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Is now still a good time for you? Yeah? Okay. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I'm speaking with the right person for security purposes, could I please get you to confirm your full name, date of birth, and address, please? Yep. Beautiful. And how's your morning or day been so far? Yeah. Good. Good. Good. Which is nice. Now, Ben, do you have access to your emails at the moment, or are you kind of on on the go? Okay. Yep. So if you are happy for me to do so, I will kind of go over the main points. We've already touched on a lot of it, so it should be fairly straightforward, but I'll kind of just cover the recommendation and what it looks like. And then when you have time, obviously, later, you can always just have a read through the document. And if you then have any questions, you can always give me a callback. Would that be okay? Yeah. Okay. Perfect. So if you did see, I sent you two emails. The reason being is that the o design, so, like, the electronic signature one, so similar to kind of, like, the under review setup where we ask you to sign the document, that is for both you and Hailey as, obviously, you both have to agree through the recommendation. So that is for both of you. Now Hailey's adviser will also do the same kind of recommendation as I'm going through with you today with her, and then there's both of your signatures on it to make sure, obviously, it's all clear, you're both happy, and we can move forward. In the separate email, the reason I didn't attach it is because you have individual appendices, and that is just some personal information in regards to you, which I'd obviously not to be shared, and also how the tax will be specifically tailored for you. So that is the reason why it's kind of separate if that makes sense. Yep. Okay. Beautiful. So with the actual recommendation, so when you do have it, click through the documents. On the link, you will see that it has been prepared, and I've worked closely with Hailey's adviser, Tommy. So I've kind of made, obviously, recommendation and stuff based on what we've discussed. He's obviously spoken to Hailey, and then together kind of done a recommendation that we believe are the best for both of you with the situation and everything outlined in the consent order for your kids at the end of the day. So yes. Any questions? Mhmm. Yep. Yes. So with the consent order, it's not super clear. So the way that the consent order reads is that, obviously, the investment is to remain in both of your names, be liquidated, and then transferred over to investments on behalf of, obviously, your children, and you will then manage everything for you. Because it is being liquidated and transferred out of both of your names and currently sits in both of your names, she will have to sign off on the fact that she agrees through the money being transferred out because of the consent order. So that is the only reason why she obviously has to be in the recommendation, and then that signing that one, if it was worded and structured that the investment is to be transferred over to you and then you have full say in how that money is then being transferred in through to send it directly with you. But because the consent order specifically shares says that the asset does not form palm of the matrimonial property pool available for division between the parties, that's why we have to do it this way. You still have full control of the investment. It is just for her to agree because because it can't be split before, there's obviously a capital gains tax consequence to both of you as it will be liquidated that way. And because, obviously, that affects her as well, that's why she has to be involved. But once we set up the account so if she obviously agrees and signs the SOA, that's it. You have then full control of what you want, and we don't have to involve her at all. So in terms of, like, the questions I asked you with age, estate planning, that is just for you. Because you can ultimately kind of decide the age of what you want, and you can change investments and do everything just you, like, just us. It doesn't have to go through her. It is just to get the money out and transferred over, if that makes sense. Yep. With this exactly. That she agrees for the IDPS to be split and transferred over through investment bonds for, obviously, Abigail and William. This is the recommendation we have made in terms of how the money is invested and everything for that. And if she's happy, agrees, then we can move forward with the implementation just yeah. Does that make sense? Like yeah. Okay. Now with the capital gains tax, I'll probably start there first. I'm not sure if you did see the other email. So that is basically outlined in the appendix. Now because, obviously, the the funds are being, obviously, just for the purpose of your children, because of the capital gains tax event, it obviously they will be split equally between you and Hailey, and then you just pay your portion, and that's it. So I have included that in the appendix. And just for your reference, roughly how much it will be. So when you have a moment later in the appendix, it shows the current value of the IDPS, which is a 172,761. The net gain is 9,347. That's a lot of numbers, so it's all in there for you to have a look at later. You only pay 50%. She pays 50%. So your portion is 4,673, but that is then taxed at your marginal tax rate, which including medical levy is 39. So the total net tax payable will be about 1,822, if that makes sense. Yep. Perfect. So that has not come out of the money for the kids. That's just separately, and then you guys can pay that completely separately. Yep. Beautiful. Now with the recommendation, you will see that it has been prepared, obviously, for both of you. You will see my details listed as well as Hailey's advice's details from a compliance point on the cover page. Now just as per usual, we always have to follow that best interest duty, which is that we have to or I have to always act in your best interest at your at all times because you are my clients, and make sure that the advice puts you in a better position as a result of the advice. Otherwise, I can't actually make the recommendation. And, obviously, Hailey's advisers are bound by the same legalities, but just looking after her. So kind of completely separate. Yep. Now when it comes through, I haven't put this in the document because I didn't want it to be shared with Hailey, and it's just for you when it comes to your concerns with the child support payments. So I'll just kind of talk to you about it because I didn't put a wanted to put that in writing. Sorry. I did obviously look into it, and and the good news is that this should actually turns out more favorable for you because the child support payment are only income tested. It's not asset tested. It's income tested. So with the IDPS structure that it currently works, obviously, it's held in your personal name and Hailey's personal name. Any dividends of income that you receive from the IDPS gets added to your taxable income, which then impacts how much child support payments you have to pay because it's part of your assessable income. Now with the investment bond, it will not impact anything. So because it is locked into an investment bond, and if you keep it for that ten year time frame and then sell it or transfer it to the kids, then it does not form part of your income. So it doesn't, after ten years, get added to your taxable income at all. Because it doesn't get added to your taxable income, it is not something that you will then pay child support on. So if this grows a lot, which, obviously we we want, it doesn't matter. As long as you don't take it out before the ten year period, it doesn't get added to your taxable income. So if anything, it should put it in a better position for you from a child support payment because before, or the way things are currently structured, you get added dividends to your taxable income. The investment bond does not. Yep. Sorry. I didn't put that in the document, obviously, because I just wanted to tell you that. No. That is all good. Now the recommendation is pretty straightforward. We are only just completely separate, just talking about the investments for the kids. That is it. That is the only thing we're looking at. So what the actual recommendation is is outlined when you have a moment later. So, basically, it summarizes everything on page eight, and it's all in writing as well as the summarizes everything on page eight, and it's all in writing as well, and we're trying to mimic as close as possible to the consent order so that everything matches as well, which is great, which is that we have recommended that you sell your personal investments with hub twenty four, use the proceeds to then establish and invest in a investment bond with Generation Life. So the product is Generation Life. Now there is a lot of different investment bonds available out there that we've looked at. Generation Life and Australian Unity are kind of, like, the biggest and most competitive ones. Generation Life are a little bit more tax effective. They have a lot more investment choices available and gives you more flexibility with the amount of contributions and stuff that you want to do or how you want to structure it, then Australian Unity. So I have recommended Generation Life, that's the product, with the investment bond. Now what we have recommended is obviously selling the IDPS completely and transferring all the balance over through the investment bond. It's two separate bonds, one for each of your children split equally. So 5050% are distributed to them each. I've also put in the document that you will be solely independently managing each of the accounts then held in that trust for the child with the investment bond. So that is in wording in this document as well to make it super clear. Now I have also included kind of two contribution options for you. The first one, which is is in the recommendation, is looking at that $20 per week per child into the investment bond. In the appendix, I have included the $10 for you so that you can see the difference and then kind of work out whatever you feel is going to be the best for you cash flow wise and stuff like that. Yep. Perfect. Now we've also put just a transfer date must be nominated for the funds to be transferred through the beneficial owners, which is each child. So when we set up the application, you have to let us know at what age you want it to go through the kids. We have recommended a minimum of ten years. It can be anywhere up until they turn 25. So do you know at this point at what age you would like it to go? Would you want, like, 18, 20, 21, 25? Do you know? I would have to triple check because sometimes at application stage, which obviously wouldn't happen today, that will be when you both obviously sign the documents. We have the funds, and we will set up the application. So it still gives you a little bit of time to think about. Sometimes when you set the kind of vesting date, it stays in place. I will triple check that for you, though, and I can put it in an email, And then you can even respond to that email when you've had a bit of a time to think about it on if you wanted to be 25. Because some people say, yeah. Cool. 18. Happy with it. Others feels well or 18. Are they really going to be financially able to look after that amount of money, and maybe you want it a little bit a little bit later? So the choice is yours. We do or I do recommend a minimum of ten years, though, to get kind of the tax advantage. So I will yes. Like exactly. You could do when, let's say, Abigail turns 20 and, when William turns 18, if that's what you wanted, because it's two separate ones. So you can choose or whether you wanted 18 for both of them, then, obviously, one's going to receive it before the other because there is that age difference. You can you can decide. Yep. Yes. Yep. I will go and triple check that for you. I have a feeling you can't, but I will triple check for you and put that in the email. Yeah. Yes. Now the good thing with the investment bond as well is even though so they are obviously child investment bonds set up specifically for the kids, at the time of vesting so let's say whether that is 25 or 20 or 18, whatever you decide, they still have the option of continuing it as a kind of a adult investment bond or whether sell it completely. So it gives that kind of flexibility without setting the ten year time frame. So even, let's say, when they turn 18, if they go, oh, this is a pretty good investment, and I've already met that ten year time frame. So anything continuing on, I can stay for another year, another six months. I don't have to pay any capital gains tax or reset the time frame. They can continue on the bond. It can convert to a adult investment bond for each of them if they choose to do that. So they can then draw, like, draw an income stream from it or just sell everything and completely take it all the cash. It can then kind of be it gives us a lot of flexibility on depending on what's relevant at the time. So it is a really good way where if you do wanna be the bit of an income stream or whether it is private school or university fees or a car or a house deposit or whatever it might be, it gives the flexibility of choosing, which you don't have to choose now. It could just be if nothing if it's not sold down before vesting date, it automatically changes through a adult investment bond, but you can still cancel it whenever you want to after that. Does that make sense? Yep. Okay. Perfect. Now when it comes to the actual growth so how the money is invested, when we spoke last, we kind of agree that that growth profile is suitable. You have kind of the time frame to take advantage of that growth portfolio. You do have that more than six to seven years, which is usually what we are kind of looking at for that growth profile without going into, like, your high risk investments, because it is for your children. Yep. Perfect. Now with the actual investment bond with GenLife, I have done a comparison for you so you can actually see how it's putting it in a better position than the way things are currently set up. So not even factoring in that, obviously, we want to sell out from, obviously, a complexity point of view and have it directly to your kids, that this type of investment is actually growing the funds a lot quicker and better than the current setup as well. So that is summarized on page fifteen and sixteen. It's two identical because it's $50.50 for both your kids, but it's just showing the situation of Abigail and then showing it for William. It is exactly the same, though. It is just showing that half the funds goes to Abigail and half to William. Now with the actual recommendation, you can see that the Generation Life investment bond is actually cheaper than the current IDPS structure with hub twenty four as well. So it's saving in fees alone at about $1,017 per investment bond. So, obviously, times that by two to get the total fee, for each bond. So it's not only making it cheaper, obviously, provides that protection for your kids, but it is making it a lot cheaper as well, which is great. So, obviously, less fee coming out means more money for your kids at the end of the day. You you also when we are comparing a performance, so performance point of view, your current investment portfolio in Hub twenty four has performed at about 9.42%. The recommended portfolio with Generation Life, and this is after tax rates as well. So after all tax, which is great, has performed at 11.07%. So, again, not only being cheaper, it has performed better than the construction in Hub 24. Yep. Mhmm. That's good. Now I have projected forward ten years for you to kind show you that if you were to just leave it or, let's say, set up another investment with hub twenty four, for example, in both the kid's name versus the investment bond, over a ten year time frame, it is estimated to be a difference of about 87,000, which is pretty crazy. And and that is not only factoring in that when you if you were to keep it in the current structure or split it and say set up two separate ones for the kids, at the end of that ten year time frame or five years, whenever you were to sell it, you would have to pay capital gains tax on that balance. You did not have to do that with Generation Life as long as we keep it for the ten year time frame. So, obviously, a bigger growth difference, which is fantastic. Now the fee which is great. Now the fee structure for you is a little bit different, so I do wanna kind of outline that. It works out more favorable because it's investments for the kids. So with the current structure, so the current IDPS, we do charge a 1.1% ongoing management fee from the IDPS. With the investment bond, we will not charge an ongoing advice fee, which is great. So, overall, it will save you about $981 based on the current balance for each investment bond because we will not charge an ongoing management fee for them. Now there is a upfront fee just to kind of get, obviously, all the administration and application and everything up and running. That is typically $7.50 for each investment that we set up. So each investment bond or each personal investment, it's a flat fee for $7.50. I have got approval to split that fee into two. So both bonds together is $7.50, but it's only $3.75 from each bond. So making it a little bit cheaper for you. Does that make sense? Yep. Perfect. But, obviously, the setup fee for each bond at $3.75 versus the ongoing management fee currently at $9.81, obviously, massive difference. So, again, it makes it more affordable because it's specifically investing for your children with this generation of life bonds. Any questions so far? No? Okay. Perfect. Now what the actual portfolio investment looks like is outlined on page 17 when you have a moment. So, again, we do want to keep things diversified for you, and we do want to align with the risk profile. We've also tried to select the most tax effective investment option. So with Generation Life, they have kind of three different categories on different investments to be tax effective. So what I try to do is what can give you the highest returns, less fees, and the most tax effective option while still making sure that we align with that eighty twenty allocation to assets. So what that looks like from an investment point of view is investing 40% in through one investment that's called the generation life tax effective Australian share funds. So it's like a managed fund managed by generation life focusing on Australian investment, and it has been set up specifically to be as tax effective as possible. So that one has done really well. It's very diversified for you. We then wanna make sure we do give you the global exposure. Obviously, you don't want everything in Australia. We wanna give you the global exposure. So to get you the international equity side of it, again, a managed fund, 40% is Hyperion Global Growth Companies. I'm not sure if you've heard of them. They're they're quite big. No. No. They are massive. They've won heaps of awards. Performance have been really good. Obviously, it is a managed fund, so they can see a bit of fluctuations in the short term. That is, like, the nature of it. But, obviously, we have the time frame behind us to to take advantage of those ups and downs in order to grow it as much as possible while still keeping things very diversified. Now we then don't want everything in your equity, so we wanna make sure we give you the defensive component for the kids at 20%, which is then invested 20% into Vanguard conservative portfolio. So this is a portfolio run by Vanguard, which you may have heard of. They're quite big as well. Yeah. So they have obviously different portfolios, and this one is their kind of really conservative to give you the Australian fixed interest, international fixed interest to limit fluctuations because we don't want everything in equity. So it gives you kind of a good overall asset allocation where you do have about 40% in Australian investment, 40% across the globe, and then 20% spread across international interest, Australian fixed interest, and cash as well to give a good kind of balance in regards to the portfolio. Now the really good thing with the portfolio as well is how it actually impacts things from a tax point of view. So with the the tax, so, obviously, with the current in IDPS structure, obviously, anything that you earn, the dividends and stuff like that that you earn will be taxed at your marginal tax rate, which is obviously 39% for you. Within the investment bonds, because it's kind of like a a tax vehicle for investing as well, the maximum tax rate within any bond is 30%. But we obviously wanna minimize that as much as possible and do investments that is as tax effective as possible. So the portfolio that we are just kinda went through with you, so based on their projections, the effective tax rate quoted is likely to be more around 4.95% within the bond. So, obviously, a massive difference. Yep. So that's really good. Now the one thing I do kind of want to mention, which I've touched on briefly with you before, is the the kind of a 125% rule of contribution. So that is something kind of the the downside, I guess, or to be mindful of, which is that 125%. Now the good thing is that the first twelve months, there's no rules. So you can do as much as much as you want without triggering anything. The only thing is if you decide to only do $10 over the whole course of the year, the following year, you can only do a 125% of what you've done this year. But it's at the end of the year. So you gives you time throughout the year. So if, let's say, we do the regular savings, which is good because that means you obviously do dollar cost averaging into the bond. You take advantage of ups and downs in the market, which is great. If that structure doesn't work for you or something unexpected comes up and you need to stop it, we can do that. Just let us know, and we can we can put a pause on it. And then if something changes and at the end of the financial year, you you get a little bit more and you go, oh, okay. I wanna put a little bit more in because you weren't able to do it for a period, we can do that. So we can obviously work with you to give you the flexibility. Generation life is good as well. So if you do accidentally do go over the 125% rule, so if you don't tell us and you go, yeah. Cool. I'm just gonna check this in. I'm not sure. Generation Life will give us a little heads up to say, hey. This person has exceeded the rules. Do you want to proceed with that, or do we wanna refund the money back? So they do give us that kind of heads up, which is great. But I would say, let me know if you wanna change things drastically so that I can check. If it is a situation where you come across an inheritance or win the lottery or whatever it is and you go, you know what? I wanna put more money for the kids, we could then typically, what happens so you might not want to reset the time frame. If it's within the first one or two years and you go, well, the expected age of when I wanna give it to the kids is 25, I have more than ten years until the kids turn 25, we could look at if the best is to just put it in, reset the time frame because it's still within the the age, or whether it is sometimes what we do for clients, if that happens, is just to set up a separate bond, which then means that, let's say, you have 20,000 or something you wanna set up separately, one bond will obviously mature before the other. So you can start accessing that, and then the other one will be a little bit later. So we can obviously work with you what you want if that ever happens. Yep. Does that make sense? Yep. Yeah. Great. Perfect. Now what we will do as well is that with the investment bond, how how it works is that anything as an initial deposit over 50,000 will trigger stamp duty. We don't want you to have pay the same duty. So a way to work around it is that we can set up the investment bond with exactly 50,000. And then literally day one, because there's no restrictions on how much money you can put in the first twelve months, we can then deposit the rest of the money in straight away. And that means that Generation Life will pay the stamp duty, not you. Yep. Makes sense? Yep. Great. Perfect. So I'll make sure as well, obviously, if both you and Hailey are happy with that, that that's exactly how we set up the implementation is we do not want you to have to pay the stamps duty. We want them to pay for it, but still having the money in there for you. So it would just be like a a deposit the following day to get that money in without you having to pay for that stamp duty. Perfect. Now, basically, everything I've touched on, it is highlighted. So it is quite wordy in the the statement of advice, but it's also to allow you the opportunity to read over everything in your own time. You will have a kind of a section outlining why this is in the best interest duty for, obviously, both of you and based on the consent order, gives you the full flexibility. You can change investments whenever you want to as well, which is great. So it gives you full management just you of the accounts, which is what we want. It kind of outlines all the advantages in regards to what I've just kind of discussed. So, obviously, from a tax point of view, from a security point of view for the kids, also benefit for you is that it obviously doesn't get added to the taxable income or any capital gains tax paid either by you or the kids when they take it after that ten year, which is great. Obviously, the disadvantage is that to get it really tax effective, you kind of have to leave it for the ten year time frame and being mindful of that 125% rule of contributions. I've mentioned there's a lot of different alternatives we consider. So just not doing an investment bond, doing other personal investment accounts, but in the kid's name, financial lien tax just wasn't as effective. Looked at different child savings accounts with bank accounts. Again, nowhere near as tax effective and security for your kids. Different investment bonds like Australian Unity, again, Generation Life was the most effective for for you. Now let me see here. And that is essentially everything. Sorry. I've touched on as well, obviously, the fee structure, that implementation fee, but discounted and split across the two bonds, and no ongoing advice fee, which is great. So overall makes it a lot cheaper. And that is essentially everything. Now in the how to implement our advice section, I have kind of outlined a couple of more steps just for you. So it says if you and Hailey are happy to go ahead with it, it will basically be to sign these documents to say that you are happy to go ahead with the implementation. Once we receive that back from both of you, we will then sell down the personal investment account with hub 24, withdraw all the funds to your bank account, and then from there, invested through the kids, $50.50 split for both your kids through Generation Life. At the time, for you to tell us about the transfer date, So, basically, what year you wanted to go for the kids, but I will investigate that. Like I said, I'll send you an email. And then also for you to consider the estate planning. So with the investment bond, it is good because you can put someone in place to take over the bonds if something were to happen to you. You can have it go to the estate if that's what you want, or you can nominate an account guardian, which can be different, to manage it for you. The rules will correct. So if something were to happen to you so it gives also that kind of it gives you more separation. So often with, obviously, other investments, it will just go straight to your estate. Your estate will then be distributed per your wishes. And then if that obviously goes to your kids who are under underage, then it could go obviously to their guardian depending who that is. Obviously, I'm not a lawyer, so I can't give you any legal advice. But the good thing with, perfect, but the good thing with the Generation Life Fund is you can nominate a sim similar to, like, how your superannuation. It can bypass kind of the estate planning, and you can put a straight nomination on the account of someone that you want to manage it for you until it gets transferred to your kids. So if something were to happen to you before the vesting date, you can then nominate someone who you want to manage it on your behalf. Whoever does manage it, though, still have the same restrictions in place. So, obviously, it has to be for the purpose of the child. They can't just take the money out of the investment bonds and spend it on whatever they want. It has to be for the purpose of the child. Otherwise, the children could kind of sue them for it. So there's still obviously a lot of that protection in place, but, yeah, it is there for you to decide. So when we do the application as well, have a think about who you want to put down as an account guardian. Yes. And then the last thing is obviously that contribution, like I said. So I have included monthly because that's how Generation Life sets it up, which is obviously then $80 per month. The appendix shows you the difference. So the appendix, actually, I have included through comparisons. So one is just $40 per month so that you can see the difference, and one is no contributions at all. So, again, you can see that difference. Yep. Mhmm. It it's up to each client. If it's something you want, then definitely. Some people just have it, like, an automatic debited from their account. That's how much they want. I just want it to go that way. Some people do chop and change throughout the year depending on their financial situation, and then we do add a reminder whenever they want. So whether that is after six months, after three months, after nine, whatever it is, where we can go to you to be like, hey. This is what you've currently contributed. Do you wanna make any changes before the 100 and Do you wanna make any changes before the 125% rule? So it it's kind of up to you what will you prefer. If you want us to do a reminder, we can do that. If you don't want it and you just wanna have it set and forget, we can do that as well. Yep. Do you have any questions for me at this point? Yep. Yes. Yep. Correct. Yes. Sorry. If yes. So so if you are happy, and that can be irrespective of you decide you deciding at age. So if you are happy to go ahead with it, you just sign the documents. And then as soon as both you and Hailey have signed it, I will let Hailey's adviser know that we've had the the conversation, and he's having that with her as well. Wait for that to come through. In the meantime, I will send you that email just to check if we can change the age at a later date if you want to. I will send that to you in an email regardless, and you can decide that after. It's just before we submit the application. We have to put it down. So it still gives you a bit of time to do that. Yeah. And the last thing I do wanna mention to you, Benjamin, though, is that on a personal note, I will actually be going on maternity leave next week. Okay. Thank you very much. So what will obviously happen is that I'm still got I'll still be here for this week, and I'll still be here for for next week. So, obviously, we can, you know, decide the the age if if you decide before that. But if not, my colleague, Jenna, will take over for me while I am on maternity leave. So it will be off for about twelve months, and I'm doing a very extensive handover with her next week on everything, making sure that everything, you know, we discussed continues to stay in place, both for your personal situation and, obviously, the investment bond. She will be, of course, obviously, everything to do with the implementation of the IDPS. And, again, she has had nothing to do with Haley or any of her situation. Completely separate, and she will be just looking after you in my set while I'm away. Yep. Thank you very much. So I will probably, about next week, send you a bit of an introduction email just so that you have her direct email and everything like that. You can always just call the office. And if you forget, if you ask for me, they will just transfer it through to her anyway. If you email me directly, she would get all of my emails transferred to her anyway. But I'll send you that kind of introduction email just so that you have her name and email address if there's anything that you need in the meantime as well. No problem. Well, if I don't hear from you by next week, obviously, I wish you all the best with everything in the meantime, and then I can't wait to kind of reconnect when I'm back and see where everything's at. Yep. Beautiful. Well, thank you so much, Benjamin, and thank you so much for your time today. And, yeah, keep a lookout for that email from me. I will get that clarified with that age for you as well. No problem at all. Take care then. 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afternoon, Ben. This is Veronica from AQ Financial. How are you? Good. Thanks.\n\nI had you booked in to go over the statement of advice with your recommendation. Is now still a good time for you? Yeah? Okay. Perfect.\n\nNow just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I'm speaking with the right person for security purposes, could I please get you to confirm your full name, date of birth, and address, please? Yep. Beautiful.\n\nAnd how's your morning or day been so far? Yeah. Good. Good. Good.\n\nWhich is nice. Now, Ben, do you have access to your emails at the moment, or are you kind of on on the go? Okay. Yep. So if you are happy for me to do so, I will kind of go over the main points.\n\nWe've already touched on a lot of it, so it should be fairly straightforward, but I'll kind of just cover the recommendation and what it looks like. And then when you have time, obviously, later, you can always just have a read through the document. And if you then have any questions, you can always give me a callback. Would that be okay? Yeah.\n\nOkay. Perfect. So if you did see, I sent you two emails. The reason being is that the o design, so, like, the electronic signature one, so similar to kind of, like, the under review setup where we ask you to sign the document, that is for both you and Hailey as, obviously, you both have to agree through the recommendation. So that is for both of you.\n\nNow Hailey's adviser will also do the same kind of recommendation as I'm going through with you today with her, and then there's both of your signatures on it to make sure, obviously, it's all clear, you're both happy, and we can move forward. In the separate email, the reason I didn't attach it is because you have individual appendices, and that is just some personal information in regards to you, which I'd obviously not to be shared, and also how the tax will be specifically tailored for you. So that is the reason why it's kind of separate if that makes sense. Yep. Okay.\n\nBeautiful. So with the actual recommendation, so when you do have it, click through the documents. On the link, you will see that it has been prepared, and I've worked closely with Hailey's adviser, Tommy. So I've kind of made, obviously, recommendation and stuff based on what we've discussed. He's obviously spoken to Hailey, and then together kind of done a recommendation that we believe are the best for both of you with the situation and everything outlined in the consent order for your kids at the end of the day.\n\nSo yes. Any questions? Mhmm. Yep. Yes.\n\nSo with the consent order, it's not super clear. So the way that the consent order reads is that, obviously, the investment is to remain in both of your names, be liquidated, and then transferred over to investments on behalf of, obviously, your children, and you will then manage everything for you. Because it is being liquidated and transferred out of both of your names and currently sits in both of your names, she will have to sign off on the fact that she agrees through the money being transferred out because of the consent order. So that is the only reason why she obviously has to be in the recommendation, and then that signing that one, if it was worded and structured that the investment is to be transferred over to you and then you have full say in how that money is then being transferred in through to send it directly with you. But because the consent order specifically shares says that the asset does not form palm of the matrimonial property pool available for division between the parties, that's why we have to do it this way.\n\nYou still have full control of the investment. It is just for her to agree because because it can't be split before, there's obviously a capital gains tax consequence to both of you as it will be liquidated that way. And because, obviously, that affects her as well, that's why she has to be involved. But once we set up the account so if she obviously agrees and signs the SOA, that's it. You have then full control of what you want, and we don't have to involve her at all.\n\nSo in terms of, like, the questions I asked you with age, estate planning, that is just for you. Because you can ultimately kind of decide the age of what you want, and you can change investments and do everything just you, like, just us. It doesn't have to go through her. It is just to get the money out and transferred over, if that makes sense. Yep.\n\nWith this exactly. That she agrees for the IDPS to be split and transferred over through investment bonds for, obviously, Abigail and William. This is the recommendation we have made in terms of how the money is invested and everything for that. And if she's happy, agrees, then we can move forward with the implementation just yeah. Does that make sense?