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That's good. I will keep this short and sharp, and I hope mom's going okay. So my role as a financial adviser is to realistically look at you as an individual. Your goals are individual to anyone else, And the whole point in this conversation allows me to tailor a plan to you. Now I know that you spend a lot of time with my team giving information and data. This is, like, the culmination of everything. I understand that we have, like, the business that we run, and we're looking to probably wind that up in the next five years. Are we looking to like, do you wanna look at getting advice on that now, or is that something you're wanting to sort of look at a little bit later? No. Yeah. It's always something we can we can rope into later that we don't have to we don't have to eat everything in one go. We can definitely portion it out. Perfect. Now I understand, like, we have the properties, and we're very, very much focused on those properties. And we've got two different properties in two different names. Can I just confirm which one is it that we're living in? The property worth 60 Yep. Okay. Perfect. Okay. Okay. And are we renting out the property while it's not in use or no? No. No. That's okay. But we're possibly looking to, like, sell one of them just to help fund some of the retirement. Yep. Yeah. Yeah. Well, something definitely that that's worthwhile doing when when we've retired, We can we can definitely look at that. Perfect. Now we're looking at retiring at 66. So we're kind of about six years off, which is great. And we're only a few months away from 60, so there's some definite tax saving strategies that we can look at if you're really in looking at, like, tax savings and tax mitigation. That's something that, like, you're you're happy to look at sort of, like No. That that's perfect. Yeah. Now we have the the business. I just wanna double check that the business is, like, your, like, design business. Correct? Cool. Just wanted to make sure it was one one and the same. And you're currently generating an income for yourself of $68,000, which is great. Now is that a company structure, like, Fultrade our partnership? Yep. No. Perfect. Just good to have a grasp on how we structured the business. And then I I also see that we have a little bit of business debts as well that you're wanting to sort of look at getting on top of. Do we wanna look at advice on trying to get on top of those now, or do we wanna sort of look at it in three to six months? Yeah. Yeah. Yeah. A bit more. Good. No. Perfect. Yeah. Okay. That's okay. It's something we can definitely look at, like, cash flow wise down the track if if you wanna sort of, like, investigate that side of thing. Perfect. Okay. Now with our superannuation, I know we're pretty aggressively invested. The team had a look over the accounts and have provided me with a rundown of how your investments are split. So I will have a look into those investments, what they're returning, and, ultimately, I guess, what they're actually invested in and what what your diversification is. In terms of the insurance that you hold in that account, you currently only hold life insurance. Is that something that you're you're happy with just the life cover? Amazing. No. That's definitely the way that we would unfortunately, the way it flows, but it does very much cover the debts that you guys currently have outstanding and leave a little bit of room left over for the family as well. So I can I what I'll do is I'll have a look at alternative providers that you do that are available? Because ultimately speaking, you are paying a little bit for that policy at moment. So I'll have a yeah. Yeah. Yeah. Absolutely. Yeah. I can definitely look at just covering the debt. So, I mean, realistically, like, if we look at all the debt business and everything, we're looking at it to, like, 483,000. So I'll look at that half mil just because when we push it that little bit further to that half mil bracket, a, it keeps it round, and, b, generally, it's cheaper than going to, like, $8.48, $8.90. So I'll look in that range and go from there. Can I ask how much does your wife earn per year just so I have a bit of a gauge? Lucky. Yeah. Okay. So around around the same tax bracket as yourself. Yeah. Perfect. No. That's amazing. So what what I can do is I'll have a look at the super the super fund. I'll have a look at the insurance policy. And then, I guess, at the moment, we can park the business advice. We can park the cash flow advice as well, and we can circle back to it. A, probably, you're not in the hospital helping mom out, and b, once you've had a chance, so, like where the business actually fits. Yeah. No. Abs absolutely. Alright. Well, I will let you go. I've got a good understanding of where everything sits. Of course, if anything pops up while I'm researching everything because, ultimately, what I do from here is I go away and I start researching your current provider, the investment options that you have, how they're actually the underlying assets within those and how it's structured. And then I can pair that to alternatives to see what we can do outcome wise for your retirement, have a look at insurance providers, and then package it all together into what's called a statement of advice. And then when we get together again on Tuesday, I can present that to you. No. That's okay. I'm looking forward to it, Donald, and I will I'll let you go so you can go look after mom, and we'll speak then. Bye, doll. 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afternoon. Did you say she's about to have in the operation? Valid. Fair. Cool.\n\nYep. Yeah. Love it. Cool. Oh, let's let's do it.\n\nFantastic. Hi, Donna. My name is Larissa. How are you going? That's good.\n\nI will keep this short and sharp, and I hope mom's going okay. So my role as a financial adviser is to realistically look at you as an individual. Your goals are individual to anyone else, And the whole point in this conversation allows me to tailor a plan to you. Now I know that you spend a lot of time with my team giving information and data. This is, like, the culmination of everything.\n\nI understand that we have, like, the business that we run, and we're looking to probably wind that up in the next five years. Are we looking to like, do you wanna look at getting advice on that now, or is that something you're wanting to sort of look at a little bit later? No. Yeah. It's always something we can we can rope into later that we don't have to we don't have to eat everything in one go.\n\nWe can definitely portion it out. Perfect. Now I understand, like, we have the properties, and we're very, very much focused on those properties. And we've got two different properties in two different names. Can I just confirm which one is it that we're living in?\n\nThe property worth 60 Yep. Okay. Perfect. Okay. Okay.\n\nAnd are we renting out the property while it's not in use or no? No. No. That's okay. But we're possibly looking to, like, sell one of them just to help fund some of the retirement.\n\nYep. Yeah. Yeah. Well, something definitely that that's worthwhile doing when when we've retired, We can we can definitely look at that. Perfect.\n\nNow we're looking at retiring at 66. So we're kind of about six years off, which is great. And we're only a few months away from 60, so there's some definite tax saving strategies that we can look at if you're really in looking at, like, tax savings and tax mitigation. That's something that, like, you're you're happy to look at sort of, like No. That that's perfect.\n\nYeah. Now we have the the business. I just wanna double check that the business is, like, your, like, design business. Correct? Cool.\n\nJust wanted to make sure it was one one and the same. And you're currently generating an income for yourself of $68,000, which is great. Now is that a company structure, like, Fultrade our partnership? Yep. No.\n\nPerfect. Just good to have a grasp on how we structured the business. And then I I also see that we have a little bit of business debts as well that you're wanting to sort of look at getting on top of. Do we wanna look at advice on trying to get on top of those now, or do we wanna sort of look at it in three to six months? Yeah.\n\nYeah. Yeah. A bit more. Good. No.\n\nPerfect. Yeah. Okay. That's okay. It's something we can definitely look at, like, cash flow wise down the track if if you wanna sort of, like, investigate that side of thing.\n\nPerfect. Okay. Now with our superannuation, I know we're pretty aggressively invested. The team had a look over the accounts and have provided me with a rundown of how your investments are split. So I will have a look into those investments, what they're returning, and, ultimately, I guess, what they're actually invested in and what what your diversification is.\n\nIn terms of the insurance that you hold in that account, you currently only hold life insurance. Is that something that you're you're happy with just the life cover? Amazing. No. That's definitely the way that we would unfortunately, the way it flows, but it does very much cover the debts that you guys currently have outstanding and leave a little bit of room left over for the family as well.\n\nSo I can I what I'll do is I'll have a look at alternative providers that you do that are available? Because ultimately speaking, you are paying a little bit for that policy at moment. So I'll have a yeah. Yeah. Yeah.\n\nAbsolutely. Yeah. I can definitely look at just covering the debt. So, I mean, realistically, like, if we look at all the debt business and everything, we're looking at it to, like, 483,000. So I'll look at that half mil just because when we push it that little bit further to that half mil bracket, a, it keeps it round, and, b, generally, it's cheaper than going to, like, $8.48, $8.90.\n\nSo I'll look in that range and go from there. Can I ask how much does your wife earn per year just so I have a bit of a gauge? Lucky. Yeah. Okay.\n\nSo around around the same tax bracket as yourself. Yeah. Perfect. No. That's amazing.\n\nSo what what I can do is I'll have a look at the super the super fund. I'll have a look at the insurance policy. And then, I guess, at the moment, we can park the business advice. We can park the cash flow advice as well, and we can circle back to it. A, probably, you're not in the hospital helping mom out, and b, once you've had a chance, so, like where the business actually fits.\n\nYeah. No. Abs absolutely. Alright. Well, I will let you go.