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No. That's okay. Did you still need any help or assistance in that area at all? Right. That's correct. Yes. As I mentioned, my name is Dana. I'm one of the financial advisers here at Oakview Financial. So the girls have let me know you've called in just looking to try and get someone off advice there and maybe some assistance. So we thought we'd give you a call, find out a bit more about what you're after, and then we can sort of see if there's something we can help you and go forward from for you. Is that okay? Yeah. Yes. Yes. Mhmm. Mhmm. Yes. Yep. Yeah. Absolutely. Well, to give you an idea of how financial advice works, have you, to start up with, ever spoken to an adviser before or ever sought financial advice in the past? No. That's that's okay. So, essentially, how financial advice works and what we do as advisers is we start off by having a full initial consultation with yourself. And if there's other members in the staff on your super fund, we would probably need to include that as well so that all members have a bit of say because your funds do a a combination of all members and contributions. So what we essentially do is we have an initial consultation with you. We go into detail, do a bit of research around all of your circumstances, the balance, what you have invested, where the money in is invested. Well, we do a risk profile analysis with you so we work out what your, tolerance is, what sort of investments you're after, what your time horizon is, and what sort of risk you're willing to take, and talk about the different options available to you. And then we do draw up a plan, so it takes a couple of weeks to go back and do a bit of research on all the different options out there for you. And then we draw up a plan that is there to help you meet your goal, to help you get the outcome that you're after. I would need to maybe do probably initial consultation and go through a bit more detail with you, which I could do over the phone. Or if you wanted to come into the office, we could do that together. That's absolutely fine. If you're not sort of after that kind of advice, I could just have a general chat with you now and maybe give you some general information or general advice around what options might be available to you. Or we can also, depending on the outcome, also do up a bit of a strategy paper, which gives you some options for investments, and that's completely complimentary. Yeah. Yep. Yeah. No. Understandable. Do you mind if I ask, Ernie, how much do you have in cash at the moment? Okay. So you've got a pretty decent balance in cash. And with the the property in the fund, do you have any loans owing on any of the properties, or are they all debt free? Nope. Okay. Perfect. Debt free. Beautiful. Well, would you be open to maybe coming in? Because you're sorry. Whereabouts are you local? I do apologize. I don't have your address here in front of me. Whereabouts are you located? Okay. Beautiful. Because we're in Southport. Would you be open to maybe doing an initial consultation with me here in the office to go through your goals and everything in detail, or did you prefer to do something over phone, or would you like to how would you like to sort of look at doing the research with me? Yeah? Yeah. Yeah. Yes. Yep. Yep. That's okay. Yeah. No. That's okay. That's absolutely. Well, what I'll do because I don't believe the girls have sent out much of an email to you recently. So I'll get them to send out an email to you just with our copy of our financial services guide so you can get a bit of detail around us, who we are, what we do, and how we do it. We do need to go through a bit of a research of fact find with you and sort of get an understanding of the assets, your liabilities, what your goals are. Did you want me to maybe get them to send the fact find out to you prior so you can have a look over the information that we would be looking to talk to you about and the information we'd be seeking in order to provide financial advice? Yep. Yep. Beautiful. And in the I do. Yeah. So I've got ernie dot h at dadbar dot com dot a u. Is that right? Yeah. Beautiful. Dadbar is d a b b a r. Is that spelled correctly? Yeah. Beautiful. Beautiful. I'd definitely love to go through and have a chat with you. Probably in person tends to make it a bit easier, and it kinda brings a bit more face to face. You can see what I look like coming to the office here. Sometimes it can be a bit more comfortable for you when we are discussing your personal information, your super fund. I mean, you've worked so hard to build this fund up to what it is, so we wanna make sure you are comfortable going through all of that. So if you're comfortable, I would love to meet you in person and do a full proper initial consultation, go through everything in detail with you, talk about what your goals are. You can put forward the things that you've definitely looked at. We can talk about your interests, and then have a more detailed conversation around your risk capacity, what you're after, and the tolerance, and really sorta nut down, you know, how we can help you moving forward. Is that okay? Yeah. Yeah. Yep. Absolutely. Not a problem at all. Now I will also pop in the email our fee structure. So I've got down here that you are looking for one off advice. You're not sort of wanting anyone to manage that. Is that right? Yep. That's, yeah. That's absolutely okay. So to give you an idea, I wanna make sure that you're aware of things in advance. Essentially, with our fee structure for one off advice, we would be looking to charge just an upfront implementation fee. It can be paid for however is more convenient for yourself. It could be out of pocket, or we can invoice the super fund for that. It's absolutely fine. But the fee itself is we're just looking at charging for what we invest. So if we're looking at the money that's in the cash account, we charge sorry. It's 3.3%, and it's capped at balances of a 150,000. So the most anyone pays for that implementation fee is $4,950. We would invoice the the fund to have that paid. And, yeah, look, at the end of the day, everything we do up until the point we you decide to come on board and take on the advice, we generally do it complimentary. But I think first things first, we'll just go through the the initial consultation, get a bit more detail around you guys, what you're after, get some more research in the fund there, and I'll pop that fee structure into the email for you as well so you have that nice and clear. Is that okay? Yeah. That's okay. Do you have any questions so far at all? No. Yeah. All good, Annie. Well, look, it was absolutely absolutely fabulous to get to know you this morning and have a bit of a quick chat. I do apologize. It was very limited as to what we can do. I just wanted to sort of touch base to begin with, give you an idea of how things work with financial advice, what the, you know, one off fee might look like for the advice that we are providing, and just sort of give you a bit more detail there. And then, you know, we can come together. You can see us here in the office, then we can, you know, go through a bit more detail around what you're after, your goals, your objectives, and see how we can help you moving forward. That's okay. Not a problem at all. And just to double clarify, you mentioned that there was another member of your fund as well. Is that your partner, your wife, or wife yet beautiful? Would she be able to join us at all to go through things? Yeah. No. That's okay. Sometimes I do it is a bit hard for some of my clients who are couples to get involved. So I have done appointments where we might have teams on in the office where one person's here, another person's or somebody else on the phone. So just wanted to clarify so we can accommodate for, you know, you guys if you are having trouble working your schedules together. Okay. All good. My pleasure, Ernie. I'll get that email sent up shortly for you, clarifying the things that we've gone through. I'll outline a bit more detail there for you to run through another financial services guide there. You will also have my contact, and I'll cc in my administration team as well, and they'll just follow-up to make a time to have an initial consultation with you both. Okay? Thank you so much for your time, miss Monie. 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Ernie. This is Dana from OKIE Financial. How are you this morning? OKIE Financial. You called in the other day asking to seek someone advice?\n\nYes. See, that's okay. The yes. Correct. No.\n\nThat's okay. Did you still need any help or assistance in that area at all? Right. That's correct. Yes.\n\nAs I mentioned, my name is Dana. I'm one of the financial advisers here at Oakview Financial. So the girls have let me know you've called in just looking to try and get someone off advice there and maybe some assistance. So we thought we'd give you a call, find out a bit more about what you're after, and then we can sort of see if there's something we can help you and go forward from for you. Is that okay?\n\nYeah. Yes. Yes. Mhmm. Mhmm.\n\nYes. Yep. Yeah. Absolutely. Well, to give you an idea of how financial advice works, have you, to start up with, ever spoken to an adviser before or ever sought financial advice in the past?\n\nNo. That's that's okay. So, essentially, how financial advice works and what we do as advisers is we start off by having a full initial consultation with yourself. And if there's other members in the staff on your super fund, we would probably need to include that as well so that all members have a bit of say because your funds do a a combination of all members and contributions. So what we essentially do is we have an initial consultation with you.\n\nWe go into detail, do a bit of research around all of your circumstances, the balance, what you have invested, where the money in is invested. Well, we do a risk profile analysis with you so we work out what your, tolerance is, what sort of investments you're after, what your time horizon is, and what sort of risk you're willing to take, and talk about the different options available to you. And then we do draw up a plan, so it takes a couple of weeks to go back and do a bit of research on all the different options out there for you. And then we draw up a plan that is there to help you meet your goal, to help you get the outcome that you're after. I would need to maybe do probably initial consultation and go through a bit more detail with you, which I could do over the phone.\n\nOr if you wanted to come into the office, we could do that together. That's absolutely fine. If you're not sort of after that kind of advice, I could just have a general chat with you now and maybe give you some general information or general advice around what options might be available to you. Or we can also, depending on the outcome, also do up a bit of a strategy paper, which gives you some options for investments, and that's completely complimentary. Yeah.\n\nYep. Yeah. No. Understandable. Do you mind if I ask, Ernie, how much do you have in cash at the moment?\n\nOkay. So you've got a pretty decent balance in cash. And with the the property in the fund, do you have any loans owing on any of the properties, or are they all debt free? Nope. Okay.\n\nPerfect. Debt free. Beautiful. Well, would you be open to maybe coming in? Because you're sorry.\n\nWhereabouts are you local? I do apologize. I don't have your address here in front of me. Whereabouts are you located? Okay.\n\nBeautiful. Because we're in Southport. Would you be open to maybe doing an initial consultation with me here in the office to go through your goals and everything in detail, or did you prefer to do something over phone, or would you like to how would you like to sort of look at doing the research with me? Yeah? Yeah.\n\nYeah. Yes. Yep. Yep. That's okay.\n\nYeah. No. That's okay. That's absolutely. Well, what I'll do because I don't believe the girls have sent out much of an email to you recently.\n\nSo I'll get them to send out an email to you just with our copy of our financial services guide so you can get a bit of detail around us, who we are, what we do, and how we do it. We do need to go through a bit of a research of fact find with you and sort of get an understanding of the assets, your liabilities, what your goals are. Did you want me to maybe get them to send the fact find out to you prior so you can have a look over the information that we would be looking to talk to you about and the information we'd be seeking in order to provide financial advice? Yep. Yep.\n\nBeautiful. And in the I do. Yeah. So I've got ernie dot h at dadbar dot com dot a u. Is that right?\n\nYeah. Beautiful. Dadbar is d a b b a r. Is that spelled correctly? Yeah.\n\nBeautiful. Beautiful. I'd definitely love to go through and have a chat with you. Probably in person tends to make it a bit easier, and it kinda brings a bit more face to face. You can see what I look like coming to the office here.\n\nSometimes it can be a bit more comfortable for you when we are discussing your personal information, your super fund. I mean, you've worked so hard to build this fund up to what it is, so we wanna make sure you are comfortable going through all of that. So if you're comfortable, I would love to meet you in person and do a full proper initial consultation, go through everything in detail with you, talk about what your goals are. You can put forward the things that you've definitely looked at. We can talk about your interests, and then have a more detailed conversation around your risk capacity, what you're after, and the tolerance, and really sorta nut down, you know, how we can help you moving forward.\n\nIs that okay? Yeah. Yeah. Yep. Absolutely.\n\nNot a problem at all. Now I will also pop in the email our fee structure. So I've got down here that you are looking for one off advice. You're not sort of wanting anyone to manage that. Is that right?