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I have just a question for you or some questions in regards to the best way to set up a bond for this client, whether that is through child bonds or whether it is the life builder bond for the dad and then with the kids as, like, the beneficiary over it. Yes. So mom and dad currently have the money in a personal investment account that they wanna change because they are getting a divorce. So it's going through the so, essentially, it's the dad's money, but it's for the purpose of the kids. So child bond is great because, obviously, it just needs to be for the purpose of the kids, essentially. The the kind of sticky point is that he obviously wanna make sure he has control over it to change investments and everything, which he would. But the biggest thing is child support that he's concerned about because, like, well, if it's in my name because he likes the idea of, well, they can choose what they want to do when they take over, whether they'll continue the bond. They doesn't have to be vested at a certain age. So he does like that. But then the the concern is from child support for how that would impact the two options. So he's basically, well, my ex wife's trying to get everything out of me, and this isn't my money. It's for the kids. Mhmm. Okay. Yes. Mhmm. Okay. Yep. Mhmm. Yep. Because the, yeah, because the mom would know because the IDPS is currently both of that nine and then yes. Yes. He doesn't want he doesn't want that because that's the problem that with the IDPS. He wants zero involvement with her at all. All the money in the the bond is from his inheritance from his family, and he is doing all the contributions for it. So he wants her to have nothing. Yes. Yes. Yes. Yeah. And mhmm. Mhmm. Yeah. Because with it But would that also then mean so obviously, from the mom needs to sign off on these documents as part of the court order to make sure she's happy with advice. So on the flip side, if it's a just a life builder bond for the dad going through the kids, that he has control. Like, he could technically change it whenever he wants. Right? Yes. Yes. Yes. Yes. Yes. Yes. Yes. Six and eight. Yeah. That's six and eight. Mhmm. Yes. Yes. Yeah. Yes. And okay. Yes. And it and it wouldn't start the time frame Okay. So yes. Yeah. Yes. Yes. Okay. So yeah. And if it's in the kid's name, even though he's the owner, that wouldn't impact the child support. Do you know? Okay. Yeah. That'd be great. That'd be good because I am booked in to talk to this guy next week. So that'll be great. Yep. Four one six. Yep. Nine four zero. Yep. 041. And it was Jo Baker, did you say? Beautiful. Yes. Perfect. I will give her a call and and see see because I was like, oh, yeah. Don't know. Because to me, just I was like, oh, well, if it's in the kid's name and he doesn't do it, it's not like his asset even though he set it up, then it might not. Do you know? Yeah. Yes. Yeah. Yes. Mhmm. Mhmm. Yep. Yep. Yep. Okay. Perfect. Yes. Yes. Yep. Okay. Perfect. Yeah. I will give Joe a call and see in regards to the child support because I was like, actually don't know that one. Yeah. Yes. Yes. Like, if the ex wife wasn't involved and all the stipulations that she has, then life builder would I would normally do with just the future event transfer, like you said, because that seems you know? But she needs to she seems to be quite difficult as well, and I don't think she would like the fact that he has more controls that you'd be like, no. This is the kids. Otherwise, I'm not signing off on this kind of thing. That's certainly kind of dilemma. But I shall yes. So I was like, what what works best in this instance? But I would give Joe a call and, yeah, do some more research there. Thank you so much, otherwise. Mhmm. No worries. We'll speak soon. Okay. 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morning, Mel. It's Veronica from Nextiva Financial. How are you? I'm good. Thank you.\n\nI have just a question for you or some questions in regards to the best way to set up a bond for this client, whether that is through child bonds or whether it is the life builder bond for the dad and then with the kids as, like, the beneficiary over it. Yes. So mom and dad currently have the money in a personal investment account that they wanna change because they are getting a divorce. So it's going through the so, essentially, it's the dad's money, but it's for the purpose of the kids. So child bond is great because, obviously, it just needs to be for the purpose of the kids, essentially.\n\nThe the kind of sticky point is that he obviously wanna make sure he has control over it to change investments and everything, which he would. But the biggest thing is child support that he's concerned about because, like, well, if it's in my name because he likes the idea of, well, they can choose what they want to do when they take over, whether they'll continue the bond. They doesn't have to be vested at a certain age. So he does like that. But then the the concern is from child support for how that would impact the two options.\n\nSo he's basically, well, my ex wife's trying to get everything out of me, and this isn't my money. It's for the kids. Mhmm. Okay. Yes.\n\nMhmm. Okay. Yep. Mhmm. Yep.\n\nBecause the, yeah, because the mom would know because the IDPS is currently both of that nine and then yes. Yes. He doesn't want he doesn't want that because that's the problem that with the IDPS. He wants zero involvement with her at all. All the money in the the bond is from his inheritance from his family, and he is doing all the contributions for it.\n\nSo he wants her to have nothing. Yes. Yes. Yes. Yeah.\n\nAnd mhmm. Mhmm. Yeah. Because with it But would that also then mean so obviously, from the mom needs to sign off on these documents as part of the court order to make sure she's happy with advice. So on the flip side, if it's a just a life builder bond for the dad going through the kids, that he has control.\n\nLike, he could technically change it whenever he wants. Right? Yes. Yes. Yes.\n\nYes. Yes. Yes. Yes. Six and eight.\n\nYeah. That's six and eight. Mhmm. Yes. Yes.\n\nYeah. Yes. And okay. Yes. And it and it wouldn't start the time frame Okay.\n\nSo yes. Yeah. Yes. Yes. Okay.\n\nSo yeah. And if it's in the kid's name, even though he's the owner, that wouldn't impact the child support. Do you know? Okay. Yeah.\n\nThat'd be great. That'd be good because I am booked in to talk to this guy next week. So that'll be great. Yep. Four one six.\n\nYep. Nine four zero. Yep. 041. And it was Jo Baker, did you say?\n\nBeautiful. Yes. Perfect. I will give her a call and and see see because I was like, oh, yeah. Don't know.\n\nBecause to me, just I was like, oh, well, if it's in the kid's name and he doesn't do it, it's not like his asset even though he set it up, then it might not. Do you know? Yeah. Yes. Yeah.\n\nYes. Mhmm. Mhmm. Yep. Yep.\n\nYep. Okay. Perfect. Yes. Yes.\n\nYep. Okay. Perfect. Yeah. I will give Joe a call and see in regards to the child support because I was like, actually don't know that one.\n\nYeah. Yes. Yes. Like, if the ex wife wasn't involved and all the stipulations that she has, then life builder would I would normally do with just the future event transfer, like you said, because that seems you know? But she needs to she seems to be quite difficult as well, and I don't think she would like the fact that he has more controls that you'd be like, no.\n\nThis is the kids. Otherwise, I'm not signing off on this kind of thing. That's certainly kind of dilemma. But I shall yes. So I was like, what what works best in this instance?\n\nBut I would give Joe a call and, yeah, do some more research there. Thank you so much, otherwise. Mhmm. No worries. We'll speak soon.\n\nOkay. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Mel.","start":6.08,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.19705531497796377},{"text":"It's Veronica from Nextiva Financial.","start":6.8799996,"end":8.66,"sentiment":"neutral","sentiment_score":0.16485623121261597},{"text":"How are you?","start":8.72,"end":9.62,"sentiment":"neutral","sentiment_score":0.08459093918402989},{"text":"I'm good.","start":12.08,"end":12.88,"sentiment":"positive","sentiment_score":0.5355374664068222},{"text":"Thank you.","start":12.88,"end":13.7,"sentiment":"positive","sentiment_score":0.6760897040367126}],"sentiment":"neutral","sentiment_score":0.272831617295742,"num_words":15,"start":6.08,"end":13.7},{"sentences":[{"text":"I have just a question for you or some questions in regards to the best way to set up a bond for this client, whether that is through child bonds or whether it is the life builder bond for the dad and then with the kids as, like, the beneficiary over it.","start":16.975,"end":37.38,"sentiment":"neutral","sentiment_score":0.04116907088945691},{"text":"Yes.","start":41.760002,"end":42.260002,"sentiment":"neutral","sentiment_score":0.011568018235266209},{"text":"So mom and dad currently have the money in a personal investment account that they wanna change because they are getting a divorce.","start":42.635,"end":52.735,"sentiment":"neutral","sentiment_score":-0.014078158075394838},{"text":"So it's going through the so, essentially, it's the dad's money, but it's for the purpose of the kids.","start":53.995,"end":62.1,"sentiment":"neutral","sentiment_score":0.00810999509045168},{"text":"So child bond is great because, obviously, it just needs to be for the purpose of the kids, essentially.","start":62.8,"end":68.74,"sentiment":"positive","sentiment_score":0.35848966280096456}],"sentiment":"neutral","sentiment_score":0.07713996112885836,"num_words":114,"start":16.975,"end":68.74},{"sentences":[{"text":"The the kind of sticky point is that he obviously wanna make sure he has control over it to change investments and everything, which he would.","start":68.995,"end":77.255,"sentiment":"neutral","sentiment_score":0.14344901906756255},{"text":"But the biggest thing is child support that he's concerned about because, like, well, if it's in my name because he likes the idea of, well, they can choose what they want to do when they take over, whether they'll continue the