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My previous meeting was just run running running a little bit later. I had you booked in for a bit of a catch up. Is now still a good time for you? No. No. That's okay. No. Just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you? Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Perfect. Yep. Perfect. That's exactly what I have here. Now I can see that you were kind of booked in to talk a little bit in regards to estate planning, Also, also from your mom's point of view. Is that correct? Yeah. Now, obviously, because I don't know anything about your mom, I can't obviously give direct advice, and I can obviously provide you with some general information in the scenarios. And, obviously, I'm not a a lawyer, so I can't give you legal advice, but, again, can kind of, you know, point out kind of the rules and stuff like that for you, just so you know. Yeah. Now, I guess, what is it mainly that you guys are thinking about or the complexities around things? I'm sorry to hear that. Yep. Mhmm. Mhmm. Yep. Yep. Yep. Like the age pension? Yep. Mhmm. Mhmm. Mhmm. Mhmm. Yes. So, essentially, do you know which type of nomination it was? Was it, like, a a binding, nonbinding? Do you know? Mhmm. No. That's okay. Yeah. And do you know if his super was sitting in a pension phase or accumulation phase? Do you know? Was it like Mhmm. Was it as a was he receiving, like, an income stream from it, or was it sitting in, like, a mhmm. Okay. Okay. Okay. Okay. So probably accumulation phase. And he wasn't withdrawing anything from from his sofa? No. Okay. And how old is your mom? Good question. 71. Yeah. Perfect. So, yeah, it it there is a bit of, I guess, complexities to it. So she can deny it. So even though it was a binding ops option going through her, she can still decide to not accept it if she wants to. If she doesn't, though, it would mean that it would probably go to the estate. And then in the estate, if you say that there is a will in place, the other things that can factor into how the money would be distributed. But it would kind of be obviously then up to the whole estate splitting on how that would be. And, obviously, people can come forth of trying to make a claim for it. So whether that is yourself and your siblings or there is obviously a potential risk for other people trying to make a claim. If there is a will in place stipulating other distribution of assets, that is obviously stronger, but there is obviously that bit of a risk to it. If it is distributed through children over 18, and if there is no like, you guys, none of those siblings are studying or there is a, you know, disability because there's slightly different rules around that. Otherwise, if all children are over 18, irrespective of how you receive it, whether that's a direct nomination or through the will, you will have to pay tax. Now that is up to 30% and then 2% medical levy surcharge for the untaxed component. The tax elements, yeah, is 15 plus No. No. You don't you don't get taxed on inheritance. It's just what you do with it depending on what you do. But, like, if you receive an inheritance, if that is super contribution or life insurance policy payout, whatever it might be, you don't pay tax on it. Just when you receive it, you will pay tax because you are a taxable dependent under it. So Up to 30 sorry. It's about 30 through, including the medical levy surcharge for the untax components. That will be for each or each of each of you if you're over 18. And then if he has a tax element, it will be 15 plus the Medicare. But most of the time, the biggest component will sit in a in an untaxed component, like, from contributions and stuff like that. So it will be, yeah, up to 32% that each of you will have to pay on the benefit if you receive it directly from super. Now if it is paid to your mom and she was the spouse, it's tax free. She can then obviously distribute it however she wants. The the sticky point is obviously, like you said, her age pension. Because if she receives the money directly, then it will count under the asset test, under Centrelink assessment. Now even if she she receives it today and tomorrow she gives it to you guys, it will still count for five years that she has it even though she doesn't. Now, obviously, the how much it affects depends on, obviously, her assets and her income. And if she's, you know, a home owner or non homeowner, there is different rules for how much. Also, is is she still working? Your mom? Yeah. Because it would also then kind of depend on affecting it from a Centrelink point of view is if she just gets the super transferred directly into her super in an accumulation phase, it doesn't affect the Centrelink. But if it's in a pension phase, it will. And there is certain age requirements as well where you have to start drawing things. And if she's not working and drawing a bit of an income from the super, then I imagine that most of that will fit in a pension fee. Yeah. So, yeah, there is obviously a bit to think about. It will potentially does impact her age pension depending on how much it is. Do you know how much it is? Okay. Yeah. Okay. And does she own a home? Do you know? Yeah. Okay. Yep. Yeah. Because in under the asset center and test, if you are a single homeowner, it's starts getting assessed if you get to 330 321,500, but that's also including any other assets. So if you like a car or anything like that. So it definitely will obviously impact to some way if she receives it directly. Yeah. Then the other side is if she denies it and it goes to the estate and you guys will receive it, then you will have to pay tax on it. I can pop all of this kind of in a general email for you if you would like because I know it's probably a lot to kind of take in this. And, yeah, it it is obviously, yeah, a bit complex, especially when it comes through inheriting stuff. Well, it depends on the stuff like that. So I'll put I'll put a couple of links and stuff, and I'll put it in an email for you. Otherwise, I can also like, there is a lot of people at Centrelink that will be able to assist her as well in in determining things. But if it is that she wants a bit more, like, if she would like financial advice and how to go with it and exactly how much is going to impact her age pension and and different strategies to potentially minimize that. If it is that she will receive it, then if she is interested, I will be more than happy to get a team to reach out to her and see if we can have a bit of a chat to her and come up with some strategies and stuff for her if it is something that she is interested in in looking at exploring further and getting proper financial advice for it. Do you know if that's something she would be interested in, or you just have to maybe have a bit of a chat to her? Yeah. Yep. Okay. Yep. Yeah. Yeah. Have you already engaged in his services? Mhmm. Okay. Okay. Mhmm. Okay. Yeah. Would you like me to send you I mean, if you already work from them, it can be tricky. But would you like me to send you in the email a contact detail of one of the lawyers that we work very closely with if you want a a second opinion on things? Yeah. Yeah. I will send you their their pricing guide as well. Most of it is just to set up a will and stuff like that. You can always just give them a call and have a bit of a chat to them first, obviously, and see what they say. And then if you do talk to your mom and she would kind of want a bit more, I guess, financial advice on, okay, how to do with the money to tryna maximize the age pension and what to do if it is that you go down that way. You can even just respond to the email with her best phone number, contact time, whether whether that is contacting you and you are with her, then we are more than happy to do talk to her as well if it is something she is interested in afterwards as well. Yeah. So, yeah, I will work on this email for you. It might not be today, and I'm not in the office tomorrow. I will try today. If not, it will be Monday, if that's okay. Yep. Perfect. Do you have any other questions, or was there anything else that you kind of needed from me today? That's it? Yeah. Okay. Perfect. If you do think of anything else, you can either just respond to the email directly or call the office, and we can always have, you know, another conversation as well. Yeah. Perfect. No. That is no problem at all, Anthony. I hope you enjoy the rest of your day. And like I said, if there's anything else you need, obviously, throughout this, just don't hesitate to give me a call. No problem at all. We'll speak soon. 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morning. Is this Anthony? This is Veronica from IQ Financial. How are you this morning? Yeah.\n\nGood. Thanks. Apologies. I'm running a couple of minutes late. My previous meeting was just run running running a little bit later.\n\nI had you booked in for a bit of a catch up. Is now still a good time for you? No. No. That's okay.\n\nNo. Just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you? Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?\n\nYep. Perfect. Yep. Perfect. That's exactly what I have here.\n\nNow I can see that you were kind of booked in to talk a little bit in regards to estate planning, Also, also from your mom's point of view. Is that correct? Yeah. Now, obviously, because I don't know anything about your mom, I can't obviously give direct advice, and I can obviously provide you with some general information in the scenarios. And, obviously, I'm not a a lawyer, so I can't give you legal advice, but, again, can kind of, you know, point out kind of the rules and stuff like that for you, just so you know.\n\nYeah. Now, I guess, what is it mainly that you guys are thinking about or the complexities around things? I'm sorry to hear that. Yep. Mhmm.\n\nMhmm. Yep. Yep. Yep. Like the age pension?\n\nYep. Mhmm. Mhmm. Mhmm. Mhmm.\n\nYes. So, essentially, do you know which type of nomination it was? Was it, like, a a binding, nonbinding? Do you know? Mhmm.\n\nNo. That's okay. Yeah. And do you know if his super was sitting in a pension phase or accumulation phase? Do you know?\n\nWas it like Mhmm. Was it as a was he receiving, like, an income stream from it, or was it sitting in, like, a mhmm. Okay. Okay. Okay.\n\nOkay. So probably accumulation phase. And he wasn't withdrawing anything from from his sofa? No. Okay.\n\nAnd how old is your mom? Good question. 71. Yeah. Perfect.\n\nSo, yeah, it it there is a bit of, I guess, complexities to it. So she can deny it. So even though it was a binding ops option going through her, she can still decide to not accept it if she wants to. If she doesn't, though, it would mean that it would probably go to the estate. And then in the estate, if you say that there is a will in place, the other things that can factor into how the money would be distributed.\n\nBut it would kind of be obviously then up to the whole estate splitting on how that would be. And, obviously, people can come forth of trying to make a claim for it. So whether that is yourself and your siblings or there is obviously a potential risk for other people trying to make a claim. If there is a will in place stipulating other distribution of assets, that is obviously stronger, but there is obviously that bit of a risk to it. If it is distributed through children over 18, and if there is no like, you guys, none of those siblings are studying or there is a, you know, disability because there's slightly different rules around that.\n\nOtherwise, if all children are over 18, irrespective of how you receive it, whether that's a direct nomination or through the will, you will have to pay tax. Now that is up to 30% and then 2% medical levy surcharge for the untaxed component. The tax elements, yeah, is 15 plus No. No. You don't you don't get taxed on inheritance.\n\nIt's just what you do with it depending on what you do. But, like, if you receive an inheritance, if that is super contribution or life insurance policy payout, whatever it might be, you don't pay tax on it. Just when you receive it, you will pay tax because you are a taxable dependent under it. So Up to 30 sorry. It's about 30 through, including the medical levy surcharge for the untax components.\n\nThat will be for each or each of each of you if you're over 18. And then if he has a tax element, it will be 15 plus the Medicare. But most of the time, the biggest component will sit in a in an untaxed component, like, from contributions and stuff like that. So it will be, yeah, up to 32% that each of you will have to pay on the benefit if you receive it directly from super. Now if it is paid to your mom and she was the spouse, it's tax free.\n\nShe can then obviously distribute it however she wants. The the sticky point is obviously, like you said, her age pension. Because if she receives the money directly, then it will count under the asset test, under Centrelink assessment. Now even if she she receives it today and tomorrow she gives it to you guys, it will still count for five years that she has it even though she doesn't. Now, obviously, the how much it affects depends on, obviously, her assets and her income.\n\nAnd if she's, you know, a home owner or non homeowner, there is different rules for how much. Also, is is she still working? Your mom? Yeah. Because it would also then kind of depend on affecting it from a Centrelink point of view is if she just gets the super transferred directly into her super in an accumulation phase, it doesn't affect the Centrelink.\n\nBut if it's in a pension phase, it will. And there is certain age requirements as well where you have to start drawing things. And if she's not working and drawing a bit of an income from the super, then I imagine that most of that will fit in a pension fee. Yeah. So, yeah, there is obviously a bit to think about.\n\nIt will potentially does impact her age pension depending on how much it is. Do you know how much it is? Okay. Yeah. Okay.\n\nAnd does she own a home? Do you know? Yeah. Okay. Yep.\n\nYeah. Because in under the asset center and test, if you are a single homeowner, it's starts getting assessed if you get to 330 321,500, but that's also including any other assets. So if you like a car or anything like that. So it definitely will obviously impact to some way if she receives it directly. Yeah.\n\nThen the other side is if she denies it and it goes to the estate and you guys will receive it, then you will have to pay tax on it. I can pop all of this kind of in a general email for you if you would like because I know it's probably a lot to kind of take in this. And, yeah, it it is obviously, yeah, a bit complex, especially when it comes through inheriting stuff. Well, it depends on the stuff like that. So I'll put I'll put a couple of links and stuff, and I'll put it in an email for you.