\n\nI've got a good understanding of where everything sits. Of course, if anything pops up while I'm researching everything because, ultimately, what I do from here is I go away and I start researching your current provider, the investment options that you have, how they're actually the underlying assets within those and how it's structured. And then I can pair that to alternatives to see what we can do outcome wise for your retirement, have a look at insurance providers, and then package it all together into what's called a statement of advice. And then when we get together again on Tuesday, I can present that to you. No.\n\nThat's okay. I'm looking forward to it, Donald, and I will I'll let you go so you can go look after mom, and we'll speak then. Bye, doll. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":2.32,"end":2.98,"sentiment":"neutral","sentiment_score":0.19403910636901855},{"text":"Did you say she's about to have in the operation?","start":15.8550005,"end":18.035,"sentiment":"neutral","sentiment_score":0.024492225795984267},{"text":"Valid.","start":21.695,"end":22.175,"sentiment":"neutral","sentiment_score":0.0535246767103672},{"text":"Fair.","start":22.175,"end":22.494999,"sentiment":"neutral","sentiment_score":0.10696667432785034},{"text":"Cool.","start":22.494999,"end":22.895,"sentiment":"neutral","sentiment_score":0.1893179416656494}],"sentiment":"neutral","sentiment_score":0.06552065089344979,"num_words":15,"start":2.32,"end":22.895},{"sentences":[{"text":"Yep.","start":22.895,"end":23.395,"sentiment":"neutral","sentiment_score":0.11582411825656892},{"text":"Yeah.","start":47.245,"end":47.745,"sentiment":"neutral","sentiment_score":-0.0719917044043541},{"text":"Love it.","start":54.940002,"end":55.600002,"sentiment":"neutral","sentiment_score":0.04082076624035835},{"text":"Cool.","start":63.115,"end":63.515,"sentiment":"neutral","sentiment_score":0.13812507688999176},{"text":"Oh, let's let's do it.","start":63.515,"end":65.055,"sentiment":"neutral","sentiment_score":0.22212936282157897}],"sentiment":"neutral","sentiment_score":0.1374245837330818,"num_words":10,"start":22.895,"end":65.055},{"sentences":[{"text":"Fantastic.","start":71.915,"end":72.415,"sentiment":"positive","sentiment_score":0.5609034299850464},{"text":"Hi, Donna.","start":95.625,"end":96.265,"sentiment":"neutral","sentiment_score":0.09826254844665527},{"text":"My name is Larissa.","start":96.265,"end":97.065,"sentiment":"neutral","sentiment_score":0.09871544130146503},{"text":"How are you going?","start":97.065,"end":97.965004,"sentiment":"neutral","sentiment_score":0.128988865762949},{"text":"That's good.","start":99.950005,"end":100.75,"sentiment":"positive","sentiment_score":0.39082561433315277}],"sentiment":"neutral","sentiment_score":0.1884536141386399,"num_words":13,"start":71.915,"end":100.75},{"sentences":[{"text":"I will keep this short and sharp, and I hope mom's going okay.","start":100.75,"end":103.65,"sentiment":"neutral","sentiment_score":0.14309888447706515},{"text":"So my role as a financial adviser is to realistically look at you as an individual.","start":105.950005,"end":110.91,"sentiment":"neutral","sentiment_score":0.18505050893872976},{"text":"Your goals are individual to anyone else, And the whole point in this conversation allows me to tailor a plan to you.","start":110.91,"end":117.695,"sentiment":"positive","sentiment_score":0.43867726082151587},{"text":"Now I know that you spend a lot of time with my team giving information and data.","start":117.755005,"end":122.415,"sentiment":"neutral","sentiment_score":0.09464160703560885},{"text":"This is, like, the culmination of everything.","start":123.275,"end":125.135,"sentiment":"neutral","sentiment_score":0.2854226103850773}],"sentiment":"neutral","sentiment_score":0.2410514529546102,"num_words":75,"start":100.75,"end":125.135},{"sentences":[{"text":"I understand that we have, like, the business that we run, and we're looking to probably wind that up in the next five years.","start":126.47,"end":132.57,"sentiment":"neutral","sentiment_score":0.09698717451343934},{"text":"Are we looking to like, do you wanna look at getting advice on that now, or is that something you're wanting to sort of look at a little bit later?","start":134.79001,"end":143.545,"sentiment":"neutral","sentiment_score":-0.009496264144157369},{"text":"No.","start":152.64499,"end":153.045,"sentiment":"neutral","sentiment_score":-0.13110584020614624},{"text":"Yeah.","start":153.045,"end":153.36499,"sentiment":"neutral","sentiment_score":-0.08329769968986511},{"text":"It's always something we can we can rope into later that we don't have to we don't have to eat everything in one go.","start":153.36499,"end":160.47,"sentiment":"neutral","sentiment_score":0.048140255423883595}],"sentiment":"neutral","sentiment_score":0.03729708567843772,"num_words":80,"start":126.47,"end":160.47},{"sentences":[{"text":"We can definitely portion it out.","start":160.47,"end":163.29,"sentiment":"neutral","sentiment_score":0.19516160090764365},{"text":"Perfect.","start":165.11,"end":165.61,"sentiment":"positive","sentiment_score":0.3485637307167053},{"text":"Now I understand, like, we have the properties, and we're very, very much focused on those properties.","start":165.75,"end":171.20999,"sentiment":"neutral","sentiment_score":0.04581293299355928},{"text":"And we've got two different properties in two different names.","start":172.095,"end":175.875,"sentiment":"neutral","sentiment_score":-0.0068467332981526855},{"text":"Can I just confirm which one is it that we're living in?","start":176.255,"end":179.235,"sentiment":"neutral","sentiment_score":0.008553189691156149}],"sentiment":"neutral","sentiment_score":0.05070704652968308,"num_words":46,"start":160.47,"end":179.235},{"sentences":[{"text":"The property worth 60 Yep.","start":179.775,"end":188.19,"sentiment":"neutral","sentiment_score":0.03171134702861309},{"text":"Okay.","start":188.19,"end":188.69,"sentiment":"neutral","sentiment_score":0.06208077073097229},{"text":"Perfect.","start":196.675,"end":197.175,"sentiment":"positive","sentiment_score":0.3608059585094452},{"text":"Okay.","start":198.595,"end":199.095,"sentiment":"neutral","sentiment_score":0.05776788294315338},{"text":"Okay.","start":199.155,"end":199.47499,"sentiment":"neutral","sentiment_score":0.037681255489587784}],"sentiment":"neutral","sentiment_score":0.07521028920180267,"num_words":9,"start":179.775,"end":199.47499},{"sentences":[{"text":"And are we renting out the property while it's not in use or no?","start":199.47499,"end":203.895,"sentiment":"neutral","sentiment_score":0.00804972109783973},{"text":"No.","start":204.83499,"end":205.33499,"sentiment":"neutral","sentiment_score":-0.24643400311470032},{"text":"No.","start":206.995,"end":207.315,"sentiment":"neutral","sentiment_score":-0.22340553998947144},{"text":"That's okay.","start":207.315,"end":208.035,"sentiment":"neutral","sentiment_score":-0.13976924866437912},{"text":"But we're possibly looking to, like, sell one of them just to help fund some of the retirement.","start":208.035,"end":213.5,"sentiment":"neutral","sentiment_score":-0.029114125710394647}],"sentiment":"neutral","sentiment_score":-0.03224267244028548,"num_words":36,"start":199.47499,"end":213.5},{"sentences":[{"text":"Yep.","start":215.23999,"end":215.73999,"sentiment":"neutral","sentiment_score":0.13153591752052307},{"text":"Yeah.","start":218.2,"end":218.7,"sentiment":"neutral","sentiment_score":0.05371793359518051},{"text":"Yeah.","start":221.08,"end":221.56,"sentiment":"neutral","sentiment_score":0.18164704740047455},{"text":"Well, something definitely that that's worthwhile doing when when we've retired, We can we can definitely look at that.","start":221.56,"end":228.205,"sentiment":"positive","sentiment_score":0.3396853114429273},{"text":"Perfect.","start":228.205,"end":228.705,"sentiment":"positive","sentiment_score":0.6105526685714722}],"sentiment":"neutral","sentiment_score":0.3231075862827508,"num_words":23,"start":215.23999,"end":228.705},{"sentences":[{"text":"Now we're looking at retiring at 66.","start":230.045,"end":232.625,"sentiment":"neutral","sentiment_score":0.26183427444526125},{"text":"So we're kind of about six years off, which is great.","start":234.685,"end":237.425,"sentiment":"positive","sentiment_score":0.3393715647133914},{"text":"And we're only a few months away from 60, so there's some definite tax saving strategies that we can look at if you're really in looking at, like, tax savings and tax mitigation.","start":238.525,"end":250.92001,"sentiment":"neutral","sentiment_score":0.12167698867393262},{"text":"That's something that, like, you're you're happy to look at sort of, like No.","start":253.86,"end":271.77002,"sentiment":"neutral","sentiment_score":0.10199739251817976},{"text":"That that's perfect.","start":271.77002,"end":275.39,"sentiment":"neutral","sentiment_score":-0.01660978887230158}],"sentiment":"neutral","sentiment_score":0.16116767482119887,"num_words":68,"start":230.045,"end":275.39},{"sentences":[{"text":"Yeah.","start":276.17,"end":276.67,"sentiment":"neutral","sentiment_score":0.04187677055597305},{"text":"Now we have the the business.","start":276.97,"end":279.77002,"sentiment":"neutral","sentiment_score":0.04193315654993057},{"text":"I just wanna double check that the business is, like, your, like, design business.","start":279.77002,"end":285.145,"sentiment":"neutral","sentiment_score":0.055832805910280774},{"text":"Correct?","start":285.445,"end":285.945,"sentiment":"neutral","sentiment_score":0.05518727749586105},{"text":"Cool.","start":287.205,"end":287.685,"sentiment":"neutral","sentiment_score":0.21886831521987915}],"sentiment":"neutral","sentiment_score":0.05866046023109685,"num_words":23,"start":276.17,"end":287.685},{"sentences":[{"text":"Just wanted to make sure it was one one and the same.","start":287.685,"end":290.105,"sentiment":"neutral","sentiment_score":0.17539464930693308},{"text":"And you're currently generating an income for yourself of $68,000, which is great.","start":290.48502,"end":295.385,"sentiment":"neutral","sentiment_score":0.2918203748189486},{"text":"Now is that a company structure, like, Fultrade our partnership?","start":297.2,"end":301.62,"sentiment":"neutral","sentiment_score":0.030526577029377222},{"text":"Yep.","start":302.16,"end":302.64,"sentiment":"neutral","sentiment_score":0.02482791803777218},{"text":"No.","start":302.64,"end":303.12,"sentiment":"neutral","sentiment_score":0.0470922514796257}],"sentiment":"neutral","sentiment_score":0.16961044876055942,"num_words":37,"start":287.685,"end":303.12},{"sentences":[{"text":"Perfect.","start":303.12,"end":303.62,"sentiment":"neutral","sentiment_score":0.22140207886695865},{"text":"Just