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Just wanted to reconfirm with your self employed. How long have you been self employed for? Okay. Beautiful. And before that, were you working in the same sort of industry? Yep. Okay. Okay. Beautiful. So 2021 is when you started the industry. Beautiful. And just having a look. So I've got you down. You're technically what would you consider your role to be technically? Would you say support coordinator still? Yep. Beautiful. And you were in this had the same sort of title from 2021 in your previous role? Okay. Yep. Yep. Yep. 2022. Beautiful. Thank you for updating that. Have you ever been bankrupt on a part nine debt agreement at all? I'd say probably not. No. Beautiful. Yeah. No. Beautiful. Fantastic. Do you have any specific qualifications to be able to do your role? I've got down here that you've got a master's degree in business admin and a specific degree in individual support. Do you have any other qualifications I should note down? Yep. Yep. Perfect. Thank you for that. Excellent. And I've got your duties down, which is fine. Do you do much in the way of domestic travel with regard to your role? Is do you sort of work in the local area, or do you travel out to sort of support your clients to the NDIS? Yeah. Okay. Yep. Okay. Yep. Yep. Yep. Nice. You get them to drive. I love that. That's absolutely fine. That is absolutely fine. Not a problem at all. Now the next one here is do you do any hazardous activities? I honestly don't think you would do anything hazardous in your role. You know, work at major heights or get on roofs or anything strange? All good. You only have technically one job. You don't have a secondary job on the side or anything or not not planning to have a secondary job or a secondary business at the moment? No. Beautiful. Do you have any what is enough? Working enough hours. Do you do you have any overseas holidays planned for this year at all? That's yep. That's okay. So nothing else booked in the next twelve months. That's okay. Yeah. Okay. Nice. Lovely. That'll be fantastic. I know you're very busy with work, but do you have any hobbies or pastimes? Do you play any sports outside of work? It doesn't sound like you have any time for that. Yes. Lovely. Lovely. Do you drink do you have a few babies in the weekend? A couple of wines or a drink or two? Don't drink? Wow. You are good. Really? Wow. Yes. Absolutely. Absolutely. Look. This next question is a little bit of a weird one, but have you ever taken illegal or illicit illicit drugs before? Beautiful. I love that. Fantastic. I I've got you down as a nonsmoker here. That's fantastic. Have you lost any large sums of weight, so more than 10 kilos over the past twelve months at all? That's okay. Yeah. That's okay. Yes. Yep. That's it's you've had a lot going on. Yeah. That's okay. The next couple of questions here are just about your medical history, so your family history and yours. The first few are about your family history. They're just wanting to find out if there's been any major conditions or major diagnoses in your family from your mother, father, brother, or sister before the age of 60. If anyone's being diagnosed with any of these after 60, they don't need to worry about it. It's just if they have been diagnosed or suffered any of the below before 60. Is this the list? I'll go through them. Ask each one if you can just say yes or no. Okay? The first one here is heart disease, heart attack, or stroke. No. Multiple sclerosis, Parkinson's, or Alzheimer's? Muscular dystrophy, Huntington's or motor neurons disease? No. Any bowel cancer or melanoma? Any polycystic kidney disease? Any breast cancer? Any mental health condition? No. Any cardio or myopathies? Anything of the heart? Nope. Any diabetes? Beautiful. And anything else before the age of 60 that we haven't quite covered? Yeah. No. Beautiful. Excellent. Your family is nice and healthy, and we like that. That's fantastic. The next one here is about yourself. So, again, it's a very similar list, but just asking if you have suffered short treatment or been diagnosed with any of the following ever in your lifetime. So have you ever had stress, anxiety, depression, or any mental health that you've been diagnosed for or sought treatment for? No? Any skin cancers, tumors, lesions, cysts, or moles? No. Any back or neck pain, any sciatica, spondylitis? Nope. Any bone fractures or ligaments or issues with your tendons or arthritis? Nope. I do apologize. The next one is a bit sensitive, but any HIV, hep b, or c? Nope. Any heart conditions or blood conditions? Any previous surgeries? Yep. Okay. Okay. Yep. Yes. Yes. Okay. Yep. No. That's okay. It was a a bit of a lump? Yeah. Yep. Yep. Yep. That's okay. Lovely. Okay. Yep. Fantastic. And you didn't have any time off or no follow ups? Everything was done? Yep. Day surgery. Lovely. Well, I'm glad nothing came back from that, and it sounds awful. I'm glad it's gone. Perfect. The next one here is any cancer. There's no. No. Excellent. The next one is asthma or respiratory condition. Fantastic. No high blood pressure or high cholesterol. No. Beautiful. Any skin conditions or diabetes or thyroid conditions. Beautiful. That is the whole questionnaire. We just had to maybe look look at that again just to sort of confirm that there's, you know, nothing flagged there. Realistically, the what you have kinda told me should already be on your current application. So going forward and increasing your trauma policy, I don't foresee any issues with that. There's no additional loadings or spoons we should see there. So what I'll do is I can go back as part of the advice. I'll just review your current policy, look at, you know, what the cost is to increase that to a 120,000. I can look at the policy you have now and also any other providers to see what the policies look like, the best terms might be, the costing, what they offer as well, because it's not just about what you pay for the policy, but, you know, what might be inside the policy that works for you. And then we can update the recommendation, and it's up to you whether you take it or not. But I'll show you what it looks like, the cost, the advantages, disadvantages, and the risks. Is that okay, Christie? Yep. You, yeah, you you just want a 100 a 100,000? Yeah. Sure. Perfect. Not a problem at all. We'll make it a 100,000 for you. Not an issue. Excellent. Lovely. The only other thing to confirm is I've got down here that you've not got a will and power of attorney in place. Given that you've got a lot of assets to your properties and everything, have you spoken to a solicitor ever and drawn up a will? Yes. Beautiful. Yes. Oh, no. It was it's definitely something that you need to do. So it is really important. You've got your investment properties. You've worked really hard. And, obviously, when we update these beneficiary nominations so that your mom is the beneficiary there, it is just really important that, you know, your will is done up to reflect your wishes. Because if without a will, if you were to pass away, all of your assets then go through intestate, and it's up to a judge to decide. It goes to the court system to decide who receives what. It might not be where you want it to go, and it might leave your mom a little bit short. So, doing a will is really important. You've got those that information there. So if you can speak to your solicitor and have those completed, that would be great. If you wanted us to refer you to a solicitor, we absolutely can. But it sounds like you've started the process already, so it would be definitely worth completing with that solicitor. Okay. Beautiful. Excellent. The only other thing to let you know about is I have sent all the documents through. So everything I've gone through with you today is in the annual review pack, which we have put in your we've sent through to your email there for you. So you're welcome to, after the call, have a look at the documents that has the performance report of your portfolio. It's also got your summary of super insurances, which outlines the level of cover you have, your super information. It's also got the financial services guide attached, which has a lovely picture of me and all my licensing information in there for you. And we've also got the ongoing service agreement for you. So in order to provide financial advice and help you meet your goals and looking forward at your retirement goals there, it is really important that we do just get you to sign and return that one pass. You do pay an ongoing service fee of 1.65% for our services. That is a year, and it is deducted in smaller monthly increments throughout the year for our services that's just taken out of your super account. So if you, you know, happy with our services, wanna stay on board for another twelve months, we'll get you to sign and return that one back. Feel free to have a look at the documents, and let me know if you do happen to have any questions at all, and I'll get stuck into this research. And as soon as we have that advice document ready to go, my team will book you back in, and we'll go through that advice and have everything updated. And you can see exactly what my recommendations are. Okay? Excellent. The only other thing I just wanted to double check, I know with your company now with you now being a company, is your company going to be putting those contributions into your super fund on a regular basis? Are you gonna be receiving those as an employee at that normal 12% rate? Do you know? Yep. Mhmm. Bit difficult. Yep. Yep. Right. Yep. Yep. Yeah. Absolutely. So that'll all kinda start from the July 1 and make it a new fresh financial year to make it easier. Yeah. Beautiful. And when I look at, obviously, the advice and the contributions going in, I'm factoring that on 12% of a 120,000 per year. Is that accurate as a gross figure? Yeah. So yeah. For so the gross figure is a pretax figure. So if we have a look at like, if you're earning a 120,000 per annum from before tax from your company, then when you consider income tax as an employee in contributions, your take home pay is actually 91,000. Or are you earning that 120,000 net after tax from your company? Are you receiving that after tax? Okay. Yep. That's fine. Just just so I can work the contribution to that correctly. Yeah. No. Yeah. No. Definitely. Yep. No. Yep. Probably your accountant. Yeah. Yep. Yes. Yep. Yes. Yes. Absolutely. So based on you earning a 120,000 per animal for the year, your contributions into your super fund as an employee of your company at 12% equates to about 14,400. Do you think that that would be adequate? Do you think that you would be, as an employee of your own company, be receiving that kind of contribution in the super for the year for this next year? A 100 and 20,012 percent. Yeah. Yeah. Well, the exponential year, the cap goes up to $32,500. Yeah. No. Not re not really. The the employee because you're getting you're paying yourself as an employee, your company, I believe, can claim a tax deduction for what they're paying, but there's really no benefit to you. Realistically, the the the deductible contribution is probably more of a tax benefit to you. But it also just is comfortable. Do you think with how your company is going that you would receive for the next year about 14,000 in contributions employment wise, or did you wanna just do you think you'll be maximizing the cap every year, and do we just factor in your contributions over the year at the full cap for $32,500? Or did you want me just to allocate a smaller amount to contributions to sort of show with the advice how your super is tracking towards your retirement? Yeah. Mhmm. Yeah. Some do. Yeah. Yeah. Well, it does. It puts more money into your super, and that benefits you because there's more money in your super. But you'd have to check with your accountant to see if there's any kind of tax benefit on the other side or anything that your company can receive in reg in relation to that. But do you do you think you'd be comfortable paying yourself 17%? Do you wanna account for 17% employer contributions based on the income you're gonna receive or hoping to receive? Yep. Yep. Perfect. Yep. Absolutely. And when you said regular income, what's a regular income to you? Is it 80,000, a 100,000, a 120,000? Yeah. Mhmm. Yeah. Yeah. Yes. Correct. Yeah. That's okay. So for the advice, I just have to be able to allocate contributions as a dollar figure and also understand and allocate your income as a dollar figure. Are you comfortable with me noting your income as a 120,000 and considering contributions at 12%, which is the standard rate, which is 14,400 for the year. Yes. No. No. Correct. It's just that when we do advise, we need to obviously look at the projected outcome. And when we're looking at projected outcome, we take into account the contributions you're expecting to receive based on your current income. I can do it with no contributions, but then, obviously, the contributions are important to help your super grow investments. Can only do so much without additional contributions there. So it is helpful to be able to look at your super, look at where it's tracking, and factor what average rate of contributions you should expect. So if you're Mhmm. So you're happy? Yep. Okay. So we'll just we'll just factor in that each year between now and you're gonna try and maximize the contributions cap out every year. Yep. And are you gonna try and do that in a more tax effective way, so as a deductible contribution if possible? Yep. Beautiful. So what I would probably yep. That's absolutely fine. Not a problem at all. So what I'll do is I will factor in contributions between now to the age of 60 because you're quite close to there. Look at the investments inside of it, and we'll just factor contributions up to the cap. It's not a not about the tax component, just sort of projecting what your sleep is expected to do based on the changes in the investments, the returns that we see, the fees that we have, and you maximizing the cap every year to show you what the outcome should be at age 60. Does that sound fine? Yep. Beautiful. I love it. Excellent. That's okay. We just wanted to clarify so I had the right information. Wanted to give you the document so you understood it. I wanna give you the numbers and you go, hey. That just doesn't make sense. So just clarifying what it is that you're hoping or expecting out of your employment. That's all. Okay. Beautiful. Look. That is everything I needed to go through. I'll go back and do that research for you and come up with an advice document in a few weeks. If you have any questions in the meantime, Christie, please let me know. But thank you for your time. I know it has been a long call, and I appreciate that. Is there any other questions or anything else that might have come up in the meantime that you wanna ask me at all? No. That's okay. All good. Absolutely. In the meantime, your annual review pack is in there for you. Feel free to have a look, and if you can sign and return that back, that'd be absolutely amazing. Okay. Thank you. It's been a no problem. Thank you for your time. It's been a pleasure. I hope you have a relaxing evening. Thank you. I'll talk to you soon, Christie. Have a good night. Alright. See you later. 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Ooku Financial. Hi, Christie. I lost you. I'm so sorry. No.\n\nThat's absolutely fine. I thought I'd give you a quick callback, and hopefully, I could grab you. I'm so, so sorry about that. Just wanted to reconfirm with your self employed. How long have you been self employed for?\n\nOkay. Beautiful. And before that, were you working in the same sort of industry? Yep. Okay.\n\nOkay. Beautiful. So 2021 is when you started the industry. Beautiful. And just having a look.\n\nSo I've got you down. You're technically what would you consider your role to be technically? Would you say support coordinator still? Yep. Beautiful.\n\nAnd you were in this had the same sort of title from 2021 in your previous role? Okay. Yep. Yep. Yep.\n\n2022. Beautiful. Thank you for updating that. Have you ever been bankrupt on a part nine debt agreement at all? I'd say probably not.\n\nNo. Beautiful. Yeah. No. Beautiful.\n\nFantastic. Do you have any specific qualifications to be able to do your role? I've got down here that you've got a master's degree in business admin and a specific degree in individual support. Do you have any other qualifications I should note down? Yep.\n\nYep. Perfect. Thank you for that. Excellent. And I've got your duties down, which is fine.\n\nDo you do much in the way of domestic travel with regard to your role? Is do you sort of work in the local area, or do you travel out to sort of support your clients to the NDIS? Yeah. Okay. Yep.\n\nOkay. Yep. Yep. Yep. Nice.\n\nYou get them to drive. I love that. That's absolutely fine. That is absolutely fine. Not a problem at all.\n\nNow the next one here is do you do any hazardous activities? I honestly don't think you would do anything hazardous in your role. You know, work at major heights or get on roofs or anything strange? All good. You only have technically one job.\n\nYou don't have a secondary job on the side or anything or not not planning to have a secondary job or a secondary business at the moment? No. Beautiful. Do you have any what is enough? Working enough hours.\n\nDo you do you have any overseas holidays planned for this year at all? That's yep. That's okay. So nothing else booked in the next twelve months. That's okay.\n\nYeah. Okay. Nice. Lovely. That'll be fantastic.\n\nI know you're very busy with work, but do you have any hobbies or pastimes? Do you play any sports outside of work? It doesn't sound like you have any time for that. Yes. Lovely.\n\nLovely. Do you drink do you have a few babies in the weekend? A couple of wines or a drink or two? Don't drink? Wow.\n\nYou are good. Really? Wow. Yes. Absolutely.\n\nAbsolutely. Look. This next question is a little bit of a weird one, but have you ever taken illegal or illicit illicit drugs before? Beautiful. I love that.\n\nFantastic. I I've got you down as a nonsmoker here. That's fantastic. Have you lost any large sums of weight, so more than 10 kilos over the past twelve months at all? That's okay.\n\nYeah. That's okay. Yes. Yep. That's it's you've had a lot going on.\n\nYeah. That's okay. The next couple of questions here are just about your medical history, so your family history and yours. The first few are about your family history. They're just wanting to find out if there's been any major conditions or major diagnoses in your family from your mother, father, brother, or sister before the age of 60.\n\nIf anyone's being diagnosed with any of these after 60, they don't need to worry about it. It's just if they have been diagnosed or suffered any of the below before 60. Is this the list? I'll go through them. Ask each one if you can just say yes or no.\n\nOkay? The first one here is heart disease, heart attack, or stroke. No. Multiple sclerosis, Parkinson's, or Alzheimer's? Muscular dystrophy, Huntington's or motor neurons disease?\n\nNo. Any bowel cancer or melanoma? Any polycystic kidney disease? Any breast cancer? Any mental health condition?\n\nNo. Any cardio or myopathies? Anything of the heart? Nope. Any diabetes?\n\nBeautiful. And anything else before the age of 60 that we haven't quite covered? Yeah. No. Beautiful.\n\nExcellent. Your family is nice and healthy, and we like that. That's fantastic. The next one here is about yourself. So, again, it's a very similar list, but just asking if you have suffered short treatment or been diagnosed with any of the following ever in your lifetime.\n\nSo have you ever had stress, anxiety, depression, or any mental health that you've been diagnosed for or sought treatment for? No? Any skin cancers, tumors, lesions, cysts, or moles? No. Any back or neck pain, any sciatica, spondylitis?\n\nNope. Any bone fractures or ligaments or issues with your tendons or arthritis? Nope. I do apologize. The next one is a bit sensitive, but any HIV, hep b, or c?