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Mhmm. Yep. No. That's okay. Mhmm. Yep. Okay. So from your point of view, so you are an unpaid employee from this company? Yeah. Mhmm. Okay. Mhmm. Yep. Yep. Mhmm. Okay. Yep. Okay. Yep. Oh, yeah. Yep. Mhmm. Yeah. Yeah. Not the perfect. Yeah. No. And that's a very nice thing. Okay. Beautiful. So from that, I have here that you pay yourself at the moment about $800 a month. Is that before or after tax? Yep. After tax? Okay. Perfect. So that's where you would get in your bank account, essentially? Yeah. Okay. And, obviously, the way that you are then employed by the business, do you you pay yourself the standard 12% contribution over the year? Mhmm. Yep. Yep. Perfect. And is that going into your Aware Super at the moment? Yep. Okay. Perfect. Because I can see here from the research that Jordan did that last contribution was in 2024. Mhmm. Right. I see. Okay. But on a yearly, like, from from now on, the way it's structured, you will pay yourself 12% in total over the year moving forward. Great. Perfect. No. That's good. Just because when I do, obviously, the research on your superannuation, I will do a bit of a projections and stuff as well of where you are currently tracking and if I do make a recommendation for an alternative option, where that will put you. So I just wanted to make sure I had all those information so that is good. So moving forward, it will be 12%. And will that be 12% of the 800 per month you earn after tax? Okay. Sorry. Okay. So the 800 just and I can do the math. That's okay. So 800 per month after tax and after 12% contribution has been deducted already. Is that correct? Perfect. Okay. Mhmm. Mhmm. Yep. Okay. Perfect. So happy to and how much out of the 800 that you get, how much would you want to keep? How much would you be comfortable putting into super if it was going to be a good option without obviously impacting any other goals you might have? Mhmm. Yes. Mhmm. Yep. Yes. Mhmm. Okay. Mhmm. Mhmm. Mhmm. Mhmm. Yep. Yes. Yes. Yeah. Couple of games. Tax. Yep. Okay. Okay. Yep. Yeah. That's good. Yeah. That's good. Yep. Yep. Okay. Yep. Yep. Yep. Okay. Perfect. And we've so, typically, when it comes through the contribution making extra contribution as well, the way that I would calculate it is like, okay. Well, from which purpose? Is it to save on tax, or is it to get you to your super goal? But, obviously, then the super goal is, okay. I, for example, wanna retire at 60 with a million dollars. Will I be on tax for that or not? And if I'm not on tax, then putting extra contributions will assist with that. Because, obviously, things are a bit kind of a little bit gray from, I guess, what you need from superannuation. Now, obviously, I have the combined income of a thousand a 100,000 per year, but that's not just solely from super. So the purpose for you to if putting more money into super would be mainly from the tax saving and also then, obviously, build your superannuation, not necessarily achieving a certain figure or goal when you retire. Is that correct? Yep. Yep. Yes. Yep. Yep. Yes. Yes. Okay. Okay. Okay. Perfect. Now I'll have a bit of a look. And then, also, even, you know, when we are looking at potentially branching out after superannuation as well, there's a lot of other tax effective ways you can look at to achieve that, like investment bonds and other things that are very tax effective, especially if the goal is that you wanna retire at, let's say, 50, but you still always need to draw an income, then that's a really tax effective way for for some people as well. So I'll have a bit of a look at it and then see how everything pans out. It's good to know with this as well. Yeah. Sorry. You go. Yes. Yep. Like, explore. Mhmm. Yep. Yes. Yep. Okay. Yes. And every time I do make like, if every time we do make a recommendation, because it's personalized advice, I would provide you with all the research and stuff anyway to obviously back up everything so that you can also obviously see where it all comes from, and you can also check everything yourself if you'd like to do that. So that is no problem. So we'll definitely do that. Alright. So that is essentially for everything for your super and that now insurances. What are your thoughts on insurances? Is that important to you? How do you feel about insurances? Mhmm. Mhmm. Yep. Okay. Yeah. Yeah. Yep. Yep. Yep. Would you need? Yep. Correct. Correct. And it's one of those things that's, like, for a lot of people, the the purpose of having insurance is to cover the shortfall for if something were to happen to you, if you don't wanna leave your family in a very tricky situation when they're forced to sell the house or you can't like, you're in a really, really bad position. So the purpose of this is to to cover that gap if you are not self insured. It doesn't mean that everyone have to have insurances if you are in a good position. So you kind of wanna have a bit of a balance. So if we look at if we start, for example, life insurance, so that is obviously if something were to happen to you. Now I usually go with, okay. If something were to happen to you, what would you like to have happen? So not necessarily a standardized earning this many much income, money to cover this many years. It's more than what do you want to have happen. So, for example, most people go, well, I want all my debt paid out. I want my mortgage paid off. So if something were to happen to me, I don't wanna leave any debt for my partner so that they're forced to sell the house. Now for you, because you have everything sitting in the offset, is that correct for your mortgage and no other debt, that won't be a a a factor. Then, yeah, then the other thing is, okay. Well because you guys don't have financial dependents? No. Then that's sometimes where people would go like, okay. Well, I want to make sure that I give x amount to my children if something were to happen. I wanna leave this behind to help cover private schooling or whatever it might be, especially if you have small small children. So if that's not necessarily yeah. Yep. Yep. Yeah. Yep. Yep. Yep. Mhmm. Yep. Mhmm. Yep. Yep. Yep. Okay. And if something also would've happened to you, from an estate point of view, would you like it to go to Alan? Mhmm. Mhmm. Yes. Oh, I'm sorry to hear that. Yep. Yep. Mhmm. Yeah. Oh, that's beautiful. Mhmm. Okay. Yep. Mhmm. It's that. Okay. Okay. Yep. Mhmm. Yes. Get access. Yep. Yep. Yep. Yes. Yeah. Yep. What? Yeah. And will is definitely the best way for that, because especially if you already have cash put aside for your mom, then having that stipulated in a will would be good. Now for, obviously, superannuations are also, obviously, all your assets. But if something were to happen to you, you also have your super balance. So that would still be another 215,000 paid out if something were to happen to you. Now if that goes to your spouse, it is completely tax free. So he would then receive everything tax free. There are sometimes, like, if it's not going through a financial dependent or a spouse or someone that you live with or have a, like, interdependency relationship with, which it doesn't sound like your mom, then she would if it would go from not cash, and let's say you instead wanna go, I wanna give a portion from my super to her, then she would be liable most likely to pay tax on her benefits. But if you have it in cash already, then, obviously, that wouldn't be the case. So especially if you already have the money put aside in a cash account or time deposit or something for your mom interview, then having your super to Alan will be tax free to him. And then, obviously, then you can decide how you want to then distribute the rest of the assets. So more goes to your mom if you wanted to. So alright. Perfect. So life insurance might not be that important then. Do you feel like you want a life insurance policy? Do you feel like you want to leave extra behind for Alan if you were to pass away, or do you think he would be okay financially? Or how do you feel about life insurance? Mhmm. So for Yeah. Okay. Okay. Yeah. Because, obviously because with the the insurance, it's like you pay a yearly premium for it in the event that you would ever need it. Now often, you would hope you never have to use it, and then you're just paying for that safety net to have it. We can look at any amount. So if you were like, no. I want a million dollars left behind. We can look at that. The premium depends on the insurer, so it depends on your your health, your occupation, lifestyle, and stuff like that. So it is quite tailored to you. So if it was something that you were like, oh, you know, I'd be interested in looking at x amount of life insurance. I can get a quote and stuff for you. But if you feel like based on what you were telling me, there is no need for it, then I won't include life because it it it also comes with, like, the premium. So it's like if if you wanted to leave anything extra or there wasn't anything else you wanna cover for, we can do it. But from what you were telling me, it seems like life might not be that important if you don't have any debts paid out, you don't have any financial dependents, and Alan is okay with his income if something were to happen to you unless you want an extra buffer left in a life insurance policy for your mom or something else? Or what do you kinda think about life? Are you quite happy to not have life insurance? Or what do you think? Mhmm. Yep. Okay. Yep. Mhmm. Mhmm. Mhmm. Okay. Yep. Yep. Yep. Yes. Okay. I'll just put a little TBC on it, and then you can chat to Alan. Now do you have time to talk about the other insurance policies, or how are you for time? Yep. Okay. The other one is then your TPD. That is totally and permanently disabled, and that is if you were to something would happen to you, and you can never go back to work again. There is a life there is a insurance policy you can take out in that situation. Is that something you feel like you wanna look at, or what are your thoughts on the total permanent disability? Do you feel like you need it? Mhmm. Yep. Yep. Yes. Mhmm. Yep. Yep. Separate. Yep. So TPD. Now do you have an amount you would like me to look at when it comes through, like, a payout? Not really because, again, it comes down to your situation. So, again, most people go, cool. I want my mortgage paid off. So there's, let's say, 400,000 allocated to that. I want a 100,200 allocated for medical expenses if you need to make modifications to the home or something like that. Other people go, well, I don't need that. If something were to happen today, I want my income covered till I turn 60, until I'm 50. So it's very dependent on what you want. Yes. But then if you were to full TPD, you can actually get your super paid out as well. But, obviously, that would then only last for so long. Mhmm. Correct. Correct. Otherwise, have a think about it. Because then you have a think about life and take a day. Yeah. And then I can even give you a call maybe, like, next week. And then that gives you a bit of time to think about the insurances. Speak to Alan as well on what you want to do. And then if it is that you want to explore the the TPD, we can go through a bit of a pre assessment questionnaire as well when we have a bit more time. Because then what I'll do from there is I will then send it off to the insurance, and they will then give me a breakdown of how much it will cost and stuff like that for you. Now you mentioned otherwise income replacement. That's not really something you're interested in right now. So income protection. Was that correct? Nope. No problem. And the last insurance that is available is trauma cover. Have you ever heard of trauma insurance? Trauma insurance? Yeah. No? No. Sorry. Basically, trauma, trauma insurance will be paid out if you have a specific medical condition. So often, it will be like cancer, stroke, heart attack, different neurological conditions. Now with trauma, it is not something you have to prove that you can't go back to work. So for income protection, total permanent disability, you have to prove that you cannot go back to work. So for example, let's say let's say you have a heart attack, you go to hospital, but then you recover and can go back to work. You're not gonna get paid out TPD because you are not totally and permanently disabled. But you might want to take some time off. You might want to see a heart specialist. You might need your partner to take some time off and help you. That's kind of where this insurance policy can come in handy to give you a bit of a buffer of a bit of a payout. Now trauma is also tax free. With TPD, if you're under 60, it will be taxed when it comes out. So it is a bit of a different function to it. Often is if you don't have a lot of cash and stuff like that or you don't wanna touch any of that, trauma is, like, another kind of, I guess, policy to help in that situation. The thing to know is a trauma because it's paid tax free directly to your back pocket, you can't have it inside super. For the other three, you can have paid from superannuation to not impact cash flow. Trauma, you don't. You can't. Nope. That's okay. Especially from your and often, again, it's where people, let's say, have an income protection policy as well, which which you can only cover 70% of your income. That's not enough to meet their living expenses or anything like that. Sometimes you can top up potentially by trauma depending on their eligibility for it or if you just need a a lump sum, let's say, a 100,000, 50,000, 200,000 to assist if something were to happen if you do not have any assets. So if you you guys are in a pretty good financial situation asset wise, so then it would just be if you wanted a buffer. But it would just be then potentially total permanent disability for you. Now when do you want me to give you a call to check-in once you've spoken to Alan in regards to the insurances? Yep. Let me have a look here. About ten. Let me see. I could do is Monday usually best for you? Yep. Okay. Perfect. Because my Monday mornings are usually quite busy, but let me have a look. I could do eleven. Would that work? Next Monday, the eighth? Yeah. Yep. Okay. Beautiful. Well, that is Monday, the eighth. I will give you a call just to check-in about total permanent disability. And if you wanted to explore that way, we'll do a bit of a pre assessment, and then we can schedule in your statement of advice presentation at that time as well. Now I have also sent an email to Alan because I am looking at doing advice for him jointly as well. Part of it was looking at the spousal contribution. So if that's not something, I might give him a call as well or try to get in touch with him before Monday and check-in. Because if I can get all the information from him as well, before Monday, then I can book you both in together and get this kind of underway for you. Yep. Alright. Perfect. Would you like a reminder text at, like, an hour or two before the appointment in case something comes up for you? No? Okay. Yep. So Monday, June 8 at 11AM, I'll give you a call and just to kinda touch base with those insurances. And then that is basically, yeah, most of it. Then it's just to kinda reconfirm a couple of other information, and we are good to go. Yep. Yes. Mhmm. Yep. Oh, perfect. So he'll be home. Okay. That's good. Because otherwise, yeah, I'll make it a little bit longer, and then I might send is he usually best on emails or phone calls? Email? Yep. Alright. Perfect. Because otherwise, I'll say that I spoke to you today, and I have booked him in tentatively to kind of call at the end of that conversation, and we can kind of finalize everything. And if that doesn't work for him, we can we can do another time. Yeah. Beautiful. Tag team. Yes. Yep. Yes. Alright. Beautiful. That sounds great. Well, thank you so much for your time today. I know it was a long one. So I appreciate your your patience, and I look forward to speaking with you again next Monday. Mhmm. No problem. We'll speak soon, and you enjoy the rest of your day. 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I'm just cut off there. That's all good. Sorry. You did cut off.\n\nI know you said it was set up as a company and as something with the accounts, and then I lost you. Mhmm. Mhmm. Yes. Mhmm.\n\nMhmm. Yep. No. That's okay. Mhmm.\n\nYep. Okay. So from your point of view, so you are an unpaid employee from this company? Yeah. Mhmm.\n\nOkay. Mhmm. Yep. Yep. Mhmm.\n\nOkay. Yep. Okay. Yep. Oh, yeah.\n\nYep. Mhmm. Yeah. Yeah. Not the perfect.\n\nYeah. No. And that's a very nice thing. Okay. Beautiful.\n\nSo from that, I have here that you pay yourself at the moment about $800 a month. Is that before or after tax? Yep. After tax? Okay.\n\nPerfect. So that's where you would get in your bank account, essentially? Yeah. Okay. And, obviously, the way that you are then employed by the business, do you you pay yourself the standard 12% contribution over the year?\n\nMhmm. Yep. Yep. Perfect. And is that going into your Aware Super at the moment?\n\nYep. Okay. Perfect. Because I can see here from the research that Jordan did that last contribution was in 2024. Mhmm.\n\nRight. I see. Okay. But on a yearly, like, from from now on, the way it's structured, you will pay yourself 12% in total over the year moving forward. Great.\n\nPerfect. No. That's good. Just because when I do, obviously, the research on your superannuation, I will do a bit of a projections and stuff as well of where you are currently tracking and if I do make a recommendation for an alternative option, where that will put you. So I just wanted to make sure I had all those information so that is good.\n\nSo moving forward, it will be 12%. And will that be 12% of the 800 per month you earn after tax? Okay. Sorry. Okay.\n\nSo the 800 just and I can do the math. That's okay. So 800 per month after tax and after 12% contribution has been deducted already. Is that correct? Perfect.\n\nOkay. Mhmm. Mhmm. Yep. Okay.\n\nPerfect. So happy to and how much out of the 800 that you get, how much would you want to keep? How much would you be comfortable putting into super if it was going to be a good option without obviously impacting any other goals you might have? Mhmm. Yes.\n\nMhmm. Yep. Yes. Mhmm. Okay.\n\nMhmm. Mhmm. Mhmm. Mhmm. Yep.\n\nYes. Yes. Yeah. Couple of games. Tax.\n\nYep. Okay. Okay. Yep. Yeah.\n\nThat's good. Yeah. That's good. Yep. Yep.\n\nOkay. Yep. Yep. Yep. Okay.\n\nPerfect. And we've so, typically, when it comes through the contribution making extra contribution as well, the way that I would calculate it is like, okay. Well, from which purpose? Is it to save on tax, or is it to get you to your super goal? But, obviously, then the super goal is, okay.\n\nI, for example, wanna retire at 60 with a million dollars. Will I be on tax for that or not? And if I'm not on tax, then putting extra contributions will assist with that. Because, obviously, things are a bit kind of a little bit gray from, I guess, what you need from superannuation. Now, obviously, I have the combined income of a thousand a 100,000 per year, but that's not just solely from super.\n\nSo the purpose for you to if putting more money into super would be mainly from the tax saving and also then, obviously, build your superannuation, not necessarily achieving a certain figure or goal when you retire. Is that correct? Yep. Yep. Yes.\n\nYep. Yep. Yes. Yes. Okay.\n\nOkay. Okay. Perfect. Now I'll have a bit of a look. And then, also, even, you know, when we are looking at potentially branching out after superannuation as well, there's a lot of other tax effective ways you can look at to achieve that, like investment bonds and other things that are very tax effective, especially if the goal is that you wanna retire at, let's say, 50, but you still always need to draw an income, then that's a really tax effective way for for some people as well.\n\nSo I'll have a bit of a look at it and then see how everything pans out. It's good to know with this as well. Yeah. Sorry. You go.\n\nYes. Yep. Like, explore. Mhmm. Yep.\n\nYes. Yep. Okay. Yes. And every time I do make like, if every time we do make a recommendation, because it's personalized advice, I would provide you with all the research and stuff anyway to obviously back up everything so that you can also obviously see where it all comes from, and you can also check everything yourself if you'd like to do that.\n\nSo that is no problem. So we'll definitely do that. Alright. So that is essentially for everything for your super and that now insurances. What are your thoughts on insurances?\n\nIs that important to you? How do you feel about insurances? Mhmm. Mhmm. Yep.\n\nOkay. Yeah. Yeah. Yep. Yep.\n\nYep. Would you need? Yep. Correct. Correct.\n\nAnd it's one of those things that's, like, for a lot of people, the the purpose of having insurance is to cover the shortfall for if something were to happen to you, if you don't wanna leave your family in a very tricky situation when they're forced to sell the house or you can't like, you're in a really, really bad position. So the purpose of this is to to cover that gap if you are not self insured. It doesn't mean that everyone have to have insurances if you are in a good position. So you kind of wanna have a bit of a balance. So if we look at if we start, for example, life insurance, so that is obviously if something were to happen to you.\n\nNow I usually go with, okay. If something were to happen to you, what would you like to have happen? So not necessarily a standardized earning this many much income, money to cover this many years. It's more than what do you want to have happen. So, for example, most people go, well, I want all my debt paid out.\n\nI want my mortgage paid off. So if something were to happen to me, I don't wanna leave any debt for my partner so that they're forced to sell the house. Now for you, because you have everything sitting in the offset, is that correct for your mortgage and no other debt, that won't be a a a factor. Then, yeah, then the other thing is, okay. Well because you guys don't have financial dependents?\n\nNo. Then that's sometimes where people would go like, okay. Well, I want to make sure that I give x amount to my children if something were to happen. I wanna leave this behind to help cover private schooling or whatever it might be, especially if you have small small children. So if that's not necessarily yeah.\n\nYep. Yep. Yeah. Yep. Yep.\n\nYep. Mhmm. Yep. Mhmm. Yep.\n\nYep. Yep. Okay. And if something also would've happened to you, from an estate point of view, would you like it to go to Alan? Mhmm.\n\nMhmm. Yes. Oh, I'm sorry to hear that. Yep. Yep.\n\nMhmm. Yeah. Oh, that's beautiful. Mhmm. Okay.\n\nYep. Mhmm. It's that. Okay. Okay.\n\nYep. Mhmm. Yes. Get access. Yep.\n\nYep. Yep. Yes. Yeah. Yep.\n\nWhat? Yeah. And will is definitely the best way for that, because especially if you already have cash put aside for your mom, then having that stipulated in a will would be good. Now for, obviously, superannuations are also, obviously, all your assets. But if something were to happen to you, you also have your super balance.\n\nSo that would still be another 215,000 paid out if something were to happen to you. Now if that goes to your spouse, it is completely tax free. So he would then receive everything tax free. There are sometimes, like, if it's not going through a financial dependent or a spouse or someone that you live with or have a, like, interdependency relationship with, which it doesn't sound like your mom, then she would if it would go from not cash, and let's say you instead wanna go, I wanna give a portion from my super to her, then she would be liable most likely to pay tax on her benefits. But if you have it in cash already, then, obviously, that wouldn't be the case.\n\nSo especially if you already have the money put aside in a cash account or time deposit or something for your mom interview, then having your super to Alan will be tax free to him. And then, obviously, then you can decide how you want to then distribute the rest of the assets. So more goes to your mom if you wanted to. So alright. Perfect.\n\nSo life insurance might not be that important then. Do you feel like you want a life insurance policy? Do you feel like you want to leave extra behind for Alan if you were to pass away, or do you think he would be okay financially? Or how do you feel about life insurance? Mhmm.\n\nSo for Yeah. Okay. Okay. Yeah. Because, obviously because with the the insurance, it's like you pay a yearly premium for it in the event that you would ever need it.\n\nNow often, you would hope you never have to use it, and then you're just paying for that safety net to have it. We can look at any amount. So if you were like, no. I want a million dollars left behind. We can look at that.\n\nThe premium depends on the insurer, so it depends on your your health, your occupation, lifestyle, and stuff like that. So it is quite tailored to you. So if it was something that you were like, oh, you know, I'd be interested in looking at x amount of life insurance. I can get a quote and stuff for you. But if you feel like based on what you were telling me, there is no need for it, then I won't include life because it it it also comes with, like, the premium.\n\nSo it's like if if you wanted to leave anything extra or there wasn't anything else you wanna cover for, we can do it. But from what you were telling me, it seems like life might not be that important if you don't have any debts paid out, you don't have any financial dependents, and Alan is okay with his income if something were to happen to you unless you want an extra buffer left in a life insurance policy for your mom or something else? Or what do you kinda think about life? Are you quite happy to not have life insurance? Or what do you think?\n\nMhmm. Yep. Okay. Yep. Mhmm.\n\nMhmm. Mhmm. Okay. Yep. Yep.\n\nYep. Yes. Okay. I'll just put a little TBC on it, and then you can chat to Alan. Now do you have time to talk about the other insurance policies, or how are you for time?\n\nYep. Okay. The other one is then your TPD. That is totally and permanently disabled, and that is if you were to something would happen to you, and you can never go back to work again. There is a life there is a insurance policy you can take out in that situation.\n\nIs that something you feel like you wanna look at, or what are your thoughts on the total permanent disability? Do you feel like you need it? Mhmm. Yep. Yep.\n\nYes. Mhmm. Yep. Yep. Separate.\n\nYep. So TPD. Now do you have an amount you would like me to look at when it comes through, like, a payout? Not really because, again, it comes down to your situation. So, again, most people go, cool.\n\nI want my mortgage paid off. So there's, let's say, 400,000 allocated to that. I want a 100,200 allocated for medical expenses if you need to make modifications to the home or something like that. Other people go, well, I don't need that. If something were to happen today, I want my income covered till I turn 60, until I'm 50.\n\nSo it's very dependent on what you want. Yes. But then if you were to full TPD, you can actually get your super paid out as well. But, obviously, that would then only last for so long. Mhmm.\n\nCorrect. Correct. Otherwise, have a think about it. Because then you have a think about life and take a day. Yeah.\n\nAnd then I can even give you a call maybe, like, next week. And then that gives you a bit of time to think about the insurances. Speak to Alan as well on what you want to do. And then if it is that you want to explore the the TPD, we can go through a bit of a pre assessment questionnaire as well when we have a bit more time. Because then what I'll do from there is I will then send it off to the insurance, and they will then give me a breakdown of how much it will cost and stuff like that for you.\n\nNow you mentioned otherwise income replacement. That's not really something you're interested in right now. So income protection. Was that correct? Nope.\n\nNo problem. And the last insurance that is available is trauma cover. Have you ever heard of trauma insurance? Trauma insurance? Yeah.\n\nNo? No. Sorry. Basically, trauma, trauma insurance will be paid out if you have a specific medical condition. So often, it will be like cancer, stroke, heart attack, different neurological conditions.\n\nNow with trauma, it is not something you have to prove that you can't go back to work. So for income protection, total permanent disability, you have to prove that you cannot go back to work. So for example, let's say let's say you have a heart attack, you go to hospital, but then you recover and can go back to work. You're not gonna get paid out TPD because you are not totally and permanently disabled. But you might want to take some time off.\n\nYou might want to see a heart specialist. You might need your partner to take some time off and help you. That's kind of where this insurance policy can come in handy to give you a bit of a buffer of a bit of a payout. Now trauma is also tax free. With TPD, if you're under 60, it will be taxed when it comes out.\n\nSo it is a bit of a different function to it. Often is if you don't have a lot of cash and stuff like that or you don't wanna touch any of that, trauma is, like, another kind of, I guess, policy to help in that situation. The thing to know is a trauma because it's paid tax free directly to your back pocket, you can't have it inside super. For the other three, you can have paid from superannuation to not impact cash flow. Trauma, you don't.\n\nYou can't. Nope. That's okay. Especially from your and often, again, it's where people, let's say, have an income protection policy as well, which which you can only cover 70% of your income. That's not enough to meet their living expenses or anything like that.\n\nSometimes you can top up potentially by trauma depending on their eligibility for it or if you just need a a lump sum, let's say, a 100,000, 50,000, 200,000 to assist if something were to happen if you do not have any assets. So if you you guys are in a pretty good financial situation asset wise, so then it would just be if you wanted a buffer. But it would just be then potentially total permanent disability for you. Now when do you want me to give you a call to check-in once you've spoken to Alan in regards to the insurances? Yep.\n\nLet me have a look here. About ten. Let me see. I could do is Monday usually best for you? Yep.\n\nOkay. Perfect. Because my Monday mornings are usually quite busy, but let me have a look. I could do eleven. Would that work?\n\nNext Monday, the eighth? Yeah. Yep. Okay. Beautiful.