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Just before I go any further, I do need to confirm that our calls are recorded for quality and coaching purposes. Is that okay? And, Simon, what is your client password? Lovely. Thank you for confirming. I'm phoning today as you spoke with Whitlam yesterday about working casually and superannuation contributions, and you only have a pension account. So you're unable to receive contributions. That is definitely... Yeah. So it is. I did a little bit of research before I jumped on the phone. So your... Because you retired, your superannuation fund was rolled to pension phase. So you could draw down the 20,000, which I believe is all still in progress being implemented at the moment. It's done? Oh, fantastic. I I didn't say I didn't say that part in my notes, so I apologize for that. So are you going to be working what's your intentions with working? Are you gonna keep working casually? Yep. Mhmm. Mhmm. Mhmm. Mhmm. Oh, really? No. No. Okay. I guess it is it is completely up to you. There's a few options here. Yeah. So because because you met the retirement definition, that's why it's in pension phase. While it is in pension phase, it's actually great because the gross and income is tax free. So there's a couple of options there. I wouldn't want to speculate on what Larissa's future plans are in advice for for you personally because she's much more rest of your personal financial situation and goals than I am. What... There's a couple of options we can look at doing or you can look at doing. There is the ability to establish a hub twenty four super fund that is, fee wise, going to be an admin fee and account keeping fee so on, same as your pension. The people you worked for potentially have an employ... A superannuation fund that they can establish for you on your behalf and contribute to that. Probably not. That's okay. Is... Yeah. Yep. Yeah. Yeah. I understand. I absolutely understand. The other option would be given the casual work and... Do you know how much it is you're receiving? Yeah. From the employer for the recent casual work? No. You're fine. No. That's fine. So... Yeah. Absolute. That's fine. Yep. Yeah. Yep. Yep. So about four hundred dollars. Yep. The other op... Yeah. Mhmm. Yes. Yeah. I understand. Absolutely. Given the small amount of money that you're gonna be receiving and it's ad hoc, it could be also a possibility to just open open an industry fund that's low cost. And doing that. Once you decide to then... If... When you do return back to work, if you... If that's a discussion that you've had with Larissa down the track or it's just that you're whatever it is that your plans are, we can consolidate that down the track. $400, when I look at fees for hub, it's essentially gonna be in that by hub immediately to have it in line with your pension. I couldn't see in the advice document that Larissa produced that it would be rolled back to super at all. It's more that it's to suit your retirement and your goals at the time. So if... From a general perspective, it... One of the industry funds is probably an option in relation to small ad hoc contributions to be made that we can look at consolidating later if you... If... Once, you know, you've decided to stop the ad hoc work. Yeah. Yep. Yeah. And I think that's I think that's probably why... Well, I think that's probably why Larissa's left it in pension phase because you have met the definition of retirement as such. So that... So that's why there's no recommendation to roll back to accumulation phase, probably in light of what you just said, that it's all up in the air and that that type of thing. Yeah. Yep. Yep. Okay. Mhmm. No. I believe I believe all of them are online these days. You just click open an account and follow the prompts. It's pretty standard and simple, to be honest with you. Yeah. Oh, yes. It's one 100% invested. Yeah. Yeah. It's 100 percent invested. So if I have a look at your portfolio, I'll just bring it up for you so I can have a look. It is most certainly invested. Your... It... You've got your global and cyber assets that you're invested in along with some defensive components being your iShares bond. So that's the income producing defensive type part of your policy along with your global shares. But I note in the advice document that some of those investment options are presently being switched around to make sure that you're not in any funds that weren't advised on in the advice documents. So I can see that there is some transacting happening at the moment, but your portfolio is most certainly invested. Yeah. Alright. Can I can I help with anything else? That's okay. As long as I've I've been that's... As long as I've been able to assist in answering the question, that that makes me happy. So as long as I've helped. Okay. I'll make sure that I give Larissa an update also so that she... Because she's on annual leave at the moment just so she's aware of what we talked about. And, yeah, she... She's on top of it also. Fantastic. Thanks thanks, Simon. Enjoy your day. Okay. Bye. 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Is this Simon? Simon, it's Jenna here, phoning from Oakview Financial. How are you today? I'm well.\n\nThank you. Just before I go any further, I do need to confirm that our calls are recorded for quality and coaching purposes. Is that okay? And, Simon, what is your client password? Lovely.\n\nThank you for confirming. I'm phoning today as you spoke with Whitlam yesterday about working casually and superannuation contributions, and you only have a pension account. So you're unable to receive contributions. That is definitely... Yeah.\n\nSo it is. I did a little bit of research before I jumped on the phone. So your... Because you retired, your superannuation fund was rolled to pension phase. So you could draw down the 20,000, which I believe is all still in progress being implemented at the moment.\n\nIt's done? Oh, fantastic. I I didn't say I didn't say that part in my notes, so I apologize for that. So are you going to be working what's your intentions with working? Are you gonna keep working casually?\n\nYep. Mhmm. Mhmm. Mhmm. Mhmm.\n\nOh, really? No. No. Okay. I guess it is it is completely up to you.\n\nThere's a few options here. Yeah. So because because you met the retirement definition, that's why it's in pension phase. While it is in pension phase, it's actually great because the gross and income is tax free. So there's a couple of options there.\n\nI wouldn't want to speculate on what Larissa's future plans are in advice for for you personally because she's much more rest of your personal financial situation and goals than I am. What... There's a couple of options we can look at doing or you can look at doing. There is the ability to establish a hub twenty four super fund that is, fee wise, going to be an admin fee and account keeping fee so on, same as your pension. The people you worked for potentially have an employ...\n\nA superannuation fund that they can establish for you on your behalf and contribute to that. Probably not. That's okay. Is... Yeah.\n\nYep. Yeah. Yeah. I understand. I absolutely understand.\n\nThe other option would be given the casual work and... Do you know how much it is you're receiving? Yeah. From the employer for the recent casual work? No.\n\nYou're fine. No. That's fine. So... Yeah.\n\nAbsolute. That's fine. Yep. Yeah. Yep.\n\nYep. So about four hundred dollars. Yep. The other op... Yeah.\n\nMhmm. Yes. Yeah. I understand. Absolutely.\n\nGiven the small amount of money that you're gonna be receiving and it's ad hoc, it could be also a possibility to just open open an industry fund that's low cost. And doing that. Once you decide to then... If... When you do return back to work, if you...\n\nIf that's a discussion that you've had with Larissa down the track or it's just that you're whatever it is that your plans are, we can consolidate that down the track. $400, when I look at fees for hub, it's essentially gonna be in that by hub immediately to have it in line with your pension. I couldn't see in the advice document that Larissa produced that it would be rolled back to super at all. It's more that it's to suit your retirement and your goals at the time. So if...\n\nFrom a general perspective, it... One of the industry funds is probably an option in relation to small ad hoc contributions to be made that we can look at consolidating later if you... If... Once, you know, you've decided to stop the ad hoc work. Yeah.\n\nYep. Yeah. And I think that's I think that's probably why... Well, I think that's probably why Larissa's left it in pension phase because you have met the definition of retirement as such. So that...\n\nSo that's why there's no recommendation to roll back to accumulation phase, probably in light of what you just said, that it's all up in the air and that that type of thing. Yeah. Yep. Yep. Okay.\n\nMhmm. No. I believe I believe all of them are online these days. You just click open an account and follow the prompts. It's pretty standard and simple, to be honest with you.\n\nYeah. Oh, yes. It's one 100% invested. Yeah. Yeah.\n\nIt's 100 percent invested. So if I have a look at your portfolio, I'll just bring it up for you so I can have a look. It is most certainly invested. Your... It...\n\nYou've got your global and cyber assets that you're invested in along with some defensive components being your iShares bond. So that's the income producing defensive type part of your policy along with your global shares. But I note in the advice document that some of those investment options are presently being switched around to make sure that you're not in any funds that weren't advised on in the advice documents. So I can see that there is some transacting happening at the moment, but your portfolio is most certainly invested. Yeah.\n\nAlright. Can I can I help with anything else? That's okay. As long as I've I've been that's... As long as I've been able to assist in answering the question, that that makes me happy.\n\nSo as long as I've helped. Okay. I'll make sure that I give Larissa an update also so that she... Because she's on annual leave at the moment just so she's aware of what we talked about. And, yeah, she...\n\nShe's on top of it also. Fantastic. Thanks thanks, Simon. Enjoy your day. Okay.\n\nBye. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":2.6399999,"end":2.96,"sentiment":"neutral","sentiment_score":0.04323726147413254},{"text":"Is this Simon?","start":2.96,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.0413999172548453},{"text":"Simon, it's Jenna here, phoning from Oakview Financial.","start":5.68,"end":8.42,"sentiment":"neutral","sentiment_score":0.1720585972070694},{"text":"How are you today?","start":8.48,"end":9.54,"sentiment":"neutral","sentiment_score":0.25136904418468475},{"text":"I'm well.","start":12.48,"end":13.28,"sentiment":"positive","sentiment_score":0.43107908964157104}],"sentiment":"neutral","sentiment_score":0.18953000816206136,"num_words":18,"start":2.6399999,"end":13.28},{"sentences":[{"text":"Thank you.","start":13.28,"end":14.099999,"sentiment":"positive","sentiment_score":0.6044530868530273},{"text":"Just before I go any further, I do need to confirm that our calls are recorded for quality and coaching purposes.","start":14.724999,"end":20.724998,"sentiment":"neutral","sentiment_score":0.06622066011741048},{"text":"Is that okay?","start":20.724998,"end":21.625,"sentiment":"neutral","sentiment_score":0.06967772046724956},{"text":"And, Simon, what is your client password?","start":24.485,"end":26.825,"sentiment":"neutral","sentiment_score":0.022543531975575855},{"text":"Lovely.","start":30.17,"end":30.49,"sentiment":"neutral","sentiment_score":0.29695266485214233}],"sentiment":"neutral","sentiment_score":0.09598031136042931,"num_words":34,"start":13.28,"end":30.49},{"sentences":[{"text":"Thank you for confirming.","start":30.49,"end":31.710001,"sentiment":"positive","sentiment_score":0.47175759077072144},{"text":"I'm phoning today as you spoke with Whitlam yesterday about working casually and superannuation contributions, and you only have a pension account.","start":32.73,"end":44.745,"sentiment":"neutral","sentiment_score":-0.00801115728576075},{"text":"So you're unable to receive contributions.","start":44.745,"end":46.925,"sentiment":"neutral","sentiment_score":-0.26019202545285225},{"text":"That is definitely...","start":49.785,"end":51.085,"sentiment":"neutral","sentiment_score":-0.16577657808860144},{"text":"Yeah.","start":51.465,"end":51.965,"sentiment":"neutral","sentiment_score":-0.06877290457487106}],"sentiment":"neutral","sentiment_score":-0.011568608021156656,"num_words":36,"start":30.49,"end":51.965},{"sentences":[{"text":"So it is.","start":52.345,"end":54.525,"sentiment":"neutral","sentiment_score":-0.01569485819588105},{"text":"I did a little bit of research before I jumped on the phone.","start":54.665,"end":58.13,"sentiment":"neutral","sentiment_score":-0.012395844651529422},{"text":"So your...","start":60.03,"end":60.93,"sentiment":"neutral","sentiment_score":-0.012341454159468412},{"text":"Because you retired, your superannuation fund was rolled to pension phase.","start":61.07,"end":68.45,"sentiment":"neutral","sentiment_score":-0.0009651834314519709},{"text":"So you could draw down the 20,000, which I believe is all still in progress being implemented at the moment.","start":70.365,"end":77.825,"sentiment":"neutral","sentiment_score":0.03028047736734152}],"sentiment":"neutral","sentiment_score":0.007389368698457066,"num_words":49,"start":52.345,"end":77.825},{"sentences":[{"text":"It's done?","start":79.805,"end":80.445,"sentiment":"neutral","sentiment_score":0.10138358920812607},{"text":"Oh, fantastic.","start":80.445,"end":81.265,"sentiment":"positive","sentiment_score":0.34636135399341583},{"text":"I I didn't say I didn't say that part in my notes, so I apologize for that.","start":81.485,"end":88.37,"sentiment":"neutral","sentiment_score":-0.04585888039539842},{"text":"So are you going to be working what's your intentions with working?","start":90.43,"end":97.245,"sentiment":"neutral","sentiment_score":-0.0520471828058362},{"text":"Are you gonna keep working casually?","start":97.245,"end":101.745,"sentiment":"neutral","sentiment_score":-0.055672804514567055}],"sentiment":"neutral","sentiment_score":-0.021608053873746823,"num_words":39,"start":79.805,"end":101.745},{"sentences":[{"text":"Yep.","start":107.725006,"end":108.15,"sentiment":"neutral","sentiment_score":-0.03383303061127663},{"text":"Mhmm.","start":111.43,"end":111.93,"sentiment":"neutral","sentiment_score":-0.1180254966020584},{"text":"Mhmm.","start":116.39,"end":116.89,"sentiment":"neutral","sentiment_score":-0.028749294579029083},{"text":"Mhmm.","start":120.955,"end":121.455,"sentiment":"neutral","sentiment_score":-0.02634824626147747},{"text":"Mhmm.","start":134.955,"end":135.45,"sentiment":"neutral","sentiment_score":0.008242056705057621}],"sentiment":"neutral","sentiment_score":-0.039742802269756794,"num_words":5,"start":107.725006,"end":135.45},{"sentences":[{"text":"Oh, really?","start":161.345,"end":161.925,"sentiment":"neutral","sentiment_score":-0.016494900919497013},{"text":"No.","start":176.52501,"end":177.02501,"sentiment":"neutral","sentiment_score":-0.13245375454425812},{"text":"No.","start":177.645,"end":178.145,"sentiment":"neutral","sentiment_score":-0.23759718239307404},{"text":"Okay.","start":187.405,"end":187.905,"sentiment":"neutral","sentiment_score":-0.009414251893758774},{"text":"I guess it is it is completely up to you.","start":188.12,"end":191.71999,"sentiment":"neutral","sentiment_score":0.07367865424603223}],"sentiment":"neutral","sentiment_score":0.021622103452682496,"num_words":15,"start":161.345,"end":191.71999},{"sentences":[{"text":"There's a few options here.","start":191.71999,"end":193.65999,"sentiment":"neutral","sentiment_score":0.06499762535095215},{"text":"Yeah.","start":215.83,"end":216.07,"sentiment":"neutral","sentiment_score":0.04940299689769745},{"text":"So because because you met the retirement definition, that's why it's in pension phase.","start":216.07,"end":223.13,"sentiment":"neutral","sentiment_score":0.08846517386181015},{"text":"While it is in pension phase, it's actually great because the gross and income is tax free.","start":224.31,"end":231.525,"sentiment":"positive","sentiment_score":0.43245301176519957},{"text":"So there's a couple of options there.","start":233.185,"end":236.805,"sentiment":"neutral","sentiment_score":0.11998947390488215}],"sentiment":"neutral","sentiment_score":0.22283025170591744,"num_words":44,"start":191.71999,"end":236.805},{"sentences":[{"text":"I wouldn't want to speculate on what Larissa's future plans are in advice for for you personally because she's much more rest of your personal financial situation and goals than I am.","start":237.185,"end":251.70999,"sentiment":"neutral","sentiment_score":0.12526394601445645},{"text":"What...","start":252.17,"end":252.67,"sentiment":"neutral","sentiment_score":0.08606331050395966},{"text":"There's a couple of options we can look at doing or you can look at doing.","start":253.37,"end":258.08502,"sentiment":"neutral","sentiment_score":0.11420061811804771},{"text":"There is the ability to establish a hub twenty four super fund that is, fee wise, going to be an admin fee and account keeping fee so on, same as your pension.","start":258.30502,"end":274.22,"sentiment":"neutral","sentiment_score":0.12426937674172223},{"text":"The people you worked for potentially have an employ...","start":276.12,"end":279.74,"sentiment":"neutral","sentiment_score":0.07157651252216762}],"sentiment":"neutral","sentiment_score":0.11713920156988833,"num_words":90,"start":237.185,"end":279.74},{"sentences":[{"text":"A superannuation fund that they can establish for you on your behalf and contribute to that.","start":279.8,"end":285.225,"sentiment":"neutral","sentiment_score":0.1448556105606258},{"text":"Probably not.","start":290.98502,"end":291.625,"sentiment":"neutral","sentiment_score":-0.23772137612104416},{"text":"That's okay.","start":291.625,"end":292.36502,"sentiment":"neutral","sentiment_score":-0.021503673866391182},{"text":"Is...","start":295.945,"end":296.445,"sentiment":"neutral","sentiment_score":-0.00787326879799366},{"text":"Yeah.","start":296.825,"end":297.225,"sentiment":"neutral","sentiment_score":0.0027584265917539597}],"sentiment":"neutral","sentiment_score":0.08155112849040465,"num_words":22,"start":279.8,"end":297.225},{"sentences":[{"text":"Yep.","start":297.225,"end":297.48,"sentiment":"neutral","sentiment_score":0.003755714744329453},{"text":"Yeah.","start":306.04,"end":306.52002,"sentiment":"neutral","sentiment_score":0.0050986092537641525},{"text":"Yeah.","start":306.52002,"end":307.02002,"sentiment":"neutral","sentiment_score":-0.0085305105894804},{"text":"I understand.","start":307.16,"end":307.82,"sentiment":"neutral","sentiment_score":-0.08898793160915375},{"text":"I absolutely understand.","start":309.80002,"end":311.18002,"sentiment":"neutral","sentiment_score":0.015093008677164713}],"sentiment":"neutral","sentiment_score":-0.01654662797227502,"num_words":8,"start":297.225,"end":311.18002},{"sentences":[{"text":"The other option would be given the casual work and...","start":312.015,"end":319.795,"sentiment":"neutral","sentiment_score":0.012472195271402597},{"text":"Do you know how much it is you're receiving?","start":322.335,"end":324.115,"sentiment":"neutral","sentiment_score":-0.00115458398229546},{"text":"Yeah.","start":328.06,"end":328.38,"sentiment":"neutral","sentiment_score":0.0011136941611766815},{"text":"From the employer for the recent casual work?","start":328.38,"end":331.12,"sentiment":"neutral","sentiment_score":-0.004871996003203094},{"text":"No.","start":339.67502,"end":339.915,"sentiment":"neutral","sentiment_score":-0.07348234206438065}],"sentiment":"neutral","sentiment_score":0.00010296830843234884,"num_words":29,"start":312.015,"end":339.915},{"sentences":[{"text":"You're fine.","start":339.915,"end":340.655,"sentiment":"neutral","sentiment_score":-0.03241528198122978},{"text":"No.","start":350.875,"end":351.035,"sentiment":"neutral","sentiment_score":-0.1272139549255371},{"text":"That's fine.","start":351.035,"end":351.855,"sentiment":"neutral","sentiment_score":-0.06303268671035767},{"text":"So...","start":354.99,"end":355.23,"sentiment":"neutral","sentiment_score":-0.022852929309010506},{"text":"Yeah.","start":355.23,"end":355.55,"sentiment":"neutral","sentiment_score":-0.02116804756224155}],"sentiment":"neutral","sentiment_score":-0.05173298131142344,"num_words":7,"start":339.915,"end":355.55},{"sentences":[{"text":"Absolute.","start":355.55,"end":356.05,"sentiment":"neutral","sentiment_score":-0.037083011120557785},{"text":"That's fine.","start":356.11,"end":356.93,"sentiment":"neutral","sentiment_score":-0.041936419904232025},{"text":"Yep.","start":358.66998,"end":359.16998,"sentiment":"neutral","sentiment_score":-0.019095633178949356},{"text":"Yeah.","start":368.68503,"end":369.165,"sentiment":"neutral","sentiment_score":-0.010611106641590595},{"text":"Yep.","start":369.165,"end":369.48502,"sentiment":"neutral","sentiment_score":0.06234339997172356}],"sentiment":"neutral","sentiment_score":-0.014719865129639706,"num_words":6,"start":355.55,"end":369.48502},{"sentences":[{"text":"Yep.","start":369.48502,"end":369.725,"sentiment":"neutral","sentiment_score":0.037585366517305374},{"text":"So about four hundred dollars.","start":369.725,"end":371.18503,"sentiment":"neutral","sentiment_score":0.049451577663421634},{"text":"Yep.","start":371.565,"end":372.065,"sentiment":"neutral","sentiment_score":0.06924745440483093},{"text":"The other op...","start":372.92502,"end":374.14502,"sentiment":"neutral","sentiment_score":-0.08756493777036667},{"text":"Yeah.","start":375.24503,"end":375.74503,"sentiment":"neutral","sentiment_score":-0.0052520036697387695}],"sentiment":"neutral","sentiment_score":0.007831262932582335,"num_words":11,"start":369.48502,"end":375.74503},{"sentences":[{"text":"Mhmm.","start":383.66,"end":384.16,"sentiment":"neutral","sentiment_score":0.15976688265800476},{"text":"Yes.","start":392.78,"end":393.28,"sentiment":"positive","sentiment_score":0.3765784502029419},{"text":"Yeah.","start":396.955,"end":397.455,"sentiment":"neutral","sentiment_score":-0.09277114272117616},{"text":"I