{"metadata":{"transaction_key":"deprecated","request_id":"20eaf376-1eab-498a-a832-820d875d029b","sha256":"0c936dae0231a9ad779eef2198d57401d390d9b352fdbc25ada9f4cc92c3fa20","created":"2026-03-19T05:44:22.966Z","duration":1470.6,"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":5931,"output_tokens":149},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6611,"output_tokens":6624},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":6611,"output_tokens":448}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Stacy. It's Carl calling from Oakview Financial. How are you? Yeah. Not too bad at all. Thanks for asking. I had you scheduled in to to go out for a bit of a catch up. Is now still a good time for you? Not a problem at all. If I could just pass you through security first, we can get stuck into that one today. The Stacy, is that name, date of birth? Brilliant. Just name, date of birth. Sorry. I mean, you keep cutting off. Perfect. And then just your your current address there. Thanks for me. Perfect. Thank you for that one. Now as I said, I've got you scheduled in there just for the interview follow-up from when you spoke to my colleague, Samantha. So I'm one of the financial advisers here, and I believe it was just in regards to your retained fund with host plus potentially doing a rollover. Yeah. Yep. Yep. Yep. Yeah. So with that, one thing I do need to do there is get another third party authority. So the one we had previously, that way you were using to be able to view your account, they've changed the the requirement there. So we just need to do an updated form so that way we're able to call up and just maintain visibility on your host plus. Obviously, you're you're you're contributing to it, so that's fine. There's no real risk of it dropping below the amount required to sort of maintain those insurances, at least from what I'm aware. No. That's not us. I can actually see here from the research pre obviously, because we haven't spoken before, Stacy, so I do apologize. I can see here that you do have a payment that's come out previously for Clearview Life Solutions. Do you have another life insurance policy through Clearview that you're aware of or some interesting. Yeah. Because it seems that you do have some third party payment that is coming out of that, and it does state from what the previous retails I have, which is quite outdated, I must admit there. I believe it's the in the 2025 sort of thing. Yeah. Yeah. There's a ClearView Life Solutions payment amount that is coming out, which is curious to me because that would mean that you have some form of insurance with Clearview. Now that yeah. I can see you do have, like, obviously, the research is old there that you do have. The last research is around one seventy seven of life and total parent disability and income protection with home plus directly as a group cover there as well. Now with that third party authority, we might submit that to Clearview and have a little bit of a look and see without a policy number or anything. Do you receive correspondence from Clearview via email? Okay. Very interest. And when you're in host plus, when you see the withdrawal, does it say, like, a clear view vault? Yeah. Okay. Because once we get oh, sir. Yeah. I'm not too sure with that. Obviously, we need the third party. I can do a bit more digging there for you. And we can definitely follow that up and because I'm quite interested now as well. In terms of insurances there, you did sort of mention there that you weren't able to to get coverage. Is that correct from what you stated? Or Yep. Okay. Yeah. So you are correct. I did sort of see the the Crohn's there. I didn't sort of know about the the mental health previously. But like you said, yeah, it would end up being some form of, like, exclusion. But definitely for the mental health would be an exclusion. You sort of need to be ten years without symptoms, and sometimes they'll reevaluate. But the times depending on, like, the severity, things like that, like, people get it for just saying they're slightly stressed at work, you'll get a mental health exclusion. Following up, it is the most claimed on one. So that's kinda Yeah. And then with the Crohn's, it sort of depends on the severity. It can go anywhere from, like, a loading to an exclusion to a decline based on the severity of the condition. Now with that with group cover over time, though, as well, it does decrease in terms of, like, the amount you're covered for because group cover, it's sort of like a bell curve. As you get older, the less cover they actually cover you for in terms of, like, the units. So with that one there, obviously, with that decrease, I don't know the exact amount that you're currently covered for, obviously, because I can't see it in front of me here, but there's a good chance that it doesn't really cover your current debt and then sort of your income replacement if anything sorta happened from that. So you can look to do forms of, like, top up cover to have it in conjunction with the host plus. Now given that I can see that there was a payment based on the the research that was conducted sort of end or middle of last year that there was something to clear view, it implies me to believe that you do have some form of, like, other insurance that we sort of weren't too made aware of. But to be able to fully look into that there, I'd probably have to wait until the TPA is completed, and then we can give them a call, find out. And I can probably give you a callback and then have a bit more of a discussion because if we find out there's other insurances and things like that anyway, we do have to probably update your advice piece in addition to that rollover and then potentially, you know, looking if you do wanna look at, you know, top up cover and things like that based on what you're actually covered for, if that makes sense. Okay. Because just at the moment, like, I know you can access your host plus without us knowing what that payment for, what type of covers, and things like that. I can organize that form to go out for you, and I can even book in a time. Probably give us some time to be able to have that. Would, like, 2PM our time, so 3PM your time next week work in terms of, like, a a follow-up to try and get this TPA sorted and get the information just to be yeah. Okay. Yes, sir. So I can look for I'm just not too sure how long it'll take to get the TPA back in there for them to accept it is all. I can always do the week after on the the Wednesday. Yep. No. That's perfectly fine. And what time sort of works best for you there, Stacy? Yeah. Because mine that day is actually enough quite free, so it could be, like, towards the morning or afternoon, you know, depending on when you want me to bug you. Not a problem at all. I'll chuck that in there. Yeah. As I said, we'll send that TP off to to Clearview as well. And it just seems funny that it does say it on there, and you do see those payments coming out, those withdrawals. So I'll try and find that out for you and see where that's coming from and try and get ahold of Clearview in that time as well. And then we can go from there. And as I said, like, yeah, we can have a discussion around that. There in regards to your portfolio too, there was a performing asset in that Benelon, which I know wasn't performing too crash hot since you've sort of held it. But given the events of sort of last year, they did have an underlying asset which was done for not reporting correctly. So a part of that as well, the business is trying to move away from that investment. It's only about 10% of your portfolio, and your portfolio as a whole is still tracking quite well even considering the war that is occurring and everything like that. So over a twelve month period, you're still sitting over about 10% after fees return, which is still quite nice. Not to say, you know, with everything going on, it might continue to do a little bit of a skid downwards, but fingers crossed that, you know, it finishes quickly. But with that, we'll probably look to either update just that asset itself or look to maybe just do a quick refresh. But I know you haven't been on board for too long, and your portfolio actually is tracking quite nicely otherwise. So we could just look at replacing that one. But I can have a bit more of a conversation around that once we get all the the stuff together and put it all in a nice little advice piece for you. Yeah. Cool. Was there anything else that you want to have a chat about there, Stacy, while Yep. Yeah. There's no, like, definitive set amount that you need in super. In terms of, like, what sort of recommended, they say anything below sort of, like, what in the brackets of, like, that 3 to 500 sort of thousand mark in terms of, like, balances whether it's combined with a partner or not, the cost of, like, holding a self managed super, it can be quite taxing in terms of, like, you responsible for managing everything yourself as a trustee or having a corporate trustee. You have to do annualized tax returns, which do cost quite a bit. They can cost anywhere from, like, 3 to $7 to sort of set up. You yeah. Just depending on how you set up your loans, the account that sets it up, things like that as well. I don't know if you obviously, we do some, like, self managed super advice as well. Given your balance, even if you did pair it with your husband, if you pulled it all together and say you did have, you know, like, 400,000 ish in superannuation and then you just go buy one property with a little bit of cash on the side, if that property, you know, were to get damaged, something were to happen to that property, that's both your funds pulled into that one asset that that's all your retirement. And then you've got to start thinking as well about the serviceability of that and, like, a thirty year loan. And when you sort of wanna start to looking at retiring as well, which is something you gotta be mindful of, I doubt, you know, you wanna be working, you know, up until the age of, you know, late seventies just to be able to, you know, potentially pay off that, like, debt and then be able to start, you know, drawing an income from it, whether that's through yeah. Yep. Yep. Yeah. Those government defined benefit funds are quite nice. Yeah. That in the sense that, like, obviously, outside as well, you get the benefit of the tax deductions for the property as well. Also, if it's, like, negatively geared and things like that, there's something to be mindful with that. And then also interest on property purchase or investments in Australia is a 100% like a deduction at the moment until, like, obviously, they decide to change that. But that means that the interest payments that you are paying are a deduction in terms of, like, offsetting the the cost of having those as well versus, like, having it all in one super. You just you know, the cost of holding it for an SMSF can be quite expensive to run that each year, and then all the requirements are on you. And then all your superannuation's kinda tied up into that one asset, and you're responsible for for managing that as well to make sure that everything's running smoothly. It's not tax free. It's just concession. So the limit at the moment is 30,000. So you can do up to 30,000 concessionally with before you sort of get flat with additional taxes, and that's taxed at 15% as opposed to, like, your your instead of your marginal tax rate. And then you've gotta be mindful that your employer contributions count towards that concessional cap. So based on your income and the 12% comp contribution, you're probably looking at you're putting around the 12,600 ish in the superannuation currently just through your employer. And if you started salary sacrificing, that also adds to that concessional cap. And then you can also just do after tax contribution to super, and that's capped at 120,000, and that forms part of your nontaxable portion of your superannuation. Or you can claim the notice of intent to convert it to concessional. And at tax time, you get a bit of a, like, a rebate somewhat to be able to give you back the tax that you've already paid on that money that would otherwise been taxed at 15% for a concessional contribution. Yep. Yeah. No. No. You'd be well well under that. You'd probably have a couple grand still buffer. And then given that you probably haven't hit that 30,000 cap or the $27.05 of what it was previously for a number of years, you can actually go on my gov and check your carry forward contributions for that to see how much you've actually got from the five previous years that you can utilize as well. So if you did wanna put in more than that and not have to worry about it, if you do exceed it, it's using those carry forward concessional contributions that you haven't used in previous tax years, and it kinda works on the oldest to newest. So it would be like what year are we in now? 2026. So it'd be like from the 2021 to 2022 year you'd be utilizing. And and then that would be part of that if you were to exceed that. Obviously, if you started hitting your account each year for 30,000 for the next five years or your carry forwards would be gone. It only counts for years that, like, you don't use. And then as soon as you start hitting that cap, they start expiring from the oldest moving forward up into the point you've obviously, you know, don't have any more left. Yep. So all you need is your contribution details for hub twenty four, and you can just put it in nonconcessionally. It's a lump sum payment. And then from that there, you can claim a notice of intent. So you don't wanna leave it right up to the last minute because the funds have to be able to go into the fund first, and then you claim that notice of intent once those funds have cleared to make them a concessional contribution. And then from there, you just do it in your tax return to be able to get the benefit of that with your, I'm assuming, your accountant. You can also ask your accountant as well, given that it's your company, and if you can do it through SuperStream or if it's better off just doing those after tax contributions there as well just as a lump sum payment. And have to claim the notice of intent. Yeah. And given that he's the one that will probably be dealing with the notice of intent anyway, given that you're running your business through your account, whatever way probably works best for him is probably the way he'll he'll choose anyway. He's obviously working with the accounting side. If it goes in through SuperStream, it's automatically a concessional contribution. You don't have to worry about the notice intent and things like that as well. It just depends on the tax legislation for, you know, lump sums to to super through business employment. Yeah. Which a little bit out of my wheel, that one. Yep. Yep. Yeah. And given that, obviously, work it with your account to what's obviously within the tax legislation laws that isn't tax evasion, you do have those carry forward concessional amounts as well that you can utilize depending on how much you do wanna put in. Obviously, you know, we can put those sort of things into, advice and putting money into and utilizing those, but, obviously, you know, it is an accountant's wheelhouse as well and how to structure that, the best one. And it's probably a little bit more simpler than waiting a couple weeks for me to tell you just the amounts on your account. It's got your books right there and everything, and there's a better way to chuck it in. Okay. No problem. It will be per your original statement of advice. So I can't actually change any of your underlying investments unless we go to it advice, unless you're, like, in a separately managed account. So that's why I was talking in terms of those updates. I can't just go in and change that and be like, this is something we're moving away from. We're gonna just change it. I have to provide some form of record of advice or statement of advice to that change, and then everything that goes into that fund price or after that fact goes per the original SOA or any changes that have made through those advice documents and not just us going around and playing in the background. Not a problem at all there, Stacy. Well, I'll get that form sorted, and then hopefully, we get all the answers we need, and then we can have a bit more of an in-depth conversation around what you wanna do insurance wise there as well in the next sort of coming week. And, yeah, we can look at doing that that rollover and getting that sorted for you as well. No problem, sir. Sorry. I couldn't sort of help you much more today. I just gotta double check-in regards to that if the two funds that we're looking to accept electronic signatures for that. Otherwise, do you have access to a printer if we were to email it to you? Perfect. I'll I'll just throw it in the email. Otherwise, we'll get to my colleague too, and then we can just go from there. You can just sign that and send it back, and we'll send those off to the the funds there as well. Perfect. I'll get them to get on to that this afternoon so the quicker the the better so we have some time for the insurers fund and superannuation fund to get back to us because normally they're a bit slow as well. Not a problem at all, Stacy. Well, no problem. You enjoy the rest of your afternoon, and we'll speak shortly there. Perfect. Thanks. Bye 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afternoon, Stacy. It's Carl calling from Oakview Financial. How are you? Yeah. Not too bad at all.\n\nThanks for asking. I had you scheduled in to to go out for a bit of a catch up. Is now still a good time for you? Not a problem at all. If I could just pass you through security first, we can get stuck into that one today.\n\nThe Stacy, is that name, date of birth? Brilliant. Just name, date of birth. Sorry. I mean, you keep cutting off.\n\nPerfect. And then just your your current address there. Thanks for me. Perfect. Thank you for that one.\n\nNow as I said, I've got you scheduled in there just for the interview follow-up from when you spoke to my colleague, Samantha. So I'm one of the financial advisers here, and I believe it was just in regards to your retained fund with host plus potentially doing a rollover. Yeah. Yep. Yep.\n\nYep. Yeah. So with that, one thing I do need to do there is get another third party authority. So the one we had previously, that way you were using to be able to view your account, they've changed the the requirement there. So we just need to do an updated form so that way we're able to call up and just maintain visibility on your host plus.\n\nObviously, you're you're you're contributing to it, so that's fine. There's no real risk of it dropping below the amount required to sort of maintain those insurances, at least from what I'm aware. No. That's not us. I can actually see here from the research pre obviously, because we haven't spoken before, Stacy, so I do apologize.\n\nI can see here that you do have a payment that's come out previously for Clearview Life Solutions. Do you have another life insurance policy through Clearview that you're aware of or some interesting. Yeah. Because it seems that you do have some third party payment that is coming out of that, and it does state from what the previous retails I have, which is quite outdated, I must admit there. I believe it's the in the 2025 sort of thing.\n\nYeah. Yeah. There's a ClearView Life Solutions payment amount that is coming out, which is curious to me because that would mean that you have some form of insurance with Clearview. Now that yeah. I can see you do have, like, obviously, the research is old there that you do have.\n\nThe last research is around one seventy seven of life and total parent disability and income protection with home plus directly as a group cover there as well. Now with that third party authority, we might submit that to Clearview and have a little bit of a look and see without a policy number or anything. Do you receive correspondence from Clearview via email? Okay. Very interest.\n\nAnd when you're in host plus, when you see the withdrawal, does it say, like, a clear view vault? Yeah. Okay. Because once we get oh, sir. Yeah.\n\nI'm not too sure with that. Obviously, we need the third party. I can do a bit more digging there for you. And we can definitely follow that up and because I'm quite interested now as well. In terms of insurances there, you did sort of mention there that you weren't able to to get coverage.\n\nIs that correct from what you stated? Or Yep. Okay. Yeah. So you are correct.\n\nI did sort of see the the Crohn's there. I didn't sort of know about the the mental health previously. But like you said, yeah, it would end up being some form of, like, exclusion. But definitely for the mental health would be an exclusion. You sort of need to be ten years without symptoms, and sometimes they'll reevaluate.\n\nBut the times depending on, like, the severity, things like that, like, people get it for just saying they're slightly stressed at work, you'll get a mental health exclusion. Following up, it is the most claimed on one. So that's kinda Yeah. And then with the Crohn's, it sort of depends on the severity. It can go anywhere from, like, a loading to an exclusion to a decline based on the severity of the condition.\n\nNow with that with group cover over time, though, as well, it does decrease in terms of, like, the amount you're covered for because group cover, it's sort of like a bell curve. As you get older, the less cover they actually cover you for in terms of, like, the units. So with that one there, obviously, with that decrease, I don't know the exact amount that you're currently covered for, obviously, because I can't see it in front of me here, but there's a good chance that it doesn't really cover your current debt and then sort of your income replacement if anything sorta happened from that. So you can look to do forms of, like, top up cover to have it in conjunction with the host plus. Now given that I can see that there was a payment based on the the research that was conducted sort of end or middle of last year that there was something to clear view, it implies me to believe that you do have some form of, like, other insurance that we sort of weren't too made aware of.\n\nBut to be able to fully look into that there, I'd probably have to wait until the TPA is completed, and then we can give them a call, find out. And I can probably give you a callback and then have a bit more of a discussion because if we find out there's other insurances and things like that anyway, we do have to probably update your advice piece in addition to that rollover and then potentially, you know, looking if you do wanna look at, you know, top up cover and things like that based on what you're actually covered for, if that makes sense. Okay. Because just at the moment, like, I know you can access your host plus without us knowing what that payment for, what type of covers, and things like that. I can organize that form to go out for you, and I can even book in a time.\n\nProbably give us some time to be able to have that. Would, like, 2PM our time, so 3PM your time next week work in terms of, like, a a follow-up to try and get this TPA sorted and get the information just to be yeah. Okay. Yes, sir. So I can look for I'm just not too sure how long it'll take to get the TPA back in there for them to accept it is all.\n\nI can always do the week after on the the Wednesday. Yep. No. That's perfectly fine. And what time sort of works best for you there, Stacy?\n\nYeah. Because mine that day is actually enough quite free, so it could be, like, towards the morning or afternoon, you know, depending on when you want me to bug you. Not a problem at all. I'll chuck that in there. Yeah.\n\nAs I said, we'll send that TP off to to Clearview as well. And it just seems funny that it does say it on there, and you do see those payments coming out, those withdrawals. So I'll try and find that out for you and see where that's coming from and try and get ahold of Clearview in that time as well. And then we can go from there. And as I said, like, yeah, we can have a discussion around that.\n\nThere in regards to your portfolio too, there was a performing asset in that Benelon, which I know wasn't performing too crash hot since you've sort of held it. But given the events of sort of last year, they did have an underlying asset which was done for not reporting correctly. So a part of that as well, the business is trying to move away from that investment. It's only about 10% of your portfolio, and your portfolio as a whole is still tracking quite well even considering the war that is occurring and everything like that. So over a twelve month period, you're still sitting over about 10% after fees return, which is still quite nice.\n\nNot to say, you know, with everything going on, it might continue to do a little bit of a skid downwards, but fingers crossed that, you know, it finishes quickly. But with that, we'll probably look to either update just that asset itself or look to maybe just do a quick refresh. But I know you haven't been on board for too long, and your portfolio actually is tracking quite nicely otherwise. So we could just look at replacing that one. But I can have a bit more of a conversation around that once we get all the the stuff together and put it all in a nice little advice piece for you.\n\nYeah. Cool. Was there anything else that you want to have a chat about there, Stacy, while Yep. Yeah. There's no, like, definitive set amount that you need in super.\n\nIn terms of, like, what sort of recommended, they say anything below sort of, like, what in the brackets of, like, that 3 to 500 sort of thousand mark in terms of, like, balances whether it's combined with a partner or not, the cost of, like, holding a self managed super, it can be quite taxing in terms of, like, you responsible for managing everything yourself as a trustee or having a corporate trustee. You have to do annualized tax returns, which do cost quite a bit. They can cost anywhere from, like, 3 to $7 to sort of set up. You yeah. Just depending on how you set up your loans, the account that sets it up, things like that as well.