\n\nWell, that is Monday, the eighth. I will give you a call just to check-in about total permanent disability. And if you wanted to explore that way, we'll do a bit of a pre assessment, and then we can schedule in your statement of advice presentation at that time as well. Now I have also sent an email to Alan because I am looking at doing advice for him jointly as well. Part of it was looking at the spousal contribution.\n\nSo if that's not something, I might give him a call as well or try to get in touch with him before Monday and check-in. Because if I can get all the information from him as well, before Monday, then I can book you both in together and get this kind of underway for you. Yep. Alright. Perfect.\n\nWould you like a reminder text at, like, an hour or two before the appointment in case something comes up for you? No? Okay. Yep. So Monday, June 8 at 11AM, I'll give you a call and just to kinda touch base with those insurances.\n\nAnd then that is basically, yeah, most of it. Then it's just to kinda reconfirm a couple of other information, and we are good to go. Yep. Yes. Mhmm.\n\nYep. Oh, perfect. So he'll be home. Okay. That's good.\n\nBecause otherwise, yeah, I'll make it a little bit longer, and then I might send is he usually best on emails or phone calls? Email? Yep. Alright. Perfect.\n\nBecause otherwise, I'll say that I spoke to you today, and I have booked him in tentatively to kind of call at the end of that conversation, and we can kind of finalize everything. And if that doesn't work for him, we can we can do another time. Yeah. Beautiful. Tag team.\n\nYes. Yep. Yes. Alright. Beautiful.\n\nThat sounds great. Well, thank you so much for your time today. I know it was a long one. So I appreciate your your patience, and I look forward to speaking with you again next Monday. Mhmm.\n\nNo problem. We'll speak soon, and you enjoy the rest of your day. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":2.24,"end":2.74,"sentiment":"neutral","sentiment_score":0.016587885096669197},{"text":"I'm just cut off there.","start":3.1999998,"end":4.74,"sentiment":"neutral","sentiment_score":-0.16934818476438523},{"text":"That's all good.","start":5.04,"end":6.18,"sentiment":"neutral","sentiment_score":0.31159531076749164},{"text":"Sorry.","start":7.2799997,"end":7.68,"sentiment":"neutral","sentiment_score":-0.14195138216018677},{"text":"You did cut off.","start":7.68,"end":8.4,"sentiment":"neutral","sentiment_score":-0.22123945876955986}],"sentiment":"neutral","sentiment_score":-0.06587688026151486,"num_words":14,"start":2.24,"end":8.4},{"sentences":[{"text":"I know you said it was set up as a company and as something with the accounts, and then I lost you.","start":8.4,"end":13.815,"sentiment":"neutral","sentiment_score":-0.15245619111440398},{"text":"Mhmm.","start":23.895,"end":24.395,"sentiment":"neutral","sentiment_score":-0.0017093885689973831},{"text":"Mhmm.","start":24.535,"end":25.035,"sentiment":"neutral","sentiment_score":-0.00230218842625618},{"text":"Yes.","start":27.83,"end":28.33,"sentiment":"neutral","sentiment_score":0.11503195762634276},{"text":"Mhmm.","start":45.365,"end":45.865,"sentiment":"neutral","sentiment_score":-0.003968185745179653}],"sentiment":"neutral","sentiment_score":-0.12488400037042223,"num_words":26,"start":8.4,"end":45.865},{"sentences":[{"text":"Mhmm.","start":50.260002,"end":50.760002,"sentiment":"neutral","sentiment_score":-0.0040939683094620705},{"text":"Yep.","start":53.38,"end":53.88,"sentiment":"neutral","sentiment_score":0.020670544356107712},{"text":"No.","start":60.66,"end":60.9,"sentiment":"neutral","sentiment_score":-0.11773466318845748},{"text":"That's okay.","start":60.9,"end":61.72,"sentiment":"neutral","sentiment_score":0.061777908354997635},{"text":"Mhmm.","start":73.575,"end":74.075,"sentiment":"neutral","sentiment_score":-0.04899447038769722}],"sentiment":"neutral","sentiment_score":-0.004432790136585631,"num_words":6,"start":50.260002,"end":74.075},{"sentences":[{"text":"Yep.","start":79.19,"end":79.590004,"sentiment":"neutral","sentiment_score":0.03571833297610283},{"text":"Okay.","start":79.590004,"end":80.090004,"sentiment":"neutral","sentiment_score":0.0014759032055735588},{"text":"So from your point of view, so you are an unpaid employee from this 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yeah.","start":148.27501,"end":148.935,"sentiment":"neutral","sentiment_score":0.02187222708016634}],"sentiment":"neutral","sentiment_score":0.04412532101074854,"num_words":6,"start":122.435005,"end":148.935},{"sentences":[{"text":"Yep.","start":149.22,"end":149.72,"sentiment":"neutral","sentiment_score":-0.003007476683706045},{"text":"Mhmm.","start":158.56999,"end":158.81999,"sentiment":"neutral","sentiment_score":-0.015777800232172012},{"text":"Yeah.","start":158.81999,"end":159.31999,"sentiment":"neutral","sentiment_score":-0.01407870277762413},{"text":"Yeah.","start":160.34,"end":160.84,"sentiment":"neutral","sentiment_score":-0.056200720369815826},{"text":"Not the perfect.","start":162.515,"end":163.495,"sentiment":"neutral","sentiment_score":-0.2597130686044693}],"sentiment":"neutral","sentiment_score":-0.12402912941096085,"num_words":7,"start":149.22,"end":163.495},{"sentences":[{"text":"Yeah.","start":164.515,"end":165.015,"sentiment":"neutral","sentiment_score":0.006732681766152382},{"text":"No.","start":165.075,"end":165.39499,"sentiment":"neutral","sentiment_score":0.0329723134636879},{"text":"And that's a very nice thing.","start":165.39499,"end":166.75499,"sentiment":"positive","sentiment_score":0.45522019763787586},{"text":"Okay.","start":166.75499,"end":167.075,"sentiment":"positive","sentiment_score":0.35538485646247864},{"text":"Beautiful.","start":167.075,"end":167.575,"sentiment":"positive","sentiment_score":0.4908523559570313}],"sentiment":"positive","sentiment_score":0.3617263393476605,"num_words":10,"start":164.515,"end":167.575},{"sentences":[{"text":"So from that, I have here that you pay yourself at the moment about $800 a month.","start":167.955,"end":176.79,"sentiment":"neutral","sentiment_score":0.12223577104947146},{"text":"Is that before or after tax?","start":177.09,"end":179.26999,"sentiment":"neutral","sentiment_score":0.030143195763230324},{"text":"Yep.","start":202.15999,"end":202.65999,"sentiment":"neutral","sentiment_score":-0.03748531639575958},{"text":"After tax?","start":206.0,"end":206.9,"sentiment":"neutral","sentiment_score":-0.028314401395618916},{"text":"Okay.","start":208.56,"end":209.055,"sentiment":"neutral","sentiment_score":0.05517835170030594}],"sentiment":"neutral","sentiment_score":0.08221968573828538,"num_words":27,"start":167.955,"end":209.055},{"sentences":[{"text":"Perfect.","start":209.375,"end":209.775,"sentiment":"neutral","sentiment_score":0.14795657992362976},{"text":"So that's where you would get in your bank account, essentially?","start":209.775,"end":212.03499,"sentiment":"neutral","sentiment_score":0.09198828651146455},{"text":"Yeah.","start":213.375,"end":213.875,"sentiment":"neutral","sentiment_score":0.046755336225032806},{"text":"Okay.","start":213.935,"end":214.435,"sentiment":"neutral","sentiment_score":0.04726701229810715},{"text":"And, obviously, the way that you are then employed by the business, do you you pay yourself the standard 12% contribution over the year?","start":214.81499,"end":228.75,"sentiment":"neutral","sentiment_score":0.03485943842679262}],"sentiment":"neutral","sentiment_score":0.05501254216620797,"num_words":38,"start":209.375,"end":228.75},{"sentences":[{"text":"Mhmm.","start":228.97,"end":229.47,"sentiment":"neutral","sentiment_score":0.02204360067844391},{"text":"Yep.","start":232.81,"end":233.31,"sentiment":"neutral","sentiment_score":0.03395890071988106},{"text":"Yep.","start":236.025,"end":236.525,"sentiment":"neutral","sentiment_score":0.07908140867948532},{"text":"Perfect.","start":237.625,"end":238.125,"sentiment":"neutral","sentiment_score":0.19451972842216492},{"text":"And is that going into your Aware Super at the moment?","start":238.265,"end":242.525,"sentiment":"neutral","sentiment_score":0.07824407450177452}],"sentiment":"neutral","sentiment_score":0.07935256386796634,"num_words":15,"start":228.97,"end":242.525},{"sentences":[{"text":"Yep.","start":243.78499,"end":244.105,"sentiment":"neutral","sentiment_score":0.042551200836896896},{"text":"Okay.","start":244.105,"end":244.58499,"sentiment":"neutral","sentiment_score":0.10723789781332016},{"text":"Perfect.","start":244.58499,"end":245.08499,"sentiment":"neutral","sentiment_score":0.2111429274082184},{"text":"Because I can see here from the research that Jordan did that last contribution was in 2024.","start":245.48,"end":252.7,"sentiment":"neutral","sentiment_score":0.015347474419018802},{"text":"Mhmm.","start":266.61502,"end":266.855,"sentiment":"neutral","sentiment_score":-0.02850618213415146}],"sentiment":"neutral","sentiment_score":0.028253948049885885,"num_words":21,"start":243.78499,"end":266.855},{"sentences":[{"text":"Right.","start":266.855,"end":267.355,"sentiment":"neutral","sentiment_score":-0.026370694860816},{"text":"I see.","start":267.415,"end":268.155,"sentiment":"neutral","sentiment_score":-0.0038674711249768734},{"text":"Okay.","start":273.27,"end":273.77,"sentiment":"neutral","sentiment_score":0.020066138356924057},{"text":"But on a yearly, like, from from now on, the way it's structured, you will pay yourself 12% in total over the year moving forward.","start":273.83,"end":282.25,"sentiment":"neutral","sentiment_score":0.054972635358572004},{"text":"Great.","start":283.065,"end":283.565,"sentiment":"positive","sentiment_score":0.689142644405365}],"sentiment":"neutral","sentiment_score":0.06831396765386065,"num_words":30,"start":266.855,"end":283.565},{"sentences":[{"text":"Perfect.","start":283.625,"end":284.125,"sentiment":"positive","sentiment_score":0.5402398705482483},{"text":"No.","start":284.26498,"end":284.425,"sentiment":"neutral","sentiment_score":0.2110158205032349},{"text":"That's good.","start":284.425,"end":284.82498,"sentiment":"neutral","sentiment_score":0.3120606690645218},{"text":"Just because when I do, obviously, the research on your superannuation, I will do a bit of a projections and stuff as well of where you are currently tracking and if I do make a recommendation for an alternative option, where that will put you.","start":284.82498,"end":296.62997,"sentiment":"neutral","sentiment_score":0.16245576490958533},{"text":"So I just wanted to make sure I had all those information so that is good.","start":296.62997,"end":299.99,"sentiment":"neutral","sentiment_score":0.2096338113769889}],"sentiment":"neutral","sentiment_score":0.18523119126374904,"num_words":65,"start":283.625,"end":299.99},{"sentences":[{"text":"So moving forward, it will be 12%.","start":299.99,"end":303.90997,"sentiment":"neutral","sentiment_score":0.14704684700284684},{"text":"And will that be 12% of the 800 per month you earn after tax?","start":303.90997,"end":309.84998,"sentiment":"neutral","sentiment_score":0.041705384850502014},{"text":"Okay.","start":325.0,"end":325.5,"sentiment":"neutral","sentiment_score":-0.016117844730615616},{"text":"Sorry.","start":333.72,"end":334.22,"sentiment":"neutral","sentiment_score":-0.05383254587650299},{"text":"Okay.","start":338.175,"end":338.675,"sentiment":"neutral","sentiment_score":0.0214653592556715}],"sentiment":"neutral","sentiment_score":0.06519659523231287,"num_words":24,"start":299.99,"end":338.675},{"sentences":[{"text":"So the 800 just and I can do the math.","start":338.975,"end":342.335,"sentiment":"neutral","sentiment_score":0.035877961479127404},{"text":"That's okay.","start":342.335,"end":342.815,"sentiment":"neutral","sentiment_score":0.08345777168869972},{"text":"So 800 per month after tax and after 12% contribution has been deducted already.","start":342.815,"end":350.675,"sentiment":"neutral","sentiment_score":0.03364470947001662},{"text":"Is that correct?","start":350.87,"end":351.69,"sentiment":"neutral","sentiment_score":0.031517477706074715},{"text":"Perfect.","start":352.63,"end":353.03,"sentiment":"neutral","sentiment_score":0.2610054612159729}],"sentiment":"neutral","sentiment_score":0.04507596616943677,"num_words":30,"start":338.975,"end":353.03},{"sentences":[{"text":"Okay.","start":353.03,"end":353.53,"sentiment":"neutral","sentiment_score":0.11819635331630708},{"text":"Mhmm.","start":353.99002,"end":354.49002,"sentiment":"neutral","sentiment_score":0.06313411891460419},{"text":"Mhmm.","start":362.15,"end":362.65,"sentiment":"neutral","sentiment_score":0.15962739288806915},{"text":"Yep.","start":375.86002,"end":376.34,"sentiment":"neutral","sentiment_score":0.11273711919784546},{"text":"Okay.","start":376.34,"end":376.66,"sentiment":"neutral","sentiment_score":0.21993593871593475}],"sentiment":"neutral","sentiment_score":0.1347261846065521,"num_words":5,"start":353.03,"end":376.66},{"sentences":[{"text":"Perfect.","start":376.66,"end":377.14,"sentiment":"positive","sentiment_score":0.4367179274559021},{"text":"So happy to and how much out of the 800 that you get, how much would you want to keep?","start":377.14,"end":385.78,"sentiment":"neutral","sentiment_score":0.2922048229724169},{"text":"How much would you be comfortable putting into super if it was going to be a good option without obviously impacting any other goals you might 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not?","start":544.065,"end":545.905,"sentiment":"neutral","sentiment_score":0.0497807330555386},{"text":"And if I'm not on tax, then putting extra contributions will assist with that.","start":545.905,"end":550.2,"sentiment":"neutral","sentiment_score":0.1170821985495942},{"text":"Because, obviously, things are a bit kind of a little bit gray from, I guess, what you need from superannuation.","start":550.68,"end":556.94,"sentiment":"neutral","sentiment_score":-0.10157974883913994},{"text":"Now, obviously, I have the combined income of a thousand a 100,000 per year, but that's not just solely from super.","start":557.16003,"end":563.66003,"sentiment":"neutral","sentiment_score":0.02053696196526289}],"sentiment":"neutral","sentiment_score":0.02667357080926498,"num_words":75,"start":540.54504,"end":563.66003},{"sentences":[{"text":"So the purpose for you to if putting more money into super would be mainly from the tax saving and also then, obviously, build your superannuation, not 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you with all the research and stuff anyway to obviously back up everything so that you can also obviously see where it all comes from, and you can also check everything yourself if you'd like to do that.","start":675.885,"end":692.54004,"sentiment":"neutral","sentiment_score":0.3136874726663033}],"sentiment":"neutral","sentiment_score":0.31489165930543095,"num_words":64,"start":670.28503,"end":692.54004},{"sentences":[{"text":"So that is no problem.","start":692.54004,"end":694.22003,"sentiment":"positive","sentiment_score":0.3571499824523926},{"text":"So we'll definitely do that.","start":694.22003,"end":695.66003,"sentiment":"positive","sentiment_score":0.4189751148223877},{"text":"Alright.","start":695.66003,"end":696.14,"sentiment":"neutral","sentiment_score":0.20306611061096191},{"text":"So that is essentially for everything for your super and that now insurances.","start":696.14,"end":704.485,"sentiment":"neutral","sentiment_score":0.22864841268612787},{"text":"What are your 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that.","start":959.18,"end":960.72003,"sentiment":"neutral","sentiment_score":-0.11342528276145458},{"text":"Yep.","start":965.565,"end":966.065,"sentiment":"positive","sentiment_score":0.3735847473144531},{"text":"Yep.","start":967.965,"end":968.465,"sentiment":"neutral","sentiment_score":0.16792498528957367}],"sentiment":"neutral","sentiment_score":-0.014292098581790924,"num_words":10,"start":953.98,"end":968.465},{"sentences":[{"text":"Mhmm.","start":972.925,"end":973.425,"sentiment":"neutral","sentiment_score":0.11901310086250304},{"text":"Yeah.","start":975.18,"end":975.58,"sentiment":"neutral","sentiment_score":0.3199554681777954},{"text":"Oh, that's beautiful.","start":975.58,"end":976.48,"sentiment":"positive","sentiment_score":0.5882112383842468},{"text":"Mhmm.","start":980.45996,"end":980.95996,"sentiment":"neutral","sentiment_score":-0.03390176221728325},{"text":"Okay.","start":988.075,"end":988.575,"sentiment":"neutral","sentiment_score":-0.02707967348396778}],"sentiment":"neutral","sentiment_score":0.306088692641684,"num_words":7,"start":972.925,"end":988.575},{"sentences":[{"text":"Yep.","start":989.915,"end":990.415,"sentiment":"neutral","sentiment_score":-0.008893567137420177},{"text":"Mhmm.","start":994.555,"end":995.055,"sentiment":"neutral","sentiment_score":-0.017733335494995117},{"text":"It's that.","start":998.57,"end":999.29004,"sentiment":"neutral","sentiment_score":-0.040751863270998},{"text":"Okay.","start":999.29004,"end":999.79004,"sentiment":"neutral","sentiment_score":-0.02102299965918064},{"text":"Okay.","start":1000.33,"end":1000.83,"sentiment":"neutral","sentiment_score":0.018906954675912857}],"sentiment":"neutral","sentiment_score":-0.018374445692946512,"num_words":6,"start":989.915,"end":1000.83},{"sentences":[{"text":"Yep.","start":1001.13,"end":1001.63,"sentiment":"neutral","sentiment_score":0.016049811616539955},{"text":"Mhmm.","start":1005.21,"end":1005.71,"sentiment":"neutral","sentiment_score":-0.017780877649784088},{"text":"Yes.","start":1009.37,"end":1009.87,"sentiment":"neutral","sentiment_score":-0.002548886463046074},{"text":"Get access.","start":1017.085,"end":1017.905,"sentiment":"neutral","sentiment_score":-0.06120141036808491},{"text":"Yep.","start":1017.965,"end":1018.465,"sentiment":"neutral","sentiment_score":-0.027649547904729843}],"sentiment":"neutral","sentiment_score":-0.02572205352286498,"num_words":6,"start":1001.13,"end":1018.465},{"sentences":[{"text":"Yep.","start":1018.765,"end":1019.265,"sentiment":"neutral","sentiment_score":-0.02486759796738625},{"text":"Yep.","start":1027.4199,"end":1027.9199,"sentiment":"neutral","sentiment_score":-0.05760619044303894},{"text":"Yes.","start":1034.475,"end":1034.975,"sentiment":"neutral","sentiment_score":-0.09214849025011064},{"text":"Yeah.","start":1036.795,"end":1037.295,"sentiment":"neutral","sentiment_score":-0.11932503432035446},{"text":"Yep.","start":1038.475,"end":1038.975,"sentiment":"neutral","sentiment_score":-0.0587415024638176}],"sentiment":"neutral","sentiment_score":-0.07053776308894158,"num_words":5,"start":1018.765,"end":1038.975},{"sentences":[{"text":"What?","start":1039.4349,"end":1039.9349,"sentiment":"neutral","sentiment_score":-0.06390874087810516},{"text":"Yeah.","start":1039.995,"end":1040.495,"sentiment":"neutral","sentiment_score":-0.04723198711872101},{"text":"And will is definitely the best way for that, because especially if you already have cash put aside for your mom, then having that stipulated in a will would be good.","start":1040.635,"end":1053.67,"sentiment":"positive","sentiment_score":0.3504949365892718},{"text":"Now for, obviously, superannuations are also, obviously, all your assets.","start":1055.25,"end":1059.67,"sentiment":"neutral","sentiment_score":0.1569914363324642},{"text":"But if something were to happen to you, you also have your super balance.","start":1059.81,"end":1063.17,"sentiment":"neutral","sentiment_score":0.07695636233048779}],"sentiment":"neutral","sentiment_score":0.2351141358284574,"num_words":57,"start":1039.4349,"end":1063.17},{"sentences":[{"text":"So that would still be another 215,000 paid out if something were to happen to you.","start":1063.17,"end":1069.795,"sentiment":"neutral","sentiment_score":0.07769009144976735},{"text":"Now if that goes to your spouse, it is completely tax free.","start":1069.935,"end":1074.255,"sentiment":"neutral","sentiment_score":0.254074864089489},{"text":"So he would then receive everything tax free.","start":1074.255,"end":1076.515,"sentiment":"positive","sentiment_score":0.3560364581644535},{"text":"There are sometimes, like, if it's not going through a financial dependent or a spouse or someone that you live with or have a, like, interdependency relationship with, which it doesn't sound like your mom, then she would if it would go from not cash, and let's say you instead wanna go, I wanna give a portion from my super to her, then she would be liable most likely to pay tax on her benefits.","start":1076.8151,"end":1105.255,"sentiment":"neutral","sentiment_score":-0.12275569826364517},{"text":"But if you have it in cash already, then, obviously, that wouldn't be the case.","start":1105.84,"end":1110.74,"sentiment":"neutral","sentiment_score":-0.15292094945907592}],"sentiment":"neutral","sentiment_score":-0.03460523900058535,"num_words":126,"start":1063.17,"end":1110.74},{"sentences":[{"text":"So especially if you already have the money put aside in a cash account or time deposit or something for your mom interview, then having your super to Alan will be tax free to him.","start":1110.8799,"end":1125.8451,"sentiment":"neutral","sentiment_score":0.09094894964780126},{"text":"And then, obviously, then you can decide how you want to then distribute the rest of the assets.","start":1125.8451,"end":1130.7251,"sentiment":"neutral","sentiment_score":0.09747991835077603},{"text":"So more goes to your mom if you wanted to.","start":1130.7251,"end":1133.785,"sentiment":"neutral","sentiment_score":0.08693864606320859},{"text":"So alright.","start":1135.73,"end":1137.73,"sentiment":"neutral","sentiment_score":0.25972194969654083},{"text":"Perfect.","start":1137.73,"end":1138.23,"sentiment":"positive","sentiment_score":0.38848432898521423}],"sentiment":"neutral","sentiment_score":0.10174494631814235,"num_words":66,"start":1110.8799,"end":1138.23},{"sentences":[{"text":"So life insurance might not be that important then.","start":1138.2899,"end":1141.1699,"sentiment":"neutral","sentiment_score":-0.034077686361140676},{"text":"Do you feel like you want a life insurance policy?","start":1141.1699,"end":1143.65,"sentiment":"neutral","sentiment_score":-0.018463681824505328},{"text":"Do you feel like you want to leave extra behind for Alan if you were to pass away, or do you think he would be okay financially?","start":1143.65,"end":1151.785,"sentiment":"neutral","sentiment_score":-0.054468090611475485},{"text":"Or how do you feel about life insurance?","start":1152.965,"end":1154.665,"sentiment":"neutral","sentiment_score":-0.0033408435992896553},{"text":"Mhmm.","start":1156.405,"end":1156.905,"sentiment":"neutral","sentiment_score":-0.0304282084107399}],"sentiment":"neutral","sentiment_score":-0.0367114436220039,"num_words":55,"start":1138.2899,"end":1156.905},{"sentences":[{"text":"So for Yeah.","start":1169.2201,"end":1172.2001,"sentiment":"neutral","sentiment_score":-0.08476925392945607},{"text":"Okay.","start":1176.915,"end":1177.395,"sentiment":"neutral","sentiment_score":0.06823409348726273},{"text":"Okay.","start":1177.395,"end":1177.795,"sentiment":"neutral","sentiment_score":0.1057431772351265},{"text":"Yeah.","start":1177.795,"end":1178.035,"sentiment":"neutral","sentiment_score":0.12637442350387573},{"text":"Because, obviously because with the the insurance, it's like you pay a yearly premium for it in the event that you would ever need it.","start":1178.035,"end":1189.31,"sentiment":"neutral","sentiment_score":0.15832484886050224}],"sentiment":"neutral","sentiment_score":0.12916661786936945,"num_words":31,"start":1169.2201,"end":1189.31},{"sentences":[{"text":"Now often, you would hope you never have to use it, and then you're just paying for that safety net to have it.","start":1189.53,"end":1195.7101,"sentiment":"neutral","sentiment_score":0.14836183870616165},{"text":"We can look at any amount.","start":1197.6901,"end":1199.31,"sentiment":"neutral","sentiment_score":0.1750379577279091},{"text":"So if you were like, no.","start":1199.325,"end":1200.605,"sentiment":"neutral","sentiment_score":0.07794083406527837},{"text":"I want a million dollars left behind.","start":1200.605,"end":1202.5249,"sentiment":"neutral","sentiment_score":0.04204015327351434},{"text":"We can look at that.","start":1202.5249,"end":1203.585,"sentiment":"neutral","sentiment_score":0.12333506792783737}],"sentiment":"neutral","sentiment_score":0.12427981816073681,"num_words":47,"start":1189.53,"end":1203.585},{"sentences":[{"text":"The premium depends on the insurer, so it depends on your your health, your occupation, lifestyle, and stuff like that.","start":1203.965,"end":1213.345,"sentiment":"neutral","sentiment_score":0.19654404148459434},{"text":"So it is quite tailored to you.","start":1215.21,"end":1218.4299,"sentiment":"positive","sentiment_score":0.4632666153567178},{"text":"So if it was something that you were like, oh, you know, I'd be interested in looking at x amount of life insurance.","start":1218.97,"end":1224.99,"sentiment":"neutral","sentiment_score":0.18322569941696915},{"text":"I can get a quote and stuff for you.","start":1225.53,"end":1227.29,"sentiment":"neutral","sentiment_score":0.24487603538566166},{"text":"But if you feel like based on what you were telling me, there is no need for it, then I won't include life because it it it also comes with, like, the premium.","start":1227.29,"end":1238.575,"sentiment":"neutral","sentiment_score":-0.041710966125582206}],"sentiment":"neutral","sentiment_score":0.13277565934897764,"num_words":92,"start":1203.965,"end":1238.575},{"sentences":[{"text":"So it's like if if you wanted to leave anything extra or there wasn't anything else you wanna cover for, we can do it.","start":1238.635,"end":1244.6549,"sentiment":"neutral","sentiment_score":0.012037000230823955},{"text":"But from what you were telling me, it seems like life might not be that important if you don't have any debts paid out, you don't have any financial dependents, and Alan is okay with his income if something were to happen to you unless you want an extra buffer left in a life insurance policy for your mom or something else?","start":1244.8099,"end":1262.625,"sentiment":"neutral","sentiment_score":0.03880740023188053},{"text":"Or what do you kinda think about life?","start":1262.625,"end":1264.945,"sentiment":"neutral","sentiment_score":-0.09626002004370093},{"text":"Are you quite happy to not have life insurance?","start":1264.945,"end":1267.2849,"sentiment":"neutral","sentiment_score":-0.06877686828374863},{"text":"Or what do you think?","start":1267.4249,"end":1269.5249,"sentiment":"neutral","sentiment_score":-0.06214626207947731}],"sentiment":"neutral","sentiment_score":0.009214291987181813,"num_words":108,"start":1238.635,"end":1269.5249},{"sentences":[{"text":"Mhmm.","start":1270.065,"end":1270.565,"sentiment":"neutral","sentiment_score":-0.16173510253429413},{"text":"Yep.","start":1272.225,"end":1272.72,"sentiment":"neutral","sentiment_score":0.010835913941264153},{"text":"Okay.","start":1275.44,"end":1275.94,"sentiment":"neutral","sentiment_score":0.04738462716341019},{"text":"Yep.","start":1276.1599,"end":1276.6599,"sentiment":"neutral","sentiment_score":-0.032984375953674316},{"text":"Mhmm.","start":1280.24,"end":1280.32,"sentiment":"neutral","sentiment_score":0.07020731270313263}],"sentiment":"neutral","sentiment_score":-0.013258324936032295,"num_words":5,"start":1270.065,"end":1280.32},{"sentences":[{"text":"Mhmm.","start":1280.32,"end":1280.82,"sentiment":"neutral","sentiment_score":0.06591609120368958},{"text":"Mhmm.","start":1286.575,"end":1287.075,"sentiment":"neutral","sentiment_score":0.078486368060112},{"text":"Okay.","start":1289.455,"end":1289.955,"sentiment":"neutral","sentiment_score":0.1275201439857483},{"text":"Yep.","start":1291.295,"end":1291.795,"sentiment":"neutral","sentiment_score":0.10362862050533296},{"text":"Yep.","start":1295.215,"end":1295.715,"sentiment":"neutral","sentiment_score":0.14338427782058716}],"sentiment":"neutral","sentiment_score":0.103787100315094,"num_words":5,"start":1280.32,"end":1295.715},{"sentences":[{"text":"Yep.","start":1298.59,"end":1299.09,"sentiment":"neutral","sentiment_score":0.07696656882762909},{"text":"Yes.","start":1303.71,"end":1304.19,"sentiment":"neutral","sentiment_score":0.10173222422599792},{"text":"Okay.","start":1304.19,"end":1304.43,"sentiment":"neutral","sentiment_score":0.12528377771377563},{"text":"I'll just put a little TBC on it, and then you can chat to Alan.","start":1304.43,"end":1308.61,"sentiment":"neutral","sentiment_score":0.0985121637582779},{"text":"Now do you have time to talk about the other insurance policies, or how are you for time?","start":1309.1749,"end":1313.515,"sentiment":"neutral","sentiment_score":0.054475751601987414}],"sentiment":"neutral","sentiment_score":0.07672857099937068,"num_words":36,"start":1298.59,"end":1313.515},{"sentences":[{"text":"Yep.","start":1315.415,"end":1315.735,"sentiment":"neutral","sentiment_score":0.0390770360827446},{"text":"Okay.","start":1315.735,"end":1316.235,"sentiment":"neutral","sentiment_score":0.03725295141339302},{"text":"The other one is then your TPD.","start":1316.615,"end":1318.155,"sentiment":"neutral","sentiment_score":-0.08061402450714793},{"text":"That is totally and permanently disabled, and that is if you were to something would happen to you, and you can never go back to work again.","start":1318.215,"end":1325.5901,"sentiment":"neutral","sentiment_score":-0.2567237814267476},{"text":"There is a life there is a insurance policy you can take out in that situation.","start":1326.29,"end":1330.79,"sentiment":"neutral","sentiment_score":-0.05637163622304797}],"sentiment":"neutral","sentiment_score":-0.16002800888740099,"num_words":52,"start":1315.415,"end":1330.79},{"sentences":[{"text":"Is that something you feel like you wanna look at, or what are your thoughts on the total permanent disability?","start":1331.4901,"end":1337.2251,"sentiment":"neutral","sentiment_score":-0.06162154283374548},{"text":"Do you feel like you need it?","start":1337.285,"end":1338.745,"sentiment":"neutral","sentiment_score":-0.08367241014327322},{"text":"Mhmm.","start":1341.125,"end":1341.625,"sentiment":"neutral","sentiment_score":0.2508435845375061},{"text":"Yep.","start":1348.9801,"end":1349.4801,"sentiment":"neutral","sentiment_score":0.03263997659087181},{"text":"Yep.","start":1352.66,"end":1353.16,"sentiment":"neutral","sentiment_score":-0.025790005922317505}],"sentiment":"neutral","sentiment_score":-0.05201480574905872,"num_words":30,"start":1331.4901,"end":1353.16},{"sentences":[{"text":"Yes.","start":1354.1001,"end":1354.6001,"sentiment":"neutral","sentiment_score":0.03961365297436714},{"text":"Mhmm.","start":1357.3,"end":1357.8,"sentiment":"neutral","sentiment_score":-0.06321978569030762},{"text":"Yep.","start":1358.9801,"end":1359.38,"sentiment":"neutral","sentiment_score":0.0028671424370259047},{"text":"Yep.","start":1359.38,"end":1359.88,"sentiment":"neutral","sentiment_score":-0.0025757155381143093},{"text":"Separate.","start":1361.465,"end":1361.945,"sentiment":"neutral","sentiment_score":-0.012955515645444391}],"sentiment":"neutral","sentiment_score":-0.007254044292494655,"num_words":5,"start":1354.1001,"end":1361.945},{"sentences":[{"text":"Yep.","start":1361.945,"end":1362.1849,"sentiment":"neutral","sentiment_score":0.025591328740119938},{"text":"So