\n\nYep. That's, yeah. That's absolutely okay. So to give you an idea, I wanna make sure that you're aware of things in advance. Essentially, with our fee structure for one off advice, we would be looking to charge just an upfront implementation fee.\n\nIt can be paid for however is more convenient for yourself. It could be out of pocket, or we can invoice the super fund for that. It's absolutely fine. But the fee itself is we're just looking at charging for what we invest. So if we're looking at the money that's in the cash account, we charge sorry.\n\nIt's 3.3%, and it's capped at balances of a 150,000. So the most anyone pays for that implementation fee is $4,950. We would invoice the the fund to have that paid. And, yeah, look, at the end of the day, everything we do up until the point we you decide to come on board and take on the advice, we generally do it complimentary. But I think first things first, we'll just go through the the initial consultation, get a bit more detail around you guys, what you're after, get some more research in the fund there, and I'll pop that fee structure into the email for you as well so you have that nice and clear.\n\nIs that okay? Yeah. That's okay. Do you have any questions so far at all? No.\n\nYeah. All good, Annie. Well, look, it was absolutely absolutely fabulous to get to know you this morning and have a bit of a quick chat. I do apologize. It was very limited as to what we can do.\n\nI just wanted to sort of touch base to begin with, give you an idea of how things work with financial advice, what the, you know, one off fee might look like for the advice that we are providing, and just sort of give you a bit more detail there. And then, you know, we can come together. You can see us here in the office, then we can, you know, go through a bit more detail around what you're after, your goals, your objectives, and see how we can help you moving forward. That's okay. Not a problem at all.\n\nAnd just to double clarify, you mentioned that there was another member of your fund as well. Is that your partner, your wife, or wife yet beautiful? Would she be able to join us at all to go through things? Yeah. No.\n\nThat's okay. Sometimes I do it is a bit hard for some of my clients who are couples to get involved. So I have done appointments where we might have teams on in the office where one person's here, another person's or somebody else on the phone. So just wanted to clarify so we can accommodate for, you know, you guys if you are having trouble working your schedules together. Okay.\n\nAll good. My pleasure, Ernie. I'll get that email sent up shortly for you, clarifying the things that we've gone through. I'll outline a bit more detail there for you to run through another financial services guide there. You will also have my contact, and I'll cc in my administration team as well, and they'll just follow-up to make a time to have an initial consultation with you both.\n\nOkay? Thank you so much for your time, miss Monie. I hope you have a lovely day.","paragraphs":[{"sentences":[{"text":"Hi, Ernie.","start":2.0,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.24340525269508362},{"text":"This is Dana from OKIE Financial.","start":2.6399999,"end":4.26,"sentiment":"neutral","sentiment_score":0.2728920479615529},{"text":"How are you this morning?","start":4.4,"end":5.62,"sentiment":"positive","sentiment_score":0.41658617854118346},{"text":"OKIE Financial.","start":7.12,"end":8.18,"sentiment":"neutral","sentiment_score":0.03172488324344158},{"text":"You called in the other day asking to seek someone advice?","start":8.4,"end":11.7,"sentiment":"neutral","sentiment_score":-0.04383364743129774}],"sentiment":"neutral","sentiment_score":0.14570666656184655,"num_words":26,"start":2.0,"end":11.7},{"sentences":[{"text":"Yes.","start":16.175,"end":16.655,"sentiment":"neutral","sentiment_score":0.04360957443714142},{"text":"See, that's okay.","start":16.655,"end":17.715,"sentiment":"neutral","sentiment_score":0.061367454628149666},{"text":"The yes.","start":17.775,"end":19.295,"sentiment":"neutral","sentiment_score":0.05519571900367737},{"text":"Correct.","start":19.295,"end":19.795,"sentiment":"neutral","sentiment_score":0.08640152215957642},{"text":"No.","start":19.855,"end":20.015,"sentiment":"neutral","sentiment_score":-0.09418962150812148}],"sentiment":"neutral","sentiment_score":0.04128940962255001,"num_words":8,"start":16.175,"end":20.015},{"sentences":[{"text":"That's okay.","start":20.015,"end":20.735,"sentiment":"neutral","sentiment_score":-0.002784784883260727},{"text":"Did you still need any help or assistance in that area at all?","start":20.735,"end":24.275,"sentiment":"neutral","sentiment_score":-0.012240985265144935},{"text":"Right.","start":32.57,"end":33.07,"sentiment":"neutral","sentiment_score":0.06265995651483536},{"text":"That's correct.","start":37.605003,"end":38.505,"sentiment":"neutral","sentiment_score":0.12778625637292862},{"text":"Yes.","start":38.565002,"end":39.045002,"sentiment":"neutral","sentiment_score":0.2177552580833435}],"sentiment":"neutral","sentiment_score":0.019541334164770024,"num_words":19,"start":20.015,"end":39.045002},{"sentences":[{"text":"As I mentioned, my name is Dana.","start":39.045002,"end":40.405003,"sentiment":"neutral","sentiment_score":0.20595989056995936},{"text":"I'm one of the financial advisers here at Oakview Financial.","start":40.405003,"end":42.885002,"sentiment":"neutral","sentiment_score":0.19693288207054138},{"text":"So the girls have let me know you've called in just looking to try and get someone off advice there and maybe some assistance.","start":42.885002,"end":48.265,"sentiment":"neutral","sentiment_score":0.09574375332643588},{"text":"So we thought we'd give you a call, find out a bit more about what you're after, and then we can sort of see if there's something we can help you and go forward from for you.","start":48.325,"end":56.969997,"sentiment":"neutral","sentiment_score":0.2985461128724588},{"text":"Is that okay?","start":56.969997,"end":57.789997,"sentiment":"neutral","sentiment_score":0.15098283688227335}],"sentiment":"neutral","sentiment_score":0.2124450965612023,"num_words":81,"start":39.045002,"end":57.789997},{"sentences":[{"text":"Yeah.","start":59.21,"end":59.71,"sentiment":"neutral","sentiment_score":0.04787016659975052},{"text":"Yes.","start":63.129997,"end":63.629997,"sentiment":"neutral","sentiment_score":0.1007123365998268},{"text":"Yes.","start":78.265,"end":78.765,"sentiment":"neutral","sentiment_score":0.18847189843654633},{"text":"Mhmm.","start":86.71,"end":87.21,"sentiment":"neutral","sentiment_score":0.07413288950920105},{"text":"Mhmm.","start":97.765,"end":98.265,"sentiment":"neutral","sentiment_score":-0.14634308218955994}],"sentiment":"neutral","sentiment_score":0.05296884179115295,"num_words":5,"start":59.21,"end":98.265},{"sentences":[{"text":"Yes.","start":113.21,"end":113.71,"sentiment":"neutral","sentiment_score":0.17987856268882751},{"text":"Yep.","start":113.93,"end":114.43,"sentiment":"neutral","sentiment_score":0.2448439598083496},{"text":"Yeah.","start":116.090004,"end":116.490005,"sentiment":"neutral","sentiment_score":0.2403546571731567},{"text":"Absolutely.","start":116.490005,"end":116.990005,"sentiment":"neutral","sentiment_score":-0.021011890843510628},{"text":"Well, to give you an idea of how financial advice works, have you, to start up with, ever spoken to an adviser before or ever sought financial advice in the past?","start":117.450005,"end":125.494995,"sentiment":"neutral","sentiment_score":0.10945479619887567}],"sentiment":"neutral","sentiment_score":0.11534754202834198,"num_words":35,"start":113.21,"end":125.494995},{"sentences":[{"text":"No.","start":133.075,"end":133.235,"sentiment":"neutral","sentiment_score":-0.1377790868282318},{"text":"That's that's okay.","start":133.235,"end":134.64,"sentiment":"neutral","sentiment_score":0.12314760933319728},{"text":"So, essentially, how financial advice works and what we do as advisers is we start off by having a full initial consultation with yourself.","start":134.64,"end":141.21999,"sentiment":"neutral","sentiment_score":0.28975685747961205},{"text":"And if there's other members in the staff on your super fund, we would probably need to include that as well so that all members have a bit of say because your funds do a a combination of all members and contributions.","start":141.59999,"end":152.855,"sentiment":"neutral","sentiment_score":0.17268718512994902},{"text":"So what we essentially do is we have an initial consultation with you.","start":154.275,"end":156.995,"sentiment":"neutral","sentiment_score":0.3310538805448092}],"sentiment":"neutral","sentiment_score":0.2258119342556919,"num_words":83,"start":133.075,"end":156.995},{"sentences":[{"text":"We go into detail, do a bit of research around all of your circumstances, the balance, what you have invested, where the money in is invested.","start":156.995,"end":163.97499,"sentiment":"neutral","sentiment_score":0.1975230070260855},{"text":"Well, we do a risk profile analysis with you so we work out what your, tolerance is, what sort of investments you're after, what your time horizon is, and what sort of risk you're willing to take, and talk about the different options available to you.","start":164.41,"end":176.75,"sentiment":"neutral","sentiment_score":0.16742112471357637},{"text":"And then we do draw up a plan, so it takes a couple of weeks to go back and do a bit of research on all the different options out there for you.","start":177.07501,"end":183.71501,"sentiment":"neutral","sentiment_score":0.310001735885938},{"text":"And then we draw up a plan that is there to help you meet your goal, to help you get the outcome that you're after.","start":183.71501,"end":190.21501,"sentiment":"positive","sentiment_score":0.5034792566299439},{"text":"I would need to maybe do probably initial consultation and go through a bit more detail with you, which I could do over the phone.","start":190.92,"end":196.6,"sentiment":"neutral","sentiment_score":0.17378970086574555}],"sentiment":"neutral","sentiment_score":0.2580564589750382,"num_words":155,"start":156.995,"end":196.6},{"sentences":[{"text":"Or if you wanted to come into the office, we could do that together.","start":196.6,"end":199.16,"sentiment":"neutral","sentiment_score":0.21127328808818543},{"text":"That's absolutely fine.","start":199.16,"end":200.54001,"sentiment":"positive","sentiment_score":0.4834299484888713},{"text":"If you're not sort of after that kind of advice, I could just have a general chat with you now and maybe give you some general information or general advice around what options might be available to you.","start":201.16,"end":211.425,"sentiment":"neutral","sentiment_score":0.10899898669633426},{"text":"Or we can also, depending on the outcome, also do up a bit of a strategy paper, which gives you some options for investments, and that's completely complimentary.","start":211.485,"end":219.425,"sentiment":"positive","sentiment_score":0.3566948377660343},{"text":"Yeah.","start":239.765,"end":240.265,"sentiment":"neutral","sentiment_score":-0.022233467549085617}],"sentiment":"neutral","sentiment_score":0.2204202305126403,"num_words":84,"start":196.6,"end":240.265},{"sentences":[{"text":"Yep.","start":254.66,"end":255.16,"sentiment":"neutral","sentiment_score":-0.08978184312582016},{"text":"Yeah.","start":259.335,"end":259.835,"sentiment":"neutral","sentiment_score":-0.043087832629680634},{"text":"No.","start":260.455,"end":260.855,"sentiment":"neutral","sentiment_score":-0.10930514335632324},{"text":"Understandable.","start":260.855,"end":261.355,"sentiment":"neutral","sentiment_score":-0.08342400193214417},{"text":"Do you mind if I ask, Ernie, how much do you have in cash at the moment?","start":261.73502,"end":264.955,"sentiment":"neutral","sentiment_score":-0.026306309901616153}],"sentiment":"neutral","sentiment_score":-0.036800289970068706,"num_words":21,"start":254.66,"end":264.955},{"sentences":[{"text":"Okay.","start":268.535,"end":268.935,"sentiment":"neutral","sentiment_score":0.02796347811818123},{"text":"So you've got a pretty decent balance in cash.","start":268.935,"end":271.015,"sentiment":"neutral","sentiment_score":0.08800420185758008},{"text":"And with the the property in the fund, do you have any loans owing on any of the properties, or are they all debt free?","start":271.015,"end":277.2,"sentiment":"neutral","sentiment_score":-0.010132422223687172},{"text":"Nope.","start":277.66,"end":278.16,"sentiment":"neutral","sentiment_score":-0.22355686128139496},{"text":"Okay.","start":278.94,"end":279.44,"sentiment":"neutral","sentiment_score":0.08296267688274384}],"sentiment":"neutral","sentiment_score":0.011516123103934366,"num_words":37,"start":268.535,"end":279.44},{"sentences":[{"text":"Perfect.","start":279.5,"end":280.0,"sentiment":"neutral","sentiment_score":0.2337729036808014},{"text":"Debt free.","start":280.7,"end":281.44,"sentiment":"neutral","sentiment_score":0.15586607158184052},{"text":"Beautiful.","start":281.74,"end":282.24,"sentiment":"neutral","sentiment_score":0.3203648328781128},{"text":"Well, would you be open to maybe coming in?","start":282.62,"end":284.94,"sentiment":"neutral","sentiment_score":0.07336242000261943},{"text":"Because you're sorry.","start":284.94,"end":286.225,"sentiment":"neutral","sentiment_score":-0.004588935310797145}],"sentiment":"neutral","sentiment_score":0.09452280336336116,"num_words":16,"start":279.5,"end":286.225},{"sentences":[{"text":"Whereabouts are you local?","start":286.225,"end":287.26498,"sentiment":"neutral","sentiment_score":-0.004740095231682062},{"text":"I do apologize.","start":287.26498,"end":288.065,"sentiment":"neutral","sentiment_score":-0.040836031238238014},{"text":"I don't have your address here in front of me.","start":288.065,"end":289.66498,"sentiment":"neutral","sentiment_score":-0.045594056323170665},{"text":"Whereabouts are you located?","start":289.66498,"end":290.965,"sentiment":"neutral","sentiment_score":-0.005819628247991204},{"text":"Okay.","start":293.505,"end":293.985,"sentiment":"neutral","sentiment_score":0.17525345087051392}],"sentiment":"neutral","sentiment_score":-0.020247004545209082,"num_words":22,"start":286.225,"end":293.985},{"sentences":[{"text":"Beautiful.","start":293.985,"end":294.38498,"sentiment":"positive","sentiment_score":0.33797067403793335},{"text":"Because