\n\nI don't know if you obviously, we do some, like, self managed super advice as well. Given your balance, even if you did pair it with your husband, if you pulled it all together and say you did have, you know, like, 400,000 ish in superannuation and then you just go buy one property with a little bit of cash on the side, if that property, you know, were to get damaged, something were to happen to that property, that's both your funds pulled into that one asset that that's all your retirement. And then you've got to start thinking as well about the serviceability of that and, like, a thirty year loan. And when you sort of wanna start to looking at retiring as well, which is something you gotta be mindful of, I doubt, you know, you wanna be working, you know, up until the age of, you know, late seventies just to be able to, you know, potentially pay off that, like, debt and then be able to start, you know, drawing an income from it, whether that's through yeah. Yep.\n\nYep. Yeah. Those government defined benefit funds are quite nice. Yeah. That in the sense that, like, obviously, outside as well, you get the benefit of the tax deductions for the property as well.\n\nAlso, if it's, like, negatively geared and things like that, there's something to be mindful with that. And then also interest on property purchase or investments in Australia is a 100% like a deduction at the moment until, like, obviously, they decide to change that. But that means that the interest payments that you are paying are a deduction in terms of, like, offsetting the the cost of having those as well versus, like, having it all in one super. You just you know, the cost of holding it for an SMSF can be quite expensive to run that each year, and then all the requirements are on you. And then all your superannuation's kinda tied up into that one asset, and you're responsible for for managing that as well to make sure that everything's running smoothly.\n\nIt's not tax free. It's just concession. So the limit at the moment is 30,000. So you can do up to 30,000 concessionally with before you sort of get flat with additional taxes, and that's taxed at 15% as opposed to, like, your your instead of your marginal tax rate. And then you've gotta be mindful that your employer contributions count towards that concessional cap.\n\nSo based on your income and the 12% comp contribution, you're probably looking at you're putting around the 12,600 ish in the superannuation currently just through your employer. And if you started salary sacrificing, that also adds to that concessional cap. And then you can also just do after tax contribution to super, and that's capped at 120,000, and that forms part of your nontaxable portion of your superannuation. Or you can claim the notice of intent to convert it to concessional. And at tax time, you get a bit of a, like, a rebate somewhat to be able to give you back the tax that you've already paid on that money that would otherwise been taxed at 15% for a concessional contribution.\n\nYep. Yeah. No. No. You'd be well well under that.\n\nYou'd probably have a couple grand still buffer. And then given that you probably haven't hit that 30,000 cap or the $27.05 of what it was previously for a number of years, you can actually go on my gov and check your carry forward contributions for that to see how much you've actually got from the five previous years that you can utilize as well. So if you did wanna put in more than that and not have to worry about it, if you do exceed it, it's using those carry forward concessional contributions that you haven't used in previous tax years, and it kinda works on the oldest to newest. So it would be like what year are we in now? 2026.\n\nSo it'd be like from the 2021 to 2022 year you'd be utilizing. And and then that would be part of that if you were to exceed that. Obviously, if you started hitting your account each year for 30,000 for the next five years or your carry forwards would be gone. It only counts for years that, like, you don't use. And then as soon as you start hitting that cap, they start expiring from the oldest moving forward up into the point you've obviously, you know, don't have any more left.\n\nYep. So all you need is your contribution details for hub twenty four, and you can just put it in nonconcessionally. It's a lump sum payment. And then from that there, you can claim a notice of intent. So you don't wanna leave it right up to the last minute because the funds have to be able to go into the fund first, and then you claim that notice of intent once those funds have cleared to make them a concessional contribution.\n\nAnd then from there, you just do it in your tax return to be able to get the benefit of that with your, I'm assuming, your accountant. You can also ask your accountant as well, given that it's your company, and if you can do it through SuperStream or if it's better off just doing those after tax contributions there as well just as a lump sum payment. And have to claim the notice of intent. Yeah. And given that he's the one that will probably be dealing with the notice of intent anyway, given that you're running your business through your account, whatever way probably works best for him is probably the way he'll he'll choose anyway.\n\nHe's obviously working with the accounting side. If it goes in through SuperStream, it's automatically a concessional contribution. You don't have to worry about the notice intent and things like that as well. It just depends on the tax legislation for, you know, lump sums to to super through business employment. Yeah.\n\nWhich a little bit out of my wheel, that one. Yep. Yep. Yeah. And given that, obviously, work it with your account to what's obviously within the tax legislation laws that isn't tax evasion, you do have those carry forward concessional amounts as well that you can utilize depending on how much you do wanna put in.\n\nObviously, you know, we can put those sort of things into, advice and putting money into and utilizing those, but, obviously, you know, it is an accountant's wheelhouse as well and how to structure that, the best one. And it's probably a little bit more simpler than waiting a couple weeks for me to tell you just the amounts on your account. It's got your books right there and everything, and there's a better way to chuck it in. Okay. No problem.\n\nIt will be per your original statement of advice. So I can't actually change any of your underlying investments unless we go to it advice, unless you're, like, in a separately managed account. So that's why I was talking in terms of those updates. I can't just go in and change that and be like, this is something we're moving away from. We're gonna just change it.\n\nI have to provide some form of record of advice or statement of advice to that change, and then everything that goes into that fund price or after that fact goes per the original SOA or any changes that have made through those advice documents and not just us going around and playing in the background. Not a problem at all there, Stacy. Well, I'll get that form sorted, and then hopefully, we get all the answers we need, and then we can have a bit more of an in-depth conversation around what you wanna do insurance wise there as well in the next sort of coming week. And, yeah, we can look at doing that that rollover and getting that sorted for you as well. No problem, sir.\n\nSorry. I couldn't sort of help you much more today. I just gotta double check-in regards to that if the two funds that we're looking to accept electronic signatures for that. Otherwise, do you have access to a printer if we were to email it to you? Perfect.\n\nI'll I'll just throw it in the email. Otherwise, we'll get to my colleague too, and then we can just go from there. You can just sign that and send it back, and we'll send those off to the the funds there as well. Perfect. I'll get them to get on to that this afternoon so the quicker the the better so we have some time for the insurers fund and superannuation fund to get back to us because normally they're a bit slow as well.\n\nNot a problem at all, Stacy. Well, no problem. You enjoy the rest of your afternoon, and we'll speak shortly there. Perfect. Thanks.\n\nBye now.","paragraphs":[{"sentences":[{"text":"Good afternoon, Stacy.","start":2.6399999,"end":3.6,"sentiment":"positive","sentiment_score":0.3785983423391978},{"text":"It's Carl calling from Oakview Financial.","start":3.6,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.2199631854891777},{"text":"How are you?","start":5.2799997,"end":6.02,"sentiment":"neutral","sentiment_score":0.20101899902025858},{"text":"Yeah.","start":7.6,"end":7.9199996,"sentiment":"neutral","sentiment_score":0.17921066284179688},{"text":"Not too bad at all.","start":7.9199996,"end":8.639999,"sentiment":"neutral","sentiment_score":0.20708819925785066}],"sentiment":"neutral","sentiment_score":0.23740459978580475,"num_words":18,"start":2.6399999,"end":8.639999},{"sentences":[{"text":"Thanks for asking.","start":8.639999,"end":9.5199995,"sentiment":"positive","sentiment_score":0.5314411918322245},{"text":"I had you scheduled in to to go out for a bit of a catch up.","start":9.5199995,"end":12.48,"sentiment":"neutral","sentiment_score":0.1721217017620802},{"text":"Is now still a good time for you?","start":12.48,"end":13.875,"sentiment":"neutral","sentiment_score":0.15068885125219822},{"text":"Not a problem at all.","start":17.555,"end":18.515,"sentiment":"neutral","sentiment_score":0.16764671802520753},{"text":"If I could just pass you through security first, we can get stuck into that one today.","start":18.515,"end":22.195,"sentiment":"neutral","sentiment_score":0.07579589525566381}],"sentiment":"neutral","sentiment_score":0.15674582496285439,"num_words":49,"start":8.639999,"end":22.195},{"sentences":[{"text":"The Stacy, is that name, date of birth?","start":22.195,"end":24.115,"sentiment":"neutral","sentiment_score":0.030014736694283783},{"text":"Brilliant.","start":24.115,"end":24.615,"sentiment":"neutral","sentiment_score":0.21940243244171145},{"text":"Just name, date of birth.","start":25.235,"end":26.535,"sentiment":"neutral","sentiment_score":0.044818255305290225},{"text":"Sorry.","start":26.755001,"end":27.154999,"sentiment":"neutral","sentiment_score":-0.04680754616856575},{"text":"I mean, you keep cutting off.","start":27.154999,"end":28.47,"sentiment":"neutral","sentiment_score":-0.11255310475826263}],"sentiment":"neutral","sentiment_score":-0.0018340272474147025,"num_words":21,"start":22.195,"end":28.47},{"sentences":[{"text":"Perfect.","start":33.829998,"end":34.23,"sentiment":"neutral","sentiment_score":0.22039687633514404},{"text":"And then just your your current address there.","start":34.23,"end":35.989998,"sentiment":"neutral","sentiment_score":0.06514099007472396},{"text":"Thanks for me.","start":35.989998,"end":36.809998,"sentiment":"neutral","sentiment_score":0.1925598680973053},{"text":"Perfect.","start":41.525,"end":41.925,"sentiment":"positive","sentiment_score":0.4139677882194519},{"text":"Thank you for that one.","start":41.925,"end":43.145,"sentiment":"positive","sentiment_score":0.4913782477378845}],"sentiment":"neutral","sentiment_score":0.2327813015629848,"num_words":18,"start":33.829998,"end":43.145},{"sentences":[{"text":"Now as I said, I've got you scheduled in there just for the interview follow-up from when you spoke to my colleague, Samantha.","start":43.925,"end":51.765,"sentiment":"neutral","sentiment_score":0.021014669181212135},{"text":"So I'm one of the financial advisers here, and I believe it was just in regards to your retained fund with host plus potentially doing a rollover.","start":51.765,"end":58.84,"sentiment":"neutral","sentiment_score":0.007309563893445388},{"text":"Yeah.","start":79.475,"end":79.975,"sentiment":"neutral","sentiment_score":-0.033880576491355896},{"text":"Yep.","start":100.625,"end":101.125,"sentiment":"neutral","sentiment_score":-0.05028706043958664},{"text":"Yep.","start":116.16,"end":116.66,"sentiment":"neutral","sentiment_score":0.004737740382552147}],"sentiment":"neutral","sentiment_score":0.011344636221556872,"num_words":53,"start":43.925,"end":116.66},{"sentences":[{"text":"Yep.","start":127.805,"end":128.305,"sentiment":"neutral","sentiment_score":0.1310652196407318},{"text":"Yeah.","start":132.54,"end":132.86,"sentiment":"neutral","sentiment_score":0.06433945894241333},{"text":"So with that, one thing I do need to do there is get another third party authority.","start":132.86,"end":138.14,"sentiment":"neutral","sentiment_score":0.03258103789652095},{"text":"So the one we had previously, that way you were using to be able to view your account, they've changed the the requirement there.","start":138.14,"end":144.795,"sentiment":"neutral","sentiment_score":0.031776071758940816},{"text":"So we just need to do an updated form so that way we're able to call up and just maintain visibility on your host plus.","start":144.795,"end":149.85501,"sentiment":"neutral","sentiment_score":0.1071810831129551}],"sentiment":"neutral","sentiment_score":0.061638751806800854,"num_words":68,"start":127.805,"end":149.85501},{"sentences":[{"text":"Obviously, you're you're you're contributing to it, so that's fine.","start":150.315,"end":153.27501,"sentiment":"neutral","sentiment_score":0.2608394593000412},{"text":"There's no real risk of it dropping below the amount required to sort of maintain those insurances, at least from what I'm aware.","start":153.27501,"end":160.34999,"sentiment":"neutral","sentiment_score":0.04953400110420973},{"text":"No.","start":191.56,"end":191.79999,"sentiment":"neutral","sentiment_score":-0.2056954950094223},{"text":"That's not us.","start":191.79999,"end":192.84,"sentiment":"neutral","sentiment_score":-0.2636087288459142},{"text":"I can actually see here from the research pre obviously, because we haven't spoken before, Stacy, so I do apologize.","start":192.84,"end":198.575,"sentiment":"neutral","sentiment_score":-0.10944765824824572}],"sentiment":"neutral","sentiment_score":0.009863188980441345,"num_words":57,"start":150.315,"end":198.575},{"sentences":[{"text":"I can see here that you do have a payment that's come out previously for Clearview Life Solutions.","start":199.115,"end":204.735,"sentiment":"neutral","sentiment_score":-0.003419482873545753},{"text":"Do you have another life insurance policy through Clearview that you're aware of or some interesting.","start":204.795,"end":215.85,"sentiment":"neutral","sentiment_score":-0.05429245834238827},{"text":"Yeah.","start":219.19,"end":219.43001,"sentiment":"neutral","sentiment_score":-0.09316573292016984},{"text":"Because it seems that you do have some third party payment that is coming out of that, and it does state from what the previous retails I have, which is quite outdated, I must admit there.","start":219.43001,"end":228.54501,"sentiment":"neutral","sentiment_score":-0.23823540533582369},{"text":"I believe it's the in the 2025 sort of thing.","start":230.04501,"end":235.02501,"sentiment":"neutral","sentiment_score":-0.22106643468141557}],"sentiment":"neutral","sentiment_score":-0.1458090703336545,"num_words":81,"start":199.115,"end":235.02501},{"sentences":[{"text":"Yeah.","start":235.085,"end":235.24501,"sentiment":"neutral","sentiment_score":-0.04004453495144844},{"text":"Yeah.","start":235.24501,"end":235.40501,"sentiment":"neutral","sentiment_score":-0.026154760271310806},{"text":"There's a ClearView Life Solutions payment amount that is coming out, which is curious to me because that would mean that you have some form of insurance with Clearview.","start":235.40501,"end":245.91,"sentiment":"neutral","sentiment_score":-0.05827382245454295},{"text":"Now that yeah.","start":248.45,"end":254.625,"sentiment":"neutral","sentiment_score":-0.0006232348581155187},{"text":"I can see you do have, like, obviously, the research is old there that you do have.","start":254.625,"end":258.725,"sentiment":"neutral","sentiment_score":0.07348245196044445}],"sentiment":"neutral","sentiment_score":-0.0099766307382607,"num_words":51,"start":235.085,"end":258.725},{"sentences":[{"text":"The last research is around one seventy seven of life and total parent disability and income protection with home plus directly as a group cover there as well.","start":259.505,"end":268.59,"sentiment":"neutral","sentiment_score":0.053065343227769644},{"text":"Now with that third party authority, we might submit that to Clearview and have a little bit of a look and see without a policy number or anything.","start":268.97,"end":279.055,"sentiment":"neutral","sentiment_score":0.03278168270896588},{"text":"Do you receive correspondence from Clearview via email?","start":279.055,"end":281.715,"sentiment":"neutral","sentiment_score":0.00654051243327558},{"text":"Okay.","start":285.53497,"end":285.935,"sentiment":"neutral","sentiment_score":-0.049952369183301926},{"text":"Very interest.","start":285.935,"end":286.675,"sentiment":"neutral","sentiment_score":0.07114748656749725}],"sentiment":"neutral","sentiment_score":0.038035573576813315,"num_words":67,"start":259.505,"end":286.675},{"sentences":[{"text":"And when you're in host plus, when you see the withdrawal, does it say, like, a clear view vault?","start":299.63,"end":313.80502,"sentiment":"neutral","sentiment_score":-0.0625931275518317},{"text":"Yeah.","start":313.80502,"end":314.30502,"sentiment":"neutral","sentiment_score":-0.09801773726940156},{"text":"Okay.","start":321.34,"end":321.66,"sentiment":"neutral","sentiment_score":-0.04176808521151543},{"text":"Because once we get oh, sir.","start":321.66,"end":323.91998,"sentiment":"neutral","sentiment_score":-0.03853622482468685},{"text":"Yeah.","start":341.77,"end":342.09,"sentiment":"neutral","sentiment_score":-0.04457636922597885}],"sentiment":"neutral","sentiment_score":-0.05731603443356497,"num_words":28,"start":299.63,"end":342.09},{"sentences":[{"text":"I'm not too sure with that.","start":342.09,"end":344.00998,"sentiment":"neutral","sentiment_score":-0.13820205753048262},{"text":"Obviously, we need the third party.","start":344.00998,"end":345.44998,"sentiment":"neutral","sentiment_score":-0.09169526646534602},{"text":"I can do a bit more digging there for you.","start":345.44998,"end":347.55,"sentiment":"neutral","sentiment_score":0.07263965755701066},{"text":"And we can definitely follow that up and because I'm quite interested now as well.","start":348.65,"end":353.15,"sentiment":"neutral","sentiment_score":0.2977772682905197},{"text":"In terms of insurances there, you did sort of mention there that you weren't able to to get coverage.","start":353.435,"end":359.515,"sentiment":"neutral","sentiment_score":-0.10266368071499624}],"sentiment":"neutral","sentiment_score":0.03326895932800004,"num_words":56,"start":342.09,"end":359.515},{"sentences":[{"text":"Is that correct from what you stated?","start":359.515,"end":361.755,"sentiment":"neutral","sentiment_score":-0.08992382298622813},{"text":"Or Yep.","start":361.755,"end":366.51,"sentiment":"neutral","sentiment_score":-0.19600104913115501},{"text":"Okay.","start":372.16998,"end":372.66998,"sentiment":"neutral","sentiment_score":-0.1474403291940689},{"text":"Yeah.","start":389.56,"end":389.8,"sentiment":"neutral","sentiment_score":0.17128118872642517},{"text":"So you are correct.","start":389.8,"end":390.84,"sentiment":"neutral","sentiment_score":0.23818357288837433}],"sentiment":"neutral","sentiment_score":-0.002992913872003555,"num_words":15,"start":359.515,"end":390.84},{"sentences":[{"text":"I did sort of see the the Crohn's there.","start":390.84,"end":392.91998,"sentiment":"neutral","sentiment_score":-0.030549921923213534},{"text":"I didn't sort of know about the the mental health previously.","start":392.91998,"end":395.24,"sentiment":"neutral","sentiment_score":-0.2224385833198374},{"text":"But like you said, yeah, it would end up being some form of, like, exclusion.","start":395.24,"end":398.13998,"sentiment":"neutral","sentiment_score":-0.3111561248699824},{"text":"But definitely for the mental health would be an exclusion.","start":399.47998,"end":401.63998,"sentiment":"neutral","sentiment_score":-0.2165266066789627},{"text":"You sort of need to be ten years without symptoms, and sometimes they'll reevaluate.","start":401.63998,"end":405.645,"sentiment":"neutral","sentiment_score":-0.25714386786733356}],"sentiment":"neutral","sentiment_score":-0.22295586108151128,"num_words":59,"start":390.84,"end":405.645},{"sentences":[{"text":"But the times depending on, like, the severity, things like that, like, people get it for just saying they're slightly stressed at work, you'll get a mental health exclusion.","start":406.905,"end":413.965,"sentiment":"negative","sentiment_score":-0.36198296166699506},{"text":"Following up, it is the most claimed on one.","start":414.425,"end":416.26498,"sentiment":"neutral","sentiment_score":0.011885405828555427},{"text":"So that's kinda Yeah.","start":416.26498,"end":418.71,"sentiment":"neutral","sentiment_score":0.036982741206884384},{"text":"And then with the Crohn's, it sort of depends on the severity.","start":418.71,"end":421.59,"sentiment":"neutral","sentiment_score":-0.07176817239572604},{"text":"It can go anywhere from, like, a loading to an exclusion to a decline based on the severity of the condition.","start":421.59,"end":426.97,"sentiment":"neutral","sentiment_score":-0.11741923824662254}],"sentiment":"neutral","sentiment_score":-0.18092837790648142,"num_words":75,"start":406.905,"end":426.97},{"sentences":[{"text":"Now with that with group cover over time, though, as well, it does decrease in terms of, like, the amount you're covered for because group cover, it's sort of like a bell curve.","start":427.83,"end":436.76498,"sentiment":"neutral","sentiment_score":-0.12046857324965073},{"text":"As you get older, the less cover they actually cover you for in terms of, like, the units.","start":436.76498,"end":440.945,"sentiment":"neutral","sentiment_score":-0.19238777251707184},{"text":"So with that one there, obviously, with that decrease, I don't know the exact amount that you're currently covered for, obviously, because I can't see it in front of me here, but there's a good chance that it doesn't really cover your current debt and then sort of your income replacement if anything sorta happened from that.","start":443.405,"end":456.88,"sentiment":"neutral","sentiment_score":-0.1815932180013573},{"text":"So you can look to do forms of, like, top up cover to have it in conjunction with the host plus.","start":456.88,"end":462.08,"sentiment":"neutral","sentiment_score":-0.011261985238109316},{"text":"Now given that I can see that there was a payment based on the the research that was conducted sort of end or middle of last year that there was something to clear view, it implies me to believe that you do have some form of, like, other insurance that we sort of weren't too made aware of.","start":462.08,"end":476.66498,"sentiment":"neutral","sentiment_score":-0.10899052473491636}],"sentiment":"neutral","sentiment_score":-0.13019897525801377,"num_words":187,"start":427.83,"end":476.66498},{"sentences":[{"text":"But to be able to fully look into that there, I'd probably have to wait until the TPA is completed, and then we can give them a call, find out.","start":476.66498,"end":485.56998,"sentiment":"neutral","sentiment_score":-0.011728417314589023},{"text":"And I can probably give you a callback and then have a bit more of a discussion because if we find out there's other insurances and things like that anyway, we do have to probably update your advice piece in addition to that rollover and then potentially, you know, looking if you do wanna look at, you know, top up cover and things like that based on what you're actually covered for, if that makes sense.","start":485.56998,"end":504.525,"sentiment":"neutral","sentiment_score":0.0544202615703015},{"text":"Okay.","start":508.28,"end":508.78,"sentiment":"neutral","sentiment_score":0.2811875343322754},{"text":"Because just at the moment, like, I know you can access your host plus without us knowing what that payment for, what type of covers, and things like that.","start":508.84,"end":515.0,"sentiment":"neutral","sentiment_score":0.12397089973092079},{"text":"I can organize that form to go out for you, and I can even book in a time.","start":515.0,"end":518.38,"sentiment":"neutral","sentiment_score":0.31618090884553063}],"sentiment":"neutral","sentiment_score":0.08669926847827125,"num_words":154,"start":476.66498,"end":518.38},{"sentences":[{"text":"Probably give us some time to be able to have that.","start":520.14496,"end":523.76495,"sentiment":"neutral","sentiment_score":0.19579126753590323},{"text":"Would, like, 2PM our time, so 3PM your time next week work in terms of, like, a a follow-up to try and get this TPA sorted and get the information just to be yeah.","start":527.26495,"end":538.59,"sentiment":"neutral","sentiment_score":0.0932015539968715},{"text":"Okay.","start":538.59,"end":539.09,"sentiment":"neutral","sentiment_score":0.10043488442897797},{"text":"Yes, sir.","start":544.36505,"end":545.005,"sentiment":"neutral","sentiment_score":0.04896978847682476},{"text":"So I can look for I'm just not too sure how long it'll take to get the TPA back in there for them to accept it is all.","start":545.005,"end":550.78503,"sentiment":"neutral","sentiment_score":-0.031357335591954846}],"sentiment":"neutral","sentiment_score":0.06109112952100603,"num_words":76,"start":520.14496,"end":550.78503},{"sentences":[{"text":"I can always do the week after on the the Wednesday.","start":552.525,"end":555.265,"sentiment":"neutral","sentiment_score":0.04542913084680384},{"text":"Yep.","start":560.86,"end":561.36,"sentiment":"neutral","sentiment_score":0.06128057837486267},{"text":"No.","start":568.77997,"end":568.94,"sentiment":"neutral","sentiment_score":-0.0023478008806705475},{"text":"That's perfectly fine.","start":568.94,"end":569.82,"sentiment":"neutral","sentiment_score":0.06001228218277296},{"text":"And what time sort of works best for you there, Stacy?","start":569.82,"end":572.07996,"sentiment":"neutral","sentiment_score":0.0853621404279362}],"sentiment":"neutral","sentiment_score":0.062136059557950055,"num_words":27,"start":552.525,"end":572.07996},{"sentences":[{"text":"Yeah.","start":578.435,"end":578.755,"sentiment":"neutral","sentiment_score":0.12244842946529388},{"text":"Because