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Oh, you're living it up. What? I know. It's supposed to be the same thing. They lied. No. It's alright. Honestly, don't mind a little bit of an overcast day. Just sad there's no book, wine, and blanket. Anyway, my darling no. No. You're okay. Before I do jump into it, I just need to let you know that our calls are recorded and get you to complete security for me. It's just full name, date of birth, and address. Oh, sorry. You have a password if you wanna use your cat's name. Yes. Nope. That's fine. Perfect. No. No. No. Yeah. We we we have a password on file to make it easier for you. I'm just so in the habit of name, date of birth, and address. Anyway, so I understand that you're wanting to look at commencing, like, regular pension payments and get everything set up. Yeah. Oh, okay. No. You're okay. So because you're over 60, there's no tax. You're you're good on that front. If you were prior to 60, then yes. Yes. It is taxable. So you're actually pretty, I guess, kosher on that front from a tax perspective. In terms of, I guess, the pension TTR side of things, we can definitely pivot because currently your pension account's set up for annual payments. So it's like a lump sum that comes out to you annually, but we can definitely pivot that and make it a more regular payment structure to offset the reduction to your hours. Can I can I ask how like, do you get paid weekly, fortnightly, monthly? Yeah. Perfect. So we can we can definitely have it. I mean, not that that answer really matters, but we can have it pay we can have it pay sort of on your on or on your off cycle payment wise. So, basically, like, say you got got I mean, what day do you get paid? Alright. This is an off week. Yeah. So we could have it fall basically on the same Wednesday or on the same Friday or, you know, whatever. And or we could have it fall on the off Wednesday. So, basically, every week you get a pay cycle. Generally, people who get paid fortnightly are used to fortnightly pay, so changing that kind of messes with the flow of finances. So most of my clients generally like to stick with the cycle that they're currently getting paid on. But the option the option is there. I have had the the weird, I guess, curveball where clients are like, no. Actually, I'd like to be paid every week. So it's personal preference, really. But definitely, we can structure it to be paid fortnightly, and you can kinda pick the week that it starts. And it's just a matter of, I guess, us talking about what that payment looks like because your account has to pay out at least the minimum requirement for it. And I guess we can sort of because you've reduced your hours, we can kind of talk a little bit more about maybe salary sacrificing money into the fund, paying much less tax, and structuring it a little bit that way as well. So we can kind of offset your taxable income from your employer through popping all of the money in there, getting a little bit from your employer, but most of it from your pension account to drop the tax. Yep. Yep. No. The account's being set up as an annual payment. So that was based on, I guess, the conversation that you had with the adviser at the time. But but we we can definitely change and pivot. Like, there's there's nothing saying that once it's in place that we can't change it. We are 100% able to change it. And the fact that you've reduced your hours down to four, can I ask, with the reduction to your hours, are you still comfortable with the pay you're getting, or you will be seeking a little bit more income? Yeah. A bit tight. Yep. Yeah. Mhmm. Yeah. Yeah. Okay. No. I love no. No. We can definitely explore these areas. Okay. So there's a couple of things I guess I want from you to be able to explore, and we're not gonna hang up the phone and finish the conversation. But while I'm kinda thinking about it, just so I can write it down, is I will need a current mortgage statement that has, you know, how much you have in redraw, what your interest rate is, what the term of the loan is. I also need, I guess, like, the last pay slip you have just so I understand what your actual pay looks like, hours worked, sales act arrangement, all of that, so I can work out taxable, I guess, position. That will enable me to kind of explore both of those areas because what I can actually look look at is I can look at if we draw more from your super fund to throw onto the mortgage each pay cycle, how is that going to affect your compounding return on your super fund, and how is that gonna affect the interest rate and the time variance on your mortgage. So it's, I guess, comparing if we do this scenario, what happens? If we compare this scenario, what happens? And it the scenario is money in super funds mortgage paid off. So that that's something I can definitely play with. Absolutely adore playing in that scope, being being able to see whether we can get the mortgage paid down and what that looks like. So that's gonna enable us to do that. I guess the the conversation kind of from here goes to, well, the money that you earn at the moment is getting a little bit tight. So what kind of income do you actually need per fortnight for yourself net? Go with your net income. Is it in your pocket to be able to comfortably live, have a bit of discretionary spending, pay all the bills? Yeah. Yeah. Okay. Yeah. If you if you have a look at it and, like, what I can do is I can send you an email with after we get on the phone, I'll send you an email. And in that email, I'll have a request for the documents that I just said. So that way, you have them written down and you know exactly what I'm asking for. And I can even attach a budget planner if you'd like, and you can kind of go through and fill out the budget planner because it has the availability for the things we don't always think about when we're planning our budget, like the haircut or the gym or hey. Actually, I do actually need to buy myself clothes every now and again. So it has all those kind of, I guess, little bit discretionary spending, you know, beautification type of things on that budget that'll allow you to actually kinda pop those in and actually have a more of a understanding as to what your annual income needs to be for you to live comfortably. And I can map it from there. And then if I need to cut it back to say, hey. Hey. Look, Linda, if we live this way, we're not gonna we're not gonna make it long term finance wise, then I can start having that conversation with you. But but I think, you know, based on what you're saying, it's it's it's quite reasonable $2 a fortnight. But that was a bit tight. Yeah. Can be nice. Yeah. No. No. We don't. We we don't want to at all. Well, let's do this. What I will do is let me just go and grab a few details so I can make why did I do that? I already had your file open. I just went back to the beginning. Let me Computers are never my friend, especially first thing in the morning. Fill out. That's that's absolutely okay. I had a look at your account last week when when Jacob Whitlam booked you into my calendar. So I had a list of things that I wanted to go through with you anyway. So let me just do this part first just so I could make sure that all my details are up to date that I have on you. We can go from there. So so just confirming, we're still single. We're still at Chiswick Road. Perfect. Still working in the same job we were, so still government job caseworker. Fantastic. Your income was 116. Is that still your income you're just now earning pro rata of that? It's okay. You'll you'll send you'll send your you'll send your payslips. That's okay. Asset wise, I've got the mortgage. So the primary residence, and then I've got the car. Perfect. Amazing. So that's all of that all sorted. Now I'm just gonna re refresh my memory and flick back over to my other screen to my screens. So paperwork wise that you need to fill out and complete, there are beneficiary nominations that we need to get on your account. So it means that if something happens to you if something happens to you, the super fund knows where to pay the the benefit to. Now according to my records, which is my favorite thing of the day, you were in the process of getting a will in place last year. Oh my gosh. Such pride and happiness. Perfect. So would you would you like to because there's obviously, your lawyer holds your will. Generally, it can be actually really convenient for us to hold a copy of your will as well. While there's nothing we can do with it, it means that if we ever get like, if anything happens to you and someone reaches out to us, we've already got a copy on file. So we have, I guess, a little bit of a leg up as to who we can talk to, and we have knowledge of where you've made your decisions on what to go. And it means that when it comes down to you nominating the beneficiaries, I could be a little bit more pointed as to where we're actually putting them. Because realistically speaking, you have a son who's in their early twenties. So that would indicate to me that the best place for me to send your money from your super fund would ultimately actually be your estate. So it means that we send the money to a bank account in your in your name after you passed away because we pay less tax that way. Now there is a couple of things we could actually do in, I guess, this, like, little advice piece where I could kinda do a little bit of, like, a a flip around with your account. I know that sounds a little bit haywire, but but so salary sacrifice arrangement, that is where you take money out of your gross income, pop it into your super fund, and the super fund pays the 15% taxable rate, and you save your marginal rate. There's another type of contribution type, which is where it's called non concessional or personal contributions. It's where you actually pay your your personal marginal tax rate, and you put the money into the super fund, and the super fund pays no tax. So what that means is the super fund holds that money tax free. Now when we become 60, there's this really fun thing that we get to be able to do, and that's where we can actually take all of our money out of the super and pop it back into the super fund and convert the money from a taxable portion into a tax free. And now the benefits of doing that is because when we because when we pass away, if we're nominating our funds to go to someone who is not a tax dependent for which your 23 year old wouldn't be, they actually pay 17% tax on the taxable component of the fund. Now your super fund is, like, all taxable, which means that 17% on some money. I keep pacing while I'm walking, so I'm not really looking. I'm terrible at doing that. So it it just means that there's quite a bit of tax that's kind of payable come that time, I guess. Like, it's $68,000 at the current balance. And, like, I know that that doesn't sound like a lot of money, but it just like, obviously, my hope is is that you're using this money and we're not leaving it for your son. He gets the house. Happy days. That's the hope, but I always plan for the oh ohs. So there's kind of, like, the this fun little strategy we can do to kind of flip some of that money into a tax free component to just it's called estate planning, really. It's just planning for the estate. And what we're gonna do is we're gonna save 2% tax, which I know doesn't sound like a lot, but sometimes we hate the government. When it comes to tax, we always do. So I can definitely, like, look at a strategy around that while I'm looking at everything else. And it's nothing that you you would need to do. It's literally a a form that I would send you, and I do it all internally. The money doesn't sell down. It doesn't have to be withdrawn to your bank account. It literally it all happens within a I say split second. It'll look like a split second to you. It's just a bunch of running around for me. But, basically, the money will go, out of your account into a brand new investment account. It'll if you're actually watching it, it it's kinda cool to watch live, but it just it literally just goes out of a super account, an investment account gets opened for a hot second, and then it boops back into a brand new a brand new super account. So it literally just goes boop boop. And what that does is it just converts it. It happens overnight. So it's not just something generally I get to watch either. But I have burnt the midnight oil a couple of times and watched it. And it just happens from a back end perspective, so it is really cool from that kind of purview. But, yeah, that's kind of something that we could look at doing. And what I'll do is I'll sort of look at the strategy and how it's gonna end up and how much tax it'll save and la la la la la la. But how does that sound? Yes. You do. Sorry. You have sons. It's it's just it's what what it is is basically I would I will deal with everything from a from a estate planning perspective. You send me your will, and I'll just reconfirm that your will does encompass your super fund as an asset. And all I'm gonna do is I'm gonna prefill out a document and send it to you for you to sign. And we'll do that once I get all of the ducks in a row and everything else. So from here, I guess, just to summarize, because I know I'm a bit chaotic this morning, is I will send you an email this morning that'll have I need these documents. Here's a budget attached. I'm going away for a week tomorrow. It's my ten year wedding anniversary. Yes. Thank you. Figured I would go and spend some time with the the man that created three children. He doesn't get much time these days. So so I'm going away for a week. So when I come back, if you've been able to get everything to me, including the budget, so it means that you don't have to stress about getting it done, you know, today. You have time. You get it back to me. I'll start looking at it, breaking it all down. Give me a sort of a week or two after that, and I will be able to get everything in in and prepared. And then you and I can have another conversation where I present everything to you, and then we will follow it and execute it. So there may be some heavy changes to the salary sacrifice arrangement to where your money's coming in, everything like that, but I will make sure that I step you through. So I have Maddie. She's my gorgeous administration, and she will literally I get a handhold through to get everything implemented, make sure that all the documents need to be done. We'll get those beneficiary forms done for you. I will prefill them and have everything flow through nicely that way. Mhmm. No. That's okay. So has I guess, have we touched on everything, and does everything make sense? Because I know you you wanted to sort of make sure, like, your your goals previously were to make sure that you had at least a thousand dollars a week in income, which is where that $2 of a fortnight came from. Yeah. Yeah. Look. If you if you turn around to if you turn around today and say, Larissa, I need money, I can I can get you money within the next few days? If you if you need money right now, I can I can push a pension payment through? Like, I can have it done. Yep. Yes. Okay. Yeah. Just a couple of just a little little increase. Yes. Yeah. Alright. No. Absolutely. Alright. Well, I will play the balancing game between mortgage and and the growth of the super funds and long term income needs if you get me all those documents that you have a week. I mean, you have as long as you take, but yeah. Yeah. I know. But, like, there's the there's the parental guilt because I'm I'm ditching three kids with their grandma. So my 13 year old's happy. Don't get me wrong. Yeah. Yeah. He he's he's he's over the moon. He loves going to grandma's house. But but my two I call them little ones, but they're not really my two little ones are are are less less keen. My youngest is a bit of a mama's boy, so he's literally turned around and he's like I was like, mommy and daddy are going away. He goes, do you not love me anymore? Oh, wow. Way to shoot a low kid. Yeah. I was like, wow. Just oh, right in the gut. But no. Very much looking forward to it. I yeah. Literally, I turned around. I was like, you realize we haven't had a holiday in, like, thirteen and a half, fourteen years or something. He was like, yeah. That makes sense. Yeah. Just life. Yeah. No. Not a lot, but it's enough. Yeah. Disappeared too quickly too. No. That's okay. Perfect. And if you have any if you have any issues or or questions over the next week, just give my team a call. I'm gonna leave, like, really specific instructions on file so they'll be able to do anything, and and they'll be able to help you out, or I will give you a call once I get back. No. No problem, Linda. You have a good one. We'll talk soon. 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morning, Linda. Larissa from Oakview Financial. How are you going? Yeah. Good, darling.\n\nCan't complain. It's a beautifully overcast ish day, so nice and cold. Yes, unfortunately. Oh, you're living it up. What?\n\nI know. It's supposed to be the same thing. They lied. No. It's alright.\n\nHonestly, don't mind a little bit of an overcast day. Just sad there's no book, wine, and blanket. Anyway, my darling no. No. You're okay.\n\nBefore I do jump into it, I just need to let you know that our calls are recorded and get you to complete security for me. It's just full name, date of birth, and address. Oh, sorry. You have a password if you wanna use your cat's name. Yes.\n\nNope. That's fine. Perfect. No. No.\n\nNo. Yeah. We we we have a password on file to make it easier for you. I'm just so in the habit of name, date of birth, and address. Anyway, so I understand that you're wanting to look at commencing, like, regular pension payments and get everything set up.\n\nYeah. Oh, okay. No. You're okay. So because you're over 60, there's no tax.\n\nYou're you're good on that front. If you were prior to 60, then yes. Yes. It is taxable. So you're actually pretty, I guess, kosher on that front from a tax perspective.\n\nIn terms of, I guess, the pension TTR side of things, we can definitely pivot because currently your pension account's set up for annual payments. So it's like a lump sum that comes out to you annually, but we can definitely pivot that and make it a more regular payment structure to offset the reduction to your hours. Can I can I ask how like, do you get paid weekly, fortnightly, monthly? Yeah. Perfect.\n\nSo we can we can definitely have it. I mean, not that that answer really matters, but we can have it pay we can have it pay sort of on your on or on your off cycle payment wise. So, basically, like, say you got got I mean, what day do you get paid? Alright. This is an off week.\n\nYeah. So we could have it fall basically on the same Wednesday or on the same Friday or, you know, whatever. And or we could have it fall on the off Wednesday. So, basically, every week you get a pay cycle. Generally, people who get paid fortnightly are used to fortnightly pay, so changing that kind of messes with the flow of finances.\n\nSo most of my clients generally like to stick with the cycle that they're currently getting paid on. But the option the option is there. I have had the the weird, I guess, curveball where clients are like, no. Actually, I'd like to be paid every week. So it's personal preference, really.\n\nBut definitely, we can structure it to be paid fortnightly, and you can kinda pick the week that it starts. And it's just a matter of, I guess, us talking about what that payment looks like because your account has to pay out at least the minimum requirement for it. And I guess we can sort of because you've reduced your hours, we can kind of talk a little bit more about maybe salary sacrificing money into the fund, paying much less tax, and structuring it a little bit that way as well. So we can kind of offset your taxable income from your employer through popping all of the money in there, getting a little bit from your employer, but most of it from your pension account to drop the tax. Yep.\n\nYep. No. The account's being set up as an annual payment. So that was based on, I guess, the conversation that you had with the adviser at the time. But but we we can definitely change and pivot.\n\nLike, there's there's nothing saying that once it's in place that we can't change it. We are 100% able to change it. And the fact that you've reduced your hours down to four, can I ask, with the reduction to your hours, are you still comfortable with the pay you're getting, or you will be seeking a little bit more income? Yeah. A bit tight.\n\nYep. Yeah. Mhmm. Yeah. Yeah.\n\nOkay. No. I love no. No. We can definitely explore these areas.\n\nOkay. So there's a couple of things I guess I want from you to be able to explore, and we're not gonna hang up the phone and finish the conversation. But while I'm kinda thinking about it, just so I can write it down, is I will need a current mortgage statement that has, you know, how much you have in redraw, what your interest rate is, what the term of the loan is. I also need, I guess, like, the last pay slip you have just so I understand what your actual pay looks like, hours worked, sales act arrangement, all of that, so I can work out taxable, I guess, position. That will enable me to kind of explore both of those areas because what I can actually look look at is I can look at if we draw more from your super fund to throw onto the mortgage each pay cycle, how is that going to affect your compounding return on your super fund, and how is that gonna affect the interest rate and the time variance on your mortgage.\n\nSo it's, I guess, comparing if we do this scenario, what happens? If we compare this scenario, what happens? And it the scenario is money in super funds mortgage paid off. So that that's something I can definitely play with. Absolutely adore playing in that scope, being being able to see whether we can get the mortgage paid down and what that looks like.\n\nSo that's gonna enable us to do that. I guess the the conversation kind of from here goes to, well, the money that you earn at the moment is getting a little bit tight. So what kind of income do you actually need per fortnight for yourself net? Go with your net income. Is it in your pocket to be able to comfortably live, have a bit of discretionary spending, pay all the bills?