good to have a grasp on how we structured the business.","start":303.68,"end":307.22,"sentiment":"neutral","sentiment_score":0.22039298340678215},{"text":"And then I I also see that we have a little bit of business debts as well that you're wanting to sort of look at getting on top of.","start":308.72,"end":316.725,"sentiment":"neutral","sentiment_score":0.09158652571254763},{"text":"Do we wanna look at advice on trying to get on top of those now, or do we wanna sort of look at it in three to six months?","start":317.025,"end":324.005,"sentiment":"neutral","sentiment_score":0.001726022166810159},{"text":"Yeah.","start":328.1,"end":328.6,"sentiment":"neutral","sentiment_score":-0.022146526724100113}],"sentiment":"neutral","sentiment_score":0.07708382279896694,"num_words":72,"start":303.12,"end":328.6},{"sentences":[{"text":"Yeah.","start":331.78,"end":332.28,"sentiment":"neutral","sentiment_score":-0.01626768708229065},{"text":"Yeah.","start":337.07498,"end":337.57498,"sentiment":"neutral","sentiment_score":-0.02837320975959301},{"text":"A bit more.","start":351.17,"end":352.07,"sentiment":"neutral","sentiment_score":0.17505525549252832},{"text":"Good.","start":353.33002,"end":353.83002,"sentiment":"positive","sentiment_score":0.38498127460479736},{"text":"No.","start":354.05,"end":354.55,"sentiment":"neutral","sentiment_score":0.042299266904592514}],"sentiment":"neutral","sentiment_score":0.12968648730644158,"num_words":7,"start":331.78,"end":354.55},{"sentences":[{"text":"Perfect.","start":361.185,"end":361.685,"sentiment":"neutral","sentiment_score":0.24300064146518707},{"text":"Yeah.","start":363.50497,"end":363.905,"sentiment":"neutral","sentiment_score":0.0995599925518036},{"text":"Okay.","start":363.905,"end":364.305,"sentiment":"neutral","sentiment_score":0.11256559193134308},{"text":"That's okay.","start":364.305,"end":365.04498,"sentiment":"neutral","sentiment_score":0.19756264239549637},{"text":"It's something we can definitely look at, like, cash flow wise down the track if if you wanna sort of, like, investigate that side of thing.","start":365.26498,"end":372.085,"sentiment":"neutral","sentiment_score":0.10232265221957977}],"sentiment":"neutral","sentiment_score":0.11324646672414194,"num_words":31,"start":361.185,"end":372.085},{"sentences":[{"text":"Perfect.","start":373.92,"end":374.42,"sentiment":"neutral","sentiment_score":0.331880122423172},{"text":"Okay.","start":374.64,"end":375.14,"sentiment":"neutral","sentiment_score":0.17138861119747162},{"text":"Now with our superannuation, I know we're pretty aggressively invested.","start":375.28,"end":378.9,"sentiment":"neutral","sentiment_score":0.11999130323529243},{"text":"The team had a look over the accounts and have provided me with a rundown of how your investments are split.","start":379.76,"end":385.14,"sentiment":"neutral","sentiment_score":0.14231441276414053},{"text":"So I will have a look into those investments, what they're returning, and, ultimately, I guess, what they're actually invested in and what what your diversification is.","start":386.61502,"end":395.27502,"sentiment":"neutral","sentiment_score":0.10276715029720906}],"sentiment":"neutral","sentiment_score":0.1244416248674194,"num_words":60,"start":373.92,"end":395.27502},{"sentences":[{"text":"In terms of the insurance that you hold in that account, you currently only hold life insurance.","start":397.415,"end":403.68002,"sentiment":"neutral","sentiment_score":-0.014123929993194692},{"text":"Is that something that you're you're happy with just the life cover?","start":403.98,"end":409.04,"sentiment":"neutral","sentiment_score":0.07172991389719148},{"text":"Amazing.","start":423.51498,"end":424.01498,"sentiment":"positive","sentiment_score":0.5725252032279968},{"text":"No.","start":425.23,"end":425.47,"sentiment":"neutral","sentiment_score":0.10969939827919006},{"text":"That's definitely the way that we would unfortunately, the way it flows, but it does very much cover the debts that you guys currently have outstanding and leave a little bit of room left over for the family as well.","start":425.47,"end":440.69498,"sentiment":"neutral","sentiment_score":-0.0472463758662343}],"sentiment":"neutral","sentiment_score":-0.00826729966563658,"num_words":71,"start":397.415,"end":440.69498},{"sentences":[{"text":"So I can I what I'll do is I'll have a look at alternative providers that you do that are available?","start":440.69498,"end":450.235,"sentiment":"neutral","sentiment_score":0.0009448734954709099},{"text":"Because ultimately speaking, you are paying a little bit for that policy at moment.","start":450.455,"end":456.69,"sentiment":"neutral","sentiment_score":-0.061415808142295907},{"text":"So I'll have a yeah.","start":458.27002,"end":461.01,"sentiment":"neutral","sentiment_score":0.012184611707925796},{"text":"Yeah.","start":476.605,"end":477.105,"sentiment":"neutral","sentiment_score":-0.006091427057981491},{"text":"Yeah.","start":482.53998,"end":482.94,"sentiment":"neutral","sentiment_score":0.08739140629768372}],"sentiment":"neutral","sentiment_score":-0.016613236495426724,"num_words":42,"start":440.69498,"end":482.94},{"sentences":[{"text":"Absolutely.","start":482.94,"end":483.44,"sentiment":"neutral","sentiment_score":0.14393725991249084},{"text":"Yeah.","start":483.74,"end":483.97998,"sentiment":"neutral","sentiment_score":0.14051687717437744},{"text":"I can definitely look at just covering the debt.","start":483.97998,"end":486.62,"sentiment":"neutral","sentiment_score":0.143124563826455},{"text":"So, I mean, realistically, like, if we look at all the debt business and everything, we're looking at it to, like, 483,000.","start":486.62,"end":493.695,"sentiment":"neutral","sentiment_score":0.05529612336646427},{"text":"So I'll look at that half mil just because when we push it that little bit further to that half mil bracket, a, it keeps it round, and, b, generally, it's cheaper than going to, like, $8.48, $8.90.","start":494.075,"end":505.35,"sentiment":"neutral","sentiment_score":0.0666305115936618}],"sentiment":"neutral","sentiment_score":0.07494435726966657,"num_words":71,"start":482.94,"end":505.35},{"sentences":[{"text":"So I'll look in that range and go from there.","start":506.13,"end":508.55,"sentiment":"neutral","sentiment_score":0.05862230435013771},{"text":"Can I ask how much does your wife earn per year just so I have a bit of a gauge?","start":508.69,"end":514.39,"sentiment":"neutral","sentiment_score":0.028203771030530334},{"text":"Lucky.","start":520.925,"end":521.425,"sentiment":"neutral","sentiment_score":0.0508468858897686},{"text":"Yeah.","start":525.005,"end":525.505,"sentiment":"neutral","sentiment_score":0.03888217732310295},{"text":"Okay.","start":530.7,"end":531.2,"sentiment":"neutral","sentiment_score":0.02550424635410309}],"sentiment":"neutral","sentiment_score":0.03834944768724116,"num_words":33,"start":506.13,"end":531.2},{"sentences":[{"text":"So around around the same tax bracket as yourself.","start":531.34,"end":535.84,"sentiment":"neutral","sentiment_score":0.013833835410575071},{"text":"Yeah.","start":536.54004,"end":537.04004,"sentiment":"neutral","sentiment_score":0.10147878527641296},{"text":"Perfect.","start":537.26,"end":537.76,"sentiment":"positive","sentiment_score":0.5151354074478149},{"text":"No.","start":537.82,"end":537.98004,"sentiment":"positive","sentiment_score":0.4262164235115051},{"text":"That's amazing.","start":537.98004,"end":538.72003,"sentiment":"positive","sentiment_score":0.6285159289836884}],"sentiment":"neutral","sentiment_score":0.1731690709213061,"num_words":14,"start":531.34,"end":538.72003},{"sentences":[{"text":"So what what I can do is I'll have a look at the super the super fund.","start":539.98004,"end":545.405,"sentiment":"neutral","sentiment_score":0.15761462642866023},{"text":"I'll have a look at the insurance policy.","start":545.405,"end":547.34503,"sentiment":"neutral","sentiment_score":0.06325311120599508},{"text":"And then, I guess, at the moment, we can park the business advice.","start":548.765,"end":554.22504,"sentiment":"neutral","sentiment_score":0.06727272902543728},{"text":"We can park the cash flow advice as well, and we can circle back to it.","start":554.60504,"end":560.49,"sentiment":"neutral","sentiment_score":0.0696645206771791},{"text":"A, probably, you're not in the hospital helping mom out, and b, once you've had a chance, so, like where the business actually fits.","start":560.49,"end":573.72504,"sentiment":"neutral","sentiment_score":0.026138965195665758}],"sentiment":"neutral","sentiment_score":0.07438444245893222,"num_words":78,"start":539.98004,"end":573.72504},{"sentences":[{"text":"Yeah.","start":573.945,"end":574.445,"sentiment":"neutral","sentiment_score":0.04273186624050141},{"text":"No.","start":575.22504,"end":575.625,"sentiment":"neutral","sentiment_score":0.010785816237330437},{"text":"Abs absolutely.","start":575.625,"end":576.685,"sentiment":"neutral","sentiment_score":0.004288176074624062},{"text":"Alright.","start":577.145,"end":577.625,"sentiment":"neutral","sentiment_score":0.06720234453678131},{"text":"Well, I will let you go.","start":577.625,"end":579.305,"sentiment":"neutral","sentiment_score":0.10430533438920975}],"sentiment":"neutral","sentiment_score":0.06864803504537452,"num_words":11,"start":573.945,"end":579.305},{"sentences":[{"text":"I've got a good understanding of where everything sits.","start":579.305,"end":583.32,"sentiment":"neutral","sentiment_score":0.11976772381199731},{"text":"Of course, if anything pops up while I'm researching everything because, ultimately, what I do from here is I go away and I start researching your current provider, the investment options that you have, how they're actually the underlying assets within those and how it's structured.","start":583.46,"end":598.735,"sentiment":"neutral","sentiment_score":0.0615760517185149},{"text":"And then I can pair that to alternatives to see what we can do outcome wise for your retirement, have a look at insurance providers, and then package it all together into what's called a statement of advice.","start":599.355,"end":609.935,"sentiment":"neutral","sentiment_score":0.08308270201086998},{"text":"And then when we get together again on Tuesday, I can present that to you.","start":609.995,"end":613.32996,"sentiment":"neutral","sentiment_score":0.12069906344016393},{"text":"No.","start":615.63,"end":615.95,"sentiment":"neutral","sentiment_score":0.2585594654083252}],"sentiment":"neutral","sentiment_score":0.08382198153012389,"num_words":109,"start":579.305,"end":615.95},{"sentences":[{"text":"That's okay.","start":615.95,"end":616.85,"sentiment":"positive","sentiment_score":0.36227190494537354},{"text":"I'm