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So if she gives it to the kids, she will lose the pension. Correct. Because it'll be considered gifting. Or we put it through the estate or the will, which reduces the tax but doesn't completely mitigate it. It reduces it by 2%, and it means that the estate can divvy it up that way. So it can still go to the kids through the estate, so the Will steps in and directs it that way to ensure that she's able to keep the pension and they're able to look after her. Cool. But really mhmm. And it doesn't have to be set like, you don't have to set up in the state. Like, you don't have to set up a trust or anything like that, obviously. Like, we can set up a trust because then the trust can hold everything and it can just pay out money to her as an income so she can keep, like, full pensions, but that's a much more costly exercise. And, realistically, if anything, to the may like, to the major degree where if you were to pass away would occur, it would be a conversation that, you know, an adviser, myself, would have with your partner to help her. It's called sheltering, legally hiding money from Centrelink. Yeah. Yeah. Yeah. Mhmm. Correct. But the other side is is that she could be self like, self funded where, you know, she doesn't rely on the pension for any form of income. It's just focused on you know, if something were to happen to you, her expenses would would decrease. And then depending on where she wants to situate herself, whether she wants to downsize the house or whatever the case may be, and then, you know, it would it would be a completely different strategy if if that were to happen. Yeah. It just it just depended on what your biggest your biggest goal is. Is it is it to make sure that she retains pension, or is it to tax save? Because one's gonna see quite a bit of tax being paid out, and the other is going to be unobtainable at this time. Yeah. Yeah. Pretty much. Yeah. Yeah. Yeah. It's always changeable. Yep. Yeah. Yeah. So I I I I draft all the forms up, and I said I I have to send them to you for you to sign. But, yeah, I draft I draft all of them up. Yeah. Yep. Yeah. Absolutely. We could do that. Yes. I'm finally sitting down at my computer to show it, and then send it through. So once it's signed, basically, we we get it all implemented, and then the beneficiary forms come through to you. The contribution form comes through to you because none of that can be generated until the account's basically set up, but that all flows through from there. Yeah. Perfect. I'll have it through to you very, very shortly because I would like to go home for the day. I know. An early mark. Crazy. I know. No. I've done that many hours that I shouldn't be here today, but I know. I've I've definitely definitely has have heard that one. No. No problem, sweetheart. I'll have it through soon. 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Larissa from Oaktree Financial. How are you going? That's good. Sorry.\n\nIt's taking me a little to get back to you. I've been in meetings all morning. Mhmm. Yes. So if she gives it to the kids, she will lose the pension.\n\nCorrect. Because it'll be considered gifting. Or we put it through the estate or the will, which reduces the tax but doesn't completely mitigate it. It reduces it by 2%, and it means that the estate can divvy it up that way. So it can still go to the kids through the estate, so the Will steps in and directs it that way to ensure that she's able to keep the pension and they're able to look after her.\n\nCool. But really mhmm. And it doesn't have to be set like, you don't have to set up in the state. Like, you don't have to set up a trust or anything like that, obviously. Like, we can set up a trust because then the trust can hold everything and it can just pay out money to her as an income so she can keep, like, full pensions, but that's a much more costly exercise.\n\nAnd, realistically, if anything, to the may like, to the major degree where if you were to pass away would occur, it would be a conversation that, you know, an adviser, myself, would have with your partner to help her. It's called sheltering, legally hiding money from Centrelink. Yeah. Yeah. Yeah.\n\nMhmm. Correct. But the other side is is that she could be self like, self funded where, you know, she doesn't rely on the pension for any form of income. It's just focused on you know, if something were to happen to you, her expenses would would decrease. And then depending on where she wants to situate herself, whether she wants to downsize the house or whatever the case may be, and then, you know, it would it would be a completely different strategy if if that were to happen.\n\nYeah. It just it just depended on what your biggest your biggest goal is. Is it is it to make sure that she retains pension, or is it to tax save? Because one's gonna see quite a bit of tax being paid out, and the other is going to be unobtainable at this time. Yeah.\n\nYeah. Pretty much. Yeah. Yeah. Yeah.\n\nIt's always changeable. Yep. Yeah. Yeah. So I I I I draft all the forms up, and I said I I have to send them to you for you to sign.\n\nBut, yeah, I draft I draft all of them up. Yeah. Yep. Yeah. Absolutely.\n\nWe could do that. Yes. I'm finally sitting down at my computer to show it, and then send it through. So once it's signed, basically, we we get it all implemented, and then the beneficiary forms come through to you. The contribution form comes through to you because none of that can be generated until the account's basically set up, but that all flows through from there.\n\nYeah. Perfect. I'll have it through to you very, very shortly because I would like to go home for the day. I know. An early mark.\n\nCrazy. I know. No. I've done that many hours that I shouldn't be here today, but I know. I've I've definitely definitely has have heard that one.\n\nNo. No problem, sweetheart. I'll have it through soon. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Peter.","start":1.8399999,"end":2.56,"sentiment":"neutral","sentiment_score":0.2036340907216072},{"text":"Larissa from Oaktree Financial.","start":2.56,"end":3.84,"sentiment":"neutral","sentiment_score":0.06230487860739231},{"text":"How are you going?","start":3.84,"end":4.74,"sentiment":"neutral","sentiment_score":0.15847035497426987},{"text":"That's good.","start":7.44,"end":8.32,"sentiment":"positive","sentiment_score":0.5294772982597351},{"text":"Sorry.","start":8.32,"end":8.639999,"sentiment":"neutral","sentiment_score":-0.03715973719954491}],"sentiment":"neutral","sentiment_score":0.1778587673145991,"num_words":13,"start":1.8399999,"end":8.639999},{"sentences":[{"text":"It's taking me a little to get back to you.","start":8.639999,"end":10.0,"sentiment":"neutral","sentiment_score":-0.13841541334986687},{"text":"I've been in meetings all morning.","start":10.0,"end":12.0199995,"sentiment":"neutral","sentiment_score":-0.08247596894701321},{"text":"Mhmm.","start":28.88,"end":29.38,"sentiment":"neutral","sentiment_score":-0.04892038553953171},{"text":"Yes.","start":51.55,"end":51.87,"sentiment":"neutral","sentiment_score":-0.016314350068569183},{"text":"So