\n\nOtherwise, I can also like, there is a lot of people at Centrelink that will be able to assist her as well in in determining things. But if it is that she wants a bit more, like, if she would like financial advice and how to go with it and exactly how much is going to impact her age pension and and different strategies to potentially minimize that. If it is that she will receive it, then if she is interested, I will be more than happy to get a team to reach out to her and see if we can have a bit of a chat to her and come up with some strategies and stuff for her if it is something that she is interested in in looking at exploring further and getting proper financial advice for it. Do you know if that's something she would be interested in, or you just have to maybe have a bit of a chat to her? Yeah.\n\nYep. Okay. Yep. Yeah. Yeah.\n\nHave you already engaged in his services? Mhmm. Okay. Okay. Mhmm.\n\nOkay. Yeah. Would you like me to send you I mean, if you already work from them, it can be tricky. But would you like me to send you in the email a contact detail of one of the lawyers that we work very closely with if you want a a second opinion on things? Yeah.\n\nYeah. I will send you their their pricing guide as well. Most of it is just to set up a will and stuff like that. You can always just give them a call and have a bit of a chat to them first, obviously, and see what they say. And then if you do talk to your mom and she would kind of want a bit more, I guess, financial advice on, okay, how to do with the money to tryna maximize the age pension and what to do if it is that you go down that way.\n\nYou can even just respond to the email with her best phone number, contact time, whether whether that is contacting you and you are with her, then we are more than happy to do talk to her as well if it is something she is interested in afterwards as well. Yeah. So, yeah, I will work on this email for you. It might not be today, and I'm not in the office tomorrow. I will try today.\n\nIf not, it will be Monday, if that's okay. Yep. Perfect. Do you have any other questions, or was there anything else that you kind of needed from me today? That's it?\n\nYeah. Okay. Perfect. If you do think of anything else, you can either just respond to the email directly or call the office, and we can always have, you know, another conversation as well. Yeah.\n\nPerfect. No. That is no problem at all, Anthony. I hope you enjoy the rest of your day. And like I said, if there's anything else you need, obviously, throughout this, just don't hesitate to give me a call.\n\nNo problem at all. We'll speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":4.64,"end":5.12,"sentiment":"neutral","sentiment_score":0.2516784742474556},{"text":"Is this Anthony?","start":5.12,"end":5.94,"sentiment":"neutral","sentiment_score":0.13723345597585043},{"text":"This is Veronica from IQ Financial.","start":7.68,"end":9.7,"sentiment":"neutral","sentiment_score":0.22547544787327448},{"text":"How are you this 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later.","start":16.015,"end":19.475,"sentiment":"neutral","sentiment_score":0.01082968603198727}],"sentiment":"neutral","sentiment_score":0.015499606305225328,"num_words":22,"start":12.495,"end":19.475},{"sentences":[{"text":"I had you booked in for a bit of a catch up.","start":20.654999,"end":22.895,"sentiment":"neutral","sentiment_score":0.10559168892602126},{"text":"Is now still a good time for you?","start":22.895,"end":24.54,"sentiment":"neutral","sentiment_score":0.1759665384888649},{"text":"No.","start":28.86,"end":29.36,"sentiment":"neutral","sentiment_score":-0.13504579663276672},{"text":"No.","start":29.980001,"end":30.140001,"sentiment":"neutral","sentiment_score":-0.12583918869495392},{"text":"That's okay.","start":30.140001,"end":30.960001,"sentiment":"neutral","sentiment_score":-0.07491123676300049}],"sentiment":"neutral","sentiment_score":0.09433854650706053,"num_words":24,"start":20.654999,"end":30.960001},{"sentences":[{"text":"No.","start":31.5,"end":31.740002,"sentiment":"neutral","sentiment_score":-0.052647724747657776},{"text":"Just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you?","start":31.740002,"end":38.96,"sentiment":"neutral","sentiment_score":-0.01479853925605615},{"text":"Yep.","start":39.945,"end":40.345,"sentiment":"neutral","sentiment_score":0.11156393587589264},{"text":"Perfect.","start":40.345,"end":40.845,"sentiment":"neutral","sentiment_score":0.3120684027671814},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":40.985,"end":47.245,"sentiment":"neutral","sentiment_score":0.11843130938135661}],"sentiment":"neutral","sentiment_score":0.05095326237506786,"num_words":59,"start":31.5,"end":47.245},{"sentences":[{"text":"Yep.","start":55.8,"end":56.28,"sentiment":"neutral","sentiment_score":0.04317043721675873},{"text":"Perfect.","start":56.28,"end":56.78,"sentiment":"neutral","sentiment_score":0.18248887360095975},{"text":"Yep.","start":57.32,"end":57.72,"sentiment":"neutral","sentiment_score":0.17088183760643005},{"text":"Perfect.","start":57.72,"end":58.04,"sentiment":"positive","sentiment_score":0.4300146698951721},{"text":"That's exactly what I have here.","start":58.04,"end":59.9,"sentiment":"positive","sentiment_score":0.4466797858476639}],"sentiment":"positive","sentiment_score":0.3506634533405304,"num_words":10,"start":55.8,"end":59.9},{"sentences":[{"text":"Now I can see that you were kind of booked in to talk a little bit in regards to estate planning, Also, also from your mom's point of view.","start":60.68,"end":69.825,"sentiment":"neutral","sentiment_score":0.08799440593555055},{"text":"Is that correct?","start":69.825,"end":70.645,"sentiment":"neutral","sentiment_score":0.07121789207061131},{"text":"Yeah.","start":72.465,"end":72.965,"sentiment":"neutral","sentiment_score":0.013068189844489098},{"text":"Now, obviously, because I don't know anything about your mom, I can't obviously give direct advice, and I can obviously provide you with some general information in the scenarios.","start":73.905,"end":82.96,"sentiment":"neutral","sentiment_score":-0.026131012637553543},{"text":"And, obviously, I'm not a a lawyer, so I can't give you legal advice, but, again, can kind of, you know, point out kind of the rules and stuff like that for you, just so you 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that.","start":108.759995,"end":109.979996,"sentiment":"neutral","sentiment_score":-0.27959670424461364},{"text":"Yep.","start":118.615,"end":119.115,"sentiment":"neutral","sentiment_score":0.05457150191068649},{"text":"Mhmm.","start":131.03,"end":131.53,"sentiment":"neutral","sentiment_score":-0.1420164406299591}],"sentiment":"neutral","sentiment_score":-0.09662041003600909,"num_words":26,"start":93.945,"end":131.53},{"sentences":[{"text":"Mhmm.","start":144.80501,"end":145.30501,"sentiment":"neutral","sentiment_score":0.014304430224001408},{"text":"Yep.","start":149.52501,"end":150.02501,"sentiment":"neutral","sentiment_score":0.16922621428966522},{"text":"Yep.","start":154.1,"end":154.42,"sentiment":"neutral","sentiment_score":0.07540299743413925},{"text":"Yep.","start":154.42,"end":154.92,"sentiment":"neutral","sentiment_score":0.07925783097743988},{"text":"Like the age 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essentially, do you know which type of nomination it was?","start":194.555,"end":198.875,"sentiment":"neutral","sentiment_score":0.004924489862539552},{"text":"Was it, like, a a binding, nonbinding?","start":198.875,"end":201.135,"sentiment":"neutral","sentiment_score":-0.016141714262110845},{"text":"Do you know?","start":201.435,"end":202.25499,"sentiment":"neutral","sentiment_score":-0.025007749597231548},{"text":"Mhmm.","start":208.06,"end":208.46,"sentiment":"neutral","sentiment_score":-0.026727773249149323}],"sentiment":"neutral","sentiment_score":-0.005940460397497467,"num_words":23,"start":193.275,"end":208.46},{"sentences":[{"text":"No.","start":208.46,"end":208.70001,"sentiment":"neutral","sentiment_score":-0.14297893643379211},{"text":"That's okay.","start":208.70001,"end":209.44,"sentiment":"neutral","sentiment_score":-0.07411191985011101},{"text":"Yeah.","start":209.58,"end":210.08,"sentiment":"neutral","sentiment_score":-0.024089686572551727},{"text":"And do you know if his super was sitting in a pension phase or accumulation phase?","start":210.86,"end":215.44,"sentiment":"neutral","sentiment_score":-0.03150676132645458},{"text":"Do you know?","start":216.25499,"end":216.915,"sentiment":"neutral","sentiment_score":-0.033877658347288765}],"sentiment":"neutral","sentiment_score":-0.04004493995529154,"num_words":23,"start":208.46,"end":216.915},{"sentences":[{"text":"Was it like Mhmm.","start":217.69499,"end":219.215,"sentiment":"neutral","sentiment_score":-0.04192824102938175},{"text":"Was it as a was he receiving, like, an income stream from it, or was it sitting in, like, a 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sofa?","start":241.97499,"end":245.03499,"sentiment":"neutral","sentiment_score":-0.04432107280525896},{"text":"No.","start":246.855,"end":247.33499,"sentiment":"neutral","sentiment_score":-0.0996624082326889},{"text":"Okay.","start":247.33499,"end":247.81499,"sentiment":"neutral","sentiment_score":-0.03268495202064514}],"sentiment":"neutral","sentiment_score":-0.03101497911848128,"num_words":16,"start":239.54999,"end":247.81499},{"sentences":[{"text":"And how old is your mom?","start":247.81499,"end":249.595,"sentiment":"neutral","sentiment_score":-0.05169260812302431},{"text":"Good question.","start":254.31,"end":254.97,"sentiment":"neutral","sentiment_score":0.06177535653114319},{"text":"71.","start":256.38998,"end":257.35,"sentiment":"neutral","sentiment_score":0.00619587954133749},{"text":"Yeah.","start":257.35,"end":257.85,"sentiment":"neutral","sentiment_score":0.05764204636216163},{"text":"Perfect.","start":257.99,"end":258.49,"sentiment":"positive","sentiment_score":0.35674571990966797}],"sentiment":"neutral","sentiment_score":0.02127079183066433,"num_words":11,"start":247.81499,"end":258.49},{"sentences":[{"text":"So, yeah, it it there is a bit of, I guess, complexities to it.","start":259.27,"end":262.87,"sentiment":"neutral","sentiment_score":-0.10887213477066585},{"text":"So she can deny it.","start":262.87,"end":266.585,"sentiment":"neutral","sentiment_score":-0.1423542782664299},{"text":"So even though it was a binding ops option going through her, she can still decide to not accept it if she wants to.","start":267.365,"end":277.305,"sentiment":"neutral","sentiment_score":-0.22272990085184574},{"text":"If she doesn't, though, it would mean that it would probably go to the estate.","start":278.34,"end":283.4,"sentiment":"neutral","sentiment_score":-0.2504889965057373},{"text":"And then in the estate, if you say that there is a will in place, the other things that can factor into how the money would be distributed.","start":284.18,"end":291.175,"sentiment":"neutral","sentiment_score":-0.10381132271140814}],"sentiment":"neutral","sentiment_score":-0.16564594048920067,"num_words":86,"start":259.27,"end":291.175},{"sentences":[{"text":"But it would kind of be obviously then up to the whole estate splitting on how that would be.","start":292.35498,"end":297.555,"sentiment":"neutral","sentiment_score":-0.21455781789202438},{"text":"And, obviously, people can come forth of trying to make a claim for 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that.","start":317.11002,"end":330.235,"sentiment":"neutral","sentiment_score":-0.28875812598400646}],"sentiment":"neutral","sentiment_score":-0.30672056597320974,"num_words":119,"start":292.35498,"end":330.235},{"sentences":[{"text":"Otherwise, if all children are over 18, irrespective of how you receive it, whether that's a direct nomination or through the will, you will have to pay tax.","start":330.375,"end":338.61,"sentiment":"neutral","sentiment_score":-0.2213531362691096},{"text":"Now that is up to 30% and then 2% medical levy surcharge for the untaxed component.","start":339.07,"end":345.97,"sentiment":"neutral","sentiment_score":-0.10541389556601644},{"text":"The tax elements, yeah, is 15 plus No.","start":346.69498,"end":358.63498,"sentiment":"neutral","sentiment_score":-0.06493669294286519},{"text":"No.","start":358.84,"end":359.16,"sentiment":"negative","sentiment_score":-0.34985387325286865},{"text":"You don't you don't get taxed on inheritance.","start":359.16,"end":361.41998,"sentiment":"neutral","sentiment_score":-0.31947222352027893}],"sentiment":"neutral","sentiment_score":-0.18540385818933366,"num_words":61,"start":330.375,"end":361.41998},{"sentences":[{"text":"It's just what you do with it depending on what you do.","start":362.19998,"end":365.63998,"sentiment":"neutral","sentiment_score":-0.05318215365211169},{"text":"But, like, if you receive an inheritance, if that is super contribution or life insurance policy payout, whatever it might be, you don't pay tax on it.","start":365.63998,"end":374.605,"sentiment":"neutral","sentiment_score":-0.07682465196207718},{"text":"Just when you receive it, you will pay tax because you are a taxable dependent under it.","start":374.665,"end":380.605,"sentiment":"neutral","sentiment_score":-0.1542479452841422},{"text":"So Up to 30 sorry.","start":382.665,"end":385.305,"sentiment":"neutral","sentiment_score":0.06343365907669067},{"text":"It's about 30 through, including the medical levy surcharge for the untax components.","start":385.305,"end":389.46,"sentiment":"neutral","sentiment_score":0.07472518888803628}],"sentiment":"neutral","sentiment_score":-0.054676631968971844,"num_words":74,"start":362.19998,"end":389.46},{"sentences":[{"text":"That will be for each or each of each of you if you're over 18.","start":389.46,"end":392.52,"sentiment":"neutral","sentiment_score":0.09217928995688757},{"text":"And then if he has a tax element, it will be 15 plus the Medicare.","start":392.97998,"end":397.22,"sentiment":"neutral","sentiment_score":0.047717268019914626},{"text":"But most of the time, the biggest component will sit in a in an untaxed component, like, from contributions and stuff like that.","start":397.22,"end":405.435,"sentiment":"neutral","sentiment_score":-0.012466642195763796},{"text":"So it will be, yeah, up to 32% that each of you will have to pay on the benefit if you receive it directly from super.","start":405.575,"end":413.995,"sentiment":"neutral","sentiment_score":0.13321214742385423},{"text":"Now if it is paid to your mom and she was the