mine that day is actually enough quite free, so it could be, like, towards the morning or afternoon, you know, depending on when you want me to bug you.","start":578.755,"end":585.415,"sentiment":"neutral","sentiment_score":0.10199480975667635},{"text":"Not a problem at all.","start":591.41,"end":592.29,"sentiment":"neutral","sentiment_score":0.17922897338867189},{"text":"I'll chuck that in there.","start":592.29,"end":593.59,"sentiment":"neutral","sentiment_score":0.11791590601205826},{"text":"Yeah.","start":595.09,"end":595.33,"sentiment":"neutral","sentiment_score":0.10380521416664124}],"sentiment":"neutral","sentiment_score":0.113614817460378,"num_words":42,"start":578.435,"end":595.33},{"sentences":[{"text":"As I said, we'll send that TP off to to Clearview as well.","start":595.33,"end":599.89,"sentiment":"neutral","sentiment_score":0.09719891330370536},{"text":"And it just seems funny that it does say it on there, and you do see those payments coming out, those withdrawals.","start":599.89,"end":605.40497,"sentiment":"neutral","sentiment_score":0.07307103597982363},{"text":"So I'll try and find that out for you and see where that's coming from and try and get ahold of Clearview in that time as well.","start":606.02496,"end":611.805,"sentiment":"neutral","sentiment_score":0.10888596665528086},{"text":"And then we can go from there.","start":615.48,"end":616.92,"sentiment":"neutral","sentiment_score":0.3296047406537192},{"text":"And as I said, like, yeah, we can have a discussion around that.","start":616.92,"end":619.88,"sentiment":"neutral","sentiment_score":0.09390904181278668}],"sentiment":"neutral","sentiment_score":0.11389171332120895,"num_words":82,"start":595.33,"end":619.88},{"sentences":[{"text":"There in regards to your portfolio too, there was a performing asset in that Benelon, which I know wasn't performing too crash hot since you've sort of held it.","start":619.88,"end":629.16,"sentiment":"neutral","sentiment_score":-0.03975821768158469},{"text":"But given the events of sort of last year, they did have an underlying asset which was done for not reporting correctly.","start":629.16,"end":634.73505,"sentiment":"neutral","sentiment_score":-0.10940723730759187},{"text":"So a part of that as well, the business is trying to move away from that investment.","start":634.73505,"end":638.255,"sentiment":"neutral","sentiment_score":-0.177832449622014},{"text":"It's only about 10% of your portfolio, and your portfolio as a whole is still tracking quite well even considering the war that is occurring and everything like that.","start":638.255,"end":646.36005,"sentiment":"neutral","sentiment_score":-0.04980826056722937},{"text":"So over a twelve month period, you're still sitting over about 10% after fees return, which is still quite nice.","start":646.9,"end":651.78,"sentiment":"neutral","sentiment_score":0.16399940587580203}],"sentiment":"neutral","sentiment_score":-0.04057735569265663,"num_words":117,"start":619.88,"end":651.78},{"sentences":[{"text":"Not to say, you know, with everything going on, it might continue to do a little bit of a skid downwards, but fingers crossed that, you know, it finishes quickly.","start":651.78,"end":659.895,"sentiment":"neutral","sentiment_score":-0.027249202380577722},{"text":"But with that, we'll probably look to either update just that asset itself or look to maybe just do a quick refresh.","start":659.895,"end":666.635,"sentiment":"neutral","sentiment_score":0.0009186073968356305},{"text":"But I know you haven't been on board for too long, and your portfolio actually is tracking quite nicely otherwise.","start":667.09503,"end":671.995,"sentiment":"neutral","sentiment_score":-0.005934468749910592},{"text":"So we could just look at replacing that one.","start":672.215,"end":674.19,"sentiment":"neutral","sentiment_score":-0.02998672177394231},{"text":"But I can have a bit more of a conversation around that once we get all the the stuff together and put it all in a nice little advice piece for you.","start":674.19,"end":681.65,"sentiment":"neutral","sentiment_score":0.10805223666829988}],"sentiment":"neutral","sentiment_score":0.020104734457831466,"num_words":113,"start":651.78,"end":681.65},{"sentences":[{"text":"Yeah.","start":684.43,"end":684.93,"sentiment":"neutral","sentiment_score":0.2740769386291504},{"text":"Cool.","start":685.315,"end":685.47504,"sentiment":"positive","sentiment_score":0.5918642282485962},{"text":"Was there anything else that you want to have a chat about there, Stacy, while Yep.","start":685.47504,"end":697.17,"sentiment":"neutral","sentiment_score":0.16094384901225567},{"text":"Yeah.","start":702.61,"end":703.11,"sentiment":"neutral","sentiment_score":0.08742087334394455},{"text":"There's no, like, definitive set amount that you need in super.","start":712.945,"end":717.185,"sentiment":"neutral","sentiment_score":-0.21120879731395029}],"sentiment":"neutral","sentiment_score":0.040172228465477626,"num_words":30,"start":684.43,"end":717.185},{"sentences":[{"text":"In terms of, like, what sort of recommended, they say anything below sort of, like, what in the brackets of, like, that 3 to 500 sort of thousand mark in terms of, like, balances whether it's combined with a partner or not, the cost of, like, holding a self managed super, it can be quite taxing in terms of, like, you responsible for managing everything yourself as a trustee or having a corporate trustee.","start":717.185,"end":741.77496,"sentiment":"neutral","sentiment_score":-0.10058249598620711},{"text":"You have to do annualized tax returns, which do cost quite a bit.","start":742.15497,"end":745.435,"sentiment":"neutral","sentiment_score":-0.16200180007861212},{"text":"They can cost anywhere from, like, 3 to $7 to sort of set up.","start":745.435,"end":748.495,"sentiment":"neutral","sentiment_score":-0.1322688997856208},{"text":"You yeah.","start":749.82495,"end":751.13495,"sentiment":"neutral","sentiment_score":0.01620044931769371},{"text":"Just depending on how you set up your loans, the account that sets it up, things like that as well.","start":751.31,"end":754.91,"sentiment":"neutral","sentiment_score":0.0070022227242589}],"sentiment":"neutral","sentiment_score":-0.09128818982015781,"num_words":123,"start":717.185,"end":754.91},{"sentences":[{"text":"I don't know if you obviously, we do some, like, self managed super advice as well.","start":754.91,"end":759.38995,"sentiment":"neutral","sentiment_score":-0.003005804494023322},{"text":"Given your balance, even if you did pair it with your husband, if you pulled it all together and say you did have, you know, like, 400,000 ish in superannuation and then you just go buy one property with a little bit of cash on the side, if that property, you know, were to get damaged, something were to happen to that property, that's both your funds pulled into that one asset that that's all your retirement.","start":759.38995,"end":780.34503,"sentiment":"neutral","sentiment_score":-0.00835526008884628},{"text":"And then you've got to start thinking as well about the serviceability of that and, like, a thirty year loan.","start":780.405,"end":786.67,"sentiment":"neutral","sentiment_score":0.046211585961282255},{"text":"And when you sort of wanna start to looking at retiring as well, which is something you gotta be mindful of, I doubt, you know, you wanna be working, you know, up until the age of, you know, late seventies just to be able to, you know, potentially pay off that, like, debt and then be able to start, you know, drawing an income from it, whether that's through yeah.","start":787.05,"end":806.295,"sentiment":"neutral","sentiment_score":-0.023536766919174366},{"text":"Yep.","start":817.17004,"end":817.67004,"sentiment":"neutral","sentiment_score":0.2408345341682434}],"sentiment":"neutral","sentiment_score":-0.006380192009205727,"num_words":184,"start":754.91,"end":817.67004},{"sentences":[{"text":"Yep.","start":824.305,"end":824.805,"sentiment":"neutral","sentiment_score":0.19502249360084536},{"text":"Yeah.","start":837.92,"end":838.42,"sentiment":"neutral","sentiment_score":0.18956416845321655},{"text":"Those government defined benefit funds are quite nice.","start":838.48,"end":841.46,"sentiment":"neutral","sentiment_score":0.13303172821179032},{"text":"Yeah.","start":864.59,"end":865.09,"sentiment":"neutral","sentiment_score":-0.00768701359629631},{"text":"That in the sense that, like, obviously, outside as well, you get the benefit of the tax deductions for the property as well.","start":865.15,"end":873.325,"sentiment":"neutral","sentiment_score":0.08295136673942856}],"sentiment":"neutral","sentiment_score":0.09850102673996897,"num_words":34,"start":824.305,"end":873.325},{"sentences":[{"text":"Also, if it's, like, negatively geared and things like that, there's something to be mindful with that.","start":873.865,"end":877.885,"sentiment":"neutral","sentiment_score":-0.17805273348794265},{"text":"And then also interest on property purchase or investments in Australia is a 100% like a deduction at the moment until, like, obviously, they decide to change that.","start":878.185,"end":887.81,"sentiment":"neutral","sentiment_score":-0.006614661775529385},{"text":"But that means that the interest payments that you are paying are a deduction in terms of, like, offsetting the the cost of having those as well versus, like, having it all in one super.","start":888.02997,"end":898.79504,"sentiment":"neutral","sentiment_score":0.015031959010022028},{"text":"You just you know, the cost of holding it for an SMSF can be quite expensive to run that each year, and then all the requirements are on you.","start":898.79504,"end":906.655,"sentiment":"neutral","sentiment_score":-0.14601964644830803},{"text":"And then all your superannuation's kinda tied up into that one asset, and you're responsible for for managing that as well to make sure that everything's running smoothly.","start":906.66,"end":916.04,"sentiment":"positive","sentiment_score":0.35555460516895565}],"sentiment":"neutral","sentiment_score":0.022153071270589412,"num_words":137,"start":873.865,"end":916.04},{"sentences":[{"text":"It's not tax free.","start":932.85,"end":934.13,"sentiment":"neutral","sentiment_score":-0.2224297970533371},{"text":"It's just concession.","start":934.13,"end":935.11,"sentiment":"neutral","sentiment_score":-0.12136686593294144},{"text":"So the limit at the moment is 30,000.","start":935.33,"end":938.63,"sentiment":"neutral","sentiment_score":-0.022810795169789344},{"text":"So you can do up to 30,000 concessionally with before you sort of get flat with additional taxes, and that's taxed at 15% as opposed to, like, your your instead of your marginal tax rate.","start":938.93,"end":951.415,"sentiment":"neutral","sentiment_score":0.054239192445363314},{"text":"And then you've gotta be mindful that your employer contributions count towards that concessional cap.","start":951.415,"end":956.855,"sentiment":"neutral","sentiment_score":-0.04812446733315786}],"sentiment":"neutral","sentiment_score":-0.0039969449504636805,"num_words":65,"start":932.85,"end":956.855},{"sentences":[{"text":"So based on your income and the 12% comp contribution, you're probably looking at you're putting around the 12,600 ish in the superannuation currently just through your employer.","start":956.855,"end":966.99,"sentiment":"neutral","sentiment_score":0.06415411523942437},{"text":"And if you started salary sacrificing, that also adds to that concessional cap.","start":966.99,"end":972.015,"sentiment":"neutral","sentiment_score":0.008454457695524279},{"text":"And then you can also just do after tax contribution to super, and that's capped at 120,000, and that forms part of your nontaxable portion of your superannuation.","start":972.255,"end":982.195,"sentiment":"neutral","sentiment_score":0.14165529874818666},{"text":"Or you can claim the notice of intent to convert it to concessional.","start":982.815,"end":986.01996,"sentiment":"neutral","sentiment_score":0.14756807799522692},{"text":"And at tax time, you get a bit of a, like, a rebate somewhat to be able to give you back the tax that you've already paid on that money that would otherwise been taxed at 15% for a concessional contribution.","start":986.01996,"end":997.31995,"sentiment":"neutral","sentiment_score":0.16921119446434627}],"sentiment":"neutral","sentiment_score":0.11974484169651277,"num_words":123,"start":956.855,"end":997.31995},{"sentences":[{"text":"Yep.","start":1002.485,"end":1002.985,"sentiment":"neutral","sentiment_score":0.1000504419207573},{"text":"Yeah.","start":1028.595,"end":1029.095,"sentiment":"neutral","sentiment_score":-0.05761138349771499},{"text":"No.","start":1043.97,"end":1044.13,"sentiment":"neutral","sentiment_score":-0.31533950567245483},{"text":"No.","start":1044.13,"end":1044.37,"sentiment":"neutral","sentiment_score":-0.263419508934021},{"text":"You'd be well well under that.","start":1044.37,"end":1046.29,"sentiment":"neutral","sentiment_score":-0.06883599857489268}],"sentiment":"neutral","sentiment_score":-0.09493359476327896,"num_words":10,"start":1002.485,"end":1046.29},{"sentences":[{"text":"You'd probably have a couple grand still buffer.","start":1046.29,"end":1048.13,"sentiment":"neutral","sentiment_score":0.03321955865249038},{"text":"And then given that you probably haven't hit that 30,000 cap or the $27.05 of what it was previously for a number of years, you can actually go on my gov and check your carry forward contributions for that to see how much you've actually got from the five previous years that you can utilize as well.","start":1048.13,"end":1065.97,"sentiment":"neutral","sentiment_score":0.06839720612359151},{"text":"So if you did wanna put in more than that and not have to worry about it, if you do exceed it, it's using those carry forward concessional contributions that you haven't used in previous tax years, and it kinda works on the oldest to newest.","start":1065.97,"end":1078.61,"sentiment":"neutral","sentiment_score":0.21283838881746583},{"text":"So it would be like what year are we in now?","start":1078.61,"end":1081.5449,"sentiment":"neutral","sentiment_score":0.04408802354538983},{"text":"2026.","start":1081.5449,"end":1082.6649,"sentiment":"neutral","sentiment_score":0.012864140793681145}],"sentiment":"neutral","sentiment_score":0.11750240246878892,"num_words":123,"start":1046.29,"end":1082.6649},{"sentences":[{"text":"So it'd be like from the 2021 to 2022 year you'd be utilizing.","start":1082.6649,"end":1086.0449,"sentiment":"neutral","sentiment_score":0.03232592100707384},{"text":"And and then that would be part of that if you were to exceed that.","start":1087.7849,"end":1090.985,"sentiment":"neutral","sentiment_score":0.1722490926583608},{"text":"Obviously, if you started hitting your account each year for 30,000 for the next five years or your carry forwards would be gone.","start":1090.985,"end":1097.3301,"sentiment":"neutral","sentiment_score":-0.23713922371035037},{"text":"It only counts for years that, like, you don't use.","start":1097.3301,"end":1100.79,"sentiment":"neutral","sentiment_score":-0.18764495849609375},{"text":"And then as soon as you start hitting that cap, they start expiring from the oldest moving forward up into the point you've obviously, you know, don't have any more left.","start":1101.0901,"end":1109.67,"sentiment":"neutral","sentiment_score":-0.1967050370670134}],"sentiment":"neutral","sentiment_score":-0.11331015778705478,"num_words":92,"start":1082.6649,"end":1109.67},{"sentences":[{"text":"Yep.","start":1123.73,"end":1124.13,"sentiment":"neutral","sentiment_score":0.16854548454284668},{"text":"So all you need is your contribution details for hub twenty four, and you can just put it in nonconcessionally.","start":1124.13,"end":1129.27,"sentiment":"neutral","sentiment_score":0.16785949431359767},{"text":"It's a lump sum payment.","start":1129.49,"end":1130.79,"sentiment":"neutral","sentiment_score":0.17078866958618164},{"text":"And then from that there, you can claim a notice of intent.","start":1131.89,"end":1135.01,"sentiment":"neutral","sentiment_score":0.11771305960913499},{"text":"So you don't wanna leave it right up to the last minute because the funds have to be able to go into the fund first, and then you claim that notice of intent once those funds have cleared to make them a concessional contribution.","start":1135.01,"end":1146.265,"sentiment":"neutral","sentiment_score":0.11651703004132617}],"sentiment":"neutral","sentiment_score":0.13315835068138634,"num_words":82,"start":1123.73,"end":1146.265},{"sentences":[{"text":"And then from there, you just do it in your tax return to be able to get the benefit of that with your, I'm assuming, your accountant.","start":1146.645,"end":1154.41,"sentiment":"neutral","sentiment_score":0.14924008633803437},{"text":"You can also ask your accountant as well, given that it's your company, and if you can do it through SuperStream or if it's better off just doing those after tax contributions there as well just as a lump sum payment.","start":1155.11,"end":1167.05,"sentiment":"neutral","sentiment_score":0.03885529222103154},{"text":"And have to claim the notice of intent.","start":1183.4099,"end":1185.1699,"sentiment":"neutral","sentiment_score":0.044909734511747956},{"text":"Yeah.","start":1185.1699,"end":1185.4099,"sentiment":"neutral","sentiment_score":0.06537103652954102},{"text":"And given that he's the one that will probably be dealing with the notice of intent anyway, given that you're running your business through your account, whatever way probably works best for him is probably the way he'll he'll choose anyway.","start":1185.4099,"end":1196.515,"sentiment":"neutral","sentiment_score":0.08881027987453996}],"sentiment":"neutral","sentiment_score":0.0821052516921092,"num_words":118,"start":1146.645,"end":1196.515},{"sentences":[{"text":"He's obviously working with the accounting side.","start":1196.975,"end":1199.055,"sentiment":"neutral","sentiment_score":0.12922962648527964},{"text":"If it goes in through SuperStream, it's automatically a concessional contribution.","start":1199.055,"end":1202.495,"sentiment":"neutral","sentiment_score":0.21497009288180957},{"text":"You don't have to worry about the notice intent and things like that as well.","start":1202.495,"end":1205.455,"sentiment":"neutral","sentiment_score":0.17022628237803777},{"text":"It just depends on the tax legislation for, you know, lump sums to to super through business employment.","start":1205.455,"end":1211.9199,"sentiment":"neutral","sentiment_score":0.09535397837559383},{"text":"Yeah.","start":1212.86,"end":1213.1799,"sentiment":"neutral","sentiment_score":0.22818663716316223}],"sentiment":"neutral","sentiment_score":0.14936982482098615,"num_words":52,"start":1196.975,"end":1213.1799},{"sentences":[{"text":"Which a little bit out of my wheel, that one.","start":1213.1799,"end":1216.32,"sentiment":"neutral","sentiment_score":0.11024657748639584},{"text":"Yep.","start":1241.21,"end":1241.37,"sentiment":"neutral","sentiment_score":-0.08956293761730194},{"text":"Yep.","start":1241.37,"end":1241.87,"sentiment":"neutral","sentiment_score":0.01895144954323769},{"text":"Yeah.","start":1258.04,"end":1258.36,"sentiment":"neutral","sentiment_score":0.2251667082309723},{"text":"And given that, obviously, work it with your account to what's obviously within the tax legislation laws that isn't tax evasion, you do have those carry forward concessional amounts as well that you can utilize depending on how much you do wanna put in.","start":1258.36,"end":1272.575,"sentiment":"neutral","sentiment_score":0.21837337213483723}],"sentiment":"neutral","sentiment_score":0.19062191875357376,"num_words":57,"start":1213.1799,"end":1272.575},{"sentences":[{"text":"Obviously, you know, we can put those sort of things into, advice and putting money into and utilizing those, but, obviously, you know, it is an accountant's wheelhouse as well and how to structure that, the best one.","start":1272.895,"end":1284.87,"sentiment":"neutral","sentiment_score":0.19900870950598465},{"text":"And it's probably a little bit more simpler than waiting a couple weeks for me to tell you just the amounts on your account.","start":1285.51,"end":1290.95,"sentiment":"neutral","sentiment_score":0.19514634056637684},{"text":"It's got your books right there and everything, and there's a better way to chuck it in.","start":1290.95,"end":1294.57,"sentiment":"neutral","sentiment_score":0.06585123543353642},{"text":"Okay.","start":1308.245,"end":1308.745,"sentiment":"neutral","sentiment_score":-0.1828828901052475},{"text":"No problem.","start":1321.395,"end":1322.135,"sentiment":"neutral","sentiment_score":0.031910259276628494}],"sentiment":"neutral","sentiment_score":0.16153965567851938,"num_words":82,"start":1272.895,"end":1322.135},{"sentences":[{"text":"It will be per your original statement of advice.","start":1346.865,"end":1349.985,"sentiment":"neutral","sentiment_score":0.01772378674811787},{"text":"So I can't actually change any of your underlying investments unless we go to it advice, unless you're, like, in a separately managed account.","start":1349.985,"end":1356.1649,"sentiment":"neutral","sentiment_score":-0.03721219728079935},{"text":"So that's why I was talking in terms of those updates.","start":1356.5449,"end":1358.8501,"sentiment":"neutral","sentiment_score":-0.02489063956520774},{"text":"I can't just go in and change that and be like, this is something we're moving away from.","start":1358.8501,"end":1362.53,"sentiment":"neutral","sentiment_score":-0.08499986264440748},{"text":"We're gonna just change it.","start":1362.53,"end":1363.7301,"sentiment":"neutral","sentiment_score":-0.05512439236044884}],"sentiment":"neutral","sentiment_score":-0.04198500266604459,"num_words":67,"start":1346.865,"end":1363.7301},{"sentences":[{"text":"I have to provide some form of record of advice or statement of advice to that change, and then everything that goes into that fund price or after that fact goes per the original SOA or any changes that have made through those advice documents and not just us going around and playing in the background.","start":1363.7301,"end":1380.3251,"sentiment":"neutral","sentiment_score":-0.0009703827838945602},{"text":"Not a problem at all there, Stacy.","start":1384.6399,"end":1386.1799,"sentiment":"positive","sentiment_score":0.34837114810943604},{"text":"Well, I'll get that form sorted, and then hopefully, we get all the answers we need, and then we can have a bit more of an in-depth conversation around what you wanna do insurance wise there as well in the next sort of coming week.","start":1386.5599,"end":1398.645,"sentiment":"neutral","sentiment_score":0.196465289261606},{"text":"And, yeah, we can look at doing that that rollover and getting that sorted for you as well.","start":1398.785,"end":1403.285,"sentiment":"neutral","sentiment_score":0.14454327689276802},{"text":"No problem, sir.","start":1405.665,"end":1406.545,"sentiment":"neutral","sentiment_score":0.15677589426438013}],"sentiment":"neutral","sentiment_score":0.11083179290312552,"num_words":129,"start":1363.7301,"end":1406.545},{"sentences":[{"text":"Sorry.","start":1406.545,"end":1406.785,"sentiment":"neutral","sentiment_score":-0.040272533893585205},{"text":"I couldn't sort of help you much more today.","start":1406.785,"end":1409.045,"sentiment":"neutral","sentiment_score":-0.03529538524647554},{"text":"I just gotta double check-in regards to that if the two funds that we're looking to accept electronic signatures for that.","start":1417.69,"end":1426.905,"sentiment":"neutral","sentiment_score":0.038688144602236296},{"text":"Otherwise, do you have access to a printer if we were to email it to you?","start":1426.905,"end":1431.165,"sentiment":"neutral","sentiment_score":0.018060237693134695},{"text":"Perfect.","start":1432.265,"end":1432.745,"sentiment":"positive","sentiment_score":0.5371686220169067}],"sentiment":"neutral","sentiment_score":0.026680259596711647,"num_words":48,"start":1406.545,"end":1432.745},{"sentences":[{"text":"I'll I'll just throw it in the email.","start":1432.745,"end":1434.505,"sentiment":"neutral","sentiment_score":0.21329072676599026},{"text":"Otherwise, we'll get to my colleague too, and then we can just go from there.","start":1434.505,"end":1438.3201,"sentiment":"neutral","sentiment_score":0.15287472009658815},{"text":"You can just sign that and send it back, and we'll send those off to the the funds there as well.","start":1438.3201,"end":1442.26,"sentiment":"neutral","sentiment_score":0.19368437003521694},{"text":"Perfect.","start":1444.72,"end":1445.04,"sentiment":"positive","sentiment_score":0.7346920967102051},{"text":"I'll get them to get on to that this afternoon so the quicker the the better so we have some time for the insurers fund and superannuation fund to get back to us because normally they're a bit slow as well.","start":1445.04,"end":1455.675,"sentiment":"neutral","sentiment_score":0.3324204465238059}],"sentiment":"neutral","sentiment_score":0.26082266035468077,"num_words":86,"start":1432.745,"end":1455.675},{"sentences":[{"text":"Not a problem at all, Stacy.","start":1459.095,"end":1460.295,"sentiment":"neutral","sentiment_score":0.13935384651025137},{"text":"Well, no problem.","start":1460.295,"end":1461.815,"sentiment":"positive","sentiment_score":0.5084247489770254},{"text":"You enjoy the rest of your afternoon, and we'll speak shortly there.","start":1461.815,"end":1464.715,"sentiment":"positive","sentiment_score":0.5278168953955173},{"text":"Perfect.","start":1466.535,"end":1467.015,"sentiment":"positive","sentiment_score":0.6452018618583679},{"text":"Thanks.","start":1467.015,"end":1467.415,"sentiment":"positive","sentiment_score":0.5999472141265869}],"sentiment":"positive","sentiment_score":0.4321890933358151,"num_words":23,"start":1459.095,"end":1467.415},{"sentences":[{"text":"Bye now.","start":1467.415,"end":1468.075,"sentiment":"positive","sentiment_score":0.3786526322364807}],"sentiment":"positive","sentiment_score":0.3786526322364807,"num_words":2,"start":1467.415,"end":1468.075}]}}]},{"alternatives":[{"transcript":"Hello. Stacy speaking. I'm good. How are you? Yeah. Yeah. That'd be great. Yes. That's fantastic. Thank you. Yeah. Go yeah. Go for it. Yes. That's yes. That's alright. So it's Stacy Daley and 03/31/1980. It's 2 Slash 16 Harrah Road, Harrah. That's okay. Yes. Yeah. Yeah. I think so. So about about a month ago, I actually got a message to say my son something from Hostplus to say something that indicated that there had been funds moved unless it was spam or something. I'm just gonna put you on and have a look at what it actually said. And I thought maybe you guys had done it then, but, obviously let me go host plus. Okay. I don't know where I got it, the email. Actually, I'll just log in to my host plus quickly because so since we've since I've sort of started doing things through you guys, because of the insurance, the I can't get insurance with the new super fund. So I've kept everything I've kept a large portion still with Hostplus. So at the moment, my balance in Hostplus is 46,200. So, basically, I just wanna know I wanna move whatever I can from that over to you guys that doesn't leave me short so my insurance is still covered. Mhmm. Okay. Sure. Yeah. Actually, I just looked. There's been there was a withdrawal on the March 1. I've got no idea what the withdrawal was. $953. So I don't know whether that's fees or what the situation is. But when I have a look at what happened at the February, I can see all my income protection and insurance cover and administration fees and employer contribution tax and all that kind of stuff coming out. So I've got no idea why $953 was taken out. I just assumed it might have been you guys. Yeah. That's good. No. Not that I'm aware of. No. Yeah. Which I just saw the insurance was just through Hostplus. Yeah. No. No. Not at all. I'm just gonna go yeah. So bloody interesting. Because that could be the money that's been taken out, and I had no idea it was even coming out. No. Clear. I'm just putting it into my email. Clearview. No. Never received an email from them. No. It says no. It doesn't it it if it's the large amounts that I'm thinking of that's being taken out, the 953, it just says withdrawal. Doesn't even say who it's what what it's withdrawn to go to. Like, who's it going to? Then but then in yes. Sorry. No. But then in February, I can see it states death insurance additional cover, income protection insurance premium, total permanent disability insurance premium. So I can see it all all of that coming out. But, yeah, it doesn't say it just says withdrawal one March. Yeah. No. I think I have Crohn's. So and I had mental health years and years and years ago, and I think changing to a new a new provider, I think they've basically naturally excluded that. Whereas, Host Plus, because I've been with them for so long, it made sense just to keep it going with them just in case anything happened. Yeah. Yep. Yep. Yeah. Of course. Of course. Yep. Yeah. Sure. Sure. Okay. Yeah. Yeah. Yeah. That'd be great. Yep. Sounds good. Yeah. Yeah. That's fine. Probably Wednesday. Well, what did you say? Thursday? Yeah. Of course. Yeah. Let's do let's do the week after, which is the April 1. Then it gives you a bit more time and then yeah. Because next Thursday is not looking great at the minute. So I can really do well, I can do any time on that Wednesday the first. You could name a time. Yeah. Yeah. Well, let's let's do an afternoon again. Let's do, like, 04:00 in the afternoon. Yep. Yeah. That'd be awesome. That'd be great. Yep. Yep. Yep. Yes, sir. Yep. Yeah. Yep. Yeah. No problem. Yeah. No problem. No problem. That's easy. The only the only one the the only question I had is my husband and I are looking at possibly purchasing an investment property. I just wanted to know briefly, like, you don't have to give me the full rundown, but how it works buying one with super? Or is there do you have to have a certain amount in super before you say you buy one with super? How does that sort of work? Yep. Yep. Yep. Yep. Oh, wow. Okay. Yep. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. No. That's fine. That my husband's my I was looking to see whether it would be beneficial to buy it on my own. My husband's got a very good super with the government where he he when he retire basically, he's worked it out that when he retires, he'll he'll be able to pay off the house and then have, like, a $120,000 salary until basically he dies. And then when he dies, I get 50% of that salary kind of thing. So his super is amazing. But yeah. Yeah. So but it was just what do we do with mine, and we're looking at investment property at the moment. And we could we could service it, the two of us, but I'm like, while I'm talking to you, I'll ask how it actually works because I know I know people do do that. And but, yeah, I'm probably not not ready to do I'm probably better off to do it outside of my super. Yep. Yep. Yep. Yep. Yep. Yep. That's, yep, that's fine. And the only other thing I wanted to know is, do you know what contributions we can make without tax free to super annually? Okay. Okay. Speech thing. Save it. Yeah. Okay. Okay. Sure. Okay. So because we own a business, you see, so we are trying to work out, obviously, this the end of financial year, what how would it work if I put some more money over into super. So are you saying that at the moment so if I put in another 15,000, that that's probably about what the cap that I would be for the twelve months? If I like you said, 12,600 or whatever, but I wouldn't go over that. Like, I wouldn't like, if I if I was set to put another 15,000 in before the end of financial year, I'm not gonna go over the the voluntary cap to be taxed more. No. Yep. Okay. Yep. Okay. Great. Yep. Yep. That's great. Now how if I was to do that, how do I go about putting extra in? Like, if I was to do a lump sum payment like that before the end of financial year, is there like, how do I go about doing that with you guys? Yep. Okay. Okay. Okay. Yeah. Yep. Yeah. Okay. Okay. So because that was what I thought we could always take it out as what what's the best way of taking it out? So that's probably a question for him, whether we do it through, like, our payroll through SuperStream or whether we do it through just as a voluntary contribution where I just, you know, deposit the funds. So yeah. Yeah. Yeah. Yeah. Okay. Yep. Yep. Perfect. Yep. Great. Great. Great. Yeah. No. No. Actually, look, it's completely out of mind. So, you know, I just I just, you know, I just don't wanna leave it. We probably should have done it last year. We obviously, through through having the business and stuff and and the kind of work that I do, we had a bit of a a loss that we were carrying. So it was okay. It was okay. But but then last year I think last year was our last year of loss. So anything we make now, we're gonna be taxed on. So I'm like, well, I just wanna reduce it as much as I can so I don't need to pay, you know, give the tax man more money and what's a way of doing it and suit is a way of doing it. So that's that was my my thought. Yeah. Yep. Yeah. Yeah. Oh, I don't know. He he's not real fast at things. Let me tell you. So we're still waiting for him to do our tax we we've we've actually got a loan rep we're we're waiting for a loan ready to go for an investment property, but we're waiting for our last lot of financials to be done. So he's just very slow. But my husband said he doesn't charge us at the fortune, so, you know, we can't push him. And I'm like, oh, out. Surely. It drives me mad. But anyway anyway, that's a separate issue. But, yeah, no. All good. That's that's probably all I really need to know apart from, obviously, what do I do, what's happened with this insurance, and then, you know, no doubt that if I do make a voluntary contribution, then you guys will just disperse it how you see fit, and the same goes with the money that comes back over from host plus. Whatever amount is taken over from host plus to you, you'll just disperse it as you see fit. Okay. Okay. Yeah. Yeah. Yeah. Yep. Yep. No. That's fine. That's fine. That's great. Excellent. Yep. Yeah. That's fantastic. Great. Appreciate it. No. That's that's fine. That's exactly that's that's all I need. No. That's fine. No problems. And, yeah, you so you'll send the form. Do you send that electronically? Or is that yeah. I do. Yeah. Yeah. Yeah. Of course. Yep. Yep. Sounds great. Yeah. No. I appreciate that. That's great. Excellent. Well, thank you very much. Will do. Sounds good. Thank you. See you. 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Stacy speaking. I'm good. How are you? Yeah.\n\nYeah. That'd be great. Yes. That's fantastic. Thank you.\n\nYeah. Go yeah. Go for it. Yes. That's yes.\n\nThat's alright. So it's Stacy Daley and 03/31/1980. It's 2 Slash 16 Harrah Road, Harrah. That's okay. Yes.\n\nYeah. Yeah. I think so. So about about a month ago, I actually got a message to say my son something from Hostplus to say something that indicated that there had been funds moved unless it was spam or something. I'm just gonna put you on and have a look at what it actually said.\n\nAnd I thought maybe you guys had done it then, but, obviously let me go host plus. Okay. I don't know where I got it, the email. Actually, I'll just log in to my host plus quickly because so since we've since I've sort of started doing things through you guys, because of the insurance, the I can't get insurance with the new super fund. So I've kept everything I've kept a large portion still with Hostplus.\n\nSo at the moment, my balance in Hostplus is 46,200. So, basically, I just wanna know I wanna move whatever I can from that over to you guys that doesn't leave me short so my insurance is still covered. Mhmm. Okay. Sure.\n\nYeah. Actually, I just looked. There's been there was a withdrawal on the March 1. I've got no idea what the withdrawal was. $953.\n\nSo I don't know whether that's fees or what the situation is. But when I have a look at what happened at the February, I can see all my income protection and insurance cover and administration fees and employer contribution tax and all that kind of stuff coming out. So I've got no idea why $953 was taken out. I just assumed it might have been you guys. Yeah.\n\nThat's good. No. Not that I'm aware of. No. Yeah.\n\nWhich I just saw the insurance was just through Hostplus. Yeah. No. No. Not at all.\n\nI'm just gonna go yeah. So bloody interesting. Because that could be the money that's been taken out, and I had no idea it was even coming out. No. Clear.\n\nI'm just putting it into my email. Clearview. No. Never received an email from them. No.\n\nIt says no. It doesn't it it if it's the large amounts that I'm thinking of that's being taken out, the 953, it just says withdrawal. Doesn't even say who it's what what it's withdrawn to go to. Like, who's it going to? Then but then in yes.\n\nSorry. No. But then in February, I can see it states death insurance additional cover, income protection insurance premium, total permanent disability insurance premium. So I can see it all all of that coming out. But, yeah, it doesn't say it just says withdrawal one March.\n\nYeah. No. I think I have Crohn's. So and I had mental health years and years and years ago, and I think changing to a new a new provider, I think they've basically naturally excluded that. Whereas, Host Plus, because I've been with them for so long, it made sense just to keep it going with them just in case anything happened.\n\nYeah. Yep. Yep. Yeah. Of course.\n\nOf course. Yep. Yeah. Sure. Sure.\n\nOkay. Yeah. Yeah. Yeah. That'd be great.\n\nYep. Sounds good. Yeah. Yeah. That's fine.\n\nProbably Wednesday. Well, what did you say? Thursday? Yeah. Of course.\n\nYeah. Let's do let's do the week after, which is the April 1. Then it gives you a bit more time and then yeah. Because next Thursday is not looking great at the minute. So I can really do well, I can do any time on that Wednesday the first.\n\nYou could name a time. Yeah. Yeah. Well, let's let's do an afternoon again. Let's do, like, 04:00 in the afternoon.\n\nYep. Yeah. That'd be awesome. That'd be great. Yep.\n\nYep. Yep. Yes, sir. Yep. Yeah.\n\nYep. Yeah. No problem. Yeah. No problem.\n\nNo problem. That's easy. The only the only one the the only question I had is my husband and I are looking at possibly purchasing an investment property. I just wanted to know briefly, like, you don't have to give me the full rundown, but how it works buying one with super? Or is there do you have to have a certain amount in super before you say you buy one with super?\n\nHow does that sort of work? Yep. Yep. Yep. Yep.\n\nOh, wow. Okay. Yep. Yeah. Yeah.\n\nYeah. Yep. Yeah. Yeah. No.\n\nThat's fine. That my husband's my I was looking to see whether it would be beneficial to buy it on my own. My husband's got a very good super with the government where he he when he retire basically, he's worked it out that when he retires, he'll he'll be able to pay off the house and then have, like, a $120,000 salary until basically he dies. And then when he dies, I get 50% of that salary kind of thing. So his super is amazing.\n\nBut yeah. Yeah. So but it was just what do we do with mine, and we're looking at investment property at the moment. And we could we could service it, the two of us, but I'm like, while I'm talking to you, I'll ask how it actually works because I know I know people do do that. And but, yeah, I'm probably not not ready to do I'm probably better off to do it outside of my super.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. That's, yep, that's fine. And the only other thing I wanted to know is, do you know what contributions we can make without tax free to super annually? Okay. Okay.\n\nSpeech thing. Save it. Yeah. Okay. Okay.\n\nSure. Okay. So because we own a business, you see, so we are trying to work out, obviously, this the end of financial year, what how would it work if I put some more money over into super. So are you saying that at the moment so if I put in another 15,000, that that's probably about what the cap that I would be for the twelve months? If I like you said, 12,600 or whatever, but I wouldn't go over that.\n\nLike, I wouldn't like, if I if I was set to put another 15,000 in before the end of financial year, I'm not gonna go over the the voluntary cap to be taxed more. No. Yep. Okay. Yep.\n\nOkay. Great. Yep. Yep. That's great.\n\nNow how if I was to do that, how do I go about putting extra in? Like, if I was to do a lump sum payment like that before the end of financial year, is there like, how do I go about doing that with you guys? Yep. Okay. Okay.\n\nOkay. Yeah. Yep. Yeah. Okay.\n\nOkay. So because that was what I thought we could always take it out as what what's the best way of taking it out? So that's probably a question for him, whether we do it through, like, our payroll through SuperStream or whether we do it through just as a voluntary contribution where I just, you know, deposit the funds. So yeah. Yeah.\n\nYeah. Yeah. Okay. Yep. Yep.\n\nPerfect. Yep. Great. Great. Great.\n\nYeah. No. No. Actually, look, it's completely out of mind. So, you know, I just I just, you know, I just don't wanna leave it.\n\nWe probably should have done it last year. We obviously, through through having the business and stuff and and the kind of work that I do, we had a bit of a a loss that we were carrying. So it was okay. It was okay. But but then last year I think last year was our last year of loss.\n\nSo anything we make now, we're gonna be taxed on. So I'm like, well, I just wanna reduce it as much as I can so I don't need to pay, you know, give the tax man more money and what's a way of doing it and suit is a way of doing it. So that's that was my my thought. Yeah. Yep.\n\nYeah. Yeah. Oh, I don't know. He he's not real fast at things. Let me tell you.\n\nSo we're still waiting for him to do our tax we we've we've actually got a loan rep we're we're waiting for a loan ready to go for an investment property, but we're waiting for our last lot of financials to be done. So he's just very slow. But my husband said he doesn't charge us at the fortune, so, you know, we can't push him. And I'm like, oh, out. Surely.\n\nIt drives me mad. But anyway anyway, that's a separate issue. But, yeah, no. All good. That's that's probably all I really need to know apart from, obviously, what do I do, what's happened with this insurance, and then, you know, no doubt that if I do make a voluntary contribution, then you guys will just disperse it how you see fit, and the same goes with the money that comes back over from host plus.\n\nWhatever amount is taken over from host plus to you, you'll just disperse it as you see fit. Okay. Okay. Yeah. Yeah.\n\nYeah. Yep. Yep. No. That's fine.\n\nThat's fine. That's great. Excellent. Yep. Yeah.\n\nThat's fantastic. Great. Appreciate it. No. That's that's fine.\n\nThat's exactly that's that's all I need. No. That's fine. No problems. And, yeah, you so you'll send the form.\n\nDo you send that electronically? Or is that yeah. I do. Yeah. Yeah.\n\nYeah. Of course. Yep. Yep. Sounds great.\n\nYeah. No. I appreciate that. That's great. Excellent.\n\nWell, thank you very much. Will do. Sounds good. Thank you. See you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.88,"end":1.36,"sentiment":"neutral","sentiment_score":0.04074110463261604},{"text":"Stacy speaking.","start":1.36,"end":2.26,"sentiment":"neutral","sentiment_score":0.052908316254615784},{"text":"I'm good.","start":5.92,"end":6.56,"sentiment":"positive","sentiment_score":0.39461418986320496},{"text":"How are you?","start":6.56,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.23494532207647958},{"text":"Yeah.","start":13.585,"end":13.985001,"sentiment":"neutral","sentiment_score":0.1272037774324417}],"sentiment":"neutral","sentiment_score":0.19642509561445978,"num_words":9,"start":0.88,"end":13.985001},{"sentences":[{"text":"Yeah.","start":13.985001,"end":14.305,"sentiment":"neutral","sentiment_score":0.23963534832000732},{"text":"That'd be great.","start":14.305,"end":15.185,"sentiment":"positive","sentiment_score":0.49373599886894226},{"text":"Yes.","start":15.185,"end":15.505,"sentiment":"positive","sentiment_score":0.509932816028595},{"text":"That's fantastic.","start":15.505,"end":16.325,"sentiment":"positive","sentiment_score":0.725314736366272},{"text":"Thank you.","start":16.465,"end":17.205,"sentiment":"positive","sentiment_score":0.6163208186626434}],"sentiment":"positive","sentiment_score":0.5460052523348067,"num_words":9,"start":13.985001,"end":17.205},{"sentences":[{"text":"Yeah.","start":21.425,"end":21.925,"sentiment":"neutral","sentiment_score":0.06876814365386963},{"text":"Go yeah.","start":22.305,"end":23.105,"sentiment":"neutral","sentiment_score":0.03907813876867294},{"text":"Go for it.","start":23.105,"end":24.005001,"sentiment":"neutral","sentiment_score":0.027888262644410133},{"text":"Yes.","start":25.265,"end":25.765,"sentiment":"neutral","sentiment_score":0.05771266669034958},{"text":"That's 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okay.","start":43.38,"end":44.335003,"sentiment":"neutral","sentiment_score":0.1936163753271103},{"text":"Yes.","start":52.395,"end":52.895,"sentiment":"neutral","sentiment_score":0.025562364608049393}],"sentiment":"neutral","sentiment_score":0.04635500214580032,"num_words":18,"start":27.94,"end":52.895},{"sentences":[{"text":"Yeah.","start":58.075,"end":58.575,"sentiment":"neutral","sentiment_score":-0.005167481489479542},{"text":"Yeah.","start":59.09,"end":59.41,"sentiment":"neutral","sentiment_score":-0.006816033273935318},{"text":"I think so.","start":59.41,"end":60.21,"sentiment":"neutral","sentiment_score":-0.018442507833242416},{"text":"So about about a month ago, I actually got a message to say my son something from Hostplus to say something that indicated that there had been funds moved unless it was spam or something.","start":60.21,"end":77.354996,"sentiment":"neutral","sentiment_score":-0.06230306407170636},{"text":"I'm just gonna put you on and have a look at what it actually said.","start":77.354996,"end":81.055,"sentiment":"neutral","sentiment_score":-0.02214070229480664}],"sentiment":"neutral","sentiment_score":-0.046909614821726626,"num_words":55,"start":58.075,"end":81.055},{"sentences":[{"text":"And I thought maybe you guys had done it then, but, obviously let me go host plus.","start":81.595,"end":86.97,"sentiment":"neutral","sentiment_score":-0.06446174006251727},{"text":"Okay.","start":88.41,"end":88.81,"sentiment":"neutral","sentiment_score":-0.06429466605186462},{"text":"I don't know where I got it, the email.","start":88.81,"end":90.83,"sentiment":"neutral","sentiment_score":-0.08012254618936115},{"text":"Actually, I'll just log in to my host plus quickly because so since we've since I've sort of started doing things through you guys, because of the insurance, the I can't get insurance with the new super fund.","start":91.770004,"end":109.494995,"sentiment":"neutral","sentiment_score":-0.09993916132340305},{"text":"So I've kept everything I've kept a large portion still with Hostplus.","start":109.795,"end":115.415,"sentiment":"neutral","sentiment_score":-0.06915449878821771}],"sentiment":"neutral","sentiment_score":-0.08452973089047841,"num_words":77,"start":81.595,"end":115.415},{"sentences":[{"text":"So at the moment, my balance in Hostplus is 46,200.","start":117.0,"end":121.240005,"sentiment":"neutral","sentiment_score":-0.019118974544107915},{"text":"So, basically, I just wanna know I wanna move whatever I can from that over to you guys that doesn't leave me short so my insurance is still covered.","start":121.240005,"end":131.205,"sentiment":"neutral","sentiment_score":0.07925548609988443},{"text":"Mhmm.","start":140.565,"end":141.065,"sentiment":"neutral","sentiment_score":0.026128118857741356},{"text":"Okay.","start":150.25,"end":150.65,"sentiment":"neutral","sentiment_score":0.08668714761734009},{"text":"Sure.","start":150.65,"end":151.15,"sentiment":"neutral","sentiment_score":0.18845105171203613}],"sentiment":"neutral","sentiment_score":0.05734489689625445,"num_words":42,"start":117.0,"end":151.15},{"sentences":[{"text":"Yeah.","start":160.945,"end":161.02501,"sentiment":"neutral","sentiment_score":0.012541132047772408},{"text":"Actually, I just looked.","start":161.02501,"end":161.74501,"sentiment":"neutral","sentiment_score":-0.034439020324498415},{"text":"There's been there was a withdrawal on the March 1.","start":161.74501,"end":164.225,"sentiment":"neutral","sentiment_score":-0.1200349822640419},{"text":"I've got no idea what the withdrawal 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all.","start":282.555,"end":283.45502,"sentiment":"neutral","sentiment_score":-0.2726833422978719}],"sentiment":"neutral","sentiment_score":-0.10994093120098114,"num_words":16,"start":249.035,"end":283.45502},{"sentences":[{"text":"I'm just gonna go yeah.","start":285.835,"end":287.435,"sentiment":"neutral","sentiment_score":0.012717186659574508},{"text":"So bloody interesting.","start":287.435,"end":288.575,"sentiment":"neutral","sentiment_score":-0.16424432396888733},{"text":"Because that could be the money that's been taken out, and I had no idea it was even coming out.","start":288.795,"end":292.795,"sentiment":"neutral","sentiment_score":-0.2891368240118027},{"text":"No.","start":292.795,"end":293.19,"sentiment":"neutral","sentiment_score":-0.13558737933635712},{"text":"Clear.","start":293.27,"end":293.43,"sentiment":"neutral","sentiment_score":-0.086736299097538}],"sentiment":"neutral","sentiment_score":-0.2144735732426246,"num_words":30,"start":285.835,"end":293.43},{"sentences":[{"text":"I'm just putting it into my email.","start":293.43,"end":295.13,"sentiment":"neutral","sentiment_score":-0.07619142638785499},{"text":"Clearview.","start":295.83002,"end":296.33002,"sentiment":"neutral","sentiment_score":-0.02832905948162079},{"text":"No.","start":297.51,"end":297.83002,"sentiment":"neutral","sentiment_score":-0.23198628425598145},{"text":"Never received an email from them.","start":297.83002,"end":299.69,"sentiment":"neutral","sentiment_score":-0.21379407743612924},{"text":"No.","start":305.27,"end":305.43,"sentiment":"neutral","sentiment_score":-0.23165681958198547}],"sentiment":"neutral","sentiment_score":-0.14425478829070926,"num_words":16,"start":293.43,"end":305.43},{"sentences":[{"text":"It says no.","start":305.43,"end":305.99,"sentiment":"neutral","sentiment_score":-0.24927369753519693},{"text":"It doesn't it it if it's the large amounts that I'm thinking of that's being taken out, the 953, it just says withdrawal.","start":305.99,"end":314.265,"sentiment":"neutral","sentiment_score":-0.20007145404815674},{"text":"Doesn't even say who it's what what it's withdrawn to go to.","start":315.045,"end":318.725,"sentiment":"neutral","sentiment_score":-0.1692687248190244},{"text":"Like, who's it going to?","start":318.725,"end":320.505,"sentiment":"neutral","sentiment_score":-0.09677381068468094},{"text":"Then but then in 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be great.","start":505.585,"end":506.565,"sentiment":"positive","sentiment_score":0.6376239061355591}],"sentiment":"positive","sentiment_score":0.37758273019322325,"num_words":7,"start":459.895,"end":506.565},{"sentences":[{"text":"Yep.","start":506.785,"end":507.105,"sentiment":"positive","sentiment_score":0.5391043424606323},{"text":"Sounds good.","start":507.105,"end":507.92502,"sentiment":"positive","sentiment_score":0.6011432111263275},{"text":"Yeah.","start":537.005,"end":537.505,"sentiment":"neutral","sentiment_score":0.05739330500364304},{"text":"Yeah.","start":538.925,"end":539.325,"sentiment":"neutral","sentiment_score":0.13135290145874023},{"text":"That's fine.","start":539.325,"end":540.14496,"sentiment":"neutral","sentiment_score":0.1821451112627983}],"sentiment":"neutral","sentiment_score":0.32777531338589533,"num_words":7,"start":506.785,"end":540.14496},{"sentences":[{"text":"Probably 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yeah.","start":561.275,"end":565.11505,"sentiment":"neutral","sentiment_score":0.020943239331245422},{"text":"Because next Thursday is not looking great at the minute.","start":565.11505,"end":567.995,"sentiment":"neutral","sentiment_score":-0.08698856756091118},{"text":"So I can really do well, I can do any time on that Wednesday the first.","start":567.995,"end":576.68,"sentiment":"neutral","sentiment_score":0.15965839219279587}],"sentiment":"neutral","sentiment_score":0.050327072665095327,"num_words":50,"start":555.835,"end":576.68},{"sentences":[{"text":"You could