\n\nYeah. Yeah. Okay. Yeah. If you if you have a look at it and, like, what I can do is I can send you an email with after we get on the phone, I'll send you an email.\n\nAnd in that email, I'll have a request for the documents that I just said. So that way, you have them written down and you know exactly what I'm asking for. And I can even attach a budget planner if you'd like, and you can kind of go through and fill out the budget planner because it has the availability for the things we don't always think about when we're planning our budget, like the haircut or the gym or hey. Actually, I do actually need to buy myself clothes every now and again. So it has all those kind of, I guess, little bit discretionary spending, you know, beautification type of things on that budget that'll allow you to actually kinda pop those in and actually have a more of a understanding as to what your annual income needs to be for you to live comfortably.\n\nAnd I can map it from there. And then if I need to cut it back to say, hey. Hey. Look, Linda, if we live this way, we're not gonna we're not gonna make it long term finance wise, then I can start having that conversation with you. But but I think, you know, based on what you're saying, it's it's it's quite reasonable $2 a fortnight.\n\nBut that was a bit tight. Yeah. Can be nice. Yeah. No.\n\nNo. We don't. We we don't want to at all. Well, let's do this. What I will do is let me just go and grab a few details so I can make why did I do that?\n\nI already had your file open. I just went back to the beginning. Let me Computers are never my friend, especially first thing in the morning. Fill out. That's that's absolutely okay.\n\nI had a look at your account last week when when Jacob Whitlam booked you into my calendar. So I had a list of things that I wanted to go through with you anyway. So let me just do this part first just so I could make sure that all my details are up to date that I have on you. We can go from there. So so just confirming, we're still single.\n\nWe're still at Chiswick Road. Perfect. Still working in the same job we were, so still government job caseworker. Fantastic. Your income was 116.\n\nIs that still your income you're just now earning pro rata of that? It's okay. You'll you'll send you'll send your you'll send your payslips. That's okay. Asset wise, I've got the mortgage.\n\nSo the primary residence, and then I've got the car. Perfect. Amazing. So that's all of that all sorted. Now I'm just gonna re refresh my memory and flick back over to my other screen to my screens.\n\nSo paperwork wise that you need to fill out and complete, there are beneficiary nominations that we need to get on your account. So it means that if something happens to you if something happens to you, the super fund knows where to pay the the benefit to. Now according to my records, which is my favorite thing of the day, you were in the process of getting a will in place last year. Oh my gosh. Such pride and happiness.\n\nPerfect. So would you would you like to because there's obviously, your lawyer holds your will. Generally, it can be actually really convenient for us to hold a copy of your will as well. While there's nothing we can do with it, it means that if we ever get like, if anything happens to you and someone reaches out to us, we've already got a copy on file. So we have, I guess, a little bit of a leg up as to who we can talk to, and we have knowledge of where you've made your decisions on what to go.\n\nAnd it means that when it comes down to you nominating the beneficiaries, I could be a little bit more pointed as to where we're actually putting them. Because realistically speaking, you have a son who's in their early twenties. So that would indicate to me that the best place for me to send your money from your super fund would ultimately actually be your estate. So it means that we send the money to a bank account in your in your name after you passed away because we pay less tax that way. Now there is a couple of things we could actually do in, I guess, this, like, little advice piece where I could kinda do a little bit of, like, a a flip around with your account.\n\nI know that sounds a little bit haywire, but but so salary sacrifice arrangement, that is where you take money out of your gross income, pop it into your super fund, and the super fund pays the 15% taxable rate, and you save your marginal rate. There's another type of contribution type, which is where it's called non concessional or personal contributions. It's where you actually pay your your personal marginal tax rate, and you put the money into the super fund, and the super fund pays no tax. So what that means is the super fund holds that money tax free. Now when we become 60, there's this really fun thing that we get to be able to do, and that's where we can actually take all of our money out of the super and pop it back into the super fund and convert the money from a taxable portion into a tax free.\n\nAnd now the benefits of doing that is because when we because when we pass away, if we're nominating our funds to go to someone who is not a tax dependent for which your 23 year old wouldn't be, they actually pay 17% tax on the taxable component of the fund. Now your super fund is, like, all taxable, which means that 17% on some money. I keep pacing while I'm walking, so I'm not really looking. I'm terrible at doing that. So it it just means that there's quite a bit of tax that's kind of payable come that time, I guess.\n\nLike, it's $68,000 at the current balance. And, like, I know that that doesn't sound like a lot of money, but it just like, obviously, my hope is is that you're using this money and we're not leaving it for your son. He gets the house. Happy days. That's the hope, but I always plan for the oh ohs.\n\nSo there's kind of, like, the this fun little strategy we can do to kind of flip some of that money into a tax free component to just it's called estate planning, really. It's just planning for the estate. And what we're gonna do is we're gonna save 2% tax, which I know doesn't sound like a lot, but sometimes we hate the government. When it comes to tax, we always do. So I can definitely, like, look at a strategy around that while I'm looking at everything else.\n\nAnd it's nothing that you you would need to do. It's literally a a form that I would send you, and I do it all internally. The money doesn't sell down. It doesn't have to be withdrawn to your bank account. It literally it all happens within a I say split second.\n\nIt'll look like a split second to you. It's just a bunch of running around for me. But, basically, the money will go, out of your account into a brand new investment account. It'll if you're actually watching it, it it's kinda cool to watch live, but it just it literally just goes out of a super account, an investment account gets opened for a hot second, and then it boops back into a brand new a brand new super account. So it literally just goes boop boop.\n\nAnd what that does is it just converts it. It happens overnight. So it's not just something generally I get to watch either. But I have burnt the midnight oil a couple of times and watched it. And it just happens from a back end perspective, so it is really cool from that kind of purview.\n\nBut, yeah, that's kind of something that we could look at doing. And what I'll do is I'll sort of look at the strategy and how it's gonna end up and how much tax it'll save and la la la la la la. But how does that sound? Yes. You do.\n\nSorry. You have sons. It's it's just it's what what it is is basically I would I will deal with everything from a from a estate planning perspective. You send me your will, and I'll just reconfirm that your will does encompass your super fund as an asset. And all I'm gonna do is I'm gonna prefill out a document and send it to you for you to sign.\n\nAnd we'll do that once I get all of the ducks in a row and everything else. So from here, I guess, just to summarize, because I know I'm a bit chaotic this morning, is I will send you an email this morning that'll have I need these documents. Here's a budget attached. I'm going away for a week tomorrow. It's my ten year wedding anniversary.\n\nYes. Thank you. Figured I would go and spend some time with the the man that created three children. He doesn't get much time these days. So so I'm going away for a week.\n\nSo when I come back, if you've been able to get everything to me, including the budget, so it means that you don't have to stress about getting it done, you know, today. You have time. You get it back to me. I'll start looking at it, breaking it all down. Give me a sort of a week or two after that, and I will be able to get everything in in and prepared.\n\nAnd then you and I can have another conversation where I present everything to you, and then we will follow it and execute it. So there may be some heavy changes to the salary sacrifice arrangement to where your money's coming in, everything like that, but I will make sure that I step you through. So I have Maddie. She's my gorgeous administration, and she will literally I get a handhold through to get everything implemented, make sure that all the documents need to be done. We'll get those beneficiary forms done for you.\n\nI will prefill them and have everything flow through nicely that way. Mhmm. No. That's okay. So has I guess, have we touched on everything, and does everything make sense?\n\nBecause I know you you wanted to sort of make sure, like, your your goals previously were to make sure that you had at least a thousand dollars a week in income, which is where that $2 of a fortnight came from. Yeah. Yeah. Look. If you if you turn around to if you turn around today and say, Larissa, I need money, I can I can get you money within the next few days?\n\nIf you if you need money right now, I can I can push a pension payment through? Like, I can have it done. Yep. Yes. Okay.\n\nYeah. Just a couple of just a little little increase. Yes. Yeah. Alright.\n\nNo. Absolutely. Alright. Well, I will play the balancing game between mortgage and and the growth of the super funds and long term income needs if you get me all those documents that you have a week. I mean, you have as long as you take, but yeah.\n\nYeah. I know. But, like, there's the there's the parental guilt because I'm I'm ditching three kids with their grandma. So my 13 year old's happy. Don't get me wrong.\n\nYeah. Yeah. He he's he's he's over the moon. He loves going to grandma's house. But but my two I call them little ones, but they're not really my two little ones are are are less less keen.\n\nMy youngest is a bit of a mama's boy, so he's literally turned around and he's like I was like, mommy and daddy are going away. He goes, do you not love me anymore? Oh, wow. Way to shoot a low kid. Yeah.\n\nI was like, wow. Just oh, right in the gut. But no. Very much looking forward to it. I yeah.\n\nLiterally, I turned around. I was like, you realize we haven't had a holiday in, like, thirteen and a half, fourteen years or something. He was like, yeah. That makes sense. Yeah.\n\nJust life. Yeah. No. Not a lot, but it's enough. Yeah.\n\nDisappeared too quickly too. No. That's okay. Perfect. And if you have any if you have any issues or or questions over the next week, just give my team a call.\n\nI'm gonna leave, like, really specific instructions on file so they'll be able to do anything, and and they'll be able to help you out, or I will give you a call once I get back. No. No problem, Linda. You have a good one. We'll talk soon.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good morning, Linda.","start":3.84,"end":4.7999997,"sentiment":"positive","sentiment_score":0.348707248767217},{"text":"Larissa from Oakview Financial.","start":4.7999997,"end":6.08,"sentiment":"neutral","sentiment_score":0.24993346631526947},{"text":"How are you going?","start":6.08,"end":6.98,"sentiment":"neutral","sentiment_score":0.2453542947769165},{"text":"Yeah.","start":9.04,"end":9.54,"sentiment":"neutral","sentiment_score":0.29327499866485596},{"text":"Good, darling.","start":9.599999,"end":10.66,"sentiment":"positive","sentiment_score":0.610017329454422}],"sentiment":"neutral","sentiment_score":0.3243273177317211,"num_words":14,"start":3.84,"end":10.66},{"sentences":[{"text":"Can't complain.","start":11.5199995,"end":12.32,"sentiment":"positive","sentiment_score":0.395006462931633},{"text":"It's a beautifully overcast ish day, so nice and cold.","start":12.32,"end":16.645,"sentiment":"positive","sentiment_score":0.40402058940380814},{"text":"Yes, unfortunately.","start":16.865,"end":17.845,"sentiment":"neutral","sentiment_score":-0.07318826764822006},{"text":"Oh, you're living it up.","start":24.145,"end":25.365,"sentiment":"neutral","sentiment_score":-0.04336426854133606},{"text":"What?","start":26.384998,"end":26.884998,"sentiment":"neutral","sentiment_score":-0.03370217606425285}],"sentiment":"neutral","sentiment_score":0.2216659382916987,"num_words":20,"start":11.5199995,"end":26.884998},{"sentences":[{"text":"I know.","start":26.945,"end":27.345,"sentiment":"neutral","sentiment_score":-0.05627105198800564},{"text":"It's supposed to be the same thing.","start":27.345,"end":28.545,"sentiment":"neutral","sentiment_score":-0.08274946787527629},{"text":"They lied.","start":28.545,"end":29.185,"sentiment":"neutral","sentiment_score":-0.2923601567745209},{"text":"No.","start":29.185,"end":29.685,"sentiment":"neutral","sentiment_score":-0.20239782333374023},{"text":"It's alright.","start":29.744999,"end":30.485,"sentiment":"neutral","sentiment_score":-0.12136470526456833}],"sentiment":"neutral","sentiment_score":-0.12297399475106172,"num_words":14,"start":26.945,"end":30.485},{"sentences":[{"text":"Honestly, don't mind a little bit of an overcast day.","start":30.73,"end":32.65,"sentiment":"neutral","sentiment_score":-0.12185671478509903},{"text":"Just sad there's no book, wine, and blanket.","start":32.65,"end":36.35,"sentiment":"neutral","sentiment_score":-0.20558070205152035},{"text":"Anyway, my darling no.","start":40.01,"end":42.51,"sentiment":"neutral","sentiment_score":0.27131865732371807},{"text":"No.","start":42.89,"end":43.37,"sentiment":"neutral","sentiment_score":-0.02687893435359001},{"text":"You're okay.","start":43.37,"end":44.19,"sentiment":"neutral","sentiment_score":0.029118836857378483}],"sentiment":"neutral","sentiment_score":-0.06986317582428456,"num_words":25,"start":30.73,"end":44.19},{"sentences":[{"text":"Before I do jump into it, I just need to let you know that our calls are recorded and get you to complete security for me.","start":45.385002,"end":54.985,"sentiment":"neutral","sentiment_score":0.0392671891559775},{"text":"It's just full name, date of birth, and address.","start":54.985,"end":56.52,"sentiment":"neutral","sentiment_score":0.04087947971291012},{"text":"Oh, sorry.","start":57.48,"end":58.04,"sentiment":"neutral","sentiment_score":-0.008072114549577236},{"text":"You have a password if you wanna use your cat's name.","start":58.04,"end":60.62,"sentiment":"neutral","sentiment_score":-0.025430235842412167},{"text":"Yes.","start":64.36,"end":64.86,"sentiment":"neutral","sentiment_score":0.021183865144848824}],"sentiment":"neutral","sentiment_score":0.02273814851532177,"num_words":49,"start":45.385002,"end":64.86},{"sentences":[{"text":"Nope.","start":65.16,"end":65.66,"sentiment":"neutral","sentiment_score":0.018261201679706573},{"text":"That's fine.","start":65.8,"end":66.46,"sentiment":"neutral","sentiment_score":0.07831083051860332},{"text":"Perfect.","start":69.445,"end":69.945,"sentiment":"neutral","sentiment_score":0.27484920620918274},{"text":"No.","start":73.765,"end":74.165,"sentiment":"neutral","sentiment_score":-0.0188584104180336},{"text":"No.","start":74.165,"end":74.665,"sentiment":"neutral","sentiment_score":-0.02247907966375351}],"sentiment":"neutral","sentiment_score":0.06806576314071815,"num_words":6,"start":65.16,"end":74.665},{"sentences":[{"text":"No.","start":74.884995,"end":75.284996,"sentiment":"neutral","sentiment_score":-0.03008333779871464},{"text":"Yeah.","start":75.284996,"end":75.525,"sentiment":"neutral","sentiment_score":0.02748621441423893},{"text":"We we we have a password on file to make it easier for you.","start":75.525,"end":78.744995,"sentiment":"neutral","sentiment_score":0.0925256157560008},{"text":"I'm just so in the habit of name, date of birth, and address.","start":79.365,"end":82.424995,"sentiment":"neutral","sentiment_score":0.06363614877829185},{"text":"Anyway, so I understand that you're wanting to look at commencing, like, regular pension payments and get everything set up.","start":85.979996,"end":93.2,"sentiment":"neutral","sentiment_score":0.052385270781815055}],"sentiment":"neutral","sentiment_score":0.06464769075415572,"num_words":49,"start":74.884995,"end":93.2},{"sentences":[{"text":"Yeah.","start":98.06,"end":98.56,"sentiment":"neutral","sentiment_score":-0.0065567027777433395},{"text":"Oh, okay.","start":146.15001,"end":147.59001,"sentiment":"neutral","sentiment_score":0.018079141154885292},{"text":"No.","start":147.59001,"end":147.83,"sentiment":"neutral","sentiment_score":-0.04338961839675903},{"text":"You're okay.","start":147.83,"end":148.47,"sentiment":"neutral","sentiment_score":0.033238175325095654},{"text":"So because you're over 60, there's no tax.","start":148.47,"end":151.59001,"sentiment":"neutral","sentiment_score":0.04370791045948863}],"sentiment":"neutral","sentiment_score":0.02873939967581204,"num_words":14,"start":98.06,"end":151.59001},{"sentences":[{"text":"You're you're good on that front.","start":151.59001,"end":153.61,"sentiment":"neutral","sentiment_score":0.21271433432896933},{"text":"If you were prior to 60, then yes.","start":154.475,"end":158.55501,"sentiment":"neutral","sentiment_score":0.02642571064643562},{"text":"Yes.","start":158.55501,"end":158.795,"sentiment":"neutral","sentiment_score":0.0799381211400032},{"text":"It is taxable.","start":158.795,"end":159.615,"sentiment":"neutral","sentiment_score":0.049103339513142906},{"text":"So you're actually pretty, I guess, kosher on that front from a tax perspective.","start":161.595,"end":166.015,"sentiment":"neutral","sentiment_score":0.1131670166339193}],"sentiment":"neutral","sentiment_score":0.1031024394906126,"num_words":32,"start":151.59001,"end":166.015},{"sentences":[{"text":"In terms of, I guess, the pension TTR side of things, we can definitely pivot because currently your pension account's set up for annual payments.","start":166.81999,"end":175.4,"sentiment":"neutral","sentiment_score":0.15898073166608812},{"text":"So it's like a lump sum that comes out to you annually, but we can definitely pivot that and make it a more regular payment structure to offset the reduction to your hours.","start":175.7,"end":186.315,"sentiment":"neutral","sentiment_score":0.2526695628960927},{"text":"Can I can I ask how like, do you get paid weekly, fortnightly, monthly?","start":187.41501,"end":191.115,"sentiment":"neutral","sentiment_score":0.07067400163837842},{"text":"Yeah.","start":192.535,"end":192.85501,"sentiment":"neutral","sentiment_score":0.3258189857006073},{"text":"Perfect.","start":192.85501,"end":193.255,"sentiment":"positive","sentiment_score":0.5194695591926575}],"sentiment":"neutral","sentiment_score":0.191180249122349,"num_words":74,"start":166.81999,"end":193.255},{"sentences":[{"text":"So we can we can definitely have it.","start":193.255,"end":194.7,"sentiment":"positive","sentiment_score":0.5042159929871559},{"text":"I mean, not that that answer really matters, but we can have it pay we can have it pay sort of on your on or on your off cycle payment wise.","start":194.7,"end":204.87999,"sentiment":"neutral","sentiment_score":0.22968535581904073},{"text":"So, basically, like, say you got got I mean, what day do you get paid?","start":205.01999,"end":209.04,"sentiment":"neutral","sentiment_score":0.04190100568036238},{"text":"Alright.","start":218.31499,"end":218.81499,"sentiment":"neutral","sentiment_score":0.07551565021276474},{"text":"This is an off week.","start":219.275,"end":220.31499,"sentiment":"neutral","sentiment_score":0.026962539926171303}],"sentiment":"neutral","sentiment_score":0.19988029015560946,"num_words":60,"start":193.255,"end":220.31499},{"sentences":[{"text":"Yeah.","start":220.31499,"end":220.555,"sentiment":"neutral","sentiment_score":0.06938821077346802},{"text":"So we could have it fall basically on the same Wednesday or on the same Friday or, you know, whatever.","start":220.555,"end":225.53499,"sentiment":"neutral","sentiment_score":0.06048845313489437},{"text":"And or we could have it fall on the off Wednesday.","start":227.40001,"end":230.04001,"sentiment":"neutral","sentiment_score":0.05499658835205165},{"text":"So, basically, every week you get a pay cycle.","start":230.04001,"end":231.98001,"sentiment":"neutral","sentiment_score":0.09526195149454805},{"text":"Generally, people who get paid fortnightly are used to fortnightly pay, so changing that kind of messes with the flow of finances.","start":232.04001,"end":239.26001,"sentiment":"neutral","sentiment_score":-0.1662071431902322}],"sentiment":"neutral","sentiment_score":-0.014525076847464319,"num_words":63,"start":220.31499,"end":239.26001},{"sentences":[{"text":"So most of my clients generally like to stick with the cycle that they're currently getting paid on.","start":240.135,"end":244.635,"sentiment":"neutral","sentiment_score":0.24172983608312076},{"text":"But the option the option is there.","start":245.33499,"end":246.935,"sentiment":"neutral","sentiment_score":0.08457349772964205},{"text":"I have had the the weird, I guess, curveball where clients are like, no.","start":246.935,"end":251.255,"sentiment":"neutral","sentiment_score":-0.04183424477066312},{"text":"Actually, I'd like to be paid every week.","start":251.255,"end":253.095,"sentiment":"neutral","sentiment_score":0.09788115182891488},{"text":"So it's personal preference, really.","start":253.095,"end":255.87001,"sentiment":"neutral","sentiment_score":0.1517997458577156}],"sentiment":"neutral","sentiment_score":0.11345230866796695,"num_words":52,"start":240.135,"end":255.87001},{"sentences":[{"text":"But