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That's okay. You're right. Oh, all good. All good. Caroline, just while we are while Neil's on the way over, I'll just get you to confirm, I we do record our calls for quality and training purposes. Are you both happy for us to proceed with that? Fantastic. And just to do a really quick security check that we do as well, if you can just confirm your full name, your date of birth, and address I should have on file. Yep. Beautiful. Thank you so much for that. And how's your day been? Neil made mention you got a new job. Are you enjoying it? Yes. It oh, fantastic. Fantastic. And in income wise, what are you sorta on at the moment with this new role? Are you on just a salary or an hourly wage? Yep. All good. How much are you sort of on hourly at the moment? 34 per hour? Beautiful. And how yes. That's okay. 34. And how many hours per week are you working on average? Yep. Okay. Yeah. When you finish training, do you know what you should be sort of doing averaging? Yep. Yep. No. That's okay. Yeah. All good. And what's the new role that you're doing? Oh, fantastic. Yeah. No. That's fantastic. How are you, Neil? Good to talk to you both. That's that's good. Now I do wanna confirm that $1.60 was withdrawn out. Have you received that in your bank account? It's all good? Yes. Easy. Not a problem at all. So with the catch up today, I just wanted to sort of reevaluate the advice because, obviously, the the original advice provided was to move into pension to draw the $1.60 down so you can become completely debt free. But then the next part of the advice was to for Neil, for you to stay in pension phase, and as of next financial year, start drawing an income. And, Caroline, you are planning to retire or stop working in at the end of the year when you turn 60, but there's been some changes. So, Neil, last time we spoke, you were thinking about going back to work or, you know, something along those lines. And Carolyn, we're not sure if you'd wanna retire now in the next when you turn 60. Yep. Yep. Yep. Yes. Yep. No. That's okay. That's not a problem at all. So what I'd probably like to do now, if that's okay with you guys, is maybe update the advice to reflect. Because at the moment with the last advice piece, the team is sort of sitting there expecting that you might wanna retire. So what I'd probably like to do is look at your circumstances with the changes. Caroline, did you want me to maybe look at what it looks like for you if you continue to work past the age of 60 to sort of see how that goes? And if you decide in the next few months you wanna change your mind and stop working, you can tell me. I can update the advice again. We can, you know, withdraw the money out at your request. There's plenty of ways we can go with that. But did you want me to maybe update the advice now to reflect working past 60 and what that maybe looks like for your super moving forward? Okay. No worries. And what that looks like? No. You have nothing to apologize for. I love this stuff. Honestly, like, if you ring me in a month's time ago, hey. Thanks for that. Love that we're gonna retire. I'll go, cool. Let's do it again. Let's go. No. It is absolutely fine. This is what I live for, honestly. Perfect. Well, we have done the I'll probably look at maybe switching the investments now for you as well, Caroline, because we didn't do it last time because it didn't work out worthwhile. But if you are kind of enjoying a job and there is a chance you might wanna work a bit longer, let's say, maybe another one, two, or three years, even if you just wanna work till the end of the year and then retire, it might still be worth just switching up the investment. The main reason we did it last time was that the capital gains consequences put you in a negative position, and then you didn't really have the time to make that money back prior to you turning 60 at the end of the year. So are you happy with me to reevaluate the investments and maybe update those for you as well and maybe look at the next twelve months. Or how far how far down the track do you want me to look at for this advice, please? Six months. Yep. Yep. Yeah. Okay. Yeah. Yeah. Oh, that's good. Yeah. Yeah. No. That's good. I'm glad you're really enjoying it because I know with your last job, you were just really over it, couldn't wait to retire. You just you know, it was it was enough. Yeah. Oh, that's fantastic. Yeah. Oh, look. This opportunity was meant to be. It's they give you something else to focus on. If it's you know, you're learning something new, gaining new skills, and enjoying something different for a while, that's an absolute benefit. Love that. Hard. Yeah. Absolutely. Absolutely. No. Not a problem. Well, I'll I'll update your advice and maybe reflect working forward to the next six months and still seeing how that works for you. I can sort of just maybe update the projections and show you what that looks like for you so far, you know, in that time frame. Neil, with yourself, are you planning on going back to work? That was something we sort of discussed. You're planning on maybe going back to work or getting a new job, or what's your plans moving forward? Okay. Yep. That's okay. Okay. Perfect. That's okay. So with the the pension account you have at the moment, it's sitting in pension phase currently. So we've drawn down the 160,000, which was essentially, I've drawn it down as a pension payment, so you don't have to draw anything else out of that pension for this financial year, which is great. Essentially, we can sit as it is until, say, the July 1 next year, and then we need to consider the minimum pension payment for next financial year, which won't be a lot. The current balance you have in there at the moment, and I'll just go back to it for you, sorry, is $150,157,897 there. We've got a yeah. So we've got a couple of options. We can look to keep you in pension phase. As I said, you don't have to draw anything else out of the time being. If you decide you want, you absolutely can. The benefit to it sitting in pension phase is that there's no income tax or capital gains tax consequences for where we are at the moment. So, essentially, sitting in pension, any growth or any income earned from the portfolio is reinvested back, but your super fund doesn't pay any tax on that. The other option is we can always move you back into accumulation phase, which is where you were in the super, you know, accumulation phase prior to this. You don't have to then draw anything out of that. Sitting in accumulation phase, there are tax consequences. So your super does pay 15% tax on income and CGT. You get a a discount if you've held the asset for more than twelve months, but there are tax consequences in there. So are you kind of planning on wanting to maybe put anything back into that, or are you sort of just happy to let it sit for the moment? What are you sort of thinking? Okay. Leaving it sit? Yes. That's that's Well, the way it is at the moment so in pension phase, we can't actually make any additional contributions to it. In order to make additional contributions to it, we actually have to move it back into the accumulation phase. In saying that it really sorry. You're right, Caroline. No. No. You actually don't pay any tax on it at all. It's just that inside super your super fund, just like you, does a tax return every year because it's a trust. It's a separate entity. And so the trustee of the super fund does a tax return. They pay income tax and capital gains tax and things like that. And that's why when we did the advice, we wanted to sort of, you know, move you into pension phase to that income you draw drew down was completely tax free for you, but there was no income there was no tax consequences in the inside the funds for doing that. So it can sit there as it is. If we do move it back to accumulation phase and we start making contributions to it, I wanna make sure the contributions going in made it worthwhile, making sure that you're not paying more in tax than what you're actually putting into the fund and making in growth. But if you're kind of happy with where it is at the moment, we can just leave it as it is for the time being. You've got time to work out what you wanna do. We can catch up in a few months' time if you like, and we can decide down the track whether we, you know, move back into super phase, like, into the accumulation phase, whether you wanna go back to work, or whether you're happy just, you know, staying as you are for the time being and being fully retired, essentially. Does that make sense? Yeah. With your advice, Caroline, if if Neil's happy to stay where he is at the moment, like, I'd like to sort of maybe update yours. But if we're happy just to stay where we are, I can even just leave your advice as it is for the time being. There was no changes to be made until you turn 60, and we can always catch up maybe a couple of months out. So you're 60 in October, aren't you? September. Sorry. Yeah. Yeah. Yeah. The September 9. Yeah. Did you want me to maybe update the advice to reflect you working a bit longer to, say, the end of the year, or did you want me to just leave it as is and we maybe touch base in September to see whether you do wanna retire and take the funds out or what you wanna do with the with your working? What would you like me to do? Mhmm. Yep. Yep. Did you want no. That's okay. Did you want me to look at doing the advice and reflecting on things now for you, or do you wanna touch base maybe closer to your birthday to see how you feel, how the job's going? Yeah. End of the year? Yep. That's okay. That's okay. Beautiful. So you probably work to the end of the year. Excellent. That's alright. Are you comfortable with me just going back and having a look at things? Maybe just update the advice to reflect and sort of show you what sort of growth we might expect out of the super up till, say, the Christmas to December? Is that okay? Yep. Beautiful. Do you think after that time you might be wanting to look at with withdrawing the funds out, or do you think what's the last what are you wanting to work longer than that, do you think? Yeah. No. That's okay. Yep. No. That's okay. Yeah. No. That's yes. Yeah. That's okay. Do you think you'll wanna use your super for towards the caravan? Or because I know one of the things we talked about was maybe if you did retire, drawing the funds out, maybe incorporating it into your super and try to put everything in one place and grow it a bit more? What do you sort of what what do you think your plans might be from next year onwards? Have you sort of talked about what you'd like to do, when you might like to buy the caravan, what, you know, retirement looks like moving forward? Yes. Okay. Yep. Yep. No. That's okay. That's absolutely fine. Can I ask, with your take home pay, you now you sort of said that with what, Carol, and you're earning, it's kind of covering your expenses at the moment? What is your average take home pay? What are you sort of getting in hand at the end of the week or the fortnight? Average. 1,100? Yeah. Fantastic. And that's per week or fortnight? Sorry. Per fortnight. Beautiful. Excellent. And that's covering everything nicely because, I mean, the other side of that $1.60 was to leave you all complete leave you both completely debt free. So you are finding that fairly comfortable for you? Yep. Yep. Beautiful. That's okay. There's nothing wrong with that at all. That's absolutely fine. Easy. Well, if you like, what I could do and, look, you're allowed to tell me no. You're allowed to sort of say if you don't wanna do this. You know, all of your advice feels fairly comfortable for the time being, so I can leave that side of things as it is if you want. Caroline, I can update yours. I can just go back back maybe have a look at the investment, see if it's worth changing the investments now, and maybe look at what your contributions are going in. And we could maybe just do a limited scope sort of advice document to see what this looks like up to, say, the end of the year with what the projected balance might look like. Is that okay? Yep. Beautiful. If I do the research and come back and say, hey. There's really no point in making the switch with the investment, then I may come back and say, hey. Let's just leave everything as it is for the moment and then catch up when you turn 60 and decide what you wanna do and maybe update the advice then. But I'll go back and just do the research for now to see what that looks like. Is that okay? Yes. Beautiful. Lovely. Excellent. So I'll look at the investments within super and see if there's any need to switch them. If there's not, we can do a catch up closer to your birthday and decide whether you wanna keep working longer or what you wanna do. The other side of it is, like, even as much as the advice is there, if you decide that you don't wanna withdraw the funds, you wanna keep working past 50, that's absolutely fine. If you decide, no, a month later, you've had enough and you wanna stop working and retire a bit, that's absolutely fine as well. We'll we'll work within your time frame. Okay. Beautiful. That's okay. That's honestly fine. That's absolutely fine. It's what I do. That's what you pay me for. Well, it's what you pay your ongoing service fee for. Beautiful. All good. And, Neil, do you think are you sort of thinking with next year? I don't know. Next year is six months away. There's a lot that could change that time frame, but do you have any idea if you are maybe wanting to, you know, look at going back into work or anything next year onwards or year sort of hoping to just enjoy retirement as long as you can. Okay. Beautiful. That's not a bad thing. Beautiful. Well, it's yeah. No. That's all good. Well, if you decide you wanna take something on, it does mean to be able to receive contributions, we'll need to roll you back into the accumulation phase. So what I'll do is, Carol, I'll go back and just do a bit of research. I'll look at the difference of changing the portfolio, whether it's worth doing it, what the growth looks like. If I come back and go, hey. It's really not worth doing, I'll let you know that we should probably hold off, and then we'll do a catch up around it at your birthday before we implement anything for the previous document. And then we can always update the advice then or even just make some changes, essentially, to alter the advice. It doesn't have to be a whole big SOA. It can just be a phone note saying that you don't wanna withdraw the funds. You wanna keep working for another few months. So I can always just do up that sort of file note for you and just a record of advice to reflect the change. Does that make sense? Do you have any questions? Yes. You will if if you do have questions, please let me know. I know it's sort of a lot to go through, and there's a lot of considerations to take into it. Oh, good. Good. Good. No. Fantastic. Okay. Yep. Yep. No. That's alright. Yep. No. That's absolutely fine. Not a problem. If anything changes with yourself, Neil, let me know. In the meantime, I'll just do a little bit of research here around Carol and Sue, but whether it's worth making any changes. I don't wanna check the same as last time. I don't wanna make any changes to your investments if it's gonna mean there's tax consequences to your Sue for that. The growth doesn't make up quickly. If the if we can make the changes and then the growth that comes out of that plus the contributions over the next six months, if that works out preferable and worthwhile, then absolutely. And what I might even do, depending on what what comes out of my research, I might even just do a joint document noting that, you know, all your recommendations remain the same. I'll just kinda go back and review everything, have a look at it all, update your advice to reflect appropriately, and then I'll come back and let you know what what the reset shows me I should do. Is that okay for you both? Do you yes. Yep. Beautiful. Excellent. Excellent. Other than that, have you paid off the mortgage as of now? Is it all paid off now? Yeah? Mhmm. Okay. Fantastic. Honestly and look. You're completely debt free now. You own your own home. That is amazing. Most people would honestly die to be in that kind of a position. Like, a lot of people are freaking out now going, will I ever own a home? That's amazing. Yes. Yes. Yeah. Absolutely. Absolutely. We did also have it down that you had a loan on the Triton as well over that 28,000 there. Did you pay that loan out as well? Yep. All done. Fantastic. Beautiful. Did you go out for dinner or do anything nice to celebrate paying it all off? Hasn't hit home yet? I love it. That's fantastic. Yeah. Yeah. No. That's fantastic. Your hard work is paying off. It is really, really good to see. And do you have some funds left sitting in savings, like a rainy day or is it a bit of a buffer? Yep. How much do you have sort of sitting in the savings at the moment? 3,000? Beautiful. Excellent. Lovely. And, Neil, I'll just change your income to 0 for the moment. I'll note down here fully retired. Beautiful. And, look, if you decide to take on a role and wanna roll back into accumulation, just let me know. I'll get the team to book you in ASAP so we can talk about it. I can update the advice, and we can look at, obviously, how that tracks for you moving forward as well. Okay? And I can do that sort of thing very, very quickly for you if need be. Okay? Excellent. All good. Other than that, I'm just double checking to see if there's anything else that I need to update for you at the moment. Everything else looks like it's pretty accurate. Carolyn, you're not salary sacrificing or wanting to put additional into super at the moment, are you? Are you wanting to look at maybe adding some extra into your super to sort of provide a bigger buffer and boost it a bit more? Yep. Yep. Yep. Mhmm. Yeah. Absolutely. Yes. Abs absolutely. We can definitely do that. You don't I can always factor into advice, or you can just request that we do so So long as you're underneath the cap, whether it be concessional or non concessional, you and I could always talk about that when you've got extra funds. If you ring in your hand, like, to make additional contributions, I'll fit you in. We'll chat about what options you have, what works for you. It it'll take me a couple of weeks to do the research for you for this advice. But if it comes up in the next few weeks that you want me to incorporate it, just give me a buzz, and I can, you know, add that into the advice piece for you, or we can just do it at your request. But you can absolutely do that. It's not a problem at all. Yeah. Perfect. Yep. Yep. Yeah. Absolutely. Not a problem at all. Well, I'll just go back to the drawing board, do a little bit of an update for you, and I'll let you know how I go. I'll let you know whether it's worth updating your advice or not and what this looks like, and then we'll definitely make sure we do a catch up with you prior to your birthday at least just to see how things are going for you and see if there's any changes that you wanna make to your circumstance or your retirement plan. Okay? Fantastic. Is there any questions that either of you might have for me at the moment? Anything else that you might want me to look up, do for you, research for you? Or oh, that's really good. Perfect. Just wanna make sure that we keep up to date, keep catching up, see how things are going for you, and make alterations as you guys need them to happen as well. Okay. Fantastic. Lovely. Well, I will get cracking on the research. I'll let you know how I go. And, yeah, I'll let you know if there's anything else we need, any other additional questions. Or if you guys have anything for me, you just let me know, and we'll make time to catch up. Okay? Easy. Thank you so much for your time. I really appreciate it. I hope you guys have a lovely night and a great weekend. Thank you so much. Enjoy going out and celebrating that home loan being paid off. Awesome. Thank you so much for your time. I'll let you go. You have an amazing evening. 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Caroline. It's Dana from Oakey Financial. How are you? That's good. I had yourself and Neil booked in for a bit of a catch up this afternoon.\n\nIs now still a good time for you both? Yeah. That's okay. You're right. Oh, all good.\n\nAll good. Caroline, just while we are while Neil's on the way over, I'll just get you to confirm, I we do record our calls for quality and training purposes. Are you both happy for us to proceed with that? Fantastic. And just to do a really quick security check that we do as well, if you can just confirm your full name, your date of birth, and address I should have on file.\n\nYep. Beautiful. Thank you so much for that. And how's your day been? Neil made mention you got a new job.\n\nAre you enjoying it? Yes. It oh, fantastic. Fantastic. And in income wise, what are you sorta on at the moment with this new role?\n\nAre you on just a salary or an hourly wage? Yep. All good. How much are you sort of on hourly at the moment? 34 per hour?\n\nBeautiful. And how yes. That's okay. 34. And how many hours per week are you working on average?\n\nYep. Okay. Yeah. When you finish training, do you know what you should be sort of doing averaging? Yep.\n\nYep. No. That's okay. Yeah. All good.\n\nAnd what's the new role that you're doing? Oh, fantastic. Yeah. No. That's fantastic.\n\nHow are you, Neil? Good to talk to you both. That's that's good. Now I do wanna confirm that $1.60 was withdrawn out. Have you received that in your bank account?\n\nIt's all good? Yes. Easy. Not a problem at all. So with the catch up today, I just wanted to sort of reevaluate the advice because, obviously, the the original advice provided was to move into pension to draw the $1.60 down so you can become completely debt free.\n\nBut then the next part of the advice was to for Neil, for you to stay in pension phase, and as of next financial year, start drawing an income. And, Caroline, you are planning to retire or stop working in at the end of the year when you turn 60, but there's been some changes. So, Neil, last time we spoke, you were thinking about going back to work or, you know, something along those lines. And Carolyn, we're not sure if you'd wanna retire now in the next when you turn 60. Yep.\n\nYep. Yep. Yes. Yep. No.\n\nThat's okay. That's not a problem at all. So what I'd probably like to do now, if that's okay with you guys, is maybe update the advice to reflect. Because at the moment with the last advice piece, the team is sort of sitting there expecting that you might wanna retire. So what I'd probably like to do is look at your circumstances with the changes.\n\nCaroline, did you want me to maybe look at what it looks like for you if you continue to work past the age of 60 to sort of see how that goes? And if you decide in the next few months you wanna change your mind and stop working, you can tell me. I can update the advice again. We can, you know, withdraw the money out at your request. There's plenty of ways we can go with that.\n\nBut did you want me to maybe update the advice now to reflect working past 60 and what that maybe looks like for your super moving forward? Okay. No worries. And what that looks like? No.\n\nYou have nothing to apologize for. I love this stuff. Honestly, like, if you ring me in a month's time ago, hey. Thanks for that. Love that we're gonna retire.\n\nI'll go, cool. Let's do it again. Let's go. No. It is absolutely fine.\n\nThis is what I live for, honestly. Perfect. Well, we have done the I'll probably look at maybe switching the investments now for you as well, Caroline, because we didn't do it last time because it didn't work out worthwhile. But if you are kind of enjoying a job and there is a chance you might wanna work a bit longer, let's say, maybe another one, two, or three years, even if you just wanna work till the end of the year and then retire, it might still be worth just switching up the investment. The main reason we did it last time was that the capital gains consequences put you in a negative position, and then you didn't really have the time to make that money back prior to you turning 60 at the end of the year.\n\nSo are you happy with me to reevaluate the investments and maybe update those for you as well and maybe look at the next twelve months. Or how far how far down the track do you want me to look at for this advice, please? Six months. Yep. Yep.\n\nYeah. Okay. Yeah. Yeah. Oh, that's good.\n\nYeah. Yeah. No. That's good. I'm glad you're really enjoying it because I know with your last job, you were just really over it, couldn't wait to retire.\n\nYou just you know, it was it was enough. Yeah. Oh, that's fantastic. Yeah. Oh, look.\n\nThis opportunity was meant to be. It's they give you something else to focus on. If it's you know, you're learning something new, gaining new skills, and enjoying something different for a while, that's an absolute benefit. Love that. Hard.\n\nYeah. Absolutely. Absolutely. No. Not a problem.\n\nWell, I'll I'll update your advice and maybe reflect working forward to the next six months and still seeing how that works for you. I can sort of just maybe update the projections and show you what that looks like for you so far, you know, in that time frame. Neil, with yourself, are you planning on going back to work? That was something we sort of discussed. You're planning on maybe going back to work or getting a new job, or what's your plans moving forward?\n\nOkay. Yep. That's okay. Okay. Perfect.\n\nThat's okay. So with the the pension account you have at the moment, it's sitting in pension phase currently. So we've drawn down the 160,000, which was essentially, I've drawn it down as a pension payment, so you don't have to draw anything else out of that pension for this financial year, which is great. Essentially, we can sit as it is until, say, the July 1 next year, and then we need to consider the minimum pension payment for next financial year, which won't be a lot. The current balance you have in there at the moment, and I'll just go back to it for you, sorry, is $150,157,897 there.\n\nWe've got a yeah. So we've got a couple of options. We can look to keep you in pension phase. As I said, you don't have to draw anything else out of the time being. If you decide you want, you absolutely can.\n\nThe benefit to it sitting in pension phase is that there's no income tax or capital gains tax consequences for where we are at the moment. So, essentially, sitting in pension, any growth or any income earned from the portfolio is reinvested back, but your super fund doesn't pay any tax on that. The other option is we can always move you back into accumulation phase, which is where you were in the super, you know, accumulation phase prior to this. You don't have to then draw anything out of that. Sitting in accumulation phase, there are tax consequences.\n\nSo your super does pay 15% tax on income and CGT. You get a a discount if you've held the asset for more than twelve months, but there are tax consequences in there. So are you kind of planning on wanting to maybe put anything back into that, or are you sort of just happy to let it sit for the moment? What are you sort of thinking? Okay.\n\nLeaving it sit? Yes. That's that's Well, the way it is at the moment so in pension phase, we can't actually make any additional contributions to it. In order to make additional contributions to it, we actually have to move it back into the accumulation phase. In saying that it really sorry.\n\nYou're right, Caroline. No. No. You actually don't pay any tax on it at all. It's just that inside super your super fund, just like you, does a tax return every year because it's a trust.