name a time.","start":576.68,"end":577.89996,"sentiment":"neutral","sentiment_score":0.12097244411706924},{"text":"Yeah.","start":581.83496,"end":582.33496,"sentiment":"neutral","sentiment_score":0.07081326842308044},{"text":"Yeah.","start":585.435,"end":585.83496,"sentiment":"neutral","sentiment_score":0.08596678078174591},{"text":"Well, let's let's do an afternoon 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problem.","start":682.18,"end":682.82,"sentiment":"neutral","sentiment_score":0.21686642616987228}],"sentiment":"neutral","sentiment_score":0.19372523363147462,"num_words":7,"start":674.5,"end":682.82},{"sentences":[{"text":"No problem.","start":682.82,"end":683.56,"sentiment":"neutral","sentiment_score":0.25104912370443344},{"text":"That's easy.","start":685.3,"end":686.04,"sentiment":"neutral","sentiment_score":0.2871500886976719},{"text":"The only the only one the the only question I had is my husband and I are looking at possibly purchasing an investment property.","start":687.84503,"end":696.265,"sentiment":"neutral","sentiment_score":0.09166733144472043},{"text":"I just wanted to know briefly, like, you don't have to give me the full rundown, but how it works buying one with super?","start":697.685,"end":705.17004,"sentiment":"neutral","sentiment_score":0.11309121362864971},{"text":"Or is there do you have to have a certain amount in super before you say you buy one with super?","start":705.63,"end":710.75,"sentiment":"neutral","sentiment_score":0.0043024491696130665}],"sentiment":"neutral","sentiment_score":0.08330075259078039,"num_words":73,"start":682.82,"end":710.75},{"sentences":[{"text":"How does that sort of work?","start":710.75,"end":712.13,"sentiment":"neutral","sentiment_score":0.054745360588033996},{"text":"Yep.","start":727.32495,"end":727.82495,"sentiment":"neutral","sentiment_score":-0.024378424510359764},{"text":"Yep.","start":731.67,"end":732.17,"sentiment":"neutral","sentiment_score":-0.09905346482992172},{"text":"Yep.","start":739.43,"end":739.93,"sentiment":"neutral","sentiment_score":-0.08975301682949066},{"text":"Yep.","start":742.245,"end":742.745,"sentiment":"neutral","sentiment_score":-0.10099464654922484}],"sentiment":"neutral","sentiment_score":0.0014292610809206977,"num_words":10,"start":710.75,"end":742.745},{"sentences":[{"text":"Oh, wow.","start":748.885,"end":749.525,"sentiment":"neutral","sentiment_score":0.016574623063206676},{"text":"Okay.","start":749.525,"end":750.025,"sentiment":"neutral","sentiment_score":0.01953388005495071},{"text":"Yep.","start":762.58997,"end":763.08997,"sentiment":"neutral","sentiment_score":0.01840182952582836},{"text":"Yeah.","start":772.40497,"end":772.90497,"sentiment":"neutral","sentiment_score":-0.07042649388313293},{"text":"Yeah.","start":785.69995,"end":786.19995,"sentiment":"neutral","sentiment_score":0.026949020102620125}],"sentiment":"neutral","sentiment_score":0.004601246987779935,"num_words":6,"start":748.885,"end":786.19995},{"sentences":[{"text":"Yeah.","start":790.33997,"end":790.83997,"sentiment":"neutral","sentiment_score":-0.022157177329063416},{"text":"Yep.","start":791.93994,"end":792.43994,"sentiment":"neutral","sentiment_score":-0.19646012783050537},{"text":"Yeah.","start":793.215,"end":793.715,"sentiment":"neutral","sentiment_score":-0.07469840347766876},{"text":"Yeah.","start":799.53503,"end":800.03503,"sentiment":"neutral","sentiment_score":0.00964629277586937},{"text":"No.","start":804.09503,"end":804.335,"sentiment":"neutral","sentiment_score":-0.042030636221170425}],"sentiment":"neutral","sentiment_score":-0.06514001041650772,"num_words":5,"start":790.33997,"end":804.335},{"sentences":[{"text":"That's fine.","start":804.335,"end":805.155,"sentiment":"neutral","sentiment_score":0.1084844172000885},{"text":"That my husband's my I was looking to see whether it would be beneficial to buy it on my own.","start":805.76,"end":812.4,"sentiment":"neutral","sentiment_score":0.11713797636330128},{"text":"My husband's got a very good super with the government where he he when he retire basically, he's worked it out that when he retires, he'll he'll be able to pay off the house and then have, like, a $120,000 salary until basically he dies.","start":812.4,"end":830.545,"sentiment":"neutral","sentiment_score":0.2753861789902051},{"text":"And then when he dies, I get 50% of that salary kind of thing.","start":830.545,"end":834.68,"sentiment":"neutral","sentiment_score":0.22196814311402185},{"text":"So his super is amazing.","start":834.68,"end":836.86,"sentiment":"positive","sentiment_score":0.7333231449127198}],"sentiment":"neutral","sentiment_score":0.25263111795796905,"num_words":86,"start":804.335,"end":836.86},{"sentences":[{"text":"But yeah.","start":840.76,"end":842.04004,"sentiment":"neutral","sentiment_score":0.09417479112744331},{"text":"Yeah.","start":842.04004,"end":842.52,"sentiment":"neutral","sentiment_score":0.05365143343806267},{"text":"So but it was just what do we do with mine, and we're looking at investment property at the moment.","start":842.52,"end":847.96,"sentiment":"neutral","sentiment_score":0.004137271177023649},{"text":"And we could we could service it, the two of us, but I'm like, while I'm talking to you, I'll ask how it actually works because I know I know people do do that.","start":847.96,"end":857.365,"sentiment":"neutral","sentiment_score":-0.005006322089363547},{"text":"And but, yeah, I'm probably not not ready to do I'm probably better off to do it outside of my 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yep, that's fine.","start":914.395,"end":917.09,"sentiment":"positive","sentiment_score":0.5553324446082115},{"text":"And the only other thing I wanted to know is, do you know what contributions we can make without tax free to super annually?","start":917.09,"end":931.735,"sentiment":"neutral","sentiment_score":0.09994750454400976},{"text":"Okay.","start":936.115,"end":936.615,"sentiment":"neutral","sentiment_score":0.019754063338041306},{"text":"Okay.","start":939.235,"end":939.735,"sentiment":"neutral","sentiment_score":0.1519404649734497}],"sentiment":"neutral","sentiment_score":0.1661340346740138,"num_words":31,"start":913.835,"end":939.735},{"sentences":[{"text":"Speech thing.","start":948.29,"end":949.01,"sentiment":"neutral","sentiment_score":0.004128087311983107},{"text":"Save it.","start":949.01,"end":949.75,"sentiment":"neutral","sentiment_score":0.06723242253065109},{"text":"Yeah.","start":952.05,"end":952.55,"sentiment":"neutral","sentiment_score":0.020713387057185173},{"text":"Okay.","start":967.565,"end":968.065,"sentiment":"neutral","sentiment_score":0.02560035139322281},{"text":"Okay.","start":972.605,"end":973.105,"sentiment":"neutral","sentiment_score":0.1330839991569519}],"sentiment":"neutral","sentiment_score":0.046016965327518325,"num_words":7,"start":948.29,"end":973.105},{"sentences":[{"text":"Sure.","start":983.18,"end":983.68,"sentiment":"neutral","sentiment_score":0.15076962113380432},{"text":"Okay.","start":998.20496,"end":998.685,"sentiment":"neutral","sentiment_score":0.0927516222000122},{"text":"So because we own a business, you see, so we are trying to work out, obviously, this the end of financial year, what how would it work if I put some more money over into 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more.","start":1030.82,"end":1043.495,"sentiment":"neutral","sentiment_score":-0.31402306653120937},{"text":"No.","start":1055.155,"end":1055.655,"sentiment":"neutral","sentiment_score":-0.015546336770057678},{"text":"Yep.","start":1055.715,"end":1056.215,"sentiment":"neutral","sentiment_score":0.03805985301733017},{"text":"Okay.","start":1058.5,"end":1059.0,"sentiment":"neutral","sentiment_score":0.10266858339309692},{"text":"Yep.","start":1064.98,"end":1065.48,"sentiment":"neutral","sentiment_score":0.1815926879644394}],"sentiment":"neutral","sentiment_score":-0.2728949861699029,"num_words":38,"start":1030.82,"end":1065.48},{"sentences":[{"text":"Okay.","start":1086.6649,"end":1087.1649,"sentiment":"neutral","sentiment_score":0.30271831154823303},{"text":"Great.","start":1087.6,"end":1088.1,"sentiment":"positive","sentiment_score":0.5893493294715881},{"text":"Yep.","start":1097.5199,"end":1098.0199,"sentiment":"neutral","sentiment_score":-0.08111545443534851},{"text":"Yep.","start":1110.095,"end":1110.575,"sentiment":"neutral","sentiment_score":0.22322313487529755},{"text":"That's great.","start":1110.575,"end":1111.135,"sentiment":"positive","sentiment_score":0.6783946454524994}],"sentiment":"positive","sentiment_score":0.39849410206079483,"num_words":6,"start":1086.6649,"end":1111.135},{"sentences":[{"text":"Now how if I was to do that, how do I go about putting extra in?","start":1111.135,"end":1115.82,"sentiment":"neutral","sentiment_score":0.1347641283646226},{"text":"Like, if I was to do a lump sum payment like that before the end of financial year, is there like, how do I go about doing that with you 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because that was what I thought we could always take it out as what what's the best way of taking it out?","start":1166.695,"end":1172.9818,"sentiment":"neutral","sentiment_score":-0.02471805363893509},{"text":"So that's probably a question for him, whether we do it through, like, our payroll through SuperStream or whether we do it through just as a voluntary contribution where I just, you know, deposit the funds.","start":1172.9818,"end":1183.28,"sentiment":"neutral","sentiment_score":0.018802032547278538},{"text":"So yeah.","start":1183.28,"end":1186.215,"sentiment":"neutral","sentiment_score":0.04807143472135067},{"text":"Yeah.","start":1191.3151,"end":1191.8151,"sentiment":"neutral","sentiment_score":0.10327592492103577}],"sentiment":"neutral","sentiment_score":0.005026497227686738,"num_words":63,"start":1166.375,"end":1191.8151},{"sentences":[{"text":"Yeah.","start":1194.595,"end":1195.095,"sentiment":"neutral","sentiment_score":0.1502741128206253},{"text":"Yeah.","start":1197.475,"end":1197.635,"sentiment":"neutral","sentiment_score":0.10778700560331345},{"text":"Okay.","start":1197.635,"end":1198.135,"sentiment":"neutral","sentiment_score":0.1321263611316681},{"text":"Yep.","start":1205.62,"end":1206.12,"sentiment":"neutral","sentiment_score":0.09176205843687056},{"text":"Yep.","start":1211.3,"end":1211.78,"sentiment":"neutral","sentiment_score":0.05318198353052139}],"sentiment":"neutral","sentiment_score":0.10702630430459976,"num_words":5,"start":1194.595,"end":1211.78},{"sentences":[{"text":"Perfect.","start":1211.78,"end":1212.28,"sentiment":"positive","sentiment_score":0.5477052927017212},{"text":"Yep.","start":1212.875,"end":1213.2749,"sentiment":"neutral","sentiment_score":0.1987245976924896},{"text":"Great.","start":1213.2749,"end":1213.595,"sentiment":"positive","sentiment_score":0.6431833505630493},{"text":"Great.","start":1213.595,"end":1213.835,"sentiment":"positive","sentiment_score":0.6723098754882812},{"text":"Great.","start":1213.835,"end":1214.335,"sentiment":"positive","sentiment_score":0.5691878795623779}],"sentiment":"positive","sentiment_score":0.5262221992015839,"num_words":5,"start":1211.78,"end":1214.335},{"sentences":[{"text":"Yeah.","start":1215.595,"end":1216.075,"sentiment":"neutral","sentiment_score":0.005704602226614952},{"text":"No.","start":1216.075,"end":1216.315,"sentiment":"neutral","sentiment_score":-0.23902347683906555},{"text":"No.","start":1216.315,"end":1216.475,"sentiment":"neutral","sentiment_score":-0.2648467421531677},{"text":"Actually, look, it's completely out of mind.","start":1216.475,"end":1218.315,"sentiment":"neutral","sentiment_score":-0.18630058211939676},{"text":"So, you know, I just I just, you know, I just don't wanna leave it.","start":1218.315,"end":1222.875,"sentiment":"neutral","sentiment_score":-0.23247304956118267}],"sentiment":"neutral","sentiment_score":-0.2115746174007654,"num_words":25,"start":1215.595,"end":1222.875},{"sentences":[{"text":"We probably should have done it last year.","start":1222.875,"end":1224.87,"sentiment":"neutral","sentiment_score":-0.2057031597942114},{"text":"We obviously, through through having the business and stuff and and the kind of work that I do, we had a bit of a a loss that we were carrying.","start":1225.83,"end":1234.95,"sentiment":"neutral","sentiment_score":-0.2719805307686329},{"text":"So it was okay.","start":1234.95,"end":1236.25,"sentiment":"neutral","sentiment_score":0.145975049585104},{"text":"It was 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doubt that if I do make a voluntary contribution, then you guys will just disperse it how you see fit, and the same goes with the money that comes back over from host plus.","start":1323.905,"end":1341.38,"sentiment":"neutral","sentiment_score":0.03321398032518725}],"sentiment":"neutral","sentiment_score":-0.02152234481304492,"num_words":76,"start":1315.8501,"end":1341.38},{"sentences":[{"text":"Whatever amount is taken over from host plus to you, you'll just disperse it as you see 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fantastic.","start":1403.565,"end":1404.3849,"sentiment":"positive","sentiment_score":0.5633664727210999},{"text":"Great.","start":1404.6849,"end":1405.1849,"sentiment":"positive","sentiment_score":0.6226271390914917},{"text":"Appreciate it.","start":1405.565,"end":1406.5449,"sentiment":"neutral","sentiment_score":0.2951209023594856},{"text":"No.","start":1408.365,"end":1408.6849,"sentiment":"neutral","sentiment_score":-0.027961941435933113},{"text":"That's that's fine.","start":1408.6849,"end":1409.565,"sentiment":"neutral","sentiment_score":0.14104196925957999}],"sentiment":"neutral","sentiment_score":0.30386287284394103,"num_words":9,"start":1403.565,"end":1409.565},{"sentences":[{"text":"That's exactly that's that's all I need.","start":1409.565,"end":1412.0449,"sentiment":"neutral","sentiment_score":0.2510276138782501},{"text":"No.","start":1412.0449,"end":1412.2849,"sentiment":"neutral","sentiment_score":0.12410072982311247},{"text":"That's fine.","start":1412.2849,"end":1413.085,"sentiment":"neutral","sentiment_score":0.15128519386053085},{"text":"No problems.","start":1413.085,"end":1413.745,"sentiment":"neutral","sentiment_score":0.16321922838687897},{"text":"And, yeah, you so you'll send the form.","start":1413.84,"end":1415.36,"sentiment":"neutral","sentiment_score":0.08048838889226317}],"sentiment":"neutral","sentiment_score":0.15771049913018942,"num_words":20,"start":1409.565,"end":1415.36},{"sentences":[{"text":"Do you send that electronically?","start":1415.36,"end":1416.58,"sentiment":"neutral","sentiment_score":0.04107616245746613},{"text":"Or is that yeah.","start":1416.88,"end":1420.83,"sentiment":"neutral","sentiment_score":0.046212282963097095},{"text":"I do.","start":1429.8849,"end":1430.2849,"sentiment":"neutral","sentiment_score":0.018727373331785202},{"text":"Yeah.","start":1430.2849,"end":1430.6849,"sentiment":"neutral","sentiment_score":0.04507105425000191},{"text":"Yeah.","start":1430.6849,"end":1431.085,"sentiment":"neutral","sentiment_score":0.05925293639302254}],"sentiment":"neutral","sentiment_score":0.040923744726639524,"num_words":13,"start":1415.36,"end":1431.085},{"sentences":[{"text":"Yeah.","start":1431.085,"end":1431.325,"sentiment":"neutral","sentiment_score":0.08357361704111099},{"text":"Of course.","start":1431.325,"end":1431.985,"sentiment":"neutral","sentiment_score":0.16426502168178558},{"text":"Yep.","start":1432.445,"end":1432.945,"sentiment":"neutral","sentiment_score":0.3042184114456177},{"text":"Yep.","start":1442.5,"end":1443.0,"sentiment":"positive","sentiment_score":0.3409971594810486},{"text":"Sounds great.","start":1443.0599,"end":1444.2,"sentiment":"positive","sentiment_score":0.7685850560665131}],"sentiment":"positive","sentiment_score":0.37064133478062494,"num_words":7,"start":1431.085,"end":1444.2},{"sentences":[{"text":"Yeah.","start":1455.7251,"end":1456.045,"sentiment":"neutral","sentiment_score":0.1704103648662567},{"text":"No.","start":1456.045,"end":1456.285,"sentiment":"neutral","sentiment_score":0.04381468892097473},{"text":"I appreciate that.","start":1456.285,"end":1457.165,"sentiment":"positive","sentiment_score":0.45888447761535645},{"text":"That's great.","start":1457.165,"end":1457.905,"sentiment":"positive","sentiment_score":0.6826616823673248},{"text":"Excellent.","start":1459.245,"end":1459.745,"sentiment":"neutral","sentiment_score":0.2482246458530426}],"sentiment":"positive","sentiment_score":0.40055331215262413,"num_words":8,"start":1455.7251,"end":1459.745},{"sentences":[{"text":"Well, thank you very much.","start":1459.805,"end":1461.1051,"sentiment":"positive","sentiment_score":0.5447183847427368},{"text":"Will do.","start":1463.5651,"end":1464.2549,"sentiment":"neutral","sentiment_score":0.22837644815444946},{"text":"Sounds good.","start":1464.9749,"end":1465.7949,"sentiment":"positive","sentiment_score":0.6612219214439392},{"text":"Thank you.","start":1465.8549,"end":1466.5948,"sentiment":"positive","sentiment_score":0.6556290090084076},{"text":"See you.","start":1467.7749,"end":1468.2549,"sentiment":"positive","sentiment_score":0.36082346737384796}],"sentiment":"positive","sentiment_score":0.5027456627442286,"num_words":13,"start":1459.805,"end":1468.2549},{"sentences":[{"text":"Bye.","start":1468.2549,"end":1468.7549,"sentiment":"neutral","sentiment_score":-0.10599126666784286}],"sentiment":"neutral","sentiment_score":-0.10599126666784286,"num_words":1,"start":1468.2549,"end":1468.7549}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Stacy speaking.\n\nChannel 0: Good afternoon, Stacy. It's Carl calling from Oakview Financial. How are you?\n\nChannel 1: I'm good. How are you?\n\nChannel 0: Yeah. Not too bad at all. Thanks for asking. I had you scheduled in to to go out for a bit of a catch up. Is now still a good time for\n\nChannel 1: Yeah.\n\nChannel 0: you?\n\nChannel 1: Yeah. That'd be great. Yes. That's fantastic. Thank you.\n\nChannel 0: Not a problem at all. If I could just pass you through security first, we can get stuck into that\n\nChannel 1: Yeah.\n\nChannel 0: one today. The\n\nChannel 1: Go\n\nChannel 0: Stacy,\n\nChannel 1: yeah.\n\nChannel 0: is that\n\nChannel 1: Go\n\nChannel 0: name,\n\nChannel 1: for\n\nChannel 0: date\n\nChannel 1: it.\n\nChannel 0: of birth? Brilliant. Just\n\nChannel 1: Yes.\n\nChannel 0: name, date\n\nChannel 1: That's\n\nChannel 0: of birth. Sorry.\n\nChannel 1: yes.\n\nChannel 0: I mean, you keep cutting\n\nChannel 1: That's\n\nChannel 0: off.\n\nChannel 1: alright. So it's Stacy Daley and 03/31/1980.\n\nChannel 0: Perfect. And then just your your current address there. Thanks for me.\n\nChannel 1: It's 2 Slash 16 Harrah Road, Harrah.\n\nChannel 0: Perfect. Thank you for that one.\n\nChannel 1: That's okay.\n\nChannel 0: Now as I said, I've got you scheduled in there just for the interview follow-up from when you spoke to my colleague, Samantha. So I'm one of the\n\nChannel 1: Yes.\n\nChannel 0: financial advisers here, and I believe it was just in regards to your retained fund with host plus potentially doing\n\nChannel 1: Yeah.\n\nChannel 0: a rollover.\n\nChannel 1: Yeah. I think so. So about about a month ago, I actually got a message to say my son something from Hostplus to say something that indicated that there had been funds moved unless it was spam or something. I'm just gonna put you on and have a look\n\nChannel 0: Yeah.\n\nChannel 1: at what it actually said. And I thought maybe you guys had done it then, but, obviously let me go host plus. Okay. I don't know where I got it, the email. Actually, I'll just log in to my host plus quickly because so since we've since I've sort of started doing things through you guys,\n\nChannel 0: Yep.\n\nChannel 1: because of the insurance, the I can't get insurance with the new super fund. So I've kept everything I've kept a large portion still with Hostplus.\n\nChannel 0: Yep.\n\nChannel 1: So at the moment, my balance in Hostplus is 46,200. So, basically, I just wanna know I wanna move whatever I can from that over to you guys that\n\nChannel 0: Yep.\n\nChannel 1: doesn't leave me short so my insurance is still covered.\n\nChannel 0: Yeah. So with that, one thing I do need to do there is get another third party authority. So the one we had previously, that way\n\nChannel 1: Mhmm.\n\nChannel 0: you were using to be able to view your account, they've changed the the requirement there. So we just need to do an updated form so that way we're able to call up and just maintain visibility on your host plus.\n\nChannel 1: Okay.\n\nChannel 0: Obviously,\n\nChannel 1: Sure.\n\nChannel 0: you're you're you're contributing to it, so that's fine. There's no real risk of it dropping below the amount required to sort of maintain those insurances, at least from what I'm aware.\n\nChannel 1: Yeah. Actually, I just looked. There's been there was a withdrawal on the March 1. I've got no idea what the withdrawal was. $953.\n\nSo I don't know whether that's fees or what the situation is. But when I have a look at what happened at the February, I can see all my income protection and insurance cover and administration fees and employer contribution tax and all that kind of stuff coming out. So I've got no idea why $953 was taken out. I just assumed it might have been you guys.\n\nChannel 0: No. That's not us. I can actually see here from the research pre obviously, because we haven't spoken before, Stacy,\n\nChannel 1: Yeah.\n\nChannel 0: so I do apologize.\n\nChannel 1: That's\n\nChannel 0: I can\n\nChannel 1: good.\n\nChannel 0: see here that you do have a payment that's come out previously for Clearview Life Solutions. Do you have another life insurance policy through Clearview that you're aware of\n\nChannel 1: No.\n\nChannel 0: or some\n\nChannel 1: Not that I'm aware of. No.\n\nChannel 0: interesting. Yeah. Because it seems that you do have some third party payment that is coming out of that, and it does state from what the previous retails I have, which is quite outdated, I must admit there. I believe it's the in the 2025 sort of thing. Yeah.\n\nYeah. There's a ClearView Life Solutions payment amount that is coming out, which is curious to me because that would mean that\n\nChannel 1: Yeah.\n\nChannel 0: you have some form of insurance with Clearview. Now\n\nChannel 1: Which I\n\nChannel 0: that\n\nChannel 1: just saw the insurance was just through Hostplus.\n\nChannel 0: yeah. I can see you do have, like, obviously, the research is old there that you do have. The last research is around one seventy seven of life and total parent disability and income protection with home plus directly as a group cover there as well. Now\n\nChannel 1: Yeah.\n\nChannel 0: with that third party authority, we might submit that to Clearview and have a little bit of a look and see without a policy number or anything. Do you receive correspondence from Clearview via email?\n\nChannel 1: No. No. Not at all.\n\nChannel 0: Okay.\n\nChannel 1: I'm\n\nChannel 0: Very\n\nChannel 1: just\n\nChannel 0: interest.\n\nChannel 1: gonna go yeah. So bloody interesting. Because that could be the money that's been taken out, and I had no idea it was even coming out. No. Clear.\n\nI'm just putting it into my email. Clearview. No. Never received an email from them.\n\nChannel 0: And when you're in host plus, when you see the withdrawal, does it say, like, a clear view\n\nChannel 1: No. It says no. It doesn't it it if it's the large amounts that I'm thinking of that's being taken out, the 953, it just says\n\nChannel 0: vault?\n\nChannel 1: withdrawal.\n\nChannel 0: Yeah.\n\nChannel 1: Doesn't even say who it's what what it's withdrawn to go to. Like, who's it going to?\n\nChannel 0: Okay. Because\n\nChannel 1: Then\n\nChannel 0: once\n\nChannel 1: but\n\nChannel 0: we get\n\nChannel 1: then in\n\nChannel 0: oh, sir.\n\nChannel 1: yes. Sorry. No. But then in February, I can see it states death insurance additional cover, income protection insurance premium, total permanent disability insurance premium. So I can see it all all of that coming out.\n\nBut, yeah, it doesn't say it just says withdrawal one March.\n\nChannel 0: Yeah. I'm not\n\nChannel 1: Yeah.\n\nChannel 0: too sure with that. Obviously, we need the third party. I can do a bit more digging there for you. And we can definitely follow that up and because I'm quite interested now as well. In terms of insurances there, you did sort of mention there that you weren't able to to get coverage.\n\nIs that correct from what you stated?\n\nChannel 1: No.\n\nChannel 0: Or\n\nChannel 1: I think I have Crohn's. So\n\nChannel 0: Yep.\n\nChannel 1: and I had mental health years and years and years ago, and I think\n\nChannel 0: Okay.\n\nChannel 1: changing to a new a new provider, I think they've basically naturally excluded that. Whereas, Host Plus, because I've been with them for so long, it made sense just to keep it going with them just in case anything happened.\n\nChannel 0: Yeah. So you are correct. I did sort of see the the Crohn's there. I didn't sort of know about the the mental health previously. But like you said, yeah, it would end up being some form of, like, exclusion.\n\nChannel 1: Yeah.\n\nChannel 0: But definitely\n\nChannel 1: Yep.\n\nChannel 0: for the mental health would be an exclusion. You sort of need to be ten years without symptoms, and sometimes they'll reevaluate. But the times depending on, like, the severity, things like that, like, people get it for just saying they're slightly stressed at work, you'll get a mental health exclusion. Following\n\nChannel 1: Yep.\n\nChannel 0: up, it is the most claimed on one. So\n\nChannel 1: Yeah.\n\nChannel 0: that's\n\nChannel 1: Of\n\nChannel 0: kinda\n\nChannel 1: course. Of course.\n\nChannel 0: Yeah. And then with the Crohn's, it sort of depends on the severity. It can go anywhere from, like, a loading to an exclusion to a decline\n\nChannel 1: Yep.\n\nChannel 0: based on the severity of the condition. Now with that with group cover over time, though, as well, it does decrease in terms of, like, the amount you're covered for because group cover, it's sort of like a bell curve. As you get older, the less cover they actually cover you for in terms of, like, the units.\n\nChannel 1: Yeah. Sure. Sure.