bond.","start":77.795,"end":92.81,"sentiment":"neutral","sentiment_score":0.007546217326984503},{"text":"They doesn't have to be vested at a certain age.","start":92.81,"end":95.354996,"sentiment":"neutral","sentiment_score":-0.005945896171033383},{"text":"So he does like that.","start":95.354996,"end":97.135,"sentiment":"neutral","sentiment_score":0.0752619918435812},{"text":"But then the the concern is from child support for how that would impact the two 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kids.","start":110.68,"end":111.899994,"sentiment":"neutral","sentiment_score":-0.21723486855626106},{"text":"Mhmm.","start":120.909996,"end":121.159996,"sentiment":"neutral","sentiment_score":0.016069719567894936},{"text":"Okay.","start":121.159996,"end":121.659996,"sentiment":"neutral","sentiment_score":0.03466799855232239},{"text":"Yes.","start":123.88,"end":124.275,"sentiment":"neutral","sentiment_score":0.0684497207403183}],"sentiment":"neutral","sentiment_score":-0.2934557803405019,"num_words":26,"start":105.115,"end":124.275},{"sentences":[{"text":"Mhmm.","start":132.195,"end":132.695,"sentiment":"neutral","sentiment_score":-0.004655301570892334},{"text":"Okay.","start":141.64,"end":142.14,"sentiment":"neutral","sentiment_score":-0.004877820611000061},{"text":"Yep.","start":142.2,"end":142.7,"sentiment":"neutral","sentiment_score":0.02865951880812645},{"text":"Mhmm.","start":151.64,"end":152.14,"sentiment":"neutral","sentiment_score":8.643139153718948e-6},{"text":"Yep.","start":157.965,"end":158.465,"sentiment":"neutral","sentiment_score":0.02313554286956787}],"sentiment":"neutral","sentiment_score":0.008454116526991129,"num_words":5,"start":132.195,"end":158.465},{"sentences":[{"text":"Because the, yeah, because the mom would know because the IDPS is currently both of that nine and then yes.","start":164.765,"end":174.73,"sentiment":"neutral","sentiment_score":0.07962571163661777},{"text":"Yes.","start":177.10999,"end":177.60999,"sentiment":"positive","sentiment_score":0.3939670920372009},{"text":"He doesn't want he doesn't want that because that's the problem that with the IDPS.","start":192.895,"end":198.6,"sentiment":"negative","sentiment_score":-0.40975435773531593},{"text":"He wants zero involvement with her at all.","start":198.82,"end":201.64,"sentiment":"neutral","sentiment_score":-0.289096349850297},{"text":"All the money in the the bond is from his inheritance from his family, and he is doing all the contributions for it.","start":201.78,"end":208.90001,"sentiment":"neutral","sentiment_score":0.03360357257011144}],"sentiment":"neutral","sentiment_score":-0.08507048762611934,"num_words":67,"start":164.765,"end":208.90001},{"sentences":[{"text":"So he wants her to have nothing.","start":208.90001,"end":210.84,"sentiment":"neutral","sentiment_score":0.11015202637229647},{"text":"Yes.","start":214.145,"end":214.645,"sentiment":"neutral","sentiment_score":0.159054696559906},{"text":"Yes.","start":220.625,"end":221.125,"sentiment":"neutral","sentiment_score":0.09213396906852722},{"text":"Yes.","start":223.505,"end":224.005,"sentiment":"neutral","sentiment_score":0.13001680374145508},{"text":"Yeah.","start":231.87999,"end":232.37999,"sentiment":"neutral","sentiment_score":0.052798300981521606}],"sentiment":"neutral","sentiment_score":0.10955163226886229,"num_words":11,"start":208.90001,"end":232.37999},{"sentences":[{"text":"And mhmm.","start":232.59999,"end":235.90999,"sentiment":"neutral","sentiment_score":-0.008448388893157244},{"text":"Mhmm.","start":242.105,"end":242.605,"sentiment":"neutral","sentiment_score":0.01022903434932232},{"text":"Yeah.","start":248.185,"end":248.685,"sentiment":"neutral","sentiment_score":0.0959482416510582},{"text":"Because with it But would that also then mean so obviously, from the mom needs to sign off on these documents as part of the court order to make sure she's happy with advice.","start":249.90001,"end":263.715,"sentiment":"neutral","sentiment_score":0.17210704789442174},{"text":"So on the flip side, if it's a just a life builder bond for the dad going through the kids, that he has control.","start":264.975,"end":274.095,"sentiment":"neutral","sentiment_score":0.08397392742335796}],"sentiment":"neutral","sentiment_score":0.1283273287868548,"num_words":62,"start":232.59999,"end":274.095},{"sentences":[{"text":"Like, he could technically change it whenever he wants.","start":274.095,"end":278.53,"sentiment":"neutral","sentiment_score":0.09065439883205625},{"text":"Right?","start":278.91,"end":279.41,"sentiment":"neutral","sentiment_score":0.04447869956493378},{"text":"Yes.","start":283.63,"end":284.13,"sentiment":"neutral","sentiment_score":0.07986551523208618},{"text":"Yes.","start":294.495,"end":294.995,"sentiment":"neutral","sentiment_score":0.17934605479240415},{"text":"Yes.","start":298.095,"end":298.595,"sentiment":"neutral","sentiment_score":0.13910475373268127}],"sentiment":"neutral","sentiment_score":0.09682189329312398,"num_words":13,"start":274.095,"end":298.595},{"sentences":[{"text":"Yes.","start":299.77502,"end":299.935,"sentiment":"neutral","sentiment_score":0.09626178443431854},{"text":"Yes.","start":299.935,"end":300.435,"sentiment":"neutral","sentiment_score":0.12572777271270752},{"text":"Yes.","start":306.06,"end":306.56,"sentiment":"neutral","sentiment_score":-0.2943112850189209},{"text":"Yes.","start":315.25998,"end":315.75998,"sentiment":"neutral","sentiment_score":-0.00443376787006855},{"text":"Six and eight.","start":319.18,"end":320.205,"sentiment":"neutral","sentiment_score":-0.03783572527269522}],"sentiment":"neutral","sentiment_score":-0.02718038165143558,"num_words":7,"start":299.77502,"end":320.205},{"sentences":[{"text":"Yeah.","start":321.405,"end":321.72498,"sentiment":"neutral","sentiment_score":0.0014455057680606842},{"text":"That's six and eight.","start":321.72498,"end":323.025,"sentiment":"neutral","sentiment_score":0.009287764085456729},{"text":"Mhmm.","start":323.32498,"end":323.82498,"sentiment":"neutral","sentiment_score":0.02049623802304268},{"text":"Yes.","start":325.965,"end":326.465,"sentiment":"neutral","sentiment_score":0.0696028545498848},{"text":"Yes.","start":330.205,"end":330.705,"sentiment":"neutral","sentiment_score":0.03154700994491577}],"sentiment":"neutral","sentiment_score":0.020030333078466356,"num_words":8,"start":321.405,"end":330.705},{"sentences":[{"text":"Yeah.","start":331.485,"end":331.985,"sentiment":"neutral","sentiment_score":0.03561922162771225},{"text":"Yes.","start":335.245,"end":335.49,"sentiment":"neutral","sentiment_score":0.058987826108932495},{"text":"And okay.","start":342.84998,"end":343.75,"sentiment":"neutral","sentiment_score":0.07786170765757561},{"text":"Yes.","start":346.37,"end":346.87,"sentiment":"neutral","sentiment_score":0.07137367129325867},{"text":"And it and it wouldn't start the time frame Okay.","start":347.49,"end":353.745,"sentiment":"neutral","sentiment_score":-0.06869302876293659}],"sentiment":"neutral","sentiment_score":-0.024348410218954085,"num_words":15,"start":331.485,"end":353.745},{"sentences":[{"text":"So yes.","start":353.745,"end":356.885,"sentiment":"neutral","sentiment_score":0.05905687250196934},{"text":"Yeah.","start":357.265,"end":357.765,"sentiment":"neutral","sentiment_score":0.07871238142251968},{"text":"Yes.","start":364.14502,"end":364.53,"sentiment":"neutral","sentiment_score":0.022745419293642044},{"text":"Yes.","start":370.61,"end":371.11,"sentiment":"neutral","sentiment_score":-0.009745866991579533},{"text":"Okay.","start":372.05,"end":372.55,"sentiment":"neutral","sentiment_score":0.08517654240131378}],"sentiment":"neutral","sentiment_score":0.049167036854972444,"num_words":6,"start":353.745,"end":372.55},{"sentences":[{"text":"So yeah.","start":372.85,"end":375.01,"sentiment":"neutral","sentiment_score":0.12148896232247351},{"text":"And if it's in the kid's name, even though he's the owner, that wouldn't impact the child support.","start":375.01,"end":384.635,"sentiment":"neutral","sentiment_score":-0.021843473944399092},{"text":"Do you know?","start":385.815,"end":386.135,"sentiment":"neutral","sentiment_score":-0.007762244592110316},{"text":"Okay.","start":386.135,"end":386.635,"sentiment":"neutral","sentiment_score":-0.006722600199282169},{"text":"Yeah.","start":408.305,"end":408.625,"sentiment":"neutral","sentiment_score":0.17377185821533203}],"sentiment":"neutral","sentiment_score":-0.00025768328458070756,"num_words":25,"start":372.85,"end":408.625},{"sentences":[{"text":"That'd be great.","start":408.625,"end":409.60498,"sentiment":"positive","sentiment_score":0.40127156178156537},{"text":"That'd be good because I am booked in to talk to this guy next week.","start":409.66498,"end":414.405,"sentiment":"neutral","sentiment_score":0.2024642027914524},{"text":"So that'll be great.","start":414.54498,"end":421.86,"sentiment":"neutral","sentiment_score":0.13020806666463614},{"text":"Yep.","start":421.86,"end":422.36,"sentiment":"neutral","sentiment_score":0.05680297315120697},{"text":"Four one six.","start":424.18,"end":425.46,"sentiment":"neutral","sentiment_score":0.023916961004336674}],"sentiment":"neutral","sentiment_score":0.18808322500150937,"num_words":26,"start":408.625,"end":425.46},{"sentences":[{"text":"Yep.","start":425.46,"end":425.96,"sentiment":"neutral","sentiment_score":0.025142591446638107},{"text":"Nine four zero.","start":428.34,"end":429.63998,"sentiment":"neutral","sentiment_score":0.019860589255889256},{"text":"Yep.","start":429.7,"end":430.2,"sentiment":"neutral","sentiment_score":0.02018720470368862},{"text":"041.","start":432.18,"end":433.185,"sentiment":"neutral","sentiment_score":0.013811033219099045},{"text":"And it was Jo Baker, did you say?","start":433.185,"end":435.445,"sentiment":"neutral","sentiment_score":0.01848262711428106}],"sentiment":"neutral","sentiment_score":0.019041686717953,"num_words":14,"start":425.46,"end":435.445},{"sentences":[{"text":"Beautiful.","start":439.665,"end":440.165,"sentiment":"neutral","sentiment_score":0.1864072382450104},{"text":"Yes.","start":442.54498,"end":443.04498,"sentiment":"neutral","sentiment_score":0.1280643343925476},{"text":"Perfect.","start":443.505,"end":444.005,"sentiment":"neutral","sentiment_score":0.285747766494751},{"text":"I