\n\nIt's a separate entity. And so the trustee of the super fund does a tax return. They pay income tax and capital gains tax and things like that. And that's why when we did the advice, we wanted to sort of, you know, move you into pension phase to that income you draw drew down was completely tax free for you, but there was no income there was no tax consequences in the inside the funds for doing that. So it can sit there as it is.\n\nIf we do move it back to accumulation phase and we start making contributions to it, I wanna make sure the contributions going in made it worthwhile, making sure that you're not paying more in tax than what you're actually putting into the fund and making in growth. But if you're kind of happy with where it is at the moment, we can just leave it as it is for the time being. You've got time to work out what you wanna do. We can catch up in a few months' time if you like, and we can decide down the track whether we, you know, move back into super phase, like, into the accumulation phase, whether you wanna go back to work, or whether you're happy just, you know, staying as you are for the time being and being fully retired, essentially. Does that make sense?\n\nYeah. With your advice, Caroline, if if Neil's happy to stay where he is at the moment, like, I'd like to sort of maybe update yours. But if we're happy just to stay where we are, I can even just leave your advice as it is for the time being. There was no changes to be made until you turn 60, and we can always catch up maybe a couple of months out. So you're 60 in October, aren't you?\n\nSeptember. Sorry. Yeah. Yeah. Yeah.\n\nThe September 9. Yeah. Did you want me to maybe update the advice to reflect you working a bit longer to, say, the end of the year, or did you want me to just leave it as is and we maybe touch base in September to see whether you do wanna retire and take the funds out or what you wanna do with the with your working? What would you like me to do? Mhmm.\n\nYep. Yep. Did you want no. That's okay. Did you want me to look at doing the advice and reflecting on things now for you, or do you wanna touch base maybe closer to your birthday to see how you feel, how the job's going?\n\nYeah. End of the year? Yep. That's okay. That's okay.\n\nBeautiful. So you probably work to the end of the year. Excellent. That's alright. Are you comfortable with me just going back and having a look at things?\n\nMaybe just update the advice to reflect and sort of show you what sort of growth we might expect out of the super up till, say, the Christmas to December? Is that okay? Yep. Beautiful. Do you think after that time you might be wanting to look at with withdrawing the funds out, or do you think what's the last what are you wanting to work longer than that, do you think?\n\nYeah. No. That's okay. Yep. No.\n\nThat's okay. Yeah. No. That's yes. Yeah.\n\nThat's okay. Do you think you'll wanna use your super for towards the caravan? Or because I know one of the things we talked about was maybe if you did retire, drawing the funds out, maybe incorporating it into your super and try to put everything in one place and grow it a bit more? What do you sort of what what do you think your plans might be from next year onwards? Have you sort of talked about what you'd like to do, when you might like to buy the caravan, what, you know, retirement looks like moving forward?\n\nYes. Okay. Yep. Yep. No.\n\nThat's okay. That's absolutely fine. Can I ask, with your take home pay, you now you sort of said that with what, Carol, and you're earning, it's kind of covering your expenses at the moment? What is your average take home pay? What are you sort of getting in hand at the end of the week or the fortnight?\n\nAverage. 1,100? Yeah. Fantastic. And that's per week or fortnight?\n\nSorry. Per fortnight. Beautiful. Excellent. And that's covering everything nicely because, I mean, the other side of that $1.60 was to leave you all complete leave you both completely debt free.\n\nSo you are finding that fairly comfortable for you? Yep. Yep. Beautiful. That's okay.\n\nThere's nothing wrong with that at all. That's absolutely fine. Easy. Well, if you like, what I could do and, look, you're allowed to tell me no. You're allowed to sort of say if you don't wanna do this.\n\nYou know, all of your advice feels fairly comfortable for the time being, so I can leave that side of things as it is if you want. Caroline, I can update yours. I can just go back back maybe have a look at the investment, see if it's worth changing the investments now, and maybe look at what your contributions are going in. And we could maybe just do a limited scope sort of advice document to see what this looks like up to, say, the end of the year with what the projected balance might look like. Is that okay?\n\nYep. Beautiful. If I do the research and come back and say, hey. There's really no point in making the switch with the investment, then I may come back and say, hey. Let's just leave everything as it is for the moment and then catch up when you turn 60 and decide what you wanna do and maybe update the advice then.\n\nBut I'll go back and just do the research for now to see what that looks like. Is that okay? Yes. Beautiful. Lovely.\n\nExcellent. So I'll look at the investments within super and see if there's any need to switch them. If there's not, we can do a catch up closer to your birthday and decide whether you wanna keep working longer or what you wanna do. The other side of it is, like, even as much as the advice is there, if you decide that you don't wanna withdraw the funds, you wanna keep working past 50, that's absolutely fine. If you decide, no, a month later, you've had enough and you wanna stop working and retire a bit, that's absolutely fine as well.\n\nWe'll we'll work within your time frame. Okay. Beautiful. That's okay. That's honestly fine.\n\nThat's absolutely fine. It's what I do. That's what you pay me for. Well, it's what you pay your ongoing service fee for. Beautiful.\n\nAll good. And, Neil, do you think are you sort of thinking with next year? I don't know. Next year is six months away. There's a lot that could change that time frame, but do you have any idea if you are maybe wanting to, you know, look at going back into work or anything next year onwards or year sort of hoping to just enjoy retirement as long as you can.\n\nOkay. Beautiful. That's not a bad thing. Beautiful. Well, it's yeah.\n\nNo. That's all good. Well, if you decide you wanna take something on, it does mean to be able to receive contributions, we'll need to roll you back into the accumulation phase. So what I'll do is, Carol, I'll go back and just do a bit of research. I'll look at the difference of changing the portfolio, whether it's worth doing it, what the growth looks like.\n\nIf I come back and go, hey. It's really not worth doing, I'll let you know that we should probably hold off, and then we'll do a catch up around it at your birthday before we implement anything for the previous document. And then we can always update the advice then or even just make some changes, essentially, to alter the advice. It doesn't have to be a whole big SOA. It can just be a phone note saying that you don't wanna withdraw the funds.\n\nYou wanna keep working for another few months. So I can always just do up that sort of file note for you and just a record of advice to reflect the change. Does that make sense? Do you have any questions? Yes.\n\nYou will if if you do have questions, please let me know. I know it's sort of a lot to go through, and there's a lot of considerations to take into it. Oh, good. Good. Good.\n\nNo. Fantastic. Okay. Yep. Yep.\n\nNo. That's alright. Yep. No. That's absolutely fine.\n\nNot a problem. If anything changes with yourself, Neil, let me know. In the meantime, I'll just do a little bit of research here around Carol and Sue, but whether it's worth making any changes. I don't wanna check the same as last time. I don't wanna make any changes to your investments if it's gonna mean there's tax consequences to your Sue for that.\n\nThe growth doesn't make up quickly. If the if we can make the changes and then the growth that comes out of that plus the contributions over the next six months, if that works out preferable and worthwhile, then absolutely. And what I might even do, depending on what what comes out of my research, I might even just do a joint document noting that, you know, all your recommendations remain the same. I'll just kinda go back and review everything, have a look at it all, update your advice to reflect appropriately, and then I'll come back and let you know what what the reset shows me I should do. Is that okay for you both?\n\nDo you yes. Yep. Beautiful. Excellent. Excellent.\n\nOther than that, have you paid off the mortgage as of now? Is it all paid off now? Yeah? Mhmm. Okay.\n\nFantastic. Honestly and look. You're completely debt free now. You own your own home. That is amazing.\n\nMost people would honestly die to be in that kind of a position. Like, a lot of people are freaking out now going, will I ever own a home? That's amazing. Yes. Yes.\n\nYeah. Absolutely. Absolutely. We did also have it down that you had a loan on the Triton as well over that 28,000 there. Did you pay that loan out as well?\n\nYep. All done. Fantastic. Beautiful. Did you go out for dinner or do anything nice to celebrate paying it all off?\n\nHasn't hit home yet? I love it. That's fantastic. Yeah. Yeah.\n\nNo. That's fantastic. Your hard work is paying off. It is really, really good to see. And do you have some funds left sitting in savings, like a rainy day or is it a bit of a buffer?\n\nYep. How much do you have sort of sitting in the savings at the moment? 3,000? Beautiful. Excellent.\n\nLovely. And, Neil, I'll just change your income to 0 for the moment. I'll note down here fully retired. Beautiful. And, look, if you decide to take on a role and wanna roll back into accumulation, just let me know.\n\nI'll get the team to book you in ASAP so we can talk about it. I can update the advice, and we can look at, obviously, how that tracks for you moving forward as well. Okay? And I can do that sort of thing very, very quickly for you if need be. Okay?\n\nExcellent. All good. Other than that, I'm just double checking to see if there's anything else that I need to update for you at the moment. Everything else looks like it's pretty accurate. Carolyn, you're not salary sacrificing or wanting to put additional into super at the moment, are you?\n\nAre you wanting to look at maybe adding some extra into your super to sort of provide a bigger buffer and boost it a bit more? Yep. Yep. Yep. Mhmm.\n\nYeah. Absolutely. Yes. Abs absolutely. We can definitely do that.\n\nYou don't I can always factor into advice, or you can just request that we do so So long as you're underneath the cap, whether it be concessional or non concessional, you and I could always talk about that when you've got extra funds. If you ring in your hand, like, to make additional contributions, I'll fit you in. We'll chat about what options you have, what works for you. It it'll take me a couple of weeks to do the research for you for this advice. But if it comes up in the next few weeks that you want me to incorporate it, just give me a buzz, and I can, you know, add that into the advice piece for you, or we can just do it at your request.\n\nBut you can absolutely do that. It's not a problem at all. Yeah. Perfect. Yep.\n\nYep. Yeah. Absolutely. Not a problem at all. Well, I'll just go back to the drawing board, do a little bit of an update for you, and I'll let you know how I go.\n\nI'll let you know whether it's worth updating your advice or not and what this looks like, and then we'll definitely make sure we do a catch up with you prior to your birthday at least just to see how things are going for you and see if there's any changes that you wanna make to your circumstance or your retirement plan. Okay? Fantastic. Is there any questions that either of you might have for me at the moment? Anything else that you might want me to look up, do for you, research for you?\n\nOr oh, that's really good. Perfect. Just wanna make sure that we keep up to date, keep catching up, see how things are going for you, and make alterations as you guys need them to happen as well. Okay. Fantastic.\n\nLovely. Well, I will get cracking on the research. I'll let you know how I go. And, yeah, I'll let you know if there's anything else we need, any other additional questions. Or if you guys have anything for me, you just let me know, and we'll make time to catch up.\n\nOkay? Easy. Thank you so much for your time. I really appreciate it. I hope you guys have a lovely night and a great weekend.\n\nThank you so much. Enjoy going out and celebrating that home loan being paid off. Awesome. Thank you so much for your time. I'll let you go.\n\nYou have an amazing evening. I'll talk to you both very soon.","paragraphs":[{"sentences":[{"text":"Hi, Caroline.","start":3.9199998,"end":4.66,"sentiment":"neutral","sentiment_score":0.13581354171037674},{"text":"It's Dana from Oakey Financial.","start":4.72,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.14498862326145173},{"text":"How are you?","start":6.3999996,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.16732288400332132},{"text":"That's good.","start":9.36,"end":10.0,"sentiment":"positive","sentiment_score":0.7213598787784576},{"text":"I had yourself and Neil booked in for a bit of a catch up this afternoon.","start":10.0,"end":13.2,"sentiment":"positive","sentiment_score":0.4011333417147398}],"sentiment":"positive","sentiment_score":0.33426400274038315,"num_words":28,"start":3.9199998,"end":13.2},{"sentences":[{"text":"Is now still a good time for you both?","start":13.2,"end":15.139999,"sentiment":"positive","sentiment_score":0.36969364020559525},{"text":"Yeah.","start":19.565,"end":19.725,"sentiment":"neutral","sentiment_score":0.07985807955265045},{"text":"That's okay.","start":19.725,"end":20.445,"sentiment":"neutral","sentiment_score":0.08646121248602867},{"text":"You're right.","start":20.445,"end":21.185001,"sentiment":"neutral","sentiment_score":0.09188313037157059},{"text":"Oh, all good.","start":27.725,"end":28.765,"sentiment":"positive","sentiment_score":0.397452175617218}],"sentiment":"neutral","sentiment_score":0.29153800317469764,"num_words":17,"start":13.2,"end":28.765},{"sentences":[{"text":"All good.","start":28.765,"end":29.49,"sentiment":"positive","sentiment_score":0.3917309641838074},{"text":"Caroline, just while we are while Neil's on the way over, I'll just get you to confirm, I we do record our calls for quality and training purposes.","start":29.81,"end":37.829998,"sentiment":"neutral","sentiment_score":0.12259710101144654},{"text":"Are you both happy for us to proceed with that?","start":37.89,"end":40.309998,"sentiment":"neutral","sentiment_score":0.20775842517614365},{"text":"Fantastic.","start":42.37,"end":42.87,"sentiment":"positive","sentiment_score":0.5600972771644592},{"text":"And just to do a really quick security check that we do as well, if you can just confirm your full name, your date of birth, and address I should have on file.","start":43.815002,"end":50.555,"sentiment":"neutral","sentiment_score":0.22281299712079944}],"sentiment":"neutral","sentiment_score":0.19198231338649183,"num_words":74,"start":28.765,"end":50.555},{"sentences":[{"text":"Yep.","start":53.255,"end":53.755,"sentiment":"neutral","sentiment_score":0.02483341656625271},{"text":"Beautiful.","start":56.935,"end":57.415,"sentiment":"positive","sentiment_score":0.47280025482177734},{"text":"Thank you so much for that.","start":57.415,"end":59.035,"sentiment":"positive","sentiment_score":0.5961770912011465},{"text":"And how's your day been?","start":59.07,"end":60.27,"sentiment":"neutral","sentiment_score":0.3041562080383301},{"text":"Neil made mention you got a new job.","start":60.27,"end":62.21,"sentiment":"neutral","sentiment_score":0.08555983006954193}],"sentiment":"neutral","sentiment_score":0.2990455190163283,"num_words":21,"start":53.255,"end":62.21},{"sentences":[{"text":"Are you enjoying it?","start":65.63,"end":66.93,"sentiment":"neutral","sentiment_score":0.2510870061814785},{"text":"Yes.","start":71.15,"end":71.65,"sentiment":"neutral","sentiment_score":0.018189184367656708},{"text":"It oh, fantastic.","start":75.745,"end":77.765,"sentiment":"positive","sentiment_score":0.5753481884797415},{"text":"Fantastic.","start":77.985,"end":78.485,"sentiment":"positive","sentiment_score":0.5259376168251038},{"text":"And in income wise, what are you sorta on at the moment with this new role?","start":79.985,"end":84.785,"sentiment":"neutral","sentiment_score":0.029505061567761004}],"sentiment":"neutral","sentiment_score":0.149864015057683,"num_words":25,"start":65.63,"end":84.785},{"sentences":[{"text":"Are you on just a salary or an hourly wage?","start":84.785,"end":87.72,"sentiment":"neutral","sentiment_score":0.004613442718982697},{"text":"Yep.","start":90.68,"end":91.18,"sentiment":"neutral","sentiment_score":0.03696107491850853},{"text":"All good.","start":92.04,"end":92.78,"sentiment":"neutral","sentiment_score":0.13518214970827103},{"text":"How much are you sort of on hourly at the moment?","start":93.32,"end":95.82,"sentiment":"neutral","sentiment_score":0.021541054106571457},{"text":"34 per hour?","start":98.44,"end":99.74,"sentiment":"neutral","sentiment_score":0.013624567072838545}],"sentiment":"neutral","sentiment_score":0.023380929552432563,"num_words":27,"start":84.785,"end":99.74},{"sentences":[{"text":"Beautiful.","start":99.880005,"end":100.380005,"sentiment":"neutral","sentiment_score":0.15316253900527954},{"text":"And how yes.","start":101.055,"end":102.815,"sentiment":"neutral","sentiment_score":0.0499374084174633},{"text":"That's okay.","start":102.815,"end":103.635,"sentiment":"neutral","sentiment_score":0.06762586906552315},{"text":"34.","start":104.095,"end":104.735,"sentiment":"neutral","sentiment_score":0.016817884519696236},{"text":"And how many hours per week are you working on average?","start":104.735,"end":107.635,"sentiment":"neutral","sentiment_score":0.004770913161337376}],"sentiment":"neutral","sentiment_score":0.028195801760173507,"num_words":18,"start":99.880005,"end":107.635},{"sentences":[{"text":"Yep.","start":114.895004,"end":115.395004,"sentiment":"neutral","sentiment_score":-0.00993360485881567},{"text":"Okay.","start":115.695,"end":116.195,"sentiment":"neutral","sentiment_score":-0.011457270942628384},{"text":"Yeah.","start":121.27,"end":121.77,"sentiment":"neutral","sentiment_score":-0.02233593538403511},{"text":"When you finish training, do you know what you should be sort of doing averaging?","start":121.829994,"end":126.329994,"sentiment":"neutral","sentiment_score":-0.002465425214419762},{"text":"Yep.","start":131.03,"end":131.415,"sentiment":"neutral","sentiment_score":-0.18132302165031433}],"sentiment":"neutral","sentiment_score":-0.013791116371162628,"num_words":19,"start":114.895004,"end":131.415},{"sentences":[{"text":"Yep.","start":135.09499,"end":135.575,"sentiment":"neutral","sentiment_score":-0.06397952139377594},{"text":"No.","start":135.575,"end":135.81499,"sentiment":"neutral","sentiment_score":-0.16761073470115662},{"text":"That's okay.","start":135.81499,"end":136.635,"sentiment":"neutral","sentiment_score":-0.009279176592826843},{"text":"Yeah.","start":137.415,"end":137.915,"sentiment":"neutral","sentiment_score":0.1994729042053223},{"text":"All good.","start":138.69499,"end":139.415,"sentiment":"positive","sentiment_score":0.3624190092086792}],"sentiment":"neutral","sentiment_score":0.0963089019060135,"num_words":7,"start":135.09499,"end":139.415},{"sentences":[{"text":"And what's the new role that you're doing?","start":139.415,"end":141.515,"sentiment":"neutral","sentiment_score":0.05190678033977747},{"text":"Oh, fantastic.","start":145.89499,"end":146.795,"sentiment":"positive","sentiment_score":0.5905065536499023},{"text":"Yeah.","start":152.11,"end":152.61,"sentiment":"neutral","sentiment_score":0.1499883234500885},{"text":"No.","start":152.67,"end":152.98999,"sentiment":"neutral","sentiment_score":0.15787819027900696},{"text":"That's fantastic.","start":152.98999,"end":153.73,"sentiment":"positive","sentiment_score":0.5151135325431824}],"sentiment":"neutral","sentiment_score":0.20959720920239175,"num_words":14,"start":139.415,"end":153.73},{"sentences":[{"text":"How are you, Neil?","start":154.34999,"end":155.47,"sentiment":"positive","sentiment_score":0.3429785594344139},{"text":"Good to talk to you both.","start":155.47,"end":156.84999,"sentiment":"positive","sentiment_score":0.41247419516245526},{"text":"That's that's good.","start":159.62999,"end":161.255,"sentiment":"positive","sentiment_score":0.5073813199996948},{"text":"Now I do wanna confirm that $1.60 was withdrawn out.","start":161.55501,"end":165.815,"sentiment":"neutral","sentiment_score":0.14846420735120774},{"text":"Have you received that in your bank account?","start":165.875,"end":167.955,"sentiment":"neutral","sentiment_score":0.09686754271388054}],"sentiment":"neutral","sentiment_score":0.24608018657853525,"num_words":31,"start":154.34999,"end":167.955},{"sentences":[{"text":"It's all good?","start":167.955,"end":168.77501,"sentiment":"neutral","sentiment_score":0.22409390906492868},{"text":"Yes.","start":170.675,"end":171.175,"sentiment":"neutral","sentiment_score":0.1825883686542511},{"text":"Easy.","start":171.395,"end":171.895,"sentiment":"neutral","sentiment_score":0.21453456580638883},{"text":"Not a problem at all.","start":171.955,"end":173.475,"sentiment":"neutral","sentiment_score":0.08315662667155266},{"text":"So with the catch up today, I just wanted to sort of reevaluate the advice because, obviously, the the original advice provided was to move into pension to draw the $1.60 down so you can become completely debt free.","start":173.475,"end":186.92,"sentiment":"neutral","sentiment_score":0.032874793912737794}],"sentiment":"neutral","sentiment_score":0.05647560729816252,"num_words":49,"start":167.955,"end":186.92},{"sentences":[{"text":"But then the next part of the advice was to for Neil, for you to stay in pension phase, and as of next financial year, start drawing an income.","start":187.29999,"end":194.96501,"sentiment":"neutral","sentiment_score":0.037919283105895436},{"text":"And, Caroline, you are planning to retire or stop working in at the end of the year when you turn 60, but there's been some changes.","start":195.905,"end":203.125,"sentiment":"neutral","sentiment_score":-0.016453057097700927},{"text":"So, Neil, last time we spoke, you were thinking about going back to work or, you know, something along those lines.","start":203.265,"end":209.37001,"sentiment":"neutral","sentiment_score":-0.026412091439678556},{"text":"And Carolyn, we're not sure if you'd wanna retire now in the next when you turn 60.","start":209.37001,"end":215.15001,"sentiment":"neutral","sentiment_score":-0.06535626279518884},{"text":"Yep.","start":222.325,"end":222.64499,"sentiment":"neutral","sentiment_score":0.038514651358127594}],"sentiment":"neutral","sentiment_score":-0.010162936285772223,"num_words":94,"start":187.29999,"end":222.64499},{"sentences":[{"text":"Yep.","start":222.64499,"end":223.14499,"sentiment":"neutral","sentiment_score":0.041703760623931885},{"text":"Yep.","start":226.485,"end":226.985,"sentiment":"neutral","sentiment_score":0.04214754328131676},{"text":"Yes.","start":232.00499,"end":232.50499,"sentiment":"neutral","sentiment_score":0.08469964563846588},{"text":"Yep.","start":234.92,"end":235.40001,"sentiment":"neutral","sentiment_score":0.0395343080163002},{"text":"No.","start":235.40001,"end":235.72,"sentiment":"neutral","sentiment_score":-7.066875696182251e-6}],"sentiment":"neutral","sentiment_score":0.04161563813686371,"num_words":5,"start":222.64499,"end":235.72},{"sentences":[{"text":"That's okay.","start":235.72,"end":236.44,"sentiment":"neutral","sentiment_score":0.07484029978513718},{"text":"That's not a problem at all.","start":236.44,"end":237.72,"sentiment":"neutral","sentiment_score":0.2105763629078865},{"text":"So what I'd probably like to do now, if that's okay with you guys, is maybe update the advice to reflect.","start":237.72,"end":242.44,"sentiment":"neutral","sentiment_score":0.0932040826023911},{"text":"Because at the moment with the last advice piece, the team is sort of sitting there expecting that you might wanna retire.","start":242.44,"end":249.845,"sentiment":"neutral","sentiment_score":-0.046639151786538685},{"text":"So what I'd probably like to do is look at your circumstances with the changes.","start":249.845,"end":254.74501,"sentiment":"neutral","sentiment_score":0.0037677958607673645}],"sentiment":"neutral","sentiment_score":0.03637697136781009,"num_words":66,"start":235.72,"end":254.74501},{"sentences":[{"text":"Caroline, did you want me to maybe look at what it looks like for you if you continue to work past the age of 60 to sort of see how that goes?","start":255.365,"end":263.38998,"sentiment":"neutral","sentiment_score":0.009621097648050636},{"text":"And if you decide in the next few months you wanna change your mind and stop working, you can tell me.","start":263.38998,"end":268.03,"sentiment":"neutral","sentiment_score":-0.030646753541770436},{"text":"I can update the advice again.","start":268.03,"end":269.47,"sentiment":"neutral","sentiment_score":0.04332421657939752},{"text":"We can, you know, withdraw the money out at your request.","start":269.47,"end":272.44998,"sentiment":"neutral","sentiment_score":0.0863834484056993},{"text":"There's plenty of ways we can go with that.","start":272.75,"end":274.815,"sentiment":"neutral","sentiment_score":0.12242395016882154}],"sentiment":"neutral","sentiment_score":0.025016102326821676,"num_words":79,"start":255.365,"end":274.815},{"sentences":[{"text":"But did you want me to maybe update the advice now to reflect working past 60 and what that maybe looks like for your super moving forward?","start":274.815,"end":282.11502,"sentiment":"neutral","sentiment_score":0.07288466587110802},{"text":"Okay.","start":287.215,"end":287.695,"sentiment":"neutral","sentiment_score":0.07403743267059326},{"text":"No worries.","start":287.695,"end":288.67502,"sentiment":"neutral","sentiment_score":0.07481774687767029},{"text":"And what that looks like?","start":290.4,"end":291.86,"sentiment":"neutral","sentiment_score":0.0403983186930418},{"text":"No.","start":292.47998,"end":292.8,"sentiment":"neutral","sentiment_score":-0.010817676782608032}],"sentiment":"neutral","sentiment_score":0.06618702282301253,"num_words":36,"start":274.815,"end":292.8},{"sentences":[{"text":"You have nothing to apologize for.","start":292.8,"end":294.96,"sentiment":"neutral","sentiment_score":-0.05668732958535353},{"text":"I love this stuff.","start":294.96,"end":296.16,"sentiment":"positive","sentiment_score":0.6130324304103851},{"text":"Honestly, like, if you ring me in a month's time ago, hey.","start":296.16,"end":299.44,"sentiment":"neutral","sentiment_score":0.21955180913209915},{"text":"Thanks for that.","start":299.44,"end":300.08,"sentiment":"positive","sentiment_score":0.5899778405825297},{"text":"Love that we're gonna retire.","start":300.08,"end":302.035,"sentiment":"positive","sentiment_score":0.6178165316581726}],"sentiment":"neutral","sentiment_score":0.32018812112510203,"num_words":30,"start":292.8,"end":302.035},{"sentences":[{"text":"I'll go, cool.","start":302.095,"end":302.735,"sentiment":"positive","sentiment_score":0.41411715745925903},{"text":"Let's do it again.","start":302.735,"end":303.455,"sentiment":"neutral","sentiment_score":0.26969601958990097},{"text":"Let's go.","start":303.455,"end":304.195,"sentiment":"neutral","sentiment_score":0.17100970447063446},{"text":"No.","start":307.375,"end":307.615,"sentiment":"neutral","sentiment_score":0.07153162360191345},{"text":"It is absolutely