looking forward to it, Donald, and I will I'll let you go so you can go look after mom, and we'll speak then.","start":617.14996,"end":622.76996,"sentiment":"neutral","sentiment_score":0.29564595005164546},{"text":"Bye, doll.","start":625.87885,"end":626.3589,"sentiment":"neutral","sentiment_score":0.20699761807918549},{"text":"Bye.","start":626.3589,"end":626.8589,"sentiment":"neutral","sentiment_score":-0.09390338510274888}],"sentiment":"neutral","sentiment_score":0.28069442973054687,"num_words":29,"start":615.95,"end":626.8589}]}}]},{"alternatives":[{"transcript":"Hello? Alright. So she is with her mom who's just had a knee operation, so she doesn't have an abundance of time. So I'll just let her know that it'll ask you to do the speedy run through if we can. Insane no. She is with her mom who has just had a knee operation. Okay. Now I have touched on TTR with her where there's a bit of interest in exploring that because she's only a few months out from hitting 60. She reckons she's never changed her investment options. So she has no idea how she is in the investment mix that she is in. But according to her previous research, she's very, very aggressive. And all of her answers have been very, very aggressive as well. She's like, I'm not really relying on it. Let's just go hard. So let's see how you go with her. But, yeah, she I think they're more reliant on their properties in retirement and the sale of her business. Awesome. She's booked in for Tuesday at ten, and I've already linked in the calendar booking. Cool. I'll get it for you. Thanks for holding. So I've got Larissa on the line. I'll I'll let her know that we're a little bit pressed for time. So she can just run through everything that she can as quick as possible, and we'll try to get out of your hair. Great. Thank you. Thanks so much. Alright. Take care. Bye. Bye. Hello. Good. Thank you. Okay. Thank you. Yeah. That's good. Yep. Yep. Yep. No. Just because my mom just come out of hospital, and so I thought I'm I'm just here helping her today. But I don't think I need to do it right now. Like, I've got a little bit of time to think about that sort of stuff. Yep. Yep. Okay. Yeah. Cool. Yep. Alright. Mhmm. Mhmm. Yes. Well, I kind of live in both of them. Mainly live in Brisbane, but every second weekend from Friday to Monday, we go down to Wollongongera. So we sort of got our own businesses. So, you know, just go down there. I do a bit of work down there, and then, yeah, come back. So Friday and Monday every second weekend. Yeah. No. No way. No. No way. No. Yeah. Yeah. Definitely. Let get way down the track kind of six I guess, five to six years. Yep. Yep. Mhmm. Yes. Mhmm. Yep. I think so. Yeah. I'd like to look at it, change it up a bit as as as the close time is getting you know, the closing date's getting closer. So it would be good to really start to look at it because I never pay any interest in it. So I really should start looking and, yeah, thinking about it. Yep. Yeah. Yep. No. It's still tighter. Yes. Mhmm. No. And I know that it probably not now. It's just a cash flow thing. You know, we pour all the money in the beginning to manufacture the clothes, send the clothes to the shops, and then they pay us back. So we're always having to pay up front. So that's why the cash flow is an issue, but I guess getting some money in the bank with our own backing before we go into a new season would be good. But we we are creeping forward. With every season, we do get a bit more in the positive. Yeah. And this season has been big, so it will be interesting to see once it's all done and dusted where we're sitting once they've all paid up. Mhmm. Yeah. Yeah. Would be good too. Yep. Mhmm. Yep. Yeah. I just yeah. I'm okay with that. Yeah. Yeah. I think I am. Yeah. I feel like it's for, you know, fifty years, so I can't see. I think so. I'm pretty happy just with the last cover. Just knowing that everything would be paid off if I wasn't here, which is good to know. But yeah. Yep. Mhmm. Okay. Yeah. Okay. Yeah. If you can find a cheaper one, that'd be and even maybe less. Does does it need to be? Just paying off the mortgages. I mean, my wife is in she's in Queensland Health, so she's got quite a bit of super and quite a bit of insurances here, there, and everywhere. So probably only really need to pay off the debts. It's probably kind of enough, really. Yeah. Mhmm. Yep. Okay. Yes. Yep. Yeah. K. Yep. Mhmm. You know, you're gonna ask me that. She only works three days a week. So she's got a special needs child. Well, she's got a special needs daughter. So I think she might be 60, 70, something like that, thousand. She's a dental technician. 7. Yeah. Similar. Yep. Yep. Mhmm. Yeah. Okay. Yep. Yep. Yep. We could just finish this season to get to get all the money in from this season so I can see where we're at. Yeah. Yep. Okay. Thank you. Mhmm. Yep. Okay. Mhmm. Right. Thank you. Okay. Thanks. Okay. Thank you. See you. 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Alright. So she is with her mom who's just had a knee operation, so she doesn't have an abundance of time. So I'll just let her know that it'll ask you to do the speedy run through if we can. Insane no.\n\nShe is with her mom who has just had a knee operation. Okay. Now I have touched on TTR with her where there's a bit of interest in exploring that because she's only a few months out from hitting 60. She reckons she's never changed her investment options. So she has no idea how she is in the investment mix that she is in.\n\nBut according to her previous research, she's very, very aggressive. And all of her answers have been very, very aggressive as well. She's like, I'm not really relying on it. Let's just go hard. So let's see how you go with her.\n\nBut, yeah, she I think they're more reliant on their properties in retirement and the sale of her business. Awesome. She's booked in for Tuesday at ten, and I've already linked in the calendar booking. Cool. I'll get it for you.\n\nThanks for holding. So I've got Larissa on the line. I'll I'll let her know that we're a little bit pressed for time. So she can just run through everything that she can as quick as possible, and we'll try to get out of your hair. Great.\n\nThank you. Thanks so much. Alright. Take care. Bye.\n\nBye. Hello. Good. Thank you. Okay.\n\nThank you. Yeah. That's good. Yep. Yep.\n\nYep. No. Just because my mom just come out of hospital, and so I thought I'm I'm just here helping her today. But I don't think I need to do it right now. Like, I've got a little bit of time to think about that sort of stuff.\n\nYep. Yep. Okay. Yeah. Cool.\n\nYep. Alright. Mhmm. Mhmm. Yes.\n\nWell, I kind of live in both of them. Mainly live in Brisbane, but every second weekend from Friday to Monday, we go down to Wollongongera. So we sort of got our own businesses. So, you know, just go down there. I do a bit of work down there, and then, yeah, come back.\n\nSo Friday and Monday every second weekend. Yeah. No. No way. No.\n\nNo way. No. Yeah. Yeah. Definitely.\n\nLet get way down the track kind of six I guess, five to six years. Yep. Yep. Mhmm. Yes.\n\nMhmm. Yep. I think so. Yeah. I'd like to look at it, change it up a bit as as as the close time is getting you know, the closing date's getting closer.\n\nSo it would be good to really start to look at it because I never pay any interest in it. So I really should start looking and, yeah, thinking about it. Yep. Yeah. Yep.\n\nNo. It's still tighter. Yes. Mhmm. No.\n\nAnd I know that it probably not now. It's just a cash flow thing. You know, we pour all the money in the beginning to manufacture the clothes, send the clothes to the shops, and then they pay us back. So we're always having to pay up front. So that's why the cash flow is an issue, but I guess getting some money in the bank with our own backing before we go into a new season would be good.\n\nBut we we are creeping forward. With every season, we do get a bit more in the positive. Yeah. And this season has been big, so it will be interesting to see once it's all done and dusted where we're sitting once they've all paid up. Mhmm.\n\nYeah. Yeah. Would be good too. Yep. Mhmm.\n\nYep. Yeah. I just yeah. I'm okay with that. Yeah.\n\nYeah. I think I am. Yeah. I feel like it's for, you know, fifty years, so I can't see. I think so.\n\nI'm pretty happy just with the last cover. Just knowing that everything would be paid off if I wasn't here, which is good to know. But yeah. Yep. Mhmm.\n\nOkay. Yeah. Okay. Yeah. If you can find a cheaper one, that'd be and even maybe less.\n\nDoes does it need to be? Just paying off the mortgages. I mean, my wife is in she's in Queensland Health, so she's got quite a bit of super and quite a bit of insurances here, there, and everywhere. So probably only really need to pay off the debts. It's probably kind of enough, really.\n\nYeah. Mhmm. Yep. Okay. Yes.\n\nYep. Yeah. K. Yep. Mhmm.\n\nYou know, you're gonna ask me that. She only works three days a week. So she's got a special needs child. Well, she's got a special needs daughter. So I think she might be 60, 70, something like that, thousand.\n\nShe's a dental technician. 7. Yeah. Similar. Yep.\n\nYep. Mhmm. Yeah. Okay. Yep.\n\nYep. Yep. We could just finish this season to get to get all the money in from this season so I can see where we're at. Yeah. Yep.\n\nOkay. Thank you. Mhmm. Yep. Okay.\n\nMhmm. Right. Thank you. Okay. Thanks.