neutral","sentiment_score":0.0011923214187845588}],"sentiment":"neutral","sentiment_score":0.1524842697716806,"num_words":105,"start":1533.84,"end":1625.505},{"sentences":[{"text":"Great question.","start":1625.505,"end":1626.3251,"sentiment":"neutral","sentiment_score":0.10002441704273224},{"text":"So most of those super funds, they're very, very slow moving ships, and they've distributed their money out to ten, twenty, 30 fund managers across the planet.","start":1626.4651,"end":1637.3401,"sentiment":"neutral","sentiment_score":-0.23538530866305032},{"text":"And they're investing in a little bit of everything, but they're not too heavily leaning in they're not concentrated or high conviction is the words I would use.","start":1637.48,"end":1647.3201,"sentiment":"neutral","sentiment_score":-0.08142304373905063},{"text":"There's no, we're gonna take a bet on this because it's looking good.","start":1647.3201,"end":1650.5349,"sentiment":"neutral","sentiment_score":0.0011382117294348204},{"text":"It's just steady ship steady ship going in one direction.","start":1650.5349,"end":1654.075,"sentiment":"neutral","sentiment_score":0.03295243568718433}],"sentiment":"neutral","sentiment_score":-0.1011359826894477,"num_words":80,"start":1625.505,"end":1654.075},{"sentences":[{"text":"So the what we kind of do that's slightly different is 80% of it's kind of steady ship down the middle, low fees, just, you know, top companies, top properties, top gold, that kind of thing.","start":1654.5349,"end":1667.97,"sentiment":"neutral","sentiment_score":0.0371360598752896},{"text":"And then the other ten twenty, we kind of split it out to different sectors.","start":1668.0299,"end":1671.8899,"sentiment":"neutral","sentiment_score":-0.042995507021745046},{"text":"I think we had some clients in battery tech and lithium for some green energy, and they were jumping up sixty, eighty, 90%, but only a small portion of the money goes in there because, again, I can't have your super going from one twenty to 30 and then up to 200.","start":1672.11,"end":1688.0851,"sentiment":"neutral","sentiment_score":-0.19836505921557546},{"text":"Like, that's just too volatile for you.","start":1688.0851,"end":1689.765,"sentiment":"negative","sentiment_score":-0.5201978172574725},{"text":"Does that make sense?","start":1689.765,"end":1691.0651,"sentiment":"neutral","sentiment_score":-0.04553362354636192}],"sentiment":"neutral","sentiment_score":-0.11795207670187219,"num_words":114,"start":1654.5349,"end":1691.0651},{"sentences":[{"text":"Yeah.","start":1731.505,"end":1732.005,"sentiment":"neutral","sentiment_score":-0.07392023503780365},{"text":"Yeah.","start":1751.76,"end":1752.08,"sentiment":"neutral","sentiment_score":-0.11025745421648026},{"text":"You're pretty much getting close to the mark there.","start":1752.08,"end":1754.34,"sentiment":"neutral","sentiment_score":-0.11363551020622253},{"text":"When it comes to whether you just take the hit or not, most of what we do I don't wanna use the buzzword long term, but those crises that tend to happen every seven years or so, GFC, .com bubble, nine eleven, COVID, Iran war, all that kind of thing, is for the majority of it, you go law of averages.","start":1755.315,"end":1777.1001,"sentiment":"neutral","sentiment_score":-0.20028428073789253},{"text":"And you say, okay.","start":1777.2401,"end":1778.04,"sentiment":"neutral","sentiment_score":0.00957423821091652}],"sentiment":"neutral","sentiment_score":-0.17613080859576402,"num_words":76,"start":1731.505,"end":1778.04},{"sentences":[{"text":"If this averages out at double digits, 10% over a hundred years despite there being three wars of pandemic and multiple financial crises, it's pretty reliable to kind of stick the ship as long as you've got the time.","start":1778.04,"end":1790.985,"sentiment":"neutral","sentiment_score":0.07401758088515355},{"text":"So, again, 30 year old's got thirty years.","start":1791.045,"end":1792.885,"sentiment":"neutral","sentiment_score":-0.0005909681785851717},{"text":"No worries.","start":1792.885,"end":1793.625,"sentiment":"neutral","sentiment_score":0.01981974020600319},{"text":"Someone who's 60 and about to retire in twelve months, they can't be waiting five years for it to bounce back.","start":1793.765,"end":1799.73,"sentiment":"neutral","sentiment_score":-0.1520048730252754},{"text":"So that's where we need to go a little bit more careful.","start":1799.73,"end":1803.03,"sentiment":"neutral","sentiment_score":-0.21650897773603597}],"sentiment":"neutral","sentiment_score":-0.03498308142510856,"num_words":82,"start":1778.04,"end":1803.03},{"sentences":[{"text":"We don't, I guess, react to the news and go, oh my god.","start":1803.65,"end":1806.77,"sentiment":"negative","sentiment_score":-0.4327225570495312},{"text":"This has just crashed.","start":1806.77,"end":1807.5701,"sentiment":"negative","sentiment_score":-0.5998669192194939},{"text":"Let's hop out of it and crystallize the loss.","start":1807.5701,"end":1809.75,"sentiment":"neutral","sentiment_score":-0.08779672429793411},{"text":"But there is a little bit of foresight to say, hey.","start":1809.89,"end":1813.035,"sentiment":"neutral","sentiment_score":-0.11642986806956204},{"text":"Inflation is starting to pick up.","start":1813.3351,"end":1815.115,"sentiment":"negative","sentiment_score":-0.3694944232702255}],"sentiment":"neutral","sentiment_score":-0.28634247733929824,"num_words":43,"start":1803.65,"end":1815.115},{"sentences":[{"text":"These sectors and countries seem to be on a bit of a bad trend over the next five, ten years, so we'll just pivot away a little bit and pivot more towards these guys.","start":1815.655,"end":1825.29,"sentiment":"neutral","sentiment_score":-0.18237595216316335},{"text":"And it just gets you that extra one or 2%.","start":1825.37,"end":1827.63,"sentiment":"neutral","sentiment_score":0.16334987431764603},{"text":"That's kind of the game changer, if that makes sense.","start":1827.8501,"end":1830.1901,"sentiment":"positive","sentiment_score":0.4486376538872719},{"text":"We're not trying to day trade it.","start":1830.25,"end":1831.6901,"sentiment":"neutral","sentiment_score":-0.12731175231082098},{"text":"We're gonna hop on and go, oh, we're selling you to cash today to avoid the drop, and I'll throw you back in in a week, and you won't lose any money.","start":1831.6901,"end":1838.25,"sentiment":"neutral","sentiment_score":0.031685311580076814}],"sentiment":"neutral","sentiment_score":0.0004498990633154428,"num_words":93,"start":1815.655,"end":1838.25},{"sentences":[{"text":"We can't do that.","start":1838.25,"end":1839.315,"sentiment":"negative","sentiment_score":-0.44090481102466583},{"text":"No.","start":1847.1549,"end":1847.315,"sentiment":"neutral","sentiment_score":-0.05733085423707962},{"text":"That's alright, Ivan, mate.","start":1847.315,"end":1848.2749,"sentiment":"neutral","sentiment_score":0.272258959710598},{"text":"I've got everything I need.","start":1848.2749,"end":1849.5549,"sentiment":"positive","sentiment_score":0.5021000504493713},{"text":"I'll put together a plan for Tuesday, and we'll talk then.","start":1849.5549,"end":1853.0149,"sentiment":"neutral","sentiment_score":0.28840548206459393}],"sentiment":"neutral","sentiment_score":0.19804185181856154,"num_words":25,"start":1838.25,"end":1853.0149},{"sentences":[{"text":"Thanks, Ivan.","start":1855.2549,"end":1855.975,"sentiment":"positive","sentiment_score":0.6398192048072815},{"text":"Talk soon, mate.","start":1855.975,"end":1856.955,"sentiment":"positive","sentiment_score":0.4159167210261027}],"sentiment":"positive","sentiment_score":0.5054777145385743,"num_words":5,"start":1855.2549,"end":1856.955}]}}]},{"alternatives":[{"transcript":"Hey, mate. Fabian. How are you? Yeah. Good, man. So he is at work, so I said we'll try and run through it as quick as we can. Booked booked in for Tuesday at 04:30. For him, it's just it needs to make sense. He's like, I've burned $5 out of my suit for, like, twelve years ago and didn't really get it back. Like, I don't really have any questions for me. It's just gonna be whether it makes financial sense. I said, well, really, for you, you just need to do some homework for me over the weekends and just check out if you'll know who you're actually dealing with. It doesn't matter how good the results look on paper. If you don't trust the company, well, then you're never gonna go ahead with it. Like, yeah. That's fair. Cool. Great. Alright. Let me bring him in into the call for you. Cheers, mate. Thanks for holding, mate. So I've got Tommy on the line. I did mention to him that you're you're at work. So he'll run through what he needs to, but he will try and keep it as short and sweet as possible for you. Alright. That'd be great. Legend. Alright, mate. You have a good afternoon. I'll speak to you on Tuesday. No worries then. See you then. Cheers. Bye. Bye. Too easy, man. Too easy. Yes. Go on. Getting the debt cleared up. Yes. You can. I'm gonna give you a bit of a disclosure. I do have a heart condition. So as I'm aging, it's gonna be harder and harder. I just canceled a profit because it was costing a fortune. Yeah. And then, you know, I can see if I put $10 a year in the bank. In ten years, I'm gonna have a thousand dollars, haven't I? Yep. Yeah. Exactly. It was it was all all smoke and mirrors on the outside, and I really just didn't feel happy with what was going on. And chewed up $5 in fees, and I it just it never went anywhere. It it was stagnant. It was just it was like, thanks very much. We've got your money in our bank account. Great. We're promising. And I'm super annoyed until it's still protected, but it just didn't went anywhere. Like, I've got I think when I first spoke to her, even the chapter reached out this time, they said, you know, I had $60. The bank by the time now, I only had about 80 to $90. I've got a 120, so it still hasn't performed too bad. So sometimes it's just like and to me, it's a little let it let it forget it because I can't touch it till I'm 67. Is there any sorry? As I said, the dodgy ticket logo, I've got made a I'm open. I live to 67. You you see, you you you're dealing with something probably more realistic than most of the other people that you've spoken with because of the fact that my health. So it's it's not it's not something that's lied about. It's not something that's been hairy, fairy. It's not something that's you know, the reality is I've got a dodgy ticket. Am I gonna live to 85? No. No. It's not a good chance in the world. If if I make 70, I've done pretty well. I also, at the moment, have a few issues with my health that I've gotta deal with. So, realistically, to be honest with you, I'm finding these conversations at the moment probably a bit null and void. Because if it all goes pear shaped on me in twelve months' time, this is not my problem, is it? Yep. Yep. Yep. Yep. Yep. And and look and this is why I think you know, as I said, I'm 57. I've done this gig for fifty seven years. It's not new to me. It's not like you're dealing with someone who's been fit and healthy and all of a sudden got fat and massive health issues. I've done this for that long. It's just second nature. So I do I do draw a lot of skepticism because I'm thinking, mate, the time's running out for me, And I think this will follow flow on effect from the nineties when we'll promise all these bullshit things. Not that they are, but, you know, you need a million dollars to retire on. As I said, the one about yesterday, What a million dollars is $20 a year for fifty years. You're absolutely right. That's that's deposit with it not taking into account investment structures that increase portfolios. For that to happen, you could have a 200,000 a year job from the day one when you start working at eight years of age. Most people are are gonna be lucky to retire on probably 6 $7.50 to a million dollars if they're lucky. And and I just think that superannuation wasn't a big thing when I started. It was, you know, seven, eight years of age. Takes me back to 8087, '88 when was just starting to become that thing, and I think Kenneth Keating really ensured that we had superannuation and took care of ourselves a little bit because, obviously, the public purse isn't gonna be there to carriers. But it was just one of those things that to be honest with you, mate, I'm surprised I'm still breathing. I didn't think I was going to live this long. So why was I too consumed about having superannuation? And it's just one of those things, like, as I've got older, I've brought a second I've brought us an investment property purely because I think that's gonna be a better return than super because in ten years' time, I can flop it off. I'll probably make a $120,130 grand out of it. Alright. I'm gonna lose some in tax. I get what I paid for it. I'm gonna sit on probably $300 there. Yeah. That's that's my my plan because I just well, why not? You know, the nine famous words that Ronald Reagan, trust us with from the government. Those are nine words. Don't don't trust us. And anyone else that's really like that, I just get really skeptical about. So, you know, I feel like I'm probably wasting your time. Happy to listen. Happy to to to take note and look at it. So what you get paid to do is provide provide a fairly watertight advice. But once bitten twice shy. I know that sounds terrible, but it's just it probably frustrates you to hear that because, you know, there were people that were in that industry that have caused this angst for me and probably thousands of others. Yep. Yeah. And and and realistically, I don't know. I I can remember when the pyramid building society collapsed. Do a do a quick set of stuff. I think that's when the banks become if you could say that, trustworthy. Yeah. So, you know, look, as I said, I'm happy to to listen to someone who who sounds genuine as opposed to somebody who's 35 by nine of it. And, gee, we're giving a lend to this guy's money. Well, let's, you know, send him down. It's just is there a little bit of smoke or salesman mentality for me to tell her I look at all you guys? Yeah. Just can I just get your website again? Oh. Did you set five of you? Yep. Oh, o q q. Yep. I see it. That's alright. Yeah. He asked me to do this. This was this was gonna be my homework for the week just to to put my mind at rest. Yep. Yep. So I assume that I've I've obviously have to go to my employer and and give them the change of details for superannuation. Yep. Alright. Because I'm fairly sure that they are not in the industry specific themselves because the number of people that they've got working for them that have probably come on board. So maybe, you know, finance might have a ten minute job that they're gonna change all that around for them. It's bad luck, I suppose, isn't it? No. Because I went to them with this superannuation. It wasn't like I've been working there for the last decade, and then this is their nominated super super fund that I I had Hester sort of long story short, when I started with disability sector twenty years ago, whoever I was working with then automatically just went straight on to Hester. So I had small other ones. I think I had a c c bus, like, superannuation at the time. And I just, yeah, just folded everything over into one. I sort of left it like most most young boys, we don't think of these things and left it going and got a statement. And then, Jesus, I've lost a few dollars in in fees here. And just said transfer it over. So Yep. Alright. No. Look. I'm I'm happy with that. Just that whole as I said, that that one spit and twice shining on Cali For me and with with this, I said, with the health too, I don't wanna get this sort of stuck in somewhere and then find out if I can't access it for another twelve months or something. I need it now. Although, it's just that I can't relate, so I'm 60. But I'm assuming Yep. Yep. That's just one of those things. Yep. Correct. Yes. Yeah. Yeah. That's fine. Not my problem when I'm dead. But I I started my way of thinking this and I don't know if you can do this. It would be about I I intend to sell all my homes all my homes to the kids prior to everything. I'm one that sounds probably weird. I actually have a lot of faith in my older son who is a a good young bloke that you know? And my theory is, guys, once you sell me that and then I put all the cash in the fucking tin in the backyard, you can have a way over time having a treasure hunt, and then there's no probate or any bullshit like that. We'll have we'll have a good time before we go because I hear horror stories of people dealing with probate and and all that stuff. And it's like, fuck. Our government just wanna rob us blind, alive and dead. No. It's unfortunately, my bank account, we for whatever reason, we've always been his and hers or and we've never the client have never met. We just she's got her bank account. I've got mine. And that's it. It might have been Yep. Yep. Yeah. Look, I suppose, again, one of those things you just don't think of it. None of us think we haven't dropped it, do we? But it happens. So I suppose yeah. And that's that's the the one thing the the other side of the coin for me, mate. There's not much money in my bank account. A lot of lot of red figures, not many black. Yeah. Yeah. Just keep all the kids happy then that give them something to think about. What was this kid's keeping our boss to thinking? I can remember him rooting around in the back of you with a shovel one day. Sorry? I've I've got four children. Now they're all well, the oldest son's single at the moment, and I think he's gonna keep it that way for a while. He's had a a a run at a poor experience. My second son's on the spectrum. So, you know, chasing girls is just not nothing he can really see. My oldest daughter's in a relationship that will probably go pear shape. I'm hoping sooner rather than later. Not because I this girl wanted to be single, but just she can find someone better. And when she finds someone that has got an issue, my youngest daughter, yeah, good luck with anybody who wants to try and tame her. God. Yeah. Good luck there. Yeah. So the youngest six to eight mil got a 20, 22, and a 27 year old. Yep. Yep. Yep. No. I probably will. I just like I say, you know, tomorrow never comes when it does come, and and complacency is bloody rude of that, I think. Just never thought about it. Although, funny as that, the better half and I have been discussing this, obviously, with my with my health issues, she's just a bit worried. Just yeah. It's just a matter of walking in there and going, I need a pair of attorney kit. There's only $25. Can I have that? And we're done. Yeah. No. I'll probably I will take that advice on board. That'd be one thing I will take on board because, yeah, you're mad if you don't. Yep. Give me a heads up. Yeah. No. Let's roll the doors. Let's let's let's roll the doors. Yep. Yep. Not yet. I'm happy with that. I'm not into all that other stuff. I'm sort of just something's tried and true and proven. You know? Yeah. You might you might miss out all if we got this return on it. Yeah. You took the gamble and paid it off for you. Good luck to you. I don't sit back there and go. But I'm not jealous of that shit. I just I'm I'm getting too off that crap. I really am, mate. You know, if some people have been fortunate enough at the high risk level, good luck to them. Me? Yeah. I'll still live with what I've got. Yes. Yep. My my goal is to to to plate my buddy bank debts as quick as I can. Yeah. See, that's worth that's well worth. And look, that's gotta be worth considering, you know, when you look at the that's what the smart people do with it really. Yep. Alright. Too easy. No. No. I think you've along with journey with the conversation, you've probably answered everything. You've just as I said, I feel a little bit more comfortable. Not a 100%. I'm not gonna lie about it. But But but but that's the case with with superannuation. I I've seen some hard stories at the moment. Not not a great I don't again, don't take a great deal of notice. But there seems to be issues with the superannuation funds, whether they're being held accountable enough or they're transparent enough with with people I don't know. But it just sort of seems to be even they themselves have got this little bit of a blanks payout over and go, oh, we've got money. Skip shit for you if this goes fair show. Our CEOs and all that again still get paid well. So Yeah. Yeah. Yeah. And that seems to be the problem. It it might a $100 120 grams for them might not be a lot who gives a shit. It's my fault. It's kind of superannuation. So that's how I look at it now. They could blow 10% of everyone's off the top. So sometimes that that 10% between, you know, a good life and a shitty life at retirement. It's it's $12 out of my that's brings me from 120 down to a 108. And I said, shit. I can't afford to lose much more than that. So that's how I look at it. Yep. So with with your investments, where where does most of it look at? Like, obviously, at the moment and look, I'm a renewable energy fan. Do I believe renewable energy will run a tractor the size of Australia? In my opinion, no. Based on listening to people that live renewable energy, off grid living and all that shit, whatever. Where do you invest? Like, how do you look at the markets and get we we know that oil at the moment is sort of getting a battery and thinking that not a future. But if a company in Australia said, look, we've just found the biggest fucking oil reserves in Australia, we've got we've got two hundred years of oil reserves to meet the needs of this population of 27,000,000 and drop price of fuel up at a dollar a liter, or do you look at is it renewable energy? Is it the mining sector for gold and copper? Where do they actually invest? Yep. It does. So, obviously, it's it's quite well, one would assume another of caution as well. Again, if you look at the well, everyone's look at The Middle East and Iran and The US, and I think there's no something like a hundred and thirty forty different conflicts going on in the world. We're focusing on Buddy One. Like, you know, this is the magic ball stuff, and I suppose it would relate to nearly every investor or every every pun that you're dealing with. Is how do you determine the the market? Like, if if things really turn to shit in The Middle East, which really they've been like that for the last thirty odd years, what happens then to the markets? Like, do do you withdraw from the oil sector and go heavily to dip something else? Or is it too late? Or is it because the small proportion also my my in my money is invested in that, you know what, we're gonna have to take a hit from that because we're gonna pick it up somewhere else. Yep. Yep. It does. Yes. No. I get that. That's alright. Look, I've got I've got a gal with Casperbury. So alright. Alright. 286, sir. Yeah. Say it. 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mate. Fabian. How are you? Yeah. Good, man.\n\nSo he is at work, so I said we'll try and run through it as quick as we can. Booked booked in for Tuesday at 04:30. For him, it's just it needs to make sense. He's like, I've burned $5 out of my suit for, like, twelve years ago and didn't really get it back. Like, I don't really have any questions for me.\n\nIt's just gonna be whether it makes financial sense. I said, well, really, for you, you just need to do some homework for me over the weekends and just check out if you'll know who you're actually dealing with. It doesn't matter how good the results look on paper. If you don't trust the company, well, then you're never gonna go ahead with it. Like, yeah.\n\nThat's fair. Cool. Great. Alright. Let me bring him in into the call for you.\n\nCheers, mate. Thanks for holding, mate. So I've got Tommy on the line. I did mention to him that you're you're at work. So he'll run through what he needs to, but he will try and keep it as short and sweet as possible for you.\n\nAlright. That'd be great. Legend. Alright, mate. You have a good afternoon.\n\nI'll speak to you on Tuesday. No worries then. See you then. Cheers. Bye.\n\nBye. Too easy, man. Too easy. Yes. Go on.\n\nGetting the debt cleared up. Yes. You can. I'm gonna give you a bit of a disclosure. I do have a heart condition.\n\nSo as I'm aging, it's gonna be harder and harder. I just canceled a profit because it was costing a fortune. Yeah. And then, you know, I can see if I put $10 a year in the bank. In ten years, I'm gonna have a thousand dollars, haven't I?\n\nYep. Yeah. Exactly. It was it was all all smoke and mirrors on the outside, and I really just didn't feel happy with what was going on. And chewed up $5 in fees, and I it just it never went anywhere.\n\nIt it was stagnant. It was just it was like, thanks very much. We've got your money in our bank account. Great. We're promising.\n\nAnd I'm super annoyed until it's still protected, but it just didn't went anywhere. Like, I've got I think when I first spoke to her, even the chapter reached out this time, they said, you know, I had $60. The bank by the time now, I only had about 80 to $90. I've got a 120, so it still hasn't performed too bad. So sometimes it's just like and to me, it's a little let it let it forget it because I can't touch it till I'm 67.\n\nIs there any sorry? As I said, the dodgy ticket logo, I've got made a I'm open. I live to 67. You you see, you you you're dealing with something probably more realistic than most of the other people that you've spoken with because of the fact that my health. So it's it's not it's not something that's lied about.\n\nIt's not something that's been hairy, fairy. It's not something that's you know, the reality is I've got a dodgy ticket. Am I gonna live to 85? No. No.\n\nIt's not a good chance in the world. If if I make 70, I've done pretty well. I also, at the moment, have a few issues with my health that I've gotta deal with. So, realistically, to be honest with you, I'm finding these conversations at the moment probably a bit null and void. Because if it all goes pear shaped on me in twelve months' time, this is not my problem, is it?\n\nYep. Yep. Yep. Yep. Yep.\n\nAnd and look and this is why I think you know, as I said, I'm 57. I've done this gig for fifty seven years. It's not new to me. It's not like you're dealing with someone who's been fit and healthy and all of a sudden got fat and massive health issues. I've done this for that long.\n\nIt's just second nature. So I do I do draw a lot of skepticism because I'm thinking, mate, the time's running out for me, And I think this will follow flow on effect from the nineties when we'll promise all these bullshit things. Not that they are, but, you know, you need a million dollars to retire on. As I said, the one about yesterday, What a million dollars is $20 a year for fifty years. You're absolutely right.\n\nThat's that's deposit with it not taking into account investment structures that increase portfolios. For that to happen, you could have a 200,000 a year job from the day one when you start working at eight years of age. Most people are are gonna be lucky to retire on probably 6 $7.50 to a million dollars if they're lucky. And and I just think that superannuation wasn't a big thing when I started. It was, you know, seven, eight years of age.\n\nTakes me back to 8087, '88 when was just starting to become that thing, and I think Kenneth Keating really ensured that we had superannuation and took care of ourselves a little bit because, obviously, the public purse isn't gonna be there to carriers. But it was just one of those things that to be honest with you, mate, I'm surprised I'm still breathing. I didn't think I was going to live this long. So why was I too consumed about having superannuation? And it's just one of those things, like, as I've got older, I've brought a second I've brought us an investment property purely because I think that's gonna be a better return than super because in ten years' time, I can flop it off.\n\nI'll probably make a $120,130 grand out of it. Alright. I'm gonna lose some in tax. I get what I paid for it. I'm gonna sit on probably $300 there.\n\nYeah. That's that's my my plan because I just well, why not? You know, the nine famous words that Ronald Reagan, trust us with from the government. Those are nine words. Don't don't trust us.\n\nAnd anyone else that's really like that, I just get really skeptical about. So, you know, I feel like I'm probably wasting your time. Happy to listen. Happy to to to take note and look at it. So what you get paid to do is provide provide a fairly watertight advice.\n\nBut once bitten twice shy. I know that sounds terrible, but it's just it probably frustrates you to hear that because, you know, there were people that were in that industry that have caused this angst for me and probably thousands of others. Yep. Yeah. And and and realistically, I don't know.\n\nI I can remember when the pyramid building society collapsed. Do a do a quick set of stuff. I think that's when the banks become if you could say that, trustworthy. Yeah. So, you know, look, as I said, I'm happy to to listen to someone who who sounds genuine as opposed to somebody who's 35 by nine of it.\n\nAnd, gee, we're giving a lend to this guy's money. Well, let's, you know, send him down. It's just is there a little bit of smoke or salesman mentality for me to tell her I look at all you guys? Yeah. Just can I just get your website again?\n\nOh. Did you set five of you? Yep. Oh, o q q. Yep.\n\nI see it. That's alright. Yeah. He asked me to do this. This was this was gonna be my homework for the week just to to put my mind at rest.\n\nYep. Yep. So I assume that I've I've obviously have to go to my employer and and give them the change of details for superannuation. Yep. Alright.