fine.","start":307.615,"end":309.055,"sentiment":"neutral","sentiment_score":0.24073302745819092}],"sentiment":"neutral","sentiment_score":0.26411562093666624,"num_words":14,"start":302.095,"end":309.055},{"sentences":[{"text":"This is what I live for, honestly.","start":309.055,"end":310.915,"sentiment":"positive","sentiment_score":0.33982726080077036},{"text":"Perfect.","start":312.095,"end":312.495,"sentiment":"positive","sentiment_score":0.5351681709289551},{"text":"Well, we have done the I'll probably look at maybe switching the investments now for you as well, Caroline, because we didn't do it last time because it didn't work out worthwhile.","start":312.495,"end":321.48,"sentiment":"neutral","sentiment_score":0.08107734406075906},{"text":"But if you are kind of enjoying a job and there is a chance you might wanna work a bit longer, let's say, maybe another one, two, or three years, even if you just wanna work till the end of the year and then retire, it might still be worth just switching up the investment.","start":322.34,"end":336.585,"sentiment":"neutral","sentiment_score":0.14202801470052112},{"text":"The main reason we did it last time was that the capital gains consequences put you in a negative position, and then you didn't really have the time to make that money back prior to you turning 60 at the end of the year.","start":337.60498,"end":349.06998,"sentiment":"neutral","sentiment_score":-0.22106404263864865}],"sentiment":"neutral","sentiment_score":0.025850049920192512,"num_words":139,"start":309.055,"end":349.06998},{"sentences":[{"text":"So are you happy with me to reevaluate the investments and maybe update those for you as well and maybe look at the next twelve months.","start":349.06998,"end":357.195,"sentiment":"neutral","sentiment_score":0.04441718549395983},{"text":"Or how far how far down the track do you want me to look at for this advice, please?","start":357.195,"end":361.535,"sentiment":"neutral","sentiment_score":0.00845474220420185},{"text":"Six months.","start":366.23502,"end":367.055,"sentiment":"neutral","sentiment_score":-0.01094836462289095},{"text":"Yep.","start":371.595,"end":371.94,"sentiment":"neutral","sentiment_score":-0.07361096143722534},{"text":"Yep.","start":373.46,"end":373.96,"sentiment":"neutral","sentiment_score":0.2700116038322449}],"sentiment":"neutral","sentiment_score":0.03040797628310262,"num_words":49,"start":349.06998,"end":373.96},{"sentences":[{"text":"Yeah.","start":379.3,"end":379.54,"sentiment":"neutral","sentiment_score":0.07307958602905273},{"text":"Okay.","start":379.54,"end":380.04,"sentiment":"neutral","sentiment_score":0.0822722315788269},{"text":"Yeah.","start":384.02,"end":384.52,"sentiment":"neutral","sentiment_score":-0.05248526856303215},{"text":"Yeah.","start":384.74,"end":385.24,"sentiment":"neutral","sentiment_score":-0.1255103200674057},{"text":"Oh, that's good.","start":388.86502,"end":390.165,"sentiment":"neutral","sentiment_score":0.14692813654740652}],"sentiment":"neutral","sentiment_score":0.059734376945665905,"num_words":7,"start":379.3,"end":390.165},{"sentences":[{"text":"Yeah.","start":390.86502,"end":391.36502,"sentiment":"neutral","sentiment_score":0.13725440204143524},{"text":"Yeah.","start":391.98502,"end":392.48502,"sentiment":"neutral","sentiment_score":0.13260960578918457},{"text":"No.","start":392.945,"end":393.185,"sentiment":"neutral","sentiment_score":0.14251752197742462},{"text":"That's good.","start":393.185,"end":393.665,"sentiment":"positive","sentiment_score":0.3909018337726593},{"text":"I'm glad you're really enjoying it because I know with your last job, you were just really over it, couldn't wait to retire.","start":393.665,"end":398.945,"sentiment":"positive","sentiment_score":0.46440435362898785}],"sentiment":"positive","sentiment_score":0.4241244761007173,"num_words":28,"start":390.86502,"end":398.945},{"sentences":[{"text":"You just you know, it was it was enough.","start":398.945,"end":400.965,"sentiment":"neutral","sentiment_score":0.28975487417644924},{"text":"Yeah.","start":401.7,"end":402.2,"sentiment":"neutral","sentiment_score":0.04027753323316574},{"text":"Oh, that's fantastic.","start":404.5,"end":410.44,"sentiment":"neutral","sentiment_score":-0.048629297564427056},{"text":"Yeah.","start":412.02,"end":412.52,"sentiment":"neutral","sentiment_score":0.10474153608083724},{"text":"Oh, look.","start":413.22,"end":413.94,"sentiment":"neutral","sentiment_score":0.17181138694286346}],"sentiment":"neutral","sentiment_score":0.18440923863090575,"num_words":16,"start":398.945,"end":413.94},{"sentences":[{"text":"This opportunity was meant to be.","start":413.94,"end":415.94,"sentiment":"neutral","sentiment_score":0.3094651997089386},{"text":"It's they give you something else to focus on.","start":415.94,"end":418.875,"sentiment":"neutral","sentiment_score":0.3238848149776459},{"text":"If it's you know, you're learning something new, gaining new skills, and enjoying something different for a while, that's an absolute benefit.","start":418.875,"end":425.935,"sentiment":"positive","sentiment_score":0.3769446218555624},{"text":"Love that.","start":426.075,"end":426.815,"sentiment":"positive","sentiment_score":0.4623403549194336},{"text":"Hard.","start":431.42,"end":431.92,"sentiment":"neutral","sentiment_score":-0.09041805565357208}],"sentiment":"positive","sentiment_score":0.3474699717015028,"num_words":40,"start":413.94,"end":431.92},{"sentences":[{"text":"Yeah.","start":431.98,"end":432.46002,"sentiment":"neutral","sentiment_score":0.0026546716690063477},{"text":"Absolutely.","start":432.46002,"end":432.96002,"sentiment":"neutral","sentiment_score":0.09794764220714568},{"text":"Absolutely.","start":433.42,"end":433.92,"sentiment":"neutral","sentiment_score":0.10175631940364838},{"text":"No.","start":434.7,"end":435.02002,"sentiment":"neutral","sentiment_score":0.07567037642002106},{"text":"Not a problem.","start":435.02002,"end":435.74002,"sentiment":"neutral","sentiment_score":0.1000877246260643}],"sentiment":"neutral","sentiment_score":0.08261316908257348,"num_words":7,"start":431.98,"end":435.74002},{"sentences":[{"text":"Well, I'll I'll update your advice and maybe reflect working forward to the next six months and still seeing how that works for you.","start":435.74002,"end":441.6,"sentiment":"neutral","sentiment_score":0.21213332191109657},{"text":"I can sort of just maybe update the projections and show you what that looks like for you so far, you know, in that time frame.","start":442.185,"end":448.365,"sentiment":"neutral","sentiment_score":0.16257481305645063},{"text":"Neil, with yourself, are you planning on going back to work?","start":450.025,"end":454.025,"sentiment":"neutral","sentiment_score":0.04486383362249895},{"text":"That was something we sort of discussed.","start":454.025,"end":455.23,"sentiment":"neutral","sentiment_score":0.05935364642313549},{"text":"You're planning on maybe going back to work or getting a new job, or what's your plans moving forward?","start":455.23,"end":461.25,"sentiment":"neutral","sentiment_score":0.06834832147548073}],"sentiment":"neutral","sentiment_score":0.1324797777951449,"num_words":87,"start":435.74002,"end":461.25},{"sentences":[{"text":"Okay.","start":464.83,"end":465.33,"sentiment":"neutral","sentiment_score":0.026185886934399605},{"text":"Yep.","start":467.22998,"end":467.47,"sentiment":"neutral","sentiment_score":0.13455849885940552},{"text":"That's okay.","start":467.47,"end":468.29,"sentiment":"neutral","sentiment_score":0.3093010187149048},{"text":"Okay.","start":473.235,"end":473.735,"sentiment":"neutral","sentiment_score":0.27618250250816345},{"text":"Perfect.","start":474.75497,"end":475.25497,"sentiment":"positive","sentiment_score":0.6364718079566956}],"sentiment":"neutral","sentiment_score":0.2820001222814123,"num_words":6,"start":464.83,"end":475.25497},{"sentences":[{"text":"That's okay.","start":475.875,"end":476.595,"sentiment":"positive","sentiment_score":0.44192172586917877},{"text":"So with the the pension account you have at the moment, it's sitting in pension phase currently.","start":476.595,"end":483.21,"sentiment":"neutral","sentiment_score":0.17909616319572225},{"text":"So we've drawn down the 160,000, which was essentially, I've drawn it down as a pension payment, so you don't have to draw anything else out of that pension for this financial year, which is great.","start":483.90997,"end":495.44998,"sentiment":"neutral","sentiment_score":0.24170701681739754},{"text":"Essentially, we can sit as it is until, say, the July 1 next year, and then we need to consider the minimum pension payment for next financial year, which won't be a lot.","start":496.57498,"end":508.51498,"sentiment":"neutral","sentiment_score":0.07359719231273189},{"text":"The current balance you have in there at the moment, and I'll just go back to it for you, sorry, is $150,157,897 there.","start":509.1,"end":522.895,"sentiment":"neutral","sentiment_score":0.06405420560875665}],"sentiment":"neutral","sentiment_score":0.1489359000613829,"num_words":111,"start":475.875,"end":522.895},{"sentences":[{"text":"We've got a yeah.","start":523.835,"end":525.275,"sentiment":"neutral","sentiment_score":0.13116261549293995},{"text":"So we've got a couple of options.","start":525.275,"end":526.795,"sentiment":"neutral","sentiment_score":0.12424108811787196},{"text":"We can look to keep you in pension phase.","start":526.795,"end":530.815,"sentiment":"neutral","sentiment_score":0.13918385985824797},{"text":"As I said, you don't have to draw anything else out of the time being.","start":531.435,"end":534.47504,"sentiment":"neutral","sentiment_score":0.12045019467671712},{"text":"If you decide you want, you absolutely can.","start":534.47504,"end":537.01,"sentiment":"neutral","sentiment_score":0.288402933627367}],"sentiment":"neutral","sentiment_score":0.15723184201606485,"num_words":43,"start":523.835,"end":537.01},{"sentences":[{"text":"The benefit to it sitting in pension phase is that there's no income tax or capital gains tax consequences for where we are at the moment.","start":537.55005,"end":545.65,"sentiment":"neutral","sentiment_score":0.27560557367709965},{"text":"So, essentially, sitting in pension, any growth or any income earned from the portfolio is reinvested back, but your super fund doesn't pay any tax on that.","start":545.71,"end":558.105,"sentiment":"neutral","sentiment_score":0.16303383586583314},{"text":"The other option is we can always move you back into accumulation phase, which is where you were in the super, you know, accumulation phase prior to this.","start":558.325,"end":566.52,"sentiment":"neutral","sentiment_score":0.08891595367874418},{"text":"You don't have to then draw anything out of that.","start":567.22,"end":570.2,"sentiment":"neutral","sentiment_score":0.06836688369512559},{"text":"Sitting in accumulation phase, there are tax consequences.","start":571.14,"end":574.27997,"sentiment":"neutral","sentiment_score":0.06488606706261635}],"sentiment":"neutral","sentiment_score":0.1541420460650415,"num_words":99,"start":537.55005,"end":574.27997},{"sentences":[{"text":"So your super does pay 15% tax on income and CGT.","start":574.5,"end":579.16,"sentiment":"neutral","sentiment_score":0.11665910143743861},{"text":"You get a a discount if you've held the asset for more than twelve months, but there are tax consequences in there.","start":579.915,"end":585.995,"sentiment":"neutral","sentiment_score":0.08121282285587354},{"text":"So are you kind of planning on wanting to maybe put anything back into that, or are you sort of just happy to let it sit for the moment?","start":585.995,"end":593.83496,"sentiment":"neutral","sentiment_score":0.07266032541620321},{"text":"What are you sort of thinking?","start":593.83496,"end":595.135,"sentiment":"neutral","sentiment_score":-0.04497744143009186},{"text":"Okay.","start":598.24,"end":598.74,"sentiment":"neutral","sentiment_score":-0.036246202886104584}],"sentiment":"neutral","sentiment_score":0.07059377977165623,"num_words":69,"start":574.5,"end":598.74},{"sentences":[{"text":"Leaving it sit?","start":599.04004,"end":599.92,"sentiment":"neutral","sentiment_score":-0.05560597901542982},{"text":"Yes.","start":599.92,"end":600.24,"sentiment":"neutral","sentiment_score":0.013142554089426994},{"text":"That's that's Well, the way it is at the moment so in pension phase, we can't actually make any additional contributions to it.","start":600.24,"end":614.965,"sentiment":"neutral","sentiment_score":-0.16672438788025276},{"text":"In order to make additional contributions to it, we actually have to move it back into the accumulation phase.","start":614.965,"end":620.66504,"sentiment":"neutral","sentiment_score":-0.03047628024298894},{"text":"In saying that it really sorry.","start":622.37,"end":624.76996,"sentiment":"neutral","sentiment_score":-0.1741955541074276}],"sentiment":"neutral","sentiment_score":-0.10793382602815445,"num_words":52,"start":599.04004,"end":624.76996},{"sentences":[{"text":"You're right, Caroline.","start":624.76996,"end":625.67,"sentiment":"neutral","sentiment_score":-0.09228006998697917},{"text":"No.","start":630.69,"end":631.00995,"sentiment":"negative","sentiment_score":-0.4064921438694},{"text":"No.","start":631.00995,"end":631.32996,"sentiment":"negative","sentiment_score":-0.42352843284606934},{"text":"You actually don't pay any tax on it at all.","start":631.32996,"end":633.855,"sentiment":"negative","sentiment_score":-0.3873064309358597},{"text":"It's just that inside super your super fund, just like you, does a tax return every year because it's a trust.","start":634.01495,"end":639.535,"sentiment":"neutral","sentiment_score":0.05658714490987006}],"sentiment":"neutral","sentiment_score":-0.10532208480354813,"num_words":36,"start":624.76996,"end":639.535},{"sentences":[{"text":"It's a separate entity.","start":639.535,"end":640.755,"sentiment":"neutral","sentiment_score":0.05088596045970917},{"text":"And so the trustee of the super fund does a tax return.","start":641.77496,"end":645.375,"sentiment":"neutral","sentiment_score":0.10715251478056113},{"text":"They pay income tax and capital gains tax and things like that.","start":645.375,"end":649.17,"sentiment":"neutral","sentiment_score":0.08463802219678958},{"text":"And that's why when we did the advice, we wanted to sort of, you know, move you into pension phase to that income you draw drew down was completely tax free for you, but there was no income there was no tax consequences in the inside the funds for doing that.","start":649.64996,"end":664.38995,"sentiment":"neutral","sentiment_score":0.17808914768929576},{"text":"So it can sit there as it is.","start":665.575,"end":667.735,"sentiment":"positive","sentiment_score":0.4404950402677059}],"sentiment":"neutral","sentiment_score":0.173695829193825,"num_words":87,"start":639.535,"end":667.735},{"sentences":[{"text":"If we do move it back to accumulation phase and we start making contributions to it, I wanna make sure the contributions going in made it worthwhile, making sure that you're not paying more in tax than what you're actually putting into the fund and making in growth.","start":667.735,"end":683.93,"sentiment":"positive","sentiment_score":0.44778495219846565},{"text":"But if you're kind of happy with where it is at the moment, we can just leave it as it is for the time being.","start":684.63,"end":690.41,"sentiment":"neutral","sentiment_score":0.160937759578228},{"text":"You've got time to work out what you wanna do.","start":690.78503,"end":693.025,"sentiment":"neutral","sentiment_score":0.19303571730852126},{"text":"We can catch up in a few months' time if you like, and we can decide down the track whether we, you know, move back into super phase, like, into the accumulation phase, whether you wanna go back to work, or whether you're happy just, you know, staying as you are for the time being and being fully retired, essentially.","start":693.025,"end":709.83,"sentiment":"neutral","sentiment_score":0.30994415233532585},{"text":"Does that make sense?","start":710.13,"end":711.19,"sentiment":"neutral","sentiment_score":0.23574622720479965}],"sentiment":"neutral","sentiment_score":0.31964022392521096,"num_words":147,"start":667.735,"end":711.19},{"sentences":[{"text":"Yeah.","start":715.01,"end":715.51,"sentiment":"neutral","sentiment_score":0.30527281761169434},{"text":"With your advice, Caroline, if if Neil's happy to stay where he is at the moment, like, I'd like to sort of maybe update yours.","start":716.37,"end":723.825,"sentiment":"neutral","sentiment_score":0.2667672622203827},{"text":"But if we're happy just to stay where we are, I can even just leave your advice as it is for the time being.","start":723.885,"end":731.985,"sentiment":"positive","sentiment_score":0.4001930244266987},{"text":"There was no changes to be made until you turn 60, and we can always catch up maybe a couple of months out.","start":732.47003,"end":741.83,"sentiment":"neutral","sentiment_score":0.24207624015600784},{"text":"So you're 60 in October, aren't you?","start":741.83,"end":744.25,"sentiment":"neutral","sentiment_score":0.05120989733508655}],"sentiment":"neutral","sentiment_score":0.2813163720536977,"num_words":80,"start":715.01,"end":744.25},{"sentences":[{"text":"September.","start":746.445,"end":746.945,"sentiment":"neutral","sentiment_score":0.012854844331741331},{"text":"Sorry.","start":747.085,"end":747.40497,"sentiment":"neutral","sentiment_score":-0.007212270982563496},{"text":"Yeah.","start":747.40497,"end":747.90497,"sentiment":"neutral","sentiment_score":0.01880830153822899},{"text":"Yeah.","start":749.485,"end":749.985,"sentiment":"neutral","sentiment_score":0.046060189604759216},{"text":"Yeah.","start":750.125,"end":750.625,"sentiment":"neutral","sentiment_score":0.04715787619352341}],"sentiment":"neutral","sentiment_score":0.02353378813713789,"num_words":5,"start":746.445,"end":750.625},{"sentences":[{"text":"The September 9.","start":751.40497,"end":752.94495,"sentiment":"neutral","sentiment_score":0.029377102851867676},{"text":"Yeah.","start":755.005,"end":755.505,"sentiment":"neutral","sentiment_score":0.06322202831506729},{"text":"Did you want me to maybe update the advice to reflect you working a bit longer to, say, the end of the year, or did you want me to just leave it as is and we maybe touch base in September to see whether you do wanna retire and take the funds out or what you wanna do with the with your working?","start":756.365,"end":772.49005,"sentiment":"neutral","sentiment_score":0.0816994183475063},{"text":"What would you like me to do?","start":772.49005,"end":773.925,"sentiment":"neutral","sentiment_score":0.03711754669036184},{"text":"Mhmm.","start":781.685,"end":782.185,"sentiment":"neutral","sentiment_score":0.0659279078245163}],"sentiment":"neutral","sentiment_score":0.07498889903227489,"num_words":75,"start":751.40497,"end":782.185},{"sentences":[{"text":"Yep.","start":782.485,"end":782.96497,"sentiment":"neutral","sentiment_score":0.106470987200737},{"text":"Yep.","start":782.96497,"end":783.46497,"sentiment":"neutral","sentiment_score":0.09915097802877426},{"text":"Did you want no.","start":786.565,"end":789.26996,"sentiment":"neutral","sentiment_score":-0.1997351311147213},{"text":"That's okay.","start":789.26996,"end":790.17,"sentiment":"neutral","sentiment_score":-0.012365166097879408},{"text":"Did you want me to look at doing the advice and reflecting on things now for you, or do you wanna touch base maybe closer to your birthday to see how you feel, how the job's going?","start":790.79,"end":799.61,"sentiment":"neutral","sentiment_score":0.1398631304099753}],"sentiment":"neutral","sentiment_score":0.10126415408319897,"num_words":45,"start":782.485,"end":799.61},{"sentences":[{"text":"Yeah.","start":810.025,"end":810.525,"sentiment":"neutral","sentiment_score":-0.021163873374462128},{"text":"End of the year?","start":812.105,"end":813.165,"sentiment":"neutral","sentiment_score":-0.0011661071330308914},{"text":"Yep.","start":813.225,"end":813.625,"sentiment":"neutral","sentiment_score":0.0443837009370327},{"text":"That's okay.","start":813.625,"end":814.525,"sentiment":"neutral","sentiment_score":0.06565297022461891},{"text":"That's okay.","start":818.2,"end":819.1,"sentiment":"positive","sentiment_score":0.4771251976490021}],"sentiment":"neutral","sentiment_score":0.1104111734777689,"num_words":10,"start":810.025,"end":819.1},{"sentences":[{"text":"Beautiful.","start":819.39996,"end":819.89996,"sentiment":"positive","sentiment_score":0.7211214303970337},{"text":"So you probably work to the end of the year.","start":821.48,"end":823.72,"sentiment":"positive","sentiment_score":0.39438059031963346},{"text":"Excellent.","start":823.72,"end":824.22,"sentiment":"positive","sentiment_score":0.7034099698066711},{"text":"That's alright.","start":825.48,"end":826.12,"sentiment":"neutral","sentiment_score":0.3292381316423416},{"text":"Are you comfortable with me just going back and having a look at things?","start":826.12,"end":829.33997,"sentiment":"neutral","sentiment_score":0.15410608425736427}],"sentiment":"neutral","sentiment_score":0.29229638379599365,"num_words":28,"start":819.39996,"end":829.33997},{"sentences":[{"text":"Maybe just update the advice to reflect and sort of show you what sort of growth we might expect out of the super up till, say, the Christmas to December?","start":829.8,"end":838.115,"sentiment":"neutral","sentiment_score":0.1394930522888899},{"text":"Is that okay?","start":838.115,"end":839.33496,"sentiment":"neutral","sentiment_score":0.12557569642861685},{"text":"Yep.","start":841.71497,"end":842.115,"sentiment":"neutral","sentiment_score":0.23958651721477509},{"text":"Beautiful.","start":842.115,"end":842.615,"sentiment":"positive","sentiment_score":0.3964737057685852},{"text":"Do you think after that time you might be wanting to look at with withdrawing the funds out, or do you think what's the last what are you wanting to work longer than that, do you think?","start":842.755,"end":853.31,"sentiment":"neutral","sentiment_score":0.05305803476555927}],"sentiment":"neutral","sentiment_score":0.09945453010085556,"num_words":72,"start":829.8,"end":853.31},{"sentences":[{"text":"Yeah.","start":858.73004,"end":859.21,"sentiment":"neutral","sentiment_score":-0.03410673141479492},{"text":"No.","start":859.21,"end":859.45,"sentiment":"neutral","sentiment_score":-0.07625102251768112},{"text":"That's okay.","start":859.45,"end":860.27,"sentiment":"neutral","sentiment_score":-0.017370757646858692},{"text":"Yep.","start":865.215,"end":865.715,"sentiment":"neutral","sentiment_score":0.024101879447698593},{"text":"No.","start":866.015,"end":866.41504,"sentiment":"neutral","sentiment_score":-0.007226297631859779}],"sentiment":"neutral","sentiment_score":-0.021370614568392437,"num_words":6,"start":858.73004,"end":866.41504},{"sentences":[{"text":"That's okay.","start":866.41504,"end":867.23505,"sentiment":"neutral","sentiment_score":0.030496912077069286},{"text":"Yeah.","start":869.375,"end":869.85504,"sentiment":"neutral","sentiment_score":0.047882843762636185},{"text":"No.","start":869.85504,"end":870.015,"sentiment":"neutral","sentiment_score":-0.02795648947358131},{"text":"That's yes.","start":870.015,"end":872.43506,"sentiment":"neutral","sentiment_score":-0.06867244653403759},{"text":"Yeah.","start":874.41504,"end":874.91504,"sentiment":"neutral","sentiment_score":0.017744649201631546}],"sentiment":"neutral","sentiment_score":-0.005525723631892886,"num_words":7,"start":866.41504,"end":874.91504},{"sentences":[{"text":"That's okay.","start":876.36,"end":877.24,"sentiment":"neutral","sentiment_score":0.09437314048409462},{"text":"Do you think you'll wanna use your super for towards the caravan?","start":877.24,"end":881.81995,"sentiment":"neutral","sentiment_score":0.09343355800956488},{"text":"Or because I know one of the things we talked about was maybe if you did retire, drawing the funds out, maybe incorporating it into your super and try to put everything in one place and grow it a bit more?","start":881.95996,"end":893.23505,"sentiment":"neutral","sentiment_score":0.1364181735893575},{"text":"What do you sort of what what do you think your plans might be from next year onwards?","start":893.23505,"end":897.23505,"sentiment":"neutral","sentiment_score":0.045823585242033005},{"text":"Have you sort of talked about what you'd like to do, when you might like to buy the caravan, what, you know, retirement looks like moving forward?","start":897.23505,"end":904.055,"sentiment":"neutral","sentiment_score":0.047178021597641485}],"sentiment":"neutral","sentiment_score":0.0900172521173954,"num_words":100,"start":876.36,"end":904.055},{"sentences":[{"text":"Yes.","start":909.55005,"end":910.05005,"sentiment":"neutral","sentiment_score":0.010419487953186035},{"text":"Okay.","start":935.33997,"end":935.83997,"sentiment":"neutral","sentiment_score":-0.043257858604192734},{"text":"Yep.","start":936.38,"end":936.88,"sentiment":"neutral","sentiment_score":-0.05855273827910423},{"text":"Yep.","start":938.45996,"end":938.95996,"sentiment":"neutral","sentiment_score":0.01907322369515896},{"text":"No.","start":941.26,"end":941.5,"sentiment":"neutral","sentiment_score":-0.03529057651758194}],"sentiment":"neutral","sentiment_score":-0.021521692350506782,"num_words":5,"start":909.55005,"end":941.5},{"sentences":[{"text":"That's okay.","start":941.5,"end":942.32,"sentiment":"neutral","sentiment_score":0.07898861542344093},{"text":"That's absolutely fine.","start":944.375,"end":946.15497,"sentiment":"positive","sentiment_score":0.4456165134906769},{"text":"Can I ask, with your take home pay, you now you sort of said that with what, Carol, and you're earning, it's kind of covering your expenses at the moment?","start":946.21497,"end":954.15497,"sentiment":"neutral","sentiment_score":0.03006438035517931},{"text":"What is your average take home pay?","start":955.175,"end":957.33496,"sentiment":"neutral","sentiment_score":0.003100489133170673},{"text":"What are you sort of getting in hand at the end of the week or the fortnight?","start":957.33496,"end":960.64,"sentiment":"neutral","sentiment_score":0.01812181276652743}],"sentiment":"neutral","sentiment_score":0.04621241394809242,"num_words":59,"start":941.5,"end":960.64},{"sentences":[{"text":"Average.","start":963.02,"end":963.52,"sentiment":"neutral","sentiment_score":0.0026225748006254435},{"text":"1,100?","start":966.94,"end":967.82,"sentiment":"neutral","sentiment_score":0.011627107858657835},{"text":"Yeah.","start":967.82,"end":968.14,"sentiment":"neutral","sentiment_score":0.10845111310482024},{"text":"Fantastic.","start":968.14,"end":968.64,"sentiment":"positive","sentiment_score":0.41925299167633057},{"text":"And that's per week or fortnight?","start":969.26,"end":971.02,"sentiment":"neutral","sentiment_score":0.09300152274469535}],"sentiment":"neutral","sentiment_score":0.10999629239086062,"num_words":10,"start":963.02,"end":971.02},{"sentences":[{"text":"Sorry.","start":971.02,"end":971.505,"sentiment":"neutral","sentiment_score":-0.020410731434822083},{"text":"Per fortnight.","start":973.585,"end":974.325,"sentiment":"neutral","sentiment_score":0.03707797918468714},{"text":"Beautiful.","start":974.545,"end":975.045,"sentiment":"positive","sentiment_score":0.5742557644844055},{"text":"Excellent.","start":975.985,"end":976.485,"sentiment":"positive","sentiment_score":0.6021484136581421},{"text":"And that's covering everything nicely because, I mean, the other side of that $1.60 was to leave you all complete leave you both completely debt free.","start":976.545,"end":983.665,"sentiment":"neutral","sentiment_score":0.26555039905584776}],"sentiment":"neutral","sentiment_score":0.2624019284041659,"num_words":31,"start":971.02,"end":983.665},{"sentences":[{"text":"So you are finding that fairly comfortable for