{"metadata":{"transaction_key":"deprecated","request_id":"01a01d64-321c-7c92-93e2-d4a55da26a10","sha256":"b475b97b846c427704bf87730bae74d64a07857f148213d9e06694f4255715f8","created":"2026-08-20T04:18:22.679Z","duration":965.44794,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":3467,"output_tokens":125},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3796,"output_tokens":3804},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3796,"output_tokens":288}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Ben. This is Ranka from IQ Financial. How are you? Yeah. I'm good. Thanks. I had you booked in for a bit of a catch up. So now still a good time? Yeah. Perfect. Now just for usual, before I do go any further, I need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just for security purposes, even though I can hear you, can I just get you to confirm full name, date of birth, and address? Yep. Yep. Perfect. So everything's kind of been settled in the consent order and everything now? Yep. Yep. Perfect. So we can obviously move the money and do what we want in a way for the kids? Mhmm. Yep. Yep. Okay. Okay. Perfect. No. That's good. Yeah. I just wanted to make sure that, obviously, there is some kind of confirmation that we obviously can move it. But if that's her kind of signing off on it, and then we can go ahead and implement, that kind of covers that point. Just so. Yep. Okay. Yep. Yep. Yep. Okay. Beautiful. That's good. It should be pretty pretty straightforward. A couple of things I do wanna just confirm with you as I'm preparing all of it is that the main purpose is obviously investment for your children. That's, like, basically what we're doing. Yep. Perfect. Now time frame wise, do you have a like, obviously, I know it's a long term, but do you have a rough time frame of how long you think these investments will go for? Like, ten, fifteen, five years? Mhmm. Yep. Yep. Beautiful. Yes. Especially because there are a lot of so part of the research, there's a few options that I will look at. And knowing the time frame does kind of narrow down which ones are the most suitable. And ten year time frame is a pretty standard one for a lot of them that we are typically looking at that makes that really tax effective. So that is good. If it was a lot shorter, then I might steer away from some options. So having that ten year gives me that full flexibility on researching all of them. Now confirming as well that we are using everything in the IDPS, so, like, the full balance. Yep. And will that be, like, $50.50 between these two kids? Am I right? Yep. Yep. Okay. Perfect. And if I could just have the children's name of and date of birth as well, please, just for the the research. Yep. Yes, please. Okay. Charlotte. Clear. And date of birth? Yep. 02/18. Beautiful. And your son? And his date of birth? 10/2020. Beautiful. Now in terms of risk profile, so there's obviously a lot of different risk profiles similar to, obviously, your super investments that we can look at depending on what you will be comfortable with. Obviously, we have a long time frame. So, obviously, having that ten years from a time frame point of view mean that you can basically fit into any category, but it's also what you are comfortable with because, obviously, this is a bit different through, like, your super investments. So do you have an idea of, like, what kind of risk profile you would be comfortable with in how the money is invested for them? Yeah. Yep. So kind of a growth. Yeah. Perfect. So we can we can basically tailor it to whatever you want. But unlike the standard scale, you have your aggressive plus, which is, like, your your max risk. You're borrowing money against it. You have aggressive high growth growth. Then you have balanced growth, balanced and defensive. So growth seems like, from what you were saying, is a key kind of good split where you do wanna obviously focus on growing it because you do have that ten years, and it's setting them up for their future, but not like your high growth. Am I reading that correctly? Yep. Okay. Beautiful. Now with the investment as well, are you wanting to do regular contributions for them? Yeah. And how yes and no. No. There is no minimum, but there are restrictions on certain bonds. So for example, you could put a dollar a year. There's there's no problem. The only rule is that some bonds, and most of them do have to make that tax effective, is that you have something that's called a 125% rule. So what that means is that the following year, you can only contribute a 125% of the previous year's contribution. So even though there's, like, no minimum requirement, if you completely stop, then restarting it again would trigger the time frame, if that makes sense. So from that, do you have and you can change it. The first year, there is unlimited. So the first year on some of them, you could do, like, okay. I want to do $20 a week or $20 a month or $20 every second month, whatever it might be. And that first year, you can make however much or little contributions you want, but then that kind of sets you up for the next couple of years with that 125% rule. So what do you think so I'll obviously factor that in into the research and projections for you. Yep. $20. And that would be for each child? Yeah? Okay. So $20 per week per child. Do you want me to do any other alternatives for you if you feel like that's too much or too little? Yeah. Yeah. Perfect. Okay. Child per week. Okay. So per week. Okay. Great. Now there's different ways you can set them up as well. So you can have it where it's completely in their name. So it's like a child bond that then gets vested at a certain age. You can set that age. So whether that is at 18, 20, 25, it kind of vests, and then it gets completely tax free to them, and they can obviously do whatever it is that you guys have intended for them, whether that's school fees or car or whatever it might be. Or there's a way they can be set up under your name with them as beneficiaries. So at it, again, a certain point in time, it can change over to them, which gives them the option of continuing the investment bond if they choose to do so. But then it's kind of it's in your name, but they are the beneficiaries of it. Do you have a preference of what you think or your arrangement? It will be the same. So it would be exactly the same as the benefit of so some people do the child bond because then it's like, okay. Well, at a certain age, it's this. And that makes it kind of potentially easier in your situation where it's like, okay. Well, the bonds are in your children's name. The other option is, yeah, it's in your number. They are the beneficiary on it, which you could then show, and that just gives them the flexibility. So let's say we do the child bond, and then let's say when they turn 18, they have all the money, they obviously will then be vested. So they will get it in cash. So they don't have to pay tax on it. It's theirs to do what they want. But if they go, oh, I want to start a new investment bond, for example, they would obviously have to start that ten year time frame. The benefit of the other way is if they just change the ownership to them, they don't have to reset the time frame. They could keep that investment bond going if that's what they wanted to without trigger that new ten year time frame. So that's kind of, like, the the option. Yes. So it will it will be there, but it will be, like, because you are setting it up, so you would be, like, the owner even though it's in their name. Yes. No. No. No. So this is where the bonds are very effective, and that's different to your IDPS. So, obviously, why with your IDPS, obviously, earnings on that, you have to declare with selling it down that we will be capital gains tax. So that will be something that obviously would will be payable by by you personally. But within the bond, no. So anything kind of in the bond, it gets taxed within the bond itself at a concessional rate. It's kind of treated as like a life insurance product, so it's not something that you pay tax on yourself. It doesn't get added to your taxable income. And if you've had it for that ten year time frame, it does not get added to either your or your children's capital gains tax or anything like that. And that's why this kind of way of investing for kids and personally as well become really tax effective if you have that ten year time frame. Yeah. Because it would depend on the arrangement you guys have. But because if it's not in your name, and I will I will triple check the two options. So if it's a child one in your child's name, then it's technically not your asset. So I don't see how that would then impact anything, but I'd wanna I'll go and triple check it. But if it's in your like, if you are the owner of the benefit like, of the investment bond and they are just the beneficiary, then technically, it could still be in your name, and that could be an asset, if that makes sense. Yep. Yep. Okay. Yep. No. That's fine. I can look at both options. And if it's mainly for the children for com like, Simplicities, maybe the investment like, the child bond, but I'll look at both options to see the flexibility of making sure that, obviously, you still have the the capacity to obviously change and do all of that and not impacting the child support payments. Payments. Yes. Yes. Yep. Okay. Beautiful. That is good. Anything else that's important to you when it comes to the investment or anything else I need to know about? No. Yep. Okay. Perfect. I think we've spoken about this a few times, so I have a pretty good pretty good idea of what I'm I'm thinking. So I just need to finalize, obviously, all the research and put it into a recommendation for you. Now to obviously make it quicker from a time frame point of view, I'll book you in for the presentation now while I do have you on the phone. It will take me about a week to put it together. When is the best time for yourself? Yep. I could potentially do let me see here. I could potentially do Wednesday, the twenty sixth, or it would be the week after. I could do the Tuesday or the Wednesday. Okay. Perfect. So I can do either at 9AM, or I could do at 01:30, or I could do 03:00. 01:30? Okay. Beautiful. So I will book that in on Tuesday the first at 01:30. If anything does change and you can't make it, just let me know, and I can always get it amended for you. Do you want me to add a signature in when I prepare the document so Haley can sign off on it as well so it's, like, official from that point of view as well? Yep. Yep. Okay. Perfect. That is good. That is booked in on Tuesday, the September 1, which is crazy. It's September already at at 01:30PM. Yes. That yes. That will be great. That will be amazing because then that way I have that. Yeah. And you have my email address. Still? Yeah. Okay. Beautiful. If you could send that through when you have a moment, that will be fantastic. And then I could prove that we can do this with the money as well, when I put it all together. So that's great. No worries. Well, that was essentially everything that I needed to just confirm with you today. So pretty straightforward. But do you have any other questions for me before I let you go and enjoy the rest of the afternoon? No. Okay. If anything you do think of anything before, obviously, Tuesday the first, just let me know or send me an email. But, otherwise, I look forward to speaking with you on Tuesday the first at 01:30. Beautiful. You enjoy the rest of your week. Thanks. 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afternoon, Ben. This is Ranka from IQ Financial. How are you? Yeah. I'm good.\n\nThanks. I had you booked in for a bit of a catch up. So now still a good time? Yeah. Perfect.\n\nNow just for usual, before I do go any further, I need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just for security purposes, even though I can hear you, can I just get you to confirm full name, date of birth, and address? Yep.\n\nYep. Perfect. So everything's kind of been settled in the consent order and everything now? Yep. Yep.\n\nPerfect. So we can obviously move the money and do what we want in a way for the kids? Mhmm. Yep. Yep.\n\nOkay. Okay. Perfect. No. That's good.\n\nYeah. I just wanted to make sure that, obviously, there is some kind of confirmation that we obviously can move it. But if that's her kind of signing off on it, and then we can go ahead and implement, that kind of covers that point. Just so. Yep.\n\nOkay. Yep. Yep. Yep. Okay.\n\nBeautiful. That's good. It should be pretty pretty straightforward. A couple of things I do wanna just confirm with you as I'm preparing all of it is that the main purpose is obviously investment for your children. That's, like, basically what we're doing.\n\nYep. Perfect. Now time frame wise, do you have a like, obviously, I know it's a long term, but do you have a rough time frame of how long you think these investments will go for? Like, ten, fifteen, five years? Mhmm.\n\nYep. Yep. Beautiful. Yes. Especially because there are a lot of so part of the research, there's a few options that I will look at.\n\nAnd knowing the time frame does kind of narrow down which ones are the most suitable. And ten year time frame is a pretty standard one for a lot of them that we are typically looking at that makes that really tax effective. So that is good. If it was a lot shorter, then I might steer away from some options. So having that ten year gives me that full flexibility on researching all of them.\n\nNow confirming as well that we are using everything in the IDPS, so, like, the full balance. Yep. And will that be, like, $50.50 between these two kids? Am I right? Yep.\n\nYep. Okay. Perfect. And if I could just have the children's name of and date of birth as well, please, just for the the research. Yep.\n\nYes, please. Okay. Charlotte. Clear. And date of birth?\n\nYep. 02/18. Beautiful. And your son? And his date of birth?\n\n10/2020. Beautiful. Now in terms of risk profile, so there's obviously a lot of different risk profiles similar to, obviously, your super investments that we can look at depending on what you will be comfortable with. Obviously, we have a long time frame. So, obviously, having that ten years from a time frame point of view mean that you can basically fit into any category, but it's also what you are comfortable with because, obviously, this is a bit different through, like, your super investments.\n\nSo do you have an idea of, like, what kind of risk profile you would be comfortable with in how the money is invested for them? Yeah. Yep. So kind of a growth. Yeah.\n\nPerfect. So we can we can basically tailor it to whatever you want. But unlike the standard scale, you have your aggressive plus, which is, like, your your max risk. You're borrowing money against it. You have aggressive high growth growth.\n\nThen you have balanced growth, balanced and defensive. So growth seems like, from what you were saying, is a key kind of good split where you do wanna obviously focus on growing it because you do have that ten years, and it's setting them up for their future, but not like your high growth. Am I reading that correctly? Yep. Okay.\n\nBeautiful. Now with the investment as well, are you wanting to do regular contributions for them? Yeah. And how yes and no. No.\n\nThere is no minimum, but there are restrictions on certain bonds. So for example, you could put a dollar a year. There's there's no problem. The only rule is that some bonds, and most of them do have to make that tax effective, is that you have something that's called a 125% rule. So what that means is that the following year, you can only contribute a 125% of the previous year's contribution.\n\nSo even though there's, like, no minimum requirement, if you completely stop, then restarting it again would trigger the time frame, if that makes sense. So from that, do you have and you can change it. The first year, there is unlimited. So the first year on some of them, you could do, like, okay. I want to do $20 a week or $20 a month or $20 every second month, whatever it might be.\n\nAnd that first year, you can make however much or little contributions you want, but then that kind of sets you up for the next couple of years with that 125% rule. So what do you think so I'll obviously factor that in into the research and projections for you. Yep. $20. And that would be for each child?\n\nYeah? Okay. So $20 per week per child. Do you want me to do any other alternatives for you if you feel like that's too much or too little? Yeah.\n\nYeah. Perfect. Okay. Child per week. Okay.\n\nSo per week. Okay. Great. Now there's different ways you can set them up as well. So you can have it where it's completely in their name.\n\nSo it's like a child bond that then gets vested at a certain age. You can set that age. So whether that is at 18, 20, 25, it kind of vests, and then it gets completely tax free to them, and they can obviously do whatever it is that you guys have intended for them, whether that's school fees or car or whatever it might be. Or there's a way they can be set up under your name with them as beneficiaries. So at it, again, a certain point in time, it can change over to them, which gives them the option of continuing the investment bond if they choose to do so.\n\nBut then it's kind of it's in your name, but they are the beneficiaries of it. Do you have a preference of what you think or your arrangement? It will be the same. So it would be exactly the same as the benefit of so some people do the child bond because then it's like, okay. Well, at a certain age, it's this.\n\nAnd that makes it kind of potentially easier in your situation where it's like, okay. Well, the bonds are in your children's name. The other option is, yeah, it's in your number. They are the beneficiary on it, which you could then show, and that just gives them the flexibility. So let's say we do the child bond, and then let's say when they turn 18, they have all the money, they obviously will then be vested.\n\nSo they will get it in cash. So they don't have to pay tax on it. It's theirs to do what they want. But if they go, oh, I want to start a new investment bond, for example, they would obviously have to start that ten year time frame. The benefit of the other way is if they just change the ownership to them, they don't have to reset the time frame.