\n\nBecause I'm fairly sure that they are not in the industry specific themselves because the number of people that they've got working for them that have probably come on board. So maybe, you know, finance might have a ten minute job that they're gonna change all that around for them. It's bad luck, I suppose, isn't it? No. Because I went to them with this superannuation.\n\nIt wasn't like I've been working there for the last decade, and then this is their nominated super super fund that I I had Hester sort of long story short, when I started with disability sector twenty years ago, whoever I was working with then automatically just went straight on to Hester. So I had small other ones. I think I had a c c bus, like, superannuation at the time. And I just, yeah, just folded everything over into one. I sort of left it like most most young boys, we don't think of these things and left it going and got a statement.\n\nAnd then, Jesus, I've lost a few dollars in in fees here. And just said transfer it over. So Yep. Alright. No.\n\nLook. I'm I'm happy with that. Just that whole as I said, that that one spit and twice shining on Cali For me and with with this, I said, with the health too, I don't wanna get this sort of stuck in somewhere and then find out if I can't access it for another twelve months or something. I need it now. Although, it's just that I can't relate, so I'm 60.\n\nBut I'm assuming Yep. Yep. That's just one of those things. Yep. Correct.\n\nYes. Yeah. Yeah. That's fine. Not my problem when I'm dead.\n\nBut I I started my way of thinking this and I don't know if you can do this. It would be about I I intend to sell all my homes all my homes to the kids prior to everything. I'm one that sounds probably weird. I actually have a lot of faith in my older son who is a a good young bloke that you know? And my theory is, guys, once you sell me that and then I put all the cash in the fucking tin in the backyard, you can have a way over time having a treasure hunt, and then there's no probate or any bullshit like that.\n\nWe'll have we'll have a good time before we go because I hear horror stories of people dealing with probate and and all that stuff. And it's like, fuck. Our government just wanna rob us blind, alive and dead. No. It's unfortunately, my bank account, we for whatever reason, we've always been his and hers or and we've never the client have never met.\n\nWe just she's got her bank account. I've got mine. And that's it. It might have been Yep. Yep.\n\nYeah. Look, I suppose, again, one of those things you just don't think of it. None of us think we haven't dropped it, do we? But it happens. So I suppose yeah.\n\nAnd that's that's the the one thing the the other side of the coin for me, mate. There's not much money in my bank account. A lot of lot of red figures, not many black. Yeah. Yeah.\n\nJust keep all the kids happy then that give them something to think about. What was this kid's keeping our boss to thinking? I can remember him rooting around in the back of you with a shovel one day. Sorry? I've I've got four children.\n\nNow they're all well, the oldest son's single at the moment, and I think he's gonna keep it that way for a while. He's had a a a run at a poor experience. My second son's on the spectrum. So, you know, chasing girls is just not nothing he can really see. My oldest daughter's in a relationship that will probably go pear shape.\n\nI'm hoping sooner rather than later. Not because I this girl wanted to be single, but just she can find someone better. And when she finds someone that has got an issue, my youngest daughter, yeah, good luck with anybody who wants to try and tame her. God. Yeah.\n\nGood luck there. Yeah. So the youngest six to eight mil got a 20, 22, and a 27 year old. Yep. Yep.\n\nYep. No. I probably will. I just like I say, you know, tomorrow never comes when it does come, and and complacency is bloody rude of that, I think. Just never thought about it.\n\nAlthough, funny as that, the better half and I have been discussing this, obviously, with my with my health issues, she's just a bit worried. Just yeah. It's just a matter of walking in there and going, I need a pair of attorney kit. There's only $25. Can I have that?\n\nAnd we're done. Yeah. No. I'll probably I will take that advice on board. That'd be one thing I will take on board because, yeah, you're mad if you don't.\n\nYep. Give me a heads up. Yeah. No. Let's roll the doors.\n\nLet's let's let's roll the doors. Yep. Yep. Not yet. I'm happy with that.\n\nI'm not into all that other stuff. I'm sort of just something's tried and true and proven. You know? Yeah. You might you might miss out all if we got this return on it.\n\nYeah. You took the gamble and paid it off for you. Good luck to you. I don't sit back there and go. But I'm not jealous of that shit.\n\nI just I'm I'm getting too off that crap. I really am, mate. You know, if some people have been fortunate enough at the high risk level, good luck to them. Me? Yeah.\n\nI'll still live with what I've got. Yes. Yep. My my goal is to to to plate my buddy bank debts as quick as I can. Yeah.\n\nSee, that's worth that's well worth. And look, that's gotta be worth considering, you know, when you look at the that's what the smart people do with it really. Yep. Alright. Too easy.\n\nNo. No. I think you've along with journey with the conversation, you've probably answered everything. You've just as I said, I feel a little bit more comfortable. Not a 100%.\n\nI'm not gonna lie about it. But But but but that's the case with with superannuation. I I've seen some hard stories at the moment. Not not a great I don't again, don't take a great deal of notice. But there seems to be issues with the superannuation funds, whether they're being held accountable enough or they're transparent enough with with people I don't know.\n\nBut it just sort of seems to be even they themselves have got this little bit of a blanks payout over and go, oh, we've got money. Skip shit for you if this goes fair show. Our CEOs and all that again still get paid well. So Yeah. Yeah.\n\nYeah. And that seems to be the problem. It it might a $100 120 grams for them might not be a lot who gives a shit. It's my fault. It's kind of superannuation.\n\nSo that's how I look at it now. They could blow 10% of everyone's off the top. So sometimes that that 10% between, you know, a good life and a shitty life at retirement. It's it's $12 out of my that's brings me from 120 down to a 108. And I said, shit.\n\nI can't afford to lose much more than that. So that's how I look at it. Yep. So with with your investments, where where does most of it look at? Like, obviously, at the moment and look, I'm a renewable energy fan.\n\nDo I believe renewable energy will run a tractor the size of Australia? In my opinion, no. Based on listening to people that live renewable energy, off grid living and all that shit, whatever. Where do you invest? Like, how do you look at the markets and get we we know that oil at the moment is sort of getting a battery and thinking that not a future.\n\nBut if a company in Australia said, look, we've just found the biggest fucking oil reserves in Australia, we've got we've got two hundred years of oil reserves to meet the needs of this population of 27,000,000 and drop price of fuel up at a dollar a liter, or do you look at is it renewable energy? Is it the mining sector for gold and copper? Where do they actually invest? Yep. It does.\n\nSo, obviously, it's it's quite well, one would assume another of caution as well. Again, if you look at the well, everyone's look at The Middle East and Iran and The US, and I think there's no something like a hundred and thirty forty different conflicts going on in the world. We're focusing on Buddy One. Like, you know, this is the magic ball stuff, and I suppose it would relate to nearly every investor or every every pun that you're dealing with. Is how do you determine the the market?\n\nLike, if if things really turn to shit in The Middle East, which really they've been like that for the last thirty odd years, what happens then to the markets? Like, do do you withdraw from the oil sector and go heavily to dip something else? Or is it too late? Or is it because the small proportion also my my in my money is invested in that, you know what, we're gonna have to take a hit from that because we're gonna pick it up somewhere else. Yep.\n\nYep. It does. Yes. No. I get that.\n\nThat's alright. Look, I've got I've got a gal with Casperbury. So alright. Alright. 286, sir.\n\nYeah. Say it. Bye.","paragraphs":[{"sentences":[{"text":"Hey, mate.","start":3.12,"end":3.6,"sentiment":"neutral","sentiment_score":0.14065834879875183},{"text":"Fabian.","start":3.6,"end":4.08,"sentiment":"neutral","sentiment_score":0.18182925879955292},{"text":"How are you?","start":4.08,"end":4.9,"sentiment":"neutral","sentiment_score":0.18037151296933493},{"text":"Yeah.","start":7.2,"end":7.52,"sentiment":"neutral","sentiment_score":0.2322213053703308},{"text":"Good, man.","start":7.52,"end":8.26,"sentiment":"positive","sentiment_score":0.40716151893138885}],"sentiment":"neutral","sentiment_score":0.22786720428201887,"num_words":9,"start":3.12,"end":8.26},{"sentences":[{"text":"So he is at work, so I said we'll try and run through it as quick as we can.","start":8.96,"end":12.975,"sentiment":"neutral","sentiment_score":0.19016367824454056},{"text":"Booked booked in for Tuesday at 04:30.","start":15.055,"end":18.355,"sentiment":"neutral","sentiment_score":0.05743050096290452},{"text":"For him, it's just it needs to make sense.","start":19.295,"end":21.795,"sentiment":"neutral","sentiment_score":-0.011828516920407614},{"text":"He's like, I've burned $5 out of my suit for, like, twelve years ago and didn't really get it back.","start":22.095001,"end":28.02,"sentiment":"neutral","sentiment_score":-0.2038951739668846},{"text":"Like, I don't really have any questions for me.","start":28.58,"end":30.5,"sentiment":"neutral","sentiment_score":-0.1792559242910809}],"sentiment":"neutral","sentiment_score":-0.02785218838835135,"num_words":64,"start":8.96,"end":30.5},{"sentences":[{"text":"It's just gonna be whether it makes financial sense.","start":30.5,"end":32.920002,"sentiment":"neutral","sentiment_score":-0.06890301985873117},{"text":"I said, well, really, for you, you just need to do some homework for me over the weekends and just check out if you'll know who you're actually dealing with.","start":33.06,"end":40.98,"sentiment":"neutral","sentiment_score":-0.06682228470842043},{"text":"It doesn't matter how good the results look on paper.","start":40.98,"end":42.975,"sentiment":"neutral","sentiment_score":-0.23408210128545762},{"text":"If you don't trust the company, well, then you're never gonna go ahead with it.","start":42.975,"end":46.254997,"sentiment":"negative","sentiment_score":-0.3895678659280141},{"text":"Like, yeah.","start":46.254997,"end":46.655,"sentiment":"neutral","sentiment_score":-0.07269502058625221}],"sentiment":"neutral","sentiment_score":-0.1659776479231589,"num_words":66,"start":30.5,"end":46.655},{"sentences":[{"text":"That's fair.","start":46.655,"end":47.395,"sentiment":"neutral","sentiment_score":0.06297064013779163},{"text":"Cool.","start":49.215,"end":49.715,"sentiment":"neutral","sentiment_score":0.20321716368198395},{"text":"Great.","start":51.535,"end":51.855,"sentiment":"positive","sentiment_score":0.5377655625343323},{"text":"Alright.","start":51.855,"end":52.254997,"sentiment":"neutral","sentiment_score":0.27379515767097473},{"text":"Let me bring him in into the call for you.","start":52.254997,"end":54.835,"sentiment":"neutral","sentiment_score":0.22250061258673667}],"sentiment":"neutral","sentiment_score":0.22438168600201608,"num_words":15,"start":46.655,"end":54.835},{"sentences":[{"text":"Cheers, mate.","start":56.43,"end":57.41,"sentiment":"positive","sentiment_score":0.4671676754951477},{"text":"Thanks for holding, mate.","start":61.55,"end":62.83,"sentiment":"positive","sentiment_score":0.45255137234926224},{"text":"So I've got Tommy on the line.","start":62.83,"end":64.43,"sentiment":"neutral","sentiment_score":0.21815574382032668},{"text":"I did mention to him that you're you're at work.","start":64.43,"end":66.91,"sentiment":"neutral","sentiment_score":0.12471741139888763},{"text":"So he'll run through what he needs to, but he will try and keep it as short and sweet as possible for you.","start":66.91,"end":71.97,"sentiment":"neutral","sentiment_score":0.25375262939411664}],"sentiment":"neutral","sentiment_score":0.24685033993876498,"num_words":46,"start":56.43,"end":71.97},{"sentences":[{"text":"Alright.","start":72.235,"end":72.314995,"sentiment":"neutral","sentiment_score":0.3232831358909607},{"text":"That'd be great.","start":72.314995,"end":73.055,"sentiment":"positive","sentiment_score":0.558722456296285},{"text":"Legend.","start":73.435,"end":73.91499,"sentiment":"neutral","sentiment_score":0.27026990056037903},{"text":"Alright, mate.","start":73.91499,"end":74.314995,"sentiment":"neutral","sentiment_score":0.25393735617399216},{"text":"You have a good afternoon.","start":74.314995,"end":75.195,"sentiment":"positive","sentiment_score":0.39585923552513125}],"sentiment":"positive","sentiment_score":0.3964076079428196,"num_words":12,"start":72.235,"end":75.195},{"sentences":[{"text":"I'll speak to you on Tuesday.","start":75.195,"end":76.41499,"sentiment":"neutral","sentiment_score":0.19426089276870093},{"text":"No worries then.","start":76.715,"end":77.435,"sentiment":"neutral","sentiment_score":0.1421686957279841},{"text":"See you then.","start":77.435,"end":78.075,"sentiment":"neutral","sentiment_score":0.1936898281176885},{"text":"Cheers.","start":78.075,"end":78.555,"sentiment":"neutral","sentiment_score":0.3170540928840637},{"text":"Bye.","start":78.555,"end":79.055,"sentiment":"neutral","sentiment_score":0.18770115077495575}],"sentiment":"neutral","sentiment_score":0.19127829798630305,"num_words":14,"start":75.195,"end":79.055},{"sentences":[{"text":"Bye.","start":79.435,"end":79.935,"sentiment":"neutral","sentiment_score":0.17073693871498108},{"text":"Too easy, man.","start":86.369995,"end":87.17,"sentiment":"neutral","sentiment_score":-0.04173263410727183},{"text":"Too easy.","start":87.17,"end":87.909996,"sentiment":"neutral","sentiment_score":-0.09915539063513279},{"text":"Yes.","start":101.295006,"end":101.535,"sentiment":"neutral","sentiment_score":0.2814177870750427},{"text":"Go on.","start":101.535,"end":102.275,"sentiment":"positive","sentiment_score":0.36361163854599}],"sentiment":"neutral","sentiment_score":0.09509659103221363,"num_words":9,"start":79.435,"end":102.275},{"sentences":[{"text":"Getting the debt cleared up.","start":123.020004,"end":124.14,"sentiment":"neutral","sentiment_score":-0.004053792357444764},{"text":"Yes.","start":124.14,"end":124.64,"sentiment":"neutral","sentiment_score":0.13401558995246887},{"text":"You can.","start":141.815,"end":142.21501,"sentiment":"neutral","sentiment_score":0.07372566685080528},{"text":"I'm gonna give you a bit of a disclosure.","start":142.21501,"end":143.99501,"sentiment":"neutral","sentiment_score":-0.020315326129396755},{"text":"I do have a heart condition.","start":144.05501,"end":145.27501,"sentiment":"neutral","sentiment_score":-0.19468583166599274}],"sentiment":"neutral","sentiment_score":-0.047380650577985725,"num_words":23,"start":123.020004,"end":145.27501},{"sentences":[{"text":"So as I'm aging, it's gonna be harder and harder.","start":145.335,"end":153.15001,"sentiment":"neutral","sentiment_score":-0.32634083479642867},{"text":"I just canceled a profit because it was costing a fortune.","start":153.37001,"end":156.11,"sentiment":"negative","sentiment_score":-0.4332720528949391},{"text":"Yeah.","start":182.54001,"end":182.86,"sentiment":"neutral","sentiment_score":0.04952928051352501},{"text":"And then, you know, I can see if I put $10 a year in the bank.","start":182.86,"end":186.195,"sentiment":"neutral","sentiment_score":0.049848692142404616},{"text":"In ten years, I'm gonna have a thousand dollars, haven't I?","start":186.35501,"end":187.175,"sentiment":"neutral","sentiment_score":0.0075932149351997805}],"sentiment":"neutral","sentiment_score":-0.14487280021896776,"num_words":49,"start":145.335,"end":187.175},{"sentences":[{"text":"Yep.","start":196.99501,"end":197.49501,"sentiment":"neutral","sentiment_score":0.03472794592380524},{"text":"Yeah.","start":200.81,"end":201.31,"sentiment":"neutral","sentiment_score":-0.00927666574716568},{"text":"Exactly.","start":204.01,"end":204.51,"sentiment":"neutral","sentiment_score":0.140770822763443},{"text":"It was it was all all smoke and mirrors on the outside, and I really just didn't feel happy with what was going on.","start":227.675,"end":234.19,"sentiment":"negative","sentiment_score":-0.4577022964755694},{"text":"And chewed up $5 in fees, and I it just it never went anywhere.","start":234.73,"end":240.09,"sentiment":"negative","sentiment_score":-0.37117705813476015}],"sentiment":"negative","sentiment_score":-0.3906124835697616,"num_words":41,"start":196.99501,"end":240.09},{"sentences":[{"text":"It it was stagnant.","start":240.09,"end":241.15,"sentiment":"negative","sentiment_score":-0.4446955695748329},{"text":"It was just it was like, thanks very much.","start":241.21,"end":243.825,"sentiment":"neutral","sentiment_score":-0.2471675839689043},{"text":"We've got your money in our bank account.","start":243.825,"end":245.665,"sentiment":"neutral","sentiment_score":-0.06312266364693642},{"text":"Great.","start":245.665,"end":245.905,"sentiment":"neutral","sentiment_score":0.24402129650115967},{"text":"We're promising.","start":245.905,"end":246.545,"sentiment":"neutral","sentiment_score":0.1525379791855812}],"sentiment":"neutral","sentiment_score":-0.16496560784677664,"num_words":24,"start":240.09,"end":246.545},{"sentences":[{"text":"And I'm super annoyed until it's still protected, but it just didn't went anywhere.","start":246.545,"end":250.965,"sentiment":"neutral","sentiment_score":-0.24896413726466043},{"text":"Like, I've got I think when I first spoke to her, even the chapter reached out this time, they said, you know, I had $60.","start":251.345,"end":258.32,"sentiment":"neutral","sentiment_score":-0.10486625462770462},{"text":"The bank by the time now, I only had about 80 to $90.","start":258.32,"end":261.44,"sentiment":"neutral","sentiment_score":-0.12877631187438965},{"text":"I've got a 120, so it still hasn't performed too bad.","start":261.44,"end":265.06,"sentiment":"neutral","sentiment_score":-0.1406167589805343},{"text":"So sometimes it's just like and to me, it's a little let it let it forget it because I can't touch it till I'm 67.","start":267.85498,"end":275.47498,"sentiment":"neutral","sentiment_score":-0.11117266446352005}],"sentiment":"neutral","sentiment_score":-0.13758349206975914,"num_words":88,"start":246.545,"end":275.47498},{"sentences":[{"text":"Is there any sorry?","start":278.41498,"end":288.52,"sentiment":"neutral","sentiment_score":0.0774374483153224},{"text":"As I said, the dodgy ticket logo, I've got made a I'm open.","start":292.625,"end":295.265,"sentiment":"neutral","sentiment_score":0.068897927323213},{"text":"I live to 67.","start":295.265,"end":296.64502,"sentiment":"neutral","sentiment_score":0.053169580176472664},{"text":"You you see, you you you're dealing with something probably more realistic than most of the other people that you've spoken with because of the fact that my health.","start":298.46503,"end":305.92502,"sentiment":"neutral","sentiment_score":-0.09306040014429338},{"text":"So it's it's not it's not something that's lied about.","start":306.32,"end":308.96,"sentiment":"neutral","sentiment_score":-0.2060733988881111}],"sentiment":"neutral","sentiment_score":-0.055689740398277836,"num_words":60,"start":278.41498,"end":308.96},{"sentences":[{"text":"It's not something that's been hairy, fairy.","start":308.96,"end":310.4,"sentiment":"neutral","sentiment_score":-0.26630094221660067},{"text":"It's not something that's you know, the reality is I've got a dodgy ticket.","start":310.4,"end":313.92,"sentiment":"neutral","sentiment_score":-0.31132459001881735},{"text":"Am I gonna live to 85?","start":313.92,"end":315.36,"sentiment":"neutral","sentiment_score":-0.22517669945955276},{"text":"No.","start":315.36,"end":315.52,"sentiment":"negative","sentiment_score":-0.5612896084785461},{"text":"No.","start":315.52,"end":315.68,"sentiment":"negative","sentiment_score":-0.6285504102706909}],"sentiment":"neutral","sentiment_score":-0.30219141625124835,"num_words":29,"start":308.96,"end":315.68},{"sentences":[{"text":"It's not a good chance in the world.","start":315.68,"end":317.14,"sentiment":"negative","sentiment_score":-0.5845637619495392},{"text":"If if I make 70, I've done pretty well.","start":317.92,"end":319.875,"sentiment":"neutral","sentiment_score":0.006433587935235765},{"text":"I also, at the moment, have a few issues with my health that I've gotta deal with.","start":320.115,"end":324.295,"sentiment":"negative","sentiment_score":-0.3957015126943588},{"text":"So, realistically, to be honest with you, I'm finding these conversations at the moment probably a bit null and void.","start":325.155,"end":331.815,"sentiment":"negative","sentiment_score":-0.49674447625875473},{"text":"Because if it all goes pear shaped on me in twelve months' time, this is not my problem, is it?","start":332.2,"end":337.66,"sentiment":"neutral","sentiment_score":-0.2771991264075041}],"sentiment":"negative","sentiment_score":-0.3624919672068712,"num_words":74,"start":315.68,"end":337.66},{"sentences":[{"text":"Yep.","start":341.4,"end":341.9,"sentiment":"neutral","sentiment_score":-0.007105368189513683},{"text":"Yep.","start":396.97998,"end":397.47998,"sentiment":"neutral","sentiment_score":0.13717760145664215},{"text":"Yep.","start":407.71503,"end":408.21503,"sentiment":"neutral","sentiment_score":0.2923295199871063},{"text":"Yep.","start":425.29,"end":425.79,"sentiment":"positive","sentiment_score":0.4818747937679291},{"text":"Yep.","start":430.64502,"end":431.125,"sentiment":"neutral","sentiment_score":0.1483166217803955}],"sentiment":"neutral","sentiment_score":0.2105186337605119,"num_words":5,"start":341.4,"end":431.125},{"sentences":[{"text":"And and look and this is why I think you know, as I said, I'm 57.","start":431.125,"end":435.765,"sentiment":"neutral","sentiment_score":0.09441441809758544},{"text":"I've done this gig for fifty seven years.","start":435.765,"end":437.445,"sentiment":"neutral","sentiment_score":0.1341241765767336},{"text":"It's not new to me.","start":437.445,"end":438.325,"sentiment":"neutral","sentiment_score":0.04302191138267517},{"text":"It's not like you're dealing with someone who's been fit and healthy and all of a sudden got fat and massive health issues.","start":438.325,"end":443.58002,"sentiment":"neutral","sentiment_score":-0.02601331919836609},{"text":"I've done this for that long.","start":443.58002,"end":444.78,"sentiment":"neutral","sentiment_score":0.07064875960350037}],"sentiment":"neutral","sentiment_score":0.04524689439908955,"num_words":58,"start":431.125,"end":444.78},{"sentences":[{"text":"It's just second nature.","start":444.78,"end":446.16,"sentiment":"neutral","sentiment_score":0.09777960553765297},{"text":"So I do I do draw a lot of skepticism because I'm thinking, mate, the time's running out for me, And I think this will follow flow on effect from the nineties when we'll promise all these bullshit things.","start":446.54,"end":459.38498,"sentiment":"neutral","sentiment_score":-0.33163181444009143},{"text":"Not that they are, but, you know, you need a million dollars to retire on.","start":459.38498,"end":463.38498,"sentiment":"neutral","sentiment_score":-0.23125573595364887},{"text":"As I said, the one about yesterday, What a million dollars is $20 a year for fifty years.","start":463.38498,"end":470.31,"sentiment":"neutral","sentiment_score":-0.017323453600207966},{"text":"You're absolutely right.","start":470.31,"end":471.34998,"sentiment":"positive","sentiment_score":0.37545932332674664}],"sentiment":"neutral","sentiment_score":-0.19236458955874927,"num_words":79,"start":444.78,"end":471.34998},{"sentences":[{"text":"That's that's deposit with it not taking into account investment structures that increase portfolios.","start":471.34998,"end":477.28998,"sentiment":"neutral","sentiment_score":0.006925167981535196},{"text":"For that to happen, you could have a 200,000 a year job from the day one when you start working at eight years of age.","start":478.125,"end":483.42502,"sentiment":"neutral","sentiment_score":0.10468757465481758},{"text":"Most people are are gonna be lucky to retire on probably 6 $7.50 to a million dollars if they're lucky.","start":485.325,"end":491.745,"sentiment":"neutral","sentiment_score":0.2075789712369442},{"text":"And and I just think that superannuation wasn't a big thing when I started.","start":492.41998,"end":495.94,"sentiment":"neutral","sentiment_score":-0.012213159552110093},{"text":"It was, you know, seven, eight years of age.","start":495.94,"end":498.12,"sentiment":"neutral","sentiment_score":-0.026961480784747336}],"sentiment":"neutral","sentiment_score":0.07868394612266523,"num_words":82,"start":471.34998,"end":498.12},{"sentences":[{"text":"Takes me back to 8087, '88 when was just starting to become that thing, and I think Kenneth Keating really ensured that we had superannuation and took care of ourselves a little bit because, obviously, the public purse isn't gonna be there to carriers.","start":498.18,"end":516.865,"sentiment":"neutral","sentiment_score":0.07281834143213928},{"text":"But it was just one of those things that to be honest with you, mate, I'm surprised I'm still breathing.","start":517.485,"end":521.165,"sentiment":"neutral","sentiment_score":-0.176729154959321},{"text":"I didn't think I was going to live this long.","start":521.165,"end":523.47,"sentiment":"negative","sentiment_score":-0.4157649427652359},{"text":"So why was I too consumed about having superannuation?","start":523.55,"end":526.52997,"sentiment":"negative","sentiment_score":-0.3351319283246994},{"text":"And it's just one of those things, like, as I've got older, I've brought a second I've brought us an investment property purely because I think that's gonna be a better return than super because in ten years' time, I can flop it off.","start":527.38995,"end":538.215,"sentiment":"neutral","sentiment_score":0.01401312742382288}],"sentiment":"neutral","sentiment_score":-0.05423492324487196,"num_words":127,"start":498.18,"end":538.215},{"sentences":[{"text":"I'll probably make a $120,130 grand out of it.","start":538.375,"end":541.41504,"sentiment":"neutral","sentiment_score":0.08544064395957524},{"text":"Alright.","start":541.41504,"end":541.815,"sentiment":"neutral","sentiment_score":0.09276671707630156},{"text":"I'm gonna lose some in tax.","start":541.815,"end":543.435,"sentiment":"neutral","sentiment_score":-0.0719814399878184},{"text":"I get what I paid for it.","start":543.815,"end":545.09503,"sentiment":"neutral","sentiment_score":0.12697642828736985},{"text":"I'm gonna sit on probably $300 there.","start":545.09503,"end":547.435,"sentiment":"neutral","sentiment_score":0.10449722994651113}],"sentiment":"neutral","sentiment_score":0.06833864934742451,"num_words":30,"start":538.375,"end":547.435},{"sentences":[{"text":"Yeah.","start":564.075,"end":564.315,"sentiment":"neutral","sentiment_score":0.07126979529857635},{"text":"That's that's my my plan because I just well, why not?","start":564.315,"end":571.435,"sentiment":"neutral","sentiment_score":0.0277999531139027},{"text":"You know, the nine famous words that Ronald Reagan, trust us with from the government.","start":571.435,"end":576.395,"sentiment":"neutral","sentiment_score":-0.20089088280995687},{"text":"Those are nine words.","start":576.395,"end":577.455,"sentiment":"neutral","sentiment_score":-0.32689791172742844},{"text":"Don't don't trust us.","start":577.835,"end":579.29504,"sentiment":"negative","sentiment_score":-0.5536510348320007}],"sentiment":"neutral","sentiment_score":-0.1759568499667304,"num_words":35,"start":564.075,"end":579.29504},{"sentences":[{"text":"And anyone else that's really like that, I just get really skeptical about.","start":580.37,"end":583.99,"sentiment":"negative","sentiment_score":-0.5906062745130979},{"text":"So, you know, I feel like I'm probably wasting your time.","start":584.93,"end":587.89,"sentiment":"negative","sentiment_score":-0.6468565870415081},{"text":"Happy to listen.","start":587.89,"end":588.79,"sentiment":"neutral","sentiment_score":0.11674807717402776},{"text":"Happy to to to take note and look at it.","start":589.01,"end":592.29,"sentiment":"positive","sentiment_score":0.39094562232494356},{"text":"So what you get paid to do is provide provide a fairly watertight advice.","start":592.29,"end":598.895,"sentiment":"neutral","sentiment_score":0.16426007715719088}],"sentiment":"neutral","sentiment_score":-0.1614502449246014,"num_words":51,"start":580.37,"end":598.895},{"sentences":[{"text":"But once bitten twice shy.","start":600.23505,"end":601.91504,"sentiment":"neutral","sentiment_score":-0.19337098300457},{"text":"I know that sounds terrible, but it's just it probably frustrates you to hear that because, you know, there were people that were in that industry that have caused this angst for me and probably thousands of others.","start":601.91504,"end":612.57,"sentiment":"negative","sentiment_score":-0.5113431097645509},{"text":"Yep.","start":617.51,"end":618.01,"sentiment":"neutral","sentiment_score":-0.14557167887687683},{"text":"Yeah.","start":654.11,"end":654.35004,"sentiment":"neutral","sentiment_score":-0.13933202624320984},{"text":"And