if she gives it to the kids, she will lose the pension.","start":51.87,"end":56.269997,"sentiment":"neutral","sentiment_score":-0.045642054424836084}],"sentiment":"neutral","sentiment_score":-0.08185778678424897,"num_words":31,"start":8.639999,"end":56.269997},{"sentences":[{"text":"Correct.","start":56.269997,"end":56.75,"sentiment":"neutral","sentiment_score":0.00951930321753025},{"text":"Because it'll be considered gifting.","start":56.75,"end":58.769997,"sentiment":"neutral","sentiment_score":-0.014837390696629881},{"text":"Or we put it through the estate or the will, which reduces the tax but doesn't completely mitigate 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state.","start":109.39,"end":112.13,"sentiment":"neutral","sentiment_score":0.057176658993258196},{"text":"Like, you don't have to set up a trust or anything like that, obviously.","start":112.19,"end":114.51,"sentiment":"neutral","sentiment_score":0.06267203470425946},{"text":"Like, we can set up a trust because then the trust can hold everything and it can just pay out money to her as an income so she can keep, like, full pensions, but that's a much more costly exercise.","start":114.51,"end":128.495,"sentiment":"neutral","sentiment_score":0.0736507022753358}],"sentiment":"neutral","sentiment_score":0.06346123278141022,"num_words":75,"start":99.915,"end":128.495},{"sentences":[{"text":"And, realistically, if anything, to the may like, to the major degree where if you were to pass away would occur, it would be a conversation that, you know, an adviser, myself, would have with your partner to help 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be self like, self funded where, you know, she doesn't rely on the pension for any form of income.","start":176.825,"end":186.44,"sentiment":"neutral","sentiment_score":0.10405093750783376},{"text":"It's just focused on you know, if something were to happen to you, her expenses would would decrease.","start":186.98,"end":192.68,"sentiment":"neutral","sentiment_score":0.14586621129678357},{"text":"And then depending on where she wants to situate herself, whether she wants to downsize the house or whatever the case may be, and then, you know, it would it would be a completely different strategy if if that were to happen.","start":194.435,"end":205.735,"sentiment":"neutral","sentiment_score":-0.18004503704252697}],"sentiment":"neutral","sentiment_score":-0.024406816272272005,"num_words":90,"start":166.665,"end":205.735},{"sentences":[{"text":"Yeah.","start":219.185,"end":219.685,"sentiment":"neutral","sentiment_score":0.013676691800355911},{"text":"It just it just depended on what your 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changeable.","start":255.095,"end":256.155,"sentiment":"neutral","sentiment_score":-0.0367259755730629},{"text":"Yep.","start":260.38998,"end":260.88998,"sentiment":"neutral","sentiment_score":0.14231081306934357},{"text":"Yeah.","start":264.07,"end":264.31,"sentiment":"neutral","sentiment_score":0.10420581698417664},{"text":"Yeah.","start":264.31,"end":264.63,"sentiment":"neutral","sentiment_score":0.0959918648004532},{"text":"So I I I I draft all the forms up, and I said I I have to send them to you for you to sign.","start":264.63,"end":269.28998,"sentiment":"neutral","sentiment_score":0.07794253528118134}],"sentiment":"neutral","sentiment_score":0.07035141774723606,"num_words":31,"start":255.095,"end":269.28998},{"sentences":[{"text":"But, yeah, I draft I draft all of them 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the day.","start":320.1,"end":324.6,"sentiment":"neutral","sentiment_score":0.23188401013612747},{"text":"I know.","start":324.82,"end":325.13998,"sentiment":"neutral","sentiment_score":0.03320390731096268},{"text":"An early mark.","start":325.13998,"end":325.78,"sentiment":"neutral","sentiment_score":0.014248492817083994}],"sentiment":"neutral","sentiment_score":0.19854522381837553,"num_words":26,"start":314.18,"end":325.78},{"sentences":[{"text":"Crazy.","start":325.78,"end":326.28,"sentiment":"neutral","sentiment_score":-0.02802057564258575},{"text":"I know.","start":326.34,"end":327.0,"sentiment":"neutral","sentiment_score":0.018695378676056862},{"text":"No.","start":331.865,"end":332.10498,"sentiment":"neutral","sentiment_score":-0.23498672246932983},{"text":"I've done that many hours that I shouldn't be here today, but I know.","start":332.10498,"end":339.72498,"sentiment":"neutral","sentiment_score":-0.24861772251980646},{"text":"I've I've definitely definitely has have heard that one.","start":345.27,"end":347.85,"sentiment":"neutral","sentiment_score":-0.10435287406047185}],"sentiment":"neutral","sentiment_score":-0.17205335268819774,"num_words":27,"start":325.78,"end":347.85},{"sentences":[{"text":"No.","start":353.34695,"end":353.84695,"sentiment":"neutral","sentiment_score":-0.04228324815630913},{"text":"No problem, sweetheart.","start":354.46695,"end":355.58694,"sentiment":"positive","sentiment_score":0.3718603352705638},{"text":"I'll have it through soon.","start":355.58694,"end":356.64694,"sentiment":"positive","sentiment_score":0.5332590878009796},{"text":"Bye.","start":358.70694,"end":359.20694,"sentiment":"neutral","sentiment_score":-0.0915682017803192}],"sentiment":"positive","sentiment_score":0.3648024994879961,"num_words":10,"start":353.34695,"end":359.20694}]}}]},{"alternatives":[{"transcript":"Good to quit. I'm Larissa. Good. Thank you. That's okay. It's the main question I want to ask. If we when we transfer the super and we're saying we changed the beneficiary straight to the defacto or spouse, if I pass first, she'll then probably more likely lose a pension because she will have all the money and that they'll then that money will then go to the kids. And then because she said that money, maybe you put her for the gift, I think she'll lose the opportunity to have a pension. Would that be correct? Yeah. Yeah. So that's right. So we won't we we can't I can't go ahead with that side of it then. We'll just have to probably keep it as I pay 707 tax. It's not my problem. I'll be dead. Right. Okay. Yeah. Okay. Yeah. We also that that is another option. Yeah. But we don't we have to set up we have to set up the site up, don't we? K. Yeah. So yeah. Okay. That's fine. Yep. Yeah. Yeah. That's right. Because we all considered she doesn't as in as she hasn't got much of super. She doesn't earn much. And by that time, when I pass her by, she'd probably be eligible. And the money that money doesn't go to her, then she'd probably be eligible, but it doesn't get counted on the house. So she's probably eligible for a a pension. If we do the why we we said, yeah, she'll lose a pension. So I don't think that's a good good plan at this stage. Yeah. Okay. Cool. Yeah. Okay. I think. Okay. I'll I'll have it discussed with us when I'm back. Because we just out of the at the top of top of Queensland at the moment. So I haven't I haven't discussed later on that one with us. That's fine. Okay. You fixed. Well yeah. I'm I'm dead. Do I care? Yeah. Yeah. So I'm not I'm not too concerned about myself. And then that's it. That's