\n\nLike yeah. Okay. Now with the capital gains tax, I'll probably start there first. I'm not sure if you did see the other email. So that is basically outlined in the appendix.\n\nNow because, obviously, the the funds are being, obviously, just for the purpose of your children, because of the capital gains tax event, it obviously they will be split equally between you and Hailey, and then you just pay your portion, and that's it. So I have included that in the appendix. And just for your reference, roughly how much it will be. So when you have a moment later in the appendix, it shows the current value of the IDPS, which is a 172,761. The net gain is 9,347.\n\nThat's a lot of numbers, so it's all in there for you to have a look at later. You only pay 50%. She pays 50%. So your portion is 4,673, but that is then taxed at your marginal tax rate, which including medical levy is 39. So the total net tax payable will be about 1,822, if that makes sense.\n\nYep. Perfect. So that has not come out of the money for the kids. That's just separately, and then you guys can pay that completely separately. Yep.\n\nBeautiful. Now with the recommendation, you will see that it has been prepared, obviously, for both of you. You will see my details listed as well as Hailey's advice's details from a compliance point on the cover page. Now just as per usual, we always have to follow that best interest duty, which is that we have to or I have to always act in your best interest at your at all times because you are my clients, and make sure that the advice puts you in a better position as a result of the advice. Otherwise, I can't actually make the recommendation.\n\nAnd, obviously, Hailey's advisers are bound by the same legalities, but just looking after her. So kind of completely separate. Yep. Now when it comes through, I haven't put this in the document because I didn't want it to be shared with Hailey, and it's just for you when it comes to your concerns with the child support payments. So I'll just kind of talk to you about it because I didn't put a wanted to put that in writing.\n\nSorry. I did obviously look into it, and and the good news is that this should actually turns out more favorable for you because the child support payment are only income tested. It's not asset tested. It's income tested. So with the IDPS structure that it currently works, obviously, it's held in your personal name and Hailey's personal name.\n\nAny dividends of income that you receive from the IDPS gets added to your taxable income, which then impacts how much child support payments you have to pay because it's part of your assessable income. Now with the investment bond, it will not impact anything. So because it is locked into an investment bond, and if you keep it for that ten year time frame and then sell it or transfer it to the kids, then it does not form part of your income. So it doesn't, after ten years, get added to your taxable income at all. Because it doesn't get added to your taxable income, it is not something that you will then pay child support on.\n\nSo if this grows a lot, which, obviously we we want, it doesn't matter. As long as you don't take it out before the ten year period, it doesn't get added to your taxable income. So if anything, it should put it in a better position for you from a child support payment because before, or the way things are currently structured, you get added dividends to your taxable income. The investment bond does not. Yep.\n\nSorry. I didn't put that in the document, obviously, because I just wanted to tell you that. No. That is all good. Now the recommendation is pretty straightforward.\n\nWe are only just completely separate, just talking about the investments for the kids. That is it. That is the only thing we're looking at. So what the actual recommendation is is outlined when you have a moment later. So, basically, it summarizes everything on page eight, and it's all in writing as well as the summarizes everything on page eight, and it's all in writing as well, and we're trying to mimic as close as possible to the consent order so that everything matches as well, which is great, which is that we have recommended that you sell your personal investments with hub twenty four, use the proceeds to then establish and invest in a investment bond with Generation Life.\n\nSo the product is Generation Life. Now there is a lot of different investment bonds available out there that we've looked at. Generation Life and Australian Unity are kind of, like, the biggest and most competitive ones. Generation Life are a little bit more tax effective. They have a lot more investment choices available and gives you more flexibility with the amount of contributions and stuff that you want to do or how you want to structure it, then Australian Unity.\n\nSo I have recommended Generation Life, that's the product, with the investment bond. Now what we have recommended is obviously selling the IDPS completely and transferring all the balance over through the investment bond. It's two separate bonds, one for each of your children split equally. So 5050% are distributed to them each. I've also put in the document that you will be solely independently managing each of the accounts then held in that trust for the child with the investment bond.\n\nSo that is in wording in this document as well to make it super clear. Now I have also included kind of two contribution options for you. The first one, which is is in the recommendation, is looking at that $20 per week per child into the investment bond. In the appendix, I have included the $10 for you so that you can see the difference and then kind of work out whatever you feel is going to be the best for you cash flow wise and stuff like that. Yep.\n\nPerfect. Now we've also put just a transfer date must be nominated for the funds to be transferred through the beneficial owners, which is each child. So when we set up the application, you have to let us know at what age you want it to go through the kids. We have recommended a minimum of ten years. It can be anywhere up until they turn 25.\n\nSo do you know at this point at what age you would like it to go? Would you want, like, 18, 20, 21, 25? Do you know? I would have to triple check because sometimes at application stage, which obviously wouldn't happen today, that will be when you both obviously sign the documents. We have the funds, and we will set up the application.\n\nSo it still gives you a little bit of time to think about. Sometimes when you set the kind of vesting date, it stays in place. I will triple check that for you, though, and I can put it in an email, And then you can even respond to that email when you've had a bit of a time to think about it on if you wanted to be 25. Because some people say, yeah. Cool.\n\n18. Happy with it. Others feels well or 18. Are they really going to be financially able to look after that amount of money, and maybe you want it a little bit a little bit later? So the choice is yours.\n\nWe do or I do recommend a minimum of ten years, though, to get kind of the tax advantage. So I will yes. Like exactly. You could do when, let's say, Abigail turns 20 and, when William turns 18, if that's what you wanted, because it's two separate ones. So you can choose or whether you wanted 18 for both of them, then, obviously, one's going to receive it before the other because there is that age difference.\n\nYou can you can decide. Yep. Yes. Yep. I will go and triple check that for you.\n\nI have a feeling you can't, but I will triple check for you and put that in the email. Yeah. Yes. Now the good thing with the investment bond as well is even though so they are obviously child investment bonds set up specifically for the kids, at the time of vesting so let's say whether that is 25 or 20 or 18, whatever you decide, they still have the option of continuing it as a kind of a adult investment bond or whether sell it completely. So it gives that kind of flexibility without setting the ten year time frame.\n\nSo even, let's say, when they turn 18, if they go, oh, this is a pretty good investment, and I've already met that ten year time frame. So anything continuing on, I can stay for another year, another six months. I don't have to pay any capital gains tax or reset the time frame. They can continue on the bond. It can convert to a adult investment bond for each of them if they choose to do that.\n\nSo they can then draw, like, draw an income stream from it or just sell everything and completely take it all the cash. It can then kind of be it gives us a lot of flexibility on depending on what's relevant at the time. So it is a really good way where if you do wanna be the bit of an income stream or whether it is private school or university fees or a car or a house deposit or whatever it might be, it gives the flexibility of choosing, which you don't have to choose now. It could just be if nothing if it's not sold down before vesting date, it automatically changes through a adult investment bond, but you can still cancel it whenever you want to after that. Does that make sense?\n\nYep. Okay. Perfect. Now when it comes to the actual growth so how the money is invested, when we spoke last, we kind of agree that that growth profile is suitable. You have kind of the time frame to take advantage of that growth portfolio.\n\nYou do have that more than six to seven years, which is usually what we are kind of looking at for that growth profile without going into, like, your high risk investments, because it is for your children. Yep. Perfect. Now with the actual investment bond with GenLife, I have done a comparison for you so you can actually see how it's putting it in a better position than the way things are currently set up. So not even factoring in that, obviously, we want to sell out from, obviously, a complexity point of view and have it directly to your kids, that this type of investment is actually growing the funds a lot quicker and better than the current setup as well.\n\nSo that is summarized on page fifteen and sixteen. It's two identical because it's $50.50 for both your kids, but it's just showing the situation of Abigail and then showing it for William. It is exactly the same, though. It is just showing that half the funds goes to Abigail and half to William. Now with the actual recommendation, you can see that the Generation Life investment bond is actually cheaper than the current IDPS structure with hub twenty four as well.\n\nSo it's saving in fees alone at about $1,017 per investment bond. So, obviously, times that by two to get the total fee, for each bond. So it's not only making it cheaper, obviously, provides that protection for your kids, but it is making it a lot cheaper as well, which is great. So, obviously, less fee coming out means more money for your kids at the end of the day. You you also when we are comparing a performance, so performance point of view, your current investment portfolio in Hub twenty four has performed at about 9.42%.\n\nThe recommended portfolio with Generation Life, and this is after tax rates as well. So after all tax, which is great, has performed at 11.07%. So, again, not only being cheaper, it has performed better than the construction in Hub 24. Yep. Mhmm.\n\nThat's good. Now I have projected forward ten years for you to kind show you that if you were to just leave it or, let's say, set up another investment with hub twenty four, for example, in both the kid's name versus the investment bond, over a ten year time frame, it is estimated to be a difference of about 87,000, which is pretty crazy. And and that is not only factoring in that when you if you were to keep it in the current structure or split it and say set up two separate ones for the kids, at the end of that ten year time frame or five years, whenever you were to sell it, you would have to pay capital gains tax on that balance. You did not have to do that with Generation Life as long as we keep it for the ten year time frame. So, obviously, a bigger growth difference, which is fantastic.\n\nNow the fee which is great. Now the fee structure for you is a little bit different, so I do wanna kind of outline that. It works out more favorable because it's investments for the kids. So with the current structure, so the current IDPS, we do charge a 1.1% ongoing management fee from the IDPS. With the investment bond, we will not charge an ongoing advice fee, which is great.\n\nSo, overall, it will save you about $981 based on the current balance for each investment bond because we will not charge an ongoing management fee for them. Now there is a upfront fee just to kind of get, obviously, all the administration and application and everything up and running. That is typically $7.50 for each investment that we set up. So each investment bond or each personal investment, it's a flat fee for $7.50. I have got approval to split that fee into two.\n\nSo both bonds together is $7.50, but it's only $3.75 from each bond. So making it a little bit cheaper for you. Does that make sense? Yep. Perfect.\n\nBut, obviously, the setup fee for each bond at $3.75 versus the ongoing management fee currently at $9.81, obviously, massive difference. So, again, it makes it more affordable because it's specifically investing for your children with this generation of life bonds. Any questions so far? No? Okay.\n\nPerfect. Now what the actual portfolio investment looks like is outlined on page 17 when you have a moment. So, again, we do want to keep things diversified for you, and we do want to align with the risk profile. We've also tried to select the most tax effective investment option. So with Generation Life, they have kind of three different categories on different investments to be tax effective.\n\nSo what I try to do is what can give you the highest returns, less fees, and the most tax effective option while still making sure that we align with that eighty twenty allocation to assets. So what that looks like from an investment point of view is investing 40% in through one investment that's called the generation life tax effective Australian share funds. So it's like a managed fund managed by generation life focusing on Australian investment, and it has been set up specifically to be as tax effective as possible. So that one has done really well. It's very diversified for you.\n\nWe then wanna make sure we do give you the global exposure. Obviously, you don't want everything in Australia. We wanna give you the global exposure. So to get you the international equity side of it, again, a managed fund, 40% is Hyperion Global Growth Companies. I'm not sure if you've heard of them.\n\nThey're they're quite big. No. No. They are massive. They've won heaps of awards.\n\nPerformance have been really good. Obviously, it is a managed fund, so they can see a bit of fluctuations in the short term. That is, like, the nature of it. But, obviously, we have the time frame behind us to to take advantage of those ups and downs in order to grow it as much as possible while still keeping things very diversified. Now we then don't want everything in your equity, so we wanna make sure we give you the defensive component for the kids at 20%, which is then invested 20% into Vanguard conservative portfolio.\n\nSo this is a portfolio run by Vanguard, which you may have heard of. They're quite big as well. Yeah. So they have obviously different portfolios, and this one is their kind of really conservative to give you the Australian fixed interest, international fixed interest to limit fluctuations because we don't want everything in equity. So it gives you kind of a good overall asset allocation where you do have about 40% in Australian investment, 40% across the globe, and then 20% spread across international interest, Australian fixed interest, and cash as well to give a good kind of balance in regards to the portfolio.\n\nNow the really good thing with the portfolio as well is how it actually impacts things from a tax point of view. So with the the tax, so, obviously, with the current in IDPS structure, obviously, anything that you earn, the dividends and stuff like that that you earn will be taxed at your marginal tax rate, which is obviously 39% for you. Within the investment bonds, because it's kind of like a a tax vehicle for investing as well, the maximum tax rate within any bond is 30%. But we obviously wanna minimize that as much as possible and do investments that is as tax effective as possible. So the portfolio that we are just kinda went through with you, so based on their projections, the effective tax rate quoted is likely to be more around 4.95% within the bond.\n\nSo, obviously, a massive difference. Yep. So that's really good. Now the one thing I do kind of want to mention, which I've touched on briefly with you before, is the the kind of a 125% rule of contribution. So that is something kind of the the downside, I guess, or to be mindful of, which is that 125%.\n\nNow the good thing is that the first twelve months, there's no rules. So you can do as much as much as you want without triggering anything. The only thing is if you decide to only do $10 over the whole course of the year, the following year, you can only do a 125% of what you've done this year. But it's at the end of the year. So you gives you time throughout the year.\n\nSo if, let's say, we do the regular savings, which is good because that means you obviously do dollar cost averaging into the bond. You take advantage of ups and downs in the market, which is great. If that structure doesn't work for you or something unexpected comes up and you need to stop it, we can do that. Just let us know, and we can we can put a pause on it. And then if something changes and at the end of the financial year, you you get a little bit more and you go, oh, okay.\n\nI wanna put a little bit more in because you weren't able to do it for a period, we can do that. So we can obviously work with you to give you the flexibility. Generation life is good as well. So if you do accidentally do go over the 125% rule, so if you don't tell us and you go, yeah. Cool.\n\nI'm just gonna check this in. I'm not sure. Generation Life will give us a little heads up to say, hey. This person has exceeded the rules. Do you want to proceed with that, or do we wanna refund the money back?\n\nSo they do give us that kind of heads up, which is great. But I would say, let me know if you wanna change things drastically so that I can check. If it is a situation where you come across an inheritance or win the lottery or whatever it is and you go, you know what? I wanna put more money for the kids, we could then typically, what happens so you might not want to reset the time frame. If it's within the first one or two years and you go, well, the expected age of when I wanna give it to the kids is 25, I have more than ten years until the kids turn 25, we could look at if the best is to just put it in, reset the time frame because it's still within the the age, or whether it is sometimes what we do for clients, if that happens, is just to set up a separate bond, which then means that, let's say, you have 20,000 or something you wanna set up separately, one bond will obviously mature before the other.\n\nSo you can start accessing that, and then the other one will be a little bit later. So we can obviously work with you what you want if that ever happens. Yep. Does that make sense? Yep.\n\nYeah. Great. Perfect. Now what we will do as well is that with the investment bond, how how it works is that anything as an initial deposit over 50,000 will trigger stamp duty. We don't want you to have pay the same duty.\n\nSo a way to work around it is that we can set up the investment bond with exactly 50,000. And then literally day one, because there's no restrictions on how much money you can put in the first twelve months, we can then deposit the rest of the money in straight away. And that means that Generation Life will pay the stamp duty, not you. Yep. Makes sense?\n\nYep. Great. Perfect. So I'll make sure as well, obviously, if both you and Hailey are happy with that, that that's exactly how we set up the implementation is we do not want you to have to pay the stamps duty. We want them to pay for it, but still having the money in there for you.\n\nSo it would just be like a a deposit the following day to get that money in without you having to pay for that stamp duty. Perfect. Now, basically, everything I've touched on, it is highlighted. So it is quite wordy in the the statement of advice, but it's also to allow you the opportunity to read over everything in your own time. You will have a kind of a section outlining why this is in the best interest duty for, obviously, both of you and based on the consent order, gives you the full flexibility.\n\nYou can change investments whenever you want to as well, which is great. So it gives you full management just you of the accounts, which is what we want. It kind of outlines all the advantages in regards to what I've just kind of discussed. So, obviously, from a tax point of view, from a security point of view for the kids, also benefit for you is that it obviously doesn't get added to the taxable income or any capital gains tax paid either by you or the kids when they take it after that ten year, which is great. Obviously, the disadvantage is that to get it really tax effective, you kind of have to leave it for the ten year time frame and being mindful of that 125% rule of contributions.\n\nI've mentioned there's a lot of different alternatives we consider. So just not doing an investment bond, doing other personal investment accounts, but in the kid's name, financial lien tax just wasn't as effective. Looked at different child savings accounts with bank accounts. Again, nowhere near as tax effective and security for your kids. Different investment bonds like Australian Unity, again, Generation Life was the most effective for for you.\n\nNow let me see here. And that is essentially everything. Sorry. I've touched on as well, obviously, the fee structure, that implementation fee, but discounted and split across the two bonds, and no ongoing advice fee, which is great. So overall makes it a lot cheaper.\n\nAnd that is essentially everything. Now in the how to implement our advice section, I have kind of outlined a couple of more steps just for you. So it says if you and Hailey are happy to go ahead with it, it will basically be to sign these documents to say that you are happy to go ahead with the implementation. Once we receive that back from both of you, we will then sell down the personal investment account with hub 24, withdraw all the funds to your bank account, and then from there, invested through the kids, $50.50 split for both your kids through Generation Life. At the time, for you to tell us about the transfer date, So, basically, what year you wanted to go for the kids, but I will investigate that.\n\nLike I said, I'll send you an email. And then also for you to consider the estate planning. So with the investment bond, it is good because you can put someone in place to take over the bonds if something were to happen to you. You can have it go to the estate if that's what you want, or you can nominate an account guardian, which can be different, to manage it for you. The rules will correct.\n\nSo if something were to happen to you so it gives also that kind of it gives you more separation. So often with, obviously, other investments, it will just go straight to your estate. Your estate will then be distributed per your wishes. And then if that obviously goes to your kids who are under underage, then it could go obviously to their guardian depending who that is. Obviously, I'm not a lawyer, so I can't give you any legal advice.\n\nBut the good thing with, perfect, but the good thing with the Generation Life Fund is you can nominate a sim similar to, like, how your superannuation. It can bypass kind of the estate planning, and you can put a straight nomination on the account of someone that you want to manage it for you until it gets transferred to your kids. So if something were to happen to you before the vesting date, you can then nominate someone who you want to manage it on your behalf. Whoever does manage it, though, still have the same restrictions in place. So, obviously, it has to be for the purpose of the child.\n\nThey can't just take the money out of the investment bonds and spend it on whatever they want. It has to be for the purpose of the child. Otherwise, the children could kind of sue them for it. So there's still obviously a lot of that protection in place, but, yeah, it is there for you to decide. So when we do the application as well, have a think about who you want to put down as an account guardian.\n\nYes. And then the last thing is obviously that contribution, like I said. So I have included monthly because that's how Generation Life sets it up, which is obviously then $80 per month. The appendix shows you the difference. So the appendix, actually, I have included through comparisons.\n\nSo one is just $40 per month so that you can see the difference, and one is no contributions at all. So, again, you can see that difference. Yep. Mhmm. It it's up to each client.\n\nIf it's something you want, then definitely. Some people just have it, like, an automatic debited from their account. That's how much they want. I just want it to go that way. Some people do chop and change throughout the year depending on their financial situation, and then we do add a reminder whenever they want.\n\nSo whether that is after six months, after three months, after nine, whatever it is, where we can go to you to be like, hey. This is what you've currently contributed. Do you wanna make any changes before the 100 and Do you wanna make any changes before the 125% rule? So it it's kind of up to you what will you prefer. If you want us to do a reminder, we can do that.\n\nIf you don't want it and you just wanna have it set and forget, we can do that as well. Yep. Do you have any questions for me at this point? Yep. Yes.\n\nYep. Correct. Yes. Sorry. If yes.\n\nSo so if you are happy, and that can be irrespective of you decide you deciding at age. So if you are happy to go ahead with it, you just sign the documents. And then as soon as both you and Hailey have signed it, I will let Hailey's adviser know that we've had the the conversation, and he's having that with her as well. Wait for that to come through. In the meantime, I will send you that email just to check if we can change the age at a later date if you want to.\n\nI will send that to you in an email regardless, and you can decide that after. It's just before we submit the application. We have to put it down. So it still gives you a bit of time to do that. Yeah.\n\nAnd the last thing I do wanna mention to you, Benjamin, though, is that on a personal note, I will actually be going on maternity leave next week. Okay. Thank you very much. So what will obviously happen is that I'm still got I'll still be here for this week, and I'll still be here for for next week. So, obviously, we can, you know, decide the the age if if you decide before that.\n\nBut if not, my colleague, Jenna, will take over for me while I am on maternity leave. So it will be off for about twelve months, and I'm doing a very extensive handover with her next week on everything, making sure that everything, you know, we discussed continues to stay in place, both for your personal situation and, obviously, the investment bond. She will be, of course, obviously, everything to do with the implementation of the IDPS. And, again, she has had nothing to do with Haley or any of her situation. Completely separate, and she will be just looking after you in my set while I'm away.\n\nYep. Thank you very much. So I will probably, about next week, send you a bit of an introduction email just so that you have her direct email and everything like that. You can always just call the office. And if you forget, if you ask for me, they will just transfer it through to her anyway.\n\nIf you email me directly, she would get all of my emails transferred to her anyway. But I'll send you that kind of introduction email just so that you have her name and email address if there's anything that you need in the meantime as well. No problem. Well, if I don't hear from you by next week, obviously, I wish you all the best with everything in the meantime, and then I can't wait to kind of reconnect when I'm back and see where everything's at. Yep.\n\nBeautiful. Well, thank you so much, Benjamin, and thank you so much for your time today. And, yeah, keep a lookout for that email from me. I will get that clarified with that age for you as well. No problem at all.\n\nTake care then. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Ben.","start":3.12,"end":4.16,"sentiment":"neutral","sentiment_score":0.32516422867774963},{"text":"This is Veronica from AQ Financial.","start":4.16,"end":6.02,"sentiment":"neutral","sentiment_score":0.27268032481273013},{"text":"How are you?","start":6.16,"end":6.98,"sentiment":"neutral","sentiment_score":0.21461106340090433},{"text":"Good.","start":9.04,"end":9.5199995,"sentiment":"positive","sentiment_score":0.5804135203361511},{"text":"Thanks.","start":9.5199995,"end":10.0199995,"sentiment":"positive","sentiment_score":0.6886636018753052}],"sentiment":"neutral","sentiment_score":0.3231774962374142,"num_words":14,"start":3.12,"end":10.0199995},{"sentences":[{"text":"I had you booked in to go over the statement of advice with your recommendation.","start":10.719999,"end":15.555,"sentiment":"positive","sentiment_score":0.4289129575093587},{"text":"Is now still a good time for you?","start":15.775,"end":17.475,"sentiment":"positive","sentiment_score":0.3549267649650574},{"text":"Yeah?","start":18.895,"end":19.395,"sentiment":"neutral","sentiment_score":0.15703995525836945},{"text":"Okay.","start":19.455,"end":19.955,"sentiment":"neutral","sentiment_score":0.21985112130641937},{"text":"Perfect.","start":20.095001,"end":20.595001,"sentiment":"positive","sentiment_score":0.3846881985664368}],"sentiment":"positive","sentiment_score":0.3859495291343102,"num_words":26,"start":10.719999,"end":20.595001},{"sentences":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":20.975,"end":28.619999,"sentiment":"neutral","sentiment_score":0.0653395810774688},{"text":"Perfect.","start":30.759998,"end":31.259998,"sentiment":"neutral","sentiment_score":0.2824006974697113},{"text":"And just to confirm I'm speaking with the right person for security purposes, could I please get you to confirm your full name, date of birth, and address, please?","start":31.4,"end":39.26,"sentiment":"neutral","sentiment_score":0.10716411085992024},{"text":"Yep.","start":44.375,"end":44.875,"sentiment":"neutral","sentiment_score":0.029247697442770004},{"text":"Beautiful.","start":46.375,"end":46.875,"sentiment":"positive","sentiment_score":0.4447196424007416}],"sentiment":"neutral","sentiment_score":0.09440942792618862,"num_words":61,"start":20.975,"end":46.875},{"sentences":[{"text":"And how's your morning or day been so far?","start":46.935,"end":49.755,"sentiment":"neutral","sentiment_score":0.21885876688692305},{"text":"Yeah.","start":52.455,"end":52.855,"sentiment":"neutral","sentiment_score":0.20413967967033383},{"text":"Good.","start":52.855,"end":53.355,"sentiment":"positive","sentiment_score":0.35005027055740356},{"text":"Good.","start":53.415,"end":53.735,"sentiment":"positive","sentiment_score":0.39925745129585266},{"text":"Good.","start":53.735,"end":54.215,"sentiment":"positive","sentiment_score":0.46703699231147766}],"sentiment":"neutral","sentiment_score":0.2607856381397981,"num_words":13,"start":46.935,"end":54.215},{"sentences":[{"text":"Which is nice.","start":54.215,"end":55.195,"sentiment":"positive","sentiment_score":0.5648037592569987},{"text":"Now, Ben, do you have access to your emails at the moment, or are you kind of on on the go?","start":57.04,"end":61.3,"sentiment":"neutral","sentiment_score":0.041300879702681585},{"text":"Okay.","start":65.92,"end":66.4,"sentiment":"neutral","sentiment_score":0.13791052997112274},{"text":"Yep.","start":66.4,"end":66.72,"sentiment":"neutral","sentiment_score":0.14966896176338196},{"text":"So if you are happy for me to do so, I will kind of go over the main points.","start":66.72,"end":71.125,"sentiment":"neutral","sentiment_score":0.28142176019518}],"sentiment":"neutral","sentiment_score":0.18214050415489408,"num_words":45,"start":54.215,"end":71.125},{"sentences":[{"text":"We've already touched on a lot of it, so it should be fairly straightforward, but I'll kind of just cover the recommendation and what it looks like.","start":71.125,"end":77.465,"sentiment":"neutral","sentiment_score":0.215760612377414},{"text":"And then when you have time, obviously, later, you can always just have a read through the document.","start":77.845,"end":84.265,"sentiment":"neutral","sentiment_score":0.08735715908308823},{"text":"And if you then have any questions, you can always give me a callback.","start":84.65,"end":87.69,"sentiment":"neutral","sentiment_score":0.09803765905754906},{"text":"Would that be okay?","start":87.69,"end":88.67,"sentiment":"neutral","sentiment_score":0.0650897016748786},{"text":"Yeah.","start":90.17,"end":90.49,"sentiment":"neutral","sentiment_score":0.12813757359981537}],"sentiment":"neutral","sentiment_score":0.14310920319985598,"num_words":64,"start":71.125,"end":90.49},{"sentences":[{"text":"Okay.","start":90.49,"end":90.89,"sentiment":"neutral","sentiment_score":0.19396308064460752},{"text":"Perfect.","start":90.89,"end":91.39,"sentiment":"neutral","sentiment_score":0.2616662383079529},{"text":"So if you did see, I sent you two emails.","start":91.77,"end":95.63,"sentiment":"neutral","sentiment_score":0.14133449792861938},{"text":"The reason being is that the o design, so, like, the electronic signature one, so similar to kind of, like, the under review setup where we ask you to sign the document, that is for both you and Hailey as, obviously, you both have to agree through the recommendation.","start":97.21,"end":113.845,"sentiment":"neutral","sentiment_score":0.051457980951788475},{"text":"So that is for both of you.","start":115.04,"end":117.200005,"sentiment":"neutral","sentiment_score":0.10736624577215739}],"sentiment":"neutral","sentiment_score":0.0756173394894337,"num_words":68,"start":90.49,"end":117.200005},{"sentences":[{"text":"Now Hailey's adviser will also do the same kind of recommendation as I'm going through with you today with her, and then there's both of your signatures on it to make sure, obviously, it's all clear, you're both happy, and we can move forward.","start":117.200005,"end":131.615,"sentiment":"positive","sentiment_score":0.43966256657784636},{"text":"In the separate email, the reason I didn't attach it is because you have individual appendices, and that is just some personal information in regards to you, which I'd obviously not to be shared, and also how the tax will be specifically tailored for you.","start":132.63501,"end":148.48999,"sentiment":"neutral","sentiment_score":-0.03140503689646721},{"text":"So that is the reason why it's kind of separate if that makes sense.","start":148.48999,"end":151.95,"sentiment":"neutral","sentiment_score":-0.03770154395273754},{"text":"Yep.","start":153.13,"end":153.53,"sentiment":"neutral","sentiment_score":0.2873934507369995},{"text":"Okay.","start":153.53,"end":153.84999,"sentiment":"positive","sentiment_score":0.5076764225959778}],"sentiment":"neutral","sentiment_score":0.1733254716864654,"num_words":105,"start":117.200005,"end":153.84999},{"sentences":[{"text":"Beautiful.","start":153.84999,"end":154.34999,"sentiment":"positive","sentiment_score":0.6973227858543396},{"text":"So with the actual recommendation, so when you do have it, click through the documents.","start":155.01501,"end":159.835,"sentiment":"neutral","sentiment_score":0.2799727658430735},{"text":"On the link, you will see that it has been prepared, and I've worked closely with Hailey's adviser, Tommy.","start":160.77501,"end":167.735,"sentiment":"neutral","sentiment_score":0.18414445691987089},{"text":"So I've kind of made, obviously, recommendation and stuff based on what we've discussed.","start":167.735,"end":171.96,"sentiment":"neutral","sentiment_score":0.26243689230510164},{"text":"He's obviously spoken to Hailey, and then together kind of done a recommendation that we believe are the best for both of you with the situation and everything outlined in the consent order for your kids at the end of the day.","start":172.02,"end":185.445,"sentiment":"positive","sentiment_score":0.3706968132229078}],"sentiment":"neutral","sentiment_score":0.3037257318968301,"num_words":91,"start":153.84999,"end":185.445},{"sentences":[{"text":"So yes.","start":186.625,"end":188.145,"sentiment":"neutral","sentiment_score":0.10564671084284782},{"text":"Any questions?","start":188.145,"end":188.965,"sentiment":"neutral","sentiment_score":0.062449727207422256},{"text":"Mhmm.","start":196.145,"end":196.56,"sentiment":"neutral","sentiment_score":-0.01973133161664009},{"text":"Yep.","start":197.12,"end":197.62,"sentiment":"neutral","sentiment_score":-0.01390906609594822},{"text":"Yes.","start":205.12,"end":205.62,"sentiment":"neutral","sentiment_score":-0.16036666929721832}],"sentiment":"neutral","sentiment_score":0.02031225844153336,"num_words":7,"start":186.625,"end":205.62},{"sentences":[{"text":"So with the consent order, it's not super clear.","start":205.76,"end":210.31999,"sentiment":"negative","sentiment_score":-0.33822256326675415},{"text":"So the way that the consent order reads is that, obviously, the investment is to remain in both of your names, be liquidated, and then transferred over to investments on behalf of, obviously, your children, and you will then manage everything