TPD.","start":1362.1849,"end":1363.005,"sentiment":"neutral","sentiment_score":0.020204772241413593},{"text":"Now do you have an amount you would like me to look at when it comes through, like, a payout?","start":1364.6649,"end":1370.365,"sentiment":"neutral","sentiment_score":0.03256244650110603},{"text":"Not really because, again, it comes down to your situation.","start":1378.44,"end":1381.74,"sentiment":"neutral","sentiment_score":-0.03202264569699764},{"text":"So, again, most people go, cool.","start":1381.7999,"end":1383.88,"sentiment":"neutral","sentiment_score":0.22374415894349417}],"sentiment":"neutral","sentiment_score":0.044602264100924514,"num_words":39,"start":1361.945,"end":1383.88},{"sentences":[{"text":"I want my mortgage paid off.","start":1383.88,"end":1385.5,"sentiment":"neutral","sentiment_score":0.17402108184372386},{"text":"So there's, let's say, 400,000 allocated to that.","start":1385.855,"end":1388.995,"sentiment":"neutral","sentiment_score":0.03686849377118051},{"text":"I want a 100,200 allocated for medical expenses if you need to make modifications to the home or something like that.","start":1389.135,"end":1396.515,"sentiment":"neutral","sentiment_score":0.035215919926053},{"text":"Other people go, well, I don't need that.","start":1396.735,"end":1399.475,"sentiment":"neutral","sentiment_score":-0.19073979882523417},{"text":"If something were to happen today, I want my income covered till I turn 60, until I'm 50.","start":1399.535,"end":1407.42,"sentiment":"neutral","sentiment_score":-0.024965686206188466}],"sentiment":"neutral","sentiment_score":0.0016935740551743351,"num_words":61,"start":1383.88,"end":1407.42},{"sentences":[{"text":"So it's very dependent on what you want.","start":1408.2,"end":1412.54,"sentiment":"neutral","sentiment_score":0.012689528055489063},{"text":"Yes.","start":1419.655,"end":1420.155,"sentiment":"neutral","sentiment_score":0.20833462476730347},{"text":"But then if you were to full TPD, you can actually get your super paid out as well.","start":1420.295,"end":1425.275,"sentiment":"neutral","sentiment_score":0.21504944852656788},{"text":"But, obviously, that would then only last for so long.","start":1425.3351,"end":1428.555,"sentiment":"neutral","sentiment_score":-0.1015326227992773},{"text":"Mhmm.","start":1432.9199,"end":1433.4199,"sentiment":"neutral","sentiment_score":-0.31708067655563354}],"sentiment":"neutral","sentiment_score":0.0749561583721324,"num_words":38,"start":1408.2,"end":1433.4199},{"sentences":[{"text":"Correct.","start":1435.24,"end":1435.74,"sentiment":"neutral","sentiment_score":-0.06699962168931961},{"text":"Correct.","start":1436.28,"end":1436.78,"sentiment":"neutral","sentiment_score":-0.06315082311630249},{"text":"Otherwise, have a think about it.","start":1439.64,"end":1441.215,"sentiment":"negative","sentiment_score":-0.3604111075401306},{"text":"Because then you have a think about life and take a day.","start":1441.375,"end":1443.715,"sentiment":"neutral","sentiment_score":-0.07372591986010472},{"text":"Yeah.","start":1444.095,"end":1444.495,"sentiment":"neutral","sentiment_score":0.08376961201429367}],"sentiment":"neutral","sentiment_score":-0.14731231030254138,"num_words":21,"start":1435.24,"end":1444.495},{"sentences":[{"text":"And then I can even give you a call maybe, like, next week.","start":1444.495,"end":1449.475,"sentiment":"neutral","sentiment_score":0.093734649511484},{"text":"And then that gives you a bit of time to think about the insurances.","start":1451.2949,"end":1454.115,"sentiment":"neutral","sentiment_score":0.02688765648885497},{"text":"Speak to Alan as well on what you want to do.","start":1455.68,"end":1458.8201,"sentiment":"neutral","sentiment_score":0.06844067912210118},{"text":"And then if it is that you want to explore the the TPD, we can go through a bit of a pre assessment questionnaire as well when we have a bit more time.","start":1460.16,"end":1470.785,"sentiment":"neutral","sentiment_score":0.06000708303216732},{"text":"Because then what I'll do from there is I will then send it off to the insurance, and they will then give me a breakdown of how much it will cost and stuff like that for you.","start":1471.165,"end":1478.9451,"sentiment":"neutral","sentiment_score":0.05724615372113279}],"sentiment":"neutral","sentiment_score":0.05968672715351676,"num_words":108,"start":1444.495,"end":1478.9451},{"sentences":[{"text":"Now you mentioned otherwise income replacement.","start":1481.5801,"end":1484.64,"sentiment":"neutral","sentiment_score":-0.20305794725815454},{"text":"That's not really something you're interested in right now.","start":1485.02,"end":1487.3401,"sentiment":"negative","sentiment_score":-0.36596670084529453},{"text":"So income protection.","start":1487.3401,"end":1488.4,"sentiment":"neutral","sentiment_score":-0.12180032829443614},{"text":"Was that correct?","start":1488.4601,"end":1489.36,"sentiment":"neutral","sentiment_score":-0.10251108556985855},{"text":"Nope.","start":1489.42,"end":1489.9,"sentiment":"neutral","sentiment_score":-0.22956310212612152}],"sentiment":"neutral","sentiment_score":-0.24611569703979927,"num_words":22,"start":1481.5801,"end":1489.9},{"sentences":[{"text":"No problem.","start":1489.9,"end":1490.64,"sentiment":"neutral","sentiment_score":-0.08664624020457268},{"text":"And the last insurance that is available is trauma cover.","start":1491.02,"end":1494.235,"sentiment":"neutral","sentiment_score":-0.11380665749311447},{"text":"Have you ever heard of trauma insurance?","start":1494.235,"end":1495.775,"sentiment":"neutral","sentiment_score":-0.07692755652325493},{"text":"Trauma insurance?","start":1498.875,"end":1500.015,"sentiment":"neutral","sentiment_score":-0.1090695671737194},{"text":"Yeah.","start":1501.755,"end":1502.255,"sentiment":"neutral","sentiment_score":-0.08780260384082794}],"sentiment":"neutral","sentiment_score":-0.09799062223597006,"num_words":22,"start":1489.9,"end":1502.255},{"sentences":[{"text":"No?","start":1505.61,"end":1506.11,"sentiment":"neutral","sentiment_score":-0.11102467030286788},{"text":"No.","start":1506.73,"end":1507.23,"sentiment":"neutral","sentiment_score":-0.21636395156383512},{"text":"Sorry.","start":1508.09,"end":1508.49,"sentiment":"neutral","sentiment_score":-0.19055625796318057},{"text":"Basically, trauma, trauma insurance will be paid out if you have a specific medical condition.","start":1508.49,"end":1514.11,"sentiment":"neutral","sentiment_score":-0.1261893411477407},{"text":"So often, it will be like cancer, stroke, heart attack, different neurological conditions.","start":1514.49,"end":1520.03,"sentiment":"neutral","sentiment_score":-0.1183973249907677}],"sentiment":"neutral","sentiment_score":-0.12741774909438625,"num_words":31,"start":1505.61,"end":1520.03},{"sentences":[{"text":"Now with trauma, it is not something you have to prove that you can't go back to work.","start":1521.865,"end":1526.585,"sentiment":"neutral","sentiment_score":-0.24072359792060322},{"text":"So for income protection, total permanent disability, you have to prove that you cannot go back to work.","start":1526.585,"end":1532.55,"sentiment":"neutral","sentiment_score":-0.17587526887655258},{"text":"So for example, let's say let's say you have a heart attack, you go to hospital, but then you recover and can go back to work.","start":1532.9501,"end":1541.53,"sentiment":"neutral","sentiment_score":-0.0704450370887151},{"text":"You're not gonna get paid out TPD because you are not totally and permanently disabled.","start":1542.2301,"end":1546.49,"sentiment":"neutral","sentiment_score":-0.12284058233102163},{"text":"But you might want to take some time off.","start":1546.995,"end":1549.8151,"sentiment":"neutral","sentiment_score":-0.06508936029341486}],"sentiment":"neutral","sentiment_score":-0.13672980865420298,"num_words":86,"start":1521.865,"end":1549.8151},{"sentences":[{"text":"You might want to see a heart specialist.","start":1550.355,"end":1553.415,"sentiment":"neutral","sentiment_score":0.024495105259120464},{"text":"You might need your partner to take some time off and help you.","start":1553.955,"end":1558.135,"sentiment":"neutral","sentiment_score":0.08100237296177791},{"text":"That's kind of where this insurance policy can come in handy to give you a bit of a buffer of a bit of a payout.","start":1558.435,"end":1566.67,"sentiment":"neutral","sentiment_score":0.0759475664794445},{"text":"Now trauma is also tax free.","start":1566.97,"end":1569.39,"sentiment":"neutral","sentiment_score":0.018493913114070892},{"text":"With TPD, if you're under 60, it will be taxed when it comes out.","start":1570.81,"end":1574.59,"sentiment":"neutral","sentiment_score":0.01954893741224493}],"sentiment":"neutral","sentiment_score":0.053520143257849144,"num_words":66,"start":1550.355,"end":1574.59},{"sentences":[{"text":"So it is a bit of a different function to it.","start":1574.89,"end":1577.63,"sentiment":"neutral","sentiment_score":-0.021640321409160442},{"text":"Often is if you don't have a lot of cash and stuff like that or you don't wanna touch any of that, trauma is, like, another kind of, I guess, policy to help in that situation.","start":1578.625,"end":1589.525,"sentiment":"neutral","sentiment_score":-0.16328236812518704},{"text":"The thing to know is a trauma because it's paid tax free directly to your back pocket, you can't have it inside super.","start":1591.0499,"end":1598.35,"sentiment":"neutral","sentiment_score":-0.1469827841805375},{"text":"For the other three, you can have paid from superannuation to not impact cash flow.","start":1598.4099,"end":1602.59,"sentiment":"neutral","sentiment_score":-0.13310347199440004},{"text":"Trauma, you don't.","start":1602.97,"end":1604.9099,"sentiment":"negative","sentiment_score":-0.35852184891700745}],"sentiment":"neutral","sentiment_score":-0.14282875512303275,"num_words":88,"start":1574.89,"end":1604.9099},{"sentences":[{"text":"You can't.","start":1605.1849,"end":1606.005,"sentiment":"negative","sentiment_score":-0.39261382818222046},{"text":"Nope.","start":1608.3049,"end":1608.785,"sentiment":"neutral","sentiment_score":-0.16333609819412231},{"text":"That's okay.","start":1608.785,"end":1609.605,"sentiment":"neutral","sentiment_score":0.011544902343302965},{"text":"Especially from your and often, again, it's where people, let's say, have an income protection policy as well, which which you can only cover 70% of your income.","start":1609.905,"end":1618.385,"sentiment":"neutral","sentiment_score":-0.0711188939000879},{"text":"That's not enough to meet their living expenses or anything like that.","start":1618.385,"end":1621.13,"sentiment":"negative","sentiment_score":-0.5635603616635004}],"sentiment":"neutral","sentiment_score":-0.2151006070896983,"num_words":45,"start":1605.1849,"end":1621.13},{"sentences":[{"text":"Sometimes you can top up potentially by trauma depending on their eligibility for it or if you just need a a lump sum, let's say, a 100,000, 50,000, 200,000 to assist if something were to happen if you do not have any assets.","start":1621.13,"end":1635.075,"sentiment":"negative","sentiment_score":-0.38884063931398616},{"text":"So if you you guys are in a pretty good financial situation asset wise, so then it would just be if you wanted a buffer.","start":1635.075,"end":1641.975,"sentiment":"neutral","sentiment_score":-0.12854528576135635},{"text":"But it would just be then potentially total permanent disability for you.","start":1642.675,"end":1647.175,"sentiment":"neutral","sentiment_score":-0.28579989075660706},{"text":"Now when do you want me to give you a call to check-in once you've spoken to Alan in regards to the insurances?","start":1648.7201,"end":1655.54,"sentiment":"neutral","sentiment_score":0.020259937514429508},{"text":"Yep.","start":1660.64,"end":1661.1201,"sentiment":"neutral","sentiment_score":0.06685417890548706}],"sentiment":"neutral","sentiment_score":-0.21952447674881953,"num_words":104,"start":1621.13,"end":1661.1201},{"sentences":[{"text":"Let me have a look here.","start":1661.1201,"end":1662.7401,"sentiment":"neutral","sentiment_score":0.04757539462298155},{"text":"About ten.","start":1665.135,"end":1666.0349,"sentiment":"neutral","sentiment_score":0.012490563094615936},{"text":"Let me see.","start":1668.4149,"end":1669.715,"sentiment":"neutral","sentiment_score":0.02840640830496947},{"text":"I could do is Monday usually best for you?","start":1671.775,"end":1676.195,"sentiment":"neutral","sentiment_score":0.04793601607282957},{"text":"Yep.","start":1678.1,"end":1678.4199,"sentiment":"neutral","sentiment_score":0.06722892820835114}],"sentiment":"neutral","sentiment_score":0.0425859900812308,"num_words":21,"start":1661.1201,"end":1678.4199},{"sentences":[{"text":"Okay.","start":1678.4199,"end":1678.9,"sentiment":"neutral","sentiment_score":0.13120901584625244},{"text":"Perfect.","start":1678.9,"end":1679.4,"sentiment":"neutral","sentiment_score":0.30610203742980957},{"text":"Because my Monday mornings are usually quite busy, but let me have a look.","start":1679.5399,"end":1683.96,"sentiment":"neutral","sentiment_score":0.13195735961198807},{"text":"I could do eleven.","start":1686.02,"end":1688.36,"sentiment":"neutral","sentiment_score":0.08218907937407494},{"text":"Would that work?","start":1688.5,"end":1689.4,"sentiment":"neutral","sentiment_score":0.09155023470520973}],"sentiment":"neutral","sentiment_score":0.12557048301981844,"num_words":23,"start":1678.4199,"end":1689.4},{"sentences":[{"text":"Next Monday, the eighth?","start":1689.46,"end":1690.76,"sentiment":"neutral","sentiment_score":0.01896447129547596},{"text":"Yeah.","start":1691.205,"end":1691.705,"sentiment":"neutral","sentiment_score":0.06839630752801895},{"text":"Yep.","start":1692.1649,"end":1692.565,"sentiment":"neutral","sentiment_score":0.1009778305888176},{"text":"Okay.","start":1692.565,"end":1693.0449,"sentiment":"neutral","sentiment_score":0.21214626729488373},{"text":"Beautiful.","start":1693.0449,"end":1693.5449,"sentiment":"positive","sentiment_score":0.36475467681884766}],"sentiment":"neutral","sentiment_score":0.10276662092655897,"num_words":8,"start":1689.46,"end":1693.5449},{"sentences":[{"text":"Well, that is Monday, the eighth.","start":1694.085,"end":1695.7849,"sentiment":"neutral","sentiment_score":0.18044550468524298},{"text":"I will give you a call just to check-in about total permanent disability.","start":1695.845,"end":1700.745,"sentiment":"neutral","sentiment_score":0.1158518733886572},{"text":"And if you wanted to explore that way, we'll do a bit of a pre assessment, and then we can schedule in your statement of advice presentation at that time as well.","start":1701.445,"end":1710.2301,"sentiment":"neutral","sentiment_score":0.15134124318137765},{"text":"Now I have also sent an email to Alan because I am looking at doing advice for him jointly as well.","start":1711.65,"end":1718.2301,"sentiment":"neutral","sentiment_score":0.13611150355566115},{"text":"Part of it was looking at the spousal contribution.","start":1718.6749,"end":1721.655,"sentiment":"neutral","sentiment_score":0.025109646634923086}],"sentiment":"neutral","sentiment_score":0.12982710565865777,"num_words":81,"start":1694.085,"end":1721.655},{"sentences":[{"text":"So if that's not something, I might give him a call as well or try to get in touch with him before Monday and check-in.","start":1723.315,"end":1732.43,"sentiment":"neutral","sentiment_score":0.07793517991900444},{"text":"Because if I can get all the information from him as well, before Monday, then I can book you both in together and get this kind of underway for you.","start":1732.5701,"end":1742.43,"sentiment":"neutral","sentiment_score":0.19386647393306097},{"text":"Yep.","start":1743.93,"end":1744.43,"sentiment":"neutral","sentiment_score":0.2534323036670685},{"text":"Alright.","start":1744.5349,"end":1744.855,"sentiment":"positive","sentiment_score":0.3700533509254456},{"text":"Perfect.","start":1744.855,"end":1745.1749,"sentiment":"positive","sentiment_score":0.4345215559005738}],"sentiment":"neutral","sentiment_score":0.15211001597344875,"num_words":58,"start":1723.315,"end":1745.1749},{"sentences":[{"text":"Would you like a reminder text at, like, an hour or two before the appointment in case something comes up for you?","start":1745.1749,"end":1750.075,"sentiment":"neutral","sentiment_score":0.2156885645606301},{"text":"No?","start":1751.975,"end":1752.475,"sentiment":"neutral","sentiment_score":-0.008880860172212124},{"text":"Okay.","start":1752.5349,"end":1753.0349,"sentiment":"neutral","sentiment_score":0.035352785140275955},{"text":"Yep.","start":1754.135,"end":1754.5349,"sentiment":"neutral","sentiment_score":0.12374758720397948},{"text":"So Monday, June 8 at 11AM, I'll give you a call and just to kinda touch base with those insurances.","start":1754.5349,"end":1761.36,"sentiment":"neutral","sentiment_score":0.09653205573558807}],"sentiment":"neutral","sentiment_score":0.15168908993817037,"num_words":45,"start":1745.1749,"end":1761.36},{"sentences":[{"text":"And then that is basically, yeah, most of it.","start":1762.7,"end":1766.54,"sentiment":"neutral","sentiment_score":0.25477852092848885},{"text":"Then it's just to kinda reconfirm a couple of other information, and we are good to go.","start":1766.54,"end":1770.96,"sentiment":"positive","sentiment_score":0.39277444692219005},{"text":"Yep.","start":1774.155,"end":1774.655,"sentiment":"neutral","sentiment_score":0.11212426424026488},{"text":"Yes.","start":1777.035,"end":1777.535,"sentiment":"neutral","sentiment_score":0.12414921820163728},{"text":"Mhmm.","start":1778.715,"end":1779.215,"sentiment":"neutral","sentiment_score":0.0862341970205307}],"sentiment":"neutral","sentiment_score":0.3204372401895194,"num_words":29,"start":1762.7,"end":1779.215},{"sentences":[{"text":"Yep.","start":1780.555,"end":1781.055,"sentiment":"neutral","sentiment_score":0.06392571330070496},{"text":"Oh, perfect.","start":1782.955,"end":1785.97,"sentiment":"neutral","sentiment_score":0.2521451534703374},{"text":"So he'll be home.","start":1785.97,"end":1787.35,"sentiment":"neutral","sentiment_score":0.27661899104714394},{"text":"Okay.","start":1789.89,"end":1790.39,"sentiment":"neutral","sentiment_score":0.2054783999919891},{"text":"That's good.","start":1791.01,"end":1791.75,"sentiment":"positive","sentiment_score":0.4129093587398529}],"sentiment":"neutral","sentiment_score":0.270598910190165,"num_words":10,"start":1780.555,"end":1791.75},{"sentences":[{"text":"Because otherwise, yeah, I'll make it a little bit longer, and then I might send is he usually best on emails or phone calls?","start":1792.37,"end":1800.875,"sentiment":"neutral","sentiment_score":0.02012721650923292},{"text":"Email?","start":1804.855,"end":1805.355,"sentiment":"neutral","sentiment_score":0.0082883071154356},{"text":"Yep.","start":1805.415,"end":1805.915,"sentiment":"neutral","sentiment_score":0.01923740841448307},{"text":"Alright.","start":1809.175,"end":1809.495,"sentiment":"neutral","sentiment_score":0.1176535338163376},{"text":"Perfect.","start":1809.495,"end":1809.895,"sentiment":"neutral","sentiment_score":0.30930691957473755}],"sentiment":"neutral","sentiment_score":0.03348354875509228,"num_words":28,"start":1792.37,"end":1809.895},{"sentences":[{"text":"Because otherwise, I'll say that I spoke to you today, and I have booked him in tentatively to kind of call at the end of that conversation, and we can kind of finalize everything.","start":1809.895,"end":1820.02,"sentiment":"neutral","sentiment_score":0.11608567373717532},{"text":"And if that doesn't work for him, we can we can do another time.","start":1820.02,"end":1823.2401,"sentiment":"neutral","sentiment_score":0.008132234348782472},{"text":"Yeah.","start":1827.315,"end":1827.715,"sentiment":"neutral","sentiment_score":0.24621427059173584},{"text":"Beautiful.","start":1827.715,"end":1828.215,"sentiment":"positive","sentiment_score":0.541865348815918},{"text":"Tag team.","start":1829.5549,"end":1830.375,"sentiment":"neutral","sentiment_score":0.2284621298313141}],"sentiment":"neutral","sentiment_score":0.10203400128879227,"num_words":52,"start":1809.895,"end":1830.375},{"sentences":[{"text":"Yes.","start":1834.835,"end":1835.335,"sentiment":"neutral","sentiment_score":0.15800096094608307},{"text":"Yep.","start":1836.69,"end":1837.19,"sentiment":"neutral","sentiment_score":0.14683499932289124},{"text":"Yes.","start":1839.4099,"end":1839.9099,"sentiment":"neutral","sentiment_score":0.1717320829629898},{"text":"Alright.","start":1839.97,"end":1840.47,"sentiment":"neutral","sentiment_score":0.2419634461402893},{"text":"Beautiful.","start":1840.85,"end":1841.33,"sentiment":"positive","sentiment_score":0.8596996665000916}],"sentiment":"neutral","sentiment_score":0.315646231174469,"num_words":5,"start":1834.835,"end":1841.33},{"sentences":[{"text":"That sounds great.","start":1841.33,"end":1841.97,"sentiment":"positive","sentiment_score":0.8726935386657715},{"text":"Well, thank you so much for your time today.","start":1841.97,"end":1843.25,"sentiment":"positive","sentiment_score":0.7253697050942315},{"text":"I know it was a long one.","start":1843.25,"end":1844.5299,"sentiment":"neutral","sentiment_score":0.18391961072172439},{"text":"So I appreciate your your patience, and I look forward to speaking with you again next Monday.","start":1844.5299,"end":1849.4299,"sentiment":"positive","sentiment_score":0.33843449985279755},{"text":"Mhmm.","start":1850.8049,"end":1851.3049,"sentiment":"neutral","sentiment_score":0.29182422161102295}],"sentiment":"positive","sentiment_score":0.4453798907028662,"num_words":37,"start":1841.33,"end":1851.3049},{"sentences":[{"text":"No problem.","start":1852.405,"end":1852.885,"sentiment":"positive","sentiment_score":0.49311888217926025},{"text":"We'll speak soon, and you enjoy the rest of your day.","start":1852.885,"end":1855.225,"sentiment":"positive","sentiment_score":0.6522059169682589},{"text":"Bye.","start":1856.485,"end":1856.985,"sentiment":"neutral","sentiment_score":-0.11102183163166046}],"sentiment":"positive","sentiment_score":0.5749629299555507,"num_words":14,"start":1852.405,"end":1856.985}]}}]},{"alternatives":[{"transcript":"Hello? Yes. Oh, okay. Yep. So we're an ACN. At the time we set it up, I owed 50%. My business partner owns 50%, and we have shares. Essentially, they set up shares, and so we just own half half, essentially. It is it is a profitable business, but it's not possible in the sense of, like, there is at the end of the financial year, there is leftover money because we are at the moment in kinda like a growing phase of the business, but we have essentially employees, like I'm trying to remember, like, three or four employees. Then we have, like, a revenue of I've forgotten. Adjusted the, like, profit and loss statement. But but, essentially, we pay salaries and do all those things, But there is no profit as such after expenses are paid out at the end of the financial year to pay into, like, dividends for us. Mhmm. Yeah. So I I have like, I wear the hat of director, but then I also wear the hat of business manager. So, obviously, director doesn't actually need to do like, needs to be it's like more of a liability responsibility hat, but it doesn't necessarily mean you have to do stuff for the business day to day. So that's where my business manager hat comes on. And so for business manager related activities, we've finally reached a point where, okay, we can on the books, I work casually for the company. And so this year, we were able to pay ourselves for those activities. Yeah. The it's complicated because we are a health base, But also when we set up set up the company, we wanted to pay our employees fairly, and we also wanted to make our services accessible for the community. So we work with NDIS and, like, chronic ill patients. So for us, it wasn't about, like, we would like to make it a lot of money, but we also don't wanna, like, take advantage of people. Yep. Yes. Good question. And you know such a little amount. I was just like, oh, it's like a it was kind of like a token amount. I didn't really look into whether it was, like, before or after tax. I would have to double check my accounting software. I think it is I think that's probably after tax. Yeah. Yeah. Yep. Mhmm. Yeah. So we do so we do the like, every time a pager comes out, it comes with the the, like, standard super contributions. Mhmm. That's that same account. Yes. Yes. So that was so the big contribution so the big contribution was lost because of my corporate job in 2024. We've only started paying ourselves this year. So there is, like, a very small, like, $120 contribution. But it's it's, like, it's only been really recent. So yeah. Yeah. Yeah. Yeah. Moving forward. Yeah. Yeah. No. So that is that the a hundredth pay that got in is so what if 800 shipped my account is after, like, the super and stuff? 800 is, like what are the numbers of that? Yeah. So the super is, like, in addition to the 800. Yeah. Yeah. Yes. Yeah. Now I don't actually need that 800. So if there is, like, some benefit to just salary sacrifice since I entered into Super Bowl, like, I'm happy to do that because I'm happy to put all like, grow the super as much as I can because, yeah, at the moment, Alan's income is, like, providing for everything that we need. Yep. I'm happy to put all of it because we had a I know you originally, when I quit my job, you had a conversation with Alan about contributing to my superb, but then the discussion was that it would be after his tax, so then he would lose out on benefits. I don't remember exactly what those benefits were. So then we decided, okay. That's not, like as a team, that's not good for us as a team. So we made the decision a few months ago to not do that, but we also decided that, at the moment, we have cash in a shared account. And, also, we after seeing to our accountant, he was like, well, if she's not growing income, it would actually and if you guys still gonna stay together, which we are, then it's better to to for me to have the account and move our shared money in under my name so that it can contribute. So in that way, I'm like, okay. I'm here with that because then if anything happens, this massive amount of money is under my knee. We're not attracting tax on that. Because I'm over the tax of $50.50 on the interest on that amount. And then also we made the decision that going forward, because I manage our shared investments anyway, that I would just create another SelfWealth account under my name and use our money to invest for us, but then only I attract the any, like, gains of interest dividends of yeah. Yeah. So with that, I'm okay with letting go of super contributions because I mean, even if we divorce, it'll be split fifty fifty. Like, I wanna have very candid conversations about our relationship. There is no plan to divorce. We're very, very happy, but people change. So even depending on what happened, we are like, okay. It's $50.50 anyway. Even if I'm not contributing financially now yeah. Mhmm. Mhmm. Yes. Mhmm. Yep. Mhmm. Mhmm. Because, essentially, we want to I still wanna we still wanna put a a portion of our money, and this is, like, money after tax, not part of Super into our investment so that we have the option at 50 to retire if we wanted to. But that is obviously we would be able to access Super at that point. So but but we wanna, like, maximize our Super as much as we can. Mhmm. Mhmm. Yeah. And yeah. Oh, no. I was just gonna say, at the moment, I'm only really comfortable at the moment because I've only educated myself up to the point of, like, ETFs. But I know that there is a whole other world of other things to invest in, like, potentially bonds and things like that, which I know that there is a gap in my knowledge that I want to so if you, like, have any suggestions of resources or anything that I can, like just so that I'm on the same page as you as we're discussing things and I feel comfortable with decisions itself. I'm happy to do the homework for that as well. Yep. Perfect, Paul. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. I think it's important, but it was more important when I was earning, like, a high salary corporate salary in case anything happened to me. But at this point, I don't know how it plays in with, like, the yeah. Like, the amount that I'm currently, like, projected to be earning over the next year, like, whether it's still actually worth it. Yeah. I'm happy to, like, receive advice on that because before it like, all the reasons why you get insurance made sense. And then even now, like, let's say in the case of, like, you know, death, right, or disability, like, it would it would cover based on the income that you could potentially be earning. So what what am I actually drawing if something happened to me? And then even if I was to die, like, Alan's current wealth would not be affected. So then, like, how much of the insurance would like, are we are we is it yeah. Because you're still paying, like, premiums and stuff on insurance. Yeah. Yeah. Yeah. Yes. Yes. Mhmm. Mhmm. Yep. Yep. No other debt. Yes. Exactly. No. Yes. So I think yeah. I think at this point, we're not planning to have kids provided that our minds don't change in the next five years or so. I think we're on the track of, like, it's really just us too. So that's also part of, like, the financial planning is that okay. And even if we did have kids, I would wanna make sure that our financial planning is and I think the number of a 100,000 would cover, like, any care that Al and I need if we were older and stuff anyway. So, like, we wouldn't have to at this point, whatever plans we make is not planning to provide, like, whatever for kids, and then it would just be managing ourselves. Yep. Yes. Now I probably also need to talk to Alan. So I have a situation where my so I have I think Jordan asked me about it. So I have a an amount of money that I keep for my mom. So mom is in a, like, financial coercive relationship. And so thank you. That's okay. I've done lots of therapy. It is what it is, but, essentially, it's a safety net for her. So I don't know we haven't we haven't done a will yet, but we probably and Alan is very supportive of my mom. So so we probably need to plan today that if I was to pass away, that there would be something to protect her but is not accessible to her partner. So she's still in the partnership, but and, essentially, at the moment, I keep, like, a pile of cash. So if she says to me one day, I wanna leave, like, we we can, like, set her up with stuff. So she's she's not a dependent, but it's kind of like, okay. Well, the very least that amount is for her, but it's but we don't wanna be in a place where the partner can, like, be like, oh, it's mine, like, kind of thing. So I'm but we at the moment, we haven't had to, like, do more complex things, like, trust or anything like that because, like, I'm kinda holding it. Yeah. So I don't know like, we haven't really thought about, like, what happens if I die. If Alan and I both die in, like, a freak accident or something, how that would work out? Yep. Yeah. Mhmm. Mhmm. Mhmm. Yep. Yep. Okay. Mhmm. Mhmm. Yep. Mhmm. Yep. Okay. Yeah. That's interesting to know. Yep. Yeah. Yep. Mhmm. I think he'll be okay financially. I would only be interested if the payout is more than the premiums. But, like, Like, only if the numbers worked out. But I don't like, I I have no emotional attachment to leaving a payout for Alan if I was to pass. It's purely, like, it doesn't yeah. Yep. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. So right now, my attitude is I don't think I need it, but I will, have a conversation with Alan whether because you you did raise up, like, potentially, the life insurance can go to my mom, which, like, might be useful if she yeah. Which might be useful. But I'll have a text to Alan and what he thinks because there might be, like, enough other things for my mom anyway in terms of, like, the cash that we hold and that going to her kind of thing without having to involve, like, the insurance. Yep. Yeah. Put a few minutes. K. Mhmm. Mhmm. So I think there is worthwhile merit into looking to that because, like, if I was let's say, if I was to be disabled and then at some point during that, Al and I were to divorce, I would still need to live. So I couldn't be depending on Alan if we were to divorce in that case. So I would need my own kinda, like, separate things. Yep. What's this is there, like, a standard amount that people do? I see. Mhmm. Okay. Yeah. It's kinda like bridging the gap until you can access your super to, like, draw upon that as well. Yep. Yeah. And, also, if you're drawing out early, it it disrupts the plan of growth and things like that. Oh, that's a hassle. Yeah. I'd have to do some research. Mhmm. Mhmm. Mhmm. Yep. No. Yep. No. What was that again? What's oh, trauma. No. I have not, actually. Right. Okay. Yep. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. I don't think we need it. I think yep. Mhmm. Mhmm. Mhmm. Mhmm. I can do next week, ten thirty. 10:30? Yeah. Okay. Yep. Mhmm. Yep. Mhmm. Yep. Mhmm. Mhmm. Yep. Perfect. No. I've got it in my calendar. Eleven on Monday. Yep. Mhmm. Mhmm. Mhmm. Yeah. So if you need to turn that call on Monday into, like, a shared call with me and Alan, like, as in once we're done with our insurance, he can pop on and we can do a thing. Because that's a public holiday for him, so he won't, like, he won't have any work meetings and stuff. And so he'll be home and he'll be free. I mean, like, I'm yeah. Yeah. Mhmm. Probably email him, and then I'll bug him to, like, check his email. Yeah. Yep. Yeah. Yeah. Yeah. I'll I'll add it from my calendar into his calendar so that so that it looks like he's going to So he it looks like he's also got the call as well. But I'll we can start up with our staff, and then I'll get him on when you're ready for to have a growth thing. Yep. That's alright. Mhmm. Thank you so much for your help, Ronica. I appreciate it. Thanks. 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Yes. Oh, okay. Yep. So we're an ACN.\n\nAt the time we set it up, I owed 50%. My business partner owns 50%, and we have shares. Essentially, they set up shares, and so we just own half half, essentially. It is it is a profitable business, but it's not possible in the sense of, like, there is at the end of the financial year, there is leftover money because we are at the moment in kinda like a growing phase of the business, but we have essentially employees, like I'm trying to remember, like, three or four employees. Then we have, like, a revenue of I've forgotten.\n\nAdjusted the, like, profit and loss statement. But but, essentially, we pay salaries and do all those things, But there is no profit as such after expenses are paid out at the end of the financial year to pay into, like, dividends for us. Mhmm. Yeah. So I I have like, I wear the hat of director, but then I also wear the hat of business manager.\n\nSo, obviously, director doesn't actually need to do like, needs to be it's like more of a liability responsibility hat, but it doesn't necessarily mean you have to do stuff for the business day to day. So that's where my business manager hat comes on. And so for business manager related activities, we've finally reached a point where, okay, we can on the books, I work casually for the company. And so this year, we were able to pay ourselves for those activities. Yeah.\n\nThe it's complicated because we are a health base, But also when we set up set up the company, we wanted to pay our employees fairly, and we also wanted to make our services accessible for the community. So we work with NDIS and, like, chronic ill patients. So for us, it wasn't about, like, we would like to make it a lot of money, but we also don't wanna, like, take advantage of people. Yep. Yes.\n\nGood question. And you know such a little amount. I was just like, oh, it's like a it was kind of like a token amount. I didn't really look into whether it was, like, before or after tax. I would have to double check my accounting software.\n\nI think it is I think that's probably after tax. Yeah. Yeah. Yep. Mhmm.\n\nYeah. So we do so we do the like, every time a pager comes out, it comes with the the, like, standard super contributions. Mhmm. That's that same account. Yes.\n\nYes. So that was so the big contribution so the big contribution was lost because of my corporate job in 2024. We've only started paying ourselves this year. So there is, like, a very small, like, $120 contribution. But it's it's, like, it's only been really recent.\n\nSo yeah. Yeah. Yeah. Yeah. Moving forward.\n\nYeah. Yeah. No. So that is that the a hundredth pay that got in is so what if 800 shipped my account is after, like, the super and stuff? 800 is, like what are the numbers of that?\n\nYeah. So the super is, like, in addition to the 800. Yeah. Yeah. Yes.\n\nYeah. Now I don't actually need that 800. So if there is, like, some benefit to just salary sacrifice since I entered into Super Bowl, like, I'm happy to do that because I'm happy to put all like, grow the super as much as I can because, yeah, at the moment, Alan's income is, like, providing for everything that we need. Yep. I'm happy to put all of it because we had a I know you originally, when I quit my job, you had a conversation with Alan about contributing to my superb, but then the discussion was that it would be after his tax, so then he would lose out on benefits.\n\nI don't remember exactly what those benefits were. So then we decided, okay. That's not, like as a team, that's not good for us as a team. So we made the decision a few months ago to not do that, but we also decided that, at the moment, we have cash in a shared account. And, also, we after seeing to our accountant, he was like, well, if she's not growing income, it would actually and if you guys still gonna stay together, which we are, then it's better to to for me to have the account and move our shared money in under my name so that it can contribute.\n\nSo in that way, I'm like, okay. I'm here with that because then if anything happens, this massive amount of money is under my knee. We're not attracting tax on that. Because I'm over the tax of $50.50 on the interest on that amount. And then also we made the decision that going forward, because I manage our shared investments anyway, that I would just create another SelfWealth account under my name and use our money to invest for us, but then only I attract the any, like, gains of interest dividends of yeah.\n\nYeah. So with that, I'm okay with letting go of super contributions because I mean, even if we divorce, it'll be split fifty fifty. Like, I wanna have very candid conversations about our relationship. There is no plan to divorce. We're very, very happy, but people change.\n\nSo even depending on what happened, we are like, okay. It's $50.50 anyway. Even if I'm not contributing financially now yeah. Mhmm. Mhmm.\n\nYes. Mhmm. Yep. Mhmm. Mhmm.\n\nBecause, essentially, we want to I still wanna we still wanna put a a portion of our money, and this is, like, money after tax, not part of Super into our investment so that we have the option at 50 to retire if we wanted to. But that is obviously we would be able to access Super at that point. So but but we wanna, like, maximize our Super as much as we can. Mhmm. Mhmm.\n\nYeah. And yeah. Oh, no. I was just gonna say, at the moment, I'm only really comfortable at the moment because I've only educated myself up to the point of, like, ETFs. But I know that there is a whole other world of other things to invest in, like, potentially bonds and things like that, which I know that there is a gap in my knowledge that I want to so if you, like, have any suggestions of resources or anything that I can, like just so that I'm on the same page as you as we're discussing things and I feel comfortable with decisions itself.\n\nI'm happy to do the homework for that as well. Yep. Perfect, Paul. Mhmm. Mhmm.\n\nMhmm. Mhmm. Mhmm. I think it's important, but it was more important when I was earning, like, a high salary corporate salary in case anything happened to me. But at this point, I don't know how it plays in with, like, the yeah.\n\nLike, the amount that I'm currently, like, projected to be earning over the next year, like, whether it's still actually worth it. Yeah. I'm happy to, like, receive advice on that because before it like, all the reasons why you get insurance made sense. And then even now, like, let's say in the case of, like, you know, death, right, or disability, like, it would it would cover based on the income that you could potentially be earning. So what what am I actually drawing if something happened to me?\n\nAnd then even if I was to die, like, Alan's current wealth would not be affected. So then, like, how much of the insurance would like, are we are we is it yeah. Because you're still paying, like, premiums and stuff on insurance. Yeah. Yeah.\n\nYeah. Yes. Yes. Mhmm. Mhmm.\n\nYep. Yep. No other debt. Yes. Exactly.\n\nNo. Yes. So I think yeah. I think at this point, we're not planning to have kids provided that our minds don't change in the next five years or so. I think we're on the track of, like, it's really just us too.\n\nSo that's also part of, like, the financial planning is that okay. And even if we did have kids, I would wanna make sure that our financial planning is and I think the number of a 100,000 would cover, like, any care that Al and I need if we were older and stuff anyway. So, like, we wouldn't have to at this point, whatever plans we make is not planning to provide, like, whatever for kids, and then it would just be managing ourselves. Yep. Yes.\n\nNow I probably also need to talk to Alan. So I have a situation where my so I have I think Jordan asked me about it. So I have a an amount of money that I keep for my mom. So mom is in a, like, financial coercive relationship. And so thank you.\n\nThat's okay. I've done lots of therapy. It is what it is, but, essentially, it's a safety net for her. So I don't know we haven't we haven't done a will yet, but we probably and Alan is very supportive of my mom. So so we probably need to plan today that if I was to pass away, that there would be something to protect her but is not accessible to her partner.\n\nSo she's still in the partnership, but and, essentially, at the moment, I keep, like, a pile of cash. So if she says to me one day, I wanna leave, like, we we can, like, set her up with stuff. So she's she's not a dependent, but it's kind of like, okay. Well, the very least that amount is for her, but it's but we don't wanna be in a place where the partner can, like, be like, oh, it's mine, like, kind of thing. So I'm but we at the moment, we haven't had to, like, do more complex things, like, trust or anything like that because, like, I'm kinda holding it.\n\nYeah. So I don't know like, we haven't really thought about, like, what happens if I die. If Alan and I both die in, like, a freak accident or something, how that would work out? Yep. Yeah.\n\nMhmm. Mhmm. Mhmm. Yep. Yep.\n\nOkay. Mhmm. Mhmm. Yep. Mhmm.\n\nYep. Okay. Yeah. That's interesting to know. Yep.\n\nYeah. Yep. Mhmm. I think he'll be okay financially. I would only be interested if the payout is more than the premiums.\n\nBut, like, Like, only if the numbers worked out. But I don't like, I I have no emotional attachment to leaving a payout for Alan if I was to pass. It's purely, like, it doesn't yeah. Yep. Mhmm.\n\nMhmm. Mhmm. Mhmm. Mhmm. So right now, my attitude is I don't think I need it, but I will, have a conversation with Alan whether because you you did raise up, like, potentially, the life insurance can go to my mom, which, like, might be useful if she yeah.\n\nWhich might be useful. But I'll have a text to Alan and what he thinks because there might be, like, enough other things for my mom anyway in terms of, like, the cash that we hold and that going to her kind of thing without having to involve, like, the insurance. Yep. Yeah. Put a few minutes.\n\nK. Mhmm. Mhmm. So I think there is worthwhile merit into looking to that because, like, if I was let's say, if I was to be disabled and then at some point during that, Al and I were to divorce, I would still need to live. So I couldn't be depending on Alan if we were to divorce in that case.\n\nSo I would need my own kinda, like, separate things. Yep. What's this is there, like, a standard amount that people do? I see. Mhmm.\n\nOkay. Yeah. It's kinda like bridging the gap until you can access your super to, like, draw upon that as well. Yep. Yeah.\n\nAnd, also, if you're drawing out early, it it disrupts the plan of growth and things like that. Oh, that's a hassle. Yeah. I'd have to do some research. Mhmm.\n\nMhmm. Mhmm. Yep. No. Yep.\n\nNo. What was that again? What's oh, trauma. No. I have not, actually.\n\nRight. Okay. Yep. Mhmm. Mhmm.\n\nMhmm. Mhmm. Mhmm. Mhmm. I don't think we need it.\n\nI think yep. Mhmm. Mhmm. Mhmm. Mhmm.\n\nI can do next week, ten thirty. 10:30? Yeah. Okay. Yep.\n\nMhmm. Yep. Mhmm. Yep. Mhmm.\n\nMhmm. Yep. Perfect. No. I've got it in my calendar.\n\nEleven on Monday. Yep. Mhmm. Mhmm. Mhmm.\n\nYeah. So if you need to turn that call on Monday into, like, a shared call with me and Alan, like, as in once we're done with our insurance, he can pop on and we can do a thing. Because that's a public holiday for him, so he won't, like, he won't have any work meetings and stuff. And so he'll be home and he'll be free. I mean, like, I'm yeah.\n\nYeah. Mhmm. Probably email him, and then I'll bug him to, like, check his email. Yeah. Yep.\n\nYeah. Yeah. Yeah. I'll I'll add it from my calendar into his calendar so that so that it looks like he's going to So he it looks like he's also got the call as well. But I'll we can start up with our staff, and then I'll get him on when you're ready for to have a growth thing.\n\nYep. That's alright. Mhmm. Thank you so much for your help, Ronica. I appreciate it.\n\nThanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.0053206756711006165},{"text":"Yes.","start":12.16,"end":12.405,"sentiment":"neutral","sentiment_score":-0.12019585818052292},{"text":"Oh, okay.","start":14.165,"end":14.885,"sentiment":"neutral","sentiment_score":-0.047357418574392796},{"text":"Yep.","start":14.885,"end":15.365,"sentiment":"neutral","sentiment_score":0.028050433844327927},{"text":"So we're an ACN.","start":15.365,"end":16.985,"sentiment":"neutral","sentiment_score":0.005425236187875271}],"sentiment":"neutral","sentiment_score":-0.017759849006930988,"num_words":9,"start":1.1999999,"end":16.985},{"sentences":[{"text":"At the time we set it up, I owed 50%.","start":17.365,"end":19.465,"sentiment":"neutral","sentiment_score":-0.011434843949973583},{"text":"My business partner owns 50%, and we have shares.","start":19.525,"end":22.185,"sentiment":"neutral","sentiment_score":0.006918824588259061},{"text":"Essentially, they set up shares, and so we just own half half, essentially.","start":22.564999,"end":27.060001,"sentiment":"neutral","sentiment_score":-0.004131954243908135},{"text":"It is it is a profitable business, but it's not possible in the sense of, like, there is at the end of the financial year, there is leftover money because we are at the moment in kinda like a growing phase of the business, but we have essentially employees, like I'm trying to remember, like, three or four employees.","start":29.36,"end":52.575,"sentiment":"neutral","sentiment_score":-0.04032911846445779},{"text":"Then we have, like, a revenue of I've forgotten.","start":52.850002,"end":58.87,"sentiment":"neutral","sentiment_score":-0.010906573178039657}],"sentiment":"neutral","sentiment_score":-0.025833715713815764,"num_words":100,"start":17.365,"end":58.87},{"sentences":[{"text":"Adjusted the, like, profit and loss statement.","start":59.17,"end":61.75,"sentiment":"neutral","sentiment_score":-0.06395552254148892},{"text":"But but, essentially, we pay salaries and do all those things, But there is no profit as such after expenses are paid out at the end of the financial year to pay into, like, dividends for us.","start":61.81,"end":78.085,"sentiment":"neutral","sentiment_score":-0.08421147680161772},{"text":"Mhmm.","start":80.409996,"end":80.909996,"sentiment":"neutral","sentiment_score":-0.022145427763462067},{"text":"Yeah.","start":88.409996,"end":88.89,"sentiment":"neutral","sentiment_score":-0.0185396708548069},{"text":"So I I have like, I wear the hat of director, but then I also wear the hat of business manager.","start":88.89,"end":94.35,"sentiment":"neutral","sentiment_score":0.005108186531634558}],"sentiment":"neutral","sentiment_score":-0.05219293255080928,"num_words":67,"start":59.17,"end":94.35},{"sentences":[{"text":"So, obviously, director doesn't actually need to do like, needs to be it's like more of a liability responsibility hat, but it doesn't necessarily mean you have to do stuff for the business day to day.","start":94.89,"end":110.94,"sentiment":"neutral","sentiment_score":-0.0417804237222299},{"text":"So that's where my business manager hat comes on.","start":111.020004,"end":113.520004,"sentiment":"neutral","sentiment_score":0.0699615010784732},{"text":"And so for business manager related activities, we've finally reached a point where, okay, we can on the books, I work casually for the company.","start":113.66,"end":122.880005,"sentiment":"neutral","sentiment_score":0.08843056470155716},{"text":"And so this year, we were able to pay ourselves for those activities.","start":124.155,"end":128.655,"sentiment":"neutral","sentiment_score":0.2001378026146155},{"text":"Yeah.","start":130.55501,"end":131.035,"sentiment":"neutral","sentiment_score":0.07112665474414825}],"sentiment":"neutral","sentiment_score":0.04772905311879835,"num_words":84,"start":94.89,"end":131.035},{"sentences":[{"text":"The it's complicated because we are a health base, But also when we set up set up the company, we wanted to pay our employees fairly, and we also wanted to make our services accessible for the community.","start":131.035,"end":146.18,"sentiment":"neutral","sentiment_score":0.08792566326691915},{"text":"So we work with NDIS and, like, chronic ill patients.","start":146.24,"end":150.42,"sentiment":"neutral","sentiment_score":0.038416036032140256},{"text":"So for us, it wasn't about, like, we would like to make it a lot of money, but we also don't wanna, like, take advantage of people.","start":150.56,"end":163.945,"sentiment":"neutral","sentiment_score":-0.06085237357075567},{"text":"Yep.","start":165.365,"end":165.75,"sentiment":"neutral","sentiment_score":0.15671610832214355},{"text":"Yes.","start":177.27,"end":177.77,"sentiment":"neutral","sentiment_score":0.02989811450242996}],"sentiment":"neutral","sentiment_score":0.029466697414006506,"num_words":77,"start":131.035,"end":177.77},{"sentences":[{"text":"Good question.","start":184.095,"end":184.75499,"sentiment":"neutral","sentiment_score":0.0774948000907898},{"text":"And you know such a little amount.","start":189.775,"end":191.215,"sentiment":"neutral","sentiment_score":0.007968419630612646},{"text":"I was just like, oh, it's like a it was kind of like a token amount.","start":191.215,"end":194.87999,"sentiment":"neutral","sentiment_score":-0.0193284111446701},{"text":"I didn't really look into whether it was, like, before or after tax.","start":194.87999,"end":197.62,"sentiment":"neutral","sentiment_score":-0.04802640642111118},{"text":"I would have to double check my accounting software.","start":198.56,"end":201.54,"sentiment":"neutral","sentiment_score":-0.06308751263552242}],"sentiment":"neutral","sentiment_score":-0.02745993484921278,"num_words":47,"start":184.095,"end":201.54},{"sentences":[{"text":"I think it is I think that's probably after tax.","start":201.76,"end":205.515,"sentiment":"neutral","sentiment_score":-0.04090879783034325},{"text":"Yeah.","start":207.755,"end":208.255,"sentiment":"neutral","sentiment_score":0.00965278223156929},{"text":"Yeah.","start":212.315,"end":212.815,"sentiment":"neutral","sentiment_score":0.0560951828956604},{"text":"Yep.","start":213.035,"end":213.535,"sentiment":"neutral","sentiment_score":0.04851999133825302},{"text":"Mhmm.","start":221.94,"end":222.44,"sentiment":"neutral","sentiment_score":0.025930367410182953}],"sentiment":"neutral","sentiment_score":-0.019206403887697628,"num_words":14,"start":201.76,"end":222.44},{"sentences":[{"text":"Yeah.","start":227.3,"end":227.7,"sentiment":"neutral","sentiment_score":0.028073618188500404},{"text":"So we do so we do the like, every time a pager comes out, it comes with the the, like, standard super contributions.","start":227.7,"end":235.46501,"sentiment":"neutral","sentiment_score":0.0418463249731323},{"text":"Mhmm.","start":237.76501,"end":238.26501,"sentiment":"neutral","sentiment_score":0.08236050605773926},{"text":"That's that same account.","start":241.205,"end":242.66501,"sentiment":"neutral","sentiment_score":0.08392427768558264},{"text":"Yes.","start":242.96501,"end":243.46501,"sentiment":"neutral","sentiment_score":0.05014819651842117}],"sentiment":"neutral","sentiment_score":0.04862483019630114,"num_words":30,"start":227.3,"end":243.46501},{"sentences":[{"text":"Yes.","start":253.65001,"end":254.15001,"sentiment":"neutral","sentiment_score":-0.051572155207395554},{"text":"So that was so the big contribution so the big contribution was lost because of my corporate job in 2024.","start":254.29001,"end":263.19,"sentiment":"neutral","sentiment_score":-0.1947360083460808},{"text":"We've only started paying ourselves this year.","start":263.47498,"end":266.615,"sentiment":"neutral","sentiment_score":-0.13433241844177246},{"text":"So there is, like, a very small, like, $120 contribution.","start":266.75497,"end":270.455,"sentiment":"neutral","sentiment_score":-0.012150895688682795},{"text":"But it's it's, like, it's only been really recent.","start":270.59497,"end":272.75497,"sentiment":"neutral","sentiment_score":-0.020549990547200043}],"sentiment":"neutral","sentiment_score":-0.11049102389432014,"num_words":47,"start":253.65001,"end":272.75497},{"sentences":[{"text":"So yeah.","start":272.75497,"end":274.775,"sentiment":"neutral","sentiment_score":0.01631301734596491},{"text":"Yeah.","start":280.55,"end":281.05,"sentiment":"neutral","sentiment_score":0.0441647507250309},{"text":"Yeah.","start":282.06998,"end":282.56998,"sentiment":"neutral","sentiment_score":0.1235511600971222},{"text":"Yeah.","start":282.94998,"end":283.03,"sentiment":"neutral","sentiment_score":0.1800268292427063},{"text":"Moving forward.","start":283.03,"end":283.93,"sentiment":"positive","sentiment_score":0.4519646316766739}],"sentiment":"neutral","sentiment_score":0.18347114830144814,"num_words":7,"start":272.75497,"end":283.93},{"sentences":[{"text":"Yeah.","start":296.005,"end":296.505,"sentiment":"neutral","sentiment_score":0.12292458117008208},{"text":"Yeah.","start":299.445,"end":299.945,"sentiment":"positive","sentiment_score":0.340343713760376},{"text":"No.","start":310.88,"end":311.28,"sentiment":"neutral","sentiment_score":-0.07548901438713074},{"text":"So that is that the a hundredth pay that got in is so what if 800 shipped my account is after, like, the super and stuff?","start":311.28,"end":322.485,"sentiment":"neutral","sentiment_score":-0.06401502899825573},{"text":"800 is, like what are the numbers of that?","start":323.82498,"end":328.565,"sentiment":"neutral","sentiment_score":-0.02520736141337289}],"sentiment":"neutral","sentiment_score":-0.03956520331925467,"num_words":38,"start":296.005,"end":328.565},{"sentences":[{"text":"Yeah.","start":328.705,"end":329.205,"sentiment":"neutral","sentiment_score":-0.010099350474774836},{"text":"So the super is, like, in addition to the 800.","start":333.61,"end":337.31,"sentiment":"neutral","sentiment_score":-0.03289518337696791},{"text":"Yeah.","start":339.44998,"end":339.94998,"sentiment":"neutral","sentiment_score":0.030611637979745865},{"text":"Yeah.","start":343.61,"end":344.11,"sentiment":"neutral","sentiment_score":0.02498859167098999},{"text":"Yes.","start":351.855,"end":352.095,"sentiment":"neutral","sentiment_score":0.06460987031459808}],"sentiment":"neutral","sentiment_score":-0.015631506019937142,"num_words":14,"start":328.705,"end":352.095},{"sentences":[{"text":"Yeah.","start":352.095,"end":352.595,"sentiment":"neutral","sentiment_score":0.12481024116277696},{"text":"Now I don't actually need that 800.","start":352.975,"end":356.255,"sentiment":"neutral","sentiment_score":-0.01252543181180954},{"text":"So if there is, like, some benefit to just salary sacrifice since I entered into Super Bowl, like, I'm happy to do that because I'm happy to put all like, grow the super as much as I can because, yeah, at the moment, Alan's income is, like, providing for everything that we need.","start":356.255,"end":375.4,"sentiment":"neutral","sentiment_score":0.24383931206363552},{"text":"Yep.","start":383.255,"end":383.755,"sentiment":"neutral","sentiment_score":0.1415262520313263},{"text":"I'm happy to put all of it because we had a I know you originally, when I quit my job, you had a conversation with Alan about contributing to my superb, but then the discussion was that it would be after his tax, so then he would lose out on benefits.","start":394.85,"end":412.055,"sentiment":"neutral","sentiment_score":0.03675501085087365}],"sentiment":"neutral","sentiment_score":0.13253670409981128,"num_words":113,"start":352.095,"end":412.055},{"sentences":[{"text":"I don't remember exactly what those benefits were.","start":412.91498,"end":414.675,"sentiment":"neutral","sentiment_score":-0.15316732041537762},{"text":"So then we decided, okay.","start":414.675,"end":416.275,"sentiment":"neutral","sentiment_score":-0.09546020925045014},{"text":"That's not, like as a team, that's not good for us as a team.","start":416.275,"end":421.22998,"sentiment":"negative","sentiment_score":-0.4007096801485334},{"text":"So we made the decision a few months ago to not do that, but we also decided that, at the moment, we have cash in a shared account.","start":421.44998,"end":433.095,"sentiment":"neutral","sentiment_score":-0.09202762600034475},{"text":"And, also, we after seeing to our accountant, he was like, well, if she's not growing income, it would actually and if you guys still gonna stay together, which we are, then it's better to to for me to have the account and move our shared money in under my name so that it can contribute.","start":433.55502,"end":452.23,"sentiment":"neutral","sentiment_score":0.06551847054756113}],"sentiment":"neutral","sentiment_score":-0.05603886764865738,"num_words":111,"start":412.91498,"end":452.23},{"sentences":[{"text":"So in that way, I'm like, okay.","start":452.37,"end":453.81,"sentiment":"neutral","sentiment_score":0.13887217853750503},{"text":"I'm here with that because then if anything happens, this massive amount of money is under my knee.","start":453.81,"end":459.305,"sentiment":"neutral","sentiment_score":0.05812090097202195},{"text":"We're not attracting tax on that.","start":459.845,"end":461.945,"sentiment":"neutral","sentiment_score":-0.24904975295066833},{"text":"Because I'm over the tax of $50.50 on the interest on that amount.","start":462.405,"end":466.585,"sentiment":"neutral","sentiment_score":-0.09027661841649276},{"text":"And then also we made the decision that going forward, because I manage our shared investments anyway, that I would just create another SelfWealth account under my name and use our money to invest for us, but then only I attract the any, like, gains of interest dividends of yeah.","start":466.885,"end":491.705,"sentiment":"neutral","sentiment_score":0.04365123354829848}],"sentiment":"neutral","sentiment_score":0.01630796369739828,"num_words":94,"start":452.37,"end":491.705},{"sentences":[{"text":"Yeah.","start":492.085,"end":492.485,"sentiment":"neutral","sentiment_score":0.042678579688072205},{"text":"So with that, I'm okay with letting go of super contributions because I mean, even if we divorce, it'll be split fifty fifty.","start":492.485,"end":500.16,"sentiment":"neutral","sentiment_score":0.07472996875319791},{"text":"Like, I wanna have very candid conversations about our relationship.","start":500.16,"end":503.06,"sentiment":"neutral","sentiment_score":0.13939048312604427},{"text":"There is no plan to divorce.","start":503.28,"end":504.72,"sentiment":"neutral","sentiment_score":0.0334983728826046},{"text":"We're very, very happy, but people change.","start":504.72,"end":507.69998,"sentiment":"neutral","sentiment_score":0.3300817608833313}],"sentiment":"neutral","sentiment_score":0.1205730905478939,"num_words":47,"start":492.085,"end":507.69998},{"sentences":[{"text":"So even depending on what happened, we are like, okay.","start":508.56,"end":511.585,"sentiment":"neutral","sentiment_score":-0.01202180664986372},{"text":"It's $50.50 