and and realistically, I don't know.","start":654.35004,"end":656.735,"sentiment":"neutral","sentiment_score":-0.11696628481149673}],"sentiment":"negative","sentiment_score":-0.41349155355531436,"num_words":52,"start":600.23505,"end":656.735},{"sentences":[{"text":"I I can remember when the pyramid building society collapsed.","start":656.735,"end":661.555,"sentiment":"neutral","sentiment_score":-0.11861237362027169},{"text":"Do a do a quick set of stuff.","start":663.855,"end":665.45496,"sentiment":"neutral","sentiment_score":-0.06481409817934036},{"text":"I think that's when the banks become if you could say that, trustworthy.","start":665.45496,"end":669.99005,"sentiment":"neutral","sentiment_score":-0.06971708312630653},{"text":"Yeah.","start":677.89,"end":678.21,"sentiment":"neutral","sentiment_score":-0.028919938951730728},{"text":"So, you know, look, as I said, I'm happy to to listen to someone who who sounds genuine as opposed to somebody who's 35 by nine of it.","start":678.21,"end":687.955,"sentiment":"neutral","sentiment_score":0.05454477135624204}],"sentiment":"neutral","sentiment_score":-0.01854374905427297,"num_words":60,"start":656.735,"end":687.955},{"sentences":[{"text":"And, gee, we're giving a lend to this guy's money.","start":687.955,"end":689.955,"sentiment":"neutral","sentiment_score":-0.08765700198709965},{"text":"Well, let's, you know, send him down.","start":689.955,"end":691.655,"sentiment":"neutral","sentiment_score":-0.20948319137096405},{"text":"It's just is there a little bit of smoke or salesman mentality for me to tell her I look at all you guys?","start":691.97003,"end":697.91003,"sentiment":"negative","sentiment_score":-0.33611571464849554},{"text":"Yeah.","start":711.015,"end":711.255,"sentiment":"neutral","sentiment_score":0.04679173231124878},{"text":"Just can I just get your website again?","start":711.255,"end":713.675,"sentiment":"neutral","sentiment_score":0.031000476330518723}],"sentiment":"neutral","sentiment_score":-0.19956771945770907,"num_words":49,"start":687.955,"end":713.675},{"sentences":[{"text":"Oh.","start":716.895,"end":717.395,"sentiment":"neutral","sentiment_score":0.022127706557512283},{"text":"Did you set five of you?","start":720.615,"end":722.075,"sentiment":"neutral","sentiment_score":-0.012523011304438114},{"text":"Yep.","start":725.38,"end":725.88,"sentiment":"neutral","sentiment_score":0.1210051104426384},{"text":"Oh, o q q.","start":727.14,"end":733.8,"sentiment":"neutral","sentiment_score":0.04864737391471863},{"text":"Yep.","start":734.66,"end":735.06,"sentiment":"neutral","sentiment_score":0.08729253709316254}],"sentiment":"neutral","sentiment_score":0.026913598609658387,"num_words":13,"start":716.895,"end":735.06},{"sentences":[{"text":"I see it.","start":735.06,"end":735.88,"sentiment":"neutral","sentiment_score":0.09891839573780696},{"text":"That's alright.","start":737.925,"end":738.565,"sentiment":"neutral","sentiment_score":0.1827085092663765},{"text":"Yeah.","start":738.565,"end":739.04504,"sentiment":"neutral","sentiment_score":0.19821083545684817},{"text":"He asked me to do this.","start":739.04504,"end":740.325,"sentiment":"neutral","sentiment_score":0.25175657620032627},{"text":"This was this was gonna be my homework for the week just to to put my mind at rest.","start":740.325,"end":744.665,"sentiment":"neutral","sentiment_score":0.30194359782494995}],"sentiment":"neutral","sentiment_score":0.2615435760348074,"num_words":31,"start":735.06,"end":744.665},{"sentences":[{"text":"Yep.","start":775.315,"end":775.815,"sentiment":"neutral","sentiment_score":0.11115771532058716},{"text":"Yep.","start":780.1,"end":780.6,"sentiment":"neutral","sentiment_score":0.03532955050468445},{"text":"So I assume that I've I've obviously have to go to my employer and and give them the change of details for superannuation.","start":788.98,"end":795.495,"sentiment":"neutral","sentiment_score":-0.18847626609646756},{"text":"Yep.","start":801.475,"end":801.975,"sentiment":"neutral","sentiment_score":0.11288081854581831},{"text":"Alright.","start":806.7,"end":807.2,"sentiment":"neutral","sentiment_score":0.09115626662969588}],"sentiment":"neutral","sentiment_score":-0.1475714729339988,"num_words":27,"start":775.315,"end":807.2},{"sentences":[{"text":"Because I'm fairly sure that they are not in the industry specific themselves because the number of people that they've got working for them that have probably come on board.","start":808.14,"end":819.10004,"sentiment":"neutral","sentiment_score":0.00996447768508612},{"text":"So maybe, you know, finance might have a ten minute job that they're gonna change all that around for them.","start":819.10004,"end":824.34503,"sentiment":"neutral","sentiment_score":-0.08427509665489197},{"text":"It's bad luck, I suppose, isn't it?","start":824.34503,"end":826.125,"sentiment":"negative","sentiment_score":-0.44292392475264414},{"text":"No.","start":836.29,"end":836.61,"sentiment":"neutral","sentiment_score":-0.303105890750885},{"text":"Because I went to them with this superannuation.","start":836.61,"end":839.51,"sentiment":"neutral","sentiment_score":-0.3174781799316406}],"sentiment":"neutral","sentiment_score":-0.11106009706087537,"num_words":66,"start":808.14,"end":839.51},{"sentences":[{"text":"It wasn't like I've been working there for the last decade, and then this is their nominated super super fund that I I had Hester sort of long story short, when I started with disability sector twenty years ago, whoever I was working with then automatically just went straight on to Hester.","start":839.89,"end":857.085,"sentiment":"neutral","sentiment_score":0.04891409797486491},{"text":"So I had small other ones.","start":857.545,"end":859.385,"sentiment":"neutral","sentiment_score":0.004652534921964009},{"text":"I think I had a c c bus, like, superannuation at the time.","start":859.385,"end":863.64996,"sentiment":"neutral","sentiment_score":0.010580801763213597},{"text":"And I just, yeah, just folded everything over into one.","start":863.95,"end":869.57,"sentiment":"neutral","sentiment_score":0.017313070129603148},{"text":"I sort of left it like most most young boys, we don't think of these things and left it going and got a statement.","start":871.14996,"end":877.42505,"sentiment":"neutral","sentiment_score":-0.07781735792135198}],"sentiment":"neutral","sentiment_score":0.009662027031715427,"num_words":105,"start":839.89,"end":877.42505},{"sentences":[{"text":"And then, Jesus, I've lost a few dollars in in fees here.","start":877.42505,"end":880.725,"sentiment":"neutral","sentiment_score":-0.15213633452852568},{"text":"And just said transfer it over.","start":881.06494,"end":883.685,"sentiment":"neutral","sentiment_score":-0.03383717406541109},{"text":"So Yep.","start":885.745,"end":911.125,"sentiment":"neutral","sentiment_score":0.040252685546875},{"text":"Alright.","start":911.125,"end":911.52496,"sentiment":"neutral","sentiment_score":0.07354381680488586},{"text":"No.","start":911.52496,"end":911.76495,"sentiment":"neutral","sentiment_score":-0.06720171868801117}],"sentiment":"neutral","sentiment_score":-0.08826416316018863,"num_words":22,"start":877.42505,"end":911.76495},{"sentences":[{"text":"Look.","start":911.76495,"end":912.005,"sentiment":"neutral","sentiment_score":-0.021679487079381943},{"text":"I'm I'm happy with that.","start":912.005,"end":913.365,"sentiment":"neutral","sentiment_score":0.18984414562582969},{"text":"Just that whole as I said, that that one spit and twice shining on Cali For me and with with this, I said, with the health too, I don't wanna get this sort of stuck in somewhere and then find out if I can't access it for another twelve months or something.","start":913.365,"end":928.45996,"sentiment":"neutral","sentiment_score":-0.13041770336433098},{"text":"I need it now.","start":928.45996,"end":929.5,"sentiment":"neutral","sentiment_score":-0.13199819438159466},{"text":"Although, it's just that I can't relate, so I'm 60.","start":929.5,"end":931.98,"sentiment":"neutral","sentiment_score":-0.09347083494067192}],"sentiment":"neutral","sentiment_score":-0.10162333973372976,"num_words":72,"start":911.76495,"end":931.98},{"sentences":[{"text":"But I'm assuming Yep.","start":931.98,"end":945.42505,"sentiment":"neutral","sentiment_score":-0.041340361814945936},{"text":"Yep.","start":950.5,"end":951.0,"sentiment":"neutral","sentiment_score":0.11353743076324464},{"text":"That's just one of those 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dead.","start":969.76495,"end":971.38495,"sentiment":"neutral","sentiment_score":-0.14206223686536154}],"sentiment":"neutral","sentiment_score":-0.019346201792359352,"num_words":11,"start":963.76495,"end":971.38495},{"sentences":[{"text":"But I I started my way of thinking this and I don't know if you can do this.","start":971.685,"end":976.805,"sentiment":"negative","sentiment_score":-0.3681951148642434},{"text":"It would be about I I intend to sell all my homes all my homes to the kids prior to everything.","start":976.805,"end":983.29,"sentiment":"neutral","sentiment_score":-0.1757685307945524},{"text":"I'm one that sounds probably weird.","start":984.47,"end":985.99,"sentiment":"neutral","sentiment_score":-0.055616176376740135},{"text":"I actually have a lot of faith in my older son who is a a good young bloke that you know?","start":985.99,"end":991.67,"sentiment":"neutral","sentiment_score":0.19360198790118807},{"text":"And my theory is, guys, once you sell me that and then I put all the cash in the fucking tin in the backyard, you can have a way over time having a treasure hunt, and then there's no probate or any bullshit like that.","start":991.67,"end":1003.075,"sentiment":"neutral","sentiment_score":-0.13154057330555385}],"sentiment":"neutral","sentiment_score":-0.1126669578858324,"num_words":111,"start":971.685,"end":1003.075},{"sentences":[{"text":"We'll have we'll have a good time before we go because I hear horror stories of people dealing with probate and and all that stuff.","start":1003.375,"end":1009.51,"sentiment":"neutral","sentiment_score":-0.30859331995248795},{"text":"And it's like, fuck.","start":1009.51,"end":1010.23004,"sentiment":"negative","sentiment_score":-0.5145434141159058},{"text":"Our government just wanna rob us blind, alive and dead.","start":1010.23004,"end":1013.61,"sentiment":"negative","sentiment_score":-0.5779190629720687},{"text":"No.","start":1029.765,"end":1030.005,"sentiment":"neutral","sentiment_score":-0.23394696414470673},{"text":"It's unfortunately, my bank account, we for whatever reason, we've always been his and hers or and we've never the client have never met.","start":1030.005,"end":1038.34,"sentiment":"negative","sentiment_score":-0.3851957793037097}],"sentiment":"negative","sentiment_score":-0.39110692113172263,"num_words":64,"start":1003.375,"end":1038.34},{"sentences":[{"text":"We just she's got her bank account.","start":1038.34,"end":1040.18,"sentiment":"negative","sentiment_score":-0.335348870073046},{"text":"I've got mine.","start":1040.18,"end":1041.0801,"sentiment":"neutral","sentiment_score":-0.2606690973043442},{"text":"And that's it.","start":1043.06,"end":1044.04,"sentiment":"neutral","sentiment_score":-0.21101918816566467},{"text":"It might have been Yep.","start":1045.0751,"end":1051.0951,"sentiment":"neutral","sentiment_score":-0.03116132542490959},{"text":"Yep.","start":1057.9551,"end":1058.4551,"sentiment":"neutral","sentiment_score":0.2900022864341736}],"sentiment":"neutral","sentiment_score":-0.19096375197956436,"num_words":19,"start":1038.34,"end":1058.4551},{"sentences":[{"text":"Yeah.","start":1060.5701,"end":1060.81,"sentiment":"neutral","sentiment_score":0.03583047538995743},{"text":"Look, I suppose, again, one of those things you just don't think of it.","start":1060.81,"end":1066.51,"sentiment":"neutral","sentiment_score":-0.08244742705885853},{"text":"None of us think we haven't dropped it, do we?","start":1067.77,"end":1069.7101,"sentiment":"neutral","sentiment_score":-0.13795979022979737},{"text":"But it happens.","start":1070.89,"end":1071.7101,"sentiment":"neutral","sentiment_score":-0.16024275620778403},{"text":"So I suppose yeah.","start":1073.13,"end":1076.765,"sentiment":"neutral","sentiment_score":-0.14388825371861458}],"sentiment":"neutral","sentiment_score":-0.11107227153843269,"num_words":32,"start":1060.5701,"end":1076.765},{"sentences":[{"text":"And that's that's the the one thing the the other side of the coin for me, mate.","start":1076.985,"end":1080.505,"sentiment":"neutral","sentiment_score":-0.10656130401527181},{"text":"There's not much money in my bank account.","start":1080.505,"end":1082.025,"sentiment":"negative","sentiment_score":-0.35832006484270096},{"text":"A lot of lot of red figures, not many 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her.","start":1157.715,"end":1163.235,"sentiment":"positive","sentiment_score":0.3346430656313896},{"text":"God.","start":1163.235,"end":1163.735,"sentiment":"neutral","sentiment_score":0.23548942804336548},{"text":"Yeah.","start":1164.195,"end":1164.515,"sentiment":"positive","sentiment_score":0.3425551652908325}],"sentiment":"neutral","sentiment_score":0.16205981160913194,"num_words":49,"start":1150.4801,"end":1164.515},{"sentences":[{"text":"Good luck there.","start":1164.515,"end":1165.4149,"sentiment":"positive","sentiment_score":0.5241146683692932},{"text":"Yeah.","start":1172.56,"end":1173.06,"sentiment":"neutral","sentiment_score":0.039796069264411926},{"text":"So the youngest six to eight mil got a 20, 22, and a 27 year old.","start":1173.2001,"end":1177.22,"sentiment":"neutral","sentiment_score":0.04499592422507703},{"text":"Yep.","start":1181.12,"end":1181.62,"sentiment":"neutral","sentiment_score":0.039197422564029694},{"text":"Yep.","start":1196.905,"end":1197.2251,"sentiment":"neutral","sentiment_score":0.07511918246746063}],"sentiment":"neutral","sentiment_score":0.11119961213659156,"num_words":22,"start":1164.515,"end":1197.2251},{"sentences":[{"text":"Yep.","start":1197.2251,"end":1197.545,"sentiment":"neutral","sentiment_score":0.04979677498340607},{"text":"No.","start":1197.545,"end":1197.785,"sentiment":"neutral","sentiment_score":-0.17756512761116028},{"text":"I probably will.","start":1197.785,"end":1198.505,"sentiment":"neutral","sentiment_score":-0.30938751498858136},{"text":"I just like I say, you know, tomorrow never comes when it does come, and and complacency is bloody rude of that, I think.","start":1198.505,"end":1206.91,"sentiment":"negative","sentiment_score":-0.3739976740131776},{"text":"Just never thought about it.","start":1207.05,"end":1208.5701,"sentiment":"negative","sentiment_score":-0.34914193749427797}],"sentiment":"negative","sentiment_score":-0.34639955180532794,"num_words":34,"start":1197.2251,"end":1208.5701},{"sentences":[{"text":"Although, funny as that, the better half and I have been discussing this, obviously, with my with my health issues, she's just a bit worried.","start":1208.5701,"end":1215.8701,"sentiment":"neutral","sentiment_score":-0.08394198551774025},{"text":"Just yeah.","start":1216.635,"end":1217.355,"sentiment":"neutral","sentiment_score":-0.05230494774878025},{"text":"It's just a matter of walking in there and going, I need a pair of attorney kit.","start":1217.355,"end":1221.2151,"sentiment":"neutral","sentiment_score":0.06267136861296262},{"text":"There's only $25.","start":1221.8351,"end":1223.035,"sentiment":"neutral","sentiment_score":0.16105966766675314},{"text":"Can I have that?","start":1223.035,"end":1224.095,"sentiment":"neutral","sentiment_score":0.10973346792161465}],"sentiment":"neutral","sentiment_score":-0.004228105732038909,"num_words":51,"start":1208.5701,"end":1224.095},{"sentences":[{"text":"And we're done.","start":1224.395,"end":1225.295,"sentiment":"neutral","sentiment_score":0.0836411863565445},{"text":"Yeah.","start":1230.01,"end":1230.33,"sentiment":"neutral","sentiment_score":0.09222343564033508},{"text":"No.","start":1230.33,"end":1230.57,"sentiment":"neutral","sentiment_score":-0.026046060025691983},{"text":"I'll probably I will take that advice on board.","start":1230.57,"end":1232.73,"sentiment":"neutral","sentiment_score":0.017326668318774965},{"text":"That'd be one thing I will take on board because, yeah, you're mad if you don't.","start":1232.73,"end":1238.99,"sentiment":"neutral","sentiment_score":-0.08370890119113028}],"sentiment":"neutral","sentiment_score":-0.028876715650161106,"num_words":30,"start":1224.395,"end":1238.99},{"sentences":[{"text":"Yep.","start":1242.765,"end":1243.265,"sentiment":"neutral","sentiment_score":0.01988815516233444},{"text":"Give me a heads up.","start":1253.645,"end":1254.865,"sentiment":"neutral","sentiment_score":-0.024843943864107133},{"text":"Yeah.","start":1255.005,"end":1255.165,"sentiment":"neutral","sentiment_score":-0.003474995493888855},{"text":"No.","start":1255.165,"end":1255.405,"sentiment":"neutral","sentiment_score":-0.13645081222057345},{"text":"Let's roll the doors.","start":1255.405,"end":1256.285,"sentiment":"neutral","sentiment_score":-0.08572221267968416}],"sentiment":"neutral","sentiment_score":-0.04892885188261668,"num_words":12,"start":1242.765,"end":1256.285},{"sentences":[{"text":"Let's let's let's roll the doors.","start":1256.285,"end":1258.145,"sentiment":"neutral","sentiment_score":0.03804141158858935},{"text":"Yep.","start":1263.94,"end":1264.44,"sentiment":"neutral","sentiment_score":0.3022487759590149},{"text":"Yep.","start":1272.4551,"end":1272.9551,"sentiment":"neutral","sentiment_score":0.2435016632080078},{"text":"Not yet.","start":1278.6951,"end":1279.175,"sentiment":"neutral","sentiment_score":-0.23044805228710175},{"text":"I'm happy with that.","start":1279.175,"end":1279.975,"sentiment":"neutral","sentiment_score":-0.18741076812148094}],"sentiment":"neutral","sentiment_score":-0.03118144774011203,"num_words":14,"start":1256.285,"end":1279.975},{"sentences":[{"text":"I'm not into all that other stuff.","start":1279.975,"end":1281.335,"sentiment":"neutral","sentiment_score":-0.0707640243428094},{"text":"I'm sort of just something's tried and true and proven.","start":1281.335,"end":1285.115,"sentiment":"neutral","sentiment_score":0.1436762198805809},{"text":"You know?","start":1286.08,"end":1286.48,"sentiment":"neutral","sentiment_score":0.022909538820385933},{"text":"Yeah.","start":1286.48,"end":1286.7999,"sentiment":"neutral","sentiment_score":0.07931733876466751},{"text":"You might you might miss out all if we got this return on it.","start":1286.7999,"end":1290.32,"sentiment":"neutral","sentiment_score":0.05104326962360314}],"sentiment":"neutral","sentiment_score":0.05238694763358902,"num_words":34,"start":1279.975,"end":1290.32},{"sentences":[{"text":"Yeah.","start":1290.32,"end":1290.5599,"sentiment":"neutral","sentiment_score":0.15036210417747498},{"text":"You took the gamble and paid it off for you.","start":1290.5599,"end":1292.1599,"sentiment":"positive","sentiment_score":0.3591490790247917},{"text":"Good luck to you.","start":1292.1599,"end":1293.12,"sentiment":"positive","sentiment_score":0.41405489295721054},{"text":"I don't sit back there and go.","start":1293.12,"end":1294.82,"sentiment":"neutral","sentiment_score":-0.14230500906705856},{"text":"But I'm not jealous of that shit.","start":1295.5199,"end":1297.12,"sentiment":"negative","sentiment_score":-0.4108358089412962}],"sentiment":"neutral","sentiment_score":0.05262368069640521,"num_words":29,"start":1290.32,"end":1297.12},{"sentences":[{"text":"I just I'm I'm getting too off that crap.","start":1297.12,"end":1300.2849,"sentiment":"negative","sentiment_score":-0.475287096367942},{"text":"I really am, mate.","start":1300.2849,"end":1301.085,"sentiment":"neutral","sentiment_score":-0.10422995686531067},{"text":"You know, if some people have been fortunate enough at the high risk level, good luck to them.","start":1301.085,"end":1306.705,"sentiment":"neutral","sentiment_score":0.13299518078565598},{"text":"Me?","start":1307.965,"end":1308.465,"sentiment":"neutral","sentiment_score":0.1229960322380066},{"text":"Yeah.","start":1308.5249,"end":1308.845,"sentiment":"neutral","sentiment_score":0.1360367387533188}],"sentiment":"neutral","sentiment_score":-0.061865383928472344,"num_words":33,"start":1297.12,"end":1308.845},{"sentences":[{"text":"I'll still live with what I've got.","start":1308.845,"end":1310.625,"sentiment":"neutral","sentiment_score":0.15676927460091455},{"text":"Yes.","start":1333.1649,"end":1333.6649,"sentiment":"neutral","sentiment_score":0.1863020807504654},{"text":"Yep.","start":1348.5,"end":1349.0,"sentiment":"neutral","sentiment_score":-0.0884598046541214},{"text":"My my goal is to to to plate my buddy bank debts as quick as I can.","start":1352.975,"end":1358.595,"sentiment":"neutral","sentiment_score":0.2755144724951071},{"text":"Yeah.","start":1382.115,"end":1382.615,"sentiment":"positive","sentiment_score":0.5186039209365845}],"sentiment":"neutral","sentiment_score":0.23694730191319077,"num_words":27,"start":1308.845,"end":1382.615},{"sentences":[{"text":"See, that's worth that's well worth.","start":1383.5549,"end":1385.235,"sentiment":"positive","sentiment_score":0.6935028930505117},{"text":"And look, that's gotta be worth considering, you know, when you look at the that's what the smart people do with it really.","start":1385.235,"end":1391.575,"sentiment":"positive","sentiment_score":0.5031554504581119},{"text":"Yep.","start":1407.9601,"end":1408.28,"sentiment":"neutral","sentiment_score":0.21073035895824432},{"text":"Alright.","start":1408.28,"end":1408.78,"sentiment":"neutral","sentiment_score":0.28186917304992676},{"text":"Too easy.","start":1408.8401,"end":1409.5801,"sentiment":"neutral","sentiment_score":0.3073352575302124}],"sentiment":"positive","sentiment_score":0.5103291747244921,"num_words":33,"start":1383.5549,"end":1409.5801},{"sentences":[{"text":"No.","start":1413.835,"end":1413.995,"sentiment":"neutral","sentiment_score":-0.0734439492225647},{"text":"No.","start":1413.995,"end":1414.235,"sentiment":"neutral","sentiment_score":-0.08590692281723022},{"text":"I think you've along with journey with the conversation, you've probably answered everything.","start":1414.235,"end":1418.875,"sentiment":"neutral","sentiment_score":0.0638160717028838},{"text":"You've just as I said, I feel a little bit more comfortable.","start":1418.875,"end":1422.095,"sentiment":"neutral","sentiment_score":0.1704701315611601},{"text":"Not a 100%.","start":1422.4099,"end":1423.2899,"sentiment":"neutral","sentiment_score":-0.10209494829177856}],"sentiment":"neutral","sentiment_score":0.08032049313187599,"num_words":30,"start":1413.835,"end":1423.2899},{"sentences":[{"text":"I'm not gonna lie about it.","start":1423.2899,"end":1424.6699,"sentiment":"neutral","sentiment_score":0.03989767904082934},{"text":"But But but but that's the case with with superannuation.","start":1424.89,"end":1444.605,"sentiment":"neutral","sentiment_score":-0.08857504390180111},{"text":"I I've seen some hard stories at the moment.","start":1444.905,"end":1447.485,"sentiment":"negative","sentiment_score":-0.4332905345492893},{"text":"Not not a great I don't again, don't take a great deal of notice.","start":1447.9601,"end":1451.1001,"sentiment":"negative","sentiment_score":-0.40816129531179157},{"text":"But there seems to be issues with the superannuation funds, whether they're being held accountable enough or they're transparent enough with with people I don't know.","start":1451.3201,"end":1461.0149,"sentiment":"negative","sentiment_score":-0.4205099516190015}],"sentiment":"neutral","sentiment_score":-0.3260537854180886,"num_words":65,"start":1423.2899,"end":1461.0149},{"sentences":[{"text":"But it just sort of seems to be even they themselves have got this little bit of a blanks payout over and go, oh, we've got money.","start":1461.0149,"end":1467.595,"sentiment":"neutral","sentiment_score":-0.2926504669917954},{"text":"Skip shit for you if this goes fair show.","start":1467.975,"end":1470.1549,"sentiment":"negative","sentiment_score":-0.5165200895733304},{"text":"Our CEOs and all that again still get paid well.","start":1470.215,"end":1472.875,"sentiment":"neutral","sentiment_score":0.024851936846971512},{"text":"So Yeah.","start":1482.44,"end":1495.815,"sentiment":"neutral","sentiment_score":-0.06064550392329692},{"text":"Yeah.","start":1495.815,"end":1496.315,"sentiment":"neutral","sentiment_score":-0.09579066932201384}],"sentiment":"neutral","sentiment_score":-0.2554858310946396,"num_words":49,"start":1461.0149,"end":1496.315},{"sentences":[{"text":"Yeah.","start":1497.015,"end":1497.095,"sentiment":"neutral","sentiment_score":-0.14225929975509644},{"text":"And that seems to be the problem.","start":1497.095,"end":1498.695,"sentiment":"negative","sentiment_score":-0.3433518963200705},{"text":"It it might a $100 120 grams for them might not be a lot who gives a shit.","start":1498.695,"end":1504.17,"sentiment":"negative","sentiment_score":-0.4431896507740021},{"text":"It's my fault.","start":1504.25,"end":1504.9701,"sentiment":"negative","sentiment_score":-0.6496821244557699},{"text":"It's kind of superannuation.","start":1504.9701,"end":1505.87,"sentiment":"negative","sentiment_score":-0.5130099654197693}],"sentiment":"negative","sentiment_score":-0.4401279552416368,"num_words":33,"start":1497.015,"end":1505.87},{"sentences":[{"text":"So that's how I look at it now.","start":1507.4501,"end":1509.13,"sentiment":"neutral","sentiment_score":-0.11520435009151697},{"text":"They could blow 10% of everyone's off the top.","start":1509.13,"end":1511.77,"sentiment":"neutral","sentiment_score":-0.2905895544422997},{"text":"So sometimes that that 10% between, you know, a good life and a shitty life at retirement.","start":1511.77,"end":1519.205,"sentiment":"neutral","sentiment_score":-0.174888633629855},{"text":"It's it's $12 out of my that's brings me from 120 down to a 108.","start":1521.025,"end":1525.025,"sentiment":"neutral","sentiment_score":-0.17854962050914763},{"text":"And I said, shit.","start":1525.025,"end":1525.585,"sentiment":"negative","sentiment_score":-0.41199496388435364}],"sentiment":"neutral","sentiment_score":-0.20445795708669806,"num_words":53,"start":1507.4501,"end":1525.585},{"sentences":[{"text":"I can't afford to lose much more than that.","start":1525.585,"end":1527.6849,"sentiment":"negative","sentiment_score":-0.6129012902577718},{"text":"So that's how I look at it.","start":1528.785,"end":1532.405,"sentiment":"neutral","sentiment_score":0.05363419598766735},{"text":"Yep.","start":1556.375,"end":1556.875,"sentiment":"neutral","sentiment_score":0.09194386005401611},{"text":"So with with your investments, where where does most of it look at?","start":1563.54,"end":1569.46,"sentiment":"neutral","sentiment_score":0.010142145141099509},{"text":"Like, obviously, at the moment and look, I'm a renewable energy fan.","start":1569.46,"end":1576.8151,"sentiment":"neutral","sentiment_score":0.07994450038919847}],"sentiment":"neutral","sentiment_score":-0.0942272973535139,"num_words":42,"start":1525.585,"end":1576.8151},{"sentences":[{"text":"Do I believe renewable energy will run a tractor the size of Australia?","start":1577.115,"end":1580.5751,"sentiment":"neutral","sentiment_score":0.04383891520018761},{"text":"In my opinion, no.","start":1581.1951,"end":1582.9751,"sentiment":"neutral","sentiment_score":-0.13032037019729614},{"text":"Based on listening to people that live renewable energy, off grid living and all that shit, whatever.","start":1583.8351,"end":1590.41,"sentiment":"neutral","sentiment_score":-0.1885136365890503},{"text":"Where do you invest?","start":1590.79,"end":1591.83,"sentiment":"neutral","sentiment_score":-0.07953771576285362},{"text":"Like, how do you look at the markets and get we we know that oil at the moment is sort of getting a battery and thinking that not a future.","start":1591.83,"end":1599.03,"sentiment":"neutral","sentiment_score":-0.15520867854356765}],"sentiment":"neutral","sentiment_score":-0.11956645036116242,"num_words":68,"start":1577.115,"end":1599.03},{"sentences":[{"text":"But if a company in Australia said, look, we've just found the biggest fucking oil reserves in Australia, we've got we've got two hundred years of oil reserves to meet the needs of this population of 27,000,000 and drop price of fuel up at a dollar a liter, or do you look at is it renewable energy?","start":1599.03,"end":1618.41,"sentiment":"neutral","sentiment_score":-0.29890100012549703},{"text":"Is it the mining sector for gold and copper?","start":1618.41,"end":1620.91,"sentiment":"neutral","sentiment_score":-0.009293107212417655},{"text":"Where do they actually invest?","start":1621.6901,"end":1623.4701,"sentiment":"neutral","sentiment_score":-0.024386102706193923},{"text":"Yep.","start":1690.475,"end":1690.975,"sentiment":"neutral","sentiment_score":-0.01676311530172825},{"text":"It does.","start":1691.5149,"end":1692.2549,"sentiment":"neutral","sentiment_score":0.009138580411672592}],"sentiment":"neutral","sentiment_score":-0.23299204648749247,"num_words":74,"start":1599.03,"end":1692.2549},{"sentences":[{"text":"So, obviously, it's it's quite well, one would assume another of caution as well.","start":1692.315,"end":1697.9299,"sentiment":"neutral","sentiment_score":0.07816973142325878},{"text":"Again, if you look at the well, everyone's look at The Middle East and Iran and The US, and I think there's no something like a hundred and thirty forty different conflicts going on in the world.","start":1698.95,"end":1708.475,"sentiment":"neutral","sentiment_score":-0.04682201569950258},{"text":"We're focusing on Buddy One.","start":1708.475,"end":1710.255,"sentiment":"neutral","sentiment_score":0.07798619382083416},{"text":"Like, you know, this is the magic ball stuff, and I suppose it would relate to nearly every investor or every every pun that you're dealing with.","start":1711.915,"end":1720.32,"sentiment":"neutral","sentiment_score":0.1296531369012815},{"text":"Is how do you determine the the market?","start":1720.5599,"end":1722.72,"sentiment":"neutral","sentiment_score":-0.017259069718420506}],"sentiment":"neutral","sentiment_score":0.03422477765643334,"num_words":91,"start":1692.315,"end":1722.72},{"sentences":[{"text":"Like, if if things really turn to shit in The Middle East, which really they've been like that for the last thirty odd years, what happens then to the markets?","start":1722.72,"end":1733.12,"sentiment":"neutral","sentiment_score":-0.1331208109855652},{"text":"Like, do do you withdraw from the oil sector and go heavily to dip something else?","start":1733.12,"end":1737.7748,"sentiment":"neutral","sentiment_score":-0.12388113653287292},{"text":"Or is it too late?","start":1737.7748,"end":1739.2544,"sentiment":"neutral","sentiment_score":-0.1824406534433365},{"text":"Or is it because the small proportion also my my in my money is invested in that, you know what, we're gonna have to take a hit from that because we're gonna pick it up somewhere else.","start":1739.2544,"end":1750.5,"sentiment":"neutral","sentiment_score":-0.2870547811727266},{"text":"Yep.","start":1791.905,"end":1792.405,"sentiment":"neutral","sentiment_score":0.006053795572370291}],"sentiment":"neutral","sentiment_score":-0.19666178527110245,"num_words":89,"start":1722.72,"end":1792.405},{"sentences":[{"text":"Yep.","start":1814.87,"end":1815.37,"sentiment":"neutral","sentiment_score":0.010169844143092632},{"text":"It does.","start":1830.71,"end":1839.91,"sentiment":"neutral","sentiment_score":-0.06415409222245216},{"text":"Yes.","start":1839.91,"end":1840.23,"sentiment":"neutral","sentiment_score":0.027096906676888462},{"text":"No.","start":1840.23,"end":1840.39,"sentiment":"neutral","sentiment_score":-0.19834204018115997},{"text":"I get that.","start":1840.39,"end":1840.87,"sentiment":"neutral","sentiment_score":-0.09359158327182134}],"sentiment":"neutral","sentiment_score":-0.0712697779526934,"num_words":8,"start":1814.87,"end":1840.87},{"sentences":[{"text":"That's alright.","start":1840.87,"end":1841.51,"sentiment":"neutral","sentiment_score":0.1330331526696682},{"text":"Look, I've got I've got a gal with Casperbury.","start":1841.51,"end":1847.0349,"sentiment":"neutral","sentiment_score":0.16999614735444388},{"text":"So alright.","start":1847.095,"end":1853.735,"sentiment":"neutral","sentiment_score":0.06736763194203377},{"text":"Alright.","start":1853.735,"end":1853.815,"sentiment":"neutral","sentiment_score":0.11083082854747772},{"text":"286, sir.","start":1853.815,"end":1855.0349,"sentiment":"neutral","sentiment_score":0.156480111181736}],"sentiment":"neutral","sentiment_score":0.14715987164527178,"num_words":16,"start":1840.87,"end":1855.0349},{"sentences":[{"text":"Yeah.","start":1857.095,"end":1857.1749,"sentiment":"neutral","sentiment_score":0.17379021644592285},{"text":"Say it.","start":1857.1749,"end":1857.495,"sentiment":"neutral","sentiment_score":0.20652002841234207},{"text":"Bye.","start":1857.495,"end":1857.995,"sentiment":"neutral","sentiment_score":-0.08189702033996582}],"sentiment":"neutral","sentiment_score":0.1262333132326603,"num_words":4,"start":1857.095,"end":1857.995}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hello. You've got Tommy?