understand.","start":399.755,"end":400.655,"sentiment":"neutral","sentiment_score":0.09146922826766968},{"text":"Absolutely.","start":401.195,"end":401.695,"sentiment":"neutral","sentiment_score":0.24174700677394867}],"sentiment":"neutral","sentiment_score":0.14470994224150976,"num_words":6,"start":383.66,"end":401.695},{"sentences":[{"text":"Given the small amount of money that you're gonna be receiving and it's ad hoc, it could be also a possibility to just open open an industry fund that's low cost.","start":403.595,"end":420.105,"sentiment":"neutral","sentiment_score":0.17503228807641613},{"text":"And doing that.","start":421.30502,"end":422.445,"sentiment":"neutral","sentiment_score":0.142233707010746},{"text":"Once you decide to then...","start":422.58502,"end":425.24503,"sentiment":"neutral","sentiment_score":0.05895911827683449},{"text":"If...","start":425.945,"end":426.105,"sentiment":"neutral","sentiment_score":0.006461324170231819},{"text":"When you do return back to work, if you...","start":426.105,"end":428.265,"sentiment":"neutral","sentiment_score":0.020816895696851943}],"sentiment":"neutral","sentiment_score":0.12941451078014715,"num_words":49,"start":403.595,"end":428.265},{"sentences":[{"text":"If that's a discussion that you've had with Larissa down the track or it's just that you're whatever it is that your plans are, we can consolidate that down the track.","start":428.265,"end":441.42,"sentiment":"neutral","sentiment_score":0.10025871533059305},{"text":"$400, when I look at fees for hub, it's essentially gonna be in that by hub immediately to have it in line with your pension.","start":441.80002,"end":451.19498,"sentiment":"neutral","sentiment_score":0.0858323910832405},{"text":"I couldn't see in the advice document that Larissa produced that it would be rolled back to super at all.","start":451.655,"end":458.555,"sentiment":"neutral","sentiment_score":-0.10361656844615937},{"text":"It's more that it's to suit your retirement and your goals at the time.","start":459.41498,"end":465.3,"sentiment":"neutral","sentiment_score":0.1871533069227423},{"text":"So if...","start":465.92,"end":467.38,"sentiment":"neutral","sentiment_score":0.025845108553767204}],"sentiment":"neutral","sentiment_score":0.06362320758078409,"num_words":92,"start":428.265,"end":467.38},{"sentences":[{"text":"From a general perspective, it...","start":469.2,"end":473.94,"sentiment":"neutral","sentiment_score":0.0251523626036942},{"text":"One of the industry funds is probably an option in relation to small ad hoc contributions to be made that we can look at consolidating later if you...","start":474.16,"end":489.415,"sentiment":"neutral","sentiment_score":0.0007570321072957345},{"text":"If...","start":489.415,"end":489.915,"sentiment":"neutral","sentiment_score":-0.014093157835304735},{"text":"Once, you know, you've decided to stop the ad hoc work.","start":489.975,"end":494.9,"sentiment":"neutral","sentiment_score":-0.059983210299502716},{"text":"Yeah.","start":494.9,"end":495.4,"sentiment":"neutral","sentiment_score":0.011794937774538994}],"sentiment":"neutral","sentiment_score":-0.011199017855055306,"num_words":46,"start":469.2,"end":495.4},{"sentences":[{"text":"Yep.","start":496.1,"end":496.6,"sentiment":"neutral","sentiment_score":0.06204984709620476},{"text":"Yeah.","start":499.94,"end":500.44,"sentiment":"neutral","sentiment_score":-0.016449343413114548},{"text":"And I think that's I think that's probably why...","start":501.54,"end":506.325,"sentiment":"neutral","sentiment_score":-0.17355303052398893},{"text":"Well, I think that's probably why Larissa's left it in pension phase because you have met the definition of retirement as such.","start":506.785,"end":514.645,"sentiment":"neutral","sentiment_score":-0.045738941905173386},{"text":"So that...","start":516.35004,"end":517.31006,"sentiment":"neutral","sentiment_score":-0.004522942006587982}],"sentiment":"neutral","sentiment_score":-0.07233369648456574,"num_words":35,"start":496.1,"end":517.31006},{"sentences":[{"text":"So that's why there's no recommendation to roll back to accumulation phase, probably in light of what you just said, that it's all up in the air and that that type of thing.","start":517.31006,"end":533.985,"sentiment":"neutral","sentiment_score":-0.08435490772579655},{"text":"Yeah.","start":534.52496,"end":535.02496,"sentiment":"neutral","sentiment_score":0.014791494235396383},{"text":"Yep.","start":542.285,"end":542.785,"sentiment":"neutral","sentiment_score":0.0382147952914238},{"text":"Yep.","start":542.82,"end":543.3,"sentiment":"neutral","sentiment_score":0.03329906985163689},{"text":"Okay.","start":543.3,"end":543.8,"sentiment":"neutral","sentiment_score":0.01997784525156021}],"sentiment":"neutral","sentiment_score":-0.07236293919787214,"num_words":37,"start":517.31006,"end":543.8},{"sentences":[{"text":"Mhmm.","start":545.3,"end":545.8,"sentiment":"neutral","sentiment_score":-0.02108149603009224},{"text":"No.","start":553.06,"end":553.56,"sentiment":"neutral","sentiment_score":-0.047806285321712494},{"text":"I believe I believe all of them are online these days.","start":553.62,"end":556.42,"sentiment":"neutral","sentiment_score":0.0825169100002809},{"text":"You just click open an account and follow the prompts.","start":556.42,"end":559.335,"sentiment":"neutral","sentiment_score":0.14195462241768836},{"text":"It's pretty standard and simple, to be honest with you.","start":559.335,"end":562.635,"sentiment":"neutral","sentiment_score":0.2750544995069504}],"sentiment":"neutral","sentiment_score":0.1517845287241719,"num_words":33,"start":545.3,"end":562.635},{"sentences":[{"text":"Yeah.","start":566.055,"end":566.555,"sentiment":"neutral","sentiment_score":0.036528997123241425},{"text":"Oh, yes.","start":575.83,"end":576.63,"sentiment":"neutral","sentiment_score":0.00360889919102192},{"text":"It's one 100% invested.","start":576.63,"end":578.25,"sentiment":"neutral","sentiment_score":0.059449922759085894},{"text":"Yeah.","start":578.31,"end":578.63,"sentiment":"neutral","sentiment_score":0.17123326659202576},{"text":"Yeah.","start":578.63,"end":578.95,"sentiment":"neutral","sentiment_score":0.18883560597896576}],"sentiment":"neutral","sentiment_score":0.07129059545695782,"num_words":9,"start":566.055,"end":578.95},{"sentences":[{"text":"It's 100 percent invested.","start":578.95,"end":580.49,"sentiment":"neutral","sentiment_score":0.2101123072206974},{"text":"So if I have a look at your portfolio, I'll just bring it up for you so I can have a look.","start":580.55,"end":586.055,"sentiment":"neutral","sentiment_score":0.18126397038047964},{"text":"It is most certainly invested.","start":589.075,"end":593.895,"sentiment":"neutral","sentiment_score":0.2674642503261566},{"text":"Your...","start":595.475,"end":595.975,"sentiment":"neutral","sentiment_score":0.047242917120456696},{"text":"It...","start":596.58,"end":597.08,"sentiment":"neutral","sentiment_score":0.04357672110199928}],"sentiment":"neutral","sentiment_score":0.18958780203353276,"num_words":33,"start":578.95,"end":597.08},{"sentences":[{"text":"You've got your global and cyber assets that you're invested in along with some defensive components being your iShares bond.","start":597.14,"end":605.24,"sentiment":"neutral","sentiment_score":0.10084984339773655},{"text":"So that's the income producing defensive type part of your policy along with your global shares.","start":605.94,"end":613.875,"sentiment":"neutral","sentiment_score":0.10730725387111306},{"text":"But I note in the advice document that some of those investment options are presently being switched around to make sure that you're not in any funds that weren't advised on in the advice documents.","start":613.875,"end":627.38,"sentiment":"neutral","sentiment_score":-0.015346137008496694},{"text":"So I can see that there is some transacting happening at the moment, but your portfolio is most certainly invested.","start":627.44,"end":632.74,"sentiment":"neutral","sentiment_score":0.027252843405585737},{"text":"Yeah.","start":635.27997,"end":635.77997,"sentiment":"neutral","sentiment_score":0.22795256972312927}],"sentiment":"neutral","sentiment_score":0.04315008230902174,"num_words":92,"start":597.14,"end":635.77997},{"sentences":[{"text":"Alright.","start":636.16,"end":636.66,"sentiment":"neutral","sentiment_score":0.18012438714504242},{"text":"Can I can I help with anything else?","start":637.455,"end":641.47504,"sentiment":"neutral","sentiment_score":0.17509675770998},{"text":"That's okay.","start":647.935,"end":648.575,"sentiment":"neutral","sentiment_score":0.08598249033093452},{"text":"As long as I've I've been that's...","start":648.575,"end":651.75,"sentiment":"neutral","sentiment_score":-0.012960525495665414},{"text":"As long as I've been able to assist in answering the question, that that makes me happy.","start":651.75,"end":658.70996,"sentiment":"neutral","sentiment_score":0.2964075578047949}],"sentiment":"neutral","sentiment_score":0.19145909239138875,"num_words":35,"start":636.16,"end":658.70996},{"sentences":[{"text":"So as long as I've helped.","start":658.70996,"end":662.25,"sentiment":"neutral","sentiment_score":0.030424544277290504},{"text":"Okay.","start":669.445,"end":669.945,"sentiment":"neutral","sentiment_score":0.08543127775192261},{"text":"I'll make sure that I give Larissa an update also so that she...","start":671.925,"end":676.85004,"sentiment":"neutral","sentiment_score":0.0750021434460695},{"text":"Because she's on annual leave at the moment just so she's aware of what we talked 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Yes. Speaking. I'm alright, Jenna. How are you going? Mhmm. Sure. Sure. 5566. Yep. Yeah. I think that's the case. I don't know. That is the case. Right. Okay. Okay. Mhmm. Okay. Yep. Oh, it's done. Oh, well and truly. Okay. Right. That's okay. I don't know. Well, I kind of... Yeah. I've had this... I guess I've had this whole conversation with Larissa, I think it was, who sort of implemented it all. And it's essentially that I'm taking some time out from what I normally do. And because I reached 60, I sort of drew down some money so that it would enable me to not have to do what I normally do in terms of, you know, on wages. So I normally work in film and are sort of a short term contract by short term contract. So... Yeah. So that was so I can try and get my own film up, which I'm sort of in the process of doing. In the meantime, I sort of got asked by friends to do some work on their production. And I was gonna just do it on the invoice, but then I... It's very hard to do that in film. So they just put me on a short term contract, which is basically for, like, about eight days, which I... Which is what I've done. Yeah. And I basically did it and finished up yesterday. So that's two pay rounds. And then they went to put some money in, and they said... And I just gave my old super details, and they went, oh, you don't have a super account. And I was like, oh. And then they're all panicking because of the new legislation that says they have to put it in every week. So I was like, oh my god. Simon, what are you doing? So I don't know. What am I doing? Yeah. Yep. So I thought that she was only putting it in that pension account temporarily. That's it, what I understood from Larissa. And that then once... And that was to bypass capital gains tax. And then once that was done, that it would go back into something else. Yeah. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Right. Possibly probably not. Well, yeah. It's just that they, you know, like, each production starts a company and they start a greenfield agreement and then they shoot and they finish the production and then they no longer exist anymore. And then they they work for another company, you know, and they start a new company. Yeah. So there's no continuity whatsoever. Yeah. Yep. In terms of super? Hang on. I can just look that up briefly. Just give me a sec. Yeah. Okay. At this stage... Oh, it's not on their course because I haven't put any in. I just looked at the page there. Yeah. I mean, gross, it's like... Say gross for that. What I've worked is about... The gross pay is about $4. So whatever super is what? 10% of that or something, I think? That'd be about $400. Yeah. And it may happen again. It may happen again. Because I basically, you know, I'm just trying to control my employment. So rather than be a slave to them, which is it's a slave job, I'm just saying, oh, yeah. Maybe I can make that for you, or I can do this a little bit. And I'm sort of can work from home, and I have control of it, and I can control my hours as well as what else I'm doing. So I'm open to doing that because it just keeps me topping up and not starving and all that kind of stuff. So... Yeah. Mhmm. Yep. Yep. Mhmm. I'm just starting one up myself. Yep. Yep. Yeah. Yes. Right. Right. Yeah. Yeah. Yeah. What I'm doing. Yeah. Yeah. Yeah. I'm pretty open... Up in the air at the moment. So, you know... Yeah. I'm trying to... I'm not really retiring. Yep. Yep. Yeah. Yeah. It is what I can do. Okay. So... Okay. Well, we do have... I mean, there's a media super, and that's a that's an industry super fund that's tied to the industry. So I know. And I've been with them before. So not that I'm sure that makes any difference whatsoever. They're like... I mean, I guess that's not hard to start up something like that. Is it? And does it... Yep. Yeah. Yep. Okay. Alright. And so I'm not a 100% sure of the implications of having my retirement fund. Does that mean... But you still invest it invest it though, don't you? Or... Yeah. Yeah. Yeah. Okay. Yeah. Correct. Alright. Right. Right. Okay. Great. Yep. Cool. Yep. Okay. Cool. I don't think I have anything else to be helped with. Sure. I I don't know. Yep. Okay. Yeah. No. That's... Yeah. You've helped. It's okay. I'll I'll just do that. And so I know I sorta know where I know where I'm at. So that's cool. And then I'll just... Yeah. Yep. Yep. Okay. No worries. Okay. Cool. No worries. Cheers. Thank you. You too. Okay. 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Yes. Speaking. I'm alright, Jenna. How are you going?\n\nMhmm. Sure. Sure. 5566. Yep.\n\nYeah. I think that's the case. I don't know. That is the case. Right.\n\nOkay. Okay. Mhmm. Okay. Yep.\n\nOh, it's done. Oh, well and truly. Okay. Right. That's okay.\n\nI don't know. Well, I kind of... Yeah. I've had this... I guess I've had this whole conversation with Larissa, I think it was, who sort of implemented it all.\n\nAnd it's essentially that I'm taking some time out from what I normally do. And because I reached 60, I sort of drew down some money so that it would enable me to not have to do what I normally do in terms of, you know, on wages. So I normally work in film and are sort of a short term contract by short term contract. So... Yeah.\n\nSo that was so I can try and get my own film up, which I'm sort of in the process of doing. In the meantime, I sort of got asked by friends to do some work on their production. And I was gonna just do it on the invoice, but then I... It's very hard to do that in film. So they just put me on a short term contract, which is basically for, like, about eight days, which I...\n\nWhich is what I've done. Yeah. And I basically did it and finished up yesterday. So that's two pay rounds. And then they went to put some money in, and they said...\n\nAnd I just gave my old super details, and they went, oh, you don't have a super account. And I was like, oh. And then they're all panicking because of the new legislation that says they have to put it in every week. So I was like, oh my god. Simon, what are you doing?\n\nSo I don't know. What am I doing? Yeah. Yep. So I thought that she was only putting it in that pension account temporarily.\n\nThat's it, what I understood from Larissa. And that then once... And that was to bypass capital gains tax. And then once that was done, that it would go back into something else. Yeah.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Right. Possibly probably not. Well, yeah. It's just that they, you know, like, each production starts a company and they start a greenfield agreement and then they shoot and they finish the production and then they no longer exist anymore.\n\nAnd then they they work for another company, you know, and they start a new company. Yeah. So there's no continuity whatsoever. Yeah. Yep.\n\nIn terms of super? Hang on. I can just look that up briefly. Just give me a sec. Yeah.\n\nOkay. At this stage... Oh, it's not on their course because I haven't put any in. I just looked at the page there. Yeah.\n\nI mean, gross, it's like... Say gross for that. What I've worked is about... The gross pay is about $4. So whatever super is what?\n\n10% of that or something, I think? That'd be about $400. Yeah. And it may happen again. It may happen again.\n\nBecause I basically, you know, I'm just trying to control my employment. So rather than be a slave to them, which is it's a slave job, I'm just saying, oh, yeah. Maybe I can make that for you, or I can do this a little bit. And I'm sort of can work from home, and I have control of it, and I can control my hours as well as what else I'm doing. So I'm open to doing that because it just keeps me topping up and not starving and all that kind of stuff.\n\nSo... Yeah. Mhmm. Yep. Yep.\n\nMhmm. I'm just starting one up myself. Yep. Yep. Yeah.\n\nYes. Right. Right. Yeah. Yeah.\n\nYeah. What I'm doing. Yeah. Yeah. Yeah.\n\nI'm pretty open... Up in the air at the moment. So, you know... Yeah. I'm trying to...\n\nI'm not really retiring. Yep. Yep. Yeah. Yeah.\n\nIt is what I can do. Okay. So... Okay. Well, we do have...\n\nI mean, there's a media super, and that's a that's an industry super fund that's tied to the industry. So I know. And I've been with them before. So not that I'm sure that makes any difference whatsoever. They're like...\n\nI mean, I guess that's not hard to start up something like that. Is it? And does it... Yep. Yeah.\n\nYep. Okay. Alright. And so I'm not a 100% sure of the implications of having my retirement fund. Does that mean...\n\nBut you still invest it invest it though, don't you? Or... Yeah. Yeah. Yeah.\n\nOkay. Yeah. Correct. Alright. Right.\n\nRight. Okay. Great. Yep. Cool.\n\nYep. Okay. Cool. I don't think I have anything else to be helped with. Sure.\n\nI I don't know. Yep. Okay. Yeah. No.\n\nThat's... Yeah. You've helped. It's okay. I'll I'll just do that.\n\nAnd so I know I sorta know where I know where I'm at. So that's cool. And then I'll just... Yeah. Yep.\n\nYep. Okay. No worries. Okay. Cool.\n\nNo worries. Cheers. Thank you. You too. Okay.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.04,"end":1.54,"sentiment":"neutral","sentiment_score":0.02007521875202656},{"text":"Yes.","start":4.16,"end":4.48,"sentiment":"neutral","sentiment_score":0.09256796538829803},{"text":"Speaking.","start":4.48,"end":4.98,"sentiment":"neutral","sentiment_score":0.1021369993686676},{"text":"I'm alright, Jenna.","start":9.84,"end":10.88,"sentiment":"neutral","sentiment_score":0.29786379138628644},{"text":"How are you going?","start":10.88,"end":11.78,"sentiment":"positive","sentiment_score":0.3417866975069046}],"sentiment":"neutral","sentiment_score":0.24755183476954698,"num_words":10,"start":1.04,"end":11.78},{"sentences":[{"text":"Mhmm.","start":21.134998,"end":21.634998,"sentiment":"neutral","sentiment_score":0.009293653070926666},{"text":"Sure.","start":22.015,"end":22.515,"sentiment":"neutral","sentiment_score":0.03143387287855148},{"text":"Sure.","start":22.654999,"end":23.154999,"sentiment":"neutral","sentiment_score":0.02620585635304451},{"text":"5566.","start":27.949999,"end":29.33,"sentiment":"neutral","sentiment_score":0.030870497226715088},{"text":"Yep.","start":36.91,"end":37.41,"sentiment":"neutral","sentiment_score":-0.0052312444895505905}],"sentiment":"neutral","sentiment_score":0.01851452700793743,"num_words":5,"start":21.134998,"end":37.41},{"sentences":[{"text":"Yeah.","start":45.015,"end":45.515,"sentiment":"neutral","sentiment_score":-0.15658403933048248},{"text":"I think that's the case.","start":47.495003,"end":48.955,"sentiment":"neutral","sentiment_score":-0.27353673577308657},{"text":"I don't know.","start":49.975002,"end":50.875,"sentiment":"neutral","sentiment_score":-0.19508862495422363},{"text":"That is the case.","start":51.655,"end":52.955,"sentiment":"neutral","sentiment_score":-0.08003775775432587},{"text":"Right.","start":53.015,"end":53.415,"sentiment":"neutral","sentiment_score":-0.007759623229503632}],"sentiment":"neutral","sentiment_score":-0.1741031605218138,"num_words":14,"start":45.015,"end":53.415},{"sentences":[{"text":"Okay.","start":53.415,"end":53.915,"sentiment":"neutral","sentiment_score":0.006108216010034084},{"text":"Okay.","start":55.335,"end":55.77,"sentiment":"neutral","sentiment_score":-0.0031633256003260612},{"text":"Mhmm.","start":55.77,"end":56.27,"sentiment":"neutral","sentiment_score":-0.010592039674520493},{"text":"Okay.","start":62.572502,"end":63.072502,"sentiment":"neutral","sentiment_score":-0.008775104768574238},{"text":"Yep.","start":73.215,"end":73.715,"sentiment":"neutral","sentiment_score":0.023634936660528183}],"sentiment":"neutral","sentiment_score":0.0014425365254282952,"num_words":5,"start":53.415,"end":73.715},{"sentences":[{"text":"Oh, it's done.","start":78.015,"end":78.995,"sentiment":"neutral","sentiment_score":0.07737088451782863},{"text":"Oh, well and truly.","start":80.815,"end":81.875,"sentiment":"neutral","sentiment_score":0.18159447237849236},{"text":"Okay.","start":86.549995,"end":87.049995,"sentiment":"neutral","sentiment_score":-0.05902634561061859},{"text":"Right.","start":87.11,"end":87.61,"sentiment":"neutral","sentiment_score":-0.04115902632474899},{"text":"That's okay.","start":88.229996,"end":89.03,"sentiment":"neutral","sentiment_score":-0.006648009177297354}],"sentiment":"neutral","sentiment_score":0.076819013888863,"num_words":11,"start":78.015,"end":89.03},{"sentences":[{"text":"I don't know.","start":89.03,"end":89.77,"sentiment":"neutral","sentiment_score":-0.10799192388852437},{"text":"Well, I kind of...","start":100.505,"end":101.645,"sentiment":"neutral","sentiment_score":-0.07477494888007641},{"text":"Yeah.","start":102.185,"end":102.425,"sentiment":"neutral","sentiment_score":-0.05566825717687607},{"text":"I've had this...","start":102.425,"end":103.145,"sentiment":"neutral","sentiment_score":-0.07695606102546056},{"text":"I guess I've had this whole conversation with Larissa, I think it was, who sort of implemented it