for you.","start":210.31999,"end":226.78001,"sentiment":"neutral","sentiment_score":-0.10537458323808603},{"text":"Because it is being liquidated and transferred out of both of your names and currently sits in both of your names, she will have to sign off on the fact that she agrees through the money being transferred out because of the consent order.","start":227.0,"end":244.365,"sentiment":"neutral","sentiment_score":-0.032675439322536644},{"text":"So that is the only reason why she obviously has to be in the recommendation, and then that signing that one, if it was worded and structured that the investment is to be transferred over to you and then you have full say in how that money is then being transferred in through to send it directly with you.","start":244.425,"end":269.10498,"sentiment":"neutral","sentiment_score":0.11407748761318498},{"text":"But because the consent order specifically shares says that the asset does not form palm of the matrimonial property pool available for division between the parties, that's why we have to do it this way.","start":269.10498,"end":281.29,"sentiment":"neutral","sentiment_score":-0.05474275307995932}],"sentiment":"neutral","sentiment_score":-0.022096074039214535,"num_words":190,"start":205.76,"end":281.29},{"sentences":[{"text":"You still have full control of the investment.","start":281.29,"end":283.47,"sentiment":"neutral","sentiment_score":0.12753278063610196},{"text":"It is just for her to agree because because it can't be split before, there's obviously a capital gains tax consequence to both of you as it will be liquidated that way.","start":283.85,"end":296.945,"sentiment":"neutral","sentiment_score":0.024787656031548977},{"text":"And because, obviously, that affects her as well, that's why she has to be involved.","start":297.32498,"end":302.445,"sentiment":"neutral","sentiment_score":-0.03563905407985051},{"text":"But once we set up the account so if she obviously agrees and signs the SOA, that's it.","start":302.445,"end":308.46002,"sentiment":"neutral","sentiment_score":0.15734883894522986},{"text":"You have then full control of what you want, and we don't have to involve her at all.","start":308.46002,"end":313.68002,"sentiment":"neutral","sentiment_score":0.2756110587053829}],"sentiment":"neutral","sentiment_score":0.09969406136935884,"num_words":91,"start":281.29,"end":313.68002},{"sentences":[{"text":"So in terms of, like, the questions I asked you with age, estate planning, that is just for you.","start":313.82,"end":321.475,"sentiment":"neutral","sentiment_score":0.025604937617716036},{"text":"Because you can ultimately kind of decide the age of what you want, and you can change investments and do everything just you, like, just us.","start":321.475,"end":331.075,"sentiment":"neutral","sentiment_score":0.13586997928527686},{"text":"It doesn't have to go through her.","start":331.075,"end":332.595,"sentiment":"neutral","sentiment_score":0.11128832399845123},{"text":"It is just to get the money out and transferred over, if that makes sense.","start":332.595,"end":336.07,"sentiment":"neutral","sentiment_score":0.1554337481657664},{"text":"Yep.","start":337.33002,"end":337.83002,"sentiment":"neutral","sentiment_score":0.2074485868215561}],"sentiment":"neutral","sentiment_score":0.10789832872722079,"num_words":68,"start":313.82,"end":337.83002},{"sentences":[{"text":"With this exactly.","start":341.41,"end":342.79,"sentiment":"neutral","sentiment_score":0.2403277854124705},{"text":"That she agrees for the IDPS to be split and transferred over through investment bonds for, obviously, Abigail and William.","start":342.93,"end":351.175,"sentiment":"neutral","sentiment_score":0.16818503253161907},{"text":"This is the recommendation we have made in terms of how the money is invested and everything for that.","start":352.035,"end":356.755,"sentiment":"neutral","sentiment_score":0.12172731600309673},{"text":"And if she's happy, agrees, then we can move forward with the implementation just yeah.","start":356.755,"end":363.4,"sentiment":"positive","sentiment_score":0.37017217179139456},{"text":"Does that make sense?","start":363.4,"end":364.28,"sentiment":"neutral","sentiment_score":0.1730368174612522}],"sentiment":"neutral","sentiment_score":0.20724971897777963,"num_words":61,"start":341.41,"end":364.28},{"sentences":[{"text":"Like yeah.","start":364.28,"end":366.36,"sentiment":"neutral","sentiment_score":0.13780464231967926},{"text":"Okay.","start":366.36,"end":366.86,"sentiment":"neutral","sentiment_score":0.188001811504364},{"text":"Now with the capital gains tax, I'll probably start there first.","start":368.36,"end":372.44,"sentiment":"neutral","sentiment_score":0.03362166830761866},{"text":"I'm not sure if you did see the other email.","start":372.44,"end":375.74,"sentiment":"neutral","sentiment_score":-0.01701881131157279},{"text":"So that is basically outlined in the appendix.","start":376.555,"end":379.135,"sentiment":"neutral","sentiment_score":0.03007980331312865}],"sentiment":"neutral","sentiment_score":0.02824686752865091,"num_words":32,"start":364.28,"end":379.135},{"sentences":[{"text":"Now because, obviously, the the funds are being, obviously, just for the purpose of your children, because of the capital gains tax event, it obviously they will be split equally between you and Hailey, and then you just pay your portion, and that's it.","start":379.275,"end":397.66,"sentiment":"neutral","sentiment_score":0.048874226356433195},{"text":"So I have included that in the appendix.","start":397.66,"end":400.0,"sentiment":"neutral","sentiment_score":0.14122965838760138},{"text":"And just for your reference, roughly how much it will be.","start":400.69998,"end":406.125,"sentiment":"neutral","sentiment_score":0.10279213298450816},{"text":"So when you have a moment later in the appendix, it shows the current value of the IDPS, which is a 172,761.","start":407.005,"end":418.385,"sentiment":"neutral","sentiment_score":0.10405391183766452},{"text":"The net gain is 9,347.","start":419.91,"end":425.53,"sentiment":"neutral","sentiment_score":0.12528061419725417}],"sentiment":"neutral","sentiment_score":0.08140673134475947,"num_words":90,"start":379.275,"end":425.53},{"sentences":[{"text":"That's a lot of numbers, so it's all in there for you to have a look at later.","start":425.67,"end":429.45,"sentiment":"neutral","sentiment_score":0.14506848456545007},{"text":"You only pay 50%.","start":430.55002,"end":432.195,"sentiment":"neutral","sentiment_score":0.014632561709731817},{"text":"She pays 50%.","start":432.195,"end":433.095,"sentiment":"neutral","sentiment_score":0.03241391542057196},{"text":"So your portion is 4,673, but that is then taxed at your marginal tax rate, which including medical levy is 39.","start":433.715,"end":444.695,"sentiment":"neutral","sentiment_score":0.0456920349526973},{"text":"So the total net tax payable will be about 1,822, if that makes sense.","start":444.94,"end":452.16,"sentiment":"neutral","sentiment_score":0.06820572540163994}],"sentiment":"neutral","sentiment_score":0.07802362674847245,"num_words":60,"start":425.67,"end":452.16},{"sentences":[{"text":"Yep.","start":452.86,"end":453.26,"sentiment":"neutral","sentiment_score":0.21984264254570007},{"text":"Perfect.","start":453.26,"end":453.66,"sentiment":"positive","sentiment_score":0.5224332213401794},{"text":"So that has not come out of the money for the kids.","start":453.66,"end":456.32,"sentiment":"neutral","sentiment_score":0.13488288596272469},{"text":"That's just separately, and then you guys can pay that completely separately.","start":456.38,"end":460.72,"sentiment":"neutral","sentiment_score":0.057591319705049195},{"text":"Yep.","start":462.885,"end":463.36502,"sentiment":"neutral","sentiment_score":0.3024023771286011}],"sentiment":"neutral","sentiment_score":0.12423587811213953,"num_words":27,"start":452.86,"end":463.36502},{"sentences":[{"text":"Beautiful.","start":463.36502,"end":463.86502,"sentiment":"positive","sentiment_score":0.6262248158454895},{"text":"Now with the recommendation, you will see that it has been prepared, obviously, for both of you.","start":464.005,"end":471.92502,"sentiment":"neutral","sentiment_score":0.2667701384600471},{"text":"You will see my details listed as well as Hailey's advice's details from a compliance point on the cover page.","start":471.92502,"end":478.9,"sentiment":"neutral","sentiment_score":0.15926922485232353},{"text":"Now just as per usual, we always have to follow that best interest duty, which is that we have to or I have to always act in your best interest at your at all times because you are my clients, and make sure that the advice puts you in a better position as a result of the advice.","start":479.68,"end":498.315,"sentiment":"neutral","sentiment_score":0.08345613731392498},{"text":"Otherwise, I can't actually make the recommendation.","start":498.61502,"end":500.875,"sentiment":"neutral","sentiment_score":-0.27464666217565536}],"sentiment":"neutral","sentiment_score":0.10936534947272643,"num_words":103,"start":463.36502,"end":500.875},{"sentences":[{"text":"And, obviously, Hailey's advisers are bound by the same legalities, but just looking after her.","start":501.84,"end":506.8,"sentiment":"neutral","sentiment_score":-0.012458755262196064},{"text":"So kind of completely separate.","start":506.8,"end":508.41998,"sentiment":"neutral","sentiment_score":-0.0052165061235427855},{"text":"Yep.","start":508.8,"end":509.3,"sentiment":"neutral","sentiment_score":0.024257808923721313},{"text":"Now when it comes through, I haven't put this in the document because I didn't want it to be shared with Hailey, and it's just for you when it comes to your concerns with the child support payments.","start":511.19998,"end":523.66504,"sentiment":"neutral","sentiment_score":-0.04721222349172948},{"text":"So I'll just kind of talk to you about it because I didn't put a wanted to put that in writing.","start":524.365,"end":529.025,"sentiment":"neutral","sentiment_score":0.0004217340610921383}],"sentiment":"neutral","sentiment_score":-0.024673926600371487,"num_words":80,"start":501.84,"end":529.025},{"sentences":[{"text":"Sorry.","start":531.10004,"end":531.42,"sentiment":"neutral","sentiment_score":0.13898426294326782},{"text":"I did obviously look into it, and and the good news is that this should actually turns out more favorable for you because the child support payment are only income tested.","start":531.42,"end":542.86,"sentiment":"positive","sentiment_score":0.3643156846444453},{"text":"It's not asset tested.","start":542.86,"end":544.14,"sentiment":"neutral","sentiment_score":-0.037279816810041666},{"text":"It's income tested.","start":544.14,"end":545.36,"sentiment":"neutral","sentiment_score":0.017711643362417817},{"text":"So with the IDPS structure that it currently works, obviously, it's held in your personal name and Hailey's personal name.","start":546.005,"end":553.785,"sentiment":"neutral","sentiment_score":0.06744634825736284}],"sentiment":"neutral","sentiment_score":0.21501208669348162,"num_words":59,"start":531.10004,"end":553.785},{"sentences":[{"text":"Any dividends of income that you receive from the IDPS gets added to your taxable income, which then impacts how much child support payments you have to pay because it's part of your assessable income.","start":554.085,"end":566.65,"sentiment":"neutral","sentiment_score":0.050784062168427874},{"text":"Now with the investment bond, it will not impact anything.","start":567.83,"end":574.01,"sentiment":"neutral","sentiment_score":0.038258329033851624},{"text":"So because it is locked into an investment bond, and if you keep it for that ten year time frame and then sell it or transfer it to the kids, then it does not form part of your income.","start":574.365,"end":591.05,"sentiment":"neutral","sentiment_score":0.022876597081239406},{"text":"So it doesn't, after ten years, get added to your taxable income at all.","start":591.67,"end":596.08997,"sentiment":"neutral","sentiment_score":-0.0826280808874539},{"text":"Because it doesn't get added to your taxable income, it is not something that you will then pay child support on.","start":596.31,"end":602.08997,"sentiment":"neutral","sentiment_score":-0.06713900786070597}],"sentiment":"neutral","sentiment_score":0.0040798357554844445,"num_words":119,"start":554.085,"end":602.08997},{"sentences":[{"text":"So if this grows a lot, which, obviously we we want, it doesn't matter.","start":602.23,"end":607.165,"sentiment":"neutral","sentiment_score":0.1136713172974331},{"text":"As long as you don't take it out before the ten year period, it doesn't get added to your taxable income.","start":607.165,"end":612.625,"sentiment":"neutral","sentiment_score":0.06901679329928898},{"text":"So if anything, it should put it in a better position for you from a child support payment because before, or the way things are currently structured, you get added dividends to your taxable income.","start":612.685,"end":624.81,"sentiment":"neutral","sentiment_score":0.22620224037340708},{"text":"The investment bond does not.","start":625.19,"end":626.97003,"sentiment":"neutral","sentiment_score":-0.22775909304618835},{"text":"Yep.","start":628.71,"end":629.21,"sentiment":"neutral","sentiment_score":0.0032633449882268906}],"sentiment":"neutral","sentiment_score":0.1292407551878377,"num_words":76,"start":602.23,"end":629.21},{"sentences":[{"text":"Sorry.","start":630.23004,"end":630.55,"sentiment":"neutral","sentiment_score":-0.0359179750084877},{"text":"I didn't put that in the document, obviously, because I just wanted to tell you that.","start":630.55,"end":633.675,"sentiment":"neutral","sentiment_score":-0.08501820568926632},{"text":"No.","start":636.315,"end":636.635,"sentiment":"neutral","sentiment_score":0.09104973077774048},{"text":"That is all good.","start":636.635,"end":638.095,"sentiment":"positive","sentiment_score":0.4322133809328079},{"text":"Now the recommendation is pretty straightforward.","start":638.555,"end":641.375,"sentiment":"positive","sentiment_score":0.37821287910143536}],"sentiment":"neutral","sentiment_score":0.09617754511002984,"num_words":28,"start":630.23004,"end":641.375},{"sentences":[{"text":"We are only just completely separate, just talking about the investments for the kids.","start":642.635,"end":648.475,"sentiment":"neutral","sentiment_score":0.16611708168472564},{"text":"That is it.","start":648.475,"end":649.08997,"sentiment":"neutral","sentiment_score":0.12325029571851094},{"text":"That is the only thing we're looking at.","start":649.08997,"end":651.19,"sentiment":"neutral","sentiment_score":0.14940333366394043},{"text":"So what the actual recommendation is is outlined when you have a moment later.","start":652.37,"end":660.47,"sentiment":"neutral","sentiment_score":0.18898381452475274},{"text":"So, basically, it summarizes everything on page eight, and it's all in writing as well as the summarizes everything on page eight, and it's all in writing as well, and we're trying to mimic as close as possible to the consent order so that everything matches as well, which is great, which is that we have recommended that you sell your personal investments with hub twenty four, use the proceeds to then establish and invest in a investment bond with Generation Life.","start":660.52997,"end":686.3,"sentiment":"positive","sentiment_score":0.33775453978195424}],"sentiment":"neutral","sentiment_score":0.28291125921917354,"num_words":121,"start":642.635,"end":686.3},{"sentences":[{"text":"So the product is Generation Life.","start":686.3,"end":689.715,"sentiment":"neutral","sentiment_score":0.20478628824154535},{"text":"Now there is a lot of different investment bonds available out there that we've looked at.","start":690.35504,"end":695.895,"sentiment":"neutral","sentiment_score":0.21582012390717864},{"text":"Generation Life and Australian Unity are kind of, like, the biggest and most competitive ones.","start":696.435,"end":702.05505,"sentiment":"positive","sentiment_score":0.34757392207781473},{"text":"Generation Life are a little bit more tax effective.","start":702.83,"end":705.87,"sentiment":"positive","sentiment_score":0.35210098491774666},{"text":"They have a lot more investment choices available and gives you more flexibility with the amount of contributions and stuff that you want to do or how you want to structure it, then Australian Unity.","start":705.87,"end":718.84503,"sentiment":"neutral","sentiment_score":0.29353757202625275}],"sentiment":"neutral","sentiment_score":0.28812558553469036,"num_words":81,"start":686.3,"end":718.84503},{"sentences":[{"text":"So I have recommended Generation Life, that's the product, with the investment bond.","start":719.225,"end":724.605,"sentiment":"neutral","sentiment_score":0.28172582617172826},{"text":"Now what we have recommended is obviously selling the IDPS completely and transferring all the balance over through the investment bond.","start":726.105,"end":734.29,"sentiment":"neutral","sentiment_score":0.23994176302637374},{"text":"It's two separate bonds, one for each of your children split equally.","start":734.67,"end":739.39,"sentiment":"neutral","sentiment_score":0.21016567821304002},{"text":"So 5050% are distributed to them each.","start":739.39,"end":743.655,"sentiment":"neutral","sentiment_score":0.24382562935352325},{"text":"I've also put in the document that you will be solely independently managing each of the accounts then held in that trust for the child with the investment bond.","start":744.695,"end":754.775,"sentiment":"neutral","sentiment_score":0.2046579975506355}],"sentiment":"neutral","sentiment_score":0.23006173459494986,"num_words":82,"start":719.225,"end":754.775},{"sentences":[{"text":"So that is in wording in this document as well to make it super clear.","start":754.775,"end":760.13,"sentiment":"neutral","sentiment_score":0.19648254811763763},{"text":"Now I have also included kind of two contribution options for you.","start":760.47,"end":766.21,"sentiment":"neutral","sentiment_score":0.2705369641383489},{"text":"The first one, which is is in the recommendation, is looking at that $20 per week per child into the investment bond.","start":766.59,"end":776.655,"sentiment":"neutral","sentiment_score":0.14383701218122785},{"text":"In the appendix, I have included the $10 for you so that you can see the difference and then kind of work out whatever you feel is going to be the best for you cash flow wise and stuff like that.","start":776.875,"end":789.25,"sentiment":"neutral","sentiment_score":0.23064646815381398},{"text":"Yep.","start":790.75,"end":791.23004,"sentiment":"positive","sentiment_score":0.4084396362304687}],"sentiment":"neutral","sentiment_score":0.21124220758185283,"num_words":91,"start":754.775,"end":791.23004},{"sentences":[{"text":"Perfect.","start":791.23004,"end":791.73004,"sentiment":"positive","sentiment_score":0.7794994711875916},{"text":"Now we've also put just a transfer date must be nominated for the funds to be transferred through the beneficial owners, which is each child.","start":792.19,"end":801.41003,"sentiment":"neutral","sentiment_score":0.29429969608783724},{"text":"So when we set up the application, you have to let us know at what age you want it to go through the kids.","start":801.84503,"end":810.185,"sentiment":"neutral","sentiment_score":0.09785437149306138},{"text":"We have recommended a minimum of ten years.","start":810.80505,"end":813.625,"sentiment":"neutral","sentiment_score":0.04369510570541024},{"text":"It can be anywhere up until they turn 25.","start":813.92505,"end":817.5,"sentiment":"neutral","sentiment_score":0.05506371292803022}],"sentiment":"neutral","sentiment_score":0.16911389628675447,"num_words":67,"start":791.23004,"end":817.5},{"sentences":[{"text":"So do you know at this point at what age you would like it to go?","start":818.3,"end":823.26,"sentiment":"neutral","sentiment_score":0.027103725587949157},{"text":"Would you want, like, 18, 20, 21, 25?","start":823.26,"end":826.64,"sentiment":"neutral","sentiment_score":0.0172935122391209},{"text":"Do you know?","start":827.26,"end":828.16,"sentiment":"neutral","sentiment_score":0.01747070625424385},{"text":"I would have to triple check because sometimes at application stage, which obviously wouldn't happen today, that will be when you both obviously sign the documents.","start":835.67505,"end":846.36005,"sentiment":"neutral","sentiment_score":-0.04365560204650347},{"text":"We have the funds, and we will set up the application.","start":846.74005,"end":849.06,"sentiment":"neutral","sentiment_score":0.1342134956609119}],"sentiment":"neutral","sentiment_score":0.015089416017872281,"num_words":64,"start":818.3,"end":849.06},{"sentences":[{"text":"So it still gives you a little bit of time to think about.","start":849.06,"end":851.48004,"sentiment":"neutral","sentiment_score":0.09678209544374393},{"text":"Sometimes when you set the kind of vesting date, it stays in place.","start":852.02,"end":855.64,"sentiment":"neutral","sentiment_score":0.046006994895063914},{"text":"I will triple check that for you, though, and I can put it in an email, And then you can even respond to that email when you've had a bit of a time to think about it on if you wanted to be 25.","start":855.94,"end":867.82495,"sentiment":"neutral","sentiment_score":0.13994735564020547},{"text":"Because some people say, yeah.","start":867.96497,"end":869.32495,"sentiment":"neutral","sentiment_score":0.13902949094772338},{"text":"Cool.","start":869.32495,"end":869.64496,"sentiment":"neutral","sentiment_score":0.2819545865058899}],"sentiment":"neutral","sentiment_score":0.11830320873444802,"num_words":76,"start":849.06,"end":869.64496},{"sentences":[{"text":"18.","start":869.64496,"end":870.045,"sentiment":"neutral","sentiment_score":0.29918187856674194},{"text":"Happy with it.","start":870.045,"end":870.845,"sentiment":"positive","sentiment_score":0.408591628074646},{"text":"Others feels well or 18.","start":870.845,"end":872.43,"sentiment":"neutral","sentiment_score":0.129932302236557},{"text":"Are they really going to be financially able to look after that amount of money, and maybe you want it a little bit a little bit later?","start":872.43,"end":883.65,"sentiment":"neutral","sentiment_score":0.146939468604547},{"text":"So the choice is yours.","start":884.35,"end":885.785,"sentiment":"neutral","sentiment_score":0.1295115128159523}],"sentiment":"neutral","sentiment_score":0.1655985729359999,"num_words":41,"start":869.64496,"end":885.785},{"sentences":[{"text":"We do or I do recommend a minimum of ten years, though, to get kind of the tax advantage.","start":885.845,"end":890.585,"sentiment":"neutral","sentiment_score":0.10956360144834769},{"text":"So I will yes.","start":892.885,"end":897.93,"sentiment":"neutral","sentiment_score":0.07063150964677334},{"text":"Like exactly.","start":898.73,"end":901.63,"sentiment":"neutral","sentiment_score":0.029628897085785866},{"text":"You could do when, let's say, Abigail turns 20 and, when William turns 18, if that's what you wanted, because it's two separate ones.","start":902.01,"end":914.41504,"sentiment":"neutral","sentiment_score":0.05965135168905059},{"text":"So you can choose or whether you wanted 18 for both of them, then, obviously, one's going to receive it before the other because there is that age difference.","start":914.41504,"end":923.23505,"sentiment":"neutral","sentiment_score":0.09109337884804299}],"sentiment":"neutral","sentiment_score":0.08329272676163758,"num_words":78,"start":885.845,"end":923.23505},{"sentences":[{"text":"You can you can decide.","start":923.935,"end":925.315,"sentiment":"neutral","sentiment_score":0.1575690910220146},{"text":"Yep.","start":926.97504,"end":927.47504,"sentiment":"neutral","sentiment_score":0.16098134219646454},{"text":"Yes.","start":928.815,"end":929.25,"sentiment":"neutral","sentiment_score":0.277386337518692},{"text":"Yep.","start":931.41,"end":931.89,"sentiment":"neutral","sentiment_score":0.3313252031803131},{"text":"I will go and triple check that for you.","start":931.89,"end":933.97,"sentiment":"neutral","sentiment_score":0.2552117854356766}],"sentiment":"neutral","sentiment_score":0.2267320239368607,"num_words":17,"start":923.935,"end":933.97},{"sentences":[{"text":"I have a feeling you can't, but I will triple check for you and put that in the email.","start":933.97,"end":941.27,"sentiment":"neutral","sentiment_score":0.020856476731990512},{"text":"Yeah.","start":943.65,"end":943.935,"sentiment":"neutral","sentiment_score":0.08829540014266968},{"text":"Yes.","start":945.055,"end":945.555,"sentiment":"positive","sentiment_score":0.5147290825843811},{"text":"Now the good thing with the investment bond as well is even though so they are obviously child investment bonds set up specifically for the kids, at the time of vesting so let's say whether that is 25 or 20 or 18, whatever you decide, they still have the option of continuing it as a kind of a adult investment bond or whether sell it completely.","start":945.935,"end":974.2,"sentiment":"positive","sentiment_score":0.39648401353395346},{"text":"So it gives that kind of flexibility without setting the ten year time frame.","start":974.955,"end":979.515,"sentiment":"positive","sentiment_score":0.40187396109104156}],"sentiment":"neutral","sentiment_score":0.324687899892578,"num_words":101,"start":933.97,"end":979.515},{"sentences":[{"text":"So even, let's say, when they turn 18, if they go, oh, this is a pretty good investment, and I've already met that ten year time frame.","start":979.515,"end":987.53503,"sentiment":"positive","sentiment_score":0.49491603341367507},{"text":"So anything continuing on, I can stay for another year, another six months.","start":987.71,"end":991.73,"sentiment":"positive","sentiment_score":0.4044195367739751},{"text":"I don't have to pay any capital gains tax or reset the time frame.","start":991.79,"end":995.09,"sentiment":"neutral","sentiment_score":0.1627654076686927},{"text":"They can continue on the bond.","start":995.15,"end":997.07,"sentiment":"neutral","sentiment_score":0.27058351784944534},{"text":"It can convert to a adult investment bond for each of them if they choose to do that.","start":997.07,"end":1003.90497,"sentiment":"neutral","sentiment_score":0.24631047497193018}],"sentiment":"positive","sentiment_score":0.34558964415620536,"num_words":78,"start":979.515,"end":1003.90497},{"sentences":[{"text":"So they can then draw, like, draw an income stream from it or just sell everything and completely take it all the cash.","start":1004.365,"end":1011.185,"sentiment":"positive","sentiment_score":0.3541054822828459},{"text":"It can then kind of be it gives us a lot of flexibility on depending on what's relevant at the time.","start":1011.40497,"end":1018.62,"sentiment":"positive","sentiment_score":0.4152494698008966},{"text":"So it is a really good way where if you do wanna be the bit of an income stream or whether it is private school or university fees or a car or a house deposit or whatever it might be, it gives the flexibility of choosing, which you don't have to choose now.","start":1018.83997,"end":1034.355,"sentiment":"positive","sentiment_score":0.6092857352967532},{"text":"It could just be if nothing if it's not sold down before vesting date, it automatically changes through a adult investment bond, but you can still cancel it whenever you want to after that.","start":1034.355,"end":1047.5299,"sentiment":"neutral","sentiment_score":0.18404131864800172},{"text":"Does that make sense?","start":1048.1499,"end":1049.2899,"sentiment":"neutral","sentiment_score":0.1304705273360014}],"sentiment":"positive","sentiment_score":0.4143414509068761,"num_words":135,"start":1004.365,"end":1049.2899},{"sentences":[{"text":"Yep.","start":1050.87,"end":1051.2699,"sentiment":"neutral","sentiment_score":0.1650855541229248},{"text":"Okay.","start":1051.2699,"end":1051.59,"sentiment":"neutral","sentiment_score":0.29017847776412964},{"text":"Perfect.","start":1051.59,"end":1052.09,"sentiment":"positive","sentiment_score":0.513674795627594},{"text":"Now when it comes to the actual growth so how the money is invested, when we spoke last, we kind of agree that that growth profile is suitable.","start":1052.47,"end":1061.165,"sentiment":"neutral","sentiment_score":0.29255151908312527},{"text":"You have kind of the time frame to take advantage of that growth portfolio.","start":1061.625,"end":1066.6849,"sentiment":"positive","sentiment_score":0.3800391597407205}],"sentiment":"neutral","sentiment_score":0.3217984355158276,"num_words":45,"start":1050.87,"end":1066.6849},{"sentences":[{"text":"You do have that more than six to seven years, which is usually what we are kind of looking at for that growth profile without going into, like, your high risk investments, because it is for your children.","start":1067.145,"end":1078.3,"sentiment":"neutral","sentiment_score":0.2958129160106182},{"text":"Yep.","start":1080.2001,"end":1080.6001,"sentiment":"neutral","sentiment_score":0.24251334369182587},{"text":"Perfect.","start":1080.6001,"end":1081.1001,"sentiment":"positive","sentiment_score":0.5088983774185181},{"text":"Now with the actual investment bond with GenLife, I have done a comparison for you so you can actually see how it's putting it in a better position than the way things are currently set up.","start":1081.64,"end":1095.5449,"sentiment":"positive","sentiment_score":0.41089123156335616},{"text":"So not even factoring in that, obviously, we want to sell out from, obviously, a complexity point of view and have it directly to your kids, that this type of investment is actually growing the funds a lot quicker and better than the current setup as well.","start":1095.73,"end":1112.185,"sentiment":"positive","sentiment_score":0.49621195108332533}],"sentiment":"positive","sentiment_score":0.40736868753423533,"num_words":123,"start":1067.145,"end":1112.185},{"sentences":[{"text":"So that is summarized on page fifteen and sixteen.","start":1112.5651,"end":1118.3451,"sentiment":"neutral","sentiment_score":0.16412177268001768},{"text":"It's two identical because it's $50.50 for both your kids, but it's just showing the situation of Abigail and then showing it for William.","start":1118.885,"end":1127.42,"sentiment":"neutral","sentiment_score":0.20215074686954418},{"text":"It is exactly the same, though.","start":1127.4801,"end":1129.0,"sentiment":"neutral","sentiment_score":0.2039949024717013},{"text":"It is just showing that half the funds goes to Abigail and half to William.","start":1129.0,"end":1133.1001,"sentiment":"neutral","sentiment_score":0.20367268721262613},{"text":"Now with the actual recommendation, you can see that the Generation Life investment bond is actually cheaper than the current IDPS structure with hub twenty four as well.","start":1134.68,"end":1148.705,"sentiment":"positive","sentiment_score":0.44551275776965277}],"sentiment":"neutral","sentiment_score":0.2814894002385256,"num_words":82,"start":1112.5651,"end":1148.705},{"sentences":[{"text":"So it's saving in fees alone at about $1,017 per investment bond.","start":1149.1649,"end":1157.02,"sentiment":"positive","sentiment_score":0.4321553707122803},{"text":"So, obviously, times that by two to get the total fee, for each bond.","start":1157.08,"end":1161.96,"sentiment":"neutral","sentiment_score":0.250706102166857},{"text":"So it's not only making it cheaper, obviously, provides that protection for your kids, but it is making it a lot cheaper as well, which is great.","start":1161.96,"end":1172.025,"sentiment":"positive","sentiment_score":0.7136364866186071},{"text":"So, obviously, less fee coming out means more money for your kids at the end of the day.","start":1172.025,"end":1176.8451,"sentiment":"positive","sentiment_score":0.6413606802622477},{"text":"You you also when we are comparing a performance, so performance point of view, your current investment portfolio in Hub twenty four has performed at about 9.42%.","start":1179.3201,"end":1194.035,"sentiment":"neutral","sentiment_score":0.26203244096703}],"sentiment":"positive","sentiment_score":0.4753398282491431,"num_words":98,"start":1149.1649,"end":1194.035},{"sentences":[{"text":"The recommended portfolio with Generation Life, and this is after tax rates as well.","start":1194.035,"end":1201.475,"sentiment":"neutral","sentiment_score":0.2049011162349156},{"text":"So after all tax, which is great, has performed at 11.07%.","start":1201.475,"end":1207.7001,"sentiment":"positive","sentiment_score":0.37744518572633917},{"text":"So, again, not only being cheaper, it has performed better than the construction in Hub 24.","start":1207.7001,"end":1214.4401,"sentiment":"neutral","sentiment_score":0.32139002811163664},{"text":"Yep.","start":1216.42,"end":1216.92,"sentiment":"neutral","sentiment_score":0.15810714662075043},{"text":"Mhmm.","start":1217.22,"end":1217.54,"sentiment":"neutral","sentiment_score":0.18678387999534607}],"sentiment":"neutral","sentiment_score":0.29087544527164727,"num_words":43,"start":1194.035,"end":1217.54},{"sentences":[{"text":"That's good.","start":1217.54,"end":1218.02,"sentiment":"positive","sentiment_score":0.5289052724838257},{"text":"Now I have projected forward ten years for you to kind show you that if you were to just leave it or, let's say, set up another investment with hub twenty four, for example, in both the kid's name versus the investment bond, over a ten year time frame, it is estimated to be a difference of about 87,000, which is pretty crazy.","start":1218.02,"end":1239.29,"sentiment":"neutral","sentiment_score":0.030188465697897807},{"text":"And and that is not only factoring in that when you if you were to keep it in the current structure or split it and say set up two separate ones for the kids, at the end of that ten year time frame or five years, whenever you were to sell it, you would have to pay capital gains tax on that balance.","start":1240.55,"end":1257.5149,"sentiment":"neutral","sentiment_score":-0.016857327124665655},{"text":"You did not have to do that with Generation Life as long as we keep it for the ten year time frame.","start":1257.815,"end":1263.92,"sentiment":"neutral","sentiment_score":-0.008521421473811974},{"text":"So, obviously, a bigger growth difference, which is fantastic.","start":1263.92,"end":1266.9,"sentiment":"positive","sentiment_score":0.34913601146803963}],"sentiment":"neutral","sentiment_score":0.030518396892262704,"num_words":159,"start":1217.54,"end":1266.9},{"sentences":[{"text":"Now the fee which is great.","start":1268.56,"end":1271.2001,"sentiment":"positive","sentiment_score":0.3756938874721527},{"text":"Now the fee structure for you is a little bit different, so I do wanna kind of outline that.","start":1271.2001,"end":1275.2001,"sentiment":"neutral","sentiment_score":0.1668410922743772},{"text":"It works out more favorable because it's investments for the kids.","start":1275.2001,"end":1278.895,"sentiment":"positive","sentiment_score":0.37055336887186224},{"text":"So with the current structure, so the current IDPS, we do charge a 1.1% ongoing management fee from the IDPS.","start":1279.355,"end":1291.215,"sentiment":"neutral","sentiment_score":0.14867381006479263},{"text":"With the investment bond, we will not charge an ongoing advice fee, which is great.","start":1292.35,"end":1298.37,"sentiment":"neutral","sentiment_score":0.2712855041027069}],"sentiment":"neutral","sentiment_score":0.23299985772497217,"num_words":71,"start":1268.56,"end":1298.37},{"sentences":[{"text":"So, overall, it will save you about $981 based on the current balance for each investment bond because we will not charge an ongoing management fee for them.","start":1298.9099,"end":1310.4851,"sentiment":"neutral","sentiment_score":0.2754006614642484},{"text":"Now there is a upfront fee just to kind of get, obviously, all the administration and application and everything up and running.","start":1310.9451,"end":1319.285,"sentiment":"neutral","sentiment_score":0.15164147249676965},{"text":"That is typically $7.50 for each investment that we set up.","start":1320.305,"end":1325.36,"sentiment":"neutral","sentiment_score":0.12418673187494278},{"text":"So each investment bond or each personal investment, it's a flat fee for $7.50.","start":1325.36,"end":1330.8201,"sentiment":"neutral","sentiment_score":0.10732082011444229},{"text":"I have got approval to split that fee into two.","start":1331.4401,"end":1335.765,"sentiment":"neutral","sentiment_score":0.1273915596306324}],"sentiment":"neutral","sentiment_score":0.17870343581718556,"num_words":85,"start":1298.9099,"end":1335.765},{"sentences":[{"text":"So both bonds together is $7.50, but it's only $3.75 from each bond.","start":1336.5651,"end":1343.225,"sentiment":"neutral","sentiment_score":0.1414154120362722},{"text":"So making it a little bit cheaper for you.","start":1343.525,"end":1345.605,"sentiment":"neutral","sentiment_score":0.31671873728434247},{"text":"Does that make sense?","start":1345.605,"end":1346.665,"sentiment":"neutral","sentiment_score":0.17448238655924797},{"text":"Yep.","start":1347.925,"end":1348.425,"sentiment":"neutral","sentiment_score":0.2876206934452057},{"text":"Perfect.","start":1348.485,"end":1348.985,"sentiment":"positive","sentiment_score":0.4920181632041931}],"sentiment":"neutral","sentiment_score":0.22022990696132183,"num_words":28,"start":1336.5651,"end":1348.985},{"sentences":[{"text":"But, obviously, the setup fee for each bond at $3.75 versus the ongoing management fee currently at $9.81, obviously, massive difference.","start":1349.22,"end":1358.6799,"sentiment":"neutral","sentiment_score":0.19106639247565044},{"text":"So, again, it makes it more affordable because it's specifically investing for your children with this generation of life bonds.","start":1358.82,"end":1367.045,"sentiment":"positive","sentiment_score":0.3745803438127041},{"text":"Any questions so