\n\nChannel 1: Hey, mate. Fabian. How are you?\n\nChannel 0: Yeah. Fantastic, dude. How are you doing?\n\nChannel 1: Yeah. Good, man. So he is at work, so I said we'll try and run through it as quick as we can.\n\nChannel 0: Oh, classic.\n\nChannel 1: Booked booked in for Tuesday at 04:30. For him, it's just it needs to make sense. He's like, I've burned $5 out of my suit for, like, twelve years ago and didn't really get it back. Like, I\n\nChannel 0: Yeah.\n\nChannel 1: don't really have any questions for me. It's just gonna be whether it makes financial sense. I said, well, really, for you, you just need to do some homework for me over the weekends and just check out if you'll know who you're actually dealing with. It doesn't matter how good the results look on paper. If you don't trust the company, well, then you're never gonna go ahead with it.\n\nLike, yeah. That's\n\nChannel 0: Yeah.\n\nChannel 1: fair.\n\nChannel 0: Awesome. No. That's you've\n\nChannel 1: Cool.\n\nChannel 0: touched it really well, man. Awesome.\n\nChannel 1: Great. Alright. Let me bring him in into the call for you.\n\nChannel 0: Yeah. Thanks so much, Ram.\n\nChannel 1: Cheers, mate. Thanks for holding, mate. So I've got Tommy on the line. I did mention to him that you're you're at work. So he'll run through what he needs to, but he will try and keep it as short and sweet as possible for you.\n\nAlright. That'd be great. Legend. Alright, mate. You have a good afternoon.\n\nI'll speak to you on Tuesday. No worries then. See you then. Cheers. Bye.\n\nBye.\n\nChannel 0: Good day, Ivan. It's Tommy here, senior adviser from Oakview, mate. Thank you for spending a few minutes with me today.\n\nChannel 1: Too easy, man. Too easy.\n\nChannel 0: With being at work, I'm going to just touch on basically four quick points with you just to make sure I can put a plan together, and then we can spend a bit more time when we run through the plan just to make sure you're happy with it. Is that okay?\n\nChannel 1: Yes. Go on.\n\nChannel 0: Perfect. One of the things I'm gonna quickly just touch on was just looking through your goals. There seems to be a lot there involved in just getting some protection and making sure your debts are covered because, obviously, you're coming close to your your preservation age. You're finishing off, like, your mortgage and everything like that. Is that pretty important to you at the moment?\n\nChannel 1: Getting the debt cleared up. Yes.\n\nChannel 0: Yeah. So one thing I wanted to just be quite careful on is just on the insurance side of things is just making sure I can kind of hunt around for you and see who's gonna be best when it comes to, like, life insurance, disability to cover the debts. Is that okay?\n\nChannel 1: You can. I'm gonna give you a bit of a disclosure. I do have a heart condition. So\n\nChannel 0: Yeah. The Epstein's anomaly.\n\nChannel 1: as I'm aging, it's gonna be harder and harder. I just\n\nChannel 0: Yes.\n\nChannel 1: canceled a profit because it was costing a fortune.\n\nChannel 0: Perfect. So what I might do then is we're gonna look at some transfer terms to at least be able to move the policy around and see if we can get it a little bit more affordable for you. And your only bet is potentially gonna be some default cover on top of that, just a small amount just to cover some debts. I'm not gonna be able to get you a full suite of policies. And just like you said, it'll cost you $510 anyway.\n\nChannel 1: Yeah. And then, you know, I can see if I put $10 a year in the bank. In ten years, I'm gonna have a thousand dollars, haven't I?\n\nChannel 0: Yep. Exactly right. And insurance is more for you know, when you're younger, if you can't save up money, you don't build assets, it's helpful there. But in your\n\nChannel 1: Yep.\n\nChannel 0: case, you basically need to protect what you've built and finish off building it, not\n\nChannel 1: Yeah.\n\nChannel 0: have it flood out in fees.\n\nChannel 1: Exactly.\n\nChannel 0: You see, Dan? So I'll keep it nice and simple. There's only those two options, so I'll try and investigate that for you and get you the best outcome I can. When it comes to the super, obviously, you said you had a bit of an experience twelve years ago with an adviser. Did you end up having, like, performance issues, lack of contact?\n\nLike, can you just briefly walk me through kind of what happened?\n\nChannel 1: It was it was all all smoke and mirrors on the outside, and I really just didn't feel happy with what was going on.\n\nChannel 0: Yep.\n\nChannel 1: And chewed up $5 in fees, and I it just it never went anywhere. It it was stagnant. It was just it was like, thanks very much. We've got your money in our bank account. Great.\n\nWe're promising. And I'm super annoyed until it's still protected, but it just didn't went anywhere. Like, I've got I think when I first spoke to her, even the chapter reached out this time, they said, you know, I had $60. The bank by the time now, I only had about 80 to $90. I've got a 120, so it still hasn't performed too bad.\n\nChannel 0: Yeah.\n\nChannel 1: So sometimes it's just like and to me, it's a little let it let it forget it because I can't touch it till I'm 67.\n\nChannel 0: Well, that's\n\nChannel 1: Is\n\nChannel 0: what\n\nChannel 1: there\n\nChannel 0: I wanted\n\nChannel 1: any\n\nChannel 0: to ask you. You hit your preservation age at 60, and that's your first point where you can start accessing super. So one of the things you can do like,\n\nChannel 1: sorry?\n\nChannel 0: are you aiming to retire at 67, or if you can, a little bit earlier than that?\n\nChannel 1: As I said, the dodgy ticket logo, I've got made a I'm open. I live to 67.\n\nChannel 0: Yeah.\n\nChannel 1: You you see, you you you're dealing with something probably more realistic than most of the other people that you've spoken with because of the fact that my health. So it's it's not it's not something that's lied about. It's not something that's been hairy, fairy. It's not something that's you know, the reality is I've got a dodgy ticket. Am I gonna live to 85?\n\nNo. No. It's not a good chance in the world.\n\nChannel 0: Yeah.\n\nChannel 1: If if I make 70, I've done pretty well. I also, at the moment, have a few issues with my health that I've gotta deal with. So, realistically, to be honest with you, I'm finding these conversations at the moment probably a bit null and void. Because\n\nChannel 0: Yeah.\n\nChannel 1: if it all goes pear shaped on me in twelve months' time, this is not my problem, is it?\n\nChannel 0: Can I be completely transparent with you? Because\n\nChannel 1: Yep.\n\nChannel 0: I basically know how this was is gonna go for you. I have a lot of clients in the same boat. So let's say you're 57 now. Let's say you come on board with us and we move you super around and we try and get you a bit extra growth out of it. That's great.\n\nSomething's gonna happen with the health just like you said. Soon as you hit 60, you can switch over to transition pensions or that kind of thing. Start accessing it as you need to. At some point, you're probably gonna need to do an insurance claim of some kind on life and TPD and get everything kind of set up into a bit of a pension so that you can actually live off of it, whether that's, you know, if you become terminal, if you become TPD, it'll have to stop working. You basically need to get all of your eggs together, structured up, and live off of it.\n\nDoes that sound about right? So this is one of the things that we can definitely help you with that. We do a lot of setting up pension accounts, helping clients through insurance claims, helping them kind\n\nChannel 1: Yep.\n\nChannel 0: of structure to live off of it. So if nothing else, let's say I put together a plan now. If you're happy with it, we try and get you just a little bit more growth out of it for a few years. Once\n\nChannel 1: Yep.\n\nChannel 0: everything changes with your health, we're basically gonna set you up with, like, quarterly contact points. If anything happens in between those quarters, you just give us a buzz, and we can just start progressing you through insurance claims, transitioning your super into a pension account, and getting you all structured up and basically just help you\n\nChannel 1: Yep.\n\nChannel 0: through each of those transition phases. I think that's probably gonna be the most help we can do for you.\n\nChannel 1: Yep. And and look and this is why I think you know, as I said, I'm 57. I've done this gig for fifty seven years. It's not new to me. It's not like you're dealing with someone who's been fit and healthy and all of a sudden got fat and massive health issues.\n\nI've done this for that long. It's just second nature. So\n\nChannel 0: Yeah.\n\nChannel 1: I do I do draw a lot of skepticism because I'm thinking, mate, the time's running out for me, And I think this will follow flow on effect from the nineties when we'll promise all these bullshit things. Not that they are, but, you know, you need a million dollars to retire on. As I said, the one about yesterday, What a million dollars is $20 a year for fifty years. You're absolutely right. That's that's deposit with it not taking into account investment structures that increase portfolios.\n\nFor\n\nChannel 0: Yeah.\n\nChannel 1: that to happen, you could have a 200,000 a year job from the day one when you start working at eight years of age. Most people are are gonna be lucky to retire on probably 6 $7.50 to a million dollars if they're lucky. And\n\nChannel 0: Yeah.\n\nChannel 1: and I just think that superannuation wasn't a big thing when I started. It was, you know, seven, eight years of age. Takes me back to 8087, '88\n\nChannel 0: It became big in the nineties, from '90\n\nChannel 1: when\n\nChannel 0: two onwards.\n\nChannel 1: was just starting to become that thing, and I think Kenneth Keating really ensured that we had superannuation and took care of ourselves a little bit because, obviously, the public purse isn't gonna be there to carriers.\n\nChannel 0: No.\n\nChannel 1: But it was just one of those things that to be honest with you, mate, I'm surprised I'm still breathing. I didn't think I was going to live this long. So why was I too consumed about having superannuation? And it's just one of those things, like, as I've got older, I've brought a second I've brought us an investment property purely because I think that's gonna be a better return than super because in ten years' time, I can flop it off. I'll probably make a $120,130 grand out of it.\n\nAlright. I'm gonna\n\nChannel 0: Yeah.\n\nChannel 1: lose some in tax. I get what I paid for it. I'm gonna sit on probably $300 there.\n\nChannel 0: Yeah. And then, basically, what it comes down to is we tie that into retirement plans. You do a bit of a sale if you need to. You rotate a few things around, you know, minimize the CGT, get it all structured up to live off, and that's pretty much what you're gonna end up doing. You already know it.\n\nChannel 1: Yeah. That's that's my my plan because I just well, why not? You know, the nine famous words that Ronald Reagan, trust us with from the government. Those are nine words. Don't don't trust us.\n\nAnd anyone else that's really like that, I just get really skeptical about. So, you know, I feel like I'm probably wasting your time. Happy to listen. Happy to to to take note and look at it. So what you get paid to do is provide provide a fairly watertight advice.\n\nChannel 0: Yeah.\n\nChannel 1: But once bitten twice shy. I know that sounds terrible, but it's just it probably frustrates you to hear that because, you know, there were people that were in that industry that have caused this angst for me and probably thousands of others.\n\nChannel 0: Well, it doesn't actually frustrate me because I came in in 2014, and\n\nChannel 1: Yep.\n\nChannel 0: I was basically dealing with all of the hangover from the GFC and all of the distrust that had happened there. First thing that happened when I got in was royal commissions, banks selling off advice firms, scandal after scandal with super funds, banks, financial advisers, all that kind of thing. And I've just seen it just nonstop the entire twelve years I've been doing it for, to be honest. And most people in your position have that that distrust for a reason. There was Storm Financial in North Queensland.\n\nThat entire area is basically just you have to skip a generation before anyone's wanting to talk to anyone again. Do you know what I mean?\n\nChannel 1: Yeah. And and and realistically, I don't know. I I can remember when the pyramid building society collapsed. Do a do a quick set of stuff. I think that's when the banks become if you could say that, trustworthy.\n\nChannel 0: How to slightly more transparent accountability to\n\nChannel 1: Yeah. So, you know,\n\nChannel 0: a\n\nChannel 1: look,\n\nChannel 0: small\n\nChannel 1: as I said, I'm happy to to listen\n\nChannel 0: degree.\n\nChannel 1: to someone who who sounds genuine as opposed to somebody who's 35 by nine of it. And, gee, we're giving a lend to this guy's money. Well, let's, you know, send him down. It's just is there a little bit of smoke or salesman mentality for me to tell her I look at all you guys?\n\nChannel 0: Yeah. Mate, my my job is pretty simple because I was talking to to Fabian and the guys, and you're gonna have a bit of a look over the weekend and and hopefully hop on our financial services guide, are you?\n\nChannel 1: Yeah. Just can I just get your website again?\n\nChannel 0: Yeah. So it's Oakview Financial. Even if you just\n\nChannel 1: Oh.\n\nChannel 0: Google it, it'll show us popping up in Southport Gold Coast and\n\nChannel 1: Did you set five of you?\n\nChannel 0: sorry. Oakview like a tree.\n\nChannel 1: Yep. Oh, o\n\nChannel 0: And\n\nChannel 1: q\n\nChannel 0: yeah. Oakview Financial.\n\nChannel 1: q. Yep. I see it.\n\nChannel 0: Got\n\nChannel 1: That's alright.\n\nChannel 0: it\n\nChannel 1: Yeah.\n\nChannel 0: there.\n\nChannel 1: He asked me to do this. This was this was gonna be my homework for the week just to to put my mind at rest.\n\nChannel 0: Yeah. So what I wanna do, and this is basically the simpleness of it, right, is we're very limited in what we do with the insurances. Gonna try and get a slightly better outcome for the super and hopefully be alongside you to guide you through those phases with insurance claims, pensions, all that kind of thing. You'll see somebody on there, our head of advice, Larissa. She has specialized in we call it case management.\n\nShe specializes in terminal illness, TBD, retirement. And,\n\nChannel 1: Yep.\n\nChannel 0: basically, Larissa and I will pretty much be looking after you for the next few years.\n\nChannel 1: Yep.\n\nChannel 0: And with the service agreements, obviously, it's, like, yearly based paid monthly, but you can fire us at any point if you're not happy with the service.\n\nChannel 1: So I assume that I've I've obviously have to go to my employer and and give them the change of details for superannuation.\n\nChannel 0: I think that's probably the only thing you'll have to do if we do end up changing it around. We'll pretty\n\nChannel 1: Yep.\n\nChannel 0: much do pre fill forms, applications, all that thing for you.\n\nChannel 1: Alright. Because I'm fairly sure that they are not in the industry specific themselves because the number of people that they've got working for them that have probably come on board. So maybe, you know, finance might have a ten minute job that they're gonna change all that around for them. It's bad luck, I suppose, isn't it?\n\nChannel 0: Yeah. But your your job service agency, they seem to be they would be pretty flexible. I'm assuming there'd be no EBAs or bargaining agreements restricting you.\n\nChannel 1: No. Because I went to them with this superannuation. It wasn't like I've been working there for the last decade, and then this is their nominated super super fund that I I had Hester sort of long story short, when I started with disability sector twenty years ago, whoever I was working with then automatically just went straight on to Hester. So I had small other ones. I think I had a c c bus, like, superannuation at the time.\n\nAnd\n\nChannel 0: Yep.\n\nChannel 1: I just,\n\nChannel 0: And you've carried that with you to this place.\n\nChannel 1: yeah, just folded everything over into one. I sort of left it like most most young boys, we don't think of these things and left it going and got a statement. And then, Jesus, I've lost a few dollars in in fees here. And just said\n\nChannel 0: Yeah.\n\nChannel 1: transfer it over.\n\nChannel 0: And that's the\n\nChannel 1: So\n\nChannel 0: thing is when we go through it, we're gonna obviously factor in fees. Look. I'm not gonna smoke and mirror you with projections and things like that. They'll be included to show the impact of the advice. But, basically, you hold us to account every quarter, every year.\n\nI'll be sending you reports about how it's gone after fees, and we talk about the market. We talk about how it's going. If you're happy, you're happy. If you're not, we change it, or we say see you later.\n\nChannel 1: Yep. Alright. No. Look. I'm I'm happy with that.\n\nJust that whole as I said, that that one spit and twice shining on Cali For me and with with this, I said, with the health too, I don't wanna get this sort of stuck in somewhere and then find out if I can't access it for another twelve months or something. I need it now. Although, it's just that I can't relate, so I'm 60. But\n\nChannel 0: Yeah.\n\nChannel 1: I'm\n\nChannel 0: No. If\n\nChannel 1: assuming\n\nChannel 0: something happens with your health, you can you can trigger conditions of release there, and, basically, our job is to go to bat for you with the providers and get it all released and structured so you can access it. So that's,\n\nChannel 1: Yep.\n\nChannel 0: again, probably the main health is when that happens, you let us know, and we jump onto it for you.\n\nChannel 1: Yep. That's just one\n\nChannel 0: I\n\nChannel 1: of\n\nChannel 0: do\n\nChannel 1: those\n\nChannel 0: have\n\nChannel 1: things.\n\nChannel 0: to ask you one other thing with the estate planning, though. Sorry. You've got Rosalyn there as your beneficiary for, like,\n\nChannel 1: Yep.\n\nChannel 0: the\n\nChannel 1: Correct.\n\nChannel 0: life insurance and the super.\n\nChannel 1: Yes.\n\nChannel 0: Like, you've have you already sorted out, like, a will and a power of attorney or everything,\n\nChannel 1: Yeah.\n\nChannel 0: or is that still\n\nChannel 1: Yeah. That's fine. Not my problem when I'm dead. But I I started my way of thinking this and I don't know if you can do this. It would be about I I intend to sell all my homes all my homes to the kids prior to everything.\n\nChannel 0: Okay.\n\nChannel 1: I'm one that sounds probably weird. I actually have a lot of faith in my older son who is a a good young bloke that you know? And my theory is, guys, once you sell me that and then I put all the cash in the fucking tin in the backyard, you can have a way over time having a treasure hunt, and then there's no probate or any bullshit like that. We'll have we'll have a good time before we go because I hear horror stories of people dealing with probate and and all that stuff. And it's like, fuck.\n\nOur government just wanna rob us blind, alive\n\nChannel 0: Yeah.\n\nChannel 1: and dead.\n\nChannel 0: That's why I wanted to ask you because you can if you wanted to, you could do a $25 will kit from the post office. You can do a $25 power of attorney kit for when your health goes, and Rosalind's got an easier time dealing with the doctors and the bank accounts and everything unless it's all joined.\n\nChannel 1: No. It's unfortunately, my bank account, we for whatever reason, we've always been his and hers or and we've never the client have never met. We just she's got her bank account. I've got mine. And that's it.\n\nChannel 0: K. So\n\nChannel 1: It might\n\nChannel 0: if something happens and you go in a coma, they won't be able to access it unless they go to the court.\n\nChannel 1: have been\n\nChannel 0: I would\n\nChannel 1: Yep.\n\nChannel 0: recommend a power of attorney even if you go to the post office for $25 and put her down so that she can bypass that. I'm gonna recommend\n\nChannel 1: Yep.\n\nChannel 0: it, but it's up to you if you wanna do it.\n\nChannel 1: Yeah. Look, I suppose, again, one of those things you just don't think of it. None of us think we haven't dropped it, do we?\n\nChannel 0: No.\n\nChannel 1: But it happens.\n\nChannel 0: And\n\nChannel 1: So\n\nChannel 0: it probably\n\nChannel 1: I\n\nChannel 0: happens\n\nChannel 1: suppose\n\nChannel 0: when you least expect it too.\n\nChannel 1: yeah. And that's that's the the one thing the the other side of the coin for me, mate. There's not much money in my bank account. A lot of lot of red figures, not many black.\n\nChannel 0: Gotcha. Got the cars, the credit card, the investment property, the mortgage. Hey. Look. Got a\n\nChannel 1: Yeah.\n\nChannel 0: couple of properties, a little bit of super there. Like, everyone's gonna be very appreciative as long as you get to enjoy enjoy those years. And the treasure hunt sounds fantastic.\n\nChannel 1: Yeah. Just keep all the kids happy then that give them something to think about. What was this kid's keeping our boss to thinking? I can remember him rooting around in the back of you with a shovel one day.\n\nChannel 0: Speaking of rooting around, you've just got the one boy, don't you?\n\nChannel 1: Sorry?\n\nChannel 0: The Sun Bear, do you have anyone else with any other partners that we have to worry about when it comes to estate planning?\n\nChannel 1: I've I've got four children. Now they're all well, the oldest son's single at the moment, and I think he's gonna keep it that way for a while. He's had a a a run at a poor experience. My second son's on the spectrum. So, you know, chasing girls is just not nothing he can really see.\n\nMy oldest\n\nChannel 0: Yep.\n\nChannel 1: daughter's in a relationship that will probably go pear shape. I'm hoping sooner rather than later. Not because I this girl wanted to be single, but just she can find someone better. And when she\n\nChannel 0: Yeah.\n\nChannel 1: finds someone that has got an issue, my youngest daughter, yeah, good luck with anybody who wants to try and tame her. God. Yeah. Good luck there.\n\nChannel 0: Gotcha. Gotcha. So is everyone pretty well outside of one 16 year old? Everyone else is over 18?\n\nChannel 1: Yeah. So the youngest six to eight mil got a 20, 22, and a 27\n\nChannel 0: Twenty\n\nChannel 1: year old.\n\nChannel 0: 22 and 27. Just gonna write that\n\nChannel 1: Yep.\n\nChannel 0: down. Look. Again, my suggestion is try and put something in writing so that if you don't get a chance to sell everything off in time, at least there's something there so it's easier on them. Again, up to you if you wanna do that, but definitely in that situation, it it would be helpful for them.\n\nChannel 1: Yep. Yep. No. I probably will. I just like I say, you know, tomorrow never comes when it does come, and and complacency is bloody rude of that, I think.\n\nJust never thought about it. Although, funny as that, the better half and I have been discussing this, obviously, with my with my health issues, she's just a bit worried. Just yeah. It's just a matter of walking in there and going, I need a pair of attorney kit. There's only $25.\n\nCan I have that? And we're done.\n\nChannel 0: Yep. Go home, fill it in, get a witness. Happy days.\n\nChannel 1: Yeah. No. I'll probably I will take that advice on board. That'd be one thing I will take on board\n\nChannel 0: Cool.\n\nChannel 1: because, yeah, you're mad if you don't.\n\nChannel 0: Alright. So last two questions for you. You\n\nChannel 1: Yep.\n\nChannel 0: came out growth on the risk profile, like, half a point above where you currently are on a risk level. Do you wanna aim for slightly more growth in returns than what you're currently getting or keep it at the\n\nChannel 1: Give\n\nChannel 0: same\n\nChannel 1: me\n\nChannel 0: risk\n\nChannel 1: a heads\n\nChannel 0: level?\n\nChannel 1: up. Yeah. No. Let's roll the doors. Let's let's let's roll the doors.\n\nChannel 0: K? So we're gonna go basically from about 75% growth assets to about eighty, eighty five.\n\nChannel 1: Yep.\n\nChannel 0: I'm gonna try and keep it nice, low fee investments for you, steady ship, just direct, buy some shares, buy some property, buy some gold. And that way, you\n\nChannel 1: Yep.\n\nChannel 0: don't have to deal with weird fund managers or fancy schemes or anything out of the ordinary.\n\nChannel 1: Not yet. I'm happy with that. I'm not into all that other stuff. I'm sort of just something's tried and true and proven. You know?\n\nYeah.\n\nChannel 0: Yeah.\n\nChannel 1: You might you might miss out all if we got this return on it. Yeah. You took the gamble and paid it off for you. Good luck to you. I don't sit back\n\nChannel 0: Yeah.\n\nChannel 1: there and go. But I'm not jealous of that shit. I just I'm I'm getting too off that crap. I really am, mate. You know, if some people have been fortunate enough at the high risk level, good luck to them.\n\nMe? Yeah. I'll still live with what I've got.\n\nChannel 0: No. That's perfect. So most of the things that we're doing is we do I'm not gonna throw too much jargon at you, but it's basically ETFs, and they just buy those top 500 companies in The US, top 200 in Australia, gold property. It's just direct to market and just bypass everything. So that way, you basically know directly what assets you're holding.\n\nChannel 1: Yes.\n\nChannel 0: Cool. I'll put that together in plan. We've got you booked in for Tuesday. I'm not gonna recommend anything when it comes to contributions because, obviously, you said you've got the mortgage to finish off, the invested property, and saving in the bank. So I don't think you wanna\n\nChannel 1: Yep.\n\nChannel 0: do a bit of salary sacrifice or anything like that at the moment. That sound about right?\n\nChannel 1: My my goal is to to to plate my buddy bank debts as quick as I can.