we're in Southport.","start":294.38498,"end":295.685,"sentiment":"neutral","sentiment_score":0.19732987135648727},{"text":"Would you be open to maybe doing an initial consultation with me here in the office to go through your goals and everything in detail, or did you prefer to do something over phone, or would you like to how would you like to sort of look at doing the research with me?","start":295.905,"end":310.31998,"sentiment":"neutral","sentiment_score":0.1681993860962256},{"text":"Yeah?","start":310.94,"end":311.44,"sentiment":"neutral","sentiment_score":0.03958471864461899},{"text":"Yeah.","start":315.02,"end":315.405,"sentiment":"neutral","sentiment_score":0.03200145065784454}],"sentiment":"neutral","sentiment_score":0.16855739653110505,"num_words":60,"start":293.985,"end":315.405},{"sentences":[{"text":"Yeah.","start":317.645,"end":318.145,"sentiment":"neutral","sentiment_score":0.018079638481140137},{"text":"Yes.","start":318.685,"end":319.185,"sentiment":"neutral","sentiment_score":0.09344382584095},{"text":"Yep.","start":323.805,"end":324.305,"sentiment":"neutral","sentiment_score":0.0489974319934845},{"text":"Yep.","start":325.725,"end":326.225,"sentiment":"neutral","sentiment_score":0.06915909051895142},{"text":"That's okay.","start":326.445,"end":327.26498,"sentiment":"neutral","sentiment_score":0.1428631842136383}],"sentiment":"neutral","sentiment_score":0.08590105921030045,"num_words":6,"start":317.645,"end":327.26498},{"sentences":[{"text":"Yeah.","start":329.645,"end":330.145,"sentiment":"neutral","sentiment_score":0.03968469426035881},{"text":"No.","start":330.205,"end":330.365,"sentiment":"negative","sentiment_score":-0.3766106963157654},{"text":"That's okay.","start":330.365,"end":331.085,"sentiment":"neutral","sentiment_score":-0.1042686253786087},{"text":"That's absolutely.","start":331.085,"end":333.80002,"sentiment":"neutral","sentiment_score":0.18840406648814678},{"text":"Well, what I'll do because I don't believe the girls have sent out much of an email to you recently.","start":334.1,"end":337.46,"sentiment":"neutral","sentiment_score":-0.009779306594282389}],"sentiment":"neutral","sentiment_score":-0.014009278912383776,"num_words":26,"start":329.645,"end":337.46},{"sentences":[{"text":"So I'll get them to send out an email to you just with our copy of our financial services guide so you can get a bit of detail around us, who we are, what we do, and how we do it.","start":337.46,"end":345.705,"sentiment":"neutral","sentiment_score":0.09446886990491937},{"text":"We do need to go through a bit of a research of fact find with you and sort of get an understanding of the assets, your liabilities, what your goals are.","start":346.185,"end":353.865,"sentiment":"neutral","sentiment_score":0.06344736151156886},{"text":"Did you want me to maybe get them to send the fact find out to you prior so you can have a look over the information that we would be looking to talk to you about and the information we'd be seeking in order to provide financial advice?","start":353.865,"end":365.57,"sentiment":"neutral","sentiment_score":0.09380874518925945},{"text":"Yep.","start":367.87,"end":368.37,"sentiment":"neutral","sentiment_score":0.07431158423423767},{"text":"Yep.","start":368.83,"end":369.31,"sentiment":"neutral","sentiment_score":0.10693687200546265}],"sentiment":"neutral","sentiment_score":0.08626360736298756,"num_words":122,"start":337.46,"end":369.31},{"sentences":[{"text":"Beautiful.","start":369.31,"end":369.81,"sentiment":"neutral","sentiment_score":0.29985928535461426},{"text":"And in the I do.","start":370.19,"end":372.885,"sentiment":"neutral","sentiment_score":0.07010968327522278},{"text":"Yeah.","start":372.885,"end":373.285,"sentiment":"neutral","sentiment_score":0.05490082502365112},{"text":"So I've got ernie dot h at dadbar dot com dot a u.","start":373.285,"end":377.765,"sentiment":"neutral","sentiment_score":0.043805189430713654},{"text":"Is that right?","start":377.765,"end":378.665,"sentiment":"neutral","sentiment_score":0.04978620260953903}],"sentiment":"neutral","sentiment_score":0.06191889552966408,"num_words":23,"start":369.31,"end":378.665},{"sentences":[{"text":"Yeah.","start":380.405,"end":380.725,"sentiment":"neutral","sentiment_score":0.08983868360519409},{"text":"Beautiful.","start":380.725,"end":381.225,"sentiment":"neutral","sentiment_score":0.21416427195072177},{"text":"Dadbar is d a b b a r.","start":381.285,"end":383.36502,"sentiment":"neutral","sentiment_score":0.06829431373625994},{"text":"Is that spelled correctly?","start":383.36502,"end":384.58502,"sentiment":"neutral","sentiment_score":0.04649221710860729},{"text":"Yeah.","start":386.05002,"end":386.55002,"sentiment":"neutral","sentiment_score":0.17882046103477478}],"sentiment":"neutral","sentiment_score":0.08100978632767995,"num_words":15,"start":380.405,"end":386.55002},{"sentences":[{"text":"Beautiful.","start":386.85,"end":387.33002,"sentiment":"positive","sentiment_score":0.4367293119430542},{"text":"Beautiful.","start":387.33002,"end":387.73,"sentiment":"positive","sentiment_score":0.5314490795135498},{"text":"I'd definitely love to go through and have a chat with you.","start":387.73,"end":389.97,"sentiment":"positive","sentiment_score":0.5023977508147558},{"text":"Probably in person tends to make it a bit easier, and it kinda brings a bit more face to face.","start":389.97,"end":394.21002,"sentiment":"neutral","sentiment_score":0.2271672137081623},{"text":"You can see what I look like coming to the office here.","start":394.21002,"end":396.95,"sentiment":"neutral","sentiment_score":0.10416651579240958}],"sentiment":"neutral","sentiment_score":0.2780498666283877,"num_words":46,"start":386.85,"end":396.95},{"sentences":[{"text":"Sometimes it can be a bit more comfortable for you when we are discussing your personal information, your super fund.","start":397.41,"end":402.395,"sentiment":"neutral","sentiment_score":0.14227788597345353},{"text":"I mean, you've worked so hard to build this fund up to what it is, so we wanna make sure you are comfortable going through all of that.","start":402.395,"end":408.635,"sentiment":"neutral","sentiment_score":0.1493586538625615},{"text":"So if you're comfortable, I would love to meet you in person and do a full proper initial consultation, go through everything in detail with you, talk about what your goals are.","start":408.635,"end":417.49,"sentiment":"positive","sentiment_score":0.3992272880859673},{"text":"You can put forward the things that you've definitely looked at.","start":417.49,"end":419.81,"sentiment":"positive","sentiment_score":0.5707068849693645},{"text":"We can talk about your interests, and then have a more detailed conversation around your risk capacity, what you're after, and the tolerance, and really sorta nut down, you know, how we can help you moving forward.","start":419.81,"end":431.845,"sentiment":"positive","sentiment_score":0.46484688327119156}],"sentiment":"positive","sentiment_score":0.33812487235991284,"num_words":128,"start":397.41,"end":431.845},{"sentences":[{"text":"Is that okay?","start":431.845,"end":432.665,"sentiment":"positive","sentiment_score":0.3724774718284607},{"text":"Yeah.","start":434.48502,"end":434.98502,"sentiment":"neutral","sentiment_score":0.1391603648662567},{"text":"Yeah.","start":435.925,"end":436.425,"sentiment":"neutral","sentiment_score":0.15516944229602814},{"text":"Yep.","start":439.205,"end":439.705,"sentiment":"neutral","sentiment_score":0.21559298038482663},{"text":"Absolutely.","start":441.29,"end":441.79,"sentiment":"positive","sentiment_score":0.48890793323516846}],"sentiment":"neutral","sentiment_score":0.30232330518109457,"num_words":7,"start":431.845,"end":441.79},{"sentences":[{"text":"Not a problem at all.","start":442.01,"end":442.89,"sentiment":"positive","sentiment_score":0.4730756223201752},{"text":"Now I will also pop in the email our fee structure.","start":442.89,"end":445.13,"sentiment":"neutral","sentiment_score":0.2355607720938596},{"text":"So I've got down here that you are looking for one off advice.","start":445.13,"end":447.85,"sentiment":"neutral","sentiment_score":0.045737915887282446},{"text":"You're not sort of wanting anyone to manage that.","start":447.85,"end":449.93,"sentiment":"neutral","sentiment_score":-0.2560371475087272},{"text":"Is that right?","start":449.93,"end":450.83,"sentiment":"neutral","sentiment_score":0.0303334246079127}],"sentiment":"neutral","sentiment_score":0.08140988920519991,"num_words":41,"start":442.01,"end":450.83},{"sentences":[{"text":"Yep.","start":452.57,"end":452.89,"sentiment":"neutral","sentiment_score":0.18683843314647677},{"text":"That's, yeah.","start":452.89,"end":455.385,"sentiment":"neutral","sentiment_score":0.26004111021757126},{"text":"That's absolutely okay.","start":455.385,"end":456.665,"sentiment":"positive","sentiment_score":0.47640037536621094},{"text":"So to give you an idea, I wanna make sure that you're aware of things in advance.","start":456.665,"end":460.125,"sentiment":"neutral","sentiment_score":0.23475663276279674},{"text":"Essentially, with our fee structure for one off advice, we would be looking to charge just an upfront implementation fee.","start":460.345,"end":466.26,"sentiment":"neutral","sentiment_score":0.20215277895331382}],"sentiment":"neutral","sentiment_score":0.23651256083055985,"num_words":43,"start":452.57,"end":466.26},{"sentences":[{"text":"It can be paid for however is more convenient for yourself.","start":466.58002,"end":469.72,"sentiment":"neutral","sentiment_score":0.2479632551019842},{"text":"It could be out of pocket, or we can invoice the super fund for that.","start":470.18002,"end":473.78,"sentiment":"neutral","sentiment_score":0.23293015559514363},{"text":"It's absolutely fine.","start":473.78,"end":474.92,"sentiment":"positive","sentiment_score":0.4392286737759908},{"text":"But the fee itself is we're just looking at charging for what we invest.","start":475.22,"end":479.56,"sentiment":"neutral","sentiment_score":0.153672670679433},{"text":"So if we're looking at the money that's in the cash account, we charge sorry.","start":479.725,"end":484.765,"sentiment":"neutral","sentiment_score":0.08373159890373548}],"sentiment":"neutral","sentiment_score":0.18873492300767322,"num_words":58,"start":466.58002,"end":484.765},{"sentences":[{"text":"It's 3.3%, and it's capped at balances of a 150,000.","start":484.765,"end":488.765,"sentiment":"neutral","sentiment_score":0.09591385908424854},{"text":"So the most anyone pays for that implementation fee is $4,950.","start":488.765,"end":494.145,"sentiment":"neutral","sentiment_score":0.20426794615658847},{"text":"We would invoice the the fund to have that paid.","start":494.73,"end":498.27,"sentiment":"neutral","sentiment_score":0.24959154427051544},{"text":"And, yeah, look, at the end of the day, everything we do up until the point we you decide to come on board and take on the advice, we generally do it complimentary.","start":499.21,"end":506.99,"sentiment":"neutral","sentiment_score":0.31569951298561966},{"text":"But I think first things first, we'll just go through the the initial consultation, get a bit more detail around you guys, what you're after, get some more research in the fund there, and I'll pop that fee structure into the email for you as well so you have that nice and clear.","start":507.915,"end":522.555,"sentiment":"neutral","sentiment_score":0.22603799950964046}],"sentiment":"neutral","sentiment_score":0.24017178926330346,"num_words":117,"start":484.765,"end":522.555},{"sentences":[{"text":"Is that okay?","start":522.555,"end":523.375,"sentiment":"neutral","sentiment_score":0.19565350810686746},{"text":"Yeah.","start":524.9,"end":525.3,"sentiment":"neutral","sentiment_score":0.17067411541938782},{"text":"That's okay.","start":525.3,"end":525.94,"sentiment":"neutral","sentiment_score":0.18738094717264175},{"text":"Do you have any questions so far at all?","start":525.94,"end":528.44,"sentiment":"neutral","sentiment_score":0.06386697126759423},{"text":"No.","start":530.26,"end":530.76,"sentiment":"neutral","sentiment_score":-0.05777723342180252}],"sentiment":"neutral","sentiment_score":0.1030888776294887,"num_words":16,"start":522.555,"end":530.76},{"sentences":[{"text":"Yeah.","start":531.62,"end":532.12,"sentiment":"neutral","sentiment_score":0.10983345657587051},{"text":"All good, Annie.","start":532.42,"end":533.56,"sentiment":"positive","sentiment_score":0.39993950724601746},{"text":"Well, look, it was absolutely absolutely fabulous to get to know you this morning and have a bit of a quick chat.","start":533.62,"end":538.605,"sentiment":"positive","sentiment_score":0.7215110232884233},{"text":"I do apologize.","start":538.605,"end":539.265,"sentiment":"neutral","sentiment_score":-0.05665859580039978},{"text":"It was very limited as to what we can do.","start":539.325,"end":540.845,"sentiment":"neutral","sentiment_score":-0.1334541358053684}],"sentiment":"positive","sentiment_score":0.4020096755180603,"num_words":39,"start":531.62,"end":540.845},{"sentences":[{"text":"I just wanted to sort of touch base to begin with, give you an idea of how things work with financial advice, what the, you know, one off fee might look like for the advice that we are providing, and just sort of give you a bit more detail there.","start":540.845,"end":553.985,"sentiment":"neutral","sentiment_score":0.14034936718642713},{"text":"And then, you know, we can come together.","start":554.12,"end":555.95996,"sentiment":"neutral","sentiment_score":0.17554340325295925},{"text":"You can see us here in the office, then we can, you know, go through a bit more detail around what you're after, your goals, your objectives, and see how we can help you moving forward.","start":555.95996,"end":564.54,"sentiment":"neutral","sentiment_score":0.23688460058636135},{"text":"That's okay.","start":566.435,"end":567.255,"sentiment":"neutral","sentiment_score":0.23473400622606277},{"text":"Not a problem at all.","start":567.315,"end":568.695,"sentiment":"neutral","sentiment_score":0.20488327443599702}],"sentiment":"neutral","sentiment_score":0.18260936228798166,"num_words":101,"start":540.845,"end":568.695},{"sentences":[{"text":"And