anyway.","start":511.585,"end":513.445,"sentiment":"neutral","sentiment_score":0.02029428631067276},{"text":"Even if I'm not contributing financially now yeah.","start":513.90497,"end":518.645,"sentiment":"neutral","sentiment_score":-0.09842806356027722},{"text":"Mhmm.","start":521.025,"end":521.525,"sentiment":"neutral","sentiment_score":0.22766080498695376},{"text":"Mhmm.","start":526.29,"end":526.79,"sentiment":"neutral","sentiment_score":0.07662118226289749}],"sentiment":"neutral","sentiment_score":-0.023585988208651543,"num_words":23,"start":508.56,"end":526.79},{"sentences":[{"text":"Yes.","start":535.32996,"end":535.82996,"sentiment":"neutral","sentiment_score":0.1840606778860092},{"text":"Mhmm.","start":538.61,"end":539.11,"sentiment":"neutral","sentiment_score":0.0706038624048233},{"text":"Yep.","start":550.57495,"end":551.07495,"sentiment":"neutral","sentiment_score":0.1204737424850464},{"text":"Mhmm.","start":551.13495,"end":551.63495,"sentiment":"neutral","sentiment_score":0.0032034264877438545},{"text":"Mhmm.","start":580.085,"end":580.585,"sentiment":"neutral","sentiment_score":0.02037748321890831}],"sentiment":"neutral","sentiment_score":0.07974383849650621,"num_words":5,"start":535.32996,"end":580.585},{"sentences":[{"text":"Because, essentially, we want to I still wanna we still wanna put a a portion of our money, and this is, like, money after tax, not part of Super into our investment so that we have the option at 50 to retire if we wanted to.","start":580.645,"end":594.82,"sentiment":"neutral","sentiment_score":0.07287213627410971},{"text":"But that is obviously we would be able to access Super at that point.","start":595.44,"end":598.4,"sentiment":"neutral","sentiment_score":0.1766831555536815},{"text":"So but but we wanna, like, maximize our Super as much as we can.","start":598.4,"end":604.105,"sentiment":"neutral","sentiment_score":0.2949423960277012},{"text":"Mhmm.","start":615.08,"end":615.58,"sentiment":"neutral","sentiment_score":-0.008423162624239922},{"text":"Mhmm.","start":630.105,"end":630.605,"sentiment":"neutral","sentiment_score":0.20745056867599487}],"sentiment":"neutral","sentiment_score":0.13360399206316,"num_words":76,"start":580.645,"end":630.605},{"sentences":[{"text":"Yeah.","start":638.665,"end":639.14496,"sentiment":"positive","sentiment_score":0.409503698348999},{"text":"And yeah.","start":639.14496,"end":641.96497,"sentiment":"neutral","sentiment_score":0.24076773133128884},{"text":"Oh, no.","start":642.26495,"end":642.63,"sentiment":"neutral","sentiment_score":-0.02394264005124569},{"text":"I was just gonna say, at the moment, I'm only really comfortable at the moment because I've only educated myself up to the point of, like, ETFs.","start":642.63,"end":649.21,"sentiment":"neutral","sentiment_score":-0.08122069857738635},{"text":"But I know that there is a whole other world of other things to invest in, like, potentially bonds and things like that, which I know that there is a gap in my knowledge that I want to so if you, like, have any suggestions of resources or anything that I can, like just so that I'm on the same page as you as we're discussing things and I feel comfortable with decisions itself.","start":649.35004,"end":672.06,"sentiment":"neutral","sentiment_score":0.11778355289149929}],"sentiment":"neutral","sentiment_score":0.0694922446536849,"num_words":106,"start":638.665,"end":672.06},{"sentences":[{"text":"I'm happy to do the homework for that as well.","start":672.12,"end":674.94,"sentiment":"positive","sentiment_score":0.5167578846216202},{"text":"Yep.","start":675.48,"end":675.98,"sentiment":"neutral","sentiment_score":0.27111977338790894},{"text":"Perfect, Paul.","start":684.19995,"end":685.33997,"sentiment":"positive","sentiment_score":0.3863708972930908},{"text":"Mhmm.","start":689.665,"end":689.825,"sentiment":"neutral","sentiment_score":0.11876854300498962},{"text":"Mhmm.","start":689.825,"end":690.325,"sentiment":"neutral","sentiment_score":0.1126784235239029}],"sentiment":"positive","sentiment_score":0.429525825381279,"num_words":15,"start":672.12,"end":690.325},{"sentences":[{"text":"Mhmm.","start":692.865,"end":693.365,"sentiment":"neutral","sentiment_score":0.3266817331314087},{"text":"Mhmm.","start":694.945,"end":695.445,"sentiment":"positive","sentiment_score":0.3462810218334198},{"text":"Mhmm.","start":705.76,"end":706.26,"sentiment":"neutral","sentiment_score":0.04061254858970642},{"text":"I think it's important, but it was more important when I was earning, like, a high salary corporate salary in case anything happened to me.","start":711.925,"end":720.645,"sentiment":"neutral","sentiment_score":0.0006046411395072937},{"text":"But at this point, I don't know how it plays in with, like, the yeah.","start":720.645,"end":728.8,"sentiment":"neutral","sentiment_score":-0.12757938851912817}],"sentiment":"neutral","sentiment_score":-0.0275581278080164,"num_words":43,"start":692.865,"end":728.8},{"sentences":[{"text":"Like, the amount that I'm currently, like, projected to be earning over the next year, like, whether it's still actually worth it.","start":728.8,"end":735.77997,"sentiment":"neutral","sentiment_score":-0.030957077883861282},{"text":"Yeah.","start":737.2,"end":737.44,"sentiment":"neutral","sentiment_score":0.3084861934185028},{"text":"I'm happy to, like, receive advice on that because before it like, all the reasons why you get insurance made sense.","start":737.44,"end":744.125,"sentiment":"positive","sentiment_score":0.5895321085339501},{"text":"And then even now, like, let's say in the case of, like, you know, death, right, or disability, like, it would it would cover based on the income that you could potentially be earning.","start":745.22504,"end":760.92,"sentiment":"neutral","sentiment_score":0.14750083333210035},{"text":"So what what am I actually drawing if something happened to me?","start":761.14,"end":765.78,"sentiment":"neutral","sentiment_score":0.008673957859476408}],"sentiment":"neutral","sentiment_score":0.19029689540879594,"num_words":90,"start":728.8,"end":765.78},{"sentences":[{"text":"And then even if I was to die, like, Alan's current wealth would not be affected.","start":765.78,"end":772.52496,"sentiment":"neutral","sentiment_score":0.07297194586135447},{"text":"So then, like, how much of the insurance would like, are we are we is it yeah.","start":773.385,"end":779.305,"sentiment":"neutral","sentiment_score":0.04439559962381335},{"text":"Because you're still paying, like, premiums and stuff on insurance.","start":779.305,"end":782.205,"sentiment":"neutral","sentiment_score":0.014634313061833382},{"text":"Yeah.","start":782.82,"end":783.32,"sentiment":"neutral","sentiment_score":0.011516518890857697},{"text":"Yeah.","start":802.065,"end":802.565,"sentiment":"neutral","sentiment_score":-0.2131071537733078}],"sentiment":"neutral","sentiment_score":0.041489529402719605,"num_words":45,"start":765.78,"end":802.565},{"sentences":[{"text":"Yeah.","start":805.185,"end":805.685,"sentiment":"neutral","sentiment_score":-0.07231941819190979},{"text":"Yes.","start":810.38495,"end":810.88495,"sentiment":"neutral","sentiment_score":-0.06664499640464783},{"text":"Yes.","start":814.58,"end":815.08,"sentiment":"neutral","sentiment_score":0.11280720680952072},{"text":"Mhmm.","start":851.69995,"end":851.77997,"sentiment":"neutral","sentiment_score":0.02502189204096794},{"text":"Mhmm.","start":851.77997,"end":852.27997,"sentiment":"neutral","sentiment_score":-0.0019835541024804115}],"sentiment":"neutral","sentiment_score":-0.0006237739697098732,"num_words":5,"start":805.185,"end":852.27997},{"sentences":[{"text":"Yep.","start":852.42,"end":852.92,"sentiment":"neutral","sentiment_score":-0.1003054678440094},{"text":"Yep.","start":853.565,"end":853.805,"sentiment":"neutral","sentiment_score":-0.07707370817661285},{"text":"No other debt.","start":853.805,"end":854.945,"sentiment":"negative","sentiment_score":-0.39095335205396015},{"text":"Yes.","start":856.365,"end":856.845,"sentiment":"neutral","sentiment_score":0.05036073923110962},{"text":"Exactly.","start":856.845,"end":857.345,"sentiment":"neutral","sentiment_score":0.08163385838270187}],"sentiment":"neutral","sentiment_score":-0.17403494779552733,"num_words":7,"start":852.42,"end":857.345},{"sentences":[{"text":"No.","start":864.365,"end":864.865,"sentiment":"neutral","sentiment_score":-0.25786012411117554},{"text":"Yes.","start":880.62,"end":881.12,"sentiment":"neutral","sentiment_score":0.0271198321133852},{"text":"So I think yeah.","start":884.19495,"end":886.295,"sentiment":"neutral","sentiment_score":-0.1327248327434063},{"text":"I think at this point, we're not planning to have kids provided that our minds don't change in the next five years or so.","start":886.755,"end":893.71497,"sentiment":"neutral","sentiment_score":-0.1990066021680832},{"text":"I think we're on the track of, like, it's really just us too.","start":893.71497,"end":897.97003,"sentiment":"neutral","sentiment_score":0.027416962557114087}],"sentiment":"neutral","sentiment_score":-0.12049715259913789,"num_words":43,"start":864.365,"end":897.97003},{"sentences":[{"text":"So that's also part of, like, the financial planning is that okay.","start":898.11,"end":902.69,"sentiment":"neutral","sentiment_score":0.22242393158376217},{"text":"And even if we did have kids, I would wanna make sure that our financial planning is and I think the number of a 100,000 would cover, like, any care that Al and I need if we were older and stuff anyway.","start":903.47003,"end":917.09503,"sentiment":"neutral","sentiment_score":0.09890369343615714},{"text":"So, like, we wouldn't have to at this point, whatever plans we make is not planning to provide, like, whatever for kids, and then it would just be managing ourselves.","start":917.555,"end":929.27,"sentiment":"neutral","sentiment_score":-0.1048061406860749},{"text":"Yep.","start":933.64996,"end":934.14996,"sentiment":"neutral","sentiment_score":0.006403428968042135},{"text":"Yes.","start":939.91504,"end":940.395,"sentiment":"neutral","sentiment_score":0.039825521409511566}],"sentiment":"neutral","sentiment_score":0.043314965501384334,"num_words":86,"start":898.11,"end":940.395},{"sentences":[{"text":"Now I probably also need to talk to Alan.","start":940.395,"end":942.23505,"sentiment":"neutral","sentiment_score":-0.04192835423681471},{"text":"So I have a situation where my so I have I think Jordan asked me about it.","start":942.23505,"end":949.11505,"sentiment":"neutral","sentiment_score":-0.007144554025110076},{"text":"So I have a an amount of money that I keep for my mom.","start":949.11505,"end":953.73,"sentiment":"neutral","sentiment_score":0.008144569184098924},{"text":"So mom is in a, like, financial coercive relationship.","start":953.73,"end":958.39,"sentiment":"neutral","sentiment_score":-0.0644522863957617},{"text":"And so thank you.","start":958.85,"end":962.05,"sentiment":"neutral","sentiment_score":0.17268683947622776}],"sentiment":"neutral","sentiment_score":-0.0051719218422219436,"num_words":53,"start":940.395,"end":962.05},{"sentences":[{"text":"That's okay.","start":962.05,"end":962.52997,"sentiment":"positive","sentiment_score":0.3481874167919159},{"text":"I've done lots of therapy.","start":962.52997,"end":963.67,"sentiment":"positive","sentiment_score":0.35348397493362427},{"text":"It is what it is, but, essentially, it's a safety net for her.","start":963.97,"end":967.805,"sentiment":"neutral","sentiment_score":0.32832972819988543},{"text":"So I don't know we haven't we haven't done a will yet, but we probably and Alan is very supportive of my mom.","start":967.805,"end":974.945,"sentiment":"neutral","sentiment_score":0.14389136020580065},{"text":"So so we probably need to plan today that if I was to pass away, that there would be something to protect her but is not accessible to her partner.","start":975.48505,"end":987.36005,"sentiment":"neutral","sentiment_score":-0.06988127008080483}],"sentiment":"neutral","sentiment_score":0.10883759393369498,"num_words":73,"start":962.05,"end":987.36005},{"sentences":[{"text":"So she's still in the partnership, but and, essentially, at the moment, I keep, like, a pile of cash.","start":987.58,"end":994.0,"sentiment":"neutral","sentiment_score":-0.026315613551751563},{"text":"So if she says to me one day, I wanna leave, like, we we can, like, set her up with stuff.","start":994.005,"end":1000.505,"sentiment":"neutral","sentiment_score":-0.03994528789605413},{"text":"So she's she's not a dependent, but it's kind of like, okay.","start":1002.565,"end":1006.085,"sentiment":"neutral","sentiment_score":-0.02003542349363367},{"text":"Well, the very least that amount is for her, but it's but we don't wanna be in a place where the partner can, like, be like, oh, it's mine, like, kind of thing.","start":1006.085,"end":1018.48004,"sentiment":"neutral","sentiment_score":-0.05966304423231067},{"text":"So I'm but we at the moment, we haven't had to, like, do more complex things, like, trust or anything like that because, like, I'm kinda holding it.","start":1019.02,"end":1027.295,"sentiment":"neutral","sentiment_score":-0.12995907544557536}],"sentiment":"neutral","sentiment_score":-0.06360183502094144,"num_words":113,"start":987.58,"end":1027.295},{"sentences":[{"text":"Yeah.","start":1028.635,"end":1028.955,"sentiment":"neutral","sentiment_score":-0.08673666417598724},{"text":"So I don't know like, we haven't really thought about, like, what happens if I die.","start":1028.955,"end":1034.095,"sentiment":"neutral","sentiment_score":-0.19001017324626446},{"text":"If Alan and I both die in, like, a freak accident or something, how that would work out?","start":1034.555,"end":1039.84,"sentiment":"neutral","sentiment_score":-0.11782078796790706},{"text":"Yep.","start":1041.18,"end":1041.68,"sentiment":"positive","sentiment_score":0.35561224818229675},{"text":"Yeah.","start":1043.82,"end":1044.32,"sentiment":"neutral","sentiment_score":0.22902531921863556}],"sentiment":"neutral","sentiment_score":-0.12602800140912468,"num_words":37,"start":1028.635,"end":1044.32},{"sentences":[{"text":"Mhmm.","start":1048.9401,"end":1049.4401,"sentiment":"neutral","sentiment_score":0.11709947139024734},{"text":"Mhmm.","start":1049.82,"end":1050.32,"sentiment":"neutral","sentiment_score":0.16645678877830505},{"text":"Mhmm.","start":1067.77,"end":1068.25,"sentiment":"neutral","sentiment_score":0.06136329844594002},{"text":"Yep.","start":1068.25,"end":1068.75,"sentiment":"neutral","sentiment_score":0.02360007725656033},{"text":"Yep.","start":1070.41,"end":1070.91,"sentiment":"neutral","sentiment_score":0.2026582807302475}],"sentiment":"neutral","sentiment_score":0.11423558332026004,"num_words":5,"start":1048.9401,"end":1070.91},{"sentences":[{"text":"Okay.","start":1076.73,"end":1077.23,"sentiment":"neutral","sentiment_score":0.057140156626701355},{"text":"Mhmm.","start":1108.8099,"end":1109.3099,"sentiment":"neutral","sentiment_score":-0.12190302461385728},{"text":"Mhmm.","start":1111.0851,"end":1111.5851,"sentiment":"neutral","sentiment_score":0.015544338151812552},{"text":"Yep.","start":1116.685,"end":1117.185,"sentiment":"neutral","sentiment_score":0.04792291671037674},{"text":"Mhmm.","start":1118.525,"end":1118.775,"sentiment":"neutral","sentiment_score":0.06785792112350464}],"sentiment":"neutral","sentiment_score":0.0133124615997076,"num_words":5,"start":1076.73,"end":1118.775},{"sentences":[{"text":"Yep.","start":1118.775,"end":1119.275,"sentiment":"neutral","sentiment_score":0.07466783374547958},{"text":"Okay.","start":1132.11,"end":1132.59,"sentiment":"neutral","sentiment_score":0.06071365624666214},{"text":"Yeah.","start":1132.59,"end":1132.8301,"sentiment":"neutral","sentiment_score":0.02830972522497177},{"text":"That's interesting to know.","start":1132.8301,"end":1134.13,"sentiment":"neutral","sentiment_score":0.027080565690994263},{"text":"Yep.","start":1134.51,"end":1135.01,"sentiment":"neutral","sentiment_score":0.05821382999420166}],"sentiment":"neutral","sentiment_score":0.041278413496911526,"num_words":8,"start":1118.775,"end":1135.01},{"sentences":[{"text":"Yeah.","start":1135.47,"end":1135.63,"sentiment":"neutral","sentiment_score":0.0861300453543663},{"text":"Yep.","start":1135.63,"end":1136.13,"sentiment":"neutral","sentiment_score":0.10950758308172226},{"text":"Mhmm.","start":1138.8301,"end":1139.3301,"sentiment":"neutral","sentiment_score":0.05841679126024246},{"text":"I think he'll be okay financially.","start":1153.63,"end":1155.49,"sentiment":"neutral","sentiment_score":0.015305583054820696},{"text":"I would only be interested if the payout is more than the premiums.","start":1155.79,"end":1161.81,"sentiment":"neutral","sentiment_score":-0.02084660429794055}],"sentiment":"neutral","sentiment_score":0.0034037300978194585,"num_words":22,"start":1135.47,"end":1161.81},{"sentences":[{"text":"But, like, Like, only if the numbers worked out.","start":1162.35,"end":1171.055,"sentiment":"neutral","sentiment_score":-0.04010669204095999},{"text":"But I don't like, I I have no emotional attachment to leaving a payout for Alan if I was to pass.","start":1171.055,"end":1177.075,"sentiment":"negative","sentiment_score":-0.3382034507535753},{"text":"It's purely, like, it doesn't yeah.","start":1177.615,"end":1180.1951,"sentiment":"neutral","sentiment_score":0.08439811939994495},{"text":"Yep.","start":1186.22,"end":1186.72,"sentiment":"neutral","sentiment_score":0.1880810707807541},{"text":"Mhmm.","start":1190.0599,"end":1190.5599,"sentiment":"neutral","sentiment_score":0.12143489718437196}],"sentiment":"neutral","sentiment_score":-0.17492968446918225,"num_words":38,"start":1162.35,"end":1190.5599},{"sentences":[{"text":"Mhmm.","start":1210.97,"end":1211.47,"sentiment":"neutral","sentiment_score":0.17950209975242615},{"text":"Mhmm.","start":1223.445,"end":1223.945,"sentiment":"neutral","sentiment_score":0.11984959244728088},{"text":"Mhmm.","start":1231.1924,"end":1231.6924,"sentiment":"neutral","sentiment_score":-0.11868377774953842},{"text":"Mhmm.","start":1262.665,"end":1263.165,"sentiment":"neutral","sentiment_score":-0.030910935252904892},{"text":"So right now, my attitude is I don't think I need it, but I will, have a conversation with Alan whether because you you did raise up, like, potentially, the life insurance can go to my mom, which, like, might be useful if she yeah.","start":1268.8,"end":1287.995,"sentiment":"neutral","sentiment_score":-0.00016491487622261047}],"sentiment":"neutral","sentiment_score":0.0029048124442295153,"num_words":49,"start":1210.97,"end":1287.995},{"sentences":[{"text":"Which might be useful.","start":1287.995,"end":1289.0549,"sentiment":"neutral","sentiment_score":0.173045814037323},{"text":"But I'll have a text to Alan and what he thinks because there might be, like, enough other things for my mom anyway in terms of, like, the cash that we hold and that going to her kind of thing without having to involve, like, the insurance.","start":1289.115,"end":1303.16,"sentiment":"neutral","sentiment_score":0.1478630595226237},{"text":"Yep.","start":1309.225,"end":1309.725,"sentiment":"neutral","sentiment_score":0.05283357948064804},{"text":"Yeah.","start":1313.945,"end":1314.1849,"sentiment":"neutral","sentiment_score":0.02677511051297188},{"text":"Put a few minutes.","start":1314.1849,"end":1315.1449,"sentiment":"neutral","sentiment_score":0.016972064971923828}],"sentiment":"neutral","sentiment_score":0.13665340357182318,"num_words":57,"start":1287.995,"end":1315.1449},{"sentences":[{"text":"K.","start":1315.1449,"end":1315.6449,"sentiment":"neutral","sentiment_score":0.026094630360603333},{"text":"Mhmm.","start":1320.9049,"end":1321.32,"sentiment":"neutral","sentiment_score":-0.2023230642080307},{"text":"Mhmm.","start":1331.3999,"end":1331.8999,"sentiment":"neutral","sentiment_score":-0.02570127323269844},{"text":"So I think there is worthwhile merit into looking to that because, like, if I was let's say, if I was to be disabled and then at some point during that, Al and I were to divorce, I would still need to live.","start":1339.155,"end":1353.77,"sentiment":"neutral","sentiment_score":0.02782093144433443},{"text":"So I couldn't be depending on Alan if we were to divorce in that case.","start":1353.9901,"end":1358.5701,"sentiment":"neutral","sentiment_score":-0.10235802630583445}],"sentiment":"neutral","sentiment_score":-0.008868853271496101,"num_words":61,"start":1315.1449,"end":1358.5701},{"sentences":[{"text":"So I would need my own kinda, like, separate things.","start":1358.7101,"end":1361.3701,"sentiment":"neutral","sentiment_score":-0.02797086425125599},{"text":"Yep.","start":1364.31,"end":1364.81,"sentiment":"neutral","sentiment_score":0.0380425900220871},{"text":"What's this is there, like, a standard amount that people do?","start":1373.6749,"end":1377.615,"sentiment":"neutral","sentiment_score":0.0020171595652672377},{"text":"I see.","start":1397.375,"end":1397.9551,"sentiment":"neutral","sentiment_score":-0.037364788353443146},{"text":"Mhmm.","start":1405.135,"end":1405.635,"sentiment":"neutral","sentiment_score":-0.022364910691976547}],"sentiment":"neutral","sentiment_score":-0.01266287138685584,"num_words":25,"start":1358.7101,"end":1405.635},{"sentences":[{"text":"Okay.","start":1411.4299,"end":1411.9299,"sentiment":"neutral","sentiment_score":0.039085134863853455},{"text":"Yeah.","start":1413.0299,"end":1413.35,"sentiment":"neutral","sentiment_score":0.13848498463630676},{"text":"It's kinda like bridging the gap until you can access your super to, like, draw upon that as well.","start":1413.35,"end":1419.85,"sentiment":"neutral","sentiment_score":0.16936348966862025},{"text":"Yep.","start":1429.615,"end":1430.015,"sentiment":"neutral","sentiment_score":-0.00988304615020752},{"text":"Yeah.","start":1430.015,"end":1430.255,"sentiment":"neutral","sentiment_score":-0.04544273763895035}],"sentiment":"neutral","sentiment_score":0.14522394084412119,"num_words":23,"start":1411.4299,"end":1430.255},{"sentences":[{"text":"And, also, if you're drawing out early, it it disrupts the plan of growth and things like that.","start":1430.255,"end":1435.7151,"sentiment":"neutral","sentiment_score":-0.30956510702768963},{"text":"Oh, that's a hassle.","start":1439.375,"end":1440.88,"sentiment":"negative","sentiment_score":-0.3662590980529785},{"text":"Yeah.","start":1441.7401,"end":1441.9801,"sentiment":"neutral","sentiment_score":-0.07356192171573639},{"text":"I'd have to do some research.","start":1441.9801,"end":1443.3601,"sentiment":"neutral","sentiment_score":-0.09835231179992358},{"text":"Mhmm.","start":1450.4601,"end":1450.9601,"sentiment":"neutral","sentiment_score":0.021412506699562073}],"sentiment":"neutral","sentiment_score":-0.25598238681753477,"num_words":30,"start":1430.255,"end":1450.9601},{"sentences":[{"text":"Mhmm.","start":1459.795,"end":1460.295,"sentiment":"neutral","sentiment_score":0.032148148864507675},{"text":"Mhmm.","start":1467.39,"end":1467.89,"sentiment":"neutral","sentiment_score":0.04024142399430275},{"text":"Yep.","start":1474.3574,"end":1474.8574,"sentiment":"neutral","sentiment_score":0.07603126019239426},{"text":"No.","start":1488.445,"end":1488.945,"sentiment":"neutral","sentiment_score":-0.17799076437950134},{"text":"Yep.","start":1489.725,"end":1490.225,"sentiment":"neutral","sentiment_score":-0.060971375554800034}],"sentiment":"neutral","sentiment_score":-0.01810826137661934,"num_words":5,"start":1459.795,"end":1490.225},{"sentences":[{"text":"No.","start":1497.04,"end":1497.28,"sentiment":"neutral","sentiment_score":-0.1768088340759277},{"text":"What was that again?","start":1497.28,"end":1498.26,"sentiment":"neutral","sentiment_score":-0.12062200903892517},{"text":"What's oh, trauma.","start":1498.56,"end":1500.9801,"sentiment":"neutral","sentiment_score":-0.1080171490708987},{"text":"No.","start":1504.64,"end":1505.12,"sentiment":"neutral","sentiment_score":-0.1790667176246643},{"text":"I have not, actually.","start":1505.12,"end":1506.3401,"sentiment":"neutral","sentiment_score":-0.11747661605477333}],"sentiment":"neutral","sentiment_score":-0.1255631922529294,"num_words":13,"start":1497.04,"end":1506.3401},{"sentences":[{"text":"Right.","start":1514.9249,"end":1515.245,"sentiment":"neutral","sentiment_score":-0.046759650111198425},{"text":"Okay.","start":1515.245,"end":1515.745,"sentiment":"neutral","sentiment_score":-0.06141307204961777},{"text":"Yep.","start":1520.9901,"end":1521.4901,"sentiment":"neutral","sentiment_score":-0.04289652034640312},{"text":"Mhmm.","start":1547.385,"end":1547.885,"sentiment":"neutral","sentiment_score":-0.021251413971185684},{"text":"Mhmm.","start":1563.72,"end":1563.975,"sentiment":"neutral","sentiment_score":0.007597935386002064}],"sentiment":"neutral","sentiment_score":-0.03294454421848059,"num_words":5,"start":1514.9249,"end":1563.975},{"sentences":[{"text":"Mhmm.","start":1575.815,"end":1576.315,"sentiment":"neutral","sentiment_score":-0.04058036208152771},{"text":"Mhmm.","start":1584.4601,"end":1584.9601,"sentiment":"neutral","sentiment_score":-0.13807523250579834},{"text":"Mhmm.","start":1594.005,"end":1594.505,"sentiment":"neutral","sentiment_score":-0.1475493609905243},{"text":"Mhmm.","start":1605.765,"end":1606.265,"sentiment":"neutral","sentiment_score":-0.1808513104915619},{"text":"I don't think we need it.","start":1606.485,"end":1608.025,"sentiment":"neutral","sentiment_score":-0.33162955939769745}],"sentiment":"neutral","sentiment_score":-0.2496833622455597,"num_words":10,"start":1575.815,"end":1608.025},{"sentences":[{"text":"I think yep.","start":1608.51,"end":1609.73,"sentiment":"neutral","sentiment_score":-0.06613487626115482},{"text":"Mhmm.","start":1610.27,"end":1610.77,"sentiment":"neutral","sentiment_score":-0.013853276148438454},{"text":"Mhmm.","start":1616.59,"end":1617.09,"sentiment":"neutral","sentiment_score":-0.10779884457588196},{"text":"Mhmm.","start":1634.825,"end":1635.325,"sentiment":"neutral","sentiment_score":-0.17252078652381897},{"text":"Mhmm.","start":1648.03,"end":1648.53,"sentiment":"neutral","sentiment_score":-0.019806254655122757}],"sentiment":"neutral","sentiment_score":-0.07319768438381809,"num_words":7,"start":1608.51,"end":1648.53},{"sentences":[{"text":"I can do next week, ten thirty.","start":1657.875,"end":1666.135,"sentiment":"neutral","sentiment_score":0.03501213860831091},{"text":"10:30?","start":1666.82,"end":1667.48,"sentiment":"neutral","sentiment_score":0.01280063670128584},{"text":"Yeah.","start":1677.06,"end":1677.56,"sentiment":"neutral","sentiment_score":0.05186453461647034},{"text":"Okay.","start":1689.5249,"end":1690.0249,"sentiment":"neutral","sentiment_score":0.01822264865040779},{"text":"Yep.","start":1690.325,"end":1690.485,"sentiment":"neutral","sentiment_score":0.031569331884384155}],"sentiment":"neutral","sentiment_score":0.03268564746461131,"num_words":11,"start":1657.875,"end":1690.485},{"sentences":[{"text":"Mhmm.","start":1690.485,"end":1690.985,"sentiment":"neutral","sentiment_score":0.04566936567425728},{"text":"Yep.","start":1692.05,"end":1692.55,"sentiment":"neutral","sentiment_score":0.07145917415618896},{"text":"Mhmm.","start":1696.37,"end":1696.87,"sentiment":"neutral","sentiment_score":0.13207733631134033},{"text":"Yep.","start":1718.525,"end":1719.025,"sentiment":"neutral","sentiment_score":0.09823441505432128},{"text":"Mhmm.","start":1719.0851,"end":1719.54,"sentiment":"neutral","sentiment_score":0.0553421676158905}],"sentiment":"neutral","sentiment_score":0.08055649176239968,"num_words":5,"start":1690.485,"end":1719.54},{"sentences":[{"text":"Mhmm.","start":1742.675,"end":1742.8351,"sentiment":"neutral","sentiment_score":0.10101981461048126},{"text":"Yep.","start":1742.8351,"end":1743.155,"sentiment":"neutral","sentiment_score":0.16486269235610962},{"text":"Perfect.","start":1743.155,"end":1743.655,"sentiment":"positive","sentiment_score":0.35689008235931396},{"text":"No.","start":1750.91,"end":1751.0701,"sentiment":"neutral","sentiment_score":-0.11359290778636932},{"text":"I've got it in my calendar.","start":1751.0701,"end":1752.05,"sentiment":"neutral","sentiment_score":-0.029288630311687786}],"sentiment":"neutral","sentiment_score":0.03334478996694088,"num_words":10,"start":1742.675,"end":1752.05},{"sentences":[{"text":"Eleven on Monday.","start":1752.11,"end":1753.49,"sentiment":"neutral","sentiment_score":0.0364919143418471},{"text":"Yep.","start":1753.63,"end":1754.13,"sentiment":"neutral","sentiment_score":0.10632668435573578},{"text":"Mhmm.","start":1757.0701,"end":1757.5701,"sentiment":"neutral","sentiment_score":0.08618432283401489},{"text":"Mhmm.","start":1758.8301,"end":1759.3301,"sentiment":"neutral","sentiment_score":0.08174926042556763},{"text":"Mhmm.","start":1761.225,"end":1761.725,"sentiment":"neutral","sentiment_score":0.12630152702331543}],"sentiment":"neutral","sentiment_score":0.07286250538059644,"num_words":7,"start":1752.11,"end":1761.725},{"sentences":[{"text":"Yeah.","start":1771.225,"end":1771.625,"sentiment":"neutral","sentiment_score":0.1567017138004303},{"text":"So if you need to turn that call on Monday into, like, a shared call with me and Alan, like, as in once we're done with our insurance, he can pop on and we can do a thing.","start":1771.625,"end":1780.0701,"sentiment":"neutral","sentiment_score":0.12930529897934512},{"text":"Because that's a public holiday for him, so he won't, like, he won't have any work meetings and stuff.","start":1780.0701,"end":1785.13,"sentiment":"neutral","sentiment_score":0.06309791321032926},{"text":"And so he'll be home and he'll be free.","start":1786.0701,"end":1789.1901,"sentiment":"neutral","sentiment_score":0.30231164892514545},{"text":"I mean, like, I'm yeah.","start":1789.1901,"end":1792.215,"sentiment":"neutral","sentiment_score":0.17717686891555787}],"sentiment":"neutral","sentiment_score":0.13716461959605417,"num_words":72,"start":1771.225,"end":1792.215},{"sentences":[{"text":"Yeah.","start":1792.355,"end":1792.595,"sentiment":"neutral","sentiment_score":0.08881019055843353},{"text":"Mhmm.","start":1792.595,"end":1793.095,"sentiment":"neutral","sentiment_score":0.027651207521557808},{"text":"Probably email him, and then I'll bug him to, like, check his email.","start":1802.995,"end":1808.85,"sentiment":"neutral","sentiment_score":0.0209040054335044},{"text":"Yeah.","start":1809.47,"end":1809.97,"sentiment":"neutral","sentiment_score":0.17286895215511322},{"text":"Yep.","start":1812.6699,"end":1813.1699,"sentiment":"neutral","sentiment_score":0.11801957339048386}],"sentiment":"neutral","sentiment_score":0.03994717613300856,"num_words":17,"start":1792.355,"end":1813.1699},{"sentences":[{"text":"Yeah.","start":1818.35,"end":1818.51,"sentiment":"neutral","sentiment_score":0.07777117192745209},{"text":"Yeah.","start":1818.51,"end":1819.01,"sentiment":"neutral","sentiment_score":0.0829920619726181},{"text":"Yeah.","start":1822.435,"end":1822.935,"sentiment":"neutral","sentiment_score":0.03262914717197418},{"text":"I'll I'll add it from my calendar into his calendar so that so that it looks like he's going to So he it looks like he's also got the call as well.","start":1822.995,"end":1834.13,"sentiment":"neutral","sentiment_score":0.2011774133425206},{"text":"But I'll we can start up with our staff, and then I'll get him on when you're ready for to have a growth thing.","start":1834.13,"end":1840.6901,"sentiment":"neutral","sentiment_score":0.17768833382676044}],"sentiment":"neutral","sentiment_score":0.18467101050635515,"num_words":59,"start":1818.35,"end":1840.6901},{"sentences":[{"text":"Yep.","start":1840.6901,"end":1841.1901,"sentiment":"neutral","sentiment_score":0.09143871068954468},{"text":"That's alright.","start":1845.0651,"end":1845.725,"sentiment":"neutral","sentiment_score":0.2514794319868088},{"text":"Mhmm.","start":1847.425,"end":1847.925,"sentiment":"neutral","sentiment_score":0.20726102590560913},{"text":"Thank you so much for your help, Ronica.","start":1849.625,"end":1851.145,"sentiment":"positive","sentiment_score":0.7613230794668198},{"text":"I appreciate it.","start":1851.145,"end":1852.125,"sentiment":"positive","sentiment_score":0.6200576225916544}],"sentiment":"positive","sentiment_score":0.5834944069385528,"num_words":15,"start":1840.6901,"end":1852.125},{"sentences":[{"text":"Thanks.","start":1855.385,"end":1855.7051,"sentiment":"positive","sentiment_score":0.6017541289329529},{"text":"Bye.","start":1855.7051,"end":1856.2051,"sentiment":"neutral","sentiment_score":0.2808922231197357}],"sentiment":"positive","sentiment_score":0.4413231760263443,"num_words":2,"start":1855.385,"end":1856.2051}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hello. I'm just cut off there. That's all good. Sorry. You did cut off.