\n\nThey could keep that investment bond going if that's what they wanted to without trigger that new ten year time frame. So that's kind of, like, the the option. Yes. So it will it will be there, but it will be, like, because you are setting it up, so you would be, like, the owner even though it's in their name. Yes.\n\nNo. No. No. So this is where the bonds are very effective, and that's different to your IDPS. So, obviously, why with your IDPS, obviously, earnings on that, you have to declare with selling it down that we will be capital gains tax.\n\nSo that will be something that obviously would will be payable by by you personally. But within the bond, no. So anything kind of in the bond, it gets taxed within the bond itself at a concessional rate. It's kind of treated as like a life insurance product, so it's not something that you pay tax on yourself. It doesn't get added to your taxable income.\n\nAnd if you've had it for that ten year time frame, it does not get added to either your or your children's capital gains tax or anything like that. And that's why this kind of way of investing for kids and personally as well become really tax effective if you have that ten year time frame. Yeah. Because it would depend on the arrangement you guys have. But because if it's not in your name, and I will I will triple check the two options.\n\nSo if it's a child one in your child's name, then it's technically not your asset. So I don't see how that would then impact anything, but I'd wanna I'll go and triple check it. But if it's in your like, if you are the owner of the benefit like, of the investment bond and they are just the beneficiary, then technically, it could still be in your name, and that could be an asset, if that makes sense. Yep. Yep.\n\nOkay. Yep. No. That's fine. I can look at both options.\n\nAnd if it's mainly for the children for com like, Simplicities, maybe the investment like, the child bond, but I'll look at both options to see the flexibility of making sure that, obviously, you still have the the capacity to obviously change and do all of that and not impacting the child support payments. Payments. Yes. Yes. Yep.\n\nOkay. Beautiful. That is good. Anything else that's important to you when it comes to the investment or anything else I need to know about? No.\n\nYep. Okay. Perfect. I think we've spoken about this a few times, so I have a pretty good pretty good idea of what I'm I'm thinking. So I just need to finalize, obviously, all the research and put it into a recommendation for you.\n\nNow to obviously make it quicker from a time frame point of view, I'll book you in for the presentation now while I do have you on the phone. It will take me about a week to put it together. When is the best time for yourself? Yep. I could potentially do let me see here.\n\nI could potentially do Wednesday, the twenty sixth, or it would be the week after. I could do the Tuesday or the Wednesday. Okay. Perfect. So I can do either at 9AM, or I could do at 01:30, or I could do 03:00.\n\n01:30? Okay. Beautiful. So I will book that in on Tuesday the first at 01:30. If anything does change and you can't make it, just let me know, and I can always get it amended for you.\n\nDo you want me to add a signature in when I prepare the document so Haley can sign off on it as well so it's, like, official from that point of view as well? Yep. Yep. Okay. Perfect.\n\nThat is good. That is booked in on Tuesday, the September 1, which is crazy. It's September already at at 01:30PM. Yes. That yes.\n\nThat will be great. That will be amazing because then that way I have that. Yeah. And you have my email address. Still?\n\nYeah. Okay. Beautiful. If you could send that through when you have a moment, that will be fantastic. And then I could prove that we can do this with the money as well, when I put it all together.\n\nSo that's great. No worries. Well, that was essentially everything that I needed to just confirm with you today. So pretty straightforward. But do you have any other questions for me before I let you go and enjoy the rest of the afternoon?\n\nNo. Okay. If anything you do think of anything before, obviously, Tuesday the first, just let me know or send me an email. But, otherwise, I look forward to speaking with you on Tuesday the first at 01:30. Beautiful.\n\nYou enjoy the rest of your week. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Ben.","start":2.08,"end":3.04,"sentiment":"neutral","sentiment_score":0.31371458371480304},{"text":"This is Ranka from IQ Financial.","start":3.04,"end":5.04,"sentiment":"neutral","sentiment_score":0.27342841029167175},{"text":"How are you?","start":5.04,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.21196607748667398},{"text":"Yeah.","start":7.52,"end":7.8399997,"sentiment":"positive","sentiment_score":0.3485965132713318},{"text":"I'm good.","start":7.8399997,"end":8.639999,"sentiment":"positive","sentiment_score":0.5615739226341248}],"sentiment":"neutral","sentiment_score":0.3126237869262695,"num_words":15,"start":2.08,"end":8.639999},{"sentences":[{"text":"Thanks.","start":8.639999,"end":9.139999,"sentiment":"positive","sentiment_score":0.6557746529579163},{"text":"I had you booked in for a bit of a catch up.","start":10.0,"end":12.48,"sentiment":"neutral","sentiment_score":0.310234601298968},{"text":"So now still a good time?","start":12.48,"end":13.78,"sentiment":"neutral","sentiment_score":0.26303064574797946},{"text":"Yeah.","start":14.96,"end":15.44,"sentiment":"neutral","sentiment_score":0.2739856541156769},{"text":"Perfect.","start":15.44,"end":15.94,"sentiment":"positive","sentiment_score":0.3614094853401184}],"sentiment":"neutral","sentiment_score":0.31391280392805737,"num_words":21,"start":8.639999,"end":15.94},{"sentences":[{"text":"Now just for usual, before I do go any further, I need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":16.904999,"end":24.045,"sentiment":"neutral","sentiment_score":0.06411575774351756},{"text":"Yep.","start":25.224998,"end":25.724998,"sentiment":"neutral","sentiment_score":0.16307897865772247},{"text":"Perfect.","start":25.785,"end":26.285,"sentiment":"neutral","sentiment_score":0.266778826713562},{"text":"And just for security purposes, even though I can hear you, can I just get you to confirm full name, date of birth, and address?","start":26.345,"end":33.16,"sentiment":"neutral","sentiment_score":0.07952336981892585},{"text":"Yep.","start":39.86,"end":40.36,"sentiment":"neutral","sentiment_score":0.027194347232580185}],"sentiment":"neutral","sentiment_score":0.075320847075561,"num_words":58,"start":16.904999,"end":40.36},{"sentences":[{"text":"Yep.","start":41.78,"end":42.28,"sentiment":"neutral","sentiment_score":0.08432131260633469},{"text":"Perfect.","start":43.155,"end":43.475,"sentiment":"neutral","sentiment_score":0.2398149222135544},{"text":"So everything's kind of been settled in the consent order and everything now?","start":43.475,"end":47.815,"sentiment":"neutral","sentiment_score":0.12316565788709201},{"text":"Yep.","start":48.515,"end":49.015,"sentiment":"neutral","sentiment_score":0.07857654988765717},{"text":"Yep.","start":49.635,"end":50.035,"sentiment":"neutral","sentiment_score":0.1488434076309204}],"sentiment":"neutral","sentiment_score":0.12662998499239192,"num_words":17,"start":41.78,"end":50.035},{"sentences":[{"text":"Perfect.","start":50.035,"end":50.535,"sentiment":"neutral","sentiment_score":0.3097103536128998},{"text":"So we can obviously move the money and do what we want in a way for the kids?","start":50.675,"end":57.3,"sentiment":"neutral","sentiment_score":0.15125320189528996},{"text":"Mhmm.","start":57.78,"end":58.28,"sentiment":"neutral","sentiment_score":0.050339266657829285},{"text":"Yep.","start":61.14,"end":61.64,"sentiment":"neutral","sentiment_score":0.06070221588015556},{"text":"Yep.","start":64.979996,"end":65.479996,"sentiment":"neutral","sentiment_score":0.06589671224355698}],"sentiment":"neutral","sentiment_score":0.14587300829589367,"num_words":22,"start":50.035,"end":65.479996},{"sentences":[{"text":"Okay.","start":71.3,"end":71.78,"sentiment":"neutral","sentiment_score":0.07608441263437271},{"text":"Okay.","start":71.78,"end":72.18,"sentiment":"neutral","sentiment_score":0.0931174010038376},{"text":"Perfect.","start":72.18,"end":72.645,"sentiment":"neutral","sentiment_score":0.12987984716892242},{"text":"No.","start":72.805,"end":73.045,"sentiment":"neutral","sentiment_score":0.06588245928287506},{"text":"That's good.","start":73.045,"end":73.685,"sentiment":"neutral","sentiment_score":0.12669380754232407}],"sentiment":"neutral","sentiment_score":0.10305862252910931,"num_words":6,"start":71.3,"end":73.685},{"sentences":[{"text":"Yeah.","start":73.685,"end":73.924995,"sentiment":"neutral","sentiment_score":0.08755513280630112},{"text":"I just wanted to make sure that, obviously, there is some kind of confirmation that we obviously can move it.","start":73.924995,"end":80.244995,"sentiment":"neutral","sentiment_score":0.08642987813800573},{"text":"But if that's her kind of signing off on it, and then we can go ahead and implement, that kind of covers that point.","start":80.244995,"end":86.325,"sentiment":"neutral","sentiment_score":0.043655670791243516},{"text":"Just so.","start":86.325,"end":87.064995,"sentiment":"neutral","sentiment_score":-0.0021824967116117477},{"text":"Yep.","start":89.42,"end":89.92,"sentiment":"neutral","sentiment_score":0.024544794112443924}],"sentiment":"neutral","sentiment_score":0.06008476240094751,"num_words":48,"start":73.685,"end":89.92},{"sentences":[{"text":"Okay.","start":90.380005,"end":90.880005,"sentiment":"neutral","sentiment_score":0.0259652491658926},{"text":"Yep.","start":95.58,"end":96.08,"sentiment":"neutral","sentiment_score":0.002582977991551161},{"text":"Yep.","start":98.06,"end":98.56,"sentiment":"neutral","sentiment_score":0.007645440753549337},{"text":"Yep.","start":102.14,"end":102.495,"sentiment":"neutral","sentiment_score":0.023010237142443657},{"text":"Okay.","start":104.655,"end":105.055,"sentiment":"neutral","sentiment_score":0.226109117269516}],"sentiment":"neutral","sentiment_score":0.05706260446459055,"num_words":5,"start":90.380005,"end":105.055},{"sentences":[{"text":"Beautiful.","start":105.055,"end":105.555,"sentiment":"positive","sentiment_score":0.6584944725036621},{"text":"That's good.","start":105.695,"end":106.515,"sentiment":"positive","sentiment_score":0.7594459056854248},{"text":"It should be pretty pretty straightforward.","start":107.775,"end":109.875,"sentiment":"positive","sentiment_score":0.6214325527350107},{"text":"A couple of things I do wanna just confirm with you as I'm preparing all of it is that the main purpose is obviously investment for your children.","start":110.255005,"end":120.84,"sentiment":"neutral","sentiment_score":0.05206932034343481},{"text":"That's, like, basically what we're doing.","start":121.14,"end":123.0,"sentiment":"neutral","sentiment_score":0.04178251170863708}],"sentiment":"neutral","sentiment_score":0.17708413116633892,"num_words":43,"start":105.055,"end":123.0},{"sentences":[{"text":"Yep.","start":124.259995,"end":124.659996,"sentiment":"neutral","sentiment_score":0.14452318847179413},{"text":"Perfect.","start":124.659996,"end":125.159996,"sentiment":"neutral","sentiment_score":0.2702668607234955},{"text":"Now time frame wise, do you have a like, obviously, I know it's a long term, but do you have a rough time frame of how long you think these investments will go for?","start":125.38,"end":136.395,"sentiment":"neutral","sentiment_score":0.04861248673542457},{"text":"Like, ten, fifteen, five years?","start":136.395,"end":138.655,"sentiment":"neutral","sentiment_score":0.018275366351008415},{"text":"Mhmm.","start":143.57,"end":144.07,"sentiment":"neutral","sentiment_score":0.013853559270501137}],"sentiment":"neutral","sentiment_score":0.05173440450536353,"num_words":42,"start":124.259995,"end":144.07},{"sentences":[{"text":"Yep.","start":147.25,"end":147.75,"sentiment":"neutral","sentiment_score":0.030602525919675827},{"text":"Yep.","start":150.53,"end":151.01,"sentiment":"neutral","sentiment_score":0.1353657841682434},{"text":"Beautiful.","start":151.01,"end":151.51,"sentiment":"positive","sentiment_score":0.38604235649108887},{"text":"Yes.","start":154.77,"end":155.175,"sentiment":"neutral","sentiment_score":0.07550293207168579},{"text":"Especially because there are a lot of so part of the research, there's a few options that I will look at.","start":155.41501,"end":160.795,"sentiment":"neutral","sentiment_score":0.049254203836123146}],"sentiment":"neutral","sentiment_score":0.0664740751683712,"num_words":25,"start":147.25,"end":160.795},{"sentences":[{"text":"And knowing the time frame does kind of narrow down which ones are the most suitable.","start":162.05501,"end":167.195,"sentiment":"neutral","sentiment_score":0.03416786412708461},{"text":"And ten year time frame is a pretty standard one for a lot of them that we are typically looking at that makes that really tax effective.","start":168.40001,"end":176.40001,"sentiment":"neutral","sentiment_score":0.10679011598781303},{"text":"So that is good.","start":176.40001,"end":177.36,"sentiment":"neutral","sentiment_score":0.0828177323564887},{"text":"If it was a lot shorter, then I might steer away from some options.","start":177.36,"end":182.625,"sentiment":"neutral","sentiment_score":-0.0647388608860118},{"text":"So having that ten year gives me that full flexibility on researching all of them.","start":183.505,"end":187.925,"sentiment":"neutral","sentiment_score":0.14659319420655567}],"sentiment":"neutral","sentiment_score":0.06649794405032146,"num_words":76,"start":162.05501,"end":187.925},{"sentences":[{"text":"Now confirming as well that we are using everything in the IDPS, so, like, the full balance.","start":188.865,"end":195.445,"sentiment":"neutral","sentiment_score":0.12614153763827154},{"text":"Yep.","start":195.745,"end":196.245,"sentiment":"neutral","sentiment_score":0.06548009067773819},{"text":"And will that be, like, $50.50 between these two kids?","start":196.97,"end":201.77,"sentiment":"neutral","sentiment_score":0.061960610747337344},{"text":"Am I right?","start":201.77,"end":202.59,"sentiment":"neutral","sentiment_score":0.05351839338739713},{"text":"Yep.","start":203.85,"end":204.35,"sentiment":"neutral","sentiment_score":0.0752287432551384}],"sentiment":"neutral","sentiment_score":0.09578988316934556,"num_words":32,"start":188.865,"end":204.35},{"sentences":[{"text":"Yep.","start":204.49,"end":204.89,"sentiment":"neutral","sentiment_score":0.08608907461166382},{"text":"Okay.","start":204.89,"end":205.37001,"sentiment":"neutral","sentiment_score":0.18647028505802157},{"text":"Perfect.","start":205.37001,"end":205.87001,"sentiment":"neutral","sentiment_score":0.2965528964996338},{"text":"And if I could just have the children's name of and date of birth as well, please, just for the the research.","start":206.33,"end":212.35,"sentiment":"neutral","sentiment_score":0.09178072995167565},{"text":"Yep.","start":213.665,"end":214.14499,"sentiment":"neutral","sentiment_score":0.04105822369456291}],"sentiment":"neutral","sentiment_score":0.10112871303079793,"num_words":26,"start":204.49,"end":214.14499},{"sentences":[{"text":"Yes, please.","start":214.14499,"end":215.045,"sentiment":"neutral","sentiment_score":0.059418635442852974},{"text":"Okay.","start":219.825,"end":220.325,"sentiment":"neutral","sentiment_score":0.031990740448236465},{"text":"Charlotte.","start":220.94499,"end":221.44499,"sentiment":"neutral","sentiment_score":0.02378201484680176},{"text":"Clear.","start":223.105,"end":223.605,"sentiment":"neutral","sentiment_score":0.019879382103681564},{"text":"And date of birth?","start":223.665,"end":224.55,"sentiment":"neutral","sentiment_score":0.019296869868412614}],"sentiment":"neutral","sentiment_score":0.030186320862008467,"num_words":9,"start":214.14499,"end":224.55},{"sentences":[{"text":"Yep.","start":224.55,"end":225.05,"sentiment":"neutral","sentiment_score":0.01880037784576416},{"text":"02/18.","start":230.39,"end":231.13,"sentiment":"neutral","sentiment_score":0.029554028064012527},{"text":"Beautiful.","start":231.59,"end":232.09,"sentiment":"positive","sentiment_score":0.440204918384552},{"text":"And your son?","start":232.31,"end":233.29001,"sentiment":"neutral","sentiment_score":0.14359762022892633},{"text":"And his date of birth?","start":239.28499,"end":240.665,"sentiment":"neutral","sentiment_score":0.043945173174142836}],"sentiment":"neutral","sentiment_score":0.10355255007743835,"num_words":11,"start":224.55,"end":240.665},{"sentences":[{"text":"10/2020.","start":244.48499,"end":246.265,"sentiment":"neutral","sentiment_score":0.05608166754245758},{"text":"Beautiful.","start":247.045,"end":247.545,"sentiment":"positive","sentiment_score":0.5080530047416687},{"text":"Now in terms of risk profile, so there's obviously a lot of different risk profiles similar to, obviously, your super investments that we can look at depending on what you will be comfortable with.","start":249.36499,"end":262.68,"sentiment":"neutral","sentiment_score":0.049457307904958725},{"text":"Obviously, we have a long time frame.","start":263.78,"end":265.845,"sentiment":"neutral","sentiment_score":0.013649732539696353},{"text":"So, obviously, having that ten years from a time frame point of view mean that you can basically fit into any category, but it's also what you are comfortable with because, obviously, this is a bit different through, like, your super investments.","start":265.845,"end":279.465,"sentiment":"neutral","sentiment_score":0.056465464954574905}],"sentiment":"neutral","sentiment_score":0.05544447996379698,"num_words":85,"start":244.48499,"end":279.465},{"sentences":[{"text":"So do you have an idea of, like, what kind of risk profile you would be comfortable with in how the money is invested for them?","start":280.325,"end":288.91,"sentiment":"neutral","sentiment_score":0.00009488092305568549},{"text":"Yeah.","start":292.97,"end":293.47,"sentiment":"neutral","sentiment_score":0.025227641686797145},{"text":"Yep.","start":294.00998,"end":294.41,"sentiment":"neutral","sentiment_score":0.04221739619970322},{"text":"So kind of a