will give her a call and and see see because I was like, oh, yeah.","start":444.96002,"end":453.12,"sentiment":"neutral","sentiment_score":0.04645229654852301},{"text":"Don't know.","start":453.12,"end":453.76,"sentiment":"neutral","sentiment_score":-0.057572318241000175}],"sentiment":"neutral","sentiment_score":0.058491021306032225,"num_words":21,"start":439.665,"end":453.76},{"sentences":[{"text":"Because to me, just I was like, oh, well, if it's in the kid's name and he doesn't do it, it's not like his asset even though he set it up, then it might not.","start":453.76,"end":462.055,"sentiment":"neutral","sentiment_score":-0.11641872408134597},{"text":"Do you know?","start":462.055,"end":463.57498,"sentiment":"neutral","sentiment_score":-0.004438793286681175},{"text":"Yeah.","start":463.57498,"end":464.07498,"sentiment":"neutral","sentiment_score":0.05068294331431389},{"text":"Yes.","start":473.81497,"end":474.31497,"sentiment":"neutral","sentiment_score":0.05404401198029518},{"text":"Yeah.","start":474.615,"end":474.93,"sentiment":"neutral","sentiment_score":0.07288683950901031}],"sentiment":"neutral","sentiment_score":-0.09537458360740324,"num_words":41,"start":453.76,"end":474.93},{"sentences":[{"text":"Yes.","start":484.28998,"end":484.69,"sentiment":"neutral","sentiment_score":0.07087661325931549},{"text":"Mhmm.","start":484.69,"end":485.09,"sentiment":"neutral","sentiment_score":0.04557610303163528},{"text":"Mhmm.","start":485.09,"end":485.59,"sentiment":"neutral","sentiment_score":0.030483955517411232},{"text":"Yep.","start":495.265,"end":495.58502,"sentiment":"neutral","sentiment_score":0.06652633845806122},{"text":"Yep.","start":495.58502,"end":496.065,"sentiment":"neutral","sentiment_score":0.07782089710235596}],"sentiment":"neutral","sentiment_score":0.058256781473755834,"num_words":5,"start":484.28998,"end":496.065},{"sentences":[{"text":"Yep.","start":496.065,"end":496.545,"sentiment":"neutral","sentiment_score":0.10978423058986664},{"text":"Okay.","start":496.545,"end":497.045,"sentiment":"neutral","sentiment_score":0.14347755908966064},{"text":"Perfect.","start":497.105,"end":497.605,"sentiment":"positive","sentiment_score":0.3627559542655945},{"text":"Yes.","start":500.14502,"end":500.46,"sentiment":"neutral","sentiment_score":0.10657396912574768},{"text":"Yes.","start":500.86,"end":501.36,"sentiment":"neutral","sentiment_score":0.1164497137069702}],"sentiment":"neutral","sentiment_score":0.16780828535556794,"num_words":5,"start":496.065,"end":501.36},{"sentences":[{"text":"Yep.","start":501.58,"end":501.97998,"sentiment":"neutral","sentiment_score":0.13414423167705536},{"text":"Okay.","start":501.97998,"end":502.47998,"sentiment":"neutral","sentiment_score":0.22834932804107663},{"text":"Perfect.","start":502.62,"end":503.12,"sentiment":"positive","sentiment_score":0.37036949396133423},{"text":"Yeah.","start":503.41998,"end":503.91998,"sentiment":"neutral","sentiment_score":0.1935451477766037},{"text":"I will give Joe a call and see in regards to the child support because I was like, actually don't know that one.","start":504.06,"end":510.8,"sentiment":"neutral","sentiment_score":0.0640344111977712}],"sentiment":"neutral","sentiment_score":0.08885924662980768,"num_words":27,"start":501.58,"end":510.8},{"sentences":[{"text":"Yeah.","start":516.335,"end":516.835,"sentiment":"neutral","sentiment_score":-0.01738014817237854},{"text":"Yes.","start":520.41504,"end":520.91504,"sentiment":"neutral","sentiment_score":0.03522191941738129},{"text":"Yes.","start":524.495,"end":524.995,"sentiment":"neutral","sentiment_score":0.010712436400353909},{"text":"Like, if the ex wife wasn't involved and all the stipulations that she has, then life builder would I would normally do with just the future event transfer, like you said, because that seems you know?","start":525.215,"end":537.33,"sentiment":"neutral","sentiment_score":-0.009626814681622718},{"text":"But she needs to she seems to be quite difficult as well, and I don't think she would like the fact that he has more controls that you'd be like, no.","start":537.33,"end":547.29504,"sentiment":"neutral","sentiment_score":-0.17062133959224146}],"sentiment":"neutral","sentiment_score":-0.08010389497503638,"num_words":70,"start":516.335,"end":547.29504},{"sentences":[{"text":"This is the kids.","start":547.29504,"end":548.015,"sentiment":"neutral","sentiment_score":-0.15853040665388107},{"text":"Otherwise, I'm not signing off on this kind of thing.","start":548.015,"end":550.67505,"sentiment":"neutral","sentiment_score":-0.1548662930727005},{"text":"That's certainly kind of dilemma.","start":552.015,"end":553.715,"sentiment":"neutral","sentiment_score":-0.2327450692653656},{"text":"But I shall yes.","start":555.455,"end":557.395,"sentiment":"neutral","sentiment_score":-0.14565297029912472},{"text":"So I was like, what what works best in this instance?","start":557.935,"end":560.33,"sentiment":"neutral","sentiment_score":-0.10114673796025189}],"sentiment":"neutral","sentiment_score":-0.1482863500714302,"num_words":34,"start":547.29504,"end":560.33},{"sentences":[{"text":"But I would give Joe a call and, yeah, do some more research there.","start":560.55,"end":565.19,"sentiment":"neutral","sentiment_score":0.011641395943505424},{"text":"Thank you so much, otherwise.","start":565.19,"end":566.41,"sentiment":"positive","sentiment_score":0.4018904209136963},{"text":"Mhmm.","start":568.23285,"end":568.73285,"sentiment":"neutral","sentiment_score":0.07033424079418182},{"text":"No worries.","start":569.03284,"end":569.5129,"sentiment":"neutral","sentiment_score":0.06315601989626884},{"text":"We'll speak soon.","start":569.5129,"end":570.49286,"sentiment":"neutral","sentiment_score":0.061968365063269935}],"sentiment":"neutral","sentiment_score":0.10219932094216347,"num_words":25,"start":560.55,"end":570.49286},{"sentences":[{"text":"Okay.","start":572.31287,"end":572.81287,"sentiment":"neutral","sentiment_score":0.246021032333374},{"text":"Bye.","start":572.87286,"end":573.37286,"sentiment":"neutral","sentiment_score":0.32000982761383057}],"sentiment":"neutral","sentiment_score":0.2830154299736023,"num_words":2,"start":572.31287,"end":573.37286}]}}]},{"alternatives":[{"transcript":"Hello. Mel speaking. Hello. I'm well. How are you, Veronica? Good. Good. How can I help? Mhmm. Okay. So what's the situation with the family? Yep. Yep. Yeah. Yes. Okay. Yep. Understood. So one thing that you can do, and maybe this is worth having a chat with Joe Bator from our technical team about, we do have through Life Builder the ability for you to own the bond through the bonds custodian trust, which is then not counted for the income test. It's still an asset for the assets test. But, again, once the money's in the bond, it's kind of a bit hard to find because there's no tax file number required. If there was a, you know, binding financial arrangement, something like that, then or letters of consent that happened through the court system for family court provisions, then he would he's supposed to declare it. Okay? Supposed to declare it. A person would need to find it to be fair. So just be across that. Yeah. She's gonna know. So that's that's not an issue then. It will be absolutely fine. It's for the benefit of the child. So to make sure that that kind of money is protected for him and what have you, you could have the bond you can either have it in joint names with both to sign, and that way both parents have access to it, but they can't act without each other, which is probably the best way to do it and that she doesn't want that. Yeah. Okay. Yeah. Alright. Well, that that's absolutely fine. He can own it. Yeah. He can own it in his own name, and he can be the only person to sign. He can have a future event transfer written into the contract to only have that money transferred to his children. So or his child. So that's absolutely fine. He can add all sorts of levels of control that he wants to it. But I would definitely use LifeBuilder. It's more flexible. So ChildBuilder is slightly different. So it only allows you to transfer the bond to that one child per child builder, and it must transfer at the latest of 25. So let's just say with, yeah, LifeBuilder, it gives you more control. Mhmm. Yeah. Well, he could with a child builder anyway, he could just withdraw money. So as much as you can't change the child, oftentimes, parents use child builder for the for that purpose so that it can be proved that it could technically, this is a a child builder is a child advancement policy, so it must be for the benefit of the child. And if someone removes the money for something other than the benefit of the child, then that child could successfully sue them. So that is kind of there to protect the child. However, as I say, it's only for children from birth to 16 years of age now. So depending on how the old the child is, that might work. But if they're older than 16, so that would work then. You can have two child builders. You'd have to have at least one for each child, and they must transfer to that child at the oldest of 20 five when it actually becomes a life builder in its own right anyway. So it continues, but it just continues as a child builder. And he wouldn't have control then over how those children access that funds. It's just literally becomes a life builder in their names. No. So child builders could work in this instance. It shows that, you know, the only way he can access this money is if he withdraws it himself. He's the owner he's allowed to. But if he were to withdraw it for anything other than the benefit of the child, then, yeah, that could be a problem. So that could work. That could work. Well, this is where I'm thinking we need to have a chat with Joe because I'm on the impression that I'm not sure if Bond's custodian trust is gonna sit on the outside of a Child Builder bond because it's part of Life Builder, not Child Builder. So that's probably a question for our lovely friend, Jo, in our tech team, which I'm happy to give you her number. Just yeah. Hang on one second. Right. I'll give you so Jo Baeta, here we go. I'll give you her mobile number. It's 0416 940 041. Bator, b a t o r, like bat with o r on the end. She's yeah. She's great. No. It's his it's still his asset. Yeah. It's his asset. They're just going to be the nominated either. You know, they they will be the future people inheriting the bond at that age at maximum. So the maximum age is 25. You can have it transferred to them sooner than that, of course, anywhere from the age of sort of 16 onwards or 10 to 25, actually. You can have a transfer, but they wouldn't be able to withdraw any money from that tax paid until it's still 10 old. It still has got the ten year rule and a 125% rule attached to it. Or them, I should say. You do one to each child, obviously. Okay. Yeah. It's this is this is gonna be the the discrepancy for you. Do you change it? Do you have it in Life Builder so that he's got more flexibility and control, or do you have it in Child Builder and do it that way? Yes. That's right. Yeah. Yep. Right. Tricky. No worries at all. Okay. Will do. Cheers. Bye for 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Mel speaking. Hello. I'm well. How are you, Veronica?