\n\nOkay. Thank you. See you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.84,"end":4.34,"sentiment":"neutral","sentiment_score":0.0768117606639862},{"text":"Alright.","start":5.12,"end":5.52,"sentiment":"neutral","sentiment_score":0.0723988339304924},{"text":"So she is with her mom who's just had a knee operation, so she doesn't have an abundance of time.","start":5.52,"end":11.44,"sentiment":"neutral","sentiment_score":0.02418518690392375},{"text":"So I'll just let her know that it'll ask you to do the speedy run through if we can.","start":11.44,"end":15.615,"sentiment":"neutral","sentiment_score":0.05101714498902622},{"text":"Insane no.","start":16.414999,"end":18.814999,"sentiment":"neutral","sentiment_score":0.0069761723279953}],"sentiment":"neutral","sentiment_score":0.037585870514428896,"num_words":43,"start":3.84,"end":18.814999},{"sentences":[{"text":"She is with her mom who has just had a knee 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that.","start":405.7,"end":406.74002,"sentiment":"neutral","sentiment_score":0.09506367146968842},{"text":"Yeah.","start":406.74002,"end":407.24002,"sentiment":"neutral","sentiment_score":0.09804995357990264}],"sentiment":"neutral","sentiment_score":0.04858980793505907,"num_words":10,"start":397.2375,"end":407.24002},{"sentences":[{"text":"Yeah.","start":407.94,"end":408.44,"sentiment":"neutral","sentiment_score":0.08090387284755707},{"text":"I think I am.","start":409.14,"end":410.02002,"sentiment":"neutral","sentiment_score":0.03381911851465702},{"text":"Yeah.","start":410.02002,"end":410.52002,"sentiment":"neutral","sentiment_score":0.008176777511835098},{"text":"I feel like it's for, you know, fifty years, so I can't see.","start":410.74002,"end":414.36002,"sentiment":"neutral","sentiment_score":-0.05850648736724487},{"text":"I think so.","start":414.66,"end":415.30002,"sentiment":"neutral","sentiment_score":-0.03542568658788999}],"sentiment":"neutral","sentiment_score":-0.029204739596356045,"num_words":22,"start":407.94,"end":415.30002},{"sentences":[{"text":"I'm pretty happy just with the last cover.","start":415.30002,"end":417.16,"sentiment":"positive","sentiment_score":0.7639792114496231},{"text":"Just knowing that everything would be paid off if I wasn't here, which is good to know.","start":417.54,"end":422.415,"sentiment":"positive","sentiment_score":0.6525938510894775},{"text":"But yeah.","start":425.27502,"end":426.095,"sentiment":"neutral","sentiment_score":0.08314719423651695},{"text":"Yep.","start":428.635,"end":429.135,"sentiment":"neutral","sentiment_score":0.0742335394024849},{"text":"Mhmm.","start":439.57,"end":440.07,"sentiment":"neutral","sentiment_score":-0.04135768115520477}],"sentiment":"positive","sentiment_score":0.6001758416151178,"num_words":29,"start":415.30002,"end":440.07},{"sentences":[{"text":"Okay.","start":451.07498,"end":451.57498,"sentiment":"neutral","sentiment_score":-0.017837287858128548},{"text":"Yeah.","start":456.835,"end":457.235,"sentiment":"neutral","sentiment_score":0.00691346637904644},{"text":"Okay.","start":457.235,"end":457.735,"sentiment":"neutral","sentiment_score":0.013786599971354008},{"text":"Yeah.","start":458.19498,"end":458.435,"sentiment":"neutral","sentiment_score":0.016943160444498062},{"text":"If you can find a cheaper one, that'd be and even maybe less.","start":458.435,"end":461.57498,"sentiment":"neutral","sentiment_score":0.013202482691177955}],"sentiment":"neutral","sentiment_score":0.011261071407181375,"num_words":17,"start":451.07498,"end":461.57498},{"sentences":[{"text":"Does does it need to be?","start":461.63498,"end":463.26,"sentiment":"neutral","sentiment_score":-0.014765033343185982},{"text":"Just paying off the mortgages.","start":463.34,"end":464.72,"sentiment":"neutral","sentiment_score":-0.04465114250779152},{"text":"I mean, my wife is in she's in Queensland Health, so she's got quite a bit of super and quite a bit of insurances here, there, and everywhere.","start":464.86002,"end":475.1,"sentiment":"neutral","sentiment_score":-0.03486363423456039},{"text":"So probably only really need to pay off the debts.","start":475.1,"end":479.315,"sentiment":"neutral","sentiment_score":-0.06761309392750263},{"text":"It's probably kind of enough, really.","start":479.775,"end":481.875,"sentiment":"neutral","sentiment_score":-0.024141802142063778}],"sentiment":"neutral","sentiment_score":-0.0383456258780577,"num_words":55,"start":461.63498,"end":481.875},{"sentences":[{"text":"Yeah.","start":482.175,"end":482.675,"sentiment":"neutral","sentiment_score":0.04586011916399002},{"text":"Mhmm.","start":487.375,"end":487.875,"sentiment":"neutral","sentiment_score":0.06521452218294144},{"text":"Yep.","start":491.64,"end":492.14,"sentiment":"neutral","sentiment_score":0.04921677336096763},{"text":"Okay.","start":494.12,"end":494.62,"sentiment":"neutral","sentiment_score":0.05868781730532646},{"text":"Yes.","start":496.52,"end":497.02,"sentiment":"neutral","sentiment_score":0.07289540022611618}],"sentiment":"neutral","sentiment_score":0.05837492644786835,"num_words":5,"start":482.175,"end":497.02},{"sentences":[{"text":"Yep.","start":497.08002,"end":497.58002,"sentiment":"neutral","sentiment_score":0.06000534817576408},{"text":"Yeah.","start":502.36002,"end":502.68,"sentiment":"neutral","sentiment_score":0.04794289916753769},{"text":"K.","start":502.68,"end":503.18,"sentiment":"neutral","sentiment_score":0.028452645987272263},{"text":"Yep.","start":508.085,"end":508.585,"sentiment":"neutral","sentiment_score":0.0505339615046978},{"text":"Mhmm.","start":512.885,"end":513.385,"sentiment":"neutral","sentiment_score":0.022749193012714383}],"sentiment":"neutral","sentiment_score":0.04193680956959724,"num_words":5,"start":497.08002,"end":513.385},{"sentences":[{"text":"You know, you're gonna ask me that.","start":513.845,"end":515.865,"sentiment":"neutral","sentiment_score":0.016796853659408435},{"text":"She only works three days a week.","start":518.085,"end":519.54,"sentiment":"neutral","sentiment_score":0.039941382727452686},{"text":"So she's got a special needs child.","start":520.57996,"end":522.42,"sentiment":"neutral","sentiment_score":0.03935925702431372},{"text":"Well, she's got a special needs daughter.","start":522.42,"end":523.95996,"sentiment":"neutral","sentiment_score":0.028541947848030498},{"text":"So I think she might be 60, 70, something like that, thousand.","start":525.69995,"end":530.44,"sentiment":"neutral","sentiment_score":0.026167055126279593}],"sentiment":"neutral","sentiment_score":0.029662018758244812,"num_words":40,"start":513.845,"end":530.44},{"sentences":[{"text":"She's a dental technician.","start":530.57996,"end":531.72,"sentiment":"neutral","sentiment_score":0.015601067338138819},{"text":"7.","start":533.875,"end":534.355,"sentiment":"neutral","sentiment_score":0.015252083539962769},{"text":"Yeah.","start":534.355,"end":534.675,"sentiment":"neutral","sentiment_score":0.014113985933363438},{"text":"Similar.","start":534.675,"end":535.175,"sentiment":"neutral","sentiment_score":0.008909279480576515},{"text":"Yep.","start":535.315,"end":535.815,"sentiment":"neutral","sentiment_score":0.015504961833357813}],"sentiment":"neutral","sentiment_score":0.014523072517476976,"num_words":8,"start":530.57996,"end":535.815},{"sentences":[{"text":"Yep.","start":536.59503,"end":537.09503,"sentiment":"neutral","sentiment_score":0.18709957599639893},{"text":"Mhmm.","start":546.0,"end":546.5,"sentiment":"neutral","sentiment_score":0.06851011514663696},{"text":"Yeah.","start":554.72003,"end":555.2,"sentiment":"neutral","sentiment_score":0.07897529006004333},{"text":"Okay.","start":555.2,"end":555.7,"sentiment":"neutral","sentiment_score":0.0760296881198883},{"text":"Yep.","start":559.84,"end":560.34,"sentiment":"neutral","sentiment_score":0.06765584647655487}],"sentiment":"neutral","sentiment_score":0.09565410315990448,"num_words":5,"start":536.59503,"end":560.34},{"sentences":[{"text":"Yep.","start":563.815,"end":564.055,"sentiment":"neutral","sentiment_score":0.006946025416254997},{"text":"Yep.","start":564.055,"end":564.555,"sentiment":"neutral","sentiment_score":0.022529779002070427},{"text":"We could just finish this season to get to get all the money in from this season so I can see where we're at.","start":565.65497,"end":572.955,"sentiment":"neutral","sentiment_score":0.04878016786339382},{"text":"Yeah.","start":573.975,"end":574.475,"sentiment":"neutral","sentiment_score":0.04333366081118584},{"text":"Yep.","start":574.615,"end":575.04,"sentiment":"neutral","sentiment_score":0.04166882857680321}],"sentiment":"neutral","sentiment_score":0.04590008294742022,"num_words":28,"start":563.815,"end":575.04},{"sentences":[{"text":"Okay.","start":579.92,"end":580.32,"sentiment":"neutral","sentiment_score":0.11752092838287354},{"text":"Thank you.","start":580.32,"end":581.06,"sentiment":"positive","sentiment_score":0.33653080463409424},{"text":"Mhmm.","start":584.07996,"end":584.57996,"sentiment":"neutral","sentiment_score":0.03716631233692169},{"text":"Yep.","start":599.795,"end":600.295,"sentiment":"neutral","sentiment_score":0.09487076848745346},{"text":"Okay.","start":606.02,"end":606.52,"sentiment":"neutral","sentiment_score":0.03396165370941162}],"sentiment":"neutral","sentiment_score":0.15943021203080812,"num_words":6,"start":579.92,"end":606.52},{"sentences":[{"text":"Mhmm.","start":609.9,"end":610.4,"sentiment":"neutral","sentiment_score":0.07339717447757721},{"text":"Right.","start":613.78,"end":614.26,"sentiment":"neutral","sentiment_score":0.23285211622714996},{"text":"Thank you.","start":614.26,"end":615.0,"sentiment":"positive","sentiment_score":0.3922368735074997},{"text":"Okay.","start":621.725,"end":622.125,"sentiment":"neutral","sentiment_score":0.15477673709392548},{"text":"Thanks.","start":622.125,"end":622.625,"sentiment":"neutral","sentiment_score":0.2622074782848358}],"sentiment":"neutral","sentiment_score":0.2512845421830813,"num_words":6,"start":609.9,"end":622.625},{"sentences":[{"text":"Okay.","start":623.32495,"end":623.82495,"sentiment":"positive","sentiment_score":0.47287940979003906},{"text":"Thank you.","start":623.96497,"end":624.70496,"sentiment":"positive","sentiment_score":0.8105455040931702},{"text":"See you.","start":624.845,"end":625.50494,"sentiment":"positive","sentiment_score":0.6122744083404541},{"text":"Bye.","start":625.96497,"end":626.46497,"sentiment":"neutral","sentiment_score":0.20439402759075165}],"sentiment":"positive","sentiment_score":0.5871522103746732,"num_words":6,"start":623.32495,"end":626.46497}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon.\n\nChannel 1: Hello? Alright. So she is with her mom who's just had a knee operation, so she doesn't have an abundance of time. So I'll just let her know that it'll ask you to do the speedy run through if we can.\n\nChannel 0: Did you say\n\nChannel 1: Insane\n\nChannel 0: she's about to have in the operation?\n\nChannel 1: no. She is with her mom who has just had a knee operation.\n\nChannel 0: Valid. Fair. Cool. Yep.\n\nChannel 1: Okay. Now I have touched on TTR with her where there's a bit of interest in exploring that because she's only a few months out from hitting 60. She reckons she's never changed her investment options. So she has no idea how she is in the investment mix that she is in. But according to her previous research, she's very, very aggressive.\n\nAnd all of her\n\nChannel 0: Yeah.\n\nChannel 1: answers have been very, very aggressive as well. She's like, I'm not really relying on it. Let's just go hard. So let's see\n\nChannel 0: Love\n\nChannel 1: how\n\nChannel 0: it.\n\nChannel 1: you go with her. But, yeah, she I think they're more reliant on their properties in retirement and the sale of her business.\n\nChannel 0: Cool. Oh, let's\n\nChannel 1: Awesome.\n\nChannel 0: let's do it.