all.","start":103.145,"end":110.745,"sentiment":"neutral","sentiment_score":-0.06062628505261321}],"sentiment":"neutral","sentiment_score":-0.06871704744795958,"num_words":30,"start":89.03,"end":110.745},{"sentences":[{"text":"And it's essentially that I'm taking some time out from what I normally do.","start":110.745,"end":115.78,"sentiment":"neutral","sentiment_score":-0.12411627652389663},{"text":"And because I reached 60, I sort of drew down some money so that it would enable me to not have to do what I normally do in terms of, you know, on wages.","start":118.479996,"end":128.985,"sentiment":"neutral","sentiment_score":-0.018845215658931172},{"text":"So I normally work in film and are sort of a short term contract by short term contract.","start":128.985,"end":134.36499,"sentiment":"neutral","sentiment_score":0.03922436624351475},{"text":"So...","start":136.025,"end":136.525,"sentiment":"neutral","sentiment_score":0.010958283208310604},{"text":"Yeah.","start":137.22499,"end":137.705,"sentiment":"neutral","sentiment_score":0.06655368208885193}],"sentiment":"neutral","sentiment_score":-0.023453156559673304,"num_words":68,"start":110.745,"end":137.705},{"sentences":[{"text":"So that was so I can try and get my own film up, which I'm sort of in the process of doing.","start":137.705,"end":143.36,"sentiment":"neutral","sentiment_score":0.11861814592372287},{"text":"In the meantime, I sort of got asked by friends to do some work on their 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finished up yesterday.","start":163.275,"end":165.61499,"sentiment":"neutral","sentiment_score":0.08185709598991606},{"text":"So that's two pay rounds.","start":165.675,"end":166.955,"sentiment":"neutral","sentiment_score":0.02922840677201748},{"text":"And then they went to put some money in, and they said...","start":166.955,"end":170.895,"sentiment":"neutral","sentiment_score":-0.020130213738108676}],"sentiment":"neutral","sentiment_score":0.021596633829176426,"num_words":32,"start":161.995,"end":170.895},{"sentences":[{"text":"And I just gave my old super details, and they went, oh, you don't have a super account.","start":171.06,"end":175.78,"sentiment":"neutral","sentiment_score":-0.08858771539396709},{"text":"And I was like, oh.","start":175.78,"end":176.84,"sentiment":"neutral","sentiment_score":-0.08926090449094773},{"text":"And then they're all panicking because of the new legislation that says they have to put it in every 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probably not.","start":287.49,"end":289.99,"sentiment":"neutral","sentiment_score":-0.11824694524208705},{"text":"Well, yeah.","start":292.05002,"end":292.85,"sentiment":"neutral","sentiment_score":0.006435493007302284},{"text":"It's just that they, you know, like, each production starts a company and they start a greenfield agreement and then they shoot and they finish the production and then they no longer exist anymore.","start":292.85,"end":301.985,"sentiment":"neutral","sentiment_score":-0.03402398099355838}],"sentiment":"neutral","sentiment_score":-0.03415304436007651,"num_words":41,"start":274.685,"end":301.985},{"sentences":[{"text":"And then they they work for another company, you know, and they start a new company.","start":301.985,"end":305.60498,"sentiment":"neutral","sentiment_score":-0.04492052202112973},{"text":"Yeah.","start":305.66498,"end":305.985,"sentiment":"neutral","sentiment_score":0.005441946908831596},{"text":"So there's no continuity 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sec.","start":337.82,"end":338.96,"sentiment":"neutral","sentiment_score":0.0036354631185531614},{"text":"Yeah.","start":341.25998,"end":341.34,"sentiment":"neutral","sentiment_score":-0.003274694085121155}],"sentiment":"neutral","sentiment_score":0.002313393658321155,"num_words":19,"start":325.80502,"end":341.34},{"sentences":[{"text":"Okay.","start":341.34,"end":341.84,"sentiment":"neutral","sentiment_score":-0.008013212122023106},{"text":"At this stage...","start":343.97998,"end":345.75998,"sentiment":"neutral","sentiment_score":-0.03904622669021288},{"text":"Oh, it's not on their course because I haven't put any in.","start":346.53998,"end":352.995,"sentiment":"neutral","sentiment_score":-0.1214595294247071},{"text":"I just looked at the page 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it...","start":552.29504,"end":553.195,"sentiment":"neutral","sentiment_score":-0.021127449969450634},{"text":"Yep.","start":558.0,"end":558.5,"sentiment":"neutral","sentiment_score":0.10088898986577988},{"text":"Yeah.","start":559.68,"end":560.18,"sentiment":"neutral","sentiment_score":0.2877883017063141}],"sentiment":"neutral","sentiment_score":-0.00901297926902771,"num_words":20,"start":548.695,"end":560.18},{"sentences":[{"text":"Yep.","start":563.04004,"end":563.28,"sentiment":"neutral","sentiment_score":0.09266527742147446},{"text":"Okay.","start":563.28,"end":563.78,"sentiment":"neutral","sentiment_score":0.09614547342061996},{"text":"Alright.","start":564.64,"end":565.14,"sentiment":"neutral","sentiment_score":0.0934438556432724},{"text":"And so I'm not a 100% sure of the implications of having my retirement fund.","start":566.24,"end":573.165,"sentiment":"neutral","sentiment_score":-0.07426633536815644},{"text":"Does that mean...","start":573.165,"end":573.645,"sentiment":"neutral","sentiment_score":-0.024507325142621994}],"sentiment":"neutral","sentiment_score":-0.043107733307849797,"num_words":21,"start":563.04004,"end":573.645},{"sentences":[{"text":"But you still invest it invest it though, don't you?","start":573.645,"end":576.385,"sentiment":"neutral","sentiment_score":0.004531457275152207},{"text":"Or...","start":576.845,"end":577.005,"sentiment":"neutral","sentiment_score":0.0033045420423150063},{"text":"Yeah.","start":577.005,"end":577.505,"sentiment":"neutral","sentiment_score":-0.0016159791266545651},{"text":"Yeah.","start":578.445,"end":578.845,"sentiment":"neutral","sentiment_score":0.16237476468086243},{"text":"Yeah.","start":578.845,"end":579.345,"sentiment":"neutral","sentiment_score":0.22592630982398987}],"sentiment":"neutral","sentiment_score":0.031093157869431058,"num_words":14,"start":573.645,"end":579.345},{"sentences":[{"text":"Okay.","start":579.40497,"end":579.90497,"sentiment":"neutral","sentiment_score":0.23609915375709536},{"text":"Yeah.","start":595.16,"end":595.39996,"sentiment":"neutral","sentiment_score":0.1480238437652588},{"text":"Correct.","start":595.39996,"end":595.89996,"sentiment":"neutral","sentiment_score":0.14047551155090332},{"text":"Alright.","start":628.13,"end":628.29,"sentiment":"neutral","sentiment_score":0.019280575215816494},{"text":"Right.","start":628.29,"end":628.79,"sentiment":"neutral","sentiment_score":0.011989884078502657}],"sentiment":"neutral","sentiment_score":0.11117379367351532,"num_words":5,"start":579.40497,"end":628.79},{"sentences":[{"text":"Right.","start":631.25,"end":631.75,"sentiment":"neutral","sentiment_score":0.06523007899522781},{"text":"Okay.","start":633.195,"end":633.515,"sentiment":"neutral","sentiment_score":0.2397751659154892},{"text":"Great.","start":633.515,"end":633.915,"sentiment":"positive","sentiment_score":0.47380465269088745},{"text":"Yep.","start":633.915,"end":634.315,"sentiment":"neutral","sentiment_score":0.3201274573802948},{"text":"Cool.","start":634.315,"end":634.815,"sentiment":"positive","sentiment_score":0.40133845806121826}],"sentiment":"neutral","sentiment_score":0.3000551626086235,"num_words":5,"start":631.25,"end":634.815},{"sentences":[{"text":"Yep.","start":635.995,"end":636.495,"sentiment":"neutral","sentiment_score":0.17014363408088684},{"text":"Okay.","start":637.115,"end":637.615,"sentiment":"neutral","sentiment_score":0.17192032933235168},{"text":"Cool.","start":637.835,"end":638.335,"sentiment":"neutral","sentiment_score":0.2661438584327698},{"text":"I don't think I have anything else to be helped with.","start":643.515,"end":646.815,"sentiment":"neutral","sentiment_score":-0.044011779806830666},{"text":"Sure.","start":648.65,"end":649.13,"sentiment":"neutral","sentiment_score":0.025233563035726547}],"sentiment":"neutral","sentiment_score":0.009954120467106501,"num_words":15,"start":635.995,"end":649.13},{"sentences":[{"text":"I I don't know.","start":649.13,"end":650.35004,"sentiment":"neutral","sentiment_score":-0.030587884597480297},{"text":"Yep.","start":655.93,"end":656.43,"sentiment":"neutral","sentiment_score":0.30570194125175476},{"text":"Okay.","start":660.66504,"end":661.065,"sentiment":"neutral","sentiment_score":0.08315162360668182},{"text":"Yeah.","start":661.065,"end":661.30505,"sentiment":"neutral","sentiment_score":0.03333556652069092},{"text":"No.","start":661.30505,"end":661.465,"sentiment":"neutral","sentiment_score":-0.008242495357990265}],"sentiment":"neutral","sentiment_score":0.036449387203902006,"num_words":8,"start":649.13,"end":661.465},{"sentences":[{"text":"That's...","start":661.465,"end":661.965,"sentiment":"neutral","sentiment_score":0.01477599423378706},{"text":"Yeah.","start":662.34503,"end":662.585,"sentiment":"neutral","sentiment_score":0.1622772514820099},{"text":"You've helped.","start":662.585,"end":663.145,"sentiment":"neutral","sentiment_score":0.2783384323120117},{"text":"It's okay.","start":663.145,"end":663.78503,"sentiment":"neutral","sentiment_score":0.2722419202327728},{"text":"I'll I'll just do that.","start":663.78503,"end":665.145,"sentiment":"neutral","sentiment_score":0.2524656683206558}],"sentiment":"neutral","sentiment_score":0.23095839021896775,"num_words":11,"start":661.465,"end":665.145},{"sentences":[{"text":"And so I know I sorta know where I know where I'm at.","start":665.145,"end":667.945,"sentiment":"neutral","sentiment_score":0.16608985857321665},{"text":"So that's cool.","start":667.945,"end":668.84503,"sentiment":"positive","sentiment_score":0.3502081533273061},{"text":"And then I'll just...","start":669.54504,"end":670.825,"sentiment":"neutral","sentiment_score":0.04473666101694107},{"text":"Yeah.","start":670.825,"end":671.325,"sentiment":"neutral","sentiment_score":0.05501525104045868},{"text":"Yep.","start":675.96,"end":676.46,"sentiment":"neutral","sentiment_score":0.04336928948760033}],"sentiment":"neutral","sentiment_score":0.1585056275467981,"num_words":22,"start":665.145,"end":676.46},{"sentences":[{"text":"Yep.","start":683.08,"end":683.58,"sentiment":"neutral","sentiment_score":0.05123940110206604},{"text":"Okay.","start":686.92004,"end":687.42004,"sentiment":"neutral","sentiment_score":0.11924469470977785},{"text":"No worries.","start":687.56,"end":688.365,"sentiment":"neutral","sentiment_score":0.20381266623735428},{"text":"Okay.","start":689.325,"end":689.825,"sentiment":"positive","sentiment_score":0.3340229094028473},{"text":"Cool.","start":690.285,"end":690.785,"sentiment":"positive","sentiment_score":0.5079836845397949}],"sentiment":"neutral","sentiment_score":0.23668600370486578,"num_words":6,"start":683.08,"end":690.785},{"sentences":[{"text":"No worries.","start":691.485,"end":692.205,"sentiment":"neutral","sentiment_score":0.08845783397555351},{"text":"Cheers.","start":692.205,"end":692.705,"sentiment":"positive","sentiment_score":0.586051344871521},{"text":"Thank you.","start":693.245,"end":693.985,"sentiment":"positive","sentiment_score":0.7997410297393799},{"text":"You too.","start":694.125,"end":694.865,"sentiment":"positive","sentiment_score":0.4748348146677017},{"text":"Okay.","start":695.645,"end":696.145,"sentiment":"neutral","sentiment_score":0.16949665546417236}],"sentiment":"positive","sentiment_score":0.43520191963762045,"num_words":8,"start":691.485,"end":696.145},{"sentences":[{"text":"Bye.","start":696.365,"end":696.865,"sentiment":"neutral","sentiment_score":0.1687558889389038}],"sentiment":"neutral","sentiment_score":0.1687558889389038,"num_words":1,"start":696.365,"end":696.865}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi. Is this Simon?