\n\nI know you said it was set up as a company and as something with the\n\nChannel 1: Yes.\n\nChannel 0: accounts, and then I lost you.\n\nChannel 1: Oh, okay. Yep. So we're an ACN. At the time we set it up, I owed 50%. My business partner owns 50%, and we have shares.\n\nEssentially, they set up shares,\n\nChannel 0: Mhmm.\n\nChannel 1: and so we\n\nChannel 0: Mhmm.\n\nChannel 1: just own half half, essentially.\n\nChannel 0: Yes.\n\nChannel 1: It is it is a profitable business, but it's not possible in the sense of, like, there is at the end of the financial year, there is leftover money because we are at the moment in kinda like a growing phase\n\nChannel 0: Mhmm.\n\nChannel 1: of the business, but we have essentially employees, like\n\nChannel 0: Mhmm.\n\nChannel 1: I'm trying to remember, like, three or four employees. Then we have,\n\nChannel 0: Yep.\n\nChannel 1: like, a revenue of I've forgotten. Adjusted the, like, profit\n\nChannel 0: No.\n\nChannel 1: and loss\n\nChannel 0: That's okay.\n\nChannel 1: statement. But but, essentially, we pay salaries and do all those things, But there is no profit as such after expenses are paid out at the end of the\n\nChannel 0: Mhmm.\n\nChannel 1: financial year to pay into, like, dividends for us.\n\nChannel 0: Yep. Okay.\n\nChannel 1: Mhmm.\n\nChannel 0: So from your point of view, so you are an unpaid employee from this company?\n\nChannel 1: Yeah. So I\n\nChannel 0: Yeah.\n\nChannel 1: I have like, I wear the hat of director, but then I\n\nChannel 0: Mhmm.\n\nChannel 1: also wear the hat of business manager. So,\n\nChannel 0: Okay.\n\nChannel 1: obviously, director doesn't actually need to do like, needs to be it's like more of a liability responsibility hat,\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: but it doesn't necessarily mean you have to do stuff for the business day to day. So that's where\n\nChannel 0: Yep.\n\nChannel 1: my business manager hat comes on. And\n\nChannel 0: Mhmm.\n\nChannel 1: so for business manager related activities, we've finally reached a point where, okay, we can on the books, I work casually for the company.\n\nChannel 0: Okay. Yep.\n\nChannel 1: And so this year, we were able to pay ourselves for those activities.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. The it's complicated because we are a health base, But also when we set up set up the company, we wanted to pay our employees fairly, and we also wanted to make our services accessible for the community. So we work with NDIS\n\nChannel 0: Yep.\n\nChannel 1: and, like,\n\nChannel 0: Oh, yeah.\n\nChannel 1: chronic\n\nChannel 0: Yep.\n\nChannel 1: ill patients. So for us, it wasn't about, like, we would like to\n\nChannel 0: Mhmm.\n\nChannel 1: make\n\nChannel 0: Yeah.\n\nChannel 1: it a lot of money, but we\n\nChannel 0: Yeah.\n\nChannel 1: also don't wanna, like,\n\nChannel 0: Not\n\nChannel 1: take\n\nChannel 0: the\n\nChannel 1: advantage\n\nChannel 0: perfect.\n\nChannel 1: of people.\n\nChannel 0: Yeah. No.\n\nChannel 1: Yep.\n\nChannel 0: And that's a very nice thing. Okay. Beautiful. So from that, I have here that you pay yourself at the moment about $800 a month. Is\n\nChannel 1: Yes.\n\nChannel 0: that before or after tax?\n\nChannel 1: Good question. And you know such a little amount. I was just like, oh, it's like a it was kind of like a token amount. I didn't really look into whether it was, like, before or after tax. I would have to double check my accounting software.\n\nI think\n\nChannel 0: Yep.\n\nChannel 1: it is I think that's probably after tax.\n\nChannel 0: After tax?\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Perfect. So that's where you would get in your bank account, essentially?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yeah. Okay. And, obviously, the way that you are then employed by the business, do\n\nChannel 1: Mhmm.\n\nChannel 0: you you pay yourself the standard 12% contribution\n\nChannel 1: Yeah. So\n\nChannel 0: over\n\nChannel 1: we do\n\nChannel 0: the year? Mhmm.\n\nChannel 1: so we do the like, every time a pager comes out, it comes with\n\nChannel 0: Yep.\n\nChannel 1: the the, like, standard super contributions.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Mhmm.\n\nChannel 0: And is that going into your Aware\n\nChannel 1: That's\n\nChannel 0: Super\n\nChannel 1: that\n\nChannel 0: at\n\nChannel 1: same\n\nChannel 0: the moment?\n\nChannel 1: account. Yes.\n\nChannel 0: Yep. Okay. Perfect. Because I can see here from the research that Jordan did that last contribution was in 2024.\n\nChannel 1: Yes. So that was so the big contribution so the big contribution was lost because of my corporate job in 2024. We've only started paying ourselves this year.\n\nChannel 0: Mhmm.\n\nChannel 1: So\n\nChannel 0: Right.\n\nChannel 1: there is, like,\n\nChannel 0: I\n\nChannel 1: a\n\nChannel 0: see.\n\nChannel 1: very small, like, $120 contribution. But it's it's, like, it's only been really recent. So\n\nChannel 0: Okay. But on\n\nChannel 1: yeah.\n\nChannel 0: a yearly, like, from from now on, the way it's structured, you will pay yourself 12% in total over\n\nChannel 1: Yeah.\n\nChannel 0: the year moving forward.\n\nChannel 1: Yeah. Yeah. Moving\n\nChannel 0: Great.\n\nChannel 1: forward.\n\nChannel 0: Perfect. No. That's good. Just because when I do, obviously, the research on your superannuation, I will do a bit of a projections and stuff as well of where you are currently tracking and if I do make a recommendation for an alternative option, where that\n\nChannel 1: Yeah.\n\nChannel 0: will put you. So I just wanted to make sure I had all those information so that\n\nChannel 1: Yeah.\n\nChannel 0: is good. So moving forward, it will be 12%. And will that be 12% of the 800 per month you earn after tax?\n\nChannel 1: No. So that is that the a hundredth pay that got in is so what if 800 shipped my account is after, like, the super and stuff? 800 is, like\n\nChannel 0: Okay.\n\nChannel 1: what are the numbers of that? Yeah. So\n\nChannel 0: Sorry.\n\nChannel 1: the super is, like, in addition to the 800.\n\nChannel 0: Okay. So\n\nChannel 1: Yeah.\n\nChannel 0: the 800 just and I can do the math. That's okay. So 800\n\nChannel 1: Yeah.\n\nChannel 0: per month after tax and after 12% contribution has been deducted already. Is that correct?\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: Now\n\nChannel 0: Okay. Mhmm.\n\nChannel 1: I don't actually need that 800. So if there is, like, some benefit to just salary sacrifice since I entered into Super Bowl, like, I'm\n\nChannel 0: Mhmm.\n\nChannel 1: happy to do that because I'm happy to put all like, grow the super as much as I can because, yeah, at the moment, Alan's income is, like, providing for everything that we need.\n\nChannel 0: Yep. Okay. Perfect. So happy to and how much out of the 800 that you get,\n\nChannel 1: Yep.\n\nChannel 0: how much would you want to keep? How much would you be comfortable putting into super if it was going to be a good option without obviously impacting any other goals you might have?\n\nChannel 1: I'm happy to put all of it because\n\nChannel 0: Mhmm.\n\nChannel 1: we had a I know you originally, when I quit my job, you had a conversation with Alan about contributing to my superb, but\n\nChannel 0: Yes.\n\nChannel 1: then the discussion was that it would be after his tax, so then he would lose out on benefits. I don't remember exactly what those benefits were. So then\n\nChannel 0: Mhmm.\n\nChannel 1: we\n\nChannel 0: Yep.\n\nChannel 1: decided, okay. That's not, like as a team, that's\n\nChannel 0: Yes.\n\nChannel 1: not good for us as a team. So\n\nChannel 0: Mhmm.\n\nChannel 1: we made the decision a few months ago to not do that,\n\nChannel 0: Okay.\n\nChannel 1: but we also decided that, at the moment, we have cash in a shared account.\n\nChannel 0: Mhmm.\n\nChannel 1: And,\n\nChannel 0: Mhmm.\n\nChannel 1: also, we after seeing to our accountant, he was like, well, if she's not growing income, it would actually and if you guys still gonna stay together, which we are, then it's\n\nChannel 0: Mhmm.\n\nChannel 1: better to to for me to have the account and move our shared money in under my name so\n\nChannel 0: Mhmm.\n\nChannel 1: that it can contribute. So in that way, I'm like, okay. I'm here with that because then if anything happens,\n\nChannel 0: Yep.\n\nChannel 1: this massive amount of money is under my knee.\n\nChannel 0: Yes.\n\nChannel 1: We're not attracting tax on that.\n\nChannel 0: Yes.\n\nChannel 1: Because I'm over the tax of $50.50 on the interest on that amount. And then also we made the decision that going forward, because I manage our shared investments anyway, that I would just create another SelfWealth account under my name and use our money to invest for us, but then only I attract the any, like, gains\n\nChannel 0: Yeah.\n\nChannel 1: of\n\nChannel 0: Couple\n\nChannel 1: interest\n\nChannel 0: of games.\n\nChannel 1: dividends\n\nChannel 0: Tax.\n\nChannel 1: of\n\nChannel 0: Yep. Okay.\n\nChannel 1: yeah. Yeah.\n\nChannel 0: Okay.\n\nChannel 1: So with that, I'm okay with letting go of super contributions because\n\nChannel 0: Yep.\n\nChannel 1: I mean, even if we divorce, it'll be split fifty fifty. Like, I wanna have very\n\nChannel 0: Yeah.\n\nChannel 1: candid conversations\n\nChannel 0: That's\n\nChannel 1: about our\n\nChannel 0: good.\n\nChannel 1: relationship. There is no plan to divorce.\n\nChannel 0: Yeah.\n\nChannel 1: We're very, very happy, but\n\nChannel 0: That's\n\nChannel 1: people\n\nChannel 0: good.\n\nChannel 1: change.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Yep.\n\nChannel 1: even depending on what happened, we are like, okay. It's $50.50 anyway. Even\n\nChannel 0: Okay.\n\nChannel 1: if I'm not contributing financially\n\nChannel 0: Yep.\n\nChannel 1: now yeah.\n\nChannel 0: Yep. Yep. Okay. Perfect.\n\nChannel 1: Mhmm.\n\nChannel 0: And we've so, typically, when it comes through the contribution making extra\n\nChannel 1: Mhmm.\n\nChannel 0: contribution as well, the way that I would calculate it is like, okay. Well, from which purpose? Is it to save on tax, or is it to\n\nChannel 1: Yes.\n\nChannel 0: get you to your super goal? But, obviously,\n\nChannel 1: Mhmm.\n\nChannel 0: then the super goal is, okay. I, for example, wanna retire at 60 with a million dollars. Will I be on tax for that or not? And if I'm not on tax, then putting extra contributions will assist with that.\n\nChannel 1: Yep.\n\nChannel 0: Because, obviously,\n\nChannel 1: Mhmm.\n\nChannel 0: things are a bit kind of a little bit gray from, I guess, what you need from superannuation. Now, obviously, I have the combined income of a thousand a 100,000 per year, but that's not just solely from super. So the purpose for you to if putting more money into super would be mainly from the tax saving and also then, obviously, build your superannuation, not necessarily achieving a certain figure or goal when you retire. Is that correct?\n\nChannel 1: Mhmm. Because, essentially,\n\nChannel 0: Yep.\n\nChannel 1: we want to I still wanna we still wanna put a a portion of our money, and\n\nChannel 0: Yep.\n\nChannel 1: this is, like, money after tax,\n\nChannel 0: Yes.\n\nChannel 1: not part of Super into our investment so that we have the option\n\nChannel 0: Yep.\n\nChannel 1: at 50 to retire\n\nChannel 0: Yep.\n\nChannel 1: if we wanted to.\n\nChannel 0: Yes.\n\nChannel 1: But that is obviously we would be able to access Super at that point. So\n\nChannel 0: Yes. Okay.\n\nChannel 1: but but we wanna, like, maximize our Super as much as we can.\n\nChannel 0: Okay. Okay. Perfect. Now I'll have a bit of a look. And then, also, even, you know, when we are looking at potentially branching out after superannuation as well, there's a lot of other tax\n\nChannel 1: Mhmm.\n\nChannel 0: effective ways you can look at to achieve that, like investment bonds and other things that are very tax effective, especially if the goal is that you wanna retire at, let's say, 50, but you still always need to draw an income, then that's a really tax effective way for for some\n\nChannel 1: Mhmm.\n\nChannel 0: people as well. So I'll have a bit of a look at it and then see how everything pans out. It's\n\nChannel 1: Yeah.\n\nChannel 0: good to know\n\nChannel 1: And\n\nChannel 0: with this as well. Yeah. Sorry.\n\nChannel 1: yeah.\n\nChannel 0: You go.\n\nChannel 1: Oh, no. I was just gonna say, at the moment, I'm only really comfortable at the moment because I've only educated myself up to the point of, like, ETFs. But I know that there is a whole other world of other things to invest in, like, potentially bonds and things like\n\nChannel 0: Yes.\n\nChannel 1: that, which I\n\nChannel 0: Yep.\n\nChannel 1: know that there is a gap in my knowledge that I want to so if you,\n\nChannel 0: Like, explore. Mhmm.\n\nChannel 1: like, have any suggestions of resources or anything that I can, like just so that I'm on the same page as you as we're discussing\n\nChannel 0: Yep.\n\nChannel 1: things and I feel\n\nChannel 0: Yes.\n\nChannel 1: comfortable with decisions itself. I'm happy\n\nChannel 0: Yep.\n\nChannel 1: to do the homework for that as\n\nChannel 0: Okay.\n\nChannel 1: well.\n\nChannel 0: Yes.\n\nChannel 1: Yep.\n\nChannel 0: And every time I do make like, if every time we do make a recommendation, because it's personalized advice, I would provide you with all the research and stuff anyway to obviously\n\nChannel 1: Perfect,\n\nChannel 0: back up\n\nChannel 1: Paul.\n\nChannel 0: everything so that you can also obviously see where it all comes from, and you can also\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: check everything yourself if you'd like to do that. So that\n\nChannel 1: Mhmm.\n\nChannel 0: is no problem. So we'll definitely\n\nChannel 1: Mhmm.\n\nChannel 0: do that. Alright. So that is essentially for everything for your super and that now insurances. What are your thoughts\n\nChannel 1: Mhmm.\n\nChannel 0: on insurances? Is that important to you? How do you feel about insurances?\n\nChannel 1: I think it's important, but it was more important when I was earning, like, a high salary corporate salary\n\nChannel 0: Mhmm. Mhmm.\n\nChannel 1: in case anything happened to me. But at this\n\nChannel 0: Yep.\n\nChannel 1: point, I don't know how it plays in with, like, the yeah. Like, the amount that I'm currently, like, projected to be earning over the next year, like, whether it's still actually worth it.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. I'm happy to, like, receive advice on that because before it like, all the reasons why you get insurance made sense. And then even now, like, let's say in the case of, like, you know, death, right,\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: or disability, like, it would it would cover based on the income that you could potentially be earning. So what what am I actually drawing if something happened to me? And then even\n\nChannel 0: Yep.\n\nChannel 1: if I was to die,\n\nChannel 0: Yep.\n\nChannel 1: like, Alan's current wealth would not be affected.\n\nChannel 0: Yep.\n\nChannel 1: So then, like, how much of the insurance would like, are we\n\nChannel 0: Would\n\nChannel 1: are\n\nChannel 0: you\n\nChannel 1: we\n\nChannel 0: need?\n\nChannel 1: is it yeah. Because you're\n\nChannel 0: Yep.\n\nChannel 1: still paying, like, premiums and stuff on\n\nChannel 0: Correct.\n\nChannel 1: insurance.\n\nChannel 0: Correct.\n\nChannel 1: Yeah.\n\nChannel 0: And it's one of those things that's, like, for a lot of people, the the purpose of having insurance is to cover the shortfall for if something were to happen to you, if you don't wanna leave your family in a very tricky situation when they're forced to sell the house or you can't\n\nChannel 1: Yeah.\n\nChannel 0: like, you're in a really, really bad position. So the purpose\n\nChannel 1: Yeah.\n\nChannel 0: of this is to to cover that gap if you are not self insured. It doesn't mean that\n\nChannel 1: Yes.\n\nChannel 0: everyone have to have insurances if you are in a good position. So you kind of\n\nChannel 1: Yes.\n\nChannel 0: wanna have a bit of a balance. So if we look at if we start, for example, life insurance, so that is obviously if something were to happen to you. Now I usually go with, okay. If something were to happen to you, what would you like to have happen? So not necessarily a standardized earning this many much income, money to cover this many years.\n\nIt's more than what do you want to have happen. So, for example, most people go, well, I want all my debt paid out. I want my mortgage paid off. So if something were to happen to me, I don't wanna leave any debt for my partner so that they're forced to sell the house. Now for you, because you have everything sitting in the offset, is that correct for your mortgage\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: and no other\n\nChannel 1: Yep.\n\nChannel 0: debt, that\n\nChannel 1: Yep. No\n\nChannel 0: won't\n\nChannel 1: other\n\nChannel 0: be\n\nChannel 1: debt.\n\nChannel 0: a a a factor.\n\nChannel 1: Yes.\n\nChannel 0: Then,\n\nChannel 1: Exactly.\n\nChannel 0: yeah, then the other thing is, okay. Well because you guys don't have financial dependents?\n\nChannel 1: No.\n\nChannel 0: No. Then that's sometimes where people would go like, okay. Well, I want to make sure that I give x amount to my children if something were to happen. I wanna leave this behind to help cover private schooling or whatever it might be,\n\nChannel 1: Yes.\n\nChannel 0: especially if you have small small children. So if\n\nChannel 1: So\n\nChannel 0: that's not\n\nChannel 1: I think\n\nChannel 0: necessarily yeah.\n\nChannel 1: yeah. I think at this point, we're not planning\n\nChannel 0: Yep.\n\nChannel 1: to have kids\n\nChannel 0: Yep.\n\nChannel 1: provided that our minds don't change in the next five years\n\nChannel 0: Yeah.\n\nChannel 1: or so. I think we're\n\nChannel 0: Yep.\n\nChannel 1: on the track of, like, it's really just us too. So\n\nChannel 0: Yep.\n\nChannel 1: that's also part of, like, the financial planning is that okay. And even if we did have kids, I would wanna make sure\n\nChannel 0: Yep.\n\nChannel 1: that our financial planning is and I think the number of a 100,000 would cover, like, any care that Al and I need\n\nChannel 0: Mhmm.\n\nChannel 1: if\n\nChannel 0: Yep.\n\nChannel 1: we were older and stuff anyway. So,\n\nChannel 0: Mhmm.\n\nChannel 1: like, we wouldn't have to at this point, whatever plans we make is not planning to provide,\n\nChannel 0: Yep.\n\nChannel 1: like, whatever for kids, and\n\nChannel 0: Yep.\n\nChannel 1: then it would just be managing ourselves.\n\nChannel 0: Yep. Okay. And if something also would've happened to you,\n\nChannel 1: Yep.\n\nChannel 0: from an estate point of view, would you like it to go to Alan?\n\nChannel 1: Yes. Now I probably also need to talk to Alan. So I have a situation where my so I have I think Jordan asked me about it. So I have a an amount of money that I keep for my mom. So mom\n\nChannel 0: Mhmm. Mhmm. Yes.\n\nChannel 1: is in a, like, financial coercive relationship. And so\n\nChannel 0: Oh, I'm sorry to hear that.\n\nChannel 1: thank you. That's okay. I've done lots of therapy. It is what it is, but, essentially,\n\nChannel 0: Yep.\n\nChannel 1: it's a safety net for her. So\n\nChannel 0: Yep.\n\nChannel 1: I don't know we haven't we haven't done a will yet, but we probably\n\nChannel 0: Mhmm.\n\nChannel 1: and Alan is very supportive of my mom.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Oh, that's beautiful.\n\nChannel 1: so we probably need to plan today that if I was to pass away, that\n\nChannel 0: Mhmm.\n\nChannel 1: there would be something to protect her but is not accessible to her partner. So she's\n\nChannel 0: Okay.\n\nChannel 1: still in the partnership, but\n\nChannel 0: Yep.\n\nChannel 1: and, essentially, at the moment, I keep, like, a pile of cash. So if she\n\nChannel 0: Mhmm.\n\nChannel 1: says to me one day, I wanna leave, like, we we can,\n\nChannel 0: It's\n\nChannel 1: like,\n\nChannel 0: that.\n\nChannel 1: set her\n\nChannel 0: Okay.\n\nChannel 1: up with stuff.\n\nChannel 0: Okay. Yep.\n\nChannel 1: So she's she's not a dependent, but it's kind\n\nChannel 0: Mhmm.\n\nChannel 1: of like, okay. Well, the very least that amount is for her, but\n\nChannel 0: Yes.\n\nChannel 1: it's but we don't wanna be in a place where the partner can, like, be like, oh, it's mine,\n\nChannel 0: Get access.\n\nChannel 1: like, kind of\n\nChannel 0: Yep.\n\nChannel 1: thing.\n\nChannel 0: Yep.\n\nChannel 1: So I'm but we at the moment, we haven't had to, like, do more complex things, like, trust or anything like that because, like, I'm kinda holding it.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. So I don't know like, we haven't really thought about, like, what happens if I die.\n\nChannel 0: Yes.\n\nChannel 1: If Alan and I both die in, like, a\n\nChannel 0: Yeah.\n\nChannel 1: freak accident or something, how\n\nChannel 0: Yep.\n\nChannel 1: that would work out?\n\nChannel 0: What? Yeah. And will\n\nChannel 1: Yep.\n\nChannel 0: is definitely the best way for that, because especially\n\nChannel 1: Yeah.\n\nChannel 0: if you already have cash put aside for your mom,\n\nChannel 1: Mhmm.\n\nChannel 0: then\n\nChannel 1: Mhmm.\n\nChannel 0: having that stipulated in a will would be good. Now for, obviously, superannuations are also, obviously, all your assets. But if something were to happen to you, you also have your super balance. So that would still be another 215,000 paid out\n\nChannel 1: Mhmm.\n\nChannel 0: if\n\nChannel 1: Yep.\n\nChannel 0: something were to happen to you. Now if\n\nChannel 1: Yep.\n\nChannel 0: that goes to your spouse, it is completely tax free. So he would then receive everything tax free.\n\nChannel 1: Okay.\n\nChannel 0: There are sometimes, like, if it's not going through a financial dependent or a spouse or someone that you live with or have a, like, interdependency relationship with, which it doesn't sound like your mom, then she would if it would go from not cash, and let's say you instead wanna go, I wanna give a portion from my super to her, then she would be liable most likely to pay tax on her benefits. But if you have it in cash already, then, obviously,\n\nChannel 1: Mhmm.\n\nChannel 0: that wouldn't be the case. So\n\nChannel 1: Mhmm.\n\nChannel 0: especially if you already have the money put aside in a cash account or time deposit or something for\n\nChannel 1: Yep.\n\nChannel 0: your mom\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: interview, then having your super to Alan will be tax free to him. And then, obviously, then you can decide how you want to then distribute the rest of the assets. So more goes to your mom\n\nChannel 1: Okay.\n\nChannel 0: if\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: That's\n\nChannel 0: wanted\n\nChannel 1: interesting\n\nChannel 0: to.\n\nChannel 1: to know. Yep. Yeah. Yep.\n\nChannel 0: So alright. Perfect. So\n\nChannel 1: Mhmm.\n\nChannel 0: life insurance might not be that important then. Do you feel like you want a life insurance policy? Do you feel like you want to leave extra behind for Alan if you were to pass away, or do you think he would be okay financially? Or how do you feel\n\nChannel 1: I think\n\nChannel 0: about\n\nChannel 1: he'll\n\nChannel 0: life insurance?\n\nChannel 1: be okay financially. I would only be\n\nChannel 0: Mhmm.\n\nChannel 1: interested if the payout is more than the premiums. But, like, Like, only\n\nChannel 0: So\n\nChannel 1: if\n\nChannel 0: for\n\nChannel 1: the numbers worked out. But I don't like,\n\nChannel 0: Yeah.\n\nChannel 1: I I have no emotional attachment to leaving a payout for Alan if I was to pass.\n\nChannel 0: Okay. Okay.\n\nChannel 1: It's\n\nChannel 0: Yeah.\n\nChannel 1: purely,\n\nChannel 0: Because,\n\nChannel 1: like,\n\nChannel 0: obviously\n\nChannel 1: it doesn't yeah.\n\nChannel 0: because with the the insurance, it's like you pay a yearly premium for it\n\nChannel 1: Yep.\n\nChannel 0: in the event that you would ever need it. Now\n\nChannel 1: Mhmm.\n\nChannel 0: often, you would hope you never have to use it, and then you're just paying for that safety net to have it. We can look at any amount. So if you were like, no. I want a million dollars left behind. We can look at that.\n\nThe premium depends on the insurer, so it depends on your your health, your occupation,\n\nChannel 1: Mhmm.\n\nChannel 0: lifestyle, and stuff like that. So it is quite tailored to you. So if it was something that you were like, oh, you know, I'd be interested in looking at x\n\nChannel 1: Mhmm.\n\nChannel 0: amount of life insurance. I can get a quote and stuff for you. But if you feel like based on what you were telling me, there is no\n\nChannel 1: Mhmm.\n\nChannel 0: need for it, then I won't include life because it it it also comes with, like, the premium. So it's like if if you wanted to leave anything extra or there wasn't anything else you wanna cover for, we can do it. But from what you were telling me, it seems like life might not be that important if you don't have any debts paid out, you don't have any financial dependents, and Alan is okay with his income if something were to happen to you unless you want an extra buffer left in a life insurance policy for your mom or something else? Or\n\nChannel 1: Mhmm.\n\nChannel 0: what do you kinda think about life? Are you quite happy to not have life insurance? Or what do\n\nChannel 1: So\n\nChannel 0: you think?\n\nChannel 1: right now, my\n\nChannel 0: Mhmm.\n\nChannel 1: attitude is I don't think I need it, but I\n\nChannel 0: Yep.\n\nChannel 1: will, have a conversation with Alan\n\nChannel 0: Okay.\n\nChannel 1: whether\n\nChannel 0: Yep.\n\nChannel 1: because you you did raise up, like, potentially, the life insurance can go to my mom,\n\nChannel 0: Mhmm. Mhmm.\n\nChannel 1: which, like, might be useful\n\nChannel 0: Mhmm.\n\nChannel 1: if she yeah. Which might be useful. But\n\nChannel 0: Okay.\n\nChannel 1: I'll have a text to Alan and what he\n\nChannel 0: Yep.\n\nChannel 1: thinks because there might be, like, enough other things for my mom anyway in\n\nChannel 0: Yep.\n\nChannel 1: terms of, like, the cash that we hold and that going to her\n\nChannel 0: Yep.\n\nChannel 1: kind of thing without having to involve, like, the insurance.\n\nChannel 0: Yes. Okay. I'll just put a little TBC on it, and then you can chat to Alan. Now\n\nChannel 1: Yep.\n\nChannel 0: do you have time to talk about the other insurance policies, or how are you for time?\n\nChannel 1: Yeah. Put a few minutes. K.\n\nChannel 0: Yep. Okay. The other one is then your TPD. That is totally and permanently disabled, and that is\n\nChannel 1: Mhmm.\n\nChannel 0: if you were to something would happen to you, and you can never go back to work again. There is a life there is a insurance policy you can take out in that situation.\n\nChannel 1: Mhmm.\n\nChannel 0: Is that something you feel like you wanna look at, or what are your thoughts on the total permanent disability? Do you feel like you need it?\n\nChannel 1: So I think there is worthwhile\n\nChannel 0: Mhmm.\n\nChannel 1: merit into looking to that because, like, if I was let's say, if I was to be disabled\n\nChannel 0: Yep.\n\nChannel 1: and then at some point during that, Al and I were to divorce, I would\n\nChannel 0: Yep.\n\nChannel 1: still need to live. So\n\nChannel 0: Yes.\n\nChannel 1: I couldn't be depending on Alan if we were to\n\nChannel 0: Mhmm.\n\nChannel 1: divorce in that case. So I\n\nChannel 0: Yep.\n\nChannel 1: would need\n\nChannel 0: Yep.\n\nChannel 1: my own kinda, like, separate things.\n\nChannel 0: Separate. Yep. So TPD.\n\nChannel 1: Yep.\n\nChannel 0: Now do you have an amount you would like me to look at when it comes through, like, a payout?\n\nChannel 1: What's this is there, like, a standard amount that people do?\n\nChannel 0: Not really because, again, it comes down to your situation. So, again, most people go, cool. I want my mortgage paid off. So there's, let's say, 400,000 allocated to that. I want a 100,200 allocated for medical expenses if you need to make modifications to the home or something like that.\n\nOther people\n\nChannel 1: I see.\n\nChannel 0: go, well, I don't need that. If something were to happen today, I want my income covered till\n\nChannel 1: Mhmm.\n\nChannel 0: I turn 60, until I'm 50. So it's very dependent on\n\nChannel 1: Okay.\n\nChannel 0: what you want.\n\nChannel 1: Yeah. It's kinda like bridging the gap until you can access your super to, like, draw upon that as well.\n\nChannel 0: Yes. But then if you were to full TPD, you can actually get your super paid out as well. But, obviously, that would then only last for so long.