spouse, it's tax free.","start":414.455,"end":421.08,"sentiment":"neutral","sentiment_score":0.19958305964246392}],"sentiment":"neutral","sentiment_score":0.08914274090999051,"num_words":95,"start":389.46,"end":421.08},{"sentences":[{"text":"She can then obviously distribute it however she wants.","start":421.53998,"end":425.08,"sentiment":"neutral","sentiment_score":0.328061130311754},{"text":"The the sticky point is obviously, like you said, her age pension.","start":425.78,"end":430.18,"sentiment":"neutral","sentiment_score":0.03886307775974274},{"text":"Because if she receives the money directly, then it will count under the asset test, under Centrelink assessment.","start":430.18,"end":438.82498,"sentiment":"neutral","sentiment_score":0.10444807385404904},{"text":"Now even if she she receives it today and tomorrow she gives it to you guys, it will still count for five years that she has it even though she doesn't.","start":439.205,"end":448.97998,"sentiment":"neutral","sentiment_score":0.18537649560359218},{"text":"Now, obviously, the how much it affects depends on, obviously, her assets and her income.","start":451.84,"end":457.905,"sentiment":"neutral","sentiment_score":-0.05656809657812119}],"sentiment":"neutral","sentiment_score":0.11996614529806025,"num_words":85,"start":421.53998,"end":457.905},{"sentences":[{"text":"And if she's, you know, a home owner or non homeowner, there is different rules for how much.","start":457.905,"end":464.885,"sentiment":"neutral","sentiment_score":-0.06448964402079582},{"text":"Also, is is she still working?","start":466.54498,"end":468.485,"sentiment":"neutral","sentiment_score":-0.08755009869734447},{"text":"Your mom?","start":471.2,"end":472.02002,"sentiment":"neutral","sentiment_score":-0.20689719170331955},{"text":"Yeah.","start":472.72,"end":473.22,"sentiment":"neutral","sentiment_score":-0.06334379315376282},{"text":"Because it would also then kind of depend on affecting it from a Centrelink point of view is if she just gets the super transferred directly into her super in an accumulation phase, it doesn't affect the Centrelink.","start":474.08002,"end":488.73502,"sentiment":"neutral","sentiment_score":-0.022802282002215322}],"sentiment":"neutral","sentiment_score":-0.04661137041850732,"num_words":65,"start":457.905,"end":488.73502},{"sentences":[{"text":"But if it's in a pension phase, it will.","start":489.11502,"end":492.65503,"sentiment":"neutral","sentiment_score":-0.01215950482421451},{"text":"And there is certain age requirements as well where you have to start drawing things.","start":493.195,"end":496.875,"sentiment":"neutral","sentiment_score":-0.11730073988437653},{"text":"And if she's not working and drawing a bit of an income from the super, then I imagine that most of that will fit in a pension fee.","start":496.875,"end":504.6,"sentiment":"neutral","sentiment_score":-0.20447815342673234},{"text":"Yeah.","start":509.715,"end":510.215,"sentiment":"neutral","sentiment_score":-0.06902636587619781},{"text":"So, yeah, there is obviously a bit to think about.","start":511.715,"end":514.595,"sentiment":"neutral","sentiment_score":-0.11105168387293815}],"sentiment":"neutral","sentiment_score":-0.13926790701964545,"num_words":63,"start":489.11502,"end":514.595},{"sentences":[{"text":"It will potentially does impact her age pension depending on how much it is.","start":514.595,"end":519.875,"sentiment":"neutral","sentiment_score":-0.1910438872873783},{"text":"Do you know how much it is?","start":519.875,"end":521.25,"sentiment":"neutral","sentiment_score":-0.05881502798625401},{"text":"Okay.","start":530.29,"end":530.79,"sentiment":"neutral","sentiment_score":0.0001344103366136551},{"text":"Yeah.","start":533.505,"end":533.745,"sentiment":"neutral","sentiment_score":0.003927582874894142},{"text":"Okay.","start":533.745,"end":534.245,"sentiment":"neutral","sentiment_score":0.0019598593935370445}],"sentiment":"neutral","sentiment_score":-0.12834574022175124,"num_words":24,"start":514.595,"end":534.245},{"sentences":[{"text":"And does she own a home?","start":535.265,"end":537.205,"sentiment":"neutral","sentiment_score":-0.0030164894027014575},{"text":"Do you know?","start":537.265,"end":537.925,"sentiment":"neutral","sentiment_score":-0.0029044762874643006},{"text":"Yeah.","start":540.065,"end":540.465,"sentiment":"neutral","sentiment_score":0.03349517285823822},{"text":"Okay.","start":540.465,"end":540.965,"sentiment":"neutral","sentiment_score":0.02459763735532761},{"text":"Yep.","start":542.705,"end":543.205,"sentiment":"neutral","sentiment_score":0.019236620515584946}],"sentiment":"neutral","sentiment_score":0.004209755454212427,"num_words":12,"start":535.265,"end":543.205},{"sentences":[{"text":"Yeah.","start":545.10504,"end":545.60504,"sentiment":"neutral","sentiment_score":0.008713657036423683},{"text":"Because in under the asset center and test, if you are a single homeowner, it's starts getting assessed if you get to 330 321,500, but that's also including any other assets.","start":545.88995,"end":560.905,"sentiment":"neutral","sentiment_score":-0.022979860494454062},{"text":"So if you like a car or anything like that.","start":560.905,"end":563.085,"sentiment":"neutral","sentiment_score":-0.057140376418828964},{"text":"So it definitely will obviously impact to some way if she receives it directly.","start":563.465,"end":567.805,"sentiment":"neutral","sentiment_score":-0.07996740045824222},{"text":"Yeah.","start":569.385,"end":569.705,"sentiment":"neutral","sentiment_score":-0.07958118617534637}],"sentiment":"neutral","sentiment_score":-0.04340685219422244,"num_words":57,"start":545.10504,"end":569.705},{"sentences":[{"text":"Then the other side is if she denies it and it goes to the estate and you guys will receive it, then you will have to pay tax on it.","start":569.705,"end":577.43005,"sentiment":"neutral","sentiment_score":-0.160887860506773},{"text":"I can pop all of this kind of in a general email for you if you would like because I know it's probably a lot to kind of take in this.","start":579.49005,"end":586.31,"sentiment":"neutral","sentiment_score":0.05729652827064837},{"text":"And, yeah, it it is obviously, yeah, a bit complex, especially when it comes through inheriting stuff.","start":588.29504,"end":593.495,"sentiment":"neutral","sentiment_score":-0.16914905037950068},{"text":"Well, it depends on the stuff like that.","start":593.495,"end":594.775,"sentiment":"neutral","sentiment_score":0.085980708245188},{"text":"So I'll put I'll put a couple of links and stuff, and I'll put it in an email for you.","start":594.775,"end":599.275,"sentiment":"neutral","sentiment_score":0.1540757119655609}],"sentiment":"neutral","sentiment_score":-0.02034544707539509,"num_words":106,"start":569.705,"end":599.275},{"sentences":[{"text":"Otherwise, I can also like, there is a lot of people at Centrelink that will be able to assist her as well in in determining things.","start":600.45,"end":607.97003,"sentiment":"positive","sentiment_score":0.3818647557726273},{"text":"But if it is that she wants a bit more, like, if she would like financial advice and how to go with it and exactly how much is going to impact her age pension and and different strategies to potentially minimize that.","start":607.97003,"end":620.715,"sentiment":"neutral","sentiment_score":0.165820211881683},{"text":"If it is that she will receive it, then if she is interested, I will be more than happy to get a team to reach out to her and see if we can have a bit of a chat to her and come up with some strategies and stuff for her if it is something that she is interested in in looking at exploring further and getting proper financial advice for it.","start":620.715,"end":641.38995,"sentiment":"positive","sentiment_score":0.497392194552554},{"text":"Do you know if that's something she would be interested in, or you just have to maybe have a bit of a chat to 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already engaged in his services?","start":667.035,"end":668.89496,"sentiment":"neutral","sentiment_score":-0.03893144748040608},{"text":"Mhmm.","start":672.795,"end":673.295,"sentiment":"neutral","sentiment_score":-0.027389001101255417},{"text":"Okay.","start":674.235,"end":674.735,"sentiment":"neutral","sentiment_score":-0.0421195924282074},{"text":"Okay.","start":678.17,"end":678.67,"sentiment":"neutral","sentiment_score":-0.1498776078224182},{"text":"Mhmm.","start":686.08997,"end":686.25,"sentiment":"neutral","sentiment_score":-0.20250457525253296}],"sentiment":"neutral","sentiment_score":-0.06312826445156877,"num_words":11,"start":667.035,"end":686.25},{"sentences":[{"text":"Okay.","start":686.25,"end":686.75,"sentiment":"neutral","sentiment_score":-0.13324201107025146},{"text":"Yeah.","start":688.08997,"end":688.58997,"sentiment":"neutral","sentiment_score":-0.0827069878578186},{"text":"Would you like me to send you I mean, if you already work from them, it can be tricky.","start":688.64996,"end":692.32996,"sentiment":"neutral","sentiment_score":0.014907377526948326},{"text":"But would you like me to send you in the email a contact detail of one of the lawyers that we work very closely with if you want a a second opinion on things?","start":692.32996,"end":701.855,"sentiment":"neutral","sentiment_score":0.04190456176943639},{"text":"Yeah.","start":703.355,"end":703.755,"sentiment":"neutral","sentiment_score":0.2200557291507721}],"sentiment":"neutral","sentiment_score":0.030573250060634955,"num_words":56,"start":686.25,"end":703.755},{"sentences":[{"text":"Yeah.","start":703.755,"end":704.255,"sentiment":"neutral","sentiment_score":0.18860995769500732},{"text":"I will send you their their pricing guide as well.","start":704.315,"end":707.195,"sentiment":"neutral","sentiment_score":0.14728700146079063},{"text":"Most of it is just to set up a will and stuff like that.","start":707.195,"end":709.6,"sentiment":"neutral","sentiment_score":0.09272203594446182},{"text":"You can always just give them a call and have a bit of a chat to them first, obviously, and see what they say.","start":709.6,"end":716.02,"sentiment":"neutral","sentiment_score":0.1333190631121397},{"text":"And then if you do talk to your mom and she would kind of want a bit more, I guess, financial advice on, okay, how to do with the money to tryna maximize the age pension and what to do if it is that you go down that way.","start":717.12,"end":729.605,"sentiment":"neutral","sentiment_score":0.1619671925294156}],"sentiment":"neutral","sentiment_score":0.14383304514447037,"num_words":98,"start":703.755,"end":729.605},{"sentences":[{"text":"You can even just respond to the email with her best phone number, contact time, whether whether that is contacting you and you are with her, then we are more than happy to do talk to her as well if it is something she is interested in afterwards as well.","start":729.605,"end":743.62994,"sentiment":"neutral","sentiment_score":0.2770194125175476},{"text":"Yeah.","start":745.20996,"end":745.70996,"sentiment":"neutral","sentiment_score":0.09278879314661026},{"text":"So, yeah, I will work on this email for you.","start":746.32996,"end":748.25,"sentiment":"neutral","sentiment_score":0.09262008517980576},{"text":"It might not be today, and I'm not in the office tomorrow.","start":748.25,"end":750.655,"sentiment":"neutral","sentiment_score":-0.04786960408091545},{"text":"I will try today.","start":750.655,"end":751.615,"sentiment":"neutral","sentiment_score":-0.003163775894790888}],"sentiment":"neutral","sentiment_score":0.18549181712041427,"num_words":77,"start":729.605,"end":751.615},{"sentences":[{"text":"If not, it will be Monday, if that's okay.","start":751.615,"end":753.875,"sentiment":"neutral","sentiment_score":0.005285148819287619},{"text":"Yep.","start":755.135,"end":755.615,"sentiment":"positive","sentiment_score":0.3371545672416687},{"text":"Perfect.","start":755.615,"end":756.115,"sentiment":"positive","sentiment_score":0.6477885246276855},{"text":"Do you have any other questions, or was there anything else that you kind of needed from me today?","start":756.335,"end":762.435,"sentiment":"neutral","sentiment_score":0.25207490513199254},{"text":"That's it?","start":764.51,"end":765.07,"sentiment":"neutral","sentiment_score":0.025187730323523283}],"sentiment":"neutral","sentiment_score":0.18350962779368274,"num_words":32,"start":751.615,"end":765.07},{"sentences":[{"text":"Yeah.","start":765.07,"end":765.39,"sentiment":"neutral","sentiment_score":0.09908561408519743},{"text":"Okay.","start":765.39,"end":765.71,"sentiment":"neutral","sentiment_score":0.21093110740184784},{"text":"Perfect.","start":765.71,"end":766.03,"sentiment":"positive","sentiment_score":0.359525203704834},{"text":"If you do think of anything else, you can either just respond to the email directly or call the office, and we can always have, you know, another conversation as well.","start":766.03,"end":775.275,"sentiment":"neutral","sentiment_score":0.20862025743530643},{"text":"Yeah.","start":776.635,"end":777.135,"sentiment":"positive","sentiment_score":0.5186182260513306}],"sentiment":"neutral","sentiment_score":0.21872537519250598,"num_words":35,"start":765.07,"end":777.135},{"sentences":[{"text":"Perfect.","start":777.195,"end":777.695,"sentiment":"positive","sentiment_score":0.7206625938415527},{"text":"No.","start":778.155,"end":778.47504,"sentiment":"positive","sentiment_score":0.45927464962005615},{"text":"That is no problem at all, Anthony.","start":778.47504,"end":779.835,"sentiment":"positive","sentiment_score":0.5378621646336147},{"text":"I hope you enjoy the rest of your day.","start":779.835,"end":781.755,"sentiment":"positive","sentiment_score":0.6078902574049102},{"text":"And like I said, if there's anything else you need, obviously, throughout this, just don't hesitate to give me a call.","start":781.755,"end":786.2729,"sentiment":"neutral","sentiment_score":0.16052186329449927}],"sentiment":"positive","sentiment_score":0.3535113805570664,"num_words":39,"start":777.195,"end":786.2729},{"sentences":[{"text":"No problem at all.","start":788.1929,"end":789.0729,"sentiment":"positive","sentiment_score":0.5532528907060623},{"text":"We'll speak soon.","start":789.0729,"end":790.0529,"sentiment":"positive","sentiment_score":0.35572196046511334},{"text":"Bye.","start":791.5529,"end":792.0529,"sentiment":"neutral","sentiment_score":-0.11443598568439484}],"sentiment":"positive","sentiment_score":0.3957176823168993,"num_words":8,"start":788.1929,"end":792.0529}]}}]},{"alternatives":[{"transcript":"Hello? Yes. It's Anthony. Good. How are you? Alright. Okay. Yes. Sorry. My phone's ringing up with you. Yep. Yeah. Anthony Medina, 02/06/1994. 