\n\nNope. Any heart conditions or blood conditions? Any previous surgeries? Yep. Okay.\n\nOkay. Yep. Yes. Yes. Okay.\n\nYep. No. That's okay. It was a a bit of a lump? Yeah.\n\nYep. Yep. Yep. That's okay. Lovely.\n\nOkay. Yep. Fantastic. And you didn't have any time off or no follow ups? Everything was done?\n\nYep. Day surgery. Lovely. Well, I'm glad nothing came back from that, and it sounds awful. I'm glad it's gone.\n\nPerfect. The next one here is any cancer. There's no. No. Excellent.\n\nThe next one is asthma or respiratory condition. Fantastic. No high blood pressure or high cholesterol. No. Beautiful.\n\nAny skin conditions or diabetes or thyroid conditions. Beautiful. That is the whole questionnaire. We just had to maybe look look at that again just to sort of confirm that there's, you know, nothing flagged there. Realistically, the what you have kinda told me should already be on your current application.\n\nSo going forward and increasing your trauma policy, I don't foresee any issues with that. There's no additional loadings or spoons we should see there. So what I'll do is I can go back as part of the advice. I'll just review your current policy, look at, you know, what the cost is to increase that to a 120,000. I can look at the policy you have now and also any other providers to see what the policies look like, the best terms might be, the costing, what they offer as well, because it's not just about what you pay for the policy, but, you know, what might be inside the policy that works for you.\n\nAnd then we can update the recommendation, and it's up to you whether you take it or not. But I'll show you what it looks like, the cost, the advantages, disadvantages, and the risks. Is that okay, Christie? Yep. You, yeah, you you just want a 100 a 100,000?\n\nYeah. Sure. Perfect. Not a problem at all. We'll make it a 100,000 for you.\n\nNot an issue. Excellent. Lovely. The only other thing to confirm is I've got down here that you've not got a will and power of attorney in place. Given that you've got a lot of assets to your properties and everything, have you spoken to a solicitor ever and drawn up a will?\n\nYes. Beautiful. Yes. Oh, no. It was it's definitely something that you need to do.\n\nSo it is really important. You've got your investment properties. You've worked really hard. And, obviously, when we update these beneficiary nominations so that your mom is the beneficiary there, it is just really important that, you know, your will is done up to reflect your wishes. Because if without a will, if you were to pass away, all of your assets then go through intestate, and it's up to a judge to decide.\n\nIt goes to the court system to decide who receives what. It might not be where you want it to go, and it might leave your mom a little bit short. So, doing a will is really important. You've got those that information there. So if you can speak to your solicitor and have those completed, that would be great.\n\nIf you wanted us to refer you to a solicitor, we absolutely can. But it sounds like you've started the process already, so it would be definitely worth completing with that solicitor. Okay. Beautiful. Excellent.\n\nThe only other thing to let you know about is I have sent all the documents through. So everything I've gone through with you today is in the annual review pack, which we have put in your we've sent through to your email there for you. So you're welcome to, after the call, have a look at the documents that has the performance report of your portfolio. It's also got your summary of super insurances, which outlines the level of cover you have, your super information. It's also got the financial services guide attached, which has a lovely picture of me and all my licensing information in there for you.\n\nAnd we've also got the ongoing service agreement for you. So in order to provide financial advice and help you meet your goals and looking forward at your retirement goals there, it is really important that we do just get you to sign and return that one pass. You do pay an ongoing service fee of 1.65% for our services. That is a year, and it is deducted in smaller monthly increments throughout the year for our services that's just taken out of your super account. So if you, you know, happy with our services, wanna stay on board for another twelve months, we'll get you to sign and return that one back.\n\nFeel free to have a look at the documents, and let me know if you do happen to have any questions at all, and I'll get stuck into this research. And as soon as we have that advice document ready to go, my team will book you back in, and we'll go through that advice and have everything updated. And you can see exactly what my recommendations are. Okay? Excellent.\n\nThe only other thing I just wanted to double check, I know with your company now with you now being a company, is your company going to be putting those contributions into your super fund on a regular basis? Are you gonna be receiving those as an employee at that normal 12% rate? Do you know? Yep. Mhmm.\n\nBit difficult. Yep. Yep. Right. Yep.\n\nYep. Yeah. Absolutely. So that'll all kinda start from the July 1 and make it a new fresh financial year to make it easier. Yeah.\n\nBeautiful. And when I look at, obviously, the advice and the contributions going in, I'm factoring that on 12% of a 120,000 per year. Is that accurate as a gross figure? Yeah. So yeah.\n\nFor so the gross figure is a pretax figure. So if we have a look at like, if you're earning a 120,000 per annum from before tax from your company, then when you consider income tax as an employee in contributions, your take home pay is actually 91,000. Or are you earning that 120,000 net after tax from your company? Are you receiving that after tax? Okay.\n\nYep. That's fine. Just just so I can work the contribution to that correctly. Yeah. No.\n\nYeah. No. Definitely. Yep. No.\n\nYep. Probably your accountant. Yeah. Yep. Yes.\n\nYep. Yes. Yes. Absolutely. So based on you earning a 120,000 per animal for the year, your contributions into your super fund as an employee of your company at 12% equates to about 14,400.\n\nDo you think that that would be adequate? Do you think that you would be, as an employee of your own company, be receiving that kind of contribution in the super for the year for this next year? A 100 and 20,012 percent. Yeah. Yeah.\n\nWell, the exponential year, the cap goes up to $32,500. Yeah. No. Not re not really. The the employee because you're getting you're paying yourself as an employee, your company, I believe, can claim a tax deduction for what they're paying, but there's really no benefit to you.\n\nRealistically, the the the deductible contribution is probably more of a tax benefit to you. But it also just is comfortable. Do you think with how your company is going that you would receive for the next year about 14,000 in contributions employment wise, or did you wanna just do you think you'll be maximizing the cap every year, and do we just factor in your contributions over the year at the full cap for $32,500? Or did you want me just to allocate a smaller amount to contributions to sort of show with the advice how your super is tracking towards your retirement? Yeah.\n\nMhmm. Yeah. Some do. Yeah. Yeah.\n\nWell, it does. It puts more money into your super, and that benefits you because there's more money in your super. But you'd have to check with your accountant to see if there's any kind of tax benefit on the other side or anything that your company can receive in reg in relation to that. But do you do you think you'd be comfortable paying yourself 17%? Do you wanna account for 17% employer contributions based on the income you're gonna receive or hoping to receive?\n\nYep. Yep. Perfect. Yep. Absolutely.\n\nAnd when you said regular income, what's a regular income to you? Is it 80,000, a 100,000, a 120,000? Yeah. Mhmm. Yeah.\n\nYeah. Yes. Correct. Yeah. That's okay.\n\nSo for the advice, I just have to be able to allocate contributions as a dollar figure and also understand and allocate your income as a dollar figure. Are you comfortable with me noting your income as a 120,000 and considering contributions at 12%, which is the standard rate, which is 14,400 for the year. Yes. No. No.\n\nCorrect. It's just that when we do advise, we need to obviously look at the projected outcome. And when we're looking at projected outcome, we take into account the contributions you're expecting to receive based on your current income. I can do it with no contributions, but then, obviously, the contributions are important to help your super grow investments. Can only do so much without additional contributions there.\n\nSo it is helpful to be able to look at your super, look at where it's tracking, and factor what average rate of contributions you should expect. So if you're Mhmm. So you're happy? Yep. Okay.\n\nSo we'll just we'll just factor in that each year between now and you're gonna try and maximize the contributions cap out every year. Yep. And are you gonna try and do that in a more tax effective way, so as a deductible contribution if possible? Yep. Beautiful.\n\nSo what I would probably yep. That's absolutely fine. Not a problem at all. So what I'll do is I will factor in contributions between now to the age of 60 because you're quite close to there. Look at the investments inside of it, and we'll just factor contributions up to the cap.\n\nIt's not a not about the tax component, just sort of projecting what your sleep is expected to do based on the changes in the investments, the returns that we see, the fees that we have, and you maximizing the cap every year to show you what the outcome should be at age 60. Does that sound fine? Yep. Beautiful. I love it.\n\nExcellent. That's okay. We just wanted to clarify so I had the right information. Wanted to give you the document so you understood it. I wanna give you the numbers and you go, hey.\n\nThat just doesn't make sense. So just clarifying what it is that you're hoping or expecting out of your employment. That's all. Okay. Beautiful.\n\nLook. That is everything I needed to go through. I'll go back and do that research for you and come up with an advice document in a few weeks. If you have any questions in the meantime, Christie, please let me know. But thank you for your time.\n\nI know it has been a long call, and I appreciate that. Is there any other questions or anything else that might have come up in the meantime that you wanna ask me at all? No. That's okay. All good.\n\nAbsolutely. In the meantime, your annual review pack is in there for you. Feel free to have a look, and if you can sign and return that back, that'd be absolutely amazing. Okay. Thank you.\n\nIt's been a no problem. Thank you for your time. It's been a pleasure. I hope you have a relaxing evening. Thank you.\n\nI'll talk to you soon, Christie. Have a good night. Alright. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Dana, Ooku Financial.","start":7.12,"end":8.58,"sentiment":"neutral","sentiment_score":0.014170817409952482},{"text":"Hi, Christie.","start":15.535,"end":16.255001,"sentiment":"neutral","sentiment_score":-0.12682926282286644},{"text":"I lost you.","start":16.255001,"end":16.895,"sentiment":"negative","sentiment_score":-0.4362134138743083},{"text":"I'm so sorry.","start":16.895,"end":17.795,"sentiment":"negative","sentiment_score":-0.4071572721004486},{"text":"No.","start":20.575,"end":20.815,"sentiment":"neutral","sentiment_score":-0.19786176085472107}],"sentiment":"neutral","sentiment_score":-0.24492665768290559,"num_words":12,"start":7.12,"end":20.815},{"sentences":[{"text":"That's absolutely fine.","start":20.815,"end":22.095001,"sentiment":"neutral","sentiment_score":0.055672373001774154},{"text":"I thought I'd give you a quick callback, and hopefully, I could grab you.","start":22.095001,"end":24.975,"sentiment":"neutral","sentiment_score":0.015183408012879747},{"text":"I'm so, so sorry about that.","start":24.975,"end":26.755001,"sentiment":"neutral","sentiment_score":-0.06934619011978309},{"text":"Just wanted to reconfirm with your self employed.","start":27.27,"end":30.230001,"sentiment":"neutral","sentiment_score":-0.0001447233371436596},{"text":"How long have you been self employed for?","start":30.230001,"end":32.25,"sentiment":"neutral","sentiment_score":-0.006429722881875932}],"sentiment":"neutral","sentiment_score":-0.002284304597056829,"num_words":39,"start":20.815,"end":32.25},{"sentences":[{"text":"Okay.","start":42.805,"end":43.205,"sentiment":"neutral","sentiment_score":0.06381327658891678},{"text":"Beautiful.","start":43.205,"end":43.685,"sentiment":"neutral","sentiment_score":0.2039659023284912},{"text":"And before that, were you working in the same sort of industry?","start":43.685,"end":46.585,"sentiment":"neutral","sentiment_score":0.021587575630595286},{"text":"Yep.","start":48.565002,"end":48.885002,"sentiment":"neutral","sentiment_score":0.024764223024249077},{"text":"Okay.","start":48.885002,"end":49.385002,"sentiment":"neutral","sentiment_score":0.015887625515460968}],"sentiment":"neutral","sentiment_score":0.03546762093901634,"num_words":16,"start":42.805,"end":49.385002},{"sentences":[{"text":"Okay.","start":53.22,"end":53.46,"sentiment":"neutral","sentiment_score":0.1171753704547882},{"text":"Beautiful.","start":53.46,"end":53.96,"sentiment":"neutral","sentiment_score":0.27457380294799805},{"text":"So 2021 is when you started the industry.","start":54.02,"end":56.52,"sentiment":"neutral","sentiment_score":0.12180006969720125},{"text":"Beautiful.","start":56.66,"end":57.16,"sentiment":"neutral","sentiment_score":0.3037211000919342},{"text":"And just having a look.","start":58.1,"end":59.22,"sentiment":"neutral","sentiment_score":0.0896058902144432}],"sentiment":"neutral","sentiment_score":0.13236876763403416,"num_words":16,"start":53.22,"end":59.22},{"sentences":[{"text":"So I've got you down.","start":59.22,"end":60.34,"sentiment":"neutral","sentiment_score":0.009898676723241805},{"text":"You're technically what would you consider your role to be technically?","start":60.34,"end":64.6,"sentiment":"neutral","sentiment_score":-0.0018855865028771486},{"text":"Would you say support coordinator still?","start":64.66,"end":67.235,"sentiment":"neutral","sentiment_score":-0.00903396230811874},{"text":"Yep.","start":68.65501,"end":68.975006,"sentiment":"neutral","sentiment_score":0.0703807920217514},{"text":"Beautiful.","start":68.975006,"end":69.375,"sentiment":"neutral","sentiment_score":0.17419181764125824}],"sentiment":"neutral","sentiment_score":0.009130031995785734,"num_words":24,"start":59.22,"end":69.375},{"sentences":[{"text":"And you were in this had the same sort of title from 2021 in your previous role?","start":69.375,"end":74.355,"sentiment":"neutral","sentiment_score":0.03945976451915853},{"text":"Okay.","start":80.11,"end":80.61,"sentiment":"neutral","sentiment_score":0.0013626785948872566},{"text":"Yep.","start":82.590004,"end":83.090004,"sentiment":"neutral","sentiment_score":0.014429363422095776},{"text":"Yep.","start":87.23,"end":87.73,"sentiment":"neutral","sentiment_score":0.02778127603232861},{"text":"Yep.","start":96.525,"end":96.765,"sentiment":"neutral","sentiment_score":0.018872492015361782}],"sentiment":"neutral","sentiment_score":0.03491722889954135,"num_words":21,"start":69.375,"end":96.765},{"sentences":[{"text":"2022.","start":96.765,"end":97.965004,"sentiment":"neutral","sentiment_score":0.029725752770900726},{"text":"Beautiful.","start":97.965004,"end":98.445,"sentiment":"neutral","sentiment_score":0.30765223503112793},{"text":"Thank you for updating that.","start":98.445,"end":99.985,"sentiment":"positive","sentiment_score":0.3649103343486786},{"text":"Have you ever been bankrupt on a part nine debt agreement at all?","start":100.205,"end":103.885,"sentiment":"neutral","sentiment_score":-0.02706297830893443},{"text":"I'd say probably not.","start":103.885,"end":105.12,"sentiment":"neutral","sentiment_score":-0.1066009197384119}],"sentiment":"neutral","sentiment_score":0.05765446927398443,"num_words":24,"start":96.765,"end":105.12},{"sentences":[{"text":"No.","start":106.64,"end":107.12,"sentiment":"neutral","sentiment_score":-0.0752452164888382},{"text":"Beautiful.","start":107.12,"end":107.62,"sentiment":"neutral","sentiment_score":0.03454280644655228},{"text":"Yeah.","start":108.4,"end":108.9,"sentiment":"neutral","sentiment_score":-0.00878508947789669},{"text":"No.","start":111.04,"end":111.44,"sentiment":"neutral","sentiment_score":-0.04627816006541252},{"text":"Beautiful.","start":111.44,"end":111.94,"sentiment":"neutral","sentiment_score":0.16957993805408478}],"sentiment":"neutral","sentiment_score":0.014762855693697929,"num_words":5,"start":106.64,"end":111.94},{"sentences":[{"text":"Fantastic.","start":112.08,"end":112.58,"sentiment":"neutral","sentiment_score":0.2887652814388275},{"text":"Do you have any specific qualifications to be able to do your role?","start":114.240005,"end":117.855,"sentiment":"neutral","sentiment_score":0.08507879078388214},{"text":"I've got down here that you've got a master's degree in business admin and a specific degree in individual support.","start":117.855,"end":123.775,"sentiment":"neutral","sentiment_score":0.058572818711400035},{"text":"Do you have any other qualifications I should note down?","start":123.775,"end":126.675,"sentiment":"neutral","sentiment_score":0.054032386280596256},{"text":"Yep.","start":135.79,"end":136.29,"sentiment":"neutral","sentiment_score":0.09399519860744476}],"sentiment":"neutral","sentiment_score":0.07112366660601563,"num_words":45,"start":112.08,"end":136.29},{"sentences":[{"text":"Yep.","start":136.75,"end":137.25,"sentiment":"neutral","sentiment_score":0.1317354291677475},{"text":"Perfect.","start":138.82999,"end":139.32999,"sentiment":"positive","sentiment_score":0.5165669322013855},{"text":"Thank you for that.","start":139.62999,"end":140.84999,"sentiment":"positive","sentiment_score":0.5946268886327744},{"text":"Excellent.","start":141.62999,"end":142.12999,"sentiment":"positive","sentiment_score":0.46530064940452576},{"text":"And I've got your duties down, which is fine.","start":143.66501,"end":146.085,"sentiment":"neutral","sentiment_score":0.10814637111292945}],"sentiment":"neutral","sentiment_score":0.2790892440825701,"num_words":16,"start":136.75,"end":146.085},{"sentences":[{"text":"Do you do much in the way of domestic travel with regard to your role?","start":147.02501,"end":150.945,"sentiment":"neutral","sentiment_score":0.00682628999153773},{"text":"Is do you sort of work in the local area, or do you travel out to sort of support your clients to the 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get them to drive.","start":196.58499,"end":197.72499,"sentiment":"neutral","sentiment_score":0.06709815785288811},{"text":"I love that.","start":199.545,"end":200.525,"sentiment":"neutral","sentiment_score":-0.31605784098307294},{"text":"That's absolutely fine.","start":202.985,"end":204.665,"sentiment":"neutral","sentiment_score":0.11327479283014934},{"text":"That is absolutely fine.","start":204.665,"end":205.94499,"sentiment":"neutral","sentiment_score":0.21737877279520035},{"text":"Not a problem at all.","start":205.94499,"end":207.18,"sentiment":"neutral","sentiment_score":0.024216871708631512}],"sentiment":"neutral","sentiment_score":0.03588705472648144,"num_words":20,"start":196.58499,"end":207.18},{"sentences":[{"text":"Now the next one here is do you do any hazardous activities?","start":207.73999,"end":211.2,"sentiment":"neutral","sentiment_score":-0.08190094865858555},{"text":"I honestly don't think you would do anything hazardous in your 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60.","start":379.605,"end":390.88,"sentiment":"neutral","sentiment_score":0.01893879398703575}],"sentiment":"neutral","sentiment_score":0.024658253763691854,"num_words":59,"start":369.69998,"end":390.88},{"sentences":[{"text":"If anyone's being diagnosed with any of these after 60, they don't need to worry about it.","start":390.88,"end":395.52,"sentiment":"neutral","sentiment_score":0.07500128973932828},{"text":"It's just if they have been diagnosed or