definitely, we can structure it to be paid fortnightly, and you can kinda pick the week that it starts.","start":255.87001,"end":260.61002,"sentiment":"neutral","sentiment_score":0.2941764198243618},{"text":"And it's just a matter of, I guess, us talking about what that payment looks like because your account has to pay out at least the minimum requirement for it.","start":261.95,"end":270.61502,"sentiment":"neutral","sentiment_score":0.2567620500922203},{"text":"And I guess we can sort of because you've reduced your hours, we can kind of talk a little bit more about maybe salary sacrificing money into the fund, paying much less tax, and structuring it a little bit that way as well.","start":270.915,"end":283.41998,"sentiment":"positive","sentiment_score":0.3427588416393413},{"text":"So we can kind of offset your taxable income from your employer through popping all of the money in there, getting a little bit from your employer, but most of it from your pension account to drop the tax.","start":283.47998,"end":297.515,"sentiment":"neutral","sentiment_score":0.22141724022535178},{"text":"Yep.","start":305.73502,"end":306.15,"sentiment":"neutral","sentiment_score":0.13140201568603516}],"sentiment":"neutral","sentiment_score":0.27888492085879907,"num_words":133,"start":255.87001,"end":306.15},{"sentences":[{"text":"Yep.","start":311.50998,"end":312.00998,"sentiment":"neutral","sentiment_score":0.09674253314733504},{"text":"No.","start":322.365,"end":322.865,"sentiment":"neutral","sentiment_score":-0.10967996716499329},{"text":"The account's being set up as an annual payment.","start":323.085,"end":325.245,"sentiment":"neutral","sentiment_score":-0.07788073105944528},{"text":"So that was based on, I guess, the conversation that you had with the adviser at the time.","start":325.245,"end":329.985,"sentiment":"neutral","sentiment_score":0.01766503643658426},{"text":"But but we we can definitely change and pivot.","start":331.085,"end":334.605,"sentiment":"neutral","sentiment_score":0.2706682201888826}],"sentiment":"neutral","sentiment_score":0.05368738484225775,"num_words":38,"start":311.50998,"end":334.605},{"sentences":[{"text":"Like, there's there's nothing saying that once it's in place that we can't change it.","start":334.605,"end":338.3,"sentiment":"neutral","sentiment_score":0.09813448935747146},{"text":"We are 100% able to change it.","start":338.3,"end":341.03998,"sentiment":"neutral","sentiment_score":0.31708308389144285},{"text":"And the fact that you've reduced your hours down to four, can I ask, with the reduction to your hours, are you still comfortable with the pay you're getting, or you will be seeking a little bit more income?","start":341.34,"end":349.75998,"sentiment":"neutral","sentiment_score":0.11074090529328738},{"text":"Yeah.","start":353.35498,"end":353.435,"sentiment":"neutral","sentiment_score":-0.25919365882873535},{"text":"A bit tight.","start":353.435,"end":354.07498,"sentiment":"neutral","sentiment_score":-0.30543315410614014}],"sentiment":"neutral","sentiment_score":0.10515386327528037,"num_words":65,"start":334.605,"end":354.07498},{"sentences":[{"text":"Yep.","start":354.07498,"end":354.57498,"sentiment":"neutral","sentiment_score":-0.10697732865810394},{"text":"Yeah.","start":368.91,"end":369.41,"sentiment":"neutral","sentiment_score":-0.015958506613969803},{"text":"Mhmm.","start":392.91498,"end":393.21,"sentiment":"neutral","sentiment_score":-0.001094666309654713},{"text":"Yeah.","start":406.81,"end":407.31,"sentiment":"neutral","sentiment_score":-0.02293860912322998},{"text":"Yeah.","start":409.465,"end":409.965,"sentiment":"neutral","sentiment_score":0.01847270503640175}],"sentiment":"neutral","sentiment_score":-0.025699281133711338,"num_words":5,"start":354.07498,"end":409.965},{"sentences":[{"text":"Okay.","start":410.025,"end":410.525,"sentiment":"neutral","sentiment_score":0.02656429074704647},{"text":"No.","start":411.145,"end":411.385,"sentiment":"neutral","sentiment_score":-0.004246745258569717},{"text":"I love no.","start":411.385,"end":412.265,"sentiment":"neutral","sentiment_score":0.022735712428887684},{"text":"No.","start":412.265,"end":412.425,"sentiment":"neutral","sentiment_score":0.11281372606754304},{"text":"We can definitely explore these areas.","start":412.425,"end":414.285,"sentiment":"neutral","sentiment_score":0.2562178199489911}],"sentiment":"neutral","sentiment_score":0.14505377737805247,"num_words":12,"start":410.025,"end":414.285},{"sentences":[{"text":"Okay.","start":414.665,"end":415.065,"sentiment":"neutral","sentiment_score":0.12512850761413574},{"text":"So there's a couple of things I guess I want from you to be able to explore, and we're not gonna hang up the phone and finish the conversation.","start":415.065,"end":422.345,"sentiment":"neutral","sentiment_score":0.07283807019221372},{"text":"But while I'm kinda thinking about it, just so I can write it down, is I will need a current mortgage statement that has, you know, how much you have in redraw, what your interest rate is, what the term of the loan is.","start":422.345,"end":433.72,"sentiment":"neutral","sentiment_score":0.06182464508509094},{"text":"I also need, I guess, like, the last pay slip you have just so I understand what your actual pay looks like, hours worked, sales act arrangement, all of that, so I can work out taxable, I guess, position.","start":434.65997,"end":446.095,"sentiment":"neutral","sentiment_score":0.10851508436294702},{"text":"That will enable me to kind of explore both of those areas because what I can actually look look at is I can look at if we draw more from your super fund to throw onto the mortgage each pay cycle, how is that going to affect your compounding return on your super fund, and how is that gonna affect the interest rate and the time variance on your mortgage.","start":447.755,"end":472.955,"sentiment":"neutral","sentiment_score":0.12779527889298542}],"sentiment":"neutral","sentiment_score":0.09910095486118169,"num_words":183,"start":414.665,"end":472.955},{"sentences":[{"text":"So it's, I guess, comparing if we do this scenario, what happens?","start":473.415,"end":476.615,"sentiment":"neutral","sentiment_score":-0.005010612076148391},{"text":"If we compare this scenario, what happens?","start":476.615,"end":478.475,"sentiment":"neutral","sentiment_score":-0.008211840343262469},{"text":"And it the scenario is money in super funds mortgage paid off.","start":479.095,"end":482.55,"sentiment":"neutral","sentiment_score":0.061213359547158085},{"text":"So that that's something I can definitely play with.","start":484.22998,"end":487.11,"sentiment":"positive","sentiment_score":0.5862061348226335},{"text":"Absolutely adore playing in that scope, being being able to see whether we can get the mortgage paid down and what that looks like.","start":487.11,"end":493.93,"sentiment":"positive","sentiment_score":0.3824848321576913}],"sentiment":"neutral","sentiment_score":0.23550689488183707,"num_words":64,"start":473.415,"end":493.93},{"sentences":[{"text":"So that's gonna enable us to do that.","start":495.905,"end":497.505,"sentiment":"positive","sentiment_score":0.3482953030616045},{"text":"I guess the the conversation kind of from here goes to, well, the money that you earn at the moment is getting a little bit tight.","start":497.505,"end":505.665,"sentiment":"neutral","sentiment_score":-0.07717239627471337},{"text":"So what kind of income do you actually need per fortnight for yourself net?","start":505.665,"end":511.15,"sentiment":"neutral","sentiment_score":-0.016028510672705516},{"text":"Go with your net income.","start":511.15,"end":512.45,"sentiment":"neutral","sentiment_score":0.007585687562823296},{"text":"Is it in your pocket to be able to comfortably live, have a bit of discretionary spending, pay all the bills?","start":513.79,"end":520.69,"sentiment":"neutral","sentiment_score":0.041810575783962294}],"sentiment":"neutral","sentiment_score":0.01988420947580724,"num_words":74,"start":495.905,"end":520.69},{"sentences":[{"text":"Yeah.","start":525.60504,"end":526.10504,"sentiment":"neutral","sentiment_score":-0.0708056390285492},{"text":"Yeah.","start":530.48505,"end":530.98505,"sentiment":"neutral","sentiment_score":-0.013741734437644482},{"text":"Okay.","start":535.765,"end":536.265,"sentiment":"neutral","sentiment_score":-0.008564088493585587},{"text":"Yeah.","start":538.36,"end":538.86,"sentiment":"neutral","sentiment_score":0.05577165633440018},{"text":"If you if you have a look at it and, like, what I can do is I can send you an email with after we get on the phone, I'll send you an email.","start":539.31995,"end":545.0,"sentiment":"neutral","sentiment_score":0.09156457378583796}],"sentiment":"neutral","sentiment_score":0.08094357113402925,"num_words":38,"start":525.60504,"end":545.0},{"sentences":[{"text":"And in that email, I'll have a request for the documents that I just said.","start":545.0,"end":548.68,"sentiment":"neutral","sentiment_score":0.10986480563879013},{"text":"So that way, you have them written down and you know exactly what I'm asking for.","start":548.68,"end":552.045,"sentiment":"neutral","sentiment_score":0.2518900758586824},{"text":"And I can even attach a budget planner if you'd like, and you can kind of go through and fill out the budget planner because it has the availability for the things we don't always think about when we're planning our budget, like the haircut or the gym or hey.","start":552.52496,"end":566.31,"sentiment":"neutral","sentiment_score":0.17155930384993553},{"text":"Actually, I do actually need to buy myself clothes every now and again.","start":566.31,"end":569.29,"sentiment":"neutral","sentiment_score":0.09312468251356712},{"text":"So it has all those kind of, I guess, little bit discretionary spending, you know, beautification type of things on that budget that'll allow you to actually kinda pop those in and actually have a more of a understanding as to what your annual income needs to be for you to live comfortably.","start":571.02997,"end":588.485,"sentiment":"neutral","sentiment_score":0.16161640339864874}],"sentiment":"neutral","sentiment_score":0.16348618192940342,"num_words":147,"start":545.0,"end":588.485},{"sentences":[{"text":"And I can map it from there.","start":590.46497,"end":591.665,"sentiment":"neutral","sentiment_score":0.07439239003828593},{"text":"And then if I need to cut it back to say, hey.","start":591.665,"end":593.64,"sentiment":"neutral","sentiment_score":0.034512799543639026},{"text":"Hey.","start":593.64,"end":593.72003,"sentiment":"neutral","sentiment_score":0.04245428740978241},{"text":"Look, Linda, if we live this way, we're not gonna we're not gonna make it long term finance wise, then I can start having that conversation with you.","start":593.72003,"end":601.26,"sentiment":"neutral","sentiment_score":0.06774886850533741},{"text":"But but I think, you know, based on what you're saying, it's it's it's quite reasonable $2 a fortnight.","start":602.2,"end":607.42004,"sentiment":"neutral","sentiment_score":0.09520949286065604}],"sentiment":"neutral","sentiment_score":0.06990004917467708,"num_words":67,"start":590.46497,"end":607.42004},{"sentences":[{"text":"But that was a bit tight.","start":608.745,"end":614.285,"sentiment":"neutral","sentiment_score":-0.02364303171634674},{"text":"Yeah.","start":615.065,"end":615.565,"sentiment":"neutral","sentiment_score":0.1440805345773697},{"text":"Can be nice.","start":620.985,"end":622.045,"sentiment":"positive","sentiment_score":0.4253042737642924},{"text":"Yeah.","start":622.345,"end":622.845,"sentiment":"neutral","sentiment_score":0.1079043447971344},{"text":"No.","start":628.56,"end":628.88,"sentiment":"neutral","sentiment_score":-0.20263615250587463}],"sentiment":"neutral","sentiment_score":0.09861694648861885,"num_words":12,"start":608.745,"end":628.88},{"sentences":[{"text":"No.","start":628.88,"end":629.04004,"sentiment":"neutral","sentiment_score":-0.23511116206645968},{"text":"We don't.","start":629.04004,"end":629.52,"sentiment":"neutral","sentiment_score":-0.26271918416023254},{"text":"We we don't want to at all.","start":629.52,"end":632.10004,"sentiment":"neutral","sentiment_score":-0.26190220032419476},{"text":"Well, let's do this.","start":632.48004,"end":634.02,"sentiment":"neutral","sentiment_score":0.004415363422594965},{"text":"What I will do is let me just go and grab a few details so I can make why did I do that?","start":634.4,"end":641.535,"sentiment":"neutral","sentiment_score":0.009784169576090315}],"sentiment":"neutral","sentiment_score":-0.06354506969502247,"num_words":37,"start":628.88,"end":641.535},{"sentences":[{"text":"I already had your file open.","start":641.535,"end":642.815,"sentiment":"neutral","sentiment_score":-0.01975233821819226},{"text":"I just went back to the beginning.","start":642.815,"end":644.355,"sentiment":"neutral","sentiment_score":-0.0030169904764209476},{"text":"Let me Computers are never my friend, especially first thing in the morning.","start":647.21497,"end":650.9,"sentiment":"neutral","sentiment_score":-0.16383461625530168},{"text":"Fill out.","start":661.765,"end":662.645,"sentiment":"neutral","sentiment_score":-0.07268232479691505},{"text":"That's that's absolutely okay.","start":662.645,"end":666.58496,"sentiment":"neutral","sentiment_score":0.09504443034529686}],"sentiment":"neutral","sentiment_score":-0.06358343444298953,"num_words":32,"start":641.535,"end":666.58496},{"sentences":[{"text":"I had a look at your account last week when when Jacob Whitlam booked you into my calendar.","start":666.885,"end":673.225,"sentiment":"neutral","sentiment_score":0.18171227392223147},{"text":"So I had a list of things that I wanted to go through with you anyway.","start":673.75,"end":677.45,"sentiment":"neutral","sentiment_score":0.1585883190855384},{"text":"So let me just do this part first just so I could make sure that all my details are up to date that I have on you.","start":678.31,"end":686.25,"sentiment":"neutral","sentiment_score":0.3014155449690642},{"text":"We can go from there.","start":686.39,"end":687.61005,"sentiment":"neutral","sentiment_score":0.20945128798484802},{"text":"So so just confirming, we're still single.","start":687.83,"end":696.445,"sentiment":"neutral","sentiment_score":0.12026278568165642}],"sentiment":"neutral","sentiment_score":0.2169253382168404,"num_words":73,"start":666.885,"end":696.445},{"sentences":[{"text":"We're still at Chiswick Road.","start":696.445,"end":699.025,"sentiment":"neutral","sentiment_score":0.07393520921468735},{"text":"Perfect.","start":700.365,"end":700.865,"sentiment":"positive","sentiment_score":0.5648878812789917},{"text":"Still working in the same job we were, so still government job caseworker.","start":703.27,"end":708.17,"sentiment":"neutral","sentiment_score":0.19224255474714133},{"text":"Fantastic.","start":708.39,"end":708.89,"sentiment":"positive","sentiment_score":0.6209708452224731},{"text":"Your income was 116.","start":709.67,"end":711.85,"sentiment":"neutral","sentiment_score":0.11353889293968678}],"sentiment":"neutral","sentiment_score":0.1878684815019369,"num_words":24,"start":696.445,"end":711.85},{"sentences":[{"text":"Is that still your income you're just now earning pro rata of that?","start":712.39,"end":716.41003,"sentiment":"neutral","sentiment_score":0.08024190051051286},{"text":"It's okay.","start":722.885,"end":723.625,"sentiment":"neutral","sentiment_score":0.019975640811026096},{"text":"You'll you'll send you'll send your you'll send your payslips.","start":723.685,"end":727.785,"sentiment":"neutral","sentiment_score":0.01770336264744401},{"text":"That's okay.","start":728.165,"end":728.985,"sentiment":"neutral","sentiment_score":0.08582217618823051},{"text":"Asset wise, I've got the mortgage.","start":730.65,"end":732.83,"sentiment":"neutral","sentiment_score":0.044185589998960495}],"sentiment":"neutral","sentiment_score":0.05142083354858738,"num_words":33,"start":712.39,"end":732.83},{"sentences":[{"text":"So the primary residence, and then I've got the car.","start":734.17,"end":736.83,"sentiment":"neutral","sentiment_score":0.040831005573272704},{"text":"Perfect.","start":737.69,"end":738.19,"sentiment":"positive","sentiment_score":0.42548418045043945},{"text":"Amazing.","start":740.73004,"end":741.23004,"sentiment":"positive","sentiment_score":0.6370248198509216},{"text":"So that's all of that all sorted.","start":741.45,"end":743.79004,"sentiment":"positive","sentiment_score":0.49096683093479704},{"text":"Now I'm just gonna re refresh my memory and flick back over to my other screen to my screens.","start":745.59503,"end":750.975,"sentiment":"neutral","sentiment_score":0.1301709386078935}],"sentiment":"neutral","sentiment_score":0.19423249226651693,"num_words":38,"start":734.17,"end":750.975},{"sentences":[{"text":"So paperwork wise that you need to fill out and complete, there are beneficiary nominations that we need to get on your account.","start":751.115,"end":757.855,"sentiment":"neutral","sentiment_score":0.08713356551268826},{"text":"So it means that if something happens to you if something happens to you, the super fund knows where to pay the the benefit to.","start":757.86,"end":768.68,"sentiment":"neutral","sentiment_score":0.04400303579866886},{"text":"Now according to my records, which is my favorite thing of the day, you were in the process of getting a will in place last year.","start":768.74,"end":781.955,"sentiment":"neutral","sentiment_score":0.11917089914473203},{"text":"Oh my gosh.","start":783.855,"end":784.755,"sentiment":"neutral","sentiment_score":0.28963395953178406},{"text":"Such pride and happiness.","start":785.22,"end":786.51996,"sentiment":"neutral","sentiment_score":0.17833537608385086}],"sentiment":"neutral","sentiment_score":0.09610906990681901,"num_words":81,"start":751.115,"end":786.51996},{"sentences":[{"text":"Perfect.","start":791.69995,"end":792.19995,"sentiment":"positive","sentiment_score":0.4657717645168304},{"text":"So would you would you like to because there's obviously, your lawyer holds your will.","start":792.66,"end":798.6,"sentiment":"neutral","sentiment_score":0.08007785379886627},{"text":"Generally, it can be actually really convenient for us to hold a copy of your will as well.","start":799.315,"end":804.135,"sentiment":"neutral","sentiment_score":0.15655062140689957},{"text":"While there's nothing we can do with it, it means that if we ever get like, if anything happens to you and someone reaches out to us, we've already got a copy on file.","start":804.355,"end":812.355,"sentiment":"neutral","sentiment_score":0.09388575905605274},{"text":"So we have, I guess, a little bit of a leg up as to who we can talk to, and we have knowledge of where you've made your decisions on what to go.","start":812.355,"end":819.91003,"sentiment":"neutral","sentiment_score":0.06648303737694566}],"sentiment":"neutral","sentiment_score":0.09773175047692095,"num_words":101,"start":791.69995,"end":819.91003},{"sentences":[{"text":"And it means that when it comes down to you nominating the beneficiaries, I could be a little bit more pointed as to where we're actually putting them.","start":821.57,"end":827.91003,"sentiment":"neutral","sentiment_score":0.1901860013604164},{"text":"Because realistically speaking, you have a son who's in their early twenties.","start":828.305,"end":832.64496,"sentiment":"neutral","sentiment_score":0.10643125201265018},{"text":"So that would indicate to me that the best place for me to send your money from your super fund would ultimately actually be your estate.","start":834.785,"end":844.82,"sentiment":"positive","sentiment_score":0.3869617214569679},{"text":"So it means that we send the money to a bank account in your in your name after you passed away because we pay less tax that way.","start":845.04004,"end":853.3,"sentiment":"neutral","sentiment_score":0.331728246062994},{"text":"Now there is a couple of things we could actually do in, I guess, this, like, little advice piece where I could kinda do a little bit of, like, a a flip around with your account.","start":857.015,"end":867.995,"sentiment":"neutral","sentiment_score":0.24034952579273117}],"sentiment":"neutral","sentiment_score":0.2661873972186675,"num_words":130,"start":821.57,"end":867.995},{"sentences":[{"text":"I know that sounds a little bit haywire, but but so salary sacrifice arrangement, that is where you take money out of your gross income, pop it into your super fund, and the super fund pays the 15% taxable rate, and you save your marginal rate.","start":868.32,"end":884.835,"sentiment":"neutral","sentiment_score":0.19856654484148906},{"text":"There's another type of contribution type, which is where it's called non concessional or personal contributions.","start":885.85504,"end":891.155,"sentiment":"neutral","sentiment_score":0.19721098290756345},{"text":"It's where you actually pay your your personal marginal tax rate, and you put the money into the super fund, and the super fund pays no tax.","start":891.375,"end":901.19,"sentiment":"neutral","sentiment_score":0.24263041218121847},{"text":"So what that means is the super fund holds that money tax free.","start":901.33,"end":904.39,"sentiment":"neutral","sentiment_score":0.3323568575657331},{"text":"Now when we become 60, there's this really fun thing that we get to be able to do, and that's where we can actually take all of our money out of the super and pop it back into the super fund and convert the money from a taxable portion into a tax free.","start":904.93,"end":920.035,"sentiment":"positive","sentiment_score":0.46996899230300254}],"sentiment":"neutral","sentiment_score":0.3101255074744263,"num_words":155,"start":868.32,"end":920.035},{"sentences":[{"text":"And now the benefits of doing that is because when we because when we pass away, if we're nominating our funds to go to someone who is not a tax dependent for which your 23 year old wouldn't be, they actually pay 17% tax on the taxable component of the fund.","start":920.255,"end":940.945,"sentiment":"positive","sentiment_score":0.3823416805734821},{"text":"Now your super fund is, like, all taxable, which means that 17% on some money.","start":941.16504,"end":950.61,"sentiment":"neutral","sentiment_score":-0.024550171631077925},{"text":"I keep pacing while I'm walking, so I'm not really looking.","start":951.79,"end":954.61,"sentiment":"neutral","sentiment_score":-0.20248810811476273},{"text":"I'm