you?","start":983.665,"end":987.16,"sentiment":"neutral","sentiment_score":0.22381915483209822},{"text":"Yep.","start":989.3,"end":989.8,"sentiment":"neutral","sentiment_score":0.15078690648078918},{"text":"Yep.","start":989.94,"end":990.42,"sentiment":"neutral","sentiment_score":0.18024703860282895},{"text":"Beautiful.","start":990.42,"end":990.92,"sentiment":"positive","sentiment_score":0.5528416633605957},{"text":"That's okay.","start":992.98,"end":993.72,"sentiment":"positive","sentiment_score":0.3633057773113251}],"sentiment":"neutral","sentiment_score":0.258918539753982,"num_words":14,"start":983.665,"end":993.72},{"sentences":[{"text":"There's nothing wrong with that at all.","start":993.86,"end":996.04,"sentiment":"neutral","sentiment_score":0.26748148777655195},{"text":"That's absolutely fine.","start":996.5,"end":998.04,"sentiment":"positive","sentiment_score":0.4320385456085205},{"text":"Easy.","start":999.255,"end":999.495,"sentiment":"neutral","sentiment_score":0.22362716495990753},{"text":"Well, if you like, what I could do and, look, you're allowed to tell me no.","start":999.495,"end":1003.575,"sentiment":"neutral","sentiment_score":-0.1041867844760418},{"text":"You're allowed to sort of say if you don't wanna do this.","start":1003.575,"end":1006.39496,"sentiment":"neutral","sentiment_score":-0.1517588160932064}],"sentiment":"neutral","sentiment_score":-0.002461054577277257,"num_words":39,"start":993.86,"end":1006.39496},{"sentences":[{"text":"You know, all of your advice feels fairly comfortable for the time being, so I can leave that side of things as it is if you want.","start":1006.695,"end":1013.675,"sentiment":"neutral","sentiment_score":-0.053230874654319554},{"text":"Caroline, I can update yours.","start":1014.24,"end":1015.92,"sentiment":"neutral","sentiment_score":0.017284731194376946},{"text":"I can just go back back maybe have a look at the investment, see if it's worth changing the investments now, and maybe look at what your contributions are going in.","start":1015.92,"end":1024.8,"sentiment":"neutral","sentiment_score":0.021576376797090614},{"text":"And we could maybe just do a limited scope sort of advice document to see what this looks like up to, say, the end of the year with what the projected balance might look like.","start":1024.8,"end":1035.735,"sentiment":"neutral","sentiment_score":0.04046504784907613},{"text":"Is that okay?","start":1035.735,"end":1036.635,"sentiment":"neutral","sentiment_score":0.05504939705133438}],"sentiment":"neutral","sentiment_score":0.008905768186997363,"num_words":101,"start":1006.695,"end":1036.635},{"sentences":[{"text":"Yep.","start":1038.615,"end":1039.015,"sentiment":"neutral","sentiment_score":0.14520487189292908},{"text":"Beautiful.","start":1039.015,"end":1039.515,"sentiment":"positive","sentiment_score":0.3637581467628479},{"text":"If I do the research and come back and say, hey.","start":1040.375,"end":1043.415,"sentiment":"neutral","sentiment_score":0.018420911648056724},{"text":"There's really no point in making the switch with the investment, then I may come back and say, hey.","start":1043.415,"end":1050.03,"sentiment":"neutral","sentiment_score":-0.06785023251646444},{"text":"Let's just leave everything as it is for the moment and then catch up when you turn 60 and decide what you wanna do and maybe update the advice then.","start":1050.03,"end":1057.17,"sentiment":"neutral","sentiment_score":0.050061445062359176}],"sentiment":"neutral","sentiment_score":0.014907773884554063,"num_words":62,"start":1038.615,"end":1057.17},{"sentences":[{"text":"But I'll go back and just do the research for now to see what that looks like.","start":1057.625,"end":1061.145,"sentiment":"neutral","sentiment_score":0.10499725008712095},{"text":"Is that okay?","start":1061.145,"end":1062.045,"sentiment":"neutral","sentiment_score":0.10639708489179611},{"text":"Yes.","start":1064.1051,"end":1064.6051,"sentiment":"positive","sentiment_score":0.3971120715141296},{"text":"Beautiful.","start":1064.905,"end":1065.405,"sentiment":"positive","sentiment_score":0.7527045011520386},{"text":"Lovely.","start":1066.9851,"end":1067.4851,"sentiment":"positive","sentiment_score":0.7686917781829834}],"sentiment":"neutral","sentiment_score":0.17489795030459113,"num_words":23,"start":1057.625,"end":1067.4851},{"sentences":[{"text":"Excellent.","start":1070.6399,"end":1071.1399,"sentiment":"positive","sentiment_score":0.7257748246192932},{"text":"So I'll look at the investments within super and see if there's any need to switch them.","start":1071.36,"end":1075.7799,"sentiment":"neutral","sentiment_score":0.18433605923372157},{"text":"If there's not, we can do a catch up closer to your birthday and decide whether you wanna keep working longer or what you wanna do.","start":1076.5599,"end":1083.885,"sentiment":"neutral","sentiment_score":0.10570202194727384},{"text":"The other side of it is, like, even as much as the advice is there, if you decide that you don't wanna withdraw the funds, you wanna keep working past 50, that's absolutely fine.","start":1083.965,"end":1093.665,"sentiment":"neutral","sentiment_score":0.10679866757024736},{"text":"If you decide, no, a month later, you've had enough and you wanna stop working and retire a bit, that's absolutely fine as well.","start":1094.125,"end":1102.75,"sentiment":"neutral","sentiment_score":0.08652668648088972}],"sentiment":"neutral","sentiment_score":0.12074054485442591,"num_words":102,"start":1070.6399,"end":1102.75},{"sentences":[{"text":"We'll we'll work within your time frame.","start":1104.73,"end":1107.15,"sentiment":"neutral","sentiment_score":0.0545277228312833},{"text":"Okay.","start":1107.37,"end":1107.87,"sentiment":"neutral","sentiment_score":0.08932267874479294},{"text":"Beautiful.","start":1110.3301,"end":1110.8301,"sentiment":"positive","sentiment_score":0.38509228825569153},{"text":"That's okay.","start":1112.17,"end":1112.91,"sentiment":"neutral","sentiment_score":0.13331963121891022},{"text":"That's honestly fine.","start":1113.05,"end":1114.35,"sentiment":"neutral","sentiment_score":0.1150360181927681}],"sentiment":"neutral","sentiment_score":0.1048468817025423,"num_words":14,"start":1104.73,"end":1114.35},{"sentences":[{"text":"That's absolutely fine.","start":1115.7649,"end":1117.845,"sentiment":"neutral","sentiment_score":0.27920618156592053},{"text":"It's what I do.","start":1117.845,"end":1118.6449,"sentiment":"neutral","sentiment_score":0.18617083877325058},{"text":"That's what you pay me for.","start":1118.6449,"end":1120.105,"sentiment":"neutral","sentiment_score":0.12436348820726077},{"text":"Well, it's what you pay your ongoing service fee for.","start":1120.325,"end":1123.1449,"sentiment":"neutral","sentiment_score":0.09195403456687927},{"text":"Beautiful.","start":1125.205,"end":1125.705,"sentiment":"positive","sentiment_score":0.5084332227706909}],"sentiment":"neutral","sentiment_score":0.15651901656140885,"num_words":24,"start":1115.7649,"end":1125.705},{"sentences":[{"text":"All good.","start":1126.085,"end":1126.825,"sentiment":"positive","sentiment_score":0.47109895944595337},{"text":"And, Neil, do you think are you sort of thinking with next year?","start":1127.445,"end":1130.89,"sentiment":"neutral","sentiment_score":0.03902255242260603},{"text":"I don't know.","start":1130.89,"end":1131.2101,"sentiment":"neutral","sentiment_score":-0.0461281935373942},{"text":"Next year is six months away.","start":1131.2101,"end":1132.3301,"sentiment":"neutral","sentiment_score":-0.06507266499102116},{"text":"There's a lot that could change that time frame, but do you have any idea if you are maybe wanting to, you know, look at going back into work or anything next year onwards or year sort of hoping to just enjoy retirement as long as you can.","start":1132.3301,"end":1146.485,"sentiment":"neutral","sentiment_score":0.04998302673144887}],"sentiment":"neutral","sentiment_score":0.04610910851301418,"num_words":72,"start":1126.085,"end":1146.485},{"sentences":[{"text":"Okay.","start":1151.985,"end":1152.485,"sentiment":"neutral","sentiment_score":-0.004869062453508377},{"text":"Beautiful.","start":1152.625,"end":1153.125,"sentiment":"neutral","sentiment_score":0.0815611183643341},{"text":"That's not a bad thing.","start":1155.985,"end":1157.285,"sentiment":"neutral","sentiment_score":-0.23552508354187013},{"text":"Beautiful.","start":1161.96,"end":1162.46,"sentiment":"neutral","sentiment_score":0.06673295795917511},{"text":"Well, it's yeah.","start":1162.52,"end":1164.86,"sentiment":"neutral","sentiment_score":-0.02891044815381368}],"sentiment":"neutral","sentiment_score":-0.1019028862091628,"num_words":11,"start":1151.985,"end":1164.86},{"sentences":[{"text":"No.","start":1165.0,"end":1165.16,"sentiment":"neutral","sentiment_score":-0.01699887216091156},{"text":"That's all good.","start":1165.16,"end":1165.7999,"sentiment":"neutral","sentiment_score":0.06645222349713246},{"text":"Well, if you decide you wanna take something on, it does mean to be able to receive contributions, we'll need to roll you back into the accumulation phase.","start":1165.7999,"end":1174.14,"sentiment":"neutral","sentiment_score":0.05700311250984669},{"text":"So what I'll do is, Carol, I'll go back and just do a bit of research.","start":1175.16,"end":1179.445,"sentiment":"neutral","sentiment_score":0.08568048966117203},{"text":"I'll look at the difference of changing the portfolio, whether it's worth doing it, what the growth looks like.","start":1179.445,"end":1185.225,"sentiment":"neutral","sentiment_score":0.042731696445690956}],"sentiment":"neutral","sentiment_score":0.05912291068138916,"num_words":67,"start":1165.0,"end":1185.225},{"sentences":[{"text":"If I come back and go, hey.","start":1185.685,"end":1187.125,"sentiment":"neutral","sentiment_score":-0.15388839745095798},{"text":"It's really not worth doing, I'll let you know that we should probably hold off, and then we'll do a catch up around it at your birthday before we implement anything for the previous document.","start":1187.125,"end":1196.74,"sentiment":"neutral","sentiment_score":-0.049346913184438436},{"text":"And then we can always update the advice then or even just make some changes, essentially, to alter the advice.","start":1197.12,"end":1204.64,"sentiment":"neutral","sentiment_score":0.15328084491193295},{"text":"It doesn't have to be a whole big SOA.","start":1204.64,"end":1206.605,"sentiment":"neutral","sentiment_score":0.08116070098347133},{"text":"It can just be a phone note saying that you don't wanna withdraw the funds.","start":1206.605,"end":1210.445,"sentiment":"neutral","sentiment_score":0.07418359244863192}],"sentiment":"neutral","sentiment_score":0.024470422676829404,"num_words":86,"start":1185.685,"end":1210.445},{"sentences":[{"text":"You wanna keep working for another few months.","start":1210.445,"end":1212.7849,"sentiment":"neutral","sentiment_score":0.07945388648658991},{"text":"So I can always just do up that sort of file note for you and just a record of advice to reflect the change.","start":1213.245,"end":1219.505,"sentiment":"neutral","sentiment_score":0.25027958179513615},{"text":"Does that make sense?","start":1219.97,"end":1220.93,"sentiment":"neutral","sentiment_score":0.1745285540819168},{"text":"Do you have any questions?","start":1220.93,"end":1221.99,"sentiment":"neutral","sentiment_score":0.08516221344470978},{"text":"Yes.","start":1225.41,"end":1225.91,"sentiment":"neutral","sentiment_score":0.12258330732584}],"sentiment":"neutral","sentiment_score":0.18782975347269149,"num_words":42,"start":1210.445,"end":1225.91},{"sentences":[{"text":"You will if if you do have questions, please let me know.","start":1226.77,"end":1229.81,"sentiment":"neutral","sentiment_score":0.1197318509221077},{"text":"I know it's sort of a lot to go through, and there's a lot of considerations to take into it.","start":1229.81,"end":1234.23,"sentiment":"neutral","sentiment_score":0.04569822959601879},{"text":"Oh, good.","start":1238.605,"end":1239.725,"sentiment":"neutral","sentiment_score":0.15015406906604767},{"text":"Good.","start":1239.725,"end":1240.125,"sentiment":"neutral","sentiment_score":0.07921136915683746},{"text":"Good.","start":1240.125,"end":1240.625,"sentiment":"neutral","sentiment_score":0.27476242184638977}],"sentiment":"neutral","sentiment_score":0.08347302033669418,"num_words":36,"start":1226.77,"end":1240.625},{"sentences":[{"text":"No.","start":1243.8049,"end":1244.205,"sentiment":"neutral","sentiment_score":0.23413799703121185},{"text":"Fantastic.","start":1244.205,"end":1244.705,"sentiment":"positive","sentiment_score":0.5040149092674255},{"text":"Okay.","start":1251.24,"end":1251.74,"sentiment":"neutral","sentiment_score":0.03663826733827591},{"text":"Yep.","start":1252.2,"end":1252.7,"sentiment":"neutral","sentiment_score":0.01106123998761177},{"text":"Yep.","start":1252.84,"end":1253.24,"sentiment":"neutral","sentiment_score":-0.011344162747263908}],"sentiment":"neutral","sentiment_score":0.15490165017545224,"num_words":5,"start":1243.8049,"end":1253.24},{"sentences":[{"text":"No.","start":1253.24,"end":1253.48,"sentiment":"neutral","sentiment_score":-0.10068219900131226},{"text":"That's alright.","start":1253.48,"end":1254.22,"sentiment":"neutral","sentiment_score":-0.2893982529640198},{"text":"Yep.","start":1255.88,"end":1256.38,"sentiment":"neutral","sentiment_score":0.01733488030731678},{"text":"No.","start":1256.6,"end":1256.76,"sentiment":"neutral","sentiment_score":0.021028652787208557},{"text":"That's absolutely fine.","start":1256.76,"end":1258.04,"sentiment":"neutral","sentiment_score":0.12064785013596217}],"sentiment":"neutral","sentiment_score":-0.034896452678367496,"num_words":8,"start":1253.24,"end":1258.04},{"sentences":[{"text":"Not a problem.","start":1258.04,"end":1258.6,"sentiment":"neutral","sentiment_score":0.14026106894016266},{"text":"If anything changes with yourself, Neil, let me know.","start":1258.6,"end":1261.34,"sentiment":"neutral","sentiment_score":0.028028256363338895},{"text":"In the meantime, I'll just do a little bit of research here around Carol and Sue, but whether it's worth making any changes.","start":1261.48,"end":1267.585,"sentiment":"neutral","sentiment_score":0.025788107320018436},{"text":"I don't wanna check the same as last time.","start":1268.125,"end":1269.965,"sentiment":"negative","sentiment_score":-0.34856894115606946},{"text":"I don't wanna make any changes to your investments if it's gonna mean there's tax consequences to your Sue for that.","start":1269.965,"end":1276.125,"sentiment":"neutral","sentiment_score":-0.2887268314758937}],"sentiment":"neutral","sentiment_score":-0.12206492229149891,"num_words":65,"start":1258.04,"end":1276.125},{"sentences":[{"text":"The growth doesn't make up quickly.","start":1276.125,"end":1277.985,"sentiment":"neutral","sentiment_score":-0.24931643158197403},{"text":"If the if we can make the changes and then the growth that comes out of that plus the contributions over the next six months, if that works out preferable and worthwhile, then absolutely.","start":1278.7401,"end":1288.6001,"sentiment":"neutral","sentiment_score":0.10711028481669285},{"text":"And what I might even do, depending on what what comes out of my research, I might even just do a joint document noting that, you know, all your recommendations remain the same.","start":1290.18,"end":1300.005,"sentiment":"neutral","sentiment_score":0.1324585619749445},{"text":"I'll just kinda go back and review everything, have a look at it all, update your advice to reflect appropriately, and then I'll come back and let you know what what the reset shows me I should do.","start":1300.865,"end":1311.98,"sentiment":"neutral","sentiment_score":0.10685069290430922},{"text":"Is that okay for you both?","start":1311.98,"end":1313.84,"sentiment":"neutral","sentiment_score":0.0609073576827844}],"sentiment":"neutral","sentiment_score":0.09352781295649007,"num_words":117,"start":1276.125,"end":1313.84},{"sentences":[{"text":"Do you yes.","start":1313.9,"end":1317.5,"sentiment":"neutral","sentiment_score":0.07602161665757497},{"text":"Yep.","start":1317.5,"end":1318.0,"sentiment":"neutral","sentiment_score":0.098954439163208},{"text":"Beautiful.","start":1319.02,"end":1319.52,"sentiment":"positive","sentiment_score":0.4794130325317383},{"text":"Excellent.","start":1320.2999,"end":1320.7999,"sentiment":"positive","sentiment_score":0.502288818359375},{"text":"Excellent.","start":1321.1,"end":1321.6,"sentiment":"positive","sentiment_score":0.3799445033073426}],"sentiment":"neutral","sentiment_score":0.24123794904776982,"num_words":7,"start":1313.9,"end":1321.6},{"sentences":[{"text":"Other than that, have you paid off the mortgage as of now?","start":1323.145,"end":1327.945,"sentiment":"neutral","sentiment_score":0.03585008236890038},{"text":"Is it all paid off now?","start":1327.945,"end":1329.485,"sentiment":"neutral","sentiment_score":0.010858426025758186},{"text":"Yeah?","start":1329.545,"end":1330.045,"sentiment":"neutral","sentiment_score":0.00992114469408989},{"text":"Mhmm.","start":1336.985,"end":1337.485,"sentiment":"neutral","sentiment_score":-0.0025990642607212067},{"text":"Okay.","start":1342.51,"end":1343.01,"sentiment":"neutral","sentiment_score":0.03055396117269993}],"sentiment":"neutral","sentiment_score":0.02539178981844868,"num_words":21,"start":1323.145,"end":1343.01},{"sentences":[{"text":"Fantastic.","start":1343.2301,"end":1343.7301,"sentiment":"neutral","sentiment_score":0.2686668932437897},{"text":"Honestly and look.","start":1350.6749,"end":1352.0349,"sentiment":"neutral","sentiment_score":-0.001983280293643474},{"text":"You're completely debt free now.","start":1352.0349,"end":1353.5549,"sentiment":"neutral","sentiment_score":0.08075364232063294},{"text":"You own your own home.","start":1353.5549,"end":1354.835,"sentiment":"neutral","sentiment_score":0.12721639275550842},{"text":"That is amazing.","start":1354.835,"end":1355.8949,"sentiment":"neutral","sentiment_score":0.29879554112752277}],"sentiment":"neutral","sentiment_score":0.12935022653683143,"num_words":17,"start":1343.2301,"end":1355.8949},{"sentences":[{"text":"Most people would honestly die to be in that kind of a position.","start":1355.955,"end":1359.8949,"sentiment":"neutral","sentiment_score":-0.02982871263073041},{"text":"Like, a lot of people are freaking out now going, will I ever own a home?","start":1359.955,"end":1363.475,"sentiment":"neutral","sentiment_score":-0.024854587856680155},{"text":"That's amazing.","start":1363.475,"end":1364.215,"sentiment":"neutral","sentiment_score":0.2094135507941246},{"text":"Yes.","start":1372.39,"end":1372.89,"sentiment":"neutral","sentiment_score":-0.10047507286071776},{"text":"Yes.","start":1373.51,"end":1374.01,"sentiment":"neutral","sentiment_score":-0.08562980592250824}],"sentiment":"neutral","sentiment_score":-0.016749225669738018,"num_words":33,"start":1355.955,"end":1374.01},{"sentences":[{"text":"Yeah.","start":1376.0701,"end":1376.55,"sentiment":"neutral","sentiment_score":-0.009215640835464},{"text":"Absolutely.","start":1376.55,"end":1377.05,"sentiment":"neutral","sentiment_score":0.04974233731627464},{"text":"Absolutely.","start":1377.67,"end":1378.17,"sentiment":"neutral","sentiment_score":0.06397225707769394},{"text":"We did also have it down that you had a loan on the Triton as well over that 28,000 there.","start":1378.63,"end":1384.065,"sentiment":"neutral","sentiment_score":0.031764135556295515},{"text":"Did you pay that loan out as well?","start":1384.065,"end":1386.1649,"sentiment":"neutral","sentiment_score":0.011658132541924715}],"sentiment":"neutral","sentiment_score":0.026872475000639117,"num_words":31,"start":1376.0701,"end":1386.1649},{"sentences":[{"text":"Yep.","start":1388.705,"end":1389.105,"sentiment":"neutral","sentiment_score":0.05558223649859429},{"text":"All done.","start":1389.105,"end":1389.825,"sentiment":"neutral","sentiment_score":0.14803381264209747},{"text":"Fantastic.","start":1389.825,"end":1390.325,"sentiment":"positive","sentiment_score":0.3581274747848511},{"text":"Beautiful.","start":1394.08,"end":1394.32,"sentiment":"neutral","sentiment_score":0.22841256856918335},{"text":"Did you go out for dinner or do anything nice to celebrate paying it all off?","start":1394.32,"end":1398.66,"sentiment":"neutral","sentiment_score":0.06026338948868215}],"sentiment":"neutral","sentiment_score":0.09059067318836848,"num_words":21,"start":1388.705,"end":1398.66},{"sentences":[{"text":"Hasn't hit home yet?","start":1403.6,"end":1405.0599,"sentiment":"neutral","sentiment_score":-0.0361067745834589},{"text":"I love it.","start":1407.935,"end":1408.655,"sentiment":"neutral","sentiment_score":0.2684675430258115},{"text":"That's fantastic.","start":1408.655,"end":1409.4751,"sentiment":"positive","sentiment_score":0.5652840733528137},{"text":"Yeah.","start":1412.5751,"end":1413.0751,"sentiment":"neutral","sentiment_score":0.005960229784250259},{"text":"Yeah.","start":1413.6951,"end":1414.1951,"sentiment":"neutral","sentiment_score":0.033606525510549545}],"sentiment":"neutral","sentiment_score":0.16646458479491147,"num_words":11,"start":1403.6,"end":1414.1951},{"sentences":[{"text":"No.","start":1414.4951,"end":1414.7351,"sentiment":"neutral","sentiment_score":0.057965490967035294},{"text":"That's fantastic.","start":1414.7351,"end":1415.635,"sentiment":"positive","sentiment_score":0.44132083654403687},{"text":"Your hard work is paying off.","start":1416.0951,"end":1418.015,"sentiment":"positive","sentiment_score":0.5184944272041321},{"text":"It is really, really good to see.","start":1418.015,"end":1419.795,"sentiment":"positive","sentiment_score":0.5741440270628247},{"text":"And do you have some funds left sitting in savings, like a rainy day or is it a bit of a buffer?","start":1420.0399,"end":1425.02,"sentiment":"neutral","sentiment_score":0.07222390394996513}],"sentiment":"neutral","sentiment_score":0.25419757377944496,"num_words":38,"start":1414.4951,"end":1425.02},{"sentences":[{"text":"Yep.","start":1429.5599,"end":1429.88,"sentiment":"neutral","sentiment_score":0.03444546088576317},{"text":"How much do you have sort of sitting in the savings at the moment?","start":1429.88,"end":1432.62,"sentiment":"neutral","sentiment_score":0.023830494976469448},{"text":"3,000?","start":1436.795,"end":1437.615,"sentiment":"neutral","sentiment_score":0.019851740449666977},{"text":"Beautiful.","start":1437.835,"end":1438.335,"sentiment":"positive","sentiment_score":0.41575196385383606},{"text":"Excellent.","start":1440.3151,"end":1440.8151,"sentiment":"positive","sentiment_score":0.46891433000564575}],"sentiment":"neutral","sentiment_score":0.07069946804808246,"num_words":18,"start":1429.5599,"end":1440.8151},{"sentences":[{"text":"Lovely.","start":1440.875,"end":1441.375,"sentiment":"positive","sentiment_score":0.4536239504814148},{"text":"And, Neil, I'll just change your income to 0 for the moment.","start":1441.595,"end":1446.095,"sentiment":"neutral","sentiment_score":0.10913308647771676},{"text":"I'll note down here fully retired.","start":1446.3151,"end":1448.255,"sentiment":"neutral","sentiment_score":0.10172324751814206},{"text":"Beautiful.","start":1449.69,"end":1450.19,"sentiment":"positive","sentiment_score":0.36268508434295654},{"text":"And, look, if you decide to take on a role and wanna roll back into accumulation, just let me know.","start":1450.65,"end":1456.09,"sentiment":"neutral","sentiment_score":0.16794582977890968}],"sentiment":"neutral","sentiment_score":0.15237905383110045,"num_words":40,"start":1440.875,"end":1456.09},{"sentences":[{"text":"I'll get the team to book you in ASAP so we can talk about it.","start":1456.09,"end":1460.19,"sentiment":"neutral","sentiment_score":0.16430154939492544},{"text":"I can update the advice, and we can look at, obviously, how that tracks for you moving forward as well.","start":1460.73,"end":1466.3049,"sentiment":"neutral","sentiment_score":0.18693292886018753},{"text":"Okay?","start":1466.3049,"end":1466.625,"sentiment":"neutral","sentiment_score":0.14213697612285614},{"text":"And I can do that sort of thing very, very quickly for you if need be.","start":1466.625,"end":1470.325,"sentiment":"neutral","sentiment_score":0.17225131206214428},{"text":"Okay?","start":1470.465,"end":1470.965,"sentiment":"neutral","sentiment_score":0.0919364094734192}],"sentiment":"neutral","sentiment_score":0.1734580414475135,"num_words":53,"start":1456.09,"end":1470.965},{"sentences":[{"text":"Excellent.","start":1473.9049,"end":1474.4049,"sentiment":"neutral","sentiment_score":0.32222437858581543},{"text":"All good.","start":1474.705,"end":1475.445,"sentiment":"neutral","sentiment_score":0.31506459414958954},{"text":"Other than that, I'm just double checking to see if there's anything else that I need to update for you at the moment.","start":1476.5449,"end":1485.87,"sentiment":"neutral","sentiment_score":0.15546170848867166},{"text":"Everything else looks like it's pretty accurate.","start":1486.01,"end":1488.19,"sentiment":"neutral","sentiment_score":0.24965905717441014},{"text":"Carolyn, you're not salary sacrificing or wanting to put additional into super at the moment, are you?","start":1491.0499,"end":1496.6649,"sentiment":"neutral","sentiment_score":0.021727907854844544}],"sentiment":"neutral","sentiment_score":0.13289921391755344,"num_words":50,"start":1473.9049,"end":1496.6649},{"sentences":[{"text":"Are you wanting to look at maybe adding some extra into your super to sort of provide a bigger buffer and boost it a bit more?","start":1496.6649,"end":1502.845,"sentiment":"neutral","sentiment_score":0.04298915011951557},{"text":"Yep.","start":1506.9049,"end":1507.4049,"sentiment":"neutral","sentiment_score":-0.11708739399909972},{"text":"Yep.","start":1510.05,"end":1510.55,"sentiment":"neutral","sentiment_score":0.01348629593849182},{"text":"Yep.","start":1514.8501,"end":1515.3501,"sentiment":"neutral","sentiment_score":0.01214941032230854},{"text":"Mhmm.","start":1520.29,"end":1520.79,"sentiment":"neutral","sentiment_score":0.00716809369623661}],"sentiment":"neutral","sentiment_score":0.03444781030217806,"num_words":30,"start":1496.6649,"end":1520.79},{"sentences":[{"text":"Yeah.","start":1525.335,"end":1525.735,"sentiment":"neutral","sentiment_score":0.0015976736322045326},{"text":"Absolutely.","start":1525.735,"end":1526.235,"sentiment":"neutral","sentiment_score":0.0193230789154768},{"text":"Yes.","start":1527.975,"end":1528.475,"sentiment":"neutral","sentiment_score":0.163580060005188},{"text":"Abs absolutely.","start":1528.6951,"end":1529.915,"sentiment":"neutral","sentiment_score":0.21780303865671158},{"text":"We can definitely do that.","start":1530.055,"end":1531.595,"sentiment":"positive","sentiment_score":0.5096185624599456}],"sentiment":"neutral","sentiment_score":0.3168199702166021,"num_words":10,"start":1525.335,"end":1531.595},{"sentences":[{"text":"You don't I can always factor into advice, or you can just request that we do so So long as you're underneath the cap, whether it be concessional or non concessional, you and I could always talk about that when you've got extra funds.","start":1531.895,"end":1544.98,"sentiment":"neutral","sentiment_score":0.10234695529057221},{"text":"If you ring in your hand, like, to make additional contributions, I'll fit you in.","start":1544.98,"end":1549.06,"sentiment":"neutral","sentiment_score":0.11122176746527354},{"text":"We'll chat about what options you have, what works for you.","start":1549.06,"end":1553.015,"sentiment":"neutral","sentiment_score":0.14987896653738889},{"text":"It it'll take me a couple of weeks to do the research for you for this advice.","start":1553.9551,"end":1557.155,"sentiment":"neutral","sentiment_score":0.12656815350055695},{"text":"But if it comes up in the next few weeks that you want me to incorporate it, just give me a buzz, and I can, you know, add that into the advice piece for you, or we can just do it at your request.","start":1557.155,"end":1566.535,"sentiment":"neutral","sentiment_score":0.17216474190354347}],"sentiment":"neutral","sentiment_score":0.13394785061023617,"num_words":131,"start":1531.895,"end":1566.535},{"sentences":[{"text":"But