\n\nChannel 0: The only thing I might do in a few years' time if we get there together is basically you hit 60 if you're still working. You can flip your super over to a transition pension. You pull 10% out, put 10% back in, claim it as a tax deduction. Tax differences goes in and boost up the super a little bit, but it should save you maybe 22¢ on the dollar after 60.\n\nChannel 1: Yeah. See, that's worth that's well worth. And look, that's gotta be worth considering, you know, when you look at the that's what the smart people do with it really.\n\nChannel 0: Yeah. Yeah. And it's a little bit tricky to set up because you gotta open up a pension account, make sure you roll the money out, get it flowing back in. We'll do all the calculations for you, and it's not until you hit 60 anyway. But I'm just gonna put a note down as a future strategy there.\n\nChannel 1: Yep. Alright. Too easy.\n\nChannel 0: Cool. Ivan, any questions for me before I let you go, sir?\n\nChannel 1: No. No. I think you've along with journey with the conversation, you've probably answered everything. You've just as I said, I feel a little bit more comfortable. Not a 100%.\n\nI'm not gonna lie about it. But\n\nChannel 0: I don't think you ever will be until you, like, give it a go and you see some results. And to be honest, whatever happens in the market, if everything goes well, we're gonna look a lot better. If it goes bad, we're gonna look a lot worse. But, look, all I'll do is put together a plan. You make sure you're comfortable, and we'll go from there.\n\nChannel 1: But but but that's the case with with superannuation. I I've seen some hard stories at the moment. Not not a great I don't again, don't take a great deal of notice. But there seems to be issues with the superannuation funds, whether they're being held accountable enough or they're transparent enough with with people I don't know. But it just sort of seems to be even they themselves have got this little bit of a blanks payout over and go, oh, we've got money.\n\nSkip shit for you if this goes fair show. Our CEOs and all that again still get paid well.\n\nChannel 0: Yeah. It's the pointing fingers because when you've got the layers of a super fund, the fund managers that invest your money and the financial advisers that are recommending\n\nChannel 1: So\n\nChannel 0: it and strategizing it, then their licensee who looks after them, you've got four different groups who are all just trying to point fingers at each other because they don't wanna be stiffed up for $200,000,000. You know what I mean?\n\nChannel 1: Yeah. Yeah. Yeah. And that seems to be the problem. It it might a $100 120 grams for them might not be a lot who gives a shit.\n\nIt's my fault. It's kind of superannuation.\n\nChannel 0: Yeah.\n\nChannel 1: So that's how I look at it now. They could blow 10% of everyone's off the top. So sometimes that that 10% between, you know, a good life and a shitty life at retirement. It's it's $12 out of my that's brings me from 120 down to a 108. And I said, shit.\n\nI can't afford to lose much more than that.\n\nChannel 0: Yeah. You're exactly\n\nChannel 1: So\n\nChannel 0: right.\n\nChannel 1: that's how I look at it.\n\nChannel 0: What I'm sort of thinking is if we get it in that sort of growth sector I'm talking about, let's say markets kick back up second half of this year because everything kind of settles down a bit on the news and you get some good growth out of it. We're pretty much gonna spend the next five to seven years together just gradually reducing the risk down from, like, 80%, seventy, sixty, fifty, forty just to\n\nChannel 1: Yep.\n\nChannel 0: make sure that, yeah, you're growing it, but the volatility just lessens and lessens the closer to the point where you need to access it.\n\nChannel 1: So with with your investments, where where does most of it look at? Like, obviously, at the moment and look, I'm a renewable energy fan. Do I believe renewable energy will run a tractor the size of Australia? In my opinion, no. Based\n\nChannel 0: No.\n\nChannel 1: on listening to people that live renewable energy, off grid living and all that shit, whatever. Where do you invest? Like, how do you look at the markets and get we we know that oil at the moment is sort of getting a battery and thinking that not a future. But if a company in Australia said, look, we've just found the biggest fucking oil reserves in Australia, we've got we've got two hundred years of oil reserves to meet the needs of this population of 27,000,000 and drop\n\nChannel 0: Yeah.\n\nChannel 1: price of fuel up at a dollar a liter, or do you look at is it renewable energy? Is it the mining sector for gold and copper? Where do they actually invest?\n\nChannel 0: Alright. Great question. So most of those super funds, they're very, very slow moving ships, and they've distributed their money out to ten, twenty, 30 fund managers across the planet. And they're investing in a little bit of everything, but they're not too heavily leaning in they're not concentrated or high conviction is the words I would use. There's no, we're gonna take a bet on this because it's looking good.\n\nIt's just steady ship steady ship going in one direction. So the what we kind of do that's slightly different is 80% of it's kind of steady ship down the middle, low fees, just, you know, top companies, top properties, top gold, that kind of thing. And then the other ten twenty, we kind of split it out to different sectors. I think we had some clients in battery tech and lithium for some green energy, and they were jumping up sixty, eighty, 90%, but only a small portion of the money goes in there because, again, I can't have your super going from one twenty to 30 and then up to 200. Like, that's just too volatile for you.\n\nDoes that make\n\nChannel 1: Yep.\n\nChannel 0: sense?\n\nChannel 1: It does. So, obviously, it's it's quite well, one would assume another of caution as well. Again, if you look at the well, everyone's look at The Middle East and Iran and The US, and I think there's no something like a hundred and thirty forty different conflicts going on in the world. We're focusing on Buddy One. Like, you know, this is the magic ball stuff, and I suppose it would relate to nearly every investor or every every pun that you're dealing with.\n\nIs how do you determine the the market? Like, if if things really turn to shit in The Middle East, which really they've been like that for the last thirty odd years,\n\nChannel 0: Yeah.\n\nChannel 1: what happens then to the markets? Like, do do you withdraw from the oil sector and go heavily to dip something else? Or is it too late? Or is it because the small proportion also my my in my money is invested in that, you know what, we're gonna have to take a hit from that because we're gonna pick it up somewhere else.\n\nChannel 0: Yeah. You're pretty much getting close to the mark there. When it comes to whether you just take the hit or not, most of what we do I don't wanna use the buzzword long term, but those crises that tend to happen every seven years or so, GFC, .com bubble, nine eleven, COVID, Iran war, all that kind of thing, is for the majority of it, you go law of averages. And you say, okay. If this averages out at double digits, 10% over a hundred years despite there being three wars of pandemic and multiple financial crises, it's pretty reliable to kind of stick the ship as long as you've got the time.\n\nSo, again, 30 year\n\nChannel 1: Yep.\n\nChannel 0: old's got thirty years. No worries. Someone who's 60 and about to retire in twelve months, they can't be waiting five years for it to bounce back. So that's where we need to go a little bit more careful. We don't, I guess, react to the news and go, oh my god.\n\nThis has just crashed. Let's hop out of it and crystallize the loss. But there is a little bit of foresight to say, hey. Inflation is starting to pick up.\n\nChannel 1: Yep.\n\nChannel 0: These sectors and countries seem to be on a bit of a bad trend over the next five, ten years, so we'll just pivot away a little bit and pivot more towards these guys. And it just gets you that extra one or 2%. That's kind of the game changer, if that makes sense. We're not trying\n\nChannel 1: It\n\nChannel 0: to day trade it. We're gonna hop on and go, oh, we're selling you to cash today to avoid the drop, and I'll throw you back in in a week, and you won't lose any money. We can't do that.\n\nChannel 1: does. Yes. No. I get that. That's alright.\n\nLook, I've got I've got a gal with Casperbury. So\n\nChannel 0: No. That's alright, Ivan, mate. I've got everything I need. I'll put together a plan for Tuesday, and we'll talk then.\n\nChannel 1: alright. Alright. 286, sir.\n\nChannel 0: Thanks, Ivan. Talk soon, mate.\n\nChannel 1: Yeah. Say it. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.4399999,"end":1.8399999,"sentiment":"neutral","sentiment_score":0.04308502376079559},{"text":"You've got Tommy?","start":1.8399999,"end":2.74,"sentiment":"neutral","sentiment_score":0.05159945165117582}],"sentiment":"neutral","sentiment_score":0.04947084467858076,"channel":0,"num_words":4,"start":1.4399999,"end":2.74},{"sentences":[{"text":"Hey, mate.","start":3.12,"end":3.6,"sentiment":"neutral","sentiment_score":0.14065834879875183},{"text":"Fabian.","start":3.6,"end":4.08,"sentiment":"neutral","sentiment_score":0.18182925879955292},{"text":"How are you?","start":4.08,"end":4.9,"sentiment":"neutral","sentiment_score":0.18037151296933493}],"sentiment":"neutral","sentiment_score":0.16737674921751022,"channel":1,"num_words":6,"start":3.12,"end":4.9},{"sentences":[{"text":"Yeah.","start":4.88,"end":5.2799997,"sentiment":"positive","sentiment_score":0.34390896558761597},{"text":"Fantastic, dude.","start":5.2799997,"end":6.08,"sentiment":"positive","sentiment_score":0.709884375333786},{"text":"How are you doing?","start":6.08,"end":6.98,"sentiment":"positive","sentiment_score":0.4161091595888138}],"sentiment":"positive","sentiment_score":0.48973062208720614,"channel":0,"num_words":7,"start":4.88,"end":6.98},{"sentences":[{"text":"Yeah.","start":7.2,"end":7.52,"sentiment":"neutral","sentiment_score":0.2322213053703308},{"text":"Good, man.","start":7.52,"end":8.26,"sentiment":"positive","sentiment_score":0.40716151893138885},{"text":"So he is at work, so I said we'll try and run through it as quick as we can.","start":8.96,"end":12.975,"sentiment":"neutral","sentiment_score":0.19016367824454056}],"sentiment":"neutral","sentiment_score":0.21180246499451724,"channel":1,"num_words":22,"start":7.2,"end":12.975},{"sentences":[{"text":"Oh, classic.","start":14.015,"end":14.835,"sentiment":"neutral","sentiment_score":0.09300215914845467}],"sentiment":"neutral","sentiment_score":0.09300215914845467,"channel":0,"num_words":2,"start":14.015,"end":14.835},{"sentences":[{"text":"Booked booked in for Tuesday at 04:30.","start":15.055,"end":18.355,"sentiment":"neutral","sentiment_score":0.05743050096290452},{"text":"For him, it's just it needs to make sense.","start":19.295,"end":21.795,"sentiment":"neutral","sentiment_score":-0.011828516920407614},{"text":"He's like, I've burned $5 out of my suit for, like, twelve years ago and didn't really get it back.","start":22.095001,"end":28.02,"sentiment":"neutral","sentiment_score":-0.2038951739668846},{"text":"Like, I","start":28.58,"end":28.9,"sentiment":"neutral","sentiment_score":-0.08830947428941727}],"sentiment":"neutral","sentiment_score":-0.10418330456473325,"channel":1,"num_words":38,"start":15.055,"end":28.9},{"sentences":[{"text":"Yeah.","start":28.75,"end":29.25,"sentiment":"neutral","sentiment_score":-0.09241590648889542}],"sentiment":"neutral","sentiment_score":-0.09241590648889542,"channel":0,"num_words":1,"start":28.75,"end":29.25},{"sentences":[{"text":"don't really have any questions for me.","start":28.9,"end":30.5,"sentiment":"neutral","sentiment_score":-0.20524062429155623},{"text":"It's just gonna be whether it makes financial sense.","start":30.5,"end":32.920002,"sentiment":"neutral","sentiment_score":-0.06890301985873117},{"text":"I said, well, really, for you, you just need to do some homework for me over the weekends and just check out if you'll know who you're actually dealing with.","start":33.06,"end":40.98,"sentiment":"neutral","sentiment_score":-0.06682228470842043},{"text":"It doesn't matter how good the results look on paper.","start":40.98,"end":42.975,"sentiment":"neutral","sentiment_score":-0.23408210128545762},{"text":"If you don't trust the company, well, then you're never gonna go ahead with it.","start":42.975,"end":46.254997,"sentiment":"negative","sentiment_score":-0.3895678659280141}],"sentiment":"neutral","sentiment_score":-0.17247632523657572,"channel":1,"num_words":71,"start":28.9,"end":46.254997},{"sentences":[{"text":"Like, yeah.","start":46.254997,"end":46.655,"sentiment":"neutral","sentiment_score":-0.07269502058625221},{"text":"That's","start":46.655,"end":46.895,"sentiment":"neutral","sentiment_score":0.021918218582868576}],"sentiment":"neutral","sentiment_score":-0.04115727419654528,"channel":1,"num_words":3,"start":46.254997,"end":46.895},{"sentences":[{"text":"Yeah.","start":46.844997,"end":47.344997,"sentiment":"neutral","sentiment_score":0.06047193706035614}],"sentiment":"neutral","sentiment_score":0.06047193706035614,"channel":0,"num_words":1,"start":46.844997,"end":47.344997},{"sentences":[{"text":"fair.","start":46.895,"end":47.395,"sentiment":"neutral","sentiment_score":0.10402306169271468}],"sentiment":"neutral","sentiment_score":0.10402306169271468,"channel":1,"num_words":1,"start":46.895,"end":47.395},{"sentences":[{"text":"Awesome.","start":47.964996,"end":48.464996,"sentiment":"neutral","sentiment_score":0.2876736521720886},{"text":"No.","start":48.604996,"end":48.765,"sentiment":"neutral","sentiment_score":0.045392535626888275},{"text":"That's you've","start":48.765,"end":49.405,"sentiment":"neutral","sentiment_score":0.07819596119225025}],"sentiment":"neutral","sentiment_score":0.12236452754586935,"channel":0,"num_words":4,"start":47.964996,"end":49.405},{"sentences":[{"text":"Cool.","start":49.215,"end":49.715,"sentiment":"neutral","sentiment_score":0.20321716368198395}],"sentiment":"neutral","sentiment_score":0.20321716368198395,"channel":1,"num_words":1,"start":49.215,"end":49.715},{"sentences":[{"text":"touched it really well, man.","start":49.405,"end":50.524998,"sentiment":"positive","sentiment_score":0.34801713228225706},{"text":"Awesome.","start":50.524998,"end":51.024998,"sentiment":"positive","sentiment_score":0.541853129863739}],"sentiment":"positive","sentiment_score":0.3803231318791707,"channel":0,"num_words":6,"start":49.405,"end":51.024998},{"sentences":[{"text":"Great.","start":51.535,"end":51.855,"sentiment":"positive","sentiment_score":0.5377655625343323},{"text":"Alright.","start":51.855,"end":52.254997,"sentiment":"neutral","sentiment_score":0.27379515767097473},{"text":"Let me bring him in into the call for you.","start":52.254997,"end":54.835,"sentiment":"neutral","sentiment_score":0.22250061258673667}],"sentiment":"neutral","sentiment_score":0.2530472371727228,"channel":1,"num_words":12,"start":51.535,"end":54.835},{"sentences":[{"text":"Yeah.","start":54.75,"end":54.99,"sentiment":"neutral","sentiment_score":0.2201791405677795},{"text":"Thanks so much, Ram.","start":54.99,"end":56.13,"sentiment":"positive","sentiment_score":0.5720429569482803}],"sentiment":"positive","sentiment_score":0.5016701936721801,"channel":0,"num_words":5,"start":54.75,"end":56.13},{"sentences":[{"text":"Cheers, mate.","start":56.43,"end":57.41,"sentiment":"positive","sentiment_score":0.4671676754951477},{"text":"Thanks for holding, mate.","start":61.55,"end":62.83,"sentiment":"positive","sentiment_score":0.45255137234926224},{"text":"So I've got Tommy on the line.","start":62.83,"end":64.43,"sentiment":"neutral","sentiment_score":0.21815574382032668},{"text":"I did mention to him that you're you're at work.","start":64.43,"end":66.91,"sentiment":"neutral","sentiment_score":0.12471741139888763},{"text":"So he'll run through what he needs to, but he will try and keep it as short and sweet as possible for you.","start":66.91,"end":71.97,"sentiment":"neutral","sentiment_score":0.25375262939411664}],"sentiment":"neutral","sentiment_score":0.24685033993876498,"channel":1,"num_words":46,"start":56.43,"end":71.97},{"sentences":[{"text":"Alright.","start":72.235,"end":72.314995,"sentiment":"neutral","sentiment_score":0.3232831358909607},{"text":"That'd be great.","start":72.314995,"end":73.055,"sentiment":"positive","sentiment_score":0.558722456296285},{"text":"Legend.","start":73.435,"end":73.91499,"sentiment":"neutral","sentiment_score":0.27026990056037903},{"text":"Alright, mate.","start":73.91499,"end":74.314995,"sentiment":"neutral","sentiment_score":0.25393735617399216},{"text":"You have a good afternoon.","start":74.314995,"end":75.195,"sentiment":"positive","sentiment_score":0.39585923552513125}],"sentiment":"positive","sentiment_score":0.3964076079428196,"channel":1,"num_words":12,"start":72.235,"end":75.195},{"sentences":[{"text":"I'll speak to you on Tuesday.","start":75.195,"end":76.41499,"sentiment":"neutral","sentiment_score":0.19426089276870093},{"text":"No worries then.","start":76.715,"end":77.435,"sentiment":"neutral","sentiment_score":0.1421686957279841},{"text":"See you then.","start":77.435,"end":78.075,"sentiment":"neutral","sentiment_score":0.1936898281176885},{"text":"Cheers.","start":78.075,"end":78.555,"sentiment":"neutral","sentiment_score":0.3170540928840637},{"text":"Bye.","start":78.555,"end":79.055,"sentiment":"neutral","sentiment_score":0.18770115077495575}],"sentiment":"neutral","sentiment_score":0.19127829798630305,"channel":1,"num_words":14,"start":75.195,"end":79.055},{"sentences":[{"text":"Bye.","start":79.435,"end":79.935,"sentiment":"neutral","sentiment_score":0.17073693871498108}],"sentiment":"neutral","sentiment_score":0.17073693871498108,"channel":1,"num_words":1,"start":79.435,"end":79.935},{"sentences":[{"text":"Good day, Ivan.","start":79.58,"end":80.3,"sentiment":"neutral","sentiment_score":0.30610541502634686},{"text":"It's Tommy here, senior adviser from Oakview, mate.","start":80.3,"end":82.78,"sentiment":"neutral","sentiment_score":0.2002709712833166},{"text":"Thank you for spending a few minutes with me today.","start":82.78,"end":84.96,"sentiment":"positive","sentiment_score":0.5816849499940873}],"sentiment":"positive","sentiment_score":0.39701588168030694,"channel":0,"num_words":21,"start":79.58,"end":84.96},{"sentences":[{"text":"Too easy, man.","start":86.369995,"end":87.17,"sentiment":"neutral","sentiment_score":-0.04173263410727183},{"text":"Too easy.","start":87.17,"end":87.909996,"sentiment":"neutral","sentiment_score":-0.09915539063513279}],"sentiment":"neutral","sentiment_score":-0.06470173671841621,"channel":1,"num_words":5,"start":86.369995,"end":87.909996},{"sentences":[{"text":"With being at work, I'm going to just touch on basically four quick points with you just to make sure I 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Dan?","start":205.555,"end":206.19499,"sentiment":"neutral","sentiment_score":0.17602747678756714},{"text":"So I'll keep it nice and simple.","start":206.19499,"end":207.635,"sentiment":"positive","sentiment_score":0.4169506217752184},{"text":"There's only those two options, so I'll try and investigate that for you and get you the best outcome I can.","start":207.635,"end":212.49,"sentiment":"positive","sentiment_score":0.34405760892799925},{"text":"When it comes to the super, obviously, you said you had a bit of an experience twelve years ago with an adviser.","start":213.53,"end":219.23001,"sentiment":"neutral","sentiment_score":-0.019968456419354134},{"text":"Did you end up having, like, performance issues, lack of contact?","start":219.61,"end":223.77,"sentiment":"neutral","sentiment_score":-0.09368700872768056}],"sentiment":"neutral","sentiment_score":0.1437825536413584,"channel":0,"num_words":64,"start":205.555,"end":223.77},{"sentences":[{"text":"Like, can you just briefly walk me through kind of what happened?","start":223.77,"end":226.43001,"sentiment":"neutral","sentiment_score":-0.04234622077395519}],"sentiment":"neutral","sentiment_score":-0.04234622077395519,"channel":0,"num_words":12,"start":223.77,"end":226.43001},{"sentences":[{"text":"It was it was all all smoke and mirrors on the outside, and I really just didn't feel happy with what was going on.","start":227.675,"end":234.19,"sentiment":"negative","sentiment_score":-0.4577022964755694}],"sentiment":"negative","sentiment_score":-0.4577022964755694,"channel":1,"num_words":24,"start":227.675,"end":234.19},{"sentences":[{"text":"Yep.","start":234.645,"end":235.145,"sentiment":"neutral","sentiment_score":-0.1538287103176117}],"sentiment":"neutral","sentiment_score":-0.1538287103176117,"channel":0,"num_words":1,"start":234.645,"end":235.145},{"sentences":[{"text":"And chewed up $5 in fees, and I it just it never went anywhere.","start":234.73,"end":240.09,"sentiment":"negative","sentiment_score":-0.37117705813476015},{"text":"It it was stagnant.","start":240.09,"end":241.15,"sentiment":"negative","sentiment_score":-0.4446955695748329},{"text":"It was just it was like, thanks very much.","start":241.21,"end":243.825,"sentiment":"neutral","sentiment_score":-0.2471675839689043},{"text":"We've got your money in our bank account.","start":243.825,"end":245.665,"sentiment":"neutral","sentiment_score":-0.06312266364693642},{"text":"Great.","start":245.665,"end":245.905,"sentiment":"neutral","sentiment_score":0.24402129650115967}],"sentiment":"neutral","sentiment_score":-0.2627980377939012,"channel":1,"num_words":36,"start":234.73,"end":245.905},{"sentences":[{"text":"We're promising.","start":245.905,"end":246.545,"sentiment":"neutral","sentiment_score":0.1525379791855812},{"text":"And I'm super annoyed until it's still protected, but it just didn't went 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bad.","start":261.44,"end":265.06,"sentiment":"neutral","sentiment_score":-0.1406167589805343}],"sentiment":"neutral","sentiment_score":-0.1388146881873791,"channel":1,"num_words":65,"start":245.905,"end":265.06},{"sentences":[{"text":"Yeah.","start":265.88998,"end":266.38998,"sentiment":"neutral","sentiment_score":-0.06845192611217499}],"sentiment":"neutral","sentiment_score":-0.06845192611217499,"channel":0,"num_words":1,"start":265.88998,"end":266.38998},{"sentences":[{"text":"So sometimes it's just like and to me, it's a little let it let it forget it because I can't touch it till I'm 67.","start":267.85498,"end":275.47498,"sentiment":"neutral","sentiment_score":-0.11117266446352005}],"sentiment":"neutral","sentiment_score":-0.11117266446352005,"channel":1,"num_words":25,"start":267.85498,"end":275.47498},{"sentences":[{"text":"Well, 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$7.50 to a million dollars if they're lucky.","start":485.325,"end":491.745,"sentiment":"neutral","sentiment_score":0.2075789712369442},{"text":"And","start":492.41998,"end":492.66,"sentiment":"neutral","sentiment_score":0.07916872948408127}],"sentiment":"neutral","sentiment_score":0.15061302839054003,"channel":1,"num_words":45,"start":478.285,"end":492.66},{"sentences":[{"text":"Yeah.","start":492.635,"end":493.135,"sentiment":"neutral","sentiment_score":0.056919023394584656}],"sentiment":"neutral","sentiment_score":0.056919023394584656,"channel":0,"num_words":1,"start":492.635,"end":493.135},{"sentences":[{"text":"and I just think that superannuation wasn't a big thing when I started.","start":492.66,"end":495.94,"sentiment":"neutral","sentiment_score":-0.01924253563181712},{"text":"It was, you know, seven, eight years of age.","start":495.94,"end":498.12,"sentiment":"neutral","sentiment_score":-0.026961480784747336},{"text":"Takes me back to 8087, 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yet.","start":1278.6951,"end":1279.175,"sentiment":"neutral","sentiment_score":-0.23044805228710175},{"text":"I'm happy with that.","start":1279.175,"end":1279.975,"sentiment":"neutral","sentiment_score":-0.18741076812148094},{"text":"I'm not into all that other stuff.","start":1279.975,"end":1281.335,"sentiment":"neutral","sentiment_score":-0.0707640243428094},{"text":"I'm sort of just something's tried and true and proven.","start":1281.335,"end":1285.115,"sentiment":"neutral","sentiment_score":0.1436762198805809},{"text":"You know?","start":1286.08,"end":1286.48,"sentiment":"neutral","sentiment_score":0.022909538820385933}],"sentiment":"neutral","sentiment_score":-0.008932242840528489,"channel":1,"num_words":25,"start":1278.6951,"end":1286.48},{"sentences":[{"text":"Yeah.","start":1286.48,"end":1286.7999,"sentiment":"neutral","sentiment_score":0.07931733876466751}],"sentiment":"neutral","sentiment_score":0.07931733876466751,"channel":1,"num_words":1,"start":1286.48,"end":1286.7999},{"sentences":[{"text":"Yeah.","start":1286.605,"end":1287.105,"sentiment":"neutral","sentiment_score":0.1009604036808014}],"sentiment":"neutral","sentiment_score":0.1009604036808014,"channel":0,"num_words":1,"start":1286.605,"end":1287.105},{"sentences":[{"text":"You might you might miss out all if we got this return on it.","start":1286.7999,"end":1290.32,"sentiment":"neutral","sentiment_score":0.05104326962360314},{"text":"Yeah.","start":1290.32,"end":1290.5599,"sentiment":"neutral","sentiment_score":0.15036210417747498},{"text":"You took the gamble and paid it off for you.","start":1290.5599,"end":1292.1599,"sentiment":"positive","sentiment_score":0.3591490790247917},{"text":"Good luck to you.","start":1292.1599,"end":1293.12,"sentiment":"positive","sentiment_score":0.41405489295721054},{"text":"I don't sit back","start":1293.12,"end":1294.0,"sentiment":"neutral","sentiment_score":-0.1903618946671486}],"sentiment":"neutral","sentiment_score":0.1621585049186692,"channel":1,"num_words":33,"start":1286.7999,"end":1294.0},{"sentences":[{"text":"Yeah.","start":1293.82,"end":1294.32,"sentiment":"neutral","sentiment_score":-0.11084331572055817}],"sentiment":"neutral","sentiment_score":-0.11084331572055817,"channel":0,"num_words":1,"start":1293.82,"end":1294.32},{"sentences":[{"text":"there and go.","start":1294.0,"end":1294.82,"sentiment":"neutral","sentiment_score":-0.07822916160027187},{"text":"But I'm not jealous of that shit.","start":1295.5199,"end":1297.12,"sentiment":"negative","sentiment_score":-0.4108358089412962},{"text":"I just I'm I'm getting too off that crap.","start":1297.12,"end":1300.2849,"sentiment":"negative","sentiment_score":-0.475287096367942},{"text":"I really am, mate.","start":1300.2849,"end":1301.085,"sentiment":"neutral","sentiment_score":-0.10422995686531067},{"text":"You know, if some people have been fortunate enough at the high risk level, good luck to them.","start":1301.085,"end":1306.705,"sentiment":"neutral","sentiment_score":0.13299518078565598}],"sentiment":"neutral","sentiment_score":-0.13197874604928783,"channel":1,"num_words":41,"start":1294.0,"end":1306.705},{"sentences":[{"text":"Me?","start":1307.965,"end":1308.465,"sentiment":"neutral","sentiment_score":0.1229960322380066},{"text":"Yeah.","start":1308.5249,"end":1308.845,"sentiment":"neutral","sentiment_score":0.1360367387533188},{"text":"I'll still live with what I've got.","start":1308.845,"end":1310.625,"sentiment":"neutral","sentiment_score":0.15676927460091455}],"sentiment":"neutral","sentiment_score":0.15071307702196968,"channel":1,"num_words":9,"start":1307.965,"end":1310.625},{"sentences":[{"text":"No.","start":1312.235,"end":1312.5549,"sentiment":"neutral","sentiment_score":-0.008634895086288452},{"text":"That's perfect.","start":1312.5549,"end":1313.355,"sentiment":"neutral","sentiment_score":0.17264685779809952},{"text":"So most of the things that we're doing is we do I'm not gonna throw too much jargon at you, but it's basically ETFs, and they just buy those top 500 companies in The US, top 200 in Australia, gold property.","start":1313.355,"end":1325.97,"sentiment":"neutral","sentiment_score":0.16543564078875067},{"text":"It's just direct to market and just bypass everything.","start":1325.97,"end":1329.0299,"sentiment":"neutral","sentiment_score":0.2042002495792177},{"text":"So that way, you basically know directly what assets you're holding.","start":1329.09,"end":1332.405,"sentiment":"neutral","sentiment_score":0.14030615985393524}],"sentiment":"neutral","sentiment_score":0.16407328277273336,"channel":0,"num_words":64,"start":1312.235,"end":1332.405},{"sentences":[{"text":"Yes.","start":1333.1649,"end":1333.6649,"sentiment":"neutral","sentiment_score":0.1863020807504654}],"sentiment":"neutral","sentiment_score":0.1863020807504654,"channel":1,"num_words":1,"start":1333.1649,"end":1333.6649},{"sentences":[{"text":"Cool.","start":1334.725,"end":1335.225,"sentiment":"neutral","sentiment_score":0.3180634677410126},{"text":"I'll put that together in plan.","start":1336.005,"end":1337.525,"sentiment":"neutral","sentiment_score":0.3239705314238866},{"text":"We've got you booked in for Tuesday.","start":1337.525,"end":1339.225,"sentiment":"neutral","sentiment_score":0.2069201661007745},{"text":"I'm not gonna recommend anything when it comes to contributions because, obviously, you said you've got the mortgage to finish off, the invested property, and saving in the bank.","start":1340.245,"end":1347.605,"sentiment":"neutral","sentiment_score":-0.0442905876913975},{"text":"So I don't think you wanna","start":1347.605,"end":1348.52,"sentiment":"neutral","sentiment_score":-0.09045455232262611}],"sentiment":"neutral","sentiment_score":0.03843211146945856,"channel":0,"num_words":49,"start":1334.725,"end":1348.52},{"sentences":[{"text":"Yep.","start":1348.5,"end":1349.0,"sentiment":"neutral","sentiment_score":-0.0884598046541214}],"sentiment":"neutral","sentiment_score":-0.0884598046541214,"channel":1,"num_words":1,"start":1348.5,"end":1349.0},{"sentences":[{"text":"do a bit of salary sacrifice or anything like that at the