suffered any of the below before 60.","start":395.52,"end":400.17502,"sentiment":"neutral","sentiment_score":0.027739641567071278},{"text":"Is this the list?","start":400.17502,"end":401.05502,"sentiment":"neutral","sentiment_score":0.01613751449622214},{"text":"I'll go through them.","start":401.05502,"end":402.015,"sentiment":"neutral","sentiment_score":0.025535727851092815},{"text":"Ask each one if you can just say yes or no.","start":402.015,"end":404.33502,"sentiment":"neutral","sentiment_score":0.007478553801774979}],"sentiment":"neutral","sentiment_score":0.03804065902516538,"num_words":51,"start":390.88,"end":404.33502},{"sentences":[{"text":"Okay?","start":404.33502,"end":404.83502,"sentiment":"neutral","sentiment_score":0.019757505506277084},{"text":"The first one here is heart disease, heart attack, or stroke.","start":406.17502,"end":409.23502,"sentiment":"neutral","sentiment_score":-0.020719418132847004},{"text":"No.","start":411.71,"end":412.21,"sentiment":"neutral","sentiment_score":-0.02145456895232201},{"text":"Multiple sclerosis, Parkinson's, or Alzheimer's?","start":413.31,"end":415.81,"sentiment":"neutral","sentiment_score":-0.02119039446115494},{"text":"Muscular dystrophy, Huntington's or motor neurons 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diabetes?","start":442.69998,"end":443.6,"sentiment":"neutral","sentiment_score":-0.09257058054208755}],"sentiment":"neutral","sentiment_score":-0.04702255599355946,"num_words":12,"start":437.125,"end":443.6},{"sentences":[{"text":"Beautiful.","start":451.09998,"end":451.59998,"sentiment":"neutral","sentiment_score":0.13685506582260132},{"text":"And anything else before the age of 60 that we haven't quite 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yourself.","start":466.395,"end":468.495,"sentiment":"neutral","sentiment_score":0.021351182168083533},{"text":"So, again, it's a very similar list, but just asking if you have suffered short treatment or been diagnosed with any of the following ever in your lifetime.","start":468.51,"end":477.57,"sentiment":"neutral","sentiment_score":0.0004716092953458428}],"sentiment":"neutral","sentiment_score":0.1878812709376992,"num_words":48,"start":461.515,"end":477.57},{"sentences":[{"text":"So have you ever had stress, anxiety, depression, or any mental health that you've been diagnosed for or sought treatment for?","start":477.71002,"end":485.185,"sentiment":"neutral","sentiment_score":-0.017676556216818944},{"text":"No?","start":485.325,"end":485.825,"sentiment":"neutral","sentiment_score":-0.042176492512226105},{"text":"Any skin cancers, tumors, lesions, cysts, or moles?","start":486.445,"end":489.745,"sentiment":"neutral","sentiment_score":-0.03631587862037122},{"text":"No.","start":491.325,"end":491.645,"sentiment":"neutral","sentiment_score":-0.03191657364368439},{"text":"Any back or neck pain, any sciatica, spondylitis?","start":491.645,"end":494.54498,"sentiment":"neutral","sentiment_score":-0.04497115523554385}],"sentiment":"neutral","sentiment_score":-0.02809223121939561,"num_words":39,"start":477.71002,"end":494.54498},{"sentences":[{"text":"Nope.","start":497.52002,"end":498.0,"sentiment":"neutral","sentiment_score":-0.0308030154556036},{"text":"Any bone fractures or ligaments or issues with your tendons or arthritis?","start":498.0,"end":502.9,"sentiment":"neutral","sentiment_score":-0.032700992189347744},{"text":"Nope.","start":505.12,"end":505.52002,"sentiment":"neutral","sentiment_score":-0.05674740672111511},{"text":"I do apologize.","start":505.52002,"end":506.32,"sentiment":"neutral","sentiment_score":-0.07052530099948247},{"text":"The next one is a bit sensitive, but any HIV, hep b, or c?","start":506.32,"end":510.42,"sentiment":"neutral","sentiment_score":-0.050310486395444186}],"sentiment":"neutral","sentiment_score":-0.04502854970914702,"num_words":31,"start":497.52002,"end":510.42},{"sentences":[{"text":"Nope.","start":512.035,"end":512.355,"sentiment":"neutral","sentiment_score":-0.03174840658903122},{"text":"Any heart conditions or blood conditions?","start":512.355,"end":514.535,"sentiment":"neutral","sentiment_score":-0.028922936879098415},{"text":"Any previous 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done?","start":590.715,"end":591.85504,"sentiment":"neutral","sentiment_score":-0.017248164862394333}],"sentiment":"neutral","sentiment_score":0.027760857113582248,"num_words":17,"start":584.315,"end":591.85504},{"sentences":[{"text":"Yep.","start":592.395,"end":592.895,"sentiment":"neutral","sentiment_score":0.004900125786662102},{"text":"Day surgery.","start":593.35504,"end":594.075,"sentiment":"neutral","sentiment_score":0.027780593372881413},{"text":"Lovely.","start":594.075,"end":594.55505,"sentiment":"neutral","sentiment_score":0.3163302540779114},{"text":"Well, I'm glad nothing came back from that, and it sounds awful.","start":594.55505,"end":597.435,"sentiment":"neutral","sentiment_score":-0.25542008752624196},{"text":"I'm glad it's gone.","start":597.435,"end":598.575,"sentiment":"neutral","sentiment_score":-0.26015751995146275}],"sentiment":"neutral","sentiment_score":-0.18644397817552089,"num_words":20,"start":592.395,"end":598.575},{"sentences":[{"text":"Perfect.","start":600.7,"end":601.2,"sentiment":"neutral","sentiment_score":0.18599309027194977},{"text":"The next one here is any cancer.","start":601.89996,"end":603.92,"sentiment":"neutral","sentiment_score":-0.1341779168163027},{"text":"There's no.","start":605.33997,"end":606.24,"sentiment":"neutral","sentiment_score":-0.15925820916891098},{"text":"No.","start":608.14,"end":608.45996,"sentiment":"neutral","sentiment_score":-0.10822215676307678},{"text":"Excellent.","start":608.45996,"end":608.95996,"sentiment":"neutral","sentiment_score":0.10056430101394652}],"sentiment":"neutral","sentiment_score":-0.08995221679409345,"num_words":12,"start":600.7,"end":608.95996},{"sentences":[{"text":"The next one is asthma or respiratory 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is the whole questionnaire.","start":627.94,"end":629.24,"sentiment":"neutral","sentiment_score":0.08327198773622513},{"text":"We just had to maybe look look at that again just to sort of confirm that there's, you know, nothing flagged there.","start":629.3,"end":634.83997,"sentiment":"neutral","sentiment_score":0.02603083129294894},{"text":"Realistically, the what you have kinda told me should already be on your current application.","start":634.98,"end":639.72,"sentiment":"neutral","sentiment_score":0.003167513944208622}],"sentiment":"neutral","sentiment_score":0.026571764720275122,"num_words":51,"start":622.20496,"end":639.72},{"sentences":[{"text":"So going forward and increasing your trauma policy, I don't foresee any issues with that.","start":639.94,"end":645.315,"sentiment":"neutral","sentiment_score":-0.09541259979208311},{"text":"There's no additional loadings or spoons we should see there.","start":645.315,"end":648.35504,"sentiment":"neutral","sentiment_score":-0.040743038058280945},{"text":"So what I'll do is I can go back as part of the advice.","start":648.35504,"end":651.155,"sentiment":"neutral","sentiment_score":0.03167083952575922},{"text":"I'll just review your current policy, look at, you know, what the cost is to increase that to a 120,000.","start":651.155,"end":657.59,"sentiment":"neutral","sentiment_score":0.022087053302675484},{"text":"I can look at the policy you have now and also any other providers to see what the policies look like, the best terms might be, the costing, what they offer as well, because it's not just about what you pay for the policy, but, you know, what might be inside the policy that works for you.","start":657.89,"end":674.115,"sentiment":"neutral","sentiment_score":0.05684401006682923}],"sentiment":"neutral","sentiment_score":0.01971225875654611,"num_words":116,"start":639.94,"end":674.115},{"sentences":[{"text":"And then we can update the recommendation, and it's up to you whether you take it or not.","start":674.575,"end":678.815,"sentiment":"neutral","sentiment_score":0.04688192272765769},{"text":"But I'll show you what it looks like, the cost, the advantages, disadvantages, and the risks.","start":678.815,"end":682.91,"sentiment":"neutral","sentiment_score":0.033102319575846195},{"text":"Is that okay, Christie?","start":682.91,"end":684.13,"sentiment":"neutral","sentiment_score":0.035112977027893066},{"text":"Yep.","start":685.95,"end":686.45,"sentiment":"neutral","sentiment_score":0.042744170874357224},{"text":"You, yeah, you you just want a 100 a 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great.","start":773.88995,"end":777.825,"sentiment":"neutral","sentiment_score":0.2823240775614977}],"sentiment":"neutral","sentiment_score":0.00400797687470913,"num_words":60,"start":760.145,"end":777.825},{"sentences":[{"text":"If you wanted us to refer you to a solicitor, we absolutely can.","start":777.825,"end":781.60504,"sentiment":"neutral","sentiment_score":0.23000199748919561},{"text":"But it sounds like you've started the process already, so it would be definitely worth completing with that solicitor.","start":781.66504,"end":786.885,"sentiment":"neutral","sentiment_score":0.20175013299051084},{"text":"Okay.","start":787.185,"end":787.685,"sentiment":"neutral","sentiment_score":0.12380409240722656},{"text":"Beautiful.","start":789.34503,"end":789.84503,"sentiment":"positive","sentiment_score":0.5323543548583984},{"text":"Excellent.","start":790.91003,"end":791.41003,"sentiment":"positive","sentiment_score":0.6602519750595093}],"sentiment":"neutral","sentiment_score":0.2325625404715538,"num_words":35,"start":777.825,"end":791.41003},{"sentences":[{"text":"The only other thing to let you know about is I have sent all the documents through.","start":792.03,"end":795.15,"sentiment":"neutral","sentiment_score":0.22220387003001044},{"text":"So everything I've gone through with you today is in the annual review pack, which we have put in your we've sent through to your email there for you.","start":795.15,"end":802.35004,"sentiment":"neutral","sentiment_score":0.23131629927404995},{"text":"So you're welcome to, after the call, have a look at the documents that has the performance report of your portfolio.","start":802.35004,"end":807.655,"sentiment":"neutral","sentiment_score":0.2814069546404339},{"text":"It's also got your summary of super insurances, which outlines the level of cover you have, your super information.","start":807.655,"end":814.795,"sentiment":"neutral","sentiment_score":0.21515508309790962},{"text":"It's also got the financial services guide attached, which has a lovely picture of me and all my licensing information in there for you.","start":815.735,"end":822.69,"sentiment":"neutral","sentiment_score":0.32796710294981796}],"sentiment":"neutral","sentiment_score":0.2577667415142059,"num_words":110,"start":792.03,"end":822.69},{"sentences":[{"text":"And we've also got the ongoing service agreement for you.","start":822.83,"end":825.63,"sentiment":"neutral","sentiment_score":0.1702013086527586},{"text":"So in order to provide financial advice and help you meet your goals and looking forward at your retirement goals there, it is really important that we do just get you to sign and return that one pass.","start":825.63,"end":835.815,"sentiment":"neutral","sentiment_score":0.18745513319184906},{"text":"You do pay an ongoing service fee of 1.65% for our services.","start":835.815,"end":840.39496,"sentiment":"neutral","sentiment_score":0.05969801048437754},{"text":"That is a year, and it is deducted in smaller monthly increments throughout the year for our services that's just taken out of your super account.","start":841.255,"end":849.14,"sentiment":"neutral","sentiment_score":0.04881162461466514},{"text":"So if you, you know, happy with our services, wanna stay on board for another twelve months, we'll get you to sign and return that one back.","start":849.14,"end":856.12,"sentiment":"positive","sentiment_score":0.4218316111299727}],"sentiment":"neutral","sentiment_score":0.1964623010099198,"num_words":113,"start":822.83,"end":856.12},{"sentences":[{"text":"Feel free to have a look at the documents, and let me know if you do happen to have any questions at all, and I'll get stuck into this research.","start":856.91504,"end":863.55505,"sentiment":"positive","sentiment_score":0.33818717698256173},{"text":"And as soon as we have that advice document ready to go, my team will book you back in, and we'll go through that advice and have everything updated.","start":863.55505,"end":870.63,"sentiment":"neutral","sentiment_score":0.3244407017683161},{"text":"And you can see exactly what my recommendations are.","start":870.63,"end":873.61,"sentiment":"neutral","sentiment_score":0.22847667502032387},{"text":"Okay?","start":873.67,"end":874.17,"sentiment":"neutral","sentiment_score":0.13778728246688843},{"text":"Excellent.","start":876.31,"end":876.81,"sentiment":"positive","sentiment_score":0.6303527355194092}],"sentiment":"neutral","sentiment_score":0.319697510770389,"num_words":70,"start":856.91504,"end":876.81},{"sentences":[{"text":"The only other thing I just wanted to double check, I know with your company now with you now being a company, is your company going to be putting those contributions into your super fund on a regular basis?","start":877.43,"end":888.945,"sentiment":"neutral","sentiment_score":0.06057825374106566},{"text":"Are you gonna be receiving those as an employee at that normal 12% rate?","start":888.945,"end":893.66504,"sentiment":"neutral","sentiment_score":-0.001453386087502752},{"text":"Do you know?","start":893.66504,"end":894.565,"sentiment":"neutral","sentiment_score":-0.016535935923457146},{"text":"Yep.","start":899.68,"end":900.18,"sentiment":"neutral","sentiment_score":0.073055200278759},{"text":"Mhmm.","start":905.68,"end":906.18,"sentiment":"neutral","sentiment_score":-0.003629089798778295}],"sentiment":"neutral","sentiment_score":0.040724530920450544,"num_words":58,"start":877.43,"end":906.18},{"sentences":[{"text":"Bit difficult.","start":911.375,"end":912.115,"sentiment":"neutral","sentiment_score":-0.1859368234872818},{"text":"Yep.","start":912.495,"end":912.995,"sentiment":"neutral","sentiment_score":-0.00602450966835022},{"text":"Yep.","start":914.65497,"end":915.15497,"sentiment":"neutral","sentiment_score":0.01481775101274252},{"text":"Right.","start":923.55,"end":924.05,"sentiment":"neutral","sentiment_score":-0.029414311051368713},{"text":"Yep.","start":927.63,"end":928.13,"sentiment":"neutral","sentiment_score":0.031363338232040405}],"sentiment":"neutral","sentiment_score":-0.0601885630749166,"num_words":6,"start":911.375,"end":928.13},{"sentences":[{"text":"Yep.","start":928.35004,"end":928.85004,"sentiment":"neutral","sentiment_score":0.0899590402841568},{"text":"Yeah.","start":930.99,"end":931.49,"sentiment":"neutral","sentiment_score":0.24362029135227203},{"text":"Absolutely.","start":931.55,"end":932.05,"sentiment":"positive","sentiment_score":0.43312326073646545},{"text":"So that'll all kinda start from the July 1 and make it a new fresh financial year to make it easier.","start":932.27,"end":937.075,"sentiment":"positive","sentiment_score":0.4926255132470812},{"text":"Yeah.","start":938.255,"end":938.755,"sentiment":"positive","sentiment_score":0.3474466800689697}],"sentiment":"positive","sentiment_score":0.45837140202522275,"num_words":25,"start":928.35004,"end":938.755},{"sentences":[{"text":"Beautiful.","start":938.895,"end":939.395,"sentiment":"positive","sentiment_score":0.5478415489196777},{"text":"And when I look at, obviously, the advice and the contributions going in, I'm factoring that on 12% of a 120,000 per year.","start":939.775,"end":948.335,"sentiment":"neutral","sentiment_score":0.19665060159952744},{"text":"Is that accurate as a gross figure?","start":948.335,"end":950.75,"sentiment":"neutral","sentiment_score":0.12323024123907089},{"text":"Yeah.","start":957.45,"end":957.95,"sentiment":"neutral","sentiment_score":0.03649330884218216},{"text":"So yeah.","start":958.01,"end":959.61,"sentiment":"neutral","sentiment_score":0.016981035005301237}],"sentiment":"neutral","sentiment_score":0.17658448391867912,"num_words":34,"start":938.895,"end":959.61},{"sentences":[{"text":"For so the gross figure is a pretax figure.","start":959.61,"end":962.03503,"sentiment":"neutral","sentiment_score":-0.00196406783329116},{"text":"So if we have a look at like, if you're earning a 120,000 per annum from before tax from your company, then when you consider income tax as an employee in contributions, your take home pay is actually 91,000.","start":962.03503,"end":976.375,"sentiment":"neutral","sentiment_score":0.003435094673664142},{"text":"Or are you earning that 120,000 net after tax from your company?","start":977.21,"end":981.79004,"sentiment":"neutral","sentiment_score":0.0009194156931092342},{"text":"Are you receiving that after tax?","start":981.85004,"end":984.51,"sentiment":"neutral","sentiment_score":-0.013260487156609694},{"text":"Okay.","start":986.57,"end":987.07,"sentiment":"neutral","sentiment_score":0.11362642794847488}],"sentiment":"neutral","sentiment_score":0.002408784702976248,"num_words":67,"start":959.61,"end":987.07},{"sentences":[{"text":"Yep.","start":987.37,"end":987.69,"sentiment":"neutral","sentiment_score":0.20179371535778048},{"text":"That's fine.","start":987.69,"end":988.17004,"sentiment":"neutral","sentiment_score":0.3139316886663437},{"text":"Just just so I can work the contribution to that correctly.","start":988.17004,"end":990.83,"sentiment":"neutral","sentiment_score":0.12904695827852597},{"text":"Yeah.","start":991.13,"end":991.63,"sentiment":"neutral","sentiment_score":-0.03273305669426918},{"text":"No.","start":1001.485,"end":1001.985,"sentiment":"neutral","sentiment_score":-0.27786898612976074}],"sentiment":"neutral","sentiment_score":0.12116072443313897,"num_words":16,"start":987.37,"end":1001.985},{"sentences":[{"text":"Yeah.","start":1003.08496,"end":1003.58496,"sentiment":"neutral","sentiment_score":-0.2518633306026459},{"text":"No.","start":1005.18,"end":1005.68,"sentiment":"neutral","sentiment_score":-0.3095066249370575},{"text":"Definitely.","start":1006.94,"end":1007.44,"sentiment":"neutral","sentiment_score":0.03649473562836647},{"text":"Yep.","start":1012.86,"end":1013.36,"sentiment":"neutral","sentiment_score":0.08544743061065674},{"text":"No.","start":1016.155,"end":1016.655,"sentiment":"neutral","sentiment_score":-0.08734692633152008}],"sentiment":"neutral","sentiment_score":-0.10535494312644005,"num_words":5,"start":1003.08496,"end":1016.655},{"sentences":[{"text":"Yep.","start":1021.275,"end":1021.775,"sentiment":"neutral","sentiment_score":-0.040362343192100525},{"text":"Probably your accountant.","start":1030.01,"end":1031.0701,"sentiment":"neutral","sentiment_score":-0.04005181727310022},{"text":"Yeah.","start":1032.01,"end":1032.51,"sentiment":"neutral","sentiment_score":0.02951781451702118},{"text":"Yep.","start":1032.89,"end":1033.39,"sentiment":"neutral","sentiment_score":0.02781003527343273},{"text":"Yes.","start":1038.5701,"end":1039.0701,"sentiment":"neutral","sentiment_score":0.06278090178966522}],"sentiment":"neutral","sentiment_score":-0.005772720490183149,"num_words":7,"start":1021.275,"end":1039.0701},{"sentences":[{"text":"Yep.","start":1039.21,"end":1039.71,"sentiment":"neutral","sentiment_score":0.04846670478582382},{"text":"Yes.","start":1050.055,"end":1050.555,"sentiment":"neutral","sentiment_score":-0.06960443407297134},{"text":"Yes.","start":1052.055,"end":1052.555,"sentiment":"neutral","sentiment_score":0.030056903138756752},{"text":"Absolutely.","start":1053.29,"end":1053.79,"sentiment":"neutral","sentiment_score":0.1572853922843933},{"text":"So based on you earning a 120,000 per animal for the year, your contributions into your super fund as an employee of your company at 12% equates to about 14,400.","start":1054.49,"end":1067.71,"sentiment":"neutral","sentiment_score":0.10412228927016258}],"sentiment":"neutral","sentiment_score":0.09676097777179059,"num_words":34,"start":1039.21,"end":1067.71},{"sentences":[{"text":"Do you think that that would be adequate?","start":1068.005,"end":1069.8451,"sentiment":"neutral","sentiment_score":0.09436241444200277},{"text":"Do