\n\nChannel 1: Yes. Speaking.\n\nChannel 0: Simon, it's Jenna here, phoning from Oakview Financial. How are you today?\n\nChannel 1: I'm alright, Jenna. How are you going?\n\nChannel 0: I'm well. Thank you. Just before I go any further, I do need to confirm that our calls are recorded for quality and coaching purposes. Is that okay?\n\nChannel 1: Mhmm. Sure. Sure.\n\nChannel 0: And, Simon, what is your client password?\n\nChannel 1: 5566.\n\nChannel 0: Lovely. Thank you for confirming. I'm phoning today as you spoke with Whitlam yesterday\n\nChannel 1: Yep.\n\nChannel 0: about working casually and superannuation contributions, and you only have a pension account. So\n\nChannel 1: Yeah.\n\nChannel 0: you're unable to receive contributions.\n\nChannel 1: I think that's the case.\n\nChannel 0: That\n\nChannel 1: I\n\nChannel 0: is\n\nChannel 1: don't know.\n\nChannel 0: definitely... Yeah.\n\nChannel 1: That is the\n\nChannel 0: So\n\nChannel 1: case. Right. Okay.\n\nChannel 0: it is. I did a little\n\nChannel 1: Okay.\n\nChannel 0: bit of\n\nChannel 1: Mhmm.\n\nChannel 0: research before I jumped on the phone. So your... Because you retired,\n\nChannel 1: Okay.\n\nChannel 0: your superannuation fund was rolled to pension phase. So you could draw down the 20,000, which\n\nChannel 1: Yep.\n\nChannel 0: I believe is all still in progress being implemented at the moment.\n\nChannel 1: Oh, it's done.\n\nChannel 0: It's done? Oh, fantastic.\n\nChannel 1: Oh, well and truly.\n\nChannel 0: I I didn't say I didn't say that part in my notes, so\n\nChannel 1: Okay.\n\nChannel 0: I apologize\n\nChannel 1: Right.\n\nChannel 0: for that.\n\nChannel 1: That's okay. I don't know.\n\nChannel 0: So are you going to be working what's your intentions with working? Are you gonna keep working\n\nChannel 1: Well, I kind of...\n\nChannel 0: casually?\n\nChannel 1: Yeah. I've had this... I guess I've had this whole conversation with Larissa, I think it was,\n\nChannel 0: Yep.\n\nChannel 1: who sort of implemented it all. And it's\n\nChannel 0: Mhmm.\n\nChannel 1: essentially that I'm taking some time out from what I normally do.\n\nChannel 0: Mhmm.\n\nChannel 1: And because I reached 60, I sort\n\nChannel 0: Mhmm.\n\nChannel 1: of drew down some money so that it would enable me to not have to do what I normally do in terms of, you know, on wages. So I normally work in film and are sort of a short term contract by short term contract.\n\nChannel 0: Mhmm.\n\nChannel 1: So... Yeah. So that was so I can try and get my own film up, which I'm sort of in the process of doing. In the meantime, I sort of got asked by friends to do some work on their production. And I was gonna just do it on the invoice, but then I...\n\nIt's very hard to do that in film. So they just put me on a short term contract, which is basically for, like, about eight days, which\n\nChannel 0: Oh,\n\nChannel 1: I...\n\nChannel 0: really?\n\nChannel 1: Which is what I've done. Yeah. And I basically did it and finished up yesterday. So that's two pay rounds. And then they went to put some money in, and they said...\n\nAnd I just gave my old super details, and they went, oh, you don't have a super account. And I was like, oh.\n\nChannel 0: No.\n\nChannel 1: And then they're all\n\nChannel 0: No.\n\nChannel 1: panicking because of the new legislation that says they have to put it in every week. So I was like, oh my god. Simon, what are you doing? So I don't know. What am I doing?\n\nChannel 0: Okay. I guess\n\nChannel 1: Yeah.\n\nChannel 0: it is it is completely up to you. There's a few options here.\n\nChannel 1: Yep. So I thought that she was only putting it in that pension account temporarily. That's it, what I understood from Larissa. And that then once... And that was to bypass capital gains tax.\n\nAnd then once that was done, that it would go back into something else.\n\nChannel 0: Yeah. So\n\nChannel 1: Yeah.\n\nChannel 0: because because you met the retirement definition, that's\n\nChannel 1: Yep.\n\nChannel 0: why it's in pension phase. While it is in pension phase, it's actually great because the gross and income is tax free.\n\nChannel 1: Yeah.\n\nChannel 0: So there's a couple of options there. I wouldn't want to speculate on what Larissa's future plans are in advice for\n\nChannel 1: Yeah.\n\nChannel 0: for you personally because she's much more rest of your personal financial situation and goals than I am. What... There's a couple of options we can look at doing\n\nChannel 1: Yeah.\n\nChannel 0: or you can look at doing. There is the ability to establish a hub twenty four super fund\n\nChannel 1: Yeah.\n\nChannel 0: that is, fee wise, going to be an admin fee and account keeping fee so on, same as your pension.\n\nChannel 1: Yeah.\n\nChannel 0: The people you worked for potentially have an employ... A superannuation fund that they can establish for you on your behalf and contribute to that.\n\nChannel 1: Right. Possibly probably not.\n\nChannel 0: Probably not. That's okay.\n\nChannel 1: Well, yeah. It's just that they, you know, like, each production starts a company\n\nChannel 0: Is...\n\nChannel 1: and they\n\nChannel 0: Yeah.\n\nChannel 1: start a\n\nChannel 0: Yep.\n\nChannel 1: greenfield agreement and then they shoot and they finish the production and then they no longer exist anymore. And then they they work for another company, you know, and they start a new company. Yeah. So\n\nChannel 0: Yeah. Yeah. I\n\nChannel 1: there's\n\nChannel 0: understand.\n\nChannel 1: no continuity whatsoever. Yeah.\n\nChannel 0: I absolutely understand.\n\nChannel 1: Yep.\n\nChannel 0: The other option would be given the casual work and... Do you know how much it is you're receiving?\n\nChannel 1: In terms of super?\n\nChannel 0: Yeah. From the employer for the recent casual work?\n\nChannel 1: Hang on. I can just look that up briefly. Just give me a sec.\n\nChannel 0: No. You're fine.\n\nChannel 1: Yeah. Okay. At this stage... Oh, it's not on their course because I haven't put any\n\nChannel 0: No. That's fine.\n\nChannel 1: in. I just looked at the page there. Yeah.\n\nChannel 0: So... Yeah.\n\nChannel 1: I\n\nChannel 0: Absolute.\n\nChannel 1: mean,\n\nChannel 0: That's\n\nChannel 1: gross,\n\nChannel 0: fine.\n\nChannel 1: it's like... Say gross for that. What\n\nChannel 0: Yep.\n\nChannel 1: I've worked is about... The gross pay is about $4. So whatever super is what? 10% of that or something, I think?\n\nChannel 0: Yeah. Yep.\n\nChannel 1: That'd\n\nChannel 0: Yep.\n\nChannel 1: be\n\nChannel 0: So\n\nChannel 1: about\n\nChannel 0: about\n\nChannel 1: $400.\n\nChannel 0: four hundred dollars.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: And\n\nChannel 0: The\n\nChannel 1: it\n\nChannel 0: other\n\nChannel 1: may happen\n\nChannel 0: op...\n\nChannel 1: again. It may happen again. Because\n\nChannel 0: Yeah.\n\nChannel 1: I basically, you know, I'm just trying to control my employment. So rather than be a slave to them, which is it's a slave job, I'm just saying, oh,\n\nChannel 0: Mhmm.\n\nChannel 1: yeah. Maybe I can make that for you, or I can do this a little bit. And I'm sort of can work from home, and I have control of it, and I can control my hours as well as what else I'm doing. So\n\nChannel 0: Yes.\n\nChannel 1: I'm open to doing that because it just keeps me topping up and not\n\nChannel 0: Yeah.\n\nChannel 1: starving and all that kind of stuff. So...\n\nChannel 0: I\n\nChannel 1: Yeah.\n\nChannel 0: understand. Absolutely.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Given the small amount of money\n\nChannel 1: Yep.\n\nChannel 0: that you're gonna be receiving and it's ad hoc,\n\nChannel 1: Mhmm.\n\nChannel 0: it could be also a possibility to\n\nChannel 1: I'm just\n\nChannel 0: just\n\nChannel 1: starting one\n\nChannel 0: open\n\nChannel 1: up myself.\n\nChannel 0: open an industry fund that's low\n\nChannel 1: Yep.\n\nChannel 0: cost.\n\nChannel 1: Yep.\n\nChannel 0: And doing that. Once you decide to then... If... When you do return back to work, if you... If that's a discussion that you've had with Larissa down the track or it's just that you're whatever it is that your plans are, we can consolidate that down the track.\n\nChannel 1: Yeah.\n\nChannel 0: $400, when I look at fees for hub, it's essentially gonna be in that by hub immediately\n\nChannel 1: Yes.\n\nChannel 0: to have it in line with your pension. I couldn't see in the advice document that Larissa produced that it would be rolled back to super at all.\n\nChannel 1: Right.\n\nChannel 0: It's more that it's to suit your\n\nChannel 1: Right.\n\nChannel 0: retirement and your goals at the time. So if...\n\nChannel 1: Yeah.\n\nChannel 0: From a general perspective,\n\nChannel 1: Yeah.\n\nChannel 0: it... One of the industry funds is probably an option in\n\nChannel 1: Yeah.\n\nChannel 0: relation to small ad hoc contributions to be made that we can look at consolidating later if you... If... Once, you know, you've decided to stop\n\nChannel 1: What\n\nChannel 0: the\n\nChannel 1: I'm\n\nChannel 0: ad\n\nChannel 1: doing.\n\nChannel 0: hoc work. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Yeah. I'm pretty open... Up in the air at the moment. So, you know...\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. I'm trying to...\n\nChannel 0: And\n\nChannel 1: I'm\n\nChannel 0: I\n\nChannel 1: not\n\nChannel 0: think\n\nChannel 1: really\n\nChannel 0: that's\n\nChannel 1: retiring.\n\nChannel 0: I think that's probably why... Well, I think that's probably why Larissa's left it in pension phase because you have met the definition of retirement as such.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So that... So that's why there's no recommendation to roll back to accumulation phase, probably in light of what you just said, that it's all up in the air and\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: that\n\nChannel 1: It\n\nChannel 0: that\n\nChannel 1: is\n\nChannel 0: type\n\nChannel 1: what I\n\nChannel 0: of\n\nChannel 1: can\n\nChannel 0: thing.\n\nChannel 1: do.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. So... Okay. Well, we do have... I mean, there's a media super, and that's a that's an industry super fund that's tied to the industry.\n\nSo\n\nChannel 0: Yep.\n\nChannel 1: I know.\n\nChannel 0: Yep.\n\nChannel 1: And I've been with\n\nChannel 0: Okay.\n\nChannel 1: them before. So\n\nChannel 0: Mhmm.\n\nChannel 1: not that I'm sure that makes any difference whatsoever. They're like... I mean, I guess that's not hard to start up something like that. Is it? And does it...