\n\nGood. Good. How can I help? Mhmm. Okay.\n\nSo what's the situation with the family? Yep. Yep. Yeah. Yes.\n\nOkay. Yep. Understood. So one thing that you can do, and maybe this is worth having a chat with Joe Bator from our technical team about, we do have through Life Builder the ability for you to own the bond through the bonds custodian trust, which is then not counted for the income test. It's still an asset for the assets test.\n\nBut, again, once the money's in the bond, it's kind of a bit hard to find because there's no tax file number required. If there was a, you know, binding financial arrangement, something like that, then or letters of consent that happened through the court system for family court provisions, then he would he's supposed to declare it. Okay? Supposed to declare it. A person would need to find it to be fair.\n\nSo just be across that. Yeah. She's gonna know. So that's that's not an issue then. It will be absolutely fine.\n\nIt's for the benefit of the child. So to make sure that that kind of money is protected for him and what have you, you could have the bond you can either have it in joint names with both to sign, and that way both parents have access to it, but they can't act without each other, which is probably the best way to do it and that she doesn't want that. Yeah. Okay. Yeah.\n\nAlright. Well, that that's absolutely fine. He can own it. Yeah. He can own it in his own name, and he can be the only person to sign.\n\nHe can have a future event transfer written into the contract to only have that money transferred to his children. So or his child. So that's absolutely fine. He can add all sorts of levels of control that he wants to it. But I would definitely use LifeBuilder.\n\nIt's more flexible. So ChildBuilder is slightly different. So it only allows you to transfer the bond to that one child per child builder, and it must transfer at the latest of 25. So let's just say with, yeah, LifeBuilder, it gives you more control. Mhmm.\n\nYeah. Well, he could with a child builder anyway, he could just withdraw money. So as much as you can't change the child, oftentimes, parents use child builder for the for that purpose so that it can be proved that it could technically, this is a a child builder is a child advancement policy, so it must be for the benefit of the child. And if someone removes the money for something other than the benefit of the child, then that child could successfully sue them. So that is kind of there to protect the child.\n\nHowever, as I say, it's only for children from birth to 16 years of age now. So depending on how the old the child is, that might work. But if they're older than 16, so that would work then. You can have two child builders. You'd have to have at least one for each child, and they must transfer to that child at the oldest of 20 five when it actually becomes a life builder in its own right anyway.\n\nSo it continues, but it just continues as a child builder. And he wouldn't have control then over how those children access that funds. It's just literally becomes a life builder in their names. No. So child builders could work in this instance.\n\nIt shows that, you know, the only way he can access this money is if he withdraws it himself. He's the owner he's allowed to. But if he were to withdraw it for anything other than the benefit of the child, then, yeah, that could be a problem. So that could work. That could work.\n\nWell, this is where I'm thinking we need to have a chat with Joe because I'm on the impression that I'm not sure if Bond's custodian trust is gonna sit on the outside of a Child Builder bond because it's part of Life Builder, not Child Builder. So that's probably a question for our lovely friend, Jo, in our tech team, which I'm happy to give you her number. Just yeah. Hang on one second. Right.\n\nI'll give you so Jo Baeta, here we go. I'll give you her mobile number. It's 0416 940 041. Bator, b a t o r, like bat with o r on the end. She's yeah.\n\nShe's great. No. It's his it's still his asset. Yeah. It's his asset.\n\nThey're just going to be the nominated either. You know, they they will be the future people inheriting the bond at that age at maximum. So the maximum age is 25. You can have it transferred to them sooner than that, of course, anywhere from the age of sort of 16 onwards or 10 to 25, actually. You can have a transfer, but they wouldn't be able to withdraw any money from that tax paid until it's still 10 old.\n\nIt still has got the ten year rule and a 125% rule attached to it. Or them, I should say. You do one to each child, obviously. Okay. Yeah.\n\nIt's this is this is gonna be the the discrepancy for you. Do you change it? Do you have it in Life Builder so that he's got more flexibility and control, or do you have it in Child Builder and do it that way? Yes. That's right.\n\nYeah. Yep. Right. Tricky. No worries at all.\n\nOkay. Will do. Cheers. Bye for now.","paragraphs":[{"sentences":[{"text":"Hello.","start":4.0,"end":4.5,"sentiment":"neutral","sentiment_score":0.06776653230190277},{"text":"Mel speaking.","start":7.9199996,"end":9.38,"sentiment":"neutral","sentiment_score":0.14077039808034897},{"text":"Hello.","start":9.5199995,"end":10.0199995,"sentiment":"neutral","sentiment_score":0.09729903936386108},{"text":"I'm well.","start":10.08,"end":10.559999,"sentiment":"neutral","sentiment_score":0.18375340849161148},{"text":"How are you, Veronica?","start":10.559999,"end":11.46,"sentiment":"neutral","sentiment_score":0.20774753019213676}],"sentiment":"neutral","sentiment_score":0.1645103305578232,"num_words":10,"start":4.0,"end":11.46},{"sentences":[{"text":"Good.","start":14.16,"end":14.48,"sentiment":"positive","sentiment_score":0.5721489191055298},{"text":"Good.","start":14.48,"end":14.799999,"sentiment":"positive","sentiment_score":0.4841310977935791},{"text":"How can I 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family?","start":38.93,"end":41.03,"sentiment":"neutral","sentiment_score":-0.009702484788639205},{"text":"Yep.","start":45.935,"end":46.435,"sentiment":"neutral","sentiment_score":0.011536110192537308},{"text":"Yep.","start":63.05,"end":63.55,"sentiment":"neutral","sentiment_score":0.15252968668937683},{"text":"Yeah.","start":82.485,"end":82.985,"sentiment":"neutral","sentiment_score":-0.04724664241075516},{"text":"Yes.","start":95.47,"end":95.97,"sentiment":"neutral","sentiment_score":0.11538912355899812}],"sentiment":"neutral","sentiment_score":0.014935534955425695,"num_words":11,"start":38.93,"end":95.97},{"sentences":[{"text":"Okay.","start":97.55,"end":98.05,"sentiment":"neutral","sentiment_score":-0.010564539581537248},{"text":"Yep.","start":112.235,"end":112.735,"sentiment":"neutral","sentiment_score":-0.034182995557785034},{"text":"Understood.","start":112.795,"end":113.295,"sentiment":"neutral","sentiment_score":-0.08480986207723618},{"text":"So one thing that you can do, and maybe this is worth having a chat with Joe Bator from our technical team about, we do have through Life Builder the ability for you to own the bond through the bonds custodian trust, which is then not counted for the income test.","start":114.060005,"end":129.555,"sentiment":"neutral","sentiment_score":0.018637063493039095},{"text":"It's still an asset for the assets test.","start":129.715,"end":131.655,"sentiment":"neutral","sentiment_score":0.10565660335123539}],"sentiment":"neutral","sentiment_score":0.026873962382876104,"num_words":62,"start":97.55,"end":131.655},{"sentences":[{"text":"But, again, once the money's in the bond, it's kind of a bit hard to find because there's no tax file number required.","start":132.83499,"end":141.57,"sentiment":"neutral","sentiment_score":-0.25578638392945996},{"text":"If there was a, you know, binding financial arrangement, something like that, then or letters of consent that happened through the court system for family court provisions, then he would he's supposed to declare it.","start":143.33,"end":155.715,"sentiment":"neutral","sentiment_score":0.006768975287143673},{"text":"Okay?","start":157.47499,"end":157.955,"sentiment":"neutral","sentiment_score":0.021214712411165237},{"text":"Supposed to declare it.","start":157.955,"end":159.25499,"sentiment":"neutral","sentiment_score":0.005426171002909541},{"text":"A person would need to find it to be fair.","start":161.635,"end":163.97499,"sentiment":"neutral","sentiment_score":-0.025800309702754022}],"sentiment":"neutral","sentiment_score":-0.08029118350592174,"num_words":73,"start":132.83499,"end":163.97499},{"sentences":[{"text":"So just be across that.","start":164.11499,"end":165.575,"sentiment":"neutral","sentiment_score":0.006670279055833816},{"text":"Yeah.","start":169.48,"end":169.72,"sentiment":"neutral","sentiment_score":0.05256017297506333},{"text":"She's gonna know.","start":169.72,"end":170.84,"sentiment":"neutral","sentiment_score":0.06432141611973445},{"text":"So that's that's not an issue then.","start":170.84,"end":172.76,"sentiment":"neutral","sentiment_score":0.1254527089851243},{"text":"It will be absolutely