moment.","start":1348.52,"end":1351.0,"sentiment":"neutral","sentiment_score":-0.1710991865167251},{"text":"That sound about right?","start":1351.0,"end":1352.22,"sentiment":"neutral","sentiment_score":0.044822992756962776}],"sentiment":"neutral","sentiment_score":-0.12029396786409266,"channel":0,"num_words":17,"start":1348.52,"end":1352.22},{"sentences":[{"text":"My my goal is to to to plate my buddy bank debts as quick as I can.","start":1352.975,"end":1358.595,"sentiment":"neutral","sentiment_score":0.2755144724951071}],"sentiment":"neutral","sentiment_score":0.2755144724951071,"channel":1,"num_words":17,"start":1352.975,"end":1358.595},{"sentences":[{"text":"The only thing I might do in a few years' time if we get there together is basically you hit 60 if you're still working.","start":1359.32,"end":1365.8049,"sentiment":"neutral","sentiment_score":0.09128377716988326},{"text":"You can flip your super over to a transition pension.","start":1366.1849,"end":1369.385,"sentiment":"positive","sentiment_score":0.40453181266784666},{"text":"You pull 10% out, put 10% back in, claim it as a tax deduction.","start":1369.385,"end":1373.965,"sentiment":"positive","sentiment_score":0.3762239579643522},{"text":"Tax differences goes in and boost up the super a little bit, but it should save you maybe 22¢ on the dollar after 60.","start":1374.6649,"end":1381.66,"sentiment":"positive","sentiment_score":0.4975849221581998}],"sentiment":"neutral","sentiment_score":0.31998612745923716,"channel":0,"num_words":73,"start":1359.32,"end":1381.66},{"sentences":[{"text":"Yeah.","start":1382.115,"end":1382.615,"sentiment":"positive","sentiment_score":0.5186039209365845},{"text":"See, that's worth that's well worth.","start":1383.5549,"end":1385.235,"sentiment":"positive","sentiment_score":0.6935028930505117},{"text":"And look, that's gotta be worth considering, you know, when you look at the that's what the smart people do with it really.","start":1385.235,"end":1391.575,"sentiment":"positive","sentiment_score":0.5031554504581119}],"sentiment":"positive","sentiment_score":0.541739887992541,"channel":1,"num_words":30,"start":1382.115,"end":1391.575},{"sentences":[{"text":"Yeah.","start":1392.135,"end":1392.535,"sentiment":"neutral","sentiment_score":0.16982194781303406},{"text":"Yeah.","start":1392.535,"end":1393.035,"sentiment":"neutral","sentiment_score":0.1701747179031372},{"text":"And it's a little bit tricky to set up because you gotta open up a pension account, make sure you roll the money out, get it flowing back in.","start":1393.095,"end":1399.515,"sentiment":"neutral","sentiment_score":0.08927731382949598},{"text":"We'll do all the calculations for you, and it's not until you hit 60 anyway.","start":1399.655,"end":1403.115,"sentiment":"neutral","sentiment_score":0.09628183667858442},{"text":"But I'm just gonna put a note down as a future strategy there.","start":1403.38,"end":1407.32,"sentiment":"neutral","sentiment_score":0.13574064465669486}],"sentiment":"neutral","sentiment_score":0.10403211351673482,"channel":0,"num_words":59,"start":1392.135,"end":1407.32},{"sentences":[{"text":"Yep.","start":1407.9601,"end":1408.28,"sentiment":"neutral","sentiment_score":0.21073035895824432},{"text":"Alright.","start":1408.28,"end":1408.78,"sentiment":"neutral","sentiment_score":0.28186917304992676},{"text":"Too easy.","start":1408.8401,"end":1409.5801,"sentiment":"neutral","sentiment_score":0.3073352575302124}],"sentiment":"neutral","sentiment_score":0.27681751176714897,"channel":1,"num_words":4,"start":1407.9601,"end":1409.5801},{"sentences":[{"text":"Cool.","start":1410.4199,"end":1410.9199,"sentiment":"positive","sentiment_score":0.4548388123512268},{"text":"Ivan, any questions for me before I let you go, sir?","start":1411.0599,"end":1413.48,"sentiment":"neutral","sentiment_score":0.13189628381620755}],"sentiment":"neutral","sentiment_score":0.1588081611941258,"channel":0,"num_words":12,"start":1410.4199,"end":1413.48},{"sentences":[{"text":"No.","start":1413.835,"end":1413.995,"sentiment":"neutral","sentiment_score":-0.0734439492225647},{"text":"No.","start":1413.995,"end":1414.235,"sentiment":"neutral","sentiment_score":-0.08590692281723022},{"text":"I think you've along with journey with the conversation, you've probably answered everything.","start":1414.235,"end":1418.875,"sentiment":"neutral","sentiment_score":0.0638160717028838},{"text":"You've just as I said, I feel a little bit more comfortable.","start":1418.875,"end":1422.095,"sentiment":"neutral","sentiment_score":0.1704701315611601},{"text":"Not a 100%.","start":1422.4099,"end":1423.2899,"sentiment":"neutral","sentiment_score":-0.10209494829177856}],"sentiment":"neutral","sentiment_score":0.08032049313187599,"channel":1,"num_words":30,"start":1413.835,"end":1423.2899},{"sentences":[{"text":"I'm not gonna lie about it.","start":1423.2899,"end":1424.6699,"sentiment":"neutral","sentiment_score":0.03989767904082934},{"text":"But","start":1424.89,"end":1425.39,"sentiment":"neutral","sentiment_score":0.08304555714130402}],"sentiment":"neutral","sentiment_score":0.04606166162661144,"channel":1,"num_words":7,"start":1423.2899,"end":1425.39},{"sentences":[{"text":"I don't think you ever will be until you, like, give it a go and you see some results.","start":1425.075,"end":1428.835,"sentiment":"neutral","sentiment_score":0.12174079684834731},{"text":"And to be honest, whatever happens in the market, if everything goes well, we're gonna look a lot better.","start":1428.835,"end":1434.04,"sentiment":"neutral","sentiment_score":0.1411700064414426},{"text":"If it goes bad, we're gonna look a lot worse.","start":1434.04,"end":1436.14,"sentiment":"negative","sentiment_score":-0.3600965887308121},{"text":"But, look, all I'll do is put together a plan.","start":1436.28,"end":1438.92,"sentiment":"neutral","sentiment_score":0.22507909461855888},{"text":"You make sure you're comfortable, and we'll go from there.","start":1438.92,"end":1441.66,"sentiment":"neutral","sentiment_score":0.26694370061159134}],"sentiment":"neutral","sentiment_score":0.0928612842279322,"channel":0,"num_words":68,"start":1425.075,"end":1441.66},{"sentences":[{"text":"But but but that's the case with with superannuation.","start":1442.345,"end":1444.605,"sentiment":"neutral","sentiment_score":-0.10764399957325724},{"text":"I I've seen some hard stories at the moment.","start":1444.905,"end":1447.485,"sentiment":"negative","sentiment_score":-0.4332905345492893},{"text":"Not not a great I don't again, don't take a great deal of notice.","start":1447.9601,"end":1451.1001,"sentiment":"negative","sentiment_score":-0.40816129531179157},{"text":"But there seems to be issues with the superannuation funds, whether they're being held accountable enough or they're transparent enough with with people I don't know.","start":1451.3201,"end":1461.0149,"sentiment":"negative","sentiment_score":-0.4205099516190015},{"text":"But it just sort of seems to be even they themselves have got this little bit of a blanks payout over and go, oh, we've got money.","start":1461.0149,"end":1467.595,"sentiment":"neutral","sentiment_score":-0.2926504669917954}],"sentiment":"negative","sentiment_score":-0.346088121086359,"channel":1,"num_words":85,"start":1442.345,"end":1467.595},{"sentences":[{"text":"Skip shit for you if this goes fair show.","start":1467.975,"end":1470.1549,"sentiment":"negative","sentiment_score":-0.5165200895733304},{"text":"Our CEOs and all that again still get paid well.","start":1470.215,"end":1472.875,"sentiment":"neutral","sentiment_score":0.024851936846971512}],"sentiment":"neutral","sentiment_score":-0.23158744408896095,"channel":1,"num_words":19,"start":1467.975,"end":1472.875},{"sentences":[{"text":"Yeah.","start":1473.365,"end":1473.865,"sentiment":"neutral","sentiment_score":-0.042314499616622925},{"text":"It's the pointing fingers because when you've got the layers of a super fund, the fund managers that invest your money and the financial advisers that are recommending","start":1474.005,"end":1482.6,"sentiment":"neutral","sentiment_score":-0.03223853558301926}],"sentiment":"neutral","sentiment_score":-0.03258598261866076,"channel":0,"num_words":29,"start":1473.365,"end":1482.6},{"sentences":[{"text":"So","start":1482.44,"end":1482.52,"sentiment":"neutral","sentiment_score":-0.023646708577871323}],"sentiment":"neutral","sentiment_score":-0.023646708577871323,"channel":1,"num_words":1,"start":1482.44,"end":1482.52},{"sentences":[{"text":"it and strategizing it, then their licensee who looks after them, you've got four different groups who are all just trying to point fingers at each other because they don't wanna be stiffed up for $200,000,000.","start":1482.6,"end":1494.14,"sentiment":"neutral","sentiment_score":-0.13658804648245373},{"text":"You know what I mean?","start":1494.355,"end":1495.8949,"sentiment":"neutral","sentiment_score":-0.10319981575012208}],"sentiment":"neutral","sentiment_score":-0.13251631102729133,"channel":0,"num_words":41,"start":1482.6,"end":1495.8949},{"sentences":[{"text":"Yeah.","start":1495.575,"end":1495.815,"sentiment":"neutral","sentiment_score":-0.09764429926872252},{"text":"Yeah.","start":1495.815,"end":1496.315,"sentiment":"neutral","sentiment_score":-0.09579066932201384},{"text":"Yeah.","start":1497.015,"end":1497.095,"sentiment":"neutral","sentiment_score":-0.14225929975509644},{"text":"And that seems to be the problem.","start":1497.095,"end":1498.695,"sentiment":"negative","sentiment_score":-0.3433518963200705},{"text":"It it might a $100 120 grams for them might not be a lot who gives a shit.","start":1498.695,"end":1504.17,"sentiment":"negative","sentiment_score":-0.4431896507740021}],"sentiment":"negative","sentiment_score":-0.38273468773279873,"channel":1,"num_words":28,"start":1495.575,"end":1504.17},{"sentences":[{"text":"It's my fault.","start":1504.25,"end":1504.9701,"sentiment":"negative","sentiment_score":-0.6496821244557699},{"text":"It's kind of superannuation.","start":1504.9701,"end":1505.87,"sentiment":"negative","sentiment_score":-0.5130099654197693}],"sentiment":"negative","sentiment_score":-0.5715837478637695,"channel":1,"num_words":7,"start":1504.25,"end":1505.87},{"sentences":[{"text":"Yeah.","start":1507.09,"end":1507.59,"sentiment":"neutral","sentiment_score":-0.17339180409908295}],"sentiment":"neutral","sentiment_score":-0.17339180409908295,"channel":0,"num_words":1,"start":1507.09,"end":1507.59},{"sentences":[{"text":"So that's how I look at it now.","start":1507.4501,"end":1509.13,"sentiment":"neutral","sentiment_score":-0.11520435009151697},{"text":"They could blow 10% of everyone's off the top.","start":1509.13,"end":1511.77,"sentiment":"neutral","sentiment_score":-0.2905895544422997},{"text":"So sometimes that that 10% between, you know, a good life and a shitty life at retirement.","start":1511.77,"end":1519.205,"sentiment":"neutral","sentiment_score":-0.174888633629855},{"text":"It's it's $12 out of my that's brings me from 120 down to a 108.","start":1521.025,"end":1525.025,"sentiment":"neutral","sentiment_score":-0.17854962050914763},{"text":"And I said, shit.","start":1525.025,"end":1525.585,"sentiment":"negative","sentiment_score":-0.41199496388435364}],"sentiment":"neutral","sentiment_score":-0.20445795708669806,"channel":1,"num_words":53,"start":1507.4501,"end":1525.585},{"sentences":[{"text":"I can't afford to lose much more than that.","start":1525.585,"end":1527.6849,"sentiment":"negative","sentiment_score":-0.6129012902577718}],"sentiment":"negative","sentiment_score":-0.6129012902577718,"channel":1,"num_words":9,"start":1525.585,"end":1527.6849},{"sentences":[{"text":"Yeah.","start":1528.145,"end":1528.465,"sentiment":"neutral","sentiment_score":-0.019220231100916862},{"text":"You're exactly","start":1528.465,"end":1529.125,"sentiment":"neutral","sentiment_score":0.02017326094210148}],"sentiment":"neutral","sentiment_score":0.0070420969277620316,"channel":0,"num_words":3,"start":1528.145,"end":1529.125},{"sentences":[{"text":"So","start":1528.785,"end":1529.285,"sentiment":"neutral","sentiment_score":0.06095132231712341}],"sentiment":"neutral","sentiment_score":0.06095132231712341,"channel":1,"num_words":1,"start":1528.785,"end":1529.285},{"sentences":[{"text":"right.","start":1529.1849,"end":1529.6849,"sentiment":"neutral","sentiment_score":0.09781211614608765}],"sentiment":"neutral","sentiment_score":0.09781211614608765,"channel":0,"num_words":1,"start":1529.1849,"end":1529.6849},{"sentences":[{"text":"that's how I look at it.","start":1531.025,"end":1532.405,"sentiment":"neutral","sentiment_score":0.05241467493275801}],"sentiment":"neutral","sentiment_score":0.05241467493275801,"channel":1,"num_words":6,"start":1531.025,"end":1532.405},{"sentences":[{"text":"What I'm sort of thinking is if we get it in that sort of growth sector I'm talking about, let's say markets kick back up second half of this year because everything kind of settles down a bit on the news and you get some good growth out of it.","start":1533.84,"end":1547.4451,"sentiment":"neutral","sentiment_score":0.2032516685128212},{"text":"We're pretty much gonna spend the next five to seven years together just gradually reducing the risk down from, like, 80%, seventy, sixty, fifty, forty just to","start":1547.4451,"end":1556.405,"sentiment":"neutral","sentiment_score":0.21507484327863763}],"sentiment":"neutral","sentiment_score":0.20739745706706852,"channel":0,"num_words":77,"start":1533.84,"end":1556.405},{"sentences":[{"text":"Yep.","start":1556.375,"end":1556.875,"sentiment":"neutral","sentiment_score":0.09194386005401611}],"sentiment":"neutral","sentiment_score":0.09194386005401611,"channel":1,"num_words":1,"start":1556.375,"end":1556.875},{"sentences":[{"text":"make sure that, yeah, you're growing it, but the volatility just lessens and lessens the closer to the point where you need to access it.","start":1556.405,"end":1562.89,"sentiment":"neutral","sentiment_score":0.013610484302043915}],"sentiment":"neutral","sentiment_score":0.013610484302043915,"channel":0,"num_words":25,"start":1556.405,"end":1562.89},{"sentences":[{"text":"So with with your investments, where where does most of it look at?","start":1563.54,"end":1569.46,"sentiment":"neutral","sentiment_score":0.010142145141099509},{"text":"Like, obviously, at the moment and look, I'm a renewable energy fan.","start":1569.46,"end":1576.8151,"sentiment":"neutral","sentiment_score":0.07994450038919847},{"text":"Do I believe renewable energy will run a tractor the size of Australia?","start":1577.115,"end":1580.5751,"sentiment":"neutral","sentiment_score":0.04383891520018761},{"text":"In my opinion, no.","start":1581.1951,"end":1582.9751,"sentiment":"neutral","sentiment_score":-0.13032037019729614},{"text":"Based","start":1583.8351,"end":1584.155,"sentiment":"neutral","sentiment_score":-0.043244585394859314}],"sentiment":"neutral","sentiment_score":0.025501435416815585,"channel":1,"num_words":43,"start":1563.54,"end":1584.155},{"sentences":[{"text":"No.","start":1583.86,"end":1584.36,"sentiment":"neutral","sentiment_score":-0.2241431027650833}],"sentiment":"neutral","sentiment_score":-0.2241431027650833,"channel":0,"num_words":1,"start":1583.86,"end":1584.36},{"sentences":[{"text":"on listening to people that live renewable energy, off grid living and all that shit, whatever.","start":1584.155,"end":1590.41,"sentiment":"neutral","sentiment_score":-0.19759295228868723},{"text":"Where do you invest?","start":1590.79,"end":1591.83,"sentiment":"neutral","sentiment_score":-0.07953771576285362},{"text":"Like, how do you look at the markets and get we we know that oil at the moment is sort of getting a battery and thinking that not a future.","start":1591.83,"end":1599.03,"sentiment":"neutral","sentiment_score":-0.15520867854356765},{"text":"But if a company in Australia said, look, we've just found the biggest fucking oil reserves in Australia, we've got we've got two hundred years of oil reserves to meet the needs of this population of 27,000,000 and drop","start":1599.03,"end":1610.585,"sentiment":"negative","sentiment_score":-0.42062145204116136}],"sentiment":"neutral","sentiment_score":-0.275731854894188,"channel":1,"num_words":89,"start":1584.155,"end":1610.585},{"sentences":[{"text":"Yeah.","start":1610.53,"end":1611.03,"sentiment":"neutral","sentiment_score":-0.07606719434261322}],"sentiment":"neutral","sentiment_score":-0.07606719434261322,"channel":0,"num_words":1,"start":1610.53,"end":1611.03},{"sentences":[{"text":"price of fuel up at a dollar a liter, or do you look at is it renewable energy?","start":1610.585,"end":1618.41,"sentiment":"neutral","sentiment_score":-0.03517335430822439},{"text":"Is it the mining sector for gold and copper?","start":1618.41,"end":1620.91,"sentiment":"neutral","sentiment_score":-0.009293107212417655},{"text":"Where do they actually invest?","start":1621.6901,"end":1623.4701,"sentiment":"neutral","sentiment_score":-0.024386102706193923}],"sentiment":"neutral","sentiment_score":-0.026209026749711484,"channel":1,"num_words":32,"start":1610.585,"end":1623.4701},{"sentences":[{"text":"Alright.","start":1625.3451,"end":1625.505,"sentiment":"neutral","sentiment_score":0.0011923214187845588},{"text":"Great question.","start":1625.505,"end":1626.3251,"sentiment":"neutral","sentiment_score":0.10002441704273224},{"text":"So most of those super funds, they're very, very slow moving ships, and they've distributed their money out to ten, twenty, 30 fund managers across the planet.","start":1626.4651,"end":1637.3401,"sentiment":"neutral","sentiment_score":-0.23538530866305032},{"text":"And they're investing in a little bit of everything, but they're not too heavily leaning in they're not concentrated or high conviction is the words I would use.","start":1637.48,"end":1647.3201,"sentiment":"neutral","sentiment_score":-0.08142304373905063},{"text":"There's no, we're gonna take a bet on this because it's looking good.","start":1647.3201,"end":1650.5349,"sentiment":"neutral","sentiment_score":0.0011382117294348204}],"sentiment":"neutral","sentiment_score":-0.11858043169871654,"channel":0,"num_words":71,"start":1625.3451,"end":1650.5349},{"sentences":[{"text":"It's just steady ship steady ship going in one direction.","start":1650.5349,"end":1654.075,"sentiment":"neutral","sentiment_score":0.03295243568718433},{"text":"So the what we kind of do that's slightly different is 80% of it's kind of steady ship down the middle, low fees, just, you know, top companies, top properties, top gold, that kind of thing.","start":1654.5349,"end":1667.97,"sentiment":"neutral","sentiment_score":0.0371360598752896},{"text":"And then the other ten twenty, we kind of split it out to different sectors.","start":1668.0299,"end":1671.8899,"sentiment":"neutral","sentiment_score":-0.042995507021745046},{"text":"I think we had some clients in battery tech and lithium for some green energy, and they were jumping up sixty, eighty, 90%, but only a small portion of the money goes in there because, again, I can't have your super going from one twenty to 30 and then up to 200.","start":1672.11,"end":1688.0851,"sentiment":"neutral","sentiment_score":-0.19836505921557546},{"text":"Like, that's just too volatile for you.","start":1688.0851,"end":1689.765,"sentiment":"negative","sentiment_score":-0.5201978172574725}],"sentiment":"neutral","sentiment_score":-0.10779064910796782,"channel":0,"num_words":120,"start":1650.5349,"end":1689.765},{"sentences":[{"text":"Does that make","start":1689.765,"end":1690.5651,"sentiment":"neutral","sentiment_score":-0.061692786713441215}],"sentiment":"neutral","sentiment_score":-0.061692786713441215,"channel":0,"num_words":3,"start":1689.765,"end":1690.5651},{"sentences":[{"text":"Yep.","start":1690.475,"end":1690.975,"sentiment":"neutral","sentiment_score":-0.01676311530172825}],"sentiment":"neutral","sentiment_score":-0.01676311530172825,"channel":1,"num_words":1,"start":1690.475,"end":1690.975},{"sentences":[{"text":"sense?","start":1690.5651,"end":1691.0651,"sentiment":"neutral","sentiment_score":0.002943865954875946}],"sentiment":"neutral","sentiment_score":0.002943865954875946,"channel":0,"num_words":1,"start":1690.5651,"end":1691.0651},{"sentences":[{"text":"It does.","start":1691.5149,"end":1692.2549,"sentiment":"neutral","sentiment_score":0.009138580411672592},{"text":"So, obviously, it's it's quite well, one would assume another of caution as well.","start":1692.315,"end":1697.9299,"sentiment":"neutral","sentiment_score":0.07816973142325878},{"text":"Again, if you look at the well, everyone's look at The Middle East and Iran and The US, and I think there's no something like a hundred and thirty forty different conflicts going on in the world.","start":1698.95,"end":1708.475,"sentiment":"neutral","sentiment_score":-0.04682201569950258},{"text":"We're focusing on Buddy One.","start":1708.475,"end":1710.255,"sentiment":"neutral","sentiment_score":0.07798619382083416},{"text":"Like, you know, this is the magic ball stuff, and I suppose it would relate to nearly every investor or every every pun that you're dealing with.","start":1711.915,"end":1720.32,"sentiment":"neutral","sentiment_score":0.1296531369012815}],"sentiment":"neutral","sentiment_score":0.03848005276830757,"channel":1,"num_words":85,"start":1691.5149,"end":1720.32},{"sentences":[{"text":"Is how do you determine the the market?","start":1720.5599,"end":1722.72,"sentiment":"neutral","sentiment_score":-0.017259069718420506},{"text":"Like, if if things really turn to shit in The Middle East, which really they've been like that for the last thirty odd years,","start":1722.72,"end":1730.2599,"sentiment":"neutral","sentiment_score":-0.14114180424561104}],"sentiment":"neutral","sentiment_score":-0.1101711206138134,"channel":1,"num_words":32,"start":1720.5599,"end":1730.2599},{"sentences":[{"text":"Yeah.","start":1731.505,"end":1732.005,"sentiment":"neutral","sentiment_score":-0.07392023503780365}],"sentiment":"neutral","sentiment_score":-0.07392023503780365,"channel":0,"num_words":1,"start":1731.505,"end":1732.005},{"sentences":[{"text":"what happens then to the markets?","start":1731.6,"end":1733.12,"sentiment":"neutral","sentiment_score":-0.1010368379453818},{"text":"Like, do do you withdraw from the oil sector and go heavily to dip something else?","start":1733.12,"end":1737.7748,"sentiment":"neutral","sentiment_score":-0.12388113653287292},{"text":"Or is it too late?","start":1737.7748,"end":1739.2544,"sentiment":"neutral","sentiment_score":-0.1824406534433365},{"text":"Or is it because the small proportion also my my in my money is invested in that, you know what, we're gonna have to take a hit from that because we're gonna pick it up somewhere else.","start":1739.2544,"end":1750.5,"sentiment":"neutral","sentiment_score":-0.2870547811727266}],"sentiment":"neutral","sentiment_score":-0.220649209106341,"channel":1,"num_words":64,"start":1731.6,"end":1750.5},{"sentences":[{"text":"Yeah.","start":1751.76,"end":1752.08,"sentiment":"neutral","sentiment_score":-0.11025745421648026},{"text":"You're pretty much getting close to the mark there.","start":1752.08,"end":1754.34,"sentiment":"neutral","sentiment_score":-0.11363551020622253},{"text":"When it comes to whether you just take the hit or not, most of what we do I don't wanna use the buzzword long term, but those crises that tend to happen every seven years or so, GFC, .com bubble, nine eleven, COVID, Iran war, all that kind of thing, is for the majority of it, you go law of averages.","start":1755.315,"end":1777.1001,"sentiment":"neutral","sentiment_score":-0.20028428073789253},{"text":"And you say, okay.","start":1777.2401,"end":1778.04,"sentiment":"neutral","sentiment_score":0.00957423821091652},{"text":"If this averages out at double digits, 10% over a hundred years despite there being three wars of pandemic and multiple financial crises, it's pretty reliable to kind of stick the ship as long as you've got the time.","start":1778.04,"end":1790.985,"sentiment":"neutral","sentiment_score":0.07401758088515355}],"sentiment":"neutral","sentiment_score":-0.09145031196244977,"channel":0,"num_words":114,"start":1751.76,"end":1790.985},{"sentences":[{"text":"So, again, 30 year","start":1791.045,"end":1791.925,"sentiment":"neutral","sentiment_score":0.013872367795556784}],"sentiment":"neutral","sentiment_score":0.013872367795556784,"channel":0,"num_words":4,"start":1791.045,"end":1791.925},{"sentences":[{"text":"Yep.","start":1791.905,"end":1792.405,"sentiment":"neutral","sentiment_score":0.006053795572370291}],"sentiment":"neutral","sentiment_score":0.006053795572370291,"channel":1,"num_words":1,"start":1791.905,"end":1792.405},{"sentences":[{"text":"old's got thirty years.","start":1791.925,"end":1792.885,"sentiment":"neutral","sentiment_score":-0.015054304152727127},{"text":"No worries.","start":1792.885,"end":1793.625,"sentiment":"neutral","sentiment_score":0.01981974020600319},{"text":"Someone who's 60 and about to retire in twelve months, they can't be waiting five years for it to bounce back.","start":1793.765,"end":1799.73,"sentiment":"neutral","sentiment_score":-0.1520048730252754},{"text":"So that's where we need to go a little bit more careful.","start":1799.73,"end":1803.03,"sentiment":"neutral","sentiment_score":-0.21650897773603597},{"text":"We don't, I guess, react to the news and go, oh my god.","start":1803.65,"end":1806.77,"sentiment":"negative","sentiment_score":-0.4327225570495312}],"sentiment":"neutral","sentiment_score":-0.21992655854242352,"channel":0,"num_words":52,"start":1791.925,"end":1806.77},{"sentences":[{"text":"This has just crashed.","start":1806.77,"end":1807.5701,"sentiment":"negative","sentiment_score":-0.5998669192194939},{"text":"Let's hop out of it and crystallize the loss.","start":1807.5701,"end":1809.75,"sentiment":"neutral","sentiment_score":-0.08779672429793411},{"text":"But there is a little bit of foresight to say, hey.","start":1809.89,"end":1813.035,"sentiment":"neutral","sentiment_score":-0.11642986806956204},{"text":"Inflation is starting to pick up.","start":1813.3351,"end":1815.115,"sentiment":"negative","sentiment_score":-0.3694944232702255}],"sentiment":"neutral","sentiment_score":-0.22291110946486395,"channel":0,"num_words":30,"start":1806.77,"end":1815.115},{"sentences":[{"text":"Yep.","start":1814.87,"end":1815.37,"sentiment":"neutral","sentiment_score":0.010169844143092632}],"sentiment":"neutral","sentiment_score":0.010169844143092632,"channel":1,"num_words":1,"start":1814.87,"end":1815.37},{"sentences":[{"text":"These sectors and countries seem to be on a bit of a bad trend over the next five, ten years, so we'll just pivot away a little bit and pivot more towards these guys.","start":1815.655,"end":1825.29,"sentiment":"neutral","sentiment_score":-0.18237595216316335},{"text":"And it just gets you that extra one or 2%.","start":1825.37,"end":1827.63,"sentiment":"neutral","sentiment_score":0.16334987431764603},{"text":"That's kind of the game changer, if that makes sense.","start":1827.8501,"end":1830.1901,"sentiment":"positive","sentiment_score":0.4486376538872719},{"text":"We're not trying","start":1830.25,"end":1830.89,"sentiment":"neutral","sentiment_score":-0.11777251710494359}],"sentiment":"neutral","sentiment_score":-0.007617976189705364,"channel":0,"num_words":57,"start":1815.655,"end":1830.89},{"sentences":[{"text":"It","start":1830.71,"end":1831.21,"sentiment":"neutral","sentiment_score":-0.05259961634874344}],"sentiment":"neutral","sentiment_score":-0.05259961634874344,"channel":1,"num_words":1,"start":1830.71,"end":1831.21},{"sentences":[{"text":"to day trade it.","start":1830.89,"end":1831.6901,"sentiment":"neutral","sentiment_score":-0.13446617871522903},{"text":"We're gonna hop on and go, oh, we're selling you to cash today to avoid the drop, and I'll throw you back in in a week, and you won't lose any money.","start":1831.6901,"end":1838.25,"sentiment":"neutral","sentiment_score":0.031685311580076814},{"text":"We can't do that.","start":1838.25,"end":1839.315,"sentiment":"negative","sentiment_score":-0.44090481102466583}],"sentiment":"neutral","sentiment_score":-0.03218884970992804,"channel":0,"num_words":40,"start":1830.89,"end":1839.315},{"sentences":[{"text":"does.","start":1839.51,"end":1839.91,"sentiment":"neutral","sentiment_score":-0.07570856809616089},{"text":"Yes.","start":1839.91,"end":1840.23,"sentiment":"neutral","sentiment_score":0.027096906676888462},{"text":"No.","start":1840.23,"end":1840.39,"sentiment":"neutral","sentiment_score":-0.19834204018115997},{"text":"I get that.","start":1840.39,"end":1840.87,"sentiment":"neutral","sentiment_score":-0.09359158327182134},{"text":"That's alright.","start":1840.87,"end":1841.51,"sentiment":"neutral","sentiment_score":0.1330331526696682}],"sentiment":"neutral","sentiment_score":-0.03270776825957,"channel":1,"num_words":8,"start":1839.51,"end":1841.51},{"sentences":[{"text":"Look, I've got I've got a gal with Casperbury.","start":1841.51,"end":1847.0349,"sentiment":"neutral","sentiment_score":0.16999614735444388},{"text":"So","start":1847.095,"end":1847.575,"sentiment":"neutral","sentiment_score":0.01263485848903656}],"sentiment":"neutral","sentiment_score":0.15426001846790313,"channel":1,"num_words":10,"start":1841.51,"end":1847.575},{"sentences":[{"text":"No.","start":1847.1549,"end":1847.315,"sentiment":"neutral","sentiment_score":-0.05733085423707962},{"text":"That's alright, Ivan, mate.","start":1847.315,"end":1848.2749,"sentiment":"neutral","sentiment_score":0.272258959710598},{"text":"I've got everything I need.","start":1848.2749,"end":1849.5549,"sentiment":"positive","sentiment_score":0.5021000504493713},{"text":"I'll put together a plan for Tuesday, and we'll talk then.","start":1849.5549,"end":1853.0149,"sentiment":"neutral","sentiment_score":0.28840548206459393}],"sentiment":"neutral","sentiment_score":0.3197459780744144,"channel":0,"num_words":21,"start":1847.1549,"end":1853.0149},{"sentences":[{"text":"alright.","start":1853.335,"end":1853.735,"sentiment":"neutral","sentiment_score":0.12210040539503098},{"text":"Alright.","start":1853.735,"end":1853.815,"sentiment":"neutral","sentiment_score":0.11083082854747772},{"text":"286, sir.","start":1853.815,"end":1855.0349,"sentiment":"neutral","sentiment_score":0.156480111181736}],"sentiment":"neutral","sentiment_score":0.13647286407649517,"channel":1,"num_words":4,"start":1853.335,"end":1855.0349},{"sentences":[{"text":"Thanks, Ivan.","start":1855.2549,"end":1855.975,"sentiment":"positive","sentiment_score":0.6398192048072815},{"text":"Talk soon, mate.","start":1855.975,"end":1856.955,"sentiment":"positive","sentiment_score":0.4159167210261027}],"sentiment":"positive","sentiment_score":0.5054777145385743,"channel":0,"num_words":5,"start":1855.2549,"end":1856.955},{"sentences":[{"text":"Yeah.","start":1857.095,"end":1857.1749,"sentiment":"neutral","sentiment_score":0.17379021644592285},{"text":"Say it.","start":1857.1749,"end":1857.495,"sentiment":"neutral","sentiment_score":0.20652002841234207},{"text":"Bye.","start":1857.495,"end":1857.995,"sentiment":"neutral","sentiment_score":-0.08189702033996582}],"sentiment":"neutral","sentiment_score":0.1262333132326603,"channel":1,"num_words":4,"start":1857.095,"end":1857.995}]},"summary":{"result":"success","short":"A customer named Tommy discusses his financial situation with a senior adviser from Oakview and expresses frustration with his health issues. The adviser suggests setting up a pension plan and transfer terms for the insurance company. The conversation also touches on estate planning and investing in renewable energy. The speaker emphasizes the need to be cautious and pivot towards companies with long term potential."