terrible at doing that.","start":955.11,"end":957.49,"sentiment":"negative","sentiment_score":-0.5288181841373444},{"text":"So it it just means that there's quite a bit of tax that's kind of payable come that time, I guess.","start":958.19,"end":965.725,"sentiment":"neutral","sentiment_score":-0.1572499360357012}],"sentiment":"neutral","sentiment_score":0.10638314920468527,"num_words":103,"start":920.255,"end":965.725},{"sentences":[{"text":"Like, it's $68,000 at the current balance.","start":966.985,"end":970.925,"sentiment":"neutral","sentiment_score":0.03645779139229229},{"text":"And, like, I know that that doesn't sound like a lot of money, but it just like, obviously, my hope is is that you're using this money and we're not leaving it for your son.","start":971.46497,"end":978.81,"sentiment":"neutral","sentiment_score":0.25157534813375343},{"text":"He gets the house.","start":978.81,"end":980.17,"sentiment":"positive","sentiment_score":0.5371517017483711},{"text":"Happy days.","start":980.17,"end":981.07,"sentiment":"positive","sentiment_score":0.5615525245666504},{"text":"That's the hope, but I always plan for the oh ohs.","start":981.52997,"end":986.11,"sentiment":"positive","sentiment_score":0.4299313886599107}],"sentiment":"neutral","sentiment_score":0.28917455687819016,"num_words":59,"start":966.985,"end":986.11},{"sentences":[{"text":"So there's kind of, like, the this fun little strategy we can do to kind of flip some of that money into a tax free component to just it's called estate planning, really.","start":989.69,"end":999.44495,"sentiment":"positive","sentiment_score":0.4651184036876216},{"text":"It's just planning for the estate.","start":999.44495,"end":1001.14496,"sentiment":"neutral","sentiment_score":0.3263078530629476},{"text":"And what we're gonna do is we're gonna save 2% tax, which I know doesn't sound like a lot, but sometimes we hate the government.","start":1001.685,"end":1009.41003,"sentiment":"neutral","sentiment_score":0.1789333328604698},{"text":"When it comes to tax, we always do.","start":1009.41003,"end":1011.03,"sentiment":"neutral","sentiment_score":0.055230979807674885},{"text":"So I can definitely, like, look at a strategy around that while I'm looking at everything else.","start":1013.01,"end":1018.15,"sentiment":"neutral","sentiment_score":0.2843829673879287}],"sentiment":"neutral","sentiment_score":0.3040050117487318,"num_words":89,"start":989.69,"end":1018.15},{"sentences":[{"text":"And it's nothing that you you would need to do.","start":1019.97003,"end":1022.05005,"sentiment":"neutral","sentiment_score":0.13541553243994714},{"text":"It's literally a a form that I would send you, and I do it all internally.","start":1022.05005,"end":1025.325,"sentiment":"neutral","sentiment_score":0.2559552602469921},{"text":"The money doesn't sell down.","start":1025.545,"end":1026.825,"sentiment":"neutral","sentiment_score":0.25036759972572326},{"text":"It doesn't have to be withdrawn to your bank account.","start":1026.825,"end":1028.6849,"sentiment":"neutral","sentiment_score":0.12600261420011521},{"text":"It literally it all happens within a I say split second.","start":1028.745,"end":1032.345,"sentiment":"neutral","sentiment_score":0.24376242540099405}],"sentiment":"neutral","sentiment_score":0.20466712131523168,"num_words":52,"start":1019.97003,"end":1032.345},{"sentences":[{"text":"It'll look like a split second to you.","start":1032.345,"end":1033.545,"sentiment":"neutral","sentiment_score":0.17620728630572557},{"text":"It's just a bunch of running around for me.","start":1033.545,"end":1035.405,"sentiment":"neutral","sentiment_score":0.0859987669520908},{"text":"But, basically, the money will go, out of your account into a brand new investment account.","start":1036.265,"end":1043.66,"sentiment":"positive","sentiment_score":0.4767225291579962},{"text":"It'll if you're actually watching it, it it's kinda cool to watch live, but it just it literally just goes out of a super account, an investment account gets opened for a hot second, and then it boops back into a brand new a brand new super account.","start":1044.2,"end":1057.625,"sentiment":"positive","sentiment_score":0.43951299289862317},{"text":"So it literally just goes boop boop.","start":1057.845,"end":1059.545,"sentiment":"positive","sentiment_score":0.3383925386837551}],"sentiment":"positive","sentiment_score":0.3781429441984404,"num_words":88,"start":1032.345,"end":1059.545},{"sentences":[{"text":"And what that does is it just converts it.","start":1059.925,"end":1061.765,"sentiment":"neutral","sentiment_score":0.3280537989404466},{"text":"It happens overnight.","start":1061.765,"end":1062.745,"sentiment":"positive","sentiment_score":0.33939334750175476},{"text":"So it's not just something generally I get to watch either.","start":1063.365,"end":1066.025,"sentiment":"neutral","sentiment_score":0.17185442014174027},{"text":"But I have burnt the midnight oil a couple of times and watched it.","start":1066.165,"end":1068.9,"sentiment":"neutral","sentiment_score":0.32922092931611197},{"text":"And it just happens from a back end perspective, so it is really cool from that kind of purview.","start":1070.42,"end":1074.52,"sentiment":"positive","sentiment_score":0.5031385437438363}],"sentiment":"positive","sentiment_score":0.35767478921583723,"num_words":56,"start":1059.925,"end":1074.52},{"sentences":[{"text":"But, yeah, that's kind of something that we could look at doing.","start":1076.42,"end":1078.8201,"sentiment":"neutral","sentiment_score":0.2631282831231753},{"text":"And what I'll do is I'll sort of look at the strategy and how it's gonna end up and how much tax it'll save and la la la la la la.","start":1078.8201,"end":1084.52,"sentiment":"neutral","sentiment_score":0.22696855808458022},{"text":"But how does that sound?","start":1086.875,"end":1088.255,"sentiment":"neutral","sentiment_score":0.1754827618598938},{"text":"Yes.","start":1104.19,"end":1104.5099,"sentiment":"neutral","sentiment_score":0.14520052075386047},{"text":"You do.","start":1104.5099,"end":1105.1499,"sentiment":"neutral","sentiment_score":0.13521656021475792}],"sentiment":"neutral","sentiment_score":0.2252276891879007,"num_words":51,"start":1076.42,"end":1105.1499},{"sentences":[{"text":"Sorry.","start":1105.1499,"end":1105.6299,"sentiment":"neutral","sentiment_score":0.012756695970892906},{"text":"You have sons.","start":1105.6299,"end":1106.61,"sentiment":"neutral","sentiment_score":0.002044240323205789},{"text":"It's it's just it's what what it is is basically I would I will deal with everything from a from a estate planning perspective.","start":1129.1901,"end":1137.53,"sentiment":"neutral","sentiment_score":0.10065991113272806},{"text":"You send me your will, and I'll just reconfirm that your will does encompass your super fund as an asset.","start":1137.67,"end":1142.89,"sentiment":"neutral","sentiment_score":0.17708713933825493},{"text":"And all I'm gonna do is I'm gonna prefill out a document and send it to you for you to sign.","start":1143.935,"end":1149.555,"sentiment":"neutral","sentiment_score":0.1877629937870162}],"sentiment":"neutral","sentiment_score":0.1437607672524409,"num_words":69,"start":1105.1499,"end":1149.555},{"sentences":[{"text":"And we'll do that once I get all of the ducks in a row and everything else.","start":1151.615,"end":1155.4551,"sentiment":"neutral","sentiment_score":0.15654020712656133},{"text":"So from here, I guess, just to summarize, because I know I'm a bit chaotic this morning, is I will send you an email this morning that'll have I need these documents.","start":1155.4551,"end":1170.06,"sentiment":"neutral","sentiment_score":-0.05118670454248786},{"text":"Here's a budget attached.","start":1170.28,"end":1171.5,"sentiment":"neutral","sentiment_score":0.010285798460245132},{"text":"I'm going away for a week tomorrow.","start":1173.4049,"end":1175.645,"sentiment":"neutral","sentiment_score":-0.030419199594429562},{"text":"It's my ten year wedding anniversary.","start":1175.645,"end":1177.265,"sentiment":"neutral","sentiment_score":0.0014192542682091396}],"sentiment":"neutral","sentiment_score":0.013029292395169085,"num_words":66,"start":1151.615,"end":1177.265},{"sentences":[{"text":"Yes.","start":1179.1649,"end":1179.6649,"sentiment":"neutral","sentiment_score":0.2999088168144226},{"text":"Thank you.","start":1179.965,"end":1180.525,"sentiment":"positive","sentiment_score":0.5074122399091721},{"text":"Figured I would go and spend some time with the the man that created three children.","start":1180.525,"end":1184.225,"sentiment":"neutral","sentiment_score":0.09625868080183864},{"text":"He doesn't get much time these days.","start":1185.84,"end":1187.46,"sentiment":"neutral","sentiment_score":-0.0325512449656214},{"text":"So so I'm going away for a week.","start":1188.08,"end":1190.08,"sentiment":"neutral","sentiment_score":-0.035217301454395056}],"sentiment":"neutral","sentiment_score":0.06897867832551985,"num_words":34,"start":1179.1649,"end":1190.08},{"sentences":[{"text":"So when I come back, if you've been able to get everything to me, including the budget, so it means that you don't have to stress about getting it done, you know, today.","start":1190.08,"end":1197.5399,"sentiment":"neutral","sentiment_score":0.18249578977173025},{"text":"You have time.","start":1197.805,"end":1199.185,"sentiment":"neutral","sentiment_score":0.11131744086742401},{"text":"You get it back to me.","start":1199.885,"end":1200.765,"sentiment":"neutral","sentiment_score":0.16594703743855158},{"text":"I'll start looking at it, breaking it all down.","start":1200.765,"end":1202.765,"sentiment":"neutral","sentiment_score":0.17180569138791826},{"text":"Give me a sort of a week or two after that, and I will be able to get everything in in and prepared.","start":1202.765,"end":1208.625,"sentiment":"neutral","sentiment_score":0.1807978470688281}],"sentiment":"neutral","sentiment_score":0.17644050425371607,"num_words":74,"start":1190.08,"end":1208.625},{"sentences":[{"text":"And then you and I can have another conversation where I present everything to you, and then we will follow it and execute it.","start":1208.685,"end":1215.02,"sentiment":"neutral","sentiment_score":0.15720550871143738},{"text":"So there may be some heavy changes to the salary sacrifice arrangement to where your money's coming in, everything like that, but I will make sure that I step you through.","start":1215.02,"end":1222.06,"sentiment":"neutral","sentiment_score":0.04826644375439613},{"text":"So I have Maddie.","start":1222.06,"end":1223.52,"sentiment":"neutral","sentiment_score":0.10896681249141693},{"text":"She's my gorgeous administration, and she will literally I get a handhold through to get everything implemented, make sure that all the documents need to be done.","start":1224.06,"end":1235.9751,"sentiment":"neutral","sentiment_score":0.14283202864505626},{"text":"We'll get those beneficiary forms done for you.","start":1236.035,"end":1238.115,"sentiment":"neutral","sentiment_score":0.12607286032289267}],"sentiment":"neutral","sentiment_score":0.11244794544070325,"num_words":94,"start":1208.685,"end":1238.115},{"sentences":[{"text":"I will prefill them and have everything flow through nicely that way.","start":1238.115,"end":1242.4,"sentiment":"neutral","sentiment_score":0.17471120661745468},{"text":"Mhmm.","start":1245.9,"end":1246.14,"sentiment":"neutral","sentiment_score":0.03977067023515701},{"text":"No.","start":1246.14,"end":1246.38,"sentiment":"neutral","sentiment_score":-0.015351453796029093},{"text":"That's okay.","start":1246.38,"end":1247.18,"sentiment":"neutral","sentiment_score":0.006401834078133105},{"text":"So has I guess, have we touched on everything, and does everything make sense?","start":1247.18,"end":1251.8201,"sentiment":"neutral","sentiment_score":0.009194444066711835}],"sentiment":"neutral","sentiment_score":0.07541598603129387,"num_words":30,"start":1238.115,"end":1251.8201},{"sentences":[{"text":"Because I know you you wanted to sort of make sure, like, your your goals previously were to make sure that you had at least a thousand dollars a week in income, which is where that $2 of a fortnight came from.","start":1251.8201,"end":1263.925,"sentiment":"neutral","sentiment_score":0.025876837738213084},{"text":"Yeah.","start":1267.265,"end":1267.62,"sentiment":"neutral","sentiment_score":0.04134276136755943},{"text":"Yeah.","start":1276.82,"end":1277.32,"sentiment":"neutral","sentiment_score":0.001028293278068304},{"text":"Look.","start":1277.62,"end":1277.94,"sentiment":"neutral","sentiment_score":0.007405306678265333},{"text":"If you if you turn around to if you turn around today and say, Larissa, I need money, I can I can get you money within the next few days?","start":1277.94,"end":1285.625,"sentiment":"neutral","sentiment_score":0.0230565316354235}],"sentiment":"neutral","sentiment_score":0.024377326605220635,"num_words":75,"start":1251.8201,"end":1285.625},{"sentences":[{"text":"If you if you need money right now, I can I can push a pension payment through?","start":1285.9249,"end":1289.365,"sentiment":"neutral","sentiment_score":0.028895334450199324},{"text":"Like, I can have it done.","start":1289.365,"end":1290.905,"sentiment":"neutral","sentiment_score":0.097128181407849},{"text":"Yep.","start":1302.39,"end":1302.89,"sentiment":"neutral","sentiment_score":0.01741888001561165},{"text":"Yes.","start":1313.055,"end":1313.555,"sentiment":"neutral","sentiment_score":0.028445813804864883},{"text":"Okay.","start":1316.3351,"end":1316.8351,"sentiment":"neutral","sentiment_score":0.03521963953971863}],"sentiment":"neutral","sentiment_score":0.04442592721002606,"num_words":26,"start":1285.9249,"end":1316.8351},{"sentences":[{"text":"Yeah.","start":1325.93,"end":1326.43,"sentiment":"neutral","sentiment_score":0.0015807785093784332},{"text":"Just a couple of just a little little increase.","start":1326.5701,"end":1329.15,"sentiment":"neutral","sentiment_score":-0.025070550644563303},{"text":"Yes.","start":1333.2101,"end":1333.7101,"sentiment":"neutral","sentiment_score":-0.0012142062187194824},{"text":"Yeah.","start":1353.2001,"end":1353.6001,"sentiment":"neutral","sentiment_score":-0.04035453498363495},{"text":"Alright.","start":1353.6001,"end":1353.92,"sentiment":"neutral","sentiment_score":-0.021381661295890808}],"sentiment":"neutral","sentiment_score":-0.022077275368456658,"num_words":13,"start":1325.93,"end":1353.92},{"sentences":[{"text":"No.","start":1353.92,"end":1354.16,"sentiment":"neutral","sentiment_score":-0.0414000004529953},{"text":"Absolutely.","start":1354.16,"end":1354.64,"sentiment":"neutral","sentiment_score":-0.0004478748887777329},{"text":"Alright.","start":1354.64,"end":1354.9601,"sentiment":"neutral","sentiment_score":0.04107668250799179},{"text":"Well, I will play the balancing game between mortgage and and the growth of the super funds and long term income needs if you get me all those documents that you have a week.","start":1354.9601,"end":1366.625,"sentiment":"neutral","sentiment_score":0.09780398065991261},{"text":"I mean, you have as long as you take, but yeah.","start":1367.165,"end":1373.665,"sentiment":"neutral","sentiment_score":0.22676383026621558}],"sentiment":"neutral","sentiment_score":0.12122846421940874,"num_words":48,"start":1353.92,"end":1373.665},{"sentences":[{"text":"Yeah.","start":1382.13,"end":1382.45,"sentiment":"neutral","sentiment_score":-0.008941062726080418},{"text":"I know.","start":1382.45,"end":1383.01,"sentiment":"neutral","sentiment_score":-0.03877698816359043},{"text":"But, like, there's the there's the parental guilt because I'm I'm ditching three kids with their grandma.","start":1383.01,"end":1387.43,"sentiment":"neutral","sentiment_score":-0.10689670154277016},{"text":"So my 13 year old's happy.","start":1387.57,"end":1391.75,"sentiment":"neutral","sentiment_score":0.18428620571891466},{"text":"Don't get me wrong.","start":1391.81,"end":1392.93,"sentiment":"neutral","sentiment_score":0.042667629197239876}],"sentiment":"neutral","sentiment_score":-0.02091170713926355,"num_words":30,"start":1382.13,"end":1392.93},{"sentences":[{"text":"Yeah.","start":1392.93,"end":1393.43,"sentiment":"neutral","sentiment_score":0.13287964463233948},{"text":"Yeah.","start":1393.745,"end":1394.145,"sentiment":"neutral","sentiment_score":0.1292358040809631},{"text":"He he's he's he's over the moon.","start":1394.145,"end":1395.985,"sentiment":"neutral","sentiment_score":0.2880554816552571},{"text":"He loves going to grandma's house.","start":1395.985,"end":1397.4451,"sentiment":"positive","sentiment_score":0.33603596935669583},{"text":"But but my two I call them little ones, but they're not really my two little ones are are are less less keen.","start":1398.785,"end":1405.2051,"sentiment":"neutral","sentiment_score":-0.18259247262840686}],"sentiment":"neutral","sentiment_score":0.0025024412101820894,"num_words":38,"start":1392.93,"end":1405.2051},{"sentences":[{"text":"My youngest is a bit of a mama's boy, so he's literally turned around and he's like I was like, mommy and daddy are going away.","start":1405.505,"end":1411.99,"sentiment":"neutral","sentiment_score":-0.25712657977755254},{"text":"He goes, do you not love me anymore?","start":1411.99,"end":1413.77,"sentiment":"negative","sentiment_score":-0.35827212408185005},{"text":"Oh, wow.","start":1414.15,"end":1415.61,"sentiment":"neutral","sentiment_score":-0.24564842879772186},{"text":"Way to shoot a low kid.","start":1416.23,"end":1417.9299,"sentiment":"negative","sentiment_score":-0.38171512881914776},{"text":"Yeah.","start":1420.3099,"end":1420.71,"sentiment":"neutral","sentiment_score":-0.07236487418413162}],"sentiment":"neutral","sentiment_score":-0.2884981528271076,"num_words":43,"start":1405.505,"end":1420.71},{"sentences":[{"text":"I was like, wow.","start":1420.71,"end":1421.83,"sentiment":"neutral","sentiment_score":-0.10264769569039345},{"text":"Just oh, right in the gut.","start":1421.83,"end":1424.4751,"sentiment":"neutral","sentiment_score":-0.13349736606081328},{"text":"But no.","start":1424.4751,"end":1425.2151,"sentiment":"neutral","sentiment_score":-0.12142239138484001},{"text":"Very much looking forward to it.","start":1425.995,"end":1427.3551,"sentiment":"neutral","sentiment_score":-0.029711194957296055},{"text":"I yeah.","start":1427.3551,"end":1428.3151,"sentiment":"neutral","sentiment_score":0.002372626680880785}],"sentiment":"neutral","sentiment_score":-0.0813970839139074,"num_words":20,"start":1420.71,"end":1428.3151},{"sentences":[{"text":"Literally, I turned around.","start":1428.3151,"end":1429.1951,"sentiment":"neutral","sentiment_score":-0.0034344568848609924},{"text":"I was like, you realize we haven't had a holiday in, like, thirteen and a half, fourteen years or something.","start":1429.1951,"end":1433.4551,"sentiment":"neutral","sentiment_score":-0.028297206852585077},{"text":"He was like, yeah.","start":1434.155,"end":1434.795,"sentiment":"neutral","sentiment_score":0.008525294251739979},{"text":"That makes sense.","start":1434.795,"end":1435.675,"sentiment":"neutral","sentiment_score":0.02781454473733902},{"text":"Yeah.","start":1435.675,"end":1435.995,"sentiment":"neutral","sentiment_score":-0.0033651767298579216}],"sentiment":"neutral","sentiment_score":-0.014546947815688327,"num_words":32,"start":1428.3151,"end":1435.995},{"sentences":[{"text":"Just life.","start":1435.995,"end":1436.8151,"sentiment":"neutral","sentiment_score":-0.013070357963442802},{"text":"Yeah.","start":1439.74,"end":1440.24,"sentiment":"neutral","sentiment_score":-0.04993428289890289},{"text":"No.","start":1441.34,"end":1441.66,"sentiment":"neutral","sentiment_score":-0.12159381061792374},{"text":"Not a lot, but it's enough.","start":1441.66,"end":1442.9601,"sentiment":"neutral","sentiment_score":-0.13112756982445717},{"text":"Yeah.","start":1451.9249,"end":1452.325,"sentiment":"neutral","sentiment_score":-0.13158480823040009}],"sentiment":"neutral","sentiment_score":-0.10145627605644139,"num_words":11,"start":1435.995,"end":1452.325},{"sentences":[{"text":"Disappeared too quickly too.","start":1452.325,"end":1453.785,"sentiment":"negative","sentiment_score":-0.4059198871254921},{"text":"No.","start":1458.485,"end":1458.8049,"sentiment":"neutral","sentiment_score":-0.052635062485933304},{"text":"That's okay.","start":1458.8049,"end":1459.625,"sentiment":"neutral","sentiment_score":-0.017911330796778202},{"text":"Perfect.","start":1462.085,"end":1462.585,"sentiment":"positive","sentiment_score":0.795624852180481},{"text":"And if you have any if you have any issues or or questions over the next week, just give my team a call.","start":1462.645,"end":1467.33,"sentiment":"neutral","sentiment_score":0.24124589497628418}],"sentiment":"neutral","sentiment_score":0.14942397303398577,"num_words":31,"start":1452.325,"end":1467.33},{"sentences":[{"text":"I'm gonna leave, like, really specific instructions on file so they'll be able to do anything, and and they'll be able to help you out, or I will give you a call once I get back.","start":1467.33,"end":1476.3099,"sentiment":"neutral","sentiment_score":0.22334174315134683},{"text":"No.","start":1479.01,"end":1479.25,"sentiment":"neutral","sentiment_score":0.2753797173500061},{"text":"No problem, Linda.","start":1479.25,"end":1480.13,"sentiment":"positive","sentiment_score":0.37749142448107403},{"text":"You have a good one.","start":1480.13,"end":1481.19,"sentiment":"positive","sentiment_score":0.5731702387332916},{"text":"We'll talk soon.","start":1482.1589,"end":1483.1389,"sentiment":"neutral","sentiment_score":0.1411565293868383}],"sentiment":"neutral","sentiment_score":0.265364115126431,"num_words":48,"start":1467.33,"end":1483.1389},{"sentences":[{"text":"Bye.","start":1483.199,"end":1483.699,"sentiment":"neutral","sentiment_score":0.10684078931808472}],"sentiment":"neutral","sentiment_score":0.10684078931808472,"num_words":1,"start":1483.199,"end":1483.699}]}}]},{"alternatives":[{"transcript":"Good morning. Linda speaking. Good, Larissa. How are you? Oh, is it? Okay. Oh, it's nice and sunny here in Sydney. So, yeah, I was just thinking what a lovely day. But it's going to be the other way around, isn't it? The Gold Coast. Yes. Yes. Yes. Yes. Thank you so much for calling on time. Yep. Yep. Sure. Lynn dot suki Grayson. Grayson. Suki. Lovely. So