fine.","start":172.76,"end":175.08,"sentiment":"positive","sentiment_score":0.4802277684211731}],"sentiment":"neutral","sentiment_score":0.16943731531500816,"num_words":21,"start":164.11499,"end":175.08},{"sentences":[{"text":"It's for the benefit of the child.","start":175.08,"end":176.78,"sentiment":"positive","sentiment_score":0.6083200233323234},{"text":"So to make sure that that kind of money is protected for him and what have you, you could have the bond you can either have it in joint names with both to sign, and that way both parents have access to it, but they can't act without each other, which is probably the best way to do it and that she doesn't want that.","start":177.0,"end":195.575,"sentiment":"neutral","sentiment_score":0.05749879015179781},{"text":"Yeah.","start":201.56,"end":202.04,"sentiment":"neutral","sentiment_score":0.011291885748505592},{"text":"Okay.","start":202.04,"end":202.54,"sentiment":"neutral","sentiment_score":0.02237229235470295},{"text":"Yeah.","start":207.48,"end":207.98,"sentiment":"neutral","sentiment_score":0.04026016965508461}],"sentiment":"neutral","sentiment_score":0.10759447827935219,"num_words":75,"start":175.08,"end":207.98},{"sentences":[{"text":"Alright.","start":208.59999,"end":209.0,"sentiment":"neutral","sentiment_score":0.09005048125982285},{"text":"Well, that that's absolutely fine.","start":209.0,"end":210.44,"sentiment":"neutral","sentiment_score":0.1324595957994461},{"text":"He can own it.","start":210.44,"end":211.575,"sentiment":"neutral","sentiment_score":0.06298635713756084},{"text":"Yeah.","start":211.655,"end":211.97499,"sentiment":"neutral","sentiment_score":0.14497631788253784},{"text":"He can own it in his own name, and he can be the only person to sign.","start":211.97499,"end":216.455,"sentiment":"neutral","sentiment_score":0.146609003052992}],"sentiment":"neutral","sentiment_score":0.13005797352109635,"num_words":28,"start":208.59999,"end":216.455},{"sentences":[{"text":"He can have a future event transfer written into the contract to only have that money transferred to his children.","start":216.455,"end":222.955,"sentiment":"neutral","sentiment_score":0.10894951298832893},{"text":"So or his child.","start":223.575,"end":224.775,"sentiment":"neutral","sentiment_score":0.15378101728856564},{"text":"So that's absolutely fine.","start":224.775,"end":225.75,"sentiment":"positive","sentiment_score":0.34620867669582367},{"text":"He can add all sorts of levels of control that he wants to it.","start":225.75,"end":228.55,"sentiment":"neutral","sentiment_score":0.3008258044719696},{"text":"But I would definitely use LifeBuilder.","start":228.55,"end":230.09,"sentiment":"neutral","sentiment_score":0.2563004369537036}],"sentiment":"neutral","sentiment_score":0.2068398525007069,"num_words":48,"start":216.455,"end":230.09},{"sentences":[{"text":"It's more flexible.","start":230.23001,"end":231.05,"sentiment":"neutral","sentiment_score":0.26078498363494873},{"text":"So ChildBuilder is slightly different.","start":232.47,"end":235.11,"sentiment":"neutral","sentiment_score":-0.02573128268122673},{"text":"So it only allows you to transfer the bond to that one child per child builder, and it must transfer at the latest of 25.","start":235.11,"end":247.31499,"sentiment":"neutral","sentiment_score":0.015945250764489174},{"text":"So let's just say with, yeah, LifeBuilder, it gives you more control.","start":249.375,"end":253.61,"sentiment":"neutral","sentiment_score":0.2309632028142611},{"text":"Mhmm.","start":270.235,"end":270.735,"sentiment":"neutral","sentiment_score":0.07836954295635223}],"sentiment":"neutral","sentiment_score":0.08483169094213973,"num_words":46,"start":230.23001,"end":270.735},{"sentences":[{"text":"Yeah.","start":271.195,"end":271.695,"sentiment":"neutral","sentiment_score":0.07445970177650452},{"text":"Well, he could with a child builder anyway, he could just withdraw money.","start":279.035,"end":282.255,"sentiment":"neutral","sentiment_score":0.015597280114889145},{"text":"So as much as you can't change the child, oftentimes, parents use child builder for the for that purpose so that it can be proved that it could technically, this is a a child builder is a child advancement policy, so it must be for the benefit of the child.","start":284.1,"end":299.355,"sentiment":"neutral","sentiment_score":0.11833027653396129},{"text":"And if someone removes the money for something other than the benefit of the child, then that child could successfully sue them.","start":299.975,"end":306.955,"sentiment":"neutral","sentiment_score":-0.15149567377838222},{"text":"So that is kind of there to protect the child.","start":307.095,"end":309.6,"sentiment":"neutral","sentiment_score":-0.04747816175222397}],"sentiment":"neutral","sentiment_score":0.024854705513765413,"num_words":96,"start":271.195,"end":309.6},{"sentences":[{"text":"However, as I say, it's only for children from birth to 16 years of age now.","start":309.6,"end":314.66,"sentiment":"neutral","sentiment_score":-0.0780436007771641},{"text":"So depending on how the old the child is, that might work.","start":315.68002,"end":318.66,"sentiment":"neutral","sentiment_score":-0.03503552544862032},{"text":"But if they're older than 16, so that would work then.","start":318.88,"end":322.04498,"sentiment":"neutral","sentiment_score":-0.017952414737506348},{"text":"You can have two child builders.","start":322.04498,"end":323.245,"sentiment":"neutral","sentiment_score":0.0225493007649978},{"text":"You'd have to have at least one for each child, and they must transfer to that child at the oldest of 20 five when it actually becomes a life builder in its own right anyway.","start":323.245,"end":334.38498,"sentiment":"neutral","sentiment_score":0.02562189091529165}],"sentiment":"neutral","sentiment_score":-0.01043173116631806,"num_words":80,"start":309.6,"end":334.38498},{"sentences":[{"text":"So it continues, but it just continues as a child builder.","start":336.41,"end":338.97,"sentiment":"neutral","sentiment_score":-0.0018697950819676573},{"text":"And he wouldn't have control then over how those children access that funds.","start":338.97,"end":342.51,"sentiment":"neutral","sentiment_score":-0.021368650576243035},{"text":"It's just literally becomes a life builder in their names.","start":342.81,"end":347.79,"sentiment":"neutral","sentiment_score":0.04132607616484165},{"text":"No.","start":350.685,"end":351.185,"sentiment":"neutral","sentiment_score":-0.08578568696975708},{"text":"So child builders could work in this instance.","start":354.045,"end":356.465,"sentiment":"neutral","sentiment_score":0.07212390191853046}],"sentiment":"neutral","sentiment_score":0.014095490386839523,"num_words":43,"start":336.41,"end":356.465},{"sentences":[{"text":"It shows that, you know, the only way he can access this money is if he withdraws it himself.","start":357.405,"end":361.965,"sentiment":"neutral","sentiment_score":0.04933919806621576},{"text":"He's the owner he's allowed to.","start":361.965,"end":363.6,"sentiment":"neutral","sentiment_score":0.02968783179918925},{"text":"But if he were to withdraw it for anything other than the benefit of the child, then, yeah, that could be a problem.","start":365.6,"end":371.14,"sentiment":"neutral","sentiment_score":-0.0749754166311544},{"text":"So that could work.","start":372.16,"end":373.12,"sentiment":"neutral","sentiment_score":0.12555456534028053},{"text":"That could work.","start":373.12,"end":374.02002,"sentiment":"neutral","sentiment_score":0.22014337281386057}],"sentiment":"neutral","sentiment_score":0.010068828206170688,"num_words":55,"start":357.405,"end":374.02002},{"sentences":[{"text":"Well, this is where I'm thinking we need to have a chat with Joe because I'm on the impression that I'm not sure if Bond's custodian trust is gonna sit on the outside of a Child Builder bond because it's part of Life Builder, not Child Builder.","start":385.79498,"end":400.08002,"sentiment":"neutral","sentiment_score":-0.0473272546313386},{"text":"So that's probably a question for our lovely friend, Jo, in our tech team, which I'm happy to give you her number.","start":401.98,"end":407.91498,"sentiment":"neutral","sentiment_score":0.11018131439182484},{"text":"Just yeah.","start":410.775,"end":412.07498,"sentiment":"neutral","sentiment_score":0.13326915353536606},{"text":"Hang on one second.","start":412.615,"end":413.755,"sentiment":"neutral","sentiment_score":0.14363494515419006},{"text":"Right.","start":415.01498,"end":415.51498,"sentiment":"neutral","sentiment_score":0.08737769722938538}],"sentiment":"neutral","sentiment_score":0.014842943866633027,"num_words":76,"start":385.79498,"end":415.51498},{"sentences":[{"text":"I'll give you so Jo Baeta, here we go.","start":415.57498,"end":419.23,"sentiment":"neutral","sentiment_score":0.1027608174416754},{"text":"I'll give you her mobile number.","start":419.23,"end":421.33002,"sentiment":"neutral","sentiment_score":0.10134460652867953},{"text":"It's 0416 940 041.","start":421.47,"end":431.615,"sentiment":"neutral","sentiment_score":0.034746276680380106},{"text":"Bator, b a t o r, like bat with o r on the end.","start":435.675,"end":442.01498,"sentiment":"neutral","sentiment_score":0.07038588116743735},{"text":"She's yeah.","start":447.97,"end":448.93,"sentiment":"neutral","sentiment_score":0.1419392228126526}],"sentiment":"neutral","sentiment_score":0.08403373956680298,"num_words":35,"start":415.57498,"end":448.93},{"sentences":[{"text":"She's great.","start":448.93,"end":449.75,"sentiment":"positive","sentiment_score":0.3467000126838684},{"text":"No.","start":460.76498,"end":461.085,"sentiment":"neutral","sentiment_score":-0.1042078584432602},{"text":"It's his it's still his asset.","start":461.085,"end":462.625,"sentiment":"neutral","sentiment_score":-0.08077210653573275},{"text":"Yeah.","start":464.125,"end":464.525,"sentiment":"neutral","sentiment_score":0.06790819764137268},{"text":"It's his asset.","start":464.525,"end":465.425,"sentiment":"neutral","sentiment_score":0.11661611249049504}],"sentiment":"neutral","sentiment_score":0.040178158678687535,"num_words":13,"start":448.93,"end":465.425},{"sentences":[{"text":"They're just going to be the nominated either.","start":465.485,"end":468.22498,"sentiment":"neutral","sentiment_score":0.12011239770799875},{"text":"You