just to double clarify, you mentioned that there was another member of your fund as well.","start":568.995,"end":572.915,"sentiment":"neutral","sentiment_score":0.0856644002830281},{"text":"Is that your partner, your wife, or wife yet beautiful?","start":572.915,"end":577.235,"sentiment":"neutral","sentiment_score":0.07404926866292953},{"text":"Would she be able to join us at all to go through things?","start":577.235,"end":580.32,"sentiment":"neutral","sentiment_score":0.06289112195372581},{"text":"Yeah.","start":582.32,"end":582.82,"sentiment":"neutral","sentiment_score":-0.016017209738492966},{"text":"No.","start":583.2,"end":583.52,"sentiment":"neutral","sentiment_score":-0.07768972218036652}],"sentiment":"neutral","sentiment_score":0.06953964630762736,"num_words":42,"start":568.995,"end":583.52},{"sentences":[{"text":"That's okay.","start":583.52,"end":584.32,"sentiment":"neutral","sentiment_score":-0.062071237713098526},{"text":"Sometimes I do it is a bit hard for some of my clients who are couples to get involved.","start":584.32,"end":588.88,"sentiment":"neutral","sentiment_score":-0.1644543425032967},{"text":"So I have done appointments where we might have teams on in the office where one person's here, another person's or somebody else on the phone.","start":588.88,"end":596.015,"sentiment":"neutral","sentiment_score":-0.05582466606910412},{"text":"So just wanted to clarify so we can accommodate for, you know, you guys if you are having trouble working your schedules together.","start":596.015,"end":603.71497,"sentiment":"neutral","sentiment_score":-0.0590913103002569},{"text":"Okay.","start":604.015,"end":604.515,"sentiment":"neutral","sentiment_score":0.06859812140464783}],"sentiment":"neutral","sentiment_score":-0.08437631431389862,"num_words":71,"start":583.52,"end":604.515},{"sentences":[{"text":"All good.","start":606.495,"end":607.2,"sentiment":"neutral","sentiment_score":0.32779332250356674},{"text":"My pleasure, Ernie.","start":607.52,"end":608.4,"sentiment":"positive","sentiment_score":0.8396416107813517},{"text":"I'll get that email sent up shortly for you, clarifying the things that we've gone through.","start":608.4,"end":611.68,"sentiment":"positive","sentiment_score":0.6140632219612598},{"text":"I'll outline a bit more detail there for you to run through another financial services guide there.","start":611.68,"end":616.02,"sentiment":"neutral","sentiment_score":0.29273559065426097},{"text":"You will also have my contact, and I'll cc in my administration team as well, and they'll just follow-up to make a time to have an initial consultation with you both.","start":616.24,"end":624.455,"sentiment":"neutral","sentiment_score":0.22769120191374131}],"sentiment":"positive","sentiment_score":0.3628181931765183,"num_words":69,"start":606.495,"end":624.455},{"sentences":[{"text":"Okay?","start":624.455,"end":624.955,"sentiment":"neutral","sentiment_score":0.2277391254901886},{"text":"Thank you so much for your time, miss Monie.","start":627.09503,"end":628.935,"sentiment":"positive","sentiment_score":0.8331425388654073},{"text":"I hope you have a lovely day.","start":628.935,"end":630.475,"sentiment":"positive","sentiment_score":0.8260159237044198}],"sentiment":"positive","sentiment_score":0.7945960847770467,"num_words":17,"start":624.455,"end":630.475}]}}]},{"alternatives":[{"transcript":"Annie Harvey speaking. From where? Oh, yes. Sorry. Yeah. It's in financial adviser. Yeah. Yeah. I was just wanting to discuss how what we're doing with our our super fund. It's self managed. So you're the actual financial adviser? Yep. Yep. So we've kind of managed our own super fund up until now, and it's a mixture of cash and and property. We've actually got an office that we have leased out in in Southport, so that that's part of it, and and we'll probably retain that because we've got some capital growth and has a return. But in terms of the cash, we've traditionally, we've just had per deposits with the big banks and returns are not very good on that. And probably, we've never ventured into owning shares. So we're probably just looking at, you know, what direction do we go now and how could you guys help us. Well, we have to some degree with our accountants, but not no. Not really. No. Yep. Yep. Yep. It does. And, I mean, we're not we're not a large super fund. We've probably only got about a million dollars in in investments. So, you know, previously, we thought about getting financial advice and, you know, the problem with having managers managing it quite often the cost of it is takes away from the benefits of the of the the the flow of money because it's not a big fund. A bit over half 1,000,000. No. It's the one. That's crazy. Oh, we're at Paradise Point. I'm happy to come in and sit down with you, and and we could probably put forward some things that we've been thinking about in in investing the cab. We're more comfortable with property than kind of theirs. And so but anyway, happy to talk, sit down, and talk to you. Yeah. You can email me there. And you've got my email there? Yeah. Correct. Yep. That is. Yep. That's good. But put that in email, and and we can probably organize something maybe next week or the week after. Yeah. No. That's right. I I think we can do that ourselves. Okay. Thank you. No. None at all. Just sent through the email. Okay. Thank you. Wife. Yes. Yep. Obviously. Okay. Thank you very much. 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Harvey speaking. From where? Oh, yes. Sorry. Yeah.\n\nIt's in financial adviser. Yeah. Yeah. I was just wanting to discuss how what we're doing with our our super fund. It's self managed.\n\nSo you're the actual financial adviser? Yep. Yep. So we've kind of managed our own super fund up until now, and it's a mixture of cash and and property. We've actually got an office that we have leased out in in Southport, so that that's part of it, and and we'll probably retain that because we've got some capital growth and has a return.\n\nBut in terms of the cash, we've traditionally, we've just had per deposits with the big banks and returns are not very good on that. And probably, we've never ventured into owning shares. So we're probably just looking at, you know, what direction do we go now and how could you guys help us. Well, we have to some degree with our accountants, but not no. Not really.\n\nNo. Yep. Yep. Yep. It does.\n\nAnd, I mean, we're not we're not a large super fund. We've probably only got about a million dollars in in investments. So, you know, previously, we thought about getting financial advice and, you know, the problem with having managers managing it quite often the cost of it is takes away from the benefits of the of the the the flow of money because it's not a big fund. A bit over half 1,000,000. No.\n\nIt's the one. That's crazy. Oh, we're at Paradise Point. I'm happy to come in and sit down with you, and and we could probably put forward some things that we've been thinking about in in investing the cab. We're more comfortable with property than kind of theirs.\n\nAnd so but anyway, happy to talk, sit down, and talk to you. Yeah. You can email me there. And you've got my email there? Yeah.\n\nCorrect. Yep. That is. Yep. That's good.\n\nBut put that in email, and and we can probably organize something maybe next week or the week after. Yeah. No. That's right. I I think we can do that ourselves.\n\nOkay. Thank you. No. None at all. Just sent through the email.\n\nOkay. Thank you. Wife. Yes. Yep.\n\nObviously. Okay. Thank you very much. Okay.","paragraphs":[{"sentences":[{"text":"Annie Harvey speaking.","start":0.39999998,"end":1.62,"sentiment":"neutral","sentiment_score":0.035578672774136066},{"text":"From where?","start":5.92,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.08271141350269318},{"text":"Oh, yes.","start":13.395,"end":15.815001,"sentiment":"neutral","sentiment_score":-0.006925117224454879},{"text":"Sorry.","start":15.955,"end":16.455,"sentiment":"neutral","sentiment_score":-0.034321025013923645},{"text":"Yeah.","start":16.595001,"end":16.835001,"sentiment":"neutral","sentiment_score":0.054273881018161774}],"sentiment":"neutral","sentiment_score":0.030917940764791436,"num_words":9,"start":0.39999998,"end":16.835001},{"sentences":[{"text":"It's in financial adviser.","start":16.835001,"end":18.215,"sentiment":"neutral","sentiment_score":0.03149538999423385},{"text":"Yeah.","start":18.275002,"end":18.775002,"sentiment":"neutral","sentiment_score":0.058957889676094055},{"text":"Yeah.","start":24.755001,"end":24.915,"sentiment":"neutral","sentiment_score":0.059728384017944336},{"text":"I was just wanting to discuss how what we're doing with our our super fund.","start":24.915,"end":32.120003,"sentiment":"neutral","sentiment_score":0.0491970789929231},{"text":"It's self managed.","start":32.18,"end":33.24,"sentiment":"neutral","sentiment_score":0.05755086988210678}],"sentiment":"neutral","sentiment_score":0.04813652617546419,"num_words":24,"start":16.835001,"end":33.24},{"sentences":[{"text":"So you're the actual financial adviser?","start":34.18,"end":37.08,"sentiment":"neutral","sentiment_score":0.03238415500770012},{"text":"Yep.","start":43.525,"end":44.025,"sentiment":"neutral","sentiment_score":0.1782122701406479},{"text":"Yep.","start":58.5,"end":58.82,"sentiment":"neutral","sentiment_score":0.07124802470207214},{"text":"So we've kind of managed our own super fund up until now, and it's a mixture of cash and and property.","start":58.82,"end":68.985,"sentiment":"neutral","sentiment_score":0.05606473521107719},{"text":"We've actually got an office that we have leased out in in Southport, so that that's part of it, and and we'll probably retain that because we've got some capital growth and has a return.","start":68.985,"end":87.72,"sentiment":"neutral","sentiment_score":0.1648189780967576}],"sentiment":"neutral","sentiment_score":0.11546545152668841,"num_words":64,"start":34.18,"end":87.72},{"sentences":[{"text":"But in terms of the cash, we've traditionally, we've just had per deposits with the big banks and returns are not very good on that.","start":88.740005,"end":99.994995,"sentiment":"neutral","sentiment_score":-0.19262193605303765},{"text":"And probably, we've never ventured into owning shares.","start":100.055,"end":105.115,"sentiment":"neutral","sentiment_score":-0.16101700020954013},{"text":"So we're probably just looking at, you know, what direction do we go now and how could you guys help us.","start":108.09,"end":115.79,"sentiment":"neutral","sentiment_score":0.04757187444539297},{"text":"Well, we have to some degree with our accountants, but not no.","start":126.685,"end":131.72499,"sentiment":"neutral","sentiment_score":-0.009489829186350107},{"text":"Not really.","start":131.72499,"end":132.545,"sentiment":"neutral","sentiment_score":-0.15068499743938446}],"sentiment":"neutral","sentiment_score":-0.081175338011235,"num_words":68,"start":88.740005,"end":132.545},{"sentences":[{"text":"No.","start":132.845,"end":133.345,"sentiment":"neutral","sentiment_score":-0.15667255222797394},{"text":"Yep.","start":154.065,"end":154.565,"sentiment":"neutral","sentiment_score":0.25315624475479126},{"text":"Yep.","start":226.68001,"end":226.76001,"sentiment":"neutral","sentiment_score":0.15111719071865082},{"text":"Yep.","start":226.76001,"end":227.08,"sentiment":"neutral","sentiment_score":0.15407368540763855},{"text":"It does.","start":227.08,"end":227.64,"sentiment":"neutral","sentiment_score":0.23276281356811523}],"sentiment":"neutral","sentiment_score":0.14453336596488953,"num_words":6,"start":132.845,"end":227.64},{"sentences":[{"text":"And, I mean, we're not we're not a large super fund.","start":227.64,"end":231.785,"sentiment":"neutral","sentiment_score":-0.0060286432165991164},{"text":"We've probably only got about a million dollars in in investments.","start":231.785,"end":239.085,"sentiment":"neutral","sentiment_score":-0.040035074915398254},{"text":"So, you know, previously, we thought about getting financial advice and, you know, the problem with having managers managing it quite often the cost of it is takes away from the benefits of the of the the the flow of money because it's not a big fund.","start":239.705,"end":259.99,"sentiment":"neutral","sentiment_score":-0.12679299791442586},{"text":"A bit over half 1,000,000.","start":266.465,"end":267.92502,"sentiment":"neutral","sentiment_score":-0.015141457505524158},{"text":"No.","start":276.46,"end":276.78,"sentiment":"neutral","sentiment_score":-0.09077847003936768}],"sentiment":"neutral","sentiment_score":-0.08843276745329301,"num_words":75,"start":227.64,"end":276.78},{"sentences":[{"text":"It's the one.","start":276.78,"end":277.58,"sentiment":"neutral","sentiment_score":-0.0906977653503418},{"text":"That's crazy.","start":277.58,"end":278.4,"sentiment":"neutral","sentiment_score":-0.12853455543518066},{"text":"Oh, we're at Paradise Point.","start":291.455,"end":293.07498,"sentiment":"neutral","sentiment_score":0.0325419619679451},{"text":"I'm happy to come in and sit down with you, and and we could probably put forward some things that we've been thinking about in in investing the cab.","start":308.47998,"end":318.28497,"sentiment":"neutral","sentiment_score":0.08320870224771829},{"text":"We're more comfortable with property than kind of theirs.","start":320.185,"end":325.16,"sentiment":"neutral","sentiment_score":0.06975419488218096}],"sentiment":"neutral","sentiment_score":0.055716406709204115,"num_words":48,"start":276.78,"end":325.16},{"sentences":[{"text":"And so but anyway, happy to talk, sit down, and talk to you.","start":327.22,"end":333.08,"sentiment":"neutral","sentiment_score":0.038673790315022834},{"text":"Yeah.","start":366.645,"end":366.965,"sentiment":"neutral","sentiment_score":0.04065219312906265},{"text":"You can email me there.","start":366.965,"end":368.345,"sentiment":"neutral","sentiment_score":0.0373793613165617},{"text":"And you've got my email