\n\nChannel 1: Yep. Yeah. And, also, if you're drawing out early, it it\n\nChannel 0: Mhmm.\n\nChannel 1: disrupts the plan of growth and things like that.\n\nChannel 0: Correct. Correct.\n\nChannel 1: Oh,\n\nChannel 0: Otherwise, have\n\nChannel 1: that's\n\nChannel 0: a\n\nChannel 1: a\n\nChannel 0: think\n\nChannel 1: hassle.\n\nChannel 0: about it. Because then you have\n\nChannel 1: Yeah.\n\nChannel 0: a\n\nChannel 1: I'd\n\nChannel 0: think about\n\nChannel 1: have to\n\nChannel 0: life\n\nChannel 1: do some\n\nChannel 0: and\n\nChannel 1: research.\n\nChannel 0: take a day. Yeah. And then I can even give you a call maybe, like, next week.\n\nChannel 1: Mhmm.\n\nChannel 0: And then that gives you a bit of time to think about the insurances. Speak to Alan as well on what you want to do.\n\nChannel 1: Mhmm.\n\nChannel 0: And then if it is that you want to explore the the TPD, we can go through a bit of\n\nChannel 1: Mhmm.\n\nChannel 0: a pre assessment questionnaire as well when we have a bit more time. Because then what I'll do from there is I will then send it off to the insurance, and\n\nChannel 1: Yep.\n\nChannel 0: they will then give me a breakdown of how much it will cost and stuff like that for you. Now you mentioned otherwise income replacement. That's not really something you're interested in right now. So income protection.\n\nChannel 1: No.\n\nChannel 0: Was that correct? Nope.\n\nChannel 1: Yep.\n\nChannel 0: No problem. And the last insurance that is available is trauma cover. Have you ever heard of trauma insurance?\n\nChannel 1: No. What was that again? What's\n\nChannel 0: Trauma insurance?\n\nChannel 1: oh, trauma.\n\nChannel 0: Yeah.\n\nChannel 1: No. I have not,\n\nChannel 0: No?\n\nChannel 1: actually.\n\nChannel 0: No. Sorry. Basically, trauma, trauma insurance will be paid out if you have a specific medical condition. So often,\n\nChannel 1: Right.\n\nChannel 0: it\n\nChannel 1: Okay.\n\nChannel 0: will be like cancer, stroke, heart attack, different neurological conditions.\n\nChannel 1: Yep.\n\nChannel 0: Now with trauma, it is not something you have to prove that you can't go back to work. So for income protection, total permanent disability, you have to prove that you cannot go back to work. So for example, let's say let's say you have a heart attack, you go to hospital, but then you recover and can go back to work. You're not gonna get paid out TPD because you are not totally and permanently disabled. But you\n\nChannel 1: Mhmm.\n\nChannel 0: might want to take some time off. You might want to see a heart specialist. You might need your partner to take some time off and help you. That's kind of where this insurance policy can come in handy to give you a bit\n\nChannel 1: Mhmm.\n\nChannel 0: of a buffer of a bit of a payout. Now trauma is also tax free. With TPD, if you're under 60, it will be taxed when it comes out. So it is a bit of a\n\nChannel 1: Mhmm.\n\nChannel 0: different function to it. Often is if you don't have a lot of cash and stuff like that or you don't wanna touch any of that, trauma\n\nChannel 1: Mhmm.\n\nChannel 0: is, like, another kind of, I guess, policy to help in that situation. The thing to know is a trauma because it's paid\n\nChannel 1: Mhmm.\n\nChannel 0: tax free directly to your back pocket, you can't have it inside super. For the other three, you can have paid from superannuation to not impact cash flow. Trauma, you don't. You can't.\n\nChannel 1: Mhmm. I don't think we need it.\n\nChannel 0: Nope.\n\nChannel 1: I think\n\nChannel 0: That's okay.\n\nChannel 1: yep.\n\nChannel 0: Especially\n\nChannel 1: Mhmm.\n\nChannel 0: from your and often, again, it's where people, let's say, have an income protection policy as well, which which you can\n\nChannel 1: Mhmm.\n\nChannel 0: only cover 70% of your income. That's not enough to meet their living expenses or anything like that. Sometimes you can top up potentially by trauma depending on their eligibility for it or if you just need a a lump sum, let's say, a 100,000, 50,000, 200,000 to assist if something were to happen if you do not have any assets.\n\nChannel 1: Mhmm.\n\nChannel 0: So if you you guys are in a pretty good financial situation asset wise, so then it would just be if you wanted a buffer. But it would just be then potentially total permanent disability for you.\n\nChannel 1: Mhmm.\n\nChannel 0: Now when do you want me to give you a call to check-in once you've spoken to Alan in regards to the insurances?\n\nChannel 1: I can do next week,\n\nChannel 0: Yep. Let me have a look here.\n\nChannel 1: ten\n\nChannel 0: About ten.\n\nChannel 1: thirty. 10:30?\n\nChannel 0: Let me see. I could do is Monday usually best for you?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Okay. Perfect. Because my Monday mornings are usually quite busy, but let me have a look. I could do eleven.\n\nWould that work? Next\n\nChannel 1: Okay.\n\nChannel 0: Monday, the eighth?\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Okay. Beautiful. Well, that is Monday, the eighth. I will\n\nChannel 1: Mhmm.\n\nChannel 0: give you a call just to check-in about total permanent disability. And if you wanted to explore that way, we'll do a bit of a pre assessment, and then we can schedule in your statement of advice presentation at that time as well. Now I have also sent an email to Alan because I am looking at doing advice for him jointly as well.\n\nChannel 1: Yep.\n\nChannel 0: Part of it\n\nChannel 1: Mhmm.\n\nChannel 0: was looking at the spousal contribution. So if that's not something, I might give him a call as well or try to get in touch with him before Monday and check-in. Because if I can get all the information from him as well, before Monday, then I can book you both in together and get this kind of underway for you.\n\nChannel 1: Mhmm. Yep. Perfect.\n\nChannel 0: Yep. Alright. Perfect. Would you like a reminder text at, like, an hour or two before the appointment in case something comes up for you?\n\nChannel 1: No. I've got it in my calendar.\n\nChannel 0: No?\n\nChannel 1: Eleven\n\nChannel 0: Okay.\n\nChannel 1: on Monday. Yep.\n\nChannel 0: Yep. So Monday, June 8\n\nChannel 1: Mhmm.\n\nChannel 0: at 11AM, I'll give you a call\n\nChannel 1: Mhmm.\n\nChannel 0: and just to kinda touch base with those insurances.\n\nChannel 1: Mhmm.\n\nChannel 0: And then that is basically, yeah, most of it. Then it's just to kinda reconfirm a couple of other information, and we are good to go.\n\nChannel 1: Yeah. So if you need to turn that call on Monday into,\n\nChannel 0: Yep.\n\nChannel 1: like, a shared call with me and Alan, like, as in once we're\n\nChannel 0: Yes.\n\nChannel 1: done with our insurance, he can pop on\n\nChannel 0: Mhmm.\n\nChannel 1: and we can do a thing. Because that's a public\n\nChannel 0: Yep.\n\nChannel 1: holiday for him, so he won't, like,\n\nChannel 0: Oh,\n\nChannel 1: he won't have any work meetings and stuff.\n\nChannel 0: perfect. So\n\nChannel 1: And\n\nChannel 0: he'll\n\nChannel 1: so\n\nChannel 0: be home.\n\nChannel 1: he'll be home and he'll be free. I mean, like,\n\nChannel 0: Okay.\n\nChannel 1: I'm\n\nChannel 0: That's good.\n\nChannel 1: yeah. Yeah.\n\nChannel 0: Because\n\nChannel 1: Mhmm.\n\nChannel 0: otherwise, yeah, I'll make it a little bit longer, and then I might send is he usually best on emails or phone calls?\n\nChannel 1: Probably email him,\n\nChannel 0: Email? Yep.\n\nChannel 1: and then I'll bug him to, like, check his email.\n\nChannel 0: Alright.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Because otherwise, I'll say that I spoke to you today, and I\n\nChannel 1: Yep.\n\nChannel 0: have booked him in tentatively to kind of call at the end of that conversation, and\n\nChannel 1: Yeah.\n\nChannel 0: we\n\nChannel 1: Yeah.\n\nChannel 0: can kind of finalize everything. And if that doesn't work for him, we can we can do another\n\nChannel 1: Yeah.\n\nChannel 0: time.\n\nChannel 1: I'll I'll add it from my calendar into his calendar\n\nChannel 0: Yeah.\n\nChannel 1: so that\n\nChannel 0: Beautiful.\n\nChannel 1: so that it looks like\n\nChannel 0: Tag team.\n\nChannel 1: he's going to So he it looks like he's also got the call as well. But I'll we can start\n\nChannel 0: Yes.\n\nChannel 1: up with our staff, and then\n\nChannel 0: Yep.\n\nChannel 1: I'll get him on when you're ready for to have a growth\n\nChannel 0: Yes. Alright.\n\nChannel 1: thing. Yep.\n\nChannel 0: Beautiful. That sounds great. Well, thank you so much for your time today. I know it was a long one. So I appreciate\n\nChannel 1: That's alright.\n\nChannel 0: your your patience, and I look forward to\n\nChannel 1: Mhmm.\n\nChannel 0: speaking with you again next Monday.\n\nChannel 1: Thank you so much for your help, Ronica.\n\nChannel 0: Mhmm.\n\nChannel 1: I appreciate it.\n\nChannel 0: No problem. We'll speak soon, and you enjoy the rest of your day.\n\nChannel 1: Thanks. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.0053206756711006165}],"sentiment":"neutral","sentiment_score":0.0053206756711006165,"channel":1,"num_words":1,"start":1.1999999,"end":1.6999999},{"sentences":[{"text":"Hello.","start":2.24,"end":2.74,"sentiment":"neutral","sentiment_score":0.016587885096669197},{"text":"I'm just cut off there.","start":3.1999998,"end":4.74,"sentiment":"neutral","sentiment_score":-0.16934818476438523},{"text":"That's all good.","start":5.04,"end":6.18,"sentiment":"neutral","sentiment_score":0.31159531076749164},{"text":"Sorry.","start":7.2799997,"end":7.68,"sentiment":"neutral","sentiment_score":-0.14195138216018677},{"text":"You did cut 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you.","start":12.16,"end":13.815,"sentiment":"neutral","sentiment_score":-0.27134689316153526}],"sentiment":"neutral","sentiment_score":-0.27134689316153526,"channel":0,"num_words":6,"start":12.16,"end":13.815},{"sentences":[{"text":"Oh, okay.","start":14.165,"end":14.885,"sentiment":"neutral","sentiment_score":-0.047357418574392796},{"text":"Yep.","start":14.885,"end":15.365,"sentiment":"neutral","sentiment_score":0.028050433844327927},{"text":"So we're an ACN.","start":15.365,"end":16.985,"sentiment":"neutral","sentiment_score":0.005425236187875271},{"text":"At the time we set it up, I owed 50%.","start":17.365,"end":19.465,"sentiment":"neutral","sentiment_score":-0.011434843949973583},{"text":"My business partner owns 50%, and we have 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don't have any debts paid out, you don't have any financial dependents, and Alan is okay with his income if something were to happen to you unless you want an extra buffer left in a life insurance policy for your mom or something else?","start":1244.8099,"end":1262.625,"sentiment":"neutral","sentiment_score":0.03880740023188053},{"text":"Or","start":1262.625,"end":1262.865,"sentiment":"neutral","sentiment_score":-0.003202006220817566}],"sentiment":"neutral","sentiment_score":0.01678617445840722,"channel":0,"num_words":105,"start":1232.235,"end":1262.865},{"sentences":[{"text":"Mhmm.","start":1262.665,"end":1263.165,"sentiment":"neutral","sentiment_score":-0.030910935252904892}],"sentiment":"neutral","sentiment_score":-0.030910935252904892,"channel":1,"num_words":1,"start":1262.665,"end":1263.165},{"sentences":[{"text":"what do you kinda think about life?","start":1262.865,"end":1264.945,"sentiment":"neutral","sentiment_score":-0.10955402201839856},{"text":"Are you quite happy to not have life insurance?","start":1264.945,"end":1267.2849,"sentiment":"neutral","sentiment_score":-0.06877686828374863},{"text":"Or what do","start":1267.4249,"end":1268.865,"sentiment":"neutral","sentiment_score":-0.08229729284842809}],"sentiment":"neutral","sentiment_score":-0.08593483406462167,"channel":0,"num_words":19,"start":1262.865,"end":1268.865},{"sentences":[{"text":"So","start":1268.8,"end":1269.04,"sentiment":"neutral","sentiment_score":-0.019168518483638763}],"sentiment":"neutral","sentiment_score":-0.019168518483638763,"channel":1,"num_words":1,"start":1268.8,"end":1269.04},{"sentences":[{"text":"you think?","start":1268.865,"end":1269.5249,"sentiment":"neutral","sentiment_score":-0.03191971592605114}],"sentiment":"neutral","sentiment_score":-0.03191971592605114,"channel":0,"num_words":2,"start":1268.865,"end":1269.5249},{"sentences":[{"text":"right now, my","start":1269.04,"end":1270.08,"sentiment":"neutral","sentiment_score":-0.13348852594693503}],"sentiment":"neutral","sentiment_score":-0.13348852594693503,"channel":1,"num_words":3,"start":1269.04,"end":1270.08},{"sentences":[{"text":"Mhmm.","start":1270.065,"end":1270.565,"sentiment":"neutral","sentiment_score":-0.16173510253429413}],"sentiment":"neutral","sentiment_score":-0.16173510253429413,"channel":0,"num_words":1,"start":1270.065,"end":1270.565},{"sentences":[{"text":"attitude is I don't think I need it, but I","start":1270.08,"end":1272.24,"sentiment":"neutral","sentiment_score":-0.3127957426011562}],"sentiment":"neutral","sentiment_score":-0.3127957426011562,"channel":1,"num_words":10,"start":1270.08,"end":1272.24},{"sentences":[{"text":"Yep.","start":1272.225,"end":1272.72,"sentiment":"neutral","sentiment_score":0.010835913941264153}],"sentiment":"neutral","sentiment_score":0.010835913941264153,"channel":0,"num_words":1,"start":1272.225,"end":1272.72},{"sentences":[{"text":"will, have a conversation with 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like, potentially, the life insurance can go to my mom,","start":1276.4,"end":1279.9401,"sentiment":"neutral","sentiment_score":0.13680304819718003}],"sentiment":"neutral","sentiment_score":0.13680304819718003,"channel":1,"num_words":16,"start":1276.4,"end":1279.9401},{"sentences":[{"text":"Mhmm.","start":1280.24,"end":1280.32,"sentiment":"neutral","sentiment_score":0.07020731270313263},{"text":"Mhmm.","start":1280.32,"end":1280.82,"sentiment":"neutral","sentiment_score":0.06591609120368958}],"sentiment":"neutral","sentiment_score":0.0680617019534111,"channel":0,"num_words":2,"start":1280.24,"end":1280.82},{"sentences":[{"text":"which, like, might be 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in","start":1291.4349,"end":1295.22,"sentiment":"neutral","sentiment_score":0.22676053270697594}],"sentiment":"neutral","sentiment_score":0.22676053270697594,"channel":1,"num_words":14,"start":1291.4349,"end":1295.22},{"sentences":[{"text":"Yep.","start":1295.215,"end":1295.715,"sentiment":"neutral","sentiment_score":0.14338427782058716}],"sentiment":"neutral","sentiment_score":0.14338427782058716,"channel":0,"num_words":1,"start":1295.215,"end":1295.715},{"sentences":[{"text":"terms of, like, the cash that we hold and that going to her","start":1295.22,"end":1298.12,"sentiment":"neutral","sentiment_score":0.15709724391882235}],"sentiment":"neutral","sentiment_score":0.15709724391882235,"channel":1,"num_words":13,"start":1295.22,"end":1298.12},{"sentences":[{"text":"Yep.","start":1298.59,"end":1299.09,"sentiment":"neutral","sentiment_score":0.07696656882762909}],"sentiment":"neutral","sentiment_score":0.07696656882762909,"channel":0,"num_words":1,"start":1298.59,"end":1299.09},{"sentences":[{"text":"kind of thing without having to involve, like, the insurance.","start":1298.9,"end":1303.16,"sentiment":"neutral","sentiment_score":0.02147546075284481}],"sentiment":"neutral","sentiment_score":0.02147546075284481,"channel":1,"num_words":10,"start":1298.9,"end":1303.16},{"sentences":[{"text":"Yes.","start":1303.71,"end":1304.19,"sentiment":"neutral","sentiment_score":0.10173222422599792},{"text":"Okay.","start":1304.19,"end":1304.43,"sentiment":"neutral","sentiment_score":0.12528377771377563},{"text":"I'll just put a little TBC on it, and then you can chat to Alan.","start":1304.43,"end":1308.61,"sentiment":"neutral","sentiment_score":0.0985121637582779},{"text":"Now","start":1309.1749,"end":1309.6749,"sentiment":"neutral","sentiment_score":0.07837074995040894}],"sentiment":"neutral","sentiment_score":0.0990594004591306,"channel":0,"num_words":18,"start":1303.71,"end":1309.6749},{"sentences":[{"text":"Yep.","start":1309.225,"end":1309.725,"sentiment":"neutral","sentiment_score":0.05283357948064804}],"sentiment":"neutral","sentiment_score":0.05283357948064804,"channel":1,"num_words":1,"start":1309.225,"end":1309.725},{"sentences":[{"text":"do you have time to talk about the other insurance policies, or how are you for time?","start":1309.815,"end":1313.515,"sentiment":"neutral","sentiment_score":0.05307016346384497}],"sentiment":"neutral","sentiment_score":0.05307016346384497,"channel":0,"num_words":17,"start":1309.815,"end":1313.515},{"sentences":[{"text":"Yeah.","start":1313.945,"end":1314.1849,"sentiment":"neutral","sentiment_score":0.02677511051297188},{"text":"Put a few minutes.","start":1314.1849,"end":1315.1449,"sentiment":"neutral","sentiment_score":0.016972064971923828},{"text":"K.","start":1315.1449,"end":1315.6449,"sentiment":"neutral","sentiment_score":0.026094630360603333}],"sentiment":"neutral","sentiment_score":0.020126333460211754,"channel":1,"num_words":6,"start":1313.945,"end":1315.6449},{"sentences":[{"text":"Yep.","start":1315.415,"end":1315.735,"sentiment":"neutral","sentiment_score":0.0390770360827446},{"text":"Okay.","start":1315.735,"end":1316.235,"sentiment":"neutral","sentiment_score":0.03725295141339302},{"text":"The other one is then your TPD.","start":1316.615,"end":1318.155,"sentiment":"neutral","sentiment_score":-0.08061402450714793},{"text":"That is totally and permanently disabled, and that is","start":1318.215,"end":1320.93,"sentiment":"neutral","sentiment_score":-0.2112753556834327}],"sentiment":"neutral","sentiment_score":-0.13274702140026623,"channel":0,"num_words":18,"start":1315.415,"end":1320.93},{"sentences":[{"text":"Mhmm.","start":1320.9049,"end":1321.32,"sentiment":"neutral","sentiment_score":-0.2023230642080307}],"sentiment":"neutral","sentiment_score":-0.2023230642080307,"channel":1,"num_words":1,"start":1320.9049,"end":1321.32},{"sentences":[{"text":"if you were to something would happen to you, and you can never go back to work again.","start":1321.17,"end":1325.5901,"sentiment":"neutral","sentiment_score":-0.2794479942984051},{"text":"There is a life there is a insurance policy you can take out in that 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there is worthwhile","start":1339.155,"end":1341.095,"sentiment":"neutral","sentiment_score":0.13015632579723993}],"sentiment":"neutral","sentiment_score":0.13015632579723993,"channel":1,"num_words":6,"start":1339.155,"end":1341.095},{"sentences":[{"text":"Mhmm.","start":1341.125,"end":1341.625,"sentiment":"neutral","sentiment_score":0.2508435845375061}],"sentiment":"neutral","sentiment_score":0.2508435845375061,"channel":0,"num_words":1,"start":1341.125,"end":1341.625},{"sentences":[{"text":"merit into looking to that because, like, if I was let's say, if I was to be disabled","start":1341.155,"end":1348.535,"sentiment":"neutral","sentiment_score":0.06925676287048393}],"sentiment":"neutral","sentiment_score":0.06925676287048393,"channel":1,"num_words":18,"start":1341.155,"end":1348.535},{"sentences":[{"text":"Yep.","start":1348.9801,"end":1349.4801,"sentiment":"neutral","sentiment_score":0.03263997659087181}],"sentiment":"neutral","sentiment_score":0.03263997659087181,"channel":0,"num_words":1,"start":1348.9801,"end":1349.4801},{"sentences":[{"text":"and then at some point during that, Al and I were to divorce, I 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They are a health-based business and pay salaries and make their services accessible for the community. The customer will receive a contribution of $800 a month and the contribution will be deducted from their bank account. The customer discusses their desire to invest in tax-efficient investment options and their financial planning process. They also discuss their retirement plans and the importance of leaving extra money for family members. The agent provides advice on insurances and other tax-efficient investment options, including investment bonds and other tax-efficient methods. The agent schedules a call for the customer to check-in and discusses the insurance policy."},"intents":{"segments":[{"text":"And so this year, we were able to pay ourselves for those activities. Okay. 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So that would still be another 215,000 paid out Mhmm.","start_word":2999,"end_word":3032,"intents":[{"intent":"Confirm superannuation","confidence_score":0.016794244}]},{"text":"that goes to your spouse, it is completely tax free. So he would then receive everything tax free. Okay.","start_word":3044,"end_word":3062,"intents":[{"intent":"Restrict payment","confidence_score":0.00016957089}]},{"text":"you That's wanted interesting to. to know. Yep.","start_word":3220,"end_word":3227,"intents":[{"intent":"Express interest","confidence_score":0.011377201}]},{"text":"life insurance might not be that important then. Do you feel like you want a life insurance policy? Do you feel like you want to leave extra behind for Alan if you were to pass away, or do you think he would be okay financially? Or how do you feel I think about he'll life insurance? be okay financially.","start_word":3235,"end_word":3293,"intents":[{"intent":"Consider life insurance policy","confidence_score":0.010928091}]},{"text":"The premium depends on the insurer, so it depends on your your health, your occupation, Mhmm. lifestyle, and stuff like that. So it is quite tailored to you. So if it was something that you were like, oh, you know, I'd be interested in looking at x Mhmm. amount of life insurance.","start_word":3424,"end_word":3475,"intents":[{"intent":"Discuss personal insurance","confidence_score":0.00006517645}]},{"text":"because you you did raise up, like, potentially, the life insurance can go to my mom, Mhmm.","start_word":3654,"end_word":3670,"intents":[{"intent":"Discuss insurance policies","confidence_score":0.53442395}]},{"text":"I'll just put a little TBC on it, and then you can chat to Alan. Now Yep.","start_word":3737,"end_word":3753,"intents":[{"intent":"Discuss tpd","confidence_score":0.042624094}]},{"text":"The other one is then your TPD. That is totally and permanently disabled, and that is Mhmm. if you were to something would happen to you, and you can never go back to work again. There is a life there is a insurance policy you can take out in that situation. Mhmm.","start_word":3779,"end_word":3830,"intents":[{"intent":"Discuss disabling condition","confidence_score":0.00070509803}]},{"text":"Now do you have an amount you would like me to look at when it comes through, like, a payout?","start_word":3938,"end_word":3957,"intents":[{"intent":"Discuss debt amount","confidence_score":0.0033665}]},{"text":"But then if you were to full TPD, you can actually get your super paid out as well. But, obviously, that would then only last for so long. Yep. Yeah.","start_word":4079,"end_word":4108,"intents":[{"intent":"Collect tpd information","confidence_score":0.000078848716}]},{"text":"Now when do you want me to give you a call to check-in once you've spoken to Alan in regards to the insurances?","start_word":4749,"end_word":4771,"intents":[{"intent":"Schedule and schedule check-in call","confidence_score":0.0000022334425}]},{"text":"Part of it Mhmm. was looking at the spousal contribution. So if that's not something, I might give him a call as well or try to get in touch with him before Monday and check-in. Because if I can get all the information from him as well, before Monday, then I can book you both in together and get this kind of underway for you.","start_word":4912,"end_word":4976,"intents":[{"intent":"Discuss spousal contribution","confidence_score":0.13403197}]},{"text":"Part of it Mhmm. was looking at the spousal contribution. So if that's not something, I might give him a call as well or try to get in touch with him before Monday and check-in. Because if I can get all the information from him as well, before Monday, then I can book you both in together and get this kind of underway for you. Mhmm.","start_word":4912,"end_word":4977,"intents":[{"intent":"Book appointment","confidence_score":0.04561102}]},{"text":"So Monday, June 8 Mhmm. at 11AM, I'll give you a call Mhmm. and just to kinda touch base with those insurances. Mhmm.","start_word":5019,"end_word":5041,"intents":[{"intent":"Schedule call","confidence_score":0.13649178}]}]},"sentiments":{"segments":[{"text":"Hello? Hello. I'm just cut off there. That's all good. Sorry. You did cut off. I know you said it was set up as a company and as something with the accounts, Yes. and then I lost you. Oh, okay. Yep. So we're an ACN. At the time we set it up, I owed 50%. My business partner owns 50%, and we have shares. Essentially, they set up shares, Mhmm. and so we Mhmm. just own half half, essentially. Yes. It is it is a profitable business, but it's not possible in the sense of, like, there is at the end of the financial year, there is leftover money because we are at the moment in kinda like a growing phase Mhmm. of the business, but we have essentially employees, like Mhmm. I'm trying to remember, like, three or four employees. Then we have, Yep. like, a revenue of I've forgotten. Adjusted the, like, profit No. and loss That's okay. statement. But but, essentially, we pay salaries and do all those things, But there is no profit as such after expenses are paid out at the end of the Mhmm. financial year to pay into, like, dividends for us. Yep. Okay. Mhmm. So from your point of view, so you are an unpaid employee from this company? Yeah. So I Yeah. I have like, I wear the hat of director, but then I Mhmm. also wear the hat of business manager. So, Okay. obviously, director doesn't actually need to do like, needs to be it's like more of a liability responsibility hat, Mhmm. Yep. but it doesn't necessarily mean you have to do stuff for the business day to day. So that's where Yep. my business manager hat comes on. And Mhmm. so for business manager related activities, we've finally reached a point where, okay, we can on the books, I work casually for the company. Okay. Yep. And so this year, we were able to pay ourselves for those activities. Okay. Yeah. The it's complicated because we are a health base, But also when we set up set up the company, we wanted to pay our employees fairly, and we also wanted to make our services accessible for the community. So we work with NDIS Yep. and, like, Oh, yeah. chronic Yep. ill patients. So for us, it wasn't about, like, we would like to Mhmm. make Yeah. it a lot of money, but we Yeah. also don't wanna, like, Not take the advantage perfect. of people. Yeah. No. Yep.","start_word":0,"end_word":420,"sentiment":"neutral","sentiment_score":-0.008327030809043139},{"text":"And that's a very nice thing. Okay. Beautiful.","start_word":421,"end_word":428,"sentiment":"positive","sentiment_score":0.4490703344345093},{"text":"So from that, I have here that you pay yourself at the moment about $800 a month. Is Yes. that before or after tax? Good question. And you know such a little amount. I was just like, oh, it's like a it was kind of like a token amount. I didn't really look into whether it was, like, before or after tax. I would have to double check my accounting software. I think Yep. it is I think that's probably after tax. After tax? Yeah. Okay. Perfect. So that's where you would get in your bank account, essentially? Yeah. Yep. Yeah. Okay. And, obviously, the way that you are then employed by the business, do Mhmm. you you pay yourself the standard 12% contribution Yeah. So over we do the year? Mhmm. so we do the like, every time a pager comes out, it comes with Yep. the the, like, standard super contributions. Yep. Perfect. Mhmm. And is that going into your Aware That's Super that at same the moment? account. Yes. Yep. Okay. Perfect. Because I can see here from the research that Jordan did that last contribution was in 2024. Yes. So that was so the big contribution so the big contribution was lost because of my corporate job in 2024. We've only started paying ourselves this year. Mhmm. So Right. there is, like, I a see. very small, like, $120 contribution. But it's it's, like, it's only been really recent. So Okay. But on yeah. a yearly, like, from from now on, the way it's structured, you will pay yourself 12% in total over Yeah. the year moving forward. Yeah. Yeah.","start_word":429,"end_word":702,"sentiment":"neutral","sentiment_score":0.01387587951387476},{"text":"Moving Great. forward. Perfect.","start_word":703,"end_word":706,"sentiment":"positive","sentiment_score":0.551842451095581},{"text":"No. That's good. Just because when I do, obviously, the research on your superannuation, I will do a bit of a projections and stuff as well of where you are currently tracking and if I do make a recommendation for an alternative option, where that Yeah. will put you. So I just wanted to make sure I had all those information so that Yeah.","start_word":707,"end_word":770,"sentiment":"neutral","sentiment_score":0.1835493296384811},{"text":"is good.","start_word":771,"end_word":772,"sentiment":"positive","sentiment_score":0.4007148742675781},{"text":"So moving forward, it will be 12%. And will that be 12% of the 800 per month you earn after tax? No. So that is that the a hundredth pay that got in is so what if 800 shipped my account is after, like, the super and stuff? 