know, they they will be the future people inheriting the bond at that age at maximum.","start":469.16498,"end":474.54498,"sentiment":"neutral","sentiment_score":0.06553605724783505},{"text":"So the maximum age is 25.","start":474.77,"end":476.45,"sentiment":"neutral","sentiment_score":0.03706948614368836},{"text":"You can have it transferred to them sooner than that, of course, anywhere from the age of sort of 16 onwards or 10 to 25, actually.","start":476.45,"end":483.99,"sentiment":"neutral","sentiment_score":0.030410612718417093},{"text":"You can have a transfer, but they wouldn't be able to withdraw any money from that tax paid until it's still 10 old.","start":484.21,"end":491.23502,"sentiment":"neutral","sentiment_score":0.0342448851822511}],"sentiment":"neutral","sentiment_score":0.048446717020124194,"num_words":80,"start":465.485,"end":491.23502},{"sentences":[{"text":"It still has got the ten year rule and a 125% rule attached to it.","start":491.23502,"end":495.015,"sentiment":"neutral","sentiment_score":0.028784398486216865},{"text":"Or them, I should say.","start":497.075,"end":497.95502,"sentiment":"neutral","sentiment_score":0.21384676396846772},{"text":"You do one to each child, obviously.","start":497.95502,"end":499.73502,"sentiment":"neutral","sentiment_score":0.11884402909449168},{"text":"Okay.","start":510.37003,"end":510.87003,"sentiment":"neutral","sentiment_score":0.016066735610365868},{"text":"Yeah.","start":511.49002,"end":511.89,"sentiment":"neutral","sentiment_score":0.007282154634594917}],"sentiment":"neutral","sentiment_score":0.08125023762213773,"num_words":29,"start":491.23502,"end":511.89},{"sentences":[{"text":"It's this is this is gonna be the the discrepancy for you.","start":511.89,"end":515.735,"sentiment":"neutral","sentiment_score":-0.05746584261457125},{"text":"Do you change it?","start":515.735,"end":517.01495,"sentiment":"neutral","sentiment_score":-0.03557041333988309},{"text":"Do you have it in Life Builder so that he's got more flexibility and control, or do you have it in Child Builder and do it that way?","start":517.01495,"end":523.915,"sentiment":"neutral","sentiment_score":0.02293472291369523},{"text":"Yes.","start":534.84,"end":535.34,"sentiment":"neutral","sentiment_score":0.0031356681138277054},{"text":"That's right.","start":535.56,"end":536.46,"sentiment":"neutral","sentiment_score":-0.033481791615486145}],"sentiment":"neutral","sentiment_score":-0.005394200814214159,"num_words":47,"start":511.89,"end":536.46},{"sentences":[{"text":"Yeah.","start":550.005,"end":550.505,"sentiment":"neutral","sentiment_score":-0.08766405284404755},{"text":"Yep.","start":550.565,"end":551.065,"sentiment":"neutral","sentiment_score":-0.07774336636066437},{"text":"Right.","start":555.1,"end":555.58,"sentiment":"neutral","sentiment_score":-0.17527318000793457},{"text":"Tricky.","start":555.58,"end":556.08,"sentiment":"neutral","sentiment_score":-0.22233223915100095},{"text":"No worries at all.","start":567.063,"end":568.443,"sentiment":"neutral","sentiment_score":0.08442745544016361}],"sentiment":"neutral","sentiment_score":-0.028162877075374126,"num_words":8,"start":550.005,"end":568.443},{"sentences":[{"text":"Okay.","start":571.22296,"end":571.72296,"sentiment":"neutral","sentiment_score":0.2569635808467865},{"text":"Will do.","start":571.78296,"end":572.52295,"sentiment":"positive","sentiment_score":0.39284543693065643},{"text":"Cheers.","start":572.58295,"end":573.08295,"sentiment":"positive","sentiment_score":0.6133369207382202},{"text":"Bye for now.","start":573.383,"end":574.28296,"sentiment":"neutral","sentiment_score":0.08768186221520106}],"sentiment":"neutral","sentiment_score":0.27414813744170324,"num_words":7,"start":571.22296,"end":574.28296}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello.\n\nChannel 0: Good morning, Mel. It's Veronica from Nextiva\n\nChannel 1: Mel\n\nChannel 0: Financial. How\n\nChannel 1: speaking.\n\nChannel 0: are you?\n\nChannel 1: Hello. I'm well. How are you, Veronica?\n\nChannel 0: I'm good. Thank you.\n\nChannel 1: Good. Good. How can I help?\n\nChannel 0: I have just a question for you or some questions in regards to the best way to set up a bond for this client, whether that\n\nChannel 1: Mhmm.\n\nChannel 0: is through child bonds or whether it is the life builder bond for the dad and then with the kids as, like, the beneficiary over it.\n\nChannel 1: Okay. So what's the situation with the family?\n\nChannel 0: Yes. So mom and dad currently have the money\n\nChannel 1: Yep.\n\nChannel 0: in a personal investment account that they wanna change because they are getting a divorce. So it's going through the so, essentially, it's the dad's money, but it's for the purpose of the kids. So\n\nChannel 1: Yep.\n\nChannel 0: child bond is great because, obviously, it just needs to be for the purpose of the kids, essentially. The the kind of sticky point is that he obviously wanna make sure he has control over it to change investments and everything, which he would. But the biggest thing is child support that he's concerned about because,\n\nChannel 1: Yeah.\n\nChannel 0: like, well, if it's in my name because he likes the idea of, well, they can choose what they want to do when they take over, whether they'll continue the bond. They doesn't have to be vested at a certain age. So he\n\nChannel 1: Yes.\n\nChannel 0: does like that.\n\nChannel 1: Okay.\n\nChannel 0: But then the the concern is from child support for how that would impact the two options. So he's basically, well, my ex wife's trying to get everything out of me, and this isn't my money. It's for the kids.\n\nChannel 1: Yep. Understood. So one thing that you can do, and maybe this is worth having a chat with Joe Bator from our technical team about,\n\nChannel 0: Mhmm. Okay.\n\nChannel 1: we do have through Life Builder the ability\n\nChannel 0: Yes.\n\nChannel 1: for you to own the bond through the bonds custodian trust, which is then not counted for the income test. It's still an asset for the assets test.\n\nChannel 0: Mhmm.\n\nChannel 1: But, again, once the money's in the bond, it's kind of a bit hard to find because there's no tax file number required.\n\nChannel 0: Okay. Yep.\n\nChannel 1: If there was a, you know, binding financial arrangement, something like that, then or letters of consent that happened through the court system for family court\n\nChannel 0: Mhmm.\n\nChannel 1: provisions, then he would he's supposed to declare it. Okay? Supposed\n\nChannel 0: Yep.\n\nChannel 1: to declare it. A person would need to find it to be fair. So just be across\n\nChannel 0: Because\n\nChannel 1: that.\n\nChannel 0: the, yeah, because the mom would know because the IDPS\n\nChannel 1: Yeah. She's\n\nChannel 0: is currently\n\nChannel 1: gonna\n\nChannel 0: both\n\nChannel 1: know.\n\nChannel 0: of that\n\nChannel 1: So\n\nChannel 0: nine\n\nChannel 1: that's\n\nChannel 0: and\n\nChannel 1: that's\n\nChannel 0: then\n\nChannel 1: not an issue then. It will be absolutely\n\nChannel 0: yes.\n\nChannel 1: fine. It's for the benefit of the child. So\n\nChannel 0: Yes.\n\nChannel 1: to make sure that that kind of money is protected for him and what have you, you could have the bond you can either have it in joint names with both to sign, and that way both parents have access to it, but they can't act without each other, which is probably\n\nChannel 0: He doesn't\n\nChannel 1: the best\n\nChannel 0: want\n\nChannel 1: way to do it and that she doesn't want that.\n\nChannel 0: he doesn't want that because that's the problem that with the IDPS. He wants zero involvement with her at all.\n\nChannel 1: Yeah.\n\nChannel 0: All the\n\nChannel 1: Okay.\n\nChannel 0: money in the the bond is from his inheritance from his family, and he is doing all the contributions\n\nChannel 1: Yeah.\n\nChannel 0: for\n\nChannel 1: Alright.\n\nChannel 0: it. So\n\nChannel 1: Well,\n\nChannel 0: he\n\nChannel 1: that\n\nChannel 0: wants\n\nChannel 1: that's\n\nChannel 0: her\n\nChannel 1: absolutely\n\nChannel 0: to have\n\nChannel 1: fine.\n\nChannel 0: nothing.\n\nChannel 1: He can own it. Yeah. He can own it in his own name, and\n\nChannel 0: Yes.\n\nChannel 1: he can be the only person to sign. He can have a future event transfer written into the contract to\n\nChannel 0: Yes.\n\nChannel 1: only have that money transferred to his children.\n\nChannel 0: Yes.\n\nChannel 1: So or his child. So that's absolutely fine. He can add all sorts of levels of control that he wants to it. But I would definitely use LifeBuilder. It's more flexible.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: And\n\nChannel 1: ChildBuilder is slightly different. So\n\nChannel 0: mhmm.\n\nChannel 1: it only allows you to transfer the bond to that one child per\n\nChannel 0: Mhmm.\n\nChannel 1: child builder, and it must transfer at the latest of 25.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Because\n\nChannel 1: let's just say with, yeah, LifeBuilder,\n\nChannel 0: with\n\nChannel 1: it gives you more\n\nChannel 0: it\n\nChannel 1: control.\n\nChannel 0: But would that also then mean so obviously, from the mom needs to sign off on these documents as part of the court order to make sure she's happy with advice. So on the flip side, if it's a just a life builder bond for the dad\n\nChannel 1: Mhmm.\n\nChannel 0: going\n\nChannel 1: Yeah.\n\nChannel 0: through the kids, that he has control. Like, he could technically change it whenever he wants. Right?\n\nChannel 1: Well, he could with a child builder anyway, he could just withdraw money.\n\nChannel 0: Yes.\n\nChannel 1: So as much as you can't change the child, oftentimes, parents use child builder for the for that purpose so that it can be proved that it could technically,\n\nChannel 0: Yes.\n\nChannel 1: this is a a child builder is a child advancement policy, so it must be for the\n\nChannel 0: Yes.\n\nChannel 1: benefit of the child.\n\nChannel 0: Yes. Yes.\n\nChannel 1: And if someone removes the money for something other than the benefit of the child, then that child could successfully\n\nChannel 0: Yes.