far?","start":1367.665,"end":1369.205,"sentiment":"neutral","sentiment_score":0.033206688705831766},{"text":"No?","start":1371.265,"end":1371.585,"sentiment":"neutral","sentiment_score":-0.05527875572443008},{"text":"Okay.","start":1371.585,"end":1372.085,"sentiment":"neutral","sentiment_score":0.06355664134025574}],"sentiment":"neutral","sentiment_score":0.24776820763152965,"num_words":47,"start":1349.22,"end":1372.085},{"sentences":[{"text":"Perfect.","start":1372.225,"end":1372.725,"sentiment":"neutral","sentiment_score":0.2838903069496155},{"text":"Now what the actual portfolio investment looks like is outlined on page 17 when you have a moment.","start":1372.785,"end":1380.84,"sentiment":"neutral","sentiment_score":0.134562192691697},{"text":"So, again, we do want to keep things diversified for you, and we do want to align with the risk profile.","start":1381.38,"end":1388.9199,"sentiment":"neutral","sentiment_score":0.25906210782982053},{"text":"We've also tried to select the most tax effective investment option.","start":1389.885,"end":1395.005,"sentiment":"neutral","sentiment_score":0.25080460513179953},{"text":"So with Generation Life, they have kind of three different categories on different investments to be tax effective.","start":1395.005,"end":1401.6901,"sentiment":"neutral","sentiment_score":0.18645661655399534}],"sentiment":"neutral","sentiment_score":0.20668672165576962,"num_words":69,"start":1372.225,"end":1401.6901},{"sentences":[{"text":"So what I try to do is what can give you the highest returns, less fees, and the most tax effective option while still making sure that we align with that eighty twenty allocation to assets.","start":1401.99,"end":1416.0901,"sentiment":"positive","sentiment_score":0.3641950479812092},{"text":"So what that looks like from an investment point of view is investing 40% in through one investment that's called the generation life tax effective Australian share funds.","start":1416.765,"end":1432.03,"sentiment":"neutral","sentiment_score":0.25872657554490225},{"text":"So it's like a managed fund managed by generation life focusing on Australian investment, and it has been set up specifically to be as tax effective as possible.","start":1432.03,"end":1443.33,"sentiment":"positive","sentiment_score":0.3527389977659498},{"text":"So that one has done really well.","start":1443.71,"end":1445.49,"sentiment":"positive","sentiment_score":0.6287514056478228},{"text":"It's very diversified for you.","start":1445.63,"end":1447.745,"sentiment":"positive","sentiment_score":0.5050957441329956}],"sentiment":"positive","sentiment_score":0.35729611865603006,"num_words":104,"start":1401.99,"end":1447.745},{"sentences":[{"text":"We then wanna make sure we do give you the global exposure.","start":1447.745,"end":1451.745,"sentiment":"neutral","sentiment_score":0.14769772564371428},{"text":"Obviously, you don't want everything in Australia.","start":1451.745,"end":1453.7649,"sentiment":"neutral","sentiment_score":-0.004457605736596244},{"text":"We wanna give you the global exposure.","start":1453.825,"end":1456.005,"sentiment":"neutral","sentiment_score":0.12690065175827062},{"text":"So to get you the international equity side of it, again, a managed fund, 40% is Hyperion Global Growth Companies.","start":1456.705,"end":1465.46,"sentiment":"neutral","sentiment_score":0.04380178973078728},{"text":"I'm not sure if you've heard of them.","start":1466.4,"end":1467.92,"sentiment":"neutral","sentiment_score":-0.01966802275273949}],"sentiment":"neutral","sentiment_score":0.062003067453150394,"num_words":54,"start":1447.745,"end":1467.92},{"sentences":[{"text":"They're they're quite big.","start":1467.92,"end":1469.14,"sentiment":"neutral","sentiment_score":0.03531408729031682},{"text":"No.","start":1472.08,"end":1472.5599,"sentiment":"neutral","sentiment_score":-0.06207193434238434},{"text":"No.","start":1472.5599,"end":1473.0599,"sentiment":"neutral","sentiment_score":-0.004655607044696808},{"text":"They are massive.","start":1473.92,"end":1475.12,"sentiment":"positive","sentiment_score":0.36165396869182587},{"text":"They've won heaps of awards.","start":1475.12,"end":1476.58,"sentiment":"positive","sentiment_score":0.5533721327781678}],"sentiment":"neutral","sentiment_score":0.2804536698386073,"num_words":14,"start":1467.92,"end":1476.58},{"sentences":[{"text":"Performance have been really good.","start":1477.0549,"end":1478.335,"sentiment":"positive","sentiment_score":0.6840612411499023},{"text":"Obviously, it is a managed fund, so they can see a bit of fluctuations in the short term.","start":1478.335,"end":1482.895,"sentiment":"neutral","sentiment_score":0.15700861397716734},{"text":"That is, like, the nature of it.","start":1482.895,"end":1484.995,"sentiment":"neutral","sentiment_score":0.11870765047413963},{"text":"But, obviously, we have the time frame behind us to to take advantage of those ups and downs in order to grow it as much as possible while still keeping things very diversified.","start":1485.0549,"end":1495.16,"sentiment":"neutral","sentiment_score":0.29492066529664124},{"text":"Now we then don't want everything in your equity, so we wanna make sure we give you the defensive component for the kids at 20%, which is then invested 20% into Vanguard conservative portfolio.","start":1496.74,"end":1512.775,"sentiment":"neutral","sentiment_score":0.14140787085189538}],"sentiment":"neutral","sentiment_score":0.22286251932382584,"num_words":97,"start":1477.0549,"end":1512.775},{"sentences":[{"text":"So this is a portfolio run by Vanguard, which you may have heard of.","start":1513.315,"end":1517.635,"sentiment":"neutral","sentiment_score":0.14600041242582457},{"text":"They're quite big as well.","start":1517.635,"end":1519.015,"sentiment":"neutral","sentiment_score":0.2758368194103241},{"text":"Yeah.","start":1522.11,"end":1522.51,"sentiment":"neutral","sentiment_score":0.04348199814558029},{"text":"So they have obviously different portfolios, and this one is their kind of really conservative to give you the Australian fixed interest, international fixed interest to limit fluctuations because we don't want everything in equity.","start":1522.51,"end":1535.81,"sentiment":"neutral","sentiment_score":0.09046060645154544},{"text":"So it gives you kind of a good overall asset allocation where you do have about 40% in Australian investment, 40% across the globe, and then 20% spread across international interest, Australian fixed interest, and cash as well to give a good kind of balance in regards to the portfolio.","start":1536.355,"end":1556.0199,"sentiment":"neutral","sentiment_score":0.19381880663335324}],"sentiment":"neutral","sentiment_score":0.1554641278726714,"num_words":105,"start":1513.315,"end":1556.0199},{"sentences":[{"text":"Now the really good thing with the portfolio as well is how it actually impacts things from a tax point of view.","start":1557.0399,"end":1566.755,"sentiment":"neutral","sentiment_score":0.049358363686637444},{"text":"So with the the tax, so, obviously, with the current in IDPS structure, obviously, anything that you earn, the dividends and stuff like that that you earn will be taxed at your marginal tax rate, which is obviously 39% for you.","start":1567.5349,"end":1581.91,"sentiment":"neutral","sentiment_score":0.11787562526580764},{"text":"Within the investment bonds, because it's kind of like a a tax vehicle for investing as well, the maximum tax rate within any bond is 30%.","start":1582.6901,"end":1595.085,"sentiment":"neutral","sentiment_score":0.1263945813362415},{"text":"But we obviously wanna minimize that as much as possible and do investments that is as tax effective as possible.","start":1595.625,"end":1601.805,"sentiment":"neutral","sentiment_score":0.17804010957479477},{"text":"So the portfolio that we are just kinda went through with you, so based on their projections, the effective tax rate quoted is likely to be more around 4.95% within the bond.","start":1602.105,"end":1614.75,"sentiment":"neutral","sentiment_score":0.12182207475416362}],"sentiment":"neutral","sentiment_score":0.11818547755585494,"num_words":141,"start":1557.0399,"end":1614.75},{"sentences":[{"text":"So, obviously, a massive difference.","start":1614.89,"end":1616.51,"sentiment":"neutral","sentiment_score":0.2187816917896271},{"text":"Yep.","start":1618.65,"end":1619.15,"sentiment":"positive","sentiment_score":0.42865198850631714},{"text":"So that's really good.","start":1620.035,"end":1621.315,"sentiment":"positive","sentiment_score":0.7451782673597336},{"text":"Now the one thing I do kind of want to mention, which I've touched on briefly with you before, is the the kind of a 125% rule of contribution.","start":1621.315,"end":1631.1749,"sentiment":"neutral","sentiment_score":0.044137715201439526},{"text":"So that is something kind of the the downside, I guess, or to be mindful of, which is that 125%.","start":1631.395,"end":1638.76,"sentiment":"neutral","sentiment_score":-0.06578163811936974}],"sentiment":"neutral","sentiment_score":0.07572261856521591,"num_words":59,"start":1614.89,"end":1638.76},{"sentences":[{"text":"Now the good thing is that the first twelve months, there's no rules.","start":1638.98,"end":1642.4401,"sentiment":"positive","sentiment_score":0.33567410936722386},{"text":"So you can do as much as much as you want without triggering anything.","start":1642.9,"end":1648.0751,"sentiment":"positive","sentiment_score":0.3614157097680228},{"text":"The only thing is if you decide to only do $10 over the whole course of the year, the following year, you can only do a 125% of what you've done this year.","start":1648.615,"end":1662.8099,"sentiment":"neutral","sentiment_score":0.11525453243291739},{"text":"But it's at the end of the year.","start":1662.8099,"end":1664.73,"sentiment":"neutral","sentiment_score":0.11352464184165001},{"text":"So you gives you time throughout the year.","start":1664.73,"end":1667.2899,"sentiment":"neutral","sentiment_score":0.10445795673877001}],"sentiment":"neutral","sentiment_score":0.1969847857559982,"num_words":76,"start":1638.98,"end":1667.2899},{"sentences":[{"text":"So if, let's say, we do the regular savings, which is good because that means you obviously do dollar cost averaging into the bond.","start":1667.2899,"end":1674.09,"sentiment":"neutral","sentiment_score":0.25216068762044114},{"text":"You take advantage of ups and downs in the market, which is great.","start":1674.09,"end":1677.135,"sentiment":"positive","sentiment_score":0.36964392547424024},{"text":"If that structure doesn't work for you or something unexpected comes up and you need to stop it, we can do that.","start":1677.135,"end":1683.935,"sentiment":"neutral","sentiment_score":0.05149579827081074},{"text":"Just let us know, and we can we can put a pause on it.","start":1683.935,"end":1686.995,"sentiment":"neutral","sentiment_score":0.09540856363517898},{"text":"And then if something changes and at the end of the financial year, you you get a little bit more and you go, oh, okay.","start":1687.2151,"end":1693.81,"sentiment":"neutral","sentiment_score":0.05707260474562645}],"sentiment":"neutral","sentiment_score":0.1505374500565991,"num_words":98,"start":1667.2899,"end":1693.81},{"sentences":[{"text":"I wanna put a little bit more in because you weren't able to do it for a period, we can do that.","start":1693.81,"end":1698.79,"sentiment":"neutral","sentiment_score":0.08214267969808796},{"text":"So we can obviously work with you to give you the flexibility.","start":1700.4501,"end":1703.03,"sentiment":"neutral","sentiment_score":0.22830594082673392},{"text":"Generation life is good as well.","start":1704.05,"end":1706.05,"sentiment":"neutral","sentiment_score":0.24063463633259138},{"text":"So if you do accidentally do go over the 125% rule, so if you don't tell us and you go, yeah.","start":1706.05,"end":1711.625,"sentiment":"neutral","sentiment_score":0.00974426595937638},{"text":"Cool.","start":1711.625,"end":1711.865,"sentiment":"neutral","sentiment_score":0.2162480503320694}],"sentiment":"neutral","sentiment_score":0.10341122091537522,"num_words":62,"start":1693.81,"end":1711.865},{"sentences":[{"text":"I'm just gonna check this in.","start":1711.865,"end":1712.985,"sentiment":"neutral","sentiment_score":0.029169210232794285},{"text":"I'm not sure.","start":1712.985,"end":1713.805,"sentiment":"neutral","sentiment_score":-0.06192886829376221},{"text":"Generation Life will give us a little heads up to say, hey.","start":1714.425,"end":1717.785,"sentiment":"neutral","sentiment_score":-0.019673708205421764},{"text":"This person has exceeded the rules.","start":1717.785,"end":1719.5651,"sentiment":"neutral","sentiment_score":-0.3049156864484151},{"text":"Do you want to proceed with that, or do we wanna refund the money back?","start":1720.025,"end":1724.6901,"sentiment":"neutral","sentiment_score":-0.1680682733654976}],"sentiment":"neutral","sentiment_score":-0.10946128716958421,"num_words":42,"start":1711.865,"end":1724.6901},{"sentences":[{"text":"So they do give us that kind of heads up, which is great.","start":1724.91,"end":1728.2101,"sentiment":"positive","sentiment_score":0.44495610147714615},{"text":"But I would say, let me know if you wanna change things drastically so that I can check.","start":1728.43,"end":1734.37,"sentiment":"neutral","sentiment_score":0.0863636541697714},{"text":"If it is a situation where you come across an inheritance or win the lottery or whatever it is and you go, you know what?","start":1734.75,"end":1741.995,"sentiment":"neutral","sentiment_score":0.07214904367923737},{"text":"I wanna put more money for the kids, we could then typically, what happens so you might not want to reset the time frame.","start":1741.995,"end":1749.295,"sentiment":"neutral","sentiment_score":0.0231764807831496},{"text":"If it's within the first one or two years and you go, well, the expected age of when I wanna give it to the kids is 25, I have more than ten years until the kids turn 25, we could look at if the best is to just put it in, reset the time frame because it's still within the the age, or whether it is sometimes what we do for clients, if that happens, is just to set up a separate bond, which then means that, let's say, you have 20,000 or something you wanna set up separately, one bond will obviously mature before the other.","start":1750.795,"end":1782.83,"sentiment":"neutral","sentiment_score":0.054909333865219186}],"sentiment":"neutral","sentiment_score":0.08328468154338911,"num_words":187,"start":1724.91,"end":1782.83},{"sentences":[{"text":"So you can start accessing that, and then the other one will be a little bit later.","start":1782.83,"end":1786.53,"sentiment":"neutral","sentiment_score":0.10695664891425301},{"text":"So we can obviously work with you what you want if that ever happens.","start":1786.67,"end":1792.05,"sentiment":"neutral","sentiment_score":0.11627002033804144},{"text":"Yep.","start":1792.19,"end":1792.69,"sentiment":"neutral","sentiment_score":0.03540625795722008},{"text":"Does that make sense?","start":1793.23,"end":1794.105,"sentiment":"neutral","sentiment_score":0.05176146049052477},{"text":"Yep.","start":1795.705,"end":1796.105,"sentiment":"neutral","sentiment_score":0.11525597423315048}],"sentiment":"neutral","sentiment_score":0.10280409163317165,"num_words":37,"start":1782.83,"end":1796.105},{"sentences":[{"text":"Yeah.","start":1796.105,"end":1796.505,"sentiment":"neutral","sentiment_score":0.273201584815979},{"text":"Great.","start":1796.505,"end":1797.005,"sentiment":"positive","sentiment_score":0.6049697399139404},{"text":"Perfect.","start":1797.065,"end":1797.565,"sentiment":"positive","sentiment_score":0.5554307103157043},{"text":"Now what we will do as well is that with the investment bond, how how it works is that anything as an initial deposit over 50,000 will trigger stamp duty.","start":1798.745,"end":1818.37,"sentiment":"neutral","sentiment_score":0.11171480168898901},{"text":"We don't want you to have pay the same duty.","start":1819.47,"end":1822.6649,"sentiment":"neutral","sentiment_score":0.007016350701451302}],"sentiment":"neutral","sentiment_score":0.11291185099371644,"num_words":43,"start":1796.105,"end":1822.6649},{"sentences":[{"text":"So a way to work around it is that we can set up the investment bond with exactly 50,000.","start":1822.6649,"end":1830.445,"sentiment":"neutral","sentiment_score":0.18110587369454534},{"text":"And then literally day one, because there's no restrictions on how much money you can put in the first twelve months, we can then deposit the rest of the money in straight away.","start":1830.9049,"end":1840.9801,"sentiment":"neutral","sentiment_score":0.22061855774937253},{"text":"And that means that Generation Life will pay the stamp duty, not you.","start":1841.28,"end":1845.2201,"sentiment":"neutral","sentiment_score":0.009870519718298545},{"text":"Yep.","start":1847.2001,"end":1847.7001,"sentiment":"neutral","sentiment_score":0.06491440534591675},{"text":"Makes sense?","start":1848.0801,"end":1848.8201,"sentiment":"neutral","sentiment_score":0.09183023124933243}],"sentiment":"neutral","sentiment_score":0.1632105239721782,"num_words":68,"start":1822.6649,"end":1848.8201},{"sentences":[{"text":"Yep.","start":1850.4,"end":1850.8,"sentiment":"neutral","sentiment_score":0.2712959349155426},{"text":"Great.","start":1850.8,"end":1851.12,"sentiment":"positive","sentiment_score":0.7258412837982178},{"text":"Perfect.","start":1851.12,"end":1851.62,"sentiment":"positive","sentiment_score":0.7261234521865845},{"text":"So I'll make sure as well, obviously, if both you and Hailey are happy with that, that that's exactly how we set up the implementation is we do not want you to have to pay the stamps duty.","start":1851.76,"end":1861.8949,"sentiment":"positive","sentiment_score":0.41906774808701713},{"text":"We want them to pay for it, but still having the money in there for you.","start":1861.8949,"end":1865.4,"sentiment":"positive","sentiment_score":0.41510386019945145}],"sentiment":"positive","sentiment_score":0.4261315238841793,"num_words":57,"start":1850.4,"end":1865.4},{"sentences":[{"text":"So it would just be like a a deposit the following day to get that money in without you having to pay for that stamp duty.","start":1865.48,"end":1871.5,"sentiment":"neutral","sentiment_score":0.3092825088936549},{"text":"Perfect.","start":1873.8,"end":1874.3,"sentiment":"positive","sentiment_score":0.4954252243041992},{"text":"Now, basically, everything I've touched on, it is highlighted.","start":1874.4401,"end":1877.72,"sentiment":"neutral","sentiment_score":0.1849041688773367},{"text":"So it is quite wordy in the the statement of advice, but it's also to allow you the opportunity to read over everything in your own time.","start":1877.72,"end":1885.485,"sentiment":"neutral","sentiment_score":0.252216633271288},{"text":"You will have a kind of a section outlining why this is in the best interest duty for, obviously, both of you and based on the consent order, gives you the full flexibility.","start":1885.945,"end":1896.49,"sentiment":"positive","sentiment_score":0.37240385060960596}],"sentiment":"neutral","sentiment_score":0.3052092098320524,"num_words":96,"start":1865.48,"end":1896.49},{"sentences":[{"text":"You can change investments whenever you want to as well, which is great.","start":1896.87,"end":1902.0701,"sentiment":"positive","sentiment_score":0.5570871944610889},{"text":"So it gives you full management just you of the accounts, which is what we want.","start":1902.0701,"end":1907.05,"sentiment":"positive","sentiment_score":0.5795978177338839},{"text":"It kind of outlines all the advantages in regards to what I've just kind of discussed.","start":1908.345,"end":1912.345,"sentiment":"positive","sentiment_score":0.36129858903586864},{"text":"So, obviously, from a tax point of view, from a security point of view for the kids, also benefit for you is that it obviously doesn't get added to the taxable income or any capital gains tax paid either by you or the kids when they take it after that ten year, which is great.","start":1912.345,"end":1927.58,"sentiment":"neutral","sentiment_score":0.27660684815861963},{"text":"Obviously, the disadvantage is that to get it really tax effective, you kind of have to leave it for the ten year time frame and being mindful of that 125% rule of contributions.","start":1928.28,"end":1941.225,"sentiment":"neutral","sentiment_score":-0.3266999062263604}],"sentiment":"neutral","sentiment_score":0.20096808856815324,"num_words":133,"start":1896.87,"end":1941.225},{"sentences":[{"text":"I've mentioned there's a lot of different alternatives we consider.","start":1943.045,"end":1945.785,"sentiment":"neutral","sentiment_score":-0.10323820486664773},{"text":"So just not doing an investment bond, doing other personal investment accounts, but in the kid's name, financial lien tax just wasn't as effective.","start":1945.925,"end":1954.42,"sentiment":"neutral","sentiment_score":-0.21111648653944334},{"text":"Looked at different child savings accounts with bank accounts.","start":1955.04,"end":1959.9401,"sentiment":"neutral","sentiment_score":-0.15067211455769008},{"text":"Again, nowhere near as tax effective and security for your kids.","start":1960.16,"end":1963.875,"sentiment":"neutral","sentiment_score":-0.20214522325179793},{"text":"Different investment bonds like Australian Unity, again, Generation Life was the most effective for for you.","start":1963.875,"end":1971.815,"sentiment":"positive","sentiment_score":0.4513106718659401}],"sentiment":"neutral","sentiment_score":-0.03511219232210091,"num_words":70,"start":1943.045,"end":1971.815},{"sentences":[{"text":"Now let me see here.","start":1974.195,"end":1975.975,"sentiment":"neutral","sentiment_score":0.24714986383914947},{"text":"And that is essentially everything.","start":1976.115,"end":1977.735,"sentiment":"neutral","sentiment_score":0.16315142214298248},{"text":"Sorry.","start":1978.035,"end":1978.355,"sentiment":"neutral","sentiment_score":0.02636547759175301},{"text":"I've touched on as well, obviously, the fee structure, that implementation fee, but discounted and split across the two bonds, and no ongoing advice fee, which is great.","start":1978.355,"end":1988.33,"sentiment":"neutral","sentiment_score":0.29042806955320494},{"text":"So overall makes it a lot cheaper.","start":1988.33,"end":1990.4299,"sentiment":"positive","sentiment_score":0.6598021643502372}],"sentiment":"neutral","sentiment_score":0.3223581088139959,"num_words":46,"start":1974.195,"end":1990.4299},{"sentences":[{"text":"And that is essentially everything.","start":1991.53,"end":1993.15,"sentiment":"neutral","sentiment_score":0.3234340488910675},{"text":"Now in the how to implement our advice section, I have kind of outlined a couple of more steps just for you.","start":1993.2899,"end":2000.175,"sentiment":"neutral","sentiment_score":0.2386171587488868},{"text":"So it says if you and Hailey are happy to go ahead with it, it will basically be to sign these documents to say that you are happy to go ahead with the implementation.","start":2000.795,"end":2010.495,"sentiment":"positive","sentiment_score":0.42243511536542105},{"text":"Once we receive that back from both of you, we will then sell down the personal investment account with hub 24, withdraw all the funds to your bank account, and then from there, invested through the kids, $50.50 split for both your kids through Generation Life.","start":2012.1,"end":2031.805,"sentiment":"neutral","sentiment_score":0.26102929011635156},{"text":"At the time, for you to tell us about the transfer date, So, basically, what year you wanted to go for the kids, but I will investigate that.","start":2032.8251,"end":2042.0399,"sentiment":"neutral","sentiment_score":0.04581906174176505}],"sentiment":"neutral","sentiment_score":0.2557023906183464,"num_words":135,"start":1991.53,"end":2042.0399},{"sentences":[{"text":"Like I said, I'll send you an email.","start":2042.0399,"end":2043.98,"sentiment":"neutral","sentiment_score":0.07821035943925381},{"text":"And then also for you to consider the estate planning.","start":2044.76,"end":2049.5798,"sentiment":"neutral","sentiment_score":0.0876756802201271},{"text":"So with the investment bond, it is good because you can put someone in place to take over the bonds if something were to happen to you.","start":2050.695,"end":2061.8352,"sentiment":"neutral","sentiment_score":0.25895913828302314},{"text":"You can have it go to the estate if that's what you want, or you can nominate an account guardian, which can be different, to manage it for you.","start":2062.0552,"end":2074.33,"sentiment":"neutral","sentiment_score":0.11068691210500126},{"text":"The rules will correct.","start":2075.03,"end":2078.4102,"sentiment":"neutral","sentiment_score":-0.027399059385061264}],"sentiment":"neutral","sentiment_score":0.14864949519053483,"num_words":78,"start":2042.0399,"end":2078.4102},{"sentences":[{"text":"So if something were to happen to you so it gives also that kind of it gives you more separation.","start":2078.5251,"end":2084.705,"sentiment":"neutral","sentiment_score":0.06502127712592483},{"text":"So often with, obviously, other investments, it will just go straight to your estate.","start":2084.925,"end":2088.865,"sentiment":"neutral","sentiment_score":0.07226384298077651},{"text":"Your estate will then be distributed per your wishes.","start":2089.0051,"end":2092.625,"sentiment":"neutral","sentiment_score":0.10397219492329492},{"text":"And then if that obviously goes to your kids who are under underage, then it could go obviously to their guardian depending who that is.","start":2093.2,"end":2102.74,"sentiment":"neutral","sentiment_score":0.026358216777443887},{"text":"Obviously, I'm not a lawyer, so I can't give you any legal advice.","start":2102.96,"end":2105.52,"sentiment":"neutral","sentiment_score":-0.17317756208089682}],"sentiment":"neutral","sentiment_score":0.02043847174004272,"num_words":81,"start":2078.5251,"end":2105.52},{"sentences":[{"text":"But the good thing with, perfect, but the good thing with the Generation Life Fund is you can nominate a sim similar to, like, how your superannuation.","start":2105.52,"end":2112.995,"sentiment":"neutral","sentiment_score":0.32167442570681926},{"text":"It can bypass kind of the estate planning, and you can put a straight nomination on the account of someone that you want to manage it for you until it gets transferred to your kids.","start":2113.695,"end":2126.51,"sentiment":"neutral","sentiment_score":0.23789256044796536},{"text":"So if something were to happen to you before the vesting date, you can then nominate someone who you want to manage it on your behalf.","start":2127.21,"end":2137.045,"sentiment":"neutral","sentiment_score":0.12923598633362696},{"text":"Whoever does manage it, though, still have the same restrictions in place.","start":2137.345,"end":2141.505,"sentiment":"neutral","sentiment_score":-0.047012884790698685},{"text":"So, obviously, it has to be for the purpose of the child.","start":2141.505,"end":2144.9648,"sentiment":"neutral","sentiment_score":-0.0054465656479199724}],"sentiment":"neutral","sentiment_score":0.17626849418905163,"num_words":112,"start":2105.52,"end":2144.9648},{"sentences":[{"text":"They can't just take the money out of the investment bonds and spend it on whatever they want.","start":2145.505,"end":2150.625,"sentiment":"neutral","sentiment_score":-0.05449181877904468},{"text":"It has to be for the purpose of the child.","start":2150.625,"end":2153.02,"sentiment":"neutral","sentiment_score":0.0036294026300311088},{"text":"Otherwise, the children could kind of sue them for it.","start":2153.24,"end":2155.56,"sentiment":"neutral","sentiment_score":-0.2066933572292328},{"text":"So there's still obviously a lot of that protection in place, but, yeah, it is there for you to decide.","start":2155.56,"end":2162.6199,"sentiment":"neutral","sentiment_score":0.07354144542478025},{"text":"So when we do the application as well, have a think about who you want to put down as an account guardian.","start":2162.76,"end":2168.985,"sentiment":"neutral","sentiment_score":0.04710161355747418}],"sentiment":"neutral","sentiment_score":-0.006305348465684801,"num_words":80,"start":2145.505,"end":2168.985},{"sentences":[{"text":"Yes.","start":2169.5251,"end":2170.0251,"sentiment":"neutral","sentiment_score":0.07677629590034485},{"text":"And then the last thing is obviously that contribution, like I said.","start":2170.725,"end":2174.165,"sentiment":"neutral","sentiment_score":0.039647720754146576},{"text":"So I have included monthly because that's how Generation Life sets it up, which is obviously then $80 per month.","start":2174.165,"end":2182.05,"sentiment":"neutral","sentiment_score":0.053763634897768496},{"text":"The appendix shows you the difference.","start":2182.05,"end":2184.47,"sentiment":"neutral","sentiment_score":0.03060891820738713},{"text":"So the appendix, actually, I have included through comparisons.","start":2184.6099,"end":2187.67,"sentiment":"neutral","sentiment_score":0.03004966200225883}],"sentiment":"neutral","sentiment_score":0.04337337729521096,"num_words":48,"start":2169.5251,"end":2187.67},{"sentences":[{"text":"So one is just $40 per month so that you can see the difference, and one is no contributions at all.","start":2187.97,"end":2196.595,"sentiment":"neutral","sentiment_score":0.030971052302491097},{"text":"So, again, you can see that difference.","start":2197.535,"end":2199.555,"sentiment":"neutral","sentiment_score":0.05708099316273417},{"text":"Yep.","start":2201.375,"end":2201.875,"sentiment":"neutral","sentiment_score":0.03912631422281265},{"text":"Mhmm.","start":2208.015,"end":2208.33,"sentiment":"neutral","sentiment_score":0.02644447609782219},{"text":"It it's up to each client.","start":2218.01,"end":2219.37,"sentiment":"neutral","sentiment_score":0.23009849588076273}],"sentiment":"neutral","sentiment_score":0.06933668933601843,"num_words":36,"start":2187.97,"end":2219.37},{"sentences":[{"text":"If it's something you want, then definitely.","start":2219.37,"end":2221.395,"sentiment":"neutral","sentiment_score":0.2748810776642391},{"text":"Some people just have it, like, an automatic debited from their account.","start":2221.5352,"end":2225.7952,"sentiment":"neutral","sentiment_score":0.21905136977632841},{"text":"That's how much they want.","start":2226.0151,"end":2226.975,"sentiment":"positive","sentiment_score":0.4068876087665558},{"text":"I just want it to go that way.","start":2226.975,"end":2228.675,"sentiment":"positive","sentiment_score":0.5130170844495296},{"text":"Some people do chop and change throughout the year depending on their financial situation, and then we do add a reminder whenever they want.","start":2228.895,"end":2236.83,"sentiment":"neutral","sentiment_score":0.1293247090652585}],"sentiment":"neutral","sentiment_score":0.24634199496358633,"num_words":56,"start":2219.37,"end":2236.83},{"sentences":[{"text":"So whether that is after six months, after three months, after nine, whatever it is, where we can go to you to be like, hey.","start":2236.83,"end":2244.61,"sentiment":"neutral","sentiment_score":0.09379519179463386},{"text":"This is what you've currently contributed.","start":2245.07,"end":2245.7754,"sentiment":"neutral","sentiment_score":0.16389410197734833},{"text":"Do you wanna make any changes before the 100 and Do you wanna make any changes before the 125% rule?","start":2245.7754,"end":2252.2249,"sentiment":"neutral","sentiment_score":0.02288831677287817},{"text":"So it it's kind of up to you what will you prefer.","start":2252.2249,"end":2254.705,"sentiment":"neutral","sentiment_score":0.1262021173412601},{"text":"If you want us to do a reminder, we can do that.","start":2254.705,"end":2257.025,"sentiment":"neutral","sentiment_score":0.0462293050562342}],"sentiment":"neutral","sentiment_score":0.07806917081276575,"num_words":75,"start":2236.83,"end":2257.025},{"sentences":[{"text":"If you don't want it and you just wanna have it set and forget, we can do that as well.","start":2257.025,"end":2262.8699,"sentiment":"neutral","sentiment_score":0.0023384241387248038},{"text":"Yep.","start":2262.8699,"end":2263.3699,"sentiment":"neutral","sentiment_score":0.19160833954811096},{"text":"Do you have any questions for me at this point?","start":2263.67,"end":2267.3699,"sentiment":"neutral","sentiment_score":0.12492592930793762},{"text":"Yep.","start":2273.03,"end":2273.53,"sentiment":"neutral","sentiment_score":0.2020000517368317},{"text":"Yes.","start":2274.79,"end":2275.215,"sentiment":"neutral","sentiment_score":0.32573163509368896}],"sentiment":"neutral","sentiment_score":0.061071751582803147,"num_words":33,"start":2257.025,"end":2275.215},{"sentences":[{"text":"Yep.","start":2276.975,"end":2277.475,"sentiment":"neutral","sentiment_score":0.14667785167694092},{"text":"Correct.","start":2281.375,"end":2281.875,"sentiment":"neutral","sentiment_score":0.1432056725025177},{"text":"Yes.","start":2282.655,"end":2283.135,"sentiment":"neutral","sentiment_score":0.11088229715824129},{"text":"Sorry.","start":2283.135,"end":2283.615,"sentiment":"neutral","sentiment_score":-0.015109658241271973},{"text":"If yes.","start":2283.615,"end":2285.5352,"sentiment":"neutral","sentiment_score":0.08469593897461891}],"sentiment":"neutral","sentiment_score":0.09250800684094429,"num_words":6,"start":2276.975,"end":2285.5352},{"sentences":[{"text":"So so if you are happy, and that can be irrespective of you decide you deciding at age.","start":2285.5352,"end":2292.17,"sentiment":"neutral","sentiment_score":0.22103080712258816},{"text":"So if you are happy to go ahead with it, you just sign the documents.","start":2292.17,"end":2295.71,"sentiment":"neutral","sentiment_score":0.23152160433431465},{"text":"And then as soon as both you and Hailey have signed it, I will let Hailey's adviser know that we've had the the conversation, and he's having that with her as well.","start":2296.09,"end":2304.5151,"sentiment":"neutral","sentiment_score":0.16248258668929338},{"text":"Wait for that to come through.","start":2304.655,"end":2306.175,"sentiment":"neutral","sentiment_score":0.06284202511111896},{"text":"In the meantime, I will send you that email just to check if we can change the age at a later date if you want to.","start":2306.175,"end":2313.63,"sentiment":"neutral","sentiment_score":0.05155579631145184}],"sentiment":"neutral","sentiment_score":0.14812705383549646,"num_words":97,"start":2285.5352,"end":2313.63},{"sentences":[{"text":"I will send that to you in an email regardless, and you can decide that after.","start":2313.7898,"end":2317.95,"sentiment":"neutral","sentiment_score":0.08044894644990563},{"text":"It's just before we submit the application.","start":2317.95,"end":2321.73,"sentiment":"neutral","sentiment_score":0.02949272282421589},{"text":"We have to put it down.","start":2321.7898,"end":2323.0898,"sentiment":"neutral","sentiment_score":0.0311128714432319},{"text":"So it still gives you a bit of time to do that.","start":2323.15,"end":2326.3699,"sentiment":"neutral","sentiment_score":-0.012913978969057402},{"text":"Yeah.","start":2327.39,"end":2327.655,"sentiment":"neutral","sentiment_score":0.14646300673484802}],"sentiment":"neutral","sentiment_score":0.0398048735888941,"num_words":42,"start":2313.7898,"end":2327.655},{"sentences":[{"text":"And the last thing I do wanna mention to you, Benjamin, though, is that on a personal note, I will actually be going on maternity leave next week.","start":2328.135,"end":2339.915,"sentiment":"neutral","sentiment_score":0.026567721739411354},{"text":"Okay.","start":2340.935,"end":2341.435,"sentiment":"positive","sentiment_score":0.40445417165756226},{"text":"Thank you very much.","start":2341.735,"end":2343.115,"sentiment":"positive","sentiment_score":0.5336307138204575},{"text":"So what will obviously happen is that I'm still got I'll still be here for this week, and I'll still be here for for next week.","start":2343.6501,"end":2350.6902,"sentiment":"neutral","sentiment_score":0.020527338886705156},{"text":"So, obviously, we can, you know, decide the the age if if you decide before that.","start":2350.6902,"end":2355.825,"sentiment":"neutral","sentiment_score":-0.020095926942303777}],"sentiment":"neutral","sentiment_score":0.04660065620827178,"num_words":75,"start":2328.135,"end":2355.825},{"sentences":[{"text":"But if not, my colleague, Jenna, will take over for me while I am on maternity leave.","start":2356.2249,"end":2363.905,"sentiment":"neutral","sentiment_score":-0.05627460777759552},{"text":"So it will be off for about twelve months, and I'm doing a very extensive handover with her next week on everything, making sure that everything, you know, we discussed continues to stay in place, both for your personal situation and, obviously, the investment bond.","start":2363.905,"end":2380.47,"sentiment":"neutral","sentiment_score":-0.013067014267047245},{"text":"She will be, of course, obviously, everything to do with the implementation of the IDPS.","start":2380.77,"end":2385.19,"sentiment":"neutral","sentiment_score":0.009035954127709071},{"text":"And, again, she has had nothing to do with Haley or any of her situation.","start":2385.835,"end":2391.135,"sentiment":"neutral","sentiment_score":-0.14572350693245728},{"text":"Completely separate, and she will be just looking after you in my set while I'm away.","start":2391.7551,"end":2396.495,"sentiment":"neutral","sentiment_score":-0.08167645847424865}],"sentiment":"neutral","sentiment_score":-0.04538722779532826,"num_words":108,"start":2356.2249,"end":2396.495},{"sentences":[{"text":"Yep.","start":2398.315,"end":2398.815,"sentiment":"neutral","sentiment_score":0.23034721612930295},{"text":"Thank you very much.","start":2400.635,"end":2401.48,"sentiment":"positive","sentiment_score":0.48760793544352055},{"text":"So I will probably, about next week, send you a bit of an introduction email just so that you have her direct email and everything like that.","start":2401.48,"end":2411.4001,"sentiment":"neutral","sentiment_score":0.0994716700580385},{"text":"You can always just call the office.","start":2411.4001,"end":2412.76,"sentiment":"neutral","sentiment_score":0.09574959320681435},{"text":"And