you can absolutely do that.","start":1567.4901,"end":1569.0901,"sentiment":"positive","sentiment_score":0.34562312563260394},{"text":"It's not a problem at all.","start":1569.0901,"end":1570.4501,"sentiment":"neutral","sentiment_score":0.30177992085615796},{"text":"Yeah.","start":1570.4501,"end":1570.9501,"sentiment":"neutral","sentiment_score":0.1805889457464218},{"text":"Perfect.","start":1574.13,"end":1574.63,"sentiment":"positive","sentiment_score":0.5331335067749023},{"text":"Yep.","start":1575.0901,"end":1575.5901,"sentiment":"neutral","sentiment_score":0.2185334861278534}],"sentiment":"neutral","sentiment_score":0.32111161450544995,"num_words":15,"start":1567.4901,"end":1575.5901},{"sentences":[{"text":"Yep.","start":1576.05,"end":1576.55,"sentiment":"neutral","sentiment_score":0.10757972300052644},{"text":"Yeah.","start":1577.17,"end":1577.5701,"sentiment":"neutral","sentiment_score":0.17883004248142242},{"text":"Absolutely.","start":1577.5701,"end":1578.0701,"sentiment":"neutral","sentiment_score":0.2669232189655304},{"text":"Not a problem at all.","start":1578.6901,"end":1580.31,"sentiment":"positive","sentiment_score":0.33968388438224795},{"text":"Well, I'll just go back to the drawing board, do a little bit of an update for you, and I'll let you know how I go.","start":1580.605,"end":1585.725,"sentiment":"neutral","sentiment_score":0.1972957797921621}],"sentiment":"neutral","sentiment_score":0.21710125532220392,"num_words":34,"start":1576.05,"end":1585.725},{"sentences":[{"text":"I'll let you know whether it's worth updating your advice or not and what this looks like, and then we'll definitely make sure we do a catch up with you prior to your birthday at least just to see how things are going for you and see if there's any changes that you wanna make to your circumstance or your retirement plan.","start":1585.725,"end":1602.788,"sentiment":"neutral","sentiment_score":0.170771537889396},{"text":"Okay?","start":1602.788,"end":1603.1267,"sentiment":"positive","sentiment_score":0.34005481004714966},{"text":"Fantastic.","start":1603.1267,"end":1603.4655,"sentiment":"positive","sentiment_score":0.6164729595184326},{"text":"Is there any questions that either of you might have for me at the moment?","start":1603.4655,"end":1608.5463,"sentiment":"neutral","sentiment_score":0.17192726880311965},{"text":"Anything else that you might want me to look up, do for you, research for you?","start":1608.5463,"end":1612.5651,"sentiment":"neutral","sentiment_score":0.12614032858982682}],"sentiment":"neutral","sentiment_score":0.16991070955991744,"num_words":95,"start":1585.725,"end":1612.5651},{"sentences":[{"text":"Or oh, that's really good.","start":1612.5651,"end":1621.045,"sentiment":"positive","sentiment_score":0.5579782858490944},{"text":"Perfect.","start":1621.045,"end":1621.4451,"sentiment":"positive","sentiment_score":0.6695156097412109},{"text":"Just wanna make sure that we keep up to date, keep catching up, see how things are going for you, and make alterations as you guys need them to happen as well.","start":1621.4451,"end":1629.76,"sentiment":"positive","sentiment_score":0.3791377581655979},{"text":"Okay.","start":1629.82,"end":1630.32,"sentiment":"neutral","sentiment_score":0.15015056729316711},{"text":"Fantastic.","start":1633.98,"end":1634.48,"sentiment":"positive","sentiment_score":0.8769595623016357}],"sentiment":"positive","sentiment_score":0.4154731357470155,"num_words":40,"start":1612.5651,"end":1634.48},{"sentences":[{"text":"Lovely.","start":1634.86,"end":1635.26,"sentiment":"positive","sentiment_score":0.8548633456230164},{"text":"Well, I will get cracking on the research.","start":1635.26,"end":1636.94,"sentiment":"positive","sentiment_score":0.6509677171707153},{"text":"I'll let you know how I go.","start":1636.94,"end":1638.48,"sentiment":"positive","sentiment_score":0.4873934430735452},{"text":"And, yeah, I'll let you know if there's anything else we need, any other additional questions.","start":1639.1799,"end":1643.815,"sentiment":"neutral","sentiment_score":0.24856225214898586},{"text":"Or if you guys have anything for me, you just let me know, and we'll make time to catch up.","start":1643.955,"end":1648.195,"sentiment":"neutral","sentiment_score":0.21734049022197724}],"sentiment":"positive","sentiment_score":0.3422724042947476,"num_words":52,"start":1634.86,"end":1648.195},{"sentences":[{"text":"Okay?","start":1648.195,"end":1648.695,"sentiment":"neutral","sentiment_score":0.13560175895690918},{"text":"Easy.","start":1651.235,"end":1651.735,"sentiment":"positive","sentiment_score":0.400903195142746},{"text":"Thank you so much for your time.","start":1652.3201,"end":1653.6,"sentiment":"positive","sentiment_score":0.7418305703571865},{"text":"I really appreciate it.","start":1653.6,"end":1654.8,"sentiment":"positive","sentiment_score":0.7489161640405655},{"text":"I hope you guys have a lovely night and a great weekend.","start":1654.8,"end":1657.4601,"sentiment":"positive","sentiment_score":0.7426787366469702}],"sentiment":"positive","sentiment_score":0.7054851377010345,"num_words":25,"start":1648.195,"end":1657.4601},{"sentences":[{"text":"Thank you so much.","start":1661.68,"end":1662.9601,"sentiment":"positive","sentiment_score":0.6024201065301895},{"text":"Enjoy going out and celebrating that home loan being paid off.","start":1662.9601,"end":1666.185,"sentiment":"positive","sentiment_score":0.511925762349909},{"text":"Awesome.","start":1671.9451,"end":1672.3451,"sentiment":"positive","sentiment_score":0.3795661926269531},{"text":"Thank you so much for your time.","start":1672.3451,"end":1673.545,"sentiment":"positive","sentiment_score":0.4974976224558694},{"text":"I'll let you go.","start":1673.545,"end":1674.185,"sentiment":"neutral","sentiment_score":0.18759911507368088}],"sentiment":"positive","sentiment_score":0.4686411045215748,"num_words":27,"start":1661.68,"end":1674.185},{"sentences":[{"text":"You have an amazing evening.","start":1674.185,"end":1675.625,"sentiment":"positive","sentiment_score":0.4078045189380646},{"text":"I'll talk to you both very soon.","start":1675.625,"end":1677.405,"sentiment":"neutral","sentiment_score":0.2734826441322054}],"sentiment":"neutral","sentiment_score":0.3294500919679801,"num_words":12,"start":1674.185,"end":1677.405}]}}]},{"alternatives":[{"transcript":"Hello? Oh, good. Thank you. Yes. It is. I'm just gonna grab him. That cut more than one. Hang on. Hang on a sec. Yeah. He's coming. Yes. Yeah. Caroline k Debone. 90 9963 Rainy Road in Capel. Yes. I do. Yeah. Yeah. It's not too bad. It's a lot to learn because I haven't used my brain in about ten years. So yeah. So I'm getting there. Yeah. A hourly rate. Yeah. 34. Yeah. 34 something. Oh, hard to say at the moment. Because when I was training, I was doing four days on training, and then I'm doing two to four days, and and next week I'm doing three days. So it's just it varies. Not at the moment because it's quiet at the moment and when it picks up again, it gets busy. Work for big brand insurance company. Yeah. Merchandising. Merchandising. Yes. I'm well. Very well. Yes. Thank you. Yeah. I know. I just have to let me get this now. I think it's a how I go. Yeah. Because I'm still learning a lot. So I think see what happens. I think you change and I decide to I'll just I'll let you know. I will go from there to there. Yeah. Yeah. Well, yeah, I'll keep my options open now. Yeah. Sorry for the extra work. Okay. Okay. Yes. Yes. Yes. Yes. Yes. I'm not sure. Just go six months. Second? Yeah. Go for six months and then we'll reassess. Yeah. Posting where we're at. Yeah. Because I really don't know. I do enjoy the job at the moment. I'm learning a lot still, but I'm working on my own, which is nice as well. But you still got a lot of responsibility as well. So she's had a lot of stress. It's been better stress. Yeah. 60 cents. Yes. Oh, wow. It was. It wasn't. Yeah. I didn't think I'll get another job. You know? I got it through my next door neighbor. So I didn't think I would get one. Yeah. Yeah. It's good, but it's hard when you're older. Yes. Yes. Yeah. Probably not at this stage. Let me see. I think so. Yeah. Yeah. With what Caroline's doing with what Caroline's doing, it's we we we're getting by nicely. Yep. Yep. Yep. Okay. Yep. No. Just leave it. It's hit at the moment, I think. Yeah. Yeah. What's that? What's that? What's that? What what would you what would you advise? Would you advise something something small going in there or just fix there? Yes. Yes. Where is this? Where it's sitting at the moment. We won't pay tax on that? Okay. Yes. Yes. Yes. Yes. Yeah. Yes. Especially where it is. Yeah. September. End of yeah. End of September. Yeah. Yeah. Yeah. Yeah. Oh, I probably will oh, yeah. I'll probably work the end of the year and get get a good go and see how I feel for this job. Yeah. No. Just giving up for that problem. Yeah. I don't know. What do you think? Were you starting to get a hit around this? Yeah. Starting to get my hit around it now. Probably the end of the year, maybe. Yeah. Yeah. Yeah. Yeah. Yes. Yes. That's good. Yeah. I don't know. It's hard to say at the moment. We do still like the idea of getting caravan, but, yeah, not just yet. Yeah. Well, hold on. Let me double check. Yeah. Because I like it. We're gonna think about it. Otherwise, we will be really short. Yeah. I'm not sure at the moment. Yeah. I just thought I thought I'd just take it as a go for now and see how you know, the job sort of works for me. And if I feel like it does as well then, you know, I might finish up. I'll just see how I feel. Which because today can be busy around if they also set up and just they've only wanna work two days, me and I can't. So which would be good. So I don't have to do a lot of sales. Yeah. So yeah. Yeah. What's the last one? 11, please? $111,100. 1,100? Yep. That's $4.09. Yeah. Yes. Yes. Yes. We are. We live simply. Yeah. Yeah. No. Yes. Yes. Yes. Absolutely. Yes. Yes. Yes. That's good. Yes. Yes. Yep. Okay. Yep. Yeah. That sounds good. Yeah. Sounds like a lot of work for you, though. Yeah. Yeah. No. I'll probably look at going back into doing something. I keep getting lots of offers thrown at me with the sick. No. It's not. Some different things too. Sorry. Yeah. Yes. Yes. Yes. Yes. Oh, you've you've actually covered you've actually covered the question we did have, so that's all good without knowing. It was basically as as to whether I would be able to make contributions to my account. Yep. But that's fine. You've already answered that, so not good. Yep. Yes. Yes. Yep. That's good. Yeah. Sounds good. Yes. Yes. Yes. All we're waiting for now is the end of month, which is tomorrow, to pay the interest that would have been accrued Can that be? Before we paid it off, which overall is Yeah. Which overall is gonna be less than a thousand dollars. So yep. Yeah. Finally. Absolutely on us. Prices. I mean, I've come back a little bit now, but it's insane, the prices. Yeah. So it's really hard now to get in. Yeah. Yep. Yep. Everything's paid. You're done. Oh, all gone. Not yet. Hasn't hit home yet. Once the interest is gone Well, everything everything's weird. I'm real at the moment. It's unreal. But yeah. No. Yeah. It's a little bit of a buffer there. Yeah. Just over 3. Yep. Yep. Yep. Okay. Probably not at the moment because I'm not getting a lot at the moment. I see how we go. I see how we, you know, work things out. If there's extra, then yeah. If there is extra, is Caroline able to make voluntary contributions manually? So it's not telling me that. Yeah. Okay. Yeah. Yes. Yeah. Yeah. We'll see how it goes first and work it out from there. Yeah. Yep. Yes. Yes. That's good. Hi. That's all. Yeah. Everything answered everything, really. That's good. Yes. Yes. That's right. Yeah. Okay. Oh, we will. When it went extinct. Okay. Thank you. Thank you, Dana. 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Oh, good. Thank you. Yes. It is.\n\nI'm just gonna grab him. That cut more than one. Hang on. Hang on a sec. Yeah.\n\nHe's coming. Yes. Yeah. Caroline k Debone. 90 9963 Rainy Road in Capel.\n\nYes. I do. Yeah. Yeah. It's not too bad.\n\nIt's a lot to learn because I haven't used my brain in about ten years. So yeah. So I'm getting there. Yeah. A hourly rate.\n\nYeah. 34. Yeah. 34 something. Oh, hard to say at the moment.\n\nBecause when I was training, I was doing four days on training, and then I'm doing two to four days, and and next week I'm doing three days. So it's just it varies. Not at the moment because it's quiet at the moment and when it picks up again, it gets busy. Work for big brand insurance company. Yeah.\n\nMerchandising. Merchandising. Yes. I'm well. Very well.\n\nYes. Thank you. Yeah. I know. I just have to let me get this now.\n\nI think it's a how I go. Yeah. Because I'm still learning a lot. So I think see what happens. I think you change and I decide to I'll just I'll let you know.\n\nI will go from there to there. Yeah. Yeah. Well, yeah, I'll keep my options open now. Yeah.\n\nSorry for the extra work. Okay. Okay. Yes. Yes.\n\nYes. Yes. Yes. I'm not sure. Just go six months.\n\nSecond? Yeah. Go for six months and then we'll reassess. Yeah. Posting where we're at.\n\nYeah. Because I really don't know. I do enjoy the job at the moment. I'm learning a lot still, but I'm working on my own, which is nice as well. But you still got a lot of responsibility as well.\n\nSo she's had a lot of stress. It's been better stress. Yeah. 60 cents. Yes.\n\nOh, wow. It was. It wasn't. Yeah. I didn't think I'll get another job.\n\nYou know? I got it through my next door neighbor. So I didn't think I would get one. Yeah. Yeah.\n\nIt's good, but it's hard when you're older. Yes. Yes. Yeah. Probably not at this stage.\n\nLet me see. I think so. Yeah. Yeah. With what Caroline's doing with what Caroline's doing, it's we we we're getting by nicely.\n\nYep. Yep. Yep. Okay. Yep.\n\nNo. Just leave it. It's hit at the moment, I think. Yeah. Yeah.\n\nWhat's that? What's that? What's that? What what would you what would you advise? Would you advise something something small going in there or just fix there?\n\nYes. Yes. Where is this? Where it's sitting at the moment. We won't pay tax on that?\n\nOkay. Yes. Yes. Yes. Yes.\n\nYeah. Yes. Especially where it is. Yeah. September.\n\nEnd of yeah. End of September. Yeah. Yeah. Yeah.\n\nYeah. Oh, I probably will oh, yeah. I'll probably work the end of the year and get get a good go and see how I feel for this job. Yeah. No.\n\nJust giving up for that problem. Yeah. I don't know. What do you think? Were you starting to get a hit around this?\n\nYeah. Starting to get my hit around it now. Probably the end of the year, maybe. Yeah. Yeah.\n\nYeah. Yeah. Yes. Yes. That's good.\n\nYeah. I don't know. It's hard to say at the moment. We do still like the idea of getting caravan, but, yeah, not just yet. Yeah.\n\nWell, hold on. Let me double check. Yeah. Because I like it. We're gonna think about it.\n\nOtherwise, we will be really short. Yeah. I'm not sure at the moment. Yeah. I just thought I thought I'd just take it as a go for now and see how you know, the job sort of works for me.\n\nAnd if I feel like it does as well then, you know, I might finish up. I'll just see how I feel. Which because today can be busy around if they also set up and just they've only wanna work two days, me and I can't. So which would be good. So I don't have to do a lot of sales.\n\nYeah. So yeah. Yeah. What's the last one? 11, please?\n\n$111,100. 1,100? Yep. That's $4.09. Yeah.\n\nYes. Yes. Yes. We are. We live simply.\n\nYeah. Yeah. No. Yes. Yes.\n\nYes. Absolutely. Yes. Yes. Yes.\n\nThat's good. Yes. Yes. Yep. Okay.\n\nYep. Yeah. That sounds good. Yeah. Sounds like a lot of work for you, though.\n\nYeah. Yeah. No. I'll probably look at going back into doing something. I keep getting lots of offers thrown at me with the sick.\n\nNo. It's not. Some different things too. Sorry. Yeah.\n\nYes. Yes. Yes. Yes. Oh, you've you've actually covered you've actually covered the question we did have, so that's all good without knowing.\n\nIt was basically as as to whether I would be able to make contributions to my account. Yep. But that's fine. You've already answered that, so not good. Yep.\n\nYes. Yes. Yep. That's good. Yeah.\n\nSounds good. Yes. Yes. Yes. All we're waiting for now is the end of month, which is tomorrow, to pay the interest that would have been accrued Can that be?\n\nBefore we paid it off, which overall is Yeah. Which overall is gonna be less than a thousand dollars. So yep. Yeah. Finally.\n\nAbsolutely on us. Prices. I mean, I've come back a little bit now, but it's insane, the prices. Yeah. So it's really hard now to get in.\n\nYeah. Yep. Yep. Everything's paid. You're done.\n\nOh, all gone. Not yet. Hasn't hit home yet. Once the interest is gone Well, everything everything's weird. I'm real at the moment.\n\nIt's unreal. But yeah. No. Yeah. It's a little bit of a buffer there.\n\nYeah. Just over 3. Yep. Yep. Yep.\n\nOkay. Probably not at the moment because I'm not getting a lot at the moment. I see how we go. I see how we, you know, work things out. If there's extra, then yeah.\n\nIf there is extra, is Caroline able to make voluntary contributions manually? So it's not telling me that. Yeah. Okay. Yeah.\n\nYes. Yeah. Yeah. We'll see how it goes first and work it out from there. Yeah.\n\nYep. Yes. Yes. That's good. Hi.\n\nThat's all. Yeah. Everything answered everything, really. That's good. Yes.\n\nYes. That's right. Yeah. Okay. Oh, we will.\n\nWhen it went extinct. Okay. Thank you. Thank you, Dana. 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be?","start":1330.375,"end":1339.54,"sentiment":"neutral","sentiment_score":0.005660781115293503}],"sentiment":"neutral","sentiment_score":0.03205207387606303,"num_words":30,"start":1316.21,"end":1339.54},{"sentences":[{"text":"Before we paid it off, which overall is Yeah.","start":1339.66,"end":1344.86,"sentiment":"neutral","sentiment_score":0.037263461078206696},{"text":"Which overall is gonna be less than a thousand dollars.","start":1344.9401,"end":1347.18,"sentiment":"neutral","sentiment_score":0.029546251893043517},{"text":"So 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will.","start":1666.85,"end":1667.49,"sentiment":"neutral","sentiment_score":0.16023211677869162}],"sentiment":"neutral","sentiment_score":0.1789095290005207,"num_words":8,"start":1631.0549,"end":1667.49},{"sentences":[{"text":"When it went extinct.","start":1667.49,"end":1674.55,"sentiment":"neutral","sentiment_score":0.14369789883494377},{"text":"Okay.","start":1677.5701,"end":1677.81,"sentiment":"neutral","sentiment_score":0.1677873730659485},{"text":"Thank you.","start":1677.81,"end":1678.29,"sentiment":"neutral","sentiment_score":0.33065642416477203},{"text":"Thank you, Dana.","start":1678.29,"end":1679.0969,"sentiment":"positive","sentiment_score":0.36596407492955524},{"text":"Thank you.","start":1679.1769,"end":1679.997,"sentiment":"neutral","sentiment_score":0.31533078849315643}],"sentiment":"neutral","sentiment_score":0.26103713487585384,"num_words":12,"start":1667.49,"end":1679.997}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Caroline. It's Dana from Oakey Financial. How are you?\n\nChannel 1: Oh, good. Thank you.\n\nChannel 0: That's good. I had yourself and Neil booked in for a bit of a catch up this afternoon. Is now still a good time for you both?\n\nChannel 1: Yes. It is. I'm just gonna grab him. That cut more than one.\n\nChannel 0: Yeah. That's\n\nChannel 1: Hang\n\nChannel 0: okay.\n\nChannel 1: on.\n\nChannel 0: You're right.\n\nChannel 1: Hang on a sec. Yeah. He's coming.\n\nChannel 0: Oh, all good. All good. Caroline, just while we are while Neil's on the way over, I'll just get you to confirm, I we do record our calls for quality and training purposes. Are you both happy for us to proceed with that?\n\nChannel 1: Yes.\n\nChannel 0: Fantastic. And just to do a really quick security check that we do as well, if you can just confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Yeah. Caroline k Debone. 90\n\nChannel 0: Yep.\n\nChannel 1: 9963 Rainy Road in Capel.\n\nChannel 0: Beautiful. Thank you so much for that. And how's your day been? Neil made mention you got a new job.\n\nChannel 1: Yes. I do. Yeah.\n\nChannel 0: Are you enjoying it?\n\nChannel 1: Yeah. It's not too bad. It's a lot to learn because I haven't used\n\nChannel 0: Yes.\n\nChannel 1: my brain in about ten years. So yeah. So I'm getting there.\n\nChannel 0: It oh, fantastic. Fantastic.\n\nChannel 1: Yeah.\n\nChannel 0: And in income wise, what are you sorta on at the moment with this new role? Are you on just a salary or an hourly wage?\n\nChannel 1: A hourly rate.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: All good. How much are you sort of on hourly at the moment?\n\nChannel 1: 34.\n\nChannel 0: 34 per hour? Beautiful.\n\nChannel 1: Yeah. 34\n\nChannel 0: And\n\nChannel 1: something.\n\nChannel 0: how yes. That's okay. 34. And how many hours per week are you working on average?\n\nChannel 1: Oh, hard to say at the moment. Because when I was training, I was doing four days on training,\n\nChannel 0: Yep.\n\nChannel 1: and then I'm\n\nChannel 0: Okay.\n\nChannel 1: doing two to four days, and and next week I'm doing three days. So it's just it varies.\n\nChannel 0: Yeah. When you finish training, do you know what you should be sort of doing averaging?\n\nChannel 1: Not at the moment because\n\nChannel 0: Yep.\n\nChannel 1: it's quiet at the moment and when it picks up again,\n\nChannel 0: Yep.\n\nChannel 1: it gets\n\nChannel 0: No.\n\nChannel 1: busy.\n\nChannel 0: That's okay. Yeah. All good. And what's the new role that you're doing?\n\nChannel 1: Work for big brand insurance company.\n\nChannel 0: Oh, fantastic.\n\nChannel 1: Yeah. Merchandising. Merchandising.\n\nChannel 0: Yeah. No. That's fantastic. How are you, Neil? Good to talk to you both.\n\nChannel 1: Yes. I'm well. Very well.\n\nChannel 0: That's that's good. Now I do wanna confirm that $1.60 was withdrawn out. Have you received that in your bank account? It's all good?\n\nChannel 1: Yes. Thank you.\n\nChannel 0: Yes. Easy. Not a problem at all. So with the catch up today, I just wanted to sort of reevaluate the advice because, obviously, the the original advice provided was to move into pension to draw the $1.60 down so you can become completely debt free. But then the next part of the advice was to for Neil, for you to stay in pension phase, and as of next financial year, start drawing an income.\n\nAnd, Caroline, you are planning to retire or stop working in at the end of the year when you turn 60, but there's been some changes. So, Neil, last time we spoke, you were thinking about going back to work or, you know, something along those lines. And Carolyn, we're not sure if you'd wanna retire now in the next when you turn 60.\n\nChannel 1: Yeah. I know. I just have to let me get this now. I think it's a how I go.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Yeah. Because I'm still learning a lot. So I think see what happens.\n\nChannel 0: Yep.\n\nChannel 1: I think you change and I decide to I'll just I'll let you know.\n\nChannel 0: Yes.\n\nChannel 1: I will go from there to there.\n\nChannel 0: Yep. No. That's okay. That's not a problem at all. So what I'd probably like to do now, if that's okay with you guys, is maybe update the advice to reflect.\n\nBecause at the moment with the last advice piece, the team is sort of sitting there expecting that you might wanna retire. So what I'd probably like to do is look at your circumstances with the changes. Caroline, did you want me to maybe look at what it looks like for you if you continue to work past the age of 60 to sort of see how that goes? And if you decide in the next few months you wanna change your mind and stop working, you can tell me. I can update the advice again.\n\nWe can, you know, withdraw the money out at your request. There's plenty of ways we can go with that. But did you want me to maybe update the advice now to reflect working past 60 and what that maybe looks like for your super moving forward?\n\nChannel 1: Yeah. Yeah. Well, yeah, I'll keep my options open now. Yeah.\n\nChannel 0: Okay. No worries.\n\nChannel 1: Sorry\n\nChannel 0: And\n\nChannel 1: for the\n\nChannel 0: what\n\nChannel 1: extra\n\nChannel 0: that looks\n\nChannel 1: work.\n\nChannel 0: like? No. You have nothing to apologize for.\n\nChannel 1: Okay.\n\nChannel 0: I love this stuff. Honestly, like, if you ring me in a month's time ago, hey. Thanks for that. Love that we're gonna retire. I'll go, cool.\n\nLet's do it again. Let's go. No. It is absolutely fine. This is what I live for, honestly.\n\nPerfect. Well, we have done the I'll probably look at maybe switching the investments now for you as well, Caroline, because we didn't do it last time because it didn't work out\n\nChannel 1: Okay.\n\nChannel 0: worthwhile. But\n\nChannel 1: Yes.\n\nChannel 0: if you are kind of enjoying a job and there is a chance you might wanna work a bit longer, let's say, maybe another one, two, or three years, even if you just wanna work till the end of the year and then retire, it might still be worth just switching up the investment.\n\nChannel 1: Yes. Yes.\n\nChannel 0: The main reason we did it last time was that the capital gains consequences put you in a negative position, and then\n\nChannel 1: Yes.\n\nChannel 0: you didn't really have the time to make that money back prior to you turning 60 at the end of the year. So are you happy with me to reevaluate the investments and maybe update those for you as well and maybe look\n\nChannel 1: Yes.\n\nChannel 0: at the next twelve months. Or how far how far down the track do you want me to look at for this advice, please?\n\nChannel 1: I'm not sure. Just go six months. Second? Yeah. Go for\n\nChannel 0: Six\n\nChannel 1: six\n\nChannel 0: months.\n\nChannel 1: months and then we'll reassess. Yeah. Posting where we're at. Yeah. Because I really don't\n\nChannel 0: Yep.\n\nChannel 1: know. I do enjoy\n\nChannel 0: Yep.\n\nChannel 1: the job at the moment. I'm learning a lot still, but I'm working on my own, which is nice\n\nChannel 0: Yeah.\n\nChannel 1: as\n\nChannel 0: Okay.\n\nChannel 1: well. But you still got a lot of responsibility as well. So she's\n\nChannel 0: Yeah.\n\nChannel 1: had a lot of stress.\n\nChannel 0: Yeah.\n\nChannel 1: It's been better stress. Yeah.\n\nChannel 0: Oh,\n\nChannel 1: 60\n\nChannel 0: that's\n\nChannel 1: cents.\n\nChannel 0: good.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Yeah. No. That's good. I'm glad you're really enjoying it because I know with your last job, you were just really over it, couldn't wait to retire.\n\nYou just you know,\n\nChannel 1: Oh,\n\nChannel 0: it was\n\nChannel 1: wow.\n\nChannel 0: it was enough.\n\nChannel 1: It was.\n\nChannel 0: Yeah.\n\nChannel 1: It wasn't. Yeah. I didn't think\n\nChannel 0: Oh,\n\nChannel 1: I'll\n\nChannel 0: that's\n\nChannel 1: get another job. You know? I got it through my next door neighbor. So I didn't think I would\n\nChannel 0: fantastic.\n\nChannel 1: get one. Yeah.\n\nChannel 0: Yeah. Oh, look. This opportunity was meant to be. It's they give you something else to focus on. If it's you know, you're learning something new, gaining new skills, and enjoying something different for a while, that's an absolute benefit.\n\nLove that.\n\nChannel 1: Yeah. It's good, but it's hard when you're older.\n\nChannel 0: Hard. Yeah. Absolutely. Absolutely. No.\n\nNot a problem. Well, I'll I'll update your advice and maybe reflect working forward to the next six months and still seeing how that works for you. I can sort of just maybe update the projections and show you what that looks like for you so far, you know, in that time frame.