so I don't need to do name, date of birth? No. Okay. Right. Right. Yes. Yeah. I bet. Well, I guess I just wanted to find out a bit more about it. I'm kind of I'm I've I have cut down to four days. It's sort of on a, you know, three monthly, like, reapply basis. But, yeah, there's just a bit of restructure happening at work, and I'll I'll I'll hopefully lock it in permanently, but and even potentially go to three days just that my parents need a bit more help. But I guess when that was set up, I'm I'm not completely clear on how to access. And also just that I did read somewhere something about once you do touch it, you'll then you can then be taxed on it all or something. I just wanted to clarify that side of it. Yep. Right. Okay. Yep. Yep. Okay. Okay. Okay. Okay. Yeah. Yeah. I get paid wins generally, Wednesdays. So next Wednesday would be my payday. So this is is it off Wednesday. Yeah. Yep. Yep. Mhmm. Yes. Mhmm. Yeah. Okay. Okay. Okay. Right. Okay. That that sounds good as well. I just wanted to I've had one since this was set up, which was only sort of at the end of last year, I had one annual payment. And is that what it would normally look like? Would I is am I due for one soon? Like, I I I wasn't sure if that was just a kind of a Right. Yeah. I am finding it a bit tougher. Only because and also because I I guess there is a salary sacrifice in there too, which I hadn't had before. So I have yeah. It's a little bit more noticeable. I am trying to manage on it, but I just wanted to know a bit more about yeah. I guess I sorry. There's one other thing, Larissa, too, that I wanted to talk about was was that the punch fund. Thank you. But also, I just wanted to also explore or discuss with you whether because I've still got a mortgage of about 300,000, I'm just and I've got, what do you call it, redraw accounts. I'm just wondering also whether it's possible or advisable to kind of reduce that with an offset account. Yeah. Okay. Yep. Yep. Yep. Yes. Yes. Yes. Mhmm. Yes. Yep. Right. Yep. Okay. I think I worked it out as 2,000 net, but I think I was operating on pretty tight when I worked that out. Yeah. So it might be a bit more than that, but I can look at that again. Okay. Great. Yep. Yep. Yep. Yep. Sure. Mhmm. Yep. Yeah. Yep. Yeah. Okay. Yeah. I'm not I'm not a big spender, but but, yeah, looking at relooking at that would be good because, yeah, obviously, you know, having a holiday every now and then, things like that would be good as well. And so I wanna live like a complete none. Yeah. No. That's alright. I I also feel like that there's maybe I've I've got a pile of documents here, and I feel like there's some that maybe I still need to fill out. Yes. So Mhmm. Okay. Great. Okay. Yep. Yep. Yep. No. I think it went up, but I don't know exactly what it is now. But it is yeah. I'll send it, yeah, the payslip. Yep. Yep. Yep. I can. Yep. Yep. Yep. Oh, yes. I did that. I did it finally. Yeah. Hallelujah. I can't believe. I know. I was very happy that I finally did the whole thing. Yes. So so that's done. Yes. Sure. Yes. Yes. Yes. Yes. Mhmm. Right. Okay. Yes. Mhmm. Mhmm. Fine. That's right. Yep. Okay. Yep. Yes. Yes. Yeah. Yes. Okay. Okay. It sounds good. Yes. Yep. Yeah. Right. Yep. Okay. That sounds good. Yeah. That sounds good. So, yeah, I've got I've got a 2023 I've got two sons, a 23 year old and an almost 21 year old. So, yeah, which is what my will yeah. That's alright. Yeah. No. That's okay. And yeah. So is there anything as far as what you were just saying there about my sons that they need to do wise or it's really just no? Yep. Okay. Alright. Okay. Yep. No. I don't. Mhmm. Yep. Yep. No. Congratulations. No. Sure. Yeah. Yeah. Yeah. Yep. Yep. Okay. Beautiful. Yep. Yep. No worries. Okay. Beautiful. Alright. Sounds fantastic. Thanks very much. Yep. Yeah. Yeah. That's right. But I will relook at that. Yeah. No. That that would be good. I just wasn't I guess, if I did need to start accessing that pension account, I just wasn't sure about it and the tax and then also just the offset for the mortgage. Yeah. No. That's alright. That's okay. I've I've just I I did touch my redraw, which isn't much anyway. I did have to redo my mortgage, which I will chase up as well. It's a long story, but, yeah, no. I'm okay. I was just I forgot about car rego time. So, yeah, I think things have been a little bit tight, but it's fine. It's fine at the moment. And, yeah, I just wanna double check all that mortgage stuff, especially in the light of what's just happened in the news. Yeah. Yeah. But just those interest payments are just killing me a bit, and I would love yeah. I think it would make more sense to kind of try and work the the super a little bit if you can. That would be great because it just is crazy that I'm paying all this interest. And, yeah, it's one of those things. Having the balance there of super mortgage is a tricky one. Lovely. Great. Beautiful. Thank you. Yeah. Yeah. Yeah. Yeah. But but at least a week. Okay. And have a great time. Enjoy. And, yeah, a week doesn't seem long enough, but I hope it I hope it feels like it is. Oh, yes. Cool. Right. Yeah. Of course. Of course. Of course. Oh, bless grandma. Oh, good. No. That's good. Yes. Right. No. That's big parental bills there. Yeah. No. Oh. Yeah. Yes. Yeah. Give us a give us a week. That's that's not a lot to ask. Yeah. No. Yeah. No. That's good. That's good. Oh, well, that's good if it's just the two of you and no kids, and it will a week will be good. Yeah. Yeah. Alright. Thank you so much. Let me see, and I'll get all those documents. Yeah. Appreciate it. Okay. Okay. Beautiful. Thank you. Mhmm. You too. Bye bye. Bye. 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morning. Linda speaking. Good, Larissa. How are you? Oh, is it?\n\nOkay. Oh, it's nice and sunny here in Sydney. So, yeah, I was just thinking what a lovely day. But it's going to be the other way around, isn't it? The Gold Coast.\n\nYes. Yes. Yes. Yes. Thank you so much for calling on time.\n\nYep. Yep. Sure. Lynn dot suki Grayson. Grayson.\n\nSuki. Lovely. So so I don't need to do name, date of birth? No. Okay.\n\nRight. Right. Yes. Yeah. I bet.\n\nWell, I guess I just wanted to find out a bit more about it. I'm kind of I'm I've I have cut down to four days. It's sort of on a, you know, three monthly, like, reapply basis. But, yeah, there's just a bit of restructure happening at work, and I'll I'll I'll hopefully lock it in permanently, but and even potentially go to three days just that my parents need a bit more help. But I guess when that was set up, I'm I'm not completely clear on how to access.\n\nAnd also just that I did read somewhere something about once you do touch it, you'll then you can then be taxed on it all or something. I just wanted to clarify that side of it. Yep. Right. Okay.\n\nYep. Yep. Okay. Okay. Okay.\n\nOkay. Yeah. Yeah. I get paid wins generally, Wednesdays. So next Wednesday would be my payday.\n\nSo this is is it off Wednesday. Yeah. Yep. Yep. Mhmm.\n\nYes. Mhmm. Yeah. Okay. Okay.\n\nOkay. Right. Okay. That that sounds good as well. I just wanted to I've had one since this was set up, which was only sort of at the end of last year, I had one annual payment.\n\nAnd is that what it would normally look like? Would I is am I due for one soon? Like, I I I wasn't sure if that was just a kind of a Right. Yeah. I am finding it a bit tougher.\n\nOnly because and also because I I guess there is a salary sacrifice in there too, which I hadn't had before. So I have yeah. It's a little bit more noticeable. I am trying to manage on it, but I just wanted to know a bit more about yeah. I guess I sorry.\n\nThere's one other thing, Larissa, too, that I wanted to talk about was was that the punch fund. Thank you. But also, I just wanted to also explore or discuss with you whether because I've still got a mortgage of about 300,000, I'm just and I've got, what do you call it, redraw accounts. I'm just wondering also whether it's possible or advisable to kind of reduce that with an offset account. Yeah.\n\nOkay. Yep. Yep. Yep. Yes.\n\nYes. Yes. Mhmm. Yes. Yep.\n\nRight. Yep. Okay. I think I worked it out as 2,000 net, but I think I was operating on pretty tight when I worked that out. Yeah.\n\nSo it might be a bit more than that, but I can look at that again. Okay. Great. Yep. Yep.\n\nYep. Yep. Sure. Mhmm. Yep.\n\nYeah. Yep. Yeah. Okay. Yeah.\n\nI'm not I'm not a big spender, but but, yeah, looking at relooking at that would be good because, yeah, obviously, you know, having a holiday every now and then, things like that would be good as well. And so I wanna live like a complete none. Yeah. No. That's alright.\n\nI I also feel like that there's maybe I've I've got a pile of documents here, and I feel like there's some that maybe I still need to fill out. Yes. So Mhmm. Okay. Great.\n\nOkay. Yep. Yep. Yep. No.\n\nI think it went up, but I don't know exactly what it is now. But it is yeah. I'll send it, yeah, the payslip. Yep. Yep.\n\nYep. I can. Yep. Yep. Yep.\n\nOh, yes. I did that. I did it finally. Yeah. Hallelujah.\n\nI can't believe. I know. I was very happy that I finally did the whole thing. Yes. So so that's done.\n\nYes. Sure. Yes. Yes. Yes.\n\nYes. Mhmm. Right. Okay. Yes.\n\nMhmm. Mhmm. Fine. That's right. Yep.\n\nOkay. Yep. Yes. Yes. Yeah.\n\nYes. Okay. Okay. It sounds good. Yes.\n\nYep. Yeah. Right. Yep. Okay.\n\nThat sounds good. Yeah. That sounds good. So, yeah, I've got I've got a 2023 I've got two sons, a 23 year old and an almost 21 year old. So, yeah, which is what my will yeah.\n\nThat's alright. Yeah. No. That's okay. And yeah.\n\nSo is there anything as far as what you were just saying there about my sons that they need to do wise or it's really just no? Yep. Okay. Alright. Okay.\n\nYep. No. I don't. Mhmm. Yep.\n\nYep. No. Congratulations. No. Sure.\n\nYeah. Yeah. Yeah. Yep. Yep.\n\nOkay. Beautiful. Yep. Yep. No worries.\n\nOkay. Beautiful. Alright. Sounds fantastic. Thanks very much.\n\nYep. Yeah. Yeah. That's right. But I will relook at that.\n\nYeah. No. That that would be good. I just wasn't I guess, if I did need to start accessing that pension account, I just wasn't sure about it and the tax and then also just the offset for the mortgage. Yeah.\n\nNo. That's alright. That's okay. I've I've just I I did touch my redraw, which isn't much anyway. I did have to redo my mortgage, which I will chase up as well.\n\nIt's a long story, but, yeah, no. I'm okay. I was just I forgot about car rego time. So, yeah, I think things have been a little bit tight, but it's fine. It's fine at the moment.\n\nAnd, yeah, I just wanna double check all that mortgage stuff, especially in the light of what's just happened in the news. Yeah. Yeah. But just those interest payments are just killing me a bit, and I would love yeah. I think it would make more sense to kind of try and work the the super a little bit if you can.\n\nThat would be great because it just is crazy that I'm paying all this interest. And, yeah, it's one of those things. Having the balance there of super mortgage is a tricky one. Lovely. Great.\n\nBeautiful. Thank you. Yeah. Yeah. Yeah.\n\nYeah. But but at least a week. Okay. And have a great time. Enjoy.\n\nAnd, yeah, a week doesn't seem long enough, but I hope it I hope it feels like it is. Oh, yes. Cool. Right. Yeah.\n\nOf course. Of course. Of course. Oh, bless grandma. Oh, good.\n\nNo. That's good. Yes. Right. No.\n\nThat's big parental bills there. Yeah. No. Oh. Yeah.\n\nYes. Yeah. Give us a give us a week. That's that's not a lot to ask. Yeah.\n\nNo. Yeah. No. That's good. That's good.\n\nOh, well, that's good if it's just the two of you and no kids, and it will a week will be good. Yeah. Yeah. Alright. Thank you so much.\n\nLet me see, and I'll get all those documents. Yeah. Appreciate it. Okay. Okay.\n\nBeautiful. Thank you. Mhmm. You too. Bye bye.\n\nBye. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.68,"end":2.24,"sentiment":"neutral","sentiment_score":0.20717189460992813},{"text":"Linda speaking.","start":2.24,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.12056014686822891},{"text":"Good, Larissa.","start":7.12,"end":7.9199996,"sentiment":"positive","sentiment_score":0.3676171898841858},{"text":"How are you?","start":7.9199996,"end":8.74,"sentiment":"neutral","sentiment_score":0.2637539853652318},{"text":"Oh, is it?","start":15.835,"end":16.635,"sentiment":"neutral","sentiment_score":-0.020847891146938007}],"sentiment":"neutral","sentiment_score":0.17661806211496392,"num_words":12,"start":1.68,"end":16.635},{"sentences":[{"text":"Okay.","start":16.635,"end":17.135,"sentiment":"neutral","sentiment_score":-0.005487672984600067},{"text":"Oh, it's nice and sunny here in Sydney.","start":18.475,"end":20.635,"sentiment":"neutral","sentiment_score":0.1975404154509306},{"text":"So, yeah, I was just thinking 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see, and I'll get all those documents.","start":1458.8201,"end":1460.84,"sentiment":"neutral","sentiment_score":0.14420559836758506},{"text":"Yeah.","start":1460.9,"end":1461.4,"sentiment":"positive","sentiment_score":0.4837569296360016},{"text":"Appreciate it.","start":1462.5801,"end":1463.56,"sentiment":"positive","sentiment_score":0.5261201560497284},{"text":"Okay.","start":1471.5549,"end":1472.0549,"sentiment":"neutral","sentiment_score":0.1635185480117798},{"text":"Okay.","start":1476.7389,"end":1477.1388,"sentiment":"positive","sentiment_score":0.3715994954109192}],"sentiment":"neutral","sentiment_score":0.24064040503331594,"num_words":14,"start":1458.8201,"end":1477.1388},{"sentences":[{"text":"Beautiful.","start":1477.1388,"end":1477.6388,"sentiment":"positive","sentiment_score":0.8038535714149475},{"text":"Thank you.","start":1477.8589,"end":1478.6788,"sentiment":"positive","sentiment_score":0.7833025753498077},{"text":"Mhmm.","start":1480.3389,"end":1480.8389,"sentiment":"positive","sentiment_score":0.3836186528205872},{"text":"You too.","start":1481.2189,"end":1481.8589,"sentiment":"positive","sentiment_score":0.4173727184534073},{"text":"Bye bye.","start":1481.8589,"end":1482.4988,"sentiment":"neutral","sentiment_score":0.19739717990159988}],"sentiment":"positive","sentiment_score":0.49795214645564556,"num_words":8,"start":1477.1388,"end":1482.4988},{"sentences":[{"text":"Bye.","start":1482.4988,"end":1482.9988,"sentiment":"neutral","sentiment_score":0.1352464109659195},{"text":"Bye.","start":1483.5388,"end":1484.0388,"sentiment":"neutral","sentiment_score":-0.12062621116638184}],"sentiment":"neutral","sentiment_score":0.007310099899768829,"num_words":2,"start":1482.4988,"end":1484.0388}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Good morning. Linda speaking.\n\nChannel 0: Good morning, Linda. Larissa from Oakview Financial. How are you going?\n\nChannel 1: Good, Larissa. How are you?\n\nChannel 0: Yeah. Good, darling. Can't complain. It's a beautifully overcast ish day, so nice and\n\nChannel 1: Oh, is\n\nChannel 0: cold.\n\nChannel 1: it? Okay.\n\nChannel 0: Yes, unfortunately.\n\nChannel 1: Oh, it's nice and sunny here in Sydney. So, yeah, I was just thinking what a lovely day. But it's going\n\nChannel 0: Oh, you're\n\nChannel 1: to\n\nChannel 0: living\n\nChannel 1: be the other\n\nChannel 0: it up.\n\nChannel 1: way around, isn't it? The Gold Coast.\n\nChannel 0: What? I know. It's supposed to be the same thing. They lied. No.\n\nIt's alright. Honestly, don't mind a little bit of an overcast day. Just sad there's no book, wine, and\n\nChannel 1: Yes.\n\nChannel 0: blanket.\n\nChannel 1: Yes. Yes. Yes.\n\nChannel 0: Anyway,\n\nChannel 1: Thank\n\nChannel 0: my\n\nChannel 1: you so\n\nChannel 0: darling\n\nChannel 1: much for calling on\n\nChannel 0: no.\n\nChannel 1: time.\n\nChannel 0: No. You're okay. Before I do jump into it,\n\nChannel 1: Yep.\n\nChannel 0: I just need to let you know that our calls are recorded and\n\nChannel 1: Yep.\n\nChannel 0: get you to complete security for me. It's just full name, date of birth, and\n\nChannel 1: Sure.\n\nChannel 0: address.\n\nChannel 1: Lynn\n\nChannel 0: Oh, sorry. You have\n\nChannel 1: dot\n\nChannel 0: a password if you wanna use your cat's name.\n\nChannel 1: suki Grayson.\n\nChannel 0: Yes. Nope. That's\n\nChannel 1: Grayson.\n\nChannel 0: fine.\n\nChannel 1: Suki. Lovely.\n\nChannel 0: Perfect.\n\nChannel 1: So so I don't need to do name,\n\nChannel 0: No.\n\nChannel 1: date\n\nChannel 0: No.\n\nChannel 1: of birth? No.\n\nChannel 0: No.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. We\n\nChannel 1: Right.\n\nChannel 0: we we have a password on file to make it easier for you.\n\nChannel 1: Right.\n\nChannel 0: I'm just so in the habit of name, date of birth, and address.\n\nChannel 1: Yes. Yeah. I bet.\n\nChannel 0: Anyway, so I understand that you're wanting to look at commencing, like, regular pension payments and get everything set up.\n\nChannel 1: Well, I guess I just wanted to find out a bit more about it.\n\nChannel 0: Yeah.\n\nChannel 1: I'm kind of I'm I've I have cut down to four days. It's sort of on a, you know, three monthly, like, reapply basis. But, yeah, there's just a bit of restructure happening at work, and I'll I'll I'll hopefully lock it in permanently, but and even potentially go to three days just that my parents need a bit more help. But I guess when that was set up, I'm I'm not completely clear on how to access. And also just that I did read somewhere something about once you do touch it, you'll then you can then be taxed on it all or something.\n\nI just wanted to clarify that side\n\nChannel 0: Oh,\n\nChannel 1: of it.\n\nChannel 0: okay. No. You're okay. So because you're over 60, there's\n\nChannel 1: Yep.\n\nChannel 0: no tax. You're you're\n\nChannel 1: Right.\n\nChannel 0: good on\n\nChannel 1: Okay.\n\nChannel 0: that front.\n\nChannel 1: Yep.\n\nChannel 0: If you were prior to 60, then\n\nChannel 1: Yep.\n\nChannel 0: yes. Yes. It is taxable.\n\nChannel 1: Okay.\n\nChannel 0: So you're actually pretty, I guess, kosher on that front from a tax\n\nChannel 1: Okay.\n\nChannel 0: perspective. In terms of, I guess, the pension TTR side of things, we can definitely pivot because currently your pension account's set up for annual payments. So it's like a lump sum that comes out to you annually, but we can definitely pivot that and make it a more regular payment structure to offset the reduction to your hours.\n\nChannel 1: Okay.\n\nChannel 0: Can I can I ask how like, do you get paid weekly, fortnightly, monthly? Yeah. Perfect. So we can we can definitely have it. I mean, not that that answer really matters, but we can have it pay we can have it pay sort of on your on or on your off cycle payment wise.\n\nSo,\n\nChannel 1: Okay.\n\nChannel 0: basically, like, say you got got I mean, what day do\n\nChannel 1: Yeah.\n\nChannel 0: you get paid?\n\nChannel 1: Yeah. I get paid wins generally, Wednesdays. So next Wednesday would be my payday. So this is\n\nChannel 0: Alright.\n\nChannel 1: is it off Wednesday.\n\nChannel 0: This is an\n\nChannel 1: Yeah.\n\nChannel 0: off week. Yeah. So we could\n\nChannel 1: Yep.\n\nChannel 0: have it fall basically on the same Wednesday or on the same Friday or, you know, whatever.\n\nChannel 1: Yep.\n\nChannel 0: And or we could have it fall on the off Wednesday. So, basically, every week you get a pay cycle. Generally, people who get paid fortnightly are used to fortnightly pay, so changing that kind of messes with the flow of finances.\n\nChannel 1: Mhmm.\n\nChannel 0: So\n\nChannel 1: Yes.\n\nChannel 0: most of my clients generally like to stick with the cycle that they're currently getting paid on. But\n\nChannel 1: Mhmm.\n\nChannel 0: the option the option is there. I have had the the weird, I guess, curveball where clients are like, no. Actually, I'd like to be paid every week. So it's personal preference,\n\nChannel 1: Yeah.\n\nChannel 0: really. But definitely,\n\nChannel 1: Okay.\n\nChannel 0: we can structure it to be paid fortnightly, and you can kinda pick the week that it starts.\n\nChannel 1: Okay.\n\nChannel 0: And it's just a matter of, I guess, us talking about what that payment looks like because your account has to pay out at least the minimum requirement for it. And I guess we can sort of because you've reduced your hours, we can kind of talk a little bit more about maybe salary sacrificing money into the fund, paying much less tax, and structuring it a little bit that way as well. So we can kind of offset your taxable income from your employer through popping all of the money in there, getting a little bit from your employer, but most of it from your pension account to\n\nChannel 1: Okay.\n\nChannel 0: drop the tax.\n\nChannel 1: Right. Okay. That that sounds good as well. I just wanted to I've had one since this was set up, which was\n\nChannel 0: Yep.\n\nChannel 1: only sort of at the end of last year, I had one annual payment.\n\nChannel 0: Yep.\n\nChannel 1: And is that what it would normally look like? Would I is am I due for one soon? Like, I I I wasn't sure if that was just a kind of a\n\nChannel 0: No. The account's being set up as an annual payment. So that was based on, I guess, the conversation that you had with the adviser at the time.\n\nChannel 1: Right.\n\nChannel 0: But but we we can definitely change and pivot. Like, there's there's nothing saying that once it's in place that we can't change it. We are\n\nChannel 1: Yeah.\n\nChannel 0: 100% able to change it. And the fact that you've reduced your hours down to four, can I ask, with the reduction to your hours, are you still comfortable with the pay you're getting, or you will be seeking a little bit more income?\n\nChannel 1: I am finding it a bit tougher.\n\nChannel 0: Yeah. A bit tight. Yep.\n\nChannel 1: Only because and also because I I guess there is a salary sacrifice in there too, which I hadn't had before. So I have yeah. It's a little bit more noticeable. I am trying to manage on it, but\n\nChannel 0: Yeah.\n\nChannel 1: I just wanted to know a bit more about yeah. I guess I sorry. There's one other thing, Larissa, too, that I wanted to talk about was was that the punch fund. Thank you. But also, I just wanted to also explore or discuss with you whether because I've still got a mortgage of about 300,000,\n\nChannel 0: Mhmm.