growth.","start":294.41,"end":295.725,"sentiment":"neutral","sentiment_score":0.03985138013958931},{"text":"Yeah.","start":297.64502,"end":298.14502,"sentiment":"neutral","sentiment_score":0.16217225790023804}],"sentiment":"neutral","sentiment_score":0.012686502955415669,"num_words":34,"start":280.325,"end":298.14502},{"sentences":[{"text":"Perfect.","start":298.20502,"end":298.685,"sentiment":"neutral","sentiment_score":0.32601916790008545},{"text":"So we can we can basically tailor it to whatever you want.","start":298.685,"end":301.885,"sentiment":"neutral","sentiment_score":0.21595162029067674},{"text":"But unlike the standard scale, you have your aggressive plus, which is, like, your your max risk.","start":301.885,"end":307.565,"sentiment":"neutral","sentiment_score":0.07305611976805855},{"text":"You're borrowing money against it.","start":307.565,"end":309.42502,"sentiment":"neutral","sentiment_score":0.04713527783751488},{"text":"You have aggressive high growth growth.","start":309.69,"end":312.83002,"sentiment":"neutral","sentiment_score":0.14597668747107187}],"sentiment":"neutral","sentiment_score":0.1285592478404685,"num_words":41,"start":298.20502,"end":312.83002},{"sentences":[{"text":"Then you have balanced growth, balanced and defensive.","start":313.61002,"end":317.15002,"sentiment":"neutral","sentiment_score":0.185289790853858},{"text":"So growth seems like, from what you were saying, is a key kind of good split where you do wanna obviously focus on growing it because you do have that ten years, and it's setting them up for their future, but not like your high growth.","start":317.37003,"end":329.57498,"sentiment":"neutral","sentiment_score":0.18548274250782054},{"text":"Am I reading that correctly?","start":329.57498,"end":331.19498,"sentiment":"neutral","sentiment_score":-0.009064074233174324},{"text":"Yep.","start":332.455,"end":332.85498,"sentiment":"neutral","sentiment_score":0.13169129192829132},{"text":"Okay.","start":332.85498,"end":333.25497,"sentiment":"neutral","sentiment_score":0.2605937123298645}],"sentiment":"neutral","sentiment_score":0.16986047729971956,"num_words":61,"start":313.61002,"end":333.25497},{"sentences":[{"text":"Beautiful.","start":333.25497,"end":333.75497,"sentiment":"positive","sentiment_score":0.4547515511512756},{"text":"Now with the investment as well, are you wanting to do regular contributions for them?","start":334.615,"end":341.64,"sentiment":"neutral","sentiment_score":0.14347033550341923},{"text":"Yeah.","start":345.94,"end":346.42,"sentiment":"neutral","sentiment_score":0.03748292103409767},{"text":"And how yes and no.","start":346.42,"end":350.905,"sentiment":"neutral","sentiment_score":-0.010692509263753891},{"text":"No.","start":350.905,"end":351.225,"sentiment":"neutral","sentiment_score":-0.02522098645567894}],"sentiment":"neutral","sentiment_score":0.11154808573748755,"num_words":23,"start":333.25497,"end":351.225},{"sentences":[{"text":"There is no minimum, but there are restrictions on certain bonds.","start":351.225,"end":356.845,"sentiment":"neutral","sentiment_score":-0.05442461642352017},{"text":"So for example, you could put a dollar a year.","start":356.905,"end":360.36502,"sentiment":"neutral","sentiment_score":0.04347932487726212},{"text":"There's there's no problem.","start":360.42502,"end":361.64502,"sentiment":"neutral","sentiment_score":0.23229878768324852},{"text":"The only rule is that some bonds, and most of them do have to make that tax effective, is that you have something that's called a 125% rule.","start":362.03998,"end":373.02,"sentiment":"neutral","sentiment_score":0.05532246142891901},{"text":"So what that means is that the following year, you can only contribute a 125% of the previous year's contribution.","start":373.4,"end":384.065,"sentiment":"neutral","sentiment_score":0.08992740344256163}],"sentiment":"neutral","sentiment_score":0.05634102202339532,"num_words":73,"start":351.225,"end":384.065},{"sentences":[{"text":"So even though there's, like, no minimum requirement, if you completely stop, then restarting it again would trigger the time frame, if that makes sense.","start":384.845,"end":396.06,"sentiment":"neutral","sentiment_score":0.07181938216090203},{"text":"So from that, do you have and you can change it.","start":398.19998,"end":404.12,"sentiment":"neutral","sentiment_score":0.1540235463868488},{"text":"The first year, there is unlimited.","start":404.12,"end":405.74,"sentiment":"neutral","sentiment_score":0.24542398750782013},{"text":"So the first year on some of them, you could do, like, okay.","start":405.885,"end":409.405,"sentiment":"neutral","sentiment_score":0.1470315783069684},{"text":"I want to do $20 a week or $20 a month or $20 every second month, whatever it might be.","start":409.405,"end":416.945,"sentiment":"neutral","sentiment_score":0.16237253397703172}],"sentiment":"neutral","sentiment_score":0.1349486491580804,"num_words":75,"start":384.845,"end":416.945},{"sentences":[{"text":"And that first year, you can make however much or little contributions you want, but then that kind of sets you up for the next couple of years with that 125% rule.","start":417.005,"end":427.49002,"sentiment":"neutral","sentiment_score":0.18087736703455448},{"text":"So what do you think so I'll obviously factor that in into the research and projections for you.","start":429.63,"end":438.095,"sentiment":"neutral","sentiment_score":0.07339843673010667},{"text":"Yep.","start":438.095,"end":438.415,"sentiment":"neutral","sentiment_score":0.06463300436735153},{"text":"$20.","start":438.415,"end":439.135,"sentiment":"neutral","sentiment_score":0.058531686663627625},{"text":"And that would be for each child?","start":439.135,"end":440.755,"sentiment":"neutral","sentiment_score":0.055792120418378284}],"sentiment":"neutral","sentiment_score":0.1292026633933439,"num_words":59,"start":417.005,"end":440.755},{"sentences":[{"text":"Yeah?","start":443.455,"end":443.955,"sentiment":"neutral","sentiment_score":0.05100829899311066},{"text":"Okay.","start":444.095,"end":444.595,"sentiment":"neutral","sentiment_score":0.05312729254364967},{"text":"So $20 per week per child.","start":444.895,"end":448.96,"sentiment":"neutral","sentiment_score":0.05483321659266949},{"text":"Do you want me to do any other alternatives for you if you feel like that's too much or too little?","start":448.96,"end":455.22,"sentiment":"neutral","sentiment_score":-0.0513023551376093},{"text":"Yeah.","start":457.68,"end":458.0,"sentiment":"neutral","sentiment_score":0.13903063535690308}],"sentiment":"neutral","sentiment_score":-0.016839464381337165,"num_words":30,"start":443.455,"end":458.0},{"sentences":[{"text":"Yeah.","start":458.0,"end":458.32,"sentiment":"neutral","sentiment_score":0.21963700652122495},{"text":"Perfect.","start":458.32,"end":458.82,"sentiment":"positive","sentiment_score":0.3745651245117187},{"text":"Okay.","start":459.12,"end":459.62,"sentiment":"neutral","sentiment_score":0.16438838839530945},{"text":"Child per week.","start":461.91998,"end":463.36,"sentiment":"neutral","sentiment_score":0.14334179957707724},{"text":"Okay.","start":463.36,"end":463.86,"sentiment":"neutral","sentiment_score":0.10801304876804352}],"sentiment":"neutral","sentiment_score":0.1852327095610755,"num_words":7,"start":458.0,"end":463.86},{"sentences":[{"text":"So per week.","start":465.525,"end":466.99927,"sentiment":"neutral","sentiment_score":0.11314369986454646},{"text":"Okay.","start":466.99927,"end":467.05643,"sentiment":"neutral","sentiment_score":0.32846206426620483},{"text":"Great.","start":467.05643,"end":467.11356,"sentiment":"positive","sentiment_score":0.514663815498352},{"text":"Now there's different ways you can set them up as well.","start":467.11356,"end":469.125,"sentiment":"neutral","sentiment_score":0.3103093369440599},{"text":"So you can have it where it's completely in their name.","start":469.125,"end":473.365,"sentiment":"neutral","sentiment_score":0.2645862373438748}],"sentiment":"neutral","sentiment_score":0.27801512209353624,"num_words":27,"start":465.525,"end":473.365},{"sentences":[{"text":"So it's like a child bond that then gets vested at a certain age.","start":473.365,"end":477.54498,"sentiment":"neutral","sentiment_score":0.1625438199511596},{"text":"You can set that age.","start":477.87,"end":479.23,"sentiment":"neutral","sentiment_score":0.12341779321432114},{"text":"So whether that is at 18, 20, 25, it kind of vests, and then it gets completely tax free to them, and they can obviously do whatever it is that you guys have intended for them, whether that's school fees or car or whatever it might be.","start":479.23,"end":496.755,"sentiment":"positive","sentiment_score":0.39202959883086225},{"text":"Or there's a way they can be set up under your name with them as beneficiaries.","start":497.21503,"end":501.795,"sentiment":"neutral","sentiment_score":0.30347008630633354},{"text":"So at it, again, a certain point in time, it can change over to them, which gives them the option of continuing the investment bond if they choose to do so.","start":502.575,"end":512.93,"sentiment":"neutral","sentiment_score":0.15372959572461345}],"sentiment":"neutral","sentiment_score":0.27379851715754616,"num_words":113,"start":473.365,"end":512.93},{"sentences":[{"text":"But then it's kind of it's in your name, but they are the beneficiaries of it.","start":513.55,"end":517.97003,"sentiment":"neutral","sentiment_score":0.1374916061758995},{"text":"Do you have a preference of what you think or your arrangement?","start":518.35004,"end":522.275,"sentiment":"neutral","sentiment_score":0.024797651451081038},{"text":"It will be the same.","start":525.695,"end":526.995,"sentiment":"neutral","sentiment_score":0.14886423647403718},{"text":"So it would be exactly the same as the benefit of so some people do the child bond because then it's like, okay.","start":527.055,"end":534.49,"sentiment":"neutral","sentiment_score":0.2697194315817045},{"text":"Well, at a certain age, it's this.","start":534.49,"end":536.83,"sentiment":"neutral","sentiment_score":0.24895167350769043}],"sentiment":"neutral","sentiment_score":0.17758678316715218,"num_words":63,"start":513.55,"end":536.83},{"sentences":[{"text":"And that makes it kind of potentially easier in your situation where it's like, okay.","start":537.05,"end":541.93,"sentiment":"positive","sentiment_score":0.4088553468386332},{"text":"Well, the bonds are in your children's name.","start":541.93,"end":544.83,"sentiment":"neutral","sentiment_score":0.18579819798469543},{"text":"The other option is, yeah, it's in your number.","start":545.85,"end":548.725,"sentiment":"neutral","sentiment_score":0.2063890215423372},{"text":"They are the beneficiary on it, which you could then show, and that just gives them the flexibility.","start":548.725,"end":554.265,"sentiment":"neutral","sentiment_score":0.2958795411719216},{"text":"So let's say we do the child bond, and then let's say when they turn 18, they have all the money, they obviously will then be vested.","start":554.565,"end":562.67,"sentiment":"neutral","sentiment_score":0.20499854231322254}],"sentiment":"neutral","sentiment_score":0.26412349823233366,"num_words":77,"start":537.05,"end":562.67},{"sentences":[{"text":"So they will get it in cash.","start":562.67,"end":564.02997,"sentiment":"neutral","sentiment_score":0.29165448248386383},{"text":"So they don't have to pay tax on it.","start":564.02997,"end":565.88995,"sentiment":"neutral","sentiment_score":0.23105314373970032},{"text":"It's theirs to do what they want.","start":566.67,"end":568.29,"sentiment":"positive","sentiment_score":0.36242672375270296},{"text":"But if they go, oh, I want to start a new investment bond, for example, they would obviously have to start that ten year time frame.","start":568.58997,"end":575.805,"sentiment":"neutral","sentiment_score":0.16651601602251714},{"text":"The benefit of the other way is if they just change the ownership to them, they don't have to reset the time frame.","start":576.365,"end":583.40497,"sentiment":"neutral","sentiment_score":0.30072512186091876}],"sentiment":"neutral","sentiment_score":0.248668624398609,"num_words":72,"start":562.67,"end":583.40497},{"sentences":[{"text":"They could keep that investment bond going if that's what they wanted to without trigger that new ten year time frame.","start":583.40497,"end":591.95,"sentiment":"neutral","sentiment_score":0.267942508771306},{"text":"So that's kind of, like, the the option.","start":591.95,"end":594.21,"sentiment":"neutral","sentiment_score":0.1636171219870448},{"text":"Yes.","start":600.11005,"end":600.61005,"sentiment":"neutral","sentiment_score":0.1996554732322693},{"text":"So it will it will be there, but it will be, like, because you are setting it up, so you would be, like, the owner even though it's in their name.","start":601.47003,"end":609.255,"sentiment":"neutral","sentiment_score":0.19805209410767402},{"text":"Yes.","start":610.675,"end":611.175,"sentiment":"neutral","sentiment_score":0.11075812578201294}],"sentiment":"neutral","sentiment_score":0.21589932542654774,"num_words":62,"start":583.40497,"end":611.175},{"sentences":[{"text":"No.","start":623.73,"end":624.23,"sentiment":"neutral","sentiment_score":-0.21368926763534543},{"text":"No.","start":625.57,"end":626.07,"sentiment":"neutral","sentiment_score":-0.2201823890209198},{"text":"No.","start":626.13,"end":626.52997,"sentiment":"neutral","sentiment_score":-0.22197023034095764},{"text":"So this is where the bonds are very effective, and that's different to your IDPS.","start":626.52997,"end":631.99,"sentiment":"neutral","sentiment_score":-0.09708672165870666},{"text":"So, obviously, why with your IDPS, obviously, earnings on that, you have to declare with selling it down that we will be capital gains tax.","start":632.05,"end":640.445,"sentiment":"neutral","sentiment_score":-0.1133475784957409}],"sentiment":"neutral","sentiment_score":-0.11501935289003128,"num_words":43,"start":623.73,"end":640.445},{"sentences":[{"text":"So that will be something that obviously would will be payable by by you personally.","start":640.445,"end":645.505,"sentiment":"neutral","sentiment_score":0.05596757406989734},{"text":"But within the bond, no.","start":645.885,"end":647.825,"sentiment":"neutral","sentiment_score":-0.07812391147017479},{"text":"So anything kind of in the bond, it gets taxed within the bond itself at a concessional rate.","start":648.05,"end":653.82996,"sentiment":"neutral","sentiment_score":-0.12569364077515072},{"text":"It's kind of treated as like a life insurance product, so it's not something that you pay tax on yourself.","start":654.20996,"end":661.275,"sentiment":"neutral","sentiment_score":-0.055107042635791005},{"text":"It doesn't get added to your taxable income.","start":661.575,"end":663.995,"sentiment":"neutral","sentiment_score":-0.08173822674143594}],"sentiment":"neutral","sentiment_score":-0.054085426468218706,"num_words":66,"start":640.445,"end":663.995},{"sentences":[{"text":"And if you've had it for that ten year time frame, it does not get added to either your or your children's capital gains tax or anything like that.","start":664.455,"end":673.735,"sentiment":"neutral","sentiment_score":-0.021340712904930115},{"text":"And that's why this kind of way of investing for kids and personally as well become really tax effective if you have that ten year time frame.","start":673.735,"end":683.52997,"sentiment":"neutral","sentiment_score":0.3287703372814037},{"text":"Yeah.","start":685.19,"end":685.69,"sentiment":"neutral","sentiment_score":-0.017109958454966545},{"text":"Because it would depend on the arrangement you guys have.","start":692.995,"end":696.515,"sentiment":"neutral","sentiment_score":-0.04543512687087059},{"text":"But because if it's not in your name, and I will I will triple check the two options.","start":696.515,"end":702.375,"sentiment":"neutral","sentiment_score":-0.08422737196087837}],"sentiment":"neutral","sentiment_score":0.07376899423406405,"num_words":85,"start":664.455,"end":702.375},{"sentences":[{"text":"So if it's a child one in your child's name, then it's technically not your asset.","start":702.595,"end":707.31,"sentiment":"neutral","sentiment_score":-0.09434659290127456},{"text":"So I don't see how that would then impact anything, but I'd wanna I'll go and triple check it.","start":708.08997,"end":714.67,"sentiment":"neutral","sentiment_score":-0.10167020376263138},{"text":"But if it's in your like, if you are the owner of the benefit like, of the investment bond and they are just the beneficiary, then technically, it could still be in your name, and that could be an asset, if that makes sense.","start":715.05,"end":729.6,"sentiment":"neutral","sentiment_score":0.06184887932613492},{"text":"Yep.","start":735.6,"end":736.07996,"sentiment":"neutral","sentiment_score":0.03238995000720024},{"text":"Yep.","start":736.07996,"end":736.48,"sentiment":"neutral","sentiment_score":0.04428626224398613}],"sentiment":"neutral","sentiment_score":-0.007941388337151434,"num_words":81,"start":702.595,"end":736.48},{"sentences":[{"text":"Okay.","start":736.48,"end":736.88,"sentiment":"neutral","sentiment_score":0.07735459506511688},{"text":"Yep.","start":736.88,"end":737.19995,"sentiment":"neutral","sentiment_score":0.05208485573530197},{"text":"No.","start":737.19995,"end":737.44,"sentiment":"neutral","sentiment_score":0.0103469118475914},{"text":"That's fine.","start":737.44,"end":738.18,"sentiment":"neutral","sentiment_score":0.08709796145558357},{"text":"I can look at both options.","start":738.48,"end":740.1,"sentiment":"neutral","sentiment_score":0.10891144101818402}],"sentiment":"neutral","sentiment_score":0.0879500846971165,"num_words":11,"start":736.48,"end":740.1},{"sentences":[{"text":"And if it's mainly for the children for com like, Simplicities, maybe the investment like, the child bond, but I'll look at both options to see the flexibility of making sure that, obviously, you still have the the capacity to obviously change and do all of that and not impacting the child support