5 Slash 38 To 40 Premier Street, 22 1. Yes. Correct. Yeah. Oh, yes. Yep. Yeah. That's good. So what happened my my father passed away October. And thank you. And he had my mom listed as his beneficiary. And my mom oh, the wheel, it's got a a four children with the all the other stuff, but the super, he didn't get around to changing. And my mom has told us that she had a conversation with him before he did pass away, and he she would he said that he would be changing it to us for, but never got around to it. And my mom does it. I mean, she wants to honor that and do that. At the moment, she's on she's on the pension. So she yes. Yes. And she's got some super as well. But she doesn't want to lose like, if she has that money deposited into her account, she'll lose her pension. So we just just wanted to have a bit of advice possibly on what is there a way we can do it where she can't where she won't her pension won't be affected. Also, I guess, if we were to because it's we're not listed, would we be paying tax on it if it does come to us? I think it was I think it was binding. I do have the copy. I should have brought it with me. The Super. He was going to. He at the time he passed away, he hadn't actually retired yet. He was in the process of retiring, but it was still active. He was still getting money into his super pretty much until the end. He hadn't yet. No. Hold on one. 71. Yep. Yep. Okay. Mhmm. Yes. Okay. But it's not it's not like a added to your yearly sort of income or no. Okay. And that's 30 percent. Mhmm. Yeah. No. She needs to return. Yeah. Yeah. It would yeah. It's not working anymore, so it would be in the pension. I think in total, it's about 3 yeah. It was between 3 and 4. I think it was $3.50 roughly. $350,000. She does. Yes. It was a joint home, but that got signed over to her. Yes. Yep. Yeah. That would be that would be very helpful. Yeah. Yeah. Yep. I'll I haven't I haven't talked to her, but, yeah, it's just a bit confusing. We I was sort of going through a solicitor, but he was kind of giving us the wrong forms, and so I wasn't too sure how to proceed with it. So I also don't know how far he's gone with that as well. It I was for the other stuff, like, CSA, and he was looking into the super, but I'm not sure if he's done anything or not. I don't think he has I think there was a form, but it wasn't the correct form in the end, so I don't think anything's been actioned as of yet. Yeah. That'd be good. Yep. Not a problem at all. No. That's that's it, I think. Okay. No problem. Thank you very much for your help. No problem. Thank you. 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Yes. It's Anthony. Good. How are you?\n\nAlright. Okay. Yes. Sorry. My phone's ringing up with you.\n\nYep. Yeah. Anthony Medina, 02/06/1994. 5 Slash 38 To 40 Premier Street, 22 1. Yes.\n\nCorrect. Yeah. Oh, yes. Yep. Yeah.\n\nThat's good. So what happened my my father passed away October. And thank you. And he had my mom listed as his beneficiary. And my mom oh, the wheel, it's got a a four children with the all the other stuff, but the super, he didn't get around to changing.\n\nAnd my mom has told us that she had a conversation with him before he did pass away, and he she would he said that he would be changing it to us for, but never got around to it. And my mom does it. I mean, she wants to honor that and do that. At the moment, she's on she's on the pension. So she yes.\n\nYes. And she's got some super as well. But she doesn't want to lose like, if she has that money deposited into her account, she'll lose her pension. So we just just wanted to have a bit of advice possibly on what is there a way we can do it where she can't where she won't her pension won't be affected. Also, I guess, if we were to because it's we're not listed, would we be paying tax on it if it does come to us?\n\nI think it was I think it was binding. I do have the copy. I should have brought it with me. The Super. He was going to.\n\nHe at the time he passed away, he hadn't actually retired yet. He was in the process of retiring, but it was still active. He was still getting money into his super pretty much until the end. He hadn't yet. No.\n\nHold on one. 71. Yep. Yep. Okay.\n\nMhmm. Yes. Okay. But it's not it's not like a added to your yearly sort of income or no. Okay.\n\nAnd that's 30 percent. Mhmm. Yeah. No. She needs to return.\n\nYeah. Yeah. It would yeah. It's not working anymore, so it would be in the pension. I think in total, it's about 3 yeah.\n\nIt was between 3 and 4. I think it was $3.50 roughly. $350,000. She does. Yes.\n\nIt was a joint home, but that got signed over to her. Yes. Yep. Yeah. That would be that would be very helpful.\n\nYeah. Yeah. Yep. I'll I haven't I haven't talked to her, but, yeah, it's just a bit confusing. We I was sort of going through a solicitor, but he was kind of giving us the wrong forms, and so I wasn't too sure how to proceed with it.\n\nSo I also don't know how far he's gone with that as well. It I was for the other stuff, like, CSA, and he was looking into the super, but I'm not sure if he's done anything or not. I don't think he has I think there was a form, but it wasn't the correct form in the end, so I don't think anything's been actioned as of yet. Yeah. That'd be good.\n\nYep. Not a problem at all. No. That's that's it, I think. Okay.\n\nNo problem. Thank you very much for your help. No problem. Thank you. 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good.","start":92.81,"end":93.47,"sentiment":"neutral","sentiment_score":0.2353971153497696},{"text":"So what happened my my father passed away October.","start":103.355,"end":108.255005,"sentiment":"neutral","sentiment_score":-0.16152986966901356},{"text":"And thank you.","start":109.515,"end":111.055,"sentiment":"neutral","sentiment_score":0.037671368569135666},{"text":"And he had my mom listed as his beneficiary.","start":111.115,"end":117.93,"sentiment":"neutral","sentiment_score":0.026932751966847315},{"text":"And my mom oh, the wheel, it's got a a four children with the all the other stuff, but the super, he didn't get around to changing.","start":119.11,"end":130.25,"sentiment":"neutral","sentiment_score":-0.0873114651551953}],"sentiment":"neutral","sentiment_score":-0.059699505642056463,"num_words":50,"start":92.81,"end":130.25},{"sentences":[{"text":"And my mom has told us that she had a conversation with him before he did pass away, and he she would he said that he would be changing it to us for, but never got around to it.","start":130.63,"end":144.315,"sentiment":"neutral","sentiment_score":-0.1395918348660836},{"text":"And my mom does it.","start":145.35,"end":146.95,"sentiment":"neutral","sentiment_score":0.15482008457183838},{"text":"I mean, she wants to honor that and do that.","start":146.95,"end":150.55,"sentiment":"neutral","sentiment_score":0.24946579486131668},{"text":"At the moment, she's on she's on the pension.","start":150.55,"end":153.53,"sentiment":"neutral","sentiment_score":0.01169762470655971},{"text":"So she yes.","start":154.47,"end":157.755,"sentiment":"neutral","sentiment_score":0.147132342060407}],"sentiment":"neutral","sentiment_score":-0.02467647787522186,"num_words":66,"start":130.63,"end":157.755},{"sentences":[{"text":"Yes.","start":157.99501,"end":158.49501,"sentiment":"neutral","sentiment_score":0.2340727150440216},{"text":"And she's got some super as well.","start":159.195,"end":161.195,"sentiment":"neutral","sentiment_score":0.32140103195394787},{"text":"But she doesn't want to lose like, if she has that money deposited into her account, she'll lose her pension.","start":161.195,"end":169.05501,"sentiment":"neutral","sentiment_score":-0.2609750725328922},{"text":"So we just just wanted to have a bit of advice possibly on what is there a way we can do it where she can't where she won't her pension won't be affected.","start":171.05,"end":181.31,"sentiment":"neutral","sentiment_score":-0.03652997345974048},{"text":"Also, I guess, if we were to because it's we're not listed, would we be paying tax on it if it does come to us?","start":182.89,"end":192.55501,"sentiment":"neutral","sentiment_score":-0.03862540885806084}],"sentiment":"neutral","sentiment_score":-0.05705518439022261,"num_words":86,"start":157.99501,"end":192.55501},{"sentences":[{"text":"I think it was I think it was binding.","start":202.53,"end":205.19,"sentiment":"neutral","sentiment_score":-0.012547444138262007},{"text":"I do have the copy.","start":205.49,"end":206.93001,"sentiment":"neutral","sentiment_score":0.09308272451162339},{"text":"I should have brought it with me.","start":206.93001,"end":208.39,"sentiment":"neutral","sentiment_score":0.08516420530421394},{"text":"The Super.","start":217.375,"end":218.275,"sentiment":"neutral","sentiment_score":-0.030355597846210003},{"text":"He was going to.","start":224.26999,"end":226.12999,"sentiment":"neutral","sentiment_score":-0.10424266196787357}],"sentiment":"neutral","sentiment_score":0.01744274884738304,"num_words":27,"start":202.53,"end":226.12999},{"sentences":[{"text":"He at the time he passed away, he hadn't actually retired yet.","start":226.26999,"end":230.67,"sentiment":"neutral","sentiment_score":-0.0787544371560216},{"text":"He was in the process of retiring, but it was still active.","start":230.67,"end":235.39,"sentiment":"neutral","sentiment_score":0.043234869837760925},{"text":"He was still getting money into his super pretty much until the end.","start":235.39,"end":239.385,"sentiment":"neutral","sentiment_score":0.07529712253465103},{"text":"He hadn't yet.","start":245.44499,"end":246.325,"sentiment":"neutral","sentiment_score":-0.07518703863024712},{"text":"No.","start":246.325,"end":246.825,"sentiment":"neutral","sentiment_score":-0.1130400151014328}],"sentiment":"neutral","sentiment_score":0.0052201622960771,"num_words":41,"start":226.26999,"end":246.825},{"sentences":[{"text":"Hold on one.","start":253.76,"end":254.48,"sentiment":"neutral","sentiment_score":-0.034931654731432595},{"text":"71.","start":254.48,"end":256.02002,"sentiment":"neutral","sentiment_score":0.005056190770119429},{"text":"Yep.","start":257.44,"end":257.94,"sentiment":"neutral","sentiment_score":0.17349904775619507},{"text":"Yep.","start":263.2,"end":263.7,"sentiment":"neutral","sentiment_score":-0.033200521022081375},{"text":"Okay.","start":287.37,"end":287.87,"sentiment":"neutral","sentiment_score":-0.06577251106500626}],"sentiment":"neutral","sentiment_score":-0.0036018225364387035,"num_words":7,"start":253.76,"end":287.87},{"sentences":[{"text":"Mhmm.","start":302.605,"end":303.105,"sentiment":"neutral","sentiment_score":-0.22086727619171145},{"text":"Yes.","start":339.04,"end":339.54,"sentiment":"neutral","sentiment_score":-0.0853704959154129},{"text":"Okay.","start":346.96,"end":347.46,"sentiment":"neutral","sentiment_score":-0.06786631792783737},{"text":"But it's not it's not like a added to your yearly sort of income or no.","start":348.835,"end":359.255,"sentiment":"neutral","sentiment_score":-0.08455603942275047},{"text":"Okay.","start":381.155,"end":381.655,"sentiment":"neutral","sentiment_score":0.03400306776165962}],"sentiment":"neutral","sentiment_score":-0.08464988265186549,"num_words":20,"start":302.605,"end":381.655},{"sentences":[{"text":"And that's 30 percent.","start":381.95502,"end":383.255,"sentiment":"neutral","sentiment_score":0.07778045907616615},{"text":"Mhmm.","start":403.05,"end":403.55,"sentiment":"neutral","sentiment_score":0.0007001422345638275},{"text":"Yeah.","start":449.79,"end":450.29,"sentiment":"neutral","sentiment_score":0.021716997027397156},{"text":"No.","start":470.675,"end":470.91498,"sentiment":"neutral","sentiment_score":-0.24928689002990723},{"text":"She needs to return.","start":470.91498,"end":472.055,"sentiment":"neutral","sentiment_score":-0.18476607650518417}],"sentiment":"neutral","sentiment_score":-0.0595283836803653,"num_words":11,"start":381.95502,"end":472.055},{"sentences":[{"text":"Yeah.","start":504.74002,"end":505.22,"sentiment":"neutral","sentiment_score":-0.043342795222997665},{"text":"Yeah.","start":505.22,"end":505.46002,"sentiment":"neutral","sentiment_score":-0.029378442093729973},{"text":"It would yeah.","start":505.46002,"end":506.02002,"sentiment":"neutral","sentiment_score":-0.08331627274552982},{"text":"It's not working anymore, so it would be in the pension.","start":506.02002,"end":509.16,"sentiment":"neutral","sentiment_score":-0.2669886215166612},{"text":"I think in total, it's about 3 yeah.","start":523.145,"end":528.025,"sentiment":"neutral","sentiment_score":-0.0313790594227612}],"sentiment":"neutral","sentiment_score":-0.14627405698411167,"num_words":24,"start":504.74002,"end":528.025},{"sentences":[{"text":"It was between 3 and 4.","start":528.025,"end":529.71,"sentiment":"neutral","sentiment_score":-0.02042150093863408},{"text":"I think it was $3.50 roughly.","start":529.87,"end":531.57,"sentiment":"neutral","sentiment_score":-0.003692447416445551},{"text":"$350,000.","start":531.63,"end":532.77,"sentiment":"neutral","sentiment_score":-0.0044389753602445126},{"text":"She does.","start":538.75,"end":539.31,"sentiment":"neutral","sentiment_score":0.01915542222559452},{"text":"Yes.","start":539.31,"end":539.81,"sentiment":"neutral","sentiment_score":0.03893608972430229}],"sentiment":"neutral","sentiment_score":-0.004492233207201934,"num_words":16,"start":528.025,"end":539.81},{"sentences":[{"text":"It was a joint home, but that got signed over to her.","start":540.03,"end":544.61005,"sentiment":"neutral","sentiment_score":0.020720203407108784},{"text":"Yes.","start":563.76996,"end":564.26996,"sentiment":"neutral","sentiment_score":-0.01032034307718277},{"text":"Yep.","start":578.085,"end":578.585,"sentiment":"neutral","sentiment_score":0.0770999938249588},{"text":"Yeah.","start":583.685,"end":583.92505,"sentiment":"neutral","sentiment_score":0.024418601766228676},{"text":"That would be that would be very helpful.","start":583.92505,"end":586.085,"sentiment":"neutral","sentiment_score":0.0345716243609786}],"sentiment":"neutral","sentiment_score":0.026800595142919083,"num_words":23,"start":540.03,"end":586.085},{"sentences":[{"text":"Yeah.","start":586.085,"end":586.585,"sentiment":"neutral","sentiment_score":-0.01831087097525597},{"text":"Yeah.","start":587.04504,"end":587.54504,"sentiment":"neutral","sentiment_score":-0.04451935738325119},{"text":"Yep.","start":641.465,"end":641.965,"sentiment":"neutral","sentiment_score":0.1754283308982849},{"text":"I'll I haven't I haven't talked to her, but, yeah, it's just a bit confusing.","start":648.5,"end":653.77997,"sentiment":"negative","sentiment_score":-0.3681667407353719},{"text":"We I was sort of going through a solicitor, but he was kind of giving us the wrong forms, and