\n\nChannel 0: No. I believe I believe all of them are online these days. You just click open an\n\nChannel 1: Yep.\n\nChannel 0: account and follow the prompts. It's\n\nChannel 1: Yeah.\n\nChannel 0: pretty standard and simple, to be honest with you.\n\nChannel 1: Yep. Okay. Alright.\n\nChannel 0: Yeah.\n\nChannel 1: And so I'm not a 100% sure of the implications of having my retirement fund. Does that mean... But you still invest it invest it though, don't\n\nChannel 0: Oh,\n\nChannel 1: you?\n\nChannel 0: yes. It's\n\nChannel 1: Or...\n\nChannel 0: one\n\nChannel 1: Yeah.\n\nChannel 0: 100% invested. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: It's 100\n\nChannel 1: Okay.\n\nChannel 0: percent invested. So if I have a look at your portfolio, I'll just bring it up for you so I can have a look. It is most certainly invested.\n\nChannel 1: Yeah. Correct.\n\nChannel 0: Your... It... You've got your global and cyber assets that you're invested in along with some defensive components being your iShares bond. So that's the income producing defensive type part of your policy along with your global shares. But I note in the advice document that some of those investment options are presently being switched around to make sure that you're not in any funds that weren't advised on in the advice documents.\n\nSo I can see that\n\nChannel 1: Alright.\n\nChannel 0: there\n\nChannel 1: Right.\n\nChannel 0: is some transacting happening at the moment, but your portfolio\n\nChannel 1: Right.\n\nChannel 0: is most certainly invested.\n\nChannel 1: Okay. Great. Yep. Cool.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Alright.\n\nChannel 1: Okay.\n\nChannel 0: Can I\n\nChannel 1: Cool.\n\nChannel 0: can I help with anything else?\n\nChannel 1: I don't think I have anything else to be helped with.\n\nChannel 0: That's okay. As\n\nChannel 1: Sure.\n\nChannel 0: long as\n\nChannel 1: I\n\nChannel 0: I've\n\nChannel 1: I don't\n\nChannel 0: I've\n\nChannel 1: know.\n\nChannel 0: been that's... As long as I've been able to assist in answering the question,\n\nChannel 1: Yep.\n\nChannel 0: that that makes me happy. So\n\nChannel 1: Okay.\n\nChannel 0: as\n\nChannel 1: Yeah.\n\nChannel 0: long as\n\nChannel 1: No.\n\nChannel 0: I've\n\nChannel 1: That's...\n\nChannel 0: helped.\n\nChannel 1: Yeah. You've helped. It's okay. I'll I'll just do that. And so I know I sorta know where I know where I'm at.\n\nSo that's cool.\n\nChannel 0: Okay.\n\nChannel 1: And then I'll just... Yeah.\n\nChannel 0: I'll make sure that I give Larissa an update also so that\n\nChannel 1: Yep.\n\nChannel 0: she... Because she's on annual leave at the moment just so she's aware of what we talked about.\n\nChannel 1: Yep.\n\nChannel 0: And, yeah, she... She's on top of it also.\n\nChannel 1: Okay. No worries.\n\nChannel 0: Fantastic.\n\nChannel 1: Okay.\n\nChannel 0: Thanks\n\nChannel 1: Cool.\n\nChannel 0: thanks, Simon.\n\nChannel 1: No\n\nChannel 0: Enjoy\n\nChannel 1: worries.\n\nChannel 0: your\n\nChannel 1: Cheers.\n\nChannel 0: day.\n\nChannel 1: Thank you. You too.\n\nChannel 0: Okay.\n\nChannel 1: Okay.\n\nChannel 0: Bye.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.04,"end":1.54,"sentiment":"neutral","sentiment_score":0.02007521875202656}],"sentiment":"neutral","sentiment_score":0.02007521875202656,"channel":1,"num_words":1,"start":1.04,"end":1.54},{"sentences":[{"text":"Hi.","start":2.6399999,"end":2.96,"sentiment":"neutral","sentiment_score":0.04323726147413254},{"text":"Is this Simon?","start":2.96,"end":3.9399998,"sentiment":"neutral","sentiment_score":0.0413999172548453}],"sentiment":"neutral","sentiment_score":0.04185925330966711,"channel":0,"num_words":4,"start":2.6399999,"end":3.9399998},{"sentences":[{"text":"Yes.","start":4.16,"end":4.48,"sentiment":"neutral","sentiment_score":0.09256796538829803},{"text":"Speaking.","start":4.48,"end":4.98,"sentiment":"neutral","sentiment_score":0.1021369993686676}],"sentiment":"neutral","sentiment_score":0.09735248237848282,"channel":1,"num_words":2,"start":4.16,"end":4.98},{"sentences":[{"text":"Simon, it's Jenna here, phoning from Oakview Financial.","start":5.68,"end":8.42,"sentiment":"neutral","sentiment_score":0.1720585972070694},{"text":"How are you today?","start":8.48,"end":9.54,"sentiment":"neutral","sentiment_score":0.25136904418468475}],"sentiment":"neutral","sentiment_score":0.1984954128662745,"channel":0,"num_words":12,"start":5.68,"end":9.54},{"sentences":[{"text":"I'm alright, Jenna.","start":9.84,"end":10.88,"sentiment":"neutral","sentiment_score":0.29786379138628644},{"text":"How are you going?","start":10.88,"end":11.78,"sentiment":"positive","sentiment_score":0.3417866975069046}],"sentiment":"neutral","sentiment_score":0.32296259488378254,"channel":1,"num_words":7,"start":9.84,"end":11.78},{"sentences":[{"text":"I'm well.","start":12.48,"end":13.28,"sentiment":"positive","sentiment_score":0.43107908964157104},{"text":"Thank you.","start":13.28,"end":14.099999,"sentiment":"positive","sentiment_score":0.6044530868530273},{"text":"Just before I go any further, I do need to confirm that our calls are recorded for quality and coaching purposes.","start":14.724999,"end":20.724998,"sentiment":"neutral","sentiment_score":0.06622066011741048},{"text":"Is that okay?","start":20.724998,"end":21.625,"sentiment":"neutral","sentiment_score":0.06967772046724956}],"sentiment":"neutral","sentiment_score":0.13109754917344876,"channel":0,"num_words":28,"start":12.48,"end":21.625},{"sentences":[{"text":"Mhmm.","start":21.134998,"end":21.634998,"sentiment":"neutral","sentiment_score":0.009293653070926666},{"text":"Sure.","start":22.015,"end":22.515,"sentiment":"neutral","sentiment_score":0.03143387287855148},{"text":"Sure.","start":22.654999,"end":23.154999,"sentiment":"neutral","sentiment_score":0.02620585635304451}],"sentiment":"neutral","sentiment_score":0.02231112743417422,"channel":1,"num_words":3,"start":21.134998,"end":23.154999},{"sentences":[{"text":"And, Simon, what is your client 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representative from Oakview Financial contacts Simon to confirm his retirement plans and suggests options for consolidating contributions, including a casual work center. The customer is open to both options and the representative suggests looking at other options, such as a casual work agreement. The retirement plan is discussed and the agent explains that it is up in the air, with the option of consolidating contributions into a hub and possibly creating a new company. The call ends with the agent updating the customer on their retirement plan."},"intents":{"segments":[{"text":"Just before I go any further, I do need to confirm that our calls are recorded for quality and coaching purposes. Is that okay?","start_word":30,"end_word":53,"intents":[{"intent":"Confirm call recording","confidence_score":0.07029606}]},{"text":"There is the ability to establish a hub twenty four super fund Yeah.","start_word":661,"end_word":673,"intents":[{"intent":"Establish super fund","confidence_score":0.14139211}]},{"text":"There is the ability to establish a hub twenty four super fund Yeah. that is, fee wise, going to be an admin fee and account keeping fee so on, same as your pension. Yeah.","start_word":661,"end_word":694,"intents":[{"intent":"Clarify super benefits","confidence_score":0.0009567633}]},{"text":"In terms of super?","start_word":817,"end_word":820,"intents":[{"intent":"Confirm receipt of super","confidence_score":0.00038007516}]},{"text":"I've worked is about... The gross pay is about $4. So whatever super is what? 10% of that or something, I think? Yeah.","start_word":891,"end_word":913,"intents":[{"intent":"Clarify gross pay","confidence_score":0.21740258}]},{"text":"Yeah.","start_word":1135,"end_word":1135,"intents":[{"intent":"Consolidate retirement plan","confidence_score":0.007628151}]},{"text":"relation to small ad hoc contributions to be made that we can look at consolidating later if you... If... Once, you know, you've decided to stop What the I'm ad doing. hoc work. Yeah.","start_word":1218,"end_word":1251,"intents":[{"intent":"Consolidate contributions","confidence_score":0.42956647}]},{"text":"Yeah. I'm trying to... And I'm I not think really that's retiring. I think that's probably why... Well, I think that's probably why Larissa's left it in pension phase because you have met the definition of retirement as such. Yep.","start_word":1270,"end_word":1309,"intents":[{"intent":"Discuss retirement phase","confidence_score":0.08223875}]},{"text":"So that... So that's why there's no recommendation to roll back to accumulation phase, probably in light of what you just said, that it's all up in the air and Yeah.","start_word":1311,"end_word":1341,"intents":[{"intent":"Roll back to accumulation phase","confidence_score":0.047875635}]},{"text":"Well, we do have... I mean, there's a media super, and that's a that's an industry super fund that's tied to the industry. So Yep.","start_word":1358,"end_word":1382,"intents":[{"intent":"Start up media super fund","confidence_score":0.12324309}]},{"text":"I believe I believe all of them are online these days. You just click open an Yep. account and follow the prompts. It's Yeah.","start_word":1425,"end_word":1448,"intents":[{"intent":"Follow prompts","confidence_score":0.7729535}]},{"text":"I believe I believe all of them are online these days. You just click open an Yep. account and follow the prompts. It's Yeah. pretty standard and simple, to be honest with you. Yep. Okay. Alright. Yeah. And so I'm not a 100% sure of the implications of having my retirement fund. Does that mean... But you still invest it invest it though, don't Oh, you?","start_word":1425,"end_word":1490,"intents":[{"intent":"Set investment guidelines","confidence_score":0.0010586166}]},{"text":"And so I'm not a 100% sure of the implications of having my retirement fund.","start_word":1462,"end_word":1476,"intents":[{"intent":"Understand implications of retirement fund","confidence_score":0.069545664}]},{"text":"can I help with anything else? I don't think I have anything else to be helped with. That's okay.","start_word":1643,"end_word":1661,"intents":[{"intent":"Assist with investment","confidence_score":0.008024167}]},{"text":"I'll make sure that I give Larissa an update also so that Yep.","start_word":1734,"end_word":1746,"intents":[{"intent":"Provide update","confidence_score":0.25432104}]}]},"sentiments":{"segments":[{"text":"Hello? Hi. Is this Simon? Yes. Speaking. Simon, it's Jenna here, phoning from Oakview Financial. How are you today? I'm alright, Jenna.","start_word":0,"end_word":21,"sentiment":"neutral","sentiment_score":0.17630772292613983},{"text":"How are you going? I'm well. Thank you.","start_word":22,"end_word":29,"sentiment":"positive","sentiment_score":0.4295886158943176},{"text":"Just before I go any further, I do need to confirm that our calls are recorded for quality and coaching purposes. Is that okay? Mhmm. Sure. Sure. And, Simon, what is your client password? 