payments.","start":740.31995,"end":760.11,"sentiment":"neutral","sentiment_score":0.11212269948036582},{"text":"Payments.","start":762.58997,"end":763.08997,"sentiment":"neutral","sentiment_score":0.08950652927160263},{"text":"Yes.","start":766.51,"end":766.91,"sentiment":"neutral","sentiment_score":0.1302829384803772},{"text":"Yes.","start":766.91,"end":767.31,"sentiment":"neutral","sentiment_score":0.127812922000885},{"text":"Yep.","start":767.31,"end":767.63,"sentiment":"neutral","sentiment_score":0.13903295993804932}],"sentiment":"neutral","sentiment_score":0.112780364166046,"num_words":58,"start":740.31995,"end":767.63},{"sentences":[{"text":"Okay.","start":767.63,"end":768.02997,"sentiment":"neutral","sentiment_score":0.32473212480545044},{"text":"Beautiful.","start":768.02997,"end":768.52997,"sentiment":"positive","sentiment_score":0.6850866079330444},{"text":"That is good.","start":769.07,"end":770.20996,"sentiment":"positive","sentiment_score":0.7024555603663126},{"text":"Anything else that's important to you when it comes to the investment or anything else I need to know about?","start":770.67,"end":775.81,"sentiment":"neutral","sentiment_score":0.20917768366634845},{"text":"No.","start":778.805,"end":779.20496,"sentiment":"neutral","sentiment_score":-0.035766858607530594}],"sentiment":"neutral","sentiment_score":0.2794220087906489,"num_words":26,"start":767.63,"end":779.20496},{"sentences":[{"text":"Yep.","start":779.20496,"end":779.52496,"sentiment":"neutral","sentiment_score":0.031087219715118408},{"text":"Okay.","start":779.52496,"end":779.845,"sentiment":"neutral","sentiment_score":0.15351247787475586},{"text":"Perfect.","start":779.845,"end":780.08496,"sentiment":"positive","sentiment_score":0.36162152886390686},{"text":"I think we've spoken about this a few times, so I have a pretty good pretty good idea of what I'm I'm thinking.","start":780.08496,"end":785.94495,"sentiment":"neutral","sentiment_score":0.3150174067072246},{"text":"So I just need to finalize, obviously, all the research and put it into a recommendation for you.","start":786.64496,"end":792.56,"sentiment":"neutral","sentiment_score":0.26989806360668606}],"sentiment":"neutral","sentiment_score":0.2874951528554613,"num_words":44,"start":779.20496,"end":792.56},{"sentences":[{"text":"Now to obviously make it quicker from a time frame point of view, I'll book you in for the presentation now while I do have you on the phone.","start":794.06,"end":804.08,"sentiment":"neutral","sentiment_score":0.23592462056669697},{"text":"It will take me about a week to put it together.","start":805.115,"end":808.415,"sentiment":"neutral","sentiment_score":0.124598813327876},{"text":"When is the best time for yourself?","start":810.395,"end":812.735,"sentiment":"neutral","sentiment_score":0.07888957858085632},{"text":"Yep.","start":815.435,"end":815.935,"sentiment":"neutral","sentiment_score":0.04433811828494072},{"text":"I could potentially do let me see here.","start":820.94,"end":824.72,"sentiment":"neutral","sentiment_score":0.07347099855542183}],"sentiment":"neutral","sentiment_score":0.1677988232113421,"num_words":56,"start":794.06,"end":824.72},{"sentences":[{"text":"I could potentially do Wednesday, the twenty sixth, or it would be the week after.","start":826.3,"end":835.675,"sentiment":"neutral","sentiment_score":0.07511353616913159},{"text":"I could do the Tuesday or the Wednesday.","start":835.675,"end":838.975,"sentiment":"neutral","sentiment_score":0.07396477181464434},{"text":"Okay.","start":846.875,"end":847.195,"sentiment":"neutral","sentiment_score":0.1519951969385147},{"text":"Perfect.","start":847.195,"end":847.695,"sentiment":"positive","sentiment_score":0.4235687255859375},{"text":"So I can do either at 9AM, or I could do at 01:30, or I could do 03:00.","start":847.915,"end":857.79,"sentiment":"neutral","sentiment_score":0.0680378091832002}],"sentiment":"neutral","sentiment_score":0.08182943499712057,"num_words":43,"start":826.3,"end":857.79},{"sentences":[{"text":"01:30?","start":860.89,"end":861.61,"sentiment":"neutral","sentiment_score":0.018445299938321114},{"text":"Okay.","start":861.61,"end":862.09,"sentiment":"neutral","sentiment_score":0.1834676563739777},{"text":"Beautiful.","start":862.09,"end":862.59,"sentiment":"positive","sentiment_score":0.5031152367591858},{"text":"So I will book that in on Tuesday the first at 01:30.","start":863.115,"end":867.455,"sentiment":"neutral","sentiment_score":0.18474479826788107},{"text":"If anything does change and you can't make it, just let me know, and I can always get it amended for you.","start":867.995,"end":876.815,"sentiment":"neutral","sentiment_score":0.08411854742602869}],"sentiment":"neutral","sentiment_score":0.12898848150428888,"num_words":37,"start":860.89,"end":876.815},{"sentences":[{"text":"Do you want me to add a signature in when I prepare the document so Haley can sign off on it as well so it's, like, official from that point of view as well?","start":878.29,"end":887.19,"sentiment":"neutral","sentiment_score":0.12562128112596624},{"text":"Yep.","start":889.89,"end":890.39,"sentiment":"neutral","sentiment_score":0.041178490966558456},{"text":"Yep.","start":891.08997,"end":891.57,"sentiment":"neutral","sentiment_score":0.13573312759399414},{"text":"Okay.","start":891.57,"end":892.07,"sentiment":"neutral","sentiment_score":0.23940202593803409},{"text":"Perfect.","start":892.21,"end":892.71,"sentiment":"positive","sentiment_score":0.5337785482406616}],"sentiment":"neutral","sentiment_score":0.1374004145005816,"num_words":38,"start":878.29,"end":892.71},{"sentences":[{"text":"That is good.","start":894.245,"end":895.38495,"sentiment":"positive","sentiment_score":0.5757980346679688},{"text":"That is booked in on Tuesday, the September 1, which is crazy.","start":895.845,"end":899.865,"sentiment":"neutral","sentiment_score":0.0993777378462255},{"text":"It's September already at at 01:30PM.","start":900.005,"end":905.545,"sentiment":"neutral","sentiment_score":0.05006655491888523},{"text":"Yes.","start":911.07,"end":911.57,"sentiment":"neutral","sentiment_score":0.0744091048836708},{"text":"That yes.","start":912.50995,"end":915.70996,"sentiment":"neutral","sentiment_score":0.13228893280029297}],"sentiment":"neutral","sentiment_score":0.14830471908984086,"num_words":24,"start":894.245,"end":915.70996},{"sentences":[{"text":"That will be great.","start":915.70996,"end":916.75,"sentiment":"positive","sentiment_score":0.4869971498847008},{"text":"That will be amazing because then that way I have that.","start":916.75,"end":919.47,"sentiment":"neutral","sentiment_score":0.2586430609226227},{"text":"Yeah.","start":919.47,"end":919.79,"sentiment":"neutral","sentiment_score":0.0939016342163086},{"text":"And you have my email address.","start":919.79,"end":921.32996,"sentiment":"neutral","sentiment_score":0.06816123736401399},{"text":"Still?","start":921.985,"end":922.485,"sentiment":"neutral","sentiment_score":0.04497227072715759}],"sentiment":"neutral","sentiment_score":0.23221319994848708,"num_words":23,"start":915.70996,"end":922.485},{"sentences":[{"text":"Yeah.","start":922.625,"end":922.785,"sentiment":"neutral","sentiment_score":0.152919203042984},{"text":"Okay.","start":922.785,"end":923.02496,"sentiment":"neutral","sentiment_score":0.3149767816066742},{"text":"Beautiful.","start":923.02496,"end":923.425,"sentiment":"positive","sentiment_score":0.6136511564254761},{"text":"If you could send that through when you have a moment, that will be fantastic.","start":923.425,"end":926.00494,"sentiment":"positive","sentiment_score":0.5331428090731303},{"text":"And then I could prove that we can do this with the money as well, when I put it all together.","start":926.625,"end":931.745,"sentiment":"neutral","sentiment_score":0.3179281141076769}],"sentiment":"positive","sentiment_score":0.40397896598546934,"num_words":39,"start":922.625,"end":931.745},{"sentences":[{"text":"So that's great.","start":931.745,"end":932.725,"sentiment":"positive","sentiment_score":0.5823647777239481},{"text":"No worries.","start":934.865,"end":935.345,"sentiment":"neutral","sentiment_score":0.1870446354150772},{"text":"Well, that was essentially everything that I needed to just confirm with you today.","start":935.345,"end":938.63,"sentiment":"positive","sentiment_score":0.33481369274003164},{"text":"So pretty straightforward.","start":938.63,"end":939.67,"sentiment":"positive","sentiment_score":0.44441433747609455},{"text":"But do you have any other questions for me before I let you go and enjoy the rest of the afternoon?","start":939.67,"end":943.93,"sentiment":"neutral","sentiment_score":0.23208189613762356}],"sentiment":"neutral","sentiment_score":0.30268693334141444,"num_words":43,"start":931.745,"end":943.93},{"sentences":[{"text":"No.","start":945.91,"end":946.15,"sentiment":"neutral","sentiment_score":-0.0287882499396801},{"text":"Okay.","start":946.15,"end":946.39,"sentiment":"neutral","sentiment_score":0.008762877434492111},{"text":"If anything you do think of anything before, obviously, Tuesday the first, just let me know or send me an email.","start":946.39,"end":951.77,"sentiment":"neutral","sentiment_score":0.028923669652569862},{"text":"But, otherwise, I look forward to speaking with you on Tuesday the first at 01:30.","start":952.115,"end":956.695,"sentiment":"positive","sentiment_score":0.461019038160642},{"text":"Beautiful.","start":959.15497,"end":959.635,"sentiment":"positive","sentiment_score":0.8832536935806274}],"sentiment":"neutral","sentiment_score":0.21502335785100093,"num_words":39,"start":945.91,"end":959.635},{"sentences":[{"text":"You enjoy the rest of your week.","start":959.635,"end":961.255,"sentiment":"positive","sentiment_score":0.8368664043290275},{"text":"Thanks.","start":962.755,"end":963.255,"sentiment":"positive","sentiment_score":0.7481397986412048},{"text":"Bye.","start":963.315,"end":963.815,"sentiment":"neutral","sentiment_score":-0.11153463274240494}],"sentiment":"positive","sentiment_score":0.7216299995779991,"num_words":9,"start":959.635,"end":963.815}]}}]},{"alternatives":[{"transcript":"Hello. Ben speaking. Good. Thanks. How are you, Veronica? Good. Yeah. Perfect, Tom. Uh-huh. Yep. That's fine. Yeah. So Benjamin James clear '90 twenty fifth of the twelfth nineteen ninety one and 28 1289 Castleway. Yep. Everything's settled. Yeah. So yep. Yep. So we can look at doing the the kids accounts. And then, obviously, once that's prepared, I've just gotta show it to Hailey. As per the consent orders, I'm just gonna show it to her and then she can then she will sign it over. Yep. Yeah. That's right. Yep. Yeah. Yeah. The consent orders say I have ninety days to do it. So which is obviously, yep, get the paperwork to solve what we're gonna do with it then. Obviously, it'll have to go to her adviser to discuss it with her, and then, obviously, she will then sign over to me to be the trustee and owner of it. Mhmm. That's that's correct. Yes. Hello? I would say because my daughter's only about to turn eight this October, and my son's only turning six this October. So I would say probably ten years minimum. I would I would say that that would be about standard, wouldn't it be? Mhmm. Yep. Mhmm. Yeah. Yes. Yes. It would. Yeah. Of course. Alright. Your full name? My daughter is Abigail Charlotte Clear. Twenty third of the tenth twenty eighteen. William Edward Clea. Twenty eighth of the tenth twenty twenty. Yep. Yeah. I think I was normally mid range, but not high risk. And I want I do want it to that's sort of middle. Yep. Mhmm. Yeah. That's correct. Yes. Yeah. I'd probably set up to try and do some regular ones. Is there, like, a minimum yep. Okay. Yep. Mhmm. Yep. Okay. Okay. Yep. Yep. Okay. Yeah. I'll probably look at about $20.20 dollar mark a week. Yeah. Yep. Maybe even if you try to do a $10 one as well. Yep. Yep. Yep. Yep. Yep. Mhmm. Okay. What what what is best for tax? Okay. Yep. Yeah. Mhmm. Yep. Yep. Mhmm. Yep. Mhmm. Right. Okay. Do I still have control of it even if I put it into their name? Okay. Yep. Yep. Okay. And would this, you may not know the answer to this, would this, obviously, because it makes money, would that go towards when I do my tax returns? I have to declare that or no? Mhmm. Yep. Yep. Mhmm. Okay. Because I'm I'm only thinking as well, like, it will it would check my affect my child support payments. Mhmm. Yep. Yeah. Because yeah. Ideally, I'd like it not to put my child support payments up. Yeah. Yep. Yeah. I'd just like to have the control over it, but I'm happy to sort of go into the kids' names. Yeah. No. Not that I can think of at the moment. Yep. Mhmm. Yeah. I'm just looking at my calendar. Are you so you're thinking maybe not next week, the week after? Tuesday. Yeah. I can do the Tuesday. What times have you got available on the Tuesday, the first? Yep. Let's do 01:30, please. Yes. Yeah. We'll have to after we've, yeah, made the decision on it. Absolutely. Yeah. And what I can do as well, I can take a snippet of the consent orders for this joint account and send it to you. That's what we have to abide by. Yeah. I'll do I'll do that. Yeah. I do. I do. Yeah. No problem. No worries. Thank you. Yeah. Nothing at the moment. Yep. Perfect. Perfect. Alright. I'll talk to you then. You too. 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Ben speaking. Good. Thanks. How are you, Veronica?\n\nGood. Yeah. Perfect, Tom. Uh-huh. Yep.\n\nThat's fine. Yeah. So Benjamin James clear '90 twenty fifth of the twelfth nineteen ninety one and 28 1289 Castleway. Yep. Everything's settled.\n\nYeah. So yep. Yep. So we can look at doing the the kids accounts. And then, obviously, once that's prepared, I've just gotta show it to Hailey.\n\nAs per the consent orders, I'm just gonna show it to her and then she can then she will sign it over. Yep. Yeah. That's right. Yep.\n\nYeah. Yeah. The consent orders say I have ninety days to do it. So which is obviously, yep, get the paperwork to solve what we're gonna do with it then. Obviously, it'll have to go to her adviser to discuss it with her, and then, obviously, she will then sign over to me to be the trustee and owner of it.\n\nMhmm. That's that's correct. Yes. Hello? I would say because my daughter's only about to turn eight this October, and my son's only turning six this October.\n\nSo I would say probably ten years minimum. I would I would say that that would be about standard, wouldn't it be? Mhmm. Yep. Mhmm.\n\nYeah. Yes. Yes. It would. Yeah.\n\nOf course. Alright. Your full name? My daughter is Abigail Charlotte Clear. Twenty third of the tenth twenty eighteen.\n\nWilliam Edward Clea. Twenty eighth of the tenth twenty twenty. Yep. Yeah. I think I was normally mid range, but not high risk.\n\nAnd I want I do want it to that's sort of middle. Yep. Mhmm. Yeah. That's correct.\n\nYes. Yeah. I'd probably set up to try and do some regular ones. Is there, like, a minimum yep. Okay.\n\nYep. Mhmm. Yep. Okay. Okay.\n\nYep. Yep. Okay. Yeah. I'll probably look at about $20.20 dollar mark a week.\n\nYeah. Yep. Maybe even if you try to do a $10 one as well. Yep. Yep.\n\nYep. Yep. Yep. Mhmm. Okay.\n\nWhat what what is best for tax? Okay. Yep. Yeah. Mhmm.\n\nYep. Yep. Mhmm. Yep. Mhmm.\n\nRight. Okay. Do I still have control of it even if I put it into their name? Okay. Yep.\n\nYep. Okay. And would this, you may not know the answer to this, would this, obviously, because it makes money, would that go towards when I do my tax returns? I have to declare that or no? Mhmm.\n\nYep. Yep. Mhmm. Okay. Because I'm I'm only thinking as well, like, it will it would check my affect my child support payments.\n\nMhmm. Yep. Yeah. Because yeah. Ideally, I'd like it not to put my child support payments up.\n\nYeah. Yep. Yeah. I'd just like to have the control over it, but I'm happy to sort of go into the kids' names. Yeah.\n\nNo. Not that I can think of at the moment. Yep. Mhmm. Yeah.\n\nI'm just looking at my calendar. Are you so you're thinking maybe not next week, the week after? Tuesday. Yeah. I can do the Tuesday.\n\nWhat times have you got available on the Tuesday, the first? Yep. Let's do 01:30, please. Yes. Yeah.\n\nWe'll have to after we've, yeah, made the decision on it. Absolutely. Yeah. And what I can do as well, I can take a snippet of the consent orders for this joint account and send it to you. That's what we have to abide by.\n\nYeah. I'll do I'll do that. Yeah. I do. I do.\n\nYeah. No problem. No worries. Thank you. Yeah.\n\nNothing at the moment. Yep. Perfect. Perfect. Alright.\n\nI'll talk to you then. You too. Take care.