\n\nChannel 1: sue them. So that is kind of there to protect the child. However, as I say, it's only for children from birth to 16 years of age now.\n\nChannel 0: Yes.\n\nChannel 1: So depending on how the old the child is, that might work. But if\n\nChannel 0: Six\n\nChannel 1: they're older\n\nChannel 0: and eight.\n\nChannel 1: than 16, so that would\n\nChannel 0: Yeah.\n\nChannel 1: work\n\nChannel 0: That's\n\nChannel 1: then. You\n\nChannel 0: six\n\nChannel 1: can\n\nChannel 0: and\n\nChannel 1: have two\n\nChannel 0: eight.\n\nChannel 1: child builders. You'd\n\nChannel 0: Mhmm.\n\nChannel 1: have to have at least one for each child,\n\nChannel 0: Yes.\n\nChannel 1: and they must transfer to that child at the oldest of 20\n\nChannel 0: Yes.\n\nChannel 1: five\n\nChannel 0: Yeah.\n\nChannel 1: when it actually becomes a life builder in its own right anyway.\n\nChannel 0: Yes.\n\nChannel 1: So it continues, but it just continues as a child builder. And he wouldn't have control then over how those children access that funds. It's\n\nChannel 0: And\n\nChannel 1: just\n\nChannel 0: okay.\n\nChannel 1: literally becomes a life builder\n\nChannel 0: Yes.\n\nChannel 1: in their names.\n\nChannel 0: And it and it wouldn't start the time frame\n\nChannel 1: No.\n\nChannel 0: Okay. So\n\nChannel 1: So child builders could work in this instance.\n\nChannel 0: yes. Yeah.\n\nChannel 1: It shows that, you know, the only way he can access this money is if he withdraws it himself. He's the owner he's allowed to.\n\nChannel 0: Yes.\n\nChannel 1: But if he were to withdraw it for anything other than the benefit of the child, then, yeah, that could be a\n\nChannel 0: Yes.\n\nChannel 1: problem.\n\nChannel 0: Okay.\n\nChannel 1: So that could work.\n\nChannel 0: So\n\nChannel 1: That could work.\n\nChannel 0: yeah. And if it's in the kid's name, even though he's the owner, that wouldn't impact the child support.\n\nChannel 1: Well,\n\nChannel 0: Do you know?\n\nChannel 1: this\n\nChannel 0: Okay.\n\nChannel 1: is where I'm thinking we need to have a chat with Joe because I'm on the impression that I'm not sure if Bond's custodian trust is gonna sit on the outside of a Child Builder bond because it's part of Life Builder, not Child Builder. So that's probably a question for our lovely friend, Jo, in our tech team, which I'm happy to give you her number.\n\nChannel 0: Yeah. That'd be great. That'd be good because I am\n\nChannel 1: Just yeah.\n\nChannel 0: booked in\n\nChannel 1: Hang\n\nChannel 0: to talk\n\nChannel 1: on\n\nChannel 0: to\n\nChannel 1: one\n\nChannel 0: this\n\nChannel 1: second.\n\nChannel 0: guy next week. So\n\nChannel 1: Right. I'll give you\n\nChannel 0: that'll be\n\nChannel 1: so Jo Baeta, here we go. I'll give you her mobile number.\n\nChannel 0: great.\n\nChannel 1: It's\n\nChannel 0: Yep.\n\nChannel 1: 0416\n\nChannel 0: Four one six. Yep.\n\nChannel 1: 940\n\nChannel 0: Nine four zero. Yep.\n\nChannel 1: 041.\n\nChannel 0: 041. And it was Jo Baker, did you say?\n\nChannel 1: Bator, b a t o r,\n\nChannel 0: Beautiful.\n\nChannel 1: like bat with o r on the end.\n\nChannel 0: Yes. Perfect. I will give her a call\n\nChannel 1: She's yeah. She's great.\n\nChannel 0: and and see see because I was like, oh, yeah. Don't know. Because to me, just I was like, oh, well, if it's in the kid's name and he doesn't do it, it's not like his asset even though he set\n\nChannel 1: No.\n\nChannel 0: it up,\n\nChannel 1: It's his\n\nChannel 0: then\n\nChannel 1: it's\n\nChannel 0: it might\n\nChannel 1: still\n\nChannel 0: not.\n\nChannel 1: his\n\nChannel 0: Do\n\nChannel 1: asset.\n\nChannel 0: you know? Yeah.\n\nChannel 1: Yeah. It's his asset. They're just going to be the nominated either. You know, they they will be the future people inheriting the bond at that age\n\nChannel 0: Yes.\n\nChannel 1: at maximum.\n\nChannel 0: Yeah.\n\nChannel 1: So the maximum age is 25. You can have it transferred to them sooner than that, of course, anywhere from the age of sort of 16 onwards or 10 to 25, actually. You\n\nChannel 0: Yes.\n\nChannel 1: can have\n\nChannel 0: Mhmm.\n\nChannel 1: a transfer,\n\nChannel 0: Mhmm.\n\nChannel 1: but they wouldn't be able to withdraw any money from that tax paid until it's still 10 old. It still has got the ten year rule and a 125% rule attached to it.\n\nChannel 0: Yep. Yep. Yep. Okay.\n\nChannel 1: Or\n\nChannel 0: Perfect.\n\nChannel 1: them, I should say. You do one to each child, obviously.\n\nChannel 0: Yes. Yes. Yep. Okay. Perfect.\n\nYeah. I will give Joe a call and see in regards to the child support because I was like, actually don't know that one.\n\nChannel 1: Okay. Yeah. It's this is this is gonna be the the discrepancy for you. Do you change\n\nChannel 0: Yeah.\n\nChannel 1: it? Do you have it in Life Builder so that he's got more flexibility\n\nChannel 0: Yes.\n\nChannel 1: and control, or do you have it in Child Builder and do it that way?\n\nChannel 0: Yes. Like, if the ex wife wasn't involved and all the stipulations that she has, then life builder would I would normally do with just the future event transfer,\n\nChannel 1: Yes.\n\nChannel 0: like you said,\n\nChannel 1: That's\n\nChannel 0: because\n\nChannel 1: right.\n\nChannel 0: that seems you know? But she needs to she seems to be quite difficult as well, and I don't think she would like the fact that he has more controls that you'd be like, no. This is the kids. Otherwise, I'm not signing off on this kind of\n\nChannel 1: Yeah.\n\nChannel 0: thing.\n\nChannel 1: Yep.\n\nChannel 0: That's certainly kind of dilemma.\n\nChannel 1: Right.\n\nChannel 0: But\n\nChannel 1: Tricky.\n\nChannel 0: I shall yes. So I was like, what what works best in this instance? But I would give Joe a call and, yeah, do some more research there. Thank you so much, otherwise.\n\nChannel 1: No worries at all.\n\nChannel 0: Mhmm. No worries. We'll speak soon.\n\nChannel 1: Okay. Will do.\n\nChannel 0: Okay.\n\nChannel 1: Cheers.\n\nChannel 0: Bye.\n\nChannel 1: Bye for now.","paragraphs":[{"sentences":[{"text":"Hello.","start":4.0,"end":4.5,"sentiment":"neutral","sentiment_score":0.06776653230190277}],"sentiment":"neutral","sentiment_score":0.06776653230190277,"channel":1,"num_words":1,"start":4.0,"end":4.5},{"sentences":[{"text":"Good morning, Mel.","start":6.08,"end":6.8799996,"sentiment":"neutral","sentiment_score":0.19705531497796377},{"text":"It's Veronica from 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Mel wants to change the bond for the children to be protected and use Life Builder to own it. The representative explains that the bond is flexible and must be transferred at the latest of 25, and that it is a separate policy for the client. The agent explains that the bond is only for children from birth to 16 years old and that children builders can work in the same instance. The speaker also suggests contacting a colleague for further advice and research."},"intents":{"segments":[{"text":"I have just a question for you or some questions in regards to the best way to set up a bond for this client, whether that Mhmm. is through child bonds or whether it is the life builder bond for the dad and then with the kids as, like, the beneficiary over it. Okay.","start_word":31,"end_word":84,"intents":[{"intent":"Set up a bond","confidence_score":0.3174103}]},{"text":"It's still an asset for the assets test. Mhmm. But, again, once the money's in the bond, it's kind of a bit hard to find because there's no tax file number required. Okay.","start_word":340,"end_word":372,"intents":[{"intent":"Explain bond features","confidence_score":0.000286969}]},{"text":"So it continues, but it just continues as a child builder. And he wouldn't have control then over how those children access that funds. It's And just okay.","start_word":989,"end_word":1016,"intents":[{"intent":"Assist in controlling child funds","confidence_score":6.1781145e-7}]},{"text":"So So child builders could work in this instance. yes. Yeah.","start_word":1038,"end_word":1048,"intents":[{"intent":"Discuss child builders' trust","confidence_score":0.087968946}]},{"text":"They're just going to be the nominated either. You know, they they will be the future people inheriting the bond at that age Yes. at maximum.","start_word":1355,"end_word":1380,"intents":[{"intent":"Discuss future bond inheritance","confidence_score":0.016003571}]},{"text":"I will give Joe a call and see in regards to the child support because I was like, actually don't know that one. Okay. Yeah.","start_word":1478,"end_word":1502,"intents":[{"intent":"Discuss child support","confidence_score":0.040664133},{"intent":"Discuss child support options","confidence_score":0.068778716},{"intent":"Discuss child support","confidence_score":0.012474105}]}]},"sentiments":{"segments":[{"text":"Hello. Good morning, Mel. It's Veronica from Nextiva Mel Financial. How speaking. are you? Hello. I'm well. How are you, Veronica?","start_word":0,"end_word":20,"sentiment":"neutral","sentiment_score":0.15939441323280334},{"text":"I'm good. Thank you. Good. Good.","start_word":21,"end_word":26,"sentiment":"positive","sentiment_score":0.5615667700767517},{"text":"How can I help? I have just a question for you or some questions in regards to the best way to set up a bond for this client, whether that Mhmm. is through child bonds or whether it is the life builder bond for the dad and then with the kids as, like, the beneficiary over it. Okay. So what's the situation with the family? Yes. So mom and dad currently have the money Yep. in a personal investment account that they wanna change because they are getting a divorce. So it's going through the so, essentially, it's the dad's money, but it's for the purpose of the kids. So Yep.","start_word":27,"end_word":137,"sentiment":"neutral","sentiment_score":0.027649816125631332},{"text":"child bond is great because, obviously, it just needs to be for the purpose of the kids, essentially.","start_word":138,"end_word":155,"sentiment":"positive","sentiment_score":0.365695059299469},{"text":"The the kind of sticky point is that he obviously wanna make sure he has control over it to change investments and everything, which he would. But the biggest thing is child support that he's concerned about