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Neil, with yourself, are you planning on going back to work? That was something we sort of discussed. You're planning on maybe going back to work or getting a new job, or what's your plans moving forward?\n\nChannel 1: Yeah. Probably not at this stage. Let me see.\n\nChannel 0: Okay.\n\nChannel 1: I think so. Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: With\n\nChannel 0: That's\n\nChannel 1: what\n\nChannel 0: okay.\n\nChannel 1: Caroline's doing with what Caroline's doing, it's we we we're getting by nicely.\n\nChannel 0: Okay.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. That's okay. So with the the pension account you have at the moment, it's sitting in pension phase currently. So we've drawn down the 160,000, which was essentially, I've drawn it down as a pension payment, so you don't have\n\nChannel 1: Yep.\n\nChannel 0: to draw anything else out of that pension for this financial year, which is great.\n\nChannel 1: Yep.\n\nChannel 0: Essentially, we can sit as it is until, say, the July 1 next year, and then we need to consider the minimum pension payment for next financial year, which won't be a lot. The current balance you have in there at the moment, and I'll just go back to it for you, sorry, is $150,157,897 there.\n\nChannel 1: Okay. Yep.\n\nChannel 0: We've got a yeah. So we've got a couple of options. We can look to keep you in pension phase. As I said, you don't have to draw anything else out of the time being. If you decide you want, you absolutely can.\n\nThe benefit to it sitting in pension phase is that there's no income tax or capital gains tax consequences for where we are at the moment. So, essentially, sitting in pension, any growth or any income earned from the portfolio is reinvested back, but your super fund doesn't pay any tax on that. The other option is we can always move you back into accumulation phase, which is where you were in the super, you know, accumulation phase prior to this. You don't have to then draw anything out of that. Sitting in accumulation phase, there are tax consequences.\n\nSo your super does pay 15% tax on income and CGT. You get a a discount if you've held the asset for more than twelve months, but there are tax consequences in there. So are you kind of planning on wanting to maybe put anything back into that, or are you sort of just happy to let it sit for the moment? What are you sort of thinking?\n\nChannel 1: No. Just leave it. It's hit at the moment, I think.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Leaving\n\nChannel 1: Yeah. What's\n\nChannel 0: it sit?\n\nChannel 1: that? What's\n\nChannel 0: Yes.\n\nChannel 1: that? What's that?\n\nChannel 0: That's\n\nChannel 1: What\n\nChannel 0: that's\n\nChannel 1: what would you what would you advise? Would you advise something something small going in there or just fix there?\n\nChannel 0: Well, the way it is at the moment so in pension phase, we can't actually make any additional contributions to it. In order\n\nChannel 1: Yes.\n\nChannel 0: to make additional contributions to it, we actually have to move it back into the accumulation phase.\n\nChannel 1: Yes. Where\n\nChannel 0: In\n\nChannel 1: is\n\nChannel 0: saying\n\nChannel 1: this?\n\nChannel 0: that it really sorry. You're right, Caroline.\n\nChannel 1: Where it's sitting at the moment. We won't pay tax on that?\n\nChannel 0: No. No. You actually don't pay any tax on it at all. It's\n\nChannel 1: Okay.\n\nChannel 0: just that inside super your super fund, just like you, does a tax return every year because it's a trust. It's a separate entity. And so the trustee of the super fund does a tax return. They pay income tax and capital gains tax and things like that. And\n\nChannel 1: Yes.\n\nChannel 0: that's why when we did the advice, we wanted to sort of, you know, move you into pension phase to that income you draw drew down was completely tax free for you, but there was no income there was no tax consequences in the inside the funds for doing that.\n\nChannel 1: Yes. Yes.\n\nChannel 0: So it can sit there as it is. If we do move it back to accumulation phase and we start making contributions to it, I wanna make sure the contributions going in made it worthwhile, making sure that you're not paying more in tax than what you're actually putting into the fund and making in growth. But if you're kind of happy with where it is at the moment, we can just leave it as it is for the time being. You've\n\nChannel 1: Yes.\n\nChannel 0: got time to work out what you wanna do. We can catch up in a few months' time if you like, and we can decide down the track whether we, you know, move back into super phase, like, into the accumulation phase, whether you wanna go back to work, or whether you're happy just, you know, staying as you are for the time being and being fully retired, essentially. Does that make sense?\n\nChannel 1: Yeah. Yes. Especially where it is. Yeah.\n\nChannel 0: Yeah. With your advice, Caroline, if if Neil's happy to stay where he is at the moment, like, I'd like to sort of maybe update yours. But if we're happy just to stay where we are, I can even just leave your advice as it is for the time being. There was no changes to be made until you turn 60, and we can always catch up maybe a couple of months out. So you're 60 in October, aren't you?\n\nChannel 1: September. End\n\nChannel 0: September.\n\nChannel 1: of\n\nChannel 0: Sorry.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: End of September. Yeah.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: The September 9.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. Did you want me to maybe update the advice to reflect you working a bit longer to, say, the end of the year, or did you want me to just leave it as is and we maybe touch base in September to see whether you do wanna retire and take the funds out or what you wanna do with the with your working? What would you like me to do?\n\nChannel 1: Oh, I probably will oh, yeah. I'll probably work the end of the year and get get a good go and see how I feel\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: for this\n\nChannel 0: Yep.\n\nChannel 1: job. Yeah. No. Just giving\n\nChannel 0: Did\n\nChannel 1: up\n\nChannel 0: you\n\nChannel 1: for\n\nChannel 0: want\n\nChannel 1: that problem.\n\nChannel 0: no. That's okay. Did\n\nChannel 1: Yeah.\n\nChannel 0: you want me to look at doing the advice and reflecting on things now for you, or do you wanna touch base maybe closer to your birthday to see how you feel, how the job's going?\n\nChannel 1: I don't know. What do you think? Were you starting to get a hit around this? Yeah. Starting to get my hit around it now.\n\nProbably the\n\nChannel 0: Yeah.\n\nChannel 1: end of the year, maybe. Yeah.\n\nChannel 0: End of the year? Yep. That's\n\nChannel 1: Yeah.\n\nChannel 0: okay.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay. Beautiful. So you probably work to the end of the year. Excellent.\n\nChannel 1: Yeah.\n\nChannel 0: That's alright. Are you comfortable with me just going back and having a look at things? Maybe just\n\nChannel 1: Yes.\n\nChannel 0: update the advice to reflect and sort of show you what sort of growth we might expect out of the super up till, say, the Christmas to December? Is that okay?\n\nChannel 1: Yes. That's good. Yeah.\n\nChannel 0: Yep. Beautiful. Do you think after that time you might be wanting to look at with withdrawing the funds out, or do you think what's the last what are you wanting to work longer than that, do you think?\n\nChannel 1: I don't know. It's hard to say at the moment.\n\nChannel 0: Yeah. No. That's okay.\n\nChannel 1: We do still like the idea of getting caravan, but, yeah, not just yet.\n\nChannel 0: Yep. No.\n\nChannel 1: Yeah. Well,\n\nChannel 0: That's\n\nChannel 1: hold\n\nChannel 0: okay.\n\nChannel 1: on. Let me double check. Yeah. Because I like it.\n\nChannel 0: Yeah.\n\nChannel 1: We're gonna\n\nChannel 0: No.\n\nChannel 1: think\n\nChannel 0: That's\n\nChannel 1: about it. Otherwise,\n\nChannel 0: yes.\n\nChannel 1: we will be really short.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay. Do you think you'll wanna use your super for towards the caravan? Or because I know one of the things we talked about was maybe if you did retire, drawing the funds out, maybe incorporating it into your super and try to put everything in one place and grow it a bit more? What do you sort of what what do you think your plans might be from next year onwards? Have you sort of talked about what you'd like to do, when you might like to buy the caravan, what, you know, retirement looks like moving forward?\n\nChannel 1: I'm not sure at the moment.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. I just thought I thought I'd just take it as a go for now and see how you know, the job sort of works for me. And if I feel like it does as well then, you know, I might finish up. I'll just see how I feel. Which because today can be busy around if they also set up and just they've only wanna work two days, me and I can't.\n\nSo which would be good.\n\nChannel 0: Okay.\n\nChannel 1: So I don't have\n\nChannel 0: Yep.\n\nChannel 1: to do a lot of sales. Yeah.\n\nChannel 0: Yep. No.\n\nChannel 1: So\n\nChannel 0: That's okay.\n\nChannel 1: yeah.\n\nChannel 0: That's absolutely fine. Can I\n\nChannel 1: Yeah.\n\nChannel 0: ask, with your take home pay, you now you sort of said that with what, Carol, and you're earning, it's kind of covering your expenses at the moment? What is your average take home pay? What are you sort of getting in hand at the end of the week or the fortnight?\n\nChannel 1: What's the last\n\nChannel 0: Average.\n\nChannel 1: one? 11, please? $111,100. 1,100? Yep.\n\nChannel 0: 1,100? Yeah. Fantastic. And that's per week or fortnight? Sorry.\n\nChannel 1: That's $4.09.\n\nChannel 0: Per fortnight. Beautiful. Excellent.\n\nChannel 1: Yeah.\n\nChannel 0: And that's covering everything nicely because, I mean, the other side of that $1.60 was to leave you all complete leave you both completely debt free. So you are finding that fairly comfortable for you?\n\nChannel 1: Yes. Yes. Yes. We are.\n\nChannel 0: Yep.\n\nChannel 1: We\n\nChannel 0: Yep.\n\nChannel 1: live simply.\n\nChannel 0: Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: That's okay. There's nothing wrong with that at all. That's absolutely fine.\n\nChannel 1: Yeah.\n\nChannel 0: Easy. Well, if you like, what I could do and, look, you're allowed to tell me no. You're allowed to sort of say if you don't wanna do this. You know, all of your advice feels fairly comfortable for the time being, so I can leave\n\nChannel 1: No.\n\nChannel 0: that side of things as it is if you want. Caroline, I can update yours. I can just go back back maybe have a look at the investment, see if it's worth changing the investments now, and maybe look\n\nChannel 1: Yes.\n\nChannel 0: at what your contributions are going in. And we could maybe just do a limited scope sort of advice document to see what this looks like up to, say, the end of the year with what the projected balance might look like. Is that okay?\n\nChannel 1: Yes. Yes. Absolutely.\n\nChannel 0: Yep.\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. If I do the research and come back and say, hey. There's really no point in making the switch with the investment, then I may come back and say, hey. Let's just leave everything as it is for the moment and then catch up when you turn 60 and decide what you wanna do and maybe update the advice then.\n\nChannel 1: Yes.\n\nChannel 0: But I'll go back and just do the research for now to see what that looks like. Is that okay?\n\nChannel 1: Yes. That's good. Yes.\n\nChannel 0: Yes. Beautiful. Lovely. Excellent. So I'll look at the investments within super and see if there's any need to switch them.\n\nIf there's not, we can do a catch up closer to your birthday and decide whether you wanna keep working longer or what you wanna do. The other side of it is, like, even as much as the advice is there, if you decide that you don't wanna withdraw the funds, you wanna keep working past 50, that's absolutely\n\nChannel 1: Yes.\n\nChannel 0: fine. If you decide, no, a month later, you've had enough and you wanna stop working and retire a bit, that's absolutely fine as well.\n\nChannel 1: Yep. Okay.\n\nChannel 0: We'll we'll\n\nChannel 1: Yep.\n\nChannel 0: work within your time frame. Okay.\n\nChannel 1: Yeah. That sounds good. Yeah. Sounds like a lot\n\nChannel 0: Beautiful.\n\nChannel 1: of work for you, though.\n\nChannel 0: That's okay. That's honestly\n\nChannel 1: Yeah.\n\nChannel 0: fine. That's absolutely fine. It's what I do. That's what you pay me for. Well, it's what you pay your ongoing service fee for.\n\nBeautiful. All good. And, Neil, do you think are you sort of thinking with next year? I don't know. Next year is six months away.\n\nThere's a lot that could change that time frame, but do you have any idea if you are maybe wanting to, you know, look at going back into work or anything next year onwards or year sort of hoping to just enjoy retirement as long as you can.\n\nChannel 1: Yeah. No. I'll probably look at going back into doing something. I keep\n\nChannel 0: Okay.\n\nChannel 1: getting lots\n\nChannel 0: Beautiful.\n\nChannel 1: of offers thrown at me with the\n\nChannel 0: That's\n\nChannel 1: sick.\n\nChannel 0: not a bad thing.\n\nChannel 1: No. It's not. Some different things\n\nChannel 0: Beautiful.\n\nChannel 1: too.\n\nChannel 0: Well,\n\nChannel 1: Sorry.\n\nChannel 0: it's yeah. No. That's all good. Well, if you decide you wanna take something on, it does mean to be able to receive contributions, we'll need to roll you back into the accumulation phase.\n\nChannel 1: Yeah.\n\nChannel 0: So what I'll do is, Carol, I'll go back and just do a bit of research. I'll look at the difference of changing the portfolio, whether it's worth doing it, what the growth looks like. If\n\nChannel 1: Yes.\n\nChannel 0: I come back and go, hey. It's really not worth doing, I'll let you know that we should probably hold off,\n\nChannel 1: Yes.\n\nChannel 0: and then we'll do a catch up around it at your birthday before we implement anything for the previous document. And then we can always update the advice then or even just make some changes, essentially, to alter the advice. It doesn't have to be a whole big SOA. It can just be a phone note saying that you don't wanna withdraw the funds. You wanna keep working for another few months.\n\nSo\n\nChannel 1: Yes.\n\nChannel 0: I can always just do up that sort of file note for you and just a record of advice to reflect the change. Does that make sense? Do you have any questions? Yes. You will if if you do have questions, please let me know.\n\nI know it's sort of a\n\nChannel 1: Yes.\n\nChannel 0: lot to go through, and there's a lot of considerations\n\nChannel 1: Oh, you've\n\nChannel 0: to take\n\nChannel 1: you've\n\nChannel 0: into\n\nChannel 1: actually covered\n\nChannel 0: it.\n\nChannel 1: you've actually covered the question we did have, so that's all good\n\nChannel 0: Oh, good.\n\nChannel 1: without\n\nChannel 0: Good.\n\nChannel 1: knowing.\n\nChannel 0: Good. No.\n\nChannel 1: It was\n\nChannel 0: Fantastic.\n\nChannel 1: basically as as to whether I would be able to make contributions to my account.\n\nChannel 0: Okay.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: But that's\n\nChannel 0: Yep.\n\nChannel 1: fine. You've\n\nChannel 0: No.\n\nChannel 1: already\n\nChannel 0: That's\n\nChannel 1: answered\n\nChannel 0: alright.\n\nChannel 1: that, so not good. Yep.\n\nChannel 0: Yep. No. That's absolutely fine. Not a problem. If anything changes with yourself, Neil, let me know.\n\nIn the meantime, I'll just do a little bit of research here around Carol and Sue, but whether it's worth making any changes. I don't wanna check the same as last time. I don't wanna make any changes to your investments if it's gonna mean there's tax consequences to your Sue for that. The growth doesn't make up quickly. If\n\nChannel 1: Yes.\n\nChannel 0: the if we can make the changes and then the growth that comes out of that plus the contributions over the next six months, if that works out preferable and worthwhile, then absolutely.\n\nChannel 1: Yes.\n\nChannel 0: And what I might even do, depending on what what comes out of my research, I might even just do a joint document noting that, you know, all your recommendations remain the same. I'll just kinda go back and review everything, have a look at it all, update your advice to reflect appropriately, and then I'll come back and let you know what what the reset shows me I should do. Is that okay for you both? Do you\n\nChannel 1: Yep. That's good. Yeah. Sounds good.\n\nChannel 0: yes. Yep.\n\nChannel 1: Yes.\n\nChannel 0: Beautiful. Excellent. Excellent. Other than that, have you paid off the mortgage as\n\nChannel 1: Yes.\n\nChannel 0: of now? Is it all paid off now? Yeah?\n\nChannel 1: Yes. All we're waiting for now is the end of month, which is tomorrow, to pay the interest that would\n\nChannel 0: Mhmm.\n\nChannel 1: have been accrued Can that be? Before we paid it off,\n\nChannel 0: Okay.\n\nChannel 1: which overall\n\nChannel 0: Fantastic.\n\nChannel 1: is Yeah. Which overall is gonna be less than a thousand dollars. So\n\nChannel 0: Honestly\n\nChannel 1: yep.\n\nChannel 0: and look. You're completely debt free now. You own your own home. That is amazing. Most people would honestly die to be in that kind of a position.\n\nLike, a lot of people are freaking out now going, will I ever own a home? That's amazing.\n\nChannel 1: Yeah. Finally. Absolutely on us. Prices. I mean, I've come back a little bit now, but it's insane, the prices.\n\nYeah. So\n\nChannel 0: Yes.\n\nChannel 1: it's really hard now\n\nChannel 0: Yes.\n\nChannel 1: to get in.\n\nChannel 0: Yeah. Absolutely. Absolutely. We did also have it down that you had a loan on the Triton as well over that 28,000 there. Did you pay that loan out as well?\n\nChannel 1: Yeah. Yep. Yep. Everything's\n\nChannel 0: Yep.\n\nChannel 1: paid.\n\nChannel 0: All done.\n\nChannel 1: You're done.\n\nChannel 0: Fantastic.\n\nChannel 1: Oh, all gone.\n\nChannel 0: Beautiful. Did you go out for dinner or do anything nice to celebrate paying it all off?\n\nChannel 1: Not yet. Hasn't hit home yet. Once the interest\n\nChannel 0: Hasn't\n\nChannel 1: is\n\nChannel 0: hit\n\nChannel 1: gone\n\nChannel 0: home yet? I\n\nChannel 1: Well,\n\nChannel 0: love\n\nChannel 1: everything\n\nChannel 0: it. That's\n\nChannel 1: everything's\n\nChannel 0: fantastic.\n\nChannel 1: weird. I'm real at the moment. It's unreal. But\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Yeah. No. That's fantastic. Your hard work is paying off. It is really, really good to see.\n\nAnd do you have some funds left sitting in savings, like a rainy day or is it a bit of a buffer?\n\nChannel 1: No. Yeah. It's a little bit of a buffer there. Yeah.\n\nChannel 0: Yep. How much do you have sort of sitting in the savings at the moment?\n\nChannel 1: Just over 3.\n\nChannel 0: 3,000? Beautiful. Excellent. Lovely. And, Neil, I'll just change your income to\n\nChannel 1: Yep.\n\nChannel 0: 0 for the moment. I'll note down\n\nChannel 1: Yep.\n\nChannel 0: here fully retired. Beautiful. And, look, if you decide to take on a role and wanna roll back into accumulation, just let me know. I'll get the team to book you in ASAP so we can talk about it.\n\nChannel 1: Yep.\n\nChannel 0: I can update the advice, and we can look at, obviously, how that tracks for you moving forward as well. Okay? And I can do that sort of thing very, very quickly for you if need be. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Excellent. All good. Other than that, I'm just double checking to see if there's anything else that I need to update for you at the moment. Everything else looks like it's pretty accurate. Carolyn, you're not salary sacrificing or wanting to put additional into super at the moment, are you?\n\nAre you wanting to look at maybe adding some extra into your super to sort of provide a bigger buffer and boost it a bit more?\n\nChannel 1: Probably not at the moment because I'm not\n\nChannel 0: Yep.\n\nChannel 1: getting a lot at the moment. I\n\nChannel 0: Yep.\n\nChannel 1: see how we go. I see how we, you know, work things out. If there's\n\nChannel 0: Yep.\n\nChannel 1: extra, then yeah. If there is extra, is Caroline able to make\n\nChannel 0: Mhmm.\n\nChannel 1: voluntary contributions manually? So it's not\n\nChannel 0: Yeah.\n\nChannel 1: telling\n\nChannel 0: Absolutely.\n\nChannel 1: me that. Yeah. Okay.\n\nChannel 0: Yes. Abs absolutely. We can definitely do that. You don't I can always factor into advice, or you can just request that we do so\n\nChannel 1: Yeah.\n\nChannel 0: So long as you're underneath the cap, whether it be concessional or non concessional, you and I could always talk about that when you've got extra funds. If you ring in your hand,\n\nChannel 1: Yes.\n\nChannel 0: like, to make additional contributions, I'll fit you in. We'll chat about what options you have, what works for you. It it'll take me a couple of weeks to do the research for you for this advice. But if it comes up in the next few weeks that you want me to incorporate it, just give me a buzz, and I can, you know, add that into the advice piece for you, or we can just do it at your request. But you can absolutely do that.\n\nIt's not a problem at all. Yeah.\n\nChannel 1: Yeah. Yeah. We'll see how it goes first and\n\nChannel 0: Perfect.\n\nChannel 1: work it out\n\nChannel 0: Yep.\n\nChannel 1: from there.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Absolutely. Not a problem at all. Well, I'll\n\nChannel 1: Yep.\n\nChannel 0: just go back to the drawing board, do a little bit of an update for you, and I'll let you know how I go. I'll let you know whether it's worth updating your advice or not and what this looks like, and then we'll definitely make sure we do a catch up with you prior to your birthday at least just to see how things are going for you and see if there's any changes that you wanna make to your\n\nChannel 1: Yes.\n\nChannel 0: circumstance or\n\nChannel 1: Yes.\n\nChannel 0: your retirement\n\nChannel 1: That's good.\n\nChannel 0: plan. Okay? Fantastic. Is there any questions that either of you might have for me at the moment? Anything else that you might want me to look up, do for you, research for you?\n\nOr\n\nChannel 1: Hi. That's all. Yeah. Everything answered everything, really. That's good.\n\nChannel 0: oh, that's really good. Perfect. Just wanna make sure that we keep up to date, keep catching up, see how things are going for you, and make alterations as you guys need them to happen as well. Okay.\n\nChannel 1: Yes. Yes. That's right. Yeah.\n\nChannel 0: Fantastic. Lovely. Well, I will get cracking on the research. I'll let you know how I go. And, yeah, I'll let you know if there's anything else we need, any other additional questions.\n\nOr if you guys have anything for me, you just let me know, and we'll make time to catch up. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Easy. Thank you so much for your time. I really appreciate it. I hope you guys have a lovely night and a great weekend. Thank you so much.\n\nEnjoy going out and celebrating that home loan being paid off.\n\nChannel 1: Oh, we will. When it went\n\nChannel 0: Awesome. Thank you so much for your time. I'll let you go.\n\nChannel 1: extinct.\n\nChannel 0: You have an amazing evening. I'll talk to you both very soon.\n\nChannel 1: Okay. Thank you. Thank you, Dana. Thank you.