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.48,"end":0.88,"sentiment":"neutral","sentiment_score":0.03461254760622978},{"text":"Ben speaking.","start":0.88,"end":1.62,"sentiment":"neutral","sentiment_score":0.03375157527625561},{"text":"Good.","start":5.7599998,"end":6.0,"sentiment":"positive","sentiment_score":0.5003900527954102},{"text":"Thanks.","start":6.0,"end":6.16,"sentiment":"positive","sentiment_score":0.5575016736984253},{"text":"How are you, Veronica?","start":6.16,"end":7.14,"sentiment":"neutral","sentiment_score":0.28414665162563324}],"sentiment":"neutral","sentiment_score":0.2551771145727899,"num_words":9,"start":0.48,"end":7.14},{"sentences":[{"text":"Good.","start":9.599999,"end":10.099999,"sentiment":"positive","sentiment_score":0.5308114290237427},{"text":"Yeah.","start":13.92,"end":14.16,"sentiment":"neutral","sentiment_score":0.2075348794460297},{"text":"Perfect, 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orders, I'm just gonna show it to her and then she can then she will sign it over.","start":66.06,"end":70.8,"sentiment":"neutral","sentiment_score":0.07832004163752902},{"text":"Yep.","start":82.034996,"end":82.534996,"sentiment":"neutral","sentiment_score":0.0186915323138237},{"text":"Yeah.","start":82.59499,"end":83.075,"sentiment":"neutral","sentiment_score":0.0419587604701519},{"text":"That's right.","start":83.075,"end":83.814995,"sentiment":"neutral","sentiment_score":0.06850065849721432},{"text":"Yep.","start":85.38,"end":85.7,"sentiment":"neutral","sentiment_score":0.03374902531504631}],"sentiment":"neutral","sentiment_score":0.07238672411552181,"num_words":27,"start":66.06,"end":85.7},{"sentences":[{"text":"Yeah.","start":85.7,"end":85.94,"sentiment":"neutral","sentiment_score":0.03728582710027695},{"text":"Yeah.","start":85.94,"end":86.18,"sentiment":"neutral","sentiment_score":0.02396503835916519},{"text":"The consent orders say I have ninety days to do 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eighteen.","start":225.075,"end":229.34,"sentiment":"neutral","sentiment_score":0.02190706000796386}],"sentiment":"neutral","sentiment_score":0.03621319073595499,"num_words":19,"start":211.09,"end":229.34},{"sentences":[{"text":"William Edward Clea.","start":233.8,"end":235.26,"sentiment":"neutral","sentiment_score":0.09024706358710925},{"text":"Twenty eighth of the tenth twenty twenty.","start":240.68,"end":243.63501,"sentiment":"neutral","sentiment_score":0.0334374343178102},{"text":"Yep.","start":273.325,"end":273.825,"sentiment":"neutral","sentiment_score":0.12299885600805284},{"text":"Yeah.","start":279.965,"end":280.465,"sentiment":"neutral","sentiment_score":0.009057534858584404},{"text":"I think I was normally mid range, but not high risk.","start":290.44,"end":293.34,"sentiment":"neutral","sentiment_score":-0.06308811733668501}],"sentiment":"neutral","sentiment_score":-0.0024830290804738584,"num_words":23,"start":233.8,"end":293.34},{"sentences":[{"text":"And I want I do want it to that's sort of middle.","start":294.52,"end":297.1,"sentiment":"neutral","sentiment_score":0.034265803173184395},{"text":"Yep.","start":299.985,"end":300.485,"sentiment":"neutral","sentiment_score":0.18026325106620789},{"text":"Mhmm.","start":307.0725,"end":307.5725,"sentiment":"neutral","sentiment_score":0.034753743559122086},{"text":"Yeah.","start":327.44,"end":327.915,"sentiment":"neutral","sentiment_score":0.0008572768419981003},{"text":"That's correct.","start":331.275,"end":331.915,"sentiment":"neutral","sentiment_score":0.08439464867115021}],"sentiment":"neutral","sentiment_score":0.04681489452281419,"num_words":17,"start":294.52,"end":331.915},{"sentences":[{"text":"Yes.","start":331.915,"end":332.415,"sentiment":"neutral","sentiment_score":0.1239168345928192},{"text":"Yeah.","start":342.6,"end":342.84003,"sentiment":"neutral","sentiment_score":0.08917682617902756},{"text":"I'd probably set up to try and do some regular ones.","start":342.84003,"end":345.42,"sentiment":"neutral","sentiment_score":0.11582761799747293},{"text":"Is there, like, a minimum yep.","start":346.28003,"end":353.42,"sentiment":"neutral","sentiment_score":-0.007278194651007652},{"text":"Okay.","start":357.415,"end":357.915,"sentiment":"neutral","sentiment_score":0.04142237827181816}],"sentiment":"neutral","sentiment_score":0.07424753345549107,"num_words":20,"start":331.915,"end":357.915},{"sentences":[{"text":"Yep.","start":361.975,"end":362.475,"sentiment":"neutral","sentiment_score":0.24531327188014984},{"text":"Mhmm.","start":368.295,"end":368.795,"sentiment":"neutral","sentiment_score":0.02862158976495266},{"text":"Yep.","start":373.53,"end":374.03,"sentiment":"neutral","sentiment_score":0.18480615317821503},{"text":"Okay.","start":396.205,"end":396.525,"sentiment":"neutral","sentiment_score":0.11512327194213869},{"text":"Okay.","start":396.525,"end":397.025,"sentiment":"neutral","sentiment_score":0.1163305938243866}],"sentiment":"neutral","sentiment_score":0.13803897611796856,"num_words":5,"start":361.975,"end":397.025},{"sentences":[{"text":"Yep.","start":406.43002,"end":406.93002,"sentiment":"neutral","sentiment_score":0.1669275015592575},{"text":"Yep.","start":413.04498,"end":413.54498,"sentiment":"neutral","sentiment_score":0.1453496515750885},{"text":"Okay.","start":427.685,"end":428.185,"sentiment":"neutral","sentiment_score":0.092480406165123},{"text":"Yeah.","start":434.37,"end":434.77,"sentiment":"neutral","sentiment_score":0.0432850643992424},{"text":"I'll probably look at about $20.20 dollar mark a week.","start":434.77,"end":437.59,"sentiment":"neutral","sentiment_score":0.04728095307946205}],"sentiment":"neutral","sentiment_score":0.06577515389238085,"num_words":14,"start":406.43002,"end":437.59},{"sentences":[{"text":"Yeah.","start":442.37,"end":442.77,"sentiment":"neutral","sentiment_score":0.06758525967597961},{"text":"Yep.","start":442.77,"end":443.27,"sentiment":"neutral","sentiment_score":0.0642726868391037},{"text":"Maybe even if you try to do a $10 one as well.","start":454.605,"end":457.425,"sentiment":"neutral","sentiment_score":0.0071274096456666785},{"text":"Yep.","start":475.415,"end":475.915,"sentiment":"neutral","sentiment_score":0.13028520345687866},{"text":"Yep.","start":485.55002,"end":486.05002,"sentiment":"neutral","sentiment_score":0.040304046124219894}],"sentiment":"neutral","sentiment_score":0.024248506990261376,"num_words":16,"start":442.37,"end":486.05002},{"sentences":[{"text":"Yep.","start":492.75,"end":493.25,"sentiment":"positive","sentiment_score":0.3772023916244507},{"text":"Yep.","start":496.755,"end":497.255,"sentiment":"neutral","sentiment_score":0.276374876499176},{"text":"Yep.","start":503.3025,"end":503.8025,"sentiment":"neutral","sentiment_score":0.15379565954208374},{"text":"Mhmm.","start":509.85,"end":510.35,"sentiment":"neutral","sentiment_score":0.15484410524368286},{"text":"Okay.","start":518.49,"end":518.99,"sentiment":"neutral","sentiment_score":0.05248625949025154}],"sentiment":"neutral","sentiment_score":0.20294065847992898,"num_words":5,"start":492.75,"end":518.99},{"sentences":[{"text":"What what what is best for tax?","start":521.13,"end":524.685,"sentiment":"neutral","sentiment_score":0.00495069580418723},{"text":"Okay.","start":527.225,"end":527.725,"sentiment":"neutral","sentiment_score":0.2412091493606567},{"text":"Yep.","start":537.13,"end":537.63,"sentiment":"positive","sentiment_score":0.4114843010902405},{"text":"Yeah.","start":544.97,"end":545.47,"sentiment":"neutral","sentiment_score":0.19003616273403168},{"text":"Mhmm.","start":557.255,"end":557.755,"sentiment":"neutral","sentiment_score":0.17138540744781494}],"sentiment":"neutral","sentiment_score":0.09534271738745949,"num_words":11,"start":521.13,"end":557.755},{"sentences":[{"text":"Yep.","start":560.77496,"end":561.255,"sentiment":"neutral","sentiment_score":0.21986369788646695},{"text":"Yep.","start":561.255,"end":561.755,"sentiment":"neutral","sentiment_score":0.2498665750026703},{"text":"Mhmm.","start":572.26,"end":572.58,"sentiment":"neutral","sentiment_score":0.16071590781211853},{"text":"Yep.","start":572.58,"end":573.08,"sentiment":"neutral","sentiment_score":0.16984283924102783},{"text":"Mhmm.","start":586.105,"end":586.605,"sentiment":"neutral","sentiment_score":0.33208656311035156}],"sentiment":"neutral","sentiment_score":0.22647511661052705,"num_words":5,"start":560.77496,"end":586.605},{"sentences":[{"text":"Right.","start":592.19,"end":592.69,"sentiment":"neutral","sentiment_score":0.2069992423057556},{"text":"Okay.","start":594.75,"end":595.25,"sentiment":"neutral","sentiment_score":0.055385008454322815},{"text":"Do I still have control of it even if I put it into their name?","start":596.02997,"end":599.41,"sentiment":"neutral","sentiment_score":0.013333762685457865},{"text":"Okay.","start":601.565,"end":602.065,"sentiment":"neutral","sentiment_score":0.21356242895126343},{"text":"Yep.","start":609.485,"end":609.805,"sentiment":"neutral","sentiment_score":0.10624709725379944}],"sentiment":"neutral","sentiment_score":0.0411684324866847,"num_words":19,"start":592.19,"end":609.805},{"sentences":[{"text":"Yep.","start":609.805,"end":610.305,"sentiment":"neutral","sentiment_score":0.095234714448452},{"text":"Okay.","start":611.725,"end":612.225,"sentiment":"neutral","sentiment_score":0.05820973217487335},{"text":"And would this, you may not know the answer to this, would this, obviously, because it makes money, would that go towards when I do my tax returns?","start":613.565,"end":623.0,"sentiment":"neutral","sentiment_score":-0.0775405793849911},{"text":"I have to declare that or no?","start":623.54004,"end":625.56,"sentiment":"neutral","sentiment_score":-0.16736337010349547},{"text":"Mhmm.","start":640.71497,"end":640.795,"sentiment":"neutral","sentiment_score":0.031230159103870392}],"sentiment":"neutral","sentiment_score":-0.08310540020465851,"num_words":38,"start":609.805,"end":640.795},{"sentences":[{"text":"Yep.","start":640.795,"end":641.295,"sentiment":"neutral","sentiment_score":0.10657431930303574},{"text":"Yep.","start":646.14,"end":646.64,"sentiment":"neutral","sentiment_score":-0.015578101389110088},{"text":"Mhmm.","start":654.62,"end":655.12,"sentiment":"neutral","sentiment_score":-0.03149714320898056},{"text":"Okay.","start":684.04,"end":684.51996,"sentiment":"neutral","sentiment_score":0.015850279480218887},{"text":"Because I'm I'm only thinking as well, like, it will it would check my affect my child support payments.","start":684.51996,"end":689.82,"sentiment":"neutral","sentiment_score":-0.05602442032020343}],"sentiment":"neutral","sentiment_score":-0.04300498399559571,"num_words":23,"start":640.795,"end":689.82},{"sentences":[{"text":"Mhmm.","start":712.42,"end":712.92,"sentiment":"neutral","sentiment_score":-0.018474450334906575},{"text":"Yep.","start":727.34503,"end":727.84503,"sentiment":"neutral","sentiment_score":0.09989632666110992},{"text":"Yeah.","start":729.96,"end":730.44,"sentiment":"neutral","sentiment_score":0.005776546895503998},{"text":"Because yeah.","start":730.44,"end":731.24,"sentiment":"neutral","sentiment_score":-0.014715812634676695},{"text":"Ideally, I'd like it not to put my child support payments up.","start":731.24,"end":735.82,"sentiment":"neutral","sentiment_score":-0.10261141943434875}],"sentiment":"neutral","sentiment_score":-0.0690335432505783,"num_words":17,"start":712.42,"end":735.82},{"sentences":[{"text":"Yeah.","start":738.52,"end":739.02,"sentiment":"neutral","sentiment_score":0.15417777001857758},{"text":"Yep.","start":750.915,"end":751.415,"sentiment":"neutral","sentiment_score":0.12374430894851685},{"text":"Yeah.","start":760.86,"end":761.18,"sentiment":"neutral","sentiment_score":0.1214197650551796},{"text":"I'd just like to have the control over it, but I'm happy to sort of go into the kids' names.","start":761.18,"end":766.24,"sentiment":"neutral","sentiment_score":0.23830737993121148},{"text":"Yeah.","start":767.58,"end":768.08,"sentiment":"neutral","sentiment_score":0.18670180439949036}],"sentiment":"neutral","sentiment_score":0.2230079686269164,"num_words":24,"start":738.52,"end":768.08},{"sentences":[{"text":"No.","start":776.955,"end":777.195,"sentiment":"neutral","sentiment_score":-0.09964300692081451},{"text":"Not that I can think of at the moment.","start":777.195,"end":778.895,"sentiment":"neutral","sentiment_score":-0.16894380251566568},{"text":"Yep.","start":803.535,"end":804.035,"sentiment":"neutral","sentiment_score":0.15620045363903046},{"text":"Mhmm.","start":812.975,"end":813.055,"sentiment":"neutral","sentiment_score":0.031350553035736084},{"text":"Yeah.","start":813.055,"end":813.295,"sentiment":"neutral","sentiment_score":0.04134436324238777}],"sentiment":"neutral","sentiment_score":-0.10701860458805011,"num_words":13,"start":776.955,"end":813.295},{"sentences":[{"text":"I'm just looking at my calendar.","start":813.295,"end":814.675,"sentiment":"neutral","sentiment_score":0.04017603521545728},{"text":"Are you so you're thinking maybe not next week, the week after?","start":817.01,"end":820.31,"sentiment":"neutral","sentiment_score":0.024512463559707005},{"text":"Tuesday.","start":841.86005,"end":842.36005,"sentiment":"neutral","sentiment_score":0.05564046651124954},{"text":"Yeah.","start":842.74005,"end":842.98004,"sentiment":"neutral","sentiment_score":0.0906337946653366},{"text":"I can do the Tuesday.","start":842.98004,"end":843.86005,"sentiment":"neutral","sentiment_score":0.08443007916212082}],"sentiment":"neutral","sentiment_score":0.04414521723985672,"num_words":25,"start":813.295,"end":843.86005},{"sentences":[{"text":"What times have you got available on the Tuesday, the first?","start":843.86005,"end":846.52,"sentiment":"neutral","sentiment_score":0.009356312326748262},{"text":"Yep.","start":852.98004,"end":853.48004,"sentiment":"neutral","sentiment_score":0.0788564682006836},{"text":"Let's do 01:30, please.","start":858.935,"end":860.795,"sentiment":"neutral","sentiment_score":0.027097006794065237},{"text":"Yes.","start":872.11,"end":872.61,"sentiment":"neutral","sentiment_score":0.07058264315128326},{"text":"Yeah.","start":887.445,"end":887.765,"sentiment":"neutral","sentiment_score":0.026919249445199966}],"sentiment":"neutral","sentiment_score":0.02153699019820326,"num_words":18,"start":843.86005,"end":887.765},{"sentences":[{"text":"We'll have to after we've, yeah, made the decision on it.","start":887.765,"end":890.565,"sentiment":"neutral","sentiment_score":0.03557211888784712},{"text":"Absolutely.","start":890.565,"end":891.065,"sentiment":"neutral","sentiment_score":0.24247419834136963},{"text":"Yeah.","start":896.7,"end":897.2,"sentiment":"neutral","sentiment_score":0.08174164593219757},{"text":"And what I can do as well, I can take a snippet of the consent orders for this joint account and send it to you.","start":897.26,"end":913.15497,"sentiment":"neutral","sentiment_score":0.0790661135315895},{"text":"That's what we have to abide by.","start":913.15497,"end":915.33496,"sentiment":"neutral","sentiment_score":0.07681007630058698}],"sentiment":"neutral","sentiment_score":0.07177405609852738,"num_words":45,"start":887.765,"end":915.33496},{"sentences":[{"text":"Yeah.","start":917.07495,"end":917.475,"sentiment":"neutral","sentiment_score":0.2940751910209656},{"text":"I'll do I'll do that.","start":917.475,"end":918.51495,"sentiment":"positive","sentiment_score":0.3406809389591217},{"text":"Yeah.","start":918.51495,"end":919.01495,"sentiment":"neutral","sentiment_score":0.1447913646697998},{"text":"I do.","start":921.555,"end":922.21497,"sentiment":"neutral","sentiment_score":0.04827572591602802},{"text":"I do.","start":922.27496,"end":922.935,"sentiment":"neutral","sentiment_score":0.08491677418351173}],"sentiment":"neutral","sentiment_score":0.21896875006231395,"num_words":11,"start":917.07495,"end":922.935},{"sentences":[{"text":"Yeah.","start":925.69,"end":926.19,"sentiment":"neutral","sentiment_score":0.2684178352355957},{"text":"No problem.","start":926.25,"end":926.99005,"sentiment":"neutral","sentiment_score":0.2934528887271881},{"text":"No worries.","start":933.21,"end":933.77,"sentiment":"neutral","sentiment_score":0.3123404383659363},{"text":"Thank you.","start":933.77,"end":934.59,"sentiment":"positive","sentiment_score":0.49855688214302063},{"text":"Yeah.","start":944.115,"end":944.51495,"sentiment":"neutral","sentiment_score":0.009876618161797523}],"sentiment":"neutral","sentiment_score":0.3108743589837104,"num_words":8,"start":925.69,"end":944.51495},{"sentences":[{"text":"Nothing at the moment.","start":944.51495,"end":945.57495,"sentiment":"neutral","sentiment_score":-0.02491342183202505},{"text":"Yep.","start":952.115,"end":952.615,"sentiment":"neutral","sentiment_score":0.01563924364745617},{"text":"Perfect.","start":956.26,"end":956.76,"sentiment":"positive","sentiment_score":0.7874710559844971},{"text":"Perfect.","start":957.06,"end":957.38,"sentiment":"positive","sentiment_score":0.7747770547866821},{"text":"Alright.","start":957.38,"end":957.7,"sentiment":"positive","sentiment_score":0.5857670307159424}],"sentiment":"neutral","sentiment_score":0.2580000872258097,"num_words":8,"start":944.51495,"end":957.7},{"sentences":[{"text":"I'll talk to you then.","start":957.7,"end":958.84,"sentiment":"positive","sentiment_score":0.6194808125495911},{"text":"You too.","start":961.3,"end":961.78,"sentiment":"positive","sentiment_score":0.5661869943141937},{"text":"Take care.","start":961.78,"end":962.44,"sentiment":"positive","sentiment_score":0.5564818978309631}],"sentiment":"positive","sentiment_score":0.5936379830042521,"num_words":9,"start":957.7,"end":962.44}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Ben speaking.\n\nChannel 0: Good afternoon, Ben. This is Ranka from IQ Financial. How are you?\n\nChannel 1: Good. Thanks. How are you, Veronica?\n\nChannel 0: Yeah. I'm good. Thanks.\n\nChannel 1: Good.\n\nChannel 0: I had you booked in for a bit of a catch up. So now still a good time?\n\nChannel 1: Yeah. Perfect, Tom.\n\nChannel 0: Yeah. Perfect. Now just for usual, before I do go any further, I need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Uh-huh. Yep. That's fine.\n\nChannel 0: Yep. Perfect. And just for security purposes, even though I can hear you, can I just get you to confirm full name, date of birth, and address?\n\nChannel 1: Yeah. So Benjamin James clear '90 twenty fifth of the twelfth nineteen ninety one and 28\n\nChannel 0: Yep.\n\nChannel 1: 1289 Castleway.\n\nChannel 0: Yep. Perfect. So everything's kind of been settled in the consent order and everything now?\n\nChannel 1: Yep. Everything's\n\nChannel 0: Yep.\n\nChannel 1: settled.\n\nChannel 0: Yep. Perfect. So we can obviously move the money and do what we\n\nChannel 1: Yeah.\n\nChannel 0: want in\n\nChannel 1: So\n\nChannel 0: a way for the kids?\n\nChannel 1: yep. Yep.\n\nChannel 0: Mhmm.\n\nChannel 1: So we can look at doing the the kids accounts. And then, obviously, once\n\nChannel 0: Yep.\n\nChannel 1: that's prepared, I've just gotta show it to Hailey.\n\nChannel 0: Yep.\n\nChannel 1: As per the consent orders, I'm just gonna show it to her and then she can then she will sign it over.\n\nChannel 0: Okay. Okay. Perfect. No. That's good.\n\nYeah. I just wanted to make sure that, obviously, there is some kind of confirmation that we obviously can move it. But if that's her kind of signing off\n\nChannel 1: Yep.\n\nChannel 0: on it,\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: That's\n\nChannel 0: then\n\nChannel 1: right.\n\nChannel 0: we can go ahead and implement, that kind of covers\n\nChannel 1: Yep. Yeah.\n\nChannel 0: that point.\n\nChannel 1: Yeah. The\n\nChannel 0: Just\n\nChannel 1: consent\n\nChannel 0: so.\n\nChannel 1: orders say I have ninety days to do it.\n\nChannel 0: Yep. Okay.\n\nChannel 1: So which is obviously, yep, get the paperwork to solve what we're gonna do with it then. Obviously,\n\nChannel 0: Yep.\n\nChannel 1: it'll have to go to her adviser to discuss\n\nChannel 0: Yep.\n\nChannel 1: it with her, and then, obviously, she will then sign over to me to be\n\nChannel 0: Yep.\n\nChannel 1: the trustee and owner of it.\n\nChannel 0: Okay. Beautiful. That's good. It should be pretty pretty straightforward. A couple\n\nChannel 1: Mhmm.\n\nChannel 0: of things I do wanna just confirm with you as I'm preparing all of it is that the main purpose is obviously investment for your children.\n\nChannel 1: That's\n\nChannel 0: That's, like, basically what we're doing.\n\nChannel 1: that's correct. Yes.