you think that you would be, as an employee of your own company, be receiving that kind of contribution in the super for the year for this next year?","start":1069.8451,"end":1079.145,"sentiment":"neutral","sentiment_score":0.021481246314942838},{"text":"A 100 and 20,012 percent.","start":1096.515,"end":1098.695,"sentiment":"neutral","sentiment_score":0.1130278691649437},{"text":"Yeah.","start":1098.835,"end":1099.335,"sentiment":"neutral","sentiment_score":0.12236514687538148},{"text":"Yeah.","start":1111.01,"end":1111.4099,"sentiment":"neutral","sentiment_score":0.07256824523210526}],"sentiment":"neutral","sentiment_score":0.04798687650925583,"num_words":45,"start":1068.005,"end":1111.4099},{"sentences":[{"text":"Well, the exponential year, the cap goes up to $32,500.","start":1111.4099,"end":1115.19,"sentiment":"neutral","sentiment_score":0.08340711146593094},{"text":"Yeah.","start":1117.905,"end":1118.405,"sentiment":"neutral","sentiment_score":0.029675591737031937},{"text":"No.","start":1137.76,"end":1138.26,"sentiment":"neutral","sentiment_score":-0.19583415985107425},{"text":"Not re not really.","start":1138.32,"end":1140.56,"sentiment":"neutral","sentiment_score":-0.2738267369568348},{"text":"The the employee because you're getting you're paying yourself as an employee, your company, I believe, can claim a tax deduction for what they're paying, but there's really no benefit to you.","start":1140.56,"end":1154.415,"sentiment":"neutral","sentiment_score":-0.08907966583501548}],"sentiment":"neutral","sentiment_score":-0.06829049391672015,"num_words":48,"start":1111.4099,"end":1154.415},{"sentences":[{"text":"Realistically, the the the deductible contribution is probably more of a tax benefit to you.","start":1154.715,"end":1160.53,"sentiment":"neutral","sentiment_score":0.2594478453199069},{"text":"But it also just is comfortable.","start":1160.91,"end":1162.4299,"sentiment":"positive","sentiment_score":0.39752169450124103},{"text":"Do you think with how your company is going that you would receive for the next year about 14,000 in contributions employment wise, or did you wanna just do you think you'll be maximizing the cap every year, and do we just factor in your contributions over the year at the full cap for $32,500?","start":1162.4299,"end":1181.395,"sentiment":"neutral","sentiment_score":0.14840669117190622},{"text":"Or did you want me just to allocate a smaller amount to contributions to sort of show with the advice how your super is tracking towards your retirement?","start":1181.535,"end":1191.11,"sentiment":"neutral","sentiment_score":0.0875240456578987},{"text":"Yeah.","start":1206.7849,"end":1207.2849,"sentiment":"neutral","sentiment_score":-0.005556346848607063}],"sentiment":"neutral","sentiment_score":0.16080316945555664,"num_words":105,"start":1154.715,"end":1207.2849},{"sentences":[{"text":"Mhmm.","start":1221.865,"end":1222.365,"sentiment":"neutral","sentiment_score":-0.011670989915728567},{"text":"Yeah.","start":1222.745,"end":1222.985,"sentiment":"neutral","sentiment_score":0.006595203652977943},{"text":"Some do.","start":1222.985,"end":1223.625,"sentiment":"neutral","sentiment_score":0.015283891931176182},{"text":"Yeah.","start":1223.625,"end":1224.125,"sentiment":"neutral","sentiment_score":0.004565026611089706},{"text":"Yeah.","start":1228.185,"end":1228.685,"sentiment":"neutral","sentiment_score":-0.002618735656142235}],"sentiment":"neutral","sentiment_score":0.004573048092424869,"num_words":6,"start":1221.865,"end":1228.685},{"sentences":[{"text":"Well, it does.","start":1242.04,"end":1242.8401,"sentiment":"neutral","sentiment_score":0.10316381230950356},{"text":"It puts more money into your super, and that benefits you because there's more money in your super.","start":1242.8401,"end":1248.635,"sentiment":"neutral","sentiment_score":0.13592541590332985},{"text":"But you'd have to check with your accountant to see if there's any kind of tax benefit on the other side or anything that your company can receive in reg in relation to that.","start":1249.335,"end":1258.235,"sentiment":"neutral","sentiment_score":-0.07611898026045631},{"text":"But do you do you think you'd be comfortable paying yourself 17%?","start":1259.67,"end":1263.5901,"sentiment":"neutral","sentiment_score":0.09820792513589065},{"text":"Do you wanna account for 17% employer contributions based on the income you're gonna receive or hoping to receive?","start":1263.5901,"end":1269.93,"sentiment":"neutral","sentiment_score":0.06147849069614159}],"sentiment":"neutral","sentiment_score":0.029240581618491992,"num_words":86,"start":1242.04,"end":1269.93},{"sentences":[{"text":"Yep.","start":1288.1799,"end":1288.6799,"sentiment":"neutral","sentiment_score":0.06686761230230331},{"text":"Yep.","start":1290.34,"end":1290.84,"sentiment":"neutral","sentiment_score":0.046946313232183456},{"text":"Perfect.","start":1291.5399,"end":1292.0399,"sentiment":"positive","sentiment_score":0.4478311538696289},{"text":"Yep.","start":1292.8999,"end":1293.3999,"sentiment":"neutral","sentiment_score":0.13787120580673218},{"text":"Absolutely.","start":1295.715,"end":1296.195,"sentiment":"positive","sentiment_score":0.5141887664794922}],"sentiment":"neutral","sentiment_score":0.242741010338068,"num_words":5,"start":1288.1799,"end":1296.195},{"sentences":[{"text":"And when you said regular income, what's a regular income to you?","start":1296.195,"end":1300.595,"sentiment":"neutral","sentiment_score":0.10452342902620633},{"text":"Is it 80,000, a 100,000, a 120,000?","start":1300.595,"end":1304.455,"sentiment":"neutral","sentiment_score":0.03528155280011041},{"text":"Yeah.","start":1309.41,"end":1309.91,"sentiment":"neutral","sentiment_score":0.00813975464552641},{"text":"Mhmm.","start":1323.425,"end":1323.925,"sentiment":"neutral","sentiment_score":0.007376907393336296},{"text":"Yeah.","start":1336.64,"end":1337.14,"sentiment":"neutral","sentiment_score":0.011296752840280533}],"sentiment":"neutral","sentiment_score":0.06945751967247236,"num_words":22,"start":1296.195,"end":1337.14},{"sentences":[{"text":"Yeah.","start":1349.535,"end":1350.035,"sentiment":"neutral","sentiment_score":0.03394430875778198},{"text":"Yes.","start":1350.0951,"end":1350.5751,"sentiment":"neutral","sentiment_score":0.0696340799331665},{"text":"Correct.","start":1350.5751,"end":1351.055,"sentiment":"neutral","sentiment_score":0.11486276239156724},{"text":"Yeah.","start":1351.055,"end":1351.375,"sentiment":"neutral","sentiment_score":0.13042736053466797},{"text":"That's okay.","start":1351.375,"end":1351.935,"sentiment":"neutral","sentiment_score":0.2178238034248352}],"sentiment":"neutral","sentiment_score":0.13075268641114235,"num_words":6,"start":1349.535,"end":1351.935},{"sentences":[{"text":"So for the advice, I just have to be able to allocate contributions as a dollar figure and also understand and allocate your income as a dollar figure.","start":1351.935,"end":1361.12,"sentiment":"neutral","sentiment_score":0.11743529167558465},{"text":"Are you comfortable with me noting your income as a 120,000 and considering contributions at 12%, which is the standard rate, which is 14,400 for the year.","start":1361.18,"end":1374.025,"sentiment":"neutral","sentiment_score":0.10705263898880393},{"text":"Yes.","start":1380.965,"end":1381.465,"sentiment":"neutral","sentiment_score":0.018952861428260803},{"text":"No.","start":1381.9,"end":1382.0599,"sentiment":"neutral","sentiment_score":-0.05429863929748535},{"text":"No.","start":1382.0599,"end":1382.3,"sentiment":"neutral","sentiment_score":-0.0552201010286808}],"sentiment":"neutral","sentiment_score":0.10496626794338226,"num_words":58,"start":1351.935,"end":1382.3},{"sentences":[{"text":"Correct.","start":1382.3,"end":1382.7,"sentiment":"neutral","sentiment_score":0.04510614275932312},{"text":"It's just that when we do advise, we need to obviously look at the projected outcome.","start":1382.7,"end":1387.92,"sentiment":"neutral","sentiment_score":0.04110175394453108},{"text":"And when we're looking at projected outcome, we take into account the contributions you're expecting to receive based on your current income.","start":1387.98,"end":1395.28,"sentiment":"neutral","sentiment_score":0.049166731875051155},{"text":"I can do it with no contributions, but then, obviously, the contributions are important to help your super grow investments.","start":1395.655,"end":1402.695,"sentiment":"neutral","sentiment_score":0.12047249097377062},{"text":"Can only do so much without additional contributions there.","start":1402.695,"end":1406.375,"sentiment":"neutral","sentiment_score":-0.0129796601831913}],"sentiment":"neutral","sentiment_score":0.05995639977867112,"num_words":68,"start":1382.3,"end":1406.375},{"sentences":[{"text":"So it is helpful to be able to look at your super, look at where it's tracking, and factor what average rate of contributions you should expect.","start":1406.375,"end":1413.96,"sentiment":"neutral","sentiment_score":0.10418538900989073},{"text":"So if you're Mhmm.","start":1415.0599,"end":1429.4149,"sentiment":"neutral","sentiment_score":0.09565987624228},{"text":"So you're happy?","start":1447.345,"end":1448.325,"sentiment":"neutral","sentiment_score":0.24162960549195608},{"text":"Yep.","start":1448.625,"end":1448.945,"sentiment":"neutral","sentiment_score":0.2123636305332184},{"text":"Okay.","start":1448.945,"end":1449.265,"sentiment":"neutral","sentiment_score":0.21508552134037015}],"sentiment":"neutral","sentiment_score":0.1207773049051563,"num_words":36,"start":1406.375,"end":1449.265},{"sentences":[{"text":"So we'll just we'll just factor in that each year between now and you're gonna try and maximize the contributions cap out every year.","start":1449.265,"end":1458.485,"sentiment":"neutral","sentiment_score":0.21860443955908218},{"text":"Yep.","start":1458.545,"end":1459.045,"sentiment":"neutral","sentiment_score":0.07502791285514832},{"text":"And are you gonna try and do that in a more tax effective way, so as a deductible contribution if possible?","start":1459.85,"end":1465.79,"sentiment":"neutral","sentiment_score":0.03777337535506203},{"text":"Yep.","start":1467.37,"end":1467.77,"sentiment":"neutral","sentiment_score":0.166032075881958},{"text":"Beautiful.","start":1467.77,"end":1468.27,"sentiment":"positive","sentiment_score":0.5135221481323242}],"sentiment":"neutral","sentiment_score":0.14154853268216053,"num_words":48,"start":1449.265,"end":1468.27},{"sentences":[{"text":"So what I would probably yep.","start":1469.53,"end":1471.6901,"sentiment":"neutral","sentiment_score":0.2538762539625168},{"text":"That's absolutely fine.","start":1471.6901,"end":1473.05,"sentiment":"positive","sentiment_score":0.47068046530087787},{"text":"Not a problem at all.","start":1473.05,"end":1474.125,"sentiment":"neutral","sentiment_score":0.24503444135189056},{"text":"So what I'll do is I will factor in contributions between now to the age of 60 because you're quite close to there.","start":1474.125,"end":1480.845,"sentiment":"neutral","sentiment_score":0.09351489514760349},{"text":"Look at the investments inside of it, and we'll just factor contributions up to the cap.","start":1480.845,"end":1485.985,"sentiment":"neutral","sentiment_score":0.10288908844813704}],"sentiment":"neutral","sentiment_score":0.15014224773589172,"num_words":53,"start":1469.53,"end":1485.985},{"sentences":[{"text":"It's not a not about the tax component, just sort of projecting what your sleep is expected to do based on the changes in the investments, the returns that we see, the fees that we have, and you maximizing the cap every year to show you what the outcome should be at age 60.","start":1487.2699,"end":1502.205,"sentiment":"neutral","sentiment_score":0.08778649492672196},{"text":"Does that sound fine?","start":1502.205,"end":1503.345,"sentiment":"neutral","sentiment_score":0.08496439643204212},{"text":"Yep.","start":1504.6849,"end":1505.1849,"sentiment":"neutral","sentiment_score":0.17331358790397644},{"text":"Beautiful.","start":1505.245,"end":1505.745,"sentiment":"positive","sentiment_score":0.654907763004303},{"text":"I love it.","start":1506.365,"end":1507.005,"sentiment":"positive","sentiment_score":0.7051952679951986}],"sentiment":"neutral","sentiment_score":0.12736722962960365,"num_words":63,"start":1487.2699,"end":1507.005},{"sentences":[{"text":"Excellent.","start":1507.005,"end":1507.505,"sentiment":"positive","sentiment_score":0.5963893532752991},{"text":"That's okay.","start":1507.645,"end":1508.205,"sentiment":"positive","sentiment_score":0.38480623066425323},{"text":"We just wanted to clarify so I had the right information.","start":1508.205,"end":1510.945,"sentiment":"neutral","sentiment_score":0.1082747070626779},{"text":"Wanted to give you the document so you understood it.","start":1511.1649,"end":1513.565,"sentiment":"neutral","sentiment_score":0.022400489822030068},{"text":"I wanna give you the numbers and you go, hey.","start":1513.565,"end":1515.565,"sentiment":"neutral","sentiment_score":0.01440563090145588}],"sentiment":"neutral","sentiment_score":0.08603190586847417,"num_words":34,"start":1507.005,"end":1515.565},{"sentences":[{"text":"That just doesn't make sense.","start":1515.565,"end":1517.1649,"sentiment":"neutral","sentiment_score":-0.07886103466153145},{"text":"So just clarifying what it is that you're hoping or expecting out of your employment.","start":1517.1649,"end":1521.6399,"sentiment":"neutral","sentiment_score":0.0037509095777447025},{"text":"That's all.","start":1521.7,"end":1522.34,"sentiment":"neutral","sentiment_score":0.023384839296340942},{"text":"Okay.","start":1522.34,"end":1522.84,"sentiment":"neutral","sentiment_score":0.11221597343683244},{"text":"Beautiful.","start":1524.26,"end":1524.76,"sentiment":"positive","sentiment_score":0.445935994386673}],"sentiment":"neutral","sentiment_score":0.011120004865612524,"num_words":24,"start":1515.565,"end":1524.76},{"sentences":[{"text":"Look.","start":1524.82,"end":1525.0599,"sentiment":"positive","sentiment_score":0.3564593195915222},{"text":"That is everything I needed to go through.","start":1525.0599,"end":1526.82,"sentiment":"neutral","sentiment_score":0.2813036013394594},{"text":"I'll go back and do that research for you and come up with an advice document in a few weeks.","start":1526.82,"end":1530.82,"sentiment":"neutral","sentiment_score":0.22045550122857094},{"text":"If you have any questions in the meantime, Christie, please let me know.","start":1530.82,"end":1534.225,"sentiment":"neutral","sentiment_score":0.1379975275351451},{"text":"But thank you for your time.","start":1534.225,"end":1535.265,"sentiment":"neutral","sentiment_score":0.33191193143526715}],"sentiment":"neutral","sentiment_score":0.22502995003014803,"num_words":48,"start":1524.82,"end":1535.265},{"sentences":[{"text":"I know it has been a long call, and I appreciate that.","start":1535.265,"end":1538.005,"sentiment":"neutral","sentiment_score":0.24774914359052977},{"text":"Is there any other questions or anything else that might have come up in the meantime that you wanna ask me at all?","start":1538.705,"end":1543.845,"sentiment":"neutral","sentiment_score":0.08091973983075308},{"text":"No.","start":1547.2,"end":1547.6799,"sentiment":"neutral","sentiment_score":-0.006074858829379082},{"text":"That's okay.","start":1547.6799,"end":1548.58,"sentiment":"neutral","sentiment_score":0.04909835755825043},{"text":"All good.","start":1549.44,"end":1550.1799,"sentiment":"neutral","sentiment_score":0.1593663953244686}],"sentiment":"neutral","sentiment_score":0.13112495965324342,"num_words":40,"start":1535.265,"end":1550.1799},{"sentences":[{"text":"Absolutely.","start":1552.48,"end":1552.98,"sentiment":"neutral","sentiment_score":0.28908777236938477},{"text":"In the meantime, your annual review pack is in there for you.","start":1553.28,"end":1556.0,"sentiment":"neutral","sentiment_score":0.33051009476184845},{"text":"Feel free to have a look, and if you can sign and return that back, that'd be absolutely amazing.","start":1556.0,"end":1560.26,"sentiment":"positive","sentiment_score":0.4074501426596391},{"text":"Okay.","start":1560.48,"end":1560.98,"sentiment":"neutral","sentiment_score":0.16582325100898743},{"text":"Thank you.","start":1562.505,"end":1562.9851,"sentiment":"positive","sentiment_score":0.5168350040912628}],"sentiment":"positive","sentiment_score":0.37703585369246345,"num_words":35,"start":1552.48,"end":1562.9851},{"sentences":[{"text":"It's been a no problem.","start":1562.9851,"end":1564.505,"sentiment":"positive","sentiment_score":0.33931623995304105},{"text":"Thank you for your time.","start":1564.505,"end":1565.4651,"sentiment":"positive","sentiment_score":0.8559175968170166},{"text":"It's been a pleasure.","start":1565.4651,"end":1566.3451,"sentiment":"positive","sentiment_score":0.7809915989637375},{"text":"I hope you have a relaxing evening.","start":1566.3451,"end":1568.285,"sentiment":"positive","sentiment_score":0.8030160750661578},{"text":"Thank you.","start":1571.7949,"end":1572.355,"sentiment":"positive","sentiment_score":0.7348093688488007}],"sentiment":"positive","sentiment_score":0.7039507322985193,"num_words":23,"start":1562.9851,"end":1572.355},{"sentences":[{"text":"I'll talk to you soon, Christie.","start":1572.355,"end":1573.715,"sentiment":"positive","sentiment_score":0.5474205215771993},{"text":"Have a good night.","start":1573.715,"end":1574.695,"sentiment":"positive","sentiment_score":0.6491081118583679},{"text":"Alright.","start":1575.955,"end":1576.4349,"sentiment":"neutral","sentiment_score":0.20040766894817352},{"text":"See you later.","start":1576.4349,"end":1577.075,"sentiment":"neutral","sentiment_score":0.30286585291226703},{"text":"Bye.","start":1577.075,"end":1577.575,"sentiment":"neutral","sentiment_score":0.14499841630458832}],"sentiment":"positive","sentiment_score":0.475663948059082,"num_words":15,"start":1572.355,"end":1577.575}]}}]},{"alternatives":[{"transcript":"If you record your name and reason for calling, I'll see if this person is available. Hi, Dana. Oh, yeah. I don't know what happened. Yes. You can. Self employed totally self employed is since, I think November 14. Yes. I've been in the same industry since 2021. Yes. 2021, I was a support worker for less than one year, and then, yeah, then moved to the office, a main role, and then started support coordinator around April 2022. No. Bancorp? No. No. I've done the support coordinator course at support coordination academy. Yep. Okay. I sometimes will need to travel to do the home visits to meet the clients, and sometimes will need to go to the local area coordinator office, to attend the meetings. But I don't travel long distance because I don't like long distance driving. Anywhere over thirty minutes drive, I will do pick the either the video conference or a carpool. I take other's car at the meeting point. I don't like driving long distance. Yeah. No. No. No. No. No. The one is enough. Yes. Oh, we've just came back for one month. Overseas trips, not planned at the moment, but we we are going to a few like, a weekend getaway to. Yeah. Yeah. During the weekend, I try to get myself away from my computer, away from my co my work. I like to I like to go to the beach. And, also, they I enjoy the gourmet food. Yeah. Yeah. What else? Just I don't drink I don't drink alcohol. I'm allergic to yeah. I'm allergic to drinking alcohol, so protect myself. This this allergy protects myself. Yeah. No. I hate cigarettes too. I hate smoking. Yeah. I wish I had. No. I put on some weight. Throughout this five years, I put on some weight, but I wish I had lost. Okay. Yep. No. No. No. No. No. No. No. No. Below 60, no. Anything else? No. Yes. No. No. No. No. No. No. No. No. I I think I've gone through this question around how many years fifteen, twenty years ago. I had removed a a fat what's that called? An exercise exercise fatty cyst or something near my near my the the you know, the bone near the neck, the the right hand side? It's been taken off. It's not cancer or something. It's just cosmetic removal. It doesn't look like good with an egg. It's something like an egg on on there. So it was taken. Yeah. A