so I wasn't too sure how to proceed with it.","start":653.77997,"end":661.735,"sentiment":"negative","sentiment_score":-0.4278695027033488}],"sentiment":"negative","sentiment_score":-0.3801247518664847,"num_words":48,"start":586.085,"end":661.735},{"sentences":[{"text":"So I also don't know how far he's gone with that as well.","start":663.315,"end":666.21497,"sentiment":"neutral","sentiment_score":-0.16542419390036509},{"text":"It I was for the other stuff, like, CSA, and he was looking into the super, but I'm not sure if he's done anything or not.","start":669.92,"end":679.92,"sentiment":"neutral","sentiment_score":-0.12268219229120475},{"text":"I don't think he has I think there was a form, but it wasn't the correct form in the end, so I don't think anything's been actioned as of yet.","start":679.92,"end":687.47504,"sentiment":"neutral","sentiment_score":-0.3304818650086721},{"text":"Yeah.","start":702.2,"end":702.44,"sentiment":"neutral","sentiment_score":0.2720925509929657},{"text":"That'd be good.","start":702.44,"end":703.42,"sentiment":"positive","sentiment_score":0.4709491431713104}],"sentiment":"neutral","sentiment_score":-0.1858872258908128,"num_words":73,"start":663.315,"end":703.42},{"sentences":[{"text":"Yep.","start":709.865,"end":710.365,"sentiment":"neutral","sentiment_score":0.16138088703155518},{"text":"Not a problem at all.","start":754.19995,"end":763.07996,"sentiment":"neutral","sentiment_score":0.2193962350487709},{"text":"No.","start":763.07996,"end":763.31995,"sentiment":"neutral","sentiment_score":0.023397069424390793},{"text":"That's that's it, I think.","start":763.31995,"end":764.77997,"sentiment":"neutral","sentiment_score":0.010971861612051725},{"text":"Okay.","start":775.635,"end":776.035,"sentiment":"neutral","sentiment_score":0.19615010917186737}],"sentiment":"neutral","sentiment_score":0.11790527299476358,"num_words":13,"start":709.865,"end":776.035},{"sentences":[{"text":"No problem.","start":776.035,"end":776.515,"sentiment":"positive","sentiment_score":0.3659767061471939},{"text":"Thank you very much for your help.","start":776.515,"end":778.055,"sentiment":"positive","sentiment_score":0.7091046145984105},{"text":"No problem.","start":786.81,"end":787.29,"sentiment":"positive","sentiment_score":0.5619710087776184},{"text":"Thank you.","start":787.29,"end":788.02997,"sentiment":"positive","sentiment_score":0.7642895877361298},{"text":"Bye.","start":790.73,"end":791.23,"sentiment":"neutral","sentiment_score":0.2395704835653305}],"sentiment":"positive","sentiment_score":0.6134126707911491,"num_words":14,"start":776.035,"end":791.23}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning. Is this Anthony?\n\nChannel 1: Yes. It's Anthony.\n\nChannel 0: This is Veronica from IQ Financial. How are you this morning?\n\nChannel 1: Good. How are you?\n\nChannel 0: Yeah. Good. Thanks. Apologies. I'm running a couple of minutes late.\n\nMy previous meeting\n\nChannel 1: Alright.\n\nChannel 0: was\n\nChannel 1: Okay.\n\nChannel 0: just run running running a little bit later. I had you booked in for a bit of a catch up. Is now still a good time for you?\n\nChannel 1: Yes. Sorry. My phone's ringing up with you.\n\nChannel 0: No. No. That's okay. No. Just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Yeah. Anthony Medina, 02/06/1994. 5 Slash 38 To 40 Premier Street,\n\nChannel 0: Yep.\n\nChannel 1: 22\n\nChannel 0: Perfect.\n\nChannel 1: 1.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. Now I can see that you were kind of booked in to talk a little bit in regards to estate planning, Also, also from your mom's point of view. Is that correct?\n\nChannel 1: Yes. Correct. Yeah. Oh,\n\nChannel 0: Yeah.\n\nChannel 1: yes.\n\nChannel 0: Now, obviously, because I don't know anything about your mom, I can't obviously give direct advice, and I can obviously provide you with some general information in the scenarios. And, obviously, I'm not a a lawyer, so I can't give you legal advice, but, again, can kind of, you know, point out kind of\n\nChannel 1: Yep.\n\nChannel 0: the rules and stuff like that for you, just so you know.\n\nChannel 1: Yeah. That's good.\n\nChannel 0: Yeah. Now, I guess, what is it mainly that you guys are thinking about or the complexities around things?\n\nChannel 1: So what happened my my father passed away October.\n\nChannel 0: I'm sorry to hear that.\n\nChannel 1: And thank you. And he had my mom listed as his beneficiary.\n\nChannel 0: Yep.\n\nChannel 1: And my mom oh, the wheel, it's got a a four children with the all the other stuff, but the super, he didn't get around to changing. And my\n\nChannel 0: Mhmm.\n\nChannel 1: mom has told us that she had a conversation with him before he did pass away, and he she would he said that he would be changing it to us for, but never got around to it.\n\nChannel 0: Mhmm.\n\nChannel 1: And my mom does it. I mean, she wants to honor that and\n\nChannel 0: Yep.\n\nChannel 1: do that. At the moment, she's on she's on the pension.\n\nChannel 0: Yep. Yep.\n\nChannel 1: So she\n\nChannel 0: Like the age pension?\n\nChannel 1: yes. Yes.\n\nChannel 0: Yep.\n\nChannel 1: And she's got some super as well. But she doesn't\n\nChannel 0: Mhmm.\n\nChannel 1: want to lose like, if she has that money deposited into her account, she'll\n\nChannel 0: Mhmm.\n\nChannel 1: lose her pension.\n\nChannel 0: Mhmm.\n\nChannel 1: So we just just wanted to have a bit of advice possibly on what is there a way we can do it where she can't where she won't her pension won't be affected. Also, I guess, if we were to because it's we're not listed, would we\n\nChannel 0: Mhmm.\n\nChannel 1: be paying tax on it if it does come to us?\n\nChannel 0: Yes. So, essentially, do you know which type of nomination it was? Was it, like, a a binding, nonbinding? Do you know?\n\nChannel 1: I think it was I think it was binding. I do have the copy. I should have brought it with me.\n\nChannel 0: Mhmm. No. That's okay. Yeah. And do you know if his super was sitting in a pension phase or accumulation phase?\n\nDo you know?\n\nChannel 1: The\n\nChannel 0: Was\n\nChannel 1: Super.\n\nChannel 0: it like Mhmm. Was it as a was he receiving, like, an income stream from it, or was it sitting in,\n\nChannel 1: He\n\nChannel 0: like, a\n\nChannel 1: was going to. He\n\nChannel 0: mhmm.\n\nChannel 1: at the time he passed away, he hadn't actually retired yet. He was\n\nChannel 0: Okay.\n\nChannel 1: in the process of retiring,\n\nChannel 0: Okay.\n\nChannel 1: but it was still active. He was still getting money into his super\n\nChannel 0: Okay.\n\nChannel 1: pretty much until the end.\n\nChannel 0: Okay. So probably accumulation phase. And he wasn't withdrawing anything from from his sofa?\n\nChannel 1: He hadn't yet. No.\n\nChannel 0: No. Okay. And how old is your mom?\n\nChannel 1: Hold on one.\n\nChannel 0: Good question.\n\nChannel 1: 71.\n\nChannel 0: 71. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So, yeah, it it there is a bit of, I guess, complexities to it. So\n\nChannel 1: Yep.\n\nChannel 0: she can deny it. So even though it was a binding ops option going through her, she can still decide to not accept it if she wants to. If she doesn't, though, it would mean that it would probably go to the estate. And then in the estate, if you say that there is a will in place, the other\n\nChannel 1: Okay.\n\nChannel 0: things that can factor into how the money would be distributed. But it would kind of be obviously then up to the whole estate splitting on how that would be. And, obviously, people can come forth of trying to make a claim for it. So whether\n\nChannel 1: Mhmm.\n\nChannel 0: that is yourself and your siblings or there is obviously a potential risk for other people trying to make a claim. If there is a will in place stipulating other distribution of assets, that is obviously stronger, but there is obviously that bit of a risk to it. If it is distributed through children over 18, and if there is no like, you guys, none of those siblings are studying or there is a, you know, disability because there's slightly different rules around that. Otherwise, if all children are over 18, irrespective of how you receive it, whether that's a direct nomination or through the will, you will have to pay tax.\n\nChannel 1: Yes.\n\nChannel 0: Now that is up to 30% and then 2% medical levy surcharge for the untaxed component. The tax\n\nChannel 1: Okay.\n\nChannel 0: elements, yeah, is 15\n\nChannel 1: But it's not\n\nChannel 0: plus\n\nChannel 1: it's not like a added to your yearly sort of income or\n\nChannel 0: No.\n\nChannel 1: no.\n\nChannel 0: No. You don't you don't get taxed on inheritance. It's just what you do with it depending on what you do. But, like, if you receive an inheritance, if that is super contribution or life insurance policy payout, whatever it might be, you don't pay tax on it. Just when you receive it, you will pay tax because you are a taxable dependent under it.\n\nChannel 1: Okay. And that's 30\n\nChannel 0: So\n\nChannel 1: percent.\n\nChannel 0: Up to 30 sorry. It's about 30 through, including the medical levy surcharge for the untax components. That will be for each or each of each of you if you're over 18. And then if he has a tax element, it will be 15 plus the Medicare. But most of the time, the biggest component will sit in a in an untaxed component,\n\nChannel 1: Mhmm.\n\nChannel 0: like, from contributions and stuff like that. So it will be, yeah, up to 32% that each of you will have to pay on the benefit if you receive it directly from super. Now if it is paid to your mom and she was the spouse, it's tax free. She can then obviously distribute it however she wants. The the sticky point is obviously, like you said, her age pension.\n\nBecause if she receives the money directly, then it will count under the asset test, under Centrelink assessment. Now even if she she receives it today and tomorrow she gives it to you guys, it will still count for five years that she has it even though she doesn't.\n\nChannel 1: Yeah.\n\nChannel 0: Now, obviously, the how much it affects depends on, obviously, her assets and her income. And if she's, you know, a home owner or non homeowner, there is different rules for how much. Also, is is she still working?\n\nChannel 1: No. She needs\n\nChannel 0: Your\n\nChannel 1: to\n\nChannel 0: mom?\n\nChannel 1: return.\n\nChannel 0: Yeah. Because it would also then kind of depend on affecting it from a Centrelink point of view is if she just gets the super transferred directly into her super in an accumulation phase, it doesn't affect the Centrelink. But if it's in a pension phase, it will. And there is certain age requirements as well where you have to start drawing things. And if she's not working and drawing a bit of an income from the super, then I imagine that most of that will fit in a pension fee.\n\nChannel 1: Yeah. Yeah. It would yeah. It's not working anymore, so it would be in the pension.\n\nChannel 0: Yeah. So, yeah, there is obviously a bit to think about. It will potentially does impact her age pension depending on how much it is. Do you know how much it is?\n\nChannel 1: I think in total, it's about 3 yeah. It was between 3 and 4. I think it was\n\nChannel 0: Okay.\n\nChannel 1: $3.50 roughly. $350,000.\n\nChannel 0: Yeah. Okay. And does she own a home? Do you know?\n\nChannel 1: She does. Yes. It\n\nChannel 0: Yeah.\n\nChannel 1: was\n\nChannel 0: Okay.\n\nChannel 1: a joint home, but\n\nChannel 0: Yep.\n\nChannel 1: that got signed over to her.\n\nChannel 0: Yeah. Because in under the asset center and test, if you are a single homeowner, it's starts getting assessed if you get to 330 321,500, but that's also including any other assets. So if you like a car or anything like that. So it\n\nChannel 1: Yes.\n\nChannel 0: definitely will obviously impact to some way if she receives it directly. Yeah. Then the other side is if she denies it and it goes to the estate and you guys will receive it, then you will have to pay tax on it.\n\nChannel 1: Yep.\n\nChannel 0: I can pop all of this kind of in a general email for you if you would like because I know it's probably a\n\nChannel 1: Yeah.\n\nChannel 0: lot\n\nChannel 1: That\n\nChannel 0: to kind\n\nChannel 1: would\n\nChannel 0: of\n\nChannel 1: be that would be\n\nChannel 0: take\n\nChannel 1: very\n\nChannel 0: in\n\nChannel 1: helpful.\n\nChannel 0: this.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: And, yeah, it it is obviously, yeah, a bit complex, especially when it comes through inheriting stuff. Well, it depends on the stuff like that. So I'll put I'll put a couple of links and stuff, and I'll put it in an email for you. Otherwise, I can also like, there is a lot of people at Centrelink that will be able to assist her as well in in determining things. But if it is that she wants a bit more, like, if she would like financial advice and how to go with it and exactly how much is going to impact her age pension and and different strategies to potentially minimize that.\n\nIf it is that she will receive it, then if she is interested, I will be more than happy to get a team to reach out to her and see if we can have a bit of a chat to her and come up with some strategies and stuff for her if it is something that she is interested in in looking at exploring further and getting proper financial advice for it.\n\nChannel 1: Yep.\n\nChannel 0: Do you know if that's something she would be interested in, or you just have to maybe have a bit of a chat to her?\n\nChannel 1: I'll I haven't I haven't talked to her, but, yeah, it's just a bit confusing. We I was sort of\n\nChannel 0: Yeah.\n\nChannel 1: going through a solicitor, but\n\nChannel 0: Yep.\n\nChannel 1: he was kind of giving us the wrong forms, and so I wasn't too sure how to proceed\n\nChannel 0: Okay.\n\nChannel 1: with it.\n\nChannel 0: Yep. Yeah.\n\nChannel 1: So I also don't know how far he's gone with that as well.\n\nChannel 0: Yeah. Have you already engaged in his services?\n\nChannel 1: It I was for the other stuff, like,\n\nChannel 0: Mhmm.\n\nChannel 1: CSA,\n\nChannel 0: Okay.\n\nChannel 1: and he was looking into the super, but I'm not sure\n\nChannel 0: Okay.\n\nChannel 1: if he's done anything or not. I don't think he has I think there was a form, but it wasn't the correct form in the end, so I don't think anything's been\n\nChannel 0: Mhmm.\n\nChannel 1: actioned\n\nChannel 0: Okay.\n\nChannel 1: as of yet.\n\nChannel 0: Yeah. Would you like me to send you I mean, if you already work from them, it can be tricky. But would you like me to send you in the email a contact detail of one of the lawyers that we work very closely with if you want a a second opinion on things?