\n\nChannel 0: Yep. Perfect. Now time frame wise, do you have a like, obviously, I know it's a long term, but do you have a rough time frame of how long you think these investments will go for? Like, ten, fifteen, five years?\n\nChannel 1: Hello? I would say because my daughter's only about to turn eight this\n\nChannel 0: Mhmm.\n\nChannel 1: October, and my son's only turning six this October.\n\nChannel 0: Yep.\n\nChannel 1: So I would say probably ten years minimum.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: I would I would say that that would be about standard, wouldn't it be?\n\nChannel 0: Yes. Especially because there are a lot of so part of the research, there's a few options that I will look at. And knowing the time frame does kind of narrow down which ones are the most suitable. And ten year time frame is a pretty standard one for a lot of them that we are typically looking at that makes that really tax effective. So that\n\nChannel 1: Mhmm.\n\nChannel 0: is\n\nChannel 1: Yep.\n\nChannel 0: good. If it was a lot shorter, then I might steer away from some options. So having that ten year gives me that full flexibility on researching all of them. Now confirming as well that we are using everything in the IDPS, so, like,\n\nChannel 1: Mhmm.\n\nChannel 0: the\n\nChannel 1: Yeah.\n\nChannel 0: full balance. Yep. And will that be, like, $50.50 between these two kids? Am I right?\n\nChannel 1: Yes. Yes. It would.\n\nChannel 0: Yep. Yep. Okay. Perfect. And if I could just have the children's name of and date of birth as well, please, just\n\nChannel 1: Yeah.\n\nChannel 0: for\n\nChannel 1: Of course.\n\nChannel 0: the the research.\n\nChannel 1: Alright. Your full name?\n\nChannel 0: Yep. Yes, please.\n\nChannel 1: My daughter is Abigail Charlotte Clear.\n\nChannel 0: Okay. Charlotte. Clear. And date of birth? Yep.\n\nChannel 1: Twenty third of the tenth twenty eighteen.\n\nChannel 0: 02/18. Beautiful. And your son?\n\nChannel 1: William Edward Clea.\n\nChannel 0: And his date of birth?\n\nChannel 1: Twenty eighth of the tenth twenty twenty.\n\nChannel 0: 10/2020. Beautiful. Now in terms of risk profile, so there's obviously a lot of different risk profiles similar to, obviously, your super investments that we can look at depending on what you will be comfortable with. Obviously, we have a long time frame. So, obviously, having that ten years from a time frame point of view mean that you can basically fit into any category, but\n\nChannel 1: Yep.\n\nChannel 0: it's also what you are comfortable with because, obviously, this is a bit different through, like, your super investments.\n\nChannel 1: Yeah.\n\nChannel 0: So do you have an idea of, like, what kind of risk profile you would be comfortable with in how the money is invested for them?\n\nChannel 1: I think I was normally mid range, but not high risk.\n\nChannel 0: Yeah. Yep. So\n\nChannel 1: And\n\nChannel 0: kind of\n\nChannel 1: I want\n\nChannel 0: a\n\nChannel 1: I do\n\nChannel 0: growth.\n\nChannel 1: want it to that's sort of middle.\n\nChannel 0: Yeah. Perfect. So we can we can\n\nChannel 1: Yep.\n\nChannel 0: basically tailor it to whatever you want. But unlike the standard scale, you have your aggressive plus, which is, like, your your max\n\nChannel 1: Mhmm.\n\nChannel 0: risk. You're borrowing money against it. You have aggressive high growth growth. Then you have balanced growth, balanced and defensive. So growth seems like, from what you were saying, is a key kind of good split where you do wanna obviously focus on growing it because you do have that ten years, and it's setting them up for their future,\n\nChannel 1: Yeah.\n\nChannel 0: but not like your high growth. Am I reading that correctly?\n\nChannel 1: That's correct. Yes.\n\nChannel 0: Yep. Okay. Beautiful. Now with the investment as well, are you wanting to do regular contributions for them?\n\nChannel 1: Yeah. I'd probably set up to try and do some regular ones.\n\nChannel 0: Yeah.\n\nChannel 1: Is\n\nChannel 0: And\n\nChannel 1: there, like, a\n\nChannel 0: how\n\nChannel 1: minimum\n\nChannel 0: yes and no. No. There is no minimum,\n\nChannel 1: yep.\n\nChannel 0: but there are restrictions on certain bonds. So for\n\nChannel 1: Okay.\n\nChannel 0: example, you could put a dollar a year. There's there's no problem.\n\nChannel 1: Yep.\n\nChannel 0: The only rule is that some bonds, and most of them do have to make that tax effective, is\n\nChannel 1: Mhmm.\n\nChannel 0: that you have something that's called a 125% rule. So\n\nChannel 1: Yep.\n\nChannel 0: what that means is that the following year, you can only contribute a 125% of the previous year's contribution. So even though there's, like, no minimum requirement, if you completely stop, then restarting it again would trigger the time frame, if that makes sense.\n\nChannel 1: Okay. Okay.\n\nChannel 0: So from that, do you have and you can change it. The first year, there is unlimited. So the first\n\nChannel 1: Yep.\n\nChannel 0: year on some of them, you could do, like, okay. I want to do $20 a week or $20\n\nChannel 1: Yep.\n\nChannel 0: a month or $20 every second month, whatever it might be. And that first year, you can make however much or little contributions you want, but then that kind of sets you up for the next couple of years with that 125% rule.\n\nChannel 1: Okay.\n\nChannel 0: So what do you think so I'll obviously factor that in into the research and\n\nChannel 1: Yeah.\n\nChannel 0: projections\n\nChannel 1: I'll\n\nChannel 0: for\n\nChannel 1: probably look at about $20.20 dollar mark a week.\n\nChannel 0: you. Yep. $20. And that would be for each child?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah? Okay. So $20 per week per child. Do you want me to do any other alternatives for you if you feel like that's too much or too\n\nChannel 1: Maybe\n\nChannel 0: little?\n\nChannel 1: even if you try to do a $10 one as well.\n\nChannel 0: Yeah. Yeah. Perfect. Okay. Child per week.\n\nOkay. So per week. Okay. Great. Now there's different ways you can set them up as well.\n\nSo you can have it where it's completely in their name. So it's like a child bond that then gets\n\nChannel 1: Yep.\n\nChannel 0: vested at a certain age. You can set that age. So whether that is at 18, 20, 25, it kind of vests, and then\n\nChannel 1: Yep.\n\nChannel 0: it gets completely tax free to them, and they can obviously do whatever it is that you guys have intended for them, whether that's\n\nChannel 1: Yep.\n\nChannel 0: school fees or car or whatever it might be.\n\nChannel 1: Yep.\n\nChannel 0: Or there's a way they can be set up under your name with them as beneficiaries. So at it, again,\n\nChannel 1: Yep.\n\nChannel 0: a certain point in time, it can change over to them, which gives them the option of continuing\n\nChannel 1: Mhmm.\n\nChannel 0: the investment bond if they choose to do so. But then it's kind of it's in your name, but they are the beneficiaries of it. Do\n\nChannel 1: Okay.\n\nChannel 0: you have a preference of what you think\n\nChannel 1: What\n\nChannel 0: or your arrangement?\n\nChannel 1: what what is best for tax?\n\nChannel 0: It will be the same. So\n\nChannel 1: Okay.\n\nChannel 0: it would be exactly the same as the benefit of so some people do the child bond because then it's like, okay. Well, at a certain age, it's this. And\n\nChannel 1: Yep.\n\nChannel 0: that makes it kind of potentially easier in your situation where it's like, okay. Well, the bonds are in your children's name.\n\nChannel 1: Yeah.\n\nChannel 0: The other option is, yeah, it's in your number. They are the beneficiary on it, which you could then show, and that just gives them the flexibility. So let's say we do the child bond, and\n\nChannel 1: Mhmm.\n\nChannel 0: then let's say when they turn 18, they have all the money,\n\nChannel 1: Yep.\n\nChannel 0: they\n\nChannel 1: Yep.\n\nChannel 0: obviously will then be vested. So they will get it in cash. So they don't have to pay tax on it. It's theirs to do what they want. But if they go, oh, I want to start a new investment bond,\n\nChannel 1: Mhmm.\n\nChannel 0: for example,\n\nChannel 1: Yep.\n\nChannel 0: they would obviously have to start that ten year time frame. The benefit of the other way is if they just change the ownership to them, they don't have to reset the time frame. They could keep that investment bond going\n\nChannel 1: Mhmm.\n\nChannel 0: if that's what they wanted to without trigger that new ten year time frame. So that's\n\nChannel 1: Right.\n\nChannel 0: kind of, like, the the option.\n\nChannel 1: Okay. Do I still have control of it even if I put it into their name?\n\nChannel 0: Yes. So\n\nChannel 1: Okay.\n\nChannel 0: it will it will be there, but it will be, like, because you are setting it up, so you would be, like, the owner even though it's in their name.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yes.\n\nChannel 1: Okay. And would this, you may not know the answer to this, would this, obviously, because it makes money, would that go towards when I do my tax returns? I have\n\nChannel 0: No.\n\nChannel 1: to declare that or no?\n\nChannel 0: No. No. So this is where the bonds are very effective, and that's different to your IDPS. So, obviously, why with your IDPS, obviously, earnings on that, you have to declare with selling it down that we will be capital gains tax. So that\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: will be something that obviously would will be payable by by you personally. But within\n\nChannel 1: Yep.\n\nChannel 0: the bond, no. So anything kind of in the bond, it gets taxed within the bond itself at a concessional rate. It's kind\n\nChannel 1: Mhmm.\n\nChannel 0: of treated as like a life insurance product, so it's not something that you pay tax on yourself. It doesn't get added to your taxable income. And if you've had it for that ten year time frame, it does not get added to either your or your children's capital gains tax or anything like that. And that's why this kind of way of investing for kids and personally as well become really tax effective if you have that ten year time frame.\n\nChannel 1: Okay. Because I'm I'm\n\nChannel 0: Yeah.\n\nChannel 1: only thinking as well, like, it will it would check my affect my child support payments.\n\nChannel 0: Because it would depend on the arrangement you guys have. But because if it's not in your name, and I will I will triple check the two options. So if it's a child one in your child's name, then it's technically not your asset. So I don't see how that would then impact anything, but I'd wanna\n\nChannel 1: Mhmm.\n\nChannel 0: I'll go and triple check it. But if it's in your like, if you are the owner of the benefit like, of the investment bond and they are just the beneficiary, then technically, it could still be in your name, and that could\n\nChannel 1: Yep.\n\nChannel 0: be an asset, if that makes sense.\n\nChannel 1: Yeah. Because yeah. Ideally, I'd like it not to put my child support payments up.\n\nChannel 0: Yep. Yep. Okay. Yep. No.\n\nThat's fine. I\n\nChannel 1: Yeah.\n\nChannel 0: can look at both options. And if it's mainly for the children for com like, Simplicities, maybe the investment like, the child bond, but I'll look at both options to see the flexibility\n\nChannel 1: Yep.\n\nChannel 0: of making sure that, obviously, you still have the the capacity to obviously change and do all of that and not impacting the child support payments.\n\nChannel 1: Yeah. I'd just like to have the control\n\nChannel 0: Payments.\n\nChannel 1: over it, but I'm happy to sort of go into the kids' names.\n\nChannel 0: Yes. Yes. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Beautiful. That is good. Anything else that's important to you when it comes to the investment or anything else I need to know about?\n\nChannel 1: No. Not that I can think of at the moment.\n\nChannel 0: No. Yep. Okay. Perfect. I think we've spoken about this a few times, so I have a pretty good pretty good idea of what I'm I'm thinking.\n\nSo I just need to finalize, obviously, all the research and put it into a recommendation for you. Now to obviously make it quicker from a time frame point of view, I'll book you in for the presentation now while I do have you on the\n\nChannel 1: Yep.\n\nChannel 0: phone. It will take me about a week to put it together. When is the best time for yourself?\n\nChannel 1: Mhmm. Yeah. I'm just looking at my calendar.\n\nChannel 0: Yep.\n\nChannel 1: Are you so you're thinking maybe not next week, the week after?\n\nChannel 0: I could potentially do let me see here. I could potentially do Wednesday, the twenty sixth, or it would be the week after. I could do the Tuesday or the Wednesday.\n\nChannel 1: Tuesday. Yeah. I can do the Tuesday. What times have you got available on the Tuesday, the first?\n\nChannel 0: Okay. Perfect. So I can do either at 9AM, or I\n\nChannel 1: Yep.\n\nChannel 0: could do at 01:30, or I could do 03:00.\n\nChannel 1: Let's do 01:30, please.\n\nChannel 0: 01:30? Okay. Beautiful. So I will book that in on Tuesday the first at 01:30. If anything does change and you can't make it, just let\n\nChannel 1: Yes.\n\nChannel 0: me know, and I can always get it amended for you. Do you want me to add a signature in when I prepare the document so Haley can sign off on it as well so it's, like, official from that point of view as well?\n\nChannel 1: Yeah. We'll have to after we've, yeah, made the decision\n\nChannel 0: Yep.\n\nChannel 1: on it. Absolutely.\n\nChannel 0: Yep. Okay. Perfect. That is good. That is booked in on\n\nChannel 1: Yeah.\n\nChannel 0: Tuesday,\n\nChannel 1: And\n\nChannel 0: the September 1, which is crazy. It's September already at at 01:30PM.\n\nChannel 1: what I can do as well, I can take a snippet of the consent orders for this joint account\n\nChannel 0: Yes.\n\nChannel 1: and send\n\nChannel 0: That\n\nChannel 1: it to you. That's what we have to abide by.\n\nChannel 0: yes. That will be great. That will be\n\nChannel 1: Yeah.\n\nChannel 0: amazing\n\nChannel 1: I'll do\n\nChannel 0: because\n\nChannel 1: I'll do\n\nChannel 0: then that\n\nChannel 1: that.\n\nChannel 0: way\n\nChannel 1: Yeah.\n\nChannel 0: I have that. Yeah. And you have my email address.\n\nChannel 1: I do.\n\nChannel 0: Still?\n\nChannel 1: I do.\n\nChannel 0: Yeah. Okay. Beautiful. If you could send that through when you have a moment, that will be fantastic.\n\nChannel 1: Yeah. No problem.\n\nChannel 0: And then I could prove that we can do this with the money as well, when I put it all together. So that's great.\n\nChannel 1: No worries. Thank you.\n\nChannel 0: No worries. Well, that was essentially everything that I needed to just confirm with you today. So pretty straightforward. But do you have any other questions for me before I let you go and enjoy the rest of the afternoon?\n\nChannel 1: Yeah. Nothing at the moment.\n\nChannel 0: No. Okay. If anything you do think of anything before, obviously, Tuesday the first, just let me know or send me an email.\n\nChannel 1: Yep.\n\nChannel 0: But, otherwise, I look forward to speaking with you on Tuesday the first at 01:30.\n\nChannel 1: Perfect. Perfect. Alright. I'll talk to you then.\n\nChannel 0: Beautiful. You enjoy the rest of your week.\n\nChannel 1: You too. Take care.\n\nChannel 0: Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.48,"end":0.88,"sentiment":"neutral","sentiment_score":0.03461254760622978},{"text":"Ben speaking.","start":0.88,"end":1.62,"sentiment":"neutral","sentiment_score":0.03375157527625561}],"sentiment":"neutral","sentiment_score":0.034038566052913666,"channel":1,"num_words":3,"start":0.48,"end":1.62},{"sentences":[{"text":"Good afternoon, Ben.","start":2.08,"end":3.04,"sentiment":"neutral","sentiment_score":0.31371458371480304},{"text":"This is Ranka from IQ Financial.","start":3.04,"end":5.04,"sentiment":"neutral","sentiment_score":0.27342841029167175},{"text":"How are you?","start":5.04,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.21196607748667398}],"sentiment":"neutral","sentiment_score":0.26813437044620514,"channel":0,"num_words":12,"start":2.08,"end":5.8599997},{"sentences":[{"text":"Good.","start":5.7599998,"end":6.0,"sentiment":"positive","sentiment_score":0.5003900527954102},{"text":"Thanks.","start":6.0,"end":6.16,"sentiment":"positive","sentiment_score":0.5575016736984253},{"text":"How are you, Veronica?","start":6.16,"end":7.14,"sentiment":"neutral","sentiment_score":0.28414665162563324}],"sentiment":"positive","sentiment_score":0.3657463888327281,"channel":1,"num_words":6,"start":5.7599998,"end":7.14},{"sentences":[{"text":"Yeah.","start":7.52,"end":7.8399997,"sentiment":"positive","sentiment_score":0.3485965132713318},{"text":"I'm good.","start":7.8399997,"end":8.639999,"sentiment":"positive","sentiment_score":0.5615739226341248},{"text":"Thanks.","start":8.639999,"end":9.139999,"sentiment":"positive","sentiment_score":0.6557746529579163}],"sentiment":"positive","sentiment_score":0.5318797528743744,"channel":0,"num_words":4,"start":7.52,"end":9.139999},{"sentences":[{"text":"Good.","start":9.599999,"end":10.099999,"sentiment":"positive","sentiment_score":0.5308114290237427}],"sentiment":"positive","sentiment_score":0.5308114290237427,"channel":1,"num_words":1,"start":9.599999,"end":10.099999},{"sentences":[{"text":"I had you booked in for a bit of a catch up.","start":10.0,"end":12.48,"sentiment":"neutral","sentiment_score":0.310234601298968},{"text":"So now still a good time?","start":12.48,"end":13.78,"sentiment":"neutral","sentiment_score":0.26303064574797946}],"sentiment":"neutral","sentiment_score":0.2944999494486385,"channel":0,"num_words":18,"start":10.0,"end":13.78},{"sentences":[{"text":"Yeah.","start":13.92,"end":14.16,"sentiment":"neutral","sentiment_score":0.2075348794460297},{"text":"Perfect, Tom.","start":14.16,"end":15.139999,"sentiment":"neutral","sentiment_score":0.3224651515483856}],"sentiment":"neutral","sentiment_score":0.2841550608476003,"channel":1,"num_words":3,"start":13.92,"end":15.139999},{"sentences":[{"text":"Yeah.","start":14.96,"end":15.44,"sentiment":"neutral","sentiment_score":0.2739856541156769},{"text":"Perfect.","start":15.44,"end":15.94,"sentiment":"positive","sentiment_score":0.3614094853401184},{"text":"Now just for usual, before I do go any further, I