little bit long, but it's big. Yeah. Yeah. It's big. But it's removed and never have any issue afterwards. No. Just say surgery. Yeah. No. Yeah. No. I don't have any medical condition. No. No. Mhmm. Mhmm. Sure. Yes. Yes. And, also, could you please check if the benefit is, say, 10 a 100,000, not a 120,000 per year. Yeah. Yeah. Yeah. Yep. Yep. Thank you. Mhmm. Yes. I have. Two years ago, she sent me the forms to fill out, but I haven't got the chance to fill them out. Yes. Yep. Yep. Yep. Yes. Okay. Okay. Yeah. Will do. Mhmm. Yes. Yep. Yes. Yep. Okay. Sure. Yes. I'm planning to. Today, I just had a Xero demo. I'm still figuring out how to put on the how to set up the payroll. Yeah. Yeah. So and I haven't sent out any invoicing for my new company yet. I want to put them put them on hold till July 1. Yeah. Just make the accounts clear. Yes. Yes. Accurate as a growth growth figure or growth figure. Mhmm. I think before tax before tax. Yeah. Yeah. And I yeah. I I probably leaving some like, I'm I'm not paying the a 100% of the company income to my as my wage because that doesn't make sense to set up a company. Yeah. Because I yeah. I I I have no problem with the cash flow, so I don't have much to spend. So I might leave some money in the under the company account and just pay yeah. Yeah. Depending on the, you know, the tax wise amount of my yeah. Of of my like, a set a a reasonable level of wage to myself. Yeah. And not paying a 100%. Yeah. But not to underpay myself or overpay. Just a a medium range. Yeah. So Mhmm. Yeah. Well, at at least paying oh, say sorry. You mean, out of the 12,000, it's 12%. Super. I could always contribute self contribute to top it up to the $30. Right? Oh, yeah. Yeah. Yeah. I can, you know, you know, I can make the self contribution. And is there any, like, employer contribution benefits? If if the is my company paying over 12%, is there any concession like, any benefits out of that? Not really. Yeah. Maybe too complicated question for me. Yeah. I think I will just pay myself a medium range of wage, and then the company pay for the the compulsory percentage. Since the government is paying their stuff over 12%, but you you just yeah. They they pay 17 something percent. But you you just said, like, increase the percentage of the company paying my super doesn't really help me too much. Yes. Yep. I might I I might I might just, you know, pay the regular wage regular percentage of super. And if I need, I just top it up to the maximum limit per year. That might be, like, more flexible for myself. Regular wage is depend depending on the like, after after expenses of my rental income. And I I just want to control my income not going to the next level next level next level income tax tier. Yeah. And then and then I will need to pay, like what's that called? The Medicare levy or something? Yeah. Yeah. Just it it it's just, like, estimated figure. Right? It's no commitment. Right? Okay. Yeah. Well, just make it to the the maximum limit. I think I will be I will most likely self contribute, like, this year do. Yep. Just like I don't know the figure or percentage or wage number wage amount. I haven't decided yet. But, for the super contribution per year, I think I will just top it up to the maximum at the end. Yeah. Mhmm. Yep. Yep. Yep. Yep. Yep. Mhmm. Yes. Yes. Yes. That sounds good. Yeah. Yeah. Mhmm. Yep. Okay. Not really. I will reach out if I come up with any questions. Okay. Thank you so much for your time. I hope so. Thank you. Thank you. You too. Bye. 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you record your name and reason for calling, I'll see if this person is available. Hi, Dana. Oh, yeah. I don't know what happened. Yes.\n\nYou can. Self employed totally self employed is since, I think November 14. Yes. I've been in the same industry since 2021. Yes.\n\n2021, I was a support worker for less than one year, and then, yeah, then moved to the office, a main role, and then started support coordinator around April 2022. No. Bancorp? No. No.\n\nI've done the support coordinator course at support coordination academy. Yep. Okay. I sometimes will need to travel to do the home visits to meet the clients, and sometimes will need to go to the local area coordinator office, to attend the meetings. But I don't travel long distance because I don't like long distance driving.\n\nAnywhere over thirty minutes drive, I will do pick the either the video conference or a carpool. I take other's car at the meeting point. I don't like driving long distance. Yeah. No.\n\nNo. No. No. No. The one is enough.\n\nYes. Oh, we've just came back for one month. Overseas trips, not planned at the moment, but we we are going to a few like, a weekend getaway to. Yeah. Yeah.\n\nDuring the weekend, I try to get myself away from my computer, away from my co my work. I like to I like to go to the beach. And, also, they I enjoy the gourmet food. Yeah. Yeah.\n\nWhat else? Just I don't drink I don't drink alcohol. I'm allergic to yeah. I'm allergic to drinking alcohol, so protect myself. This this allergy protects myself.\n\nYeah. No. I hate cigarettes too. I hate smoking. Yeah.\n\nI wish I had. No. I put on some weight. Throughout this five years, I put on some weight, but I wish I had lost. Okay.\n\nYep. No. No. No. No.\n\nNo. No. No. No. Below 60, no.\n\nAnything else? No. Yes. No. No.\n\nNo. No. No. No. No.\n\nNo. I I think I've gone through this question around how many years fifteen, twenty years ago. I had removed a a fat what's that called? An exercise exercise fatty cyst or something near my near my the the you know, the bone near the neck, the the right hand side? It's been taken off.\n\nIt's not cancer or something. It's just cosmetic removal. It doesn't look like good with an egg. It's something like an egg on on there. So it was taken.\n\nYeah. A little bit long, but it's big. Yeah. Yeah. It's big.\n\nBut it's removed and never have any issue afterwards. No. Just say surgery. Yeah. No.\n\nYeah. No. I don't have any medical condition. No. No.\n\nMhmm. Mhmm. Sure. Yes. Yes.\n\nAnd, also, could you please check if the benefit is, say, 10 a 100,000, not a 120,000 per year. Yeah. Yeah. Yeah. Yep.\n\nYep. Thank you. Mhmm. Yes. I have.\n\nTwo years ago, she sent me the forms to fill out, but I haven't got the chance to fill them out. Yes. Yep. Yep. Yep.\n\nYes. Okay. Okay. Yeah. Will do.\n\nMhmm. Yes. Yep. Yes. Yep.\n\nOkay. Sure. Yes. I'm planning to. Today, I just had a Xero demo.\n\nI'm still figuring out how to put on the how to set up the payroll. Yeah. Yeah. So and I haven't sent out any invoicing for my new company yet. I want to put them put them on hold till July 1.\n\nYeah. Just make the accounts clear. Yes. Yes. Accurate as a growth growth figure or growth figure.\n\nMhmm. I think before tax before tax. Yeah. Yeah. And I yeah.\n\nI I probably leaving some like, I'm I'm not paying the a 100% of the company income to my as my wage because that doesn't make sense to set up a company. Yeah. Because I yeah. I I I have no problem with the cash flow, so I don't have much to spend. So I might leave some money in the under the company account and just pay yeah.\n\nYeah. Depending on the, you know, the tax wise amount of my yeah. Of of my like, a set a a reasonable level of wage to myself. Yeah. And not paying a 100%.\n\nYeah. But not to underpay myself or overpay. Just a a medium range. Yeah. So Mhmm.\n\nYeah. Well, at at least paying oh, say sorry. You mean, out of the 12,000, it's 12%. Super. I could always contribute self contribute to top it up to the $30.\n\nRight? Oh, yeah. Yeah. Yeah. I can, you know, you know, I can make the self contribution.\n\nAnd is there any, like, employer contribution benefits? If if the is my company paying over 12%, is there any concession like, any benefits out of that? Not really. Yeah. Maybe too complicated question for me.\n\nYeah. I think I will just pay myself a medium range of wage, and then the company pay for the the compulsory percentage. Since the government is paying their stuff over 12%, but you you just yeah. They they pay 17 something percent. But you you just said, like, increase the percentage of the company paying my super doesn't really help me too much.\n\nYes. Yep. I might I I might I might just, you know, pay the regular wage regular percentage of super. And if I need, I just top it up to the maximum limit per year. That might be, like, more flexible for myself.\n\nRegular wage is depend depending on the like, after after expenses of my rental income. And I I just want to control my income not going to the next level next level next level income tax tier. Yeah. And then and then I will need to pay, like what's that called? The Medicare levy or something?\n\nYeah. Yeah. Just it it it's just, like, estimated figure. Right? It's no commitment.\n\nRight? Okay. Yeah. Well, just make it to the the maximum limit. I think I will be I will most likely self contribute, like, this year do.\n\nYep. Just like I don't know the figure or percentage or wage number wage amount. I haven't decided yet. But, for the super contribution per year, I think I will just top it up to the maximum at the end. Yeah.\n\nMhmm. Yep. Yep. Yep. Yep.\n\nYep. Mhmm. Yes. Yes. Yes.\n\nThat sounds good. Yeah. Yeah. Mhmm. Yep.\n\nOkay. Not really. I will reach out if I come up with any questions. Okay. Thank you so much for your time.\n\nI hope so. Thank you. Thank you. You too. Bye.\n\nBye.","paragraphs":[{"sentences":[{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.16,"end":4.34,"sentiment":"neutral","sentiment_score":0.014682157954666764},{"text":"Hi, Dana.","start":14.08,"end":14.9,"sentiment":"neutral","sentiment_score":-0.007105596363544464},{"text":"Oh, yeah.","start":17.494999,"end":18.455,"sentiment":"neutral","sentiment_score":-0.19827990978956223},{"text":"I don't know what happened.","start":18.455,"end":19.994999,"sentiment":"neutral","sentiment_score":-0.26005941033363345},{"text":"Yes.","start":25.654999,"end":26.154999,"sentiment":"neutral","sentiment_score":-0.03607497736811638}],"sentiment":"neutral","sentiment_score":-0.05816263515645495,"num_words":26,"start":0.16,"end":26.154999},{"sentences":[{"text":"You can.","start":26.295,"end":27.035,"sentiment":"neutral","sentiment_score":0.011964950710535048},{"text":"Self employed totally self employed is since, I think November 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commitment.","start":1379.91,"end":1380.8099,"sentiment":"neutral","sentiment_score":-0.0233126701011012}],"sentiment":"neutral","sentiment_score":0.04245313238685152,"num_words":14,"start":1351.72,"end":1380.8099},{"sentences":[{"text":"Right?","start":1380.95,"end":1381.45,"sentiment":"neutral","sentiment_score":0.01203921064734459},{"text":"Okay.","start":1407.39,"end":1407.89,"sentiment":"neutral","sentiment_score":0.13692274689674375},{"text":"Yeah.","start":1414.725,"end":1415.2051,"sentiment":"neutral","sentiment_score":0.08562569320201874},{"text":"Well, just make it to the the maximum limit.","start":1415.2051,"end":1418.665,"sentiment":"neutral","sentiment_score":0.1146352274550332},{"text":"I think I will be I will most likely self contribute, like, this year 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sounds good.","start":1504.7051,"end":1505.745,"sentiment":"positive","sentiment_score":0.47644083698590595},{"text":"Yeah.","start":1505.745,"end":1506.245,"sentiment":"positive","sentiment_score":0.5321716070175171},{"text":"Yeah.","start":1511.63,"end":1512.13,"sentiment":"neutral","sentiment_score":0.03325538709759712},{"text":"Mhmm.","start":1517.95,"end":1518.45,"sentiment":"neutral","sentiment_score":0.021255016326904297},{"text":"Yep.","start":1522.83,"end":1523.33,"sentiment":"neutral","sentiment_score":0.11794712394475936}],"sentiment":"neutral","sentiment_score":0.30485023504921366,"num_words":7,"start":1504.7051,"end":1523.33},{"sentences":[{"text":"Okay.","start":1523.47,"end":1523.97,"sentiment":"neutral","sentiment_score":0.22834137082099917},{"text":"Not really.","start":1545.8099,"end":1546.71,"sentiment":"neutral","sentiment_score":-0.021816364489495754},{"text":"I will reach out if I come up with any questions.","start":1548.9299,"end":1551.6699,"sentiment":"neutral","sentiment_score":0.1362841413779692},{"text":"Okay.","start":1561.125,"end":1561.625,"sentiment":"neutral","sentiment_score":0.2016376554965973},{"text":"Thank you so much for your time.","start":1561.685,"end":1563.385,"sentiment":"positive","sentiment_score":0.45376674618039814}],"sentiment":"neutral","sentiment_score":0.23008359435268425,"num_words":22,"start":1523.47,"end":1563.385},{"sentences":[{"text":"I hope so.","start":1569.25,"end":1570.23,"sentiment":"positive","sentiment_score":0.6373936931292216},{"text":"Thank you.","start":1570.29,"end":1571.11,"sentiment":"positive","sentiment_score":0.7488346993923187},{"text":"Thank you.","start":1574.69,"end":1575.25,"sentiment":"positive","sentiment_score":0.7072417736053467},{"text":"You too.","start":1575.25,"end":1575.8099,"sentiment":"positive","sentiment_score":0.4337894171476364},{"text":"Bye.","start":1575.8099,"end":1576.3099,"sentiment":"neutral","sentiment_score":0.2639109492301941}],"sentiment":"positive","sentiment_score":0.5955823808908463,"num_words":10,"start":1569.25,"end":1576.3099},{"sentences":[{"text":"Bye.","start":1577.65,"end":1578.15,"sentiment":"neutral","sentiment_score":-0.11715014278888702}],"sentiment":"neutral","sentiment_score":-0.11715014278888702,"num_words":1,"start":1577.65,"end":1578.15}]}}]}],"paragraphs":{"transcript":"\nChannel 1: If you record your name and reason for calling, I'll see if this person is available.\n\nChannel 0: Dana, Ooku Financial.\n\nChannel 1: Hi, Dana.\n\nChannel 0: Hi, Christie. I lost you. I'm so sorry.\n\nChannel 1: Oh, yeah. I don't know what happened.\n\nChannel 0: No. That's absolutely fine. I thought I'd give you a quick callback, and hopefully, I could grab you. I'm so, so sorry\n\nChannel 1: Yes.\n\nChannel 0: about that.\n\nChannel 1: You can.\n\nChannel 0: Just wanted to reconfirm with your self employed. How long have you been self employed for?\n\nChannel 1: Self employed totally self employed is since, I think November 14.\n\nChannel 0: Okay. Beautiful. And before that, were you working in the same sort of industry?\n\nChannel 1: Yes.\n\nChannel 0: Yep.\n\nChannel 1: I've\n\nChannel 0: Okay.\n\nChannel 1: been in the same industry since 2021.\n\nChannel 0: Okay. Beautiful. So 2021 is when you started the industry. Beautiful. And just having a look.\n\nSo I've got you down. You're technically what would you consider your role to be technically? Would you say support coordinator still?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. And you were in this had the same sort of title from 2021 in your previous role?\n\nChannel 1: 2021, I was a support worker\n\nChannel 0: Okay.\n\nChannel 1: for less than one year, and then,\n\nChannel 0: Yep.\n\nChannel 1: yeah, then moved to the office, a main role, and\n\nChannel 0: Yep.\n\nChannel 1: then started support coordinator around April 2022.\n\nChannel 0: Yep. 2022. Beautiful. Thank you for updating that. Have you ever been bankrupt on a part nine debt agreement at all?\n\nI'd say probably not.\n\nChannel 1: No.\n\nChannel 0: No.\n\nChannel 1: Bancorp?\n\nChannel 0: Beautiful. Yeah.\n\nChannel 1: No. No.\n\nChannel 0: No. Beautiful. Fantastic. Do you have any specific qualifications to be able to do your role? I've got down here that you've got a master's degree in business admin and a specific degree in individual support.\n\nDo you have any other qualifications I should note down?\n\nChannel 1: I've done the support coordinator course at support coordination academy.\n\nChannel 0: Yep. Yep. Perfect. Thank you for that. Excellent.\n\nChannel 1: Yep. Okay.\n\nChannel 0: And I've got your duties down, which is fine. Do you do much in the way of domestic travel with regard to your role? Is do you sort of work in the local area, or do you travel out to sort of support your clients to the NDIS?\n\nChannel 1: I sometimes will need to travel to\n\nChannel 0: Yeah.\n\nChannel 1: do the home visits to meet the\n\nChannel 0: Okay.\n\nChannel 1: clients, and\n\nChannel 0: Yep.\n\nChannel 1: sometimes will need to go to the local area coordinator office,\n\nChannel 0: Okay.\n\nChannel 1: to attend the meetings. But I don't travel long distance because I don't like long distance driving. Anywhere over thirty minutes drive, I will do\n\nChannel 0: Yep.\n\nChannel 1: pick the either the video conference or a carpool.\n\nChannel 0: Yep. Yep.\n\nChannel 1: I take other's car\n\nChannel 0: Nice.\n\nChannel 1: at\n\nChannel 0: You get\n\nChannel 1: the meeting\n\nChannel 0: them to drive.\n\nChannel 1: point. I don't like driving\n\nChannel 0: I love that.\n\nChannel 1: long distance.\n\nChannel 0: That's absolutely fine. That is absolutely fine. Not a problem at all. Now the next one here is do you do any hazardous activities? I honestly don't think you would do anything hazardous in your role.\n\nChannel 1: Yeah.\n\nChannel 0: You\n\nChannel 1: No.\n\nChannel 0: know, work at major heights or get on roofs or anything strange?\n\nChannel 1: No.\n\nChannel 0: All good. You only have technically one job. You don't have a secondary job on the side or anything or not not planning to have a secondary job or a secondary business\n\nChannel 1: No.\n\nChannel 0: at the moment? No.\n\nChannel 1: No. No.\n\nChannel 0: Beautiful.\n\nChannel 1: The\n\nChannel 0: Do\n\nChannel 1: one\n\nChannel 0: you have\n\nChannel 1: is\n\nChannel 0: any\n\nChannel 1: enough.\n\nChannel 0: what is enough? Working enough hours.\n\nChannel 1: Yes.\n\nChannel 0: Do you do you have any overseas holidays planned for this year at all?\n\nChannel 1: Oh, we've just came back for one\n\nChannel 0: That's\n\nChannel 1: month.\n\nChannel 0: yep. That's okay. So nothing else booked in the next twelve months. That's okay.\n\nChannel 1: Overseas trips,\n\nChannel 0: Yeah.\n\nChannel 1: not planned at the moment,\n\nChannel 0: Okay.\n\nChannel 1: but we we are going to a few like, a weekend getaway to.\n\nChannel 0: Nice. Lovely. That'll be\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: fantastic. I know you're very busy with work, but do you have any hobbies or pastimes? Do you play any sports outside of work? It doesn't sound like you have any time for that.\n\nChannel 1: During the weekend, I try to get myself away from my computer, away from my co my work.\n\nChannel 0: Yes.\n\nChannel 1: I like to I like to go to the beach.\n\nChannel 0: Lovely.\n\nChannel 1: And, also, they I enjoy the gourmet food.\n\nChannel 0: Lovely.\n\nChannel 1: Yeah. Yeah. What else?\n\nChannel 0: Do you\n\nChannel 1: Just\n\nChannel 0: drink do you have a few babies in the weekend? A couple of wines or a drink or two?\n\nChannel 1: I don't drink I don't\n\nChannel 0: Don't\n\nChannel 1: drink\n\nChannel 0: drink?\n\nChannel 1: alcohol. I'm\n\nChannel 0: Wow.\n\nChannel 1: allergic\n\nChannel 0: You are good.\n\nChannel 1: to yeah.\n\nChannel 0: Really?\n\nChannel 1: I'm allergic to drinking alcohol,\n\nChannel 0: Wow.\n\nChannel 1: so protect myself.\n\nChannel 0: Yes.\n\nChannel 1: This\n\nChannel 0: Absolutely.\n\nChannel 1: this allergy protects myself.\n\nChannel 0: Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: Look. This next question is a little bit of a weird one, but have you ever taken illegal or illicit illicit drugs before?\n\nChannel 1: No.\n\nChannel 0: Beautiful. I love\n\nChannel 1: I\n\nChannel 0: that.\n\nChannel 1: hate cigarettes too. I\n\nChannel 0: Fantastic.\n\nChannel 1: hate smoking.\n\nChannel 0: I I've got you down as a nonsmoker here. That's fantastic.\n\nChannel 1: Yeah.\n\nChannel 0: Have you lost any large sums of weight, so more than 10 kilos over the past twelve months at all?\n\nChannel 1: I wish I had.\n\nChannel 0: That's okay.\n\nChannel 1: No. I put on some weight.\n\nChannel 0: Yeah. That's\n\nChannel 1: Throughout\n\nChannel 0: okay.\n\nChannel 1: this five years,\n\nChannel 0: Yes.\n\nChannel 1: I put on\n\nChannel 0: Yep.