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Well, before I jump into it, I do need to let you know that our calls are recorded if that's okay with you. Fantastic. Okay. So the reason of my call was just to, I guess, go through the advice document, just make sure that you're obviously happy with where everything fits and that you have a bit of an understanding on what the advice does entail and and, I guess, moving forward, what that that means for the relationship and how we're going to. Put. I'm just having a little bit of a technical issue right this second. I'm I'm glad you were I'm glad you're okay with it. Just must be Monday. Always happens on a Monday. It's not. Thank god for that. Alright. Perfect. So the advice document does, I guess, outline everything, and it's very detailed. I know it's it's a headache. But, realistically, what it does is it goes through the fact that, like, you have a goal to retire at 66, and you're looking to have an income of that $12.50 per week. And that I know that you're very much, I guess, retirement plan is focused on the properties, but anything we can produce from the superannuation side becomes an added bonus. So what I looked at was I looked at some tax mitigation strategies to be able to assist you with retirement and just, you know, reducing the taxes with pay. Because we have that really good income coming in from the property, we're able to, I guess, play around a little bit more with the tax side of things. So given well, given that your birthday is in just a few short months away, what I is basically move your funds from a and p signature to over into 24. Now the reason that is realistically that that AMP Signature Super, while it's still really a good super fund, it doesn't have the same access to investment options that some of your more broader platforms allow. So Hub twenty four is a much more broad investment platform. So it allows us to invest a little bit more heavily. We can change in all the stock options, which is really good too. Now what I wanna do in the initial is leave a little bit of your money in AMP Signature Super. The reason for that is that you have insurance there. So I don't wanna lose that insurance while we're in that transition and while we're applying for that for our new policy. So when we apply for the new policy, I've recommended that we go through ClearView, and we're just looking to do a $500,000 life policy. So we're reducing the premiums quite excessively, which is great. And we go from basically 2,600 down to, like, a thousand or $1,084. So it's quite a savings on that policy, which will be really good because it'll keep money in the account. And it basically just that policy, it covers the little bit of debt that we have. So if anything happens, you know, all the mortgages, the the business overdraft, everything is all just cleared out. Now what will happen with that with that application, it will go through, like, an actual application questionnaire with you. We you'll have to disclose your health occupation history, and it underwrites the policy at the inception. So it means that claims time is a lot smoother. Now it isn't in it it is it is a life only policy. So in the event that you would have passed away or be diagnosed with a terminal illness, it does not cover you for sort of any injury or long term disability or anything like that, which we talked about you not wanting to do anyway. So that's okay. So massive savings on on the premium, which is great. And then a bit of a rejig to your investments. Now when we come to your birthday now, obviously, I'm gonna be nice, and we're not gonna do it on your birthday because that's no fun for anyone. But when we come to your birthday, they'll probably be just after your birthday. What we will start doing is we'll contact you and we'll set everything up. It'll be a little bit of an application, but we'll take care of everything. We just need you to sign off on it. We will set up a pension account. So it'll sit right alongside your what's called an accumulation account, which is where your funds currently sit there in accumulation phase. So we migrate some of the funds over to a pension account, and what that does is that then allows you to start having a drawdown or an income coming and being paid to you. Now to be able to get the tax effectiveness, what we're gonna do is we're gonna start salary sacrificing. So, basically, you're going to instead of getting the same like, the salary that you're currently getting, you will we will pop money into your fund from the business. So that way, you and the business aren't paying marginal tax rates. You're only paying that 15% superannuation rate. Once that when when that money goes in, we put that money into your super fund, and then we draw money out of your super fund tax free. So we're cutting down on heaps of tax that way, which is really good. Now with the tax savings, basically, where we're sitting oh, I just skipped over that page. Why did I skip it? My finger's moving faster than my brain is. So at at the end of it, basically, we save it's sickly about $1,600 in tax across both your income tax and your superannuation tax. What I'm recommending per annum. Yeah. What I'm realistically recommending is that we put $223,500 into the super fund. And we can we can do that quite smoothly through, you know, just your normal weekly, monthly contributions. It's, you know, it's we're not looking for a lump sum or anything like that. So we we just do nice, steady income. So that way, you're still receiving an income through the business, and the business is still paying you. And then we can match up the income from the super fund to pay you as well. So if you wanted to be paid each month from the super fund or each fortnight from the super fund, we can basically pay you regularly in that way. That way you're still having an income coming in that way tax free. So, yeah, so what we'll do is we'll we'll set that up basically just just after your birthday so that way everything runs smoothly there. And all in all, we end up in front, which is great. So projection wise, we're sitting on back to be able to get a nice, you know, decent lump sum when we move forward. Now on the estate plan side of things, because we're setting up a new super fund, we do wanna make sure that the benefits are going to the right people. And what I'm recommending is that we just nominate our spouse. A, it is the smoothest and easiest claim to undertake, and, b, for as long as we keep them our spouse, they are tax free to receive the benefit. We'll check-in with you every year anyway, and if relationship status or anything in that angles or your wishes change, we can always update that. Okay? So we'll get you the form so that way that's all taken care of on that one anyway. Okay? Perfect. Now moving forward, we don't just drop off. There'll be a few steps and stages that we have to go through over the next few months, and then a few more when we go through your birthday and stuff. But, realistically, what, what we'll do from now is my team will call you and and implement everything. They'll get all the documents posted out to you from, like, the beneficiary side, contribution forms, stuff like that. So that way your new contributions can go into your new 24 fund. And then set up a time I mean, I can do that now. Set up a time that's best for you to be able to go through that ClearView application with my team. The ClearView application, so the insurance application, we can do basically I mean, today, tomorrow would be fine if you had time. Yeah. It can be the the insurance application is pretty immediate. Absolutely. Yes. Would Thursday or Friday next week work for you? Thursday? Fantastic. Let me just have a quick look at times. Do you wanna go, like, 09:30, 10AM in the morning? Yep. Perfect. Alright. Amazing. I will book you in for that one next next Thursday at 10AM. And, yeah, I'll get Jack to give you a call Thursday to go through and and do that personal statement with you. Okay? Amazing. It'll be the exact same line I'm calling from right now. So all of our phone lines are connected on the same call out. Yeah. No. That's okay. Did you have any questions at all with regards to the advice where we're heading, I guess, our relationship moving forward? We do check your emails, but we do call as well. I guess it's a a bit of a preferred message just because sometimes it's easier to answer the couple of questions over the phone. But at at the same time, if you don't answer the phone because you are held up busy, whatever the case may be, we follow-up with a text and an email that you're able to respond to. Yeah. Yeah. Still bring on this this same number. Yeah. No. Absolutely. And then, yeah, you can always go call into this number, or we have our 1300 number as well either either way. No. That's okay, Donna. Thanks for taking a couple minutes to have a chat with me this morning, but I'll get Jack to give you a call next week. That's okay. Thanks, Jeff. 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Donna. Larissa from OG Financial. How are you going? Have I caught you in an okay time? Perfect.\n\nAmazing. Well, before I jump into it, I do need to let you know that our calls are recorded if that's okay with you. Fantastic. Okay. So the reason of my call was just to, I guess, go through the advice document, just make sure that you're obviously happy with where everything fits and that you have a bit of an understanding on what the advice does entail and and, I guess, moving forward, what that that means for the relationship and how we're going to.\n\nPut. I'm just having a little bit of a technical issue right this second. I'm I'm glad you were I'm glad you're okay with it. Just must be Monday. Always happens on a Monday.\n\nIt's not. Thank god for that. Alright. Perfect. So the advice document does, I guess, outline everything, and it's very detailed.\n\nI know it's it's a headache. But, realistically, what it does is it goes through the fact that, like, you have a goal to retire at 66, and you're looking to have an income of that $12.50 per week. And that I know that you're very much, I guess, retirement plan is focused on the properties, but anything we can produce from the superannuation side becomes an added bonus. So what I looked at was I looked at some tax mitigation strategies to be able to assist you with retirement and just, you know, reducing the taxes with pay. Because we have that really good income coming in from the property, we're able to, I guess, play around a little bit more with the tax side of things.\n\nSo given well, given that your birthday is in just a few short months away, what I is basically move your funds from a and p signature to over into 24. Now the reason that is realistically that that AMP Signature Super, while it's still really a good super fund, it doesn't have the same access to investment options that some of your more broader platforms allow. So Hub twenty four is a much more broad investment platform. So it allows us to invest a little bit more heavily. We can change in all the stock options, which is really good too.