need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":16.904999,"end":24.045,"sentiment":"neutral","sentiment_score":0.06411575774351756}],"sentiment":"neutral","sentiment_score":0.07996462099254131,"channel":0,"num_words":32,"start":14.96,"end":24.045},{"sentences":[{"text":"Uh-huh.","start":23.805,"end":24.285,"sentiment":"neutral","sentiment_score":0.04111728444695473},{"text":"Yep.","start":24.285,"end":24.525,"sentiment":"neutral","sentiment_score":0.10075616836547852},{"text":"That's fine.","start":24.525,"end":25.345,"sentiment":"neutral","sentiment_score":0.18899973481893537}],"sentiment":"neutral","sentiment_score":0.129968230612576,"channel":1,"num_words":4,"start":23.805,"end":25.345},{"sentences":[{"text":"Yep.","start":25.224998,"end":25.724998,"sentiment":"neutral","sentiment_score":0.16307897865772247},{"text":"Perfect.","start":25.785,"end":26.285,"sentiment":"neutral","sentiment_score":0.266778826713562},{"text":"And just for security purposes, even though I can hear you, can I just get you to confirm full name, date of birth, and address?","start":26.345,"end":33.16,"sentiment":"neutral","sentiment_score":0.07952336981892585}],"sentiment":"neutral","sentiment_score":0.08955340929053447,"channel":0,"num_words":27,"start":25.224998,"end":33.16},{"sentences":[{"text":"Yeah.","start":33.37,"end":33.690002,"sentiment":"neutral","sentiment_score":0.03508688136935234},{"text":"So Benjamin James clear '90 twenty fifth of the twelfth nineteen ninety one and 28","start":33.690002,"end":39.93,"sentiment":"neutral","sentiment_score":0.03740203386793534}],"sentiment":"neutral","sentiment_score":0.0372573368367739,"channel":1,"num_words":16,"start":33.37,"end":39.93},{"sentences":[{"text":"Yep.","start":39.86,"end":40.36,"sentiment":"neutral","sentiment_score":0.027194347232580185}],"sentiment":"neutral","sentiment_score":0.027194347232580185,"channel":0,"num_words":1,"start":39.86,"end":40.36},{"sentences":[{"text":"1289 Castleway.","start":39.93,"end":41.15,"sentiment":"neutral","sentiment_score":0.02466133050620556}],"sentiment":"neutral","sentiment_score":0.02466133050620556,"channel":1,"num_words":2,"start":39.93,"end":41.15},{"sentences":[{"text":"Yep.","start":41.78,"end":42.28,"sentiment":"neutral","sentiment_score":0.08432131260633469},{"text":"Perfect.","start":43.155,"end":43.475,"sentiment":"neutral","sentiment_score":0.2398149222135544},{"text":"So everything's kind of been settled in the consent order and everything now?","start":43.475,"end":47.815,"sentiment":"neutral","sentiment_score":0.12316565788709201}],"sentiment":"neutral","sentiment_score":0.128352652490139,"channel":0,"num_words":15,"start":41.78,"end":47.815},{"sentences":[{"text":"Yep.","start":47.525,"end":47.925,"sentiment":"neutral","sentiment_score":0.05492071434855461},{"text":"Everything's","start":47.925,"end":48.425,"sentiment":"neutral","sentiment_score":0.06644804775714874}],"sentiment":"neutral","sentiment_score":0.06068438105285168,"channel":1,"num_words":2,"start":47.525,"end":48.425},{"sentences":[{"text":"Yep.","start":48.515,"end":49.015,"sentiment":"neutral","sentiment_score":0.07857654988765717}],"sentiment":"neutral","sentiment_score":0.07857654988765717,"channel":0,"num_words":1,"start":48.515,"end":49.015},{"sentences":[{"text":"settled.","start":48.565,"end":49.065,"sentiment":"neutral","sentiment_score":0.13892357051372528}],"sentiment":"neutral","sentiment_score":0.13892357051372528,"channel":1,"num_words":1,"start":48.565,"end":49.065},{"sentences":[{"text":"Yep.","start":49.635,"end":50.035,"sentiment":"neutral","sentiment_score":0.1488434076309204},{"text":"Perfect.","start":50.035,"end":50.535,"sentiment":"neutral","sentiment_score":0.3097103536128998},{"text":"So we can obviously move the money and do what we","start":50.675,"end":55.954998,"sentiment":"neutral","sentiment_score":0.2030637480995872}],"sentiment":"neutral","sentiment_score":0.20709653771840608,"channel":0,"num_words":13,"start":49.635,"end":55.954998},{"sentences":[{"text":"Yeah.","start":55.9,"end":56.22,"sentiment":"neutral","sentiment_score":0.07782250642776489}],"sentiment":"neutral","sentiment_score":0.07782250642776489,"channel":1,"num_words":1,"start":55.9,"end":56.22},{"sentences":[{"text":"want in","start":55.954998,"end":56.355,"sentiment":"neutral","sentiment_score":0.052078161388635635}],"sentiment":"neutral","sentiment_score":0.052078161388635635,"channel":0,"num_words":2,"start":55.954998,"end":56.355},{"sentences":[{"text":"So","start":56.22,"end":56.54,"sentiment":"neutral","sentiment_score":0.05693627893924713}],"sentiment":"neutral","sentiment_score":0.05693627893924713,"channel":1,"num_words":1,"start":56.22,"end":56.54},{"sentences":[{"text":"a way for the kids?","start":56.355,"end":57.3,"sentiment":"neutral","sentiment_score":0.07694001644849777}],"sentiment":"neutral","sentiment_score":0.07694001644849777,"channel":0,"num_words":5,"start":56.355,"end":57.3},{"sentences":[{"text":"yep.","start":57.18,"end":57.66,"sentiment":"neutral","sentiment_score":0.04365276917815208},{"text":"Yep.","start":57.66,"end":58.140003,"sentiment":"neutral","sentiment_score":0.05063202604651451}],"sentiment":"neutral","sentiment_score":0.0471423976123333,"channel":1,"num_words":2,"start":57.18,"end":58.140003},{"sentences":[{"text":"Mhmm.","start":57.78,"end":58.28,"sentiment":"neutral","sentiment_score":0.050339266657829285}],"sentiment":"neutral","sentiment_score":0.050339266657829285,"channel":0,"num_words":1,"start":57.78,"end":58.28},{"sentences":[{"text":"So we can look at doing the the kids accounts.","start":58.140003,"end":60.22,"sentiment":"neutral","sentiment_score":0.07001159340143204},{"text":"And then, obviously, once","start":60.22,"end":61.260002,"sentiment":"neutral","sentiment_score":0.06259354762732983}],"sentiment":"neutral","sentiment_score":0.06789215175168854,"channel":1,"num_words":14,"start":58.140003,"end":61.260002},{"sentences":[{"text":"Yep.","start":61.14,"end":61.64,"sentiment":"neutral","sentiment_score":0.06070221588015556}],"sentiment":"neutral","sentiment_score":0.06070221588015556,"channel":0,"num_words":1,"start":61.14,"end":61.64},{"sentences":[{"text":"that's prepared, I've just gotta show it to Hailey.","start":61.260002,"end":64.64,"sentiment":"neutral","sentiment_score":0.07685128433836831}],"sentiment":"neutral","sentiment_score":0.07685128433836831,"channel":1,"num_words":9,"start":61.260002,"end":64.64},{"sentences":[{"text":"Yep.","start":64.979996,"end":65.479996,"sentiment":"neutral","sentiment_score":0.06589671224355698}],"sentiment":"neutral","sentiment_score":0.06589671224355698,"channel":0,"num_words":1,"start":64.979996,"end":65.479996},{"sentences":[{"text":"As per the consent orders, I'm just gonna show it to her and then she can then she will sign it 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do.","start":922.27496,"end":922.935,"sentiment":"neutral","sentiment_score":0.08491677418351173}],"sentiment":"neutral","sentiment_score":0.08491677418351173,"channel":1,"num_words":2,"start":922.27496,"end":922.935},{"sentences":[{"text":"Yeah.","start":922.625,"end":922.785,"sentiment":"neutral","sentiment_score":0.152919203042984},{"text":"Okay.","start":922.785,"end":923.02496,"sentiment":"neutral","sentiment_score":0.3149767816066742},{"text":"Beautiful.","start":923.02496,"end":923.425,"sentiment":"positive","sentiment_score":0.6136511564254761},{"text":"If you could send that through when you have a moment, that will be fantastic.","start":923.425,"end":926.00494,"sentiment":"positive","sentiment_score":0.5331428090731303}],"sentiment":"positive","sentiment_score":0.5043716265095605,"channel":0,"num_words":18,"start":922.625,"end":926.00494},{"sentences":[{"text":"Yeah.","start":925.69,"end":926.19,"sentiment":"neutral","sentiment_score":0.2684178352355957},{"text":"No problem.","start":926.25,"end":926.99005,"sentiment":"neutral","sentiment_score":0.2934528887271881}],"sentiment":"neutral","sentiment_score":0.2851078708966573,"channel":1,"num_words":3,"start":925.69,"end":926.99005},{"sentences":[{"text":"And then I could prove that we can do this with the money as well, when I put it all together.","start":926.625,"end":931.745,"sentiment":"neutral","sentiment_score":0.3179281141076769},{"text":"So that's great.","start":931.745,"end":932.725,"sentiment":"positive","sentiment_score":0.5823647777239481}],"sentiment":"positive","sentiment_score":0.3509826970597108,"channel":0,"num_words":24,"start":926.625,"end":932.725},{"sentences":[{"text":"No worries.","start":933.21,"end":933.77,"sentiment":"neutral","sentiment_score":0.3123404383659363},{"text":"Thank you.","start":933.77,"end":934.59,"sentiment":"positive","sentiment_score":0.49855688214302063}],"sentiment":"positive","sentiment_score":0.40544866025447845,"channel":1,"num_words":4,"start":933.21,"end":934.59},{"sentences":[{"text":"No worries.","start":934.865,"end":935.345,"sentiment":"neutral","sentiment_score":0.1870446354150772},{"text":"Well, that was essentially everything that I needed to just confirm with you today.","start":935.345,"end":938.63,"sentiment":"positive","sentiment_score":0.33481369274003164},{"text":"So pretty straightforward.","start":938.63,"end":939.67,"sentiment":"positive","sentiment_score":0.44441433747609455},{"text":"But do you have any other questions for me before I let you go and enjoy the rest of the afternoon?","start":939.67,"end":943.93,"sentiment":"neutral","sentiment_score":0.23208189613762356}],"sentiment":"neutral","sentiment_score":0.2817110950127244,"channel":0,"num_words":40,"start":934.865,"end":943.93},{"sentences":[{"text":"Yeah.","start":944.115,"end":944.51495,"sentiment":"neutral","sentiment_score":0.009876618161797523},{"text":"Nothing at the moment.","start":944.51495,"end":945.57495,"sentiment":"neutral","sentiment_score":-0.02491342183202505}],"sentiment":"neutral","sentiment_score":-0.017955413833260537,"channel":1,"num_words":5,"start":944.115,"end":945.57495},{"sentences":[{"text":"No.","start":945.91,"end":946.15,"sentiment":"neutral","sentiment_score":-0.0287882499396801},{"text":"Okay.","start":946.15,"end":946.39,"sentiment":"neutral","sentiment_score":0.008762877434492111},{"text":"If anything you do think of anything before, obviously, Tuesday the first, just let me know or send me an email.","start":946.39,"end":951.77,"sentiment":"neutral","sentiment_score":0.028923669652569862}],"sentiment":"neutral","sentiment_score":0.025537899573859962,"channel":0,"num_words":23,"start":945.91,"end":951.77},{"sentences":[{"text":"Yep.","start":952.115,"end":952.615,"sentiment":"neutral","sentiment_score":0.01563924364745617}],"sentiment":"neutral","sentiment_score":0.01563924364745617,"channel":1,"num_words":1,"start":952.115,"end":952.615},{"sentences":[{"text":"But, otherwise, I look forward to speaking with you on Tuesday the first at 01:30.","start":952.115,"end":956.695,"sentiment":"positive","sentiment_score":0.461019038160642}],"sentiment":"positive","sentiment_score":0.461019038160642,"channel":0,"num_words":15,"start":952.115,"end":956.695},{"sentences":[{"text":"Perfect.","start":956.26,"end":956.76,"sentiment":"positive","sentiment_score":0.7874710559844971},{"text":"Perfect.","start":957.06,"end":957.38,"sentiment":"positive","sentiment_score":0.7747770547866821},{"text":"Alright.","start":957.38,"end":957.7,"sentiment":"positive","sentiment_score":0.5857670307159424},{"text":"I'll talk to you then.","start":957.7,"end":958.84,"sentiment":"positive","sentiment_score":0.6194808125495911}],"sentiment":"positive","sentiment_score":0.6556774005293846,"channel":1,"num_words":8,"start":956.26,"end":958.84},{"sentences":[{"text":"Beautiful.","start":959.15497,"end":959.635,"sentiment":"positive","sentiment_score":0.8832536935806274},{"text":"You enjoy the rest of your week.","start":959.635,"end":961.255,"sentiment":"positive","sentiment_score":0.8368664043290275}],"sentiment":"positive","sentiment_score":0.8426648154854774,"channel":0,"num_words":8,"start":959.15497,"end":961.255},{"sentences":[{"text":"You too.","start":961.3,"end":961.78,"sentiment":"positive","sentiment_score":0.5661869943141937},{"text":"Take care.","start":961.78,"end":962.44,"sentiment":"positive","sentiment_score":0.5564818978309631}],"sentiment":"positive","sentiment_score":0.5613344460725784,"channel":1,"num_words":4,"start":961.3,"end":962.44},{"sentences":[{"text":"Thanks.","start":962.755,"end":963.255,"sentiment":"positive","sentiment_score":0.7481397986412048},{"text":"Bye.","start":963.315,"end":963.815,"sentiment":"neutral","sentiment_score":-0.11153463274240494}],"sentiment":"neutral","sentiment_score":0.31830258294939995,"channel":0,"num_words":2,"start":962.755,"end":963.815}]},"summary":{"result":"success","short":"A representative from IQ Financial called Veronica to confirm her personal information and discuss setting up an account for her children. The representative explains risk profiles and investment options for each child, and sets up a budget for each. The benefit of the Yep. child bond is for the beneficiary to change over at a certain point in time, and the benefit of the other option is that the children can still get their tax returns and make profit from it. The speaker explains the rules for contribution and offers to book the presentation for the caller. The speaker also explains the benefits of the plan and how it can be used for tax returns."},"intents":{"segments":[{"text":"Thanks. How are you, Veronica? Yeah. I'm good. Thanks. Good.","start_word":16,"end_word":25,"intents":[{"intent":"Express gratitude","confidence_score":0.043636885}]},{"text":"Now just for usual, before I do go any further, I need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Uh-huh.","start_word":49,"end_word":79,"intents":[{"intent":"Request call recording","confidence_score":0.016729012}]},{"text":"And just for security purposes, even though I can hear you, can I just get you to confirm full name, date of birth, and address? Yeah.","start_word":85,"end_word":110,"intents":[{"intent":"Confirm identity","confidence_score":0.22511947},{"intent":"Express request for details","confidence_score":1.0680209e-7}]},{"text":"I just wanted to make sure that, obviously, there is some kind of confirmation that we obviously can move it. But if that's her kind of signing off Yep. on it, Yeah.","start_word":227,"end_word":258,"intents":[{"intent":"Confirm confirmation","confidence_score":0.026839117}]},{"text":"we can go ahead and implement, that kind of covers Yep.","start_word":263,"end_word":273,"intents":[{"intent":"Suggest resolution of concerns","confidence_score":0.0000024712683}]},{"text":"it'll have to go to her adviser to discuss Yep. it with her, and then, obviously, she will then sign over to me to be Yep. the trustee and owner of it. Okay.","start_word":312,"end_word":344,"intents":[{"intent":"Discuss yep","confidence_score":0.09491709}]},{"text":"of things I do wanna just confirm with you as I'm preparing all of it is that the main purpose is obviously investment for your children.","start_word":357,"end_word":382,"intents":[{"intent":"Confirm purpose","confidence_score":0.26953036}]},{"text":"Now time frame wise, do you have a like, obviously, I know it's a long term, but do you have a rough time frame of how long you think these investments will go for? Like, ten, fifteen, five years? Hello?","start_word":395,"end_word":434,"intents":[{"intent":"Confirm time frame","confidence_score":0.30929974}]},{"text":"Now confirming as well that we are using everything in the IDPS, so, like, Mhmm. the Yeah. full balance.","start_word":582,"end_word":600,"intents":[{"intent":"Confirm use of idps","confidence_score":0.011584103}]},{"text":"And will that be, like, $50.50 between these two kids? Am I right? Yes.","start_word":602,"end_word":615,"intents":[{"intent":"Inquire about balance","confidence_score":0.0032628286}]},{"text":"The benefit of the other way is if they just change the ownership to them, they don't have to reset the time frame. They could keep that investment bond going Mhmm. if that's what they wanted to without trigger that new ten year time frame. So that's Right. kind of, like, the the option. Okay.","start_word":1618,"end_word":1672,"intents":[{"intent":"Confirm ownership option","confidence_score":0.000010743014}]},{"text":"And would this, you may not know the answer to this, would this, obviously, because it makes money, would that go towards when I do my tax returns?","start_word":1725,"end_word":1752,"intents":[{"intent":"Clarify tax return options","confidence_score":0.0015979538}]},{"text":"Now to obviously make it quicker from a time frame point of view, I'll book you in for the presentation now while I do have you on the Yep. phone.","start_word":2249,"end_word":2278,"intents":[{"intent":"Plan presentation","confidence_score":0.024435697}]},{"text":"So I will book that in on Tuesday the first at 01:30.","start_word":2395,"end_word":2406,"intents":[{"intent":"Book appointment","confidence_score":0.22840416}]}]},"sentiments":{"segments":[{"text":"Hello. Ben speaking. Good afternoon, Ben. This is Ranka from IQ Financial. How are you?