\n\nChannel 1: I'm just and I've got, what do you call it, redraw accounts. I'm just wondering also whether it's possible or advisable to kind of\n\nChannel 0: Yeah.\n\nChannel 1: reduce that with an offset account.\n\nChannel 0: Yeah. Okay. No. I\n\nChannel 1: Yeah.\n\nChannel 0: love no. No. We can definitely explore these areas. Okay. So there's a couple of things I guess I want from you to be able to explore, and we're not gonna\n\nChannel 1: Okay.\n\nChannel 0: hang up the phone and finish the conversation. But while I'm kinda thinking about it, just so I can write it down, is I will need a current mortgage statement that\n\nChannel 1: Yep.\n\nChannel 0: has, you know,\n\nChannel 1: Yep.\n\nChannel 0: how much you have in redraw, what your interest rate is, what the term of the loan is.\n\nChannel 1: Yep.\n\nChannel 0: I also need, I guess, like, the last pay slip you have just so I understand what your actual pay looks like, hours worked, sales act arrangement, all of that, so\n\nChannel 1: Yes.\n\nChannel 0: I can work out taxable,\n\nChannel 1: Yes.\n\nChannel 0: I guess, position. That\n\nChannel 1: Yes.\n\nChannel 0: will enable me to kind of explore both of those areas because what I can actually look look at is I can look at if we draw more from your super fund to throw onto the mortgage each pay cycle, how is\n\nChannel 1: Mhmm.\n\nChannel 0: that going to affect your compounding return on your super fund, and how is that gonna affect the interest rate and the time variance on your mortgage. So it's, I guess, comparing if we do this scenario, what happens? If we compare this scenario, what happens?\n\nChannel 1: Yes.\n\nChannel 0: And it the scenario is money in super funds mortgage paid off. So\n\nChannel 1: Yep.\n\nChannel 0: that that's something I can definitely play with. Absolutely adore playing in that scope,\n\nChannel 1: Right.\n\nChannel 0: being being able to see whether we can get the mortgage paid down and what that looks like.\n\nChannel 1: Yep.\n\nChannel 0: So that's gonna enable us to do that. I guess the the conversation kind of from here goes to, well, the money that you earn at the moment is getting a little bit tight. So what kind of income do you actually need per fortnight for yourself net? Go with your net income.\n\nChannel 1: Okay.\n\nChannel 0: Is it in your pocket to be able to comfortably live, have a bit of discretionary spending, pay all the bills?\n\nChannel 1: I think I worked it out as 2,000 net, but\n\nChannel 0: Yeah.\n\nChannel 1: I think I was operating on pretty tight when I worked that out.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. So it might be a bit more than that,\n\nChannel 0: Okay.\n\nChannel 1: but I can look at that again.\n\nChannel 0: Yeah. If you if you have a look at it and, like, what I can do is I can send you an email with after we get on the phone, I'll send you an email. And in that email, I'll have a request for the documents that I just said. So\n\nChannel 1: Okay.\n\nChannel 0: that way, you have them written down and you know exactly\n\nChannel 1: Great.\n\nChannel 0: what I'm asking for.\n\nChannel 1: Yep.\n\nChannel 0: And I can even attach a budget planner if you'd like, and you can kind of go through and fill out the budget planner because it has the availability for the things we don't always think about when we're planning our budget, like the haircut or the gym or\n\nChannel 1: Yep.\n\nChannel 0: hey. Actually, I do actually need to buy myself clothes every now and again.\n\nChannel 1: Yep.\n\nChannel 0: So it has all those kind of, I guess, little bit discretionary spending,\n\nChannel 1: Yep.\n\nChannel 0: you know, beautification type of things\n\nChannel 1: Sure.\n\nChannel 0: on that budget that'll allow you to actually kinda pop those in and actually have a more of a understanding as to what your annual income needs to be\n\nChannel 1: Mhmm.\n\nChannel 0: for you to live comfortably.\n\nChannel 1: Yep. Yeah. Yep.\n\nChannel 0: And I can map it\n\nChannel 1: Yeah.\n\nChannel 0: from there. And then if I need to cut it back to say, hey. Hey. Look, Linda, if we live this way, we're not gonna we're not gonna make it long term finance wise, then I can start having that conversation with you. But but I think, you know, based on what you're saying, it's it's it's\n\nChannel 1: Okay.\n\nChannel 0: quite reasonable $2 a fortnight. But\n\nChannel 1: Yeah. I'm not I'm not a big spender, but but, yeah, looking at relooking\n\nChannel 0: that was a bit\n\nChannel 1: at that\n\nChannel 0: tight.\n\nChannel 1: would be good because,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, obviously, you know, having a holiday every now and then, things like that would\n\nChannel 0: Can\n\nChannel 1: be good\n\nChannel 0: be\n\nChannel 1: as\n\nChannel 0: nice.\n\nChannel 1: well. And\n\nChannel 0: Yeah.\n\nChannel 1: so I wanna live like a complete none. Yeah.\n\nChannel 0: No. No. We don't. We we don't\n\nChannel 1: No.\n\nChannel 0: want to at all. Well, let's do this. What I will do is let me just go and grab a few details so I can make why did I do that? I already had your file open. I just went back to the beginning.\n\nLet me Computers are never my friend, especially first thing in the morning.\n\nChannel 1: That's alright. I I also feel like that there's maybe I've I've got a pile of documents here, and I feel like there's some that maybe I still need to\n\nChannel 0: Fill out. That's that's\n\nChannel 1: fill out. Yes. So\n\nChannel 0: absolutely okay. I had a look at your account last week when when Jacob Whitlam booked you into my calendar. So I had a list of things that I wanted to go through with you anyway.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: So\n\nChannel 1: Great.\n\nChannel 0: let me just do this part first just so I could make sure that all my details are up to date that I have on you. We can go from there. So\n\nChannel 1: Okay.\n\nChannel 0: so just confirming, we're still single. We're still at Chiswick Road.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Still working in the same job we were, so still government\n\nChannel 1: Yep.\n\nChannel 0: job caseworker. Fantastic.\n\nChannel 1: Yep.\n\nChannel 0: Your income was 116. Is that still your income you're just now earning pro rata of that?\n\nChannel 1: No. I think it went up, but\n\nChannel 0: It's\n\nChannel 1: I\n\nChannel 0: okay.\n\nChannel 1: don't know\n\nChannel 0: You'll\n\nChannel 1: exactly\n\nChannel 0: you'll\n\nChannel 1: what\n\nChannel 0: send\n\nChannel 1: it\n\nChannel 0: you'll\n\nChannel 1: is\n\nChannel 0: send\n\nChannel 1: now. But it is yeah. I'll\n\nChannel 0: your\n\nChannel 1: send\n\nChannel 0: you'll\n\nChannel 1: it,\n\nChannel 0: send\n\nChannel 1: yeah,\n\nChannel 0: your\n\nChannel 1: the payslip.\n\nChannel 0: payslips. That's okay. Asset wise, I've got the mortgage. So the primary residence, and then I've got the\n\nChannel 1: Yep.\n\nChannel 0: car.\n\nChannel 1: Yep.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Amazing. So that's all of that all sorted. Now I'm just gonna re refresh my memory and flick back over to my other screen to my screens. So paperwork wise that you need to fill out and complete, there are beneficiary nominations that we need to get on your account. So it means that if\n\nChannel 1: I\n\nChannel 0: something\n\nChannel 1: can.\n\nChannel 0: happens to you\n\nChannel 1: Yep.\n\nChannel 0: if something happens to you,\n\nChannel 1: Yep.\n\nChannel 0: the super fund knows where to pay the the benefit to. Now\n\nChannel 1: Yep.\n\nChannel 0: according to my records, which is my favorite thing of the day, you were in the process of getting a will in place\n\nChannel 1: Oh,\n\nChannel 0: last\n\nChannel 1: yes.\n\nChannel 0: year.\n\nChannel 1: I did that. I did it finally. Yeah.\n\nChannel 0: Oh my\n\nChannel 1: Hallelujah.\n\nChannel 0: gosh. Such pride\n\nChannel 1: I can't\n\nChannel 0: and\n\nChannel 1: believe.\n\nChannel 0: happiness.\n\nChannel 1: I know. I was very happy that I finally did the whole thing.\n\nChannel 0: Perfect.\n\nChannel 1: Yes. So\n\nChannel 0: So\n\nChannel 1: so that's\n\nChannel 0: would you\n\nChannel 1: done.\n\nChannel 0: would you like to because there's obviously, your lawyer holds your will.\n\nChannel 1: Yes.\n\nChannel 0: Generally, it can be actually really convenient for us to hold a copy of your will as well.\n\nChannel 1: Sure.\n\nChannel 0: While there's nothing we can do with it, it means\n\nChannel 1: Yes.\n\nChannel 0: that if we ever get like, if anything happens to you and someone reaches out to us, we've already got a copy on file. So we have, I guess, a little bit of a leg up as to who we can talk to, and we have knowledge of where you've made your decisions on what to go.\n\nChannel 1: Yes.\n\nChannel 0: And it means that when it comes down to you nominating the beneficiaries, I could be a little bit more pointed as to where we're actually putting them. Because\n\nChannel 1: Yes.\n\nChannel 0: realistically speaking, you have a son who's in their early twenties.\n\nChannel 1: Yes.\n\nChannel 0: So that would indicate to me that the best place for me to send your money from your super fund would ultimately actually be your estate. So it means that we send the money to a bank account in your in your name after you passed away because\n\nChannel 1: Mhmm.\n\nChannel 0: we pay less tax that way.\n\nChannel 1: Right. Okay.\n\nChannel 0: Now there is a couple of things we could actually do in, I guess, this, like, little advice piece where I could kinda do a little bit of, like, a a flip around with your account. I know that sounds a little bit haywire, but but so salary sacrifice arrangement, that is where you take money out of your gross income, pop it into your super fund, and the super fund pays the 15% taxable rate, and you save your marginal rate.\n\nChannel 1: Yes.\n\nChannel 0: There's another type of contribution type, which is where it's called non concessional or personal contributions. It's where you actually pay your your personal marginal tax rate, and you put the money\n\nChannel 1: Mhmm.\n\nChannel 0: into the super fund, and the super fund pays no tax. So what that means is the super fund holds that money tax free. Now when we become 60, there's this really fun thing that we get to be able to do, and that's where we can actually take all of our money out of the super and pop it back into the super fund and convert the money from a taxable portion into a tax free. And now the benefits of doing that is because when we because when we pass away, if we're nominating our funds to go to someone who is not a tax dependent for which your 23 year old wouldn't\n\nChannel 1: Mhmm.\n\nChannel 0: be, they actually pay 17% tax on the taxable component of the fund.\n\nChannel 1: Fine.\n\nChannel 0: Now your super fund is, like, all taxable, which means that 17% on some money. I keep pacing while I'm walking, so I'm not really looking.\n\nChannel 1: That's\n\nChannel 0: I'm\n\nChannel 1: right.\n\nChannel 0: terrible at doing that. So it it just means that there's quite a bit of tax that's kind of payable come that time, I guess. Like, it's $68,000 at the current\n\nChannel 1: Yep.\n\nChannel 0: balance. And,\n\nChannel 1: Okay.\n\nChannel 0: like, I know that that doesn't sound like a lot of money, but it just like, obviously, my hope is is that you're using this money and we're not leaving it for your son. He gets the\n\nChannel 1: Yep.\n\nChannel 0: house. Happy\n\nChannel 1: Yes.\n\nChannel 0: days.\n\nChannel 1: Yes.\n\nChannel 0: That's\n\nChannel 1: Yeah.\n\nChannel 0: the hope, but I always plan for the oh ohs.\n\nChannel 1: Yes.\n\nChannel 0: So there's kind of, like, the this fun little strategy we can do to kind of flip some of that money into a tax free component to just it's called estate planning, really. It's just planning for\n\nChannel 1: Okay.\n\nChannel 0: the estate. And what we're gonna do is we're gonna save 2% tax, which I know doesn't sound like a lot, but sometimes we hate the government. When it comes to tax, we always do. So I can definitely, like, look at a strategy around that while I'm looking at everything else. And it's\n\nChannel 1: Okay.\n\nChannel 0: nothing that you\n\nChannel 1: It sounds\n\nChannel 0: you would\n\nChannel 1: good.\n\nChannel 0: need to do. It's literally a a form that I would send you, and I do it all internally. The money doesn't sell down. It doesn't have to be withdrawn to your bank account. It literally it all happens within a I say split second.\n\nIt'll look like a split second to you. It's just a bunch of running around for me.\n\nChannel 1: Yes.\n\nChannel 0: But, basically, the money will go, out of your account into a brand\n\nChannel 1: Yep.\n\nChannel 0: new investment account.\n\nChannel 1: Yeah.\n\nChannel 0: It'll if you're actually watching it, it it's kinda cool to watch live, but it just it literally just goes out of a super account, an investment account gets opened for a hot second, and then it boops back into a brand new a brand new super account. So it literally just goes boop boop. And what that does is it just converts it. It happens overnight. So it's not just something generally I get to watch either.\n\nBut I have burnt the midnight oil a couple of times and watched it. And it just happens from a back end perspective, so it is really cool from that kind of purview.\n\nChannel 1: Right. Yep.\n\nChannel 0: But, yeah, that's kind of something that we could look at doing. And what I'll do is I'll sort of look at the strategy and how it's gonna end up and how much tax it'll save and la la la la la la.\n\nChannel 1: Okay.\n\nChannel 0: But how does\n\nChannel 1: That\n\nChannel 0: that\n\nChannel 1: sounds\n\nChannel 0: sound?\n\nChannel 1: good. Yeah. That sounds good. So, yeah, I've got I've got a 2023 I've got two sons, a 23 year old and an almost 21 year old. So, yeah, which is what my\n\nChannel 0: Yes. You do. Sorry. You\n\nChannel 1: will\n\nChannel 0: have\n\nChannel 1: yeah.\n\nChannel 0: sons.\n\nChannel 1: That's alright. Yeah. No. That's okay. And yeah.\n\nSo is there anything as far as what you were just saying there about my sons that they need to do wise or it's really just no?\n\nChannel 0: It's it's just it's what what it is is basically I would I will deal with everything from a from a estate planning perspective. You send me\n\nChannel 1: Yep.\n\nChannel 0: your will, and I'll just reconfirm that your will does encompass your super fund as an asset. And all I'm gonna do is I'm gonna prefill out a document and send it to you for you to sign.\n\nChannel 1: Okay.\n\nChannel 0: And we'll\n\nChannel 1: Alright.\n\nChannel 0: do that once I get all of the ducks in a row and everything else. So from here, I guess, just to summarize, because\n\nChannel 1: Okay.\n\nChannel 0: I know\n\nChannel 1: Yep.\n\nChannel 0: I'm a bit chaotic this morning,\n\nChannel 1: No. I don't.\n\nChannel 0: is I will send you an email this morning that'll have\n\nChannel 1: Mhmm.\n\nChannel 0: I need these documents. Here's a budget\n\nChannel 1: Yep.\n\nChannel 0: attached.\n\nChannel 1: Yep.\n\nChannel 0: I'm going away for a week tomorrow. It's my ten year wedding anniversary.\n\nChannel 1: No. Congratulations.\n\nChannel 0: Yes. Thank you. Figured I would go and spend some time with the the man that created three children. He doesn't get much time these days.\n\nChannel 1: No.\n\nChannel 0: So so I'm going away for a week. So when I come back, if you've been able to get everything to me, including the budget, so it\n\nChannel 1: Sure.\n\nChannel 0: means that you don't have to stress about getting it done, you know, today. You\n\nChannel 1: Yeah.\n\nChannel 0: have\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: time.\n\nChannel 1: Yep.\n\nChannel 0: You get it back to me. I'll start looking at it, breaking it all down. Give me\n\nChannel 1: Yep.\n\nChannel 0: a sort of a week or two after that, and I will be able to get everything in in and prepared. And then you and I can have another conversation where I present everything to you, and then\n\nChannel 1: Okay. Beautiful.\n\nChannel 0: we will follow it and execute it. So there may be some heavy changes to the salary sacrifice arrangement to where your money's coming in, everything like that, but\n\nChannel 1: Yep.\n\nChannel 0: I will make sure that I step you through. So I have Maddie. She's my gorgeous administration,\n\nChannel 1: Yep.\n\nChannel 0: and she will literally I get a handhold through to get everything implemented, make sure that\n\nChannel 1: No\n\nChannel 0: all the\n\nChannel 1: worries.\n\nChannel 0: documents need to be done. We'll get those beneficiary forms done for you. I will prefill them and have\n\nChannel 1: Okay.\n\nChannel 0: everything flow through nicely that way.\n\nChannel 1: Beautiful. Alright. Sounds fantastic. Thanks very much.\n\nChannel 0: Mhmm. No. That's okay. So has I guess, have we touched on everything, and does everything make sense? Because I know you you wanted to sort of make sure, like, your your goals previously were to make sure that you had at least a thousand dollars a week in income, which is where\n\nChannel 1: Yep.\n\nChannel 0: that $2 of a fortnight came from.\n\nChannel 1: Yeah. Yeah. That's right. But I will relook at that.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. No. That that would be good. I just wasn't I guess, if I did need to start accessing that pension account, I just wasn't sure about it and the\n\nChannel 0: Yeah.\n\nChannel 1: tax and\n\nChannel 0: Look.\n\nChannel 1: then\n\nChannel 0: If\n\nChannel 1: also\n\nChannel 0: you if\n\nChannel 1: just\n\nChannel 0: you turn\n\nChannel 1: the\n\nChannel 0: around\n\nChannel 1: offset\n\nChannel 0: to if\n\nChannel 1: for\n\nChannel 0: you\n\nChannel 1: the\n\nChannel 0: turn around\n\nChannel 1: mortgage.\n\nChannel 0: today and say, Larissa, I need money, I can I can get you money within the next few days? If you\n\nChannel 1: Yeah.\n\nChannel 0: if you\n\nChannel 1: No.\n\nChannel 0: need\n\nChannel 1: That's\n\nChannel 0: money\n\nChannel 1: alright.\n\nChannel 0: right now, I can I can push a pension payment through? Like, I can have it done.\n\nChannel 1: That's okay. I've I've just I I did touch my redraw, which isn't much anyway. I did have to redo my mortgage, which I\n\nChannel 0: Yep.\n\nChannel 1: will chase up as well. It's a long story, but, yeah, no. I'm okay. I was just I forgot about car rego time. So, yeah, I think things have been\n\nChannel 0: Yes.\n\nChannel 1: a little bit tight, but it's fine. It's fine at the moment.\n\nChannel 0: Okay.\n\nChannel 1: And, yeah, I just wanna double check all that mortgage stuff, especially in the light of what's just happened in the news.\n\nChannel 0: Yeah. Just a couple\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: of just a little\n\nChannel 1: But\n\nChannel 0: little\n\nChannel 1: just\n\nChannel 0: increase.\n\nChannel 1: those interest payments are just killing me a bit, and I\n\nChannel 0: Yes.\n\nChannel 1: would love yeah. I think it would make more sense to kind of try and work the the super a little bit if you can. That would be great because it just is crazy that I'm paying all this interest. And, yeah, it's one of those things. Having the balance there of super mortgage is a tricky one.\n\nChannel 0: Yeah. Alright. No. Absolutely. Alright.\n\nWell, I will play the balancing game between mortgage and and the growth of the super funds and long term income needs if\n\nChannel 1: Lovely.\n\nChannel 0: you get me all those documents that you have\n\nChannel 1: Great.\n\nChannel 0: a week.\n\nChannel 1: Beautiful.\n\nChannel 0: I mean, you have\n\nChannel 1: Thank\n\nChannel 0: as long\n\nChannel 1: you.\n\nChannel 0: as you take, but\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. But but at least a week.\n\nOkay. And have\n\nChannel 0: yeah.\n\nChannel 1: a great time. Enjoy. And, yeah, a week doesn't seem long enough, but I hope it I hope it feels like it is.\n\nChannel 0: Yeah. I know. But, like, there's the there's the parental guilt because I'm I'm ditching\n\nChannel 1: Oh,\n\nChannel 0: three kids\n\nChannel 1: yes.\n\nChannel 0: with their\n\nChannel 1: Cool.\n\nChannel 0: grandma. So\n\nChannel 1: Right. Yeah. Of course. Of course. Of course.\n\nChannel 0: my 13\n\nChannel 1: Oh,\n\nChannel 0: year\n\nChannel 1: bless\n\nChannel 0: old's happy.\n\nChannel 1: grandma.\n\nChannel 0: Don't get me wrong.\n\nChannel 1: Oh, good.\n\nChannel 0: Yeah. Yeah. He he's he's he's over the moon. He loves going to grandma's house.\n\nChannel 1: No. That's good.\n\nChannel 0: But but my two I call them little ones, but they're not really my two little ones are are are less less keen. My youngest\n\nChannel 1: Yes. Right.\n\nChannel 0: is a bit of a mama's boy, so\n\nChannel 1: No.\n\nChannel 0: he's literally turned around and he's like I was like, mommy and daddy are going away. He goes, do you not love me anymore? Oh, wow. Way to shoot a low kid.\n\nChannel 1: That's big parental bills there. Yeah.\n\nChannel 0: Yeah. I was like,\n\nChannel 1: No.\n\nChannel 0: wow. Just oh, right in the gut. But no. Very much looking forward\n\nChannel 1: Oh.\n\nChannel 0: to it. I yeah. Literally, I turned around. I was like, you realize we haven't had a holiday in, like, thirteen and a half, fourteen\n\nChannel 1: Yeah.\n\nChannel 0: years or something. He was like,\n\nChannel 1: Yes.\n\nChannel 0: yeah. That makes sense. Yeah. Just\n\nChannel 1: Yeah.\n\nChannel 0: life.\n\nChannel 1: Give us a give us a week. That's that's not\n\nChannel 0: Yeah.\n\nChannel 1: a lot to ask. Yeah.\n\nChannel 0: No. Not a lot, but it's enough.\n\nChannel 1: No. Yeah. No. That's good. That's good.\n\nOh, well, that's good if it's just the two of you and no kids, and it will a week will be good.\n\nChannel 0: Yeah. Disappeared too quickly too.\n\nChannel 1: Yeah. Yeah. Alright. Thank you so much.\n\nChannel 0: No. That's\n\nChannel 1: Let me\n\nChannel 0: okay.\n\nChannel 1: see, and I'll get all those documents. Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: Appreciate\n\nChannel 0: And if you have\n\nChannel 1: it.\n\nChannel 0: any if you have any issues or or questions over the next week, just give my team a call. I'm gonna leave, like, really specific instructions on file so they'll be able to do anything,\n\nChannel 1: Okay.