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Yeah. Oh, oh, good. Before we jump into the call, Lisa, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Beautiful. And we do do security whenever we're discussing your personal information. So I do need to confirm with you just your full name, your date of birth, and address I should have on file for you. I do. Thank you so much for that. Lisa, this is just a bit of a two week catch up. So over the last two weeks, we've gone back and done all the research we needed to be able to provide the advice for you. There was just one little thing that I wanted to look at. So just with your employer contribution, so because your income was significantly higher over the past year or so and it's recently just dropping down to that 187,000, it does unfortunately limit the amount of contributions that we're able to utilize to try and help you meet your long term financial goals there. What I was wanting to find out was, are you able to if I send you an email, just jump into your myGov account. I can send you the directions on how to get your catch up contributions information. Would that be possible? It's amazing how often we use that now. Understandable. Yep. Yep. Yep. Yeah. That's okay. So go into super from there. Yep. And then you'll have another sort of drop down box there, and it should give you an option for catch up concessional contributions. I'm just logging in to mine as well because I always it always changes on us. Love how this Yeah. So if I go in so when you got the drop down box there, what are the options it's giving you? That's okay. Yep. That's yep. That's the one. Perfect. Yep. No. That's okay. You should you you've got Carrie Ford? Yep. Have it if you go up into the Carrie Ford contributions. Yeah. Beautiful. Yes. Now it should give you the total. So it'll say at the very top there that you're eligible due to your current super balance as of the June 1, and then it will give you your total catch up contributions there. Is that what you're looking at? Okay. So it's not gonna let us because it's counting the balance in the defined benefit as well. That's interesting. Yeah. It does, unfortunately, mean it's really interesting. I don't know why it's doing that because, realistically, the balance in your deferred benefit is just an estimate of balance. It's not actually, you know, the total balance. But because they've obviously reported that, they're not gonna allow us to use any catch up or past contributions from like, that your employer hasn't utilized. So it does mean that we are limited, but that's okay. I will just look at what we have available there. Are you able to when you sort of look below that, sir, I'm just having a look at mine as well as I go through this because it my job's always fun to deal with. At the underneath that, you've got the financial year 2526. If you go down below yep. Yeah. So underneath that, it should tell you the description for your total contributions that you have available. Can you see that for this financial year at all? Yep. Okay. Yep. Yeah. Yeah. We're just looking to see what the unused is for this financial year. Underneath that, does it tell you have all the in it should say the first financial year, and it should say concessional contributions cap of 30,000, and then it should tell you how many concessional contributions you've got underneath that. Can you see that box if you scroll down? Yeah. Seven. Seven five 100. Yeah. That's the total. It's essentially allowing that we could use if we if we were able to, but because your super balance is a bit high, it's not not letting us do so. That is no. That's okay. Letting us get anything further, unfortunately. No. That's okay. It won't let us use it anyway. No. That's okay. That's absolutely fine. I wanted to double check that because, obviously, with your income, it is quite high. So your contributions are fairly high as well. So it does, unfortunately, give us a bit of a limit as to what we can do. However, that is absolutely okay. You can leave it with me, and I can absolutely work on it for you. Just with your income, you noted the last time we spoke, you were on 205,000, but that's dropped down. So you should be earning about a $187,008.76 now. Is that kind of what you're estimating your income should be? Yeah. Yep. Perfect. $3.05 2. I've been mindful of what's that's okay. That's absolutely fine. Are you at or a that's okay. Are you at or able to take a screenshot or email me a copy of that payslip just as a reference? Yeah. That's okay. Are you I think you were emailing everything through to Maddie or Jordan last time. And you're welcome to use the same email. Yeah. Because they saved everything down for me. That's absolutely fine. I just wanna make sure that we're utilizing all avenues we absolutely can. And I'm, yeah, sorry that they've added that deferred benefit in there for you as well. It does, unfortunately, provide limits, but it's not the end of the world. We can absolutely work with that, and we can, you know, see what else we can do. The only other thing is when we did discuss the insurance side of things, I've gone through and had a really good look at what we can do. I've got some great options there. The only type of insurance cover we didn't sort of touch base on was insurances that are held outside of super. So there is one other type of cover which is called trauma. Having a look at everything, you don't have any option for trauma in any of the other covers that you do hold at the moment. Trauma is normally paid out of your back pocket and tends to provide, like, a lump sum tax free benefit in the event that you stay diagnosed with cancer, traumatic conditions like Parkinson's or neurological conditions. Did you wanna look at any of those types of insurance that can be held outside of Super, or you're happy just with the loss of TBD and the the income protection policy that you do have at the moment? Yep. That's okay. Beautiful. Lovely. Well, I've done all the research on the income protection policy with your employer. That is a really great policy too. I'm really excited to go through that with you, and I was able to do some really great research there for you on your deferred benefit product as well. So I've got all that ready to go. All I need to do now is go go go back and just reevaluate the contribution side of it, make sure we're working as hard as you know, everything's working as hard as it can towards your goals there. But are you available next week to have your advice document presented to you maybe next Monday about 05:00? Nope. That's okay. Yeah. I'm so sorry to hear that. Yeah. Yeah. Oh, forward. That's okay. That's okay. That's okay. You normally are preferably available sort of after that 04:00 mark. Is that right? Yep. That's okay. It looks like the rest of the week is a bit tight around that time. It's the afternoons are quite popular, but the following Monday, March 9, if you're available, I do have 4PM Queensland time, which for yourself yeah. 04:00. You're in Emu Park. So it'll be 04:00 then or even 04:30 if you're available. Would that suit? Yeah. Oh, no. That's okay. Absolutely. That that's okay. That week is completely free, so I could even do the eleventh. I could do at four, four thirty, or 05:00. What time would you prefer on Wednesday? Yep. Perfect. I'll pop it in there. I'll have the text message reminder there for you as well, and I'll get the girls to email up the just a confirmation for your an advice presentation, and I'll get back into finishing that research for you and have the advice document ready to go. Okay? Wonderful. Yep. K. That'd be amazing. Thank you so much for that, Lisa. Do you have any questions for me at the moment? Or No. Oh, my pleasure. Looking forward to going through this with you, and I hope you have a good day. I hope everything goes okay with your mom as well. Mhmm. Thanks, Lisa. See you later. 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Lisa. This is Dana from Okie Financial. How are you this afternoon? I'm very well. Thank you.\n\nI had you booked in for a really quick catch up this afternoon. Is now still a good time for you? Yeah. Oh, oh, good. Before we jump into the call, Lisa, I do need to let you know we do record our calls for quality and training purposes.\n\nAre you happy for me to proceed with that? Beautiful. And we do do security whenever we're discussing your personal information. So I do need to confirm with you just your full name, your date of birth, and address I should have on file for you. I do.\n\nThank you so much for that. Lisa, this is just a bit of a two week catch up. So over the last two weeks, we've gone back and done all the research we needed to be able to provide the advice for you. There was just one little thing that I wanted to look at. So just with your employer contribution, so because your income was significantly higher over the past year or so and it's recently just dropping down to that 187,000, it does unfortunately limit the amount of contributions that we're able to utilize to try and help you meet your long term financial goals there.\n\nWhat I was wanting to find out was, are you able to if I send you an email, just jump into your myGov account. I can send you the directions on how to get your catch up contributions information. Would that be possible? It's amazing how often we use that now. Understandable.\n\nYep. Yep. Yep. Yeah. That's okay.\n\nSo go into super from there. Yep. And then you'll have another sort of drop down box there, and it should give you an option for catch up concessional contributions. I'm just logging in to mine as well because I always it always changes on us. Love how this Yeah.\n\nSo if I go in so when you got the drop down box there, what are the options it's giving you? That's okay. Yep. That's yep. That's the one.\n\nPerfect. Yep. No. That's okay. You should you you've got Carrie Ford?\n\nYep. Have it if you go up into the Carrie Ford contributions. Yeah. Beautiful. Yes.\n\nNow it should give you the total. So it'll say at the very top there that you're eligible due to your current super balance as of the June 1, and then it will give you your total catch up contributions there. Is that what you're looking at? Okay. So it's not gonna let us because it's counting the balance in the defined benefit as well.\n\nThat's interesting. Yeah. It does, unfortunately, mean it's really interesting. I don't know why it's doing that because, realistically, the balance in your deferred benefit is just an estimate of balance. It's not actually, you know, the total balance.\n\nBut because they've obviously reported that, they're not gonna allow us to use any catch up or past contributions from like, that your employer hasn't utilized. So it does mean that we are limited, but that's okay. I will just look at what we have available there. Are you able to when you sort of look below that, sir, I'm just having a look at mine as well as I go through this because it my job's always fun to deal with. At the underneath that, you've got the financial year 2526.\n\nIf you go down below yep. Yeah. So underneath that, it should tell you the description for your total contributions that you have available. Can you see that for this financial year at all? Yep.\n\nOkay. Yep. Yeah. Yeah. We're just looking to see what the unused is for this financial year.\n\nUnderneath that, does it tell you have all the in it should say the first financial year, and it should say concessional contributions cap of 30,000, and then it should tell you how many concessional contributions you've got underneath that. Can you see that box if you scroll down? Yeah. Seven. Seven five 100.\n\nYeah. That's the total. It's essentially allowing that we could use if we if we were able to, but because your super balance is a bit high, it's not not letting us do so. That is no. That's okay.\n\nLetting us get anything further, unfortunately. No. That's okay. It won't let us use it anyway. No.\n\nThat's okay. That's absolutely fine. I wanted to double check that because, obviously, with your income, it is quite high. So your contributions are fairly high as well. So it does, unfortunately, give us a bit of a limit as to what we can do.\n\nHowever, that is absolutely okay. You can leave it with me, and I can absolutely work on it for you. Just with your income, you noted the last time we spoke, you were on 205,000, but that's dropped down. So you should be earning about a $187,008.76 now. Is that kind of what you're estimating your income should be?\n\nYeah. Yep. Perfect. $3.05 2. I've been mindful of what's that's okay.\n\nThat's absolutely fine. Are you at or a that's okay. Are you at or able to take a screenshot or email me a copy of that payslip just as a reference? Yeah. That's okay.\n\nAre you I think you were emailing everything through to Maddie or Jordan last time. And you're welcome to use the same email. Yeah. Because they saved everything down for me. That's absolutely fine.\n\nI just wanna make sure that we're utilizing all avenues we absolutely can. And I'm, yeah, sorry that they've added that deferred benefit in there for you as well. It does, unfortunately, provide limits, but it's not the end of the world. We can absolutely work with that, and we can, you know, see what else we can do. The only other thing is when we did discuss the insurance side of things, I've gone through and had a really good look at what we can do.\n\nI've got some great options there. The only type of insurance cover we didn't sort of touch base on was insurances that are held outside of super. So there is one other type of cover which is called trauma. Having a look at everything, you don't have any option for trauma in any of the other covers that you do hold at the moment. Trauma is normally paid out of your back pocket and tends to provide, like, a lump sum tax free benefit in the event that you stay diagnosed with cancer, traumatic conditions like Parkinson's or neurological conditions.\n\nDid you wanna look at any of those types of insurance that can be held outside of Super, or you're happy just with the loss of TBD and the the income protection policy that you do have at the moment? Yep. That's okay. Beautiful. Lovely.\n\nWell, I've done all the research on the income protection policy with your employer. That is a really great policy too. I'm really excited to go through that with you, and I was able to do some really great research there for you on your deferred benefit product as well. So I've got all that ready to go. All I need to do now is go go go back and just reevaluate the contribution side of it, make sure we're working as hard as you know, everything's working as hard as it can towards your goals there.