5566. Lovely.","start_word":30,"end_word":65,"sentiment":"neutral","sentiment_score":0.05594661831855774},{"text":"Thank you for confirming.","start_word":66,"end_word":69,"sentiment":"positive","sentiment_score":0.4740978479385376},{"text":"I'm phoning today as you spoke with Whitlam yesterday Yep. about working casually and superannuation contributions, and you only have a pension account. So Yeah. you're unable to receive contributions. I think that's the case. That I is don't know. definitely... Yeah. That is the So case. Right. Okay. it is. I did a little Okay. bit of Mhmm. research before I jumped on the phone. So your... Because you retired, Okay. your superannuation fund was rolled to pension phase. So you could draw down the 20,000, which Yep. I believe is all still in progress being implemented at the moment. Oh, it's done. It's done?","start_word":70,"end_word":175,"sentiment":"neutral","sentiment_score":-0.036133766174316406},{"text":"Oh, fantastic.","start_word":176,"end_word":177,"sentiment":"positive","sentiment_score":0.34636133909225464},{"text":"Oh, well and truly. I I didn't say I didn't say that part in my notes, so Okay. I apologize Right. for that. That's okay. I don't know. So are you going to be working what's your intentions with working? Are you gonna keep working Well, I kind of... casually? Yeah. I've had this... I guess I've had this whole conversation with Larissa, I think it was, Yep. who sort of implemented it all. And it's Mhmm. essentially that I'm taking some time out from what I normally do. Mhmm. And because I reached 60, I sort Mhmm. of drew down some money so that it would enable me to not have to do what I normally do in terms of, you know, on wages. So I normally work in film and are sort of a short term contract by short term contract. Mhmm. So... Yeah. So that was so I can try and get my own film up, which I'm sort of in the process of doing. In the meantime, I sort of got asked by friends to do some work on their production. And I was gonna just do it on the invoice, but then I... It's very hard to do that in film. So they just put me on a short term contract, which is basically for, like, about eight days, which Oh, I... really? Which is what I've done. Yeah. And I basically did it and finished up yesterday. So that's two pay rounds. And then they went to put some money in, and they said... And I just gave my old super details, and they went, oh, you don't have a super account. And I was like, oh. No. And then they're all No. panicking because of the new legislation that says they have to put it in every week. So I was like, oh my god. Simon, what are you doing? So I don't know. What am I doing? Okay. I guess Yeah. it is it is completely up to you. There's a few options here. Yep. So I thought that she was only putting it in that pension account temporarily. That's it, what I understood from Larissa. And that then once... And that was to bypass capital gains tax. And then once that was done, that it would go back into something else. Yeah. So Yeah. because because you met the retirement definition, that's Yep. why it's in pension phase.","start_word":178,"end_word":584,"sentiment":"neutral","sentiment_score":-0.0311527215402015},{"text":"While it is in pension phase, it's actually great because the gross and income is tax free.","start_word":585,"end_word":601,"sentiment":"positive","sentiment_score":0.4282597303390503},{"text":"Yeah. So there's a couple of options there. I wouldn't want to speculate on what Larissa's future plans are in advice for Yeah. for you personally because she's much more rest of your personal financial situation and goals than I am. What... There's a couple of options we can look at doing Yeah. or you can look at doing. There is the ability to establish a hub twenty four super fund Yeah. that is, fee wise, going to be an admin fee and account keeping fee so on, same as your pension. Yeah. The people you worked for potentially have an employ... A superannuation fund that they can establish for you on your behalf and contribute to that. Right. Possibly probably not. Probably not. That's okay. Well, yeah. It's just that they, you know, like, each production starts a company Is... and they Yeah. start a Yep. greenfield agreement and then they shoot and they finish the production and then they no longer exist anymore. And then they they work for another company, you know, and they start a new company. Yeah. So Yeah. Yeah. I there's understand. no continuity whatsoever. Yeah. I absolutely understand. Yep. The other option would be given the casual work and... Do you know how much it is you're receiving? In terms of super? Yeah. From the employer for the recent casual work? Hang on. I can just look that up briefly. Just give me a sec. No. You're fine. Yeah. Okay. At this stage... Oh, it's not on their course because I haven't put any No. That's fine. in. I just looked at the page there. Yeah. So... Yeah. I Absolute. mean, That's gross, fine. it's like... Say gross for that. What Yep. I've worked is about... The gross pay is about $4. So whatever super is what? 10% of that or something, I think? Yeah. Yep. That'd Yep. be So about about $400. four hundred dollars. Yeah. Yep. And The it other may happen op... again. It may happen again. Because Yeah. I basically, you know, I'm just trying to control my employment. So rather than be a slave to them, which is it's a slave job, I'm just saying, oh, Mhmm. yeah.","start_word":602,"end_word":971,"sentiment":"neutral","sentiment_score":0.01282150539745753},{"text":"Maybe I can make that for you, or I can do this a little bit. And I'm sort of can work from home, and I have control of it, and I can control my hours as well as what else I'm doing.","start_word":972,"end_word":1013,"sentiment":"positive","sentiment_score":0.3609426617622375},{"text":"So Yes. I'm open to doing that because it just keeps me topping up and not Yeah. starving and all that kind of stuff. So... I Yeah. understand. Absolutely. Mhmm. Yep. Given the small amount of money Yep. that you're gonna be receiving and it's ad hoc, Mhmm. it could be also a possibility to I'm just just starting one open up myself. open an industry fund that's low Yep. cost. Yep. And doing that. Once you decide to then... If... When you do return back to work, if you... If that's a discussion that you've had with Larissa down the track or it's just that you're whatever it is that your plans are, we can consolidate that down the track. Yeah. $400, when I look at fees for hub, it's essentially gonna be in that by hub immediately Yes. to have it in line with your pension. I couldn't see in the advice document that Larissa produced that it would be rolled back to super at all. Right. It's more that it's to suit your Right. retirement and your goals at the time. So if... Yeah. From a general perspective, Yeah. it... One of the industry funds is probably an option in Yeah. relation to small ad hoc contributions to be made that we can look at consolidating later if you... If... Once, you know, you've decided to stop What the I'm ad doing. hoc work. Yeah. Yeah. Yep. Yeah. Yeah. I'm pretty open... Up in the air at the moment. So, you know... Yeah. Yeah. I'm trying to... And I'm I not think really that's retiring. I think that's probably why... Well, I think that's probably why Larissa's left it in pension phase because you have met the definition of retirement as such. Yep. Yep. So that... So that's why there's no recommendation to roll back to accumulation phase, probably in light of what you just said, that it's all up in the air and Yeah. Yeah. that It that is type what I of can thing. do. Yeah. Okay. So... Okay. Well, we do have... I mean, there's a media super, and that's a that's an industry super fund that's tied to the industry. So Yep. I know. Yep. And I've been with Okay. them before. So Mhmm. not that I'm sure that makes any difference whatsoever. They're like... I mean, I guess that's not hard to start up something like that. Is it? And does it... No. I believe I believe all of them are online these days. You just click open an Yep. account and follow the prompts. It's Yeah. pretty standard and simple, to be honest with you. Yep. Okay. Alright. Yeah. And so I'm not a 100% sure of the implications of having my retirement fund. Does that mean... But you still invest it invest it though, don't Oh, you? yes. It's Or... one Yeah. 100% invested. Yeah. Yeah. Yeah. Yeah. It's 100 Okay. percent invested. So if I have a look at your portfolio, I'll just bring it up for you so I can have a look. It is most certainly invested. Yeah. Correct. Your... It... You've got your global and cyber assets that you're invested in along with some defensive components being your iShares bond. So that's the income producing defensive type part of your policy along with your global shares. But I note in the advice document that some of those investment options are presently being switched around to make sure that you're not in any funds that weren't advised on in the advice documents. So I can see that Alright. there Right. is some transacting happening at the moment, but your portfolio Right. is most certainly invested. Okay.","start_word":1014,"end_word":1632,"sentiment":"neutral","sentiment_score":0.043185878942249664},{"text":"Great.","start_word":1633,"end_word":1633,"sentiment":"positive","sentiment_score":0.47380465269088745},{"text":"Yep.","start_word":1634,"end_word":1634,"sentiment":"neutral","sentiment_score":0.3201274573802948},{"text":"Cool.","start_word":1635,"end_word":1635,"sentiment":"positive","sentiment_score":0.40133845806121826},{"text":"Yeah. Yep. Alright. Okay. Can I Cool. can I help with anything else? I don't think I have anything else to be helped with. That's okay. As Sure. long as I I've I don't I've know. been that's... As long as I've been able to assist in answering the question, Yep.","start_word":1636,"end_word":1686,"sentiment":"neutral","sentiment_score":0.09682396054267885},{"text":"that that makes me happy.","start_word":1687,"end_word":1691,"sentiment":"positive","sentiment_score":0.41110342741012573},{"text":"So Okay. as Yeah. long as No. I've That's... helped. Yeah. You've helped. It's okay. I'll I'll just do that. And so I know I sorta know where I know where I'm at.","start_word":1692,"end_word":1724,"sentiment":"neutral","sentiment_score":0.15378351509571075},{"text":"So that's cool.","start_word":1725,"end_word":1727,"sentiment":"positive","sentiment_score":0.3609468340873718},{"text":"Okay. And then I'll just... Yeah. I'll make sure that I give Larissa an update also so that Yep. she... Because she's on annual leave at the moment just so she's aware of what we talked about. Yep. And, yeah, she... She's on top of it also. Okay. No worries.","start_word":1728,"end_word":1777,"sentiment":"neutral","sentiment_score":0.0704137310385704},{"text":"Fantastic. Okay. Thanks Cool. thanks, Simon.","start_word":1778,"end_word":1783,"sentiment":"positive","sentiment_score":0.4728087782859802},{"text":"No Enjoy worries.","start_word":1784,"end_word":1786,"sentiment":"neutral","sentiment_score":0.08765562623739243},{"text":"your Cheers. day. Thank you. You too.","start_word":1787,"end_word":1793,"sentiment":"positive","sentiment_score":0.5893006324768066},{"text":"Okay. Okay. Bye. Bye. Bye.","start_word":1794,"end_word":1798,"sentiment":"neutral","sentiment_score":0.1820608377456665}],"average":{"sentiment":"neutral","sentiment_score":0.04291636129771174}}}}