\n\nChannel 0: So with that one there, obviously, with that decrease, I don't know the exact amount that you're currently covered for, obviously, because I can't see it in front of me here, but there's a good chance that it doesn't really cover your current debt and then sort of your income replacement if anything sorta happened from that. So you can look to do forms of, like, top up cover to\n\nChannel 1: Okay.\n\nChannel 0: have it in conjunction with the host plus. Now given that I can see that there was a payment based on the the research that was conducted sort of end or middle of last year that there was something to clear view, it implies me to believe that you do have some form of, like, other insurance that we sort of weren't too made aware of. But to be able to fully look into that there, I'd probably have to wait until the TPA is completed, and then we can give them a call, find out. And I can probably give you a callback and then have a bit more of a discussion because if we find out there's other insurances and things like that anyway, we do have to probably update your advice piece in addition to that rollover and then potentially, you know, looking if you do wanna look at, you know, top up cover and things like that based on what you're actually covered for, if that makes sense.\n\nChannel 1: Yeah. Yeah. Yeah. That'd be great. Yep.\n\nSounds good.\n\nChannel 0: Okay. Because just at the moment, like, I know you can access your host plus without us knowing what that payment for, what type of covers, and things like that. I can organize that form to go out for you, and I can even book in a time. Probably give us some time to be able to have that. Would, like, 2PM our time, so 3PM your time next week work in terms of, like, a a follow-up to try and get this TPA sorted and get the information\n\nChannel 1: Yeah.\n\nChannel 0: just to be yeah. Okay.\n\nChannel 1: Yeah. That's fine. Probably Wednesday. Well, what did you say? Thursday?\n\nChannel 0: Yes, sir. So I can look for I'm just not too sure how long it'll take to get the TPA back in there for them to accept it is all.\n\nChannel 1: Yeah. Of course.\n\nChannel 0: I can always do the week after on the the Wednesday.\n\nChannel 1: Yeah. Let's do let's do the week after, which is the April 1.\n\nChannel 0: Yep.\n\nChannel 1: Then it gives you a bit more time and then yeah. Because next Thursday is not looking great at the minute. So\n\nChannel 0: No. That's perfectly fine. And what time sort of works best for you there, Stacy?\n\nChannel 1: I can really do well, I can do any time on that Wednesday the first. You could name a time.\n\nChannel 0: Yeah. Because mine that day is actually enough quite free, so it could be, like,\n\nChannel 1: Yeah.\n\nChannel 0: towards the morning or afternoon, you know, depending on when you want me to bug you.\n\nChannel 1: Yeah. Well, let's let's do an afternoon again. Let's do, like, 04:00 in the afternoon.\n\nChannel 0: Not a problem at all. I'll chuck that in there.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. As I said, we'll send that TP off to to Clearview as well. And it just seems funny that it does say it on there, and you do see those payments coming out, those withdrawals. So I'll try and find that out for you and see where that's coming from and try and get ahold of Clearview in that time as well.\n\nChannel 1: Yeah. That'd be awesome. That'd be great.\n\nChannel 0: And then we can go from there. And as I said, like, yeah, we can have a discussion around that. There in regards to your portfolio too, there was a performing asset in that Benelon, which I know wasn't performing too crash hot since you've sort of held it. But given the events of sort of last year, they did have an underlying asset which was done for not reporting correctly. So a part of that as well, the business is trying to move away from that investment.\n\nIt's only about 10% of your portfolio, and your portfolio as a whole is still tracking quite well even considering the war that is\n\nChannel 1: Yep.\n\nChannel 0: occurring and everything like that.\n\nChannel 1: Yep.\n\nChannel 0: So over a twelve month period, you're still sitting over about 10% after fees return, which is still quite nice. Not to say,\n\nChannel 1: Yep.\n\nChannel 0: you know, with everything going on, it might continue to do a little bit of a skid downwards, but fingers\n\nChannel 1: Yes,\n\nChannel 0: crossed\n\nChannel 1: sir.\n\nChannel 0: that, you know, it finishes quickly. But with that, we'll probably look to either update just that asset itself or look to\n\nChannel 1: Yep.\n\nChannel 0: maybe just do a quick refresh. But I know you haven't been on board for too long, and your portfolio actually is tracking quite nicely otherwise. So we could\n\nChannel 1: Yeah.\n\nChannel 0: just look at replacing that one. But I can\n\nChannel 1: Yep.\n\nChannel 0: have a bit more of a conversation around that once we get all the the stuff together and put it all\n\nChannel 1: Yeah.\n\nChannel 0: in a nice\n\nChannel 1: No\n\nChannel 0: little\n\nChannel 1: problem.\n\nChannel 0: advice piece for you.\n\nChannel 1: Yeah. No problem. No problem.\n\nChannel 0: Yeah.\n\nChannel 1: That's\n\nChannel 0: Cool. Was\n\nChannel 1: easy.\n\nChannel 0: there anything else that you want to have a chat about there,\n\nChannel 1: The\n\nChannel 0: Stacy,\n\nChannel 1: only\n\nChannel 0: while\n\nChannel 1: the only one the the only question I had is my husband and I are looking at possibly purchasing an investment property.\n\nChannel 0: Yep.\n\nChannel 1: I just wanted to know briefly, like, you don't have to give me the full rundown, but how it works\n\nChannel 0: Yeah.\n\nChannel 1: buying one with super? Or is there do you have to have a certain amount in super before you say you buy one with super? How does that sort of work?\n\nChannel 0: There's no, like, definitive set amount that you need in super. In terms of, like, what sort of recommended, they say anything below sort of, like, what in the brackets of, like, that 3 to 500 sort of thousand\n\nChannel 1: Yep.\n\nChannel 0: mark in terms of, like, balances whether it's combined with a partner or not,\n\nChannel 1: Yep.\n\nChannel 0: the cost of, like, holding a self managed super, it can be quite taxing in terms of, like, you responsible for managing everything yourself as\n\nChannel 1: Yep.\n\nChannel 0: a trustee or having a corporate trustee. You\n\nChannel 1: Yep.\n\nChannel 0: have to do annualized tax returns, which do cost quite a bit. They can cost anywhere from, like, 3 to $7 to sort of set up.\n\nChannel 1: Oh, wow. Okay.\n\nChannel 0: You yeah. Just depending on how you set up your loans, the account that sets it up, things like that as well. I don't know if you obviously, we do some, like, self managed super advice as well. Given your balance, even if you did pair it with your husband, if\n\nChannel 1: Yep.\n\nChannel 0: you pulled it all together and say you did have, you know, like, 400,000 ish in superannuation and then you just go buy one property with a little bit of cash on the side, if that\n\nChannel 1: Yeah.\n\nChannel 0: property, you know, were to get damaged, something were to happen to that property, that's both your funds pulled into that one asset that that's all your retirement. And then you've got to start thinking as well about the serviceability of that and, like, a thirty\n\nChannel 1: Yeah.\n\nChannel 0: year loan. And when you sort of wanna start to looking at retiring as well, which is something you\n\nChannel 1: Yeah.\n\nChannel 0: gotta be mindful of,\n\nChannel 1: Yep.\n\nChannel 0: I doubt, you know, you wanna\n\nChannel 1: Yeah.\n\nChannel 0: be working, you know, up until the age of, you know, late seventies just to be able to, you know, potentially pay off\n\nChannel 1: Yeah.\n\nChannel 0: that, like, debt and then be able to start, you know, drawing an income from it, whether that's\n\nChannel 1: No.\n\nChannel 0: through\n\nChannel 1: That's fine. That\n\nChannel 0: yeah.\n\nChannel 1: my husband's my I was looking to see whether it would be beneficial to buy it on my own. My husband's got a very good super with the government where he\n\nChannel 0: Yep.\n\nChannel 1: he when he retire basically, he's worked it out that when he retires, he'll he'll be able to pay off the house and\n\nChannel 0: Yep.\n\nChannel 1: then have, like, a $120,000 salary until basically he dies. And then when he dies, I get 50% of that salary kind of thing. So his super is amazing.\n\nChannel 0: Yeah. Those government defined benefit funds are quite\n\nChannel 1: But\n\nChannel 0: nice.\n\nChannel 1: yeah. Yeah. So but it was just what do we do with mine, and we're looking at investment property at the moment. And we could we could service it, the two of us, but I'm like, while I'm talking to you, I'll ask how it actually works because I know I know people do do that. And but, yeah, I'm probably not not ready to do I'm probably better off to do it outside of my super.\n\nChannel 0: Yeah. That in the sense that, like, obviously, outside as well, you get the benefit of the tax deductions for the property as well.\n\nChannel 1: Yep.\n\nChannel 0: Also, if it's, like, negatively geared and things like that, there's something to be mindful with that. And then also interest on property purchase or investments in Australia\n\nChannel 1: Yep.\n\nChannel 0: is a 100% like a deduction at the moment\n\nChannel 1: Yep.\n\nChannel 0: until, like, obviously, they decide to change that. But that means that the interest payments that you are paying are a deduction in terms of, like, offsetting the the cost of having those as well versus, like, having it all in one super. You just you know, the cost of holding it for an SMSF can be quite expensive to run that each year, and then all the\n\nChannel 1: Yep.\n\nChannel 0: requirements are on you. And then all your superannuation's kinda tied up into that one asset,\n\nChannel 1: Yep.\n\nChannel 0: and you're responsible for for managing that as well to\n\nChannel 1: Yep.\n\nChannel 0: make sure\n\nChannel 1: That's,\n\nChannel 0: that everything's running smoothly.\n\nChannel 1: yep, that's fine. And the only other thing I wanted to know is, do you know what contributions we can make without tax free to super annually?\n\nChannel 0: It's not tax free. It's just concession. So\n\nChannel 1: Okay.\n\nChannel 0: the limit at the moment is 30,000. So\n\nChannel 1: Okay.\n\nChannel 0: you can do up to 30,000 concessionally with before you sort of get flat with additional taxes, and that's taxed at 15% as\n\nChannel 1: Speech\n\nChannel 0: opposed\n\nChannel 1: thing.\n\nChannel 0: to, like, your\n\nChannel 1: Save it.\n\nChannel 0: your instead of your marginal tax rate. And then you've\n\nChannel 1: Yeah.\n\nChannel 0: gotta be mindful that your employer contributions count towards that concessional cap. So based on your income and the 12% comp contribution, you're probably looking at you're putting around the 12,600 ish in the superannuation currently just through your employer. And if you started\n\nChannel 1: Okay.\n\nChannel 0: salary sacrificing, that also adds to that concessional cap. And then\n\nChannel 1: Okay.\n\nChannel 0: you can also just do after tax contribution to super, and that's capped at 120,000, and that forms part of your nontaxable portion of your superannuation. Or you can\n\nChannel 1: Sure.\n\nChannel 0: claim the notice of intent to convert it to concessional. And at tax time, you get a bit of a, like, a rebate somewhat to be able to give you back the tax that you've already paid on that money that would otherwise been taxed at 15% for a concessional contribution.\n\nChannel 1: Okay. So because we own a business, you see, so we are\n\nChannel 0: Yep.\n\nChannel 1: trying to work out, obviously, this the end of financial year, what how would it work if I put some more money over into super. So are you saying that at the moment so if I put in another 15,000, that that's probably about what the cap that I would be for the twelve months? If I like you said, 12,600 or whatever,\n\nChannel 0: Yeah.\n\nChannel 1: but I wouldn't go over that. Like, I wouldn't like, if I if I was set to put another 15,000 in before the end of financial year, I'm not gonna go over the the voluntary cap to be taxed more.\n\nChannel 0: No. No. You'd be well well under that. You'd probably have a couple grand still buffer. And then given that you probably haven't hit that 30,000 cap or the $27.05 of what it was previously for\n\nChannel 1: No.\n\nChannel 0: a number of\n\nChannel 1: Yep.\n\nChannel 0: years, you can actually go on my gov and check\n\nChannel 1: Okay.\n\nChannel 0: your carry forward contributions for that to see how much you've actually got from the five previous years that you can\n\nChannel 1: Yep.\n\nChannel 0: utilize as well. So if you did wanna put in more than that and not have to worry about it, if you do exceed it, it's using those carry forward concessional contributions that you haven't used in previous tax years, and it kinda works on the oldest to newest. So it would be like what year are we in now? 2026. So it'd be like from the 2021 to 2022 year you'd be utilizing.\n\nChannel 1: Okay. Great.\n\nChannel 0: And and then that would be part of that if you were to exceed that. Obviously, if you started hitting your account each year for 30,000 for the next five years or your carry forwards would be gone. It\n\nChannel 1: Yep.\n\nChannel 0: only counts for years that, like, you don't use. And then as soon as you start hitting that cap, they start expiring from the oldest moving forward up into the point you've obviously, you know, don't have any more left.\n\nChannel 1: Yep. That's great. Now how if I was to do that, how do I go about putting extra in? Like, if I was to do a lump sum payment like that before the end of financial year, is there like, how do I go about doing that with you guys?\n\nChannel 0: Yep. So all you need is your contribution details for hub twenty four, and you can just put it in nonconcessionally. It's a lump sum payment.\n\nChannel 1: Yep.\n\nChannel 0: And then from that there, you can claim a notice of intent. So you don't wanna leave it right up to the last minute because the funds have to be able to go into the fund first, and then you claim that notice of intent once those funds have cleared to make them a concessional contribution. And then from there, you just do it in your tax return to be able to get the benefit of that\n\nChannel 1: Okay. Okay.\n\nChannel 0: with\n\nChannel 1: Okay.\n\nChannel 0: your, I'm assuming, your accountant.\n\nChannel 1: Yeah.\n\nChannel 0: You can also ask your accountant as well, given that it's your company, and if you can do it through SuperStream or if it's better off just doing those after tax contributions\n\nChannel 1: Yep.\n\nChannel 0: there as well\n\nChannel 1: Yeah.\n\nChannel 0: just as\n\nChannel 1: Okay.\n\nChannel 0: a lump sum\n\nChannel 1: Okay.\n\nChannel 0: payment.\n\nChannel 1: So because that was what I thought we could always take it out as what what's the best way of taking it out? So that's probably a question for him, whether we do it through, like, our payroll through SuperStream or whether we do it through just as a voluntary contribution where I just, you know, deposit the funds. So\n\nChannel 0: And have to claim the notice of intent. Yeah. And given\n\nChannel 1: yeah.\n\nChannel 0: that he's the one that will probably be dealing with the notice of intent anyway, given that you're running your business through your account, whatever\n\nChannel 1: Yeah.\n\nChannel 0: way probably works best for him is probably the way\n\nChannel 1: Yeah.\n\nChannel 0: he'll he'll choose anyway. He's obviously\n\nChannel 1: Yeah. Okay.\n\nChannel 0: working with the accounting side. If it goes in through SuperStream, it's automatically a concessional contribution. You don't have to worry about the notice intent and things like that as well. It just\n\nChannel 1: Yep.\n\nChannel 0: depends on the tax legislation for, you know, lump sums to to super through business\n\nChannel 1: Yep.\n\nChannel 0: employment.\n\nChannel 1: Perfect.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Which\n\nChannel 1: Great. Great. Great.\n\nChannel 0: a little bit out of my wheel, that\n\nChannel 1: Yeah.\n\nChannel 0: one.\n\nChannel 1: No. No. Actually, look, it's completely out of mind. So, you know, I just I just, you know, I just don't wanna leave it. We probably should have done it last year.\n\nWe obviously, through through having the business and stuff and and the kind of work that I do, we had a bit of a a loss that we were carrying. So it was okay. It was okay. But but then last year I think last year was our last year of loss. So anything\n\nChannel 0: Yep. Yep.\n\nChannel 1: we make now, we're gonna be taxed on. So I'm like, well, I just wanna reduce it as much as I can so I don't need to pay, you know, give the tax man more money and what's a way of doing it and suit is a way of doing it. So that's that was my my thought.\n\nChannel 0: Yeah. And given that, obviously, work it with your account to what's obviously within the tax legislation laws that isn't tax evasion, you do have those carry forward concessional amounts as well that you can utilize depending\n\nChannel 1: Yeah.\n\nChannel 0: on how much you do wanna put in. Obviously, you know, we can put those sort of things into, advice and putting money into and utilizing those, but, obviously, you know, it is an accountant's wheelhouse as well and how to structure that, the\n\nChannel 1: Yep.\n\nChannel 0: best one. And it's probably a little bit more simpler than waiting a couple weeks for me to tell you just the amounts on your account. It's got your books right there and everything,\n\nChannel 1: Yeah.\n\nChannel 0: and there's\n\nChannel 1: Yeah.\n\nChannel 0: a better way to chuck\n\nChannel 1: Oh, I\n\nChannel 0: it\n\nChannel 1: don't\n\nChannel 0: in.\n\nChannel 1: know. He he's not real fast at things. Let me tell you. So we're still waiting for him to do our tax we we've we've actually got a loan rep we're we're waiting for a loan ready to go for an investment property, but we're waiting for our last lot of financials to be done. So he's just very\n\nChannel 0: Okay.\n\nChannel 1: slow. But my husband said he doesn't charge us at the fortune, so, you know, we can't push him. And I'm like, oh, out. Surely. It drives me mad.\n\nBut anyway anyway, that's a separate issue. But,\n\nChannel 0: No problem.\n\nChannel 1: yeah, no. All good. That's that's probably all I really need to know apart from, obviously, what do I do, what's happened with this insurance, and then, you know, no doubt that if I do make a voluntary contribution, then you guys will just disperse it how you see fit, and the same goes with the money that comes back over from host plus. Whatever amount is taken over from host plus to you, you'll just disperse it as you see fit.\n\nChannel 0: It will be per your original statement of advice. So I can't actually change any of your underlying investments unless we go to it advice, unless you're, like, in a separately\n\nChannel 1: Okay.\n\nChannel 0: managed account.\n\nChannel 1: Okay.\n\nChannel 0: So that's why I was talking in terms of those updates. I can't just go in and change that and be like, this is something we're moving away from. We're gonna just change it. I have to\n\nChannel 1: Yeah.\n\nChannel 0: provide some form of record of advice or statement\n\nChannel 1: Yeah.\n\nChannel 0: of advice to that change, and then\n\nChannel 1: Yeah.\n\nChannel 0: everything that goes into that fund price or after that fact goes per the original SOA or any changes that have made through those advice documents and not just us going around and playing in the background.\n\nChannel 1: Yep. Yep. No. That's fine. That's fine.\n\nThat's great.\n\nChannel 0: Not a problem at all there,\n\nChannel 1: Excellent.\n\nChannel 0: Stacy. Well, I'll get that form sorted, and then hopefully, we get all the answers we need, and then we can have a bit more of an in-depth conversation around what you wanna do insurance wise there as well in the next sort of coming week. And,\n\nChannel 1: Yep.\n\nChannel 0: yeah, we can look at doing that that rollover and getting that sorted for you as well.\n\nChannel 1: Yeah. That's fantastic. Great. Appreciate\n\nChannel 0: No problem,\n\nChannel 1: it.\n\nChannel 0: sir. Sorry. I couldn't sort of help you much more\n\nChannel 1: No.\n\nChannel 0: today.\n\nChannel 1: That's that's fine. That's exactly that's that's all I need. No. That's fine. No problems.\n\nAnd, yeah, you so you'll send the form. Do you send that electronically? Or\n\nChannel 0: I\n\nChannel 1: is\n\nChannel 0: just\n\nChannel 1: that\n\nChannel 0: gotta double check-in regards\n\nChannel 1: yeah.\n\nChannel 0: to that if the two funds that we're looking to accept electronic signatures for that. Otherwise, do you have access to a printer if we were to\n\nChannel 1: I\n\nChannel 0: email\n\nChannel 1: do. Yeah.\n\nChannel 0: it to you?\n\nChannel 1: Yeah. Yeah. Of course.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: I'll I'll just throw it in the email. Otherwise, we'll get to my colleague too, and then we can just go from there. You can just sign that and send it back, and we'll send those off to the the funds there as well.\n\nChannel 1: Yep. Sounds great.\n\nChannel 0: Perfect. I'll get them to get on to that this afternoon so the quicker the the better so we have some time for the insurers fund and superannuation fund to get back to us because normally they're a bit slow as well.\n\nChannel 1: Yeah. No. I appreciate that. That's great.\n\nChannel 0: Not a\n\nChannel 1: Excellent.\n\nChannel 0: problem at all,\n\nChannel 1: Well,\n\nChannel 0: Stacy.\n\nChannel 1: thank you\n\nChannel 0: Well,\n\nChannel 1: very much.\n\nChannel 0: no problem. You enjoy the rest of your afternoon, and we'll speak\n\nChannel 1: Will\n\nChannel 0: shortly\n\nChannel 1: do.\n\nChannel 0: there.\n\nChannel 1: Sounds good. Thank you.\n\nChannel 0: Perfect. Thanks. Bye now.\n\nChannel 1: See you. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.88,"end":1.36,"sentiment":"neutral","sentiment_score":0.04074110463261604},{"text":"Stacy speaking.","start":1.36,"end":2.26,"sentiment":"neutral","sentiment_score":0.052908316254615784}],"sentiment":"neutral","sentiment_score":0.04885257904728254,"channel":1,"num_words":3,"start":0.88,"end":2.26},{"sentences":[{"text":"Good afternoon, Stacy.","start":2.6399999,"end":3.6,"sentiment":"positive","sentiment_score":0.3785983423391978},{"text":"It's Carl calling from Oakview Financial.","start":3.6,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.2199631854891777},{"text":"How are you?","start":5.2799997,"end":6.02,"sentiment":"neutral","sentiment_score":0.20101899902025858}],"sentiment":"neutral","sentiment_score":0.25488592808445293,"channel":0,"num_words":12,"start":2.6399999,"end":6.02},{"sentences":[{"text":"I'm good.","start":5.92,"end":6.56,"sentiment":"positive","sentiment_score":0.39461418986320496},{"text":"How are you?","start":6.56,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.23494532207647958}],"sentiment":"neutral","sentiment_score":0.2988128691911697,"channel":1,"num_words":5,"start":5.92,"end":7.3799996},{"sentences":[{"text":"Yeah.","start":7.6,"end":7.9199996,"sentiment":"neutral","sentiment_score":0.17921066284179688},{"text":"Not too bad at all.","start":7.9199996,"end":8.639999,"sentiment":"neutral","sentiment_score":0.20708819925785066},{"text":"Thanks for asking.","start":8.639999,"end":9.5199995,"sentiment":"positive","sentiment_score":0.5314411918322245},{"text":"I had you scheduled in to to go out for a bit of a catch up.","start":9.5199995,"end":12.48,"sentiment":"neutral","sentiment_score":0.1721217017620802},{"text":"Is now still a good time 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great.","start":14.305,"end":15.185,"sentiment":"positive","sentiment_score":0.49373599886894226},{"text":"Yes.","start":15.185,"end":15.505,"sentiment":"positive","sentiment_score":0.509932816028595},{"text":"That's fantastic.","start":15.505,"end":16.325,"sentiment":"positive","sentiment_score":0.725314736366272},{"text":"Thank you.","start":16.465,"end":17.205,"sentiment":"positive","sentiment_score":0.6163208186626434}],"sentiment":"positive","sentiment_score":0.5460052523348067,"channel":1,"num_words":9,"start":13.985001,"end":17.205},{"sentences":[{"text":"Not a problem at all.","start":17.555,"end":18.515,"sentiment":"neutral","sentiment_score":0.16764671802520753},{"text":"If I could just pass you through security first, we can get stuck into 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03/31/1980.","start":28.82,"end":32.52,"sentiment":"neutral","sentiment_score":0.015531826143463453}],"sentiment":"neutral","sentiment_score":0.014911146834492683,"channel":1,"num_words":7,"start":28.26,"end":32.52},{"sentences":[{"text":"Perfect.","start":33.829998,"end":34.23,"sentiment":"neutral","sentiment_score":0.22039687633514404},{"text":"And then just your your current address there.","start":34.23,"end":35.989998,"sentiment":"neutral","sentiment_score":0.06514099007472396},{"text":"Thanks for me.","start":35.989998,"end":36.809998,"sentiment":"neutral","sentiment_score":0.1925598680973053}],"sentiment":"neutral","sentiment_score":0.10993370010207097,"channel":0,"num_words":12,"start":33.829998,"end":36.809998},{"sentences":[{"text":"It's 2 Slash 16 Harrah Road, Harrah.","start":36.9,"end":39.56,"sentiment":"neutral","sentiment_score":0.06199044095618384}],"sentiment":"neutral","sentiment_score":0.06199044095618384,"channel":1,"num_words":7,"start":36.9,"end":39.56},{"sentences":[{"text":"Perfect.","start":41.525,"end":41.925,"sentiment":"positive","sentiment_score":0.4139677882194519},{"text":"Thank you for that one.","start":41.925,"end":43.145,"sentiment":"positive","sentiment_score":0.4913782477378845}],"sentiment":"positive","sentiment_score":0.47847650448481244,"channel":0,"num_words":6,"start":41.525,"end":43.145},{"sentences":[{"text":"That's okay.","start":43.38,"end":44.335003,"sentiment":"neutral","sentiment_score":0.1936163753271103}],"sentiment":"neutral","sentiment_score":0.1936163753271103,"channel":1,"num_words":2,"start":43.38,"end":44.335003},{"sentences":[{"text":"Now as I said, I've got you scheduled in there just for the