\n\nBut are you available next week to have your advice document presented to you maybe next Monday about 05:00? Nope. That's okay. Yeah. I'm so sorry to hear that.\n\nYeah. Yeah. Oh, forward. That's okay. That's okay.\n\nThat's okay. You normally are preferably available sort of after that 04:00 mark. Is that right? Yep. That's okay.\n\nIt looks like the rest of the week is a bit tight around that time. It's the afternoons are quite popular, but the following Monday, March 9, if you're available, I do have 4PM Queensland time, which for yourself yeah. 04:00. You're in Emu Park. So it'll be 04:00 then or even 04:30 if you're available.\n\nWould that suit? Yeah. Oh, no. That's okay. Absolutely.\n\nThat that's okay. That week is completely free, so I could even do the eleventh. I could do at four, four thirty, or 05:00. What time would you prefer on Wednesday? Yep.\n\nPerfect. I'll pop it in there. I'll have the text message reminder there for you as well, and I'll get the girls to email up the just a confirmation for your an advice presentation, and I'll get back into finishing that research for you and have the advice document ready to go. Okay? Wonderful.\n\nYep. K. That'd be amazing. Thank you so much for that, Lisa. Do you have any questions for me at the moment?\n\nOr No. Oh, my pleasure. Looking forward to going through this with you, and I hope you have a good day. I hope everything goes okay with your mom as well. Mhmm.\n\nThanks, Lisa. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Lisa.","start":2.6399999,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.09930837154388428},{"text":"This is Dana from Okie Financial.","start":3.1999998,"end":4.74,"sentiment":"neutral","sentiment_score":0.14645900577306747},{"text":"How are you this afternoon?","start":4.88,"end":5.94,"sentiment":"neutral","sentiment_score":0.20187390446662903},{"text":"I'm very well.","start":7.8399997,"end":8.8,"sentiment":"positive","sentiment_score":0.549340824286143},{"text":"Thank you.","start":8.8,"end":9.2,"sentiment":"positive","sentiment_score":0.7006775736808777}],"sentiment":"neutral","sentiment_score":0.2853398844599724,"num_words":18,"start":2.6399999,"end":9.2},{"sentences":[{"text":"I had you booked in for a really quick catch up this afternoon.","start":9.2,"end":11.599999,"sentiment":"positive","sentiment_score":0.425428936114678},{"text":"Is now still a good time for you?","start":11.599999,"end":13.38,"sentiment":"neutral","sentiment_score":0.33268405869603157},{"text":"Yeah.","start":14.845,"end":15.165,"sentiment":"neutral","sentiment_score":0.026590783149003983},{"text":"Oh, oh, good.","start":15.165,"end":16.625,"sentiment":"neutral","sentiment_score":0.2052312195301056},{"text":"Before we jump into the call, Lisa, I do need to let you know we do record our calls for quality and training purposes.","start":16.765,"end":21.485,"sentiment":"neutral","sentiment_score":0.06359338636199634}],"sentiment":"neutral","sentiment_score":0.21144029292829183,"num_words":49,"start":9.2,"end":21.485},{"sentences":[{"text":"Are you happy for me to proceed with that?","start":21.485,"end":23.425,"sentiment":"neutral","sentiment_score":0.10545816355281407},{"text":"Beautiful.","start":24.925,"end":25.325,"sentiment":"positive","sentiment_score":0.5079091787338257},{"text":"And we do do security whenever we're discussing your personal information.","start":25.325,"end":28.445,"sentiment":"neutral","sentiment_score":0.21345107528296384},{"text":"So I do need to confirm with you just your full name, your date of birth, and address I should have on file for you.","start":28.445,"end":33.18,"sentiment":"neutral","sentiment_score":0.14078917384147643},{"text":"I do.","start":39.0,"end":39.559998,"sentiment":"neutral","sentiment_score":0.1787862554192543}],"sentiment":"neutral","sentiment_score":0.16004784032702446,"num_words":48,"start":21.485,"end":39.559998},{"sentences":[{"text":"Thank you so much for that.","start":39.559998,"end":41.025,"sentiment":"positive","sentiment_score":0.49060871700445813},{"text":"Lisa, this is just a bit of a two week catch up.","start":41.745003,"end":43.825,"sentiment":"neutral","sentiment_score":0.1157368744413058},{"text":"So over the last two weeks, we've gone back and done all the research we needed to be able to provide the advice for you.","start":43.825,"end":49.445,"sentiment":"neutral","sentiment_score":0.07917105779051781},{"text":"There was just one little thing that I wanted to look at.","start":49.585,"end":51.985,"sentiment":"neutral","sentiment_score":-0.030298209593941767},{"text":"So just with your employer contribution, so because your income was significantly higher over the past year or so and it's recently just dropping down to that 187,000, it does unfortunately limit the amount of contributions that we're able to utilize to try and help you meet your long term financial goals there.","start":51.985,"end":69.575,"sentiment":"neutral","sentiment_score":-0.056426534394048294}],"sentiment":"neutral","sentiment_score":0.027385059278458357,"num_words":108,"start":39.559998,"end":69.575},{"sentences":[{"text":"What I was wanting to find out was, are you able to if I send you an email, just jump into your myGov account.","start":69.715,"end":75.954994,"sentiment":"neutral","sentiment_score":0.017126967975248892},{"text":"I can send you the directions on how to get your catch up contributions information.","start":75.954994,"end":80.115,"sentiment":"neutral","sentiment_score":0.043425174057483674},{"text":"Would that be possible?","start":80.115,"end":81.174995,"sentiment":"neutral","sentiment_score":0.03110297373495996},{"text":"It's amazing how often we use that now.","start":89.48,"end":91.9,"sentiment":"neutral","sentiment_score":0.09521885495632887},{"text":"Understandable.","start":98.295006,"end":98.795006,"sentiment":"neutral","sentiment_score":0.05152604728937149}],"sentiment":"neutral","sentiment_score":0.03846372354130905,"num_words":52,"start":69.715,"end":98.795006},{"sentences":[{"text":"Yep.","start":102.615005,"end":103.015,"sentiment":"neutral","sentiment_score":0.0034550242125988007},{"text":"Yep.","start":103.015,"end":103.515,"sentiment":"neutral","sentiment_score":-0.0015329954912886024},{"text":"Yep.","start":103.575005,"end":104.075005,"sentiment":"neutral","sentiment_score":-0.006174119189381599},{"text":"Yeah.","start":111.11,"end":111.43,"sentiment":"neutral","sentiment_score":0.04294057935476303},{"text":"That's okay.","start":111.43,"end":112.33,"sentiment":"neutral","sentiment_score":0.062098585069179535}],"sentiment":"neutral","sentiment_score":0.02714760983750845,"num_words":6,"start":102.615005,"end":112.33},{"sentences":[{"text":"So go into super from there.","start":117.83,"end":119.350006,"sentiment":"neutral","sentiment_score":0.05325640613834063},{"text":"Yep.","start":119.350006,"end":119.850006,"sentiment":"neutral","sentiment_score":0.14715144038200378},{"text":"And then you'll have another sort of drop down box there, and it should give you an option for catch up concessional contributions.","start":122.055,"end":129.355,"sentiment":"neutral","sentiment_score":0.1083963738511438},{"text":"I'm just logging in to mine as well because I always it always changes on us.","start":144.485,"end":148.325,"sentiment":"neutral","sentiment_score":0.030207278730813414},{"text":"Love how this Yeah.","start":148.325,"end":150.005,"sentiment":"positive","sentiment_score":0.4181356020271778}],"sentiment":"neutral","sentiment_score":0.10231330687180161,"num_words":50,"start":117.83,"end":150.005},{"sentences":[{"text":"So if I go in so when you got the drop down box there, what are the options it's giving you?","start":150.005,"end":155.065,"sentiment":"neutral","sentiment_score":0.08444687316105479},{"text":"That's okay.","start":160.87001,"end":161.53,"sentiment":"neutral","sentiment_score":0.007652591913938522},{"text":"Yep.","start":162.15001,"end":162.65001,"sentiment":"neutral","sentiment_score":0.013426094315946102},{"text":"That's yep.","start":163.35,"end":164.79001,"sentiment":"neutral","sentiment_score":-0.0022612045650021173},{"text":"That's the one.","start":164.79001,"end":165.43001,"sentiment":"neutral","sentiment_score":-0.007492853018144767}],"sentiment":"neutral","sentiment_score":0.06121084987384604,"num_words":29,"start":150.005,"end":165.43001},{"sentences":[{"text":"Perfect.","start":165.43001,"end":165.93001,"sentiment":"neutral","sentiment_score":0.192247211933136},{"text":"Yep.","start":166.31,"end":166.81,"sentiment":"neutral","sentiment_score":0.06335567682981491},{"text":"No.","start":168.87001,"end":169.03,"sentiment":"neutral","sentiment_score":-0.02438743971288204},{"text":"That's okay.","start":169.03,"end":169.85,"sentiment":"neutral","sentiment_score":0.007881174329668285},{"text":"You should you you've got Carrie Ford?","start":170.395,"end":172.495,"sentiment":"neutral","sentiment_score":0.015477237956864493}],"sentiment":"neutral","sentiment_score":0.029609871950621407,"num_words":12,"start":165.43001,"end":172.495},{"sentences":[{"text":"Yep.","start":175.115,"end":175.615,"sentiment":"neutral","sentiment_score":0.01156341563910246},{"text":"Have it if you go up into the Carrie Ford contributions.","start":177.995,"end":180.415,"sentiment":"neutral","sentiment_score":0.014260305303402922},{"text":"Yeah.","start":182.81,"end":183.21,"sentiment":"neutral","sentiment_score":0.20518340170383453},{"text":"Beautiful.","start":183.21,"end":183.71,"sentiment":"positive","sentiment_score":0.4433332979679108},{"text":"Yes.","start":188.25,"end":188.65,"sentiment":"neutral","sentiment_score":0.13328075408935547}],"sentiment":"neutral","sentiment_score":0.0633482818491757,"num_words":15,"start":175.115,"end":188.65},{"sentences":[{"text":"Now it should give you the total.","start":188.65,"end":190.89,"sentiment":"neutral","sentiment_score":0.16226848427738463},{"text":"So it'll say at the very top there that you're eligible due to your current super balance as of the June 1, and then it will give you your total catch up contributions there.","start":190.89,"end":199.655,"sentiment":"neutral","sentiment_score":0.17007402681252537},{"text":"Is that what you're looking at?","start":199.655,"end":201.435,"sentiment":"neutral","sentiment_score":0.08026657812297344},{"text":"Okay.","start":213.67,"end":214.06999,"sentiment":"neutral","sentiment_score":-0.01943282037973404},{"text":"So it's not gonna let us because it's counting the balance in the defined benefit as well.","start":214.06999,"end":219.45,"sentiment":"neutral","sentiment_score":-0.1071674521355068}],"sentiment":"neutral","sentiment_score":0.08551871174803147,"num_words":65,"start":188.65,"end":219.45},{"sentences":[{"text":"That's interesting.","start":220.31,"end":221.12999,"sentiment":"neutral","sentiment_score":-0.06283724866807461},{"text":"Yeah.","start":221.34999,"end":221.84999,"sentiment":"neutral","sentiment_score":-0.11353249847888948},{"text":"It does, unfortunately, mean it's really interesting.","start":221.91,"end":224.205,"sentiment":"neutral","sentiment_score":-0.27539835444518496},{"text":"I don't know why it's doing that because, realistically, the balance in your deferred benefit is just an estimate of balance.","start":224.205,"end":229.325,"sentiment":"neutral","sentiment_score":-0.2699289846987951},{"text":"It's not actually, you know, the total balance.","start":229.325,"end":231.405,"sentiment":"neutral","sentiment_score":-0.2767680734395981}],"sentiment":"neutral","sentiment_score":-0.25768330110571325,"num_words":39,"start":220.31,"end":231.405},{"sentences":[{"text":"But because they've obviously reported that, they're not gonna allow us to use any catch up or past contributions from like, that your employer hasn't utilized.","start":231.405,"end":239.265,"sentiment":"neutral","sentiment_score":-0.3158714226805247},{"text":"So it does mean that we are limited, but that's okay.","start":239.54001,"end":242.6,"sentiment":"neutral","sentiment_score":-0.08707666837356308},{"text":"I will just look at what we have available there.","start":243.46,"end":246.52,"sentiment":"neutral","sentiment_score":0.21857313737273215},{"text":"Are you able to when you sort of look below that, sir, I'm just having a look at mine as well as I go through this because it my job's always fun to deal with.","start":246.90001,"end":254.355,"sentiment":"neutral","sentiment_score":0.15599046945571898},{"text":"At the underneath that, you've got the financial year 2526.","start":255.315,"end":259.335,"sentiment":"neutral","sentiment_score":0.05237346030771732}],"sentiment":"neutral","sentiment_score":-0.010884434065741041,"num_words":92,"start":231.405,"end":259.335},{"sentences":[{"text":"If you go down below yep.","start":260.675,"end":264.195,"sentiment":"neutral","sentiment_score":0.05507416029771169},{"text":"Yeah.","start":264.195,"end":264.595,"sentiment":"neutral","sentiment_score":0.09400705993175508},{"text":"So underneath that, it should tell you the description for your total contributions that you have available.","start":264.595,"end":271.39,"sentiment":"neutral","sentiment_score":0.10880691558122635},{"text":"Can you see that for this financial year at all?","start":271.39,"end":273.81,"sentiment":"neutral","sentiment_score":0.07576198689639568},{"text":"Yep.","start":279.23,"end":279.73,"sentiment":"neutral","sentiment_score":-0.15759976208209991}],"sentiment":"neutral","sentiment_score":0.08211970552802086,"num_words":35,"start":260.675,"end":279.73},{"sentences":[{"text":"Okay.","start":289.245,"end":289.745,"sentiment":"neutral","sentiment_score":-0.06468138843774796},{"text":"Yep.","start":304.06,"end":304.56,"sentiment":"neutral","sentiment_score":-0.05963563546538353},{"text":"Yeah.","start":305.835,"end":306.335,"sentiment":"neutral","sentiment_score":-0.013403147459030151},{"text":"Yeah.","start":306.555,"end":306.63498,"sentiment":"neutral","sentiment_score":0.002232469618320465},{"text":"We're just looking to see what the unused is for this financial 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100.","start":337.235,"end":338.29498,"sentiment":"neutral","sentiment_score":0.021122065062324207}],"sentiment":"neutral","sentiment_score":0.025871981797670876,"num_words":54,"start":311.755,"end":338.29498},{"sentences":[{"text":"Yeah.","start":345.65,"end":345.81,"sentiment":"neutral","sentiment_score":0.10093703866004944},{"text":"That's