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.21822570264339447},{"text":"Good. Thanks.","start_word":15,"end_word":16,"sentiment":"positive","sentiment_score":0.5289458632469177},{"text":"How are you, Veronica?","start_word":17,"end_word":20,"sentiment":"neutral","sentiment_score":0.2888142466545105},{"text":"Yeah. I'm good. Thanks. Good.","start_word":21,"end_word":25,"sentiment":"positive","sentiment_score":0.5305942893028259},{"text":"I had you booked in for a bit of a catch up. So now still a good time? Yeah. Perfect, Tom. Yeah.","start_word":26,"end_word":47,"sentiment":"neutral","sentiment_score":0.29084259271621704},{"text":"Perfect.","start_word":48,"end_word":48,"sentiment":"positive","sentiment_score":0.3614094853401184},{"text":"Now just for usual, before I do go any further, I need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Uh-huh. Yep. That's fine. Yep. Perfect. And just for security purposes, even though I can hear you, can I just get you to confirm full name, date of birth, and address? Yeah. So Benjamin James clear '90 twenty fifth of the twelfth nineteen ninety one and 28 Yep. 1289 Castleway. Yep. Perfect. So everything's kind of been settled in the consent order and everything now? Yep. Everything's Yep. settled. Yep. Perfect. So we can obviously move the money and do what we Yeah. want in So a way for the kids? yep. Yep. Mhmm. So we can look at doing the the kids accounts. And then, obviously, once Yep. that's prepared, I've just gotta show it to Hailey. Yep. As per the consent orders, I'm just gonna show it to her and then she can then she will sign it over. Okay. Okay. Perfect. No. That's good. Yeah. I just wanted to make sure that, obviously, there is some kind of confirmation that we obviously can move it. But if that's her kind of signing off Yep. on it, Yeah. and That's then right. we can go ahead and implement, that kind of covers Yep. Yeah. that point. Yeah. The Just consent so. orders say I have ninety days to do it. Yep. Okay. So which is obviously, yep, get the paperwork to solve what we're gonna do with it then. Obviously, Yep. it'll have to go to her adviser to discuss Yep. it with her, and then, obviously, she will then sign over to me to be Yep. the trustee and owner of it. Okay.","start_word":49,"end_word":344,"sentiment":"neutral","sentiment_score":0.06489211930012381},{"text":"Beautiful. That's good. It should be pretty pretty straightforward.","start_word":345,"end_word":353,"sentiment":"positive","sentiment_score":0.6672620177268982},{"text":"A couple Mhmm. of things I do wanna just confirm with you as I'm preparing all of it is that the main purpose is obviously investment for your children. That's, That's like, basically what we're doing. that's correct. Yes. Yep. Perfect. Now time frame wise, do you have a like, obviously, I know it's a long term, but do you have a rough time frame of how long you think these investments will go for? Like, ten, fifteen, five years? Hello? I would say because my daughter's only about to turn eight this Mhmm. October, and my son's only turning six this October. Yep. So I would say probably ten years minimum. Yep.","start_word":354,"end_word":466,"sentiment":"neutral","sentiment_score":0.045934852212667465},{"text":"Beautiful.","start_word":467,"end_word":467,"sentiment":"positive","sentiment_score":0.38604235649108887},{"text":"I would I would say that that would be about standard, wouldn't it be? Yes. Especially because there are a lot of so part of the research, there's a few options that I will look at. And knowing the time frame does kind of narrow down which ones are the most suitable. And ten year time frame is a pretty standard one for a lot of them that we are typically looking at that makes that really tax effective. So that Mhmm. is Yep. good. If it was a lot shorter, then I might steer away from some options. So having that ten year gives me that full flexibility on researching all of them. Now confirming as well that we are using everything in the IDPS, so, like, Mhmm. the Yeah. full balance. Yep. And will that be, like, $50.50 between these two kids? Am I right? Yes. Yes. It would. Yep. Yep. Okay. Perfect. And if I could just have the children's name of and date of birth as well, please, just Yeah. for Of course. the the research. Alright. Your full name? Yep. Yes, please. My daughter is Abigail Charlotte Clear. Okay. Charlotte. Clear. And date of birth? Yep. Twenty third of the tenth twenty eighteen. 02/18.","start_word":468,"end_word":676,"sentiment":"neutral","sentiment_score":0.07319866733973106},{"text":"Beautiful.","start_word":677,"end_word":677,"sentiment":"positive","sentiment_score":0.440204918384552},{"text":"And your son? William Edward Clea. And his date of birth? Twenty eighth of the tenth twenty twenty. 10/2020.","start_word":678,"end_word":696,"sentiment":"neutral","sentiment_score":0.06300973892211914},{"text":"Beautiful.","start_word":697,"end_word":697,"sentiment":"positive","sentiment_score":0.5080530047416687},{"text":"Now in terms of risk profile, so there's obviously a lot of different risk profiles similar to, obviously, your super investments that we can look at depending on what you will be comfortable with. Obviously, we have a long time frame. So, obviously, having that ten years from a time frame point of view mean that you can basically fit into any category, but Yep. it's also what you are comfortable with because, obviously, this is a bit different through, like, your super investments. Yeah. So do you have an idea of, like, what kind of risk profile you would be comfortable with in how the money is invested for them? I think I was normally mid range, but not high risk. Yeah. Yep. So And kind of I want a I do growth. want it to that's sort of middle. Yeah. Perfect. So we can we can Yep. basically tailor it to whatever you want. But unlike the standard scale, you have your aggressive plus, which is, like, your your max Mhmm. risk. You're borrowing money against it. You have aggressive high growth growth. Then you have balanced growth, balanced and defensive. So growth seems like, from what you were saying, is a key kind of good split where you do wanna obviously focus on growing it because you do have that ten years, and it's setting them up for their future, Yeah. but not like your high growth. Am I reading that correctly? That's correct. Yes. Yep. Okay.","start_word":698,"end_word":947,"sentiment":"neutral","sentiment_score":0.08209734410047531},{"text":"Beautiful.","start_word":948,"end_word":948,"sentiment":"positive","sentiment_score":0.4547515511512756},{"text":"Now with the investment as well, are you wanting to do regular contributions for them? Yeah. I'd probably set up to try and do some regular ones. Yeah. Is And there, like, a how minimum yes and no. No. There is no minimum, yep. but there are restrictions on certain bonds. So for Okay. example, you could put a dollar a year. There's there's no problem. Yep. The only rule is that some bonds, and most of them do have to make that tax effective, is Mhmm. that you have something that's called a 125% rule. So Yep. what that means is that the following year, you can only contribute a 125% of the previous year's contribution. So even though there's, like, no minimum requirement, if you completely stop, then restarting it again would trigger the time frame, if that makes sense. Okay. Okay. So from that, do you have and you can change it. The first year, there is unlimited. So the first Yep. year on some of them, you could do, like, okay. I want to do $20 a week or $20 Yep. a month or $20 every second month, whatever it might be. And that first year, you can make however much or little contributions you want, but then that kind of sets you up for the next couple of years with that 125% rule. Okay. So what do you think so I'll obviously factor that in into the research and Yeah. projections I'll for probably look at about $20.20 dollar mark a week. you. Yep. $20. And that would be for each child? Yeah. Yep. Yeah? Okay. So $20 per week per child. Do you want me to do any other alternatives for you if you feel like that's too much or too Maybe little? even if you try to do a $10 one as well. Yeah. Yeah.","start_word":949,"end_word":1260,"sentiment":"neutral","sentiment_score":0.08536414615809917},{"text":"Perfect.","start_word":1261,"end_word":1261,"sentiment":"positive","sentiment_score":0.3745651245117187},{"text":"Okay. Child per week. Okay. So per week. Okay.","start_word":1262,"end_word":1270,"sentiment":"neutral","sentiment_score":0.16181166470050812},{"text":"Great.","start_word":1271,"end_word":1271,"sentiment":"positive","sentiment_score":0.514663815498352},{"text":"Now there's different ways you can set them up as well. So you can have it where it's completely in their name. So it's like a child bond that then gets Yep. vested at a certain age. You can set that age. So whether that is at 18, 20, 25, it kind of vests, and then Yep.","start_word":1272,"end_word":1328,"sentiment":"neutral","sentiment_score":0.18355654180049896},{"text":"it gets completely tax free to them, and they can obviously do whatever it is that you guys have intended for them, whether that's Yep.","start_word":1329,"end_word":1353,"sentiment":"positive","sentiment_score":0.5659516453742981},{"text":"school fees or car or whatever it might be. Yep. Or there's a way they can be set up under your name with them as beneficiaries. So at it, again, Yep. a certain point in time, it can change over to them, which gives them the option of continuing Mhmm. the investment bond if they choose to do so. But then it's kind of it's in your name, but they are the beneficiaries of it. Do Okay. you have a preference of what you think What or your arrangement? what what is best for tax? It will be the same. So Okay. it would be exactly the same as the benefit of so some people do the child bond because then it's like, okay. Well, at a certain age, it's this.","start_word":1354,"end_word":1484,"sentiment":"neutral","sentiment_score":0.18904449045658112},{"text":"And Yep. that makes it kind of potentially easier in your situation where it's like, okay.","start_word":1485,"end_word":1500,"sentiment":"positive","sentiment_score":0.38583096861839294},{"text":"Well, the bonds are in your children's name. Yeah. The other option is, yeah, it's in your number. They are the beneficiary on it, which you could then show, and that just gives them the flexibility. So let's say we do the child bond, and Mhmm. then let's say when they turn 18, they have all the money, Yep. they Yep. obviously will then be vested. So they will get it in cash. So they don't have to pay tax on it.","start_word":1501,"end_word":1582,"sentiment":"neutral","sentiment_score":0.2283361852169037},{"text":"It's theirs to do what they want.","start_word":1583,"end_word":1589,"sentiment":"positive","sentiment_score":0.3404166102409363},{"text":"But if they go, oh, I want to start a new investment bond, Mhmm. for example, Yep. they would obviously have to start that ten year time frame. The benefit of the other way is if they just change the ownership to them, they don't have to reset the time frame.","start_word":1590,"end_word":1640,"sentiment":"neutral","sentiment_score":0.2211357057094574},{"text":"They could keep that investment bond going Mhmm.","start_word":1641,"end_word":1648,"sentiment":"positive","sentiment_score":0.3528302013874054},{"text":"if that's what they wanted to without trigger that new ten year time frame. So that's Right. kind of, like, the the option. Okay. Do I still have control of it even if I put it into their name? Yes. So Okay. it will it will be there, but it will be, like, because you are setting it up, so you would be, like, the owner even though it's in their name. Yep. Yep. Yes. Okay. And would this, you may not know the answer to this, would this, obviously, because it makes money, would that go towards when I do my tax returns? I have No. to declare that or no? No. No. So this is where the bonds are very effective, and that's different to your IDPS. So, obviously, why with your IDPS, obviously, earnings on that, you have to declare with selling it down that we will be capital gains tax. So that Mhmm. Yep. will be something that obviously would will be payable by by you personally. But within Yep. the bond, no. So anything kind of in the bond, it gets taxed within the bond itself at a concessional rate. It's kind Mhmm. of treated as like a life insurance product, so it's not something that you pay tax on yourself. It doesn't get added to your taxable income. And if you've had it for that ten year time frame, it does not get added to either your or your children's capital gains tax or anything like that. And that's why this kind of way of investing for kids and personally as well become really tax effective if you have that ten year time frame. Okay. Because I'm I'm Yeah. only thinking as well, like, it will it would check my affect my child support payments. Because it would depend on the arrangement you guys have. But because if it's not in your name, and I will I will triple check the two options. So if it's a child one in your child's name, then it's technically not your asset. So I don't see how that would then impact anything, but I'd wanna Mhmm. I'll go and triple check it. But if it's in your like, if you are the owner of the benefit like, of the investment bond and they are just the beneficiary, then technically, it could still be in your name, and that could Yep. be an asset, if that makes sense. Yeah. Because yeah. Ideally, I'd like it not to put my child support payments up. Yep. Yep. Okay. Yep. No. That's fine. I Yeah. can look at both options. And if it's mainly for the children for com like, Simplicities, maybe the investment like, the child bond, but I'll look at both options to see the flexibility Yep. of making sure that, obviously, you still have the the capacity to obviously change and do all of that and not impacting the child support payments. Yeah. I'd just like to have the control Payments. over it, but I'm happy to sort of go into the kids' names. Yes. Yes. Yep. Yeah. Okay.","start_word":1649,"end_word":2169,"sentiment":"neutral","sentiment_score":0.030171415638071332},{"text":"Beautiful. That is good.","start_word":2170,"end_word":2173,"sentiment":"positive","sentiment_score":0.6875826716423035},{"text":"Anything else that's important to you when it comes to the investment or anything else I need to know about? No. Not that I can think of at the moment. No. Yep. Okay.","start_word":2174,"end_word":2206,"sentiment":"neutral","sentiment_score":0.07565246522426605},{"text":"Perfect.","start_word":2207,"end_word":2207,"sentiment":"positive","sentiment_score":0.36162152886390686},{"text":"I think we've spoken about this a few times, so I have a pretty good pretty good idea of what I'm I'm thinking. So I just need to finalize, obviously, all the research and put it into a recommendation for you. Now to obviously make it quicker from a time frame point of view, I'll book you in for the presentation now while I do have you on the Yep. phone. It will take me about a week to put it together. When is the best time for yourself? Mhmm. Yeah. I'm just looking at my calendar. Yep. Are you so you're thinking maybe not next week, the week after? I could potentially do let me see here. I could potentially do Wednesday, the twenty sixth, or it would be the week after. I could do the Tuesday or the Wednesday. Tuesday. Yeah. I can do the Tuesday. What times have you got available on the Tuesday, the first? Okay.","start_word":2208,"end_word":2367,"sentiment":"neutral","sentiment_score":0.1540644749067724},{"text":"Perfect.","start_word":2368,"end_word":2368,"sentiment":"positive","sentiment_score":0.4235687255859375},{"text":"So I can do either at 9AM, or I Yep. could do at 01:30, or I could do 03:00. Let's do 01:30, please. 01:30? Okay.","start_word":2369,"end_word":2393,"sentiment":"neutral","sentiment_score":0.058481428772211075},{"text":"Beautiful.","start_word":2394,"end_word":2394,"sentiment":"positive","sentiment_score":0.5031152367591858},{"text":"So I will book that in on Tuesday the first at 01:30. If anything does change and you can't make it, just let Yes. me know, and I can always get it amended for you. Do you want me to add a signature in when I prepare the document so Haley can sign off on it as well so it's, like, official from that point of view as well? Yeah. We'll have to after we've, yeah, made the decision Yep. on it. Absolutely. Yep. Okay.","start_word":2395,"end_word":2479,"sentiment":"neutral","sentiment_score":0.109290212392807},{"text":"Perfect. That is good.","start_word":2480,"end_word":2483,"sentiment":"positive","sentiment_score":0.5519782304763794},{"text":"That is booked in on Yeah. Tuesday, And the September 1, which is crazy. It's September already at at 01:30PM. what I can do as well, I can take a snippet of the consent orders for this joint account Yes. and send That it to you. That's what we have to abide by. yes.","start_word":2484,"end_word":2537,"sentiment":"neutral","sentiment_score":0.08099640160799026},{"text":"That will be great.","start_word":2538,"end_word":2541,"sentiment":"positive","sentiment_score":0.4896491169929504},{"text":"That will be Yeah.","start_word":2542,"end_word":2545,"sentiment":"neutral","sentiment_score":0.2646671533584595},{"text":"amazing I'll do because I'll do then that that.","start_word":2546,"end_word":2554,"sentiment":"positive","sentiment_score":0.3595483899116516},{"text":"way Yeah. I have that. Yeah. And you have my email address. I do. Still? I do. Yeah. Okay.","start_word":2555,"end_word":2573,"sentiment":"neutral","sentiment_score":0.11137446761131288},{"text":"Beautiful. If you could send that through when you have a moment, that will be fantastic.","start_word":2574,"end_word":2589,"sentiment":"positive","sentiment_score":0.5410076379776001},{"text":"Yeah. No problem. And then I could prove that we can do this with the money as well, when I put it all together.","start_word":2590,"end_word":2613,"sentiment":"neutral","sentiment_score":0.31221580505371094},{"text":"So that's great.","start_word":2614,"end_word":2616,"sentiment":"positive","sentiment_score":0.5948538780212402},{"text":"No worries.","start_word":2617,"end_word":2618,"sentiment":"neutral","sentiment_score":0.3213934898376465},{"text":"Thank you.","start_word":2619,"end_word":2620,"sentiment":"positive","sentiment_score":0.4805160462856293},{"text":"No worries. Well, that was essentially everything that I needed to just confirm with you today.","start_word":2621,"end_word":2636,"sentiment":"neutral","sentiment_score":0.3093985915184021},{"text":"So pretty straightforward.","start_word":2637,"end_word":2639,"sentiment":"positive","sentiment_score":0.4286578893661499},{"text":"But do you have any other questions for me before I let you go and enjoy the rest of the afternoon? Yeah. Nothing at the moment. No. Okay. If anything you do think of anything before, obviously, Tuesday the first, just let me know or send me an email. But, Yep.","start_word":2640,"end_word":2690,"sentiment":"neutral","sentiment_score":0.09400895237922668},{"text":"otherwise, I look forward to speaking with you on Tuesday the first at 01:30. Perfect. Perfect. Alright. I'll talk to you then. Beautiful. You enjoy the rest of your week. You too. Take care. Thanks. Bye.","start_word":2691,"end_word":2726,"sentiment":"positive","sentiment_score":0.5965851545333862}],"average":{"sentiment":"neutral","sentiment_score":0.12100912870292783}}}}