\n\nNow what I wanna do in the initial is leave a little bit of your money in AMP Signature Super. The reason for that is that you have insurance there. So I don't wanna lose that insurance while we're in that transition and while we're applying for that for our new policy. So when we apply for the new policy, I've recommended that we go through ClearView, and we're just looking to do a $500,000 life policy. So we're reducing the premiums quite excessively, which is great.\n\nAnd we go from basically 2,600 down to, like, a thousand or $1,084. So it's quite a savings on that policy, which will be really good because it'll keep money in the account. And it basically just that policy, it covers the little bit of debt that we have. So if anything happens, you know, all the mortgages, the the business overdraft, everything is all just cleared out. Now what will happen with that with that application, it will go through, like, an actual application questionnaire with you.\n\nWe you'll have to disclose your health occupation history, and it underwrites the policy at the inception. So it means that claims time is a lot smoother. Now it isn't in it it is it is a life only policy. So in the event that you would have passed away or be diagnosed with a terminal illness, it does not cover you for sort of any injury or long term disability or anything like that, which we talked about you not wanting to do anyway. So that's okay.\n\nSo massive savings on on the premium, which is great. And then a bit of a rejig to your investments. Now when we come to your birthday now, obviously, I'm gonna be nice, and we're not gonna do it on your birthday because that's no fun for anyone. But when we come to your birthday, they'll probably be just after your birthday. What we will start doing is we'll contact you and we'll set everything up.\n\nIt'll be a little bit of an application, but we'll take care of everything. We just need you to sign off on it. We will set up a pension account. So it'll sit right alongside your what's called an accumulation account, which is where your funds currently sit there in accumulation phase. So we migrate some of the funds over to a pension account, and what that does is that then allows you to start having a drawdown or an income coming and being paid to you.\n\nNow to be able to get the tax effectiveness, what we're gonna do is we're gonna start salary sacrificing. So, basically, you're going to instead of getting the same like, the salary that you're currently getting, you will we will pop money into your fund from the business. So that way, you and the business aren't paying marginal tax rates. You're only paying that 15% superannuation rate. Once that when when that money goes in, we put that money into your super fund, and then we draw money out of your super fund tax free.\n\nSo we're cutting down on heaps of tax that way, which is really good. Now with the tax savings, basically, where we're sitting oh, I just skipped over that page. Why did I skip it? My finger's moving faster than my brain is. So at at the end of it, basically, we save it's sickly about $1,600 in tax across both your income tax and your superannuation tax.\n\nWhat I'm recommending per annum. Yeah. What I'm realistically recommending is that we put $223,500 into the super fund. And we can we can do that quite smoothly through, you know, just your normal weekly, monthly contributions. It's, you know, it's we're not looking for a lump sum or anything like that.\n\nSo we we just do nice, steady income. So that way, you're still receiving an income through the business, and the business is still paying you. And then we can match up the income from the super fund to pay you as well. So if you wanted to be paid each month from the super fund or each fortnight from the super fund, we can basically pay you regularly in that way. That way you're still having an income coming in that way tax free.\n\nSo, yeah, so what we'll do is we'll we'll set that up basically just just after your birthday so that way everything runs smoothly there. And all in all, we end up in front, which is great. So projection wise, we're sitting on back to be able to get a nice, you know, decent lump sum when we move forward. Now on the estate plan side of things, because we're setting up a new super fund, we do wanna make sure that the benefits are going to the right people. And what I'm recommending is that we just nominate our spouse.\n\nA, it is the smoothest and easiest claim to undertake, and, b, for as long as we keep them our spouse, they are tax free to receive the benefit. We'll check-in with you every year anyway, and if relationship status or anything in that angles or your wishes change, we can always update that. Okay? So we'll get you the form so that way that's all taken care of on that one anyway. Okay?\n\nPerfect. Now moving forward, we don't just drop off. There'll be a few steps and stages that we have to go through over the next few months, and then a few more when we go through your birthday and stuff. But, realistically, what, what we'll do from now is my team will call you and and implement everything. They'll get all the documents posted out to you from, like, the beneficiary side, contribution forms, stuff like that.\n\nSo that way your new contributions can go into your new 24 fund. And then set up a time I mean, I can do that now. Set up a time that's best for you to be able to go through that ClearView application with my team. The ClearView application, so the insurance application, we can do basically I mean, today, tomorrow would be fine if you had time. Yeah.\n\nIt can be the the insurance application is pretty immediate. Absolutely. Yes. Would Thursday or Friday next week work for you? Thursday?\n\nFantastic. Let me just have a quick look at times. Do you wanna go, like, 09:30, 10AM in the morning? Yep. Perfect.\n\nAlright. Amazing. I will book you in for that one next next Thursday at 10AM. And, yeah, I'll get Jack to give you a call Thursday to go through and and do that personal statement with you. Okay?\n\nAmazing. It'll be the exact same line I'm calling from right now. So all of our phone lines are connected on the same call out. Yeah. No.\n\nThat's okay. Did you have any questions at all with regards to the advice where we're heading, I guess, our relationship moving forward? We do check your emails, but we do call as well. I guess it's a a bit of a preferred message just because sometimes it's easier to answer the couple of questions over the phone. But at at the same time, if you don't answer the phone because you are held up busy, whatever the case may be, we follow-up with a text and an email that you're able to respond to.\n\nYeah. Yeah. Still bring on this this same number. Yeah. No.\n\nAbsolutely. And then, yeah, you can always go call into this number, or we have our 1300 number as well either either way. No. That's okay, Donna. Thanks for taking a couple minutes to have a chat with me this morning, but I'll get Jack to give you a call next week.\n\nThat's okay. Thanks, Jeff. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Donna.","start":1.92,"end":2.96,"sentiment":"neutral","sentiment_score":0.06051177904009819},{"text":"Larissa from OG Financial.","start":2.96,"end":4.24,"sentiment":"neutral","sentiment_score":0.06583288311958313},{"text":"How are you going?","start":4.24,"end":5.06,"sentiment":"neutral","sentiment_score":0.17204749584197998},{"text":"Have I caught you in an okay time?","start":6.8799996,"end":8.82,"sentiment":"neutral","sentiment_score":0.16130650509148836},{"text":"Perfect.","start":11.12,"end":11.62,"sentiment":"positive","sentiment_score":0.7075480222702026}],"sentiment":"neutral","sentiment_score":0.1616076387857136,"num_words":19,"start":1.92,"end":11.62},{"sentences":[{"text":"Amazing.","start":11.679999,"end":12.179999,"sentiment":"positive","sentiment_score":0.6893167495727539},{"text":"Well, before I jump into it, I do need to let you know that our calls are recorded if that's okay with you.","start":12.48,"end":17.675,"sentiment":"neutral","sentiment_score":0.11068419205105823},{"text":"Fantastic.","start":19.175,"end":19.675,"sentiment":"positive","sentiment_score":0.55738365650177},{"text":"Okay.","start":20.695,"end":21.195,"sentiment":"neutral","sentiment_score":0.3177216649055481},{"text":"So the reason of my call was just to, I guess, go through the advice document, just make sure that you're obviously happy with where everything fits and that you have a bit of an understanding on what the advice does entail and and, I guess, moving forward, what that that means for the relationship and how we're going to.","start":21.335,"end":44.06,"sentiment":"neutral","sentiment_score":0.2338417494048675}],"sentiment":"neutral","sentiment_score":0.2109379471214705,"num_words":86,"start":11.679999,"end":44.06},{"sentences":[{"text":"Put.","start":44.975002,"end":45.055,"sentiment":"neutral","sentiment_score":-0.012259362265467644},{"text":"I'm just having a little bit of a technical issue right this second.","start":45.055,"end":48.835,"sentiment":"neutral","sentiment_score":-0.12452226877212524},{"text":"I'm I'm glad you were I'm glad you're okay with it.","start":52.735,"end":56.835,"sentiment":"positive","sentiment_score":0.38077574426477606},{"text":"Just must be Monday.","start":60.059998,"end":61.44,"sentiment":"neutral","sentiment_score":-0.03243456967175007},{"text":"Always happens on a Monday.","start":62.7,"end":63.899998,"sentiment":"neutral","sentiment_score":-0.06013314500451088}],"sentiment":"neutral","sentiment_score":0.06256118608529077,"num_words":34,"start":44.975002,"end":63.899998},{"sentences":[{"text":"It's not.","start":63.899998,"end":64.46,"sentiment":"neutral","sentiment_score":-0.11951827630400658},{"text":"Thank god for that.","start":64.46,"end":65.52,"sentiment":"neutral","sentiment_score":-0.025359082967042923},{"text":"Alright.","start":66.78,"end":67.26,"sentiment":"neutral","sentiment_score":0.12824678421020508},{"text":"Perfect.","start":67.26,"end":67.659996,"sentiment":"neutral","sentiment_score":0.2404921352863312},{"text":"So the advice document does, I guess, outline everything, and it's very detailed.","start":67.659996,"end":73.475,"sentiment":"neutral","sentiment_score":0.12257846903342468}],"sentiment":"neutral","sentiment_score":0.07722791106927962,"num_words":21,"start":63.899998,"end":73.475},{"sentences":[{"text":"I know it's it's a headache.","start":73.475,"end":74.855,"sentiment":"neutral","sentiment_score":-0.092407938092947},{"text":"But, realistically, what it does is it goes through the fact that, like, you have a goal to retire at 66, and you're looking to have an income of that $12.50 per week.","start":76.755005,"end":86.25,"sentiment":"neutral","sentiment_score":0.12576093208609204},{"text":"And that I know that you're very much, I guess, retirement plan is focused on the properties, but anything we can produce from the superannuation side becomes an added bonus.","start":87.59,"end":97.77,"sentiment":"neutral","sentiment_score":0.21018526951471964},{"text":"So