\n\nChannel 1: some weight, but\n\nChannel 0: That's it's\n\nChannel 1: I\n\nChannel 0: you've\n\nChannel 1: wish\n\nChannel 0: had\n\nChannel 1: I\n\nChannel 0: a lot\n\nChannel 1: had lost.\n\nChannel 0: going on. Yeah. That's okay. The next couple of questions here are just about your medical history, so your family history and yours. The first few are about your family history.\n\nThey're just wanting to find out if there's been any major conditions or major diagnoses in your family from your mother, father, brother, or sister before the age of 60. If anyone's being diagnosed with any of these after 60, they don't need to worry about it. It's just if they have been diagnosed or suffered any of the below before 60. Is this the list? I'll go through them.\n\nAsk each one if you can just say yes or no. Okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: The first one here is heart disease, heart attack, or stroke.\n\nChannel 1: No.\n\nChannel 0: No. Multiple sclerosis, Parkinson's, or Alzheimer's?\n\nChannel 1: No.\n\nChannel 0: Muscular dystrophy, Huntington's or motor neurons disease? No. Any bowel cancer or melanoma?\n\nChannel 1: No. No.\n\nChannel 0: Any polycystic kidney disease?\n\nChannel 1: No.\n\nChannel 0: Any breast cancer?\n\nChannel 1: No.\n\nChannel 0: Any mental health condition?\n\nChannel 1: No.\n\nChannel 0: No. Any cardio or myopathies? Anything of the heart?\n\nChannel 1: No.\n\nChannel 0: Nope. Any diabetes?\n\nChannel 1: Below 60, no.\n\nChannel 0: Beautiful. And anything else before the age of 60 that we haven't quite covered?\n\nChannel 1: Anything else?\n\nChannel 0: Yeah.\n\nChannel 1: No.\n\nChannel 0: No. Beautiful. Excellent. Your family is nice and healthy, and we like that. That's fantastic.\n\nChannel 1: Yes.\n\nChannel 0: The next one here is about yourself. So, again, it's a very similar list, but just asking if you have suffered short treatment or been diagnosed with any of the following ever in your lifetime. So have you ever had stress, anxiety, depression, or any mental health that you've been diagnosed for or sought treatment\n\nChannel 1: No.\n\nChannel 0: for?\n\nChannel 1: No.\n\nChannel 0: No?\n\nChannel 1: No.\n\nChannel 0: Any skin cancers, tumors, lesions, cysts, or moles?\n\nChannel 1: No.\n\nChannel 0: No. Any back or neck pain, any sciatica, spondylitis? Nope. Any bone fractures or ligaments or issues with your tendons or arthritis?\n\nChannel 1: No. No.\n\nChannel 0: Nope. I do apologize. The next one is a bit sensitive, but any HIV, hep b, or c? Nope. Any heart conditions or blood conditions?\n\nChannel 1: No. No.\n\nChannel 0: Any previous surgeries?\n\nChannel 1: I I think I've gone through this question around how many years fifteen, twenty years ago.\n\nChannel 0: Yep.\n\nChannel 1: I had removed a a fat what's that called? An exercise\n\nChannel 0: Okay.\n\nChannel 1: exercise fatty cyst or something\n\nChannel 0: Okay. Yep.\n\nChannel 1: near my near my the the you know, the bone near the neck,\n\nChannel 0: Yes.\n\nChannel 1: the the right hand side? It's been taken\n\nChannel 0: Yes.\n\nChannel 1: off. It's not cancer or something. It's just\n\nChannel 0: Okay.\n\nChannel 1: cosmetic\n\nChannel 0: Yep.\n\nChannel 1: removal. It doesn't look like good with an egg. It's something\n\nChannel 0: No. That's\n\nChannel 1: like\n\nChannel 0: okay.\n\nChannel 1: an egg on on there.\n\nChannel 0: It was a\n\nChannel 1: So\n\nChannel 0: a bit of\n\nChannel 1: it\n\nChannel 0: a\n\nChannel 1: was\n\nChannel 0: lump?\n\nChannel 1: taken.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: A\n\nChannel 0: Yep.\n\nChannel 1: little bit long, but\n\nChannel 0: Yep.\n\nChannel 1: it's\n\nChannel 0: That's\n\nChannel 1: big.\n\nChannel 0: okay.\n\nChannel 1: Yeah. Yeah. It's big.\n\nChannel 0: Lovely.\n\nChannel 1: But it's removed and never\n\nChannel 0: Okay.\n\nChannel 1: have any\n\nChannel 0: Yep.\n\nChannel 1: issue afterwards.\n\nChannel 0: Fantastic. And you didn't have any time off or no follow ups?\n\nChannel 1: No. Just\n\nChannel 0: Everything was\n\nChannel 1: say\n\nChannel 0: done?\n\nChannel 1: surgery.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Day surgery. Lovely. Well, I'm glad nothing came back from that, and it sounds awful.\n\nChannel 1: No.\n\nChannel 0: I'm glad it's gone.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. The next one here is any cancer. There's no.\n\nChannel 1: No.\n\nChannel 0: No. Excellent. The next one is asthma or respiratory condition.\n\nChannel 1: I don't have any medical condition.\n\nChannel 0: Fantastic. No high blood pressure or high cholesterol.\n\nChannel 1: No.\n\nChannel 0: No. Beautiful. Any skin conditions or diabetes or thyroid conditions.\n\nChannel 1: No.\n\nChannel 0: Beautiful. That is the whole questionnaire. We just had to maybe look look at that again just to sort of confirm that there's, you know, nothing flagged there. Realistically, the what you have kinda told me should already be on your current application. So going forward and increasing your trauma policy, I don't foresee any issues with that.\n\nThere's no additional loadings or spoons we should see there. So what I'll do is I can go back as part of the advice. I'll just review your current policy, look at, you know, what the cost is to increase that to a 120,000. I can look at the policy you have now and also any other providers to see what the policies look like, the best terms might be, the costing, what they\n\nChannel 1: Mhmm.\n\nChannel 0: offer as well, because it's not just about what you pay for the policy, but, you know, what might be inside the policy that works for you.\n\nChannel 1: Mhmm.\n\nChannel 0: And then we can\n\nChannel 1: Sure.\n\nChannel 0: update the recommendation, and it's up to you whether you take it or not. But I'll show you what it looks like, the cost, the advantages, disadvantages, and the risks. Is that okay, Christie?\n\nChannel 1: Yes. Yes. And, also,\n\nChannel 0: Yep.\n\nChannel 1: could you please check if the benefit is, say, 10 a 100,000, not a 120,000\n\nChannel 0: You,\n\nChannel 1: per\n\nChannel 0: yeah, you\n\nChannel 1: year.\n\nChannel 0: you just want a 100 a 100,000? Yeah. Sure.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Perfect. Not a problem at all. We'll make it a 100,000 for you. Not an issue.\n\nChannel 1: Yep.\n\nChannel 0: Excellent.\n\nChannel 1: Yep. Thank you.\n\nChannel 0: Lovely. The only other thing to confirm is I've got down here that you've not got a will and power of attorney in place.\n\nChannel 1: Mhmm.\n\nChannel 0: Given that you've got a lot of assets to your properties and everything, have you spoken to a solicitor ever and drawn up a will?\n\nChannel 1: Yes. I have.\n\nChannel 0: Yes.\n\nChannel 1: Two years ago,\n\nChannel 0: Beautiful.\n\nChannel 1: she sent me the forms to\n\nChannel 0: Yes.\n\nChannel 1: fill out, but I haven't got the chance to fill them out.\n\nChannel 0: Oh, no. It was it's definitely something that you need to do. So it is really important. You've got your investment properties. You've worked really hard.\n\nAnd, obviously, when we update these beneficiary nominations so that your mom is the beneficiary there, it is\n\nChannel 1: Yes.\n\nChannel 0: just really important that, you know, your will is done up to reflect your wishes. Because if without a will, if you were to pass away, all of your\n\nChannel 1: Yep.\n\nChannel 0: assets then go through intestate, and it's up to a judge to decide. It goes to the court system to decide who receives what. It might not be where you want it to go,\n\nChannel 1: Yep.\n\nChannel 0: and\n\nChannel 1: Yep.\n\nChannel 0: it might leave your mom a little bit short. So,\n\nChannel 1: Yes.\n\nChannel 0: doing a will is really important. You've\n\nChannel 1: Okay.\n\nChannel 0: got those that information there. So if you can speak to your solicitor and have those completed, that would be great. If you wanted us to refer you to a solicitor, we absolutely can. But it sounds like you've started the process already, so it would be definitely worth completing with that solicitor. Okay.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: Will do.\n\nChannel 0: Excellent. The only other thing to let you know about is I have sent all the documents through. So everything I've gone through with you today is in the annual review pack, which we have put in your we've sent through to your email there for you. So you're welcome to, after the call, have a look at the documents that has the performance report of your portfolio. It's also got your summary of super insurances, which outlines the level of cover you have, your super information.\n\nIt's also got the financial services guide attached, which has a lovely picture of me and all my licensing\n\nChannel 1: Mhmm.\n\nChannel 0: information in there for you. And we've\n\nChannel 1: Yes.\n\nChannel 0: also got the ongoing service agreement for you. So in order to provide financial advice and help you meet your goals and looking forward at your retirement goals there,\n\nChannel 1: Yep.\n\nChannel 0: it is really important that we do just get you to sign and return that one pass. You do pay an ongoing service fee of 1.65% for our services. That is a year, and it is deducted in smaller monthly increments throughout the year for our services that's just taken out of your super account. So\n\nChannel 1: Yes.\n\nChannel 0: if you, you know, happy with our services, wanna stay on board for another twelve months, we'll get you to sign and return that one back.\n\nChannel 1: Yep.\n\nChannel 0: Feel free to have a look at the documents, and let me know if you do happen to have any questions at all, and I'll get stuck into this research. And as soon as we have that advice document ready to go, my team will book you back in, and we'll go through that advice and have everything updated. And you can see exactly what my recommendations are. Okay?\n\nChannel 1: Okay. Sure.\n\nChannel 0: Excellent. The only other thing I just wanted to double check, I know with your company now with you now being a company, is your company going to be putting those contributions into your super fund on a regular basis? Are you gonna be receiving those as an employee at that normal 12% rate? Do you know?\n\nChannel 1: Yes. I'm planning to. Today,\n\nChannel 0: Yep.\n\nChannel 1: I just had a Xero demo.\n\nChannel 0: Mhmm.\n\nChannel 1: I'm still figuring out how to put on the how to set up the payroll.\n\nChannel 0: Bit difficult. Yep.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: So and I haven't sent out any invoicing for my new company yet. I want to\n\nChannel 0: Right.\n\nChannel 1: put them put them on hold till July 1.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Just make the accounts clear.\n\nChannel 0: Yeah. Absolutely. So that'll all kinda start from the July 1 and make it a new fresh financial year to make it easier.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yeah. Beautiful. And when I look at, obviously, the advice and the contributions going in, I'm factoring that on 12% of a 120,000 per year. Is that accurate as a gross figure?\n\nChannel 1: Accurate as a growth growth figure\n\nChannel 0: Yeah.\n\nChannel 1: or growth\n\nChannel 0: So\n\nChannel 1: figure.\n\nChannel 0: yeah. For so the gross figure is a pretax figure. So if we have a look at like, if you're earning a 120,000 per annum from before tax from your company, then\n\nChannel 1: Mhmm.\n\nChannel 0: when you consider income tax as an employee in contributions, your take home pay is actually 91,000. Or are you earning that 120,000 net after tax from your company? Are you receiving that after tax?\n\nChannel 1: I think before tax before tax.\n\nChannel 0: Okay. Yep. That's fine. Just just\n\nChannel 1: Yeah.\n\nChannel 0: so I\n\nChannel 1: Yeah.\n\nChannel 0: can work the\n\nChannel 1: And\n\nChannel 0: contribution\n\nChannel 1: I\n\nChannel 0: to that correctly.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I I probably leaving some like, I'm I'm not paying the a 100% of the company income to my\n\nChannel 0: No.\n\nChannel 1: as my wage because\n\nChannel 0: Yeah.\n\nChannel 1: that doesn't make sense to\n\nChannel 0: No.\n\nChannel 1: set up a company. Yeah. Because\n\nChannel 0: Definitely.\n\nChannel 1: I yeah. I I I have no problem with the cash flow, so\n\nChannel 0: Yep.\n\nChannel 1: I don't have much to spend. So\n\nChannel 0: No.\n\nChannel 1: I might leave some money in the under the company account and just\n\nChannel 0: Yep.\n\nChannel 1: pay yeah. Yeah. Depending on the, you know, the tax wise amount\n\nChannel 0: Probably your\n\nChannel 1: of\n\nChannel 0: accountant.\n\nChannel 1: my yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Of of\n\nChannel 0: Yep.\n\nChannel 1: my like, a set a a reasonable level of wage to myself.\n\nChannel 0: Yes. Yep.\n\nChannel 1: Yeah. And not paying a 100%. Yeah. But not to underpay myself or\n\nChannel 0: Yes.\n\nChannel 1: overpay. Just a a medium\n\nChannel 0: Yes.\n\nChannel 1: range. Yeah.\n\nChannel 0: Absolutely.\n\nChannel 1: So\n\nChannel 0: So based on you earning a 120,000 per animal for the year, your contributions into your super fund as an employee of your company at 12% equates to about 14,400. Do you think that that would be adequate? Do\n\nChannel 1: Mhmm.\n\nChannel 0: you think that you would be, as an employee of your own company, be receiving that kind of contribution in the super for the year for this next year?\n\nChannel 1: Yeah. Well, at at least paying oh, say sorry. You mean, out of the 12,000, it's 12%.\n\nChannel 0: A\n\nChannel 1: Super.\n\nChannel 0: 100 and 20,012 percent. Yeah.\n\nChannel 1: I could always contribute self contribute to top it up to the $30. Right?\n\nChannel 0: Yeah. Well, the exponential year, the cap goes up to $32,500.\n\nChannel 1: Oh, yeah. Yeah. Yeah. I can, you\n\nChannel 0: Yeah.\n\nChannel 1: know, you know, I can make the self contribution. And is there any, like, employer contribution benefits? If if the is my company paying over 12%, is there any concession like, any\n\nChannel 0: No.\n\nChannel 1: benefits out\n\nChannel 0: Not\n\nChannel 1: of\n\nChannel 0: re\n\nChannel 1: that?\n\nChannel 0: not really. The the\n\nChannel 1: Not\n\nChannel 0: employee\n\nChannel 1: really.\n\nChannel 0: because you're getting you're paying yourself as an employee,\n\nChannel 1: Yeah.\n\nChannel 0: your company, I believe, can claim a tax deduction for what they're paying, but there's really no benefit to you. Realistically, the the the deductible contribution is probably more of a tax benefit to you. But it also just is comfortable. Do you think with how your company is going that you would receive for the next year about 14,000 in contributions employment wise, or did you wanna just do you think you'll be maximizing the cap every year, and do we just factor in your contributions over the year at the full cap for $32,500? Or did you want me just to allocate a smaller amount to contributions to sort of show with the advice how your super is tracking towards your retirement?\n\nChannel 1: Maybe too complicated question for me. Yeah. I think I will just pay myself a medium range of wage, and then\n\nChannel 0: Yeah.\n\nChannel 1: the company pay for the the compulsory percentage. Since the government is paying their stuff over 12%,\n\nChannel 0: Mhmm.\n\nChannel 1: but\n\nChannel 0: Yeah. Some\n\nChannel 1: you\n\nChannel 0: do.\n\nChannel 1: you\n\nChannel 0: Yeah.\n\nChannel 1: just yeah. They they pay 17 something\n\nChannel 0: Yeah.\n\nChannel 1: percent. But you you just said, like, increase the percentage of the company paying my super doesn't really help me too much.\n\nChannel 0: Well, it does. It puts more money into your super, and\n\nChannel 1: Yes.\n\nChannel 0: that benefits you because there's more money in your super. But you'd have to check with your accountant to see if there's any kind of tax benefit on the other side or anything that your company can receive in reg in relation to that.\n\nChannel 1: Yep.\n\nChannel 0: But do you do you think you'd be comfortable paying yourself 17%? Do you wanna account for 17% employer contributions based on the income you're gonna receive or hoping to receive?\n\nChannel 1: I might I I might I might just, you know, pay the regular wage regular percentage of super. And if I need, I just top it up to the\n\nChannel 0: Yep.\n\nChannel 1: maximum limit per\n\nChannel 0: Yep.\n\nChannel 1: year. That might be,\n\nChannel 0: Perfect.\n\nChannel 1: like,\n\nChannel 0: Yep.\n\nChannel 1: more flexible for myself.\n\nChannel 0: Absolutely. And when you said regular income, what's a\n\nChannel 1: Regular\n\nChannel 0: regular income to you? Is it 80,000, a 100,000, a 120,000?\n\nChannel 1: wage is\n\nChannel 0: Yeah.\n\nChannel 1: depend depending on the like, after after expenses of my rental income. And\n\nChannel 0: Mhmm.\n\nChannel 1: I I just want to control my income not going to the next level next level next level income tax tier.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. And then and then I will need to pay, like what's that called? The Medicare levy or something?\n\nChannel 0: Yeah. Yes. Correct. Yeah. That's okay.\n\nChannel 1: Yeah.\n\nChannel 0: So for the advice, I just have to be able to allocate contributions as a dollar figure and also understand and allocate your income as a dollar figure. Are you comfortable with me noting your income as a 120,000 and considering contributions at 12%, which is the standard rate, which is 14,400 for the year.\n\nChannel 1: Yeah. Just it it it's just, like, estimated figure. Right? It's no commitment. Right?\n\nChannel 0: Yes. No. No. Correct. It's just that when we do advise, we need to obviously look at the projected outcome.\n\nAnd when we're looking at projected outcome, we take into account the contributions you're expecting to receive based on your current income. I can do it with no contributions, but then, obviously, the contributions are important to help your super grow investments. Can only do so much without additional contributions there. So it is helpful\n\nChannel 1: Okay.\n\nChannel 0: to be able to look at your super, look at where it's tracking, and factor what average rate of contributions you should expect.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Well,\n\nChannel 0: if\n\nChannel 1: just\n\nChannel 0: you're\n\nChannel 1: make it to the the maximum limit. I think I will be I will most likely self contribute, like, this year do.\n\nChannel 0: Mhmm.\n\nChannel 1: Yep. Just like I don't know the figure or percentage or wage number wage amount. I haven't decided yet. But, for the super contribution per year, I think I will just top it up to the maximum\n\nChannel 0: So\n\nChannel 1: at the\n\nChannel 0: you're\n\nChannel 1: end.\n\nChannel 0: happy? Yep. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: So we'll just we'll just factor in that each year between\n\nChannel 1: Mhmm.\n\nChannel 0: now and you're gonna try and maximize the contributions cap\n\nChannel 1: Yep.\n\nChannel 0: out every year. Yep.\n\nChannel 1: Yep. Yep.\n\nChannel 0: And are you gonna try and do that in a more tax effective way, so\n\nChannel 1: Yep.\n\nChannel 0: as a deductible contribution if possible? Yep. Beautiful. So what I would probably yep. That's absolutely fine.\n\nNot a problem at all. So what I'll do is I will factor in contributions\n\nChannel 1: Yep.\n\nChannel 0: between now to the age of 60 because you're quite close to there. Look at the investments inside of it, and we'll just factor contributions up to the cap. It's not a not about the tax component, just sort of projecting what your sleep is expected to do\n\nChannel 1: Mhmm.\n\nChannel 0: based\n\nChannel 1: Yes.\n\nChannel 0: on the changes in the investments, the returns that we see, the fees that we have, and you maximizing the cap every year to show you what the outcome should be at age 60. Does that sound fine?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yep.\n\nChannel 1: That sounds\n\nChannel 0: Beautiful.\n\nChannel 1: good. Yeah.