if you forget, if you ask for me, they will just transfer it through to her anyway.","start":2412.76,"end":2416.46,"sentiment":"neutral","sentiment_score":0.06578524514204925}],"sentiment":"neutral","sentiment_score":0.1179104493767546,"num_words":57,"start":2398.315,"end":2416.46},{"sentences":[{"text":"If you email me directly, she would get all of my emails transferred to her anyway.","start":2416.815,"end":2421.2349,"sentiment":"neutral","sentiment_score":0.047961580799892545},{"text":"But I'll send you that kind of introduction email just so that you have her name and email address if there's anything that you need in the meantime as well.","start":2421.4548,"end":2429.395,"sentiment":"neutral","sentiment_score":0.14885807757576305},{"text":"No problem.","start":2431.615,"end":2432.355,"sentiment":"positive","sentiment_score":0.368905633687973},{"text":"Well, if I don't hear from you by next week, obviously, I wish you all the best with everything in the meantime, and then I can't wait to kind of reconnect when I'm back and see where everything's at.","start":2433.11,"end":2444.1702,"sentiment":"neutral","sentiment_score":0.17978695015876722},{"text":"Yep.","start":2450.7249,"end":2451.2048,"sentiment":"positive","sentiment_score":0.3495914936065674}],"sentiment":"neutral","sentiment_score":0.15150251633233644,"num_words":88,"start":2416.815,"end":2451.2048},{"sentences":[{"text":"Beautiful.","start":2451.2048,"end":2451.7048,"sentiment":"positive","sentiment_score":0.7016730904579163},{"text":"Well, thank you so much, Benjamin, and thank you so much for your time today.","start":2451.765,"end":2454.9048,"sentiment":"positive","sentiment_score":0.7398594538370769},{"text":"And, yeah, keep a lookout for that email from me.","start":2455.525,"end":2457.9248,"sentiment":"neutral","sentiment_score":0.27020306438207625},{"text":"I will get that clarified with that age for you as well.","start":2457.9248,"end":2463.1602,"sentiment":"neutral","sentiment_score":0.22110416802267233},{"text":"No problem at all.","start":2465.1,"end":2466.1401,"sentiment":"positive","sentiment_score":0.49147698283195496}],"sentiment":"positive","sentiment_score":0.4552560354627314,"num_words":42,"start":2451.2048,"end":2466.1401},{"sentences":[{"text":"Take care then.","start":2466.1401,"end":2467.04,"sentiment":"positive","sentiment_score":0.4067329367001851},{"text":"Bye.","start":2469.1802,"end":2469.6802,"sentiment":"neutral","sentiment_score":-0.08014558255672455}],"sentiment":"neutral","sentiment_score":0.2850133068859577,"num_words":4,"start":2466.1401,"end":2469.6802}]}}]},{"alternatives":[{"transcript":"Hello. Ben speaking. Good day. How are you? Yeah. That's fine. Yep. Yep. Benjamin James Clee. 281 Church Lane, Casa Ray. 25th to the twelfth nineteen ninety one. Yeah. Not too bad. Thank you. And yours? I'm on the drive at the moment, but I did quickly see what you sent through. Mhmm. Yeah. That's fine. Mhmm. Yep. Mhmm. Yep. Mhmm. Yep. Yep. Yep. That's fine. Mhmm. Yep. Mhmm. Right. Yeah. I'm just seeing obviously, I I've sent what you sent to me to my lawyer. I'm just waiting for her to come back and confirm if that's how it is. But I don't really understand why Hailey even gets a real stay because the consent orders that's all. Yep. Yep. Mhmm. Okay. Mhmm. Okay. Yep. Yes. Yeah. Okay. Mhmm. Yep. Yep. Yep. So all all she's involved in is signing to say, yep. She agrees. Yep. Mhmm. Okay. Yep. Yep. That makes sense. Yes. Mhmm. Mhmm. Yep. Yeah. Yeah. Mhmm. Yep. Yep. Mhmm. Mhmm. Yep. Yep. Yep. Yeah. That is yep. Thank you. Okay. Mhmm. Okay. That's good. Yep. Okay. Perfect. Yeah. No. Thank you. Thank you for that. Yep. Yep. Yep. Mhmm. Yep. Can can it be 25, but you can change it later, or is it set in stone? Yep. Yeah. Yeah. Exactly. Yep. Yeah. Yeah. And can you do can you do two different ages? Because, obviously, I got a seven year old and a five year old. Yeah. Yep. Yeah. Yep. Okay. But if you're able to double check if it can be amended, that'd be fantastic. Yep. Yep. Okay. That's alright. Hello. Yeah. And I'll I'll I'll think about a good age anyway. But if you if you're able to triple check, that'd be great. Yep. Mhmm. Mhmm. Okay. Mhmm. Yep. Yep. Yeah. That makes sense. Uh-huh. Yep. Mhmm. Yep. Okay. Yep. Yep. Perfect. Mhmm. Well, yep. Mhmm. Yep. Okay. Mhmm. Massive. Mhmm. Uh-huh. Okay. Yeah. Yeah. That makes sense. Yeah. Mhmm. Yep. No. No. Yeah. No. I haven't heard of them. Yes. Mhmm. Yeah. I've heard the name. Uh-huh. Yeah. Uh-huh. Uh-huh. Yep. Yeah. Yep. Yes. Mhmm. Yep. Right. Yeah. Mhmm. Yep. Okay. Mhmm. Mhmm. Okay. Yep. Yeah. Yeah. Yep. Mhmm. Yep. Yep. Yep. Okay. With that. Yep. Yep. Okay. Yeah. That makes sense. Yep. Mhmm. Yep. Yep. Yeah. Makes sense. Yes. Uh-huh. Yep. Yep. Yep. Yep. Mhmm. Yep. Uh-huh. Yep. Uh-huh. Yep. Okay. Mhmm. Yep. In the case I'm no longer here. Okay. Yep. Okay. Yeah. Yeah. No. That's that's fine. Yep. Yeah. Mhmm. Mhmm. Mhmm. Yep. No worries. Yeah. Mhmm. Yeah. That's good. Yep. Yep. That's good. Put down. Yep. Mhmm. Mhmm. Yep. Okay. Mhmm. Yep. Yep. Okay. See the difference. Yep. And is that something that in the like I say, it's been six months or we're coming close to the year ending, is it something that you guys reach out or you'll reach out and say, hey. You've only been making these contributions. Don't forget about the 01/25. Just as a reminder, is that something that you guys do? Yep. Yep. Mhmm. Yep. Yep. Yep. Okay. Yeah. No. That's fine. Yeah. No. That's fine. No worries. Perfect. No. Not at this stage. I'll read through I've I've pulled over and had a squeeze through the statement of advice with you, but I'll I'll have a good look at that tonight, read through it. And then yeah. And then all I've gotta do from that is sign the DocuSign that you've just sent through as well. Yep. And then that'll start the process. Yep. Yep. Mhmm. Yep. Yep. Mhmm. Yep. Okay. No. That's that's far. Yep. Perfect. Mhmm. Well, congratulations. Yep. Mhmm. Yep. Yep. Mhmm. Yep. Yep. Yep. Okay. Not a problem. But thank you very much. But yeah. And congratulations. Okay. Yep. Yeah. Perfect. Perfect. Thank you for that. No. Perfect. No. Thank you very much, and all the best for the next year and the the birth of your trial. Not a worry. Thank you very much for for Veronica. I appreciate your assistance. Take care. 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Ben speaking. Good day. How are you? Yeah.\n\nThat's fine. Yep. Yep. Benjamin James Clee. 281 Church Lane, Casa Ray.\n\n25th to the twelfth nineteen ninety one. Yeah. Not too bad. Thank you. And yours?\n\nI'm on the drive at the moment, but I did quickly see what you sent through. Mhmm. Yeah. That's fine. Mhmm.\n\nYep. Mhmm. Yep. Mhmm. Yep.\n\nYep. Yep. That's fine. Mhmm. Yep.\n\nMhmm. Right. Yeah. I'm just seeing obviously, I I've sent what you sent to me to my lawyer. I'm just waiting for her to come back and confirm if that's how it is.\n\nBut I don't really understand why Hailey even gets a real stay because the consent orders that's all. Yep. Yep. Mhmm. Okay.\n\nMhmm. Okay. Yep. Yes. Yeah.\n\nOkay. Mhmm. Yep. Yep. Yep.\n\nSo all all she's involved in is signing to say, yep. She agrees. Yep. Mhmm. Okay.\n\nYep. Yep. That makes sense. Yes. Mhmm.\n\nMhmm. Yep. Yeah. Yeah. Mhmm.\n\nYep. Yep. Mhmm. Mhmm. Yep.\n\nYep. Yep. Yeah. That is yep. Thank you.\n\nOkay. Mhmm. Okay. That's good. Yep.\n\nOkay. Perfect. Yeah. No. Thank you.\n\nThank you for that. Yep. Yep. Yep. Mhmm.\n\nYep. Can can it be 25, but you can change it later, or is it set in stone? Yep. Yeah. Yeah.\n\nExactly. Yep. Yeah. Yeah. And can you do can you do two different ages?\n\nBecause, obviously, I got a seven year old and a five year old. Yeah. Yep. Yeah. Yep.\n\nOkay. But if you're able to double check if it can be amended, that'd be fantastic. Yep. Yep. Okay.\n\nThat's alright. Hello. Yeah. And I'll I'll I'll think about a good age anyway. But if you if you're able to triple check, that'd be great.\n\nYep. Mhmm. Mhmm. Okay. Mhmm.\n\nYep. Yep. Yeah. That makes sense. Uh-huh.\n\nYep. Mhmm. Yep. Okay. Yep.\n\nYep. Perfect. Mhmm. Well, yep. Mhmm.\n\nYep. Okay. Mhmm. Massive. Mhmm.\n\nUh-huh. Okay. Yeah. Yeah. That makes sense.\n\nYeah. Mhmm. Yep. No. No.\n\nYeah. No. I haven't heard of them. Yes. Mhmm.\n\nYeah. I've heard the name. Uh-huh. Yeah. Uh-huh.\n\nUh-huh. Yep. Yeah. Yep. Yes.\n\nMhmm. Yep. Right. Yeah. Mhmm.\n\nYep. Okay. Mhmm. Mhmm. Okay.\n\nYep. Yeah. Yeah. Yep. Mhmm.\n\nYep. Yep. Yep. Okay. With that.\n\nYep. Yep. Okay. Yeah. That makes sense.\n\nYep. Mhmm. Yep. Yep. Yeah.\n\nMakes sense. Yes. Uh-huh. Yep. Yep.\n\nYep. Yep. Mhmm. Yep. Uh-huh.\n\nYep. Uh-huh. Yep. Okay. Mhmm.\n\nYep. In the case I'm no longer here. Okay. Yep. Okay.\n\nYeah. Yeah. No. That's that's fine. Yep.\n\nYeah. Mhmm. Mhmm. Mhmm. Yep.\n\nNo worries. Yeah. Mhmm. Yeah. That's good.\n\nYep. Yep. That's good. Put down. Yep.\n\nMhmm. Mhmm. Yep. Okay. Mhmm.\n\nYep. Yep. Okay. See the difference. Yep.\n\nAnd is that something that in the like I say, it's been six months or we're coming close to the year ending, is it something that you guys reach out or you'll reach out and say, hey. You've only been making these contributions. Don't forget about the 01/25. Just as a reminder, is that something that you guys do? Yep.\n\nYep. Mhmm. Yep. Yep. Yep.\n\nOkay. Yeah. No. That's fine. Yeah.\n\nNo. That's fine. No worries. Perfect. No.\n\nNot at this stage. I'll read through I've I've pulled over and had a squeeze through the statement of advice with you, but I'll I'll have a good look at that tonight, read through it. And then yeah. And then all I've gotta do from that is sign the DocuSign that you've just sent through as well. Yep.\n\nAnd then that'll start the process. Yep. Yep. Mhmm. Yep.\n\nYep. Mhmm. Yep. Okay. No.\n\nThat's that's far. Yep. Perfect. Mhmm. Well, congratulations.\n\nYep. Mhmm. Yep. Yep. Mhmm.\n\nYep. Yep. Yep. Okay. Not a problem.\n\nBut thank you very much. But yeah. And congratulations. Okay. Yep.\n\nYeah. Perfect. Perfect. Thank you for that. No.\n\nPerfect. No. Thank you very much, and all the best for the next year and the the birth of your trial. Not a worry. Thank you very much for for Veronica.\n\nI appreciate your assistance. Take care. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.28,"end":1.68,"sentiment":"neutral","sentiment_score":0.04143733158707619},{"text":"Ben speaking.","start":1.68,"end":2.5,"sentiment":"neutral","sentiment_score":0.044569291174411774},{"text":"Good day.","start":7.3599997,"end":7.8399997,"sentiment":"positive","sentiment_score":0.34904661774635315},{"text":"How are you?","start":7.8399997,"end":8.74,"sentiment":"neutral","sentiment_score":0.23290777703126272},{"text":"Yeah.","start":17.775,"end":18.015,"sentiment":"neutral","sentiment_score":0.17270641028881073}],"sentiment":"neutral","sentiment_score":0.18889987675680053,"num_words":9,"start":1.28,"end":18.015},{"sentences":[{"text":"That's 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that.","start":2429.9248,"end":2431.065,"sentiment":"positive","sentiment_score":0.6785582453012466},{"text":"No.","start":2444.645,"end":2444.885,"sentiment":"neutral","sentiment_score":-0.049989230930805206}],"sentiment":"positive","sentiment_score":0.46525460854172707,"num_words":8,"start":2422.325,"end":2444.885},{"sentences":[{"text":"Perfect.","start":2444.885,"end":2445.285,"sentiment":"neutral","sentiment_score":0.2019401490688324},{"text":"No.","start":2445.285,"end":2445.445,"sentiment":"neutral","sentiment_score":0.021544434130191803},{"text":"Thank you very much, and all the best for the next year and the the birth of your trial.","start":2445.445,"end":2450.425,"sentiment":"positive","sentiment_score":0.4219106812226145},{"text":"Not a worry.","start":2461.03,"end":2461.5898,"sentiment":"neutral","sentiment_score":0.2564745942751567},{"text":"Thank you very much for for Veronica.","start":2461.5898,"end":2463.1099,"sentiment":"positive","sentiment_score":0.6831176280975342}],"sentiment":"positive","sentiment_score":0.44487208728828737,"num_words":31,"start":2444.885,"end":2463.1099},{"sentences":[{"text":"I appreciate your assistance.","start":2463.1099,"end":2464.25,"sentiment":"positive","sentiment_score":0.7394711822271347},{"text":"Take care.","start":2467.5898,"end":2468.07,"sentiment":"positive","sentiment_score":0.3490099161863327},{"text":"Bye bye.","start":2468.07,"end":2468.73,"sentiment":"neutral","sentiment_score":0.23344016075134277}],"sentiment":"positive","sentiment_score":0.5153481103479862,"num_words":8,"start":2463.1099,"end":2468.73}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Ben speaking.\n\nChannel 0: Good afternoon, Ben. This is Veronica from AQ Financial. How are you?\n\nChannel 1: Good day. How are you?\n\nChannel 0: Good. Thanks. I had you booked in to go over the statement of advice with your recommendation. Is now still a good time for you?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yeah? Okay. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And just to confirm I'm speaking with the right person for security purposes, could I please get you to confirm your full name, date of birth, and address, please?\n\nChannel 1: Yep. Benjamin James Clee. 281 Church Lane, Casa Ray. 25th\n\nChannel 0: Yep.\n\nChannel 1: to the twelfth nineteen ninety one.\n\nChannel 0: Beautiful. And how's your morning or day been so far?\n\nChannel 1: Yeah. Not too bad. Thank you. And yours?\n\nChannel 0: Yeah. Good. Good. Good. Which is nice.\n\nNow, Ben, do you have access to your emails at the moment, or are you kind of on on the go?\n\nChannel 1: I'm on the drive at the moment, but I did quickly see what you sent through.\n\nChannel 0: Okay. Yep. So if you are happy for me to do so, I will kind of go over the main points. We've already touched on a lot of it, so it should be fairly straightforward, but I'll kind of just cover the recommendation and what it looks like.\n\nChannel 1: Mhmm.\n\nChannel 0: And then when you have time, obviously, later, you can always just have a read through the document. And if you then have any questions, you can always give me a callback. Would that be okay?\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Yeah. Okay. Perfect. So if you did see, I sent you two emails.\n\nChannel 1: Mhmm.\n\nChannel 0: The reason being is that the o design, so, like, the electronic signature one, so similar to kind of, like, the under review setup where we\n\nChannel 1: Yep.\n\nChannel 0: ask you to sign the document, that is for both you and Hailey as, obviously,\n\nChannel 1: Mhmm.\n\nChannel 0: you both have to agree through the recommendation. So that is for both of you. Now\n\nChannel 1: Yep.\n\nChannel 0: Hailey's adviser will also do the same kind of recommendation as I'm going through with you today with her, and then\n\nChannel 1: Mhmm.\n\nChannel 0: there's both of your signatures on it to make sure, obviously, it's all clear, you're both happy, and we can move forward.\n\nChannel 1: Yep.\n\nChannel 0: In the separate email, the reason I didn't attach it is because you have individual appendices, and that is just some personal information in regards to you, which I'd obviously not to be shared, and also\n\nChannel 1: Yep.\n\nChannel 0: how the tax will be specifically tailored for you. So that is the reason why it's kind of separate if that makes sense.\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Yep. Okay. Beautiful. So with the actual recommendation, so when you do have it, click through the documents.\n\nChannel 1: Mhmm.\n\nChannel 0: On the link, you will see that it has been prepared, and I've worked closely with Hailey's adviser, Tommy. So I've kind of made, obviously, recommendation and stuff based on what we've discussed. He's obviously\n\nChannel 1: Yep.\n\nChannel 0: spoken to Hailey, and then together kind of done a recommendation that we believe\n\nChannel 1: Mhmm.\n\nChannel 0: are the best for both of you with the situation and everything outlined in the consent order for your kids at the end of the day.\n\nChannel 1: Right.\n\nChannel 0: So yes. Any questions?\n\nChannel 1: Yeah. I'm just seeing obviously, I I've sent what you sent to me to my lawyer. I'm just waiting for her to come back and confirm if that's\n\nChannel 0: Mhmm.\n\nChannel 1: how it is.\n\nChannel 0: Yep.\n\nChannel 1: But I don't really understand why Hailey even gets a real stay because the consent orders that's all.\n\nChannel 0: Yes. So with the consent order, it's not super clear. So the way that the consent order reads is that, obviously, the investment is to remain in both of your names, be liquidated, and then transferred over to investments on behalf of, obviously, your children, and you will\n\nChannel 1: Yep.\n\nChannel 0: then manage everything for you. Because it\n\nChannel 1: Yep.\n\nChannel 0: is being liquidated and transferred out of both of your names and currently sits in both of your names, she will have to sign off on the fact that she agrees through the money being transferred out\n\nChannel 1: Mhmm.\n\nChannel 0: because of the consent order. So that is the only reason why she obviously has to be in the recommendation, and then that signing that one, if it was worded and\n\nChannel 1: Okay.\n\nChannel 0: structured that the investment is to be transferred over to you and then you have full say in how that money is then being transferred in through to send it directly with you. But because the consent order specifically shares says that the asset does not form palm of the matrimonial property pool available for division between the parties, that's why we have to do it this way. You\n\nChannel 1: Mhmm.\n\nChannel 0: still\n\nChannel 1: Okay.\n\nChannel 0: have full control of the investment. It is just\n\nChannel 1: Yep.\n\nChannel 0: for her to agree because because it can't be split before, there's obviously a capital gains tax consequence to both of you as it will be liquidated\n\nChannel 1: Yes.\n\nChannel 0: that way. And because,\n\nChannel 1: Yeah.\n\nChannel 0: obviously, that affects her as well, that's why she has to be involved. But once we set up the account so if she obviously agrees and signs the SOA, that's it. You have then full control of what you want, and we don't have to involve her at all. So in terms of, like, the questions I asked you with age, estate planning, that is just for\n\nChannel 1: Okay.\n\nChannel 0: you. Because you can ultimately kind of decide the age of what you want, and\n\nChannel 1: Mhmm.\n\nChannel 0: you can change investments and do everything just you, like, just us. It doesn't have to go\n\nChannel 1: Yep.\n\nChannel 0: through her. It is just to get\n\nChannel 1: Yep.\n\nChannel 0: the money out and transferred over, if that makes sense.\n\nChannel 1: Yep. So all all\n\nChannel 0: Yep.\n\nChannel 1: she's involved in is signing to say, yep. She agrees.\n\nChannel 0: With this exactly.\n\nChannel 1: Yep.\n\nChannel 0: That she agrees for the IDPS to be split and transferred over through investment bonds for, obviously, Abigail and William. This\n\nChannel 1: Mhmm.\n\nChannel 0: is the recommendation we have made in terms of how the money is invested and everything for that. And if she's happy, agrees, then we can move forward with the implementation just\n\nChannel 1: Okay.\n\nChannel 0: yeah. Does that make sense? Like\n\nChannel 1: Yep. Yep.\n\nChannel 0: yeah.\n\nChannel 1: That\n\nChannel 0: Okay.\n\nChannel 1: makes sense.\n\nChannel 0: Now with the capital gains tax, I'll probably start there first. I'm not sure if you did see the other email. So that is basically outlined in the appendix. Now because,\n\nChannel 1: Yes.\n\nChannel 0: obviously, the the funds are being, obviously, just for the purpose of your children,\n\nChannel 1: Mhmm.\n\nChannel 0: because of the capital gains tax event, it obviously they will be split equally between you and Hailey, and then you\n\nChannel 1: Mhmm.\n\nChannel 0: just pay your portion, and that's it. So I have included\n\nChannel 1: Yep.\n\nChannel 0: that in the appendix. And just for your reference, roughly how much it will be. So when you have a moment later in the appendix, it shows the current value of the IDPS, which is a 172,761. The net gain is 9,347. That's a lot of numbers, so it's all in there for you to have\n\nChannel 1: Yeah.\n\nChannel 0: a look\n\nChannel 1: Yeah.\n\nChannel 0: at later. You only pay 50%. She pays 50%. So your portion is 4,673, but that is then taxed at your marginal tax rate, which including medical levy is 39. So the total net tax payable will be about 1,822, if that makes sense.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Yep. Perfect. So that has not come out of the money for the kids. That's just separately, and then you guys can pay that completely separately.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Now with the recommendation, you will see that it has been prepared, obviously, for both of you. You will see my details listed as well as Hailey's advice's details from a compliance point on the cover page. Now\n\nChannel 1: Mhmm.\n\nChannel 0: just as per usual, we always have to follow that best interest duty, which is that we have to or I have to always act in your best interest at your at all times because you are my clients,\n\nChannel 1: Mhmm.\n\nChannel 0: and make sure that the advice puts you in a better position as a result of the advice. Otherwise, I can't actually make the recommendation. And, obviously, Hailey's advisers are bound by the same legalities, but just looking after her. So kind of completely\n\nChannel 1: Yep.\n\nChannel 0: separate.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now when it comes through, I haven't put this in the document because I didn't want it to be shared with Hailey, and it's just for you when it comes to your concerns with the child support payments. So I'll\n\nChannel 1: Yep.\n\nChannel 0: just kind of talk to you about it because I didn't put a wanted to put that\n\nChannel 1: Yeah.\n\nChannel 0: in writing.\n\nChannel 1: That is yep. Thank you.\n\nChannel 0: Sorry. I did obviously look into it, and and the good news is that this should actually turns out more favorable for you because\n\nChannel 1: Okay.\n\nChannel 0: the child support payment are only income tested. It's not asset tested. It's income tested. So with the IDPS structure that it currently works, obviously, it's held in your personal name and Hailey's personal name. Any dividends of income that you receive from the IDPS gets added to your taxable income, which then impacts how much child support payments you have to pay because it's part of your assessable income.\n\nNow with the investment bond, it will not impact anything. So because it is locked into an investment bond, and if you keep it for that ten year time frame and then sell it or transfer it to the kids, then it does not form part of your income.\n\nChannel 1: Mhmm.\n\nChannel 0: So it doesn't, after ten years, get added to your taxable income at all. Because it doesn't get added to your taxable income, it is not something that you will then pay child support on. So if\n\nChannel 1: Okay.\n\nChannel 0: this grows\n\nChannel 1: That's good.\n\nChannel 0: a lot, which, obviously we we want, it doesn't\n\nChannel 1: Yep.\n\nChannel 0: matter. As long as you don't take it out before the ten year period, it doesn't get added to your taxable income. So if anything, it should put it in a better position for you from a child support payment because before, or the way things are currently structured, you get added dividends to your taxable income. The investment bond does not.\n\nChannel 1: Okay.\n\nChannel 0: Yep.\n\nChannel 1: Perfect.\n\nChannel 0: Sorry. I didn't put that in the document, obviously, because I just wanted to tell you that.\n\nChannel 1: Yeah. No. Thank you. Thank you for that.\n\nChannel 0: No. That is all good. Now the recommendation is pretty straightforward. We are only just completely separate, just talking about the investments for the kids. That is it.\n\nThat is the only thing we're looking at.\n\nChannel 1: Yep.\n\nChannel 0: So what the actual recommendation is is outlined when you have a moment later. So, basically, it summarizes everything on page eight, and it's all in writing as well as the summarizes everything on page eight, and it's all in writing as well, and we're trying to mimic as close as possible to the consent order so that everything matches as well, which is great, which is that we have recommended that you sell your personal investments with hub twenty four, use the proceeds to then establish and invest in a investment bond with Generation Life. So the product is Generation Life. Now there is a lot of different investment bonds available out there that we've looked at. Generation Life and Australian Unity are kind of, like, the biggest and most competitive ones.\n\nGeneration Life are a little bit more tax effective. They have a lot more investment choices available and gives you more flexibility with the amount of contributions and stuff that you want to do or how you want to structure it, then Australian Unity. So I have recommended Generation Life, that's the product, with the investment bond. Now what we have recommended is obviously selling the IDPS completely and transferring all the balance over through the investment bond. It's two separate bonds, one for each of your children split equally.\n\nSo 5050% are distributed to them each. I've also put in the document that you will be solely independently managing each of the accounts then held in that trust for the child with the investment bond. So that is in wording in this document as well\n\nChannel 1: Yep.\n\nChannel 0: to make it super clear. Now I have also included kind of two contribution options for you. The first one, which is is in the recommendation, is looking at that $20 per week per child into the investment bond. In the appendix, I have included the $10 for you so that you can see the difference and then kind of work out whatever you feel is going to be the best for you cash flow wise and stuff like that.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now we've also put just a transfer date must be nominated for the funds to be transferred through the beneficial owners, which is each child. So when we set up the application, you have to let us know at what age you want it to go through the kids. We have\n\nChannel 1: Mhmm.\n\nChannel 0: recommended a minimum of ten years.\n\nChannel 1: Yep.\n\nChannel 0: It can be anywhere up until they turn 25. So do you know at this point at what age you would like it to go? Would you want, like, 18, 20, 21, 25? Do you know?\n\nChannel 1: Can can it be 25, but you can change it later, or is it set in stone?\n\nChannel 0: I would have to triple check because sometimes at application stage, which obviously\n\nChannel 1: Yep.\n\nChannel 0: wouldn't happen today, that will be when you both obviously sign the documents. We have the funds, and we will set up the application. So it still gives you a little bit of time to think about. Sometimes when you set the kind of vesting date, it stays in place. I will triple check that for you, though, and I can put it in an email, And then you can even respond to that email when you've had a bit of a time to think about it on if you wanted to be 25.\n\nBecause some people say, yeah. Cool. 18. Happy with it. Others feels well or 18.\n\nAre they really going to be financially\n\nChannel 1: Yeah.\n\nChannel 0: able to look after that amount of money,\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Exactly.\n\nChannel 0: maybe you want it a little bit a little bit later? So the choice is yours. We do or I do recommend a minimum of ten years, though, to get kind of the tax\n\nChannel 1: Yep.\n\nChannel 0: advantage.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So I\n\nChannel 1: And\n\nChannel 0: will\n\nChannel 1: can you do can you do two different ages? Because, obviously,\n\nChannel 0: yes.\n\nChannel 1: I got a\n\nChannel 0: Like\n\nChannel 1: seven year old and a five year old.\n\nChannel 0: exactly. You could do when, let's say, Abigail turns 20 and, when William\n\nChannel 1: Yeah.\n\nChannel 0: turns 18, if that's what you wanted, because it's two separate ones. So you\n\nChannel 1: Yep.\n\nChannel 0: can choose or whether you wanted 18 for both of them, then, obviously, one's going to receive it before the other because there is that age difference.\n\nChannel 1: Yeah.\n\nChannel 0: You\n\nChannel 1: Yep.\n\nChannel 0: can you can decide.\n\nChannel 1: Okay. But if\n\nChannel 0: Yep.\n\nChannel 1: you're able to double check if it can be\n\nChannel 0: Yes.\n\nChannel 1: amended, that'd be fantastic.\n\nChannel 0: Yep. I will go and\n\nChannel 1: Yep.\n\nChannel 0: triple check that for you. I have a feeling you can't, but I will\n\nChannel 1: Yep.\n\nChannel 0: triple check for you\n\nChannel 1: Okay. That's\n\nChannel 0: and\n\nChannel 1: alright.\n\nChannel 0: put\n\nChannel 1: Hello.\n\nChannel 0: that in the\n\nChannel 1: Yeah.\n\nChannel 0: email.\n\nChannel 1: And I'll I'll I'll think about a good age anyway. But if you if you're\n\nChannel 0: Yeah.\n\nChannel 1: able to triple check, that'd\n\nChannel 0: Yes.\n\nChannel 1: be great.\n\nChannel 0: Now the good thing with the investment bond as well is even though so they are obviously child investment bonds set up specifically for the kids, at the time of vesting so let's say whether that is 25 or 20 or 18, whatever you decide, they still have the option of continuing it as a kind of a adult investment bond or whether sell it completely. So it gives\n\nChannel 1: Yep.\n\nChannel 0: that kind of flexibility without setting the ten year time frame. So even, let's say,\n\nChannel 1: Mhmm.\n\nChannel 0: when they turn 18, if they go, oh, this is a pretty good investment, and I've already met that ten year time frame. So anything continuing on, I can stay for another year, another six months. I don't have to pay any capital gains tax or\n\nChannel 1: Mhmm.\n\nChannel 0: reset the time frame. They can continue on the bond. It can convert to a adult investment\n\nChannel 1: Okay.\n\nChannel 0: bond for each of them if they choose to do that. So they can then draw, like, draw an income stream from it or just sell everything and completely take it all the cash. It can then kind of be it gives us a lot of flexibility on depending on what's relevant at the time. So it is a really good way where if you do wanna be the bit of an income stream or whether it is private school or university fees or a car or a house deposit or whatever it might be, it gives\n\nChannel 1: Mhmm.\n\nChannel 0: the flexibility of choosing, which you don't have to choose\n\nChannel 1: Yep.\n\nChannel 0: now. It could just be if nothing if it's not sold down before vesting date, it automatically changes through a adult investment bond, but\n\nChannel 1: Yep.\n\nChannel 0: you can still cancel it whenever you want to after that. Does that make sense?\n\nChannel 1: Yeah. That makes sense.\n\nChannel 0: Yep. Okay. Perfect. Now when it comes to the actual growth so how the money is invested, when we spoke last, we kind of agree that that growth profile is suitable. You have kind of the time frame to take advantage of that growth portfolio.\n\nYou do have that more than six to seven years, which is usually what we are kind of looking at for that growth profile without going into, like, your high risk investments, because it is for your children.\n\nChannel 1: Uh-huh.\n\nChannel 0: Yep. Perfect. Now with the actual investment bond with GenLife, I have done a comparison for you so you can actually see\n\nChannel 1: Yep.\n\nChannel 0: how it's putting it in a better position than the way things are currently set up. So not even factoring in that, obviously, we want to sell out from, obviously, a complexity point of view and have it directly to your kids, that this type of investment is actually growing the funds a lot quicker and better than the current setup as well. So that is summarized on page fifteen and sixteen. It's two identical because it's $50.50 for both your kids, but it's just\n\nChannel 1: Mhmm.\n\nChannel 0: showing the situation of Abigail and then showing it for William. It is exactly\n\nChannel 1: Yep.\n\nChannel 0: the same, though. It is just showing that half the funds goes to Abigail and half to William.\n\nChannel 1: Okay.\n\nChannel 0: Now with the actual recommendation, you can see that the Generation Life investment bond is actually cheaper than the current IDPS structure with hub twenty four as well. So it's saving in fees alone at about $1,017 per investment bond. So, obviously, times that by two to get the total fee, for each\n\nChannel 1: Yep.\n\nChannel 0: bond. So it's not only making it cheaper, obviously, provides that protection for your kids, but it is making it a lot cheaper as well, which is great. So, obviously, less fee coming out means more money for your kids at the end of the day.\n\nChannel 1: Yep. Perfect.\n\nChannel 0: You you also when we are comparing a performance, so performance point of view, your current investment portfolio in Hub twenty four has performed at about 9.42%. The recommended portfolio with Generation Life, and this is after tax rates as well. So after all tax, which is great, has performed at 11.07%. So, again, not only being cheaper, it has performed better than the construction in Hub 24. Yep.\n\nMhmm. That's good. Now I have projected forward ten years for you to kind show you that if you were to just leave it or, let's say, set up another investment with hub twenty four, for example, in both the kid's name\n\nChannel 1: Mhmm.\n\nChannel 0: versus the investment bond, over a ten year time frame, it is estimated to be a difference of about 87,000, which is pretty crazy.\n\nChannel 1: Well,\n\nChannel 0: And\n\nChannel 1: yep.\n\nChannel 0: and that is not only factoring in that when you if you were to keep it in the current structure or split it and say set up two separate ones for the kids, at the end of that ten year time frame or five years, whenever you were to sell it, you would have to pay capital gains tax on that balance. You did not\n\nChannel 1: Mhmm.\n\nChannel 0: have to do that with Generation Life as long as we keep it for the ten year time frame.\n\nChannel 1: Yep.\n\nChannel 0: So,\n\nChannel 1: Okay.\n\nChannel 0: obviously, a bigger growth difference, which is fantastic.\n\nChannel 1: Mhmm.\n\nChannel 0: Now\n\nChannel 1: Massive.\n\nChannel 0: the fee which is great. Now the fee structure for you is a little bit different, so I do wanna kind of outline that. It works out more favorable because it's investments for the kids. So with the current structure, so the current IDPS, we do charge a 1.1% ongoing management fee from the IDPS. With the investment bond, we will not charge an ongoing advice fee, which is great.\n\nSo, overall,\n\nChannel 1: Mhmm.\n\nChannel 0: it will save you about $981 based on the current balance for each investment bond because we will not charge an ongoing management fee for them. Now there is a upfront fee just to kind of get, obviously, all the administration and application and everything up and running.\n\nChannel 1: Uh-huh.\n\nChannel 0: That is typically $7.50 for each investment that we set up. So each investment bond or each personal investment, it's a flat fee for $7.50. I have got approval to split that fee into two. So both bonds together is $7.50, but it's only $3.75 from each bond. So making it a\n\nChannel 1: Okay.\n\nChannel 0: little bit cheaper for you. Does that make sense?\n\nChannel 1: Yeah. Yeah. That makes sense.\n\nChannel 0: Yep. Perfect. But, obviously, the setup fee for each bond at $3.75 versus the ongoing management fee currently at $9.81, obviously, massive difference. So, again, it\n\nChannel 1: Yeah.\n\nChannel 0: makes it more affordable because it's specifically investing for your children with this generation\n\nChannel 1: Mhmm.\n\nChannel 0: of life bonds.\n\nChannel 1: Yep.\n\nChannel 0: Any questions so far?\n\nChannel 1: No. No.\n\nChannel 0: No? Okay. Perfect. Now what the actual portfolio investment looks like is outlined on page 17 when you have a moment. So, again, we do want to keep things diversified for you, and we do want to align with the risk profile.\n\nWe've also tried to select the most tax effective investment option. So with Generation Life, they have kind of three different categories on different investments to be tax effective. So what I try to do is what can give you the highest returns, less fees, and the most tax effective option while still making sure that we align with that eighty twenty allocation to assets. So what that looks like from an investment point of view is investing 40% in through one investment that's called the generation life tax effective Australian share funds. So it's like a managed fund managed by generation life focusing on Australian investment, and it has been set up specifically to be as tax effective as possible.\n\nSo that one has done really well. It's very diversified for you. We then wanna\n\nChannel 1: Yeah.\n\nChannel 0: make sure we do give you the global exposure. Obviously, you don't want everything in Australia. We wanna give you the global exposure. So to get you the international equity side of it, again, a managed fund, 40% is Hyperion Global Growth Companies. I'm not sure if you've heard of them.\n\nThey're they're quite big.\n\nChannel 1: No. I haven't heard of\n\nChannel 0: No.\n\nChannel 1: them.\n\nChannel 0: No. They are massive. They've won heaps of awards. Performance have been really good. Obviously, it is a managed fund, so they can see a bit of fluctuations in the short term.\n\nThat is, like, the nature of it. But, obviously, we have the time frame behind us to to take advantage of those ups and downs in order to grow it as much as possible while still keeping things very diversified.\n\nChannel 1: Yes.