what I looked at was I looked at some tax mitigation strategies to be able to assist you with retirement and just, you know, reducing the taxes with pay.","start":98.79,"end":110.744995,"sentiment":"neutral","sentiment_score":0.17453361650307972},{"text":"Because we have that really good income coming in from the property, we're able to, I guess, play around a little bit more with the tax side of things.","start":110.744995,"end":118.54,"sentiment":"neutral","sentiment_score":0.21340520564338256}],"sentiment":"neutral","sentiment_score":0.1666092240193393,"num_words":128,"start":73.475,"end":118.54},{"sentences":[{"text":"So given well, given that your birthday is in just a few short months away, what I is basically move your funds from a and p signature to over into 24.","start":118.76,"end":129.5,"sentiment":"neutral","sentiment_score":0.09473148396899624},{"text":"Now the reason that is realistically that that AMP Signature Super, while it's still really a good super fund, it doesn't have the same access to investment options that some of your more broader platforms allow.","start":129.845,"end":144.47,"sentiment":"neutral","sentiment_score":0.1478662853025728},{"text":"So Hub twenty four is a much more broad investment platform.","start":144.47,"end":148.25,"sentiment":"neutral","sentiment_score":0.3066712821071798},{"text":"So it allows us to invest a little bit more heavily.","start":148.39,"end":151.75,"sentiment":"neutral","sentiment_score":0.30742068046873267},{"text":"We can change in all the stock options, which is really good too.","start":151.75,"end":155.53,"sentiment":"positive","sentiment_score":0.47883238242222714}],"sentiment":"neutral","sentiment_score":0.20823230229172052,"num_words":102,"start":118.76,"end":155.53},{"sentences":[{"text":"Now what I wanna do in the initial is leave a little bit of your money in AMP Signature Super.","start":156.80501,"end":161.045,"sentiment":"neutral","sentiment_score":0.16076885014772416},{"text":"The reason for that is that you have insurance there.","start":161.045,"end":163.125,"sentiment":"neutral","sentiment_score":-0.05029552020132542},{"text":"So I don't wanna lose that insurance while we're in that transition and while we're applying for that for our new policy.","start":163.125,"end":169.30501,"sentiment":"neutral","sentiment_score":-0.07959983277727258},{"text":"So when we apply for the new policy, I've recommended that we go through ClearView, and we're just looking to do a $500,000 life policy.","start":169.685,"end":180.74,"sentiment":"neutral","sentiment_score":0.15522618666291238},{"text":"So we're reducing the premiums quite excessively, which is great.","start":180.74,"end":185.435,"sentiment":"positive","sentiment_score":0.458159339427948}],"sentiment":"neutral","sentiment_score":0.10831578782406347,"num_words":87,"start":156.80501,"end":185.435},{"sentences":[{"text":"And we go from basically 2,600 down to, like, a thousand or $1,084.","start":186.05501,"end":192.315,"sentiment":"neutral","sentiment_score":0.21108319667669442},{"text":"So it's quite a savings on that policy, which will be really good because it'll keep money in the account.","start":193.415,"end":199.595,"sentiment":"positive","sentiment_score":0.46328271329402926},{"text":"And it basically just that policy, it covers the little bit of debt that we have.","start":200.91,"end":205.81001,"sentiment":"neutral","sentiment_score":0.17613985762000084},{"text":"So if anything happens, you know, all the mortgages, the the business overdraft, everything is all just cleared out.","start":206.03,"end":213.945,"sentiment":"neutral","sentiment_score":0.10374469682574272},{"text":"Now what will happen with that with that application, it will go through, like, an actual application questionnaire with you.","start":217.30501,"end":223.485,"sentiment":"neutral","sentiment_score":0.14682128541171552}],"sentiment":"neutral","sentiment_score":0.22426759650592099,"num_words":88,"start":186.05501,"end":223.485},{"sentences":[{"text":"We you'll have to disclose your health occupation history, and it underwrites the policy at the inception.","start":224.18501,"end":232.45999,"sentiment":"neutral","sentiment_score":0.07357163650586325},{"text":"So it means that claims time is a lot smoother.","start":232.45999,"end":234.8,"sentiment":"positive","sentiment_score":0.4585406810045242},{"text":"Now it isn't in it it is it is a life only policy.","start":234.94,"end":238.06,"sentiment":"neutral","sentiment_score":0.029612578738194246},{"text":"So in the event that you would have passed away or be diagnosed with a terminal illness, it does not cover you for sort of any injury or long term disability or anything like that, which we talked about you not wanting to do anyway.","start":238.06,"end":250.565,"sentiment":"neutral","sentiment_score":-0.12273683740446965},{"text":"So that's okay.","start":250.565,"end":251.46501,"sentiment":"neutral","sentiment_score":0.3243076105912526}],"sentiment":"neutral","sentiment_score":0.018986969350159845,"num_words":88,"start":224.18501,"end":251.46501},{"sentences":[{"text":"So massive savings on on the premium, which is great.","start":253.09,"end":256.15,"sentiment":"positive","sentiment_score":0.7692582547664643},{"text":"And then a bit of a rejig to your investments.","start":257.25,"end":260.71,"sentiment":"neutral","sentiment_score":0.1169340156018734},{"text":"Now when we come to your birthday now, obviously, I'm gonna be nice, and we're not gonna do it on your birthday because that's no fun for anyone.","start":260.85,"end":267.91,"sentiment":"neutral","sentiment_score":-0.11903792353613037},{"text":"But when we come to your birthday, they'll probably be just after your birthday.","start":269.595,"end":273.19498,"sentiment":"neutral","sentiment_score":-0.030050443751471385},{"text":"What we will start doing is we'll contact you and we'll set everything up.","start":273.19498,"end":276.395,"sentiment":"neutral","sentiment_score":0.06618648581206799}],"sentiment":"neutral","sentiment_score":0.07940480833579051,"num_words":76,"start":253.09,"end":276.395},{"sentences":[{"text":"It'll be a little bit of an application, but we'll take care of everything.","start":276.395,"end":278.555,"sentiment":"neutral","sentiment_score":0.08244068388428007},{"text":"We just need you to sign off on it.","start":278.555,"end":280.315,"sentiment":"neutral","sentiment_score":0.027989907811085384},{"text":"We will set up a pension account.","start":280.315,"end":282.84,"sentiment":"neutral","sentiment_score":0.06367788836359978},{"text":"So it'll sit right alongside your what's called an accumulation account, which is where your funds currently sit there in accumulation phase.","start":282.84,"end":289.82,"sentiment":"neutral","sentiment_score":0.05994573049247265},{"text":"So we migrate some of the funds over to a pension account, and what that does is that then allows you to start having a drawdown or an income coming and being paid to you.","start":290.12,"end":300.185,"sentiment":"neutral","sentiment_score":0.07427002649222102}],"sentiment":"neutral","sentiment_score":0.06632276966996577,"num_words":87,"start":276.395,"end":300.185},{"sentences":[{"text":"Now to be able to get the tax effectiveness, what we're gonna do is we're gonna start salary sacrificing.","start":300.805,"end":307.38498,"sentiment":"neutral","sentiment_score":0.05867359659781581},{"text":"So, basically, you're going to instead of getting the same like, the salary that you're currently getting, you will we will pop money into your fund from the business.","start":307.525,"end":317.48,"sentiment":"neutral","sentiment_score":0.0956986402643138},{"text":"So that way, you and the business aren't paying marginal tax rates.","start":318.5,"end":322.12,"sentiment":"neutral","sentiment_score":0.19287175436814627},{"text":"You're only paying that 15% superannuation rate.","start":322.805,"end":325.705,"sentiment":"neutral","sentiment_score":0.17933899802821024},{"text":"Once that when when that money goes in, we put that money into your super fund, and then we draw money out of your super fund tax free.","start":326.245,"end":335.865,"sentiment":"neutral","sentiment_score":0.13231731152960233}],"sentiment":"neutral","sentiment_score":0.1175239754154494,"num_words":95,"start":300.805,"end":335.865},{"sentences":[{"text":"So we're cutting down on heaps of tax that way, which is really good.","start":337.75,"end":341.45,"sentiment":"positive","sentiment_score":0.6388932019472122},{"text":"Now with the tax savings, basically, where we're sitting oh, I just skipped over that page.","start":342.55002,"end":348.79,"sentiment":"neutral","sentiment_score":0.07387453666888177},{"text":"Why did I skip it?","start":348.79,"end":350.33002,"sentiment":"neutral","sentiment_score":-0.06710288822650909},{"text":"My finger's moving faster than my brain is.","start":350.55002,"end":353.785,"sentiment":"neutral","sentiment_score":-0.038479453418403864},{"text":"So at at the end of it, basically, we save it's sickly about $1,600 in tax across both your income tax and your superannuation tax.","start":354.805,"end":367.705,"sentiment":"neutral","sentiment_score":0.11992192208766937}],"sentiment":"neutral","sentiment_score":0.18354699114227996,"num_words":68,"start":337.75,"end":367.705},{"sentences":[{"text":"What I'm recommending per annum.","start":368.48,"end":372.0,"sentiment":"neutral","sentiment_score":0.042739827558398245},{"text":"Yeah.","start":372.0,"end":372.5,"sentiment":"neutral","sentiment_score":0.08172525465488434},{"text":"What I'm realistically recommending is that we put $223,500 into the super fund.","start":375.52002,"end":385.955,"sentiment":"neutral","sentiment_score":0.2011187317279669},{"text":"And we can we can do that quite smoothly through, you know, just your normal weekly, monthly contributions.","start":386.575,"end":394.355,"sentiment":"positive","sentiment_score":0.33436943342288333},{"text":"It's, you know, it's we're not looking for a lump sum or anything like that.","start":395.52002,"end":398.88,"sentiment":"neutral","sentiment_score":0.0845196527739366}],"sentiment":"neutral","sentiment_score":0.19608485573329604,"num_words":52,"start":368.48,"end":398.88},{"sentences":[{"text":"So we we just do nice, steady income.","start":398.88,"end":401.44,"sentiment":"neutral","sentiment_score":0.33276034891605377},{"text":"So that way, you're still receiving an income through the business, and the business is still paying you.","start":401.44,"end":406.24002,"sentiment":"positive","sentiment_score":0.3428557846281264},{"text":"And then we can match up the income from the super fund to pay you as well.","start":406.24002,"end":412.395,"sentiment":"neutral","sentiment_score":0.22185065991738262},{"text":"So if you wanted to be paid each month from the super fund or each fortnight from the super fund, we can basically pay you regularly in that way.","start":412.395,"end":420.84,"sentiment":"neutral","sentiment_score":0.11422151147291579},{"text":"That way you're still having an income coming in that way tax