the total.","start":345.81,"end":346.95,"sentiment":"neutral","sentiment_score":0.135741596420606},{"text":"It's essentially allowing that we could use if we if we were able to, but because your super balance is a bit high, it's not not letting us do so.","start":347.41,"end":355.43,"sentiment":"neutral","sentiment_score":-0.16285449688633283},{"text":"That is no.","start":356.05002,"end":363.575,"sentiment":"neutral","sentiment_score":-0.0403154194355011},{"text":"That's okay.","start":363.575,"end":364.475,"sentiment":"neutral","sentiment_score":-0.12300492078065872}],"sentiment":"neutral","sentiment_score":-0.12165203021887021,"num_words":39,"start":345.65,"end":364.475},{"sentences":[{"text":"Letting us get anything further, unfortunately.","start":364.855,"end":367.035,"sentiment":"neutral","sentiment_score":-0.32935018837451935},{"text":"No.","start":373.34,"end":373.58002,"sentiment":"negative","sentiment_score":-0.36516499519348145},{"text":"That's okay.","start":373.58002,"end":374.30002,"sentiment":"negative","sentiment_score":-0.33879756927490234},{"text":"It won't let us use it anyway.","start":374.30002,"end":375.76,"sentiment":"negative","sentiment_score":-0.399619208914893},{"text":"No.","start":376.30002,"end":376.54,"sentiment":"neutral","sentiment_score":-0.09108293056488036}],"sentiment":"negative","sentiment_score":-0.34748697982114907,"num_words":17,"start":364.855,"end":376.54},{"sentences":[{"text":"That's okay.","start":376.54,"end":377.02002,"sentiment":"neutral","sentiment_score":0.17540471255779266},{"text":"That's absolutely fine.","start":377.02002,"end":377.9,"sentiment":"positive","sentiment_score":0.37476520737012226},{"text":"I wanted to double check that because, obviously, with your income, it is quite high.","start":377.9,"end":381.42,"sentiment":"neutral","sentiment_score":-0.020971840620040892},{"text":"So your contributions are fairly high as well.","start":381.42,"end":383.335,"sentiment":"neutral","sentiment_score":-0.044215894769877195},{"text":"So it does, unfortunately, give us a bit of a limit as to what we can do.","start":383.335,"end":386.69498,"sentiment":"neutral","sentiment_score":-0.26182133879731684}],"sentiment":"neutral","sentiment_score":-0.08098138843973478,"num_words":45,"start":376.54,"end":386.69498},{"sentences":[{"text":"However, that is absolutely okay.","start":386.69498,"end":388.33496,"sentiment":"positive","sentiment_score":0.3547014929354191},{"text":"You can leave it with me, and I can absolutely work on it for you.","start":388.33496,"end":391.35498,"sentiment":"positive","sentiment_score":0.5656952043374379},{"text":"Just with your income, you noted the last time we spoke, you were on 205,000, but that's dropped down.","start":391.97498,"end":398.19,"sentiment":"neutral","sentiment_score":0.0683961208713682},{"text":"So you should be earning about a $187,008.76 now.","start":398.19,"end":403.06998,"sentiment":"neutral","sentiment_score":0.15887545463111666},{"text":"Is that kind of what you're estimating your income should be?","start":403.06998,"end":406.13,"sentiment":"neutral","sentiment_score":0.0697239109060981}],"sentiment":"neutral","sentiment_score":0.23314074471087778,"num_words":59,"start":386.69498,"end":406.13},{"sentences":[{"text":"Yeah.","start":410.045,"end":410.545,"sentiment":"neutral","sentiment_score":0.025561127811670303},{"text":"Yep.","start":411.965,"end":412.465,"sentiment":"neutral","sentiment_score":0.035932742059230804},{"text":"Perfect.","start":413.085,"end":413.585,"sentiment":"neutral","sentiment_score":0.22192762792110443},{"text":"$3.05 2.","start":421.405,"end":422.625,"sentiment":"neutral","sentiment_score":0.019379707984626293},{"text":"I've been mindful of what's that's okay.","start":426.14,"end":427.90002,"sentiment":"neutral","sentiment_score":0.023739512211510112}],"sentiment":"neutral","sentiment_score":0.04069645827015241,"num_words":12,"start":410.045,"end":427.90002},{"sentences":[{"text":"That's absolutely fine.","start":427.90002,"end":429.26,"sentiment":"neutral","sentiment_score":0.26831771930058795},{"text":"Are you at or a that's okay.","start":429.26,"end":431.34003,"sentiment":"neutral","sentiment_score":-0.062414380854793956},{"text":"Are you at or able to take a screenshot or email me a copy of that payslip just as a reference?","start":431.34003,"end":436.32,"sentiment":"neutral","sentiment_score":0.022273220831439608},{"text":"Yeah.","start":438.085,"end":438.585,"sentiment":"neutral","sentiment_score":0.06985646486282349},{"text":"That's okay.","start":438.64502,"end":439.465,"sentiment":"neutral","sentiment_score":0.10181590542197227}],"sentiment":"neutral","sentiment_score":0.03262583544368253,"num_words":34,"start":427.90002,"end":439.465},{"sentences":[{"text":"Are you I think you were emailing everything through to Maddie or Jordan last time.","start":439.92502,"end":444.98502,"sentiment":"neutral","sentiment_score":0.048639138042926786},{"text":"And you're welcome to use the same email.","start":445.605,"end":447.465,"sentiment":"neutral","sentiment_score":0.09495985973626375},{"text":"Yeah.","start":447.525,"end":447.845,"sentiment":"neutral","sentiment_score":0.09958766400814056},{"text":"Because they saved everything down for me.","start":447.845,"end":449.525,"sentiment":"neutral","sentiment_score":0.3321320595485823},{"text":"That's absolutely fine.","start":449.525,"end":450.405,"sentiment":"positive","sentiment_score":0.5175947348276774}],"sentiment":"neutral","sentiment_score":0.16078124217250767,"num_words":34,"start":439.92502,"end":450.405},{"sentences":[{"text":"I just wanna make sure that we're utilizing all avenues we absolutely can.","start":450.405,"end":454.12,"sentiment":"positive","sentiment_score":0.3740912492458637},{"text":"And I'm, yeah, sorry that they've added that deferred benefit in there for you as well.","start":454.5,"end":458.66,"sentiment":"neutral","sentiment_score":-0.10542319039814174},{"text":"It does, unfortunately, provide limits, but it's not the end of the world.","start":458.66,"end":461.22,"sentiment":"neutral","sentiment_score":-0.30140859805620634},{"text":"We can absolutely work with that, and we can, you know, see what else we can do.","start":461.22,"end":464.76,"sentiment":"neutral","sentiment_score":0.1703237961320316},{"text":"The only other thing is when we did discuss the insurance side of things, I've gone through and had a really good look at what we can do.","start":465.82498,"end":472.785,"sentiment":"neutral","sentiment_score":0.05987070421023028}],"sentiment":"neutral","sentiment_score":0.044022846795704174,"num_words":87,"start":450.405,"end":472.785},{"sentences":[{"text":"I've got some great options there.","start":472.785,"end":474.22498,"sentiment":"positive","sentiment_score":0.3645481864611308},{"text":"The only type of insurance cover we didn't sort of touch base on was insurances that are held outside of super.","start":474.22498,"end":479.10498,"sentiment":"neutral","sentiment_score":-0.032508467191032},{"text":"So there is one other type of cover which is called trauma.","start":479.10498,"end":481.78998,"sentiment":"neutral","sentiment_score":-0.02350011405845483},{"text":"Having a look at everything, you don't have any option for trauma in any of the other covers that you do hold at the moment.","start":482.16998,"end":487.55,"sentiment":"neutral","sentiment_score":-0.016057183146476747},{"text":"Trauma is normally paid out of your back pocket and tends to provide, like, a lump sum tax free benefit in the event that you stay diagnosed with cancer, traumatic conditions like Parkinson's or neurological conditions.","start":488.09,"end":499.875,"sentiment":"neutral","sentiment_score":0.008041087486263778}],"sentiment":"neutral","sentiment_score":0.01110659509897232,"num_words":100,"start":472.785,"end":499.875},{"sentences":[{"text":"Did you wanna look at any of those types of insurance that can be held outside of Super, or you're happy just with the loss of TBD and the the income protection policy that you do have at the moment?","start":499.875,"end":508.935,"sentiment":"neutral","sentiment_score":-0.008947996399365365},{"text":"Yep.","start":510.79,"end":511.19,"sentiment":"neutral","sentiment_score":0.21635913848876953},{"text":"That's okay.","start":511.19,"end":512.08997,"sentiment":"neutral","sentiment_score":0.23017460852861404},{"text":"Beautiful.","start":512.55,"end":513.05,"sentiment":"positive","sentiment_score":0.5907574892044067},{"text":"Lovely.","start":513.35,"end":513.75,"sentiment":"positive","sentiment_score":0.5517139434814453}],"sentiment":"neutral","sentiment_score":0.03247244293904967,"num_words":45,"start":499.875,"end":513.75},{"sentences":[{"text":"Well, I've done all the research on the income protection policy with your employer.","start":513.75,"end":516.95,"sentiment":"positive","sentiment_score":0.3394009066479547},{"text":"That is a really great policy too.","start":516.95,"end":518.95,"sentiment":"positive","sentiment_score":0.654040549482618},{"text":"I'm really excited to go through that with you, and I was able to do some really great research there for you on your deferred benefit product as well.","start":518.95,"end":525.565,"sentiment":"neutral","sentiment_score":0.31077686568786356},{"text":"So I've got all that ready to go.","start":525.565,"end":527.90497,"sentiment":"neutral","sentiment_score":0.16372759081423283},{"text":"All I need to do now is go go go back and just reevaluate the contribution side of it, make sure we're working as hard as you know, everything's working as hard as it can towards your goals there.","start":528.365,"end":537.9,"sentiment":"neutral","sentiment_score":0.1316892819908949}],"sentiment":"neutral","sentiment_score":0.2555477151397577,"num_words":97,"start":513.75,"end":537.9},{"sentences":[{"text":"But are you available next week to have your advice document presented to you maybe next Monday about 05:00?","start":538.14,"end":544.64,"sentiment":"neutral","sentiment_score":0.03110499268299655},{"text":"Nope.","start":547.18005,"end":547.68005,"sentiment":"neutral","sentiment_score":-0.19544169306755063},{"text":"That's okay.","start":552.875,"end":553.77496,"sentiment":"neutral","sentiment_score":-0.03608991950750351},{"text":"Yeah.","start":555.51495,"end":555.915,"sentiment":"neutral","sentiment_score":-0.015332978218793867},{"text":"I'm so sorry to hear 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okay.","start":570.47003,"end":572.09,"sentiment":"neutral","sentiment_score":0.061921022832393646},{"text":"You normally are preferably available sort of after that 04:00 mark.","start":572.71,"end":576.55005,"sentiment":"neutral","sentiment_score":0.04014790142801675},{"text":"Is that right?","start":576.55005,"end":577.37,"sentiment":"neutral","sentiment_score":0.040145810693502426},{"text":"Yep.","start":578.65497,"end":578.975,"sentiment":"neutral","sentiment_score":0.08109694719314575},{"text":"That's okay.","start":578.975,"end":579.795,"sentiment":"neutral","sentiment_score":0.1381569653749466}],"sentiment":"neutral","sentiment_score":0.05491143533665883,"num_words":19,"start":570.47003,"end":579.795},{"sentences":[{"text":"It looks like the rest of the week is a bit tight around that time.","start":580.095,"end":583.615,"sentiment":"neutral","sentiment_score":-0.021868405491113664},{"text":"It's the afternoons are quite popular, but the following Monday, March 9, if you're available, I do have 4PM Queensland time, which for yourself yeah.","start":583.615,"end":594.99,"sentiment":"neutral","sentiment_score":0.04265020772814751},{"text":"04:00.","start":594.99,"end":595.55,"sentiment":"neutral","sentiment_score":0.0170751865953207},{"text":"You're in Emu Park.","start":595.55,"end":596.43,"sentiment":"neutral","sentiment_score":0.023301920387893915},{"text":"So it'll be 04:00 then or even 04:30 if you're available.","start":596.43,"end":599.70996,"sentiment":"neutral","sentiment_score":0.0272122167728164}],"sentiment":"neutral","sentiment_score":0.02049725649080106,"num_words":56,"start":580.095,"end":599.70996},{"sentences":[{"text":"Would that suit?","start":599.70996,"end":600.61,"sentiment":"neutral","sentiment_score":0.04067710290352503},{"text":"Yeah.","start":603.23,"end":603.73,"sentiment":"neutral","sentiment_score":0.03986425697803497},{"text":"Oh, no.","start":604.19,"end":604.82996,"sentiment":"neutral","sentiment_score":0.03074737824499607},{"text":"That's okay.","start":604.82996,"end":605.64996,"sentiment":"neutral","sentiment_score":0.1636623665690422},{"text":"Absolutely.","start":606.11,"end":606.61,"sentiment":"neutral","sentiment_score":0.32388511300086975}],"sentiment":"neutral","sentiment_score":0.09717779647972849,"num_words":9,"start":599.70996,"end":606.61},{"sentences":[{"text":"That that's okay.","start":606.99,"end":608.485,"sentiment":"neutral","sentiment_score":0.24758875370025635},{"text":"That week is completely free, so I could even do the eleventh.","start":608.485,"end":611.385,"sentiment":"neutral","sentiment_score":0.22100788230697313},{"text":"I could do at four, four thirty, or 05:00.","start":611.52496,"end":614.58496,"sentiment":"neutral","sentiment_score":0.10514086029595798},{"text":"What time would you prefer on Wednesday?","start":614.885,"end":616.665,"sentiment":"neutral","sentiment_score":0.03716861057494368},{"text":"Yep.","start":618.32495,"end":618.805,"sentiment":"positive","sentiment_score":0.48907241225242615}],"sentiment":"neutral","sentiment_score":0.1590744149289094,"num_words":32,"start":606.99,"end":618.805},{"sentences":[{"text":"Perfect.","start":618.805,"end":619.305,"sentiment":"positive","sentiment_score":0.7036592960357666},{"text":"I'll pop it in there.","start":619.365,"end":620.1,"sentiment":"positive","sentiment_score":0.5332379817962647},{"text":"I'll have the text message reminder there for you as well, and I'll get the girls to email up the just a confirmation for your an advice presentation, and I'll get back into finishing that research for you and have the advice document ready to go.","start":620.1,"end":632.1,"sentiment":"positive","sentiment_score":0.40123065593449964},{"text":"Okay?","start":632.1,"end":632.6,"sentiment":"neutral","sentiment_score":0.29641038179397583},{"text":"Wonderful.","start":635.655,"end":636.155,"sentiment":"positive","sentiment_score":0.5354964137077332}],"sentiment":"positive","sentiment_score":0.4195993735834404,"num_words":54,"start":618.805,"end":636.155},{"sentences":[{"text":"Yep.","start":639.255,"end":639.755,"sentiment":"neutral","sentiment_score":0.044423263520002365},{"text":"K.","start":641.09503,"end":641.59503,"sentiment":"neutral","sentiment_score":0.047119200229644775},{"text":"That'd be amazing.","start":641.655,"end":642.61505,"sentiment":"neutral","sentiment_score":0.28721410036087036},{"text":"Thank you so much for that, Lisa.","start":642.61505,"end":643.97504,"sentiment":"positive","sentiment_score":0.5809442400932312},{"text":"Do you have any questions for me at the moment?","start":643.97504,"end":646.215,"sentiment":"neutral","sentiment_score":0.09343542754650117}],"sentiment":"neutral","sentiment_score":0.27064312367954035,"num_words":22,"start":639.255,"end":646.215},{"sentences":[{"text":"Or No.","start":646.215,"end":647.92,"sentiment":"neutral","sentiment_score":-0.019596334546804428},{"text":"Oh, my pleasure.","start":648.62,"end":649.89996,"sentiment":"neutral","sentiment_score":0.31467505792776745},{"text":"Looking forward to going through this with you, and I hope you have a good day.","start":649.89996,"end":652.62,"sentiment":"positive","sentiment_score":0.7887734957039356},{"text":"I hope everything goes okay with your mom as 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Not too bad. How are you? Yep. No worries. Yeah. No problem at all. Yep. Lisa Marie Andrews. 