interview follow-up from when you spoke to my colleague, Samantha.","start":43.925,"end":51.765,"sentiment":"neutral","sentiment_score":0.021014669181212135},{"text":"So I'm one of the","start":51.765,"end":52.405,"sentiment":"neutral","sentiment_score":0.01861252561211586}],"sentiment":"neutral","sentiment_score":0.020585714972444942,"channel":0,"num_words":28,"start":43.925,"end":52.405},{"sentences":[{"text":"Yes.","start":52.395,"end":52.895,"sentiment":"neutral","sentiment_score":0.025562364608049393}],"sentiment":"neutral","sentiment_score":0.025562364608049393,"channel":1,"num_words":1,"start":52.395,"end":52.895},{"sentences":[{"text":"financial advisers here, and I believe it was just in regards to your retained fund with host plus potentially doing","start":52.405,"end":58.18,"sentiment":"neutral","sentiment_score":0.006110950373113155}],"sentiment":"neutral","sentiment_score":0.006110950373113155,"channel":0,"num_words":20,"start":52.405,"end":58.18},{"sentences":[{"text":"Yeah.","start":58.075,"end":58.575,"sentiment":"neutral","sentiment_score":-0.005167481489479542}],"sentiment":"neutral","sentiment_score":-0.005167481489479542,"channel":1,"num_words":1,"start":58.075,"end":58.575},{"sentences":[{"text":"a rollover.","start":58.18,"end":58.84,"sentiment":"neutral","sentiment_score":-0.008961705199908465}],"sentiment":"neutral","sentiment_score":-0.008961705199908465,"channel":0,"num_words":2,"start":58.18,"end":58.84},{"sentences":[{"text":"Yeah.","start":59.09,"end":59.41,"sentiment":"neutral","sentiment_score":-0.006816033273935318},{"text":"I think so.","start":59.41,"end":60.21,"sentiment":"neutral","sentiment_score":-0.018442507833242416},{"text":"So about about a month ago, I actually got a message to say my son something from Hostplus to say something that indicated that there had been funds moved unless it was spam or something.","start":60.21,"end":77.354996,"sentiment":"neutral","sentiment_score":-0.06230306407170636},{"text":"I'm just gonna put you on and have a look","start":77.354996,"end":79.595,"sentiment":"neutral","sentiment_score":-0.008541059773415327}],"sentiment":"neutral","sentiment_score":-0.04751349789831711,"channel":1,"num_words":49,"start":59.09,"end":79.595},{"sentences":[{"text":"Yeah.","start":79.475,"end":79.975,"sentiment":"neutral","sentiment_score":-0.033880576491355896}],"sentiment":"neutral","sentiment_score":-0.033880576491355896,"channel":0,"num_words":1,"start":79.475,"end":79.975},{"sentences":[{"text":"at what it actually said.","start":79.595,"end":81.055,"sentiment":"neutral","sentiment_score":-0.049339987337589264},{"text":"And I thought maybe you guys had done it then, but, obviously let me go host plus.","start":81.595,"end":86.97,"sentiment":"neutral","sentiment_score":-0.06446174006251727},{"text":"Okay.","start":88.41,"end":88.81,"sentiment":"neutral","sentiment_score":-0.06429466605186462},{"text":"I don't know where I got it, the email.","start":88.81,"end":90.83,"sentiment":"neutral","sentiment_score":-0.08012254618936115},{"text":"Actually, I'll just log in to my host plus quickly because so since we've since I've sort of started doing things through you guys,","start":91.770004,"end":99.87,"sentiment":"neutral","sentiment_score":-0.048482090389976897}],"sentiment":"neutral","sentiment_score":-0.05877709408689823,"channel":1,"num_words":56,"start":79.595,"end":99.87},{"sentences":[{"text":"Yep.","start":100.625,"end":101.125,"sentiment":"neutral","sentiment_score":-0.05028706043958664}],"sentiment":"neutral","sentiment_score":-0.05028706043958664,"channel":0,"num_words":1,"start":100.625,"end":101.125},{"sentences":[{"text":"because of the insurance, the I can't get insurance with the new super fund.","start":100.675,"end":109.494995,"sentiment":"neutral","sentiment_score":-0.18815128292356217},{"text":"So I've kept everything I've kept a large portion still with Hostplus.","start":109.795,"end":115.415,"sentiment":"neutral","sentiment_score":-0.06915449878821771}],"sentiment":"neutral","sentiment_score":-0.13322969024571088,"channel":1,"num_words":26,"start":100.675,"end":115.415},{"sentences":[{"text":"Yep.","start":116.16,"end":116.66,"sentiment":"neutral","sentiment_score":0.004737740382552147}],"sentiment":"neutral","sentiment_score":0.004737740382552147,"channel":0,"num_words":1,"start":116.16,"end":116.66},{"sentences":[{"text":"So at the moment, my balance in Hostplus is 46,200.","start":117.0,"end":121.240005,"sentiment":"neutral","sentiment_score":-0.019118974544107915},{"text":"So, basically, I just wanna know I wanna move whatever I can from that over to you guys 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he's not real fast at things.","start":1294.455,"end":1296.215,"sentiment":"neutral","sentiment_score":-0.3249240091868809},{"text":"Let me tell you.","start":1296.215,"end":1297.195,"sentiment":"neutral","sentiment_score":-0.09132375568151474},{"text":"So we're still waiting for him to do our tax we we've we've actually got a loan rep we're we're waiting for a loan ready to go for an investment property, but we're waiting for our last lot of financials to be done.","start":1297.655,"end":1307.575,"sentiment":"neutral","sentiment_score":-0.05451418894213126},{"text":"So he's just very","start":1307.575,"end":1308.455,"sentiment":"neutral","sentiment_score":-0.08104595076292753}],"sentiment":"neutral","sentiment_score":-0.09349537458886409,"channel":1,"num_words":59,"start":1294.215,"end":1308.455},{"sentences":[{"text":"Okay.","start":1308.245,"end":1308.745,"sentiment":"neutral","sentiment_score":-0.1828828901052475}],"sentiment":"neutral","sentiment_score":-0.1828828901052475,"channel":0,"num_words":1,"start":1308.245,"end":1308.745},{"sentences":[{"text":"slow.","start":1308.455,"end":1308.955,"sentiment":"neutral","sentiment_score":-0.291756808757782},{"text":"But my husband said he doesn't charge us at the fortune, so, you know, we can't push him.","start":1309.05,"end":1313.93,"sentiment":"neutral","sentiment_score":-0.2732013447417153},{"text":"And I'm like, oh, 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in-depth conversation around what you wanna do insurance wise there as well in the next sort of coming week.","start":1386.5599,"end":1398.645,"sentiment":"neutral","sentiment_score":0.196465289261606},{"text":"And,","start":1398.785,"end":1399.105,"sentiment":"neutral","sentiment_score":0.11037100851535796}],"sentiment":"neutral","sentiment_score":0.19782244905512383,"channel":0,"num_words":47,"start":1385.6799,"end":1399.105},{"sentences":[{"text":"Yep.","start":1398.88,"end":1399.38,"sentiment":"neutral","sentiment_score":0.11240026354789734}],"sentiment":"neutral","sentiment_score":0.11240026354789734,"channel":1,"num_words":1,"start":1398.88,"end":1399.38},{"sentences":[{"text":"yeah, we can look at doing that that rollover and getting that sorted for you as 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time for the insurers fund and superannuation fund to get back to us because normally they're a bit slow as well.","start":1445.04,"end":1455.675,"sentiment":"neutral","sentiment_score":0.3324204465238059}],"sentiment":"positive","sentiment_score":0.34199834295681547,"channel":0,"num_words":42,"start":1444.72,"end":1455.675},{"sentences":[{"text":"Yeah.","start":1455.7251,"end":1456.045,"sentiment":"neutral","sentiment_score":0.1704103648662567},{"text":"No.","start":1456.045,"end":1456.285,"sentiment":"neutral","sentiment_score":0.04381468892097473},{"text":"I appreciate that.","start":1456.285,"end":1457.165,"sentiment":"positive","sentiment_score":0.45888447761535645},{"text":"That's great.","start":1457.165,"end":1457.905,"sentiment":"positive","sentiment_score":0.6826616823673248}],"sentiment":"positive","sentiment_score":0.42231455019542147,"channel":1,"num_words":7,"start":1455.7251,"end":1457.905},{"sentences":[{"text":"Not a","start":1459.095,"end":1459.255,"sentiment":"neutral","sentiment_score":0.08964040875434875}],"sentiment":"neutral","sentiment_score":0.08964040875434875,"channel":0,"num_words":2,"start":1459.095,"end":1459.255},{"sentences":[{"text":"Excellent.","start":1459.245,"end":1459.745,"sentiment":"neutral","sentiment_score":0.2482246458530426}],"sentiment":"neutral","sentiment_score":0.2482246458530426,"channel":1,"num_words":1,"start":1459.245,"end":1459.745},{"sentences":[{"text":"problem at all,","start":1459.255,"end":1459.815,"sentiment":"neutral","sentiment_score":0.12350417176882426}],"sentiment":"neutral","sentiment_score":0.12350417176882426,"channel":0,"num_words":3,"start":1459.255,"end":1459.815},{"sentences":[{"text":"Well,","start":1459.805,"end":1459.9651,"sentiment":"neutral","sentiment_score":0.31888365745544434}],"sentiment":"neutral","sentiment_score":0.31888365745544434,"channel":1,"num_words":1,"start":1459.805,"end":1459.9651},{"sentences":[{"text":"Stacy.","start":1459.815,"end":1460.295,"sentiment":"neutral","sentiment_score":0.2863297462463379}],"sentiment":"neutral","sentiment_score":0.2863297462463379,"channel":0,"num_words":1,"start":1459.815,"end":1460.295},{"sentences":[{"text":"thank you","start":1459.9651,"end":1460.365,"sentiment":"positive","sentiment_score":0.5611568093299866}],"sentiment":"positive","sentiment_score":0.5611568093299866,"channel":1,"num_words":2,"start":1459.9651,"end":1460.365},{"sentences":[{"text":"Well,","start":1460.295,"end":1460.795,"sentiment":"positive","sentiment_score":0.5040457248687744}],"sentiment":"positive","sentiment_score":0.5040457248687744,"channel":0,"num_words":1,"start":1460.295,"end":1460.795},{"sentences":[{"text":"very much.","start":1460.365,"end":1461.1051,"sentiment":"positive","sentiment_score":0.6411973237991333}],"sentiment":"positive","sentiment_score":0.6411973237991333,"channel":1,"num_words":2,"start":1460.365,"end":1461.1051},{"sentences":[{"text":"no problem.","start":1461.335,"end":1461.815,"sentiment":"positive","sentiment_score":0.5106142610311508},{"text":"You enjoy the rest of your afternoon, and we'll speak","start":1461.815,"end":1463.815,"sentiment":"positive","sentiment_score":0.5856057792901993}],"sentiment":"positive","sentiment_score":0.5731071929136912,"channel":0,"num_words":12,"start":1461.335,"end":1463.815},{"sentences":[{"text":"Will","start":1463.5651,"end":1463.885,"sentiment":"neutral","sentiment_score":0.2457772195339203}],"sentiment":"neutral","sentiment_score":0.2457772195339203,"channel":1,"num_words":1,"start":1463.5651,"end":1463.885},{"sentences":[{"text":"shortly","start":1463.815,"end":1464.215,"sentiment":"neutral","sentiment_score":0.24547456204891205}],"sentiment":"neutral","sentiment_score":0.24547456204891205,"channel":0,"num_words":1,"start":1463.815,"end":1464.215},{"sentences":[{"text":"do.","start":1463.885,"end":1464.2549,"sentiment":"neutral","sentiment_score":0.21097567677497864}],"sentiment":"neutral","sentiment_score":0.21097567677497864,"channel":1,"num_words":1,"start":1463.885,"end":1464.2549},{"sentences":[{"text":"there.","start":1464.215,"end":1464.715,"sentiment":"neutral","sentiment_score":0.23227038979530337}],"sentiment":"neutral","sentiment_score":0.23227038979530337,"channel":0,"num_words":1,"start":1464.215,"end":1464.715},{"sentences":[{"text":"Sounds good.","start":1464.9749,"end":1465.7949,"sentiment":"positive","sentiment_score":0.6612219214439392},{"text":"Thank you.","start":1465.8549,"end":1466.5948,"sentiment":"positive","sentiment_score":0.6556290090084076}],"sentiment":"positive","sentiment_score":0.6584254652261734,"channel":1,"num_words":4,"start":1464.9749,"end":1466.5948},{"sentences":[{"text":"Perfect.","start":1466.535,"end":1467.015,"sentiment":"positive","sentiment_score":0.6452018618583679},{"text":"Thanks.","start":1467.015,"end":1467.415,"sentiment":"positive","sentiment_score":0.5999472141265869},{"text":"Bye now.","start":1467.415,"end":1468.075,"sentiment":"positive","sentiment_score":0.3786526322364807}],"sentiment":"positive","sentiment_score":0.5006135851144791,"channel":0,"num_words":4,"start":1466.535,"end":1468.075},{"sentences":[{"text":"See you.","start":1467.7749,"end":1468.2549,"sentiment":"positive","sentiment_score":0.36082346737384796},{"text":"Bye.","start":1468.2549,"end":1468.7549,"sentiment":"neutral","sentiment_score":-0.10599126666784286}],"sentiment":"neutral","sentiment_score":0.20521855602661768,"channel":1,"num_words":3,"start":1467.7749,"end":1468.7549}]},"summary":{"result":"success","short":"A financial adviser from Oakview Financial, Stacy, speaks with Stacy Daley about her retained fund with host plus potentially doing a rollover. Stacy explains that she had a message from Hostplus to say that there had been funds moved, but she doesn't know why. Stacy has a payment of $953 and needs to update her insurance policy to maintain visibility on her host plus. The agent offers to send a form to Stacy and follow up on the TPA process. They discuss potential investment property and managing an asset. The agent emphasizes the importance of managing the asset and paying taxes for it. They also discuss transferring funds from an account to a voluntary contribution and the process for transferring funds to a voluntary contribution."},"intents":{"segments":[{"text":"I had you scheduled in to to go out for a bit of a catch up. Is now still a good time for Yeah. you?","start_word":29,"end_word":53,"intents":[{"intent":"Schedule a catch-up","confidence_score":0.005748488}]},{"text":"In terms of insurances there, you did sort of mention there that you weren't able to to get coverage. Is that correct from what you stated?","start_word":1027,"end_word":1052,"intents":[{"intent":"Request clarification on insurance coverage","confidence_score":0.024320563}]},{"text":"But to be able to fully look into that there, I'd probably have to wait until the TPA is completed, and then we can give them a call, find out.","start_word":1457,"end_word":1486,"intents":[{"intent":"Schedule call with adviser","confidence_score":0.10638025}]},{"text":"There in regards to your portfolio too, there was a performing asset in that Benelon, which I know wasn't performing too crash hot since you've sort of held it. But given the events of sort of last year, they did have an underlying asset which was done for not reporting correctly. So a part of that as well, the business is trying to move away from that investment.","start_word":1940,"end_word":2007,"intents":[{"intent":"Discuss portfolio issues","confidence_score":0.023962846}]},{"text":"Or is there do you have to have a certain amount in super before you say you buy one with super? How does that sort of work?","start_word":2255,"end_word":2281,"intents":[{"intent":"Discuss super planning","confidence_score":0.0009865008},{"intent":"Understand super requirements","confidence_score":0.01484772}]},{"text":"the cost of, like, holding a self managed super, it can be quite taxing in terms of, like, you responsible for managing everything yourself as Yep. a trustee or having a corporate trustee. You Yep.","start_word":2337,"end_word":2371,"intents":[{"intent":"Explain tax implications","confidence_score":0.003060249}]},{"text":"And then you've got to start thinking as well about the serviceability of that and, like, a thirty Yeah. year loan.","start_word":2518,"end_word":2538,"intents":[{"intent":"Inquire about serviceability","confidence_score":0.000738628}]},{"text":"And when you sort of wanna start to looking at retiring as well, which is something you Yeah.","start_word":2539,"end_word":2556,"intents":[{"intent":"Discuss retirement planning","confidence_score":0.08594022}]},{"text":"gotta be mindful of, Yep. I doubt, you know, you wanna Yeah.","start_word":2557,"end_word":2568,"intents":[{"intent":"Express concerns about yep","confidence_score":0.000016865177}]},{"text":"my husband's my I was looking to see whether it would be beneficial to buy it on my own.","start_word":2617,"end_word":2635,"intents":[{"intent":"Assess investment options","confidence_score":0.00039875484}]},{"text":"Now how if I was to do that, how do I go about putting extra in? Like, if I was to do a lump sum payment like that before the end of financial year, is there like, how do I go about doing that with you guys? Yep.","start_word":3532,"end_word":3579,"intents":[{"intent":"Inquire about lump sum payment","confidence_score":0.002018738}]},{"text":"depends on the tax legislation for, you know, lump sums to to super through business Yep. employment.","start_word":3889,"end_word":3905,"intents":[{"intent":"Clarify tax obligations","confidence_score":0.00002580465}]},{"text":"we make now, we're gonna be taxed on. So I'm like, well, I just wanna reduce it as much as I can so I don't need to pay, you know, give the tax man more money and what's a way of doing it and suit is a way of doing it. So that's that was my my thought. Yeah.","start_word":4011,"end_word":4069,"intents":[{"intent":"Reduce taxes","confidence_score":0.05639503}]},{"text":"And given that, obviously, work it with your account to what's obviously within the tax legislation laws that isn't tax evasion, you do have those carry forward concessional amounts as well that you can utilize depending Yeah.","start_word":4070,"end_word":4106,"intents":[{"intent":"Understand bank process","confidence_score":0.00007195963}]},{"text":"on how much you do wanna put in. Obviously, you know, we can put those sort of things into, advice and putting money into and utilizing those, but, obviously, you know, it is an accountant's wheelhouse as well and how to structure that, the Yep. best one.","start_word":4107,"end_word":4153,"intents":[{"intent":"Provide guidance","confidence_score":0.0033692934}]},{"text":"Obviously, you know, we can put those sort of things into, advice and putting money into and utilizing those, but, obviously, you know, it is an accountant's wheelhouse as well and how to structure that, the Yep. best one.","start_word":4115,"end_word":4153,"intents":[{"intent":"Structure tax documents","confidence_score":0.0034832144},{"intent":"Provide loan advice","confidence_score":0.004168168}]},{"text":"So we're still waiting for him to do our tax we we've we've actually got a loan rep we're we're waiting for a loan ready to go for an investment property, but we're waiting for our last lot of financials to be done.","start_word":4212,"end_word":4254,"intents":[{"intent":"Obtain loan","confidence_score":0.035487805}]},{"text":"But my husband said he doesn't charge us at the fortune, so, you know, we can't push him. And I'm like, oh, out. Surely. It drives me mad. But anyway anyway, that's a separate issue. But, No problem.","start_word":4261,"end_word":4298,"intents":[{"intent":"Address customer concerns","confidence_score":0.0005141015}]},{"text":"yeah, no. All good.","start_word":4299,"end_word":4302,"intents":[{"intent":"Express gratitude","confidence_score":0.16723135}]},{"text":"That's that's probably all I really need to know apart from, obviously, what do I do, what's happened with this insurance, and then, you know, no doubt that if I do make a voluntary contribution, then you guys will just disperse it how you see fit, and the same goes with the money that comes back over from host plus.","start_word":4304,"end_word":4363,"intents":[{"intent":"Discuss insurance","confidence_score":0.05407445}]},{"text":"So I can't actually change any of your underlying investments unless we go to it advice, unless you're, like, in a separately Okay. managed account. Okay. So that's why I was talking in terms of those updates. I can't just go in and change that and be like, this is something we're moving away from. We're gonna just change it. I have to Yeah.","start_word":4390,"end_word":4453,"intents":[{"intent":"Identify potential issues","confidence_score":0.00008284803}]},{"text":"provide some form of record of advice or statement Yeah. of advice to that change, and then Yeah. everything that goes into that fund price or after that fact goes per the original SOA or any changes that have made through those advice documents and not just us going around and playing in the background. Yep.","start_word":4454,"end_word":4509,"intents":[{"intent":"Provide advice","confidence_score":0.43589085}]},{"text":"Not a problem at all there, Excellent. Stacy. Well, I'll get that form sorted, and then hopefully, we get all the answers we need, and then we can have a bit more of an in-depth conversation around what you wanna do insurance wise there as well in the next sort of coming week. And, Yep.","start_word":4518,"end_word":4572,"intents":[{"intent":"Confirm response","confidence_score":0.00012101143}]},{"text":"Well, I'll get that form sorted, and then hopefully, we get all the answers we need, and then we can have a bit more of an in-depth conversation around what you wanna do insurance wise there as well in the next sort of coming week. And, Yep.","start_word":4526,"end_word":4572,"intents":[{"intent":"Decide on insurance","confidence_score":0.000041268308}]},{"text":"And, yeah, you so you'll send the form. Do you send that electronically? Or I is just that gotta double check-in regards yeah. to that if the two funds that we're looking to accept electronic signatures for that.","start_word":4625,"end_word":4662,"intents":[{"intent":"Send form","confidence_score":0.11392561}]},{"text":"Or I is just that gotta double check-in regards yeah. to that if the two funds that we're looking to accept electronic signatures for that.","start_word":4638,"end_word":4662,"intents":[{"intent":"Accept electronic signatures","confidence_score":0.3246425}]}]},"sentiments":{"segments":[{"text":"Hello. Stacy speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.048852577805519104},{"text":"Good afternoon, Stacy.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.3908919095993042},{"text":"It's Carl calling from Oakview Financial. How are you?","start_word":6,"end_word":14,"sentiment":"neutral","sentiment_score":0.22626550495624545},{"text":"I'm good.","start_word":15,"end_word":16,"sentiment":"positive","sentiment_score":0.3945927321910858},{"text":"How are you? Yeah. Not too bad at all.","start_word":17,"end_word":25,"sentiment":"neutral","sentiment_score":0.2221718430519104},{"text":"Thanks for asking.","start_word":26,"end_word":28,"sentiment":"positive","sentiment_score":0.5206587910652161},{"text":"I had you scheduled in to to go out for a bit of a catch up. Is now still a good time for Yeah. you? Yeah.","start_word":29,"end_word":54,"sentiment":"neutral","sentiment_score":0.16443222761154175},{"text":"That'd be great. Yes. That's fantastic. Thank you.","start_word":55,"end_word":62,"sentiment":"positive","sentiment_score":0.5865596532821655},{"text":"Not a problem at all. If I could just pass you through security first, we can get stuck into that Yeah. one today. The Go Stacy, yeah. is that Go name, for date it. of birth? Brilliant. Just Yes. name, date That's of birth. Sorry. yes. I mean, you keep cutting That's off. alright. So it's Stacy Daley and 03/31/1980. Perfect. And then just your your current address there. Thanks for me. It's 2 Slash 16 Harrah Road, Harrah.","start_word":63,"end_word":141,"sentiment":"neutral","sentiment_score":0.04811549931764603},{"text":"Perfect. Thank you for that one.","start_word":142,"end_word":147,"sentiment":"positive","sentiment_score":0.4656563401222229},{"text":"That's okay. Now as I said, I've got you scheduled in there just for the interview follow-up from when you spoke to my colleague, Samantha. So I'm one of the Yes. financial advisers here, and I believe it was just in regards to your retained fund with host plus potentially doing Yeah. a rollover. Yeah. I think so. So about about a month ago, I actually got a message to say my son something from Hostplus to say something that indicated that there had been funds moved unless it was spam or something. I'm just gonna put you on and have a look Yeah. at what it actually said. And I thought maybe you guys had done it then, but, obviously let me go host plus. Okay. I don't know where I got it, the email. Actually, I'll just log in to my host plus quickly because so since we've since I've sort of started doing things through you guys, Yep. because of the insurance, the I can't get insurance with the new super fund. So I've kept everything I've kept a large portion still with Hostplus. Yep. So at the moment, my balance in Hostplus is 46,200. So, basically, I just wanna know I wanna move whatever I can from that over to you guys that Yep. doesn't leave me short so my insurance is still covered. Yeah. So with that, one thing I do need to do there is get another third party authority. So the one we had previously, that way Mhmm. you were using to be able to view your account, they've changed the the requirement there. So we just need to do an updated form so that way we're able to call up and just maintain visibility on your host plus. Okay. Obviously, Sure. you're you're you're contributing to it, so that's fine. There's no real risk of it dropping below the amount required to sort of maintain those insurances, at least from what I'm aware. Yeah. Actually, I just looked. There's been there was a withdrawal on the March 1. I've got no idea what the withdrawal was. $953. So I don't know whether that's fees or what the situation is. But when I have a look at what happened at the February, I can see all my income protection and insurance cover and administration fees and employer contribution tax and all that kind of stuff coming out.","start_word":148,"end_word":551,"sentiment":"neutral","sentiment_score":-0.009312523418281338},{"text":"So I've got no idea why $953 was taken out.","start_word":552,"end_word":561,"sentiment":"negative","sentiment_score":-0.33892980217933655},{"text":"I just assumed it might have been you guys. No. That's not us. I can actually see here from the research pre obviously, because we haven't spoken before, Stacy, Yeah. so I do apologize. That's I can good. see here that you do have a payment that's come out previously for Clearview Life Solutions. Do you have another life insurance policy through Clearview that you're aware of No. or some Not that I'm aware of. No. interesting. Yeah. Because it seems that you do have some third party payment that is coming out of that, and it does state from what the previous retails I have, which is quite outdated, I must admit there. I believe it's the in the 2025 sort of thing. Yeah. Yeah. There's