happens. And I said it's all hypothetical at the moment. So but I think at this stage, we'll well, we can always do it later as well. So don't have to do it now. So at the moment, I think we'll just keep that. Yeah. Well, I think at the at the moment, I think we'll keep that super as I've got it. Because your your on your report, you're gonna do all those forms. Yeah. Correct. Yeah. So we'll we'll we'll keep exactly what I got now as Jayden and Ashley, 40% each, and then that's why I've got 20% on that. And we'll and then we'll change it in the future if we need to. Yep. Okay. And at the moment, you're just sending me that paperwork. Is that correct? Yep. And you send that so once the so once I sign that, and then you'll then send everything else. Is that correct? Correct. Yeah. Okay. So no. Well, in that case, the ball's in your court. Well, you can pay that well. You can go home. Talking to me now. I'm not talking to anybody else. You have heard the terminology you can't bullshit a bullshit, haven't you? Hell, there you go. Can't bullshit a bullshit. Alright. Thanks for that. Send it through, and then we'll go from there. Cheers. Thank you. Bye 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to quit. I'm Larissa. Good. Thank you. That's okay.\n\nIt's the main question I want to ask. If we when we transfer the super and we're saying we changed the beneficiary straight to the defacto or spouse, if I pass first, she'll then probably more likely lose a pension because she will have all the money and that they'll then that money will then go to the kids. And then because she said that money, maybe you put her for the gift, I think she'll lose the opportunity to have a pension. Would that be correct? Yeah.\n\nYeah. So that's right. So we won't we we can't I can't go ahead with that side of it then. We'll just have to probably keep it as I pay 707 tax. It's not my problem.\n\nI'll be dead. Right. Okay. Yeah. Okay.\n\nYeah. We also that that is another option. Yeah. But we don't we have to set up we have to set up the site up, don't we? K.\n\nYeah. So yeah. Okay. That's fine. Yep.\n\nYeah. Yeah. That's right. Because we all considered she doesn't as in as she hasn't got much of super. She doesn't earn much.\n\nAnd by that time, when I pass her by, she'd probably be eligible. And the money that money doesn't go to her, then she'd probably be eligible, but it doesn't get counted on the house. So she's probably eligible for a a pension. If we do the why we we said, yeah, she'll lose a pension. So I don't think that's a good good plan at this stage.\n\nYeah. Okay. Cool. Yeah. Okay.\n\nI think. Okay. I'll I'll have it discussed with us when I'm back. Because we just out of the at the top of top of Queensland at the moment. So I haven't I haven't discussed later on that one with us.\n\nThat's fine. Okay. You fixed. Well yeah. I'm I'm dead.\n\nDo I care? Yeah. Yeah. So I'm not I'm not too concerned about myself. And then that's it.\n\nThat's happens. And I said it's all hypothetical at the moment. So but I think at this stage, we'll well, we can always do it later as well. So don't have to do it now. So at the moment, I think we'll just keep that.\n\nYeah. Well, I think at the at the moment, I think we'll keep that super as I've got it. Because your your on your report, you're gonna do all those forms. Yeah. Correct.\n\nYeah. So we'll we'll we'll keep exactly what I got now as Jayden and Ashley, 40% each, and then that's why I've got 20% on that. And we'll and then we'll change it in the future if we need to. Yep. Okay.\n\nAnd at the moment, you're just sending me that paperwork. Is that correct? Yep. And you send that so once the so once I sign that, and then you'll then send everything else. Is that correct?\n\nCorrect. Yeah. Okay. So no. Well, in that case, the ball's in your court.\n\nWell, you can pay that well. You can go home. Talking to me now. I'm not talking to anybody else. You have heard the terminology you can't bullshit a bullshit, haven't you?\n\nHell, there you go. Can't bullshit a bullshit. Alright. Thanks for that. Send it through, and then we'll go from there.\n\nCheers. Thank you. Bye bye.","paragraphs":[{"sentences":[{"text":"Good to quit.","start":0.32,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.26265297705928486},{"text":"I'm Larissa.","start":5.2799997,"end":6.02,"sentiment":"neutral","sentiment_score":0.1356433928012848},{"text":"Good.","start":6.08,"end":6.3999996,"sentiment":"positive","sentiment_score":0.5564433932304382},{"text":"Thank you.","start":6.3999996,"end":7.14,"sentiment":"positive","sentiment_score":0.6987515985965729},{"text":"That's okay.","start":12.785001,"end":13.685,"sentiment":"neutral","sentiment_score":-0.0011042365804314613}],"sentiment":"neutral","sentiment_score":0.3010983834043145,"num_words":10,"start":0.32,"end":13.685},{"sentences":[{"text":"It's the main question I want to ask.","start":14.945001,"end":18.405,"sentiment":"neutral","sentiment_score":-0.03978558303788304},{"text":"If we when we transfer the super and we're saying we changed the beneficiary straight to the defacto or spouse, if I pass first, she'll then probably more likely lose a pension because she will have all the money and that they'll then that money will then go to the kids.","start":20.305,"end":39.67,"sentiment":"neutral","sentiment_score":-0.1618682241761217},{"text":"And then because she said that money, maybe you put her for the gift, I think she'll lose the opportunity to have a pension.","start":43.705,"end":49.705,"sentiment":"neutral","sentiment_score":-0.1666236435994506},{"text":"Would that be correct?","start":49.705,"end":50.685,"sentiment":"neutral","sentiment_score":-0.06582259014248848},{"text":"Yeah.","start":52.68,"end":53.18,"sentiment":"neutral","sentiment_score":-0.01215666625648737}],"sentiment":"neutral","sentiment_score":-0.1459997564829378,"num_words":88,"start":14.945001,"end":53.18},{"sentences":[{"text":"Yeah.","start":60.6,"end":61.0,"sentiment":"neutral","sentiment_score":0.026685623452067375},{"text":"So that's right.","start":61.0,"end":61.72,"sentiment":"neutral","sentiment_score":0.055632791171471276},{"text":"So we won't we we can't I can't go ahead with that side of it then.","start":61.72,"end":65.58,"sentiment":"neutral","sentiment_score":-0.08705352386459708},{"text":"We'll just have to probably keep it as I pay 707 tax.","start":65.815,"end":68.695,"sentiment":"neutral","sentiment_score":-0.05192596837878227},{"text":"It's not my problem.","start":68.695,"end":69.494995,"sentiment":"neutral","sentiment_score":-0.00023537967354059133}],"sentiment":"neutral","sentiment_score":-0.050647931225183934,"num_words":36,"start":60.6,"end":69.494995},{"sentences":[{"text":"I'll be dead.","start":69.494995,"end":70.315,"sentiment":"neutral","sentiment_score":-0.025724174765249092},{"text":"Right.","start":79.735,"end":80.1,"sentiment":"neutral","sentiment_score":0.08457925915718079},{"text":"Okay.","start":85.86,"end":86.36,"sentiment":"neutral","sentiment_score":0.1305810511112213},{"text":"Yeah.","start":100.755,"end":100.994995,"sentiment":"neutral","sentiment_score":0.07433819770812988},{"text":"Okay.","start":100.994995,"end":101.235,"sentiment":"neutral","sentiment_score":0.06122129410505295}],"sentiment":"neutral","sentiment_score":0.03907818254083395,"num_words":7,"start":69.494995,"end":101.235},{"sentences":[{"text":"Yeah.","start":101.235,"end":101.555,"sentiment":"neutral","sentiment_score":0.048785723745822906},{"text":"We