\n\nChannel 0: and and they'll be able to help you out, or I will give you a call once I get back.\n\nChannel 1: Okay. Beautiful. Thank you.\n\nChannel 0: No. No problem, Linda. You have\n\nChannel 1: Mhmm.\n\nChannel 0: a good one.\n\nChannel 1: You too. Bye bye.\n\nChannel 0: We'll talk\n\nChannel 1: Bye.\n\nChannel 0: soon. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":1.68,"end":2.24,"sentiment":"neutral","sentiment_score":0.20717189460992813},{"text":"Linda speaking.","start":2.24,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.12056014686822891}],"sentiment":"neutral","sentiment_score":0.16386602073907852,"channel":1,"num_words":4,"start":1.68,"end":3.1399999},{"sentences":[{"text":"Good morning, Linda.","start":3.84,"end":4.7999997,"sentiment":"positive","sentiment_score":0.348707248767217},{"text":"Larissa from Oakview Financial.","start":4.7999997,"end":6.08,"sentiment":"neutral","sentiment_score":0.24993346631526947},{"text":"How are you going?","start":6.08,"end":6.98,"sentiment":"neutral","sentiment_score":0.2453542947769165}],"sentiment":"neutral","sentiment_score":0.27520661733367224,"channel":0,"num_words":11,"start":3.84,"end":6.98},{"sentences":[{"text":"Good, 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from Oakview Financial speak with customers about their pension plans and discuss options for reducing their hours and increasing their income. They also explore other areas of income and suggest budget plans. The representatives emphasize the benefits of a flip-flash retirement plan and emphasize the importance of planning for the future. They also discuss the need for a pension account and provide information on necessary paperwork. The customer is advised to fill out necessary forms and work on the retirement plan, and is informed that it will take a week to complete the paperwork."},"intents":{"segments":[{"text":"But, yeah, there's just a bit of restructure happening at work, and I'll I'll I'll hopefully lock it in permanently, but and even potentially go to three days just that my parents need a bit more help.","start_word":303,"end_word":339,"intents":[{"intent":"Provide restructure pricing","confidence_score":6.134423e-7}]},{"text":"And also just that I did read somewhere something about once you do touch it, you'll then you can then be taxed on it all or something. I just wanted to clarify that side Oh, of it.","start_word":356,"end_word":392,"intents":[{"intent":"Clarify tax deduction clarification","confidence_score":0.00004627802}]},{"text":"Can I can I ask how like, do you get paid weekly, fortnightly, monthly? Yeah.","start_word":503,"end_word":517,"intents":[{"intent":"Coordinate pay schedule","confidence_score":0.0020599149}]},{"text":"Can I can I ask how like, do you get paid weekly, fortnightly, monthly? Yeah. Perfect. So we can we can definitely have it. I mean, not that that answer really matters, but we can have it pay we can have it pay sort of on your on or on your off cycle payment wise. So, Okay.","start_word":503,"end_word":559,"intents":[{"intent":"Clarify payment structure","confidence_score":0.10631121},{"intent":"Clarify payment structure","confidence_score":0.08284553}]},{"text":"Generally, people who get paid fortnightly are used to fortnightly pay, so changing that kind of messes with the flow of finances.","start_word":647,"end_word":668,"intents":[{"intent":"Adjust payment plan","confidence_score":0.0010080554}]},{"text":"But but we we can definitely change and pivot. Like, there's there's nothing saying that once it's in place that we can't change it. We are Yeah. 100% able to change it.","start_word":958,"end_word":989,"intents":[{"intent":"Change schedule","confidence_score":0.0069966926}]},{"text":"And the fact that you've reduced your hours down to four, can I ask, with the reduction to your hours, are you still comfortable with the pay you're getting, or you will be seeking a little bit more income?","start_word":991,"end_word":1029,"intents":[{"intent":"Confirm payment options","confidence_score":0.000022644565}]},{"text":"But also, I just wanted to also explore or discuss with you whether because I've still got a mortgage of about 300,000, Mhmm.","start_word":1115,"end_word":1137,"intents":[{"intent":"Explore mortgage options","confidence_score":0.25545827}]},{"text":"But while I'm kinda thinking about it, just so I can write it down, is I will need a current mortgage statement that Yep. has, you know, Yep. how much you have in redraw, what your interest rate is, what the term of the loan is.","start_word":1214,"end_word":1259,"intents":[{"intent":"Get current mortgage quote","confidence_score":0.000009629319}]},{"text":"how much you have in redraw, what your interest rate is, what the term of the loan is.","start_word":1242,"end_word":1259,"intents":[{"intent":"Understand interest rate term","confidence_score":0.008358197}]},{"text":"I also need, I guess, like, the last pay slip you have just so I understand what your actual pay looks like, hours worked, sales act arrangement, all of that, so Yes.","start_word":1261,"end_word":1292,"intents":[{"intent":"Get pay slip","confidence_score":0.0040544067}]},{"text":"I can work out taxable, Yes. I guess, position.","start_word":1293,"end_word":1301,"intents":[{"intent":"Work out taxable positions","confidence_score":0.022024665},{"intent":"Explore taxable positions","confidence_score":0.029788507}]},{"text":"that going to affect your compounding return on your super fund, and how is that gonna affect the interest rate and the time variance on your mortgage.","start_word":1348,"end_word":1374,"intents":[{"intent":"Compounding return","confidence_score":0.0024673955}]},{"text":"So it's, I guess, comparing if we do this scenario, what happens? If we compare this scenario, what happens? Yes.","start_word":1374,"end_word":1393,"intents":[{"intent":"Comparing scenarios","confidence_score":0.6570686}]},{"text":"So what kind of income do you actually need per fortnight for yourself net? Go with your net income.","start_word":1476,"end_word":1494,"intents":[{"intent":"Understanding income requirement","confidence_score":0.0007460487}]},{"text":"If you if you have a look at it and, like, what I can do is I can send you an email with after we get on the phone, I'll send you an email. And in that email, I'll have a request for the documents that I just said. So Okay.","start_word":1561,"end_word":1611,"intents":[{"intent":"Requesting documents","confidence_score":0.030546574}]},{"text":"And I can even attach a budget planner if you'd like, and you can kind of go through and fill out the budget planner because it has the availability for the things we don't always think about when we're planning our budget, like the haircut or the gym or Yep.","start_word":1629,"end_word":1678,"intents":[{"intent":"Providing budget planner","confidence_score":0.08547194}]},{"text":"let me just do this part first just so I could make sure that all my details are up to date that I have on you. We can go from there. So Okay.","start_word":2025,"end_word":2057,"intents":[{"intent":"Ensure details are updated","confidence_score":0.004823869}]},{"text":"so just confirming, we're still single. We're still at Chiswick Road. Yep.","start_word":2059,"end_word":2070,"intents":[{"intent":"Confirm identity","confidence_score":0.79907924}]},{"text":"Your income was 116. Is that still your income you're just now earning pro rata of that? No.","start_word":2087,"end_word":2104,"intents":[{"intent":"Clarify income","confidence_score":0.004255521}]},{"text":"Asset wise, I've got the mortgage. So the primary residence, and then I've got the Yep. car. 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Because Yes.","start_word":2413,"end_word":2442,"intents":[{"intent":"Identify beneficiaries","confidence_score":0.010720037}]},{"text":"So that would indicate to me that the best place for me to send your money from your super fund would ultimately actually be your estate. So it means that we send the money to a bank account in your in your name after you passed away because Mhmm. we pay less tax that way.","start_word":2455,"end_word":2509,"intents":[{"intent":"Explain tax deduction","confidence_score":0.011112291},{"intent":"Explain tax deductions","confidence_score":0.011908362}]},{"text":"Now there is a couple of things we could actually do in, I guess, this, like, little advice piece where I could kinda do a little bit of, like, a a flip around with your account.","start_word":2512,"end_word":2547,"intents":[{"intent":"Provide advice","confidence_score":0.019703094}]},{"text":"I know that sounds a little bit haywire, but but so salary sacrifice arrangement, that is where you take money out of your gross income, pop it into your super fund, and the super fund pays the 15% taxable rate, and you save your marginal rate. Yes.","start_word":2548,"end_word":2594,"intents":[{"intent":"Apologize for mistakes","confidence_score":0.00008274097}]},{"text":"There's another type of contribution type, which is where it's called non concessional or personal contributions.","start_word":2595,"end_word":2610,"intents":[{"intent":"Suggest non concessional contributions","confidence_score":0.00053147797}]},{"text":"There's another type of contribution type, which is where it's called non concessional or personal contributions. It's where you actually pay your your personal marginal tax rate, and you put the money Mhmm. into the super fund, and the super fund pays no tax.","start_word":2595,"end_word":2638,"intents":[{"intent":"Discuss contribution options","confidence_score":0.03219486}]},{"text":"But, yeah, that's kind of something that we could look at doing. And what I'll do is I'll sort of look at the strategy and how it's gonna end up and how much tax it'll save and la la la la la la. Okay.","start_word":3173,"end_word":3216,"intents":[{"intent":"Discuss strategy and tax savings","confidence_score":0.04660541}]},{"text":"your will, and I'll just reconfirm that your will does encompass your super fund as an asset. And all I'm gonna do is I'm gonna prefill out a document and send it to you for you to sign. Okay.","start_word":3329,"end_word":3367,"intents":[{"intent":"Confirm will and document completion","confidence_score":0.0021810965}]},{"text":"Here's a budget Yep. attached.","start_word":3424,"end_word":3428,"intents":[{"intent":"Present and execute budget","confidence_score":0.0072802533}]},{"text":"we will follow it and execute it. So there may be some heavy changes to the salary sacrifice arrangement to where your money's coming in, everything like that, but Yep.","start_word":3579,"end_word":3608,"intents":[{"intent":"Execute and execute documents","confidence_score":0.03195365}]},{"text":"So has I guess, have we touched on everything, and does everything make sense? Because I know you you wanted to sort of make sure, like, your your goals previously were to make sure that you had at least a thousand dollars a week in income, which is where Yep. that $2 of a fortnight came from. Yeah. Yeah.","start_word":3684,"end_word":3742,"intents":[{"intent":"Make sure everyone understands income","confidence_score":0.0000033291024}]},{"text":"But I will relook at that. Yeah. Yeah. No. That that would be good. I just wasn't I guess, if I did need to start accessing that pension account, I just wasn't sure about it and the Yeah.","start_word":3746,"end_word":3783,"intents":[{"intent":"Reschedule pension account","confidence_score":0.013672409}]},{"text":"right now, I can I can push a pension payment through?","start_word":3834,"end_word":3844,"intents":[{"intent":"Push pension payment","confidence_score":0.9367906}]},{"text":"I did have to redo my mortgage, which I Yep. will chase up as well.","start_word":3866,"end_word":3880,"intents":[{"intent":"Update mortgage","confidence_score":0.030402761}]},{"text":"those interest payments are just killing me a bit, and I Yes.","start_word":3956,"end_word":3967,"intents":[{"intent":"Manage interest payments","confidence_score":0.012398355}]},{"text":"Well, I will play the balancing game between mortgage and and the growth of the super funds and long term income needs if Lovely.","start_word":4031,"end_word":4054,"intents":[{"intent":"Balance mortgage and super funds","confidence_score":0.15175359}]},{"text":"you get me all those documents that you have Great.","start_word":4055,"end_word":4064,"intents":[{"intent":"Obtain documents","confidence_score":0.14345096}]},{"text":"But, like, there's the there's the parental guilt because I'm I'm ditching Oh, three kids yes. with their Cool.","start_word":4120,"end_word":4138,"intents":[{"intent":"Delete parental guilt","confidence_score":0.000020830146}]}]},"sentiments":{"segments":[{"text":"Good morning. Linda speaking.","start_word":0,"end_word":3,"sentiment":"neutral","sentiment_score":0.16279233992099762},{"text":"Good morning, Linda.","start_word":4,"end_word":6,"sentiment":"positive","sentiment_score":0.3475671708583832},{"text":"Larissa from Oakview Financial. How are you going?","start_word":7,"end_word":14,"sentiment":"neutral","sentiment_score":0.2443067878484726},{"text":"Good, Larissa.","start_word":15,"end_word":16,"sentiment":"positive","sentiment_score":0.35493406653404236},{"text":"How are you? Yeah.","start_word":17,"end_word":20,"sentiment":"neutral","sentiment_score":0.26963064074516296},{"text":"Good, darling. Can't complain.","start_word":21,"end_word":24,"sentiment":"positive","sentiment_score":0.5105166435241699},{"text":"It's a beautifully overcast ish day, so nice and Oh, is cold. it? Okay. Yes, unfortunately. Oh, it's nice and sunny here in Sydney. So, yeah, I was just thinking what a lovely day. But it's going Oh, you're to living be the other it up. way around, isn't it? The Gold Coast. What? I know. It's supposed to be the same thing. They lied. No. It's alright. Honestly, don't mind a little bit of an overcast day. Just sad there's no book, wine, and blanket. Yes. Yes. Yes. Yes. Anyway, Thank my you so darling much for calling on no.","start_word":25,"end_word":125,"sentiment":"neutral","sentiment_score":0.03609282523393631},{"text":"time.","start_word":126,"end_word":126,"sentiment":"positive","sentiment_score":0.3456907868385315},{"text":"No. You're okay. Before I do jump into it, Yep. I just need to let you know that our calls are recorded and Yep. get you to complete security for me. It's just full name, date of birth, and Sure. address. Lynn Oh, sorry. You have dot a password if you wanna use your cat's name. suki Grayson. Yes. Nope. That's Grayson. fine. Suki.","start_word":127,"end_word":190,"sentiment":"neutral","sentiment_score":0.02651354856789112},{"text":"Lovely.","start_word":191,"end_word":191,"sentiment":"positive","sentiment_score":0.3361309766769409},{"text":"Perfect. So so I don't need to do name, No. date No. of birth? No. No. Okay. Yeah. We Right. we we have a password on file to make it easier for you. Right. I'm just so in the habit of name, date of birth, and address. Yes. Yeah. I bet. Anyway, so I understand that you're wanting to look at commencing, like, regular pension payments and get everything set up. Well, I guess I just wanted to find out a bit more about it. Yeah. I'm kind of I'm I've I have cut down to four days. It's sort of on a, you know, three monthly, like, reapply basis. But, yeah, there's just a bit of restructure happening at work, and I'll I'll I'll hopefully lock it in permanently, but and even potentially go to three days just that my parents need a bit more help. But I guess when that was set up, I'm I'm not completely clear on how to access. And also just that I did read somewhere something about once you do touch it, you'll then you can then be taxed on it all or something. I just wanted to clarify that side Oh, of it. okay. No. You're okay. So because you're over 60, there's Yep. no tax. You're you're Right. good on Okay. that front. Yep. If you were prior to 60, then Yep. yes. Yes. It is taxable. Okay. So you're actually pretty, I guess, kosher on that front from a tax Okay. perspective. In terms of, I guess, the pension TTR side of things, we can definitely pivot because currently your pension account's set up for annual payments. So it's like a lump sum that comes out to you annually, but we can definitely pivot that and make it a more regular payment structure to offset the reduction to your hours. Okay. Can I can I ask how like, do you get paid weekly, fortnightly, monthly? Yeah.","start_word":192,"end_word":517,"sentiment":"neutral","sentiment_score":0.051413416565378754},{"text":"Perfect. So we can we can definitely have it.","start_word":518,"end_word":526,"sentiment":"positive","sentiment_score":0.5001363158226013},{"text":"I mean, not that that answer really matters, but we can have it pay we can have it pay sort of on your on or on your off cycle payment wise. So, Okay. basically, like, say you got got I mean, what day do Yeah. you get paid? Yeah. I get paid wins generally, Wednesdays. So next Wednesday would be my payday. So this is Alright. is it off Wednesday. This is an Yeah. off week. Yeah. So we could Yep. have it fall basically on the same Wednesday or on the same Friday or, you know, whatever. Yep. And or we could have it fall on the off Wednesday. So, basically, every week you get a pay cycle. Generally, people who get paid fortnightly are used to fortnightly pay, so changing that kind of messes with the flow of finances. Mhmm. So Yes. most of my clients generally like to stick with the cycle that they're currently getting paid on. But Mhmm. the option the option is there. I have had the the weird, I guess, curveball where clients are like, no. Actually, I'd like to be paid every week. So it's personal preference, Yeah. really. But definitely, Okay. we can structure it to be paid fortnightly, and you can kinda pick the week that it starts. Okay. And it's just a matter of, I guess, us talking about what that payment looks like because your account has to pay out at least the minimum requirement for it.","start_word":527,"end_word":775,"sentiment":"neutral","sentiment_score":0.11105947199475812},{"text":"And I guess we can sort of because you've reduced your hours, we can kind of talk a little bit more about maybe salary sacrificing money into the fund, paying much less tax, and structuring it a little bit that way as well.","start_word":776,"end_word":818,"sentiment":"positive","sentiment_score":0.34840819239616394},{"text":"So we can kind of offset your taxable income from your employer through popping all of the money in there, getting a little bit from your employer, but most of it from your pension account to Okay. drop the tax. Right.","start_word":819,"end_word":859,"sentiment":"neutral","sentiment_score":0.2147987335920334},{"text":"Okay. That that sounds good as well.","start_word":860,"end_word":866,"sentiment":"positive","sentiment_score":0.5299715995788574},{"text":"I just wanted to I've had one since this was set up, which was Yep. only sort of at the end of last year, I had one annual payment. Yep. And is that what it would normally look like? Would I is am I due for one soon? Like, I I I wasn't sure if that was just a kind of a No. The account's being set up as an annual payment. So that was based on, I guess, the conversation that you had with the adviser at the time. Right. But but we we can definitely change and pivot. Like, there's there's nothing saying that once it's in place that we can't change it. We are Yeah.","start_word":867,"end_word":984,"sentiment":"neutral","sentiment_score":0.06978943198919296},{"text":"100% able to change it.","start_word":985,"end_word":989,"sentiment":"positive","sentiment_score":0.3696683645248413},{"text":"And the fact that you've reduced your hours down to four, can I ask, with the reduction to your hours, are you still comfortable with the pay you're getting, or you will be seeking a little bit more income?","start_word":990,"end_word":1028,"sentiment":"neutral","sentiment_score":0.1124712973833084},{"text":"I am finding it a bit tougher.","start_word":1029,"end_word":1035,"sentiment":"negative","sentiment_score":-0.5408987402915955},{"text":"Yeah. A bit tight. Yep. Only because and also because I I guess there is a salary sacrifice in there too, which I hadn't had before. So I have yeah. It's a little bit more noticeable. I am trying to manage on it, but Yeah. I just wanted to know a bit more about yeah. I guess I sorry. There's one other thing, Larissa, too, that I wanted to talk about was was that the punch fund.","start_word":1036,"end_word":1112,"sentiment":"neutral","sentiment_score":-0.11164090037345886},{"text":"Thank you.","start_word":1113,"end_word":1114,"sentiment":"positive","sentiment_score":0.4031250476837158},{"text":"But also, I just wanted to also explore or discuss with you whether because I've still got a mortgage of about 300,000, Mhmm. I'm just and I've got, what do you call it, redraw accounts. I'm just wondering also whether it's possible or advisable to kind of Yeah. reduce that with an offset account. Yeah. Okay. No. I Yeah. love no. No. We can definitely explore these areas. Okay. So there's a couple of things I guess I want from you to be able to explore, and we're not gonna Okay. hang up the phone and finish the conversation. But while I'm kinda thinking about it, just so I can write it down, is I will need a current mortgage statement that Yep. has, you know, Yep. how much you have in redraw, what your interest rate is, what the term of the loan is. Yep. I also need, I guess, like, the last pay slip you have just so I understand what your actual pay looks like, hours worked, sales act arrangement, all of that, so Yes. I can work out taxable, Yes. I guess, position. That Yes. will enable me to kind of explore both of those areas because what I can actually look look at is I can look at if we draw more from your super fund to throw onto the mortgage each pay cycle, how is Mhmm. that going to affect your compounding return on your super fund, and how is that gonna affect the interest rate and the time variance on your mortgage. So it's, I guess, comparing if we do this scenario, what happens? If we compare this scenario, what happens? Yes. And it the scenario is money in super funds mortgage paid