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.76,"end":2.26,"sentiment":"neutral","sentiment_score":0.02753758430480957}],"sentiment":"neutral","sentiment_score":0.02753758430480957,"channel":1,"num_words":1,"start":1.76,"end":2.26},{"sentences":[{"text":"Hi, Caroline.","start":3.9199998,"end":4.66,"sentiment":"neutral","sentiment_score":0.13581354171037674},{"text":"It's Dana from Oakey Financial.","start":4.72,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.14498862326145173},{"text":"How are you?","start":6.3999996,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.16732288400332132}],"sentiment":"neutral","sentiment_score":0.1498538851737976,"channel":0,"num_words":10,"start":3.9199998,"end":7.2999997},{"sentences":[{"text":"Oh, good.","start":7.6,"end":8.08,"sentiment":"positive","sentiment_score":0.514799952507019},{"text":"Thank you.","start":8.08,"end":8.82,"sentiment":"positive","sentiment_score":0.6888903379440308}],"sentiment":"positive","sentiment_score":0.6018451452255249,"channel":1,"num_words":4,"start":7.6,"end":8.82},{"sentences":[{"text":"That's good.","start":9.36,"end":10.0,"sentiment":"positive","sentiment_score":0.7213598787784576},{"text":"I had yourself and Neil booked in for a bit of a catch up this afternoon.","start":10.0,"end":13.2,"sentiment":"positive","sentiment_score":0.4011333417147398},{"text":"Is now still a good time for you both?","start":13.2,"end":15.139999,"sentiment":"positive","sentiment_score":0.36969364020559525}],"sentiment":"positive","sentiment_score":0.41437392543863366,"channel":0,"num_words":27,"start":9.36,"end":15.139999},{"sentences":[{"text":"Yes.","start":15.475,"end":15.715,"sentiment":"neutral","sentiment_score":0.16404160857200625},{"text":"It is.","start":15.715,"end":16.195,"sentiment":"neutral","sentiment_score":0.1643766239285469},{"text":"I'm just gonna grab him.","start":16.195,"end":17.475,"sentiment":"neutral","sentiment_score":0.10452424883842468},{"text":"That cut more than one.","start":17.475,"end":19.015,"sentiment":"neutral","sentiment_score":0.05125355124473572}],"sentiment":"neutral","sentiment_score":0.09782183514191554,"channel":1,"num_words":13,"start":15.475,"end":19.015},{"sentences":[{"text":"Yeah.","start":19.565,"end":19.725,"sentiment":"neutral","sentiment_score":0.07985807955265045},{"text":"That's","start":19.725,"end":19.965,"sentiment":"neutral","sentiment_score":0.07745753228664398}],"sentiment":"neutral","sentiment_score":0.07865780591964722,"channel":0,"num_words":2,"start":19.565,"end":19.965},{"sentences":[{"text":"Hang","start":19.875,"end":20.115,"sentiment":"neutral","sentiment_score":0.08183983713388443}],"sentiment":"neutral","sentiment_score":0.08183983713388443,"channel":1,"num_words":1,"start":19.875,"end":20.115},{"sentences":[{"text":"okay.","start":19.965,"end":20.445,"sentiment":"neutral","sentiment_score":0.09546489268541336}],"sentiment":"neutral","sentiment_score":0.09546489268541336,"channel":0,"num_words":1,"start":19.965,"end":20.445},{"sentences":[{"text":"on.","start":20.115,"end":20.615,"sentiment":"neutral","sentiment_score":0.07444081455469131}],"sentiment":"neutral","sentiment_score":0.07444081455469131,"channel":1,"num_words":1,"start":20.115,"end":20.615},{"sentences":[{"text":"You're right.","start":20.445,"end":21.185001,"sentiment":"neutral","sentiment_score":0.09188313037157059}],"sentiment":"neutral","sentiment_score":0.09188313037157059,"channel":0,"num_words":2,"start":20.445,"end":21.185001},{"sentences":[{"text":"Hang on a sec.","start":20.755001,"end":21.735,"sentiment":"neutral","sentiment_score":0.04249409306794405},{"text":"Yeah.","start":22.755001,"end":23.255001,"sentiment":"neutral","sentiment_score":0.1053113415837288},{"text":"He's coming.","start":25.875,"end":26.695,"sentiment":"neutral","sentiment_score":0.129502572119236}],"sentiment":"neutral","sentiment_score":0.07632755115628242,"channel":1,"num_words":7,"start":20.755001,"end":26.695},{"sentences":[{"text":"Oh, all good.","start":27.725,"end":28.765,"sentiment":"positive","sentiment_score":0.397452175617218},{"text":"All good.","start":28.765,"end":29.49,"sentiment":"positive","sentiment_score":0.3917309641838074},{"text":"Caroline, just while we are while Neil's on the way over, I'll just get you to confirm, I we do record our calls for quality and training purposes.","start":29.81,"end":37.829998,"sentiment":"neutral","sentiment_score":0.12259710101144654},{"text":"Are you both happy for us to proceed with that?","start":37.89,"end":40.309998,"sentiment":"neutral","sentiment_score":0.20775842517614365}],"sentiment":"neutral","sentiment_score":0.17409584965816763,"channel":0,"num_words":43,"start":27.725,"end":40.309998},{"sentences":[{"text":"Yes.","start":41.065,"end":41.565,"sentiment":"neutral","sentiment_score":0.3102641999721527}],"sentiment":"neutral","sentiment_score":0.3102641999721527,"channel":1,"num_words":1,"start":41.065,"end":41.565},{"sentences":[{"text":"Fantastic.","start":42.37,"end":42.87,"sentiment":"positive","sentiment_score":0.5600972771644592},{"text":"And just to do a really quick security check that we do as well, if you can just confirm your full name, your date of birth, and address I should have on 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Capel.","start":53.41,"end":56.23,"sentiment":"neutral","sentiment_score":0.039610081166028974}],"sentiment":"neutral","sentiment_score":0.039610081166028974,"channel":1,"num_words":5,"start":53.41,"end":56.23},{"sentences":[{"text":"Beautiful.","start":56.935,"end":57.415,"sentiment":"positive","sentiment_score":0.47280025482177734},{"text":"Thank you so much for that.","start":57.415,"end":59.035,"sentiment":"positive","sentiment_score":0.5961770912011465},{"text":"And how's your day been?","start":59.07,"end":60.27,"sentiment":"neutral","sentiment_score":0.3041562080383301},{"text":"Neil made mention you got a new job.","start":60.27,"end":62.21,"sentiment":"neutral","sentiment_score":0.08555983006954193}],"sentiment":"neutral","sentiment_score":0.3127561241388321,"channel":0,"num_words":20,"start":56.935,"end":62.21},{"sentences":[{"text":"Yes.","start":62.85,"end":63.25,"sentiment":"neutral","sentiment_score":0.17852410674095154},{"text":"I 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fantastic.","start":75.745,"end":77.765,"sentiment":"positive","sentiment_score":0.5753481884797415},{"text":"Fantastic.","start":77.985,"end":78.485,"sentiment":"positive","sentiment_score":0.5259376168251038}],"sentiment":"positive","sentiment_score":0.562995545566082,"channel":0,"num_words":4,"start":75.745,"end":78.485},{"sentences":[{"text":"Yeah.","start":79.740005,"end":80.240005,"sentiment":"neutral","sentiment_score":0.13345691561698914}],"sentiment":"neutral","sentiment_score":0.13345691561698914,"channel":1,"num_words":1,"start":79.740005,"end":80.240005},{"sentences":[{"text":"And in income wise, what are you sorta on at the moment with this new role?","start":79.985,"end":84.785,"sentiment":"neutral","sentiment_score":0.029505061567761004},{"text":"Are you on just a salary or an hourly wage?","start":84.785,"end":87.72,"sentiment":"neutral","sentiment_score":0.004613442718982697}],"sentiment":"neutral","sentiment_score":0.019931362010538578,"channel":0,"num_words":26,"start":79.985,"end":87.72},{"sentences":[{"text":"A hourly rate.","start":88.86,"end":90.0,"sentiment":"neutral","sentiment_score":0.012720431511600813}],"sentiment":"neutral","sentiment_score":0.012720431511600813,"channel":1,"num_words":3,"start":88.86,"end":90.0},{"sentences":[{"text":"Yep.","start":90.68,"end":91.18,"sentiment":"neutral","sentiment_score":0.03696107491850853}],"sentiment":"neutral","sentiment_score":0.03696107491850853,"channel":0,"num_words":1,"start":90.68,"end":91.18},{"sentences":[{"text":"Yeah.","start":91.82,"end":92.32,"sentiment":"neutral","sentiment_score":0.08089984953403473}],"sentiment":"neutral","sentiment_score":0.08089984953403473,"channel":1,"num_words":1,"start":91.82,"end":92.32},{"sentences":[{"text":"All good.","start":92.04,"end":92.78,"sentiment":"neutral","sentiment_score":0.13518214970827103},{"text":"How much are you sort of on hourly at the moment?","start":93.32,"end":95.82,"sentiment":"neutral","sentiment_score":0.021541054106571457}],"sentiment":"neutral","sentiment_score":0.03902429958375601,"channel":0,"num_words":13,"start":92.04,"end":95.82},{"sentences":[{"text":"34.","start":96.865,"end":97.685,"sentiment":"neutral","sentiment_score":0.006382939405739307}],"sentiment":"neutral","sentiment_score":0.006382939405739307,"channel":1,"num_words":1,"start":96.865,"end":97.685},{"sentences":[{"text":"34 per 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don't have to draw anything else out of the time being.","start":531.435,"end":534.47504,"sentiment":"neutral","sentiment_score":0.12045019467671712},{"text":"If you decide you want, you absolutely can.","start":534.47504,"end":537.01,"sentiment":"neutral","sentiment_score":0.288402933627367}],"sentiment":"neutral","sentiment_score":0.15723184201606485,"channel":0,"num_words":43,"start":523.835,"end":537.01},{"sentences":[{"text":"The benefit to it sitting in pension phase is that there's no income tax or capital gains tax consequences for where we are at the moment.","start":537.55005,"end":545.65,"sentiment":"neutral","sentiment_score":0.27560557367709965},{"text":"So, essentially, sitting in pension, any growth or any income earned from the portfolio is reinvested back, but your super fund doesn't pay any tax on that.","start":545.71,"end":558.105,"sentiment":"neutral","sentiment_score":0.16303383586583314},{"text":"The other option is we can always move you back into accumulation 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amazing evening.","start":1674.185,"end":1675.625,"sentiment":"positive","sentiment_score":0.4078045189380646},{"text":"I'll talk to you both very soon.","start":1675.625,"end":1677.405,"sentiment":"neutral","sentiment_score":0.2734826441322054}],"sentiment":"neutral","sentiment_score":0.3294500919679801,"channel":0,"num_words":12,"start":1674.185,"end":1677.405},{"sentences":[{"text":"Okay.","start":1677.5701,"end":1677.81,"sentiment":"neutral","sentiment_score":0.1677873730659485},{"text":"Thank you.","start":1677.81,"end":1678.29,"sentiment":"neutral","sentiment_score":0.33065642416477203},{"text":"Thank you, Dana.","start":1678.29,"end":1679.0969,"sentiment":"positive","sentiment_score":0.36596407492955524},{"text":"Thank you.","start":1679.1769,"end":1679.997,"sentiment":"neutral","sentiment_score":0.31533078849315643}],"sentiment":"neutral","sentiment_score":0.3197067528963089,"channel":1,"num_words":8,"start":1677.5701,"end":1679.997}]},"summary":{"result":"success","short":"Representatives from Oakey Financial speak with Caroline about updating their retirement plans and adjusting their investments. They suggest updating their retirement advice and adjusting their investment plans, and mention the benefits of working in a retirement plan and moving back to the pension phase. They also discuss updating their investment portfolio and updating their retirement plan to reflect their retirement age. The conversation ends with plans to update their investment and retirement plans and discuss potential changes to their investment strategy."},"intents":{"segments":[{"text":"And just to do a really quick security check that we do as well, if you can just confirm your full name, your date of birth, and address I should have on file. Yeah.","start_word":114,"end_word":147,"intents":[{"intent":"Confirm security check","confidence_score":0.0075697326}]},{"text":"And in income wise, what are you sorta on at the moment with this new role? Are you on just a salary or an hourly wage?","start_word":218,"end_word":243,"intents":[{"intent":"Check income","confidence_score":0.06485213}]},{"text":"And how many hours per week are you working on average? Oh, hard to say at the moment. Because when I was training, I was doing four days on training, Yep. and then I'm Okay. doing two to four days, and and next week I'm doing three days. So it's just it varies. Yeah.","start_word":276,"end_word":329,"intents":[{"intent":"Clarify hours worked","confidence_score":0.0056476234}]},{"text":"That's not a problem at all. So what I'd probably like to do now, if that's okay with you guys, is maybe update the advice to reflect.","start_word":637,"end_word":663,"intents":[{"intent":"Update advice","confidence_score":0.34761375}]},{"text":"I can update the advice again. We can, you know, withdraw the money out at your request. There's plenty of ways we can go with that. But did you want me to maybe update the advice now to reflect working past 60 and what that maybe looks like for your super moving forward? Yeah. Yeah.","start_word":754,"end_word":808,"intents":[{"intent":"Update advice","confidence_score":0.368807}]},{"text":"The main reason we did it last time was that the capital gains consequences put you in a negative position, and then Yes. you didn't really have the time to make that money back prior to you turning 60 at the end of the year. So are you happy with me to reevaluate the investments and maybe update those for you as well and maybe look Yes.","start_word":976,"end_word":1042,"intents":[{"intent":"Reevaluate investments","confidence_score":0.096211344}]},{"text":"Just go six months. Second?","start_word":1070,"end_word":1074,"intents":[{"intent":"Review career plans","confidence_score":0.00418332}]},{"text":"So with the the pension account you have at the moment, it's sitting in pension phase currently. So we've drawn down the 160,000, which was essentially, I've drawn it down as a pension payment, so you don't have Yep. to draw anything else out of that pension for this financial year, which is great. Yep.","start_word":1415,"end_word":1469,"intents":[{"intent":"Consider pension payment","confidence_score":0.04890223},{"intent":"Consider pension payment","confidence_score":0.050879695},{"intent":"Inquire about pension phase","confidence_score":0.0025906109}]},{"text":"Essentially, we can sit as it is until, say, the July 1 next year, and then we need to consider the minimum pension payment for next financial year, which won't be a lot.","start_word":1470,"end_word":1502,"intents":[{"intent":"Consider minimum pension payment","confidence_score":0.26920432}]},{"text":"We can look to keep you in pension phase.","start_word":1539,"end_word":1547,"intents":[{"intent":"Enroll in pension phase","confidence_score":0.0017593502},{"intent":"Consider pension phase options","confidence_score":0.057457466},{"intent":"Consider retirement phase","confidence_score":0.035233833}]},{"text":"Would you advise something something small going in there or just fix there?","start_word":1772,"end_word":1784,"intents":[{"intent":"Discuss retirement planning","confidence_score":0.00012188306}]},{"text":"With your advice, Caroline, if if Neil's happy to stay where he is at the moment, like, I'd like to sort of maybe update yours. But if we're happy just to stay where we are, I can even just leave your advice as it is for the time being. There was no changes to be made until you turn 60, and we can always catch up maybe a couple of months out.","start_word":2131,"end_word":2202,"intents":[{"intent":"Update advice","confidence_score":0.16915153}]},{"text":"Did you want me to maybe update the advice to reflect you working a bit longer to, say, the end of the year, or did you want me to just leave it as is and we maybe touch base in September to see whether you do wanna retire and take the funds out or what you wanna do with the with your working?","start_word":2230,"end_word":2292,"intents":[{"intent":"Reach retirement","confidence_score":0.004963799},{"intent":"Discuss retirement options","confidence_score":0.0009103103}]},{"text":"Just giving Did up you for want that problem. no. That's okay.","start_word":2333,"end_word":2344,"intents":[{"intent":"Express dissatisfaction with current job","confidence_score":0.000121905425}]},{"text":"update the advice to reflect and sort of show you what sort of growth we might expect out of the super up till, say, the Christmas to December? Is that okay? Yes.","start_word":2460,"end_word":2491,"intents":[{"intent":"Update advice","confidence_score":0.0036421092}]},{"text":"Do you think you'll wanna use your super for towards the caravan? Or because I know one of the things we talked about was maybe if you did retire, drawing the funds out, maybe incorporating it into your super and try to put everything in one place and grow it a bit more?","start_word":2598,"end_word":2650,"intents":[{"intent":"Retire and grow super","confidence_score":0.00118009}]},{"text":"What do you sort of what what do you think your plans might be from next year onwards? Have you sort of talked about what you'd like to do, when you might like to buy the caravan, what, you know, retirement looks like moving forward?","start_word":2651,"end_word":2695,"intents":[{"intent":"Discuss retirement plans","confidence_score":0.026500398}]},{"text":"What is your average take home pay? What are you sort of getting in hand at the end of the week or the fortnight? What's the last Average.","start_word":2834,"end_word":2861,"intents":[{"intent":"Assess financial situation","confidence_score":0.0013996935}]},{"text":"Next year is six months away. There's a lot that could change that time frame, but do you have any idea if you are maybe wanting to, you know, look at going back into work or anything next year onwards or year sort of hoping to just enjoy retirement as long as you can. Yeah.","start_word":3348,"end_word":3402,"intents":[{"intent":"Check retirement plans","confidence_score":0.018465025}]},{"text":"Well, if you decide you wanna take something on, it does mean to be able to receive contributions, we'll need to roll you back into the accumulation phase. Yeah.","start_word":3449,"end_word":3477,"intents":[{"intent":"Obtain contributions","confidence_score":0.0070343874}]},{"text":"I come back and go, hey. It's really not worth doing, I'll let you know that we should probably hold off, Yes. and then we'll do a catch up around it at your birthday before we implement anything for the previous document. And then we can always update the advice then or even just make some changes, essentially, to alter the advice.","start_word":3514,"end_word":3575,"intents":[{"intent":"Implement advice","confidence_score":0.0026923423}]},{"text":"I can always just do up that sort of file note for you and just a record of advice to reflect the change. Does that make sense? Do you have any questions? Yes.","start_word":3610,"end_word":3642,"intents":[{"intent":"Provide advice","confidence_score":0.014172643}]},{"text":"I don't wanna make any changes to your investments if it's gonna mean there's tax consequences to your Sue for that. The growth doesn't make up quickly. If Yes. the if we can make the changes and then the growth that comes out of that plus the contributions over the next six months, if that works out preferable and worthwhile, then absolutely. Yes.","start_word":3786,"end_word":3848,"intents":[{"intent":"Assist with investments","confidence_score":0.000317287}]},{"text":"And what I might even do, depending on what what comes out of my research, I might even just do a joint document noting that, you know, all your recommendations remain the same. I'll just kinda go back and review everything, have a look at it all, update your advice to reflect appropriately, and then I'll come back and let you know what what the reset shows me I should do. Is that okay for you both? Do you Yep.","start_word":3848,"end_word":3927,"intents":[{"intent":"Review research","confidence_score":0.08579543},{"intent":"Ensure correct recommendations","confidence_score":0.00035921502},{"intent":"Reset recommendations","confidence_score":0.40200996}]},{"text":"Other than that, have you paid off the mortgage as Yes. of now? Is it all paid off now? Yeah?","start_word":3939,"end_word":3958,"intents":[{"intent":"Check payment and interest","confidence_score":0.001350669}]},{"text":"You're completely debt free now. You own your own home. That is amazing.","start_word":4012,"end_word":4024,"intents":[{"intent":"Discuss debt free home ownership","confidence_score":0.008382813}]},{"text":"We did also have it down that you had a loan on the Triton as well over that 28,000 there. Did you pay that loan out as well? Yeah.","start_word":4090,"end_word":4118,"intents":[{"intent":"Discuss loan availability","confidence_score":0.00014538258}]},{"text":"I can update the advice, and we can look at, obviously, how that tracks for you moving forward as well. Okay?","start_word":4312,"end_word":4332,"intents":[{"intent":"Update and update advice","confidence_score":0.004347505}]},{"text":"You don't I can always factor into advice, or you can just request that we do so Yeah.","start_word":4494,"end_word":4511,"intents":[{"intent":"Update advice","confidence_score":0.496718}]},{"text":"So long as you're underneath the cap, whether it be concessional or non concessional, you and I could always talk about that when you've got extra funds. If you ring in your hand, Yes. like, to make additional contributions, I'll fit you in.","start_word":4512,"end_word":4554,"intents":[{"intent":"Make contributions","confidence_score":0.1536001}]},{"text":"We'll chat about what options you have, what works for you.","start_word":4555,"end_word":4565,"intents":[{"intent":"Discuss options","confidence_score":0.4600854}]},{"text":"Okay? Fantastic.","start_word":4758,"end_word":4759,"intents":[{"intent":"Check plans","confidence_score":0.013765837}]},{"text":"Well, I will get cracking on the research. I'll let you know how I go. And, yeah, I'll let you know if there's anything else we need, any other additional questions. Or if you guys have anything for me, you just let me know, and we'll make time to catch up. Okay? Okay.","start_word":4847,"end_word":4899,"intents":[{"intent":"Catch up on research","confidence_score":0.0010049772}]},{"text":"Well, I will get cracking on the research. I'll let you know how I go. And, yeah, I'll let you know if there's anything else we need, any other additional questions. Or if you guys have anything for me, you just let me know, and we'll make time to catch up. Okay? Okay. Easy.","start_word":4847,"end_word":4900,"intents":[{"intent":"Check progress","confidence_score":0.00966824}]},{"text":"I hope you guys have a lovely night and a great weekend. Thank you so much.","start_word":4912,"end_word":4927,"intents":[{"intent":"Wish great weekend","confidence_score":0.0015909101}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Caroline. It's Dana from Oakey Financial. How are you?","start_word":0,"end_word":10,"sentiment":"neutral","sentiment_score":0.1353823095560074},{"text":"Oh, good. Thank you. That's good. I had yourself and Neil booked in for a bit of a catch up this afternoon. Is now still a good time for you both?","start_word":11,"end_word":41,"sentiment":"positive","sentiment_score":0.4591248631477356},{"text":"Yes. It is. I'm just gonna grab him. That cut more than one. Yeah. That's Hang okay. on. You're right. Hang on a sec. Yeah. He's coming.","start_word":42,"end_word":68,"sentiment":"neutral","sentiment_score":0.09363536536693572},{"text":"Oh, all good. All good.","start_word":69,"end_word":73,"sentiment":"positive","sentiment_score":0.3839062750339508},{"text":"Caroline, just while we are while Neil's on the way over, I'll just get you to confirm, I we do record our calls for quality and training purposes. Are you both happy for us to proceed with that? Yes.","start_word":74,"end_word":112,"sentiment":"neutral","sentiment_score":0.1494751274585724},{"text":"Fantastic.","start_word":113,"end_word":113,"sentiment":"positive","sentiment_score":0.5600972771644592},{"text":"And just to do a really quick security check that we do as well, if you can just confirm your full name, your date of birth, and address I should have on file. Yeah. Caroline k Debone. 90 Yep. 9963 Rainy Road in Capel.","start_word":114,"end_word":157,"sentiment":"neutral","sentiment_score":0.1591533720493317},{"text":"Beautiful. Thank you so much for that.","start_word":158,"end_word":164,"sentiment":"positive","sentiment_score":0.5686110854148865},{"text":"And how's your day been? Neil made mention you got a new job. Yes. I do. Yeah. Are you enjoying it? Yeah. It's not too bad. It's a lot to learn because I haven't used Yes. my brain in about ten years. So yeah. So I'm getting there.","start_word":165,"end_word":212,"sentiment":"neutral","sentiment_score":0.1482381522655487},{"text":"It oh, fantastic. Fantastic.","start_word":213,"end_word":216,"sentiment":"positive","sentiment_score":0.5850906372070312},{"text":"Yeah. And in income wise, what are you sorta on at the moment with this new role? Are you on just a salary or an hourly wage? A hourly rate. Yep. Yeah. All good. How much are you sort of on hourly at the moment? 34. 34 per hour? Beautiful. Yeah. 34 And something. how yes. That's okay. 34. And how many hours per week are you working on average? Oh, hard to say at the moment. Because when I was training, I was doing four days on training, Yep. and then I'm Okay. doing two to four days, and and next week I'm doing three days. So it's just it varies. Yeah. When you finish training, do you know what you should be sort of doing averaging? Not at the moment because Yep. it's quiet at the moment and when it picks up again, Yep. it gets No. busy. That's okay. Yeah.","start_word":217,"end_word":369,"sentiment":"neutral","sentiment_score":-0.012092953681751017},{"text":"All good.","start_word":370,"end_word":371,"sentiment":"positive","sentiment_score":0.33566853404045105},{"text":"And what's the new role that you're doing? Work for big brand insurance company.","start_word":372,"end_word":385,"sentiment":"neutral","sentiment_score":0.049093641340732574},{"text":"Oh, fantastic.","start_word":386,"end_word":387,"sentiment":"positive","sentiment_score":0.5905065536499023},{"text":"Yeah. Merchandising. Merchandising. Yeah. No.","start_word":388,"end_word":392,"sentiment":"neutral","sentiment_score":0.18819409608840945},{"text":"That's fantastic. How are you, Neil? Good to talk to you both.","start_word":393,"end_word":404,"sentiment":"positive","sentiment_score":0.4151525199413299},{"text":"Yes.","start_word":405,"end_word":405,"sentiment":"neutral","sentiment_score":0.2504018545150757},{"text":"I'm well. Very well. That's that's good.","start_word":406,"end_word":412,"sentiment":"positive","sentiment_score":0.4647216796875},{"text":"Now I do wanna confirm that $1.60 was withdrawn out. Have you received that in your bank account? It's all good? Yes.","start_word":413,"end_word":434,"sentiment":"neutral","sentiment_score":0.1534091979265213},{"text":"Thank you.","start_word":435,"end_word":436,"sentiment":"positive","sentiment_score":0.3638730049133301},{"text":"Yes. Easy. Not a problem at all. So with the catch up today, I just wanted to sort of reevaluate the advice because, obviously, the the original advice provided was to move into pension to draw the $1.60 down so you can become completely debt free. But then the next part of the advice was to for Neil, for you to stay in pension phase, and as of next financial year, start drawing an income. And, Caroline, you are planning to retire or stop working in at the end of the year when you turn 60, but there's been some changes. So, Neil, last time we spoke, you were thinking about going back to work or, you know, something along those lines. And Carolyn, we're not sure if you'd wanna retire now in the next when you turn 60. Yeah. I know. I just have to let me get this now. I think it's a how I go. Yep. Yep. Yeah. Because I'm still learning a lot. So I think see what happens. Yep. I think you change and I decide to I'll just I'll let you know. Yes. I will go from there to there. Yep. No. That's okay. That's not a problem at all. So what I'd probably like to do now, if that's okay with you guys, is maybe update the advice to reflect. Because at the moment with the last advice piece, the team is sort of sitting there expecting that you might wanna retire. So what I'd probably like to do is look at your circumstances with the changes. Caroline, did you want me to maybe look at what it looks like for you if you continue to work past the age of 60 to sort of see how that goes? And if you decide in the next few months you wanna change your mind and stop working, you can tell me. I can update the advice again. We can, you know, withdraw the money out at your request. There's plenty of ways we can go with that. But did you want me to maybe update the advice now to reflect working past 60 and what that maybe looks like for your super moving forward? Yeah. Yeah. Well, yeah, I'll keep my options open now. Yeah. Okay. No worries. Sorry And for the what extra that looks work. like? No. You have nothing to apologize for. Okay.","start_word":437,"end_word":838,"sentiment":"neutral","sentiment_score":0.031416215924592455},{"text":"I love this stuff.","start_word":839,"end_word":842,"sentiment":"positive","sentiment_score":0.6096519827842712},{"text":"Honestly, like, if you ring me in a month's time ago, hey.","start_word":843,"end_word":854,"sentiment":"neutral","sentiment_score":0.23477748036384585},{"text":"Thanks for that. Love that we're gonna retire. I'll go, cool.","start_word":855,"end_word":865,"sentiment":"positive","sentiment_score":0.5353590846061707},{"text":"Let's do it again. Let's go. No. It is absolutely fine. This is what I live for, honestly.","start_word":866,"end_word":883,"sentiment":"neutral","sentiment_score":0.2487879991531372},{"text":"Perfect.","start_word":884,"end_word":884,"sentiment":"positive","sentiment_score":0.5351681709289551},{"text":"Well, we have done the I'll probably look at maybe switching the investments now for you as well, Caroline, because we didn't do it last time because it didn't work out Okay. worthwhile. But Yes. if you are kind of enjoying a job and there is a chance you might wanna work a bit longer, let's say, maybe another one, two, or three years, even if you just wanna work till the end of the year and then retire, it might still be worth just switching up the investment. Yes. Yes. The main reason we did it last time was that the capital gains consequences put you in a negative position, and then Yes. you didn't really have the time to make that money back prior to you turning 60 at the end of the year. So are you happy with me to reevaluate the investments and maybe update those for you as well and maybe look Yes. at the next twelve months. Or how far how far down the track do you want me to look at for this advice, please? I'm not sure. Just go six months. Second? Yeah. Go for Six six months. months and then we'll reassess. Yeah. Posting where we're at. Yeah. Because I really don't Yep. know. I do enjoy Yep. the job at the moment. I'm learning a lot still, but I'm working on my own, which is nice Yeah. as Okay. well. But you still got a lot of responsibility as well. So she's Yeah. had a lot of stress. Yeah. It's been better stress. Yeah. Oh, 60 that's cents. good. Yes. Yeah. Yeah. No.","start_word":885,"end_word":1157,"sentiment":"neutral","sentiment_score":0.027195905352304706},{"text":"That's good. I'm glad you're really enjoying it because I know with your last job, you were just really over it, couldn't wait to retire.","start_word":1158,"end_word":1182,"sentiment":"positive","sentiment_score":0.4681946635246277},{"text":"You just you know, Oh, it was wow. it was enough. It was. Yeah. It wasn't. Yeah. I didn't think Oh, I'll that's get another job. You know? I got it through my next door neighbor. So I didn't think I would fantastic. get one. Yeah. Yeah. Oh, look. This opportunity was meant to be. It's they give you something else to focus on.","start_word":1183,"end_word":1246,"sentiment":"neutral","sentiment_score":0.1130574643611908},{"text":"If it's you know, you're learning something new, gaining new skills, and enjoying something different for a while, that's an absolute