free.","start":421.4,"end":424.86,"sentiment":"neutral","sentiment_score":0.20166143431113318}],"sentiment":"neutral","sentiment_score":0.21810553661164114,"num_words":85,"start":398.88,"end":424.86},{"sentences":[{"text":"So, yeah, so what we'll do is we'll we'll set that up basically just just after your birthday so that way everything runs smoothly there.","start":427.32,"end":434.36,"sentiment":"neutral","sentiment_score":0.22925655007362367},{"text":"And all in all, we end up in front, which is great.","start":434.36,"end":438.48502,"sentiment":"neutral","sentiment_score":0.27334215367833775},{"text":"So projection wise, we're sitting on back to be able to get a nice, you know, decent lump sum when we move forward.","start":439.345,"end":446.725,"sentiment":"neutral","sentiment_score":0.2716484257708425},{"text":"Now on the estate plan side of things, because we're setting up a new super fund, we do wanna make sure that the benefits are going to the right people.","start":447.825,"end":456.38998,"sentiment":"neutral","sentiment_score":0.21421976859370867},{"text":"And what I'm recommending is that we just nominate our spouse.","start":456.77,"end":460.31,"sentiment":"neutral","sentiment_score":0.1585387350483374}],"sentiment":"neutral","sentiment_score":0.23197972804012865,"num_words":101,"start":427.32,"end":460.31},{"sentences":[{"text":"A, it is the smoothest and easiest claim to undertake, and, b, for as long as we keep them our spouse, they are tax free to receive the benefit.","start":461.33,"end":471.045,"sentiment":"neutral","sentiment_score":0.28125154355476645},{"text":"We'll check-in with you every year anyway, and if relationship status or anything in that angles or your wishes change, we can always update that.","start":473.025,"end":480.17,"sentiment":"neutral","sentiment_score":0.10373189136385917},{"text":"Okay?","start":480.39,"end":480.89,"sentiment":"neutral","sentiment_score":0.16996362805366516},{"text":"So we'll get you the form so that way that's all taken care of on that one anyway.","start":481.19,"end":485.37,"sentiment":"neutral","sentiment_score":0.2671697926190164},{"text":"Okay?","start":485.67,"end":486.17,"sentiment":"neutral","sentiment_score":0.17389610409736633}],"sentiment":"neutral","sentiment_score":0.2148987573848383,"num_words":74,"start":461.33,"end":486.17},{"sentences":[{"text":"Perfect.","start":488.47,"end":488.97,"sentiment":"positive","sentiment_score":0.6211530566215515},{"text":"Now moving forward, we don't just drop off.","start":489.03,"end":490.815,"sentiment":"neutral","sentiment_score":0.1776814879849553},{"text":"There'll be a few steps and stages that we have to go through over the next few months, and then a few more when we go through your birthday and stuff.","start":490.895,"end":498.015,"sentiment":"neutral","sentiment_score":0.11466209602452093},{"text":"But, realistically, what, what we'll do from now is my team will call you and and implement everything.","start":498.015,"end":504.66998,"sentiment":"neutral","sentiment_score":0.16782519097129503},{"text":"They'll get all the documents posted out to you from, like, the beneficiary side, contribution forms, stuff like that.","start":504.66998,"end":510.90997,"sentiment":"neutral","sentiment_score":0.21477555836501874}],"sentiment":"neutral","sentiment_score":0.16491842835948065,"num_words":77,"start":488.47,"end":510.90997},{"sentences":[{"text":"So that way your new contributions can go into your new 24 fund.","start":510.90997,"end":514.37,"sentiment":"neutral","sentiment_score":0.32643480140429276},{"text":"And then set up a time I mean, I can do that now.","start":515.31,"end":517.70996,"sentiment":"neutral","sentiment_score":0.14124168570225054},{"text":"Set up a time that's best for you to be able to go through that ClearView application with my team.","start":517.70996,"end":522.955,"sentiment":"neutral","sentiment_score":0.1767624817788601},{"text":"The ClearView application, so the insurance application, we can do basically I mean, today, tomorrow would be fine if you had time.","start":527.495,"end":534.18,"sentiment":"neutral","sentiment_score":0.08144798671657388},{"text":"Yeah.","start":534.39996,"end":534.72,"sentiment":"neutral","sentiment_score":0.16687685251235962}],"sentiment":"neutral","sentiment_score":0.16773589171361233,"num_words":69,"start":510.90997,"end":534.72},{"sentences":[{"text":"It can be the the insurance application is pretty immediate.","start":534.72,"end":537.22,"sentiment":"neutral","sentiment_score":0.20584505200386047},{"text":"Absolutely.","start":546.315,"end":546.815,"sentiment":"neutral","sentiment_score":0.2539742588996887},{"text":"Yes.","start":547.035,"end":547.535,"sentiment":"neutral","sentiment_score":0.15959151089191437},{"text":"Would Thursday or Friday next week work for you?","start":547.83496,"end":550.095,"sentiment":"neutral","sentiment_score":0.14619726439317068},{"text":"Thursday?","start":551.595,"end":552.095,"sentiment":"neutral","sentiment_score":0.22185540199279785}],"sentiment":"neutral","sentiment_score":0.18225668506188827,"num_words":22,"start":534.72,"end":552.095},{"sentences":[{"text":"Fantastic.","start":552.315,"end":552.795,"sentiment":"positive","sentiment_score":0.46473151445388794},{"text":"Let me just have a quick look at times.","start":552.795,"end":554.735,"sentiment":"neutral","sentiment_score":0.16693899697727627},{"text":"Do you wanna go, like, 09:30, 10AM in the morning?","start":556.475,"end":560.095,"sentiment":"neutral","sentiment_score":0.09331408217549324},{"text":"Yep.","start":562.01,"end":562.41,"sentiment":"neutral","sentiment_score":0.31401821970939636},{"text":"Perfect.","start":562.41,"end":562.91,"sentiment":"positive","sentiment_score":0.6572834253311157}],"sentiment":"neutral","sentiment_score":0.1759829524565827,"num_words":22,"start":552.315,"end":562.91},{"sentences":[{"text":"Alright.","start":563.05,"end":563.52997,"sentiment":"positive","sentiment_score":0.5952495336532593},{"text":"Amazing.","start":563.52997,"end":564.01,"sentiment":"positive","sentiment_score":0.7451966404914856},{"text":"I will book you in for that one next next Thursday at 10AM.","start":564.01,"end":569.85,"sentiment":"positive","sentiment_score":0.3469562573501697},{"text":"And, yeah, I'll get Jack to give you a call Thursday to go through and and do that personal statement with you.","start":569.85,"end":576.47504,"sentiment":"neutral","sentiment_score":0.11404086734083566},{"text":"Okay?","start":576.47504,"end":576.97504,"sentiment":"neutral","sentiment_score":0.1153542548418045}],"sentiment":"neutral","sentiment_score":0.22302975936939842,"num_words":38,"start":563.05,"end":576.97504},{"sentences":[{"text":"Amazing.","start":578.315,"end":578.815,"sentiment":"positive","sentiment_score":0.38217854499816895},{"text":"It'll be the exact same line I'm calling from right now.","start":581.435,"end":584.315,"sentiment":"neutral","sentiment_score":0.17639782482927496},{"text":"So all of our phone lines are connected on the same call out.","start":584.315,"end":587.63,"sentiment":"neutral","sentiment_score":0.09903239573423679},{"text":"Yeah.","start":587.63,"end":588.13,"sentiment":"neutral","sentiment_score":0.2000556588172913},{"text":"No.","start":590.19,"end":590.43005,"sentiment":"neutral","sentiment_score":0.03748209401965141}],"sentiment":"neutral","sentiment_score":0.14250050057415609,"num_words":27,"start":578.315,"end":590.43005},{"sentences":[{"text":"That's okay.","start":590.43005,"end":591.15,"sentiment":"neutral","sentiment_score":0.060616262257099145},{"text":"Did you have any questions at all with regards to the advice where we're heading, I guess, our relationship moving forward?","start":591.15,"end":597.25,"sentiment":"neutral","sentiment_score":0.054873832634517124},{"text":"We do check your emails, but we do call as well.","start":604.845,"end":608.225,"sentiment":"neutral","sentiment_score":0.001284231770445},{"text":"I guess it's a a bit of a preferred message just because sometimes it's easier to answer the couple of questions over the phone.","start":608.365,"end":614.27,"sentiment":"neutral","sentiment_score":-0.005959154785765956},{"text":"But at at the same time, if you don't answer the phone because you are held up busy, whatever the case may be, we follow-up with a text and an email that you're able to respond to.","start":614.27,"end":621.09,"sentiment":"neutral","sentiment_score":-0.002414665159744185}],"sentiment":"neutral","sentiment_score":0.011108918247842475,"num_words":95,"start":590.43005,"end":621.09},{"sentences":[{"text":"Yeah.","start":624.11,"end":624.43,"sentiment":"neutral","sentiment_score":0.008327232673764229},{"text":"Yeah.","start":624.43,"end":624.75,"sentiment":"neutral","sentiment_score":0.007862118072807789},{"text":"Still bring on this this same 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Hello? Good. Thank you. Yeah. No. It's alright. Yep. Yep. Yep. Yep. Yes. Yes. You are a bit choppy in and out. I wouldn't like it. But that's alright. Your back's now That's me. Yes. Yes. Yes. Yep. Yep. Yep. Yes. Yep. Mhmm. Yes. Yep. Okay. Mhmm. Yep. Yep. Yep. Mhmm. Yes. Mhmm. Mhmm. Yep. Yeah. Yep. Yep. Yeah. Yep. Cool. Yep. Yeah. No. Yeah. Yeah. Yep. No. Mhmm. Yep. Yeah. Mhmm. Okay. Yep. Yep. Okay. Mhmm. Yes. Okay. Yep. Cool. Yep. Okay. Yes. Yep. It's per is that per annum? Yep. Yep. Yep. Yep. Okay. Yep. Mhmm. Okay. Yep. Yep. Okay. Yep. Mhmm. Okay. Cool. Okay. Yep. Mhmm. Yep. Yep. Yeah. Okay. Yep. Cool. Mhmm. Yep. Okay. Yep. Cool. Mhmm. Good. Yep. Yes. Mhmm. Is that, like, after my birthday, that time? Is that for that appointment? Oh, yeah, brother. Okay. I've got a sale on tomorrow and the next day, so I'm madly preparing for that. I can do it next week. Okay. Good. Thursday be good. Yeah. The same time is good. Yep. Yeah. Yeah. Thank you. Yep. Okay. Cool. Alright. Is that will that come through on a landline or a mobile? Or oh, yeah. Cool. Okay. Yep. Alright. Thank you. No. I don't think so. Now will you contact via will people check-in via emails or check-in via phone calls? Okay. Yeah. Yep. Okay. And that's still this phone number you'd ring on? Yes. Okay. Alright. I'll just list you. I'll put you in my contacts. That's all. Okay. Okay. Cool. Alright. Thank you. That's alright. Okay. Cool. Alright. Thanks so much. See you. 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Hello? Good. Thank you. Yeah.\n\nNo. It's alright. Yep. Yep. Yep.\n\nYep. Yes. Yes. You are a bit choppy in and out. I wouldn't like it.\n\nBut that's alright. Your back's now That's me. Yes. Yes. Yes.\n\nYep. Yep. Yep. Yes. Yep.\n\nMhmm. Yes. Yep. Okay. Mhmm.\n\nYep. Yep. Yep. Mhmm. Yes.\n\nMhmm. Mhmm. Yep. Yeah. Yep.\n\nYep. Yeah. Yep. Cool. Yep.\n\nYeah. No. Yeah. Yeah. Yep.\n\nNo. Mhmm. Yep. Yeah. Mhmm.\n\nOkay. Yep. Yep. Okay. Mhmm.\n\nYes. Okay. Yep. Cool. Yep.\n\nOkay. Yes. Yep. It's per is that per annum? Yep.\n\nYep. Yep. Yep. Okay. Yep.\n\nMhmm. Okay. Yep. Yep. Okay.\n\nYep. Mhmm. Okay. Cool. Okay.\n\nYep. Mhmm. Yep. Yep. Yeah.\n\nOkay. Yep. Cool. Mhmm. Yep.\n\nOkay. Yep. Cool. Mhmm. Good.\n\nYep. Yes. Mhmm. Is that, like, after my birthday, that time? Is that for that appointment?