also that that is another option.","start":101.555,"end":103.475,"sentiment":"neutral","sentiment_score":0.03736482986382076},{"text":"Yeah.","start":103.475,"end":103.975,"sentiment":"neutral","sentiment_score":-0.019525136798620224},{"text":"But we don't we have to set up we have to set up the site up, don't we?","start":104.674995,"end":108.215,"sentiment":"neutral","sentiment_score":-0.0456566388408343},{"text":"K.","start":145.84999,"end":146.34999,"sentiment":"neutral","sentiment_score":0.003732125740498304}],"sentiment":"neutral","sentiment_score":-0.018831177764306112,"num_words":28,"start":101.235,"end":146.34999},{"sentences":[{"text":"Yeah.","start":146.81,"end":147.20999,"sentiment":"neutral","sentiment_score":0.03456170856952667},{"text":"So yeah.","start":147.20999,"end":148.56999,"sentiment":"neutral","sentiment_score":0.030783167108893394},{"text":"Okay.","start":148.56999,"end":149.06999,"sentiment":"neutral","sentiment_score":0.02910829707980156},{"text":"That's fine.","start":149.20999,"end":149.925,"sentiment":"neutral","sentiment_score":0.11682137846946716},{"text":"Yep.","start":149.925,"end":150.425,"sentiment":"neutral","sentiment_score":0.09627698361873628}],"sentiment":"neutral","sentiment_score":0.0650222972035408,"num_words":7,"start":146.81,"end":150.425},{"sentences":[{"text":"Yeah.","start":152.725,"end":152.965,"sentiment":"neutral","sentiment_score":0.061781495809555054},{"text":"Yeah.","start":152.965,"end":153.205,"sentiment":"neutral","sentiment_score":0.08031730353832245},{"text":"That's right.","start":153.205,"end":153.685,"sentiment":"neutral","sentiment_score":0.11814288794994354},{"text":"Because we all considered she doesn't as in as she hasn't got much of super.","start":153.685,"end":156.965,"sentiment":"neutral","sentiment_score":-0.15588807960351309},{"text":"She doesn't earn much.","start":156.965,"end":158.185,"sentiment":"negative","sentiment_score":-0.36221275478601456}],"sentiment":"neutral","sentiment_score":-0.14820815817169522,"num_words":23,"start":152.725,"end":158.185},{"sentences":[{"text":"And by that time, when I pass her by, she'd probably be eligible.","start":158.245,"end":161.065,"sentiment":"neutral","sentiment_score":-0.007337439088867261},{"text":"And the money that money doesn't go to her, then she'd probably be eligible, but it doesn't get counted on the house.","start":161.205,"end":166.83,"sentiment":"neutral","sentiment_score":-0.11718047681179913},{"text":"So she's probably eligible for a a pension.","start":166.97,"end":168.67,"sentiment":"neutral","sentiment_score":-0.18197052367031574},{"text":"If we do the why we we said, yeah, she'll lose a pension.","start":168.97,"end":172.73,"sentiment":"negative","sentiment_score":-0.39497076548062837},{"text":"So I don't think that's a good good plan at this stage.","start":172.73,"end":176.43001,"sentiment":"neutral","sentiment_score":-0.31841532451411086}],"sentiment":"neutral","sentiment_score":-0.19242242989404237,"num_words":68,"start":158.245,"end":176.43001},{"sentences":[{"text":"Yeah.","start":176.81,"end":177.31,"sentiment":"neutral","sentiment_score":0.013374099507927896},{"text":"Okay.","start":177.37,"end":177.69,"sentiment":"neutral","sentiment_score":0.02933282032608986},{"text":"Cool.","start":177.69,"end":178.19,"sentiment":"neutral","sentiment_score":0.1603693962097168},{"text":"Yeah.","start":207.04999,"end":207.45,"sentiment":"neutral","sentiment_score":0.0279438104480505},{"text":"Okay.","start":207.45,"end":207.95,"sentiment":"neutral","sentiment_score":0.041786979883909225}],"sentiment":"neutral","sentiment_score":0.054561421275138855,"num_words":5,"start":176.81,"end":207.95},{"sentences":[{"text":"I think.","start":208.17,"end":208.75,"sentiment":"neutral","sentiment_score":0.060742223635315895},{"text":"Okay.","start":209.965,"end":210.365,"sentiment":"neutral","sentiment_score":0.11114908754825592},{"text":"I'll I'll have it discussed with us when I'm back.","start":210.365,"end":212.52501,"sentiment":"neutral","sentiment_score":0.11814126372337341},{"text":"Because we just out of the at the top of top of Queensland at the moment.","start":212.52501,"end":217.005,"sentiment":"neutral","sentiment_score":-0.044575920910574496},{"text":"So I haven't I haven't discussed later on that one with us.","start":217.005,"end":220.125,"sentiment":"neutral","sentiment_score":-0.01667989542086919}],"sentiment":"neutral","sentiment_score":0.012211529083731697,"num_words":41,"start":208.17,"end":220.125},{"sentences":[{"text":"That's fine.","start":220.125,"end":220.785,"sentiment":"neutral","sentiment_score":0.26715418696403503},{"text":"Okay.","start":220.925,"end":221.425,"sentiment":"neutral","sentiment_score":0.13582590222358704},{"text":"You fixed.","start":221.725,"end":222.38501,"sentiment":"neutral","sentiment_score":0.028818143531680107},{"text":"Well yeah.","start":229.41,"end":235.73,"sentiment":"neutral","sentiment_score":-0.23641615360975266},{"text":"I'm I'm dead.","start":235.73,"end":236.77,"sentiment":"negative","sentiment_score":-0.5524681707223257}],"sentiment":"neutral","sentiment_score":-0.1402466256171465,"num_words":10,"start":220.125,"end":236.77},{"sentences":[{"text":"Do I care?","start":236.77,"end":237.51,"sentiment":"neutral","sentiment_score":-0.21212356289227804},{"text":"Yeah.","start":238.465,"end":238.965,"sentiment":"neutral","sentiment_score":-0.015384616330266},{"text":"Yeah.","start":240.305,"end":240.625,"sentiment":"neutral","sentiment_score":0.028084538877010345},{"text":"So I'm not I'm not too concerned about myself.","start":240.625,"end":242.965,"sentiment":"neutral","sentiment_score":-0.161810754901833},{"text":"And then that's it.","start":244.465,"end":245.34499,"sentiment":"neutral","sentiment_score":-0.1034041978418827}],"sentiment":"neutral","sentiment_score":-0.1385324639785621,"num_words":18,"start":236.77,"end":245.34499},{"sentences":[{"text":"That's happens.","start":245.34499,"end":245.905,"sentiment":"neutral","sentiment_score":-0.09946844726800919},{"text":"And I said it's all hypothetical at the moment.","start":245.905,"end":248.465,"sentiment":"neutral","sentiment_score":-0.11004616734054354},{"text":"So but I think at this stage, we'll well, we can always do it later as well.","start":248.465,"end":252.305,"sentiment":"neutral","sentiment_score":0.035480129806434405},{"text":"So don't have to do it now.","start":252.305,"end":254.84001,"sentiment":"neutral","sentiment_score":-0.058172346757990975},{"text":"So at the moment, I think we'll just keep that.","start":254.84001,"end":256.84,"sentiment":"neutral","sentiment_score":-0.028713633492588996}],"sentiment":"neutral","sentiment_score":-0.02845628791385227,"num_words":45,"start":245.34499,"end":256.84},{"sentences":[{"text":"Yeah.","start":256.84,"end":257.08002,"sentiment":"neutral","sentiment_score":0.11496924608945848},{"text":"Well, I