07/23/1978, and you should have crawled by the street in your park. Okay. Hang on one sec. Yeah. I know you have to enter my mic app. I was in there earlier today. I'll just go in there. Just one sec. I look after my parents, so I've gotta go in there for the aged care services and up. So okay. So you want me to go into the ATO side? Is that where you no. Slowly thinking about it. Okay. So and they managed to oh, what do you need? The super account? Yeah. No? Just like this I'm just sorry. I just jumped into somewhere else. Concessional contributions. Is that should I go into where it says concessional contributions or non concessional or carry forward? Which one? There's three. The concessional? There's concessional contributions, carry forward concessional contributions, or nonconcession? Contribution. Okay. I shall jump in there. Okay. So you're wanting as at June 2025? Okay. So it says the eligibility to carry forward the unused concession has not been met as the total superannuation balance is 500,000 or more at the June. Yep. Yep. Yep. And then it says current. Is that Yep. Yep. So it says current as of the 02/12/2026. It says unused concessional contributions available to carry forward, and it's got a big red thing not eligible. $31.07 $4.01 $7.04 $0.51. And it says not eligible to carry forward unused concessional contributions because the total separation is 500,000 or more at the June. And then blah blah blah. Description concessional contributions amount 105759Dot49. And then it's got the unused bid again. So this has this has twenty twenty five, twenty six financial year description, total carry forward, concessional contributions cap is amount is $1.03 $7,500. And then underneath that, it says description contributions concessional amount $1.00 $5.07 $5.9.49. Yep. And then it's got that unused concessional contributions cap available to carry forward $31.07 $4.00 dot $5.01. Nope. That's all it's got, and then it's got the information for all the other financial years, which I'm pretty sure you don't want. Yep. Okay. Yeah. Actually, I'm on. Just one sec. I'll get my last pay slip because it actually dropped me down. That'd be $163.03 $5.02. Yep. But it's actually gonna go up in March by 4%. So just to mess with you. Yep. I can see that. Yep. Do you want me to send to them? Or Okay. Yep. Yep. Yeah. I think I'm happy with the one I've got tomorrow. Yeah. Okay. I actually can't on Monday because my mom's going into hospital, and I'm picking mom up on Monday and taking her home and looking after her. So she's got some surgery. So that's like it's knee surgery, replacement knee. So she's been looking forward to it. But, yeah, I'll have to look after her. So I imagine Monday is gonna be hectic, so later in the week might be better. Yeah. And Ken says another day that week, my grandson's birthday. So it's his first birthday. Okay. Eleventh would be great. 04:00 is great. Yep. Awesome. And I will send you that payslip thing, and I'll try and find what the the rate is for the our March increase. I'm I'm sure it's 4%, but I'll send that through too. Cool. No. No questions at the moment. Thank you so much. Thank you. Talk to you later. 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Not too bad. How are you? Yep. No worries.\n\nYeah. No problem at all. Yep. Lisa Marie Andrews. 07/23/1978, and you should have crawled by the street in your park.\n\nOkay. Hang on one sec. Yeah. I know you have to enter my mic app. I was in there earlier today.\n\nI'll just go in there. Just one sec. I look after my parents, so I've gotta go in there for the aged care services and up. So okay. So you want me to go into the ATO side?\n\nIs that where you no. Slowly thinking about it. Okay. So and they managed to oh, what do you need? The super account?\n\nYeah. No? Just like this I'm just sorry. I just jumped into somewhere else. Concessional contributions.\n\nIs that should I go into where it says concessional contributions or non concessional or carry forward? Which one? There's three. The concessional? There's concessional contributions, carry forward concessional contributions, or nonconcession?\n\nContribution. Okay. I shall jump in there. Okay. So you're wanting as at June 2025?\n\nOkay. So it says the eligibility to carry forward the unused concession has not been met as the total superannuation balance is 500,000 or more at the June. Yep. Yep. Yep.\n\nAnd then it says current. Is that Yep. Yep. So it says current as of the 02/12/2026. It says unused concessional contributions available to carry forward, and it's got a big red thing not eligible.\n\n$31.07 $4.01 $7.04 $0.51. And it says not eligible to carry forward unused concessional contributions because the total separation is 500,000 or more at the June. And then blah blah blah. Description concessional contributions amount 105759Dot49. And then it's got the unused bid again.\n\nSo this has this has twenty twenty five, twenty six financial year description, total carry forward, concessional contributions cap is amount is $1.03 $7,500. And then underneath that, it says description contributions concessional amount $1.00 $5.07 $5.9.49. Yep. And then it's got that unused concessional contributions cap available to carry forward $31.07 $4.00 dot $5.01. Nope.\n\nThat's all it's got, and then it's got the information for all the other financial years, which I'm pretty sure you don't want. Yep. Okay. Yeah. Actually, I'm on.\n\nJust one sec. I'll get my last pay slip because it actually dropped me down. That'd be $163.03 $5.02. Yep. But it's actually gonna go up in March by 4%.\n\nSo just to mess with you. Yep. I can see that. Yep. Do you want me to send to them?\n\nOr Okay. Yep. Yep. Yeah. I think I'm happy with the one I've got tomorrow.\n\nYeah. Okay. I actually can't on Monday because my mom's going into hospital, and I'm picking mom up on Monday and taking her home and looking after her. So she's got some surgery. So that's like it's knee surgery, replacement knee.\n\nSo she's been looking forward to it. But, yeah, I'll have to look after her. So I imagine Monday is gonna be hectic, so later in the week might be better. Yeah. And Ken says another day that week, my grandson's birthday.\n\nSo it's his first birthday. Okay. Eleventh would be great. 04:00 is great. Yep.\n\nAwesome. And I will send you that payslip thing, and I'll try and find what the the rate is for the our March increase. I'm I'm sure it's 4%, but I'll send that through too. Cool. No.\n\nNo questions at the moment. Thank you so much. Thank you. Talk to you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.022072190418839455},{"text":"Not too bad.","start":6.24,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.2476542443037033},{"text":"How are you?","start":6.8799996,"end":7.7,"sentiment":"neutral","sentiment_score":0.20793157815933228},{"text":"Yep.","start":14.0,"end":14.5,"sentiment":"neutral","sentiment_score":0.06889048963785172},{"text":"No worries.","start":14.535,"end":15.434999,"sentiment":"neutral","sentiment_score":0.05254097282886505}],"sentiment":"neutral","sentiment_score":0.1562802093103528,"num_words":10,"start":1.1999999,"end":15.434999},{"sentences":[{"text":"Yeah.","start":23.335,"end":23.654999,"sentiment":"neutral","sentiment_score":0.08269140124320984},{"text":"No problem at all.","start":23.654999,"end":24.795,"sentiment":"neutral","sentiment_score":0.20363213866949081},{"text":"Yep.","start":33.329998,"end":33.73,"sentiment":"neutral","sentiment_score":0.060723282396793365},{"text":"Lisa Marie Andrews.","start":33.73,"end":34.69,"sentiment":"neutral","sentiment_score":0.03935560087362925},{"text":"07/23/1978, and you should have crawled by the street in your park.","start":34.69,"end":38.87,"sentiment":"neutral","sentiment_score":0.057625870841244854}],"sentiment":"neutral","sentiment_score":0.0841676424301806,"num_words":21,"start":23.335,"end":38.87},{"sentences":[{"text":"Okay.","start":47.885,"end":48.385,"sentiment":"neutral","sentiment_score":0.030465656891465187},{"text":"Hang on one sec.","start":81.68,"end":82.71999,"sentiment":"neutral","sentiment_score":-0.007468946278095245},{"text":"Yeah.","start":82.71999,"end":82.96,"sentiment":"neutral","sentiment_score":0.002096833661198616},{"text":"I know you have to enter my mic app.","start":82.96,"end":84.64,"sentiment":"neutral","sentiment_score":-0.009956679306924343},{"text":"I was in there earlier today.","start":84.64,"end":85.939995,"sentiment":"neutral","sentiment_score":0.007593904001017411}],"sentiment":"neutral","sentiment_score":-0.001969523062663419,"num_words":21,"start":47.885,"end":85.939995},{"sentences":[{"text":"I'll just go in there.","start":87.03999,"end":88.479996,"sentiment":"neutral","sentiment_score":0.012823456712067128},{"text":"Just one sec.","start":88.479996,"end":89.46,"sentiment":"neutral","sentiment_score":0.011520710463325182},{"text":"I look after my parents, so I've gotta go in there for the aged care services and up.","start":93.03999,"end":96.855,"sentiment":"neutral","sentiment_score":0.03613105850915114},{"text":"So okay.","start":97.255005,"end":100.295006,"sentiment":"neutral","sentiment_score":0.046468762680888176},{"text":"So you want me to go into the ATO side?","start":100.295006,"end":102.295006,"sentiment":"neutral","sentiment_score":-0.0006222015246748926}],"sentiment":"neutral","sentiment_score":0.021993525742896293,"num_words":38,"start":87.03999,"end":102.295006},{"sentences":[{"text":"Is that where you no.","start":102.295006,"end":103.735,"sentiment":"neutral","sentiment_score":-0.003439828008413315},{"text":"Slowly thinking about it.","start":109.175,"end":110.82,"sentiment":"neutral","sentiment_score":-0.004768816288560629},{"text":"Okay.","start":113.14,"end":113.54,"sentiment":"neutral","sentiment_score":0.07240618765354156},{"text":"So and they managed to oh, what do you need?","start":113.54,"end":116.74,"sentiment":"neutral","sentiment_score":0.10803744494915009},{"text":"The super account?","start":116.74,"end":117.72,"sentiment":"neutral","sentiment_score":0.07834423581759135}],"sentiment":"neutral","sentiment_score":0.05876256258267423,"num_words":23,"start":102.295006,"end":117.72},{"sentences":[{"text":"Yeah.","start":121.3,"end":121.8,"sentiment":"neutral","sentiment_score":0.1369962841272354},{"text":"No?","start":145.62999,"end":146.12999,"sentiment":"neutral","sentiment_score":0.007175748236477375},{"text":"Just like this I'm just sorry.","start":156.915,"end":158.915,"sentiment":"neutral","sentiment_score":-0.062378860699633755},{"text":"I just jumped into somewhere else.","start":158.915,"end":160.275,"sentiment":"neutral","sentiment_score":-0.0686472716430823},{"text":"Concessional contributions.","start":160.275,"end":161.415,"sentiment":"neutral","sentiment_score":-0.001080287795048207}],"sentiment":"neutral","sentiment_score":-0.0402590835801675,"num_words":16,"start":121.3,"end":161.415},{"sentences":[{"text":"Is that should I go into where it says concessional contributions or non concessional or carry forward?","start":161.795,"end":167.315,"sentiment":"neutral","sentiment_score":0.01642158454941476},{"text":"Which one?","start":167.315,"end":167.795,"sentiment":"neutral","sentiment_score":0.01738969748839736},{"text":"There's three.","start":167.795,"end":168.6,"sentiment":"neutral","sentiment_score":0.010414322139695287},{"text":"The concessional?","start":168.92001,"end":169.66,"sentiment":"neutral","sentiment_score":-0.00917534498148598},{"text":"There's concessional contributions, carry forward concessional contributions, or nonconcession?","start":173.0,"end":177.26001,"sentiment":"neutral","sentiment_score":0.011221314521713389}],"sentiment":"neutral","sentiment_score":0.0130442536665214,"num_words":32,"start":161.795,"end":177.26001},{"sentences":[{"text":"Contribution.","start":178.20001,"end":178.70001,"sentiment":"neutral","sentiment_score":0.00931474007666111},{"text":"Okay.","start":181.095,"end":181.49501,"sentiment":"neutral","sentiment_score":0.05338598787784576},{"text":"I shall jump in there.","start":181.49501,"end":182.795,"sentiment":"neutral","sentiment_score":0.06252168342471123},{"text":"Okay.","start":184.295,"end":184.615,"sentiment":"neutral","sentiment_score":0.15085190534591675},{"text":"So you're wanting as at June 2025?","start":184.615,"end":186.875,"sentiment":"neutral","sentiment_score":0.06598852149077825}],"sentiment":"neutral","sentiment_score":0.06587204672396182,"num_words":15,"start":178.20001,"end":186.875},{"sentences":[{"text":"Okay.","start":201.76001,"end":202.08,"sentiment":"neutral","sentiment_score":0.002891888841986656},{"text":"So it says the eligibility to carry forward the unused concession has not been met as the total superannuation balance is 500,000 or more at the June.","start":202.08,"end":212.915,"sentiment":"neutral","sentiment_score":-0.03889752717481719},{"text":"Yep.","start":247.235,"end":247.735,"sentiment":"neutral","sentiment_score":0.13414126634597778},{"text":"Yep.","start":259.61,"end":259.69,"sentiment":"neutral","sentiment_score":0.11209557950496674},{"text":"Yep.","start":259.69,"end":260.19,"sentiment":"neutral","sentiment_score":0.10722176730632782}],"sentiment":"neutral","sentiment_score":-0.022383313926477588,"num_words":31,"start":201.76001,"end":260.19},{"sentences":[{"text":"And