because, Yeah. like, well, if it's in my name because he likes the idea of, well, they can choose what they want to do when they take over, whether they'll continue the bond. They doesn't have to be vested at a certain age. So he Yes. does like that. Okay. But then the the concern is from child support for how that would impact the two options.","start_word":156,"end_word":259,"sentiment":"neutral","sentiment_score":0.0060273814015090466},{"text":"So he's basically, well, my ex wife's trying to get everything out of me, and this isn't my money.","start_word":260,"end_word":278,"sentiment":"negative","sentiment_score":-0.3474770486354828},{"text":"It's for the kids. Yep. Understood. So one thing that you can do, and maybe this is worth having a chat with Joe Bator from our technical team about, Mhmm. Okay. we do have through Life Builder the ability Yes. for you to own the bond through the bonds custodian trust, which is then not counted for the income test. It's still an asset for the assets test. Mhmm. But, again, once the money's in the bond, it's kind of a bit hard to find because there's no tax file number required. Okay. Yep. If there was a, you know, binding financial arrangement, something like that, then or letters of consent that happened through the court system for family court Mhmm. provisions, then he would he's supposed to declare it. Okay? Supposed Yep. to declare it. A person would need to find it to be fair. So just be across Because that. the, yeah, because the mom would know because the IDPS Yeah. She's is currently gonna both know. of that So nine that's and that's then not an issue then.","start_word":279,"end_word":459,"sentiment":"neutral","sentiment_score":-0.016175002168390632},{"text":"It will be absolutely yes. fine. It's for the benefit of the child. So Yes.","start_word":460,"end_word":474,"sentiment":"positive","sentiment_score":0.5331646800041199},{"text":"to make sure that that kind of money is protected for him and what have you, you could have the bond you can either have it in joint names with both to sign, and that way both parents have access to it, but they can't act without each other, which is probably He doesn't the best want way to do it and that she doesn't want that.","start_word":475,"end_word":541,"sentiment":"neutral","sentiment_score":0.0007730875513516366},{"text":"he doesn't want that because that's the problem that with the IDPS.","start_word":542,"end_word":553,"sentiment":"negative","sentiment_score":-0.3999652266502381},{"text":"He wants zero involvement with her at all. Yeah. All the Okay. money in the the bond is from his inheritance from his family, and he is doing all the contributions Yeah. for Alright. it. So Well, he that wants that's her absolutely to have fine. nothing. He can own it. Yeah. He can own it in his own name, and Yes. he can be the only person to sign. He can have a future event transfer written into the contract to Yes. only have that money transferred to his children. Yes. So or his child.","start_word":554,"end_word":649,"sentiment":"neutral","sentiment_score":0.06832578778266907},{"text":"So that's absolutely fine.","start_word":650,"end_word":653,"sentiment":"positive","sentiment_score":0.34945183992385864},{"text":"He can add all sorts of levels of control that he wants to it. But I would definitely use LifeBuilder. It's more flexible. Yeah. So And ChildBuilder is slightly different. So mhmm. it only allows you to transfer the bond to that one child per Mhmm. child builder, and it must transfer at the latest of 25. Yeah. So Because let's just say with, yeah, LifeBuilder, with it gives you more it control. But would that also then mean so obviously, from the mom needs to sign off on these documents as part of the court order to make sure she's happy with advice. So on the flip side, if it's a just a life builder bond for the dad Mhmm. going Yeah. through the kids, that he has control. Like, he could technically change it whenever he wants. Right? Well, he could with a child builder anyway, he could just withdraw money. Yes. So as much as you can't change the child, oftentimes, parents use child builder for the for that purpose so that it can be proved that it could technically, Yes. this is a a child builder is a child advancement policy, so it must be for the Yes. benefit of the child. Yes. Yes. And if someone removes the money for something other than the benefit of the child, then that child could successfully Yes.","start_word":654,"end_word":882,"sentiment":"neutral","sentiment_score":0.09702963300667476},{"text":"sue them.","start_word":883,"end_word":884,"sentiment":"negative","sentiment_score":-0.3727630972862244},{"text":"So that is kind of there to protect the child. However, as I say, it's only for children from birth to 16 years of age now. Yes. So depending on how the old the child is, that might work. But if Six they're older and eight. than 16, so that Yeah. would work That's then. six You can and have eight. two child builders. You'd Mhmm. have to have at least one for each child, Yes. and they must transfer to that child at the oldest of 20 Yes. five Yeah. when it actually becomes a life builder in its own right anyway. Yes. So it continues, but it just continues as a child builder. And he wouldn't have control then over how those children access that funds. It's And just okay. literally becomes a life builder Yes. in their names. And it and it wouldn't start the time frame No. Okay. So So child builders could work in this instance. yes. Yeah. It shows that, you know, the only way he can access this money is if he withdraws it himself. He's the owner he's allowed to. Yes. But if he were to withdraw it for anything other than the benefit of the child, then, yeah, that could be a Yes. problem. Okay. So that could work. So That could work. yeah. And if it's in the kid's name, even though he's the owner, that wouldn't impact the child support. Well, Do you know? this Okay. is where I'm thinking we need to have a chat with Joe because I'm on the impression that I'm not sure if Bond's custodian trust is gonna sit on the outside of a Child Builder bond because it's part of Life Builder, not Child Builder. So that's probably a question for our lovely friend, Jo, in our tech team, which I'm happy to give you her number. Yeah.","start_word":885,"end_word":1199,"sentiment":"neutral","sentiment_score":0.0013137049618221464},{"text":"That'd be great.","start_word":1200,"end_word":1202,"sentiment":"positive","sentiment_score":0.3968962430953979},{"text":"That'd be good because I am Just yeah. booked in Hang to talk on to one this second. guy next week. So Right. I'll give you that'll be so Jo Baeta, here we go. I'll give you her mobile number. great. It's Yep. 0416 Four one six. Yep. 940 Nine four zero. Yep. 041. 041. And it was Jo Baker, did you say? Bator, b a t o r, Beautiful. like bat with o r on the end. Yes. Perfect. I will give her a call She's yeah.","start_word":1203,"end_word":1290,"sentiment":"neutral","sentiment_score":0.09913977980613708},{"text":"She's great.","start_word":1291,"end_word":1292,"sentiment":"positive","sentiment_score":0.3524845540523529},{"text":"and and see see because I was like, oh, yeah. Don't know. Because to me, just I was like, oh, well, if it's in the kid's name and he doesn't do it, it's not like his asset even though he set No. it up, It's his then it's it might still not. his Do asset. you know? Yeah. Yeah. It's his asset. They're just going to be the nominated either. You know, they they will be the future people inheriting the bond at that age Yes. at maximum. Yeah. So the maximum age is 25. You can have it transferred to them sooner than that, of course, anywhere from the age of sort of 16 onwards or 10 to 25, actually. You Yes. can have Mhmm. a transfer, Mhmm. but they wouldn't be able to withdraw any money from that tax paid until it's still 10 old. It still has got the ten year rule and a 125% rule attached to it. Yep. Yep. Yep. Okay. Or Perfect. them, I should say. You do one to each child, obviously. Yes. Yes. Yep. Okay.","start_word":1293,"end_word":1475,"sentiment":"neutral","sentiment_score":0.022883404555216515},{"text":"Perfect.","start_word":1476,"end_word":1476,"sentiment":"positive","sentiment_score":0.37036949396133423},{"text":"Yeah. I will give Joe a call and see in regards to the child support because I was like, actually don't know that one. Okay. Yeah. It's this is this is gonna be the the discrepancy for you. Do you change Yeah. it? Do you have it in Life Builder so that he's got more flexibility Yes. and control, or do you have it in Child Builder and do it that way? Yes. Like, if the ex wife wasn't involved and all the stipulations that she has, then life builder would I would normally do with just the future event transfer, Yes. like you said, That's because right. that seems you know? But she needs to she seems to be quite difficult as well, and I don't think she would like the fact that he has more controls that you'd be like, no. This is the kids. Otherwise, I'm not signing off on this kind of Yeah. thing. Yep. That's certainly kind of dilemma. Right. But Tricky. I shall yes. So I was like, what what works best in this instance? But I would give Joe a call and, yeah, do some more research there.","start_word":1477,"end_word":1671,"sentiment":"neutral","sentiment_score":-0.050193656235933304},{"text":"Thank you so much, otherwise.","start_word":1672,"end_word":1676,"sentiment":"positive","sentiment_score":0.3829819262027741},{"text":"No worries at all. Mhmm. No worries. We'll speak soon. Okay.","start_word":1677,"end_word":1687,"sentiment":"neutral","sentiment_score":0.0914458916945891},{"text":"Will do.","start_word":1688,"end_word":1689,"sentiment":"positive","sentiment_score":0.39187633991241455},{"text":"Okay.","start_word":1690,"end_word":1690,"sentiment":"neutral","sentiment_score":0.246021032333374},{"text":"Cheers.","start_word":1691,"end_word":1691,"sentiment":"positive","sentiment_score":0.6133369207382202},{"text":"Bye. Bye for now.","start_word":1692,"end_word":1695,"sentiment":"neutral","sentiment_score":0.22541534900665283}],"average":{"sentiment":"neutral","sentiment_score":0.031841643956226545}}}}