think at the at the moment, I think we'll keep that super as I've got it.","start":257.08002,"end":260.28,"sentiment":"neutral","sentiment_score":0.2408780153426859},{"text":"Because your your on your report, you're gonna do all those forms.","start":260.28,"end":263.66,"sentiment":"neutral","sentiment_score":0.1241898878167073},{"text":"Yeah.","start":269.865,"end":270.025,"sentiment":"neutral","sentiment_score":0.05745840817689896},{"text":"Correct.","start":270.025,"end":270.525,"sentiment":"neutral","sentiment_score":0.08274470269680023}],"sentiment":"neutral","sentiment_score":0.18428046324036337,"num_words":33,"start":256.84,"end":270.525},{"sentences":[{"text":"Yeah.","start":270.745,"end":270.985,"sentiment":"neutral","sentiment_score":0.015299363061785698},{"text":"So we'll we'll we'll keep exactly what I got now as Jayden and Ashley, 40% each, and then that's why I've got 20% on that.","start":270.985,"end":279.945,"sentiment":"neutral","sentiment_score":0.0865426766872406},{"text":"And we'll and then we'll change it in the future if we need to.","start":279.945,"end":283.645,"sentiment":"neutral","sentiment_score":0.08464400922613484},{"text":"Yep.","start":286.08002,"end":286.48,"sentiment":"neutral","sentiment_score":0.2371157258749008},{"text":"Okay.","start":286.48,"end":286.96,"sentiment":"neutral","sentiment_score":0.12935195863246918}],"sentiment":"neutral","sentiment_score":0.08881785937895377,"num_words":42,"start":270.745,"end":286.96},{"sentences":[{"text":"And at the moment, you're just sending me that paperwork.","start":286.96,"end":289.06,"sentiment":"neutral","sentiment_score":0.061200917884707454},{"text":"Is that correct?","start":289.2,"end":290.1,"sentiment":"neutral","sentiment_score":0.06368971119324367},{"text":"Yep.","start":293.52002,"end":294.02002,"sentiment":"neutral","sentiment_score":0.18666283786296844},{"text":"And you send that so once the so once I sign that, and then you'll then send everything else.","start":294.24,"end":298.88,"sentiment":"neutral","sentiment_score":0.10785886527676332},{"text":"Is that correct?","start":298.88,"end":299.505,"sentiment":"neutral","sentiment_score":0.13032536456982294}],"sentiment":"neutral","sentiment_score":0.0952787690071596,"num_words":36,"start":286.96,"end":299.505},{"sentences":[{"text":"Correct.","start":312.14502,"end":312.64502,"sentiment":"neutral","sentiment_score":0.0841090977191925},{"text":"Yeah.","start":315.41,"end":315.65,"sentiment":"neutral","sentiment_score":0.06849518418312073},{"text":"Okay.","start":315.65,"end":315.88998,"sentiment":"neutral","sentiment_score":0.06516111642122269},{"text":"So no.","start":315.88998,"end":316.44998,"sentiment":"neutral","sentiment_score":0.014810731634497643},{"text":"Well, in that case, the ball's in your court.","start":316.44998,"end":319.03,"sentiment":"neutral","sentiment_score":0.06665425706240866}],"sentiment":"neutral","sentiment_score":0.060519655368157795,"num_words":14,"start":312.14502,"end":319.03},{"sentences":[{"text":"Well, you can pay that well.","start":328.905,"end":330.025,"sentiment":"neutral","sentiment_score":0.11463288217782974},{"text":"You can go home.","start":330.025,"end":331.005,"sentiment":"neutral","sentiment_score":0.06118915509432554},{"text":"Talking to me now.","start":337.305,"end":338.185,"sentiment":"neutral","sentiment_score":-0.1901567503809929},{"text":"I'm not talking to anybody else.","start":338.185,"end":339.54,"sentiment":"neutral","sentiment_score":-0.2332878659168879},{"text":"You have heard the terminology you can't bullshit a bullshit, haven't you?","start":340.42,"end":344.44,"sentiment":"neutral","sentiment_score":-0.1904874270160993}],"sentiment":"neutral","sentiment_score":-0.10980154399294406,"num_words":32,"start":328.905,"end":344.44},{"sentences":[{"text":"Hell, there you go.","start":348.34,"end":349.30002,"sentiment":"neutral","sentiment_score":-0.10475409403443336},{"text":"Can't bullshit a bullshit.","start":349.30002,"end":350.52002,"sentiment":"neutral","sentiment_score":-0.17555828765034676},{"text":"Alright.","start":351.50693,"end":351.90692,"sentiment":"neutral","sentiment_score":0.16217665374279022},{"text":"Thanks for that.","start":351.90692,"end":352.62692,"sentiment":"positive","sentiment_score":0.44333623846371967},{"text":"Send it through, and then we'll go from there.","start":352.62692,"end":354.40692,"sentiment":"neutral","sentiment_score":0.12037047867973645}],"sentiment":"neutral","sentiment_score":0.06925095954821223,"num_words":21,"start":348.34,"end":354.40692},{"sentences":[{"text":"Cheers.","start":355.18695,"end":355.68695,"sentiment":"neutral","sentiment_score":0.2748149633407593},{"text":"Thank you.","start":357.26694,"end":357.74695,"sentiment":"positive","sentiment_score":0.7933624386787415},{"text":"Bye bye.","start":357.74695,"end":358.48694,"sentiment":"positive","sentiment_score":0.4159677028656006}],"sentiment":"positive","sentiment_score":0.5386950492858886,"num_words":5,"start":355.18695,"end":358.48694}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Good to\n\nChannel 0: Hi, Peter. Larissa\n\nChannel 1: quit.\n\nChannel 0: from Oaktree Financial. How are you going?\n\nChannel 1: I'm Larissa. Good. Thank you.\n\nChannel 0: That's good. Sorry. It's taking me a little to get back to you. I've been in meetings all morning.\n\nChannel 1: That's okay. It's the main question I want to ask. If we when we transfer the super and we're saying we changed the beneficiary straight to the defacto or\n\nChannel 0: Mhmm.\n\nChannel 1: spouse, if I pass first, she'll then probably more likely lose a pension because she will have all the money and that they'll then that money will then go to the kids. And then because she said that money, maybe you put her for the gift, I think she'll lose the opportunity to have a pension. Would that be correct?\n\nChannel 0: Yes. So if she gives\n\nChannel 1: Yeah.\n\nChannel 0: it to the kids, she will lose the pension. Correct. Because it'll be considered gifting.\n\nChannel 1: Yeah. So that's right. So we won't we we can't I can't go ahead with that side of it then. We'll just have to probably keep it as I pay 707 tax. It's not my problem.\n\nI'll be dead.\n\nChannel 0: Or we put it through the estate or the will, which reduces the tax but doesn't completely mitigate it. It reduces\n\nChannel 1: Right.\n\nChannel 0: it by 2%, and it means that the estate can divvy it up that way. So it can still\n\nChannel 1: Okay.\n\nChannel 0: go to the kids through the estate, so the Will steps in and directs it that way to ensure that she's able to keep the pension and they're able to look after her. Cool.\n\nChannel 1: Yeah. Okay. Yeah. We also that that is another option. Yeah.\n\nChannel 0: But\n\nChannel 1: But we\n\nChannel 0: really\n\nChannel 1: don't we have to set up we have to set up the site\n\nChannel 0: mhmm.\n\nChannel 1: up, don't we?