\n\nOh, yeah, brother. Okay. I've got a sale on tomorrow and the next day, so I'm madly preparing for that. I can do it next week. Okay.\n\nGood. Thursday be good. Yeah. The same time is good. Yep.\n\nYeah. Yeah. Thank you. Yep. Okay.\n\nCool. Alright. Is that will that come through on a landline or a mobile? Or oh, yeah. Cool.\n\nOkay. Yep. Alright. Thank you. No.\n\nI don't think so. Now will you contact via will people check-in via emails or check-in via phone calls? Okay. Yeah. Yep.\n\nOkay. And that's still this phone number you'd ring on? Yes. Okay. Alright.\n\nI'll just list you. I'll put you in my contacts. That's all. Okay. Okay.\n\nCool. Alright. Thank you. That's alright. Okay.\n\nCool. Alright. Thanks so much. See you. 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Larissa from OG\n\nChannel 1: Hello?\n\nChannel 0: Financial. How are you going?\n\nChannel 1: Good. Thank you.\n\nChannel 0: Have I caught you in an okay time?\n\nChannel 1: Yeah. No. It's alright. Yep. Yep.\n\nYep.\n\nChannel 0: Perfect. Amazing. Well, before I jump into it, I do need to let you know that our calls are recorded if that's okay with you.\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. Okay. So the reason of my call was just to, I guess, go through the advice document, just make sure that you're obviously happy with where everything fits and that you have a bit of an understanding on what the advice does entail and and, I guess, moving forward, what that that means for the relationship\n\nChannel 1: Yes.\n\nChannel 0: and how we're going to. Put. I'm just having a little bit of a technical issue right this second.\n\nChannel 1: Yes. You are a bit choppy in and out. I wouldn't like it. But that's alright.\n\nChannel 0: I'm\n\nChannel 1: Your\n\nChannel 0: I'm\n\nChannel 1: back's now\n\nChannel 0: glad you were I'm glad you're okay with it. Just must be Monday. Always\n\nChannel 1: That's\n\nChannel 0: happens\n\nChannel 1: me.\n\nChannel 0: on a Monday. It's not. Thank god for that.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Alright. Perfect. So the advice document does, I guess, outline everything, and it's very detailed. I know it's it's a headache.\n\nChannel 1: Yes.\n\nChannel 0: But, realistically, what it does is it goes through the fact that, like, you have a goal to retire at 66, and you're looking\n\nChannel 1: Yep.\n\nChannel 0: to have an income of that $12.50 per week.\n\nChannel 1: Yep.\n\nChannel 0: And that I know that you're very much, I guess, retirement plan is focused on the properties, but anything we can produce from the superannuation side becomes an added bonus.\n\nChannel 1: Yep. Yes.\n\nChannel 0: So what I looked at was I looked at some tax mitigation strategies to be able to assist you with retirement and just, you know, reducing the taxes with pay. Because we have that really good income coming in from the property, we're\n\nChannel 1: Yep.\n\nChannel 0: able to, I guess, play around a little bit more with the tax side of things. So\n\nChannel 1: Mhmm.\n\nChannel 0: given well, given that your birthday is in just a few short months away, what\n\nChannel 1: Yes.\n\nChannel 0: I is basically move your funds from a and p signature to over into 24. Now\n\nChannel 1: Yep.\n\nChannel 0: the reason that is realistically that that AMP Signature Super, while it's still really a good super fund, it doesn't have the same access to investment options that some of your more broader platforms allow. So Hub twenty four is a much more broad investment platform. So it allows\n\nChannel 1: Okay.\n\nChannel 0: us to invest a little bit more heavily. We can change in all the stock options, which is really good too. Now what I wanna do in the initial is leave a little bit of your money in AMP Signature Super.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: The reason for that is that you have insurance there. So I don't\n\nChannel 1: Yep.\n\nChannel 0: wanna lose that insurance while we're in that transition and while we're applying for that for our new policy. So\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: when we apply for the new policy, I've recommended that we go through ClearView, and we're just looking to do a $500,000 life policy. So we're\n\nChannel 1: Yes.\n\nChannel 0: reducing the premiums quite excessively, which is great.\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: And we go from basically 2,600 down to, like, a thousand or $1,084. So it's quite a savings on\n\nChannel 1: Yep.\n\nChannel 0: that\n\nChannel 1: Yeah.\n\nChannel 0: policy, which will be really good because it'll keep\n\nChannel 1: Yep.\n\nChannel 0: money in the account. And it basically just that policy, it covers the little bit of debt that we have. So if anything happens, you know, all the mortgages, the the\n\nChannel 1: Yep.\n\nChannel 0: business\n\nChannel 1: Yeah.\n\nChannel 0: overdraft, everything is all just cleared out.\n\nChannel 1: Yep. Cool.\n\nChannel 0: Now what will happen with that with that application, it will go through, like, an actual application questionnaire with you. We you'll have to disclose your health occupation history, and\n\nChannel 1: Yep.\n\nChannel 0: it underwrites the policy at the inception. So it means that claims time is a lot smoother. Now it isn't in it it is it is a life only policy. So in the event that you would have passed away or be diagnosed with a terminal illness,\n\nChannel 1: Yeah.\n\nChannel 0: it does not cover you for sort of any injury or long term disability\n\nChannel 1: No.\n\nChannel 0: or anything like that, which we talked about you not wanting to do anyway.\n\nChannel 1: Yeah.\n\nChannel 0: So that's okay. So massive savings on on the premium, which is great.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: And then a bit of a rejig to your investments. Now when we come to your birthday now, obviously, I'm gonna be nice, and we're not gonna do it on your birthday because that's no fun for anyone.\n\nChannel 1: No.\n\nChannel 0: But when we come to your birthday, they'll probably be just after your birthday. What we will start doing is we'll contact you and we'll set everything up. It'll be a little bit of an application, but we'll take care of everything. We just need you to sign off on it.\n\nChannel 1: Mhmm.\n\nChannel 0: We\n\nChannel 1: Yep.\n\nChannel 0: will set up a pension account. So it'll sit right alongside your what's called an accumulation account, which is where your funds currently sit there in accumulation phase.\n\nChannel 1: Yeah.\n\nChannel 0: So we migrate some of the funds over to a pension account, and\n\nChannel 1: Mhmm.\n\nChannel 0: what that does is that then allows you to start having a drawdown or an income coming\n\nChannel 1: Okay.\n\nChannel 0: and being paid to you. Now to be able to get the tax effectiveness, what we're gonna do is we're gonna start salary sacrificing. So, basically, you're going to instead of getting the same like, the salary that you're currently getting, you will we will pop money into your fund from the business.\n\nChannel 1: Yep.\n\nChannel 0: So that way, you and the business aren't paying marginal tax rates. You're only paying that 15% superannuation rate.\n\nChannel 1: Yep.\n\nChannel 0: Once that\n\nChannel 1: Okay.\n\nChannel 0: when when that money goes in, we put that money into your super fund, and then we draw money out of your super fund tax free.\n\nChannel 1: Mhmm. Yes. Okay. Yep. Cool.\n\nChannel 0: So we're cutting down on heaps of tax that way, which is really good.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Now with the tax savings, basically, where we're sitting oh, I just skipped over that page. Why did I skip it? My finger's moving faster than my brain\n\nChannel 1: Yes.\n\nChannel 0: is. So at at the end of it, basically, we save it's sickly about $1,600 in tax across both your income tax and your superannuation tax.\n\nChannel 1: Yep.\n\nChannel 0: What\n\nChannel 1: It's\n\nChannel 0: I'm recommending\n\nChannel 1: per is that per annum?\n\nChannel 0: per annum. Yeah.\n\nChannel 1: Yep. Yep.\n\nChannel 0: What I'm realistically recommending is that we put $223,500 into the super fund.\n\nChannel 1: Yep.\n\nChannel 0: And we can we can do that quite smoothly through, you know, just your normal weekly, monthly contributions.\n\nChannel 1: Yep. Okay.\n\nChannel 0: It's, you know, it's we're not looking for a lump sum or anything\n\nChannel 1: Yep.\n\nChannel 0: like that. So we we just\n\nChannel 1: Mhmm.\n\nChannel 0: do nice, steady income. So that way, you're still receiving an income through the business, and the business is still paying you. And then we can match up the income from the super fund to pay you as well. So if you\n\nChannel 1: Okay.\n\nChannel 0: wanted\n\nChannel 1: Yep.\n\nChannel 0: to be paid each month from the super fund or each fortnight from the super fund, we can basically\n\nChannel 1: Yep.\n\nChannel 0: pay you regularly in that\n\nChannel 1: Okay.\n\nChannel 0: way.\n\nChannel 1: Yep.\n\nChannel 0: That way you're still having an income coming in that way tax free.\n\nChannel 1: Mhmm. Okay. Cool.\n\nChannel 0: So, yeah, so what we'll do is we'll we'll set that up basically just just after your birthday so that way everything runs smoothly there. And all in all, we end up in front, which\n\nChannel 1: Okay.\n\nChannel 0: is great.\n\nChannel 1: Yep.\n\nChannel 0: So projection wise, we're sitting on back to be able to get a nice, you know, decent lump sum when we move forward.\n\nChannel 1: Mhmm.\n\nChannel 0: Now on the estate plan side of things, because we're setting up a new super fund, we do wanna make sure that the benefits are going to the right people. And\n\nChannel 1: Yep.\n\nChannel 0: what I'm recommending is that we just nominate our spouse.\n\nChannel 1: Yep.\n\nChannel 0: A, it is the smoothest and easiest\n\nChannel 1: Yeah.\n\nChannel 0: claim to undertake, and, b, for as long as we keep them our spouse, they are tax free to receive the benefit.\n\nChannel 1: Okay. Yep. Cool. Mhmm.\n\nChannel 0: We'll check-in with you every year anyway, and if relationship status or anything\n\nChannel 1: Yep.\n\nChannel 0: in that angles or your wishes change, we can always\n\nChannel 1: Okay.\n\nChannel 0: update that.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Cool.\n\nChannel 0: So we'll get you the form so that way that's all taken care of on that one\n\nChannel 1: Mhmm.\n\nChannel 0: anyway. Okay?\n\nChannel 1: Good.\n\nChannel 0: Perfect. Now moving forward, we don't just drop off. There'll be a few steps and stages that we have to go through over the next few months, and\n\nChannel 1: Yep.\n\nChannel 0: then a few more when we go through your birthday and stuff. But, realistically, what, what we'll do from now is my team will call you and\n\nChannel 1: Yes.\n\nChannel 0: and implement everything. They'll get all the documents posted out to you from, like, the beneficiary side, contribution forms, stuff like that. So that way your new contributions can go into your new 24 fund. And then set up a time I mean, I can do that now. Set up a time that's best for you to be able to go through that ClearView application with my team.