\n\nChannel 0: Now we then don't want everything in your equity, so we wanna make sure we give you the defensive component for the kids at 20%, which is then invested 20% into Vanguard conservative portfolio. So this is a portfolio run by Vanguard, which you may have heard of. They're quite big as well.\n\nChannel 1: Mhmm. Yeah. I've heard the name.\n\nChannel 0: Yeah. So they have obviously different portfolios, and this one is their kind of really conservative to give you the Australian fixed interest, international fixed interest to limit fluctuations because we don't want everything in equity. So it gives\n\nChannel 1: Uh-huh.\n\nChannel 0: you kind of a good overall asset allocation where you do have about 40% in Australian investment, 40% across the globe, and then 20% spread across international interest, Australian fixed interest, and cash as well to give a good\n\nChannel 1: Yeah.\n\nChannel 0: kind of balance in regards to the portfolio.\n\nChannel 1: Uh-huh.\n\nChannel 0: Now the really good thing with the portfolio as well is how it actually impacts things from a tax point of view. So with the the tax, so, obviously, with the current in IDPS structure, obviously, anything that you earn, the dividends and stuff like that that you earn will be taxed at your marginal tax rate, which is obviously 39% for you. Within the investment bonds, because it's kind of like a a tax vehicle for investing as well, the maximum tax rate within any bond is 30%. But we obviously wanna minimize that as much as possible and do investments that is as tax effective as possible. So the portfolio that we are just kinda went through with you, so based on their projections, the effective tax rate quoted is likely to be more around 4.95% within the bond.\n\nSo, obviously, a massive difference.\n\nChannel 1: Uh-huh. Yep.\n\nChannel 0: Yep. So that's really good. Now the one thing I do kind of want to mention, which I've touched on briefly with you before, is the the kind of a 125% rule of contribution. So that is something\n\nChannel 1: Yeah.\n\nChannel 0: kind of the the downside, I guess, or to be mindful of, which\n\nChannel 1: Yep.\n\nChannel 0: is that 125%. Now the good thing is that the first twelve months, there's no rules. So you can\n\nChannel 1: Yes.\n\nChannel 0: do as much as much as you want without triggering anything. The only thing is if you decide to only do $10 over the whole course of the year, the following\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: year, you can only do a 125% of what you've done this year. But\n\nChannel 1: Right.\n\nChannel 0: it's at the end of the year. So you gives you\n\nChannel 1: Yeah.\n\nChannel 0: time throughout the year. So if, let's say, we do the regular savings, which is good because that means you obviously do dollar cost averaging into the bond. You take advantage of ups and downs in the market, which is great. If that structure doesn't work for you or something unexpected comes up and you need to stop it, we can do that. Just let us know, and we can we can put\n\nChannel 1: Mhmm.\n\nChannel 0: a pause on it. And then if something changes and at the end of the financial year, you you get a little bit more and you go, oh, okay. I wanna put a little bit more in because you weren't\n\nChannel 1: Yep.\n\nChannel 0: able to do it for a period, we can do that.\n\nChannel 1: Okay.\n\nChannel 0: So we can obviously work with you to give you the flexibility. Generation\n\nChannel 1: Mhmm.\n\nChannel 0: life is good as well. So if you do accidentally do go over the 125% rule, so if you don't tell us and you go, yeah. Cool. I'm just gonna check this in. I'm not sure.\n\nGeneration\n\nChannel 1: Mhmm.\n\nChannel 0: Life will give us a little heads up to say, hey. This person has exceeded the rules. Do you want to proceed with that, or do we wanna refund the money back? So they\n\nChannel 1: Okay.\n\nChannel 0: do give us that kind of heads up, which is great. But I would\n\nChannel 1: Yep.\n\nChannel 0: say, let me know if you wanna change things drastically\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: so that\n\nChannel 1: Yep.\n\nChannel 0: I can check. If it is a situation where you come across an inheritance or win the lottery or whatever it is and you go, you know what? I wanna put more money for the kids,\n\nChannel 1: Mhmm.\n\nChannel 0: we could\n\nChannel 1: Yep.\n\nChannel 0: then typically, what happens so you might not want to reset the time frame. If it's within the first one or two years and you go, well, the expected age of when I wanna give it to the kids is 25, I have more than ten years until the kids turn 25, we could look at if\n\nChannel 1: Yep.\n\nChannel 0: the best is to just put it in, reset the time frame because it's still within the the age, or whether it is sometimes what we do for clients, if that happens, is just to set up a separate bond, which then\n\nChannel 1: Yep.\n\nChannel 0: means that, let's say, you have 20,000 or something you wanna set up separately, one bond will obviously mature before the other. So you can start accessing that, and then the other one will be a little bit later. So we can obviously work with you what you\n\nChannel 1: Okay.\n\nChannel 0: want\n\nChannel 1: With that.\n\nChannel 0: if\n\nChannel 1: Yep.\n\nChannel 0: that ever happens. Yep.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Does that make sense?\n\nChannel 1: Yeah. That makes sense.\n\nChannel 0: Yep. Yeah. Great. Perfect. Now what we will do as well is that with the investment bond,\n\nChannel 1: Yep.\n\nChannel 0: how\n\nChannel 1: Mhmm.\n\nChannel 0: how it works is that anything as an initial deposit over 50,000 will trigger stamp duty.\n\nChannel 1: Yep.\n\nChannel 0: We don't want you to have pay the same duty. So a way to work around it is that we can set up the investment bond with exactly 50,000. And then literally day one, because there's no restrictions on how much money you can put in the first twelve months, we can then deposit the rest of the money in straight away. And that means that Generation Life will pay the stamp duty, not you.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Makes sense?\n\nChannel 1: Yeah. Makes sense. Yes.\n\nChannel 0: Yep. Great. Perfect. So I'll make sure as well, obviously, if both you and Hailey are happy with that, that that's exactly how we set up the implementation is we do not want you to have to pay the stamps duty. We want them to pay for it, but still having the money in there for you.\n\nSo it would just be like a a deposit the following day to get that money in without you having to pay for that stamp duty.\n\nChannel 1: Uh-huh.\n\nChannel 0: Perfect. Now, basically, everything I've touched on, it is highlighted. So it is quite wordy in the the statement of advice, but it's also to allow\n\nChannel 1: Yep.\n\nChannel 0: you the opportunity to read over everything in your own time. You will have a kind of a section outlining why this is in the best interest duty for, obviously, both of you and based on the consent order, gives you the full flexibility. You can change investments whenever you want to\n\nChannel 1: Yep.\n\nChannel 0: as well, which is great. So it gives you full management just you of the accounts, which is what we want. It kind of outlines all the advantages in regards to what I've just kind of discussed. So, obviously, from a tax point of view, from a security point of view for the kids, also benefit for you is that it obviously doesn't get added to the taxable income or any capital gains tax paid either by you or the kids when they take it after that ten year, which is great. Obviously, the disadvantage is that to get it really tax effective, you kind of have to leave it for the ten year time frame and being mindful of that 125% rule\n\nChannel 1: Yep.\n\nChannel 0: of\n\nChannel 1: Yep.\n\nChannel 0: contributions. I've mentioned there's a lot of different alternatives we consider. So just not doing an investment bond, doing other personal investment accounts, but in the kid's name, financial lien tax just wasn't as effective. Looked at different child savings accounts with bank accounts. Again, nowhere near as tax effective and security for your kids.\n\nDifferent investment bonds like Australian Unity, again, Generation Life was the most effective for for you. Now let me see here. And that is essentially everything. Sorry. I've touched on as well, obviously, the fee structure, that implementation fee, but discounted and split across the two bonds, and no ongoing advice fee, which is great.\n\nSo overall makes it a lot cheaper. And that is essentially everything. Now in the how to implement our advice section, I have kind of outlined a couple of more steps just for you. So\n\nChannel 1: Mhmm.\n\nChannel 0: it says if you and Hailey are happy to go ahead with it, it will basically be to sign these documents to say that you are happy to go ahead with the implementation. Once we receive that back from both of you, we will then sell down the personal investment account with hub\n\nChannel 1: Yep.\n\nChannel 0: 24, withdraw\n\nChannel 1: Uh-huh.\n\nChannel 0: all the funds to your bank account, and then\n\nChannel 1: Yep.\n\nChannel 0: from there, invested through the kids, $50.50 split for both your kids through Generation Life.\n\nChannel 1: Uh-huh.\n\nChannel 0: At the time, for you to tell us about the transfer date, So, basically, what year you wanted to go for the kids, but I will investigate that. Like I said, I'll send you an\n\nChannel 1: Yep.\n\nChannel 0: email. And then also for you to consider the estate planning. So with the investment bond, it is good because you can put someone in place to take over the bonds if something were to happen to you. You can\n\nChannel 1: Okay.\n\nChannel 0: have it go to the estate if that's what you want,\n\nChannel 1: Mhmm.\n\nChannel 0: or you can nominate an account guardian, which can be different, to\n\nChannel 1: Yep.\n\nChannel 0: manage it for you. The\n\nChannel 1: In\n\nChannel 0: rules\n\nChannel 1: the case\n\nChannel 0: will\n\nChannel 1: I'm no longer\n\nChannel 0: correct. So\n\nChannel 1: here.\n\nChannel 0: if\n\nChannel 1: Okay.\n\nChannel 0: something were to\n\nChannel 1: Yep.\n\nChannel 0: happen to you so it gives also that kind of it gives you more separation. So often with, obviously, other investments, it will just go straight to your estate. Your estate will then be distributed per your wishes. And then if that obviously goes to your kids who are under underage, then it could go obviously to their guardian depending who that is. Obviously,\n\nChannel 1: Okay.\n\nChannel 0: I'm not a lawyer, so I can't give you any legal advice.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: But\n\nChannel 1: No.\n\nChannel 0: the good\n\nChannel 1: That's\n\nChannel 0: thing\n\nChannel 1: that's\n\nChannel 0: with,\n\nChannel 1: fine. Yep. Yeah.\n\nChannel 0: perfect, but the good thing with the Generation\n\nChannel 1: Mhmm.\n\nChannel 0: Life Fund is you can nominate a sim similar to, like, how your superannuation. It can bypass kind of the estate planning, and you\n\nChannel 1: Mhmm.\n\nChannel 0: can put a straight nomination on the account of someone that you want to manage it for you until it gets transferred to your kids. So if something were to happen to you before the vesting date, you can then\n\nChannel 1: Mhmm.\n\nChannel 0: nominate someone who you want to manage it on your behalf. Whoever\n\nChannel 1: Yep.\n\nChannel 0: does\n\nChannel 1: No\n\nChannel 0: manage\n\nChannel 1: worries.\n\nChannel 0: it, though, still have the same restrictions in place. So, obviously, it has to be for the purpose of the child. They can't just take the money out of the investment bonds and spend it\n\nChannel 1: Yeah.\n\nChannel 0: on whatever they want. It has to be for the purpose of the child. Otherwise, the\n\nChannel 1: Mhmm.\n\nChannel 0: children could kind of sue them for it. So there's still obviously a lot of that protection in place,\n\nChannel 1: Yeah. That's good. Yep.\n\nChannel 0: but,\n\nChannel 1: Yep. That's good.\n\nChannel 0: yeah, it is there for you to decide. So when we do the application as well, have a think about who you want to put down as\n\nChannel 1: Put\n\nChannel 0: an account\n\nChannel 1: down.\n\nChannel 0: guardian.\n\nChannel 1: Yep.\n\nChannel 0: Yes.\n\nChannel 1: Mhmm.\n\nChannel 0: And then the last thing is obviously that contribution, like I said. So I have included monthly because that's how\n\nChannel 1: Mhmm.\n\nChannel 0: Generation Life sets it up, which is obviously then $80 per month. The\n\nChannel 1: Yep.\n\nChannel 0: appendix shows you the difference. So the appendix,\n\nChannel 1: Okay.\n\nChannel 0: actually, I have included through comparisons. So one is just $40 per month so that\n\nChannel 1: Mhmm.\n\nChannel 0: you can see the difference, and one\n\nChannel 1: Yep.\n\nChannel 0: is no contributions at all.\n\nChannel 1: Yep.\n\nChannel 0: So,\n\nChannel 1: Okay.\n\nChannel 0: again, you can see that difference.\n\nChannel 1: See the difference. Yep. And is\n\nChannel 0: Yep.\n\nChannel 1: that something that in the like I say, it's been six months or we're coming close to the year ending, is it\n\nChannel 0: Mhmm.\n\nChannel 1: something that you guys reach out or you'll reach out and say, hey. You've only been making these contributions. Don't forget about the 01/25. Just as a reminder, is that something that you guys do?\n\nChannel 0: It it's up to each client. If it's something you want, then definitely. Some people just have it, like, an automatic debited from their account. That's how\n\nChannel 1: Yep.\n\nChannel 0: much they want. I just want it to go that way. Some\n\nChannel 1: Yep.\n\nChannel 0: people do chop and change throughout the year depending on their financial situation, and then we do add a reminder whenever they want. So whether that is after six months, after three months, after nine, whatever it is,\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: where\n\nChannel 1: Yep.\n\nChannel 0: we can\n\nChannel 1: Yep.\n\nChannel 0: go to you to be like, hey. This is what you've currently contributed. Do you wanna make any changes before the 100 and Do you wanna make any changes before the 125% rule? So it it's kind\n\nChannel 1: Okay.\n\nChannel 0: of up to you what will you prefer.\n\nChannel 1: Yeah.\n\nChannel 0: If\n\nChannel 1: No.\n\nChannel 0: you want\n\nChannel 1: That's\n\nChannel 0: us\n\nChannel 1: fine.\n\nChannel 0: to do a reminder, we can do that. If you don't want it and you just wanna have it set and forget, we can do that\n\nChannel 1: Yeah. No. That's fine. No\n\nChannel 0: as\n\nChannel 1: worries.\n\nChannel 0: well. Yep. Do you\n\nChannel 1: Perfect.\n\nChannel 0: have any questions for me at this\n\nChannel 1: No.\n\nChannel 0: point?\n\nChannel 1: Not at this stage. I'll read through I've I've pulled over and had a squeeze through the statement of advice with you, but I'll I'll have a\n\nChannel 0: Yep.\n\nChannel 1: good look at that tonight,\n\nChannel 0: Yes.\n\nChannel 1: read through it. And then yeah.\n\nChannel 0: Yep.\n\nChannel 1: And then all I've gotta do from that is sign the DocuSign that you've just sent through\n\nChannel 0: Correct.\n\nChannel 1: as well.\n\nChannel 0: Yes.\n\nChannel 1: Yep. And\n\nChannel 0: Sorry.\n\nChannel 1: then that'll\n\nChannel 0: If\n\nChannel 1: start the process.\n\nChannel 0: yes. So so if you are happy, and that can be\n\nChannel 1: Yep.\n\nChannel 0: irrespective of you decide you deciding at age. So if you are happy\n\nChannel 1: Yep.\n\nChannel 0: to go ahead with it, you just\n\nChannel 1: Mhmm.\n\nChannel 0: sign the documents. And then as soon as both you and Hailey have signed it, I will let Hailey's adviser know that we've had the the conversation, and he's having that with\n\nChannel 1: Yep.\n\nChannel 0: her as well. Wait for that\n\nChannel 1: Yep.\n\nChannel 0: to come through. In the meantime, I will send you that email just to check if we can change the age at a later date if you want to. I will send that\n\nChannel 1: Mhmm.\n\nChannel 0: to you in an email regardless, and you can decide that after. It's just before we submit the application. We have to put it down. So it still\n\nChannel 1: Yep.\n\nChannel 0: gives you a bit of time\n\nChannel 1: Okay.\n\nChannel 0: to\n\nChannel 1: No.\n\nChannel 0: do\n\nChannel 1: That's\n\nChannel 0: that.\n\nChannel 1: that's far. Yep. Perfect.\n\nChannel 0: Yeah. And the last thing I do wanna mention to you, Benjamin, though, is that on a personal note, I will actually be going on maternity leave next\n\nChannel 1: Mhmm.\n\nChannel 0: week.\n\nChannel 1: Well, congratulations.\n\nChannel 0: Okay. Thank you very much. So what will obviously happen is that I'm still got I'll still be here for this week, and I'll still be here for for next week. So, obviously,\n\nChannel 1: Yep.\n\nChannel 0: we can, you know, decide the the age if if you\n\nChannel 1: Mhmm.\n\nChannel 0: decide before that. But\n\nChannel 1: Yep.\n\nChannel 0: if not, my colleague, Jenna, will take over for me while I am\n\nChannel 1: Yep.\n\nChannel 0: on maternity leave. So it will be off for about twelve months, and I'm doing a very extensive handover with her next week on everything,\n\nChannel 1: Mhmm.\n\nChannel 0: making sure that everything, you know, we discussed continues to stay in place, both for your personal\n\nChannel 1: Yep.\n\nChannel 0: situation and, obviously, the investment bond. She\n\nChannel 1: Yep.\n\nChannel 0: will be, of course, obviously, everything to do with the implementation of the IDPS. And, again,\n\nChannel 1: Yep.\n\nChannel 0: she has had nothing to do with Haley or any of her situation. Completely separate, and she will be just looking after you in my set while I'm away.\n\nChannel 1: Okay. Not a problem. But thank you very much.\n\nChannel 0: Yep.\n\nChannel 1: But yeah. And congratulations.\n\nChannel 0: Thank you very much. So I will probably, about next week, send you a bit of an introduction email just so that you have her direct email and everything like that. You can always just call the office. And if you forget, if you ask for me, they will just transfer it through to her anyway. If you email me directly, she would get all of my emails transferred to her anyway.\n\nBut\n\nChannel 1: Okay.\n\nChannel 0: I'll send\n\nChannel 1: Yep.\n\nChannel 0: you\n\nChannel 1: Yeah.\n\nChannel 0: that kind of introduction email just so that you have her name and email address if there's anything\n\nChannel 1: Perfect.\n\nChannel 0: that you need in the meantime as well.\n\nChannel 1: Perfect. Thank you for that.\n\nChannel 0: No problem. Well, if I don't hear from you by next week, obviously, I wish you all the best with everything in the meantime, and then I can't wait to kind of reconnect when I'm back and see where everything's at.\n\nChannel 1: No. Perfect. No. Thank you very much, and all the best for the next year and the the birth of your trial.\n\nChannel 0: Yep. Beautiful. Well, thank you so much, Benjamin, and thank you so much for your time today. And, yeah, keep a lookout for that email from me. I will get that clarified with that age for you as\n\nChannel 1: Not a worry. Thank you very much for for\n\nChannel 0: well.\n\nChannel 1: Veronica. I appreciate your assistance.\n\nChannel 0: No problem at all. Take care then.\n\nChannel 1: Take care. Bye bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.28,"end":1.68,"sentiment":"neutral","sentiment_score":0.04143733158707619},{"text":"Ben speaking.","start":1.68,"end":2.5,"sentiment":"neutral","sentiment_score":0.044569291174411774}],"sentiment":"neutral","sentiment_score":0.04352530464529991,"channel":1,"num_words":3,"start":1.28,"end":2.5},{"sentences":[{"text":"Good afternoon, Ben.","start":3.12,"end":4.16,"sentiment":"neutral","sentiment_score":0.32516422867774963},{"text":"This is Veronica from AQ Financial.","start":4.16,"end":6.02,"sentiment":"neutral","sentiment_score":0.27268032481273013},{"text":"How are you?","start":6.16,"end":6.98,"sentiment":"neutral","sentiment_score":0.21461106340090433}],"sentiment":"neutral","sentiment_score":0.27128398542602855,"channel":0,"num_words":12,"start":3.12,"end":6.98},{"sentences":[{"text":"Good day.","start":7.3599997,"end":7.8399997,"sentiment":"positive","sentiment_score":0.34904661774635315},{"text":"How are you?","start":7.8399997,"end":8.74,"sentiment":"neutral","sentiment_score":0.23290777703126272}],"sentiment":"neutral","sentiment_score":0.2793633133172989,"channel":1,"num_words":5,"start":7.3599997,"end":8.74},{"sentences":[{"text":"Good.","start":9.04,"end":9.5199995,"sentiment":"positive","sentiment_score":0.5804135203361511},{"text":"Thanks.","start":9.5199995,"end":10.0199995,"sentiment":"positive","sentiment_score":0.6886636018753052},{"text":"I had you booked in to go over the statement of advice with your recommendation.","start":10.719999,"end":15.555,"sentiment":"positive","sentiment_score":0.4289129575093587},{"text":"Is now still a good time for you?","start":15.775,"end":17.475,"sentiment":"positive","sentiment_score":0.3549267649650574}],"sentiment":"positive","sentiment_score":0.42168742418289185,"channel":0,"num_words":25,"start":9.04,"end":17.475},{"sentences":[{"text":"Yeah.","start":17.775,"end":18.015,"sentiment":"neutral","sentiment_score":0.17270641028881073},{"text":"That's fine.","start":18.015,"end":18.755001,"sentiment":"neutral","sentiment_score":0.19921503216028214}],"sentiment":"neutral","sentiment_score":0.19037882486979166,"channel":1,"num_words":3,"start":17.775,"end":18.755001},{"sentences":[{"text":"Yeah?","start":18.895,"end":19.395,"sentiment":"neutral","sentiment_score":0.15703995525836945},{"text":"Okay.","start":19.455,"end":19.955,"sentiment":"neutral","sentiment_score":0.21985112130641937},{"text":"Perfect.","start":20.095001,"end":20.595001,"sentiment":"positive","sentiment_score":0.3846881985664368},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":20.975,"end":28.619999,"sentiment":"neutral","sentiment_score":0.0653395810774688}],"sentiment":"neutral","sentiment_score":0.0830133476993069,"channel":0,"num_words":32,"start":18.895,"end":28.619999},{"sentences":[{"text":"Yep.","start":29.65,"end":30.15,"sentiment":"neutral","sentiment_score":0.14350396394729614}],"sentiment":"neutral","sentiment_score":0.14350396394729614,"channel":1,"num_words":1,"start":29.65,"end":30.15},{"sentences":[{"text":"Perfect.","start":30.759998,"end":31.259998,"sentiment":"neutral","sentiment_score":0.2824006974697113},{"text":"And just to confirm I'm speaking with the right person for security purposes, could I please get you to confirm your full name, date of birth, and address, please?","start":31.4,"end":39.26,"sentiment":"neutral","sentiment_score":0.10716411085992024}],"sentiment":"neutral","sentiment_score":0.11300533041357994,"channel":0,"num_words":30,"start":30.759998,"end":39.26},{"sentences":[{"text":"Yep.","start":40.21,"end":40.449997,"sentiment":"neutral","sentiment_score":0.01890939101576805},{"text":"Benjamin James Clee.","start":40.449997,"end":41.73,"sentiment":"neutral","sentiment_score":0.012217016269763311},{"text":"281 Church Lane, Casa Ray.","start":41.73,"end":43.75,"sentiment":"neutral","sentiment_score":0.015781094878911973},{"text":"25th","start":44.025,"end":44.425,"sentiment":"neutral","sentiment_score":0.015136586502194405}],"sentiment":"neutral","sentiment_score":0.014960250072181224,"channel":1,"num_words":10,"start":40.21,"end":44.425},{"sentences":[{"text":"Yep.","start":44.375,"end":44.875,"sentiment":"neutral","sentiment_score":0.029247697442770004}],"sentiment":"neutral","sentiment_score":0.029247697442770004,"channel":0,"num_words":1,"start":44.375,"end":44.875},{"sentences":[{"text":"to the twelfth nineteen ninety one.","start":44.425,"end":45.885,"sentiment":"neutral","sentiment_score":0.044659859500825405}],"sentiment":"neutral","sentiment_score":0.044659859500825405,"channel":1,"num_words":6,"start":44.425,"end":45.885},{"sentences":[{"text":"Beautiful.","start":46.375,"end":46.875,"sentiment":"positive","sentiment_score":0.4447196424007416},{"text":"And how's your morning or day been so far?","start":46.935,"end":49.755,"sentiment":"neutral","sentiment_score":0.21885876688692305}],"sentiment":"neutral","sentiment_score":0.2414448544383049,"channel":0,"num_words":10,"start":46.375,"end":49.755},{"sentences":[{"text":"Yeah.","start":50.184998,"end":50.425,"sentiment":"neutral","sentiment_score":0.1632792055606842},{"text":"Not too bad.","start":50.425,"end":51.065,"sentiment":"neutral","sentiment_score":0.22219742834568024},{"text":"Thank you.","start":51.065,"end":51.385,"sentiment":"positive","sentiment_score":0.35990308225154877},{"text":"And yours?","start":51.385,"end":52.125,"sentiment":"neutral","sentiment_score":0.18194415420293808}],"sentiment":"neutral","sentiment_score":0.23919574543833733,"channel":1,"num_words":8,"start":50.184998,"end":52.125},{"sentences":[{"text":"Yeah.","start":52.455,"end":52.855,"sentiment":"neutral","sentiment_score":0.20413967967033383},{"text":"Good.","start":52.855,"end":53.355,"sentiment":"positive","sentiment_score":0.35005027055740356},{"text":"Good.","start":53.415,"end":53.735,"sentiment":"positive","sentiment_score":0.39925745129585266},{"text":"Good.","start":53.735,"end":54.215,"sentiment":"positive","sentiment_score":0.46703699231147766},{"text":"Which is nice.","start":54.215,"end":55.195,"sentiment":"positive","sentiment_score":0.5648037592569987}],"sentiment":"positive","sentiment_score":0.44498509594372343,"channel":0,"num_words":7,"start":52.455,"end":55.195},{"sentences":[{"text":"Now, Ben, do you have access to your emails at the moment, or are you kind of on on the 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it's all in writing as well as the summarizes everything on page eight, and it's all in writing as well, and we're trying to mimic as close as possible to the consent order so that everything matches as well, which is great, which is that we have recommended that you sell your personal investments with hub twenty four, use the proceeds to then establish and invest in a investment bond with Generation Life.","start":660.52997,"end":686.3,"sentiment":"positive","sentiment_score":0.33775453978195424},{"text":"So the product is Generation Life.","start":686.3,"end":689.715,"sentiment":"neutral","sentiment_score":0.20478628824154535},{"text":"Now there is a lot of different investment bonds available out there that we've looked at.","start":690.35504,"end":695.895,"sentiment":"neutral","sentiment_score":0.21582012390717864},{"text":"Generation Life and Australian Unity are kind of, like, the biggest and most competitive 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the investment bond.","start":726.105,"end":734.29,"sentiment":"neutral","sentiment_score":0.23994176302637374},{"text":"It's two separate bonds, one for each of your children split equally.","start":734.67,"end":739.39,"sentiment":"neutral","sentiment_score":0.21016567821304002}],"sentiment":"neutral","sentiment_score":0.27406583097245957,"channel":0,"num_words":90,"start":702.83,"end":739.39},{"sentences":[{"text":"So 5050% are distributed to them each.","start":739.39,"end":743.655,"sentiment":"neutral","sentiment_score":0.24382562935352325},{"text":"I've also put in the document that you will be solely independently managing each of the accounts then held in that trust for the child with the investment bond.","start":744.695,"end":754.775,"sentiment":"neutral","sentiment_score":0.2046579975506355},{"text":"So that is in wording in this document as 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have included the $10 for you so that you can see the difference and then kind of work out whatever you feel is going to be the best for you cash flow wise and stuff like that.","start":776.875,"end":789.25,"sentiment":"neutral","sentiment_score":0.23064646815381398}],"sentiment":"neutral","sentiment_score":0.21401922996155917,"channel":0,"num_words":80,"start":758.85504,"end":789.25},{"sentences":[{"text":"Yep.","start":789.945,"end":790.445,"sentiment":"neutral","sentiment_score":0.22884228825569153}],"sentiment":"neutral","sentiment_score":0.22884228825569153,"channel":1,"num_words":1,"start":789.945,"end":790.445},{"sentences":[{"text":"Yep.","start":790.75,"end":791.23004,"sentiment":"positive","sentiment_score":0.4084396362304687},{"text":"Perfect.","start":791.23004,"end":791.73004,"sentiment":"positive","sentiment_score":0.7794994711875916},{"text":"Now we've also put just a transfer date must be nominated for the funds to be transferred through the beneficial owners, which is 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bigger growth difference, which is 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great.","start":1269.28,"end":1271.2001,"sentiment":"positive","sentiment_score":0.39820497035980223},{"text":"Now the fee structure for you is a little bit different, so I do wanna kind of outline that.","start":1271.2001,"end":1275.2001,"sentiment":"neutral","sentiment_score":0.1668410922743772},{"text":"It works out more favorable because it's investments for the kids.","start":1275.2001,"end":1278.895,"sentiment":"positive","sentiment_score":0.37055336887186224},{"text":"So with the current structure, so the current IDPS, we do charge a 1.1% ongoing management fee from the IDPS.","start":1279.355,"end":1291.215,"sentiment":"neutral","sentiment_score":0.14867381006479263},{"text":"With the investment bond, we will not charge an ongoing advice fee, which is great.","start":1292.35,"end":1298.37,"sentiment":"neutral","sentiment_score":0.2712855041027069}],"sentiment":"neutral","sentiment_score":0.2325693060777017,"channel":0,"num_words":70,"start":1269.28,"end":1298.37},{"sentences":[{"text":"So, overall,","start":1298.9099,"end":1299.65,"sentiment":"neutral","sentiment_score":0.23882563412189484}],"sentiment":"neutral","sentiment_score":0.23882563412189484,"channel":0,"num_words":2,"start":1298.9099,"end":1299.65},{"sentences":[{"text":"Mhmm.","start":1299.575,"end":1300.075,"sentiment":"neutral","sentiment_score":0.03374925255775452}],"sentiment":"neutral","sentiment_score":0.03374925255775452,"channel":1,"num_words":1,"start":1299.575,"end":1300.075},{"sentences":[{"text":"it will save you about $981 based on the current balance for each investment bond because we will not charge an ongoing management fee for them.","start":1299.87,"end":1310.4851,"sentiment":"neutral","sentiment_score":0.2782141251059679},{"text":"Now there is a upfront fee just to kind of get, obviously, all the administration and application and everything up and running.","start":1310.9451,"end":1319.285,"sentiment":"neutral","sentiment_score":0.15164147249676965}],"sentiment":"neutral","sentiment_score":0.22020165932675204,"channel":0,"num_words":48,"start":1299.87,"end":1319.285},{"sentences":[{"text":"Uh-huh.","start":1320.105,"end":1320.605,"sentiment":"neutral","sentiment_score":0.09205812960863112}],"sentiment":"neutral","sentiment_score":0.09205812960863112,"channel":1,"num_words":1,"start":1320.105,"end":1320.605},{"sentences":[{"text":"That is typically $7.50 for each investment that we set up.","start":1320.305,"end":1325.36,"sentiment":"neutral","sentiment_score":0.12418673187494278},{"text":"So each investment bond or each personal investment, it's a flat fee for $7.50.","start":1325.36,"end":1330.8201,"sentiment":"neutral","sentiment_score":0.10732082011444229},{"text":"I have got approval to split that fee into two.","start":1331.4401,"end":1335.765,"sentiment":"neutral","sentiment_score":0.1273915596306324},{"text":"So both bonds together is $7.50, but it's only $3.75 from each bond.","start":1336.5651,"end":1343.225,"sentiment":"neutral","sentiment_score":0.1414154120362722},{"text":"So making it a","start":1343.525,"end":1344.3251,"sentiment":"neutral","sentiment_score":0.271343469619751}],"sentiment":"neutral","sentiment_score":0.13588914160545057,"channel":0,"num_words":52,"start":1320.305,"end":1344.3251},{"sentences":[{"text":"Okay.","start":1344.195,"end":1344.695,"sentiment":"neutral","sentiment_score":0.2934141159057617}],"sentiment":"neutral","sentiment_score":0.2934141159057617,"channel":1,"num_words":1,"start":1344.195,"end":1344.695},{"sentences":[{"text":"little bit cheaper for you.","start":1344.3251,"end":1345.605,"sentiment":"positive","sentiment_score":0.35301895141601564},{"text":"Does that make 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ongoing management fee currently at $9.81, obviously, massive difference.","start":1349.22,"end":1358.6799,"sentiment":"neutral","sentiment_score":0.19106639247565044},{"text":"So, again, it","start":1358.82,"end":1359.62,"sentiment":"neutral","sentiment_score":0.20831472675005594}],"sentiment":"neutral","sentiment_score":0.20834527995723945,"channel":0,"num_words":26,"start":1347.925,"end":1359.62},{"sentences":[{"text":"Yeah.","start":1359.53,"end":1360.03,"sentiment":"positive","sentiment_score":0.350597620010376}],"sentiment":"positive","sentiment_score":0.350597620010376,"channel":1,"num_words":1,"start":1359.53,"end":1360.03},{"sentences":[{"text":"makes it more affordable because it's specifically investing for your children with this 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questions so far?","start":1367.665,"end":1369.205,"sentiment":"neutral","sentiment_score":0.033206688705831766}],"sentiment":"neutral","sentiment_score":0.033206688705831766,"channel":0,"num_words":4,"start":1367.665,"end":1369.205},{"sentences":[{"text":"No.","start":1370.09,"end":1370.25,"sentiment":"neutral","sentiment_score":-0.07720164954662323},{"text":"No.","start":1370.25,"end":1370.75,"sentiment":"neutral","sentiment_score":-0.08449982106685638}],"sentiment":"neutral","sentiment_score":-0.08085073530673981,"channel":1,"num_words":2,"start":1370.09,"end":1370.75},{"sentences":[{"text":"No?","start":1371.265,"end":1371.585,"sentiment":"neutral","sentiment_score":-0.05527875572443008},{"text":"Okay.","start":1371.585,"end":1372.085,"sentiment":"neutral","sentiment_score":0.06355664134025574},{"text":"Perfect.","start":1372.225,"end":1372.725,"sentiment":"neutral","sentiment_score":0.2838903069496155},{"text":"Now what the actual portfolio investment looks like is outlined on page 17 when you have a moment.","start":1372.785,"end":1380.84,"sentiment":"neutral","sentiment_score":0.134562192691697},{"text":"So, again, we do want to keep things diversified for you, and we do want to align with the risk profile.","start":1381.38,"end":1388.9199,"sentiment":"neutral","sentiment_score":0.25906210782982053}],"sentiment":"neutral","sentiment_score":0.19415695060576713,"channel":0,"num_words":42,"start":1371.265,"end":1388.9199},{"sentences":[{"text":"We've also tried to select the most tax effective investment option.","start":1389.885,"end":1395.005,"sentiment":"neutral","sentiment_score":0.25080460513179953},{"text":"So with Generation Life, they have kind of three different categories on different investments to be tax effective.","start":1395.005,"end":1401.6901,"sentiment":"neutral","sentiment_score":0.18645661655399534},{"text":"So what I try to do is what can give you the highest returns, less fees, and the most tax effective option while still making sure 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you.","start":1445.63,"end":1447.745,"sentiment":"positive","sentiment_score":0.5050957441329956},{"text":"We then wanna","start":1447.745,"end":1448.625,"sentiment":"neutral","sentiment_score":0.09006929397583008}],"sentiment":"positive","sentiment_score":0.4797964294751485,"channel":0,"num_words":15,"start":1443.71,"end":1448.625},{"sentences":[{"text":"Yeah.","start":1448.3401,"end":1448.8401,"sentiment":"neutral","sentiment_score":0.12923556566238403}],"sentiment":"neutral","sentiment_score":0.12923556566238403,"channel":1,"num_words":1,"start":1448.3401,"end":1448.8401},{"sentences":[{"text":"make sure we do give you the global exposure.","start":1448.625,"end":1451.745,"sentiment":"neutral","sentiment_score":0.16690720286634234},{"text":"Obviously, you don't want everything in Australia.","start":1451.745,"end":1453.7649,"sentiment":"neutral","sentiment_score":-0.004457605736596244},{"text":"We wanna give you the global 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to limit fluctuations because we don't want everything in equity.","start":1522.51,"end":1535.81,"sentiment":"neutral","sentiment_score":0.09046060645154544},{"text":"So it gives","start":1536.355,"end":1536.995,"sentiment":"neutral","sentiment_score":0.18993736306826273}],"sentiment":"neutral","sentiment_score":0.09690808495267844,"channel":0,"num_words":39,"start":1522.11,"end":1536.995},{"sentences":[{"text":"Uh-huh.","start":1536.73,"end":1537.23,"sentiment":"neutral","sentiment_score":0.2326118052005768}],"sentiment":"neutral","sentiment_score":0.2326118052005768,"channel":1,"num_words":1,"start":1536.73,"end":1537.23},{"sentences":[{"text":"you kind of a good overall asset allocation where you do have about 40% in Australian investment, 40% across the globe, and then 20% spread across international interest, Australian fixed interest, and cash as well to give a 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you.","start":1567.5349,"end":1581.91,"sentiment":"neutral","sentiment_score":0.11787562526580764},{"text":"Within the investment bonds, because it's kind of like a a tax vehicle for investing as well, the maximum tax rate within any bond is 30%.","start":1582.6901,"end":1595.085,"sentiment":"neutral","sentiment_score":0.1263945813362415},{"text":"But we obviously wanna minimize that as much as possible and do investments that is as tax effective as possible.","start":1595.625,"end":1601.805,"sentiment":"neutral","sentiment_score":0.17804010957479477},{"text":"So the portfolio that we are just kinda went through with you, so based on their projections, the effective tax rate quoted is likely to be