\n\nChannel 0: And it doesn't have to be set like, you don't have to set up in the state. Like, you don't have to set up a trust or anything like that, obviously. Like, we can set up a trust because then the trust can hold everything and it can just pay out money to her as an income so she can keep, like, full pensions, but that's a much more costly exercise. And, realistically, if anything, to the may like, to the major degree where if you were to pass away would occur, it would be a conversation that, you know, an adviser, myself, would have with your partner to help her.\n\nChannel 1: K.\n\nChannel 0: It's called sheltering,\n\nChannel 1: Yeah. So\n\nChannel 0: legally\n\nChannel 1: yeah. Okay.\n\nChannel 0: hiding\n\nChannel 1: That's fine. Yep.\n\nChannel 0: money from Centrelink.\n\nChannel 1: Yeah. Yeah. That's right. Because we all considered she doesn't as in as she hasn't got much of super. She doesn't earn much.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: Yeah.\n\nChannel 1: by that time, when I pass her by, she'd probably be eligible. And the money that money doesn't go to her, then she'd probably be eligible, but\n\nChannel 0: Yeah.\n\nChannel 1: it doesn't get counted on the house.\n\nChannel 0: Mhmm.\n\nChannel 1: So she's probably eligible for a a pension. If we do the why we we said, yeah, she'll lose a pension. So I don't think that's a good good\n\nChannel 0: Correct.\n\nChannel 1: plan at this stage. Yeah.\n\nChannel 0: But the other\n\nChannel 1: Okay.\n\nChannel 0: side\n\nChannel 1: Cool.\n\nChannel 0: is is that she could be self like, self funded where, you know, she doesn't rely on the pension for any form of income. It's just focused on you know, if something were to happen to you, her expenses would would decrease. And then depending on where she wants to situate herself, whether she wants to downsize the house or whatever the case may be, and then, you know, it would it would be a completely different strategy if if that were to happen.\n\nChannel 1: Yeah. Okay. I think. Okay. I'll I'll have it discussed with us when I'm back.\n\nBecause we just out of the at the top of top of Queensland at the moment. So I haven't I haven't discussed later on\n\nChannel 0: Yeah.\n\nChannel 1: that one with us. That's fine.\n\nChannel 0: It\n\nChannel 1: Okay.\n\nChannel 0: just it just depended\n\nChannel 1: You fixed.\n\nChannel 0: on what your biggest your biggest goal is. Is it is it to make sure that she retains pension, or is it to tax save? Because one's\n\nChannel 1: Well\n\nChannel 0: gonna see quite a bit of tax being paid out, and the other is going to be\n\nChannel 1: yeah. I'm\n\nChannel 0: unobtainable\n\nChannel 1: I'm\n\nChannel 0: at\n\nChannel 1: dead. Do\n\nChannel 0: this\n\nChannel 1: I\n\nChannel 0: time.\n\nChannel 1: care?\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Pretty much.\n\nChannel 1: Yeah. So I'm not I'm not too concerned about myself. And then that's it. That's happens. And I said it's all hypothetical at the moment.\n\nSo\n\nChannel 0: Yeah.\n\nChannel 1: but I think at this stage, we'll well, we can always do it later as well.\n\nChannel 0: Yeah.\n\nChannel 1: So don't have to do\n\nChannel 0: Yeah.\n\nChannel 1: it now. So at the moment,\n\nChannel 0: It's always\n\nChannel 1: I think we'll\n\nChannel 0: changeable.\n\nChannel 1: just keep that. Yeah. Well, I think at the at the moment, I think we'll keep that super as I've got it. Because\n\nChannel 0: Yep.\n\nChannel 1: your your on your report, you're gonna do all those forms.\n\nChannel 0: Yeah. Yeah. So I I I I draft all the forms up, and I said I I have to send them to you for you to sign. But, yeah,\n\nChannel 1: Yeah. Correct.\n\nChannel 0: I draft I draft\n\nChannel 1: Yeah.\n\nChannel 0: all\n\nChannel 1: So\n\nChannel 0: of\n\nChannel 1: we'll\n\nChannel 0: them\n\nChannel 1: we'll\n\nChannel 0: up.\n\nChannel 1: we'll keep exactly what I got now as Jayden and\n\nChannel 0: Yeah.\n\nChannel 1: Ashley, 40% each, and then that's why I've got 20%\n\nChannel 0: Yep.\n\nChannel 1: on that. And we'll and then we'll change it in the future if we need to.\n\nChannel 0: Yeah. Absolutely. We could do that.\n\nChannel 1: Yep. Okay. And at the moment, you're just sending me that paperwork. Is that correct?\n\nChannel 0: Yes. I'm finally sitting down at my computer to show it,\n\nChannel 1: Yep. And you send\n\nChannel 0: and\n\nChannel 1: that\n\nChannel 0: then\n\nChannel 1: so once the so once\n\nChannel 0: send it\n\nChannel 1: I\n\nChannel 0: through.\n\nChannel 1: sign that, and then you'll then send everything else. Is that correct?\n\nChannel 0: So once it's signed, basically, we we get it all implemented, and then the beneficiary forms come through to you. The contribution form comes through to you because none of that can be generated until the account's basically set up, but that\n\nChannel 1: Correct.\n\nChannel 0: all flows through from there. Yeah.\n\nChannel 1: Yeah. Okay. So no. Well, in that case, the ball's in your court.\n\nChannel 0: Perfect. I'll have it through to you very, very shortly because I would like to go home for the day. I know. An early mark. Crazy.\n\nI know.\n\nChannel 1: Well, you can pay that well. You can go home.\n\nChannel 0: No. I've done that many hours that I shouldn't be here today, but\n\nChannel 1: Talking to me now. I'm not talking to anybody\n\nChannel 0: I know.\n\nChannel 1: else. You have heard the terminology you can't bullshit a bullshit, haven't you?\n\nChannel 0: I've I've definitely definitely has have heard that one.\n\nChannel 1: Hell, there you go. Can't bullshit a bullshit. Alright. Thanks for that. Send it through, and then\n\nChannel 0: No.\n\nChannel 1: we'll go from there.\n\nChannel 0: No problem, sweetheart.\n\nChannel 1: Cheers.\n\nChannel 0: I'll have it through soon.\n\nChannel 1: Thank you. Bye bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Good to","start":0.32,"end":0.98,"sentiment":"positive","sentiment_score":0.3628055900335312}],"sentiment":"positive","sentiment_score":0.3628055900335312,"channel":1,"num_words":2,"start":0.32,"end":0.98},{"sentences":[{"text":"Hi, Peter.","start":1.8399999,"end":2.56,"sentiment":"neutral","sentiment_score":0.2036340907216072},{"text":"Larissa","start":2.56,"end":2.96,"sentiment":"neutral","sentiment_score":0.05367965251207352}],"sentiment":"neutral","sentiment_score":0.15364927798509598,"channel":0,"num_words":3,"start":1.8399999,"end":2.96},{"sentences":[{"text":"quit.","start":2.8799999,"end":3.3799999,"sentiment":"neutral","sentiment_score":0.06234775111079216}],"sentiment":"neutral","sentiment_score":0.06234775111079216,"channel":1,"num_words":1,"start":2.8799999,"end":3.3799999},{"sentences":[{"text":"from Oaktree Financial.","start":2.96,"end":3.84,"sentiment":"neutral","sentiment_score":0.06517995397249858},{"text":"How are you going?","start":3.84,"end":4.74,"sentiment":"neutral","sentiment_score":0.15847035497426987}],"sentiment":"neutral","sentiment_score":0.11848875454493932,"channel":0,"num_words":7,"start":2.96,"end":4.74},{"sentences":[{"text":"I'm Larissa.","start":5.2799997,"end":6.02,"sentiment":"neutral","sentiment_score":0.1356433928012848},{"text":"Good.","start":6.08,"end":6.3999996,"sentiment":"positive","sentiment_score":0.5564433932304382},{"text":"Thank