there?","start":370.085,"end":371.865,"sentiment":"neutral","sentiment_score":0.07425769542654355},{"text":"Yeah.","start":379.28497,"end":379.60498,"sentiment":"neutral","sentiment_score":0.04226823151111603}],"sentiment":"neutral","sentiment_score":0.04685087222605944,"num_words":26,"start":327.22,"end":379.60498},{"sentences":[{"text":"Correct.","start":379.60498,"end":380.10498,"sentiment":"neutral","sentiment_score":0.061891477555036545},{"text":"Yep.","start":385.02,"end":385.41998,"sentiment":"neutral","sentiment_score":0.05982982739806175},{"text":"That is.","start":385.41998,"end":386.16,"sentiment":"neutral","sentiment_score":0.08833540230989456},{"text":"Yep.","start":403.295,"end":403.795,"sentiment":"neutral","sentiment_score":0.12673471868038175},{"text":"That's good.","start":433.145,"end":433.785,"sentiment":"positive","sentiment_score":0.68857142329216}],"sentiment":"neutral","sentiment_score":0.2574670964053699,"num_words":7,"start":379.60498,"end":433.785},{"sentences":[{"text":"But put that in email, and and we can probably organize something maybe next week or the week after.","start":433.785,"end":440.685,"sentiment":"neutral","sentiment_score":0.25243566302876724},{"text":"Yeah.","start":451.18002,"end":451.5,"sentiment":"neutral","sentiment_score":0.04472449049353599},{"text":"No.","start":451.5,"end":451.66,"sentiment":"neutral","sentiment_score":-0.05819851532578468},{"text":"That's right.","start":451.66,"end":452.38,"sentiment":"neutral","sentiment_score":0.06485136598348618},{"text":"I I think we can do that ourselves.","start":452.38,"end":454.56,"sentiment":"neutral","sentiment_score":0.19681941997259855}],"sentiment":"neutral","sentiment_score":0.20926005369232548,"num_words":31,"start":433.785,"end":454.56},{"sentences":[{"text":"Okay.","start":523.765,"end":524.245,"sentiment":"neutral","sentiment_score":0.17099308967590332},{"text":"Thank you.","start":524.245,"end":525.065,"sentiment":"positive","sentiment_score":0.4629662483930588},{"text":"No.","start":528.83997,"end":529.07996,"sentiment":"neutral","sentiment_score":-0.052779994904994965},{"text":"None at all.","start":529.07996,"end":529.8,"sentiment":"neutral","sentiment_score":-0.04004618773857752},{"text":"Just sent through the email.","start":529.8,"end":531.18,"sentiment":"neutral","sentiment_score":-0.04363353960216045}],"sentiment":"neutral","sentiment_score":0.058819944194207587,"num_words":12,"start":523.765,"end":531.18},{"sentences":[{"text":"Okay.","start":533.95996,"end":534.45996,"sentiment":"positive","sentiment_score":0.4772438406944275},{"text":"Thank you.","start":565.22003,"end":566.04004,"sentiment":"positive","sentiment_score":0.4084322154521942},{"text":"Wife.","start":575.225,"end":575.625,"sentiment":"neutral","sentiment_score":0.0675080269575119},{"text":"Yes.","start":575.625,"end":576.125,"sentiment":"neutral","sentiment_score":0.09979265183210372},{"text":"Yep.","start":580.825,"end":581.325,"sentiment":"neutral","sentiment_score":0.010603077709674835}],"sentiment":"neutral","sentiment_score":0.24533533801635107,"num_words":6,"start":533.95996,"end":581.325},{"sentences":[{"text":"Obviously.","start":581.545,"end":582.045,"sentiment":"neutral","sentiment_score":-0.006539781577885151},{"text":"Okay.","start":604.245,"end":604.745,"sentiment":"neutral","sentiment_score":0.1311132162809372},{"text":"Thank you very much.","start":605.925,"end":607.145,"sentiment":"positive","sentiment_score":0.4010617807507515},{"text":"Okay.","start":632.125,"end":632.5919,"sentiment":"neutral","sentiment_score":-0.12609612941741943}],"sentiment":"neutral","sentiment_score":0.22896063261266267,"num_words":7,"start":581.545,"end":632.5919}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Annie Harvey speaking.\n\nChannel 0: Hi, Ernie. This is Dana from OKIE Financial. How are you this morning?\n\nChannel 1: From where?\n\nChannel 0: OKIE Financial. You called in the other day asking to seek someone advice?\n\nChannel 1: Oh, yes. Sorry.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: See,\n\nChannel 1: It's\n\nChannel 0: that's\n\nChannel 1: in financial\n\nChannel 0: okay.\n\nChannel 1: adviser.\n\nChannel 0: The\n\nChannel 1: Yeah.\n\nChannel 0: yes. Correct. No. That's okay. Did you still need any help or assistance in that area at all?\n\nChannel 1: Yeah. I was just wanting to discuss how what we're doing with our our super fund. It's self\n\nChannel 0: Right.\n\nChannel 1: managed. So you're the actual financial adviser?\n\nChannel 0: That's correct. Yes. As I mentioned, my name is Dana. I'm one of the financial advisers here at Oakview Financial. So the girls have\n\nChannel 1: Yep.\n\nChannel 0: let me know you've called in just looking to try and get someone off advice there and maybe some assistance. So we thought we'd give you a call, find out a bit more about what you're after, and then we can sort of see if there's something we can help you and go forward from for you. Is that okay?\n\nChannel 1: Yep. So we've\n\nChannel 0: Yeah.\n\nChannel 1: kind of managed our own super fund\n\nChannel 0: Yes.\n\nChannel 1: up until now, and it's a mixture of cash and and property. We've actually got an office that we have leased out in in Southport, so\n\nChannel 0: Yes.\n\nChannel 1: that that's part of it, and and we'll probably retain that because we've got some capital growth and\n\nChannel 0: Mhmm.\n\nChannel 1: has a return. But in terms of the cash, we've traditionally, we've just had per deposits with the big banks and\n\nChannel 0: Mhmm.\n\nChannel 1: returns are not very good on that. And probably, we've never ventured into owning shares. So we're probably just looking at, you know, what direction do we go now\n\nChannel 0: Yes.\n\nChannel 1: and\n\nChannel 0: Yep.\n\nChannel 1: how could you guys help us.\n\nChannel 0: Yeah. Absolutely. Well, to give you an idea of how financial advice works, have you, to start up with, ever spoken to an adviser before or ever sought financial advice in the past?\n\nChannel 1: Well, we have to some degree with our accountants, but not no. Not really. No.\n\nChannel 0: No. That's that's okay. So, essentially, how financial advice works and what we do as advisers is we start off by having a full initial consultation with yourself. And if there's other members in the staff on your super fund, we would probably need to include that as well so that all members have a bit of say because your funds do a a combination of all members and contributions.\n\nChannel 1: Yep.\n\nChannel 0: So what we essentially do is we have an initial consultation with you. We go into detail, do a bit of research around all of your circumstances, the balance, what you have invested, where the money in is invested. Well, we do a risk profile analysis with you so we work out what your, tolerance is, what sort of investments you're after, what your time horizon is, and what sort of risk you're willing to take, and talk about the different options available to you. And then we do draw up a plan, so it takes a couple of weeks to go back and do a bit of research on all the different options out there for you. And then we draw up a plan that is there to help you meet your goal, to help you get the outcome that you're after.\n\nI would need to maybe do probably initial consultation and go through a bit more detail with you, which I could do over the phone. Or if you wanted to come into the office, we could do that together. That's absolutely fine. If you're not sort of after that kind of advice, I could just have a general chat with you now and maybe give you some general information or general advice around what options might be available to you. Or we can also, depending on the outcome, also do up a bit of a strategy paper, which gives you some options for investments, and that's completely complimentary.\n\nChannel 1: Yep. Yep. It does. And, I mean, we're not we're not a large super fund. We've probably only got about a million dollars in in investments.\n\nSo,\n\nChannel 0: Yeah.\n\nChannel 1: you know, previously, we thought about getting financial advice and, you know, the problem with having managers managing it quite often the cost of it is takes away from the benefits\n\nChannel 0: Yep.\n\nChannel 1: of the of the the the flow of money because it's not a big\n\nChannel 0: Yeah.\n\nChannel 1: fund.\n\nChannel 0: No. Understandable. Do you mind if I ask, Ernie, how much do you have in cash at the moment?\n\nChannel 1: A bit over half 1,000,000.\n\nChannel 0: Okay. So you've got a pretty decent balance in cash. And with the the property in the fund, do you have any loans owing on any of the properties, or are they all\n\nChannel 1: No.\n\nChannel 0: debt free?\n\nChannel 1: It's the one. That's\n\nChannel 0: Nope.\n\nChannel 1: crazy.\n\nChannel 0: Okay. Perfect. Debt free. Beautiful. Well, would you be open to maybe coming in?\n\nBecause you're sorry. Whereabouts are you local? I do apologize. I don't have your address here in front of me. Whereabouts are you located?\n\nChannel 1: Oh, we're at Paradise Point.\n\nChannel 0: Okay. Beautiful. Because we're in Southport. Would you be open to maybe doing an initial consultation with me here in the office to go through your goals and everything in detail, or did you prefer to do something over phone, or would you like to how would you like to sort of\n\nChannel 1: I'm\n\nChannel 0: look\n\nChannel 1: happy\n\nChannel 0: at doing\n\nChannel 1: to\n\nChannel 0: the\n\nChannel 1: come\n\nChannel 0: research\n\nChannel 1: in and\n\nChannel 0: with\n\nChannel 1: sit\n\nChannel 0: me?\n\nChannel 1: down with\n\nChannel 0: Yeah?\n\nChannel 1: you, and and we could probably put forward some things that we've been thinking\n\nChannel 0: Yeah.\n\nChannel 1: about in in investing the\n\nChannel 0: Yeah.\n\nChannel 1: cab.\n\nChannel 0: Yes.\n\nChannel 1: We're more comfortable with property than kind\n\nChannel 0: Yep.\n\nChannel 1: of theirs.\n\nChannel 0: Yep. That's okay.\n\nChannel 1: And so but anyway,\n\nChannel 0: Yeah. No.\n\nChannel 1: happy\n\nChannel 0: That's\n\nChannel 1: to\n\nChannel 0: okay. That's\n\nChannel 1: talk, sit down, and talk to you.\n\nChannel 0: absolutely. Well, what I'll do because I don't believe the girls have sent out much of an email to you recently. So I'll get them to send out an email to you just with our copy of our financial services guide so you can get a bit of detail around us, who we are, what we do, and how we do it. We do need to go through a bit of a research of fact find with you and sort of get an understanding of the assets, your liabilities, what your goals are. Did you want me to maybe get them to send the fact find out to you prior so you can have a look over the information that we would be looking to talk to you about and the information we'd be seeking in order to provide financial advice?\n\nChannel 1: Yeah. You can email me there.\n\nChannel 0: Yep. Yep. Beautiful.\n\nChannel 1: And\n\nChannel 0: And\n\nChannel 1: you've\n\nChannel 0: in\n\nChannel 1: got\n\nChannel 0: the\n\nChannel 1: my email there?\n\nChannel 0: I do. Yeah. So I've got ernie dot h at dadbar dot com dot a u. Is that right?\n\nChannel 1: Yeah. Correct.\n\nChannel 0: Yeah. Beautiful. Dadbar is d a b b a r. Is that spelled correctly?\n\nChannel 1: Yep. That is.\n\nChannel 0: Yeah. Beautiful. Beautiful. I'd definitely love to go through and have a chat with you. Probably in person tends to make it a bit easier, and it kinda brings a bit more face to face.\n\nYou can see what I look like coming to the office here. Sometimes it can be a bit more comfortable for you when we are discussing your personal information, your super fund. I mean, you've worked so\n\nChannel 1: Yep.\n\nChannel 0: hard to build this fund up to what it is, so we wanna make sure you are comfortable going through all of that. So if you're comfortable, I would love to meet you in person and do a full proper initial consultation, go through everything in detail with you, talk about what your goals are. You can put forward the things that you've definitely looked at. We can talk about your interests, and then have a more detailed conversation around your risk capacity, what you're after, and the tolerance, and really sorta nut down, you know, how we can help you moving forward. Is that okay?\n\nChannel 1: That's good. But put that\n\nChannel 0: Yeah.\n\nChannel 1: in email, and\n\nChannel 0: Yeah.\n\nChannel 1: and we can probably organize something maybe next\n\nChannel 0: Yep.\n\nChannel 1: week or the week after.\n\nChannel 0: Absolutely. Not a problem at all. Now I will also pop in the email our fee structure. So I've got down here that you are looking for one off advice. You're not sort of wanting anyone to manage that.\n\nIs that right?\n\nChannel 1: Yeah. No. That's right. I\n\nChannel 0: Yep.\n\nChannel 1: I\n\nChannel 0: That's,\n\nChannel 1: think we can do that ourselves.\n\nChannel 0: yeah. That's absolutely okay. So to give you an idea, I wanna make sure that you're aware of things in advance. Essentially, with our fee structure for one off advice, we would be looking to charge just an upfront implementation fee. It can be paid for however is more convenient for yourself.\n\nIt could be out of pocket, or we can invoice the super fund for that. It's absolutely fine. But the fee itself is we're just looking at charging for what we invest. So if we're looking at the money that's in the cash account, we charge sorry. It's 3.3%, and it's capped at balances of a 150,000.\n\nSo the most anyone pays for that implementation fee is $4,950. We would invoice the the fund to have that paid. And, yeah, look, at the end of the day, everything we do up until the point we you decide to come on board and take on the advice, we generally do it complimentary. But I think first things first, we'll just go through the the initial consultation, get a bit more detail around you guys, what you're after, get some more research in the fund there, and I'll pop that fee structure into the email for you as well so you have that nice and clear. Is that okay?\n\nChannel 1: Okay. Thank you.\n\nChannel 0: Yeah. That's okay. Do you have any questions so far at all?\n\nChannel 1: No. None at all. Just sent\n\nChannel 0: No.\n\nChannel 1: through the email.