\n\nChannel 1: She's booked in for Tuesday at ten, and I've already linked in the calendar booking.\n\nChannel 0: Fantastic.\n\nChannel 1: Cool. I'll get it for you. Thanks for holding. So I've got Larissa on the line. I'll I'll let her know that we're a little bit pressed for time.\n\nSo she can just run through everything that she can as quick as possible, and we'll try to get out of your hair. Great. Thank you. Thanks so much. Alright.\n\nTake care. Bye. Bye.\n\nChannel 0: Hi, Donna. My name is Larissa. How are you going?\n\nChannel 1: Hello. Good. Thank you.\n\nChannel 0: That's good. I will keep this short and sharp, and I hope mom's\n\nChannel 1: Okay.\n\nChannel 0: going\n\nChannel 1: Thank\n\nChannel 0: okay.\n\nChannel 1: you. Yeah.\n\nChannel 0: So my role as a financial adviser is to realistically\n\nChannel 1: That's good.\n\nChannel 0: look at you as an individual. Your goals are individual to anyone else, And the whole point in this conversation allows me to tailor a plan to you. Now I know that you spend\n\nChannel 1: Yep.\n\nChannel 0: a lot of time with my team giving information and data.\n\nChannel 1: Yep.\n\nChannel 0: This is, like, the culmination of everything. I understand that we have, like, the business that we run, and we're looking to probably wind that up in the next five years.\n\nChannel 1: Yep.\n\nChannel 0: Are we looking to like, do you wanna look at getting advice on that now, or is that something you're\n\nChannel 1: No.\n\nChannel 0: wanting to sort of look at\n\nChannel 1: Just because\n\nChannel 0: a little\n\nChannel 1: my\n\nChannel 0: bit\n\nChannel 1: mom\n\nChannel 0: later?\n\nChannel 1: just come out of hospital, and so I thought I'm I'm just here helping her today. But I don't think I need to do it right now. Like, I've got a little bit of time\n\nChannel 0: No.\n\nChannel 1: to\n\nChannel 0: Yeah.\n\nChannel 1: think\n\nChannel 0: It's\n\nChannel 1: about\n\nChannel 0: always\n\nChannel 1: that sort\n\nChannel 0: something\n\nChannel 1: of stuff.\n\nChannel 0: we can we can rope into later\n\nChannel 1: Yep.\n\nChannel 0: that we don't have to we don't have to eat everything in one go. We can definitely\n\nChannel 1: Yep. Okay.\n\nChannel 0: portion it\n\nChannel 1: Yeah.\n\nChannel 0: out.\n\nChannel 1: Cool. Yep. Alright.\n\nChannel 0: Perfect. Now I understand, like, we have the properties, and we're very, very much focused on those properties.\n\nChannel 1: Mhmm.\n\nChannel 0: And we've\n\nChannel 1: Mhmm.\n\nChannel 0: got two different properties in two different names. Can\n\nChannel 1: Yes.\n\nChannel 0: I just confirm which one is it that we're living in? The property\n\nChannel 1: Well, I\n\nChannel 0: worth\n\nChannel 1: kind of live\n\nChannel 0: 60\n\nChannel 1: in both of them. Mainly live in Brisbane, but every second weekend from Friday to Monday, we go down to Wollongongera.\n\nChannel 0: Yep. Okay.\n\nChannel 1: So we sort of got our own businesses. So, you know, just go down there. I do a bit of work down there, and then, yeah, come back. So Friday\n\nChannel 0: Perfect.\n\nChannel 1: and Monday every second weekend. Yeah.\n\nChannel 0: Okay. Okay. And are we renting out the property while it's not in\n\nChannel 1: No.\n\nChannel 0: use or no?\n\nChannel 1: No way. No. No way.\n\nChannel 0: No.\n\nChannel 1: No.\n\nChannel 0: No. That's okay. But we're possibly looking to, like, sell one of them just to help fund some of the retirement.\n\nChannel 1: Yeah. Yeah. Definitely.\n\nChannel 0: Yep.\n\nChannel 1: Let get way down the track kind of six\n\nChannel 0: Yeah.\n\nChannel 1: I guess, five to six years.\n\nChannel 0: Yeah. Well, something definitely that that's worthwhile doing when when we've retired, We can we\n\nChannel 1: Yep.\n\nChannel 0: can definitely look at that. Perfect. Now we're looking at retiring at 66.\n\nChannel 1: Yep.\n\nChannel 0: So we're kind of about six years off, which is great. And we're only a few months away from 60, so there's\n\nChannel 1: Mhmm.\n\nChannel 0: some\n\nChannel 1: Yes.\n\nChannel 0: definite tax saving strategies that\n\nChannel 1: Mhmm.\n\nChannel 0: we can look at if you're really in looking at, like, tax savings and tax mitigation. That's something that, like, you're\n\nChannel 1: Yep.\n\nChannel 0: you're happy\n\nChannel 1: I\n\nChannel 0: to\n\nChannel 1: think\n\nChannel 0: look\n\nChannel 1: so.\n\nChannel 0: at sort\n\nChannel 1: Yeah.\n\nChannel 0: of,\n\nChannel 1: I'd\n\nChannel 0: like\n\nChannel 1: like to look at it, change it up a bit as as as the close time is getting you know, the closing date's getting closer. So it would be good to really start to look at it because I never pay any interest in it. So I really should start looking\n\nChannel 0: No.\n\nChannel 1: and,\n\nChannel 0: That\n\nChannel 1: yeah, thinking about\n\nChannel 0: that's perfect.\n\nChannel 1: it.\n\nChannel 0: Yeah. Now we have the the business. I just wanna double check that the business is, like, your, like, design business. Correct?\n\nChannel 1: Yep. Yeah.\n\nChannel 0: Cool. Just wanted to make sure it was one one and the same. And you're currently generating an income for yourself of $68,000, which is great. Now is that a\n\nChannel 1: Yep.\n\nChannel 0: company structure,\n\nChannel 1: No.\n\nChannel 0: like, Fultrade\n\nChannel 1: It's still tighter.\n\nChannel 0: our partnership? Yep. No. Perfect. Just good to have a grasp on how we structured the business.\n\nAnd then I I also see that we have a little bit of business debts as\n\nChannel 1: Yes.\n\nChannel 0: well that you're wanting to sort of look at getting on top of. Do we wanna look at advice on trying to get on top of those now, or do we wanna sort of look\n\nChannel 1: Mhmm.\n\nChannel 0: at it\n\nChannel 1: No.\n\nChannel 0: in\n\nChannel 1: And\n\nChannel 0: three\n\nChannel 1: I know\n\nChannel 0: to six\n\nChannel 1: that\n\nChannel 0: months?\n\nChannel 1: it probably not now. It's just a cash flow thing. You know, we pour\n\nChannel 0: Yeah.\n\nChannel 1: all the money in the beginning to manufacture the clothes, send\n\nChannel 0: Yeah.\n\nChannel 1: the clothes to the shops, and then they pay us back. So we're always having to pay up front.\n\nChannel 0: Yeah.\n\nChannel 1: So that's why the cash flow is an issue, but I guess getting some money in the bank with our own backing before we go into a new season would be good. But we we are creeping forward. With every season, we do get a bit more\n\nChannel 0: A\n\nChannel 1: in the\n\nChannel 0: bit\n\nChannel 1: positive.\n\nChannel 0: more.\n\nChannel 1: Yeah.\n\nChannel 0: Good.\n\nChannel 1: And this\n\nChannel 0: No.\n\nChannel 1: season has been big, so it will be interesting to see once it's all done and dusted where we're sitting\n\nChannel 0: Perfect.\n\nChannel 1: once they've all paid up.\n\nChannel 0: Yeah. Okay. That's okay. It's something we can definitely look at, like, cash flow wise\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: down the track if if you wanna sort of, like, investigate that side\n\nChannel 1: Yeah.\n\nChannel 0: of thing.\n\nChannel 1: Would be good too. Yep.\n\nChannel 0: Perfect. Okay. Now with our superannuation, I know we're pretty aggressively invested. The team had a look over the accounts and have provided me with a rundown of how your investments are split. So I will have a look into those investments, what they're returning, and,\n\nChannel 1: Mhmm.\n\nChannel 0: ultimately, I guess, what they're actually invested in and what what your diversification is.\n\nChannel 1: Yep.\n\nChannel 0: In terms of the insurance that you hold in that account, you currently only hold life insurance. Is that\n\nChannel 1: Yeah.\n\nChannel 0: something\n\nChannel 1: I\n\nChannel 0: that you're\n\nChannel 1: just yeah. I'm okay\n\nChannel 0: you're\n\nChannel 1: with that. Yeah.\n\nChannel 0: happy with just\n\nChannel 1: Yeah.\n\nChannel 0: the life cover?\n\nChannel 1: I think I am. Yeah. I feel like it's for, you know, fifty years, so I can't see. I think so. I'm pretty happy just with the last cover.\n\nJust knowing that everything would be paid off if I wasn't here, which is good to know.\n\nChannel 0: Amazing. No.\n\nChannel 1: But\n\nChannel 0: That's\n\nChannel 1: yeah.\n\nChannel 0: definitely the way that we would\n\nChannel 1: Yep.\n\nChannel 0: unfortunately, the way it flows, but it does very much cover the debts that you guys currently have outstanding and leave a little bit of room left over\n\nChannel 1: Mhmm.\n\nChannel 0: for the family as well. So I can I what I'll do is I'll have a look at alternative providers that you do that are available? Because ultimately\n\nChannel 1: Okay.\n\nChannel 0: speaking, you are paying a little bit for that policy at moment.\n\nChannel 1: Yeah. Okay. Yeah.\n\nChannel 0: So\n\nChannel 1: If you\n\nChannel 0: I'll have a\n\nChannel 1: can find a cheaper one, that'd be and\n\nChannel 0: yeah.\n\nChannel 1: even maybe less. Does does it need to be? Just paying off the mortgages. I mean, my wife is in she's in Queensland Health, so she's got quite a bit of super and quite a bit of insurances here, there, and everywhere. So probably\n\nChannel 0: Yeah.\n\nChannel 1: only really need to pay off the debts. It's probably kind of enough, really. Yeah.\n\nChannel 0: Yeah. Absolutely. Yeah. I can definitely look at just covering the debt. So, I mean,\n\nChannel 1: Mhmm.\n\nChannel 0: realistically, like, if we look at all the debt business and everything, we're looking at it to,\n\nChannel 1: Yep.\n\nChannel 0: like, 483,000. So\n\nChannel 1: Okay.\n\nChannel 0: I'll look at that half mil just because when we push\n\nChannel 1: Yes.\n\nChannel 0: it that little\n\nChannel 1: Yep.\n\nChannel 0: bit further to that half mil bracket, a, it keeps it round, and, b, generally, it's cheaper than going\n\nChannel 1: Yeah.\n\nChannel 0: to, like,\n\nChannel 1: K.\n\nChannel 0: $8.48, $8.90. So I'll look in that range and go from there.\n\nChannel 1: Yep.\n\nChannel 0: Can I ask how much does your wife earn per year just\n\nChannel 1: Mhmm.\n\nChannel 0: so I have a bit of a\n\nChannel 1: You\n\nChannel 0: gauge?\n\nChannel 1: know, you're gonna ask me that. She only works three days a week. So she's\n\nChannel 0: Lucky.\n\nChannel 1: got a special needs child. Well, she's got a special needs daughter.\n\nChannel 0: Yeah.\n\nChannel 1: So I think she might be 60, 70, something like that, thousand. She's\n\nChannel 0: Okay.\n\nChannel 1: a dental technician.\n\nChannel 0: So around around the same\n\nChannel 1: 7. Yeah.\n\nChannel 0: tax\n\nChannel 1: Similar.\n\nChannel 0: bracket as\n\nChannel 1: Yep.\n\nChannel 0: yourself. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. No. That's amazing. So what what I can do is I'll have a look at the super the super fund. I'll have a look\n\nChannel 1: Mhmm.\n\nChannel 0: at the insurance policy. And then, I guess, at the moment, we can park the business advice. We\n\nChannel 1: Yeah.\n\nChannel 0: can park\n\nChannel 1: Okay.\n\nChannel 0: the cash flow advice as well, and we can circle\n\nChannel 1: Yep.\n\nChannel 0: back to it. A, probably, you're not in the hospital helping mom out, and\n\nChannel 1: Yep.\n\nChannel 0: b,\n\nChannel 1: Yep. We\n\nChannel 0: once\n\nChannel 1: could just\n\nChannel 0: you've\n\nChannel 1: finish\n\nChannel 0: had\n\nChannel 1: this\n\nChannel 0: a chance,\n\nChannel 1: season\n\nChannel 0: so, like\n\nChannel 1: to get to get all the money in from this season so I can see where\n\nChannel 0: where\n\nChannel 1: we're\n\nChannel 0: the\n\nChannel 1: at.\n\nChannel 0: business actually fits. Yeah.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: No. Abs absolutely. Alright. Well, I will let you go. I've\n\nChannel 1: Okay. Thank you.\n\nChannel 0: got a good understanding of where everything sits. Of course, if anything\n\nChannel 1: Mhmm.\n\nChannel 0: pops up while I'm researching everything because, ultimately, what I do from here is I go away and I start researching your current provider, the investment options that you have, how they're actually the underlying assets within those and how it's structured. And then I\n\nChannel 1: Yep.\n\nChannel 0: can pair that to alternatives to see what we can do outcome wise for your retirement, have a look at insurance\n\nChannel 1: Okay.\n\nChannel 0: providers, and then package it all together into what's called a statement of advice.\n\nChannel 1: Mhmm.\n\nChannel 0: And then when we get together again on Tuesday, I can present that to you.\n\nChannel 1: Right. Thank you.\n\nChannel 0: No. That's okay. I'm looking forward to it, Donald, and I will I'll let you go so you can go look after mom, and\n\nChannel 1: Okay.\n\nChannel 0: we'll speak\n\nChannel 1: Thanks.\n\nChannel 0: then.\n\nChannel 1: Okay. Thank you. See you.\n\nChannel 0: Bye,\n\nChannel 1: Bye.\n\nChannel 0: doll. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":2.32,"end":2.98,"sentiment":"neutral","sentiment_score":0.19403910636901855}],"sentiment":"neutral","sentiment_score":0.19403910636901855,"channel":0,"num_words":2,"start":2.32,"end":2.98},{"sentences":[{"text":"Hello?","start":3.84,"end":4.34,"sentiment":"neutral","sentiment_score":0.0768117606639862},{"text":"Alright.","start":5.12,"end":5.52,"sentiment":"neutral","sentiment_score":0.0723988339304924},{"text":"So she is with her mom who's just had a knee operation, so she doesn't have an abundance of time.","start":5.52,"end":11.44,"sentiment":"neutral","sentiment_score":0.02418518690392375},{"text":"So I'll just let her know that it'll ask you to do the speedy run through if we can.","start":11.44,"end":15.615,"sentiment":"neutral","sentiment_score":0.05101714498902622}],"sentiment":"neutral","sentiment_score":0.039079026523523214,"channel":1,"num_words":41,"start":3.84,"end":15.615},{"sentences":[{"text":"Did you 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financial adviser speaks with Donna, who is in the process of getting a knee operation. Donna's investment mix is aggressive and they discuss her retirement plans and business structure. The adviser suggests tax savings and tax mitigation strategies and discusses their investment strategy and coverage for debts. They also mention their current mortgage, wife's health issues, and their interest in tax savings and tax mitigation strategies. The speaker emphasizes the importance of cash flow and discusses their investments and debts, including their current mortgage and their wife's health issues. They plan to research their current provider and investment options before presenting a plan for retirement."},"intents":{"segments":[{"text":"So she is with her mom who's just had a knee operation, so she doesn't have an abundance of time. So I'll just let her know that it'll ask you to do the speedy run through if we can. Did you say Insane she's about to have in the operation? no. She is with her mom who has just had a knee operation. Valid.","start_word":4,"end_word":67,"intents":[{"intent":"Schedule knee operation","confidence_score":0.015960256}]},{"text":"She reckons she's never changed her investment options. So she has no idea how she is in the investment mix that she is in. But according to her previous research, she's very, very aggressive. And all of her Yeah.","start_word":99,"end_word":137,"intents":[{"intent":"Evaluate investment options","confidence_score":0.010910923}]},{"text":"So I've got Larissa on the line. I'll I'll let her know that we're a little bit pressed for time. So she can just run through everything that she can as quick as possible, and we'll try to get out of your hair. Great. Thank you.","start_word":219,"end_word":264,"intents":[{"intent":"Schedule hair appointment","confidence_score":0.00990365}]},{"text":"look at you as an individual. Your goals are individual to anyone else, And the whole point in this conversation allows me to tailor a plan to you.","start_word":318,"end_word":345,"intents":[{"intent":"Explaining plan","confidence_score":0.0009846847}]},{"text":"look at you as an individual. Your goals are individual to anyone else, And the whole point in this conversation allows me to tailor a plan to you. Now I know that you spend Yep. a lot of time with my team giving information and data. Yep.","start_word":318,"end_word":364,"intents":[{"intent":"Describeing personal schedule","confidence_score":0.0000031289778}]},{"text":"a lot of time with my team giving information and data. Yep.","start_word":353,"end_word":364,"intents":[{"intent":"Providing information","confidence_score":0.063310005}]},{"text":"I understand that we have, like, the business that we run, and we're looking to probably wind that up in the next five years.","start_word":372,"end_word":395,"intents":[{"intent":"Expressing intent to wind up business","confidence_score":0.00001412437}]},{"text":"I understand that we have, like, the business that we run, and we're looking to probably wind that up in the next five years. Yep.","start_word":372,"end_word":396,"intents":[{"intent":"Expressing concern about future","confidence_score":6.4152e-8}]},{"text":"Alright. Perfect.","start_word":512,"end_word":513,"intents":[{"intent":"Expressing appreciation","confidence_score":0.0010864086}]},{"text":"I just confirm which one is it that we're living in?","start_word":545,"end_word":555,"intents":[{"intent":"Confirming location","confidence_score":0.089671716}]},{"text":"So we sort of got our own businesses. So, you know, just go down there. I do a bit of work down there, and then, yeah, come back. So Friday Perfect.","start_word":588,"end_word":618,"intents":[{"intent":"Expressing intention to do own business","confidence_score":6.268176e-8}]},{"text":"down the track if if you wanna sort of, like, investigate that side Yeah. of thing.","start_word":1139,"end_word":1154,"intents":[{"intent":"Examine investments","confidence_score":0.019858956}]},{"text":"So I can I what I'll do is I'll have a look at alternative providers that you do that are available? Because ultimately Okay.","start_word":1353,"end_word":1376,"intents":[{"intent":"Find cheaper alternative provider","confidence_score":0.0017848201}]},{"text":"I'll look at that half mil just because when we push Yes. it that little Yep. bit further to that half mil bracket, a, it keeps it round, and, b, generally, it's cheaper than going Yeah. to, like, K. $8.48, $8.90. So I'll look in that range and go from there. Yep.","start_word":1505,"end_word":1556,"intents":[{"intent":"Look at budget","confidence_score":0.0052977223}]},{"text":"Can I ask how much does your wife earn per year just Mhmm.","start_word":1557,"end_word":1569,"intents":[{"intent":"Determine husband's income","confidence_score":0.016356973}]},{"text":"can pair that to alternatives to see what we can do outcome wise for your retirement, have a look at insurance Okay. providers, and then package it all together into what's called a statement of advice. Mhmm.","start_word":1828,"end_word":1864,"intents":[{"intent":"Provide advice","confidence_score":0.015299245}]}]},"sentiments":{"segments":[{"text":"Good afternoon. Hello? Alright. So she is with her mom who's just had a knee operation, so she doesn't have an abundance of time. So I'll just let her know that it'll ask you to do the speedy run through if we can. Did you say Insane she's about to have in the operation? no. She is with her mom who has just had a knee operation. Valid. Fair. Cool. Yep. Okay. Now I have touched on TTR with her where there's a bit of interest in exploring that because she's only a few months out from hitting 60. She reckons she's never changed her investment options. So she has no idea how she is in the investment mix that she is in. But according to her previous research, she's very, very aggressive. And all of her Yeah. answers have been very, very aggressive as well. She's like, I'm not really relying on it. Let's just go hard. So let's see Love how it. you go with her. But, yeah, she I think they're more reliant on their properties in retirement and the sale of her business. Cool. Oh, let's Awesome. let's do it. She's booked in for Tuesday at ten, and I've already linked in the calendar booking.","start_word":0,"end_word":208,"sentiment":"neutral","sentiment_score":-0.005027543753385544},{"text":"Fantastic. Cool. I'll get it for you. Thanks for holding.","start_word":209,"end_word":218,"sentiment":"positive","sentiment_score":0.4344455599784851},{"text":"So I've got Larissa on the line. I'll I'll let her know that we're a little bit pressed for time. So she can just run through everything that she can as quick as possible, and we'll try to get out of your hair.","start_word":219,"end_word":261,"sentiment":"neutral","sentiment_score":0.0835212767124176},{"text":"Great. Thank you. Thanks so much.","start_word":262,"end_word":267,"sentiment":"positive","sentiment_score":0.5156314969062805},{"text":"Alright. Take care. Bye. Bye. Hi, Donna. My name is Larissa. How are you going? Hello. Good.","start_word":268,"end_word":284,"sentiment":"neutral","sentiment_score":0.14932894706726074},{"text":"Thank you. That's good.","start_word":285,"end_word":288,"sentiment":"positive","sentiment_score":0.3942453861236572},{"text":"I will keep this short and sharp, and I hope mom's Okay. going Thank okay. you. Yeah. So my role as a financial adviser is to realistically