you.","start":6.3999996,"end":7.14,"sentiment":"positive","sentiment_score":0.6987515985965729}],"sentiment":"positive","sentiment_score":0.4450466752052307,"channel":1,"num_words":5,"start":5.2799997,"end":7.14},{"sentences":[{"text":"That's 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then","start":352.62692,"end":353.42694,"sentiment":"neutral","sentiment_score":0.228918719291687}],"sentiment":"neutral","sentiment_score":0.08914879052078023,"channel":1,"num_words":17,"start":348.34,"end":353.42694},{"sentences":[{"text":"No.","start":353.34695,"end":353.84695,"sentiment":"neutral","sentiment_score":-0.04228324815630913}],"sentiment":"neutral","sentiment_score":-0.04228324815630913,"channel":0,"num_words":1,"start":353.34695,"end":353.84695},{"sentences":[{"text":"we'll go from there.","start":353.42694,"end":354.40692,"sentiment":"neutral","sentiment_score":-0.01531482208520174}],"sentiment":"neutral","sentiment_score":-0.01531482208520174,"channel":1,"num_words":4,"start":353.42694,"end":354.40692},{"sentences":[{"text":"No problem, sweetheart.","start":354.46695,"end":355.58694,"sentiment":"positive","sentiment_score":0.3718603352705638}],"sentiment":"positive","sentiment_score":0.3718603352705638,"channel":0,"num_words":3,"start":354.46695,"end":355.58694},{"sentences":[{"text":"Cheers.","start":355.18695,"end":355.68695,"sentiment":"neutral","sentiment_score":0.2748149633407593}],"sentiment":"neutral","sentiment_score":0.2748149633407593,"channel":1,"num_words":1,"start":355.18695,"end":355.68695},{"sentences":[{"text":"I'll have it through soon.","start":355.58694,"end":356.64694,"sentiment":"positive","sentiment_score":0.5332590878009796}],"sentiment":"positive","sentiment_score":0.5332590878009796,"channel":0,"num_words":5,"start":355.58694,"end":356.64694},{"sentences":[{"text":"Thank you.","start":357.26694,"end":357.74695,"sentiment":"positive","sentiment_score":0.7933624386787415},{"text":"Bye bye.","start":357.74695,"end":358.48694,"sentiment":"positive","sentiment_score":0.4159677028656006}],"sentiment":"positive","sentiment_score":0.604665070772171,"channel":1,"num_words":4,"start":357.26694,"end":358.48694},{"sentences":[{"text":"Bye.","start":358.70694,"end":359.20694,"sentiment":"neutral","sentiment_score":-0.0915682017803192}],"sentiment":"neutral","sentiment_score":-0.0915682017803192,"channel":0,"num_words":1,"start":358.70694,"end":359.20694}]},"summary":{"result":"success","short":"A representative from Oaktree Financial called a customer named Peter to discuss transferring a beneficiary to the defreact or spouse's estate. The customer is concerned about losing a pension if the beneficiary passed away and the representative explains that there is a process to ensure the customer's pension is protected and that the customer's expenses will decrease. The customer is instructed to send the beneficiary forms and contribution forms to the representative."},"intents":{"segments":[{"text":"If we when we transfer the super and we're saying we changed the beneficiary straight to the defacto or Mhmm.","start_word":47,"end_word":66,"intents":[{"intent":"Determine beneficiary change","confidence_score":0.045977682}]},{"text":"If we when we transfer the super and we're saying we changed the beneficiary straight to the defacto or Mhmm. spouse, if I pass first, she'll then probably more likely lose a pension because she will have all the money and that they'll then that money will then go to the kids.","start_word":47,"end_word":98,"intents":[{"intent":"Transfer super","confidence_score":0.3080835},{"intent":"Confirm pension change","confidence_score":0.0008207689},{"intent":"Clarify beneficiary transfer","confidence_score":0.00026280043}]},{"text":"go to the kids through the estate, so the Will steps in and directs it that way to ensure that she's able to keep the pension and they're able to look after her. Cool.","start_word":229,"end_word":262,"intents":[{"intent":"Ensure inheritance care","confidence_score":0.000015154445}]},{"text":"But But we really don't we have to set up we have to set up the site mhmm.","start_word":274,"end_word":291,"intents":[{"intent":"Set up site","confidence_score":0.81273234}]},{"text":"And it doesn't have to be set like, you don't have to set up in the state. Like, you don't have to set up a trust or anything like that, obviously. Like, we can set up a trust because then the trust can hold everything and it can just pay out money to her as an income so she can keep, like, full pensions, but that's a much more costly exercise.","start_word":295,"end_word":365,"intents":[{"intent":"Set up trust","confidence_score":0.75351286}]},{"text":"Like, we can set up a trust because then the trust can hold everything and it can just pay out money to her as an income so she can keep, like, full pensions, but that's a much more costly exercise.","start_word":326,"end_word":365,"intents":[{"intent":"Create trust","confidence_score":0.01476499},{"intent":"Create trust","confidence_score":0.015237874}]},{"text":"is is that she could be self like, self funded where, you know, she doesn't rely on the pension for any form of income. It's just focused on you know, if something were to happen to you, her expenses would would decrease.","start_word":525,"end_word":566,"intents":[{"intent":"Help in managing expenses","confidence_score":0.0000015380059},{"intent":"Create self-funding plan","confidence_score":0.009476255}]},{"text":"And then depending on where she wants to situate herself, whether she wants to downsize the house or whatever the case may be, and then, you know, it would it would be a completely different strategy if if that were to happen. Yeah.","start_word":568,"end_word":610,"intents":[{"intent":"Discuss plan","confidence_score":0.009834994}]},{"text":"on what your biggest your biggest goal is. Is it is it to make sure that she retains pension, or is it to tax save?","start_word":663,"end_word":687,"intents":[{"intent":"Discuss goals","confidence_score":0.3074224}]},{"text":"So I I I I draft all the forms up, and I said I I have to send them to you for you to sign. But, yeah, Yeah.","start_word":823,"end_word":850,"intents":[{"intent":"Draft forms","confidence_score":0.17951271},{"intent":"Send forms","confidence_score":0.560565}]},{"text":"And at the moment, you're just sending me that paperwork. Is that correct? Yes.","start_word":910,"end_word":923,"intents":[{"intent":"Verify paperwork","confidence_score":0.009194905}]}]},"sentiments":{"segments":[{"text":"Good to Hi, Peter. Larissa quit. from Oaktree Financial. How are you going? I'm Larissa.","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.1417783349752426},{"text":"Good. Thank you. That's good.","start_word":15,"end_word":19,"sentiment":"positive","sentiment_score":0.5839999318122864},{"text":"Sorry. It's taking me a little to get back to you. I've been in meetings all morning. That's okay. It's the main question I want to ask. If we when we transfer the super and we're saying we changed the beneficiary straight to the defacto or Mhmm. spouse, if I pass