\n\nChannel 0: Yeah. All good, Annie. Well, look,\n\nChannel 1: Okay.\n\nChannel 0: it was absolutely absolutely fabulous to get to know you this morning and have a bit of a quick chat. I do apologize. It was very limited as to what we can do. I just wanted to sort of touch base to begin with, give you an idea of how things work with financial advice, what the, you know, one off fee might look like for the advice that we are providing, and just sort of give you a bit more detail there. And then, you know, we can come together.\n\nYou can see us here in the office, then we can, you know, go through a bit more detail around what you're after, your goals, your objectives, and see how we can help you moving forward.\n\nChannel 1: Thank you.\n\nChannel 0: That's okay. Not a problem at all. And just to double clarify, you mentioned that there was another member of your fund as well. Is that your partner, your wife, or\n\nChannel 1: Wife. Yes.\n\nChannel 0: wife yet beautiful? Would she be able to join us at all to go through things?\n\nChannel 1: Yep. Obviously.\n\nChannel 0: Yeah. No. That's okay. Sometimes I do it is a bit hard for some of my clients who are couples to get involved. So I have done appointments where we might have teams on in the office where one person's here, another person's or somebody else on the phone.\n\nSo just wanted to clarify so we can accommodate for, you know, you guys if you are having trouble working your schedules together. Okay.\n\nChannel 1: Okay. Thank you very\n\nChannel 0: All\n\nChannel 1: much.\n\nChannel 0: good. My pleasure, Ernie. I'll get that email sent up shortly for you, clarifying the things that we've gone through. I'll outline a bit more detail there for you to run through another financial services guide there. You will also have my contact, and I'll cc in my administration team as well, and they'll just follow-up to make a time to have an initial consultation with you both.\n\nOkay? Thank you so much for your time, miss Monie. I hope you have a lovely day.\n\nChannel 1: Okay.","paragraphs":[{"sentences":[{"text":"Annie Harvey speaking.","start":0.39999998,"end":1.62,"sentiment":"neutral","sentiment_score":0.035578672774136066}],"sentiment":"neutral","sentiment_score":0.035578672774136066,"channel":1,"num_words":3,"start":0.39999998,"end":1.62},{"sentences":[{"text":"Hi, Ernie.","start":2.0,"end":2.6399999,"sentiment":"neutral","sentiment_score":0.24340525269508362},{"text":"This is Dana from OKIE Financial.","start":2.6399999,"end":4.26,"sentiment":"neutral","sentiment_score":0.2728920479615529},{"text":"How are you this morning?","start":4.4,"end":5.62,"sentiment":"positive","sentiment_score":0.41658617854118346}],"sentiment":"neutral","sentiment_score":0.32362259122041553,"channel":0,"num_words":13,"start":2.0,"end":5.62},{"sentences":[{"text":"From where?","start":5.92,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.08271141350269318}],"sentiment":"neutral","sentiment_score":0.08271141350269318,"channel":1,"num_words":2,"start":5.92,"end":6.8199997},{"sentences":[{"text":"OKIE Financial.","start":7.12,"end":8.18,"sentiment":"neutral","sentiment_score":0.03172488324344158},{"text":"You called in the other day asking to seek someone advice?","start":8.4,"end":11.7,"sentiment":"neutral","sentiment_score":-0.04383364743129774}],"sentiment":"neutral","sentiment_score":-0.032209258096722454,"channel":0,"num_words":13,"start":7.12,"end":11.7},{"sentences":[{"text":"Oh, yes.","start":13.395,"end":15.815001,"sentiment":"neutral","sentiment_score":-0.006925117224454879},{"text":"Sorry.","start":15.955,"end":16.455,"sentiment":"neutral","sentiment_score":-0.034321025013923645}],"sentiment":"neutral","sentiment_score":-0.016057086487611134,"channel":1,"num_words":3,"start":13.395,"end":16.455},{"sentences":[{"text":"Yes.","start":16.175,"end":16.655,"sentiment":"neutral","sentiment_score":0.04360957443714142}],"sentiment":"neutral","sentiment_score":0.04360957443714142,"channel":0,"num_words":1,"start":16.175,"end":16.655},{"sentences":[{"text":"Yeah.","start":16.595001,"end":16.835001,"sentiment":"neutral","sentiment_score":0.054273881018161774}],"sentiment":"neutral","sentiment_score":0.054273881018161774,"channel":1,"num_words":1,"start":16.595001,"end":16.835001},{"sentences":[{"text":"See,","start":16.655,"end":16.895,"sentiment":"neutral","sentiment_score":0.04306133836507797}],"sentiment":"neutral","sentiment_score":0.04306133836507797,"channel":0,"num_words":1,"start":16.655,"end":16.895},{"sentences":[{"text":"It's","start":16.835001,"end":16.995,"sentiment":"neutral","sentiment_score":0.05853324756026268}],"sentiment":"neutral","sentiment_score":0.05853324756026268,"channel":1,"num_words":1,"start":16.835001,"end":16.995},{"sentences":[{"text":"that's","start":16.895,"end":17.215,"sentiment":"neutral","sentiment_score":0.062404945492744446}],"sentiment":"neutral","sentiment_score":0.062404945492744446,"channel":0,"num_words":1,"start":16.895,"end":17.215},{"sentences":[{"text":"in 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pop in the email our fee structure.","start":442.89,"end":445.13,"sentiment":"neutral","sentiment_score":0.2355607720938596},{"text":"So I've got down here that you are looking for one off advice.","start":445.13,"end":447.85,"sentiment":"neutral","sentiment_score":0.045737915887282446},{"text":"You're not sort of wanting anyone to manage that.","start":447.85,"end":449.93,"sentiment":"neutral","sentiment_score":-0.2560371475087272}],"sentiment":"neutral","sentiment_score":0.09578751581601608,"channel":0,"num_words":39,"start":441.29,"end":449.93},{"sentences":[{"text":"Is that 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right.","start":451.66,"end":452.38,"sentiment":"neutral","sentiment_score":0.06485136598348618},{"text":"I","start":452.38,"end":452.78,"sentiment":"neutral","sentiment_score":0.0907577946782112}],"sentiment":"neutral","sentiment_score":0.04139730036258697,"channel":1,"num_words":5,"start":451.18002,"end":452.78},{"sentences":[{"text":"Yep.","start":452.57,"end":452.89,"sentiment":"neutral","sentiment_score":0.18683843314647677}],"sentiment":"neutral","sentiment_score":0.18683843314647677,"channel":0,"num_words":1,"start":452.57,"end":452.89},{"sentences":[{"text":"I","start":452.78,"end":453.02002,"sentiment":"neutral","sentiment_score":0.17581729590892792}],"sentiment":"neutral","sentiment_score":0.17581729590892792,"channel":1,"num_words":1,"start":452.78,"end":453.02002},{"sentences":[{"text":"That's,","start":452.89,"end":453.225,"sentiment":"neutral","sentiment_score":0.22069703042507172}],"sentiment":"neutral","sentiment_score":0.22069703042507172,"channel":0,"num_words":1,"start":452.89,"end":453.225},{"sentences":[{"text":"think we can do that ourselves.","start":453.02002,"end":454.56,"sentiment":"neutral","sentiment_score":0.21799671153227487}],"sentiment":"neutral","sentiment_score":0.21799671153227487,"channel":1,"num_words":6,"start":453.02002,"end":454.56},{"sentences":[{"text":"yeah.","start":455.065,"end":455.385,"sentiment":"neutral","sentiment_score":0.2993851900100708},{"text":"That's absolutely okay.","start":455.385,"end":456.665,"sentiment":"positive","sentiment_score":0.47640037536621094},{"text":"So to give you an idea, I wanna make sure that you're aware of things in advance.","start":456.665,"end":460.125,"sentiment":"neutral","sentiment_score":0.23475663276279674},{"text":"Essentially, with our fee structure for one off advice, we would be looking to charge just an upfront implementation fee.","start":460.345,"end":466.26,"sentiment":"neutral","sentiment_score":0.20215277895331382},{"text":"It can be paid for however is more convenient for yourself.","start":466.58002,"end":469.72,"sentiment":"neutral","sentiment_score":0.2479632551019842}],"sentiment":"neutral","sentiment_score":0.24019423958200675,"channel":0,"num_words":52,"start":455.065,"end":469.72},{"sentences":[{"text":"It could be out of pocket, or we can invoice the super fund for that.","start":470.18002,"end":473.78,"sentiment":"neutral","sentiment_score":0.23293015559514363},{"text":"It's absolutely fine.","start":473.78,"end":474.92,"sentiment":"positive","sentiment_score":0.4392286737759908},{"text":"But the fee itself is we're just looking at charging for what we invest.","start":475.22,"end":479.56,"sentiment":"neutral","sentiment_score":0.153672670679433},{"text":"So if we're looking at the money that's in the cash account, we charge sorry.","start":479.725,"end":484.765,"sentiment":"neutral","sentiment_score":0.08373159890373548},{"text":"It's 3.3%, and it's capped at balances of a 150,000.","start":484.765,"end":488.765,"sentiment":"neutral","sentiment_score":0.09591385908424854}],"sentiment":"neutral","sentiment_score":0.16102049682746855,"channel":0,"num_words":57,"start":470.18002,"end":488.765},{"sentences":[{"text":"So the most anyone pays for that implementation fee is $4,950.","start":488.765,"end":494.145,"sentiment":"neutral","sentiment_score":0.20426794615658847},{"text":"We would invoice the the fund to have that paid.","start":494.73,"end":498.27,"sentiment":"neutral","sentiment_score":0.24959154427051544},{"text":"And, yeah, look, at the end of the day, everything we do up until the point we you decide to come on board and take on the advice, we generally do it complimentary.","start":499.21,"end":506.99,"sentiment":"neutral","sentiment_score":0.31569951298561966},{"text":"But I think first things first, we'll just go through the the initial consultation, get a bit more detail around you guys, what you're after, get some more research in the fund there, and I'll pop that fee structure into the email for you as well so you have that nice and clear.","start":507.915,"end":522.555,"sentiment":"neutral","sentiment_score":0.22603799950964046},{"text":"Is that okay?","start":522.555,"end":523.375,"sentiment":"neutral","sentiment_score":0.19565350810686746}],"sentiment":"neutral","sentiment_score":0.25207201161167836,"channel":0,"num_words":110,"start":488.765,"end":523.375},{"sentences":[{"text":"Okay.","start":523.765,"end":524.245,"sentiment":"neutral","sentiment_score":0.17099308967590332},{"text":"Thank you.","start":524.245,"end":525.065,"sentiment":"positive","sentiment_score":0.4629662483930588}],"sentiment":"positive","sentiment_score":0.36564186215400696,"channel":1,"num_words":3,"start":523.765,"end":525.065},{"sentences":[{"text":"Yeah.","start":524.9,"end":525.3,"sentiment":"neutral","sentiment_score":0.17067411541938782},{"text":"That's okay.","start":525.3,"end":525.94,"sentiment":"neutral","sentiment_score":0.18738094717264175},{"text":"Do you have any questions so far at all?","start":525.94,"end":528.44,"sentiment":"neutral","sentiment_score":0.06386697126759423}],"sentiment":"neutral","sentiment_score":0.09335322926441829,"channel":0,"num_words":12,"start":524.9,"end":528.44},{"sentences":[{"text":"No.","start":528.83997,"end":529.07996,"sentiment":"neutral","sentiment_score":-0.052779994904994965},{"text":"None at all.","start":529.07996,"end":529.8,"sentiment":"neutral","sentiment_score":-0.04004618773857752},{"text":"Just sent","start":529.8,"end":530.27997,"sentiment":"neutral","sentiment_score":-0.03998053353279829}],"sentiment":"neutral","sentiment_score":-0.042146604197720684,"channel":1,"num_words":6,"start":528.83997,"end":530.27997},{"sentences":[{"text":"No.","start":530.26,"end":530.76,"sentiment":"neutral","sentiment_score":-0.05777723342180252}],"sentiment":"neutral","sentiment_score":-0.05777723342180252,"channel":0,"num_words":1,"start":530.26,"end":530.76},{"sentences":[{"text":"through the email.","start":530.27997,"end":531.18,"sentiment":"neutral","sentiment_score":-0.04606887698173523}],"sentiment":"neutral","sentiment_score":-0.04606887698173523,"channel":1,"num_words":3,"start":530.27997,"end":531.18},{"sentences":[{"text":"Yeah.","start":531.62,"end":532.12,"sentiment":"neutral","sentiment_score":0.10983345657587051},{"text":"All good, Annie.","start":532.42,"end":533.56,"sentiment":"positive","sentiment_score":0.39993950724601746},{"text":"Well, look,","start":533.62,"end":534.1,"sentiment":"neutral","sentiment_score":0.23410967737436295}],"sentiment":"neutral","sentiment_score":0.2963118888437748,"channel":0,"num_words":6,"start":531.62,"end":534.1},{"sentences":[{"text":"Okay.","start":533.95996,"end":534.45996,"sentiment":"positive","sentiment_score":0.4772438406944275}],"sentiment":"positive","sentiment_score":0.4772438406944275,"channel":1,"num_words":1,"start":533.95996,"end":534.45996},{"sentences":[{"text":"it was absolutely absolutely fabulous to get to know you this morning and have a bit of a quick chat.","start":534.1,"end":538.605,"sentiment":"positive","sentiment_score":0.7702511578798295},{"text":"I do apologize.","start":538.605,"end":539.265,"sentiment":"neutral","sentiment_score":-0.05665859580039978},{"text":"It was very limited as to what we can do.","start":539.325,"end":540.845,"sentiment":"neutral","sentiment_score":-0.1334541358053684},{"text":"I just wanted to sort of touch base to begin with, give you an idea of how things work with financial advice, what the, you know, one off fee might look like for the advice that we are providing, and just sort of give you a bit more detail there.","start":540.845,"end":553.985,"sentiment":"neutral","sentiment_score":0.14034936718642713},{"text":"And then, you know, we can come together.","start":554.12,"end":555.95996,"sentiment":"neutral","sentiment_score":0.17554340325295925}],"sentiment":"neutral","sentiment_score":0.24530023733501907,"channel":0,"num_words":91,"start":534.1,"end":555.95996},{"sentences":[{"text":"You can see us here in the office, then we can, you know, go through a bit more detail around what you're after, your goals, your objectives, and see how we can help you moving forward.","start":555.95996,"end":564.54,"sentiment":"neutral","sentiment_score":0.23688460058636135}],"sentiment":"neutral","sentiment_score":0.23688460058636135,"channel":0,"num_words":36,"start":555.95996,"end":564.54},{"sentences":[{"text":"Thank