benefit. Love that.","start_word":1247,"end_word":1270,"sentiment":"positive","sentiment_score":0.3749253153800965},{"text":"Yeah. It's good, but it's hard when you're older. Hard. Yeah. Absolutely. Absolutely. No. Not a problem. Well, I'll I'll update your advice and maybe reflect working forward to the next six months and still seeing how that works for you. I can sort of just maybe update the projections and show you what that looks like for you so far, you know, in that time frame. Yes. Yes. Neil, with yourself, are you planning on going back to work? That was something we sort of discussed. You're planning on maybe going back to work or getting a new job, or what's your plans moving forward? Yeah.","start_word":1271,"end_word":1377,"sentiment":"neutral","sentiment_score":0.08929020166397095},{"text":"Probably not at this stage.","start_word":1378,"end_word":1382,"sentiment":"negative","sentiment_score":-0.38171496987342834},{"text":"Let me see. Okay. I think so. Yeah. Yeah. Yep. With That's what okay.","start_word":1383,"end_word":1396,"sentiment":"neutral","sentiment_score":0.12071343511343002},{"text":"Caroline's doing with what Caroline's doing, it's we we we're getting by nicely.","start_word":1397,"end_word":1409,"sentiment":"positive","sentiment_score":0.4306773245334625},{"text":"Okay.","start_word":1410,"end_word":1410,"sentiment":"neutral","sentiment_score":0.27618250250816345},{"text":"Yep. Perfect. That's okay.","start_word":1411,"end_word":1414,"sentiment":"positive","sentiment_score":0.46502670645713806},{"text":"So with the the pension account you have at the moment, it's sitting in pension phase currently. So we've drawn down the 160,000, which was essentially, I've drawn it down as a pension payment, so you don't have Yep. to draw anything else out of that pension for this financial year, which is great. Yep. Essentially, we can sit as it is until, say, the July 1 next year, and then we need to consider the minimum pension payment for next financial year, which won't be a lot. The current balance you have in there at the moment, and I'll just go back to it for you, sorry, is $150,157,897 there. Okay. Yep. We've got a yeah. So we've got a couple of options. We can look to keep you in pension phase. As I said, you don't have to draw anything else out of the time being. If you decide you want, you absolutely can. The benefit to it sitting in pension phase is that there's no income tax or capital gains tax consequences for where we are at the moment. So, essentially, sitting in pension, any growth or any income earned from the portfolio is reinvested back, but your super fund doesn't pay any tax on that. The other option is we can always move you back into accumulation phase, which is where you were in the super, you know, accumulation phase prior to this. You don't have to then draw anything out of that. Sitting in accumulation phase, there are tax consequences. So your super does pay 15% tax on income and CGT. You get a a discount if you've held the asset for more than twelve months, but there are tax consequences in there. So are you kind of planning on wanting to maybe put anything back into that, or are you sort of just happy to let it sit for the moment? What are you sort of thinking? No. Just leave it.","start_word":1415,"end_word":1741,"sentiment":"neutral","sentiment_score":0.1297326385974884},{"text":"It's hit at the moment, I think.","start_word":1742,"end_word":1748,"sentiment":"negative","sentiment_score":-0.37025436758995056},{"text":"Okay. Yeah. Leaving Yeah. What's it sit? that? What's Yes. that? What's that? That's What that's what would you what would you advise? Would you advise something something small going in there or just fix there? Well, the way it is at the moment so in pension phase, we can't actually make any additional contributions to it. In order Yes. to make additional contributions to it, we actually have to move it back into the accumulation phase. Yes. Where In is saying this? that it really sorry. You're right, Caroline. Where it's sitting at the moment. We won't pay tax on that?","start_word":1749,"end_word":1850,"sentiment":"neutral","sentiment_score":-0.08675864338874817},{"text":"No. No. You actually don't pay any tax on it at all.","start_word":1851,"end_word":1862,"sentiment":"negative","sentiment_score":-0.3882902860641479},{"text":"It's Okay. just that inside super your super fund, just like you, does a tax return every year because it's a trust. It's a separate entity. And so the trustee of the super fund does a tax return. They pay income tax and capital gains tax and things like that. And Yes. that's why when we did the advice, we wanted to sort of, you know, move you into pension phase to that income you draw drew down was completely tax free for you, but there was no income there was no tax consequences in the inside the funds for doing that. Yes.","start_word":1863,"end_word":1965,"sentiment":"neutral","sentiment_score":0.12586697936058044},{"text":"Yes. So it can sit there as it is. If we do move it back to accumulation phase and we start making contributions to it, I wanna make sure the contributions going in made it worthwhile, making sure that you're not paying more in tax than what you're actually putting into the fund and making in growth.","start_word":1966,"end_word":2022,"sentiment":"positive","sentiment_score":0.45434972643852234},{"text":"But if you're kind of happy with where it is at the moment, we can just leave it as it is for the time being. You've Yes. got time to work out what you wanna do. We can catch up in a few months' time if you like, and we can decide down the track whether we, you know, move back into super phase, like, into the accumulation phase, whether you wanna go back to work, or whether you're happy just, you know, staying as you are for the time being and being fully retired, essentially. Does that make sense? Yeah. Yes. Especially where it is. Yeah. Yeah. With your advice, Caroline, if if Neil's happy to stay where he is at the moment, like, I'd like to sort of maybe update yours.","start_word":2023,"end_word":2155,"sentiment":"neutral","sentiment_score":0.2609822812833284},{"text":"But if we're happy just to stay where we are, I can even just leave your advice as it is for the time being.","start_word":2156,"end_word":2179,"sentiment":"positive","sentiment_score":0.39446160197258},{"text":"There was no changes to be made until you turn 60, and we can always catch up maybe a couple of months out. So you're 60 in October, aren't you? September. End September. of Sorry. yeah. Yeah. End of September. Yeah. Yeah. Yeah. Yeah. The September 9. Yeah. Yeah. Yeah. Did you want me to maybe update the advice to reflect you working a bit longer to, say, the end of the year, or did you want me to just leave it as is and we maybe touch base in September to see whether you do wanna retire and take the funds out or what you wanna do with the with your working? What would you like me to do? Oh, I probably will oh, yeah. I'll probably work the end of the year and get get a good go and see how I feel Mhmm. Yep. for this Yep. job. Yeah. No. Just giving Did up you for want that problem. no. That's okay. Did Yeah. you want me to look at doing the advice and reflecting on things now for you, or do you wanna touch base maybe closer to your birthday to see how you feel, how the job's going? I don't know. What do you think? Were you starting to get a hit around this? Yeah. Starting to get my hit around it now. Probably the Yeah. end of the year, maybe. Yeah. End of the year? Yep. That's Yeah. okay. Yeah.","start_word":2180,"end_word":2425,"sentiment":"neutral","sentiment_score":0.0650554895401001},{"text":"That's okay. Beautiful. So you probably work to the end of the year. Excellent. Yeah.","start_word":2426,"end_word":2440,"sentiment":"positive","sentiment_score":0.4659585952758789},{"text":"That's alright. Are you comfortable with me just going back and having a look at things? Maybe just Yes. update the advice to reflect and sort of show you what sort of growth we might expect out of the super up till, say, the Christmas to December? Is that okay? Yes.","start_word":2441,"end_word":2491,"sentiment":"neutral","sentiment_score":0.1608353853225708},{"text":"That's good.","start_word":2492,"end_word":2493,"sentiment":"positive","sentiment_score":0.4901038110256195},{"text":"Yeah. Yep.","start_word":2494,"end_word":2495,"sentiment":"neutral","sentiment_score":0.2458709329366684},{"text":"Beautiful.","start_word":2496,"end_word":2496,"sentiment":"positive","sentiment_score":0.3964737057685852},{"text":"Do you think after that time you might be wanting to look at with withdrawing the funds out, or do you think what's the last what are you wanting to work longer than that, do you think? I don't know. It's hard to say at the moment. Yeah. No. That's okay. We do still like the idea of getting caravan, but, yeah, not just yet. Yep. No. Yeah. Well, That's hold okay. on. Let me double check. Yeah. Because I like it. Yeah. We're gonna No. think That's about it. Otherwise, yes. we will be really short. Yeah. Yeah. That's okay. Do you think you'll wanna use your super for towards the caravan? Or because I know one of the things we talked about was maybe if you did retire, drawing the funds out, maybe incorporating it into your super and try to put everything in one place and grow it a bit more? What do you sort of what what do you think your plans might be from next year onwards? Have you sort of talked about what you'd like to do, when you might like to buy the caravan, what, you know, retirement looks like moving forward? I'm not sure at the moment. Yes. Yeah. I just thought I thought I'd just take it as a go for now and see how you know, the job sort of works for me. And if I feel like it does as well then, you know, I might finish up. I'll just see how I feel. Which because today can be busy around if they also set up and just they've only wanna work two days, me and I can't. So which would be good. Okay. So I don't have Yep. to do a lot of sales. Yeah. Yep. No. So That's okay. yeah.","start_word":2497,"end_word":2799,"sentiment":"neutral","sentiment_score":0.03991211762670243},{"text":"That's absolutely fine.","start_word":2800,"end_word":2802,"sentiment":"positive","sentiment_score":0.44750064611434937},{"text":"Can I Yeah. ask, with your take home pay, you now you sort of said that with what, Carol, and you're earning, it's kind of covering your expenses at the moment? What is your average take home pay? What are you sort of getting in hand at the end of the week or the fortnight? What's the last Average. one? 11, please? $111,100. 1,100? Yep. 1,100? Yeah.","start_word":2803,"end_word":2869,"sentiment":"neutral","sentiment_score":0.020930567756295204},{"text":"Fantastic.","start_word":2870,"end_word":2870,"sentiment":"positive","sentiment_score":0.41925299167633057},{"text":"And that's per week or fortnight? Sorry. That's $4.09. Per fortnight.","start_word":2871,"end_word":2881,"sentiment":"neutral","sentiment_score":0.047202568501234055},{"text":"Beautiful. Excellent. Yeah.","start_word":2882,"end_word":2884,"sentiment":"positive","sentiment_score":0.5099982023239136},{"text":"And that's covering everything nicely because, I mean, the other side of that $1.60 was to leave you all complete leave you both completely debt free. So you are finding that fairly comfortable for you? Yes. Yes. Yes. We are. Yep. We Yep. live simply.","start_word":2885,"end_word":2929,"sentiment":"neutral","sentiment_score":0.22990445792675016},{"text":"Beautiful. Yeah. That's okay.","start_word":2930,"end_word":2933,"sentiment":"positive","sentiment_score":0.40111902356147766},{"text":"There's nothing wrong with that at all.","start_word":2934,"end_word":2940,"sentiment":"neutral","sentiment_score":0.28584685921669006},{"text":"That's absolutely fine.","start_word":2941,"end_word":2943,"sentiment":"positive","sentiment_score":0.4259952902793884},{"text":"Yeah. Easy. Well, if you like, what I could do and, look, you're allowed to tell me no. You're allowed to sort of say if you don't wanna do this. You know, all of your advice feels fairly comfortable for the time being, so I can leave No. that side of things as it is if you want. Caroline, I can update yours. I can just go back back maybe have a look at the investment, see if it's worth changing the investments now, and maybe look Yes. at what your contributions are going in. And we could maybe just do a limited scope sort of advice document to see what this looks like up to, say, the end of the year with what the projected balance might look like. Is that okay? Yes. Yes. Absolutely. Yep. Yes.","start_word":2944,"end_word":3081,"sentiment":"neutral","sentiment_score":-0.009818462654948236},{"text":"Beautiful.","start_word":3082,"end_word":3082,"sentiment":"positive","sentiment_score":0.3637581467628479},{"text":"If I do the research and come back and say, hey. There's really no point in making the switch with the investment, then I may come back and say, hey. Let's just leave everything as it is for the moment and then catch up when you turn 60 and decide what you wanna do and maybe update the advice then. But Yes. I'll go back and just do the research for now to see what that looks like. Is that okay? Yes.","start_word":3083,"end_word":3164,"sentiment":"neutral","sentiment_score":0.0380634015834913},{"text":"That's good.","start_word":3165,"end_word":3166,"sentiment":"positive","sentiment_score":0.5755083560943604},{"text":"Yes.","start_word":3167,"end_word":3167,"sentiment":"neutral","sentiment_score":0.33189740777015686},{"text":"Yes. Beautiful. Lovely. Excellent.","start_word":3168,"end_word":3171,"sentiment":"positive","sentiment_score":0.6610707640647888},{"text":"So I'll look at the investments within super and see if there's any need to switch them. If there's not, we can do a catch up closer to your birthday and decide whether you wanna keep working longer or what you wanna do. The other side of it is, like, even as much as the advice is there, if you decide that you don't wanna withdraw the funds, you wanna keep working past 50, that's absolutely Yes. fine. If you decide, no, a month later, you've had enough and you wanna stop working and retire a bit, that's absolutely fine as well. Yep. Okay. We'll we'll Yep. work within your time frame. Okay. Yeah.","start_word":3172,"end_word":3285,"sentiment":"neutral","sentiment_score":0.10889133810997008},{"text":"That sounds good.","start_word":3286,"end_word":3288,"sentiment":"positive","sentiment_score":0.33430010080337524},{"text":"Yeah. Sounds like a lot Beautiful. of work for you, though. That's okay. That's honestly Yeah. fine. That's absolutely fine. It's what I do. That's what you pay me for. Well, it's what you pay your ongoing service fee for.","start_word":3289,"end_word":3328,"sentiment":"neutral","sentiment_score":0.1677456498146057},{"text":"Beautiful. All good.","start_word":3329,"end_word":3331,"sentiment":"positive","sentiment_score":0.4732113480567932},{"text":"And, Neil, do you think are you sort of thinking with next year? I don't know. Next year is six months away. There's a lot that could change that time frame, but do you have any idea if you are maybe wanting to, you know, look at going back into work or anything next year onwards or year sort of hoping to just enjoy retirement as long as you can. Yeah. No. I'll probably look at going back into doing something. I keep Okay. getting lots Beautiful. of offers thrown at me with the That's sick. not a bad thing. No. It's not. Some different things Beautiful. too. Well, Sorry. it's yeah. No. That's all good. Well, if you decide you wanna take something on, it does mean to be able to receive contributions, we'll need to roll you back into the accumulation phase. Yeah. So what I'll do is, Carol, I'll go back and just do a bit of research. I'll look at the difference of changing the portfolio, whether it's worth doing it, what the growth looks like. If Yes. I come back and go, hey. It's really not worth doing, I'll let you know that we should probably hold off, Yes. and then we'll do a catch up around it at your birthday before we implement anything for the previous document. And then we can always update the advice then or even just make some changes, essentially, to alter the advice. It doesn't have to be a whole big SOA. It can just be a phone note saying that you don't wanna withdraw the funds. You wanna keep working for another few months. So Yes. I can always just do up that sort of file note for you and just a record of advice to reflect the change. Does that make sense? Do you have any questions? Yes. You will if if you do have questions, please let me know. I know it's sort of a Yes. lot to go through, and there's a lot of considerations Oh, you've to take you've into actually it. covered you've actually covered the question we did have, so that's all good Oh, good. without Good. knowing. Good. No.","start_word":3332,"end_word":3699,"sentiment":"neutral","sentiment_score":0.043558430817464126},{"text":"It was Fantastic.","start_word":3700,"end_word":3702,"sentiment":"positive","sentiment_score":0.49266719818115234},{"text":"basically as as to whether I would be able to make contributions to my account. Okay. Yep. Yep. But that's Yep. fine. You've No. already That's answered alright.","start_word":3703,"end_word":3730,"sentiment":"neutral","sentiment_score":0.03781775012612343},{"text":"that, so not good.","start_word":3731,"end_word":3734,"sentiment":"negative","sentiment_score":-0.4390396475791931},{"text":"Yep. Yep. No. That's absolutely fine. Not a problem. If anything changes with yourself, Neil, let me know. In the meantime, I'll just do a little bit of research here around Carol and Sue, but whether it's worth making any changes.","start_word":3735,"end_word":3775,"sentiment":"neutral","sentiment_score":0.042351361364126205},{"text":"I don't wanna check the same as last time.","start_word":3776,"end_word":3784,"sentiment":"negative","sentiment_score":-0.35219788551330566},{"text":"I don't wanna make any changes to your investments if it's gonna mean there's tax consequences to your Sue for that. The growth doesn't make up quickly. If Yes. the if we can make the changes and then the growth that comes out of that plus the contributions over the next six months, if that works out preferable and worthwhile, then absolutely. Yes. And what I might even do, depending on what what comes out of my research, I might even just do a joint document noting that, you know, all your recommendations remain the same. I'll just kinda go back and review everything, have a look at it all, update your advice to reflect appropriately, and then I'll come back and let you know what what the reset shows me I should do. Is that okay for you both? Do you Yep. That's good. Yeah. Sounds good. yes. Yep. Yes.","start_word":3785,"end_word":3935,"sentiment":"neutral","sentiment_score":0.042042315006256104},{"text":"Beautiful. Excellent. Excellent.","start_word":3936,"end_word":3938,"sentiment":"positive","sentiment_score":0.4538821578025818},{"text":"Other than that, have you paid off the mortgage as Yes. of now? Is it all paid off now? Yeah? Yes. All we're waiting for now is the end of month, which is tomorrow, to pay the interest that would Mhmm. have been accrued Can that be? Before we paid it off, Okay. which overall Fantastic. is Yeah. Which overall is gonna be less than a thousand dollars. So Honestly yep. and look. You're completely debt free now. You own your own home. That is amazing. Most people would honestly die to be in that kind of a position. Like, a lot of people are freaking out now going, will I ever own a home? That's amazing. Yeah. Finally. Absolutely on us. Prices. I mean, I've come back a little bit now, but it's insane, the prices. Yeah. So Yes. it's really hard now Yes. to get in. Yeah. Absolutely. Absolutely. We did also have it down that you had a loan on the Triton as well over that 28,000 there. Did you pay that loan out as well? Yeah. Yep. Yep. Everything's Yep. paid. All done. You're done.","start_word":3939,"end_word":4127,"sentiment":"neutral","sentiment_score":0.009201327338814735},{"text":"Fantastic.","start_word":4128,"end_word":4128,"sentiment":"positive","sentiment_score":0.3581274747848511},{"text":"Oh, all gone.","start_word":4129,"end_word":4131,"sentiment":"neutral","sentiment_score":0.222041517496109},{"text":"Beautiful.","start_word":4132,"end_word":4132,"sentiment":"positive","sentiment_score":0.3426978290081024},{"text":"Did you go out for dinner or do anything nice to celebrate paying it all off? Not yet. Hasn't hit home yet. Once the interest Hasn't is hit gone home yet? I Well, love everything it.","start_word":4133,"end_word":4168,"sentiment":"neutral","sentiment_score":0.027629241347312927},{"text":"That's everything's fantastic.","start_word":4169,"end_word":4171,"sentiment":"positive","sentiment_score":0.5816365480422974},{"text":"weird. I'm real at the moment. It's unreal. But Yeah. yeah. Yeah. No.","start_word":4172,"end_word":4184,"sentiment":"neutral","sentiment_score":-0.08424483984708786},{"text":"That's fantastic. Your hard work is paying off. It is really, really good to see.","start_word":4185,"end_word":4199,"sentiment":"positive","sentiment_score":0.5168486833572388},{"text":"And do you have some funds left sitting in savings, like a rainy day or is it a bit of a buffer? No. Yeah. It's a little bit of a buffer there. Yeah. Yep. How much do you have sort of sitting in the savings at the moment? Just over 3. 3,000?","start_word":4200,"end_word":4251,"sentiment":"neutral","sentiment_score":0.034421488642692566},{"text":"Beautiful. Excellent. Lovely.","start_word":4252,"end_word":4254,"sentiment":"positive","sentiment_score":0.4460967481136322},{"text":"And, Neil, I'll just change your income to Yep. 0 for the moment. I'll note down Yep. here fully retired.","start_word":4255,"end_word":4274,"sentiment":"neutral","sentiment_score":0.10550610721111298},{"text":"Beautiful.","start_word":4275,"end_word":4275,"sentiment":"positive","sentiment_score":0.36268508434295654},{"text":"And, look, if you decide to take on a role and wanna roll back into accumulation, just let me know. I'll get the team to book you in ASAP so we can talk about it. Yep. I can update the advice, and we can look at, obviously, how that tracks for you moving forward as well. Okay? And I can do that sort of thing very, very quickly for you if need be. Okay? Okay. Excellent. All good. Other than that, I'm just double checking to see if there's anything else that I need to update for you at the moment. Everything else looks like it's pretty accurate. Carolyn, you're not salary sacrificing or wanting to put additional into super at the moment, are you? Are you wanting to look at maybe adding some extra into your super to sort of provide a bigger buffer and boost it a bit more? Probably not at the moment because I'm not Yep. getting a lot at the moment. I Yep. see how we go. I see how we, you know, work things out. If there's Yep. extra, then yeah. If there is extra, is Caroline able to make Mhmm. voluntary contributions manually? So it's not Yeah. telling Absolutely. me that. Yeah. Okay. Yes. Abs absolutely.","start_word":4276,"end_word":4488,"sentiment":"neutral","sentiment_score":0.09239949446888596},{"text":"We can definitely do that.","start_word":4489,"end_word":4493,"sentiment":"positive","sentiment_score":0.5007684826850891},{"text":"You don't I can always factor into advice, or you can just request that we do so Yeah. So long as you're underneath the cap, whether it be concessional or non concessional, you and I could always talk about that when you've got extra funds. If you ring in your hand, Yes. like, to make additional contributions, I'll fit you in. We'll chat about what options you have, what works for you. It it'll take me a couple of weeks to do the research for you for this advice. But if it comes up in the next few weeks that you want me to incorporate it, just give me a buzz, and I can, you know, add that into the advice piece for you, or we can just do it at your request.","start_word":4494,"end_word":4626,"sentiment":"neutral","sentiment_score":0.1330888420343399},{"text":"But you can absolutely do that.","start_word":4627,"end_word":4632,"sentiment":"positive","sentiment_score":0.3431079685688019},{"text":"It's not a problem at all. Yeah. Yeah. Yeah. We'll see how it goes first and Perfect. work it out Yep. from there. Yep. Yeah. Yeah. Absolutely.","start_word":4633,"end_word":4659,"sentiment":"neutral","sentiment_score":0.2572106420993805},{"text":"Not a problem at all.","start_word":4660,"end_word":4664,"sentiment":"positive","sentiment_score":0.33752578496932983},{"text":"Well, I'll Yep. just go back to the drawing board, do a little bit of an update for you, and I'll let you know how I go. I'll let you know whether it's worth updating your advice or not and what this looks like, and then we'll definitely make sure we do a catch up with you prior to your birthday at least just to see how things are going for you and see if there's any changes that you wanna make to your Yes. circumstance or Yes. your retirement That's good. plan.","start_word":4665,"end_word":4757,"sentiment":"neutral","sentiment_score":0.18684811890125275},{"text":"Okay? Fantastic.","start_word":4758,"end_word":4759,"sentiment":"positive","sentiment_score":0.47826388478279114},{"text":"Is there any questions that either of you might have for me at the moment? Anything else that you might want me to look up, do for you, research for you? Or Hi. That's all. Yeah.","start_word":4760,"end_word":4795,"sentiment":"neutral","sentiment_score":0.14812467992305756},{"text":"Everything answered everything, really. That's good. oh, that's really good. Perfect. Just wanna make sure that we keep up to date, keep catching up, see how things are going for you, and make alterations as you guys need them to happen as well.","start_word":4796,"end_word":4838,"sentiment":"positive","sentiment_score":0.4672279357910156},{"text":"Okay. Yes. Yes. That's right. Yeah.","start_word":4839,"end_word":4844,"sentiment":"neutral","sentiment_score":0.18896348774433136},{"text":"Fantastic. Lovely. Well, I will get cracking on the research. I'll let you know how I go.","start_word":4845,"end_word":4861,"sentiment":"positive","sentiment_score":0.6162430644035339},{"text":"And, yeah, I'll let you know if there's anything else we need, any other additional questions. Or if you guys have anything for me, you just let me know, and we'll make time to catch up. Okay? Okay.","start_word":4862,"end_word":4899,"sentiment":"neutral","sentiment_score":0.23111234605312347},{"text":"Easy. Thank you so much for your time. I really appreciate it. I hope you guys have a lovely night and a great weekend. Thank you so much. Enjoy going out and celebrating that home loan being paid off.","start_word":4900,"end_word":4938,"sentiment":"positive","sentiment_score":0.6536550521850586},{"text":"Oh, we will. When it went Awesome.","start_word":4939,"end_word":4945,"sentiment":"neutral","sentiment_score":0.20532774925231936},{"text":"Thank you so much for your time.","start_word":4946,"end_word":4952,"sentiment":"positive","sentiment_score":0.4978286623954773},{"text":"I'll let you go. extinct.","start_word":4953,"end_word":4957,"sentiment":"neutral","sentiment_score":0.1635870635509491},{"text":"You have an amazing evening.","start_word":4958,"end_word":4962,"sentiment":"positive","sentiment_score":0.40407952666282654},{"text":"I'll talk to you both very soon. Okay. Thank you.","start_word":4963,"end_word":4972,"sentiment":"neutral","sentiment_score":0.26871389150619507},{"text":"Thank you, Dana. Thank you.","start_word":4973,"end_word":4977,"sentiment":"positive","sentiment_score":0.3580986261367798}],"average":{"sentiment":"neutral","sentiment_score":0.11078291698310616}}}}