\n\nChannel 1: Mhmm. Is that, like, after my birthday, that time? Is that for that appointment?\n\nChannel 0: The ClearView application, so the insurance application, we can do basically I mean, today, tomorrow would be\n\nChannel 1: Oh,\n\nChannel 0: fine\n\nChannel 1: yeah, brother.\n\nChannel 0: if you had time. Yeah. It can be the the insurance application is pretty immediate.\n\nChannel 1: Okay. I've got a sale on tomorrow and the next day, so I'm madly preparing for that. I can do it next week.\n\nChannel 0: Absolutely. Yes.\n\nChannel 1: Okay. Good.\n\nChannel 0: Would Thursday or Friday next week work for you?\n\nChannel 1: Thursday be good.\n\nChannel 0: Thursday? Fantastic. Let me just have a quick look at times. Do you wanna go, like, 09:30, 10AM in the morning?\n\nChannel 1: Yeah. The same time is good. Yep. Yeah. Yeah.\n\nChannel 0: Yep. Perfect. Alright. Amazing. I will book you in for that one next\n\nChannel 1: Thank you.\n\nChannel 0: next Thursday\n\nChannel 1: Yep.\n\nChannel 0: at 10AM. And, yeah, I'll get Jack to give you a call Thursday\n\nChannel 1: Okay.\n\nChannel 0: to go through and and do that personal statement with you. Okay?\n\nChannel 1: Cool. Alright. Is that will that\n\nChannel 0: Amazing.\n\nChannel 1: come through on a landline or a mobile? Or\n\nChannel 0: It'll be the exact same line I'm calling from\n\nChannel 1: oh, yeah.\n\nChannel 0: right now.\n\nChannel 1: Cool.\n\nChannel 0: So all\n\nChannel 1: Okay.\n\nChannel 0: of our phone lines are connected on the same\n\nChannel 1: Yep.\n\nChannel 0: call out.\n\nChannel 1: Alright.\n\nChannel 0: Yeah.\n\nChannel 1: Thank you.\n\nChannel 0: No. That's okay. Did you have any questions at all with regards to the advice where we're heading, I guess, our relationship moving forward?\n\nChannel 1: No. I don't think so. Now will you contact via will people check-in via emails or check-in via phone calls?\n\nChannel 0: We do check your emails, but we do call as well. I guess it's a a\n\nChannel 1: Okay.\n\nChannel 0: bit of a preferred message just because sometimes it's\n\nChannel 1: Yeah.\n\nChannel 0: easier to answer the couple of questions over the phone. But\n\nChannel 1: Yep.\n\nChannel 0: at at the same time, if you don't answer the phone because you are held up busy, whatever the case may be, we follow-up with a text and an email that you're able\n\nChannel 1: Okay.\n\nChannel 0: to respond to.\n\nChannel 1: And that's still this phone number you'd ring on?\n\nChannel 0: Yeah. Yeah. Still bring on this\n\nChannel 1: Yes.\n\nChannel 0: this same number.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Alright. I'll just list you. I'll put you in my contacts. That's all.\n\nChannel 0: No. Absolutely. And then, yeah, you can always go call into this number, or we have our 1300\n\nChannel 1: Okay.\n\nChannel 0: number as well either\n\nChannel 1: Okay.\n\nChannel 0: either way.\n\nChannel 1: Cool. Alright. Thank you.\n\nChannel 0: No. That's okay, Donna. Thanks for taking a couple minutes to have a chat with\n\nChannel 1: That's\n\nChannel 0: me\n\nChannel 1: alright.\n\nChannel 0: this morning, but\n\nChannel 1: Okay.\n\nChannel 0: I'll get Jack to give you a call next week.\n\nChannel 1: Cool. Alright. Thanks so much.\n\nChannel 0: That's okay. Thanks, Jeff. Bye.\n\nChannel 1: See you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.022114690393209457}],"sentiment":"neutral","sentiment_score":0.022114690393209457,"channel":1,"num_words":1,"start":0.56,"end":1.06},{"sentences":[{"text":"Hi, Donna.","start":1.92,"end":2.96,"sentiment":"neutral","sentiment_score":0.06051177904009819},{"text":"Larissa from OG","start":2.96,"end":3.84,"sentiment":"neutral","sentiment_score":0.06187887489795685}],"sentiment":"neutral","sentiment_score":0.06133203655481338,"channel":0,"num_words":5,"start":1.92,"end":3.84},{"sentences":[{"text":"Hello?","start":3.76,"end":4.26,"sentiment":"neutral","sentiment_score":0.047719284892082214}],"sentiment":"neutral","sentiment_score":0.047719284892082214,"channel":1,"num_words":1,"start":3.76,"end":4.26},{"sentences":[{"text":"Financial.","start":3.84,"end":4.24,"sentiment":"neutral","sentiment_score":0.07769490778446198},{"text":"How are you going?","start":4.24,"end":5.06,"sentiment":"neutral","sentiment_score":0.17204749584197998}],"sentiment":"neutral","sentiment_score":0.15317697823047638,"channel":0,"num_words":5,"start":3.84,"end":5.06},{"sentences":[{"text":"Good.","start":5.2,"end":5.52,"sentiment":"positive","sentiment_score":0.5937402248382568},{"text":"Thank you.","start":5.52,"end":6.2599998,"sentiment":"positive","sentiment_score":0.6007053852081299}],"sentiment":"positive","sentiment_score":0.5983836650848389,"channel":1,"num_words":3,"start":5.2,"end":6.2599998},{"sentences":[{"text":"Have I caught you in an okay time?","start":6.8799996,"end":8.82,"sentiment":"neutral","sentiment_score":0.16130650509148836}],"sentiment":"neutral","sentiment_score":0.16130650509148836,"channel":0,"num_words":8,"start":6.8799996,"end":8.82},{"sentences":[{"text":"Yeah.","start":8.559999,"end":8.8,"sentiment":"neutral","sentiment_score":0.04236805438995361},{"text":"No.","start":8.8,"end":9.04,"sentiment":"neutral","sentiment_score":0.007247103378176689},{"text":"It's alright.","start":9.04,"end":9.5199995,"sentiment":"neutral","sentiment_score":0.04439035430550575},{"text":"Yep.","start":9.5199995,"end":9.84,"sentiment":"neutral","sentiment_score":0.07815363258123398},{"text":"Yep.","start":9.84,"end":10.08,"sentiment":"neutral","sentiment_score":0.08975967019796371}],"sentiment":"neutral","sentiment_score":0.05105152819305658,"channel":1,"num_words":6,"start":8.559999,"end":10.08},{"sentences":[{"text":"Yep.","start":10.08,"end":10.58,"sentiment":"neutral","sentiment_score":0.19827240705490112}],"sentiment":"neutral","sentiment_score":0.19827240705490112,"channel":1,"num_words":1,"start":10.08,"end":10.58},{"sentences":[{"text":"Perfect.","start":11.12,"end":11.62,"sentiment":"positive","sentiment_score":0.7075480222702026},{"text":"Amazing.","start":11.679999,"end":12.179999,"sentiment":"positive","sentiment_score":0.6893167495727539},{"text":"Well, before I jump into it, I do need to let you know that our calls are recorded if that's okay with you.","start":12.48,"end":17.675,"sentiment":"neutral","sentiment_score":0.11068419205105823}],"sentiment":"neutral","sentiment_score":0.15770404756069184,"channel":0,"num_words":25,"start":11.12,"end":17.675},{"sentences":[{"text":"Yep.","start":17.825,"end":18.325,"sentiment":"neutral","sentiment_score":0.2779082953929901}],"sentiment":"neutral","sentiment_score":0.2779082953929901,"channel":1,"num_words":1,"start":17.825,"end":18.325},{"sentences":[{"text":"Fantastic.","start":19.175,"end":19.675,"sentiment":"positive","sentiment_score":0.55738365650177},{"text":"Okay.","start":20.695,"end":21.195,"sentiment":"neutral","sentiment_score":0.3177216649055481},{"text":"So the reason of my call was just to, I guess, go through the advice document, just make sure that you're obviously happy with where everything fits and that you have a bit of an understanding on what the advice does entail and and, I guess, moving forward, what that that means for the relationship","start":21.335,"end":42.54,"sentiment":"neutral","sentiment_score":0.245396627350287}],"sentiment":"neutral","sentiment_score":0.25213894431005446,"channel":0,"num_words":57,"start":19.175,"end":42.54},{"sentences":[{"text":"Yes.","start":42.39,"end":42.89,"sentiment":"neutral","sentiment_score":0.13286079466342926}],"sentiment":"neutral","sentiment_score":0.13286079466342926,"channel":1,"num_words":1,"start":42.39,"end":42.89},{"sentences":[{"text":"and how we're going to.","start":42.6,"end":44.06,"sentiment":"neutral","sentiment_score":0.10673809200525283},{"text":"Put.","start":44.975002,"end":45.055,"sentiment":"neutral","sentiment_score":-0.012259362265467644},{"text":"I'm just having a little bit of a technical issue right this second.","start":45.055,"end":48.835,"sentiment":"neutral","sentiment_score":-0.12452226877212524}],"sentiment":"neutral","sentiment_score":-0.057755705067201665,"channel":0,"num_words":19,"start":42.6,"end":48.835},{"sentences":[{"text":"Yes.","start":48.435,"end":48.755,"sentiment":"neutral","sentiment_score":-0.10307984054088593},{"text":"You are a bit choppy in and out.","start":48.755,"end":50.775,"sentiment":"neutral","sentiment_score":-0.2797324135899544},{"text":"I wouldn't like it.","start":50.995,"end":52.275,"sentiment":"neutral","sentiment_score":-0.33078183233737946},{"text":"But that's alright.","start":52.275,"end":52.915,"sentiment":"neutral","sentiment_score":-0.03297797217965126}],"sentiment":"neutral","sentiment_score":-0.23518752469681203,"channel":1,"num_words":16,"start":48.435,"end":52.915},{"sentences":[{"text":"I'm","start":52.735,"end":53.055,"sentiment":"neutral","sentiment_score":0.12553369998931885}],"sentiment":"neutral","sentiment_score":0.12553369998931885,"channel":0,"num_words":1,"start":52.735,"end":53.055},{"sentences":[{"text":"Your","start":52.915,"end":53.075,"sentiment":"neutral","sentiment_score":0.22284579277038577}],"sentiment":"neutral","sentiment_score":0.22284579277038577,"channel":1,"num_words":1,"start":52.915,"end":53.075},{"sentences":[{"text":"I'm","start":53.055,"end":53.555,"sentiment":"positive","sentiment_score":0.34927067160606384}],"sentiment":"positive","sentiment_score":0.34927067160606384,"channel":0,"num_words":1,"start":53.055,"end":53.555},{"sentences":[{"text":"back's now","start":53.075,"end":53.635002,"sentiment":"positive","sentiment_score":0.39662234485149384}],"sentiment":"positive","sentiment_score":0.39662234485149384,"channel":1,"num_words":2,"start":53.075,"end":53.635002},{"sentences":[{"text":"glad you were I'm glad you're okay with it.","start":54.415,"end":56.835,"sentiment":"positive","sentiment_score":0.41263653503523934},{"text":"Just must be Monday.","start":60.059998,"end":61.44,"sentiment":"neutral","sentiment_score":-0.03243456967175007},{"text":"Always","start":62.7,"end":63.02,"sentiment":"neutral","sentiment_score":-0.041428521275520325}],"sentiment":"neutral","sentiment_score":0.2530401439539024,"channel":0,"num_words":14,"start":54.415,"end":63.02},{"sentences":[{"text":"That's","start":62.82,"end":63.14,"sentiment":"neutral","sentiment_score":-0.06408001482486725}],"sentiment":"neutral","sentiment_score":-0.06408001482486725,"channel":1,"num_words":1,"start":62.82,"end":63.14},{"sentences":[{"text":"happens","start":63.02,"end":63.26,"sentiment":"neutral","sentiment_score":-0.03130074217915535}],"sentiment":"neutral","sentiment_score":-0.03130074217915535,"channel":0,"num_words":1,"start":63.02,"end":63.26},{"sentences":[{"text":"me.","start":63.14,"end":63.64,"sentiment":"neutral","sentiment_score":-0.06868885457515717}],"sentiment":"neutral","sentiment_score":-0.06868885457515717,"channel":1,"num_words":1,"start":63.14,"end":63.64},{"sentences":[{"text":"on a Monday.","start":63.26,"end":63.899998,"sentiment":"neutral","sentiment_score":-0.07597882052262624},{"text":"It's