you.","start":565.22003,"end":566.04004,"sentiment":"positive","sentiment_score":0.4084322154521942}],"sentiment":"positive","sentiment_score":0.4084322154521942,"channel":1,"num_words":2,"start":565.22003,"end":566.04004},{"sentences":[{"text":"That's okay.","start":566.435,"end":567.255,"sentiment":"neutral","sentiment_score":0.23473400622606277},{"text":"Not a problem at all.","start":567.315,"end":568.695,"sentiment":"neutral","sentiment_score":0.20488327443599702},{"text":"And just to double clarify, you mentioned that there was another member of your fund as well.","start":568.995,"end":572.915,"sentiment":"neutral","sentiment_score":0.0856644002830281},{"text":"Is that your partner, your wife, or","start":572.915,"end":574.855,"sentiment":"neutral","sentiment_score":0.05337096005678177}],"sentiment":"neutral","sentiment_score":0.1072185777368084,"channel":0,"num_words":31,"start":566.435,"end":574.855},{"sentences":[{"text":"Wife.","start":575.225,"end":575.625,"sentiment":"neutral","sentiment_score":0.0675080269575119},{"text":"Yes.","start":575.625,"end":576.125,"sentiment":"neutral","sentiment_score":0.09979265183210372}],"sentiment":"neutral","sentiment_score":0.08365033939480782,"channel":1,"num_words":2,"start":575.225,"end":576.125},{"sentences":[{"text":"wife yet beautiful?","start":576.195,"end":577.235,"sentiment":"neutral","sentiment_score":0.12229865541060765},{"text":"Would she be able to join us at all to go through things?","start":577.235,"end":580.32,"sentiment":"neutral","sentiment_score":0.06289112195372581}],"sentiment":"neutral","sentiment_score":0.07403003447689116,"channel":0,"num_words":16,"start":576.195,"end":580.32},{"sentences":[{"text":"Yep.","start":580.825,"end":581.325,"sentiment":"neutral","sentiment_score":0.010603077709674835},{"text":"Obviously.","start":581.545,"end":582.045,"sentiment":"neutral","sentiment_score":-0.006539781577885151}],"sentiment":"neutral","sentiment_score":0.002031648065894842,"channel":1,"num_words":2,"start":580.825,"end":582.045},{"sentences":[{"text":"Yeah.","start":582.32,"end":582.82,"sentiment":"neutral","sentiment_score":-0.016017209738492966},{"text":"No.","start":583.2,"end":583.52,"sentiment":"neutral","sentiment_score":-0.07768972218036652},{"text":"That's okay.","start":583.52,"end":584.32,"sentiment":"neutral","sentiment_score":-0.062071237713098526},{"text":"Sometimes I do it is a bit hard for some of my clients who are couples to get involved.","start":584.32,"end":588.88,"sentiment":"neutral","sentiment_score":-0.1644543425032967},{"text":"So I have done appointments where we might have teams on in the office where one person's here, another person's or somebody else on the phone.","start":588.88,"end":596.015,"sentiment":"neutral","sentiment_score":-0.05582466606910412}],"sentiment":"neutral","sentiment_score":-0.09783516801437553,"channel":0,"num_words":49,"start":582.32,"end":596.015},{"sentences":[{"text":"So just wanted to clarify so we can accommodate for, you know, you guys if you are having trouble working your schedules together.","start":596.015,"end":603.71497,"sentiment":"neutral","sentiment_score":-0.0590913103002569},{"text":"Okay.","start":604.015,"end":604.515,"sentiment":"neutral","sentiment_score":0.06859812140464783}],"sentiment":"neutral","sentiment_score":-0.053770917312552534,"channel":0,"num_words":24,"start":596.015,"end":604.515},{"sentences":[{"text":"Okay.","start":604.245,"end":604.745,"sentiment":"neutral","sentiment_score":0.1311132162809372},{"text":"Thank you very","start":605.925,"end":606.645,"sentiment":"positive","sentiment_score":0.3773252069950104}],"sentiment":"neutral","sentiment_score":0.3157722093164921,"channel":1,"num_words":4,"start":604.245,"end":606.645},{"sentences":[{"text":"All","start":606.495,"end":606.735,"sentiment":"positive","sentiment_score":0.4524835348129273}],"sentiment":"positive","sentiment_score":0.4524835348129273,"channel":0,"num_words":1,"start":606.495,"end":606.735},{"sentences":[{"text":"much.","start":606.645,"end":607.145,"sentiment":"positive","sentiment_score":0.47227150201797485}],"sentiment":"positive","sentiment_score":0.47227150201797485,"channel":1,"num_words":1,"start":606.645,"end":607.145},{"sentences":[{"text":"good.","start":606.735,"end":607.2,"sentiment":"neutral","sentiment_score":0.20310311019420624},{"text":"My pleasure, Ernie.","start":607.52,"end":608.4,"sentiment":"positive","sentiment_score":0.8396416107813517},{"text":"I'll get that email sent up shortly for you, clarifying the things that we've gone through.","start":608.4,"end":611.68,"sentiment":"positive","sentiment_score":0.6140632219612598},{"text":"I'll outline a bit more detail there for you to run through another financial services guide there.","start":611.68,"end":616.02,"sentiment":"neutral","sentiment_score":0.29273559065426097},{"text":"You will also have my contact, and I'll cc in my administration team as well, and they'll just follow-up to make a time to have an initial consultation with you both.","start":616.24,"end":624.455,"sentiment":"neutral","sentiment_score":0.22769120191374131}],"sentiment":"positive","sentiment_score":0.361499585211277,"channel":0,"num_words":68,"start":606.735,"end":624.455},{"sentences":[{"text":"Okay?","start":624.455,"end":624.955,"sentiment":"neutral","sentiment_score":0.2277391254901886},{"text":"Thank you so much for your time, miss Monie.","start":627.09503,"end":628.935,"sentiment":"positive","sentiment_score":0.8331425388654073},{"text":"I hope you have a lovely day.","start":628.935,"end":630.475,"sentiment":"positive","sentiment_score":0.8260159237044198}],"sentiment":"positive","sentiment_score":0.7945960847770467,"channel":0,"num_words":17,"start":624.455,"end":630.475},{"sentences":[{"text":"Okay.","start":632.125,"end":632.5919,"sentiment":"neutral","sentiment_score":-0.12609612941741943}],"sentiment":"neutral","sentiment_score":-0.12609612941741943,"channel":1,"num_words":1,"start":632.125,"end":632.5919}]},"summary":{"result":"success","short":"The financial adviser from Oakview Financial explains that their company manages a mixture of cash and property and offers an initial consultation to help meet the customer's goals and achieve their financial outcome. They suggest a strategy plan and offer to provide a fee structure for one-off advice and client's investment. They emphasize the need for comfort in the customer's financial situation and provide a fee structure for one-off advice and client's investment. The customer will receive a fee structure for one-off advice and a fee structure for the client's investment. They schedule an appointment for the financial adviser and advise following up with their financial adviser."},"intents":{"segments":[{"text":"Did you still need any help or assistance in that area at all? Yeah.","start_word":50,"end_word":63,"intents":[{"intent":"Discuss options for assistance","confidence_score":0.0006597879}]},{"text":"I was just wanting to discuss how what we're doing with our our super fund. It's self Right.","start_word":64,"end_word":81,"intents":[{"intent":"Discuss super fund's situation","confidence_score":0.0645827}]},{"text":"So you're the actual financial adviser? That's correct.","start_word":83,"end_word":90,"intents":[{"intent":"Understand financial adviser's role","confidence_score":0.00014065609}]},{"text":"up until now, and it's a mixture of cash and and property. We've actually got an office that we have leased out in in Southport, so Yes.","start_word":186,"end_word":212,"intents":[{"intent":"Retain cash and property","confidence_score":0.03496252}]},{"text":"We've actually got an office that we have leased out in in Southport, so Yes.","start_word":198,"end_word":212,"intents":[{"intent":"Maintain office","confidence_score":0.0053526643}]},{"text":"But in terms of the cash, we've traditionally, we've just had per deposits with the big banks and Mhmm. returns are not very good on that. And probably, we've never ventured into owning shares. So we're probably just looking at, you know, what direction do we go now Yes.","start_word":235,"end_word":283,"intents":[{"intent":"Evaluate direction","confidence_score":0.14923665}]},{"text":"Well, to give you an idea of how financial advice works, have you, to start up with, ever spoken to an adviser before or ever sought financial advice in the past?","start_word":295,"end_word":325,"intents":[{"intent":"Get advice","confidence_score":0.0024265246}]},{"text":"Yep.","start_word":410,"end_word":410,"intents":[{"intent":"Consultation","confidence_score":0.030366864}]},{"text":"Well, we do a risk profile analysis with you so we work out what your, tolerance is, what sort of investments you're after, what your time horizon is, and what sort of risk you're willing to take, and talk about the different options available to you.","start_word":450,"end_word":495,"intents":[{"intent":"Discuss options","confidence_score":0.15000379}]},{"text":"Or we can also, depending on the outcome, also do up a bit of a strategy paper, which gives you some options for investments, and that's completely complimentary. Yep.","start_word":635,"end_word":663,"intents":[{"intent":"Discuss investments options","confidence_score":0.009423212}]},{"text":"you know, previously, we thought about getting financial advice and, you know, the problem with having managers managing it quite often the cost of it is takes away from the benefits Yep.","start_word":690,"end_word":721,"intents":[{"intent":"Discuss financial advice","confidence_score":0.030534996}]},{"text":"Do you mind if I ask, Ernie, how much do you have in cash at the moment?","start_word":740,"end_word":756,"intents":[{"intent":"Gather cash","confidence_score":0.015545917}]},{"text":"Would you be open to maybe doing an initial consultation with me here in the office to go through your goals and everything in detail, or did you prefer to do something over phone, or would you like to how would you like to sort of I'm look happy at doing to the come research in and with sit me? down with Yeah?","start_word":853,"end_word":915,"intents":[{"intent":"Provide consultation","confidence_score":0.0013945524}]},{"text":"Would you be open to maybe doing an initial consultation with me here in the office to go through your goals and everything in detail, or did you prefer to do something over phone, or would you like to how would you like to sort of I'm look happy at doing to the come research in and with sit me? down with Yeah? you, and and we could probably put forward some things that we've been thinking Yeah.","start_word":853,"end_word":930,"intents":[{"intent":"Discuss goals","confidence_score":0.59691924}]},{"text":"Did you want me to maybe get them to send the fact find out to you prior so you can have a look over the information that we would be looking to talk to you about and the information we'd be seeking in order to provide financial advice? Yeah.","start_word":1063,"end_word":1111,"intents":[{"intent":"Ask for information","confidence_score":0.0013287708}]},{"text":"You can put forward the things that you've definitely looked at. We can talk about your interests, and then have a more detailed conversation around your risk capacity, what you're after, and the tolerance, and really sorta nut down, you know, how we can help you moving forward. Is that okay?","start_word":1296,"end_word":1346,"intents":[{"intent":"Discuss risks","confidence_score":0.033092543}]},{"text":"We can talk about your interests, and then have a more detailed conversation around your risk capacity, what you're after, and the tolerance, and really sorta nut down, you know, how we can help you moving forward. Is that okay?","start_word":1306,"end_word":1345,"intents":[{"intent":"Discuss benefits","confidence_score":0.0066273967}]},{"text":"Essentially, with our fee structure for one off advice, we would be looking to charge just an upfront implementation fee. It can be paid for however is more convenient for yourself. It could be out of pocket, or we can invoice the super fund for that. It's absolutely fine.","start_word":1447,"end_word":1495,"intents":[{"intent":"Charge fees","confidence_score":0.008610297}]},{"text":"We would invoice the the fund to have that paid.","start_word":1546,"end_word":1555,"intents":[{"intent":"Invoice funds","confidence_score":0.426256}]},{"text":"I just wanted to sort of touch base to begin with, give you an idea of how things work with financial advice, what the, you know, one off fee might look like for the advice that we are providing, and just sort of give you a bit more detail there.","start_word":1710,"end_word":1759,"intents":[{"intent":"Discuss financial advice","confidence_score":0.07928379},{"intent":"Discuss one off fee","confidence_score":0.005435395}]},{"text":"You can see us here in the office, then we can, you know, go through a bit more detail around what you're after, your goals, your objectives, and see how we can help you moving forward. Thank you.","start_word":1768,"end_word":1805,"intents":[{"intent":"Discuss goals","confidence_score":0.26543254}]},{"text":"And just to double clarify, you mentioned that there was another member of your fund as well. Is that your partner, your wife, or Wife. Yes. wife yet beautiful?","start_word":1813,"end_word":1841,"intents":[{"intent":"Clarify partners","confidence_score":0.010902355}]},{"text":"Sometimes I do it is a bit hard for some of my clients who are couples to get involved. So I have done appointments where we might have teams on in the office where one person's here, another person's or somebody else on the phone. So just wanted to clarify so we can accommodate for, you know, you guys if you are having trouble working your schedules together. Okay.","start_word":1861,"end_word":1929,"intents":[{"intent":"Clarify scheduling difficulty","confidence_score":0.009266576}]}]},"sentiments":{"segments":[{"text":"Annie Harvey speaking. Hi, Ernie. This is Dana from OKIE Financial.","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.2082097828388214},{"text":"How are you this morning?","start_word":11,"end_word":15,"sentiment":"positive","sentiment_score":0.4026651382446289},{"text":"From where? OKIE Financial. You called in the other day asking to seek someone advice? Oh, yes. Sorry. Yes. Yeah. See, It's that's in financial