more around 4.95% within the bond.","start":1602.105,"end":1614.75,"sentiment":"neutral","sentiment_score":0.12182207475416362}],"sentiment":"neutral","sentiment_score":0.11818547755585494,"channel":0,"num_words":141,"start":1557.0399,"end":1614.75},{"sentences":[{"text":"So, obviously, a 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again,","start":2385.835,"end":2386.575,"sentiment":"neutral","sentiment_score":-0.014827967621386051}],"sentiment":"neutral","sentiment_score":0.005850967601872981,"channel":0,"num_words":16,"start":2381.01,"end":2386.575},{"sentences":[{"text":"Yep.","start":2386.26,"end":2386.76,"sentiment":"neutral","sentiment_score":-0.021456781774759293}],"sentiment":"neutral","sentiment_score":-0.021456781774759293,"channel":1,"num_words":1,"start":2386.26,"end":2386.76},{"sentences":[{"text":"she has had nothing to do with Haley or any of her situation.","start":2386.635,"end":2391.135,"sentiment":"neutral","sentiment_score":-0.16586128221108362},{"text":"Completely separate, and she will be just looking after you in my set while I'm away.","start":2391.7551,"end":2396.495,"sentiment":"neutral","sentiment_score":-0.08167645847424865}],"sentiment":"neutral","sentiment_score":-0.11941448290800226,"channel":0,"num_words":29,"start":2386.635,"end":2396.495},{"sentences":[{"text":"Okay.","start":2396.4148,"end":2396.9148,"sentiment":"neutral","sentiment_score":0.1312330961227417},{"text":"Not a problem.","start":2396.9749,"end":2397.615,"sentiment":"neutral","sentiment_score":0.2749952971935272},{"text":"But thank you very much.","start":2397.615,"end":2398.4148,"sentiment":"positive","sentiment_score":0.5132361888885498}],"sentiment":"positive","sentiment_score":0.3913777702384525,"channel":1,"num_words":9,"start":2396.4148,"end":2398.4148},{"sentences":[{"text":"Yep.","start":2398.315,"end":2398.815,"sentiment":"neutral","sentiment_score":0.23034721612930295}],"sentiment":"neutral","sentiment_score":0.23034721612930295,"channel":0,"num_words":1,"start":2398.315,"end":2398.815},{"sentences":[{"text":"But yeah.","start":2398.4148,"end":2398.815,"sentiment":"neutral","sentiment_score":0.2680279612541199},{"text":"And congratulations.","start":2398.815,"end":2399.7148,"sentiment":"positive","sentiment_score":0.4457748979330063}],"sentiment":"positive","sentiment_score":0.3569014295935631,"channel":1,"num_words":4,"start":2398.4148,"end":2399.7148},{"sentences":[{"text":"Thank you very much.","start":2400.635,"end":2401.48,"sentiment":"positive","sentiment_score":0.48760793544352055},{"text":"So I will probably, about next week, send you a bit of an introduction email just so that you have her direct email and everything like that.","start":2401.48,"end":2411.4001,"sentiment":"neutral","sentiment_score":0.0994716700580385},{"text":"You can always just call the office.","start":2411.4001,"end":2412.76,"sentiment":"neutral","sentiment_score":0.09574959320681435},{"text":"And if you forget, if you ask for me, they will just transfer it through to her anyway.","start":2412.76,"end":2416.46,"sentiment":"neutral","sentiment_score":0.06578524514204925},{"text":"If you email me directly, she would get all of my emails transferred to her anyway.","start":2416.815,"end":2421.2349,"sentiment":"neutral","sentiment_score":0.047961580799892545}],"sentiment":"neutral","sentiment_score":0.10080463459922208,"channel":0,"num_words":72,"start":2400.635,"end":2421.2349},{"sentences":[{"text":"But","start":2421.4548,"end":2421.695,"sentiment":"neutral","sentiment_score":0.05529353767633438}],"sentiment":"neutral","sentiment_score":0.05529353767633438,"channel":0,"num_words":1,"start":2421.4548,"end":2421.695},{"sentences":[{"text":"Okay.","start":2421.605,"end":2421.9248,"sentiment":"neutral","sentiment_score":0.05780328810214996}],"sentiment":"neutral","sentiment_score":0.05780328810214996,"channel":1,"num_words":1,"start":2421.605,"end":2421.9248},{"sentences":[{"text":"I'll send","start":2421.695,"end":2422.095,"sentiment":"neutral","sentiment_score":0.06785011291503906}],"sentiment":"neutral","sentiment_score":0.06785011291503906,"channel":0,"num_words":2,"start":2421.695,"end":2422.095},{"sentences":[{"text":"Yep.","start":2421.9248,"end":2422.325,"sentiment":"neutral","sentiment_score":0.06796962022781372}],"sentiment":"neutral","sentiment_score":0.06796962022781372,"channel":1,"num_words":1,"start":2421.9248,"end":2422.325},{"sentences":[{"text":"you","start":2422.095,"end":2422.335,"sentiment":"neutral","sentiment_score":0.06867069005966187}],"sentiment":"neutral","sentiment_score":0.06867069005966187,"channel":0,"num_words":1,"start":2422.095,"end":2422.335},{"sentences":[{"text":"Yeah.","start":2422.325,"end":2422.825,"sentiment":"neutral","sentiment_score":0.0959688201546669}],"sentiment":"neutral","sentiment_score":0.0959688201546669,"channel":1,"num_words":1,"start":2422.325,"end":2422.825},{"sentences":[{"text":"that kind of introduction email just so that you have her name and email address if there's anything","start":2422.335,"end":2426.895,"sentiment":"neutral","sentiment_score":0.13063794043329027}],"sentiment":"neutral","sentiment_score":0.13063794043329027,"channel":0,"num_words":18,"start":2422.335,"end":2426.895},{"sentences":[{"text":"Perfect.","start":2426.7249,"end":2427.2249,"sentiment":"neutral","sentiment_score":0.320716917514801}],"sentiment":"neutral","sentiment_score":0.320716917514801,"channel":1,"num_words":1,"start":2426.7249,"end":2427.2249},{"sentences":[{"text":"that you need in the meantime as well.","start":2426.895,"end":2429.395,"sentiment":"neutral","sentiment_score":0.2318243682384491}],"sentiment":"neutral","sentiment_score":0.2318243682384491,"channel":0,"num_words":8,"start":2426.895,"end":2429.395},{"sentences":[{"text":"Perfect.","start":2429.525,"end":2429.9248,"sentiment":"positive","sentiment_score":0.6411073803901672},{"text":"Thank you for that.","start":2429.9248,"end":2431.065,"sentiment":"positive","sentiment_score":0.6785582453012466}],"sentiment":"positive","sentiment_score":0.6710680723190308,"channel":1,"num_words":5,"start":2429.525,"end":2431.065},{"sentences":[{"text":"No problem.","start":2431.615,"end":2432.355,"sentiment":"positive","sentiment_score":0.368905633687973},{"text":"Well, if I don't hear from you by next week, obviously, I wish you all the best with everything in the meantime, and then I can't wait to kind of reconnect when I'm back and see where everything's at.","start":2433.11,"end":2444.1702,"sentiment":"neutral","sentiment_score":0.17978695015876722}],"sentiment":"neutral","sentiment_score":0.18901225179433823,"channel":0,"num_words":41,"start":2431.615,"end":2444.1702},{"sentences":[{"text":"No.","start":2444.645,"end":2444.885,"sentiment":"neutral","sentiment_score":-0.049989230930805206},{"text":"Perfect.","start":2444.885,"end":2445.285,"sentiment":"neutral","sentiment_score":0.2019401490688324},{"text":"No.","start":2445.285,"end":2445.445,"sentiment":"neutral","sentiment_score":0.021544434130191803},{"text":"Thank you very much, and all the best for the next year and the the birth of your trial.","start":2445.445,"end":2450.425,"sentiment":"positive","sentiment_score":0.4219106812226145}],"sentiment":"positive","sentiment_score":0.37226355888626794,"channel":1,"num_words":22,"start":2444.645,"end":2450.425},{"sentences":[{"text":"Yep.","start":2450.7249,"end":2451.2048,"sentiment":"positive","sentiment_score":0.3495914936065674},{"text":"Beautiful.","start":2451.2048,"end":2451.7048,"sentiment":"positive","sentiment_score":0.7016730904579163},{"text":"Well, thank you so much, Benjamin, and thank you so much for your time today.","start":2451.765,"end":2454.9048,"sentiment":"positive","sentiment_score":0.7398594538370769},{"text":"And, yeah, keep a lookout for that email from me.","start":2455.525,"end":2457.9248,"sentiment":"neutral","sentiment_score":0.27020306438207625},{"text":"I will get that clarified with that age for you as","start":2457.9248,"end":2460.72,"sentiment":"neutral","sentiment_score":0.17512409592216666}],"sentiment":"positive","sentiment_score":0.4415145286996114,"channel":0,"num_words":38,"start":2450.7249,"end":2460.72},{"sentences":[{"text":"Not a worry.","start":2461.03,"end":2461.5898,"sentiment":"neutral","sentiment_score":0.2564745942751567},{"text":"Thank you very much for for","start":2461.5898,"end":2462.71,"sentiment":"positive","sentiment_score":0.7259798844655355}],"sentiment":"positive","sentiment_score":0.5694781210687425,"channel":1,"num_words":9,"start":2461.03,"end":2462.71},{"sentences":[{"text":"well.","start":2462.6602,"end":2463.1602,"sentiment":"positive","sentiment_score":0.7268849611282349}],"sentiment":"positive","sentiment_score":0.7268849611282349,"channel":0,"num_words":1,"start":2462.6602,"end":2463.1602},{"sentences":[{"text":"Veronica.","start":2462.71,"end":2463.1099,"sentiment":"positive","sentiment_score":0.4259440898895264},{"text":"I appreciate your assistance.","start":2463.1099,"end":2464.25,"sentiment":"positive","sentiment_score":0.7394711822271347}],"sentiment":"positive","sentiment_score":0.6767657637596131,"channel":1,"num_words":5,"start":2462.71,"end":2464.25},{"sentences":[{"text":"No problem at all.","start":2465.1,"end":2466.1401,"sentiment":"positive","sentiment_score":0.49147698283195496},{"text":"Take care then.","start":2466.1401,"end":2467.04,"sentiment":"positive","sentiment_score":0.4067329367001851}],"sentiment":"positive","sentiment_score":0.45515810591833933,"channel":0,"num_words":7,"start":2465.1,"end":2467.04},{"sentences":[{"text":"Take care.","start":2467.5898,"end":2468.07,"sentiment":"positive","sentiment_score":0.3490099161863327},{"text":"Bye bye.","start":2468.07,"end":2468.73,"sentiment":"neutral","sentiment_score":0.23344016075134277}],"sentiment":"neutral","sentiment_score":0.29122503846883774,"channel":1,"num_words":4,"start":2467.5898,"end":2468.73},{"sentences":[{"text":"Bye.","start":2469.1802,"end":2469.6802,"sentiment":"neutral","sentiment_score":-0.08014558255672455}],"sentiment":"neutral","sentiment_score":-0.08014558255672455,"channel":0,"num_words":1,"start":2469.1802,"end":2469.6802}]},"summary":{"result":"success","short":" Veronica from AQ Financial discusses Benjamin's recommendation for a statement of advice and emphasizes the importance of transferring investments and maintaining control of the investment. She provides details on the process of transferring investments and emphasizes the need to follow the best interests of the client. The speaker recommends selling personal investments with a bond and emphasizes the importance of diversifying the portfolio and aligning with the risk profile. They also explain the benefits of the IDPS and offer guidance on managing personal investment accounts. The speaker emphasizes the importance of minimizing tax rates and offers assistance with setting up an appointment."},"intents":{"segments":[{"text":"I had you booked in to go over the statement of advice with your recommendation. Is now still a good time for you? Yeah.","start_word":22,"end_word":45,"intents":[{"intent":"Discuss recommendations","confidence_score":0.18418331}]},{"text":"And just to confirm I'm speaking with the right person for security purposes, could I please get you to confirm your full name, date of birth, and address, please? Yep.","start_word":82,"end_word":111,"intents":[{"intent":"Confirm identity","confidence_score":0.6525307}]},{"text":"So if you are happy for me to do so, I will kind of go over the main points. We've already touched on a lot of it, so it should be fairly straightforward, but I'll kind of just cover the recommendation and what it looks like.","start_word":192,"end_word":237,"intents":[{"intent":"Discuss document","confidence_score":0.25007597},{"intent":"Discuss document","confidence_score":0.05750218}]},{"text":"So if you are happy for me to do so, I will kind of go over the main points. We've already touched on a lot of it, so it should be fairly straightforward, but I'll kind of just cover the recommendation and what it looks like. Mhmm.","start_word":192,"end_word":238,"intents":[{"intent":"Discuss main points","confidence_score":0.16987447}]},{"text":"The reason being is that the o design, so, like, the electronic signature one, so similar to kind of, like, the under review setup where we Yep. ask you to sign the document, that is for both you and Hailey as, obviously, Mhmm. you both have to agree through the recommendation. So that is for both of you.","start_word":292,"end_word":349,"intents":[{"intent":"Sign document","confidence_score":0.08762544}]},{"text":"But I don't really understand why Hailey even gets a real stay because the consent orders that's all. Yes.","start_word":594,"end_word":612,"intents":[{"intent":"Confirm permission to stay","confidence_score":0.00006569999}]},{"text":"That she agrees for the IDPS to be split and transferred over through investment bonds for, obviously, Abigail and William. This is Mhmm.","start_word":993,"end_word":1015,"intents":[{"intent":"Negotiate idps settlement","confidence_score":0.00018487274}]},{"text":"at later. You only pay 50%. She pays 50%. So your portion is 4,673, but that is then taxed at your marginal tax rate, which including medical levy is 39. So the total net tax payable will be about 1,822, if that makes sense. Mhmm.","start_word":1202,"end_word":1246,"intents":[{"intent":"Educate on tax arrangements","confidence_score":0.000245959}]},{"text":"Now the recommendation is pretty straightforward. We are only just completely separate, just talking about the investments for the kids. That is it.","start_word":1762,"end_word":1784,"intents":[{"intent":"Recommend investment bond recommendation","confidence_score":0.009524438}]},{"text":"In the appendix, I have included the $10 for you so that you can see the difference and then kind of work out whatever you feel is going to be the best for you cash flow wise and stuff like that. Yep.","start_word":2104,"end_word":2145,"intents":[{"intent":"Explain application process","confidence_score":0.0098663205}]},{"text":"So when we set up the application, you have to let us know at what age you want it to go through the kids. We have Mhmm.","start_word":2172,"end_word":2198,"intents":[{"intent":"Nominate beneficiary age","confidence_score":0.00044605185},{"intent":"Set up application","confidence_score":0.82171035},{"intent":"Verify application age","confidence_score":0.00090622413}]},{"text":"Others feels well or 18. Are they really going to be financially Yeah.","start_word":2377,"end_word":2389,"intents":[{"intent":"Inquire about financial status","confidence_score":0.0032635154}]},{"text":"I got a Like seven year old and a five year old. exactly. You could do when, let's say, Abigail turns 20 and, when William Yeah.","start_word":2455,"end_word":2480,"intents":[{"intent":"Schedule child's birthday","confidence_score":0.00002237252}]},{"text":"Now with the actual recommendation, you can see that the Generation Life investment bond is actually cheaper than the current IDPS structure with hub twenty four as well. So it's saving in fees alone at about $1,017 per investment bond. So, obviously, times that by two to get the total fee, for each Yep. bond.","start_word":3139,"end_word":3193,"intents":[{"intent":"Evaluate genlife investment bond options","confidence_score":0.00011424488}]},{"text":"So it's not only making it cheaper, obviously, provides that protection for your kids, but it is making it a lot cheaper as well, which is great.","start_word":3195,"end_word":3221,"intents":[{"intent":"Providing protection","confidence_score":0.01700696}]},{"text":"So it's not only making it cheaper, obviously, provides that protection for your kids, but it is making it a lot cheaper as well, which is great. So, obviously, less fee coming out means more money for your kids at the end of the day.","start_word":3195,"end_word":3239,"intents":[{"intent":"Providing information about pricing","confidence_score":0.000038888684}]},{"text":"So it's not only making it cheaper, obviously, provides that protection for your kids, but it is making it a lot cheaper as well, which is great. So, obviously, less fee coming out means more money for your kids at the end of the day. Yep.","start_word":3195,"end_word":3240,"intents":[{"intent":"Explaining investment options","confidence_score":0.0004232644}]},{"text":"So, obviously, less fee coming out means more money for your kids at the end of the day. Yep. Perfect.","start_word":3221,"end_word":3240,"intents":[{"intent":"Explaining fee amount","confidence_score":0.000010957289}]},{"text":"You you also when we are comparing a performance, so performance point of view, your current investment portfolio in Hub twenty four has performed at about 9.42%. The recommended portfolio with Generation Life, and this is after tax rates as well. So after all tax, which is great, has performed at 11.07%. So, again, not only being cheaper, it has performed better than the construction in Hub 24. Yep.","start_word":3241,"end_word":3309,"intents":[{"intent":"Comparing portfolio performance","confidence_score":0.086445354},{"intent":"Comparing performance","confidence_score":0.36978605}]},{"text":"Now I have projected forward ten years for you to kind show you that if you were to just leave it or, let's say, set up another investment with hub twenty four, for example, in both the kid's name Mhmm. versus the investment bond, over a ten year time frame, it is estimated to be a difference of about 87,000, which is pretty crazy.","start_word":3313,"end_word":3376,"intents":[{"intent":"Setting up investment","confidence_score":0.0002087497}]},{"text":"the fee which is great. Now the fee structure for you is a little bit different, so I do wanna kind of outline that. It works out more favorable because it's investments for the kids. So with the current structure, so the current IDPS, we do charge a 1.1% ongoing management fee from the IDPS. With the investment bond, we will not charge an ongoing advice fee, which is great.","start_word":3479,"end_word":3548,"intents":[{"intent":"Informing about fee structure","confidence_score":0.0007799939}]},{"text":"Now the fee structure for you is a little bit different, so I do wanna kind of outline that. It works out more favorable because it's investments for the kids. So with the current structure, so the current IDPS, we do charge a 1.1% ongoing management fee from the IDPS. With the investment bond, we will not charge an ongoing advice fee, which is great.","start_word":3484,"end_word":3548,"intents":[{"intent":"Explaining fee structure","confidence_score":0.25777203}]},{"text":"it will save you about $981 based on the current balance for each investment bond because we will not charge an ongoing management fee for them. Now there is a upfront fee just to kind of get, obviously, all the administration and application and everything up and running. Uh-huh.","start_word":3553,"end_word":3601,"intents":[{"intent":"Discuss investment policy","confidence_score":0.000079613244}]},{"text":"Performance have been really good. Obviously, it is a managed fund, so they can see a bit of fluctuations in the short term. That is, like, the nature of it. But, obviously, we have the time frame behind us to to take advantage of those ups and downs in order to grow it as much as possible while still keeping things very diversified. Yes.","start_word":3970,"end_word":4033,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.0072436915}]},{"text":"So the portfolio that we are just kinda went through with you, so based on their projections, the effective tax rate quoted is likely to be more around 4.95% within the bond.","start_word":4292,"end_word":4323,"intents":[{"intent":"Describe portfolio features","confidence_score":0.0005735638}]},{"text":"the best is to just put it in, reset the time frame because it's still within the the age, or whether it is sometimes what we do for clients, if that happens, is just to set up a separate bond, which then Yep. means that, let's say, you have 20,000 or something you wanna set up separately, one bond will obviously mature before the other.","start_word":4805,"end_word":4869,"intents":[{"intent":"Set up separate bond","confidence_score":0.7111085}]},{"text":"Now what we will do as well is that with the investment bond, Yep. how Mhmm. how it works is that anything as an initial deposit over 50,000 will trigger stamp duty.","start_word":4920,"end_word":4951,"intents":[{"intent":"Set up investment bond","confidence_score":0.12811686}]},{"text":"how it works is that anything as an initial deposit over 50,000 will trigger stamp duty.","start_word":4936,"end_word":4951,"intents":[{"intent":"Clarify deposit options","confidence_score":0.000048503738}]},{"text":"how it works is that anything as an initial deposit over 50,000 will trigger stamp duty. Yep.","start_word":4936,"end_word":4952,"intents":[{"intent":"Apply stamp duty","confidence_score":0.013573062}]},{"text":"So I'll make sure as well, obviously, if both you and Hailey are happy with that, that that's exactly how we set up the implementation is we do not want you to have to pay the stamps duty. We want them to pay for it, but still having the money in there for you. So it would just be like a a deposit the following day to get that money in without you having to pay for that stamp duty.","start_word":5039,"end_word":5118,"intents":[{"intent":"Set up implementation","confidence_score":0.70719165}]},{"text":"Now, basically, everything I've touched on, it is highlighted.","start_word":5121,"end_word":5129,"intents":[{"intent":"Conclude conversation","confidence_score":0.0005460979}]},{"text":"It kind of outlines all the advantages in regards to what I've just kind of discussed. So, obviously, from a tax point of view, from a security point of view for the kids, also benefit for you is that it obviously doesn't get added to the taxable income or any capital gains tax paid either by you or the kids when they take it after that ten year, which is great.","start_word":5221,"end_word":5291,"intents":[{"intent":"Explain benefits of stamp duty","confidence_score":0.042230487},{"intent":"Highlight benefits of yep","confidence_score":0.19925785}]},{"text":"So, obviously, from a tax point of view, from a security point of view for the kids, also benefit for you is that it obviously doesn't get added to the taxable income or any capital gains tax paid either by you or the kids when they take it after that ten year, which is great.","start_word":5237,"end_word":5291,"intents":[{"intent":"Discuss tax benefits","confidence_score":0.08748214}]},{"text":"I've mentioned there's a lot of different alternatives we consider. So just not doing an investment bond, doing other personal investment accounts, but in the kid's name, financial lien tax just wasn't as effective.","start_word":5327,"end_word":5360,"intents":[{"intent":"Explore alternative alternatives for tax purposes","confidence_score":0.0000021045175}]},{"text":"I've touched on as well, obviously, the fee structure, that implementation fee, but discounted and split across the two bonds, and no ongoing advice fee, which is great. So overall makes it a lot cheaper. And that is essentially everything.","start_word":5408,"end_word":5447,"intents":[{"intent":"Educate on fee structure and fee structure","confidence_score":0.000048947877}]},{"text":"Life Fund is you can nominate a sim similar to, like, how your superannuation. It can bypass kind of the estate planning, and you Mhmm. can put a straight nomination on the account of someone that you want to manage it for you until it gets transferred to your kids.","start_word":5778,"end_word":5827,"intents":[{"intent":"Nominate sim","confidence_score":0.065576956}]},{"text":"You've only been making these contributions. Don't forget about the 01/25.","start_word":6102,"end_word":6112,"intents":[{"intent":"Make contributions","confidence_score":0.78333706}]},{"text":"to do a reminder, we can do that. If you don't want it and you just wanna have it set and forget, we can do that Yeah.","start_word":6263,"end_word":6289,"intents":[{"intent":"Advise on reminder","confidence_score":0.0031828093}]},{"text":"I'll read through I've I've pulled over and had a squeeze through the statement of advice with you, but I'll I'll have a Yep. good look at that tonight, Yes. read through it.","start_word":6314,"end_word":6346,"intents":[{"intent":"Read statement","confidence_score":0.16817537}]},{"text":"And then all I've gotta do from that is sign the DocuSign that you've just sent through Correct. as well.","start_word":6351,"end_word":6370,"intents":[{"intent":"Sign docusign","confidence_score":0.07954365}]},{"text":"then that'll If start the process. yes.","start_word":6375,"end_word":6381,"intents":[{"intent":"Start the process","confidence_score":0.04194841}]},{"text":"In the meantime, I will send you that email just to check if we can change the age at a later date if you want to.","start_word":6458,"end_word":6483,"intents":[{"intent":"Change appointment","confidence_score":0.0041521345}]}]},"sentiments":{"segments":[{"text":"Hello. Ben speaking. Good afternoon, Ben. This is Veronica from AQ Financial. How are you?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.2208985835313797},{"text":"Good day.","start_word":15,"end_word":16,"sentiment":"positive","sentiment_score":0.34079742431640625},{"text":"How are you?","start_word":17,"end_word":19,"sentiment":"neutral","sentiment_score":0.2363260388374329},{"text":"Good. Thanks. I had you booked in to go over the statement of advice with your recommendation. Is now still a good time for you?","start_word":20,"end_word":44,"sentiment":"positive","sentiment_score":0.426640897989273},{"text":"Yeah. That's fine. Yeah? Okay.","start_word":45,"end_word":49,"sentiment":"neutral","sentiment_score":0.1928536891937256},{"text":"Perfect.","start_word":50,"end_word":50,"sentiment":"positive","sentiment_score":0.3846881985664368},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just to confirm I'm speaking with the right person for security purposes, could I please get you to confirm your full name, date of birth, and address, please? Yep. Benjamin James Clee. 281 Church Lane, Casa Ray. 25th Yep. to the twelfth nineteen ninety one.","start_word":51,"end_word":127,"sentiment":"neutral","sentiment_score":0.07292421907186508},{"text":"Beautiful.","start_word":128,"end_word":128,"sentiment":"positive","sentiment_score":0.4447196424007416},{"text":"And how's your morning or day been so far? Yeah. Not too bad.","start_word":129,"end_word":141,"sentiment":"neutral","sentiment_score":0.21452133357524872},{"text":"Thank you.","start_word":142,"end_word":143,"sentiment":"positive","sentiment_score":0.361297607421875},{"text":"And yours? Yeah.","start_word":144,"end_word":146,"sentiment":"neutral","sentiment_score":0.1906144618988037},{"text":"Good. Good. Good. Which is nice.","start_word":147,"end_word":152,"sentiment":"positive","sentiment_score":0.46361756324768066},{"text":"Now, Ben, do you have access to your emails at the moment, or are you kind of on on the go? I'm on the drive at the moment, but I did quickly see what you sent through. Okay. Yep. So if you are happy for me to do so, I will kind of go over the main points. We've already touched on a lot of it, so it should be fairly straightforward, but I'll kind of just cover the recommendation and what it looks like. Mhmm. And then when you have time, obviously, later, you can always just have a read through the document. And if you then have any questions, you can always give me a callback. Would that be okay? Yeah. That's fine. Yeah. Okay. Perfect. So if you did see, I sent you two emails. Mhmm. The reason being is that the o design, so, like, the electronic signature one, so similar to kind of, like, the under review setup where we Yep. ask you to sign the document, that is for both you and Hailey as, obviously, Mhmm. you both have to agree through the recommendation. So that is for both of you. Now Yep.","start_word":153,"end_word":351,"sentiment":"neutral","sentiment_score":0.11460567849814592},{"text":"Hailey's adviser will also do the same kind of recommendation as I'm going through with you today with her, and then Mhmm. there's both of your signatures on it to make sure, obviously, it's all clear, you're both happy, and we can move forward.","start_word":352,"end_word":395,"sentiment":"positive","sentiment_score":0.44453856348991394},{"text":"Yep. In the separate email, the reason I didn't attach it is because you have individual appendices, and that is just some personal information in regards to you, which I'd obviously not to be shared, and also Yep. how the tax will be specifically tailored for you. So that is the reason why it's kind of separate if that makes sense. Yep. That's fine. Yep.","start_word":396,"end_word":460,"sentiment":"neutral","sentiment_score":0.005946822930127382},{"text":"Okay. Beautiful.","start_word":461,"end_word":462,"sentiment":"positive","sentiment_score":0.6024996042251587},{"text":"So with the actual recommendation, so when you do have it, click through the documents. Mhmm. On the link, you will see that it has been prepared, and I've worked closely with Hailey's adviser, Tommy. So I've kind of made, obviously, recommendation and stuff based on what we've discussed. He's obviously Yep. spoken to Hailey, and then together kind of done a recommendation that we believe Mhmm.","start_word":463,"end_word":529,"sentiment":"neutral","sentiment_score":0.25124484300613403},{"text":"are the best for both of you with the situation and everything outlined in the consent order for your kids at the end of the day.","start_word":530,"end_word":555,"sentiment":"positive","sentiment_score":0.39933255314826965},{"text":"Right. So yes. Any questions? Yeah. I'm just seeing obviously, I I've sent what you sent to me to my lawyer. I'm just waiting for her to come back and confirm if that's Mhmm. how it is. Yep.","start_word":556,"end_word":593,"sentiment":"neutral","sentiment_score":0.03539431467652321},{"text":"But I don't really understand why Hailey even gets a real stay because the consent orders that's all.","start_word":594,"end_word":611,"sentiment":"negative","sentiment_score":-0.35820281505584717},{"text":"Yes.","start_word":612,"end_word":612,"sentiment":"neutral","sentiment_score":-0.16036666929721832},{"text":"So with the consent order, it's not super clear.","start_word":613,"end_word":621,"sentiment":"negative","sentiment_score":-0.3388613760471344},{"text":"So the way that the consent order reads is that, obviously, the investment is to remain in both of your names, be liquidated, and then transferred over to investments on behalf of, obviously, your children, and you will Yep. then manage everything for you. Because it Yep. is being liquidated and transferred out of both of your names and currently sits in both of your names, she will have to sign off on the fact that she agrees through the money being transferred out Mhmm. because of the consent order. So that is the only reason why she obviously has to be in the recommendation, and then that signing that one, if it was worded and Okay. structured that the investment is to be transferred over to you and then you have full say in how that money is then being transferred in through to send it directly with you. But because the consent order specifically shares says that the asset does not form palm of the matrimonial property pool available for division between the parties, that's why we have to do it this way. You Mhmm. still Okay. have full control of the investment. It is just Yep. for her to agree because because it can't be split before, there's obviously a capital gains tax consequence to both of you as it will be liquidated Yes. that way. And because, Yeah. obviously, that affects her as well, that's why she has to be involved. But once we set up the account so if she obviously agrees and signs the SOA, that's it. You have then full control of what you want, and we don't have to involve her at all. So in terms of, like, the questions I asked you with age, estate planning, that is just for Okay. you. Because you can ultimately kind of decide the age of what you want, and Mhmm. you can change investments and do everything just you, like, just us. It doesn't have to go Yep. through her. It is just to get Yep. the money out and transferred over, if that makes sense. Yep. So all all Yep. she's involved in is signing to say, yep. She agrees. With this exactly. Yep. That she agrees for the IDPS to be split and transferred over through investment bonds for, obviously, Abigail and William. This is Mhmm. the recommendation we have made in terms of how the money is invested and everything for that.","start_word":622,"end_word":1032,"sentiment":"neutral","sentiment_score":0.06767970504841955},{"text":"And if she's happy, agrees, then we can move forward with the implementation just Okay.","start_word":1033,"end_word":1047,"sentiment":"positive","sentiment_score":0.37843558192253113},{"text":"yeah. Does that make sense? Like Yep. Yep. yeah. That Okay. makes sense. Now with the capital gains tax, I'll probably start there first. I'm not sure if you did see the other email. So that is basically outlined in the appendix. Now because, Yes. obviously, the the funds are being, obviously, just for the purpose of your children, Mhmm. because of the capital gains tax event, it obviously they will be split equally between you and Hailey, and then you Mhmm. just pay your portion, and that's it. So I have included Yep. that in the appendix. And just for your reference, roughly how much it will be. So when you have a moment later in the appendix, it shows the current value of the IDPS, which is a 172,761. The net gain is 9,347. That's a lot of numbers, so it's all in there for you to have Yeah. a look Yeah. at later. You only pay 50%. She pays 50%. So your portion is 4,673, but that is then taxed at your marginal tax rate, which including medical levy is 39. So the total net tax payable will be about 1,822, if that makes sense. Mhmm. Yep. Yep.","start_word":1048,"end_word":1248,"sentiment":"neutral","sentiment_score":0.07692551612854004},{"text":"Perfect.","start_word":1249,"end_word":1249,"sentiment":"positive","sentiment_score":0.5224332213401794},{"text":"So that has not come out of the money for the kids. That's just separately, and then you guys can pay that completely separately. Yep. Yep.","start_word":1250,"end_word":1275,"sentiment":"neutral","sentiment_score":0.11368541419506072},{"text":"Beautiful.","start_word":1276,"end_word":1276,"sentiment":"positive","sentiment_score":0.6262248158454895},{"text":"Now with the recommendation, you will see that it has been prepared, obviously, for both of you. You will see my details listed as well as Hailey's advice's details from a compliance point on the cover page. Now Mhmm. just as per usual, we always have to follow that best interest duty, which is that we have to or I have to always act in your best interest at your at all times because you are my clients, Mhmm. and make sure that the advice puts you in a better position as a result of the advice. Otherwise, I can't actually make the recommendation. And, obviously, Hailey's advisers are bound by the same legalities, but just looking after her. So kind of completely Yep. separate. Yep. Yep. Now when it comes through, I haven't put this in the document because I didn't want it to be shared with Hailey, and it's just for you when it comes to your concerns with the child support payments. So I'll Yep. just kind of talk to you about it because I didn't put a wanted to put that Yeah. in writing. That is yep.","start_word":1277,"end_word":1467,"sentiment":"neutral","sentiment_score":0.048122617584307},{"text":"Thank you.","start_word":1468,"end_word":1469,"sentiment":"positive","sentiment_score":0.4536513686180115},{"text":"Sorry.","start_word":1470,"end_word":1470,"sentiment":"neutral","sentiment_score":0.13898426294326782},{"text":"I did obviously look into it, and and the good news is that this should actually turns out more favorable for you because Okay.","start_word":1471,"end_word":1494,"sentiment":"positive","sentiment_score":0.44911524653434753},{"text":"the child support payment are only income tested. It's not asset tested. It's income tested. So with the IDPS structure that it currently works, obviously, it's held in your personal name and Hailey's personal name. Any dividends of income that you receive from the IDPS gets added to your taxable income, which then impacts how much child support payments you have to pay because it's part of your assessable income. Now with the investment bond, it will not impact anything. So because it is locked into an investment bond, and if you keep it for that ten year time frame and then sell it or transfer it to the kids, then it does not form part of your income. Mhmm. So it doesn't, after ten years, get added to your taxable income at all. Because it doesn't get added to your taxable income, it is not something that you will then pay child support on. So if Okay. this grows That's good. a lot, which, obviously we we want, it doesn't Yep. matter. As long as you don't take it out before the ten year period, it doesn't get added to your taxable income. So if anything, it should put it in a better position for you from a child support payment because before, or the way things are currently structured, you get added dividends to your taxable income. The investment bond does not. Okay. Yep. Perfect. Sorry. I didn't put that in the document, obviously, because I just wanted to tell you that. Yeah. No.","start_word":1495,"end_word":1750,"sentiment":"neutral","sentiment_score":0.04397043865174055},{"text":"Thank you. Thank you for that.","start_word":1751,"end_word":1756,"sentiment":"positive","sentiment_score":0.5139203667640686},{"text":"No.","start_word":1757,"end_word":1757,"sentiment":"neutral","sentiment_score":0.09104973077774048},{"text":"That is all