not.","start":63.899998,"end":64.46,"sentiment":"neutral","sentiment_score":-0.11951827630400658},{"text":"Thank god for that.","start":64.46,"end":65.52,"sentiment":"neutral","sentiment_score":-0.025359082967042923}],"sentiment":"neutral","sentiment_score":-0.06315659400489596,"channel":0,"num_words":9,"start":63.26,"end":65.52},{"sentences":[{"text":"Yes.","start":65.3,"end":65.46,"sentiment":"neutral","sentiment_score":0.028825558722019196},{"text":"Yes.","start":65.46,"end":65.96,"sentiment":"neutral","sentiment_score":0.05110523849725723}],"sentiment":"neutral","sentiment_score":0.039965398609638214,"channel":1,"num_words":2,"start":65.3,"end":65.96},{"sentences":[{"text":"Alright.","start":66.78,"end":67.26,"sentiment":"neutral","sentiment_score":0.12824678421020508},{"text":"Perfect.","start":67.26,"end":67.659996,"sentiment":"neutral","sentiment_score":0.2404921352863312},{"text":"So the advice document does, I guess, outline everything, and it's very detailed.","start":67.659996,"end":73.475,"sentiment":"neutral","sentiment_score":0.12257846903342468},{"text":"I know it's it's a headache.","start":73.475,"end":74.855,"sentiment":"neutral","sentiment_score":-0.092407938092947}],"sentiment":"neutral","sentiment_score":0.06703863754158929,"channel":0,"num_words":21,"start":66.78,"end":74.855},{"sentences":[{"text":"Yes.","start":74.58,"end":74.955,"sentiment":"neutral","sentiment_score":0.02952064760029316}],"sentiment":"neutral","sentiment_score":0.02952064760029316,"channel":1,"num_words":1,"start":74.58,"end":74.955},{"sentences":[{"text":"But, realistically, what it does is it goes through the fact that, like, you have a goal to retire at 66, and you're looking","start":76.755005,"end":82.755005,"sentiment":"neutral","sentiment_score":0.11856496303031842}],"sentiment":"neutral","sentiment_score":0.11856496303031842,"channel":0,"num_words":24,"start":76.755005,"end":82.755005},{"sentences":[{"text":"Yep.","start":82.395004,"end":82.895004,"sentiment":"neutral","sentiment_score":0.107627771794796}],"sentiment":"neutral","sentiment_score":0.107627771794796,"channel":1,"num_words":1,"start":82.395004,"end":82.895004},{"sentences":[{"text":"to have an income of that $12.50 per 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The agent explains that the advice document outlines everything and provides detailed information on retirement plans. They also explain how to use the retirement plan to reduce taxes and increase income and emphasize the benefits of the policy. The agent emphasizes the use of the customer's salary to pay for their retirement and schedules a call for the next week to discuss the personal statement."},"intents":{"segments":[{"text":"But, realistically, what it does is it goes through the fact that, like, you have a goal to retire at 66, and you're looking Yep. to have an income of that $12.50 per week. Yep. And that I know that you're very much, I guess, retirement plan is focused on the properties, but anything we can produce from the superannuation side becomes an added bonus. Yep.","start_word":204,"end_word":269,"intents":[{"intent":"Discuss retirement strategy","confidence_score":0.0046287905}]},{"text":"The reason for that is that you have insurance there. So I don't Yep. wanna lose that insurance while we're in that transition and while we're applying for that for our new policy. So Yep.","start_word":459,"end_word":493,"intents":[{"intent":"Apply for insurance","confidence_score":0.031321492}]},{"text":"will set up a pension account. So it'll sit right alongside your what's called an accumulation account, which is where your funds currently sit there in accumulation phase. Yeah.","start_word":824,"end_word":852,"intents":[{"intent":"Set up pension account","confidence_score":0.56207186}]},{"text":"Now to be able to get the tax effectiveness, what we're gonna do is we're gonna start salary sacrificing. So, basically, you're going to instead of getting the same like, the salary that you're currently getting, you will we will pop money into your fund from the business.","start_word":890,"end_word":937,"intents":[{"intent":"Maintain income","confidence_score":0.0001993899}]},{"text":"Now to be able to get the tax effectiveness, what we're gonna do is we're gonna start salary sacrificing. So, basically, you're going to instead of getting the same like, the salary that you're currently getting, you will we will pop money into your fund from the business. Yep.","start_word":890,"end_word":938,"intents":[{"intent":"Obtain tax effectiveness","confidence_score":0.03044762}]},{"text":"So we're cutting down on heaps of tax that way, which is really good. Yep.","start_word":993,"end_word":1007,"intents":[{"intent":"Decide on tax savings","confidence_score":0.000057228466}]},{"text":"Now with the tax savings, basically, where we're sitting oh, I just skipped over that page. Why did I skip it? My finger's moving faster than my brain Yes. is. So at at the end of it, basically, we save it's sickly about $1,600 in tax across both your income tax and your superannuation tax. Yep.","start_word":1009,"end_word":1064,"intents":[{"intent":"Discuss and discuss tax savings","confidence_score":0.0000026868152}]},{"text":"What I'm realistically recommending is that we put $223,500 into the super fund. Yep.","start_word":1079,"end_word":1092,"intents":[{"intent":"Recommend monthly contributions","confidence_score":0.13057075},{"intent":"Plan to set up monthly premiums","confidence_score":1.2372547e-7}]},{"text":"claim to undertake, and, b, for as long as we keep them our spouse, they are tax free to receive the benefit. Okay.","start_word":1337,"end_word":1359,"intents":[{"intent":"Apply for benefit","confidence_score":0.00014972163}]},{"text":"I will book you in for that one next Thank you.","start_word":1662,"end_word":1672,"intents":[{"intent":"Book appointment","confidence_score":0.39742637}]},{"text":"Thanks, Jeff. Bye. See you. Bye.","start_word":1974,"end_word":1979,"intents":[{"intent":"Reporting intents","confidence_score":0.00010990145}]},{"text":"Bye.","start_word":1979,"end_word":1979,"intents":[{"intent":"Confirming understanding","confidence_score":0.0004708035},{"intent":"Expressing gratitude","confidence_score":0.34955898},{"intent":"Acknowledging understanding","confidence_score":0.06630075},{"intent":"Introducing oneself","confidence_score":0.015615303},{"intent":"Acknowledging understanding","confidence_score":0.040297206},{"intent":"Introducing oneself","confidence_score":0.024259796}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Donna. Larissa from OG Hello? Financial. How are you going?","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.08669246733188629},{"text":"Good. Thank you.","start_word":12,"end_word":14,"sentiment":"positive","sentiment_score":0.5810416340827942},{"text":"Have I caught you in an okay time? Yeah. No. It's alright. Yep. Yep. Yep.","start_word":15,"end_word":29,"sentiment":"neutral","sentiment_score":0.10427781939506532},{"text":"Perfect. Amazing.","start_word":30,"end_word":31,"sentiment":"positive","sentiment_score":0.6984323859214783},{"text":"Well, before I jump into it, I do need to let you know that our calls are recorded if that's okay with you. Yep.","start_word":32,"end_word":55,"sentiment":"neutral","sentiment_score":0.13005447387695312},{"text":"Fantastic.","start_word":56,"end_word":56,"sentiment":"positive","sentiment_score":0.55738365650177},{"text":"Okay. So the reason of my call was just to, I guess, go through the advice document, just make sure that you're obviously happy with where everything fits and that you have a bit of an understanding on what the advice does entail and and, I guess, moving forward, what that that means for the relationship Yes. and how we're going to. Put. I'm just having a little bit of a technical issue right this second. Yes. You are a bit choppy in and out. I wouldn't like it. But that's alright.","start_word":57,"end_word":148,"sentiment":"neutral","sentiment_score":0.07503325492143631},{"text":"I'm Your I'm back's now glad you were I'm glad you're okay with it.","start_word":149,"end_word":162,"sentiment":"positive","sentiment_score":0.35589948296546936},{"text":"Just must be Monday. Always That's happens me. on a Monday. It's not. Thank god for that. Yes. Yes. Alright. Perfect. So the advice document does, I guess, outline everything, and it's very detailed. I know it's it's a headache. Yes. But, realistically, what it does is it goes through the fact that, like, you have a goal to retire at 66, and you're looking Yep. to have an income of that $12.50 per week. Yep. And that I know that you're very much, I guess, retirement plan is focused on the properties, but anything we can produce from the superannuation side becomes an added bonus. Yep. Yes. So what I looked at was I looked at some tax mitigation strategies to be able to assist you with retirement and just, you know, reducing the taxes with pay. Because we have that really good income coming in from the property, we're Yep. able to, I guess, play around a little bit more with the tax side of things. So Mhmm. given well, given that your birthday is in just a few short months away, what Yes. I is basically move your funds from a and p signature to over into 24. Now Yep. the reason that is realistically that that AMP Signature Super, while it's still really a good super fund, it doesn't have the same access to investment options that some of your more broader platforms allow. So Hub twenty four is a much more broad investment platform.","start_word":163,"end_word":411,"sentiment":"neutral","sentiment_score":0.13176371528202271},{"text":"So it allows Okay.","start_word":412,"end_word":415,"sentiment":"positive","sentiment_score":0.37353941798210144},{"text":"us to invest a little bit more heavily.","start_word":416,"end_word":423,"sentiment":"neutral","sentiment_score":0.3046639859676361},{"text":"We can change in all the stock options, which is really good too.","start_word":424,"end_word":436,"sentiment":"positive","sentiment_score":0.4689405560493469},{"text":"Now what I wanna do in the initial is leave a little bit of your money in AMP Signature Super. Mhmm. Yep. The reason for that is that you have insurance there. So I don't Yep. wanna lose that insurance while we're in that transition and while we're applying for that for our new policy. So Yep. Mhmm. when we apply for the new policy, I've recommended that we go through ClearView, and we're just looking to do a $500,000 life policy. So we're Yes.","start_word":437,"end_word":521,"sentiment":"neutral","sentiment_score":0.06854449212551117},{"text":"reducing the premiums quite excessively, which is great.","start_word":522,"end_word":529,"sentiment":"positive","sentiment_score":0.5089122653007507},{"text":"Mhmm. Mhmm. And we go from basically 2,600 down to, like, a thousand or $1,084. So it's quite a savings on Yep.","start_word":530,"end_word":551,"sentiment":"neutral","sentiment_score":0.2669343054294586},{"text":"that Yeah. policy, which will be really good because it'll keep Yep. money in the