\n\nChannel 1: Yeah. That'd be good.\n\nChannel 0: Yeah. Yeah. I will send you their their pricing guide as well. Most of it is just to set up a will and stuff like that. You can\n\nChannel 1: Yep.\n\nChannel 0: always just give them a call and have a bit of a chat to them first, obviously, and see what they say. And then if you do talk to your mom and she would kind of want a bit more, I guess, financial advice on, okay, how to do with the money to tryna maximize the age pension and what to do if it is that you go down that way. You can even just respond to the email with her best phone number, contact time, whether whether that is contacting you and you are with her, then we are more than happy to do talk to her as well if it is something she is interested in afterwards as well. Yeah. So, yeah, I will work on this email for you.\n\nIt might not be today, and I'm not in the office tomorrow. I will try today. If not, it will be Monday, if that's okay.\n\nChannel 1: Not a problem at\n\nChannel 0: Yep. Perfect. Do you have any other questions, or was there anything else that you kind of needed from me today?\n\nChannel 1: all. No. That's that's it, I think.\n\nChannel 0: That's it? Yeah. Okay. Perfect. If you do think of anything else, you can either just respond to the email directly or call the office, and we can always have, you know, another conversation as well.\n\nChannel 1: Okay. No problem. Thank\n\nChannel 0: Yeah.\n\nChannel 1: you very much\n\nChannel 0: Perfect.\n\nChannel 1: for your help.\n\nChannel 0: No. That is no problem at all, Anthony. I hope you enjoy the rest of your day. And like I said, if there's anything else you need, obviously, throughout this, just don't hesitate to give me a call.\n\nChannel 1: No problem. Thank you.\n\nChannel 0: No problem at all. We'll speak soon.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.6799998,"end":4.18,"sentiment":"neutral","sentiment_score":0.03414606302976608}],"sentiment":"neutral","sentiment_score":0.03414606302976608,"channel":1,"num_words":1,"start":3.6799998,"end":4.18},{"sentences":[{"text":"Good morning.","start":4.64,"end":5.12,"sentiment":"neutral","sentiment_score":0.2516784742474556},{"text":"Is this Anthony?","start":5.12,"end":5.94,"sentiment":"neutral","sentiment_score":0.13723345597585043}],"sentiment":"neutral","sentiment_score":0.1830114632844925,"channel":0,"num_words":5,"start":4.64,"end":5.94},{"sentences":[{"text":"Yes.","start":6.24,"end":6.72,"sentiment":"neutral","sentiment_score":0.1674768030643463},{"text":"It's Anthony.","start":6.72,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.17977875471115112}],"sentiment":"neutral","sentiment_score":0.1756781041622162,"channel":1,"num_words":3,"start":6.24,"end":7.2999997},{"sentences":[{"text":"This is Veronica from IQ Financial.","start":7.68,"end":9.7,"sentiment":"neutral","sentiment_score":0.22547544787327448},{"text":"How are you this morning?","start":9.76,"end":10.9,"sentiment":"neutral","sentiment_score":0.2652903079986572}],"sentiment":"neutral","sentiment_score":0.24357311156663028,"channel":0,"num_words":11,"start":7.68,"end":10.9},{"sentences":[{"text":"Good.","start":11.04,"end":11.28,"sentiment":"positive","sentiment_score":0.36190536618232727},{"text":"How are you?","start":11.28,"end":12.099999,"sentiment":"neutral","sentiment_score":0.23858782649040222}],"sentiment":"neutral","sentiment_score":0.2694172114133835,"channel":1,"num_words":4,"start":11.04,"end":12.099999},{"sentences":[{"text":"Yeah.","start":12.255,"end":12.495,"sentiment":"neutral","sentiment_score":0.1887141317129135},{"text":"Good.","start":12.495,"end":12.975,"sentiment":"positive","sentiment_score":0.3571416437625885},{"text":"Thanks.","start":12.975,"end":13.475,"sentiment":"neutral","sentiment_score":0.32749268412590027},{"text":"Apologies.","start":14.095,"end":14.595,"sentiment":"neutral","sentiment_score":-0.09989839792251588},{"text":"I'm running a couple of minutes late.","start":14.655001,"end":16.015,"sentiment":"neutral","sentiment_score":-0.05338583194783756}],"sentiment":"neutral","sentiment_score":0.03634083982218395,"channel":0,"num_words":11,"start":12.255,"end":16.015},{"sentences":[{"text":"My previous 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later.","start":17.215,"end":19.475,"sentiment":"neutral","sentiment_score":0.023222281830385327},{"text":"I had you booked in for a bit of a catch up.","start":20.654999,"end":22.895,"sentiment":"neutral","sentiment_score":0.10559168892602126},{"text":"Is now still a good time for you?","start":22.895,"end":24.54,"sentiment":"neutral","sentiment_score":0.1759665384888649}],"sentiment":"neutral","sentiment_score":0.1021646724880806,"channel":0,"num_words":28,"start":17.215,"end":24.54},{"sentences":[{"text":"Yes.","start":25.744999,"end":26.244999,"sentiment":"neutral","sentiment_score":0.01016257144510746},{"text":"Sorry.","start":26.385,"end":26.885,"sentiment":"neutral","sentiment_score":-0.06455950438976288},{"text":"My phone's ringing up with you.","start":26.945,"end":28.485,"sentiment":"neutral","sentiment_score":-0.10862917453050613}],"sentiment":"neutral","sentiment_score":-0.08827149751596153,"channel":1,"num_words":8,"start":25.744999,"end":28.485},{"sentences":[{"text":"No.","start":28.86,"end":29.36,"sentiment":"neutral","sentiment_score":-0.13504579663276672},{"text":"No.","start":29.980001,"end":30.140001,"sentiment":"neutral","sentiment_score":-0.12583918869495392},{"text":"That's okay.","start":30.140001,"end":30.960001,"sentiment":"neutral","sentiment_score":-0.07491123676300049},{"text":"No.","start":31.5,"end":31.740002,"sentiment":"neutral","sentiment_score":-0.052647724747657776},{"text":"Just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you?","start":31.740002,"end":38.96,"sentiment":"neutral","sentiment_score":-0.01479853925605615}],"sentiment":"neutral","sentiment_score":-0.02592318175094468,"channel":0,"num_words":35,"start":28.86,"end":38.96},{"sentences":[{"text":"Yep.","start":38.82,"end":39.32,"sentiment":"neutral","sentiment_score":0.061539243906736374}],"sentiment":"neutral","sentiment_score":0.061539243906736374,"channel":1,"num_words":1,"start":38.82,"end":39.32},{"sentences":[{"text":"Yep.","start":39.945,"end":40.345,"sentiment":"neutral","sentiment_score":0.11156393587589264},{"text":"Perfect.","start":40.345,"end":40.845,"sentiment":"neutral","sentiment_score":0.3120684027671814},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":40.985,"end":47.245,"sentiment":"neutral","sentiment_score":0.11843130938135661}],"sentiment":"neutral","sentiment_score":0.12510165651994093,"channel":0,"num_words":28,"start":39.945,"end":47.245},{"sentences":[{"text":"Yeah.","start":47.225,"end":47.625,"sentiment":"neutral","sentiment_score":0.03068731166422367},{"text":"Anthony Medina, 02/06/1994.","start":47.625,"end":50.765,"sentiment":"neutral","sentiment_score":0.02601569580535094},{"text":"5 Slash 38 To 40 Premier Street,","start":51.464996,"end":54.604996,"sentiment":"neutral","sentiment_score":0.026864745787211826}],"sentiment":"neutral","sentiment_score":0.026980692690069027,"channel":1,"num_words":11,"start":47.225,"end":54.604996},{"sentences":[{"text":"Yep.","start":55.8,"end":56.28,"sentiment":"neutral","sentiment_score":0.04317043721675873}],"sentiment":"neutral","sentiment_score":0.04317043721675873,"channel":0,"num_words":1,"start":55.8,"end":56.28},{"sentences":[{"text":"22","start":55.945,"end":56.344997,"sentiment":"neutral","sentiment_score":0.07066322863101959}],"sentiment":"neutral","sentiment_score":0.07066322863101959,"channel":1,"num_words":1,"start":55.945,"end":56.344997},{"sentences":[{"text":"Perfect.","start":56.28,"end":56.78,"sentiment":"neutral","sentiment_score":0.18248887360095975}],"sentiment":"neutral","sentiment_score":0.18248887360095975,"channel":0,"num_words":1,"start":56.28,"end":56.78},{"sentences":[{"text":"1.","start":56.344997,"end":56.844997,"sentiment":"neutral","sentiment_score":0.11480549722909927}],"sentiment":"neutral","sentiment_score":0.11480549722909927,"channel":1,"num_words":1,"start":56.344997,"end":56.844997},{"sentences":[{"text":"Yep.","start":57.32,"end":57.72,"sentiment":"neutral","sentiment_score":0.17088183760643005},{"text":"Perfect.","start":57.72,"end":58.04,"sentiment":"positive","sentiment_score":0.4300146698951721},{"text":"That's exactly what I have here.","start":58.04,"end":59.9,"sentiment":"positive","sentiment_score":0.4466797858476639},{"text":"Now I can see that you were kind of booked in to talk a little bit in regards to estate planning, Also, also from your mom's point of view.","start":60.68,"end":69.825,"sentiment":"neutral","sentiment_score":0.08799440593555055},{"text":"Is that correct?","start":69.825,"end":70.645,"sentiment":"neutral","sentiment_score":0.07121789207061131}],"sentiment":"neutral","sentiment_score":0.15116166677325965,"channel":0,"num_words":40,"start":57.32,"end":70.645},{"sentences":[{"text":"Yes.","start":70.22,"end":70.72,"sentiment":"neutral","sentiment_score":0.05596969276666641},{"text":"Correct.","start":71.42,"end":71.82,"sentiment":"neutral","sentiment_score":0.05489835888147354},{"text":"Yeah.","start":71.82,"end":72.32,"sentiment":"neutral","sentiment_score":0.023586168885231015},{"text":"Oh,","start":72.38,"end":72.619995,"sentiment":"neutral","sentiment_score":0.010221246629953384}],"sentiment":"neutral","sentiment_score":0.03616886679083109,"channel":1,"num_words":4,"start":70.22,"end":72.619995},{"sentences":[{"text":"Yeah.","start":72.465,"end":72.965,"sentiment":"neutral","sentiment_score":0.013068189844489098}],"sentiment":"neutral","sentiment_score":0.013068189844489098,"channel":0,"num_words":1,"start":72.465,"end":72.965},{"sentences":[{"text":"yes.","start":72.619995,"end":73.119995,"sentiment":"neutral","sentiment_score":0.021436581388115883}],"sentiment":"neutral","sentiment_score":0.021436581388115883,"channel":1,"num_words":1,"start":72.619995,"end":73.119995},{"sentences":[{"text":"Now, obviously, because I don't know anything about your mom, I can't obviously give direct advice, and I can obviously provide you with some general information in the scenarios.","start":73.905,"end":82.96,"sentiment":"neutral","sentiment_score":-0.026131012637553543},{"text":"And, obviously, I'm not a a lawyer, so I can't give you legal advice, but, again, can kind of, you know, point out kind of","start":83.659996,"end":89.82,"sentiment":"neutral","sentiment_score":-0.046423194855451586}],"sentiment":"neutral","sentiment_score":-0.03552554144213597,"channel":0,"num_words":54,"start":73.905,"end":89.82},{"sentences":[{"text":"Yep.","start":89.69,"end":90.19,"sentiment":"neutral","sentiment_score":0.0018757333746179936}],"sentiment":"neutral","sentiment_score":0.0018757333746179936,"channel":1,"num_words":1,"start":89.69,"end":90.19},{"sentences":[{"text":"the rules and stuff like that for you, just so you 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just just wanted to have a bit of advice possibly on what is there a way we can do it where she can't where she won't her pension won't be affected.","start":171.05,"end":181.31,"sentiment":"neutral","sentiment_score":-0.03652997345974048},{"text":"Also, I guess, if we were to because it's we're not listed, would we","start":182.89,"end":189.41501,"sentiment":"neutral","sentiment_score":-0.026207516502056803}],"sentiment":"neutral","sentiment_score":-0.033455199046813426,"channel":1,"num_words":47,"start":171.05,"end":189.41501},{"sentences":[{"text":"Mhmm.","start":189.33,"end":189.83,"sentiment":"neutral","sentiment_score":-0.06834685802459717}],"sentiment":"neutral","sentiment_score":-0.06834685802459717,"channel":0,"num_words":1,"start":189.33,"end":189.83},{"sentences":[{"text":"be paying tax on it if it does come to 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it would also then kind of depend on affecting it from a Centrelink point of view is if she just gets the super transferred directly into her super in an accumulation phase, it doesn't affect the Centrelink.","start":474.08002,"end":488.73502,"sentiment":"neutral","sentiment_score":-0.022802282002215322},{"text":"But if it's in a pension phase, it will.","start":489.11502,"end":492.65503,"sentiment":"neutral","sentiment_score":-0.01215950482421451},{"text":"And there is certain age requirements as well where you have to start drawing things.","start":493.195,"end":496.875,"sentiment":"neutral","sentiment_score":-0.11730073988437653},{"text":"And if she's not working and drawing a bit of an income from the super, then I imagine that most of that will fit in a pension 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obviously a bit to think about.","start":511.715,"end":514.595,"sentiment":"neutral","sentiment_score":-0.11105168387293815},{"text":"It will potentially does impact her age pension depending on how much it is.","start":514.595,"end":519.875,"sentiment":"neutral","sentiment_score":-0.1910438872873783},{"text":"Do you know how much it is?","start":519.875,"end":521.25,"sentiment":"neutral","sentiment_score":-0.05881502798625401}],"sentiment":"neutral","sentiment_score":-0.13330821320414543,"channel":0,"num_words":32,"start":509.715,"end":521.25},{"sentences":[{"text":"I think in total, it's about 3 yeah.","start":523.145,"end":528.025,"sentiment":"neutral","sentiment_score":-0.0313790594227612},{"text":"It was between 3 and 4.","start":528.025,"end":529.71,"sentiment":"neutral","sentiment_score":-0.02042150093863408},{"text":"I think it 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330 321,500, but that's also including any other assets.","start":545.88995,"end":560.905,"sentiment":"neutral","sentiment_score":-0.022979860494454062},{"text":"So if you like a car or anything like that.","start":560.905,"end":563.085,"sentiment":"neutral","sentiment_score":-0.057140376418828964},{"text":"So it","start":563.465,"end":563.865,"sentiment":"neutral","sentiment_score":0.008120073936879635}],"sentiment":"neutral","sentiment_score":-0.028609673513776877,"channel":0,"num_words":44,"start":545.10504,"end":563.865},{"sentences":[{"text":"Yes.","start":563.76996,"end":564.26996,"sentiment":"neutral","sentiment_score":-0.01032034307718277}],"sentiment":"neutral","sentiment_score":-0.01032034307718277,"channel":1,"num_words":1,"start":563.76996,"end":564.26996},{"sentences":[{"text":"definitely will obviously impact to some way if she receives it 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yet.","start":686.575,"end":687.47504,"sentiment":"neutral","sentiment_score":-0.1487452487150828}],"sentiment":"neutral","sentiment_score":-0.1487452487150828,"channel":1,"num_words":3,"start":686.575,"end":687.47504},{"sentences":[{"text":"Yeah.","start":688.08997,"end":688.58997,"sentiment":"neutral","sentiment_score":-0.0827069878578186},{"text":"Would