\n\nChannel 0: I love it. Excellent. That's okay. We just wanted to clarify so I had the right information. Wanted to give\n\nChannel 1: Yeah.\n\nChannel 0: you the document so you understood it. I wanna give you the numbers and you go, hey. That just doesn't make sense. So just\n\nChannel 1: Mhmm.\n\nChannel 0: clarifying what it is that you're hoping or expecting out of your employment. That's all. Okay.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Beautiful. Look. That is everything I needed to go through. I'll go back and do that research for you and come up with an advice document in a few weeks. If you have any questions in the meantime, Christie, please let me know.\n\nBut thank you for your time. I know it has been a long call, and I appreciate that. Is there any other questions or anything else that might have come up in the meantime that you wanna ask me at all?\n\nChannel 1: Not really.\n\nChannel 0: No. That's okay.\n\nChannel 1: I will reach\n\nChannel 0: All\n\nChannel 1: out\n\nChannel 0: good.\n\nChannel 1: if I come up with any questions.\n\nChannel 0: Absolutely. In the meantime, your annual review pack is in there for you. Feel free to have a look, and if you can sign and return that back, that'd be absolutely amazing. Okay.\n\nChannel 1: Okay. Thank you so much\n\nChannel 0: Thank\n\nChannel 1: for your\n\nChannel 0: you.\n\nChannel 1: time.\n\nChannel 0: It's been a no problem. Thank you for your time. It's been a pleasure. I hope you have a relaxing evening.\n\nChannel 1: I hope so. Thank you.\n\nChannel 0: Thank you. I'll talk to you soon, Christie. Have a good night.\n\nChannel 1: Thank you. You too. Bye.\n\nChannel 0: Alright. See you later. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.16,"end":4.34,"sentiment":"neutral","sentiment_score":0.014682157954666764}],"sentiment":"neutral","sentiment_score":0.014682157954666764,"channel":1,"num_words":16,"start":0.16,"end":4.34},{"sentences":[{"text":"Dana, Ooku Financial.","start":7.12,"end":8.58,"sentiment":"neutral","sentiment_score":0.014170817409952482}],"sentiment":"neutral","sentiment_score":0.014170817409952482,"channel":0,"num_words":3,"start":7.12,"end":8.58},{"sentences":[{"text":"Hi, Dana.","start":14.08,"end":14.9,"sentiment":"neutral","sentiment_score":-0.007105596363544464}],"sentiment":"neutral","sentiment_score":-0.007105596363544464,"channel":1,"num_words":2,"start":14.08,"end":14.9},{"sentences":[{"text":"Hi, Christie.","start":15.535,"end":16.255001,"sentiment":"neutral","sentiment_score":-0.12682926282286644},{"text":"I lost 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questions.","start":1549.89,"end":1551.6699,"sentiment":"neutral","sentiment_score":0.15288005769252777}],"sentiment":"neutral","sentiment_score":0.15288005769252777,"channel":1,"num_words":7,"start":1549.89,"end":1551.6699},{"sentences":[{"text":"Absolutely.","start":1552.48,"end":1552.98,"sentiment":"neutral","sentiment_score":0.28908777236938477},{"text":"In the meantime, your annual review pack is in there for you.","start":1553.28,"end":1556.0,"sentiment":"neutral","sentiment_score":0.33051009476184845},{"text":"Feel free to have a look, and if you can sign and return that back, that'd be absolutely amazing.","start":1556.0,"end":1560.26,"sentiment":"positive","sentiment_score":0.4074501426596391},{"text":"Okay.","start":1560.48,"end":1560.98,"sentiment":"neutral","sentiment_score":0.16582325100898743}],"sentiment":"positive","sentiment_score":0.3685631779107181,"channel":0,"num_words":33,"start":1552.48,"end":1560.98},{"sentences":[{"text":"Okay.","start":1561.125,"end":1561.625,"sentiment":"neutral","sentiment_score":0.2016376554965973},{"text":"Thank you so much","start":1561.685,"end":1562.5651,"sentiment":"positive","sentiment_score":0.3910112828016281}],"sentiment":"positive","sentiment_score":0.35313655734062194,"channel":1,"num_words":5,"start":1561.125,"end":1562.5651},{"sentences":[{"text":"Thank","start":1562.505,"end":1562.745,"sentiment":"positive","sentiment_score":0.5282003283500671}],"sentiment":"positive","sentiment_score":0.5282003283500671,"channel":0,"num_words":1,"start":1562.505,"end":1562.745},{"sentences":[{"text":"for your","start":1562.5651,"end":1562.885,"sentiment":"positive","sentiment_score":0.642674446105957}],"sentiment":"positive","sentiment_score":0.642674446105957,"channel":1,"num_words":2,"start":1562.5651,"end":1562.885},{"sentences":[{"text":"you.","start":1562.745,"end":1562.9851,"sentiment":"positive","sentiment_score":0.5054696798324585}],"sentiment":"positive","sentiment_score":0.5054696798324585,"channel":0,"num_words":1,"start":1562.745,"end":1562.9851},{"sentences":[{"text":"time.","start":1562.885,"end":1563.385,"sentiment":"neutral","sentiment_score":0.32697319984436035}],"sentiment":"neutral","sentiment_score":0.32697319984436035,"channel":1,"num_words":1,"start":1562.885,"end":1563.385},{"sentences":[{"text":"It's been a no problem.","start":1562.9851,"end":1564.505,"sentiment":"positive","sentiment_score":0.33931623995304105},{"text":"Thank you for your time.","start":1564.505,"end":1565.4651,"sentiment":"positive","sentiment_score":0.8559175968170166},{"text":"It's been a pleasure.","start":1565.4651,"end":1566.3451,"sentiment":"positive","sentiment_score":0.7809915989637375},{"text":"I hope you have a relaxing evening.","start":1566.3451,"end":1568.285,"sentiment":"positive","sentiment_score":0.8030160750661578}],"sentiment":"positive","sentiment_score":0.7010118145318258,"channel":0,"num_words":21,"start":1562.9851,"end":1568.285},{"sentences":[{"text":"I hope so.","start":1569.25,"end":1570.23,"sentiment":"positive","sentiment_score":0.6373936931292216},{"text":"Thank you.","start":1570.29,"end":1571.11,"sentiment":"positive","sentiment_score":0.7488346993923187}],"sentiment":"positive","sentiment_score":0.6819700956344604,"channel":1,"num_words":5,"start":1569.25,"end":1571.11},{"sentences":[{"text":"Thank you.","start":1571.7949,"end":1572.355,"sentiment":"positive","sentiment_score":0.7348093688488007},{"text":"I'll talk to you soon, Christie.","start":1572.355,"end":1573.715,"sentiment":"positive","sentiment_score":0.5474205215771993},{"text":"Have a good night.","start":1573.715,"end":1574.695,"sentiment":"positive","sentiment_score":0.6491081118583679}],"sentiment":"positive","sentiment_score":0.6125478595495224,"channel":0,"num_words":12,"start":1571.7949,"end":1574.695},{"sentences":[{"text":"Thank you.","start":1574.69,"end":1575.25,"sentiment":"positive","sentiment_score":0.7072417736053467},{"text":"You too.","start":1575.25,"end":1575.8099,"sentiment":"positive","sentiment_score":0.4337894171476364},{"text":"Bye.","start":1575.8099,"end":1576.3099,"sentiment":"neutral","sentiment_score":0.2639109492301941}],"sentiment":"positive","sentiment_score":0.5091946661472321,"channel":1,"num_words":5,"start":1574.69,"end":1576.3099},{"sentences":[{"text":"Alright.","start":1575.955,"end":1576.4349,"sentiment":"neutral","sentiment_score":0.20040766894817352},{"text":"See you later.","start":1576.4349,"end":1577.075,"sentiment":"neutral","sentiment_score":0.30286585291226703},{"text":"Bye.","start":1577.075,"end":1577.575,"sentiment":"neutral","sentiment_score":0.14499841630458832}],"sentiment":"neutral","sentiment_score":0.2508007287979126,"channel":0,"num_words":5,"start":1575.955,"end":1577.575},{"sentences":[{"text":"Bye.","start":1577.65,"end":1578.15,"sentiment":"neutral","sentiment_score":-0.11715014278888702}],"sentiment":"neutral","sentiment_score":-0.11715014278888702,"channel":1,"num_words":1,"start":1577.65,"end":1578.15}]},"summary":{"result":"success","short":"Representatives from Ooku Financial speak with Dana to confirm her employment history and medical history, including domestic travel and hobbies. They also discuss her health history, including heart, cancer, and respiratory conditions. The agents emphasize the importance of their will and power of attorney for her policy and provide information on the annual review pack. The customer is advised to complete all necessary documents and receive a deductible contribution for a tax benefit. The agents also discuss contributions to retirement plans and the benefits of a low wage, including a tax deduction."},"intents":{"segments":[{"text":"Just wanted to reconfirm with your self employed. How long have you been self employed for?","start_word":63,"end_word":78,"intents":[{"intent":"Confirm employment","confidence_score":0.005189054},{"intent":"Provide job description","confidence_score":0.0033077616}]},{"text":"Thank you for updating that. Have you ever been bankrupt on a part nine debt agreement at all?","start_word":209,"end_word":226,"intents":[{"intent":"Update information","confidence_score":0.091240294}]},{"text":"Do you have any specific qualifications to be able to do your role?","start_word":241,"end_word":253,"intents":[{"intent":"Provide job qualification","confidence_score":0.0008289915}]},{"text":"Is do you sort of work in the local area, or do you travel out to sort of support your clients to the NDIS?","start_word":329,"end_word":352,"intents":[{"intent":"Explore transportation options","confidence_score":0.0031729704}]},{"text":"Do you Just drink do you have a few babies in the weekend? A couple of wines or a drink or two? I don't drink I don't Don't drink drink? alcohol. I'm Wow. allergic You are good. to yeah. Really? I'm allergic to drinking alcohol, Wow. so protect myself. Yes.","start_word":693,"end_word":742,"intents":[{"intent":"Educate on benefits","confidence_score":0.000021512185}]},{"text":"And you didn't have any time off or no follow ups?","start_word":1325,"end_word":1335,"intents":[{"intent":"Schedule treatment meeting","confidence_score":0.0000010824846}]},{"text":"No high blood pressure or high cholesterol. No.","start_word":1394,"end_word":1401,"intents":[{"intent":"Confirm health status","confidence_score":0.00031352462}]},{"text":"I can look at the policy you have now and also any other providers to see what the policies look like, the best terms might be, the costing, what they Mhmm. offer as well, because it's not just about what you pay for the policy, but, you know, what might be inside the policy that works for you. Mhmm.","start_word":1515,"end_word":1573,"intents":[{"intent":"Look at policy","confidence_score":0.0027208778}]},{"text":"update the recommendation, and it's up to you whether you take it or not. But I'll show you what it looks like, the cost, the advantages, disadvantages, and the risks. Is that okay, Christie?","start_word":1579,"end_word":1612,"intents":[{"intent":"Update recommendation","confidence_score":0.11355456}]},{"text":"could you please check if the benefit is, say, 10 a 100,000, not a 120,000 You, per yeah, you year. you just want a 100 a 100,000? Yeah. Sure.","start_word":1618,"end_word":1646,"intents":[{"intent":"Check benefit","confidence_score":0.16071668}]},{"text":"The only other thing to confirm is I've got down here that you've not got a will and power of attorney in place.","start_word":1672,"end_word":1694,"intents":[{"intent":"Confirm will and power of attorney","confidence_score":0.08323818},{"intent":"Confirm will and power of attorney","confidence_score":0.021219172}]},{"text":"I just had a Xero demo. Mhmm.","start_word":2301,"end_word":2307,"intents":[{"intent":"Inform about company's xero demo","confidence_score":0.000005846946}]},{"text":"I think before tax before tax.","start_word":2499,"end_word":2504,"intents":[{"intent":"Calculate tax deductions","confidence_score":0.0037489769}]},{"text":"And is there any, like, employer contribution benefits?","start_word":2795,"end_word":2802,"intents":[{"intent":"Determine employer contribution benefits","confidence_score":0.031246085}]},{"text":"If if the is my company paying over 12%, is there any concession like, any No.","start_word":2803,"end_word":2818,"intents":[{"intent":"Determine employee compensation","confidence_score":0.00005514191}]},{"text":"your company, I believe, can claim a tax deduction for what they're paying, but there's really no benefit to you.","start_word":2842,"end_word":2861,"intents":[{"intent":"Determine benefits of tax deduction","confidence_score":0.0004579578}]},{"text":"But do you do you think you'd be comfortable paying yourself 17%? Do you wanna account for 17% employer contributions based on the income you're gonna receive or hoping to receive?","start_word":3100,"end_word":3130,"intents":[{"intent":"Determine company's income","confidence_score":0.051022034}]},{"text":"I I just want to control my income not going to the next level next level next level income tax tier. Yeah. Yeah.","start_word":3214,"end_word":3236,"intents":[{"intent":"Manage income","confidence_score":0.043418825}]},{"text":"And are you gonna try and do that in a more tax effective way, so Yep. as a deductible contribution if possible? Yep.","start_word":3534,"end_word":3556,"intents":[{"intent":"Discuss tax savings","confidence_score":0.00151571}]}]},"sentiments":{"segments":[{"text":"If you record your name and reason for calling, I'll see if this person is available. Dana, Ooku Financial. Hi, Dana. Hi, Christie.","start_word":0,"end_word":22,"sentiment":"neutral","sentiment_score":-0.003268816974014044},{"text":"I lost you. I'm so sorry.","start_word":23,"end_word":28,"sentiment":"negative","sentiment_score":-0.4188280701637268},{"text":"Oh, yeah. I don't know what happened. No. That's absolutely fine. I thought I'd give you a quick callback, and hopefully, I could grab you. I'm so, so sorry Yes. about that. You can. Just wanted to reconfirm with your self employed. How long have you been self employed for? Self employed totally self employed is since, I think November 14. Okay. Beautiful. And before that, were you working in the same sort of industry? Yes. Yep. I've Okay. been in the same industry since 2021. Okay. Beautiful. So 2021 is when you started the industry. Beautiful. And just having a look. So I've got you down. You're technically what would you consider your role to be technically? Would you say support coordinator still? Yes. Yep. Beautiful. And you were in this had the same sort of title from 2021 in your previous role? 2021, I was a support worker Okay. for less than one year, and then, Yep. yeah, then moved to the office, a main role, and Yep. then started support coordinator around April 2022. Yep. 2022. Beautiful.","start_word":29,"end_word":208,"sentiment":"neutral","sentiment_score":0.014185275882482529},{"text":"Thank you for updating that.","start_word":209,"end_word":213,"sentiment":"positive","sentiment_score":0.3532002866268158},{"text":"Have you ever been bankrupt on a part nine debt agreement at all? I'd say probably not. No. No. Bancorp? Beautiful. Yeah. No. No. No. Beautiful. Fantastic. Do you have any specific qualifications to be able to do your role? I've got down here that you've got a master's degree in business admin and a specific degree in individual support. Do you have any other qualifications I should note down? I've done the support coordinator course at support coordination academy. Yep. Yep.","start_word":214,"end_word":295,"sentiment":"neutral","sentiment_score":0.03281279653310776},{"text":"Perfect. Thank you for that. Excellent.","start_word":296,"end_word":301,"sentiment":"positive","sentiment_score":0.547276496887207},{"text":"Yep. Okay. And I've got your duties down, which is fine. Do you do much in the way of domestic travel with regard to your role? Is do you sort of work in the local area, or do you travel out to sort of support your clients to the NDIS? I sometimes will need to travel to Yeah. do the home visits to meet the Okay. clients, and Yep. sometimes will need to go to the local area coordinator office, Okay. to attend the meetings. But I don't travel long distance because I don't like long distance driving. Anywhere over thirty minutes drive, I will do Yep. pick the either the video conference or a carpool. Yep. Yep. I take other's car Nice. at You get the them meeting to drive. point. I don't like I driving love that. long distance. That's absolutely fine. That is absolutely fine. Not a problem at all. Now the next one here is do you do any hazardous activities?","start_word":302,"end_word":466,"sentiment":"neutral","sentiment_score":-0.0017918297908071316},{"text":"I honestly don't think you would do anything hazardous in your role.","start_word":467,"end_word":478,"sentiment":"negative","sentiment_score":-0.3399253487586975},{"text":"Yeah. You No. know, work at major heights or get on roofs or anything strange? No. All good. You only have technically one job. You don't have a secondary job on the side or anything or not not planning to have a secondary job or a secondary business No. at the moment? No. No. No. Beautiful. The Do one you have is any enough. what is enough? Working enough hours. Yes. Do you do you have any overseas holidays planned for this year at all? Oh, we've just came back for one That's month. yep. That's okay. So nothing else booked in the next twelve months. That's okay. Overseas trips, Yeah. not planned at the moment, Okay. but we we are going to a few like, a weekend getaway to. Nice. Lovely. That'll be Yeah. Yeah.","start_word":479,"end_word":614,"sentiment":"neutral","sentiment_score":-0.01471021305769682},{"text":"fantastic.","start_word":615,"end_word":615,"sentiment":"positive","sentiment_score":0.35669374465942383},{"text":"I know you're very busy with work, but do you have any hobbies or pastimes? Do you play any sports outside of work? It doesn't sound like you have any time for that. During the weekend, I try to get myself away from my computer, away from my co my work. Yes.","start_word":616,"end_word":667,"sentiment":"neutral","sentiment_score":0.01588229462504387},{"text":"I like to I like to go to the beach. Lovely. And, also, they I enjoy the gourmet food. Lovely.","start_word":668,"end_word":687,"sentiment":"positive","sentiment_score":0.42873942852020264},{"text":"Yeah. Yeah. What else? Do you Just drink do you have a few babies in the weekend? A couple of wines or a drink or two? I don't drink I don't Don't drink drink? alcohol. I'm Wow. allergic You are good. to yeah. Really? I'm allergic to drinking alcohol, Wow. so protect myself. Yes. This Absolutely. this allergy protects myself. Absolutely. Yeah. Look. This next question is a little bit of a weird one, but have you ever taken illegal or illicit illicit drugs before? No. Beautiful.","start_word":688,"end_word":774,"sentiment":"neutral","sentiment_score":0.01247683632583625},{"text":"I love I that.","start_word":775,"end_word":778,"sentiment":"positive","sentiment_score":0.42055487632751465},{"text":"hate cigarettes too.","start_word":779,"end_word":781,"sentiment":"neutral","sentiment_score":0.24404239654541016},{"text":"I Fantastic. hate smoking. I I've got you down as a nonsmoker here. That's fantastic.","start_word":782,"end_word":796,"sentiment":"positive","sentiment_score":0.47698432207107544},{"text":"Yeah. Have you lost any large sums of weight, so more than 10 kilos over the past twelve months at all? I wish I had. That's okay. No. I put on some weight. Yeah. That's Throughout okay. this five years, Yes. I put on Yep. some weight, but That's it's I you've wish had I a lot had lost. going on. Yeah. That's okay. The next couple of questions here are just about your medical history, so your family history and yours. The first few are about your family history. They're just wanting to find out if there's been any major conditions or major diagnoses in your family from your mother, father, brother, or sister before the age of 60. If anyone's being diagnosed with any of these after 60, they don't need to worry about it. It's just if they have been diagnosed or suffered any of the below before 60. Is this the list? I'll go through them. Ask each one if you can just say yes or no. Okay? Okay. Yep. The first one here is heart disease, heart attack, or stroke. No. No. Multiple sclerosis, Parkinson's, or Alzheimer's? No. Muscular dystrophy, Huntington's or motor neurons disease? No. Any bowel cancer or melanoma? No. No. Any polycystic kidney disease? No. Any breast cancer? No. Any mental health condition? No. No. Any cardio or myopathies? Anything of the