800 is, like Okay. what are the numbers of that? Yeah. So Sorry. the super is, like, in addition to the 800. Okay. So Yeah. the 800 just and I can do the math. That's okay. So 800 Yeah. per month after tax and after 12% contribution has been deducted already. Is that correct? Yes. Yeah. Perfect. Now Okay. Mhmm. I don't actually need that 800. So if there is, like, some benefit to just salary sacrifice since I entered into Super Bowl, like, I'm Mhmm. happy to do that because I'm happy to put all like, grow the super as much as I can because, yeah, at the moment, Alan's income is, like, providing for everything that we need. Yep. Okay.","start_word":773,"end_word":942,"sentiment":"neutral","sentiment_score":0.0836082473397255},{"text":"Perfect. So happy to and how much out of the 800 that you get, Yep.","start_word":943,"end_word":957,"sentiment":"positive","sentiment_score":0.35428524017333984},{"text":"how much would you want to keep? How much would you be comfortable putting into super if it was going to be a good option without obviously impacting any other goals you might have?","start_word":958,"end_word":991,"sentiment":"neutral","sentiment_score":0.15433554351329803},{"text":"I'm happy to put all of it because Mhmm.","start_word":992,"end_word":1000,"sentiment":"positive","sentiment_score":0.5624954700469971},{"text":"we had a I know you originally, when I quit my job, you had a conversation with Alan about contributing to my superb, but Yes. then the discussion was that it would be after his tax, so then he would lose out on benefits. I don't remember exactly what those benefits were. So then Mhmm. we Yep. decided, okay.","start_word":1001,"end_word":1059,"sentiment":"neutral","sentiment_score":-0.08816803991794586},{"text":"That's not, like as a team, that's Yes. not good for us as a team.","start_word":1060,"end_word":1074,"sentiment":"negative","sentiment_score":-0.37860652804374695},{"text":"So Mhmm. we made the decision a few months ago to not do that, Okay. but we also decided that, at the moment, we have cash in a shared account. Mhmm. And, Mhmm. also, we after seeing to our accountant, he was like, well, if she's not growing income, it would actually and if you guys still gonna stay together, which we are, then it's Mhmm. better to to for me to have the account and move our shared money in under my name so Mhmm. that it can contribute. So in that way, I'm like, okay. I'm here with that because then if anything happens, Yep. this massive amount of money is under my knee. Yes. We're not attracting tax on that. Yes. Because I'm over the tax of $50.50 on the interest on that amount. And then also we made the decision that going forward, because I manage our shared investments anyway, that I would just create another SelfWealth account under my name and use our money to invest for us, but then only I attract the any, like, gains Yeah. of Couple interest of games. dividends Tax. of Yep. Okay. yeah. Yeah. Okay. So with that, I'm okay with letting go of super contributions because Yep. I mean, even if we divorce, it'll be split fifty fifty. Like, I wanna have very Yeah. candid conversations That's about our good. relationship. There is no plan to divorce. Yeah.","start_word":1075,"end_word":1314,"sentiment":"neutral","sentiment_score":0.029236553236842155},{"text":"We're very, very happy, but That's people good.","start_word":1315,"end_word":1322,"sentiment":"positive","sentiment_score":0.3355529308319092},{"text":"change. Yep. So Yep. even depending on what happened, we are like, okay. It's $50.50 anyway. Even Okay. if I'm not contributing financially Yep. now yeah. Yep. Yep.","start_word":1323,"end_word":1350,"sentiment":"neutral","sentiment_score":0.0005055554211139679},{"text":"Okay. Perfect.","start_word":1351,"end_word":1352,"sentiment":"positive","sentiment_score":0.505286693572998},{"text":"Mhmm. And we've so, typically, when it comes through the contribution making extra Mhmm. contribution as well, the way that I would calculate it is like, okay. Well, from which purpose? Is it to save on tax, or is it to Yes. get you to your super goal? But, obviously, Mhmm. then the super goal is, okay. I, for example, wanna retire at 60 with a million dollars. Will I be on tax for that or not? And if I'm not on tax, then putting extra contributions will assist with that. Yep. Because, obviously, Mhmm. things are a bit kind of a little bit gray from, I guess, what you need from superannuation. Now, obviously, I have the combined income of a thousand a 100,000 per year, but that's not just solely from super. So the purpose for you to if putting more money into super would be mainly from the tax saving and also then, obviously, build your superannuation, not necessarily achieving a certain figure or goal when you retire. Is that correct? Mhmm. Because, essentially, Yep. we want to I still wanna we still wanna put a a portion of our money, and Yep. this is, like, money after tax, Yes. not part of Super into our investment so that we have the option Yep. at 50 to retire Yep. if we wanted to. Yes. But that is obviously we would be able to access Super at that point. So Yes. Okay. but but we wanna, like, maximize our Super as much as we can. Okay. Okay.","start_word":1353,"end_word":1611,"sentiment":"neutral","sentiment_score":0.09610164910554886},{"text":"Perfect.","start_word":1612,"end_word":1612,"sentiment":"positive","sentiment_score":0.3981083631515503},{"text":"Now I'll have a bit of a look. And then, also, even, you know, when we are looking at potentially branching out after superannuation as well, there's a lot of other tax Mhmm.","start_word":1613,"end_word":1645,"sentiment":"neutral","sentiment_score":0.07474574446678162},{"text":"effective ways you can look at to achieve that, like investment bonds and other things that are very tax effective, especially if the goal is that you wanna retire at, let's say, 50, but you still always need to draw an income, then that's a really tax effective way for for some Mhmm.","start_word":1646,"end_word":1698,"sentiment":"positive","sentiment_score":0.4562271237373352},{"text":"people as well. So I'll have a bit of a look at it and then see how everything pans out.","start_word":1699,"end_word":1718,"sentiment":"neutral","sentiment_score":0.26537632942199707},{"text":"It's Yeah. good to know And with this as well.","start_word":1719,"end_word":1728,"sentiment":"positive","sentiment_score":0.43163591623306274},{"text":"Yeah. Sorry. yeah. You go. Oh, no. I was just gonna say, at the moment, I'm only really comfortable at the moment because I've only educated myself up to the point of, like, ETFs. But I know that there is a whole other world of other things to invest in, like, potentially bonds and things like Yes. that, which I Yep. know that there is a gap in my knowledge that I want to so if you, Like, explore. Mhmm. like, have any suggestions of resources or anything that I can, like just so that I'm on the same page as you as we're discussing Yep. things and I feel Yes.","start_word":1729,"end_word":1839,"sentiment":"neutral","sentiment_score":0.04821331426501274},{"text":"comfortable with decisions itself. I'm happy Yep. to do the homework for that as Okay.","start_word":1840,"end_word":1854,"sentiment":"positive","sentiment_score":0.4895239770412445},{"text":"well. Yes. Yep.","start_word":1855,"end_word":1857,"sentiment":"neutral","sentiment_score":0.2510097026824951},{"text":"And every time I do make like, if every time we do make a recommendation, because it's personalized advice, I would provide you with all the research and stuff anyway to obviously Perfect, back up Paul.","start_word":1858,"end_word":1893,"sentiment":"positive","sentiment_score":0.36718037724494934},{"text":"everything so that you can also obviously see where it all comes from, and you can also Mhmm. Mhmm. check everything yourself if you'd like to do that. So that Mhmm.","start_word":1894,"end_word":1924,"sentiment":"neutral","sentiment_score":0.2241721153259277},{"text":"is no problem. So we'll definitely Mhmm. do that.","start_word":1925,"end_word":1933,"sentiment":"positive","sentiment_score":0.39421987533569336},{"text":"Alright. So that is essentially for everything for your super and that now insurances. What are your thoughts Mhmm. on insurances? Is that important to you? How do you feel about insurances? I think it's important, but it was more important when I was earning, like, a high salary corporate salary Mhmm. Mhmm. in case anything happened to me. But at this Yep. point, I don't know how it plays in with, like, the yeah. Like, the amount that I'm currently, like, projected to be earning over the next year, like, whether it's still actually worth it. Okay. Yeah.","start_word":1934,"end_word":2032,"sentiment":"neutral","sentiment_score":0.015518773685802113},{"text":"I'm happy to, like, receive advice on that because before it like, all the reasons why you get insurance made sense.","start_word":2033,"end_word":2053,"sentiment":"positive","sentiment_score":0.5804487466812134},{"text":"And then even now, like, let's say in the case of, like, you know, death, right, Yeah. Yeah. or disability, like, it would it would cover based on the income that you could potentially be earning. So what what am I actually drawing if something happened to me? And then even Yep. if I was to die, Yep. like, Alan's current wealth would not be affected. Yep. So then, like, how much of the insurance would like, are we Would are you we need? is it yeah. Because you're Yep. still paying, like, premiums and stuff on Correct. insurance. Correct. Yeah. And it's one of those things that's, like, for a lot of people, the the purpose of having insurance is to cover the shortfall for if something were to happen to you, if you don't wanna leave your family in a very tricky situation when they're forced to sell the house or you can't Yeah.","start_word":2054,"end_word":2209,"sentiment":"neutral","sentiment_score":0.0007105518016032875},{"text":"like, you're in a really, really bad position.","start_word":2210,"end_word":2217,"sentiment":"negative","sentiment_score":-0.44983920454978943},{"text":"So the purpose Yeah. of this is to to cover that gap if you are not self insured. It doesn't mean that Yes. everyone have to have insurances if you are in a good position. So you kind of Yes. wanna have a bit of a balance. So if we look at if we start, for example, life insurance, so that is obviously if something were to happen to you. Now I usually go with, okay. If something were to happen to you, what would you like to have happen? So not necessarily a standardized earning this many much income, money to cover this many years. It's more than what do you want to have happen. So, for example, most people go, well, I want all my debt paid out. I want my mortgage paid off.","start_word":2218,"end_word":2353,"sentiment":"neutral","sentiment_score":0.015132600934628178},{"text":"So if something were to happen to me, I don't wanna leave any debt for my partner so that they're forced to sell the house.","start_word":2354,"end_word":2378,"sentiment":"negative","sentiment_score":-0.3569330871105194},{"text":"Now for you, because you have everything sitting in the offset, is that correct for your mortgage Mhmm. Mhmm. and no other Yep. debt, that Yep.","start_word":2379,"end_word":2404,"sentiment":"neutral","sentiment_score":0.029365258291363716},{"text":"No won't other be debt.","start_word":2405,"end_word":2409,"sentiment":"negative","sentiment_score":-0.3940315246582031},{"text":"a a a factor. Yes. Then, Exactly. yeah, then the other thing is, okay. Well because you guys don't have financial dependents? No. No. Then that's sometimes where people would go like, okay. Well, I want to make sure that I give x amount to my children if something were to happen. I wanna leave this behind to help cover private schooling or whatever it might be, Yes. especially if you have small small children. So if So that's not I think necessarily yeah. yeah. I think at this point, we're not planning Yep. to have kids Yep. provided that our minds don't change in the next five years Yeah. or so. I think we're Yep. on the track of, like, it's really just us too. So Yep. that's also part of, like, the financial planning is that okay. And even if we did have kids, I would wanna make sure Yep. that our financial planning is and I think the number of a 100,000 would cover, like, any care that Al and I Mhmm. need if Yep. we were older and stuff anyway. So, Mhmm. like, we wouldn't have to at this point, whatever plans we make is not planning to provide, Yep. like, whatever for kids, and Yep. then it would just be managing ourselves. Yep. Okay. And if something also would've happened to you, Yep. from an estate point of view, would you like it to go to Alan? Yes. Now I probably also need to talk to Alan. So I have a situation where my so I have I think Jordan asked me about it. So I have a an amount of money that I keep for my mom. So mom Mhmm. Mhmm. Yes. is in a, like, financial coercive relationship. And so Oh, I'm sorry to hear that.","start_word":2410,"end_word":2712,"sentiment":"neutral","sentiment_score":-0.02168049919649516},{"text":"thank you. That's okay. I've done lots of therapy.","start_word":2713,"end_word":2721,"sentiment":"positive","sentiment_score":0.34543395042419434},{"text":"It is what it is, but, essentially, Yep.","start_word":2722,"end_word":2729,"sentiment":"neutral","sentiment_score":0.3192298114299774},{"text":"it's a safety net for her.","start_word":2730,"end_word":2735,"sentiment":"positive","sentiment_score":0.37167641520500183},{"text":"So Yep. I don't know we haven't we haven't done a will yet, but we probably Mhmm.","start_word":2736,"end_word":2752,"sentiment":"neutral","sentiment_score":0.0286666601896286},{"text":"and Alan is very supportive of my mom.","start_word":2753,"end_word":2760,"sentiment":"positive","sentiment_score":0.4021294414997101},{"text":"Yeah.","start_word":2761,"end_word":2761,"sentiment":"neutral","sentiment_score":0.3199554681777954},{"text":"So Oh, that's beautiful.","start_word":2762,"end_word":2765,"sentiment":"positive","sentiment_score":0.5736973285675049},{"text":"so we probably need to plan today that if I was to pass away, that Mhmm. there would be something to protect her but is not accessible to her partner. So she's Okay. still in the partnership, but Yep. and, essentially, at the moment, I keep, like, a pile of cash. So if she Mhmm. says to me one day, I wanna leave, like, we we can, It's like, that. set her Okay. up with stuff. Okay. Yep. So she's she's not a dependent, but it's kind Mhmm. of like, okay. Well, the very least that amount is for her, but Yes. it's but we don't wanna be in a place where the partner can, like, be like, oh, it's mine, Get access. like, kind of Yep. thing. Yep. So I'm but we at the moment, we haven't had to, like, do more complex things, like, trust or anything like that because, like, I'm kinda holding it. Yep. Yeah. So I don't know like, we haven't really thought about, like, what happens if I die. Yes. If Alan and I both die in, like, a Yeah. freak accident or something, how Yep. that would work out? What? Yeah. And will Yep.","start_word":2766,"end_word":2966,"sentiment":"neutral","sentiment_score":-0.06858669621730919},{"text":"is definitely the best way for that, because especially Yeah.","start_word":2967,"end_word":2976,"sentiment":"positive","sentiment_score":0.4749666154384613},{"text":"if you already have cash put aside for your mom, Mhmm. then Mhmm.","start_word":2977,"end_word":2989,"sentiment":"neutral","sentiment_score":0.18554097414016724},{"text":"having that stipulated in a will would be good.","start_word":2990,"end_word":2998,"sentiment":"positive","sentiment_score":0.3698508739471435},{"text":"Now for, obviously, superannuations are also, obviously, all your assets. But if something were to happen to you, you also have your super balance. So that would still be another 215,000 paid out Mhmm. if Yep. something were to happen to you. Now if Yep. that goes to your spouse, it is completely tax free.","start_word":2999,"end_word":3053,"sentiment":"neutral","sentiment_score":0.13181784749031067},{"text":"So he would then receive everything tax free.","start_word":3054,"end_word":3061,"sentiment":"positive","sentiment_score":0.34881195425987244},{"text":"Okay. There are sometimes, like, if it's not going through a financial dependent or a spouse or someone that you live with or have a, like, interdependency relationship with, which it doesn't sound like your mom, then she would if it would go from not cash, and let's say you instead wanna go, I wanna give a portion from my super to her, then she would be liable most likely to pay tax on her benefits. But if you have it in cash already, then, obviously, Mhmm. that wouldn't be the case. So Mhmm. especially if you already have the money put aside in a cash account or time deposit or something for Yep. your mom Mhmm. Yep. interview, then having your super to Alan will be tax free to him. And then, obviously, then you can decide how you want to then distribute the rest of the assets. So more goes to your mom Okay. if Yeah. you That's wanted interesting to. to know. Yep. Yeah. Yep. So alright.","start_word":3062,"end_word":3231,"sentiment":"neutral","sentiment_score":-0.027298875153064728},{"text":"Perfect.","start_word":3232,"end_word":3232,"sentiment":"positive","sentiment_score":0.38848432898521423},{"text":"So Mhmm. life insurance might not be that important then. Do you feel like you want a life insurance policy? Do you feel like you want to leave extra behind for Alan if you were to pass away, or do you think he would be okay financially? Or how do you feel I think about he'll life insurance? be okay financially. I would only be Mhmm. interested if the payout is more than the premiums. But, like, Like, only So if for the numbers worked out. But I don't like, Yeah.","start_word":3233,"end_word":3323,"sentiment":"neutral","sentiment_score":-0.03610369049340159},{"text":"I I have no emotional attachment to leaving a payout for Alan if I was to pass.","start_word":3324,"end_word":3340,"sentiment":"negative","sentiment_score":-0.3652613162994385},{"text":"Okay. Okay. It's Yeah. purely, Because, like, obviously it doesn't yeah. because with the the insurance, it's like you pay a yearly premium for it Yep. in the event that you would ever need it. Now Mhmm. often, you would hope you never have to use it, and then you're just paying for that safety net to have it. We can look at any amount. So if you were like, no. I want a million dollars left behind. We can look at that. The premium depends on the insurer, so it depends on your your health, your occupation, Mhmm. lifestyle, and stuff like that.","start_word":3341,"end_word":3444,"sentiment":"neutral","sentiment_score":0.13947191834449768},{"text":"So it is quite tailored to you.","start_word":3445,"end_word":3451,"sentiment":"positive","sentiment_score":0.46266549825668335},{"text":"So if it was something that you were like, oh, you know, I'd be interested in looking at x Mhmm. amount of life insurance. I can get a quote and stuff for you. But if you feel like based on what you were telling me, there is no Mhmm. need for it, then I won't include life because it it it also comes with, like, the premium. So it's like if if you wanted to leave anything extra or there wasn't anything else you wanna cover for, we can do it. But from what you were telling me, it seems like life might not be that important if you don't have any debts paid out, you don't have any financial dependents, and Alan is okay with his income if something were to happen to you unless you want an extra buffer left in a life insurance policy for your mom or something else? Or Mhmm. what do you kinda think about life? Are you quite happy to not have life insurance? Or what do So you think? right now, my Mhmm. attitude is I don't think I need it, but I Yep. will, have a conversation with Alan Okay. whether Yep. because you you did raise up, like, potentially, the life insurance can go to my mom, Mhmm. Mhmm. which, like, might be useful Mhmm. if she yeah. Which might be useful. But Okay. I'll have a text to Alan and what he Yep. thinks because there might be, like, enough other things for my mom anyway in Yep. terms of, like, the cash that we hold and that going to her Yep. kind of thing without having to involve, like, the insurance. Yes. Okay. I'll just put a little TBC on it, and then you can chat to Alan. Now Yep. do you have time to talk about the other insurance policies, or how are you for time? Yeah. Put a few minutes. K. Yep. Okay. The other one is then your TPD. That is totally and permanently disabled, and that is Mhmm. if you were to something would happen to you, and you can never go back to work again. There is a life there is a insurance policy you can take out in that situation. Mhmm. Is that something you feel like you wanna look at, or what are your thoughts on the total permanent disability? Do you feel like you need it? So I think there is worthwhile Mhmm. merit into looking to that because, like, if I was let's say, if I was to be disabled Yep. and then at some point during that, Al and I were to divorce, I would Yep. still need to live. So Yes. I couldn't be depending on Alan if we were to Mhmm. divorce in that case. So I Yep. would need Yep. my own kinda, like, separate things. Separate. Yep. So TPD. Yep. Now do you have an amount you would like me to look at when it comes through, like, a payout? What's this is there, like, a standard amount that people do? Not really because, again, it comes down to your situation. So, again, most people go, cool. I want my mortgage paid off. So there's, let's say, 400,000 allocated to that. I want a 100,200 allocated for medical expenses if you need to make modifications to the home or something like that. Other people I go, see. well, I don't need that. If something were to happen today, I want my income covered till Mhmm. I turn 60, until I'm 50. So it's very dependent on Okay. what you want. Yeah. It's kinda like bridging the gap until you can access your super to, like, draw upon that as well. Yes. But then if you were to full TPD, you can actually get your super paid out as well. But, obviously, that would then only last for so long. Yep. Yeah. And, also, if you're drawing out early, it it Mhmm.","start_word":3452,"end_word":4118,"sentiment":"neutral","sentiment_score":0.017325871027838523},{"text":"disrupts the plan of growth and things like that.","start_word":4119,"end_word":4127,"sentiment":"negative","sentiment_score":-0.3572571873664856},{"text":"Correct. Correct.","start_word":4128,"end_word":4129,"sentiment":"neutral","sentiment_score":-0.06507521867752075},{"text":"Oh, Otherwise, have that's a a think hassle.","start_word":4130,"end_word":4137,"sentiment":"negative","sentiment_score":-0.37107011675834656},{"text":"about it. Because then you have Yeah. a I'd think about have to life do some and research. take a day. Yeah. And then I can even give you a call maybe, like, next week. Mhmm. And then that gives you a bit of time to think about the insurances. Speak to Alan as well on what you want to do. Mhmm. And then if it is that you want to explore the the TPD, we can go through a bit of Mhmm. a pre assessment questionnaire as well when we have a bit more time. Because then what I'll do from there is I will then send it off to the insurance, and Yep. they will then give me a breakdown of how much it will cost and stuff like that for you. Now you mentioned otherwise income replacement.","start_word":4138,"end_word":4277,"sentiment":"neutral","sentiment_score":0.02047963440418243},{"text":"That's not really something you're interested in right now.","start_word":4278,"end_word":4286,"sentiment":"negative","sentiment_score":-0.37547147274017334},{"text":"So income protection. No. Was that correct? Nope. Yep. No problem. And the last insurance that is available is trauma cover. Have you ever heard of trauma insurance? No. What was that again? What's Trauma insurance? oh, trauma. Yeah. No. I have not, No? actually. No. Sorry. Basically, trauma, trauma insurance will be paid out if you have a specific medical condition. So often, Right. it Okay. will be like cancer, stroke, heart attack, different neurological conditions. Yep. Now with trauma, it is not something you have to prove that you can't go back to work. So for income protection, total permanent disability, you have to prove that you cannot go back to work. So for example, let's say let's say you have a heart attack, you go to hospital, but then you recover and can go back to work. You're not gonna get paid out TPD because you are not totally and permanently disabled. But you Mhmm. might want to take some time off. You might want to see a heart specialist. You might need your partner to take some time off and help you. That's kind of where this insurance policy can come in handy to give you a bit Mhmm. of a buffer of a bit of a payout. Now trauma is also tax free. With TPD, if you're under 60, it will be taxed when it comes out. So it is a bit of a Mhmm. different function to it. Often is if you don't have a lot of cash and stuff like that or you don't wanna touch any of that, trauma Mhmm. is, like, another kind of, I guess, policy to help in that situation. The thing to know is a trauma because it's paid Mhmm. tax free directly to your back pocket, you can't have it inside super. For the other three, you can have paid from superannuation to not impact cash flow.","start_word":4287,"end_word":4606,"sentiment":"neutral","sentiment_score":-0.0913336891680956},{"text":"Trauma, you don't. You can't.","start_word":4607,"end_word":4611,"sentiment":"negative","sentiment_score":-0.3579028844833374},{"text":"Mhmm. I don't think we need it. Nope. I think That's okay. yep. Especially Mhmm. from your and often, again, it's where people, let's say, have an income protection policy as well, which which you can Mhmm. only cover 70% of your income.","start_word":4612,"end_word":4654,"sentiment":"neutral","sentiment_score":-0.09914020448923112},{"text":"That's not enough to meet their living expenses or anything like that. Sometimes you can top up potentially by trauma depending on their eligibility for it or if you just need a a lump sum, let's say, a 100,000, 50,000, 200,000 to assist if something were to happen if you do not have any assets.","start_word":4655,"end_word":4709,"sentiment":"negative","sentiment_score":-0.4147200882434845},{"text":"Mhmm. So if you you guys are in a pretty good financial situation asset wise, so then it would just be if you wanted a buffer. But it would just be then potentially total permanent disability for you. Mhmm. Now when do you want me to give you a call to check-in once you've spoken to Alan in regards to the insurances? I can do next week, Yep. Let me have a look here. ten About ten. thirty. 10:30? Let me see. I could do is Monday usually best for you? Yeah. Yep. Okay. Perfect. Because my Monday mornings are usually quite busy, but let me have a look. I could do eleven. Would that work? Next Okay. Monday, the eighth? Yep. Mhmm. Yeah. Yep. Yep. Okay.","start_word":4710,"end_word":4836,"sentiment":"neutral","sentiment_score":-0.003108803415670991},{"text":"Beautiful.","start_word":4837,"end_word":4837,"sentiment":"positive","sentiment_score":0.36475467681884766},{"text":"Well, that is Monday, the eighth. I will Mhmm. give you a call just to check-in about total permanent disability. And if you wanted to explore that way, we'll do a bit of a pre assessment, and then we can schedule in your statement of advice presentation at that time as well. Now I have also sent an email to Alan because I am looking at doing advice for him jointly as well. Yep. Part of it Mhmm. was looking at the spousal contribution. So if that's not something, I might give him a call as well or try to get in touch with him before Monday and check-in. Because if I can get all the information from him as well, before Monday, then I can book you both in together and get this kind of underway for you. Mhmm. Yep.","start_word":4838,"end_word":4978,"sentiment":"neutral","sentiment_score":0.12616698443889618},{"text":"Perfect.","start_word":4979,"end_word":4979,"sentiment":"positive","sentiment_score":0.35689008235931396},{"text":"Yep.","start_word":4980,"end_word":4980,"sentiment":"neutral","sentiment_score":0.2534323036670685},{"text":"Alright. Perfect.","start_word":4981,"end_word":4982,"sentiment":"positive","sentiment_score":0.3958406448364258},{"text":"Would you like a reminder text at, like, an hour or two before the appointment in case something comes up for you? No. I've got it in my calendar. No? Eleven Okay. on Monday. Yep. Yep. So Monday, June 8 Mhmm. at 11AM, I'll give you a call Mhmm. and just to kinda touch base with those insurances. Mhmm. And then that is basically, yeah, most of it.","start_word":4983,"end_word":5050,"sentiment":"neutral","sentiment_score":0.13443039379575672},{"text":"Then it's just to kinda reconfirm a couple of other information, and we are good to go.","start_word":5051,"end_word":5067,"sentiment":"positive","sentiment_score":0.37855345010757446},{"text":"Yeah. So if you need to turn that call on Monday into, Yep. like, a shared call with me and Alan, like, as in once we're Yes. done with our insurance, he can pop on Mhmm. and we can do a thing. Because that's a public Yep. holiday for him, so he won't, like, Oh, he won't have any work meetings and stuff.","start_word":5068,"end_word":5130,"sentiment":"neutral","sentiment_score":0.10208217054605484},{"text":"perfect.","start_word":5131,"end_word":5131,"sentiment":"positive","sentiment_score":0.48597434163093567},{"text":"So And he'll so be home. he'll be home and he'll be free. I mean, like, Okay. I'm That's good. yeah. Yeah. Because Mhmm. otherwise, yeah, I'll make it a little bit longer, and then I might send is he usually best on emails or phone calls? Probably email him, Email? Yep. and then I'll bug him to, like, check his email. Alright. Yeah. Perfect. Because otherwise, I'll say that I spoke to you today, and I Yep. have booked him in tentatively to kind of call at the end of that conversation, and Yeah. we Yeah. can kind of finalize everything. And if that doesn't work for him, we can we can do another Yeah. time. I'll I'll add it from my calendar into his calendar Yeah.","start_word":5132,"end_word":5259,"sentiment":"neutral","sentiment_score":0.11280045658349992},{"text":"so that Beautiful.","start_word":5260,"end_word":5262,"sentiment":"positive","sentiment_score":0.5391172170639038},{"text":"so that it looks like Tag team. he's going to So he it looks like he's also got the call as well. But I'll we can start Yes. up with our staff, and then Yep. I'll get him on when you're ready for to have a growth Yes. Alright. thing. Yep.","start_word":5263,"end_word":5313,"sentiment":"neutral","sentiment_score":0.1817229688167572},{"text":"Beautiful. That sounds great. Well, thank you so much for your time today.","start_word":5314,"end_word":5326,"sentiment":"positive","sentiment_score":0.7698484063148499},{"text":"I know it was a long one. So I appreciate That's alright. your your patience, and I look forward to Mhmm. speaking with you again next Monday.","start_word":5327,"end_word":5353,"sentiment":"neutral","sentiment_score":0.2689189016819},{"text":"Thank you so much for your help, Ronica.","start_word":5354,"end_word":5361,"sentiment":"positive","sentiment_score":0.7468118071556091},{"text":"Mhmm.","start_word":5362,"end_word":5362,"sentiment":"neutral","sentiment_score":0.29182422161102295},{"text":"I appreciate it. No problem. We'll speak soon, and you enjoy the rest of your day. Thanks.","start_word":5363,"end_word":5379,"sentiment":"positive","sentiment_score":0.6114794015884399},{"text":"Bye. Bye.","start_word":5380,"end_word":5381,"sentiment":"neutral","sentiment_score":0.2488497495651245}],"average":{"sentiment":"neutral","sentiment_score":0.039200892933835774}}}}