off.","start_word":1115,"end_word":1405,"sentiment":"neutral","sentiment_score":0.06879502540707101},{"text":"So Yep. that that's something I can definitely play with. Absolutely adore playing in that scope, Right.","start_word":1406,"end_word":1422,"sentiment":"positive","sentiment_score":0.6389943361282349},{"text":"being being able to see whether we can get the mortgage paid down and what that looks like. Yep.","start_word":1423,"end_word":1441,"sentiment":"neutral","sentiment_score":0.2404102236032486},{"text":"So that's gonna enable us to do that.","start_word":1442,"end_word":1449,"sentiment":"positive","sentiment_score":0.3413124978542328},{"text":"I guess the the conversation kind of from here goes to, well, the money that you earn at the moment is getting a little bit tight. So what kind of income do you actually need per fortnight for yourself net? Go with your net income. Okay. Is it in your pocket to be able to comfortably live, have a bit of discretionary spending, pay all the bills? I think I worked it out as 2,000 net, but Yeah. I think I was operating on pretty tight when I worked that out. Yeah. Yeah. So it might be a bit more than that, Okay. but I can look at that again. Yeah. If you if you have a look at it and, like, what I can do is I can send you an email with after we get on the phone, I'll send you an email. And in that email, I'll have a request for the documents that I just said. So Okay. that way, you have them written down and you know exactly Great.","start_word":1450,"end_word":1623,"sentiment":"neutral","sentiment_score":0.023066652938723564},{"text":"what I'm asking for.","start_word":1624,"end_word":1627,"sentiment":"positive","sentiment_score":0.4174618124961853},{"text":"Yep. And I can even attach a budget planner if you'd like, and you can kind of go through and fill out the budget planner because it has the availability for the things we don't always think about when we're planning our budget, like the haircut or the gym or Yep. hey. Actually, I do actually need to buy myself clothes every now and again. Yep. So it has all those kind of, I guess, little bit discretionary spending, Yep. you know, beautification type of things Sure. on that budget that'll allow you to actually kinda pop those in and actually have a more of a understanding as to what your annual income needs to be Mhmm. for you to live comfortably. Yep. Yeah. Yep. And I can map it Yeah. from there. And then if I need to cut it back to say, hey. Hey. Look, Linda, if we live this way, we're not gonna we're not gonna make it long term finance wise, then I can start having that conversation with you. But but I think, you know, based on what you're saying, it's it's it's Okay. quite reasonable $2 a fortnight. But Yeah. I'm not I'm not a big spender, but but, yeah, looking at relooking that was a bit at that tight. would be good because, Yeah. yeah, obviously, you know, having a holiday every now and then, things like that would Can be good be as nice. well. And Yeah. so I wanna live like a complete none. Yeah. No. No. We don't. We we don't No. want to at all. Well, let's do this. What I will do is let me just go and grab a few details so I can make why did I do that? I already had your file open. I just went back to the beginning. Let me Computers are never my friend, especially first thing in the morning. That's alright. I I also feel like that there's maybe I've I've got a pile of documents here, and I feel like there's some that maybe I still need to Fill out. That's that's fill out. Yes. So absolutely okay. I had a look at your account last week when when Jacob Whitlam booked you into my calendar. So I had a list of things that I wanted to go through with you anyway. Mhmm. Okay.","start_word":1628,"end_word":2022,"sentiment":"neutral","sentiment_score":0.06772527619253231},{"text":"So Great.","start_word":2023,"end_word":2024,"sentiment":"positive","sentiment_score":0.4391354024410248},{"text":"let me just do this part first just so I could make sure that all my details are up to date that I have on you. We can go from there. So Okay. so just confirming, we're still single. We're still at Chiswick Road. Yep.","start_word":2025,"end_word":2069,"sentiment":"neutral","sentiment_score":0.22583970427513125},{"text":"Perfect.","start_word":2070,"end_word":2070,"sentiment":"positive","sentiment_score":0.5648878812789917},{"text":"Still working in the same job we were, so still government Yep. job caseworker.","start_word":2071,"end_word":2084,"sentiment":"neutral","sentiment_score":0.1877814680337906},{"text":"Fantastic.","start_word":2085,"end_word":2085,"sentiment":"positive","sentiment_score":0.6209708452224731},{"text":"Yep. Your income was 116. Is that still your income you're just now earning pro rata of that? No. I think it went up, but It's I okay. don't know You'll exactly you'll what send it you'll is send now. But it is yeah. I'll your send you'll it, send yeah, your the payslip. payslips. That's okay. Asset wise, I've got the mortgage. So the primary residence, and then I've got the Yep. car. Yep.","start_word":2086,"end_word":2160,"sentiment":"neutral","sentiment_score":0.04487913101911545},{"text":"Perfect. Yep. Amazing. So that's all of that all sorted.","start_word":2161,"end_word":2170,"sentiment":"positive","sentiment_score":0.4719302952289582},{"text":"Now I'm just gonna re refresh my memory and flick back over to my other screen to my screens. So paperwork wise that you need to fill out and complete, there are beneficiary nominations that we need to get on your account. So it means that if I something can. happens to you Yep. if something happens to you, Yep. the super fund knows where to pay the the benefit to. Now Yep. according to my records, which is my favorite thing of the day, you were in the process of getting a will in place Oh, last yes. year. I did that. I did it finally. Yeah.","start_word":2171,"end_word":2278,"sentiment":"neutral","sentiment_score":0.09531839936971664},{"text":"Oh my Hallelujah.","start_word":2279,"end_word":2281,"sentiment":"positive","sentiment_score":0.3901992440223694},{"text":"gosh. Such pride I can't and believe. happiness.","start_word":2282,"end_word":2289,"sentiment":"neutral","sentiment_score":0.19030705094337463},{"text":"I know. I was very happy that I finally did the whole thing. Perfect.","start_word":2290,"end_word":2303,"sentiment":"positive","sentiment_score":0.5653481483459473},{"text":"Yes. So So so that's would you done. would you like to because there's obviously, your lawyer holds your will. Yes. Generally, it can be actually really convenient for us to hold a copy of your will as well. Sure. While there's nothing we can do with it, it means Yes. that if we ever get like, if anything happens to you and someone reaches out to us, we've already got a copy on file. So we have, I guess, a little bit of a leg up as to who we can talk to, and we have knowledge of where you've made your decisions on what to go. Yes. And it means that when it comes down to you nominating the beneficiaries, I could be a little bit more pointed as to where we're actually putting them. Because Yes. realistically speaking, you have a son who's in their early twenties. Yes.","start_word":2304,"end_word":2454,"sentiment":"neutral","sentiment_score":0.1172573525483245},{"text":"So that would indicate to me that the best place for me to send your money from your super fund would ultimately actually be your estate.","start_word":2455,"end_word":2480,"sentiment":"positive","sentiment_score":0.38854342699050903},{"text":"So it means that we send the money to a bank account in your in your name after you passed away because Mhmm.","start_word":2481,"end_word":2503,"sentiment":"neutral","sentiment_score":0.33304286003112793},{"text":"we pay less tax that way.","start_word":2504,"end_word":2509,"sentiment":"positive","sentiment_score":0.3436483144760132},{"text":"Right. Okay. Now there is a couple of things we could actually do in, I guess, this, like, little advice piece where I could kinda do a little bit of, like, a a flip around with your account. I know that sounds a little bit haywire, but but so salary sacrifice arrangement, that is where you take money out of your gross income, pop it into your super fund, and the super fund pays the 15% taxable rate, and you save your marginal rate. Yes. There's another type of contribution type, which is where it's called non concessional or personal contributions. It's where you actually pay your your personal marginal tax rate, and you put the money Mhmm. into the super fund, and the super fund pays no tax. So what that means is the super fund holds that money tax free.","start_word":2510,"end_word":2651,"sentiment":"neutral","sentiment_score":0.22691355645656583},{"text":"Now when we become 60, there's this really fun thing that we get to be able to do, and that's where we can actually take all of our money out of the super and pop it back into the super fund and convert the money from a taxable portion into a tax free. And now the benefits of doing that is because when we because when we pass away, if we're nominating our funds to go to someone who is not a tax dependent for which your 23 year old wouldn't Mhmm.","start_word":2652,"end_word":2743,"sentiment":"positive","sentiment_score":0.4286916851997375},{"text":"be, they actually pay 17% tax on the taxable component of the fund. Fine. Now your super fund is, like, all taxable, which means that 17% on some money. I keep pacing while I'm walking, so I'm not really looking. That's I'm right.","start_word":2744,"end_word":2786,"sentiment":"neutral","sentiment_score":0.005637109972709833},{"text":"terrible at doing that.","start_word":2787,"end_word":2790,"sentiment":"negative","sentiment_score":-0.5771655440330505},{"text":"So it it just means that there's quite a bit of tax that's kind of payable come that time, I guess. Like, it's $68,000 at the current Yep. balance. And, Okay. like, I know that that doesn't sound like a lot of money, but it just like, obviously, my hope is is that you're using this money and we're not leaving it for your son.","start_word":2791,"end_word":2855,"sentiment":"neutral","sentiment_score":0.08370718359947205},{"text":"He gets the Yep. house. Happy Yes. days.","start_word":2856,"end_word":2863,"sentiment":"positive","sentiment_score":0.48294323682785034},{"text":"Yes. That's Yeah.","start_word":2864,"end_word":2866,"sentiment":"neutral","sentiment_score":0.2862490117549896},{"text":"the hope, but I always plan for the oh ohs. Yes. So there's kind of, like, the this fun little strategy we can do to kind of flip some of that money into a tax free component to just it's called estate planning, really.","start_word":2867,"end_word":2910,"sentiment":"positive","sentiment_score":0.4501345753669739},{"text":"It's just planning for Okay.","start_word":2911,"end_word":2915,"sentiment":"neutral","sentiment_score":0.29169905185699463},{"text":"the estate.","start_word":2916,"end_word":2917,"sentiment":"positive","sentiment_score":0.35101640224456787},{"text":"And what we're gonna do is we're gonna save 2% tax, which I know doesn't sound like a lot, but sometimes we hate the government. When it comes to tax, we always do. So I can definitely, like, look at a strategy around that while I'm looking at everything else. And it's Okay. nothing that you It sounds you would good. need to do. It's literally a a form that I would send you, and I do it all internally. The money doesn't sell down. It doesn't have to be withdrawn to your bank account. It literally it all happens within a I say split second. It'll look like a split second to you. It's just a bunch of running around for me. Yes.","start_word":2918,"end_word":3041,"sentiment":"neutral","sentiment_score":0.20118974149227145},{"text":"But, basically, the money will go, out of your account into a brand Yep. new investment account.","start_word":3042,"end_word":3058,"sentiment":"positive","sentiment_score":0.45744508504867554},{"text":"Yeah.","start_word":3059,"end_word":3059,"sentiment":"neutral","sentiment_score":0.2153199017047882},{"text":"It'll if you're actually watching it, it it's kinda cool to watch live, but it just it literally just goes out of a super account, an investment account gets opened for a hot second, and then it boops back into a brand new a brand new super account. So it literally just goes boop boop.","start_word":3060,"end_word":3114,"sentiment":"positive","sentiment_score":0.4337542653083801},{"text":"And what that does is it just converts it.","start_word":3115,"end_word":3123,"sentiment":"neutral","sentiment_score":0.32683831453323364},{"text":"It happens overnight.","start_word":3124,"end_word":3126,"sentiment":"positive","sentiment_score":0.33713775873184204},{"text":"So it's not just something generally I get to watch either. But I have burnt the midnight oil a couple of times and watched it.","start_word":3127,"end_word":3151,"sentiment":"neutral","sentiment_score":0.26568567752838135},{"text":"And it just happens from a back end perspective, so it is really cool from that kind of purview.","start_word":3152,"end_word":3170,"sentiment":"positive","sentiment_score":0.49962037801742554},{"text":"Right. Yep. But, yeah, that's kind of something that we could look at doing. And what I'll do is I'll sort of look at the strategy and how it's gonna end up and how much tax it'll save and la la la la la la. Okay. But how does That that sounds sound?","start_word":3171,"end_word":3223,"sentiment":"neutral","sentiment_score":0.23695939779281616},{"text":"good. Yeah. That sounds good.","start_word":3224,"end_word":3228,"sentiment":"positive","sentiment_score":0.5115816593170166},{"text":"So, yeah, I've got I've got a 2023 I've got two sons, a 23 year old and an almost 21 year old. So, yeah, which is what my Yes. You do. Sorry. You will have yeah. sons. That's alright. Yeah. No. That's okay. And yeah. So is there anything as far as what you were just saying there about my sons that they need to do wise or it's really just no? It's it's just it's what what it is is basically I would I will deal with everything from a from a estate planning perspective. You send me Yep. your will, and I'll just reconfirm that your will does encompass your super fund as an asset. And all I'm gonna do is I'm gonna prefill out a document and send it to you for you to sign. Okay. And we'll Alright. do that once I get all of the ducks in a row and everything else. So from here, I guess, just to summarize, because Okay. I know Yep. I'm a bit chaotic this morning, No. I don't. is I will send you an email this morning that'll have Mhmm. I need these documents. Here's a budget Yep. attached. Yep. I'm going away for a week tomorrow. It's my ten year wedding anniversary. No. Congratulations. Yes.","start_word":3229,"end_word":3445,"sentiment":"neutral","sentiment_score":0.06711655427714647},{"text":"Thank you.","start_word":3446,"end_word":3447,"sentiment":"positive","sentiment_score":0.4914700388908386},{"text":"Figured I would go and spend some time with the the man that created three children. He doesn't get much time these days. No. So so I'm going away for a week. So when I come back, if you've been able to get everything to me, including the budget, so it Sure. means that you don't have to stress about getting it done, you know, today. You Yeah. have Yeah. Yeah. time. Yep. You get it back to me. I'll start looking at it, breaking it all down. Give me Yep. a sort of a week or two after that, and I will be able to get everything in in and prepared. And then you and I can have another conversation where I present everything to you, and then Okay. Beautiful. we will follow it and execute it. So there may be some heavy changes to the salary sacrifice arrangement to where your money's coming in, everything like that, but Yep. I will make sure that I step you through. So I have Maddie. She's my gorgeous administration, Yep. and she will literally I get a handhold through to get everything implemented, make sure that No all the worries. documents need to be done. We'll get those beneficiary forms done for you. I will prefill them and have Okay. everything flow through nicely that way.","start_word":3448,"end_word":3672,"sentiment":"neutral","sentiment_score":0.12771062552928925},{"text":"Beautiful. Alright. Sounds fantastic. Thanks very much.","start_word":3673,"end_word":3679,"sentiment":"positive","sentiment_score":0.5658859610557556},{"text":"Mhmm. No. That's okay. So has I guess, have we touched on everything, and does everything make sense? Because I know you you wanted to sort of make sure, like, your your goals previously were to make sure that you had at least a thousand dollars a week in income, which is where Yep. that $2 of a fortnight came from. Yeah. Yeah. That's right. But I will relook at that. Yeah. Yeah. No. That that would be good. I just wasn't I guess, if I did need to start accessing that pension account, I just wasn't sure about it and the Yeah. tax and Look. then If also you if just you turn the around offset to if for you the turn around mortgage. today and say, Larissa, I need money, I can I can get you money within the next few days? If you Yeah. if you No. need That's money alright. right now, I can I can push a pension payment through? Like, I can have it done. That's okay. I've I've just I I did touch my redraw, which isn't much anyway. I did have to redo my mortgage, which I Yep. will chase up as well. It's a long story, but, yeah, no. I'm okay. I was just I forgot about car rego time. So, yeah, I think things have been Yes. a little bit tight, but it's fine. It's fine at the moment. Okay. And, yeah, I just wanna double check all that mortgage stuff, especially in the light of what's just happened in the news. Yeah. Just a couple Yeah. Yeah. of just a little But little just increase. those interest payments are just killing me a bit, and I Yes. would love yeah. I think it would make more sense to kind of try and work the the super a little bit if you can. That would be great because it just is crazy that I'm paying all this interest. And, yeah, it's one of those things. Having the balance there of super mortgage is a tricky one. Yeah. Alright. No. Absolutely. Alright. Well, I will play the balancing game between mortgage and and the growth of the super funds and long term income needs if Lovely. you get me all those documents that you have Great. a week.","start_word":3680,"end_word":4066,"sentiment":"neutral","sentiment_score":0.0010935481161225677},{"text":"Beautiful.","start_word":4067,"end_word":4067,"sentiment":"positive","sentiment_score":0.4255906641483307},{"text":"I mean, you have Thank as long you. as you take, but Yeah. Yeah. Yeah. Yeah. But but at least a week. Okay.","start_word":4068,"end_word":4090,"sentiment":"neutral","sentiment_score":0.1116659864783287},{"text":"And have yeah. a great time. Enjoy.","start_word":4091,"end_word":4097,"sentiment":"positive","sentiment_score":0.6390308737754822},{"text":"And, yeah, a week doesn't seem long enough, but I hope it I hope it feels like it is. Yeah. I know. But, like, there's the there's the parental guilt because I'm I'm ditching Oh, three kids yes. with their Cool. grandma. So Right. Yeah. Of course. Of course. Of course. my 13 Oh, year bless old's happy. grandma. Don't get me wrong. Oh, good. Yeah. Yeah. He he's he's he's over the moon. He loves going to grandma's house. No. That's good. But but my two I call them little ones, but they're not really my two little ones are are are less less keen. My youngest Yes. Right. is a bit of a mama's boy, so No. he's literally turned around and he's like I was like, mommy and daddy are going away.","start_word":4098,"end_word":4232,"sentiment":"neutral","sentiment_score":-0.013189038261771202},{"text":"He goes, do you not love me anymore?","start_word":4233,"end_word":4240,"sentiment":"negative","sentiment_score":-0.3477729856967926},{"text":"Oh, wow.","start_word":4241,"end_word":4242,"sentiment":"neutral","sentiment_score":-0.247464656829834},{"text":"Way to shoot a low kid.","start_word":4243,"end_word":4248,"sentiment":"negative","sentiment_score":-0.3802444040775299},{"text":"That's big parental bills there. Yeah. Yeah. I was like, No. wow. Just oh, right in the gut. But no. Very much looking forward Oh. to it. I yeah. Literally, I turned around. I was like, you realize we haven't had a holiday in, like, thirteen and a half, fourteen Yeah. years or something. He was like, Yes. yeah. That makes sense. Yeah. Just Yeah. life. Give us a give us a week. That's that's not Yeah. a lot to ask. Yeah. No. Not a lot, but it's enough. No. Yeah. No. That's good. That's good. Oh, well, that's good if it's just the two of you and no kids, and it will a week will be good. Yeah.","start_word":4249,"end_word":4367,"sentiment":"neutral","sentiment_score":-0.01942271552979946},{"text":"Disappeared too quickly too.","start_word":4368,"end_word":4371,"sentiment":"negative","sentiment_score":-0.36343321204185486},{"text":"Yeah. Yeah. Alright. Thank you so much. No. That's Let me okay. see, and I'll get all those documents.","start_word":4372,"end_word":4390,"sentiment":"neutral","sentiment_score":0.11692322869049876},{"text":"Yeah. Perfect. Appreciate And if you have it.","start_word":4391,"end_word":4398,"sentiment":"positive","sentiment_score":0.5572988390922546},{"text":"any if you have any issues or or questions over the next week, just give my team a call. I'm gonna leave, like, really specific instructions on file so they'll be able to do anything, Okay. and and they'll be able to help you out, or I will give you a call once I get back.","start_word":4399,"end_word":4454,"sentiment":"neutral","sentiment_score":0.21247152984142303},{"text":"Okay. Beautiful. Thank you.","start_word":4455,"end_word":4458,"sentiment":"positive","sentiment_score":0.6649169921875},{"text":"No.","start_word":4459,"end_word":4459,"sentiment":"neutral","sentiment_score":0.2753797173500061},{"text":"No problem, Linda. You have Mhmm. a good one. You too.","start_word":4460,"end_word":4470,"sentiment":"positive","sentiment_score":0.4630184173583984},{"text":"Bye bye. We'll talk Bye. soon. Bye. Bye.","start_word":4471,"end_word":4478,"sentiment":"neutral","sentiment_score":0.1407988667488098}],"average":{"sentiment":"neutral","sentiment_score":0.1109925188060338}}}}