okay. adviser. The Yeah. yes. Correct. No. That's okay. Did you still need any help or assistance in that area at all? Yeah. I was just wanting to discuss how what we're doing with our our super fund. It's self Right. managed. So you're the actual financial adviser? That's correct. Yes. As I mentioned, my name is Dana. I'm one of the financial advisers here at Oakview Financial. So the girls have let Yep. me know you've called in just looking to try and get someone off advice there and maybe some assistance. So we thought we'd give you a call, find out a bit more about what you're after, and then we can sort of see if there's something we can help you and go forward from for you. Is that okay? Yep. So we've Yeah. kind of managed our own super fund Yes. up until now, and it's a mixture of cash and and property. We've actually got an office that we have leased out in in Southport, so Yes. that that's part of it, and and we'll probably retain that because we've got some capital growth and Mhmm. has a return. But in terms of the cash, we've traditionally, we've just had per deposits with the big banks and Mhmm.","start_word":16,"end_word":253,"sentiment":"neutral","sentiment_score":0.09921141713857652},{"text":"returns are not very good on that.","start_word":254,"end_word":260,"sentiment":"negative","sentiment_score":-0.3503313362598419},{"text":"And probably, we've never ventured into owning shares. So we're probably just looking at, you know, what direction do we go now Yes. and Yep. how could you guys help us. Yeah.","start_word":261,"end_word":292,"sentiment":"neutral","sentiment_score":0.006236329674720764},{"text":"Absolutely.","start_word":293,"end_word":293,"sentiment":"positive","sentiment_score":0.35018861293792725},{"text":"Well, to give you an idea of how financial advice works, have you, to start up with, ever spoken to an adviser before or ever sought financial advice in the past? Well, we have to some degree with our accountants, but not no. Not really. No. No. That's that's okay. So, essentially, how financial advice works and what we do as advisers is we start off by having a full initial consultation with yourself. And if there's other members in the staff on your super fund, we would probably need to include that as well so that all members have a bit of say because your funds do a a combination of all members and contributions. Yep. So what we essentially do is we have an initial consultation with you. We go into detail, do a bit of research around all of your circumstances, the balance, what you have invested, where the money in is invested. Well, we do a risk profile analysis with you so we work out what your, tolerance is, what sort of investments you're after, what your time horizon is, and what sort of risk you're willing to take, and talk about the different options available to you. And then we do draw up a plan, so it takes a couple of weeks to go back and do a bit of research on all the different options out there for you.","start_word":294,"end_word":528,"sentiment":"neutral","sentiment_score":0.18714705109596252},{"text":"And then we draw up a plan that is there to help you meet your goal, to help you get the outcome that you're after.","start_word":529,"end_word":553,"sentiment":"positive","sentiment_score":0.5054885745048523},{"text":"I would need to maybe do probably initial consultation and go through a bit more detail with you, which I could do over the phone. Or if you wanted to come into the office, we could do that together.","start_word":554,"end_word":592,"sentiment":"neutral","sentiment_score":0.1863848567008972},{"text":"That's absolutely fine.","start_word":593,"end_word":595,"sentiment":"positive","sentiment_score":0.4964843690395355},{"text":"If you're not sort of after that kind of advice, I could just have a general chat with you now and maybe give you some general information or general advice around what options might be available to you.","start_word":596,"end_word":633,"sentiment":"neutral","sentiment_score":0.10600431263446808},{"text":"Or we can also, depending on the outcome, also do up a bit of a strategy paper, which gives you some options for investments, and that's completely complimentary.","start_word":634,"end_word":661,"sentiment":"positive","sentiment_score":0.3646053373813629},{"text":"Yep. Yep. It does. And, I mean, we're not we're not a large super fund. We've probably only got about a million dollars in in investments. So, Yeah. you know, previously, we thought about getting financial advice and, you know, the problem with having managers managing it quite often the cost of it is takes away from the benefits Yep. of the of the the the flow of money because it's not a big Yeah. fund. No. Understandable. Do you mind if I ask, Ernie, how much do you have in cash at the moment? A bit over half 1,000,000. Okay. So you've got a pretty decent balance in cash. And with the the property in the fund, do you have any loans owing on any of the properties, or are they all debt No. free? It's the one. That's Nope. crazy. Okay. Perfect. Debt free. Beautiful. Well, would you be open to maybe coming in? Because you're sorry. Whereabouts are you local? I do apologize. I don't have your address here in front of me. Whereabouts are you located? Oh, we're at Paradise Point. Okay.","start_word":662,"end_word":847,"sentiment":"neutral","sentiment_score":-0.0207370538264513},{"text":"Beautiful.","start_word":848,"end_word":848,"sentiment":"positive","sentiment_score":0.33797067403793335},{"text":"Because we're in Southport. Would you be open to maybe doing an initial consultation with me here in the office to go through your goals and everything in detail, or did you prefer to do something over phone, or would you like to how would you like to sort of I'm look happy at doing to the come research in and with sit me? down with Yeah? you, and and we could probably put forward some things that we've been thinking Yeah. about in in investing the Yeah. cab. Yes. We're more comfortable with property than kind Yep. of theirs. Yep. That's okay. And so but anyway, Yeah.","start_word":849,"end_word":956,"sentiment":"neutral","sentiment_score":0.11960599571466446},{"text":"No.","start_word":957,"end_word":957,"sentiment":"negative","sentiment_score":-0.3766106963157654},{"text":"happy That's to okay. That's talk, sit down, and talk to you. absolutely. Well, what I'll do because I don't believe the girls have sent out much of an email to you recently. So I'll get them to send out an email to you just with our copy of our financial services guide so you can get a bit of detail around us, who we are, what we do, and how we do it. We do need to go through a bit of a research of fact find with you and sort of get an understanding of the assets, your liabilities, what your goals are. Did you want me to maybe get them to send the fact find out to you prior so you can have a look over the information that we would be looking to talk to you about and the information we'd be seeking in order to provide financial advice? Yeah. You can email me there. Yep. Yep. Beautiful. And And you've in got the my email there? I do. Yeah. So I've got ernie dot h at dadbar dot com dot a u. Is that right? Yeah. Correct. Yeah. Beautiful. Dadbar is d a b b a r. Is that spelled correctly? Yep. That is. Yeah.","start_word":958,"end_word":1167,"sentiment":"neutral","sentiment_score":0.06743703037500381},{"text":"Beautiful. Beautiful. I'd definitely love to go through and have a chat with you.","start_word":1168,"end_word":1181,"sentiment":"positive","sentiment_score":0.49732646346092224},{"text":"Probably in person tends to make it a bit easier, and it kinda brings a bit more face to face. You can see what I look like coming to the office here. Sometimes it can be a bit more comfortable for you when we are discussing your personal information, your super fund. I mean, you've worked so Yep. hard to build this fund up to what it is, so we wanna make sure you are comfortable going through all of that.","start_word":1182,"end_word":1262,"sentiment":"neutral","sentiment_score":0.1626168042421341},{"text":"So if you're comfortable, I would love to meet you in person and do a full proper initial consultation, go through everything in detail with you, talk about what your goals are. You can put forward the things that you've definitely looked at. We can talk about your interests, and then have a more detailed conversation around your risk capacity, what you're after, and the tolerance, and really sorta nut down, you know, how we can help you moving forward. Is that okay? That's good.","start_word":1263,"end_word":1347,"sentiment":"positive","sentiment_score":0.44826953165671407},{"text":"But put that Yeah. in email, and Yeah. and we can probably organize something maybe next Yep. week or the week after.","start_word":1348,"end_word":1369,"sentiment":"neutral","sentiment_score":0.22905541956424713},{"text":"Absolutely. Not a problem at all.","start_word":1370,"end_word":1375,"sentiment":"positive","sentiment_score":0.4667564630508423},{"text":"Now I will also pop in the email our fee structure. So I've got down here that you are looking for one off advice. You're not sort of wanting anyone to manage that. Is that right? Yeah. No. That's right. I Yep. I That's, think we can do that ourselves. yeah.","start_word":1376,"end_word":1426,"sentiment":"neutral","sentiment_score":0.06893841177225113},{"text":"That's absolutely okay.","start_word":1427,"end_word":1429,"sentiment":"positive","sentiment_score":0.4740191698074341},{"text":"So to give you an idea, I wanna make sure that you're aware of things in advance. Essentially, with our fee structure for one off advice, we would be looking to charge just an upfront implementation fee. It can be paid for however is more convenient for yourself. It could be out of pocket, or we can invoice the super fund for that.","start_word":1430,"end_word":1492,"sentiment":"neutral","sentiment_score":0.22403283417224884},{"text":"It's absolutely fine.","start_word":1493,"end_word":1495,"sentiment":"positive","sentiment_score":0.43380171060562134},{"text":"But the fee itself is we're just looking at charging for what we invest. So if we're looking at the money that's in the cash account, we charge sorry. It's 3.3%, and it's capped at balances of a 150,000. So the most anyone pays for that implementation fee is $4,950. We would invoice the the fund to have that paid. And, yeah, look, at the end of the day, everything we do up until the point we you decide to come on board and take on the advice, we generally do it complimentary. But I think first things first, we'll just go through the the initial consultation, get a bit more detail around you guys, what you're after, get some more research in the fund there, and I'll pop that fee structure into the email for you as well so you have that nice and clear. Is that okay? Okay.","start_word":1496,"end_word":1645,"sentiment":"neutral","sentiment_score":0.20690953701734544},{"text":"Thank you.","start_word":1646,"end_word":1647,"sentiment":"positive","sentiment_score":0.4388262629508972},{"text":"Yeah. That's okay. Do you have any questions so far at all? No. None at all. Just sent No. through the email. Yeah.","start_word":1648,"end_word":1670,"sentiment":"neutral","sentiment_score":0.04672599583864212},{"text":"All good, Annie.","start_word":1671,"end_word":1673,"sentiment":"positive","sentiment_score":0.4051864743232727},{"text":"Well, look, Okay.","start_word":1674,"end_word":1676,"sentiment":"neutral","sentiment_score":0.31515440344810486},{"text":"it was absolutely absolutely fabulous to get to know you this morning and have a bit of a quick chat.","start_word":1677,"end_word":1696,"sentiment":"positive","sentiment_score":0.7688905000686646},{"text":"I do apologize. It was very limited as to what we can do. I just wanted to sort of touch base to begin with, give you an idea of how things work with financial advice, what the, you know, one off fee might look like for the advice that we are providing, and just sort of give you a bit more detail there. And then, you know, we can come together. You can see us here in the office, then we can, you know, go through a bit more detail around what you're after, your goals, your objectives, and see how we can help you moving forward.","start_word":1697,"end_word":1803,"sentiment":"neutral","sentiment_score":0.14681775867938995},{"text":"Thank you.","start_word":1804,"end_word":1805,"sentiment":"positive","sentiment_score":0.3852712512016296},{"text":"That's okay. Not a problem at all. And just to double clarify, you mentioned that there was another member of your fund as well. Is that your partner, your wife, or Wife. Yes. wife yet beautiful? Would she be able to join us at all to go through things? Yep. Obviously. Yeah. No. That's okay. Sometimes I do it is a bit hard for some of my clients who are couples to get involved. So I have done appointments where we might have teams on in the office where one person's here, another person's or somebody else on the phone. So just wanted to clarify so we can accommodate for, you know, you guys if you are having trouble working your schedules together. Okay. Okay.","start_word":1806,"end_word":1930,"sentiment":"neutral","sentiment_score":-0.0029216702096164227},{"text":"Thank you very All much. good. My pleasure, Ernie. I'll get that email sent up shortly for you, clarifying the things that we've gone through.","start_word":1931,"end_word":1955,"sentiment":"positive","sentiment_score":0.5901204967498779},{"text":"I'll outline a bit more detail there for you to run through another financial services guide there. You will also have my contact, and I'll cc in my administration team as well, and they'll just follow-up to make a time to have an initial consultation with you both. Okay?","start_word":1956,"end_word":2004,"sentiment":"neutral","sentiment_score":0.24263045191764832},{"text":"Thank you so much for your time, miss Monie. I hope you have a lovely day. Okay.","start_word":2005,"end_word":2021,"sentiment":"positive","sentiment_score":0.7947112917900085}],"average":{"sentiment":"neutral","sentiment_score":0.15697615607978674}}}}