That's good.","start_word":289,"end_word":317,"sentiment":"neutral","sentiment_score":0.16434090507441554},{"text":"look at you as an individual. Your goals are individual to anyone else, And the whole point in this conversation allows me to tailor a plan to you.","start_word":318,"end_word":345,"sentiment":"positive","sentiment_score":0.4320806860923767},{"text":"Now I know that you spend Yep. a lot of time with my team giving information and data. Yep. This is, like, the culmination of everything. I understand that we have, like, the business that we run, and we're looking to probably wind that up in the next five years. Yep. Are we looking to like, do you wanna look at getting advice on that now, or is that something you're No. wanting to sort of look at Just because a little my bit mom later? just come out of hospital, and so I thought I'm I'm just here helping her today. But I don't think I need to do it right now. Like, I've got a little bit of time No. to Yeah. think It's about always that sort something of stuff. we can we can rope into later Yep. that we don't have to we don't have to eat everything in one go. We can definitely Yep. Okay. portion it Yeah. out. Cool. Yep. Alright.","start_word":346,"end_word":512,"sentiment":"neutral","sentiment_score":0.03317098692059517},{"text":"Perfect.","start_word":513,"end_word":513,"sentiment":"positive","sentiment_score":0.3485637307167053},{"text":"Now I understand, like, we have the properties, and we're very, very much focused on those properties. Mhmm. And we've Mhmm. got two different properties in two different names. Can Yes. I just confirm which one is it that we're living in? The property Well, I worth kind of live 60 in both of them. Mainly live in Brisbane, but every second weekend from Friday to Monday, we go down to Wollongongera. Yep. Okay. So we sort of got our own businesses. So, you know, just go down there. I do a bit of work down there, and then, yeah, come back. So Friday Perfect. and Monday every second weekend. Yeah. Okay. Okay. And are we renting out the property while it's not in No. use or no? No way. No. No way. No. No. No. That's okay. But we're possibly looking to, like, sell one of them just to help fund some of the retirement. Yeah. Yeah. Definitely. Yep. Let get way down the track kind of six Yeah. I guess, five to six years. Yeah. Well, something definitely that that's worthwhile doing when when we've retired, We can we Yep.","start_word":514,"end_word":705,"sentiment":"neutral","sentiment_score":0.05384886202712854},{"text":"can definitely look at that. Perfect.","start_word":706,"end_word":711,"sentiment":"positive","sentiment_score":0.4441213607788086},{"text":"Now we're looking at retiring at 66. Yep.","start_word":712,"end_word":719,"sentiment":"neutral","sentiment_score":0.2580934464931488},{"text":"So we're kind of about six years off, which is great.","start_word":720,"end_word":730,"sentiment":"positive","sentiment_score":0.34734097123146057},{"text":"And we're only a few months away from 60, so there's Mhmm. some Yes. definite tax saving strategies that Mhmm. we can look at if you're really in looking at, like, tax savings and tax mitigation. That's something that, like, you're Yep. you're happy I to think look so. at sort Yeah. of, I'd like like to look at it, change it up a bit as as as the close time is getting you know, the closing date's getting closer. So it would be good to really start to look at it because I never pay any interest in it. So I really should start looking No. and, That yeah, thinking about that's perfect. it. Yeah. Now we have the the business. I just wanna double check that the business is, like, your, like, design business. Correct? Yep. Yeah. Cool. Just wanted to make sure it was one one and the same. And you're currently generating an income for yourself of $68,000, which is great. Now is that a Yep. company structure, No. like, Fultrade It's still tighter. our partnership? Yep. No. Perfect. Just good to have a grasp on how we structured the business. And then I I also see that we have a little bit of business debts as Yes. well that you're wanting to sort of look at getting on top of. Do we wanna look at advice on trying to get on top of those now, or do we wanna sort of look Mhmm. at it No. in And three I know to six that months? it probably not now. It's just a cash flow thing. You know, we pour Yeah. all the money in the beginning to manufacture the clothes, send Yeah. the clothes to the shops, and then they pay us back. So we're always having to pay up front. Yeah. So that's why the cash flow is an issue, but I guess getting some money in the bank with our own backing before we go into a new season would be good. But we we are creeping forward. With every season, we do get a bit more A in the bit positive. more. Yeah.","start_word":731,"end_word":1091,"sentiment":"neutral","sentiment_score":0.061226361160298136},{"text":"Good.","start_word":1092,"end_word":1092,"sentiment":"positive","sentiment_score":0.38498127460479736},{"text":"And this No. season has been big, so it will be interesting to see once it's all done and dusted where we're sitting Perfect. once they've all paid up. Yeah. Okay. That's okay. It's something we can definitely look at, like, cash flow wise Mhmm. Yeah. down the track if if you wanna sort of, like, investigate that side Yeah. of thing. Would be good too. Yep. Perfect. Okay. Now with our superannuation, I know we're pretty aggressively invested. The team had a look over the accounts and have provided me with a rundown of how your investments are split. So I will have a look into those investments, what they're returning, and, Mhmm. ultimately, I guess, what they're actually invested in and what what your diversification is. Yep. In terms of the insurance that you hold in that account, you currently only hold life insurance. Is that Yeah. something I that you're just yeah. I'm okay you're with that. Yeah. happy with just Yeah. the life cover? I think I am. Yeah. I feel like it's for, you know, fifty years, so I can't see. I think so.","start_word":1093,"end_word":1281,"sentiment":"neutral","sentiment_score":0.08686236292123795},{"text":"I'm pretty happy just with the last cover. Just knowing that everything would be paid off if I wasn't here, which is good to know. Amazing.","start_word":1282,"end_word":1307,"sentiment":"positive","sentiment_score":0.674515426158905},{"text":"No. But That's yeah. definitely the way that we would Yep. unfortunately, the way it flows, but it does very much cover the debts that you guys currently have outstanding and leave a little bit of room left over Mhmm. for the family as well. So I can I what I'll do is I'll have a look at alternative providers that you do that are available? Because ultimately Okay. speaking, you are paying a little bit for that policy at moment. Yeah. Okay. Yeah. So If you I'll have a can find a cheaper one, that'd be and yeah. even maybe less. Does does it need to be? Just paying off the mortgages. I mean, my wife is in she's in Queensland Health, so she's got quite a bit of super and quite a bit of insurances here, there, and everywhere. So probably Yeah. only really need to pay off the debts. It's probably kind of enough, really. Yeah. Yeah. Absolutely. Yeah. I can definitely look at just covering the debt. So, I mean, Mhmm. realistically, like, if we look at all the debt business and everything, we're looking at it to, Yep. like, 483,000. So Okay. I'll look at that half mil just because when we push Yes. it that little Yep. bit further to that half mil bracket, a, it keeps it round, and, b, generally, it's cheaper than going Yeah. to, like, K. $8.48, $8.90. So I'll look in that range and go from there. Yep. Can I ask how much does your wife earn per year just Mhmm. so I have a bit of a You gauge? know, you're gonna ask me that. She only works three days a week. So she's Lucky. got a special needs child. Well, she's got a special needs daughter. Yeah. So I think she might be 60, 70, something like that, thousand. She's Okay. a dental technician. So around around the same 7. Yeah. tax Similar. bracket as Yep. yourself. Yeah. Yep.","start_word":1308,"end_word":1639,"sentiment":"neutral","sentiment_score":0.018652159019362135},{"text":"Perfect. No. That's amazing.","start_word":1640,"end_word":1643,"sentiment":"positive","sentiment_score":0.5643744468688965},{"text":"So what what I can do is I'll have a look at the super the super fund. I'll have a look Mhmm. at the insurance policy. And then, I guess, at the moment, we can park the business advice. We Yeah. can park Okay. the cash flow advice as well, and we can circle Yep. back to it. A, probably, you're not in the hospital helping mom out, and Yep. b, Yep. We once could just you've finish had this a chance, season so, like to get to get all the money in from this season so I can see where where we're the at. business actually fits. Yeah. Yeah. Yep. No. Abs absolutely. Alright. Well, I will let you go. I've Okay. Thank you. got a good understanding of where everything sits. Of course, if anything Mhmm. pops up while I'm researching everything because, ultimately, what I do from here is I go away and I start researching your current provider, the investment options that you have, how they're actually the underlying assets within those and how it's structured. And then I Yep. can pair that to alternatives to see what we can do outcome wise for your retirement, have a look at insurance Okay. providers, and then package it all together into what's called a statement of advice. Mhmm. And then when we get together again on Tuesday, I can present that to you. Right.","start_word":1644,"end_word":1880,"sentiment":"neutral","sentiment_score":0.07458389550447464},{"text":"Thank you.","start_word":1881,"end_word":1882,"sentiment":"positive","sentiment_score":0.3766042590141296},{"text":"No.","start_word":1883,"end_word":1883,"sentiment":"neutral","sentiment_score":0.2585594654083252},{"text":"That's okay.","start_word":1884,"end_word":1885,"sentiment":"positive","sentiment_score":0.3607537150382995},{"text":"I'm looking forward to it, Donald, and I will I'll let you go so you can go look after mom, and Okay. we'll speak Thanks. then.","start_word":1886,"end_word":1911,"sentiment":"neutral","sentiment_score":0.2881355583667755},{"text":"Okay. Thank you. See you.","start_word":1912,"end_word":1916,"sentiment":"positive","sentiment_score":0.6499349474906921},{"text":"Bye, Bye. doll. Bye.","start_word":1917,"end_word":1920,"sentiment":"neutral","sentiment_score":0.19169148802757263}],"average":{"sentiment":"neutral","sentiment_score":0.07976766454882314}}}}