good. Now the recommendation is pretty straightforward.","start_word":1758,"end_word":1767,"sentiment":"positive","sentiment_score":0.38721784949302673},{"text":"We are only just completely separate, just talking about the investments for the kids. That is it. That is the only thing we're looking at. Yep. So what the actual recommendation is is outlined when you have a moment later.","start_word":1768,"end_word":1807,"sentiment":"neutral","sentiment_score":0.16590425372123718},{"text":"So, basically, it summarizes everything on page eight, and it's all in writing as well as the summarizes everything on page eight, and it's all in writing as well, and we're trying to mimic as close as possible to the consent order so that everything matches as well, which is great, which is that we have recommended that you sell your personal investments with hub twenty four, use the proceeds to then establish and invest in a investment bond with Generation Life.","start_word":1808,"end_word":1889,"sentiment":"positive","sentiment_score":0.3347182869911194},{"text":"So the product is Generation Life. Now there is a lot of different investment bonds available out there that we've looked at.","start_word":1890,"end_word":1911,"sentiment":"neutral","sentiment_score":0.21850429475307465},{"text":"Generation Life and Australian Unity are kind of, like, the biggest and most competitive ones. Generation Life are a little bit more tax effective.","start_word":1912,"end_word":1935,"sentiment":"positive","sentiment_score":0.35030779242515564},{"text":"They have a lot more investment choices available and gives you more flexibility with the amount of contributions and stuff that you want to do or how you want to structure it, then Australian Unity. So I have recommended Generation Life, that's the product, with the investment bond. Now what we have recommended is obviously selling the IDPS completely and transferring all the balance over through the investment bond. It's two separate bonds, one for each of your children split equally. So 5050% are distributed to them each. I've also put in the document that you will be solely independently managing each of the accounts then held in that trust for the child with the investment bond. So that is in wording in this document as well Yep. to make it super clear. Now I have also included kind of two contribution options for you. The first one, which is is in the recommendation, is looking at that $20 per week per child into the investment bond. In the appendix, I have included the $10 for you so that you can see the difference and then kind of work out whatever you feel is going to be the best for you cash flow wise and stuff like that. Yep.","start_word":1936,"end_word":2144,"sentiment":"neutral","sentiment_score":0.2300907695692692},{"text":"Yep. Perfect.","start_word":2145,"end_word":2146,"sentiment":"positive","sentiment_score":0.55686354637146},{"text":"Now we've also put just a transfer date must be nominated for the funds to be transferred through the beneficial owners, which is each child. So when we set up the application, you have to let us know at what age you want it to go through the kids. We have Mhmm. recommended a minimum of ten years. Yep. It can be anywhere up until they turn 25. So do you know at this point at what age you would like it to go? Would you want, like, 18, 20, 21, 25? Do you know? Can can it be 25, but you can change it later, or is it set in stone? I would have to triple check because sometimes at application stage, which obviously Yep. wouldn't happen today, that will be when you both obviously sign the documents. We have the funds, and we will set up the application. So it still gives you a little bit of time to think about. Sometimes when you set the kind of vesting date, it stays in place. I will triple check that for you, though, and I can put it in an email, And then you can even respond to that email when you've had a bit of a time to think about it on if you wanted to be 25. Because some people say, yeah. Cool.","start_word":2147,"end_word":2372,"sentiment":"neutral","sentiment_score":0.09376196563243866},{"text":"18. Happy with it.","start_word":2373,"end_word":2376,"sentiment":"positive","sentiment_score":0.379605770111084},{"text":"Others feels well or 18. Are they really going to be financially Yeah. able to look after that amount of money, Yeah. and Exactly. maybe you want it a little bit a little bit later? So the choice is yours. We do or I do recommend a minimum of ten years, though, to get kind of the tax Yep. advantage. Yeah. Yeah. So I And will can you do can you do two different ages? Because, obviously, yes. I got a Like seven year old and a five year old. exactly. You could do when, let's say, Abigail turns 20 and, when William Yeah. turns 18, if that's what you wanted, because it's two separate ones. So you Yep. can choose or whether you wanted 18 for both of them, then, obviously, one's going to receive it before the other because there is that age difference. Yeah. You Yep. can you can decide. Okay. But if Yep. you're able to double check if it can be Yes.","start_word":2377,"end_word":2543,"sentiment":"neutral","sentiment_score":0.10261496705209423},{"text":"amended, that'd be fantastic.","start_word":2544,"end_word":2547,"sentiment":"positive","sentiment_score":0.6588833332061768},{"text":"Yep. I will go and Yep. triple check that for you. I have a feeling you can't, but I will Yep. triple check for you Okay. That's and alright. put Hello. that in the Yeah. email. And I'll I'll I'll think about a good age anyway. But if you if you're Yeah. able to triple check, that'd Yes.","start_word":2548,"end_word":2605,"sentiment":"neutral","sentiment_score":0.11042151600122452},{"text":"be great. Now the good thing with the investment bond as well is even though so they are obviously child investment bonds set up specifically for the kids, at the time of vesting so let's say whether that is 25 or 20 or 18, whatever you decide, they still have the option of continuing it as a kind of a adult investment bond or whether sell it completely. So it gives Yep. that kind of flexibility without setting the ten year time frame.","start_word":2606,"end_word":2688,"sentiment":"positive","sentiment_score":0.40757179260253906},{"text":"So even, let's say, Mhmm.","start_word":2689,"end_word":2693,"sentiment":"neutral","sentiment_score":0.29683369398117065},{"text":"when they turn 18, if they go, oh, this is a pretty good investment, and I've already met that ten year time frame. So anything continuing on, I can stay for another year, another six months.","start_word":2694,"end_word":2729,"sentiment":"positive","sentiment_score":0.48964956402778625},{"text":"I don't have to pay any capital gains tax or Mhmm. reset the time frame. They can continue on the bond. It can convert to a adult investment Okay. bond for each of them if they choose to do that.","start_word":2730,"end_word":2769,"sentiment":"neutral","sentiment_score":0.22058053314685824},{"text":"So they can then draw, like, draw an income stream from it or just sell everything and completely take it all the cash. It can then kind of be it gives us a lot of flexibility on depending on what's relevant at the time. So it is a really good way where if you do wanna be the bit of an income stream or whether it is private school or university fees or a car or a house deposit or whatever it might be, it gives Mhmm. the flexibility of choosing, which you don't have to choose Yep. now.","start_word":2770,"end_word":2868,"sentiment":"positive","sentiment_score":0.5077922211752998},{"text":"It could just be if nothing if it's not sold down before vesting date, it automatically changes through a adult investment bond, but Yep. you can still cancel it whenever you want to after that. Does that make sense? Yeah. That makes sense. Yep. Okay.","start_word":2869,"end_word":2913,"sentiment":"neutral","sentiment_score":0.18225201964378357},{"text":"Perfect.","start_word":2914,"end_word":2914,"sentiment":"positive","sentiment_score":0.513674795627594},{"text":"Now when it comes to the actual growth so how the money is invested, when we spoke last, we kind of agree that that growth profile is suitable.","start_word":2915,"end_word":2942,"sentiment":"neutral","sentiment_score":0.29030629992485046},{"text":"You have kind of the time frame to take advantage of that growth portfolio.","start_word":2943,"end_word":2956,"sentiment":"positive","sentiment_score":0.3773934245109558},{"text":"You do have that more than six to seven years, which is usually what we are kind of looking at for that growth profile without going into, like, your high risk investments, because it is for your children. Uh-huh. Yep.","start_word":2957,"end_word":2996,"sentiment":"neutral","sentiment_score":0.2666299641132355},{"text":"Perfect. Now with the actual investment bond with GenLife, I have done a comparison for you so you can actually see Yep. how it's putting it in a better position than the way things are currently set up. So not even factoring in that, obviously, we want to sell out from, obviously, a complexity point of view and have it directly to your kids, that this type of investment is actually growing the funds a lot quicker and better than the current setup as well.","start_word":2997,"end_word":3081,"sentiment":"positive","sentiment_score":0.45855212211608887},{"text":"So that is summarized on page fifteen and sixteen. It's two identical because it's $50.50 for both your kids, but it's just Mhmm. showing the situation of Abigail and then showing it for William. It is exactly Yep. the same, though. It is just showing that half the funds goes to Abigail and half to William. Okay.","start_word":3082,"end_word":3138,"sentiment":"neutral","sentiment_score":0.1990830898284912},{"text":"Now with the actual recommendation, you can see that the Generation Life investment bond is actually cheaper than the current IDPS structure with hub twenty four as well. So it's saving in fees alone at about $1,017 per investment bond.","start_word":3139,"end_word":3178,"sentiment":"positive","sentiment_score":0.43881258368492126},{"text":"So, obviously, times that by two to get the total fee, for each Yep. bond.","start_word":3179,"end_word":3193,"sentiment":"neutral","sentiment_score":0.24707399308681488},{"text":"So it's not only making it cheaper, obviously, provides that protection for your kids, but it is making it a lot cheaper as well, which is great. So, obviously, less fee coming out means more money for your kids at the end of the day. Yep. Perfect.","start_word":3194,"end_word":3240,"sentiment":"positive","sentiment_score":0.6823917627334595},{"text":"You you also when we are comparing a performance, so performance point of view, your current investment portfolio in Hub twenty four has performed at about 9.42%. The recommended portfolio with Generation Life, and this is after tax rates as well.","start_word":3241,"end_word":3281,"sentiment":"neutral","sentiment_score":0.24103686213493347},{"text":"So after all tax, which is great, has performed at 11.07%.","start_word":3282,"end_word":3292,"sentiment":"positive","sentiment_score":0.3806089460849762},{"text":"So, again, not only being cheaper, it has performed better than the construction in Hub 24. Yep. Mhmm.","start_word":3293,"end_word":3310,"sentiment":"neutral","sentiment_score":0.28039392828941345},{"text":"That's good.","start_word":3311,"end_word":3312,"sentiment":"positive","sentiment_score":0.5298433899879456},{"text":"Now I have projected forward ten years for you to kind show you that if you were to just leave it or, let's say, set up another investment with hub twenty four, for example, in both the kid's name Mhmm. versus the investment bond, over a ten year time frame, it is estimated to be a difference of about 87,000, which is pretty crazy. Well, And yep. and that is not only factoring in that when you if you were to keep it in the current structure or split it and say set up two separate ones for the kids, at the end of that ten year time frame or five years, whenever you were to sell it, you would have to pay capital gains tax on that balance. You did not Mhmm. have to do that with Generation Life as long as we keep it for the ten year time frame. Yep. So, Okay.","start_word":3313,"end_word":3467,"sentiment":"neutral","sentiment_score":0.009701455011963844},{"text":"obviously, a bigger growth difference, which is fantastic.","start_word":3468,"end_word":3475,"sentiment":"positive","sentiment_score":0.37489578127861023},{"text":"Mhmm.","start_word":3476,"end_word":3476,"sentiment":"neutral","sentiment_score":0.16210344433784485},{"text":"Now Massive. the fee which is great.","start_word":3477,"end_word":3483,"sentiment":"positive","sentiment_score":0.3791719377040863},{"text":"Now the fee structure for you is a little bit different, so I do wanna kind of outline that.","start_word":3484,"end_word":3502,"sentiment":"neutral","sentiment_score":0.16504476964473724},{"text":"It works out more favorable because it's investments for the kids.","start_word":3503,"end_word":3513,"sentiment":"positive","sentiment_score":0.37037912011146545},{"text":"So with the current structure, so the current IDPS, we do charge a 1.1% ongoing management fee from the IDPS. With the investment bond, we will not charge an ongoing advice fee, which is great. So, overall, Mhmm. it will save you about $981 based on the current balance for each investment bond because we will not charge an ongoing management fee for them. Now there is a upfront fee just to kind of get, obviously, all the administration and application and everything up and running. Uh-huh. That is typically $7.50 for each investment that we set up. So each investment bond or each personal investment, it's a flat fee for $7.50. I have got approval to split that fee into two. So both bonds together is $7.50, but it's only $3.75 from each bond. So making it a Okay.","start_word":3514,"end_word":3653,"sentiment":"neutral","sentiment_score":0.1782198201332773},{"text":"little bit cheaper for you.","start_word":3654,"end_word":3658,"sentiment":"positive","sentiment_score":0.3464309573173523},{"text":"Does that make sense? Yeah. Yeah. That makes sense. Yep.","start_word":3659,"end_word":3668,"sentiment":"neutral","sentiment_score":0.21653856337070465},{"text":"Perfect.","start_word":3669,"end_word":3669,"sentiment":"positive","sentiment_score":0.4920181632041931},{"text":"But, obviously, the setup fee for each bond at $3.75 versus the ongoing management fee currently at $9.81, obviously, massive difference. So, again, it Yeah.","start_word":3670,"end_word":3694,"sentiment":"neutral","sentiment_score":0.2076911628246307},{"text":"makes it more affordable because it's specifically investing for your children with this generation Mhmm.","start_word":3695,"end_word":3709,"sentiment":"positive","sentiment_score":0.4080689549446106},{"text":"of life bonds. Yep. Any questions so far? No. No. No? Okay. Perfect. Now what the actual portfolio investment looks like is outlined on page 17 when you have a moment. So, again, we do want to keep things diversified for you, and we do want to align with the risk profile. We've also tried to select the most tax effective investment option. So with Generation Life, they have kind of three different categories on different investments to be tax effective.","start_word":3710,"end_word":3790,"sentiment":"neutral","sentiment_score":0.17342925071716309},{"text":"So what I try to do is what can give you the highest returns, less fees, and the most tax effective option while still making sure that we align with that eighty twenty allocation to assets.","start_word":3791,"end_word":3826,"sentiment":"positive","sentiment_score":0.3647517263889313},{"text":"So what that looks like from an investment point of view is investing 40% in through one investment that's called the generation life tax effective Australian share funds.","start_word":3827,"end_word":3854,"sentiment":"neutral","sentiment_score":0.25770384073257446},{"text":"So it's like a managed fund managed by generation life focusing on Australian investment, and it has been set up specifically to be as tax effective as possible. So that one has done really well. It's very diversified for you.","start_word":3855,"end_word":3894,"sentiment":"positive","sentiment_score":0.41750627756118774},{"text":"We then wanna Yeah. make sure we do give you the global exposure. Obviously, you don't want everything in Australia. We wanna give you the global exposure. So to get you the international equity side of it, again, a managed fund, 40% is Hyperion Global Growth Companies. I'm not sure if you've heard of them. They're they're quite big. No. I haven't heard of No. them. No.","start_word":3895,"end_word":3961,"sentiment":"neutral","sentiment_score":0.04612782275053992},{"text":"They are massive. They've won heaps of awards. Performance have been really good.","start_word":3962,"end_word":3974,"sentiment":"positive","sentiment_score":0.5525239706039429},{"text":"Obviously, it is a managed fund, so they can see a bit of fluctuations in the short term. That is, like, the nature of it. But, obviously, we have the time frame behind us to to take advantage of those ups and downs in order to grow it as much as possible while still keeping things very diversified. Yes. Now we then don't want everything in your equity, so we wanna make sure we give you the defensive component for the kids at 20%, which is then invested 20% into Vanguard conservative portfolio. So this is a portfolio run by Vanguard, which you may have heard of. They're quite big as well. Mhmm. Yeah. I've heard the name. Yeah. So they have obviously different portfolios, and this one is their kind of really conservative to give you the Australian fixed interest, international fixed interest to limit fluctuations because we don't want everything in equity. So it gives Uh-huh. you kind of a good overall asset allocation where you do have about 40% in Australian investment, 40% across the globe, and then 20% spread across international interest, Australian fixed interest, and cash as well to give a good Yeah. kind of balance in regards to the portfolio. Uh-huh. Now the really good thing with the portfolio as well is how it actually impacts things from a tax point of view. So with the the tax, so, obviously, with the current in IDPS structure, obviously, anything that you earn, the dividends and stuff like that that you earn will be taxed at your marginal tax rate, which is obviously 39% for you. Within the investment bonds, because it's kind of like a a tax vehicle for investing as well, the maximum tax rate within any bond is 30%. But we obviously wanna minimize that as much as possible and do investments that is as tax effective as possible. So the portfolio that we are just kinda went through with you, so based on their projections, the effective tax rate quoted is likely to be more around 4.95% within the bond. So, obviously, a massive difference. Uh-huh. Yep.","start_word":3975,"end_word":4329,"sentiment":"neutral","sentiment_score":0.14763842581863135},{"text":"Yep. So that's really good.","start_word":4330,"end_word":4334,"sentiment":"positive","sentiment_score":0.6575040817260742},{"text":"Now the one thing I do kind of want to mention, which I've touched on briefly with you before, is the the kind of a 125% rule of contribution. So that is something Yeah. kind of the the downside, I guess, or to be mindful of, which Yep. is that 125%. Now the good thing is that the first twelve months, there's no rules. So you can Yes.","start_word":4335,"end_word":4402,"sentiment":"neutral","sentiment_score":0.07507258653640747},{"text":"do as much as much as you want without triggering anything.","start_word":4403,"end_word":4413,"sentiment":"positive","sentiment_score":0.3729880154132843},{"text":"The only thing is if you decide to only do $10 over the whole course of the year, the following Mhmm. Yep. year, you can only do a 125% of what you've done this year. But Right. it's at the end of the year. So you gives you Yeah. time throughout the year. So if, let's say, we do the regular savings, which is good because that means you obviously do dollar cost averaging into the bond.","start_word":4414,"end_word":4490,"sentiment":"neutral","sentiment_score":0.14861109852790833},{"text":"You take advantage of ups and downs in the market, which is great.","start_word":4491,"end_word":4503,"sentiment":"positive","sentiment_score":0.3611212968826294},{"text":"If that structure doesn't work for you or something unexpected comes up and you need to stop it, we can do that. Just let us know, and we can we can put Mhmm. a pause on it. And then if something changes and at the end of the financial year, you you get a little bit more and you go, oh, okay. I wanna put a little bit more in because you weren't Yep. able to do it for a period, we can do that. Okay. So we can obviously work with you to give you the flexibility. Generation Mhmm. life is good as well. So if you do accidentally do go over the 125% rule, so if you don't tell us and you go, yeah. Cool. I'm just gonna check this in. I'm not sure. Generation Mhmm. Life will give us a little heads up to say, hey. This person has exceeded the rules. Do you want to proceed with that, or do we wanna refund the money back? So they Okay.","start_word":4504,"end_word":4676,"sentiment":"neutral","sentiment_score":0.03586323111388036},{"text":"do give us that kind of heads up, which is great.","start_word":4677,"end_word":4687,"sentiment":"positive","sentiment_score":0.5300737619400024},{"text":"But I would Yep. say, let me know if you wanna change things drastically Yeah. Yeah. so that Yep. I can check. If it is a situation where you come across an inheritance or win the lottery or whatever it is and you go, you know what? I wanna put more money for the kids, Mhmm. we could Yep. then typically, what happens so you might not want to reset the time frame. If it's within the first one or two years and you go, well, the expected age of when I wanna give it to the kids is 25, I have more than ten years until the kids turn 25, we could look at if Yep. the best is to just put it in, reset the time frame because it's still within the the age, or whether it is sometimes what we do for clients, if that happens, is just to set up a separate bond, which then Yep. means that, let's say, you have 20,000 or something you wanna set up separately, one bond will obviously mature before the other. So you can start accessing that, and then the other one will be a little bit later. So we can obviously work with you what you Okay. want With that. if Yep. that ever happens. Yep. Yep. Okay. Does that make sense? Yeah. That makes sense. Yep. Yeah.","start_word":4688,"end_word":4917,"sentiment":"neutral","sentiment_score":0.06730494648218155},{"text":"Great. Perfect.","start_word":4918,"end_word":4919,"sentiment":"positive","sentiment_score":0.5802001953125},{"text":"Now what we will do as well is that with the investment bond, Yep. how Mhmm. how it works is that anything as an initial deposit over 50,000 will trigger stamp duty. Yep. We don't want you to have pay the same duty. So a way to work around it is that we can set up the investment bond with exactly 50,000. And then literally day one, because there's no restrictions on how much money you can put in the first twelve months, we can then deposit the rest of the money in straight away. And that means that Generation Life will pay the stamp duty, not you. Yep. Yep. Makes sense? Yeah. Makes sense. Yes. Yep.","start_word":4920,"end_word":5036,"sentiment":"neutral","sentiment_score":0.13730278802223694},{"text":"Great. Perfect. So I'll make sure as well, obviously, if both you and Hailey are happy with that, that that's exactly how we set up the implementation is we do not want you to have to pay the stamps duty. We want them to pay for it, but still having the money in there for you.","start_word":5037,"end_word":5092,"sentiment":"positive","sentiment_score":0.44771188497543335},{"text":"So it would just be like a a deposit the following day to get that money in without you having to pay for that stamp duty. Uh-huh.","start_word":5093,"end_word":5119,"sentiment":"neutral","sentiment_score":0.2921651005744934},{"text":"Perfect.","start_word":5120,"end_word":5120,"sentiment":"positive","sentiment_score":0.4954252243041992},{"text":"Now, basically, everything I've touched on, it is highlighted. So it is quite wordy in the the statement of advice, but it's also to allow Yep. you the opportunity to read over everything in your own time.","start_word":5121,"end_word":5157,"sentiment":"neutral","sentiment_score":0.23164260387420657},{"text":"You will have a kind of a section outlining why this is in the best interest duty for, obviously, both of you and based on the consent order, gives you the full flexibility. You can change investments whenever you want to Yep. as well, which is great. So it gives you full management just you of the accounts, which is what we want. It kind of outlines all the advantages in regards to what I've just kind of discussed.","start_word":5158,"end_word":5236,"sentiment":"positive","sentiment_score":0.43510058522224426},{"text":"So, obviously, from a tax point of view, from a security point of view for the kids, also benefit for you is that it obviously doesn't get added to the taxable income or any capital gains tax paid either by you or the kids when they take it after that ten year, which is great. Obviously, the disadvantage is that to get it really tax effective, you kind of have to leave it for the ten year time frame and being mindful of that 125% rule Yep. of Yep. contributions. I've mentioned there's a lot of different alternatives we consider. So just not doing an investment bond, doing other personal investment accounts, but in the kid's name, financial lien tax just wasn't as effective. Looked at different child savings accounts with bank accounts. Again, nowhere near as tax effective and security for your kids.","start_word":5237,"end_word":5380,"sentiment":"neutral","sentiment_score":-0.04071301594376564},{"text":"Different investment bonds like Australian Unity, again, Generation Life was the most effective for for you.","start_word":5381,"end_word":5396,"sentiment":"positive","sentiment_score":0.4469158351421356},{"text":"Now let me see here. And that is essentially everything. Sorry. I've touched on as well, obviously, the fee structure, that implementation fee, but discounted and split across the two bonds, and no ongoing advice fee, which is great.","start_word":5397,"end_word":5435,"sentiment":"neutral","sentiment_score":0.2476459443569183},{"text":"So overall makes it a lot cheaper.","start_word":5436,"end_word":5442,"sentiment":"positive","sentiment_score":0.6556088328361511},{"text":"And that is essentially everything. Now in the how to implement our advice section, I have kind of outlined a couple of more steps just for you. So Mhmm.","start_word":5443,"end_word":5471,"sentiment":"neutral","sentiment_score":0.2564360499382019},{"text":"it says if you and Hailey are happy to go ahead with it, it will basically be to sign these documents to say that you are happy to go ahead with the implementation.","start_word":5472,"end_word":5504,"sentiment":"positive","sentiment_score":0.4222765862941742},{"text":"Once we receive that back from both of you, we will then sell down the personal investment account with hub Yep. 24, withdraw Uh-huh. all the funds to your bank account, and then Yep. from there, invested through the kids, $50.50 split for both your kids through Generation Life. Uh-huh. At the time, for you to tell us about the transfer date, So, basically, what year you wanted to go for the kids, but I will investigate that. Like I said, I'll send you an Yep. email. And then also for you to consider the estate planning. So with the investment bond, it is good because you can put someone in place to take over the bonds if something were to happen to you. You can Okay. have it go to the estate if that's what you want, Mhmm. or you can nominate an account guardian, which can be different, to Yep. manage it for you. The In rules the case will I'm no longer correct. So here. if Okay. something were to Yep. happen to you so it gives also that kind of it gives you more separation. So often with, obviously, other investments, it will just go straight to your estate. Your estate will then be distributed per your wishes. And then if that obviously goes to your kids who are under underage, then it could go obviously to their guardian depending who that is. Obviously, Okay. I'm not a lawyer, so I can't give you any legal advice. Yeah. Yeah. But No. the good That's thing that's with, fine. Yep.","start_word":5505,"end_word":5767,"sentiment":"neutral","sentiment_score":0.09656210796121407},{"text":"Yeah. perfect, but the good thing with the Generation Mhmm.","start_word":5768,"end_word":5777,"sentiment":"positive","sentiment_score":0.48869702219963074},{"text":"Life Fund is you can nominate a sim similar to, like, how your superannuation. It can bypass kind of the estate planning, and you Mhmm. can put a straight nomination on the account of someone that you want to manage it for you until it gets transferred to your kids. So if something were to happen to you before the vesting date, you can then Mhmm. nominate someone who you want to manage it on your behalf. Whoever Yep. does No manage worries. it, though, still have the same restrictions in place. So, obviously, it has to be for the purpose of the child. They can't just take the money out of the investment bonds and spend it Yeah. on whatever they want. It has to be for the purpose of the child. Otherwise, the Mhmm. children could kind of sue them for it. So there's still obviously a lot of that protection in place, Yeah.","start_word":5778,"end_word":5933,"sentiment":"neutral","sentiment_score":0.08594359457492828},{"text":"That's good.","start_word":5934,"end_word":5935,"sentiment":"positive","sentiment_score":0.4764581620693207},{"text":"Yep. but, Yep. That's good. yeah, it is there for you to decide. So when we do the application as well, have a think about who you want to put down as Put an account down. guardian. Yep. Yes. Mhmm. And then the last thing is obviously that contribution, like I said. So I have included monthly because that's how Mhmm. Generation Life sets it up, which is obviously then $80 per month. The Yep. appendix shows you the difference. So the appendix, Okay. actually, I have included through comparisons. So one is just $40 per month so that Mhmm. you can see the difference, and one Yep. is no contributions at all. Yep. So, Okay. again, you can see that difference. See the difference. Yep. And is Yep. that something that in the like I say, it's been six months or we're coming close to the year ending, is it Mhmm. something that you guys reach out or you'll reach out and say, hey. You've only been making these contributions. Don't forget about the 01/25. Just as a reminder, is that something that you guys do? It it's up to each client. If it's something you want, then definitely. Some people just have it, like, an automatic debited from their account.","start_word":5936,"end_word":6147,"sentiment":"neutral","sentiment_score":0.08056394434270431},{"text":"That's how Yep. much they want. I just want it to go that way.","start_word":6148,"end_word":6161,"sentiment":"positive","sentiment_score":0.4387553632259369},{"text":"Some Yep. people do chop and change throughout the year depending on their financial situation, and then we do add a reminder whenever they want. So whether that is after six months, after three months, after nine, whatever it is, Mhmm. Yep. where Yep. we can Yep. go to you to be like, hey. This is what you've currently contributed. Do you wanna make any changes before the 100 and Do you wanna make any changes before the 125% rule? So it it's kind Okay. of up to you what will you prefer. Yeah. If No. you want That's us fine. to do a reminder, we can do that. If you don't want it and you just wanna have it set and forget, we can do that Yeah. No. That's fine. No as worries. well. Yep.","start_word":6162,"end_word":6297,"sentiment":"neutral","sentiment_score":0.07830598205327988},{"text":"Do you Perfect.","start_word":6298,"end_word":6300,"sentiment":"positive","sentiment_score":0.3731291890144348},{"text":"have any questions for me at this No. point? Not at this stage. I'll read through I've I've pulled over and had a squeeze through the statement of advice with you, but I'll I'll have a Yep.","start_word":6301,"end_word":6337,"sentiment":"neutral","sentiment_score":0.021357353776693344},{"text":"good look at that tonight, Yes.","start_word":6338,"end_word":6343,"sentiment":"positive","sentiment_score":0.45694470405578613},{"text":"read through it. And then yeah. Yep. And then all I've gotta do from that is sign the DocuSign that you've just sent through Correct. as well. Yes. Yep. And Sorry. then that'll If start the process. yes.","start_word":6344,"end_word":6381,"sentiment":"neutral","sentiment_score":0.11367291957139967},{"text":"So so if you are happy, and that can be Yep.","start_word":6382,"end_word":6392,"sentiment":"positive","sentiment_score":0.3374069929122925},{"text":"irrespective of you decide you deciding at age. So if you are happy Yep. to go ahead with it, you just Mhmm. sign the documents. And then as soon as both you and Hailey have signed it, I will let Hailey's adviser know that we've had the the conversation, and he's having that with Yep. her as well. Wait for that Yep. to come through. In the meantime, I will send you that email just to check if we can change the age at a later date if you want to. I will send that Mhmm. to you in an email regardless, and you can decide that after. It's just before we submit the application. We have to put it down. So it still Yep. gives you a bit of time Okay. to No. do That's that. that's far. Yep.","start_word":6393,"end_word":6532,"sentiment":"neutral","sentiment_score":0.08140242778296981},{"text":"Perfect.","start_word":6533,"end_word":6533,"sentiment":"positive","sentiment_score":0.4361291229724884},{"text":"Yeah. And the last thing I do wanna mention to you, Benjamin, though, is that on a personal note, I will actually be going on maternity leave next Mhmm. week.","start_word":6534,"end_word":6563,"sentiment":"neutral","sentiment_score":0.03101673163473606},{"text":"Well, congratulations. Okay. Thank you very much.","start_word":6564,"end_word":6570,"sentiment":"positive","sentiment_score":0.47727277874946594},{"text":"So what will obviously happen is that I'm still got I'll still be here for this week, and I'll still be here for for next week. So, obviously, Yep. we can, you know, decide the the age if if you Mhmm. decide before that. But Yep. if not, my colleague, Jenna, will take over for me while I am Yep. on maternity leave. So it will be off for about twelve months, and I'm doing a very extensive handover with her next week on everything, Mhmm. making sure that everything, you know, we discussed continues to stay in place, both for your personal Yep. situation and, obviously, the investment bond. She Yep. will be, of course, obviously, everything to do with the implementation of the IDPS. And, again, Yep. she has had nothing to do with Haley or any of her situation. Completely separate, and she will be just looking after you in my set while I'm away. Okay. Not a problem.","start_word":6571,"end_word":6732,"sentiment":"neutral","sentiment_score":-0.021241124719381332},{"text":"But thank you very much.","start_word":6733,"end_word":6737,"sentiment":"positive","sentiment_score":0.5226196050643921},{"text":"Yep. But yeah.","start_word":6738,"end_word":6740,"sentiment":"neutral","sentiment_score":0.25490495562553406},{"text":"And congratulations. Thank you very much.","start_word":6741,"end_word":6746,"sentiment":"positive","sentiment_score":0.5847660303115845},{"text":"So I will probably, about next week, send you a bit of an introduction email just so that you have her direct email and everything like that. You can always just call the office. And if you forget, if you ask for me, they will just transfer it through to her anyway. If you email me directly, she would get all of my emails transferred to her anyway. But Okay. I'll send Yep. you Yeah. that kind of introduction email just so that you have her name and email address if there's anything Perfect. that you need in the meantime as well.","start_word":6747,"end_word":6848,"sentiment":"neutral","sentiment_score":0.10153398662805556},{"text":"Perfect. Thank you for that. No problem.","start_word":6849,"end_word":6855,"sentiment":"positive","sentiment_score":0.5735703110694885},{"text":"Well, if I don't hear from you by next week, obviously, I wish you all the best with everything in the meantime, and then I can't wait to kind of reconnect when I'm back and see where everything's at. No. Perfect. No.","start_word":6856,"end_word":6897,"sentiment":"neutral","sentiment_score":0.1516159176826477},{"text":"Thank you very much, and all the best for the next year and the the birth of your trial. Yep. Beautiful. Well, thank you so much, Benjamin, and thank you so much for your time today.","start_word":6898,"end_word":6933,"sentiment":"positive","sentiment_score":0.5591506361961365},{"text":"And, yeah, keep a lookout for that email from me. I will get that clarified with that age for you as Not a worry.","start_word":6934,"end_word":6957,"sentiment":"neutral","sentiment_score":0.23928572237491608},{"text":"Thank you very much for for well. Veronica. I appreciate your assistance. No problem at all. Take care then. Take care.","start_word":6958,"end_word":6978,"sentiment":"positive","sentiment_score":0.5719727277755737},{"text":"Bye bye. Bye.","start_word":6979,"end_word":6981,"sentiment":"neutral","sentiment_score":0.21879488229751587}],"average":{"sentiment":"neutral","sentiment_score":0.15776691736928428}}}}