},"intents":{"segments":[{"text":"Booked booked in for Tuesday at 04:30.","start_word":41,"end_word":47,"intents":[{"intent":"Schedule appointment","confidence_score":0.010703201}]},{"text":"One of the things I'm gonna quickly just touch on was just looking through your goals. There seems to be a lot there involved in just getting some protection and making sure your debts are covered because, obviously, you're coming close to your your preservation age. You're finishing off, like, your mortgage and everything like that. Is that pretty important to you at the moment?","start_word":339,"end_word":403,"intents":[{"intent":"Discuss goals and coverage","confidence_score":0.0014625951}]},{"text":"So what I might do then is we're gonna look at some transfer terms to at least be able to move the policy around and see if we can get it a little bit more affordable for you. And your only bet is potentially gonna be some default cover on top of that, just a small amount just to cover some debts. I'm not gonna be able to get you a full suite of policies.","start_word":507,"end_word":581,"intents":[{"intent":"Talk about policy options","confidence_score":0.000051405186}]},{"text":"And then, you know, I can see if I put $10 a year in the bank. In ten years, I'm gonna have a thousand dollars, haven't I? Yep.","start_word":593,"end_word":620,"intents":[{"intent":"Discuss financial decision","confidence_score":0.00003809291}]},{"text":"And insurance is more for you know, when you're younger, if you can't save up money, you don't build assets, it's helpful there. But in your Yep.","start_word":624,"end_word":650,"intents":[{"intent":"Guide customer through insurance","confidence_score":0.00008664916}]},{"text":"I also, at the moment, have a few issues with my health that I've gotta deal with.","start_word":1061,"end_word":1077,"intents":[{"intent":"Address health issues","confidence_score":0.09187445}]},{"text":"Can I be completely transparent with you? Because Yep.","start_word":1119,"end_word":1127,"intents":[{"intent":"Obtain a transparent conversation","confidence_score":0.0002804776}]},{"text":"So this is one of the things that we can definitely help you with that. We do a lot of setting up pension accounts, helping clients through insurance claims, helping them kind Yep.","start_word":1298,"end_word":1330,"intents":[{"intent":"Help clients with pensions","confidence_score":0.0005774952}]},{"text":"We do a lot of setting up pension accounts, helping clients through insurance claims, helping them kind Yep.","start_word":1313,"end_word":1330,"intents":[{"intent":"Help clients with pension accounts","confidence_score":0.013690751}]},{"text":"of structure to live off of it. So if nothing else, let's say I put together a plan now. If you're happy with it, we try and get you just a little bit more growth out of it for a few years. Once Yep.","start_word":1332,"end_word":1375,"intents":[{"intent":"Structure plan","confidence_score":0.020461546}]},{"text":"I think that's probably gonna be the most help we can do for you. Yep.","start_word":1439,"end_word":1453,"intents":[{"intent":"Help with transition","confidence_score":0.107787095}]},{"text":"I do I do draw a lot of skepticism because I'm thinking, mate, the time's running out for me, And I think this will follow flow on effect from the nineties when we'll promise all these bullshit things.","start_word":1518,"end_word":1555,"intents":[{"intent":"Draw skepticism","confidence_score":0.8471273}]},{"text":"Most people are are gonna be lucky to retire on probably 6 $7.50 to a million dollars if they're lucky.","start_word":1632,"end_word":1651,"intents":[{"intent":"Retire on retirement","confidence_score":0.0026092546}]},{"text":"So why was I too consumed about having superannuation?","start_word":1761,"end_word":1769,"intents":[{"intent":"Explaining overreliance on superannuation","confidence_score":0.000033244396}]},{"text":"And it's just one of those things, like, as I've got older, I've brought a second I've brought us an investment property purely because I think that's gonna be a better return than super because in ten years' time, I can flop it off. I'll probably make a $120,130 grand out of it. Alright.","start_word":1770,"end_word":1823,"intents":[{"intent":"Affirming belief in investing property","confidence_score":4.7712504e-8}]},{"text":"And then, basically, what it comes down to is we tie that into retirement plans. You do a bit of a sale if you need to. You rotate a few things around, you know, minimize the CGT, get it all structured up to live off, and that's pretty much what you're gonna end up doing. You already know it. Yeah.","start_word":1846,"end_word":1905,"intents":[{"intent":"Discussing retirement plans","confidence_score":0.5278027}]},{"text":"You do a bit of a sale if you need to. You rotate a few things around, you know, minimize the CGT, get it all structured up to live off, and that's pretty much what you're gonna end up doing. You already know it.","start_word":1861,"end_word":1904,"intents":[{"intent":"Suggesting a more structured plan","confidence_score":0.0016811364}]},{"text":"You do a bit of a sale if you need to. You rotate a few things around, you know, minimize the CGT, get it all structured up to live off, and that's pretty much what you're gonna end up doing. You already know it. Yeah.","start_word":1861,"end_word":1905,"intents":[{"intent":"Explaining the importance of cgt","confidence_score":0.000522458}]},{"text":"You know, the nine famous words that Ronald Reagan, trust us with from the government. Those are nine words. Don't don't trust us. And anyone else that's really like that, I just get really skeptical about.","start_word":1917,"end_word":1952,"intents":[{"intent":"Discussing the importance of trust in government","confidence_score":0.0015731027}]},{"text":"Happy to listen.","start_word":1964,"end_word":1966,"intents":[{"intent":"Showing gratitude for time spent","confidence_score":6.2369986e-7}]},{"text":"So what you get paid to do is provide provide a fairly watertight advice.","start_word":1977,"end_word":1990,"intents":[{"intent":"Emphaizing the need for advice","confidence_score":0.00005493028}]},{"text":"Mate, my my job is pretty simple because I was talking to to Fabian and the guys, and you're gonna have a bit of a look over the weekend and and hopefully hop on our financial services guide, are you? Yeah.","start_word":2284,"end_word":2324,"intents":[{"intent":"Discuss financial services","confidence_score":0.17115957}]},{"text":"Just can I just get your website again? Yeah.","start_word":2325,"end_word":2333,"intents":[{"intent":"Review website","confidence_score":0.0042004106}]},{"text":"So what I wanna do, and this is basically the simpleness of it, right, is we're very limited in what we do with the insurances. Gonna try and get a slightly better outcome for the super and hopefully be alongside you to guide you through those phases with insurance claims, pensions, all that kind of thing.","start_word":2411,"end_word":2466,"intents":[{"intent":"Discuss options to change insurance coverage","confidence_score":0.0000010311745}]},{"text":"It wasn't like I've been working there for the last decade, and then this is their nominated super super fund that I I had Hester sort of long story short, when I started with disability sector twenty years ago, whoever I was working with then automatically just went straight on to Hester.","start_word":2690,"end_word":2741,"intents":[{"intent":"Discuss funds and financial impact","confidence_score":0.0000022545405}]},{"text":"If assuming something happens with your health, you can you can trigger conditions of release there, and, basically, our job is to go to bat for you with the providers and get it all released and structured so you can access it.","start_word":2994,"end_word":3035,"intents":[{"intent":"Implement actions to enable access to funds","confidence_score":2.1799668e-8}]},{"text":"to ask you one other thing with the estate planning, though. Sorry.","start_word":3069,"end_word":3080,"intents":[{"intent":"Clarify estate planning","confidence_score":0.0017783417}]},{"text":"It would be about I I intend to sell all my homes all my homes to the kids prior to everything. Okay.","start_word":3148,"end_word":3169,"intents":[{"intent":"Sell homes","confidence_score":0.33934245}]},{"text":"We'll have we'll have a good time before we go because I hear horror stories of people dealing with probate and and all that stuff.","start_word":3242,"end_word":3266,"intents":[{"intent":"Discuss probate","confidence_score":0.2740056}]},{"text":"That's why I wanted to ask you because you can if you wanted to, you could do a $25 will kit from the post office.","start_word":3282,"end_word":3306,"intents":[{"intent":"Ask about will kit","confidence_score":0.0091912905}]},{"text":"It's unfortunately, my bank account, we for whatever reason, we've always been his and hers or and we've never the client have never met. We just she's got her bank account. I've got mine. And that's it. K.","start_word":3342,"end_word":3379,"intents":[{"intent":"Identify bank account","confidence_score":0.0061684903},{"intent":"Discuss bank account","confidence_score":0.010299815}]},{"text":"have been I would Yep. recommend a power of attorney even if you go to the post office for $25 and put her down so that she can bypass that.","start_word":3405,"end_word":3434,"intents":[{"intent":"Recommend power of attorney","confidence_score":0.8182365}]},{"text":"There's not much money in my bank account.","start_word":3510,"end_word":3517,"intents":[{"intent":"Discuss finances","confidence_score":0.043745756}]},{"text":"Got the cars, the credit card, the investment property, the mortgage. Hey.","start_word":3529,"end_word":3540,"intents":[{"intent":"Discuss assets","confidence_score":0.034977756}]},{"text":"Just keep all the kids happy then that give them something to think about.","start_word":3577,"end_word":3590,"intents":[{"intent":"Discuss children's happiness","confidence_score":0.26435885}]},{"text":"daughter's in a relationship that will probably go pear shape. I'm hoping sooner rather than later.","start_word":3713,"end_word":3728,"intents":[{"intent":"Ask about children's relationship","confidence_score":0.00010472678}]},{"text":"Not because I this girl wanted to be single, but just she can find someone better. And when she Yeah.","start_word":3730,"end_word":3749,"intents":[{"intent":"Find better woman","confidence_score":0.0016459435}]},{"text":"So is everyone pretty well outside of one 16 year old? Everyone else is over 18?","start_word":3778,"end_word":3793,"intents":[{"intent":"Inquire about 16-17 year olds","confidence_score":0.000039759325}]},{"text":"Again, my suggestion is try and put something in writing so that if you don't get a chance to sell everything off in time, at least there's something there so it's easier on them. Again, up to you if you wanna do that, but definitely in that situation, it it would be helpful for them. Yep.","start_word":3822,"end_word":3877,"intents":[{"intent":"Sell everything","confidence_score":0.00053315907}]},{"text":"I'll probably I will take that advice on board. That'd be one thing I will take on board Cool.","start_word":3979,"end_word":3997,"intents":[{"intent":"Take advice on advice","confidence_score":0.004250437}]},{"text":"So we're gonna go basically from about 75% growth assets to about eighty, eighty five. Yep. I'm gonna try and keep it nice, low fee investments for you, steady ship, just direct, buy some shares, buy some property, buy some gold. And that way, you Yep. don't have to deal with weird fund managers or fancy schemes or anything out of the ordinary. Not yet.","start_word":4076,"end_word":4140,"intents":[{"intent":"Promote portfolio management","confidence_score":0.004537214}]},{"text":"But there seems to be issues with the superannuation funds, whether they're being held accountable enough or they're transparent enough with with people I don't know.","start_word":4713,"end_word":4738,"intents":[{"intent":"Discuss superannuation funds","confidence_score":0.12760502}]},{"text":"It's the pointing fingers because when you've got the layers of a super fund, the fund managers that invest your money and the financial advisers that are recommending So it and strategizing it, then their licensee who looks after them, you've got four different groups who are all just trying to point fingers at each other because they don't wanna be stiffed up for $200,000,000. You know what I mean?","start_word":4786,"end_word":4855,"intents":[{"intent":"Analyze funds","confidence_score":0.023457402}]},{"text":"Do I believe renewable energy will run a tractor the size of Australia? In my opinion, no.","start_word":5093,"end_word":5109,"intents":[{"intent":"Evaluate renewable energy investment","confidence_score":0.02744977}]},{"text":"Is how do you determine the the market? Like, if if things really turn to shit in The Middle East, which really they've been like that for the last thirty odd years, Yeah.","start_word":5515,"end_word":5547,"intents":[{"intent":"Determine market","confidence_score":0.15589641}]},{"text":"Someone who's 60 and about to retire in twelve months, they can't be waiting five years for it to bounce back. So that's where we need to go a little bit more careful. We don't, I guess, react to the news and go, oh my god. This has just crashed.","start_word":5737,"end_word":5786,"intents":[{"intent":"Evaluate turbulency","confidence_score":3.737759e-7}]},{"text":"So that's where we need to go a little bit more careful.","start_word":5758,"end_word":5769,"intents":[{"intent":"Ensure prudent decision","confidence_score":0.000005526123}]}]},"sentiments":{"segments":[{"text":"Hello. You've got Tommy? Hey, mate. Fabian. How are you?","start_word":0,"end_word":9,"sentiment":"neutral","sentiment_score":0.11847882717847824},{"text":"Yeah. Fantastic, dude. How are you doing?","start_word":10,"end_word":16,"sentiment":"positive","sentiment_score":0.5186686515808105},{"text":"Yeah.","start_word":17,"end_word":17,"sentiment":"neutral","sentiment_score":0.2322213053703308},{"text":"Good, man.","start_word":18,"end_word":19,"sentiment":"positive","sentiment_score":0.4071615338325501},{"text":"So he is at work, so I said we'll try and run through it as quick as we can. Oh, classic. Booked booked in for Tuesday at 04:30. For him, it's just it needs to make sense. He's like, I've burned $5 out of my suit for, like, twelve years ago and didn't really get it back. Like, I Yeah. don't really have any questions for me. It's just gonna be whether it makes financial sense. I said, well, really, for you, you just need to do some homework for me over the weekends and just check out if you'll know who you're actually dealing with. It doesn't matter how good the results look on paper.","start_word":20,"end_word":135,"sentiment":"neutral","sentiment_score":-0.05934784933924675},{"text":"If you don't trust the company, well, then you're never gonna go ahead with it.","start_word":136,"end_word":150,"sentiment":"negative","sentiment_score":-0.3963420689105987},{"text":"Like, yeah. That's Yeah. fair. Awesome. No. That's you've Cool.","start_word":151,"end_word":160,"sentiment":"neutral","sentiment_score":0.07155247777700424},{"text":"touched it really well, man. Awesome. Great.","start_word":161,"end_word":167,"sentiment":"positive","sentiment_score":0.4138760566711426},{"text":"Alright. Let me bring him in into the call for you. Yeah.","start_word":168,"end_word":179,"sentiment":"neutral","sentiment_score":0.23399406671524048},{"text":"Thanks so much, Ram. Cheers, mate. Thanks for holding, mate.","start_word":180,"end_word":189,"sentiment":"positive","sentiment_score":0.48373788595199585},{"text":"So I've got Tommy on the line. I did mention to him that you're you're at work. So he'll run through what he needs to, but he will try and keep it as short and sweet as possible for you. Alright.","start_word":190,"end_word":230,"sentiment":"neutral","sentiment_score":0.21186918020248413},{"text":"That'd be great.","start_word":231,"end_word":233,"sentiment":"positive","sentiment_score":0.544045090675354},{"text":"Legend. Alright, mate.","start_word":234,"end_word":236,"sentiment":"neutral","sentiment_score":0.25802046060562134},{"text":"You have a good afternoon.","start_word":237,"end_word":241,"sentiment":"positive","sentiment_score":0.3992588222026825},{"text":"I'll speak to you on Tuesday. No worries then. See you then. Cheers. Bye. Bye. Good day, Ivan. It's Tommy here, senior adviser from Oakview, mate.","start_word":242,"end_word":267,"sentiment":"neutral","sentiment_score":0.2144007384777069},{"text":"Thank you for spending a few minutes with me today.","start_word":268,"end_word":277,"sentiment":"positive","sentiment_score":0.5774765014648438},{"text":"Too easy, man. Too easy. With being at work, I'm going to just touch on basically four quick points with you just to make sure I can put a plan together, and then we can spend a bit more time when we run through the plan just to make sure you're happy with it. Is that okay? Yes.","start_word":278,"end_word":335,"sentiment":"neutral","sentiment_score":0.28211784594017886},{"text":"Go on. Perfect. One of the things I'm gonna quickly just touch on was just looking through your goals.","start_word":336,"end_word":354,"sentiment":"positive","sentiment_score":0.4826057255268097},{"text":"There seems to be a lot there involved in just getting some protection and making sure your debts are covered because, obviously, you're coming close to your your preservation age. You're finishing off, like, your mortgage and everything like that. Is that pretty important to you at the moment? Getting the debt cleared up. Yes. Yeah. So one thing I wanted to just be quite careful on is just on the insurance side of things is just making sure I can kind of hunt around for you and see who's gonna be best when it comes to, like, life insurance, disability to cover the debts. Is that okay? You can. I'm gonna give you a bit of a disclosure. I do have a heart condition. So Yeah.","start_word":355,"end_word":481,"sentiment":"neutral","sentiment_score":0.08892818540334702},{"text":"The Epstein's anomaly. as I'm aging, it's gonna be harder and harder.","start_word":482,"end_word":493,"sentiment":"negative","sentiment_score":-0.3519439697265625},{"text":"I just Yes.","start_word":494,"end_word":496,"sentiment":"neutral","sentiment_score":-0.15206751227378845},{"text":"canceled a profit because it was costing a fortune.","start_word":497,"end_word":505,"sentiment":"negative","sentiment_score":-0.47788649797439575},{"text":"Perfect.","start_word":506,"end_word":506,"sentiment":"positive","sentiment_score":0.33653420209884644},{"text":"So what I might do then is we're gonna look at some transfer terms to at least be able to move the policy around and see if we can get it a little bit more affordable for you. And your only bet is potentially gonna be some default cover on top of that, just a small amount just to cover some debts. I'm not gonna be able to get you a full suite of policies. And just like you said, it'll cost you $510 anyway. Yeah. And then, you know, I can see if I put $10 a year in the bank. In ten years, I'm gonna have a thousand dollars, haven't I? Yep. Exactly right. And insurance is more for you know, when you're younger, if you can't save up money, you don't build assets, it's helpful there. But in your Yep. case, you basically need to protect what you've built and finish off building it, not Yeah. have it flood out in fees. Exactly. You see, Dan?","start_word":507,"end_word":675,"sentiment":"neutral","sentiment_score":0.05753272765222386},{"text":"So I'll keep it nice and simple. There's only those two options, so I'll try and investigate that for you and get you the best outcome I can.","start_word":676,"end_word":703,"sentiment":"positive","sentiment_score":0.3603713810443878},{"text":"When it comes to the super, obviously, you said you had a bit of an experience twelve years ago with an adviser. Did you end up having, like, performance issues, lack of contact? Like, can you just briefly walk me through kind of what happened?","start_word":704,"end_word":748,"sentiment":"neutral","sentiment_score":-0.04729165881872177},{"text":"It was it was all all smoke and mirrors on the outside, and I really just didn't feel happy with what was going on.","start_word":749,"end_word":772,"sentiment":"negative","sentiment_score":-0.4567492306232453},{"text":"Yep.","start_word":773,"end_word":773,"sentiment":"neutral","sentiment_score":-0.1538287103176117},{"text":"And chewed up $5 in fees, and I it just it never went anywhere. It it was stagnant.","start_word":774,"end_word":791,"sentiment":"negative","sentiment_score":-0.3864806890487671},{"text":"It was just it was like, thanks very much. We've got your money in our bank account. Great. We're promising. And I'm super annoyed until it's still protected, but it just didn't went anywhere. Like, I've got I think when I first spoke to her, even the chapter reached out this time, they said, you know, I had $60. The bank by the time now, I only had about 80 to $90. I've got a 120, so it still hasn't performed too bad. Yeah. So sometimes it's just like and to me, it's a little let it let it forget it because I can't touch it till I'm 67. Well, that's Is what there I wanted any to ask you. You hit your preservation age at 60, and that's your first point where you can start accessing super. So one of the things you can do like, sorry? are you aiming to retire at 67, or if you can, a little bit earlier than that? As I said, the dodgy ticket logo, I've got made a I'm open. I live to 67. Yeah. You you see, you you you're dealing with something probably more realistic than most of the other people that you've spoken with because of the fact that my health. So it's it's not it's not something that's lied about. It's not something that's been hairy, fairy. It's not something that's you know, the reality is I've got a dodgy ticket. Am I gonna live to 85?","start_word":792,"end_word":1040,"sentiment":"neutral","sentiment_score":-0.08867022326313348},{"text":"No. No. It's not a good chance in the world.","start_word":1041,"end_word":1050,"sentiment":"negative","sentiment_score":-0.5880999565124512},{"text":"Yeah. If if I make 70, I've done pretty well.","start_word":1051,"end_word":1060,"sentiment":"neutral","sentiment_score":0.00017470121383666992},{"text":"I also, at the moment, have a few issues with my health that I've gotta deal with. So, realistically, to be honest with you, I'm finding these conversations at the moment probably a bit null and void.","start_word":1061,"end_word":1097,"sentiment":"negative","sentiment_score":-0.4506232738494873},{"text":"Because Yeah. if it all goes pear shaped on me in twelve months' time, this is not my problem, is it? Can I be completely transparent with you? Because Yep. I basically know how this was is gonna go for you. I have a lot of clients in the same boat. So let's say you're 57 now. Let's say you come on board with us and we move you super around and we try and get you a bit extra growth out of it.","start_word":1098,"end_word":1181,"sentiment":"neutral","sentiment_score":0.0012626308016479015},{"text":"That's great.","start_word":1182,"end_word":1183,"sentiment":"positive","sentiment_score":0.5147768259048462},{"text":"Something's gonna happen with the health just like you said. Soon as you hit 60, you can switch over to transition pensions or that kind of thing. Start accessing it as you need to. At some point, you're probably gonna need to do an insurance claim of some kind on life and TPD and get everything kind of set up into a bit of a pension so that you can actually live off of it, whether that's, you know, if you become terminal, if you become TPD, it'll have to stop working. You basically need to get all of your eggs together, structured up, and live off of it. Does that sound about right?","start_word":1184,"end_word":1297,"sentiment":"neutral","sentiment_score":0.021251747384667397},{"text":"So this is one of the things that we can definitely help you with that.","start_word":1298,"end_word":1312,"sentiment":"positive","sentiment_score":0.3960931003093719},{"text":"We do a lot of setting up pension accounts, helping clients through insurance claims, helping them kind Yep. of structure to live off of it. So if nothing else, let's say I put together a plan now.","start_word":1313,"end_word":1349,"sentiment":"neutral","sentiment_score":0.2475988325235006},{"text":"If you're happy with it, we try and get you just a little bit more growth out of it for a few years.","start_word":1350,"end_word":1372,"sentiment":"positive","sentiment_score":0.644316554069519},{"text":"Once Yep.","start_word":1373,"end_word":1374,"sentiment":"neutral","sentiment_score":0.32458919286727905},{"text":"everything changes with your health, we're basically gonna set you up with, like, quarterly contact points. If anything happens in between those quarters, you just give us a buzz, and we can just start progressing you through insurance claims, transitioning your super into a pension account, and getting you all structured up and basically just help you Yep. through each of those transition phases. I think that's probably gonna be the most help we can do for you.","start_word":1375,"end_word":1452,"sentiment":"positive","sentiment_score":0.4309042692184448},{"text":"Yep. And and look and this is why I think you know, as I said, I'm 57. I've done this gig for fifty seven years. It's not new to me. It's not like you're dealing with someone who's been fit and healthy and all of a sudden got fat and massive health issues. I've done this for that long. It's just second nature. So Yeah.","start_word":1453,"end_word":1517,"sentiment":"neutral","sentiment_score":0.05014779418706894},{"text":"I do I do draw a lot of skepticism because I'm thinking, mate, the time's running out for me, And I think this will follow flow on effect from the nineties when we'll promise all these bullshit things.","start_word":1518,"end_word":1555,"sentiment":"negative","sentiment_score":-0.3541765809059143},{"text":"Not that they are, but, you know, you need a million dollars to retire on. As I said, the one about yesterday, What a million dollars is $20 a year for fifty years.","start_word":1556,"end_word":1588,"sentiment":"neutral","sentiment_score":-0.11834576725959778},{"text":"You're absolutely right.","start_word":1589,"end_word":1591,"sentiment":"positive","sentiment_score":0.37352973222732544},{"text":"That's that's deposit with it not taking into account investment structures that increase portfolios. For Yeah. that to happen, you could have a 200,000 a year job from the day one when you start working at eight years of age. Most people are are gonna be lucky to retire on probably 6 $7.50 to a million dollars if they're lucky. And Yeah. and I just think that superannuation wasn't a big thing when I started. It was, you know, seven, eight years of age. Takes me back to 8087, '88 It became big in the nineties, from '90 when two onwards. was just starting to become that thing, and I think Kenneth Keating really ensured that we had superannuation and took care of ourselves a little bit because, obviously, the public purse isn't gonna be there to carriers. No. But it was just one of those things that to be honest with you, mate, I'm surprised I'm still breathing.","start_word":1592,"end_word":1750,"sentiment":"neutral","sentiment_score":0.039283327916461344},{"text":"I didn't think I was going to live this long.","start_word":1751,"end_word":1760,"sentiment":"negative","sentiment_score":-0.40342170000076294},{"text":"So why was I too consumed about having superannuation? And it's just one of those things, like, as I've got older, I've brought a second I've brought us an investment property purely because I think that's gonna be a better return than super because in ten years' time, I can flop it off. I'll probably