a ClearView Life Solutions payment amount that is coming out, which is curious to me because that would mean that Yeah. you have some form of insurance with Clearview. Now Which I that just saw the insurance was just through Hostplus. yeah. I can see you do have, like, obviously, the research is old there that you do have. The last research is around one seventy seven of life and total parent disability and income protection with home plus directly as a group cover there as well. Now Yeah. with that third party authority, we might submit that to Clearview and have a little bit of a look and see without a policy number or anything. Do you receive correspondence from Clearview via email? No. No. Not at all. Okay. I'm Very just interest. gonna go yeah. So bloody interesting. Because that could be the money that's been taken out, and I had no idea it was even coming out. No. Clear. I'm just putting it into my email. Clearview. No. Never received an email from them. And when you're in host plus, when you see the withdrawal, does it say, like, a clear view No. It says no. It doesn't it it if it's the large amounts that I'm thinking of that's being taken out, the 953, it just says vault? withdrawal. Yeah. Doesn't even say who it's what what it's withdrawn to go to. Like, who's it going to? Okay. Because Then once we but get then in oh, sir. yes. Sorry. No. But then in February, I can see it states death insurance additional cover, income protection insurance premium, total permanent disability insurance premium. So I can see it all all of that coming out. But, yeah, it doesn't say it just says withdrawal one March. Yeah. I'm not Yeah. too sure with that. Obviously, we need the third party. I can do a bit more digging there for you. And we can definitely follow that up and because I'm quite interested now as well. In terms of insurances there, you did sort of mention there that you weren't able to to get coverage. Is that correct from what you stated? No.","start_word":562,"end_word":1053,"sentiment":"neutral","sentiment_score":-0.07839566405589987},{"text":"Or I think I have Crohn's.","start_word":1054,"end_word":1059,"sentiment":"negative","sentiment_score":-0.36402106285095215},{"text":"So Yep. and I had mental health years and years and years ago, and I think Okay. changing to a new a new provider, I think they've basically naturally excluded that. Whereas, Host Plus, because I've been with them for so long, it made sense just to keep it going with them just in case anything happened. Yeah. So you are correct. I did sort of see the the Crohn's there. I didn't sort of know about the the mental health previously. But like you said, yeah, it would end up being some form of, like, exclusion. Yeah. But definitely Yep. for the mental health would be an exclusion. You sort of need to be ten years without symptoms, and sometimes they'll reevaluate.","start_word":1060,"end_word":1182,"sentiment":"neutral","sentiment_score":-0.11969149512488668},{"text":"But the times depending on, like, the severity, things like that, like, people get it for just saying they're slightly stressed at work, you'll get a mental health exclusion.","start_word":1183,"end_word":1211,"sentiment":"negative","sentiment_score":-0.36437928676605225},{"text":"Following Yep. up, it is the most claimed on one. So Yeah. that's Of kinda course. Of course. Yeah. And then with the Crohn's, it sort of depends on the severity. It can go anywhere from, like, a loading to an exclusion to a decline Yep. based on the severity of the condition. Now with that with group cover over time, though, as well, it does decrease in terms of, like, the amount you're covered for because group cover, it's sort of like a bell curve. As you get older, the less cover they actually cover you for in terms of, like, the units. Yeah. Sure. Sure. So with that one there, obviously, with that decrease, I don't know the exact amount that you're currently covered for, obviously, because I can't see it in front of me here, but there's a good chance that it doesn't really cover your current debt and then sort of your income replacement if anything sorta happened from that. So you can look to do forms of, like, top up cover to Okay. have it in conjunction with the host plus. Now given that I can see that there was a payment based on the the research that was conducted sort of end or middle of last year that there was something to clear view, it implies me to believe that you do have some form of, like, other insurance that we sort of weren't too made aware of. But to be able to fully look into that there, I'd probably have to wait until the TPA is completed, and then we can give them a call, find out. And I can probably give you a callback and then have a bit more of a discussion because if we find out there's other insurances and things like that anyway, we do have to probably update your advice piece in addition to that rollover and then potentially, you know, looking if you do wanna look at, you know, top up cover and things like that based on what you're actually covered for, if that makes sense. Yeah. Yeah. Yeah.","start_word":1212,"end_word":1564,"sentiment":"neutral","sentiment_score":-0.06206778047484987},{"text":"That'd be great. Yep. Sounds good.","start_word":1565,"end_word":1570,"sentiment":"positive","sentiment_score":0.5975431799888611},{"text":"Okay. Because just at the moment, like, I know you can access your host plus without us knowing what that payment for, what type of covers, and things like that. I can organize that form to go out for you, and I can even book in a time. Probably give us some time to be able to have that. Would, like, 2PM our time, so 3PM your time next week work in terms of, like, a a follow-up to try and get this TPA sorted and get the information Yeah. just to be yeah. Okay. Yeah. That's fine. Probably Wednesday. Well, what did you say? Thursday? Yes, sir. So I can look for I'm just not too sure how long it'll take to get the TPA back in there for them to accept it is all. Yeah. Of course. I can always do the week after on the the Wednesday. Yeah. Let's do let's do the week after, which is the April 1. Yep. Then it gives you a bit more time and then yeah. Because next Thursday is not looking great at the minute. So No. That's perfectly fine. And what time sort of works best for you there, Stacy? I can really do well, I can do any time on that Wednesday the first. You could name a time. Yeah. Because mine that day is actually enough quite free, so it could be, like, Yeah. towards the morning or afternoon, you know, depending on when you want me to bug you. Yeah. Well, let's let's do an afternoon again. Let's do, like, 04:00 in the afternoon. Not a problem at all. I'll chuck that in there. Yep. Yeah. As I said, we'll send that TP off to to Clearview as well. And it just seems funny that it does say it on there, and you do see those payments coming out, those withdrawals. So I'll try and find that out for you and see where that's coming from and try and get ahold of Clearview in that time as well.","start_word":1571,"end_word":1912,"sentiment":"neutral","sentiment_score":0.09108082989328786},{"text":"Yeah. That'd be awesome. That'd be great.","start_word":1913,"end_word":1919,"sentiment":"positive","sentiment_score":0.7007521390914917},{"text":"And then we can go from there. And as I said, like, yeah, we can have a discussion around that. There in regards to your portfolio too, there was a performing asset in that Benelon, which I know wasn't performing too crash hot since you've sort of held it. But given the events of sort of last year, they did have an underlying asset which was done for not reporting correctly. So a part of that as well, the business is trying to move away from that investment. It's only about 10% of your portfolio, and your portfolio as a whole is still tracking quite well even considering the war that is Yep. occurring and everything like that. Yep. So over a twelve month period, you're still sitting over about 10% after fees return, which is still quite nice. Not to say, Yep. you know, with everything going on, it might continue to do a little bit of a skid downwards, but fingers Yes, crossed sir. that, you know, it finishes quickly. But with that, we'll probably look to either update just that asset itself or look to Yep. maybe just do a quick refresh. But I know you haven't been on board for too long, and your portfolio actually is tracking quite nicely otherwise. So we could Yeah. just look at replacing that one. But I can Yep. have a bit more of a conversation around that once we get all the the stuff together and put it all Yeah. in a nice No little problem. advice piece for you. Yeah. No problem. No problem. Yeah.","start_word":1920,"end_word":2186,"sentiment":"neutral","sentiment_score":0.01496982015669346},{"text":"That's Cool. Was easy.","start_word":2187,"end_word":2190,"sentiment":"positive","sentiment_score":0.5325963497161865},{"text":"there anything else that you want to have a chat about there, The Stacy, only while the only one the the only question I had is my husband and I are looking at possibly purchasing an investment property. Yep. I just wanted to know briefly, like, you don't have to give me the full rundown, but how it works Yeah. buying one with super? Or is there do you have to have a certain amount in super before you say you buy one with super? How does that sort of work? There's no, like, definitive set amount that you need in super. In terms of, like, what sort of recommended, they say anything below sort of, like, what in the brackets of, like, that 3 to 500 sort of thousand Yep. mark in terms of, like, balances whether it's combined with a partner or not, Yep. the cost of, like, holding a self managed super, it can be quite taxing in terms of, like, you responsible for managing everything yourself as Yep. a trustee or having a corporate trustee. You Yep. have to do annualized tax returns, which do cost quite a bit. They can cost anywhere from, like, 3 to $7 to sort of set up. Oh, wow. Okay. You yeah. Just depending on how you set up your loans, the account that sets it up, things like that as well. I don't know if you obviously, we do some, like, self managed super advice as well. Given your balance, even if you did pair it with your husband, if you Yep. pulled it all together and say you did have, you know, like, 400,000 ish in superannuation and then you just go buy one property with a little bit of cash on the side, if that Yeah. property, you know, were to get damaged, something were to happen to that property, that's both your funds pulled into that one asset that that's all your retirement. And then you've got to start thinking as well about the serviceability of that and, like, a thirty Yeah. year loan. And when you sort of wanna start to looking at retiring as well, which is something you Yeah. gotta be mindful of, Yep. I doubt, you know, you wanna Yeah. be working, you know, up until the age of, you know, late seventies just to be able to, you know, potentially pay off Yeah. that, like, debt and then be able to start, you know, drawing an income from it, whether that's No. through That's fine. That yeah. my husband's my I was looking to see whether it would be beneficial to buy it on my own.","start_word":2191,"end_word":2635,"sentiment":"neutral","sentiment_score":-0.016767715277631632},{"text":"My husband's got a very good super with the government where he Yep.","start_word":2636,"end_word":2648,"sentiment":"positive","sentiment_score":0.3991332948207855},{"text":"he when he retire basically, he's worked it out that when he retires, he'll he'll be able to pay off the house and Yep. then have, like, a $120,000 salary until basically he dies. And then when he dies, I get 50% of that salary kind of thing.","start_word":2649,"end_word":2696,"sentiment":"neutral","sentiment_score":0.2157487720251083},{"text":"So his super is amazing.","start_word":2697,"end_word":2701,"sentiment":"positive","sentiment_score":0.7299871444702148},{"text":"Yeah. Those government defined benefit funds are quite But nice. yeah. Yeah. So but it was just what do we do with mine, and we're looking at investment property at the moment. And we could we could service it, the two of us, but I'm like, while I'm talking to you, I'll ask how it actually works because I know I know people do do that. And but, yeah, I'm probably not not ready to do I'm probably better off to do it outside of my super. Yeah. That in the sense that, like, obviously, outside as well, you get the benefit of the tax deductions for the property as well. Yep. Also, if it's, like, negatively geared and things like that, there's something to be mindful with that. And then also interest on property purchase or investments in Australia Yep. is a 100% like a deduction at the moment Yep. until, like, obviously, they decide to change that. But that means that the interest payments that you are paying are a deduction in terms of, like, offsetting the the cost of having those as well versus, like, having it all in one super. You just you know, the cost of holding it for an SMSF can be quite expensive to run that each year, and then all the Yep. requirements are on you. And then all your superannuation's kinda tied up into that one asset, Yep.","start_word":2702,"end_word":2938,"sentiment":"neutral","sentiment_score":-0.03053002656763616},{"text":"and you're responsible for for managing that as well to Yep. make sure That's, that everything's running smoothly. yep, that's fine.","start_word":2939,"end_word":2959,"sentiment":"positive","sentiment_score":0.48876261711120605},{"text":"And the only other thing I wanted to know is, do you know what contributions we can make without tax free to super annually? It's not tax free. It's just concession. So Okay. the limit at the moment is 30,000. So Okay. you can do up to 30,000 concessionally with before you sort of get flat with additional taxes, and that's taxed at 15% as Speech opposed thing. to, like, your Save it. your instead of your marginal tax rate. And then you've Yeah. gotta be mindful that your employer contributions count towards that concessional cap. So based on your income and the 12% comp contribution, you're probably looking at you're putting around the 12,600 ish in the superannuation currently just through your employer. And if you started Okay. salary sacrificing, that also adds to that concessional cap. And then Okay. you can also just do after tax contribution to super, and that's capped at 120,000, and that forms part of your nontaxable portion of your superannuation. Or you can Sure. claim the notice of intent to convert it to concessional. And at tax time, you get a bit of a, like, a rebate somewhat to be able to give you back the tax that you've already paid on that money that would otherwise been taxed at 15% for a concessional contribution. Okay. So because we own a business, you see, so we are Yep. trying to work out, obviously, this the end of financial year, what how would it work if I put some more money over into super. So are you saying that at the moment so if I put in another 15,000, that that's probably about what the cap that I would be for the twelve months? If I like you said, 12,600 or whatever, Yeah.","start_word":2960,"end_word":3258,"sentiment":"neutral","sentiment_score":0.046599600464105606},{"text":"but I wouldn't go over that.","start_word":3259,"end_word":3264,"sentiment":"negative","sentiment_score":-0.3913578987121582},{"text":"Like, I wouldn't like, if I if I was set to put another 15,000 in before the end of financial year, I'm not gonna go over the the voluntary cap to be taxed more. No. No. You'd be well well under that. You'd probably have a couple grand still buffer. And then given that you probably haven't hit that 30,000 cap or the $27.05 of what it was previously for No. a number of Yep. years, you can actually go on my gov and check Okay. your carry forward contributions for that to see how much you've actually got from the five previous years that you can Yep. utilize as well. So if you did wanna put in more than that and not have to worry about it, if you do exceed it, it's using those carry forward concessional contributions that you haven't used in previous tax years, and it kinda works on the oldest to newest. So it would be like what year are we in now? 2026. So it'd be like from the 2021 to 2022 year you'd be utilizing. Okay.","start_word":3265,"end_word":3447,"sentiment":"neutral","sentiment_score":0.012554853223264216},{"text":"Great.","start_word":3448,"end_word":3448,"sentiment":"positive","sentiment_score":0.5893493294715881},{"text":"And and then that would be part of that if you were to exceed that. Obviously, if you started hitting your account each year for 30,000 for the next five years or your carry forwards would be gone. It Yep. only counts for years that, like, you don't use. And then as soon as you start hitting that cap, they start expiring from the oldest moving forward up into the point you've obviously, you know, don't have any more left. Yep.","start_word":3449,"end_word":3529,"sentiment":"neutral","sentiment_score":-0.1313898116350174},{"text":"That's great.","start_word":3530,"end_word":3531,"sentiment":"positive","sentiment_score":0.6758495569229126},{"text":"Now how if I was to do that, how do I go about putting extra in? Like, if I was to do a lump sum payment like that before the end of financial year, is there like, how do I go about doing that with you guys? Yep. So all you need is your contribution details for hub twenty four, and you can just put it in nonconcessionally. It's a lump sum payment. Yep. And then from that there, you can claim a notice of intent. So you don't wanna leave it right up to the last minute because the funds have to be able to go into the fund first, and then you claim that notice of intent once those funds have cleared to make them a concessional contribution. And then from there, you just do it in your tax return to be able to get the benefit of that Okay. Okay. with Okay. your, I'm assuming, your accountant. Yeah. You can also ask your accountant as well, given that it's your company, and if you can do it through SuperStream or if it's better off just doing those after tax contributions Yep. there as well Yeah. just as Okay. a lump sum Okay. payment. So because that was what I thought we could always take it out as what what's the best way of taking it out? So that's probably a question for him, whether we do it through, like, our payroll through SuperStream or whether we do it through just as a voluntary contribution where I just, you know, deposit the funds. So And have to claim the notice of intent. Yeah. And given yeah. that he's the one that will probably be dealing with the notice of intent anyway, given that you're running your business through your account, whatever Yeah. way probably works best for him is probably the way Yeah. he'll he'll choose anyway. He's obviously Yeah. Okay. working with the accounting side. If it goes in through SuperStream, it's automatically a concessional contribution. You don't have to worry about the notice intent and things like that as well. It just Yep. depends on the tax legislation for, you know, lump sums to to super through business Yep. employment.","start_word":3532,"end_word":3905,"sentiment":"neutral","sentiment_score":0.09288796479689246},{"text":"Perfect.","start_word":3906,"end_word":3906,"sentiment":"positive","sentiment_score":0.5477052927017212},{"text":"Yeah. Yep.","start_word":3907,"end_word":3908,"sentiment":"neutral","sentiment_score":0.21050940454006195},{"text":"Which Great. Great. Great.","start_word":3909,"end_word":3912,"sentiment":"positive","sentiment_score":0.5995081663131714},{"text":"a little bit out of my wheel, that Yeah. one. No. No. Actually, look, it's completely out of mind. So, you know, I just I just, you know, I just don't wanna leave it. We probably should have done it last year. We obviously, through through having the business and stuff and and the kind of work that I do, we had a bit of a a loss that we were carrying. So it was okay. It was okay. But but then last year I think last year was our last year of loss. So anything Yep. Yep. we make now, we're gonna be taxed on. So I'm like, well, I just wanna reduce it as much as I can so I don't need to pay, you know, give the tax man more money and what's a way of doing it and suit is a way of doing it. So that's that was my my thought. Yeah. And given that, obviously, work it with your account to what's obviously within the tax legislation laws that isn't tax evasion, you do have those carry forward concessional amounts as well that you can utilize depending Yeah. on how much you do wanna put in. Obviously, you know, we can put those sort of things into, advice and putting money into and utilizing those, but, obviously, you know, it is an accountant's wheelhouse as well and how to structure that, the Yep. best one. And it's probably a little bit more simpler than waiting a couple weeks for me to tell you just the amounts on your account. It's got your books right there and everything, Yeah. and there's Yeah. a better way to chuck Oh, I it don't in. know. He he's not real fast at things. Let me tell you. So we're still waiting for him to do our tax we we've we've actually got a loan rep we're we're waiting for a loan ready to go for an investment property, but we're waiting for our last lot of financials to be done. So he's just very Okay. slow. But my husband said he doesn't charge us at the fortune, so, you know, we can't push him.","start_word":3913,"end_word":4278,"sentiment":"neutral","sentiment_score":-0.0004735951988749166},{"text":"And I'm like, oh, out. Surely. It drives me mad.","start_word":4279,"end_word":4288,"sentiment":"negative","sentiment_score":-0.44405075907707214},{"text":"But anyway anyway, that's a separate issue. But, No problem. yeah, no. All good. That's that's probably all I really need to know apart from, obviously, what do I do, what's happened with this insurance, and then, you know, no doubt that if I do make a voluntary contribution, then you guys will just disperse it how you see fit, and the same goes with the money that comes back over from host plus. Whatever amount is taken over from host plus to you, you'll just disperse it as you see fit. It will be per your original statement of advice. So I can't actually change any of your underlying investments unless we go to it advice, unless you're, like, in a separately Okay. managed account. Okay. So that's why I was talking in terms of those updates. I can't just go in and change that and be like, this is something we're moving away from. We're gonna just change it. I have to Yeah. provide some form of record of advice or statement Yeah. of advice to that change, and then Yeah. everything that goes into that fund price or after that fact goes per the original SOA or any changes that have made through those advice documents and not just us going around and playing in the background. Yep. Yep. No. That's fine. That's fine.","start_word":4289,"end_word":4515,"sentiment":"neutral","sentiment_score":0.004189111624684366},{"text":"That's great. Not a problem at all there, Excellent. Stacy.","start_word":4516,"end_word":4525,"sentiment":"positive","sentiment_score":0.4364183843135834},{"text":"Well, I'll get that form sorted, and then hopefully, we get all the answers we need, and then we can have a bit more of an in-depth conversation around what you wanna do insurance wise there as well in the next sort of coming week. And, Yep. yeah, we can look at doing that that rollover and getting that sorted for you as well. Yeah.","start_word":4526,"end_word":4590,"sentiment":"neutral","sentiment_score":0.18152736127376556},{"text":"That's fantastic. Great.","start_word":4591,"end_word":4593,"sentiment":"positive","sentiment_score":0.5714701414108276},{"text":"Appreciate No problem, it. sir. Sorry. I couldn't sort of help you much more No. today. That's that's fine. That's exactly that's that's all I need. No. That's fine. No problems. And, yeah, you so you'll send the form. Do you send that electronically? Or I is just that gotta double check-in regards yeah. to that if the two funds that we're looking to accept electronic signatures for that. Otherwise, do you have access to a printer if we were to I email do. Yeah. it to you? Yeah. Yeah. Of course.","start_word":4594,"end_word":4685,"sentiment":"neutral","sentiment_score":0.08207520749419928},{"text":"Perfect.","start_word":4686,"end_word":4686,"sentiment":"positive","sentiment_score":0.5371686220169067},{"text":"Yep. I'll I'll just throw it in the email. Otherwise, we'll get to my colleague too, and then we can just go from there. You can just sign that and send it back, and we'll send those off to the the funds there as well.","start_word":4687,"end_word":4731,"sentiment":"neutral","sentiment_score":0.18897494673728943},{"text":"Yep. Sounds great. Perfect.","start_word":4732,"end_word":4735,"sentiment":"positive","sentiment_score":0.5974636673927307},{"text":"I'll get them to get on to that this afternoon so the quicker the the better so we have some time for the insurers fund and superannuation fund to get back to us because normally they're a bit slow as well. Yeah. No.","start_word":4736,"end_word":4778,"sentiment":"neutral","sentiment_score":0.30152446031570435},{"text":"I appreciate that. That's great.","start_word":4779,"end_word":4783,"sentiment":"positive","sentiment_score":0.5819163918495178},{"text":"Not a Excellent. problem at all, Well, Stacy.","start_word":4784,"end_word":4791,"sentiment":"neutral","sentiment_score":0.20150798559188843},{"text":"thank you Well, very much. no problem. You enjoy the rest of your afternoon, and we'll speak Will shortly do.","start_word":4792,"end_word":4811,"sentiment":"positive","sentiment_score":0.5028367042541504},{"text":"there.","start_word":4812,"end_word":4812,"sentiment":"neutral","sentiment_score":0.23227038979530337},{"text":"Sounds good. Thank you. Perfect. Thanks. Bye now. See you.","start_word":4813,"end_word":4822,"sentiment":"positive","sentiment_score":0.5283532738685608},{"text":"Bye.","start_word":4823,"end_word":4823,"sentiment":"neutral","sentiment_score":0.1863267868757248}],"average":{"sentiment":"neutral","sentiment_score":0.024708070616791217}}}}