then it says current.","start":260.41,"end":262.51,"sentiment":"neutral","sentiment_score":0.05052386894822121},{"text":"Is that Yep.","start":262.57,"end":263.95,"sentiment":"neutral","sentiment_score":0.060943253338336945},{"text":"Yep.","start":273.935,"end":274.255,"sentiment":"neutral","sentiment_score":0.03111119195818901},{"text":"So it says current as of the 02/12/2026.","start":274.255,"end":278.61,"sentiment":"neutral","sentiment_score":-0.014762108738068491},{"text":"It says unused concessional contributions available to carry forward, and it's got a big red thing not eligible.","start":278.61,"end":284.31,"sentiment":"neutral","sentiment_score":-0.3301285281777382}],"sentiment":"neutral","sentiment_score":-0.1598242880111294,"num_words":35,"start":260.41,"end":284.31},{"sentences":[{"text":"$31.07 $4.01 $7.04 $0.51.","start":284.61,"end":288.87,"sentiment":"neutral","sentiment_score":-0.087334044277668},{"text":"And it says not eligible to carry forward unused concessional contributions because the total separation is 500,000 or more at the June.","start":289.00998,"end":295.98502,"sentiment":"neutral","sentiment_score":-0.2741053322838111},{"text":"And then blah blah blah.","start":295.98502,"end":298.385,"sentiment":"neutral","sentiment_score":-0.2170648008584976},{"text":"Description concessional contributions amount 105759Dot49.","start":298.385,"end":303.665,"sentiment":"neutral","sentiment_score":-0.0958113819360733},{"text":"And then it's got the unused bid again.","start":303.665,"end":305.845,"sentiment":"neutral","sentiment_score":-0.11926248157396913}],"sentiment":"neutral","sentiment_score":-0.20223032395270737,"num_words":44,"start":284.61,"end":305.845},{"sentences":[{"text":"So this has this has twenty twenty five, twenty six financial year description, total carry forward, concessional contributions cap is amount is $1.03 $7,500.","start":325.255,"end":336.315,"sentiment":"neutral","sentiment_score":0.03869130571062366},{"text":"And then underneath that, it says description contributions concessional amount $1.00 $5.07 $5.9.49.","start":337.2,"end":344.9,"sentiment":"neutral","sentiment_score":0.01304209354118659},{"text":"Yep.","start":355.795,"end":356.035,"sentiment":"neutral","sentiment_score":-0.07228223979473114},{"text":"And then it's got that unused concessional contributions cap available to carry forward $31.07 $4.00 dot $5.01.","start":356.035,"end":362.935,"sentiment":"neutral","sentiment_score":-0.019802335485377732},{"text":"Nope.","start":367.83002,"end":368.07,"sentiment":"negative","sentiment_score":-0.4715633988380432}],"sentiment":"neutral","sentiment_score":0.0038866644858249594,"num_words":56,"start":325.255,"end":368.07},{"sentences":[{"text":"That's all it's got, and then it's got the information for all the other financial years, which I'm pretty sure you don't want.","start":368.07,"end":372.89,"sentiment":"negative","sentiment_score":-0.4100692349931468},{"text":"Yep.","start":376.47,"end":376.97,"sentiment":"neutral","sentiment_score":0.01236009132117033},{"text":"Okay.","start":387.265,"end":387.765,"sentiment":"neutral","sentiment_score":0.291523814201355},{"text":"Yeah.","start":391.12,"end":391.62,"sentiment":"neutral","sentiment_score":0.15866462886333466},{"text":"Actually, I'm on.","start":406.965,"end":408.405,"sentiment":"neutral","sentiment_score":0.026398689796527226}],"sentiment":"neutral","sentiment_score":-0.3065464758988598,"num_words":29,"start":368.07,"end":408.405},{"sentences":[{"text":"Just one sec.","start":408.405,"end":409.285,"sentiment":"neutral","sentiment_score":0.02510351190964381},{"text":"I'll get my last pay slip because it actually dropped me down.","start":409.285,"end":414.185,"sentiment":"neutral","sentiment_score":0.04116922958443562},{"text":"That'd be $163.03 $5.02.","start":415.44498,"end":420.37,"sentiment":"neutral","sentiment_score":0.056222972460091114},{"text":"Yep.","start":422.75,"end":423.07,"sentiment":"neutral","sentiment_score":0.06120108813047409},{"text":"But it's actually gonna go up in March by 4%.","start":423.07,"end":425.41,"sentiment":"neutral","sentiment_score":0.033697069715708496}],"sentiment":"neutral","sentiment_score":0.039746832195669414,"num_words":30,"start":408.405,"end":425.41},{"sentences":[{"text":"So just to mess with you.","start":425.95,"end":430.37,"sentiment":"neutral","sentiment_score":-0.09506804061432679},{"text":"Yep.","start":437.105,"end":437.42502,"sentiment":"neutral","sentiment_score":0.04156170040369034},{"text":"I can see that.","start":437.42502,"end":439.285,"sentiment":"neutral","sentiment_score":0.047974239103496075},{"text":"Yep.","start":445.37,"end":445.69,"sentiment":"neutral","sentiment_score":0.09382399916648863},{"text":"Do you want me to send to them?","start":445.69,"end":446.97,"sentiment":"neutral","sentiment_score":0.11761041264981031}],"sentiment":"neutral","sentiment_score":0.03488788567483425,"num_words":20,"start":425.95,"end":446.97},{"sentences":[{"text":"Or Okay.","start":446.97,"end":448.51,"sentiment":"neutral","sentiment_score":0.15045230835676193},{"text":"Yep.","start":454.97,"end":455.47,"sentiment":"neutral","sentiment_score":0.03934038057923317},{"text":"Yep.","start":465.365,"end":465.865,"sentiment":"neutral","sentiment_score":0.0496559664607048},{"text":"Yeah.","start":509.08002,"end":509.32,"sentiment":"neutral","sentiment_score":0.06506083905696869},{"text":"I think I'm happy with the one I've got tomorrow.","start":509.32,"end":511.66,"sentiment":"neutral","sentiment_score":0.23240303844213486}],"sentiment":"neutral","sentiment_score":0.18526614581545195,"num_words":15,"start":446.97,"end":511.66},{"sentences":[{"text":"Yeah.","start":519.545,"end":520.045,"sentiment":"neutral","sentiment_score":0.3206425607204437},{"text":"Okay.","start":526.26495,"end":526.76495,"sentiment":"neutral","sentiment_score":0.10860593616962431},{"text":"I actually can't on Monday because my mom's going into hospital, and I'm picking mom up on Monday and taking her home and looking after her.","start":545.465,"end":551.945,"sentiment":"neutral","sentiment_score":-0.14145459721867853},{"text":"So she's got some surgery.","start":551.945,"end":554.745,"sentiment":"neutral","sentiment_score":-0.06473980769515038},{"text":"So that's like it's knee surgery, replacement knee.","start":554.745,"end":560.88,"sentiment":"neutral","sentiment_score":-0.07683751336298883}],"sentiment":"neutral","sentiment_score":-0.10212122380915212,"num_words":41,"start":519.545,"end":560.88},{"sentences":[{"text":"So she's been looking forward to it.","start":560.88,"end":562.64,"sentiment":"neutral","sentiment_score":0.22835318318435124},{"text":"But, yeah, I'll have to look after her.","start":562.64,"end":565.06,"sentiment":"neutral","sentiment_score":0.0799396000802517},{"text":"So I imagine Monday is gonna be hectic, so later in the week might be better.","start":565.2,"end":573.265,"sentiment":"neutral","sentiment_score":-0.0260168649838306},{"text":"Yeah.","start":573.265,"end":573.765,"sentiment":"neutral","sentiment_score":0.04173417016863823},{"text":"And Ken says another day that week, my grandson's birthday.","start":601.085,"end":603.825,"sentiment":"neutral","sentiment_score":0.032724985294044016}],"sentiment":"neutral","sentiment_score":0.052159601578577644,"num_words":42,"start":560.88,"end":603.825},{"sentences":[{"text":"So it's his first birthday.","start":604.765,"end":607.185,"sentiment":"neutral","sentiment_score":0.22131261527538298},{"text":"Okay.","start":611.15,"end":611.65,"sentiment":"neutral","sentiment_score":0.12857326865196228},{"text":"Eleventh would be great.","start":612.27,"end":613.73004,"sentiment":"neutral","sentiment_score":0.15365559980273247},{"text":"04:00 is great.","start":616.67004,"end":618.05,"sentiment":"positive","sentiment_score":0.3877869000037511},{"text":"Yep.","start":623.15,"end":623.65,"sentiment":"neutral","sentiment_score":0.3031974732875824}],"sentiment":"neutral","sentiment_score":0.23687977982418879,"num_words":14,"start":604.765,"end":623.65},{"sentences":[{"text":"Awesome.","start":632.455,"end":632.855,"sentiment":"positive","sentiment_score":0.650833785533905},{"text":"And I will send you that payslip thing, and I'll try and find what the the rate is for the our March increase.","start":632.855,"end":638.615,"sentiment":"neutral","sentiment_score":0.31543137975361035},{"text":"I'm I'm sure it's 4%, but I'll send that through too.","start":638.615,"end":642.6,"sentiment":"neutral","sentiment_score":0.07070442085916345},{"text":"Cool.","start":643.46,"end":643.96,"sentiment":"positive","sentiment_score":0.63182532787323},{"text":"No.","start":646.42,"end":646.9,"sentiment":"neutral","sentiment_score":-0.0514417327940464}],"sentiment":"neutral","sentiment_score":0.2503753444431601,"num_words":37,"start":632.455,"end":646.9},{"sentences":[{"text":"No questions at the moment.","start":646.9,"end":647.94,"sentiment":"neutral","sentiment_score":-0.03267712593078613},{"text":"Thank you so much.","start":647.94,"end":648.80096,"sentiment":"positive","sentiment_score":0.453417606651783},{"text":"Thank you.","start":655.04095,"end":655.60095,"sentiment":"positive","sentiment_score":0.781534731388092},{"text":"Talk to you later.","start":655.60095,"end":656.581,"sentiment":"positive","sentiment_score":0.4594716727733612},{"text":"Bye.","start":656.641,"end":657.141,"sentiment":"positive","sentiment_score":0.4388419091701507}],"sentiment":"positive","sentiment_score":0.3431301787495613,"num_words":16,"start":646.9,"end":657.141}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Lisa. This is Dana from Okie Financial. How are you this afternoon?\n\nChannel 1: Not too bad. How are you?\n\nChannel 0: I'm very well. Thank you. I had you booked in for a really quick catch up this afternoon. Is now still a good time for you?\n\nChannel 1: Yep. No\n\nChannel 0: Yeah.\n\nChannel 1: worries.\n\nChannel 0: Oh, oh, good. Before we jump into the call, Lisa, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. No problem at all.\n\nChannel 0: Beautiful. And we do do security whenever we're discussing your personal information. So I do need to confirm with you just your full name, your date of birth, and address I should have on file for you.\n\nChannel 1: Yep. Lisa Marie Andrews. 07/23/1978, and you should have crawled by the street in your park.\n\nChannel 0: I do. Thank you so much for that. Lisa, this is just a bit of a two week catch up. So over the last two weeks, we've gone back and done all the research we needed to be able to provide\n\nChannel 1: Okay.\n\nChannel 0: the advice for you. There was just one little thing that I wanted to look at. So just with your employer contribution, so because your income was significantly higher over the past year or so and it's recently just dropping down to that 187,000, it does unfortunately limit the amount of contributions that we're able to utilize to try and help you meet your long term financial goals there. What I was wanting to find out was, are you able to if I send you an email, just jump into your myGov account. I can send you the directions on how to get your catch up contributions information.\n\nWould that be possible?\n\nChannel 1: Hang on one sec. Yeah. I know you have to enter my mic app. I was in there earlier today. I'll just go in there.\n\nJust one sec.\n\nChannel 0: It's amazing how often we use that now.\n\nChannel 1: I look after my parents, so I've gotta go in there for the aged care services and up. So\n\nChannel 0: Understandable.\n\nChannel 1: okay. So you want me to go into the ATO side? Is that where\n\nChannel 0: Yep.\n\nChannel 1: you\n\nChannel 0: Yep.\n\nChannel 1: no.\n\nChannel 0: Yep.\n\nChannel 1: Slowly thinking about it.\n\nChannel 0: Yeah. That's okay.\n\nChannel 1: Okay. So and they managed to oh, what do you need? The super account?\n\nChannel 0: So go into super from there. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: And then you'll have another sort of drop down box there, and it should give you an option for catch up concessional contributions. I'm just logging in to mine\n\nChannel 1: No?\n\nChannel 0: as well because I always it always changes on us. Love how this Yeah. So if I go in so when you got the drop down box there, what are the options it's giving you?\n\nChannel 1: Just like this I'm just sorry. I just jumped into somewhere else. Concessional\n\nChannel 0: That's\n\nChannel 1: contributions.\n\nChannel 0: okay.\n\nChannel 1: Is that\n\nChannel 0: Yep.\n\nChannel 1: should I go into where it says\n\nChannel 0: That's\n\nChannel 1: concessional contributions\n\nChannel 0: yep.\n\nChannel 1: or\n\nChannel 0: That's\n\nChannel 1: non\n\nChannel 0: the one.\n\nChannel 1: concessional\n\nChannel 0: Perfect. Yep.\n\nChannel 1: or carry forward? Which one? There's three.\n\nChannel 0: No.\n\nChannel 1: The\n\nChannel 0: That's\n\nChannel 1: concessional?\n\nChannel 0: okay. You should you you've got Carrie Ford?\n\nChannel 1: There's concessional contributions, carry forward\n\nChannel 0: Yep.\n\nChannel 1: concessional contributions, or nonconcession?\n\nChannel 0: Have it\n\nChannel 1: Contribution.\n\nChannel 0: if you go up into the Carrie Ford contributions.\n\nChannel 1: Okay. I shall jump in there.\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: Okay. So you're wanting as at June 2025?\n\nChannel 0: Yes. Now it should give you the total. So it'll say at the very top there that you're eligible due to your current super balance as of the June 1, and then it will give you your total catch up contributions there. Is that what you're looking at?\n\nChannel 1: Okay. So it says the eligibility to carry forward the unused concession has not been met as the total superannuation balance is 500,000 or more at the June.\n\nChannel 0: Okay. So it's not gonna let us because it's counting the balance in the defined benefit as well. That's interesting. Yeah. It does, unfortunately, mean it's really interesting.\n\nI don't know why it's doing that because, realistically, the balance in your deferred benefit is just an estimate of balance. It's not actually, you know, the total balance. But because they've obviously reported that, they're not gonna allow us to use any catch up or past contributions from like, that your employer hasn't utilized. So it does mean that we are limited, but that's okay. I will just look at what we have available there.