make a $120,130 grand out of it. Alright. I'm Yeah. gonna lose some in tax. I get what I paid for it. I'm gonna sit on probably $300 there. Yeah. And then, basically, what it comes down to is we tie that into retirement plans. You do a bit of a sale if you need to. You rotate a few things around, you know, minimize the CGT, get it all structured up to live off, and that's pretty much what you're gonna end up doing. You already know it. Yeah. That's that's my my plan because I just well, why not? You know, the nine famous words that Ronald Reagan, trust us with from the government. Those are nine words.","start_word":1761,"end_word":1935,"sentiment":"neutral","sentiment_score":0.014067967422306538},{"text":"Don't don't trust us. And anyone else that's really like that, I just get really skeptical about. So, you know, I feel like I'm probably wasting your time.","start_word":1936,"end_word":1963,"sentiment":"negative","sentiment_score":-0.5972358584403992},{"text":"Happy to listen.","start_word":1964,"end_word":1966,"sentiment":"neutral","sentiment_score":0.09338216483592988},{"text":"Happy to to to take note and look at it.","start_word":1967,"end_word":1976,"sentiment":"positive","sentiment_score":0.3881770670413971},{"text":"So what you get paid to do is provide provide a fairly watertight advice. Yeah. But once bitten twice shy.","start_word":1977,"end_word":1996,"sentiment":"neutral","sentiment_score":0.052347272634506226},{"text":"I know that sounds terrible, but it's just it probably frustrates you to hear that because, you know, there were people that were in that industry that have caused this angst for me and probably thousands of others.","start_word":1997,"end_word":2034,"sentiment":"negative","sentiment_score":-0.5154273509979248},{"text":"Well, it doesn't actually frustrate me because I came in in 2014, and Yep.","start_word":2035,"end_word":2048,"sentiment":"neutral","sentiment_score":-0.19528566300868988},{"text":"I was basically dealing with all of the hangover from the GFC and all of the distrust that had happened there.","start_word":2049,"end_word":2069,"sentiment":"negative","sentiment_score":-0.46616023778915405},{"text":"First thing that happened when I got in was royal commissions, banks selling off advice firms, scandal after scandal with super funds, banks, financial advisers, all that kind of thing.","start_word":2070,"end_word":2099,"sentiment":"neutral","sentiment_score":-0.32676008343696594},{"text":"And I've just seen it just nonstop the entire twelve years I've been doing it for, to be honest. And most people in your position have that that distrust for a reason.","start_word":2100,"end_word":2131,"sentiment":"negative","sentiment_score":-0.4609757363796234},{"text":"There was Storm Financial in North Queensland.","start_word":2132,"end_word":2138,"sentiment":"neutral","sentiment_score":-0.31281915307044983},{"text":"That entire area is basically just you have to skip a generation before anyone's wanting to talk to anyone again.","start_word":2139,"end_word":2158,"sentiment":"negative","sentiment_score":-0.4332768321037293},{"text":"Do you know what I mean? Yeah. And and and realistically, I don't know. I I can remember when the pyramid building society collapsed. Do a do a quick set of stuff. I think that's when the banks become if you could say that, trustworthy. How to slightly more transparent accountability to Yeah. So, you know, a look, small as I said, I'm happy to to listen degree. to someone who who sounds genuine as opposed to somebody who's 35 by nine of it. And, gee, we're giving a lend to this guy's money. Well, let's, you know, send him down.","start_word":2159,"end_word":2259,"sentiment":"neutral","sentiment_score":-0.06071411073207855},{"text":"It's just is there a little bit of smoke or salesman mentality for me to tell her I look at all you guys?","start_word":2260,"end_word":2282,"sentiment":"negative","sentiment_score":-0.33666419982910156},{"text":"Yeah. Mate, my my job is pretty simple because I was talking to to Fabian and the guys, and you're gonna have a bit of a look over the weekend and and hopefully hop on our financial services guide, are you? Yeah. Just can I just get your website again? Yeah. So it's Oakview Financial. Even if you just Oh. Google it, it'll show us popping up in Southport Gold Coast and Did you set five of you? sorry. Oakview like a tree. Yep. Oh, o And q yeah. Oakview Financial. q. Yep. I see it. Got That's alright. it Yeah. there. He asked me to do this. This was this was gonna be my homework for the week just to to put my mind at rest. Yeah. So what I wanna do, and this is basically the simpleness of it, right, is we're very limited in what we do with the insurances. Gonna try and get a slightly better outcome for the super and hopefully be alongside you to guide you through those phases with insurance claims, pensions, all that kind of thing. You'll see somebody on there, our head of advice, Larissa. She has specialized in we call it case management. She specializes in terminal illness, TBD, retirement. And, Yep. basically, Larissa and I will pretty much be looking after you for the next few years. Yep. And with the service agreements, obviously, it's, like, yearly based paid monthly, but you can fire us at any point if you're not happy with the service. So I assume that I've I've obviously have to go to my employer and and give them the change of details for superannuation. I think that's probably the only thing you'll have to do if we do end up changing it around. We'll pretty Yep. much do pre fill forms, applications, all that thing for you. Alright. Because I'm fairly sure that they are not in the industry specific themselves because the number of people that they've got working for them that have probably come on board. So maybe, you know, finance might have a ten minute job that they're gonna change all that around for them.","start_word":2283,"end_word":2645,"sentiment":"neutral","sentiment_score":0.0627737225087221},{"text":"It's bad luck, I suppose, isn't it?","start_word":2646,"end_word":2652,"sentiment":"negative","sentiment_score":-0.41497111320495605},{"text":"Yeah. But your your job service agency, they seem to be they would be pretty flexible. I'm assuming there'd be no EBAs or bargaining agreements restricting you. No.","start_word":2653,"end_word":2680,"sentiment":"neutral","sentiment_score":-0.14531131088733673},{"text":"Because I went to them with this superannuation.","start_word":2681,"end_word":2688,"sentiment":"negative","sentiment_score":-0.33551153540611267},{"text":"It wasn't like I've been working there for the last decade, and then this is their nominated super super fund that I I had Hester sort of long story short, when I started with disability sector twenty years ago, whoever I was working with then automatically just went straight on to Hester. So I had small other ones. I think I had a c c bus, like, superannuation at the time. And Yep. I And just, you've carried that with you to this place. yeah, just folded everything over into one. I sort of left it like most most young boys, we don't think of these things and left it going and got a statement. And then, Jesus, I've lost a few dollars in in fees here. And just said Yeah. transfer it over. And that's the So thing is when we go through it, we're gonna obviously factor in fees. Look. I'm not gonna smoke and mirror you with projections and things like that. They'll be included to show the impact of the advice. But, basically, you hold us to account every quarter, every year. I'll be sending you reports about how it's gone after fees, and we talk about the market. We talk about how it's going.","start_word":2689,"end_word":2897,"sentiment":"neutral","sentiment_score":0.018400229513645172},{"text":"If you're happy, you're happy.","start_word":2898,"end_word":2902,"sentiment":"positive","sentiment_score":0.4112286269664765},{"text":"If you're not, we change it, or we say see you later. Yep. Alright. No. Look. I'm I'm happy with that. Just that whole as I said, that that one spit and twice shining on Cali For me and with with this, I said, with the health too, I don't wanna get this sort of stuck in somewhere and then find out if I can't access it for another twelve months or something. I need it now. Although, it's just that I can't relate, so I'm 60. But Yeah. I'm No. If assuming something happens with your health, you can you can trigger conditions of release there, and, basically, our job is to go to bat for you with the providers and get it all released and structured so you can access it. So that's, Yep. again, probably the main health is when that happens, you let us know, and we jump onto it for you. Yep. That's just one I of do those have things. to ask you one other thing with the estate planning, though. Sorry. You've got Rosalyn there as your beneficiary for, like, Yep. the Correct. life insurance and the super. Yes. Like, you've have you already sorted out, like, a will and a power of attorney or everything, Yeah. or is that still Yeah. That's fine. Not my problem when I'm dead.","start_word":2903,"end_word":3129,"sentiment":"neutral","sentiment_score":0.0050860056202317126},{"text":"But I I started my way of thinking this and I don't know if you can do this.","start_word":3130,"end_word":3147,"sentiment":"negative","sentiment_score":-0.3649215698242187},{"text":"It would be about I I intend to sell all my homes all my homes to the kids prior to everything. Okay. I'm one that sounds probably weird. I actually have a lot of faith in my older son who is a a good young bloke that you know? And my theory is, guys, once you sell me that and then I put all the cash in the fucking tin in the backyard, you can have a way over time having a treasure hunt, and then there's no probate or any bullshit like that. We'll have we'll have a good time before we go because I hear horror stories of people dealing with probate and and all that stuff.","start_word":3148,"end_word":3266,"sentiment":"neutral","sentiment_score":-0.11560484766960144},{"text":"And it's like, fuck. Our government just wanna rob us blind, alive Yeah. and dead.","start_word":3267,"end_word":3281,"sentiment":"negative","sentiment_score":-0.5514088273048401},{"text":"That's why I wanted to ask you because you can if you wanted to, you could do a $25 will kit from the post office. You can do a $25 power of attorney kit for when your health goes, and Rosalind's got an easier time dealing with the doctors and the bank accounts and everything unless it's all joined. No.","start_word":3282,"end_word":3341,"sentiment":"neutral","sentiment_score":0.07251165062189102},{"text":"It's unfortunately, my bank account, we for whatever reason, we've always been his and hers or and we've never the client have never met. We just she's got her bank account.","start_word":3342,"end_word":3372,"sentiment":"negative","sentiment_score":-0.3717910945415497},{"text":"I've got mine. And that's it. K. So It might if something happens and you go in a coma, they won't be able to access it unless they go to the court. have been I would Yep. recommend a power of attorney even if you go to the post office for $25 and put her down so that she can bypass that. I'm gonna recommend Yep. it, but it's up to you if you wanna do it. Yeah. Look, I suppose, again, one of those things you just don't think of it. None of us think we haven't dropped it, do we? No. But it happens. And So it probably I happens suppose when you least expect it too. yeah. And that's that's the the one thing the the other side of the coin for me, mate.","start_word":3373,"end_word":3509,"sentiment":"neutral","sentiment_score":-0.04292318246660441},{"text":"There's not much money in my bank account.","start_word":3510,"end_word":3517,"sentiment":"negative","sentiment_score":-0.34251153469085693},{"text":"A lot of lot of red figures, not many black. Gotcha. Got the cars, the credit card, the investment property, the mortgage. Hey. Look. Got a couple Yeah. of properties, a little bit of super there.","start_word":3518,"end_word":3553,"sentiment":"neutral","sentiment_score":0.027914049103856087},{"text":"Like, everyone's gonna be very appreciative as long as you get to enjoy enjoy those years. And the treasure hunt sounds fantastic. Yeah. Just keep all the kids happy then that give them something to think about.","start_word":3554,"end_word":3590,"sentiment":"positive","sentiment_score":0.5357112288475037},{"text":"What was this kid's keeping our boss to thinking? I can remember him rooting around in the back of you with a shovel one day. Speaking of rooting around, you've just got the one boy, don't you? Sorry? The Sun Bear, do you have anyone else with any other partners that we have to worry about when it comes to estate planning? I've I've got four children. Now they're all well, the oldest son's single at the moment, and I think he's gonna keep it that way for a while.","start_word":3591,"end_word":3680,"sentiment":"neutral","sentiment_score":-0.07351318746805191},{"text":"He's had a a a run at a poor experience.","start_word":3681,"end_word":3690,"sentiment":"negative","sentiment_score":-0.35565701127052307},{"text":"My second son's on the spectrum. So, you know, chasing girls is just not nothing he can really see. My oldest Yep. daughter's in a relationship that will probably go pear shape. I'm hoping sooner rather than later. Not because I this girl wanted to be single, but just she can find someone better. And when she Yeah.","start_word":3691,"end_word":3748,"sentiment":"neutral","sentiment_score":-0.16717886487985478},{"text":"finds someone that has got an issue, my youngest daughter, yeah, good luck with anybody who wants to try and tame her.","start_word":3749,"end_word":3770,"sentiment":"positive","sentiment_score":0.35759788751602173},{"text":"God.","start_word":3771,"end_word":3771,"sentiment":"neutral","sentiment_score":0.23548942804336548},{"text":"Yeah. Good luck there.","start_word":3772,"end_word":3775,"sentiment":"positive","sentiment_score":0.4555645883083343},{"text":"Gotcha. Gotcha. So is everyone pretty well outside of one 16 year old? Everyone else is over 18? Yeah. So the youngest six to eight mil got a 20, 22, and a 27 Twenty year old. 22 and 27. Just gonna write that Yep. down. Look. Again, my suggestion is try and put something in writing so that if you don't get a chance to sell everything off in time, at least there's something there so it's easier on them. Again, up to you if you wanna do that, but definitely in that situation, it it would be helpful for them. Yep. Yep. No. I probably will.","start_word":3776,"end_word":3882,"sentiment":"neutral","sentiment_score":0.07266134023666382},{"text":"I just like I say, you know, tomorrow never comes when it does come, and and complacency is bloody rude of that, I think. Just never thought about it.","start_word":3883,"end_word":3911,"sentiment":"negative","sentiment_score":-0.38725224137306213},{"text":"Although, funny as that, the better half and I have been discussing this, obviously, with my with my health issues, she's just a bit worried. Just yeah. It's just a matter of walking in there and going, I need a pair of attorney kit. There's only $25. Can I have that? And we're done. Yep. Go home, fill it in, get a witness.","start_word":3912,"end_word":3974,"sentiment":"neutral","sentiment_score":0.024633726105093956},{"text":"Happy days.","start_word":3975,"end_word":3976,"sentiment":"positive","sentiment_score":0.39439916610717773},{"text":"Yeah. No. I'll probably I will take that advice on board. That'd be one thing I will take on board Cool. because, yeah, you're mad if you don't. Alright. So last two questions for you. You Yep. came out growth on the risk profile, like, half a point above where you currently are on a risk level. Do you wanna aim for slightly more growth in returns than what you're currently getting or keep it at the Give same me risk a heads level? up. Yeah. No. Let's roll the doors. Let's let's let's roll the doors. K? So we're gonna go basically from about 75% growth assets to about eighty, eighty five. Yep.","start_word":3977,"end_word":4090,"sentiment":"neutral","sentiment_score":0.00319337047505797},{"text":"I'm gonna try and keep it nice, low fee investments for you, steady ship, just direct, buy some shares, buy some property, buy some gold.","start_word":4091,"end_word":4115,"sentiment":"positive","sentiment_score":0.4452245235443115},{"text":"And that way, you Yep. don't have to deal with weird fund managers or fancy schemes or anything out of the ordinary. Not yet. I'm happy with that. I'm not into all that other stuff. I'm sort of just something's tried and true and proven. You know? Yeah. Yeah. You might you might miss out all if we got this return on it. Yeah.","start_word":4116,"end_word":4179,"sentiment":"neutral","sentiment_score":0.05037303641438484},{"text":"You took the gamble and paid it off for you. Good luck to you.","start_word":4180,"end_word":4193,"sentiment":"positive","sentiment_score":0.3649069666862488},{"text":"I don't sit back Yeah. there and go.","start_word":4194,"end_word":4201,"sentiment":"neutral","sentiment_score":-0.12628602981567383},{"text":"But I'm not jealous of that shit. I just I'm I'm getting too off that crap.","start_word":4202,"end_word":4217,"sentiment":"negative","sentiment_score":-0.4621228277683258},{"text":"I really am, mate. You know, if some people have been fortunate enough at the high risk level, good luck to them. Me? Yeah. I'll still live with what I've got. No. That's perfect. So most of the things that we're doing is we do I'm not gonna throw too much jargon at you, but it's basically ETFs, and they just buy those top 500 companies in The US, top 200 in Australia, gold property. It's just direct to market and just bypass everything. So that way, you basically know directly what assets you're holding. Yes. Cool. I'll put that together in plan. We've got you booked in for Tuesday. I'm not gonna recommend anything when it comes to contributions because, obviously, you said you've got the mortgage to finish off, the invested property, and saving in the bank. So I don't think you wanna Yep. do a bit of salary sacrifice or anything like that at the moment. That sound about right? My my goal is to to to plate my buddy bank debts as quick as I can. The only thing I might do in a few years' time if we get there together is basically you hit 60 if you're still working.","start_word":4218,"end_word":4422,"sentiment":"neutral","sentiment_score":0.09978900849819183},{"text":"You can flip your super over to a transition pension. You pull 10% out, put 10% back in, claim it as a tax deduction. Tax differences goes in and boost up the super a little bit, but it should save you maybe 22<unk> on the dollar after 60. Yeah. See, that's worth that's well worth. And look, that's gotta be worth considering, you know, when you look at the that's what the smart people do with it really.","start_word":4423,"end_word":4501,"sentiment":"positive","sentiment_score":0.4897047281265259},{"text":"Yeah. Yeah. And it's a little bit tricky to set up because you gotta open up a pension account, make sure you roll the money out, get it flowing back in. We'll do all the calculations for you, and it's not until you hit 60 anyway. But I'm just gonna put a note down as a future strategy there. Yep. Alright. Too easy.","start_word":4502,"end_word":4564,"sentiment":"neutral","sentiment_score":0.1193639114499092},{"text":"Cool.","start_word":4565,"end_word":4565,"sentiment":"positive","sentiment_score":0.4548388123512268},{"text":"Ivan, any questions for me before I let you go, sir? No. No. I think you've along with journey with the conversation, you've probably answered everything. You've just as I said, I feel a little bit more comfortable. Not a 100%. I'm not gonna lie about it. But I don't think you ever will be until you, like, give it a go and you see some results. And to be honest, whatever happens in the market, if everything goes well, we're gonna look a lot better.","start_word":4566,"end_word":4651,"sentiment":"neutral","sentiment_score":0.10526090115308762},{"text":"If it goes bad, we're gonna look a lot worse.","start_word":4652,"end_word":4661,"sentiment":"negative","sentiment_score":-0.37714722752571106},{"text":"But, look, all I'll do is put together a plan. You make sure you're comfortable, and we'll go from there. But but but that's the case with with superannuation.","start_word":4662,"end_word":4690,"sentiment":"neutral","sentiment_score":0.12564165890216827},{"text":"I I've seen some hard stories at the moment. Not not a great I don't again, don't take a great deal of notice. But there seems to be issues with the superannuation funds, whether they're being held accountable enough or they're transparent enough with with people I don't know.","start_word":4691,"end_word":4739,"sentiment":"negative","sentiment_score":-0.41391345858573914},{"text":"But it just sort of seems to be even they themselves have got this little bit of a blanks payout over and go, oh, we've got money.","start_word":4739,"end_word":4765,"sentiment":"neutral","sentiment_score":-0.3038038909435272},{"text":"Skip shit for you if this goes fair show.","start_word":4766,"end_word":4774,"sentiment":"negative","sentiment_score":-0.5323472023010254},{"text":"Our CEOs and all that again still get paid well. Yeah. It's the pointing fingers because when you've got the layers of a super fund, the fund managers that invest your money and the financial advisers that are recommending So it and strategizing it, then their licensee who looks after them, you've got four different groups who are all just trying to point fingers at each other because they don't wanna be stiffed up for $200,000,000. You know what I mean? Yeah. Yeah. Yeah.","start_word":4775,"end_word":4858,"sentiment":"neutral","sentiment_score":-0.0836535319685936},{"text":"And that seems to be the problem. It it might a $100 120 grams for them might not be a lot who gives a shit. It's my fault. It's kind of superannuation.","start_word":4859,"end_word":4890,"sentiment":"negative","sentiment_score":-0.47391724586486816},{"text":"Yeah. So that's how I look at it now. They could blow 10% of everyone's off the top. So sometimes that that 10% between, you know, a good life and a shitty life at retirement. It's it's $12 out of my that's brings me from 120 down to a 108.","start_word":4891,"end_word":4940,"sentiment":"neutral","sentiment_score":-0.19006283581256864},{"text":"And I said, shit. I can't afford to lose much more than that.","start_word":4941,"end_word":4953,"sentiment":"negative","sentiment_score":-0.5608118176460266},{"text":"Yeah. You're exactly So right. that's how I look at it. What I'm sort of thinking is if we get it in that sort of growth sector I'm talking about, let's say markets kick back up second half of this year because everything kind of settles down a bit on the news and you get some good growth out of it. We're pretty much gonna spend the next five to seven years together just gradually reducing the risk down from, like, 80%, seventy, sixty, fifty, forty just to Yep. make sure that, yeah, you're growing it, but the volatility just lessens and lessens the closer to the point where you need to access it. So with with your investments, where where does most of it look at? Like, obviously, at the moment and look, I'm a renewable energy fan. Do I believe renewable energy will run a tractor the size of Australia? In my opinion, no. Based No. on listening to people that live renewable energy, off grid living and all that shit, whatever. Where do you invest? Like, how do you look at the markets and get we we know that oil at the moment is sort of getting a battery and thinking that not a future.","start_word":4954,"end_word":5161,"sentiment":"neutral","sentiment_score":0.04495924435412654},{"text":"But if a company in Australia said, look, we've just found the biggest fucking oil reserves in Australia, we've got we've got two hundred years of oil reserves to meet the needs of this population of 27,000,000 and drop Yeah.","start_word":5162,"end_word":5201,"sentiment":"negative","sentiment_score":-0.4088171422481537},{"text":"price of fuel up at a dollar a liter, or do you look at is it renewable energy? Is it the mining sector for gold and copper? Where do they actually invest? Alright. Great question. So most of those super funds, they're very, very slow moving ships, and they've distributed their money out to ten, twenty, 30 fund managers across the planet. And they're investing in a little bit of everything, but they're not too heavily leaning in they're not concentrated or high conviction is the words I would use. There's no, we're gonna take a bet on this because it's looking good. It's just steady ship steady ship going in one direction. So the what we kind of do that's slightly different is 80% of it's kind of steady ship down the middle, low fees, just, you know, top companies, top properties, top gold, that kind of thing. And then the other ten twenty, we kind of split it out to different sectors. I think we had some clients in battery tech and lithium for some green energy, and they were jumping up sixty, eighty, 90%, but only a small portion of the money goes in there because, again, I can't have your super going from one twenty to 30 and then up to 200.","start_word":5202,"end_word":5417,"sentiment":"neutral","sentiment_score":-0.08348128199577332},{"text":"Like, that's just too volatile for you.","start_word":5418,"end_word":5424,"sentiment":"negative","sentiment_score":-0.5133566856384277},{"text":"Does that make Yep. sense? It does. So, obviously, it's it's quite well, one would assume another of caution as well. Again, if you look at the well, everyone's look at The Middle East and Iran and The US, and I think there's no something like a hundred and thirty forty different conflicts going on in the world. We're focusing on Buddy One. Like, you know, this is the magic ball stuff, and I suppose it would relate to nearly every investor or every every pun that you're dealing with. Is how do you determine the the market? Like, if if things really turn to shit in The Middle East, which really they've been like that for the last thirty odd years, Yeah. what happens then to the markets? Like, do do you withdraw from the oil sector and go heavily to dip something else? Or is it too late? Or is it because the small proportion also my my in my money is invested in that, you know what, we're gonna have to take a hit from that because we're gonna pick it up somewhere else. Yeah. You're pretty much getting close to the mark there. When it comes to whether you just take the hit or not, most of what we do I don't wanna use the buzzword long term, but those crises that tend to happen every seven years or so, GFC, .com bubble, nine eleven, COVID, Iran war, all that kind of thing, is for the majority of it, you go law of averages. And you say, okay. If this averages out at double digits, 10% over a hundred years despite there being three wars of pandemic and multiple financial crises, it's pretty reliable to kind of stick the ship as long as you've got the time. So, again, 30 year Yep. old's got thirty years. No worries. Someone who's 60 and about to retire in twelve months, they can't be waiting five years for it to bounce back. So that's where we need to go a little bit more careful.","start_word":5425,"end_word":5769,"sentiment":"neutral","sentiment_score":-0.08512380375270394},{"text":"We don't, I guess, react to the news and go, oh my god. This has just crashed.","start_word":5770,"end_word":5786,"sentiment":"negative","sentiment_score":-0.4698857069015503},{"text":"Let's hop out of it and crystallize the loss. But there is a little bit of foresight to say, hey.","start_word":5787,"end_word":5806,"sentiment":"neutral","sentiment_score":-0.10172808170318604},{"text":"Inflation is starting to pick up.","start_word":5807,"end_word":5812,"sentiment":"negative","sentiment_score":-0.3584572374820709},{"text":"Yep. These sectors and countries seem to be on a bit of a bad trend over the next five, ten years, so we'll just pivot away a little bit and pivot more towards these guys. And it just gets you that extra one or 2%.","start_word":5813,"end_word":5857,"sentiment":"neutral","sentiment_score":-0.10607275366783142},{"text":"That's kind of the game changer, if that makes sense.","start_word":5858,"end_word":5867,"sentiment":"positive","sentiment_score":0.4467850029468536},{"text":"We're not trying It to day trade it. We're gonna hop on and go, oh, we're selling you to cash today to avoid the drop, and I'll throw you back in in a week, and you won't lose any money.","start_word":5868,"end_word":5907,"sentiment":"neutral","sentiment_score":0.002685044426470995},{"text":"We can't do that.","start_word":5908,"end_word":5911,"sentiment":"negative","sentiment_score":-0.43105819821357727},{"text":"does. Yes. No. I get that. That's alright. Look, I've got I've got a gal with Casperbury. So No. That's alright, Ivan, mate.","start_word":5912,"end_word":5934,"sentiment":"neutral","sentiment_score":0.12430159747600555},{"text":"I've got everything I need.","start_word":5935,"end_word":5939,"sentiment":"positive","sentiment_score":0.5028129816055298},{"text":"I'll put together a plan for Tuesday, and we'll talk then. alright. Alright. 286, sir.","start_word":5940,"end_word":5954,"sentiment":"neutral","sentiment_score":0.22735261917114255},{"text":"Thanks, Ivan. Talk soon, mate.","start_word":5955,"end_word":5959,"sentiment":"positive","sentiment_score":0.5034984946250916},{"text":"Yeah. Say it. Bye.","start_word":5960,"end_word":5963,"sentiment":"neutral","sentiment_score":0.19751191139221191}],"average":{"sentiment":"neutral","sentiment_score":-0.015032176164357591}}}}