account.","start_word":552,"end_word":567,"sentiment":"positive","sentiment_score":0.4515627324581146},{"text":"And it basically just that policy, it covers the little bit of debt that we have. So if anything happens, you know, all the mortgages, the the Yep. business Yeah. overdraft, everything is all just cleared out. Yep.","start_word":568,"end_word":605,"sentiment":"neutral","sentiment_score":0.1358014941215515},{"text":"Cool.","start_word":606,"end_word":606,"sentiment":"positive","sentiment_score":0.4243890047073364},{"text":"Now what will happen with that with that application, it will go through, like, an actual application questionnaire with you. We you'll have to disclose your health occupation history, and Yep. it underwrites the policy at the inception.","start_word":607,"end_word":644,"sentiment":"neutral","sentiment_score":0.11132925748825072},{"text":"So it means that claims time is a lot smoother.","start_word":645,"end_word":654,"sentiment":"positive","sentiment_score":0.4578671157360077},{"text":"Now it isn't in it it is it is a life only policy. So in the event that you would have passed away or be diagnosed with a terminal illness, Yeah. it does not cover you for sort of any injury or long term disability No. or anything like that, which we talked about you not wanting to do anyway. Yeah.","start_word":655,"end_word":715,"sentiment":"neutral","sentiment_score":-0.08065401017665863},{"text":"So that's okay. So massive savings on on the premium, which is great.","start_word":716,"end_word":728,"sentiment":"positive","sentiment_score":0.6223663091659546},{"text":"Yeah. Yep. And then a bit of a rejig to your investments. Now when we come to your birthday now, obviously, I'm gonna be nice, and we're not gonna do it on your birthday because that's no fun for anyone. No. But when we come to your birthday, they'll probably be just after your birthday. What we will start doing is we'll contact you and we'll set everything up. It'll be a little bit of an application, but we'll take care of everything. We just need you to sign off on it. Mhmm. We Yep. will set up a pension account. So it'll sit right alongside your what's called an accumulation account, which is where your funds currently sit there in accumulation phase. Yeah. So we migrate some of the funds over to a pension account, and Mhmm. what that does is that then allows you to start having a drawdown or an income coming Okay. and being paid to you. Now to be able to get the tax effectiveness, what we're gonna do is we're gonna start salary sacrificing. So, basically, you're going to instead of getting the same like, the salary that you're currently getting, you will we will pop money into your fund from the business. Yep. So that way, you and the business aren't paying marginal tax rates. You're only paying that 15% superannuation rate. Yep. Once that Okay. when when that money goes in, we put that money into your super fund, and then we draw money out of your super fund tax free. Mhmm. Yes. Okay.","start_word":729,"end_word":990,"sentiment":"neutral","sentiment_score":0.06336868554353714},{"text":"Yep. Cool. So we're cutting down on heaps of tax that way, which is really good.","start_word":991,"end_word":1006,"sentiment":"positive","sentiment_score":0.6096221208572388},{"text":"Yep. Okay. Now with the tax savings, basically, where we're sitting oh, I just skipped over that page. Why did I skip it? My finger's moving faster than my brain Yes. is. So at at the end of it, basically, we save it's sickly about $1,600 in tax across both your income tax and your superannuation tax. Yep. What It's I'm recommending per is that per annum? per annum. Yeah. Yep. Yep. What I'm realistically recommending is that we put $223,500 into the super fund. Yep. And we can we can do that quite smoothly through, you know, just your normal weekly, monthly contributions. Yep. Okay. It's, you know, it's we're not looking for a lump sum or anything Yep. like that. So we we just Mhmm.","start_word":1007,"end_word":1133,"sentiment":"neutral","sentiment_score":0.1291337013244629},{"text":"do nice, steady income. So that way, you're still receiving an income through the business, and the business is still paying you.","start_word":1134,"end_word":1155,"sentiment":"positive","sentiment_score":0.3595119118690491},{"text":"And then we can match up the income from the super fund to pay you as well. So if you Okay. wanted Yep. to be paid each month from the super fund or each fortnight from the super fund, we can basically Yep. pay you regularly in that Okay. way. Yep. That way you're still having an income coming in that way tax free. Mhmm. Okay. Cool. So, yeah, so what we'll do is we'll we'll set that up basically just just after your birthday so that way everything runs smoothly there. And all in all, we end up in front, which Okay.","start_word":1156,"end_word":1258,"sentiment":"neutral","sentiment_score":0.18212653696537015},{"text":"is great.","start_word":1259,"end_word":1260,"sentiment":"positive","sentiment_score":0.5395443439483643},{"text":"Yep. So projection wise, we're sitting on back to be able to get a nice, you know, decent lump sum when we move forward. Mhmm. Now on the estate plan side of things, because we're setting up a new super fund, we do wanna make sure that the benefits are going to the right people. And Yep. what I'm recommending is that we just nominate our spouse. Yep.","start_word":1261,"end_word":1328,"sentiment":"neutral","sentiment_score":0.22047402753549464},{"text":"A, it is the smoothest and easiest Yeah.","start_word":1329,"end_word":1336,"sentiment":"positive","sentiment_score":0.4239596724510193},{"text":"claim to undertake, and, b, for as long as we keep them our spouse, they are tax free to receive the benefit. Okay. Yep.","start_word":1337,"end_word":1360,"sentiment":"neutral","sentiment_score":0.2196431905031204},{"text":"Cool.","start_word":1361,"end_word":1361,"sentiment":"positive","sentiment_score":0.3745473623275757},{"text":"Mhmm. We'll check-in with you every year anyway, and if relationship status or anything Yep. in that angles or your wishes change, we can always Okay. update that. Yep. Okay?","start_word":1362,"end_word":1391,"sentiment":"neutral","sentiment_score":0.11659431457519533},{"text":"Cool.","start_word":1392,"end_word":1392,"sentiment":"positive","sentiment_score":0.3929300308227539},{"text":"So we'll get you the form so that way that's all taken care of on that one Mhmm. anyway. Okay?","start_word":1393,"end_word":1412,"sentiment":"neutral","sentiment_score":0.2338977009057999},{"text":"Good. Perfect.","start_word":1413,"end_word":1414,"sentiment":"positive","sentiment_score":0.6046205759048462},{"text":"Now moving forward, we don't just drop off. There'll be a few steps and stages that we have to go through over the next few months, and Yep. then a few more when we go through your birthday and stuff. But, realistically, what, what we'll do from now is my team will call you and Yes. and implement everything. They'll get all the documents posted out to you from, like, the beneficiary side, contribution forms, stuff like that. So that way your new contributions can go into your new 24 fund. And then set up a time I mean, I can do that now. Set up a time that's best for you to be able to go through that ClearView application with my team. Mhmm. Is that, like, after my birthday, that time? Is that for that appointment? The ClearView application, so the insurance application, we can do basically I mean, today, tomorrow would be Oh, fine yeah, brother. if you had time. Yeah. It can be the the insurance application is pretty immediate. Okay. I've got a sale on tomorrow and the next day, so I'm madly preparing for that. I can do it next week. Absolutely. Yes. Okay. Good. Would Thursday or Friday next week work for you? Thursday be good. Thursday?","start_word":1415,"end_word":1628,"sentiment":"neutral","sentiment_score":0.1521078497171402},{"text":"Fantastic.","start_word":1629,"end_word":1629,"sentiment":"positive","sentiment_score":0.46473151445388794},{"text":"Let me just have a quick look at times. Do you wanna go, like, 09:30, 10AM in the morning?","start_word":1630,"end_word":1648,"sentiment":"neutral","sentiment_score":0.1218087524175644},{"text":"Yeah. The same time is good.","start_word":1649,"end_word":1654,"sentiment":"positive","sentiment_score":0.49423500895500183},{"text":"Yep. Yeah. Yeah. Yep.","start_word":1655,"end_word":1658,"sentiment":"neutral","sentiment_score":0.2854813039302826},{"text":"Perfect. Alright. Amazing. I will book you in for that one next Thank you.","start_word":1659,"end_word":1672,"sentiment":"positive","sentiment_score":0.5482981204986572},{"text":"next Thursday Yep. at 10AM. And, yeah, I'll get Jack to give you a call Thursday Okay. to go through and and do that personal statement with you. Okay?","start_word":1673,"end_word":1701,"sentiment":"neutral","sentiment_score":0.10979249328374864},{"text":"Cool.","start_word":1702,"end_word":1702,"sentiment":"positive","sentiment_score":0.33677956461906433},{"text":"Alright. Is that will that Amazing. come through on a landline or a mobile? Or It'll be the exact same line I'm calling from oh, yeah. right now. Cool. So all Okay. of our phone lines are connected on the same Yep. call out. Alright. Yeah.","start_word":1703,"end_word":1748,"sentiment":"neutral","sentiment_score":0.17779777944087982},{"text":"Thank you.","start_word":1749,"end_word":1750,"sentiment":"positive","sentiment_score":0.33778318762779236},{"text":"No. That's okay. Did you have any questions at all with regards to the advice where we're heading, I guess, our relationship moving forward? No. I don't think so. Now will you contact via will people check-in via emails or check-in via phone calls? We do check your emails, but we do call as well. I guess it's a a Okay. bit of a preferred message just because sometimes it's Yeah. easier to answer the couple of questions over the phone. But Yep. at at the same time, if you don't answer the phone because you are held up busy, whatever the case may be, we follow-up with a text and an email that you're able Okay. to respond to. And that's still this phone number you'd ring on? Yeah. Yeah. Still bring on this Yes. this same number. Okay. Yeah. Alright. I'll just list you. I'll put you in my contacts. That's all. No. Absolutely. And then, yeah, you can always go call into this number, or we have our 1300 Okay. number as well either Okay. either way. Cool. Alright. Thank you. No. That's okay, Donna. Thanks for taking a couple minutes to have a chat with That's me alright. this morning, but Okay. I'll get Jack to give you a call next week. Cool.","start_word":1751,"end_word":1967,"sentiment":"neutral","sentiment_score":0.03187791630625725},{"text":"Alright. Thanks so much. That's okay. Thanks, Jeff. Bye. See you.","start_word":1968,"end_word":1978,"sentiment":"positive","sentiment_score":0.683552622795105},{"text":"Bye.","start_word":1979,"end_word":1979,"sentiment":"neutral","sentiment_score":0.29426029324531555}],"average":{"sentiment":"neutral","sentiment_score":0.14564549570848168}}}}