\n\nAre you\n\nChannel 1: Yep.\n\nChannel 0: able to when you sort of look below that, sir, I'm just having a look at mine as well as I go through this because it my job's always fun to deal with. At the underneath that, you've got the financial year 2526.\n\nChannel 1: Yep. Yep. And then\n\nChannel 0: If\n\nChannel 1: it\n\nChannel 0: you\n\nChannel 1: says\n\nChannel 0: go\n\nChannel 1: current.\n\nChannel 0: down below\n\nChannel 1: Is that Yep.\n\nChannel 0: yep. Yeah. So underneath that, it should tell you the description for your total contributions that you have available. Can you see that for this financial year at all?\n\nChannel 1: Yep. So it says current as of the 02/12/2026. It says unused\n\nChannel 0: Yep.\n\nChannel 1: concessional contributions available to carry forward, and it's got a big red thing not eligible. $31.07 $4.01 $7.04 $0.51. And it\n\nChannel 0: Okay.\n\nChannel 1: says not eligible to carry forward unused concessional contributions because the total separation is 500,000 or more at the June. And then blah blah blah. Description concessional contributions amount 105759Dot49. And then\n\nChannel 0: Yep.\n\nChannel 1: it's got the unused bid again.\n\nChannel 0: Yeah. Yeah. We're just looking to see what the unused is for this financial year. Underneath that, does it tell you have all the in it should say the first financial year, and it should say concessional contributions cap of 30,000, and then it should tell you how many concessional contributions you've got underneath that. Can you see that box if you scroll down?\n\nYeah.\n\nChannel 1: So this has\n\nChannel 0: Seven.\n\nChannel 1: this has twenty twenty five, twenty six financial year description, total carry forward, concessional contributions cap is amount is $1.03 $7,500. And\n\nChannel 0: Seven\n\nChannel 1: then\n\nChannel 0: five\n\nChannel 1: underneath\n\nChannel 0: 100.\n\nChannel 1: that, it says description contributions concessional amount $1.00 $5.07 $5.9.49.\n\nChannel 0: Yeah. That's the total. It's essentially allowing that we could use if we if we were able to, but because your super balance is a bit high, it's not not letting us do so.\n\nChannel 1: Yep. And\n\nChannel 0: That\n\nChannel 1: then\n\nChannel 0: is\n\nChannel 1: it's got that unused concessional contributions cap available to carry forward $31.07 $4.00 dot $5.01.\n\nChannel 0: no. That's okay. Letting us get anything further, unfortunately.\n\nChannel 1: Nope. That's all it's got, and then it's got the information for all the other financial years, which I'm pretty sure you don't want.\n\nChannel 0: No. That's okay. It won't let us use it anyway. No.\n\nChannel 1: Yep.\n\nChannel 0: That's okay. That's absolutely fine. I wanted to double check that because, obviously, with your income, it is quite high. So your contributions are fairly high as well. So it does, unfortunately, give us a bit of a limit as to what we can do.\n\nHowever,\n\nChannel 1: Okay.\n\nChannel 0: that is absolutely okay. You can leave it with me, and I can absolutely work on it for you.\n\nChannel 1: Yeah.\n\nChannel 0: Just with your income, you noted the last time we spoke, you were on 205,000, but that's dropped down. So you should be earning about a $187,008.76 now. Is that kind of what you're estimating your income should be?\n\nChannel 1: Actually, I'm on. Just one sec. I'll get my last\n\nChannel 0: Yeah.\n\nChannel 1: pay slip because it actually\n\nChannel 0: Yep.\n\nChannel 1: dropped\n\nChannel 0: Perfect.\n\nChannel 1: me down. That'd be $163.03 $5.02.\n\nChannel 0: $3.05 2.\n\nChannel 1: Yep. But it's actually gonna go up in March by 4%. So\n\nChannel 0: I've been mindful of what's that's okay. That's absolutely fine.\n\nChannel 1: just\n\nChannel 0: Are\n\nChannel 1: to mess\n\nChannel 0: you\n\nChannel 1: with\n\nChannel 0: at or\n\nChannel 1: you.\n\nChannel 0: a that's okay. Are you at or able to take a screenshot or email me a copy of that payslip just as a reference?\n\nChannel 1: Yep. I can see\n\nChannel 0: Yeah. That's\n\nChannel 1: that.\n\nChannel 0: okay. Are you I think you were emailing everything through to Maddie or Jordan last time.\n\nChannel 1: Yep.\n\nChannel 0: And\n\nChannel 1: Do\n\nChannel 0: you're\n\nChannel 1: you want\n\nChannel 0: welcome\n\nChannel 1: me to send\n\nChannel 0: to use\n\nChannel 1: to\n\nChannel 0: the\n\nChannel 1: them?\n\nChannel 0: same email.\n\nChannel 1: Or\n\nChannel 0: Yeah. Because\n\nChannel 1: Okay.\n\nChannel 0: they saved everything down for me. That's absolutely fine. I just wanna make sure that we're utilizing all avenues we absolutely can. And I'm,\n\nChannel 1: Yep.\n\nChannel 0: yeah, sorry that they've added that deferred benefit in there for you as well. It does, unfortunately, provide limits, but it's not the end of the world. We can absolutely work with that, and we can, you know, see what else we can do.\n\nChannel 1: Yep.\n\nChannel 0: The only other thing is when we did discuss the insurance side of things, I've gone through and had a really good look at what we can do. I've got some great options there. The only type of insurance cover we didn't sort of touch base on was insurances that are held outside of super. So there is one other type of cover which is called trauma. Having a look at everything, you don't have any option for trauma in any of the other covers that you do hold at the moment.\n\nTrauma is normally paid out of your back pocket and tends to provide, like, a lump sum tax free benefit in the event that you stay diagnosed with cancer, traumatic conditions like Parkinson's or neurological conditions. Did you wanna look at any of those types of insurance that can be held outside of Super, or you're happy just with the loss of TBD and the the income protection policy that you do have at the moment?\n\nChannel 1: Yeah. I think I'm happy with the one\n\nChannel 0: Yep.\n\nChannel 1: I've got tomorrow.\n\nChannel 0: That's okay. Beautiful. Lovely. Well, I've done all the research on the income protection policy with your employer. That is a really great policy too.\n\nI'm really excited\n\nChannel 1: Yeah.\n\nChannel 0: to go through that with you, and I was able to do some really great research there for you on your deferred benefit product as well. So I've\n\nChannel 1: Okay.\n\nChannel 0: got all that ready to go. All I need to do now is go go go back and just reevaluate the contribution side of it, make sure we're working as hard as you know, everything's working as hard as it can towards your goals there. But are you available next week to have your advice document presented to you maybe next Monday about 05:00?\n\nChannel 1: I actually can't on Monday because my\n\nChannel 0: Nope.\n\nChannel 1: mom's going into hospital, and I'm picking mom up on Monday and taking her home and looking after her. So\n\nChannel 0: That's okay.\n\nChannel 1: she's got some surgery. So\n\nChannel 0: Yeah. I'm so sorry to hear that.\n\nChannel 1: that's like it's\n\nChannel 0: Yeah.\n\nChannel 1: knee surgery, replacement knee. So she's\n\nChannel 0: Yeah.\n\nChannel 1: been looking forward to it. But, yeah, I'll\n\nChannel 0: Oh,\n\nChannel 1: have\n\nChannel 0: forward.\n\nChannel 1: to look after her. So I\n\nChannel 0: That's\n\nChannel 1: imagine\n\nChannel 0: okay.\n\nChannel 1: Monday is gonna be hectic, so\n\nChannel 0: That's\n\nChannel 1: later in the week\n\nChannel 0: okay.\n\nChannel 1: might be\n\nChannel 0: That's okay. You normally\n\nChannel 1: better. Yeah.\n\nChannel 0: are preferably available sort of after that 04:00 mark. Is that right? Yep. That's okay. It looks like the rest of the week is a bit tight around that time.\n\nIt's the afternoons are quite popular, but the following Monday, March 9, if you're available, I do have 4PM Queensland time, which for yourself yeah. 04:00. You're in Emu Park. So it'll be 04:00 then or even 04:30 if you're available. Would that suit?\n\nChannel 1: And Ken says another day that week, my grandson's\n\nChannel 0: Yeah.\n\nChannel 1: birthday.\n\nChannel 0: Oh, no.\n\nChannel 1: So\n\nChannel 0: That's okay.\n\nChannel 1: it's\n\nChannel 0: Absolutely.\n\nChannel 1: his first birthday.\n\nChannel 0: That that's okay. That week is completely free, so I could even do the eleventh.\n\nChannel 1: Okay.\n\nChannel 0: I could do at\n\nChannel 1: Eleventh\n\nChannel 0: four, four\n\nChannel 1: would\n\nChannel 0: thirty,\n\nChannel 1: be great.\n\nChannel 0: or 05:00. What time would you prefer on Wednesday?\n\nChannel 1: 04:00 is great.\n\nChannel 0: Yep. Perfect. I'll pop it in there. I'll have the text message reminder there for you as well, and I'll get the\n\nChannel 1: Yep.\n\nChannel 0: girls to email up the just a confirmation for your an advice presentation, and I'll get back into finishing that research for you and have the advice document ready to go. Okay?\n\nChannel 1: Awesome. And I will send you that payslip thing, and I'll try and find what\n\nChannel 0: Wonderful.\n\nChannel 1: the the rate is for the our March increase. I'm I'm sure it's\n\nChannel 0: Yep.\n\nChannel 1: 4%, but I'll send that through\n\nChannel 0: K. That'd be\n\nChannel 1: too.\n\nChannel 0: amazing. Thank you so much for\n\nChannel 1: Cool.\n\nChannel 0: that, Lisa. Do you have any questions for me at the moment? Or\n\nChannel 1: No. No questions\n\nChannel 0: No.\n\nChannel 1: at the moment. Thank you so much.\n\nChannel 0: Oh, my pleasure. Looking forward to going through this with you, and I hope you have a good day. I hope everything goes okay with your mom as well.\n\nChannel 1: Thank you. Talk to you later.\n\nChannel 0: Mhmm. Thanks,\n\nChannel 1: Bye.\n\nChannel 0: Lisa. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.022072190418839455}],"sentiment":"neutral","sentiment_score":0.022072190418839455,"channel":1,"num_words":1,"start":1.1999999,"end":1.6999999},{"sentences":[{"text":"Hi, Lisa.","start":2.6399999,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.09930837154388428},{"text":"This is Dana from Okie Financial.","start":3.1999998,"end":4.74,"sentiment":"neutral","sentiment_score":0.14645900577306747},{"text":"How are you this afternoon?","start":4.88,"end":5.94,"sentiment":"neutral","sentiment_score":0.20187390446662903}],"sentiment":"neutral","sentiment_score":0.16051848461994758,"channel":0,"num_words":13,"start":2.6399999,"end":5.94},{"sentences":[{"text":"Not too bad.","start":6.24,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.2476542443037033},{"text":"How are you?","start":6.8799996,"end":7.7,"sentiment":"neutral","sentiment_score":0.20793157815933228}],"sentiment":"neutral","sentiment_score":0.2277929112315178,"channel":1,"num_words":6,"start":6.24,"end":7.7},{"sentences":[{"text":"I'm very well.","start":7.8399997,"end":8.8,"sentiment":"positive","sentiment_score":0.549340824286143},{"text":"Thank you.","start":8.8,"end":9.2,"sentiment":"positive","sentiment_score":0.7006775736808777},{"text":"I had you booked in for a really quick catch up this afternoon.","start":9.2,"end":11.599999,"sentiment":"positive","sentiment_score":0.425428936114678},{"text":"Is now still a good time for you?","start":11.599999,"end":13.38,"sentiment":"neutral","sentiment_score":0.33268405869603157}],"sentiment":"positive","sentiment_score":0.43236254843381733,"channel":0,"num_words":26,"start":7.8399997,"end":13.38},{"sentences":[{"text":"Yep.","start":14.0,"end":14.5,"sentiment":"neutral","sentiment_score":0.06889048963785172},{"text":"No","start":14.535,"end":14.934999,"sentiment":"neutral","sentiment_score":0.040220990777015686}],"sentiment":"neutral","sentiment_score":0.0545557402074337,"channel":1,"num_words":2,"start":14.0,"end":14.934999},{"sentences":[{"text":"Yeah.","start":14.845,"end":15.165,"sentiment":"neutral","sentiment_score":0.026590783149003983}],"sentiment":"neutral","sentiment_score":0.026590783149003983,"channel":0,"num_words":1,"start":14.845,"end":15.165},{"sentences":[{"text":"worries.","start":14.934999,"end":15.434999,"sentiment":"neutral","sentiment_score":0.06486095488071442}],"sentiment":"neutral","sentiment_score":0.06486095488071442,"channel":1,"num_words":1,"start":14.934999,"end":15.434999},{"sentences":[{"text":"Oh, oh, good.","start":15.165,"end":16.625,"sentiment":"neutral","sentiment_score":0.2052312195301056},{"text":"Before we jump into the call, Lisa, I do need to let you know we do record our calls for quality and training purposes.","start":16.765,"end":21.485,"sentiment":"neutral","sentiment_score":0.06359338636199634},{"text":"Are you happy for me to proceed with that?","start":21.485,"end":23.425,"sentiment":"neutral","sentiment_score":0.10545816355281407}],"sentiment":"neutral","sentiment_score":0.08586273342370987,"channel":0,"num_words":36,"start":15.165,"end":23.425},{"sentences":[{"text":"Yeah.","start":23.335,"end":23.654999,"sentiment":"neutral","sentiment_score":0.08269140124320984},{"text":"No problem at all.","start":23.654999,"end":24.795,"sentiment":"neutral","sentiment_score":0.20363213866949081}],"sentiment":"neutral","sentiment_score":0.17944399118423462,"channel":1,"num_words":5,"start":23.335,"end":24.795},{"sentences":[{"text":"Beautiful.","start":24.925,"end":25.325,"sentiment":"positive","sentiment_score":0.5079091787338257},{"text":"And we do do security whenever we're discussing your personal information.","start":25.325,"end":28.445,"sentiment":"neutral","sentiment_score":0.21345107528296384},{"text":"So I do need to confirm with you just your full name, your date of birth, and address I should have on file for you.","start":28.445,"end":33.18,"sentiment":"neutral","sentiment_score":0.14078917384147643}],"sentiment":"neutral","sentiment_score":0.17231352305090106,"channel":0,"num_words":37,"start":24.925,"end":33.18},{"sentences":[{"text":"Yep.","start":33.329998,"end":33.73,"sentiment":"neutral","sentiment_score":0.060723282396793365},{"text":"Lisa Marie Andrews.","start":33.73,"end":34.69,"sentiment":"neutral","sentiment_score":0.03935560087362925},{"text":"07/23/1978, and you should have crawled by the street in your park.","start":34.69,"end":38.87,"sentiment":"neutral","sentiment_score":0.057625870841244854}],"sentiment":"neutral","sentiment_score":0.05439378344453871,"channel":1,"num_words":16,"start":33.329998,"end":38.87},{"sentences":[{"text":"I do.","start":39.0,"end":39.559998,"sentiment":"neutral","sentiment_score":0.1787862554192543},{"text":"Thank you so much for