you like me to send you I mean, if you already work from them, it can be tricky.","start":688.64996,"end":692.32996,"sentiment":"neutral","sentiment_score":0.014907377526948326},{"text":"But would you like me to send you in the email a contact detail of one of the lawyers that we work very closely with if you want a a second opinion on things?","start":692.32996,"end":701.855,"sentiment":"neutral","sentiment_score":0.04190456176943639}],"sentiment":"neutral","sentiment_score":0.03009793120953772,"channel":0,"num_words":54,"start":688.08997,"end":701.855},{"sentences":[{"text":"Yeah.","start":702.2,"end":702.44,"sentiment":"neutral","sentiment_score":0.2720925509929657},{"text":"That'd be good.","start":702.44,"end":703.42,"sentiment":"positive","sentiment_score":0.4709491431713104}],"sentiment":"positive","sentiment_score":0.42123499512672424,"channel":1,"num_words":4,"start":702.2,"end":703.42},{"sentences":[{"text":"Yeah.","start":703.355,"end":703.755,"sentiment":"neutral","sentiment_score":0.2200557291507721},{"text":"Yeah.","start":703.755,"end":704.255,"sentiment":"neutral","sentiment_score":0.18860995769500732},{"text":"I will send you their their pricing guide as well.","start":704.315,"end":707.195,"sentiment":"neutral","sentiment_score":0.14728700146079063},{"text":"Most of it is just to set up a will and stuff like that.","start":707.195,"end":709.6,"sentiment":"neutral","sentiment_score":0.09272203594446182},{"text":"You can","start":709.6,"end":709.92,"sentiment":"neutral","sentiment_score":0.09931256249547005}],"sentiment":"neutral","sentiment_score":0.12065247605953898,"channel":0,"num_words":28,"start":703.355,"end":709.92},{"sentences":[{"text":"Yep.","start":709.865,"end":710.365,"sentiment":"neutral","sentiment_score":0.16138088703155518}],"sentiment":"neutral","sentiment_score":0.16138088703155518,"channel":1,"num_words":1,"start":709.865,"end":710.365},{"sentences":[{"text":"always just give them a call and have a bit of a chat to them first, obviously, and see what they say.","start":709.92,"end":716.02,"sentiment":"neutral","sentiment_score":0.13641056316820058},{"text":"And then if you do talk to your mom and she would kind of want a bit more, I guess, financial advice on, okay, how to do with the money to tryna maximize the age pension and what to do if it is that you go down that way.","start":717.12,"end":729.605,"sentiment":"neutral","sentiment_score":0.1619671925294156},{"text":"You can even just respond to the email with her best phone number, contact time, whether whether that is contacting you and you are with her, then we are more than happy to do talk to her as well if it is something she is interested in afterwards as well.","start":729.605,"end":743.62994,"sentiment":"neutral","sentiment_score":0.2770194125175476},{"text":"Yeah.","start":745.20996,"end":745.70996,"sentiment":"neutral","sentiment_score":0.09278879314661026},{"text":"So, yeah, I will work on this email for you.","start":746.32996,"end":748.25,"sentiment":"neutral","sentiment_score":0.09262008517980576}],"sentiment":"neutral","sentiment_score":0.19551049313987745,"channel":0,"num_words":132,"start":709.92,"end":748.25},{"sentences":[{"text":"It might not be today, and I'm not in the office tomorrow.","start":748.25,"end":750.655,"sentiment":"neutral","sentiment_score":-0.04786960408091545},{"text":"I will try today.","start":750.655,"end":751.615,"sentiment":"neutral","sentiment_score":-0.003163775894790888},{"text":"If not, it will be Monday, if that's okay.","start":751.615,"end":753.875,"sentiment":"neutral","sentiment_score":0.005285148819287619}],"sentiment":"neutral","sentiment_score":-0.021580960527062418,"channel":0,"num_words":25,"start":748.25,"end":753.875},{"sentences":[{"text":"Not a problem at","start":754.19995,"end":755.18,"sentiment":"neutral","sentiment_score":0.2657575160264969}],"sentiment":"neutral","sentiment_score":0.2657575160264969,"channel":1,"num_words":4,"start":754.19995,"end":755.18},{"sentences":[{"text":"Yep.","start":755.135,"end":755.615,"sentiment":"positive","sentiment_score":0.3371545672416687},{"text":"Perfect.","start":755.615,"end":756.115,"sentiment":"positive","sentiment_score":0.6477885246276855},{"text":"Do you have any other questions, or was there anything else that you kind of needed from me today?","start":756.335,"end":762.435,"sentiment":"neutral","sentiment_score":0.25207490513199254}],"sentiment":"neutral","sentiment_score":0.2749698233036768,"channel":0,"num_words":21,"start":755.135,"end":762.435},{"sentences":[{"text":"all.","start":762.6,"end":763.07996,"sentiment":"neutral","sentiment_score":0.033951111137866974},{"text":"No.","start":763.07996,"end":763.31995,"sentiment":"neutral","sentiment_score":0.023397069424390793},{"text":"That's that's it, I think.","start":763.31995,"end":764.77997,"sentiment":"neutral","sentiment_score":0.010971861612051725}],"sentiment":"neutral","sentiment_score":0.016029641231788055,"channel":1,"num_words":7,"start":762.6,"end":764.77997},{"sentences":[{"text":"That's it?","start":764.51,"end":765.07,"sentiment":"neutral","sentiment_score":0.025187730323523283},{"text":"Yeah.","start":765.07,"end":765.39,"sentiment":"neutral","sentiment_score":0.09908561408519743},{"text":"Okay.","start":765.39,"end":765.71,"sentiment":"neutral","sentiment_score":0.21093110740184784},{"text":"Perfect.","start":765.71,"end":766.03,"sentiment":"positive","sentiment_score":0.359525203704834},{"text":"If you do think of anything else, you can either just respond to the email directly or call the office, and we can always have, you know, another conversation as well.","start":766.03,"end":775.275,"sentiment":"neutral","sentiment_score":0.20862025743530643}],"sentiment":"neutral","sentiment_score":0.19964292684259513,"channel":0,"num_words":36,"start":764.51,"end":775.275},{"sentences":[{"text":"Okay.","start":775.635,"end":776.035,"sentiment":"neutral","sentiment_score":0.19615010917186737},{"text":"No problem.","start":776.035,"end":776.515,"sentiment":"positive","sentiment_score":0.3659767061471939},{"text":"Thank","start":776.515,"end":776.755,"sentiment":"positive","sentiment_score":0.5691377520561218}],"sentiment":"positive","sentiment_score":0.37431031838059425,"channel":1,"num_words":4,"start":775.635,"end":776.755},{"sentences":[{"text":"Yeah.","start":776.635,"end":777.135,"sentiment":"positive","sentiment_score":0.5186182260513306}],"sentiment":"positive","sentiment_score":0.5186182260513306,"channel":0,"num_words":1,"start":776.635,"end":777.135},{"sentences":[{"text":"you very much","start":776.755,"end":777.315,"sentiment":"positive","sentiment_score":0.7323290109634399}],"sentiment":"positive","sentiment_score":0.7323290109634399,"channel":1,"num_words":3,"start":776.755,"end":777.315},{"sentences":[{"text":"Perfect.","start":777.195,"end":777.695,"sentiment":"positive","sentiment_score":0.7206625938415527}],"sentiment":"positive","sentiment_score":0.7206625938415527,"channel":0,"num_words":1,"start":777.195,"end":777.695},{"sentences":[{"text":"for your help.","start":777.315,"end":778.055,"sentiment":"positive","sentiment_score":0.7325358390808105}],"sentiment":"positive","sentiment_score":0.7325358390808105,"channel":1,"num_words":3,"start":777.315,"end":778.055},{"sentences":[{"text":"No.","start":778.155,"end":778.47504,"sentiment":"positive","sentiment_score":0.45927464962005615},{"text":"That is no problem at all, Anthony.","start":778.47504,"end":779.835,"sentiment":"positive","sentiment_score":0.5378621646336147},{"text":"I hope you enjoy the rest of your day.","start":779.835,"end":781.755,"sentiment":"positive","sentiment_score":0.6078902574049102},{"text":"And like I said, if there's anything else you need, obviously, throughout this, just don't hesitate to give me a call.","start":781.755,"end":786.2729,"sentiment":"neutral","sentiment_score":0.16052186329449927}],"sentiment":"positive","sentiment_score":0.34384950652326407,"channel":0,"num_words":38,"start":778.155,"end":786.2729},{"sentences":[{"text":"No problem.","start":786.81,"end":787.29,"sentiment":"positive","sentiment_score":0.5619710087776184},{"text":"Thank you.","start":787.29,"end":788.02997,"sentiment":"positive","sentiment_score":0.7642895877361298}],"sentiment":"positive","sentiment_score":0.6631302982568741,"channel":1,"num_words":4,"start":786.81,"end":788.02997},{"sentences":[{"text":"No problem at all.","start":788.1929,"end":789.0729,"sentiment":"positive","sentiment_score":0.5532528907060623},{"text":"We'll speak soon.","start":789.0729,"end":790.0529,"sentiment":"positive","sentiment_score":0.35572196046511334}],"sentiment":"positive","sentiment_score":0.4685967777456556,"channel":0,"num_words":7,"start":788.1929,"end":790.0529},{"sentences":[{"text":"Bye.","start":790.73,"end":791.23,"sentiment":"neutral","sentiment_score":0.2395704835653305}],"sentiment":"neutral","sentiment_score":0.2395704835653305,"channel":1,"num_words":1,"start":790.73,"end":791.23},{"sentences":[{"text":"Bye.","start":791.5529,"end":792.0529,"sentiment":"neutral","sentiment_score":-0.11443598568439484}],"sentiment":"neutral","sentiment_score":-0.11443598568439484,"channel":0,"num_words":1,"start":791.5529,"end":792.0529}]},"summary":{"result":"success","short":"An IQ Financial representative calls Anthony to explain that he is running late due to a previous meeting. The representative confirms his personal information and discusses the possibility of a new will. They also discuss the impact of the retirement plan on his assets and income. The speaker explains that the retirement will be paid to his mother and her siblings and that the retirement will be impacted by his assets and income. The speaker offers to send more information via email and provides financial advice for the customer. The speaker also provides a link to an email for the customer to review and discuss further."},"intents":{"segments":[{"text":"Just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you? Yep.","start_word":82,"end_word":112,"intents":[{"intent":"Confirm call recording","confidence_score":0.031857107}]},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yeah.","start_word":115,"end_word":141,"intents":[{"intent":"Confirm identity","confidence_score":0.39535153},{"intent":"Specify caller's name","confidence_score":0.000017667047},{"intent":"Confirm address","confidence_score":0.044928577},{"intent":"Confirm identity","confidence_score":0.4341367},{"intent":"Confirm identity","confidence_score":0.36218616}]},{"text":"Now I can see that you were kind of booked in to talk a little bit in regards to estate planning, Also, also from your mom's point of view. Is that correct? Yes.","start_word":164,"end_word":196,"intents":[{"intent":"Provide information on estate planning","confidence_score":0.005710984}]},{"text":"Now, obviously, because I don't know anything about your mom, I can't obviously give direct advice, and I can obviously provide you with some general information in the scenarios. And, obviously, I'm not a a lawyer, so I can't give you legal advice, but, again, can kind of, you know, point out kind of Yep. the rules and stuff like that for you, just so you know. Yeah.","start_word":202,"end_word":269,"intents":[{"intent":"Discuss legal advice","confidence_score":0.017274516},{"intent":"Provide legal advice","confidence_score":0.013761454}]},{"text":"Now, I guess, what is it mainly that you guys are thinking about or the complexities around things?","start_word":273,"end_word":290,"intents":[{"intent":"Provide information on matters","confidence_score":0.000002654658}]},{"text":"And thank you.","start_word":305,"end_word":307,"intents":[{"intent":"Express gratitude","confidence_score":0.056035466}]},{"text":"You don't you don't get taxed on inheritance. It's just what you do with it depending on what you do. But, like, if you receive an inheritance, if that is super contribution or life insurance policy payout, whatever it might be, you don't pay tax on it. Just when you receive it, you will pay tax because you are a taxable dependent under it. Okay.","start_word":964,"end_word":1028,"intents":[{"intent":"Explain tax implications","confidence_score":0.025429126}]},{"text":"And if she's not working and drawing a bit of an income from the super, then I imagine that most of that will fit in a pension fee.","start_word":1327,"end_word":1354,"intents":[{"intent":"Estimate pension fees","confidence_score":0.000438274}]},{"text":"But if it is that she wants a bit more, like, if she would like financial advice and how to go with it and exactly how much is going to impact her age pension and and different strategies to potentially minimize that.","start_word":1656,"end_word":1697,"intents":[{"intent":"Arrange financial advice for adviser","confidence_score":0.00008904092}]},{"text":"Would you like me to send you I mean, if you already work from them, it can be tricky. But would you like me to send you in the email a contact detail of one of the lawyers that we work very closely with if you want a a second opinion on things? Yeah.","start_word":1930,"end_word":1983,"intents":[{"intent":"Request second opinion","confidence_score":0.4384826}]},{"text":"Most of it is just to set up a will and stuff like that. You can Yep.","start_word":1998,"end_word":2014,"intents":[{"intent":"Set up will","confidence_score":0.31301188}]},{"text":"You can even just respond to the email with her best phone number, contact time, whether whether that is contacting you and you are with her, then we are more than happy to do talk to her as well if it is something she is interested in afterwards as well. Yeah.","start_word":2086,"end_word":2136,"intents":[{"intent":"Respond to email","confidence_score":0.14164828}]},{"text":"Do you have any other questions, or was there anything else that you kind of needed from me today? all.","start_word":2178,"end_word":2197,"intents":[{"intent":"Answer questions","confidence_score":0.016803369}]},{"text":"That's that's it, I think. That's it? Yeah. Okay. Perfect. If you do think of anything else, you can either just respond to the email directly or call the office, and we can always have, you know, another conversation as well. Okay.","start_word":2199,"end_word":2240,"intents":[{"intent":"End conversation","confidence_score":0.06738541}]}]},"sentiments":{"segments":[{"text":"Hello? Good morning. Is this Anthony? Yes. It's Anthony. This is Veronica from IQ Financial. How are you this morning?","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.19609269499778748},{"text":"Good.","start_word":20,"end_word":20,"sentiment":"positive","sentiment_score":0.36190536618232727},{"text":"How are you? Yeah.","start_word":21,"end_word":24,"sentiment":"neutral","sentiment_score":0.2202543318271637},{"text":"Good.","start_word":25,"end_word":25,"sentiment":"positive","sentiment_score":0.3571416437625885},{"text":"Thanks. Apologies. I'm running a couple of minutes late. My previous meeting Alright. was Okay. just run running running a little bit later. I had you booked in for a bit of a catch up. Is now still a good time for you? Yes. Sorry. My phone's ringing up with you. No. No. That's okay. No. Just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you? Yep. Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yeah. Anthony Medina, 02/06/1994. 5 Slash 38 To 40 Premier Street, Yep. 22 Perfect. 1. Yep.","start_word":26,"end_word":156,"sentiment":"neutral","sentiment_score":0.03648983687162399},{"text":"Perfect. That's exactly what I have here.","start_word":157,"end_word":163,"sentiment":"positive","sentiment_score":0.4370108544826507},{"text":"Now I can see that you were kind of booked in to talk a little bit in regards to estate planning, Also, also from your mom's point of view. Is that correct? Yes. Correct. Yeah. Oh, Yeah. yes. Now, obviously, because I don't know anything about your mom, I can't obviously give direct advice, and I can obviously provide you with some general information in the scenarios. And, obviously, I'm not a a lawyer, so I can't give you legal advice, but, again, can kind of, you know, point out kind of Yep. the rules and stuff like that for you, just so you know. Yeah. That's good. Yeah. Now, I guess, what is it mainly that you guys are thinking about or the complexities around things? So what happened my my father passed away October. I'm sorry to hear that. And thank you. And he had my mom listed as his beneficiary. Yep. And my mom oh, the wheel, it's got a a four children with the all the other stuff, but the super, he didn't get around to changing. And my Mhmm. mom has told us that she had a conversation with him before he did pass away, and he she would he said that he would be changing it to us for, but never got around to it. Mhmm. And my mom does it. I mean, she wants to honor that and Yep. do that. At the moment, she's on she's on the pension. Yep. Yep. So she Like the age pension? yes. Yes. Yep. And she's got some super as well. But she doesn't Mhmm. want to lose like, if she has that money deposited into her account, she'll Mhmm. lose her pension. Mhmm. So we just just wanted to have a bit of advice possibly on what is there a way we can do it where she can't where she won't her pension won't be affected. Also, I guess, if we were to because it's we're not listed, would we Mhmm. be paying tax on it if it does come to us? Yes. So, essentially, do you know which type of nomination it was? Was it, like, a a binding, nonbinding? Do you know? I think it was I think it was binding. I do have the copy. I should have brought it with me. Mhmm. No. That's okay. Yeah. And do you know if his super was sitting in a pension phase or accumulation phase? Do you know? The Was Super. it like Mhmm. Was it as a was he receiving, like, an income stream from it, or was it sitting in, He like, a was going to. He mhmm. at the time he passed away, he hadn't actually retired yet. He was Okay. in the process of retiring, Okay. but it was still active. He was still getting money into his super Okay. pretty much until the end. Okay. So probably accumulation phase. And he wasn't withdrawing anything from from his sofa? He hadn't yet. No. No. Okay. And how old is your mom? Hold on one. Good question. 71. 71. Yeah. Yep.","start_word":164,"end_word":683,"sentiment":"neutral","sentiment_score":-0.02549584746145858},{"text":"Perfect.","start_word":684,"end_word":684,"sentiment":"positive","sentiment_score":0.35674571990966797},{"text":"So, yeah, it it there is a bit of, I guess, complexities to it. So Yep. she can deny it. So even though it was a binding ops option going through her, she can still decide to not accept it if she wants to. If she doesn't, though, it would mean that it would probably go to the estate. And then in the estate, if you say that there is a will in place, the other Okay. things that can factor into how the money would be distributed. But it would kind of be obviously then up to the whole estate splitting on how that would be. And, obviously, people can come forth of trying to make a claim for it. So whether Mhmm.","start_word":685,"end_word":808,"sentiment":"neutral","sentiment_score":-0.1814250499010086},{"text":"that is yourself and your siblings or there is obviously a potential risk for other people trying to make a claim.","start_word":809,"end_word":829,"sentiment":"negative","sentiment_score":-0.43430790305137634},{"text":"If there is a will in place stipulating other distribution of assets, that is obviously stronger, but there is obviously that bit of a risk to it. If it is distributed through children over 18, and if there is no like, you guys, none of those siblings are studying or there is a, you know, disability because there's slightly different rules around that. Otherwise, if all children are over 18, irrespective of how you receive it, whether that's a direct nomination or through the will, you will have to pay tax. Yes. Now that is up to 30% and then 2% medical levy surcharge for the untaxed component. The tax Okay. elements, yeah, is 15 But it's not plus it's not like a added to your yearly sort of income or No. no.","start_word":830,"end_word":962,"sentiment":"neutral","sentiment_score":-0.20852404429500265},{"text":"No.","start_word":963,"end_word":963,"sentiment":"negative","sentiment_score":-0.34985387325286865},{"text":"You don't you don't get taxed on inheritance. It's just what you do with it depending on what you do. But, like, if you receive an inheritance, if that is super contribution or life insurance policy payout, whatever it might be, you don't pay tax on it. Just when you receive it, you will pay tax because you are a taxable dependent under it. Okay. And that's 30 So percent. Up to 30 sorry. It's about 30 through, including the medical levy surcharge for the untax components. That will be for each or each of each of you if you're over 18. And then if he has a tax element, it will be 15 plus the Medicare. But most of the time, the biggest component will sit in a in an untaxed component, Mhmm. like, from contributions and stuff like that. So it will be, yeah, up to 32% that each of you will have to pay on the benefit if you receive it directly from super. Now if it is paid to your mom and she was the spouse, it's tax free. She can then obviously distribute it however she wants. The the sticky point is obviously, like you said, her age pension. Because if she receives the money directly, then it will count under the asset test, under Centrelink assessment. Now even if she she receives it today and tomorrow she gives it to you guys, it will still count for five years that she has it even though she doesn't. Yeah. Now, obviously, the how much it affects depends on, obviously, her assets and her income. And if she's, you know, a home owner or non homeowner, there is different rules for how much. Also, is is she still working? No. She needs Your to mom? return. Yeah. Because it would also then kind of depend on affecting it from a Centrelink point of view is if she just gets the super transferred directly into her super in an accumulation phase, it doesn't affect the Centrelink. But if it's in a pension phase, it will. And there is certain age requirements as well where you have to start drawing things. And if she's not working and drawing a bit of an income from the super, then I imagine that most of that will fit in a pension fee. Yeah. Yeah. It would yeah. It's not working anymore, so it would be in the pension. Yeah. So, yeah, there is obviously a bit to think about. It will potentially does impact her age pension depending on how much it is. Do you know how much it is? I think in total, it's about 3 yeah. It was between 3 and 4. I think it was Okay. $3.50 roughly. $350,000. Yeah. Okay. And does she own a home? Do you know? She does. Yes. It Yeah. was Okay. a joint home, but Yep. that got signed over to her. Yeah. Because in under the asset center and test, if you are a single homeowner, it's starts getting assessed if you get to 330 321,500, but that's also including any other assets. So if you like a car or anything like that. So it Yes. definitely will obviously impact to some way if she receives it directly. Yeah. Then the other side is if she denies it and it goes to the estate and you guys will receive it, then you will have to pay tax on it. Yep. I can pop all of this kind of in a general email for you if you would like because I know it's probably a Yeah. lot That to kind would of be that would be take very in helpful. this. Yeah. Yeah. And, yeah, it it is obviously, yeah, a bit complex, especially when it comes through inheriting stuff. Well, it depends on the stuff like that. So I'll put I'll put a couple of links and stuff, and I'll put it in an email for you.","start_word":964,"end_word":1629,"sentiment":"neutral","sentiment_score":-0.019084628923116503},{"text":"Otherwise, I can also like, there is a lot of people at Centrelink that will be able to assist her as well in in determining things.","start_word":1630,"end_word":1655,"sentiment":"positive","sentiment_score":0.3744703233242035},{"text":"But if it is that she wants a bit more, like, if she would like financial advice and how to go with it and exactly how much is going to impact her age pension and and different strategies to potentially minimize that.","start_word":1656,"end_word":1697,"sentiment":"neutral","sentiment_score":0.16597482562065125},{"text":"If it is that she will receive it, then if she is interested, I will be more than happy to get a team to reach out to her and see if we can have a bit of a chat to her and come up with some strategies and stuff for her if it is something that she is interested in in looking at exploring further and getting proper financial advice for it.","start_word":1698,"end_word":1769,"sentiment":"positive","sentiment_score":0.4966595470905304},{"text":"Yep. Do you know if that's something she would be interested in, or you just have to maybe have a bit of a chat to her?","start_word":1770,"end_word":1795,"sentiment":"neutral","sentiment_score":0.13202215731143951},{"text":"I'll I haven't I haven't talked to her, but, yeah, it's just a bit confusing.","start_word":1796,"end_word":1810,"sentiment":"negative","sentiment_score":-0.3568482995033264},{"text":"We I was sort of Yeah. going through a solicitor, but Yep.","start_word":1811,"end_word":1822,"sentiment":"neutral","sentiment_score":-0.29656243324279785},{"text":"he was kind of giving us the wrong forms, and so I wasn't too sure how to proceed Okay.","start_word":1823,"end_word":1841,"sentiment":"negative","sentiment_score":-0.4969376027584076},{"text":"with it. Yep. Yeah. So I also don't know how far he's gone with that as well. Yeah. Have you already engaged in his services? It I was for the other stuff, like, Mhmm. CSA, Okay. and he was looking into the super, but I'm not sure Okay. if he's done anything or not.","start_word":1842,"end_word":1895,"sentiment":"neutral","sentiment_score":-0.11972973495721816},{"text":"I don't think he has I think there was a form, but it wasn't the correct form in the end, so I don't think anything's been Mhmm.","start_word":1896,"end_word":1922,"sentiment":"negative","sentiment_score":-0.34797418117523193},{"text":"actioned Okay. as of yet. Yeah. Would you like me to send you I mean, if you already work from them, it can be tricky. But would you like me to send you in the email a contact detail of one of the lawyers that we work very closely with if you want a a second opinion on things? Yeah.","start_word":1923,"end_word":1982,"sentiment":"neutral","sentiment_score":0.021488739550113677},{"text":"That'd be good.","start_word":1983,"end_word":1985,"sentiment":"positive","sentiment_score":0.4745759665966034},{"text":"Yeah. Yeah. I will send you their their pricing guide as well. Most of it is just to set up a will and stuff like that. You can Yep. always just give them a call and have a bit of a chat to them first, obviously, and see what they say. And then if you do talk to your mom and she would kind of want a bit more, I guess, financial advice on, okay, how to do with the money to tryna maximize the age pension and what to do if it is that you go down that way. You can even just respond to the email with her best phone number, contact time, whether whether that is contacting you and you are with her, then we are more than happy to do talk to her as well if it is something she is interested in afterwards as well. Yeah. So, yeah, I will work on this email for you. It might not be today, and I'm not in the office tomorrow. I will try today. If not, it will be Monday, if that's okay. Not a problem at Yep.","start_word":1986,"end_word":2176,"sentiment":"neutral","sentiment_score":0.1521139144897461},{"text":"Perfect.","start_word":2177,"end_word":2177,"sentiment":"positive","sentiment_score":0.6477885246276855},{"text":"Do you have any other questions, or was there anything else that you kind of needed from me today? all. No. That's that's it, I think. That's it? Yeah. Okay.","start_word":2178,"end_word":2207,"sentiment":"neutral","sentiment_score":0.13644208014011383},{"text":"Perfect.","start_word":2208,"end_word":2208,"sentiment":"positive","sentiment_score":0.359525203704834},{"text":"If you do think of anything else, you can either just respond to the email directly or call the office, and we can always have, you know, another conversation as well. Okay.","start_word":2209,"end_word":2240,"sentiment":"neutral","sentiment_score":0.20794500410556793},{"text":"No problem. Thank Yeah. you very much Perfect. for your help. No. That is no problem at all, Anthony. I hope you enjoy the rest of your day.","start_word":2241,"end_word":2268,"sentiment":"positive","sentiment_score":0.6047075986862183},{"text":"And like I said, if there's anything else you need, obviously, throughout this, just don't hesitate to give me a call.","start_word":2269,"end_word":2289,"sentiment":"neutral","sentiment_score":0.14719125628471377},{"text":"No problem. Thank you. No problem at all. We'll speak soon.","start_word":2290,"end_word":2300,"sentiment":"positive","sentiment_score":0.5241237282752991},{"text":"Bye. Bye.","start_word":2301,"end_word":2302,"sentiment":"neutral","sentiment_score":0.20338261127471924}],"average":{"sentiment":"neutral","sentiment_score":0.004600449890852958}}}}