heart? No. Nope. Any diabetes? Below 60, no. Beautiful. And anything else before the age of 60 that we haven't quite covered? Anything else? Yeah. No. No. Beautiful.","start_word":797,"end_word":1054,"sentiment":"neutral","sentiment_score":-0.00372482438922802},{"text":"Excellent. Your family is nice and healthy, and we like that. That's fantastic.","start_word":1055,"end_word":1067,"sentiment":"positive","sentiment_score":0.6793369650840759},{"text":"Yes. The next one here is about yourself. So, again, it's a very similar list, but just asking if you have suffered short treatment or been diagnosed with any of the following ever in your lifetime. So have you ever had stress, anxiety, depression, or any mental health that you've been diagnosed for or sought treatment No. for? No. No? No. Any skin cancers, tumors, lesions, cysts, or moles? No. No. Any back or neck pain, any sciatica, spondylitis? Nope. Any bone fractures or ligaments or issues with your tendons or arthritis? No. No. Nope. I do apologize. The next one is a bit sensitive, but any HIV, hep b, or c? Nope. Any heart conditions or blood conditions? No. No. Any previous surgeries? I I think I've gone through this question around how many years fifteen, twenty years ago. Yep. I had removed a a fat what's that called? An exercise Okay. exercise fatty cyst or something Okay. Yep. near my near my the the you know, the bone near the neck, Yes. the the right hand side? It's been taken Yes. off. It's not cancer or something. It's just Okay. cosmetic Yep. removal. It doesn't look like good with an egg. It's something No. That's like okay. an egg on on there. It was a So a bit of it a was lump? taken. Yeah. Yeah. Yep. A Yep. little bit long, but Yep. it's That's big. okay. Yeah. Yeah. It's big. Lovely. But it's removed and never Okay. have any Yep. issue afterwards. Fantastic. And you didn't have any time off or no follow ups? No. Just Everything was say done? surgery. Yep. Yeah. Day surgery. Lovely. Well, I'm glad nothing came back from that, and it sounds awful.","start_word":1068,"end_word":1359,"sentiment":"neutral","sentiment_score":-0.024781157900515483},{"text":"No.","start_word":1360,"end_word":1360,"sentiment":"negative","sentiment_score":-0.4054778218269348},{"text":"I'm glad it's gone. Yeah. Perfect. The next one here is any cancer. There's no. No. No. Excellent. The next one is asthma or respiratory condition. I don't have any medical condition. Fantastic. No high blood pressure or high cholesterol. No. No. Beautiful. Any skin conditions or diabetes or thyroid conditions. No. Beautiful. That is the whole questionnaire. We just had to maybe look look at that again just to sort of confirm that there's, you know, nothing flagged there. Realistically, the what you have kinda told me should already be on your current application. So going forward and increasing your trauma policy, I don't foresee any issues with that. There's no additional loadings or spoons we should see there. So what I'll do is I can go back as part of the advice. I'll just review your current policy, look at, you know, what the cost is to increase that to a 120,000. I can look at the policy you have now and also any other providers to see what the policies look like, the best terms might be, the costing, what they Mhmm. offer as well, because it's not just about what you pay for the policy, but, you know, what might be inside the policy that works for you. Mhmm. And then we can Sure. update the recommendation, and it's up to you whether you take it or not. But I'll show you what it looks like, the cost, the advantages, disadvantages, and the risks. Is that okay, Christie? Yes. Yes. And, also, Yep. could you please check if the benefit is, say, 10 a 100,000, not a 120,000 You, per yeah, you year. you just want a 100 a 100,000? Yeah. Sure. Yeah. Yeah. Yeah. Perfect. Not a problem at all. We'll make it a 100,000 for you. Not an issue. Yep.","start_word":1361,"end_word":1666,"sentiment":"neutral","sentiment_score":0.02334253303706646},{"text":"Excellent.","start_word":1667,"end_word":1667,"sentiment":"positive","sentiment_score":0.33833563327789307},{"text":"Yep.","start_word":1668,"end_word":1668,"sentiment":"neutral","sentiment_score":0.22901442646980288},{"text":"Thank you.","start_word":1669,"end_word":1670,"sentiment":"positive","sentiment_score":0.42101407051086426},{"text":"Lovely. The only other thing to confirm is I've got down here that you've not got a will and power of attorney in place. Mhmm. Given that you've got a lot of assets to your properties and everything, have you spoken to a solicitor ever and drawn up a will? Yes. I have. Yes. Two years ago, Beautiful. she sent me the forms to Yes. fill out, but I haven't got the chance to fill them out. Oh, no. It was it's definitely something that you need to do. So it is really important. You've got your investment properties. You've worked really hard. And, obviously, when we update these beneficiary nominations so that your mom is the beneficiary there, it is Yes. just really important that, you know, your will is done up to reflect your wishes. Because if without a will, if you were to pass away, all of your Yep. assets then go through intestate, and it's up to a judge to decide. It goes to the court system to decide who receives what. It might not be where you want it to go, Yep. and Yep. it might leave your mom a little bit short. So, Yes. doing a will is really important. You've Okay. got those that information there. So if you can speak to your solicitor and have those completed, that would be great. If you wanted us to refer you to a solicitor, we absolutely can. But it sounds like you've started the process already, so it would be definitely worth completing with that solicitor. Okay. Okay. Yeah.","start_word":1671,"end_word":1934,"sentiment":"neutral","sentiment_score":0.03909791904416951},{"text":"Beautiful. Will do. Excellent.","start_word":1935,"end_word":1938,"sentiment":"positive","sentiment_score":0.5815703868865967},{"text":"The only other thing to let you know about is I have sent all the documents through. So everything I've gone through with you today is in the annual review pack, which we have put in your we've sent through to your email there for you. So you're welcome to, after the call, have a look at the documents that has the performance report of your portfolio. It's also got your summary of super insurances, which outlines the level of cover you have, your super information. It's also got the financial services guide attached, which has a lovely picture of me and all my licensing Mhmm. information in there for you. And we've Yes. also got the ongoing service agreement for you. So in order to provide financial advice and help you meet your goals and looking forward at your retirement goals there, Yep. it is really important that we do just get you to sign and return that one pass. You do pay an ongoing service fee of 1.65% for our services. That is a year, and it is deducted in smaller monthly increments throughout the year for our services that's just taken out of your super account. So Yes.","start_word":1939,"end_word":2139,"sentiment":"neutral","sentiment_score":0.1967064509196068},{"text":"if you, you know, happy with our services, wanna stay on board for another twelve months, we'll get you to sign and return that one back.","start_word":2140,"end_word":2165,"sentiment":"positive","sentiment_score":0.4326234757900238},{"text":"Yep.","start_word":2166,"end_word":2166,"sentiment":"neutral","sentiment_score":0.28960877656936646},{"text":"Feel free to have a look at the documents, and let me know if you do happen to have any questions at all, and I'll get stuck into this research.","start_word":2167,"end_word":2196,"sentiment":"positive","sentiment_score":0.3376438319683075},{"text":"And as soon as we have that advice document ready to go, my team will book you back in, and we'll go through that advice and have everything updated. And you can see exactly what my recommendations are. Okay? Okay.","start_word":2197,"end_word":2236,"sentiment":"neutral","sentiment_score":0.28974515199661255},{"text":"Sure. Excellent.","start_word":2237,"end_word":2238,"sentiment":"positive","sentiment_score":0.5175061821937561},{"text":"The only other thing I just wanted to double check, I know with your company now with you now being a company, is your company going to be putting those contributions into your super fund on a regular basis? Are you gonna be receiving those as an employee at that normal 12% rate? Do you know? Yes. I'm planning to. Today, Yep. I just had a Xero demo. Mhmm. I'm still figuring out how to put on the how to set up the payroll. Bit difficult. Yep. Yeah. Yeah. Yep. So and I haven't sent out any invoicing for my new company yet. I want to Right. put them put them on hold till July 1. Yep. Yeah. Yep. Just make the accounts clear. Yeah.","start_word":2239,"end_word":2363,"sentiment":"neutral","sentiment_score":0.010961144231259825},{"text":"Absolutely. So that'll all kinda start from the July 1 and make it a new fresh financial year to make it easier.","start_word":2364,"end_word":2385,"sentiment":"positive","sentiment_score":0.4834229052066803},{"text":"Yes. Yes.","start_word":2386,"end_word":2387,"sentiment":"neutral","sentiment_score":0.2009035348892212},{"text":"Yeah. Beautiful.","start_word":2388,"end_word":2389,"sentiment":"positive","sentiment_score":0.4476441144943238},{"text":"And when I look at, obviously, the advice and the contributions going in, I'm factoring that on 12% of a 120,000 per year. Is that accurate as a gross figure? Accurate as a growth growth figure Yeah. or growth So figure. yeah. For so the gross figure is a pretax figure. So if we have a look at like, if you're earning a 120,000 per annum from before tax from your company, then Mhmm. when you consider income tax as an employee in contributions, your take home pay is actually 91,000. Or are you earning that 120,000 net after tax from your company? Are you receiving that after tax? I think before tax before tax. Okay. Yep. That's fine. Just just Yeah. so I Yeah. can work the And contribution I to that correctly. yeah. Yeah. I I probably leaving some like, I'm I'm not paying the a 100% of the company income to my No. as my wage because Yeah. that doesn't make sense to No. set up a company. Yeah. Because Definitely. I yeah. I I I have no problem with the cash flow, so Yep. I don't have much to spend. So No. I might leave some money in the under the company account and just Yep. pay yeah. Yeah. Depending on the, you know, the tax wise Probably amount your accountant. of my yeah. Yeah. Of Yep. of my like, a set a a reasonable level of wage to myself. Yes. Yep. Yeah. And not paying a 100%. Yeah. But not to underpay myself or Yes. overpay. Just a a medium Yes. range. Yeah. Absolutely. So So based on you earning a 120,000 per animal for the year, your contributions into your super fund as an employee of your company at 12% equates to about 14,400. Do you think that that would be adequate? Do Mhmm. you think that you would be, as an employee of your own company, be receiving that kind of contribution in the super for the year for this next year? Yeah. Well, at at least paying oh, say sorry. You mean, out of the 12,000, it's 12%. A Super. 100 and 20,012 percent. Yeah. I could always contribute self contribute to top it up to the $30. Right? Yeah. Well, the exponential year, the cap goes up to $32,500. Oh, yeah. Yeah. Yeah. I can, you Yeah. know, you know, I can make the self contribution. And is there any, like, employer contribution benefits? If if the is my company paying over 12%, is there any concession like, any No. benefits out Not of re that? not really. The the Not employee really. because you're getting you're paying yourself as an employee, Yeah. your company, I believe, can claim a tax deduction for what they're paying, but there's really no benefit to you. Realistically, the the the deductible contribution is probably more of a tax benefit to you.","start_word":2390,"end_word":2876,"sentiment":"neutral","sentiment_score":0.018359924963000377},{"text":"But it also just is comfortable.","start_word":2877,"end_word":2882,"sentiment":"positive","sentiment_score":0.39067456126213074},{"text":"Do you think with how your company is going that you would receive for the next year about 14,000 in contributions employment wise, or did you wanna just do you think you'll be maximizing the cap every year, and do we just factor in your contributions over the year at the full cap for $32,500? Or did you want me just to allocate a smaller amount to contributions to sort of show with the advice how your super is tracking towards your retirement? Maybe too complicated question for me. Yeah. I think I will just pay myself a medium range of wage, and then Yeah. the company pay for the the compulsory percentage. Since the government is paying their stuff over 12%, Mhmm. but Yeah. Some you do. you Yeah. just yeah. They they pay 17 something Yeah. percent. But you you just said, like, increase the percentage of the company paying my super doesn't really help me too much. Well, it does. It puts more money into your super, and Yes. that benefits you because there's more money in your super. But you'd have to check with your accountant to see if there's any kind of tax benefit on the other side or anything that your company can receive in reg in relation to that. Yep. But do you do you think you'd be comfortable paying yourself 17%? Do you wanna account for 17% employer contributions based on the income you're gonna receive or hoping to receive? I might I I might I might just, you know, pay the regular wage regular percentage of super. And if I need, I just top it up to the Yep. maximum limit per Yep. year. That might be, Perfect. like, Yep. more flexible for myself.","start_word":2883,"end_word":3175,"sentiment":"neutral","sentiment_score":0.053145306483673965},{"text":"Absolutely.","start_word":3176,"end_word":3176,"sentiment":"positive","sentiment_score":0.5141887664794922},{"text":"And when you said regular income, what's a Regular regular income to you? Is it 80,000, a 100,000, a 120,000? wage is Yeah. depend depending on the like, after after expenses of my rental income. And Mhmm. I I just want to control my income not going to the next level next level next level income tax tier. Yeah. Yeah. And then and then I will need to pay, like what's that called? The Medicare levy or something? Yeah. Yes. Correct. Yeah. That's okay. Yeah. So for the advice, I just have to be able to allocate contributions as a dollar figure and also understand and allocate your income as a dollar figure. Are you comfortable with me noting your income as a 120,000 and considering contributions at 12%, which is the standard rate, which is 14,400 for the year. Yeah. Just it it it's just, like, estimated figure. Right? It's no commitment. Right? Yes. No. No. Correct. It's just that when we do advise, we need to obviously look at the projected outcome. And when we're looking at projected outcome, we take into account the contributions you're expecting to receive based on your current income. I can do it with no contributions, but then, obviously, the contributions are important to help your super grow investments. Can only do so much without additional contributions there. So it is helpful Okay. to be able to look at your super, look at where it's tracking, and factor what average rate of contributions you should expect. Yeah. So Well, if just you're make it to the the maximum limit. I think I will be I will most likely self contribute, like, this year do. Mhmm. Yep. Just like I don't know the figure or percentage or wage number wage amount. I haven't decided yet. But, for the super contribution per year, I think I will just top it up to the maximum So at the you're end.","start_word":3177,"end_word":3500,"sentiment":"neutral","sentiment_score":0.06963282823562622},{"text":"happy?","start_word":3501,"end_word":3501,"sentiment":"positive","sentiment_score":0.3451143503189087},{"text":"Yep. Okay. Yeah. So we'll just we'll just factor in that each year between Mhmm. now and you're gonna try and maximize the contributions cap Yep. out every year. Yep. Yep. Yep. And are you gonna try and do that in a more tax effective way, so Yep. as a deductible contribution if possible? Yep.","start_word":3502,"end_word":3556,"sentiment":"neutral","sentiment_score":0.13315999338572676},{"text":"Beautiful.","start_word":3557,"end_word":3557,"sentiment":"positive","sentiment_score":0.5135221481323242},{"text":"So what I would probably yep.","start_word":3558,"end_word":3563,"sentiment":"neutral","sentiment_score":0.22564296424388883},{"text":"That's absolutely fine.","start_word":3564,"end_word":3566,"sentiment":"positive","sentiment_score":0.46660053730010986},{"text":"Not a problem at all. So what I'll do is I will factor in contributions Yep. between now to the age of 60 because you're quite close to there. Look at the investments inside of it, and we'll just factor contributions up to the cap. It's not a not about the tax component, just sort of projecting what your sleep is expected to do Mhmm. based Yes. on the changes in the investments, the returns that we see, the fees that we have, and you maximizing the cap every year to show you what the outcome should be at age 60. Does that sound fine? Yes. Yes. Yep.","start_word":3567,"end_word":3674,"sentiment":"neutral","sentiment_score":0.09982150048017502},{"text":"That sounds Beautiful. good. Yeah. I love it. Excellent. That's okay.","start_word":3675,"end_word":3685,"sentiment":"positive","sentiment_score":0.5399479866027832},{"text":"We just wanted to clarify so I had the right information. Wanted to give Yeah. you the document so you understood it. I wanna give you the numbers and you go, hey. That just doesn't make sense. So just Mhmm. clarifying what it is that you're hoping or expecting out of your employment. That's all. Okay. Yep. Okay.","start_word":3686,"end_word":3743,"sentiment":"neutral","sentiment_score":0.030970517545938492},{"text":"Beautiful. Look.","start_word":3744,"end_word":3745,"sentiment":"positive","sentiment_score":0.4011976718902588},{"text":"That is everything I needed to go through. I'll go back and do that research for you and come up with an advice document in a few weeks. If you have any questions in the meantime, Christie, please let me know.","start_word":3746,"end_word":3786,"sentiment":"neutral","sentiment_score":0.2031988501548767},{"text":"But thank you for your time.","start_word":3787,"end_word":3792,"sentiment":"positive","sentiment_score":0.3349696099758148},{"text":"I know it has been a long call, and I appreciate that. Is there any other questions or anything else that might have come up in the meantime that you wanna ask me at all? Not really. No. That's okay. I will reach All out good. if I come up with any questions. Absolutely. In the meantime, your annual review pack is in there for you.","start_word":3793,"end_word":3858,"sentiment":"neutral","sentiment_score":0.16280405223369598},{"text":"Feel free to have a look, and if you can sign and return that back, that'd be absolutely amazing.","start_word":3859,"end_word":3877,"sentiment":"positive","sentiment_score":0.4158451557159424},{"text":"Okay. Okay.","start_word":3878,"end_word":3879,"sentiment":"neutral","sentiment_score":0.18373045325279236},{"text":"Thank you so much Thank for your you.","start_word":3880,"end_word":3887,"sentiment":"positive","sentiment_score":0.48761484026908875},{"text":"time.","start_word":3888,"end_word":3888,"sentiment":"neutral","sentiment_score":0.32697319984436035},{"text":"It's been a no problem. Thank you for your time. It's been a pleasure. I hope you have a relaxing evening. I hope so. Thank you. Thank you. I'll talk to you soon, Christie. Have a good night. Thank you. You too.","start_word":3889,"end_word":3930,"sentiment":"positive","sentiment_score":0.6568740804990133},{"text":"Bye. Alright. See you later. Bye. Bye.","start_word":3931,"end_word":3937,"sentiment":"neutral","sentiment_score":0.20973579585552216}],"average":{"sentiment":"neutral","sentiment_score":0.068364936251973}}}}