that.","start":39.559998,"end":41.025,"sentiment":"positive","sentiment_score":0.49060871700445813},{"text":"Lisa, this is just a bit of a two week catch up.","start":41.745003,"end":43.825,"sentiment":"neutral","sentiment_score":0.1157368744413058},{"text":"So over the last two weeks, we've gone back and done all the research we needed to be able to provide","start":43.825,"end":47.905003,"sentiment":"neutral","sentiment_score":0.09354827411118008}],"sentiment":"neutral","sentiment_score":0.16230685518282215,"channel":0,"num_words":41,"start":39.0,"end":47.905003},{"sentences":[{"text":"Okay.","start":47.885,"end":48.385,"sentiment":"neutral","sentiment_score":0.030465656891465187}],"sentiment":"neutral","sentiment_score":0.030465656891465187,"channel":1,"num_words":1,"start":47.885,"end":48.385},{"sentences":[{"text":"the advice for you.","start":47.905003,"end":49.445,"sentiment":"neutral","sentiment_score":0.003690672107040882},{"text":"There was just one little thing that I wanted to look at.","start":49.585,"end":51.985,"sentiment":"neutral","sentiment_score":-0.030298209593941767},{"text":"So just with your employer contribution, so because your income was significantly higher over the past year or so and it's recently just dropping down to that 187,000, it does unfortunately limit the amount of contributions that we're able to utilize to try and help you meet your long term financial goals there.","start":51.985,"end":69.575,"sentiment":"neutral","sentiment_score":-0.056426534394048294},{"text":"What I was wanting to find out was, are you able to if I send you an email, just jump into your myGov account.","start":69.715,"end":75.954994,"sentiment":"neutral","sentiment_score":0.017126967975248892},{"text":"I can send you the directions on how to get your catch up contributions information.","start":75.954994,"end":80.115,"sentiment":"neutral","sentiment_score":0.043425174057483674}],"sentiment":"neutral","sentiment_score":-0.021083308401069156,"channel":0,"num_words":108,"start":47.905003,"end":80.115},{"sentences":[{"text":"Would that be possible?","start":80.115,"end":81.174995,"sentiment":"neutral","sentiment_score":0.03110297373495996}],"sentiment":"neutral","sentiment_score":0.03110297373495996,"channel":0,"num_words":4,"start":80.115,"end":81.174995},{"sentences":[{"text":"Hang on one sec.","start":81.68,"end":82.71999,"sentiment":"neutral","sentiment_score":-0.007468946278095245},{"text":"Yeah.","start":82.71999,"end":82.96,"sentiment":"neutral","sentiment_score":0.002096833661198616},{"text":"I know you have to enter my mic app.","start":82.96,"end":84.64,"sentiment":"neutral","sentiment_score":-0.009956679306924343},{"text":"I was in there earlier today.","start":84.64,"end":85.939995,"sentiment":"neutral","sentiment_score":0.007593904001017411},{"text":"I'll just go in there.","start":87.03999,"end":88.479996,"sentiment":"neutral","sentiment_score":0.012823456712067128}],"sentiment":"neutral","sentiment_score":-0.0003083343058824539,"channel":1,"num_words":25,"start":81.68,"end":88.479996},{"sentences":[{"text":"Just one sec.","start":88.479996,"end":89.46,"sentiment":"neutral","sentiment_score":0.011520710463325182}],"sentiment":"neutral","sentiment_score":0.011520710463325182,"channel":1,"num_words":3,"start":88.479996,"end":89.46},{"sentences":[{"text":"It's amazing how often we use that now.","start":89.48,"end":91.9,"sentiment":"neutral","sentiment_score":0.09521885495632887}],"sentiment":"neutral","sentiment_score":0.09521885495632887,"channel":0,"num_words":8,"start":89.48,"end":91.9},{"sentences":[{"text":"I look after my parents, so I've gotta go in there for the aged care services and up.","start":93.03999,"end":96.855,"sentiment":"neutral","sentiment_score":0.03613105850915114},{"text":"So","start":97.255005,"end":97.755005,"sentiment":"neutral","sentiment_score":0.06972230225801468}],"sentiment":"neutral","sentiment_score":0.03789901870645975,"channel":1,"num_words":19,"start":93.03999,"end":97.755005},{"sentences":[{"text":"Understandable.","start":98.295006,"end":98.795006,"sentiment":"neutral","sentiment_score":0.05152604728937149}],"sentiment":"neutral","sentiment_score":0.05152604728937149,"channel":0,"num_words":1,"start":98.295006,"end":98.795006},{"sentences":[{"text":"okay.","start":99.895004,"end":100.295006,"sentiment":"neutral","sentiment_score":0.023215223103761673},{"text":"So you want me to go into the ATO side?","start":100.295006,"end":102.295006,"sentiment":"neutral","sentiment_score":-0.0006222015246748926},{"text":"Is that where","start":102.295006,"end":102.855,"sentiment":"neutral","sentiment_score":0.0011018582930167515}],"sentiment":"neutral","sentiment_score":0.0014499130525759288,"channel":1,"num_words":14,"start":99.895004,"end":102.855},{"sentences":[{"text":"Yep.","start":102.615005,"end":103.015,"sentiment":"neutral","sentiment_score":0.0034550242125988007}],"sentiment":"neutral","sentiment_score":0.0034550242125988007,"channel":0,"num_words":1,"start":102.615005,"end":103.015},{"sentences":[{"text":"you","start":102.855,"end":102.935005,"sentiment":"neutral","sentiment_score":-0.0010637249797582626}],"sentiment":"neutral","sentiment_score":-0.0010637249797582626,"channel":1,"num_words":1,"start":102.855,"end":102.935005},{"sentences":[{"text":"Yep.","start":103.015,"end":103.515,"sentiment":"neutral","sentiment_score":-0.0015329954912886024}],"sentiment":"neutral","sentiment_score":-0.0015329954912886024,"channel":0,"num_words":1,"start":103.015,"end":103.515},{"sentences":[{"text":"no.","start":103.495,"end":103.735,"sentiment":"neutral","sentiment_score":-0.019440989941358566}],"sentiment":"neutral","sentiment_score":-0.019440989941358566,"channel":1,"num_words":1,"start":103.495,"end":103.735},{"sentences":[{"text":"Yep.","start":103.575005,"end":104.075005,"sentiment":"neutral","sentiment_score":-0.006174119189381599}],"sentiment":"neutral","sentiment_score":-0.006174119189381599,"channel":0,"num_words":1,"start":103.575005,"end":104.075005},{"sentences":[{"text":"Slowly thinking about it.","start":109.175,"end":110.82,"sentiment":"neutral","sentiment_score":-0.004768816288560629}],"sentiment":"neutral","sentiment_score":-0.004768816288560629,"channel":1,"num_words":4,"start":109.175,"end":110.82},{"sentences":[{"text":"Yeah.","start":111.11,"end":111.43,"sentiment":"neutral","sentiment_score":0.04294057935476303},{"text":"That's okay.","start":111.43,"end":112.33,"sentiment":"neutral","sentiment_score":0.062098585069179535}],"sentiment":"neutral","sentiment_score":0.05571258316437403,"channel":0,"num_words":3,"start":111.11,"end":112.33},{"sentences":[{"text":"Okay.","start":113.14,"end":113.54,"sentiment":"neutral","sentiment_score":0.07240618765354156},{"text":"So and they managed to oh, what do you need?","start":113.54,"end":116.74,"sentiment":"neutral","sentiment_score":0.10803744494915009},{"text":"The super account?","start":116.74,"end":117.72,"sentiment":"neutral","sentiment_score":0.07834423581759135}],"sentiment":"neutral","sentiment_score":0.09912952461412974,"channel":1,"num_words":14,"start":113.14,"end":117.72},{"sentences":[{"text":"So go into super from there.","start":117.83,"end":119.350006,"sentiment":"neutral","sentiment_score":0.05325640613834063},{"text":"Yep.","start":119.350006,"end":119.850006,"sentiment":"neutral","sentiment_score":0.14715144038200378}],"sentiment":"neutral","sentiment_score":0.06666998245886394,"channel":0,"num_words":7,"start":117.83,"end":119.850006},{"sentences":[{"text":"Yeah.","start":121.3,"end":121.8,"sentiment":"neutral","sentiment_score":0.1369962841272354}],"sentiment":"neutral","sentiment_score":0.1369962841272354,"channel":1,"num_words":1,"start":121.3,"end":121.8},{"sentences":[{"text":"And then you'll have another sort of drop down box there, and it should give you an option for catch up concessional 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moment.","start":647.46,"end":647.94,"sentiment":"neutral","sentiment_score":-0.026960723102092743},{"text":"Thank you so much.","start":647.94,"end":648.80096,"sentiment":"positive","sentiment_score":0.453417606651783}],"sentiment":"neutral","sentiment_score":0.24754117961440766,"channel":1,"num_words":7,"start":647.46,"end":648.80096},{"sentences":[{"text":"Oh, my pleasure.","start":648.62,"end":649.89996,"sentiment":"neutral","sentiment_score":0.31467505792776745},{"text":"Looking forward to going through this with you, and I hope you have a good day.","start":649.89996,"end":652.62,"sentiment":"positive","sentiment_score":0.7887734957039356},{"text":"I hope everything goes okay with your mom as well.","start":652.62,"end":654.95996,"sentiment":"positive","sentiment_score":0.7653135597705841}],"sentiment":"positive","sentiment_score":0.7316391966466246,"channel":0,"num_words":29,"start":648.62,"end":654.95996},{"sentences":[{"text":"Thank you.","start":655.04095,"end":655.60095,"sentiment":"positive","sentiment_score":0.781534731388092},{"text":"Talk to you later.","start":655.60095,"end":656.581,"sentiment":"positive","sentiment_score":0.4594716727733612}],"sentiment":"positive","sentiment_score":0.5668260256449381,"channel":1,"num_words":6,"start":655.04095,"end":656.581},{"sentences":[{"text":"Mhmm.","start":656.38,"end":656.62,"sentiment":"neutral","sentiment_score":0.13240809738636017},{"text":"Thanks,","start":656.62,"end":657.1,"sentiment":"positive","sentiment_score":0.47988685965538025}],"sentiment":"neutral","sentiment_score":0.3061474785208702,"channel":0,"num_words":2,"start":656.38,"end":657.1},{"sentences":[{"text":"Bye.","start":656.641,"end":657.141,"sentiment":"positive","sentiment_score":0.4388419091701507}],"sentiment":"positive","sentiment_score":0.4388419091701507,"channel":1,"num_words":1,"start":656.641,"end":657.141},{"sentences":[{"text":"Lisa.","start":657.1,"end":657.33997,"sentiment":"positive","sentiment_score":0.3592343330383301},{"text":"See you later.","start":657.33997,"end":657.98,"sentiment":"positive","sentiment_score":0.3690970838069916},{"text":"Bye.","start":657.98,"end":658.48,"sentiment":"neutral","sentiment_score":-0.12129885703325272}],"sentiment":"neutral","sentiment_score":0.2690453454852104,"channel":0,"num_words":5,"start":657.1,"end":658.48}]},"summary":{"result":"success","short":"Lisa receives a call from Okie Financial and is guided through the process of accessing her ATO account and financial year report. The agent explains that they are restricted from using any catch-up contributions due to super balances and provides information on her income and coverage options. They also discuss a deferred benefit policy and offer insurance coverage options. The speaker provides a quote for a trauma insurance policy and schedules a meeting to review and provide advice on the policy."},"intents":{"segments":[{"text":"What I was wanting to find out was, are you able to if I send you an email, just jump into your myGov account. I can send you the directions on how to get your catch up contributions information. Would that be possible?","start_word":255,"end_word":297,"intents":[{"intent":"Offer guidance","confidence_score":0.00003786243}]},{"text":"So and they managed to oh, what do you need? The super account?","start_word":381,"end_word":393,"intents":[{"intent":"Obtain super account","confidence_score":0.011551644}]},{"text":"So and they managed to oh, what do you need? The super account? So go into super from there. Yep. Yeah. And then you'll have another sort of drop down box there, and it should give you an option for catch up concessional contributions. I'm just logging in to mine No? as well because I always it always changes on us. Love how this Yeah.","start_word":381,"end_word":445,"intents":[{"intent":"Offer assistance","confidence_score":0.00002400458}]},{"text":"And then you'll have another sort of drop down box there, and it should give you an option for catch up concessional contributions.","start_word":402,"end_word":424,"intents":[{"intent":"Obtain concessional contributions","confidence_score":0.0065907706}]},{"text":"Now it should give you the total. So it'll say at the very top there that you're eligible due to your current super balance as of the June 1, and then it will give you your total catch up contributions there. Is that what you're looking at? Okay.","start_word":563,"end_word":610,"intents":[{"intent":"Verify eligibility","confidence_score":0.028113905},{"intent":"Provide total","confidence_score":0.043205764}]},{"text":"So it's not gonna let us because it's counting the balance in the defined benefit as well. That's interesting. Yeah.","start_word":639,"end_word":658,"intents":[{"intent":"Clarify balance","confidence_score":0.013277145}]},{"text":"So underneath that, it should tell you the description for your total contributions that you have available. Can you see that for this financial year at all?","start_word":805,"end_word":831,"intents":[{"intent":"Manage contributions","confidence_score":0.005749617}]},{"text":"It won't let us use it anyway. No. Yep.","start_word":1102,"end_word":1110,"intents":[{"intent":"Confirm usage of financial information","confidence_score":0.000042494994}]},{"text":"The only other thing is when we did discuss the insurance side of things, I've gone through and had a really good look at what we can do. I've got some great options there. The only type of insurance cover we didn't sort of touch base on was insurances that are held outside of super.","start_word":1413,"end_word":1467,"intents":[{"intent":"Assess insurance options","confidence_score":0.0034920261}]},{"text":"You're in Emu Park. So it'll be 04:00 then or even 04:30 if you're available. Would that suit?","start_word":1864,"end_word":1881,"intents":[{"intent":"Schedule appointment","confidence_score":0.5291048}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Lisa. This is Dana from Okie Financial. How are you this afternoon? Not too bad. How are you?","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.16758504509925842},{"text":"I'm very well. Thank you. I had you booked in for a really quick catch up this afternoon.","start_word":20,"end_word":37,"sentiment":"positive","sentiment_score":0.4843311011791229},{"text":"Is now still a good time for you? Yep. No Yeah. worries. Oh, oh, good. Before we jump into the call, Lisa, I do need to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. No problem at all.","start_word":38,"end_word":90,"sentiment":"neutral","sentiment_score":0.13637791574001312},{"text":"Beautiful.","start_word":91,"end_word":91,"sentiment":"positive","sentiment_score":0.5079091787338257},{"text":"And we do do security whenever we're discussing your personal information. So I do need to confirm with you just your full name, your date of birth, and address I should have on file for you. Yep. Lisa Marie Andrews. 