first, she'll then probably more likely lose a pension because she will have all the money and that they'll then that money will then go to the kids. And then because she said that money, maybe you put her for the gift, I think she'll lose the opportunity to have a pension. Would that be correct? Yes. So if she gives Yeah. it to the kids, she will lose the pension. Correct. Because it'll be considered gifting. Yeah. So that's right. So we won't we we can't I can't go ahead with that side of it then. We'll just have to probably keep it as I pay 707 tax. It's not my problem. I'll be dead. Or we put it through the estate or the will, which reduces the tax but doesn't completely mitigate it. It reduces Right. it by 2%, and it means that the estate can divvy it up that way. So it can still Okay. go to the kids through the estate, so the Will steps in and directs it that way to ensure that she's able to keep the pension and they're able to look after her. Cool. Yeah. Okay. Yeah. We also that that is another option. Yeah. But But we really don't we have to set up we have to set up the site mhmm. up, don't we? And it doesn't have to be set like, you don't have to set up in the state. Like, you don't have to set up a trust or anything like that, obviously. Like, we can set up a trust because then the trust can hold everything and it can just pay out money to her as an income so she can keep, like, full pensions, but that's a much more costly exercise. And, realistically, if anything, to the may like, to the major degree where if you were to pass away would occur, it would be a conversation that, you know, an adviser, myself, would have with your partner to help her. K. It's called sheltering, Yeah. So legally yeah. Okay. hiding That's fine. Yep. money from Centrelink. Yeah. Yeah. That's right. Because we all considered she doesn't as in as she hasn't got much of super.","start_word":20,"end_word":440,"sentiment":"neutral","sentiment_score":-0.022728904694619627},{"text":"She doesn't earn much.","start_word":441,"end_word":444,"sentiment":"negative","sentiment_score":-0.3668522238731384},{"text":"Yeah. And Yeah. by that time, when I pass her by, she'd probably be eligible. And the money that money doesn't go to her, then she'd probably be eligible, but Yeah. it doesn't get counted on the house. Mhmm. So she's probably eligible for a a pension.","start_word":445,"end_word":491,"sentiment":"neutral","sentiment_score":-0.10175448656082152},{"text":"If we do the why we we said, yeah, she'll lose a pension. So I don't think that's a good good Correct.","start_word":492,"end_word":513,"sentiment":"negative","sentiment_score":-0.4009588360786438},{"text":"plan at this stage. Yeah. But the other Okay. side Cool. is is that she could be self like, self funded where, you know, she doesn't rely on the pension for any form of income. It's just focused on you know, if something were to happen to you, her expenses would would decrease. And then depending on where she wants to situate herself, whether she wants to downsize the house or whatever the case may be, and then, you know, it would it would be a completely different strategy if if that were to happen. Yeah. Okay. I think. Okay. I'll I'll have it discussed with us when I'm back. Because we just out of the at the top of top of Queensland at the moment. So I haven't I haven't discussed later on Yeah. that one with us. That's fine. It Okay. just it just depended You fixed. on what your biggest your biggest goal is. Is it is it to make sure that she retains pension, or is it to tax save? Because one's Well gonna see quite a bit of tax being paid out, and the other is going to be yeah.","start_word":514,"end_word":708,"sentiment":"neutral","sentiment_score":-0.017709005452119387},{"text":"I'm unobtainable I'm at dead.","start_word":709,"end_word":713,"sentiment":"negative","sentiment_score":-0.5782384276390076},{"text":"Do this I time. care? Yeah. Yeah. Yeah. Pretty much. Yeah. So I'm not I'm not too concerned about myself. And then that's it. That's happens. And I said it's all hypothetical at the moment. So Yeah. but I think at this stage, we'll well, we can always do it later as well. Yeah. So don't have to do Yeah. it now. So at the moment, It's always I think we'll changeable. just keep that. Yeah. Well, I think at the at the moment, I think we'll keep that super as I've got it. Because Yep. your your on your report, you're gonna do all those forms. Yeah. Yeah. So I I I I draft all the forms up, and I said I I have to send them to you for you to sign. But, yeah, Yeah. Correct. I draft I draft Yeah. all So of we'll them we'll up. we'll keep exactly what I got now as Jayden and Yeah. Ashley, 40% each, and then that's why I've got 20% Yep. on that. And we'll and then we'll change it in the future if we need to. Yeah.","start_word":714,"end_word":902,"sentiment":"neutral","sentiment_score":0.04020280904437184},{"text":"Absolutely. We could do that.","start_word":903,"end_word":907,"sentiment":"positive","sentiment_score":0.475285291671753},{"text":"Yep. Okay. And at the moment, you're just sending me that paperwork. Is that correct? Yes. I'm finally sitting down at my computer to show it, Yep. And you send and that then so once the so once send it I through. sign that, and then you'll then send everything else. Is that correct? So once it's signed, basically, we we get it all implemented, and then the beneficiary forms come through to you. The contribution form comes through to you because none of that can be generated until the account's basically set up, but that Correct. all flows through from there. Yeah. Yeah. Okay. So no. Well, in that case, the ball's in your court.","start_word":908,"end_word":1023,"sentiment":"neutral","sentiment_score":0.11252476274967194},{"text":"Perfect.","start_word":1024,"end_word":1024,"sentiment":"positive","sentiment_score":0.5719809532165527},{"text":"I'll have it through to you very, very shortly because I would like to go home for the day. I know. An early mark. Crazy. I know. Well, you can pay that well. You can go home. No. I've done that many hours that I shouldn't be here today, but Talking to me now. I'm not talking to anybody I know. else. You have heard the terminology you can't bullshit a bullshit, haven't you? I've I've definitely definitely has have heard that one. Hell, there you go. Can't bullshit a bullshit. Alright.","start_word":1025,"end_word":1116,"sentiment":"neutral","sentiment_score":-0.06950051337480545},{"text":"Thanks for that.","start_word":1117,"end_word":1119,"sentiment":"positive","sentiment_score":0.4328327476978302},{"text":"Send it through, and then No. we'll go from there.","start_word":1120,"end_word":1129,"sentiment":"neutral","sentiment_score":0.08488994836807251},{"text":"No problem, sweetheart. Cheers. I'll have it through soon. Thank you. Bye bye.","start_word":1130,"end_word":1142,"sentiment":"positive","sentiment_score":0.5038868097158579},{"text":"Bye.","start_word":1143,"end_word":1143,"sentiment":"neutral","sentiment_score":0.1978674829006195}],"average":{"sentiment":"neutral","sentiment_score":0.0009541995868429164}}}}