07/23/1978, and you should have crawled by the street in your park. I do.","start_word":92,"end_word":145,"sentiment":"neutral","sentiment_score":0.12001702189445496},{"text":"Thank you so much for that.","start_word":146,"end_word":151,"sentiment":"positive","sentiment_score":0.4914482831954956},{"text":"Lisa, this is just a bit of a two week catch up. So over the last two weeks, we've gone back and done all the research we needed to be able to provide Okay. the advice for you. There was just one little thing that I wanted to look at. So just with your employer contribution, so because your income was significantly higher over the past year or so and it's recently just dropping down to that 187,000, it does unfortunately limit the amount of contributions that we're able to utilize to try and help you meet your long term financial goals there. What I was wanting to find out was, are you able to if I send you an email, just jump into your myGov account. I can send you the directions on how to get your catch up contributions information. Would that be possible? Hang on one sec. Yeah. I know you have to enter my mic app. I was in there earlier today. I'll just go in there. Just one sec. It's amazing how often we use that now. I look after my parents, so I've gotta go in there for the aged care services and up. So Understandable. okay. So you want me to go into the ATO side? Is that Yep. where you Yep. no. Yep. Slowly thinking about it. Yeah. That's okay. Okay. So and they managed to oh, what do you need? The super account? So go into super from there. Yep. Yeah. And then you'll have another sort of drop down box there, and it should give you an option for catch up concessional contributions. I'm just logging in to mine No? as well because I always it always changes on us.","start_word":152,"end_word":441,"sentiment":"neutral","sentiment_score":0.029460921010066723},{"text":"Love how this Yeah.","start_word":442,"end_word":445,"sentiment":"positive","sentiment_score":0.371788889169693},{"text":"So if I go in so when you got the drop down box there, what are the options it's giving you? Just like this I'm just sorry. I just jumped into somewhere else. Concessional That's contributions. okay. Is that Yep. should I go into where it says That's concessional contributions yep. or That's non the one. concessional Perfect. Yep. or carry forward? Which one? There's three. No. The That's concessional? okay. You should you you've got Carrie Ford? There's concessional contributions, carry forward Yep. concessional contributions, or nonconcession? Have it Contribution. if you go up into the Carrie Ford contributions. Okay. I shall jump in there. Yeah.","start_word":446,"end_word":552,"sentiment":"neutral","sentiment_score":0.020876461640000343},{"text":"Beautiful.","start_word":553,"end_word":553,"sentiment":"positive","sentiment_score":0.4433332979679108},{"text":"Okay. So you're wanting as at June 2025? Yes. Now it should give you the total. So it'll say at the very top there that you're eligible due to your current super balance as of the June 1, and then it will give you your total catch up contributions there. Is that what you're looking at? Okay. So it says the eligibility to carry forward the unused concession has not been met as the total superannuation balance is 500,000 or more at the June. Okay. So it's not gonna let us because it's counting the balance in the defined benefit as well. That's interesting. Yeah. It does, unfortunately, mean it's really interesting. I don't know why it's doing that because, realistically, the balance in your deferred benefit is just an estimate of balance. It's not actually, you know, the total balance. But because they've obviously reported that, they're not gonna allow us to use any catch up or past contributions from like, that your employer hasn't utilized. So it does mean that we are limited, but that's okay. I will just look at what we have available there. Are you Yep. able to when you sort of look below that, sir, I'm just having a look at mine as well as I go through this because it my job's always fun to deal with. At the underneath that, you've got the financial year 2526. Yep. Yep. And then If it you says go current. down below Is that Yep. yep. Yeah. So underneath that, it should tell you the description for your total contributions that you have available. Can you see that for this financial year at all? Yep. So it says current as of the 02/12/2026. It says unused Yep.","start_word":554,"end_word":844,"sentiment":"neutral","sentiment_score":-0.018962169814970075},{"text":"concessional contributions available to carry forward, and it's got a big red thing not eligible.","start_word":845,"end_word":859,"sentiment":"negative","sentiment_score":-0.3617564141750336},{"text":"$31.07 $4.01 $7.04 $0.51. And it Okay. says not eligible to carry forward unused concessional contributions because the total separation is 500,000 or more at the June. And then blah blah blah. Description concessional contributions amount 105759Dot49. And then Yep. it's got the unused bid again. Yeah. Yeah. We're just looking to see what the unused is for this financial year. Underneath that, does it tell you have all the in it should say the first financial year, and it should say concessional contributions cap of 30,000, and then it should tell you how many concessional contributions you've got underneath that. Can you see that box if you scroll down? Yeah. So this has Seven. this has twenty twenty five, twenty six financial year description, total carry forward, concessional contributions cap is amount is $1.03 $7,500. And Seven then five underneath 100. that, it says description contributions concessional amount $1.00 $5.07 $5.9.49. Yeah. That's the total. It's essentially allowing that we could use if we if we were able to, but because your super balance is a bit high, it's not not letting us do so. Yep. And That then is it's got that unused concessional contributions cap available to carry forward $31.07 $4.00 dot $5.01. no. That's okay.","start_word":860,"end_word":1068,"sentiment":"neutral","sentiment_score":-0.0545130215193096},{"text":"Letting us get anything further, unfortunately. Nope. That's all it's got, and then it's got the information for all the other financial years, which I'm pretty sure you don't want. No. That's okay. It won't let us use it anyway.","start_word":1069,"end_word":1108,"sentiment":"negative","sentiment_score":-0.40153348445892334},{"text":"No. Yep. That's okay.","start_word":1109,"end_word":1112,"sentiment":"neutral","sentiment_score":0.06810231506824493},{"text":"That's absolutely fine.","start_word":1113,"end_word":1115,"sentiment":"positive","sentiment_score":0.38151663541793823},{"text":"I wanted to double check that because, obviously, with your income, it is quite high. So your contributions are fairly high as well. So it does, unfortunately, give us a bit of a limit as to what we can do. However, Okay.","start_word":1116,"end_word":1157,"sentiment":"neutral","sentiment_score":-0.10920677334070206},{"text":"that is absolutely okay. You can leave it with me, and I can absolutely work on it for you.","start_word":1158,"end_word":1176,"sentiment":"positive","sentiment_score":0.5370217561721802},{"text":"Yeah. Just with your income, you noted the last time we spoke, you were on 205,000, but that's dropped down. So you should be earning about a $187,008.76 now. Is that kind of what you're estimating your income should be? Actually, I'm on. Just one sec. I'll get my last Yeah. pay slip because it actually Yep. dropped Perfect. me down. That'd be $163.03 $5.02. $3.05 2. Yep. But it's actually gonna go up in March by 4%. So I've been mindful of what's that's okay. That's absolutely fine. just Are to mess you with at or you. a that's okay. Are you at or able to take a screenshot or email me a copy of that payslip just as a reference? Yep. I can see Yeah. That's that. okay. Are you I think you were emailing everything through to Maddie or Jordan last time. Yep. And Do you're you want welcome me to send to use to the them? same email. Or Yeah. Because Okay.","start_word":1177,"end_word":1342,"sentiment":"neutral","sentiment_score":0.05801858380436897},{"text":"they saved everything down for me. That's absolutely fine. I just wanna make sure that we're utilizing all avenues we absolutely can.","start_word":1343,"end_word":1364,"sentiment":"positive","sentiment_score":0.3989185690879822},{"text":"And I'm, Yep. yeah, sorry that they've added that deferred benefit in there for you as well. It does, unfortunately, provide limits, but it's not the end of the world. We can absolutely work with that, and we can, you know, see what else we can do. Yep. The only other thing is when we did discuss the insurance side of things, I've gone through and had a really good look at what we can do.","start_word":1365,"end_word":1440,"sentiment":"neutral","sentiment_score":-0.02425380889326334},{"text":"I've got some great options there.","start_word":1441,"end_word":1446,"sentiment":"positive","sentiment_score":0.36678406596183777},{"text":"The only type of insurance cover we didn't sort of touch base on was insurances that are held outside of super. So there is one other type of cover which is called trauma. Having a look at everything, you don't have any option for trauma in any of the other covers that you do hold at the moment. Trauma is normally paid out of your back pocket and tends to provide, like, a lump sum tax free benefit in the event that you stay diagnosed with cancer, traumatic conditions like Parkinson's or neurological conditions. Did you wanna look at any of those types of insurance that can be held outside of Super, or you're happy just with the loss of TBD and the the income protection policy that you do have at the moment? Yeah. I think I'm happy with the one Yep. I've got tomorrow. That's okay.","start_word":1447,"end_word":1594,"sentiment":"neutral","sentiment_score":0.017480386421084404},{"text":"Beautiful. Lovely. Well, I've done all the research on the income protection policy with your employer. That is a really great policy too. I'm really excited Yeah.","start_word":1595,"end_word":1621,"sentiment":"positive","sentiment_score":0.4521609842777252},{"text":"to go through that with you, and I was able to do some really great research there for you on your deferred benefit product as well. So I've Okay. got all that ready to go. All I need to do now is go go go back and just reevaluate the contribution side of it, make sure we're working as hard as you know, everything's working as hard as it can towards your goals there. But are you available next week to have your advice document presented to you maybe next Monday about 05:00? I actually can't on Monday because my Nope. mom's going into hospital, and I'm picking mom up on Monday and taking her home and looking after her. So That's okay. she's got some surgery. So Yeah.","start_word":1622,"end_word":1750,"sentiment":"neutral","sentiment_score":0.06782221794128418},{"text":"I'm so sorry to hear that.","start_word":1751,"end_word":1756,"sentiment":"negative","sentiment_score":-0.41384321451187134},{"text":"that's like it's Yeah. knee surgery, replacement knee. So she's Yeah. been looking forward to it. But, yeah, I'll Oh, have forward. to look after her. So I That's imagine okay. Monday is gonna be hectic, so That's later in the week okay. might be That's okay. You normally better. Yeah. are preferably available sort of after that 04:00 mark. Is that right? Yep. That's okay. It looks like the rest of the week is a bit tight around that time. It's the afternoons are quite popular, but the following Monday, March 9, if you're available, I do have 4PM Queensland time, which for yourself yeah. 04:00. You're in Emu Park. So it'll be 04:00 then or even 04:30 if you're available. Would that suit? And Ken says another day that week, my grandson's Yeah. birthday. Oh, no. So That's okay. it's Absolutely. his first birthday. That that's okay. That week is completely free, so I could even do the eleventh. Okay. I could do at Eleventh four, four would thirty, be great. or 05:00. What time would you prefer on Wednesday?","start_word":1757,"end_word":1938,"sentiment":"neutral","sentiment_score":0.06098300591111183},{"text":"04:00 is great. Yep. Perfect. I'll pop it in there. I'll have the text message reminder there for you as well, and I'll get the Yep. girls to email up the just a confirmation for your an advice presentation, and I'll get back into finishing that research for you and have the advice document ready to go.","start_word":1939,"end_word":1995,"sentiment":"positive","sentiment_score":0.41355934739112854},{"text":"Okay?","start_word":1996,"end_word":1996,"sentiment":"neutral","sentiment_score":0.29641038179397583},{"text":"Awesome. And I will send you that payslip thing, and I'll try and find Wonderful.","start_word":1997,"end_word":2011,"sentiment":"positive","sentiment_score":0.5297465920448303},{"text":"what the the rate is for the our March increase. I'm I'm sure it's Yep. 4%, but I'll send that through K. That'd be too.","start_word":2012,"end_word":2036,"sentiment":"neutral","sentiment_score":0.0715227797627449},{"text":"amazing. Thank you so much for Cool. that, Lisa.","start_word":2037,"end_word":2045,"sentiment":"positive","sentiment_score":0.5486865639686584},{"text":"Do you have any questions for me at the moment? Or No. No questions No. at the moment.","start_word":2046,"end_word":2063,"sentiment":"neutral","sentiment_score":0.031165242195129395},{"text":"Thank you so much. Oh, my pleasure. Looking forward to going through this with you, and I hope you have a good day. I hope everything goes okay with your mom as well. Thank you. Talk to you later.","start_word":2064,"end_word":2102,"sentiment":"positive","sentiment_score":0.6713665165962317},{"text":"Mhmm.","start_word":2103,"end_word":2103,"sentiment":"neutral","sentiment_score":0.13240809738636017},{"text":"Thanks, Bye. Lisa. See you later.","start_word":2104,"end_word":2109,"sentiment":"positive","sentiment_score":0.403270959854126},{"text":"Bye.","start_word":2110,"end_word":2110,"sentiment":"neutral","sentiment_score":0.19375452399253845}],"average":{"sentiment":"neutral","sentiment_score":0.057955742200533865}}}}