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Fantastic. Before we jump into the call then, Neil, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And, also, just to do a quick security check there with you as well, just to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Lovely. Thank you so much for that. So, Neil, with regard to the catch up, now we did that advice for you a few months back, and you're almost time to retire. So you can do that lump sum withdrawal. How's everything going? Have you given notice? Is your retirement date still coming up? We had beautiful. Beautiful. Thursday. Lovely. Now with the advice piece, we've done the investment switch, which is fantastic in both of your accounts. You still got your TTR open there. So with the first part of the advice, and I know we're gonna look at restructuring the rest of the advice, but we can look at that maybe in a couple of weeks. We'll just get this first strategy done for you, which is essentially too. As of the July 1, we roll back your TTR pension into accumulation and then roll back. So we'll probably do that roll back. Are you able to double check, or do you know when your last employer contribution should be going into your super as of yet? Tuesday next week. Perfect. Beautiful. What we'll do is I'll get the team at the end of this week to do up the forms for you to complete the rollback of your TCR pension into super. Would you like me to make sure you get one more pension paid down from your TTR pension before we roll back that back, or would you like to just have it done? Yep. Beautiful. Just to make sure that we do this in accordance with don't wanna leave you short of money. Make sure we get that done. So, yeah, the next one due on the '20 fourth of the sixth for another $5.05 99 and 15¢ there. So I'll get the team to do up the forms that we need. We'll make sure they are submitted after the last pension payment for this financial year goes through. That rolls the account based pension back into accumulation. And then once it all goes back into your super, just making sure your last contribution comes in, and then we'll roll the full amount into the full account based pension so we can draw down that 160,000. Does that make sense? Yes. Beautiful. I know the rest of the strategy there was to obviously stay in the account based pension phase. I know you were also considering after that point the possibility of, you know, going back to work. Did you want me to maybe do a bit of a catch up with you then and see if you want extra or if you need extra regular pension payments being drawn down, or what's the plan moving forward? Yeah. That's okay. Just with income you're right. So sorry. Go ahead. No. No. What were you gonna say? Just in case it might answer my question. Okay. Okay. Perfect. Perfect. Yeah. No. That's okay. Do you know how long you might be wanting to have a rest for? How long you'll Yep. Okay. Cool. Because just sort of going through, having a look at strategy. So you're meant to get all of your sudden long service leave annual leave pay paid out, and having a look at what we sort of assessed, that was gonna give you enough income for, you know, basically until Carolyn turns 60. Is that still the case with those payments? Do you feel like, again, it'd be a fairly good buffer for you? Yep. Beautiful. Well, what we might do is I will organize that one sixty. When we kinda get it all open, I'll organize that $1.60, as I said, to be paid down as the income payment there for you so you've met that requirement. And then if you like, once we get the account opened, I can then maybe just book you in for another quick catch up. We can talk then about how to proceed because I know you just wanted to reassess the rest of the advice piece. We can talk then about, you know, reassessing the advice piece and maybe updating that strategy and looking at what Carolyn wants to do when she turns 60 as well. Does that sound okay with you? Or Yep. Beautiful. Now I fully suspect that we should be right to probably I wanna book you in now. That way, I don't book up my calendar and you don't get left out. Just having a look. So now you retire on Thursday, which is so exciting. If we get the forms all sorted for you at the end of this week, we should be able to send off and have organized for you next week, which is essentially the first week of July. If I maybe book you in for a catch up, say, Monday, July 6. Would that be okay? Yep. Beautiful. Now you will technically be fully retired then. I normally call you at sort of 04:00 your time in the afternoon. Would a call earlier in the day be okay, or would you still prefer something this time of the afternoon? Yep. Excellent. What if I book it in for you for now? This is 02:30 my time, which is 12:30 your time. Would that be okay, or do you wanna be further after lunch? Is that okay? Yep. Fantastic. I'll book that one in for you. That way because I know we sort of went through the first part of the strategy getting that 160 paid down and covering your mortgage. That was kind of the main priority of the strategy, and then just reassessing what happens when Carolyn turns 60, And maybe if you decide to, you know when you decide to maybe go back to work, if you don't need the pension account open, we look at maybe moving that back and what to sort of do there. So let's reassess that part of the strategy then, but we'll get this pension rollback sorted, get that $1.60 paid down so you can pay off your mortgage completely. Okay? Perfect. Now do you have any questions in relation to the strategy at all? Or no. No. That's okay. Do you have any other questions for me or anything you wanted me to look at, or is everything still okay? Oh, wow. That is new. Okay. Wow. No. Yeah. Okay. And what kinda hours is Caroline gonna be working? Yeah. Yeah. Okay. Yeah. Absolutely. So at the moment, do you think on on that Monday, is Carolyn gonna be available then? Because it'll probably be good to sort of assess her goals at the same time, or did you want me to make it in the afternoon? Or yep. Okay. Beautiful. Yeah. Well, if you're both available then at that 12:30 your time, 10:30 sorry. 02:30 my time. We'll have a bit of a catch, and we'll see how things are going. Because, yeah, obviously, the strategy was that Carolyn was gonna retire at 60 when she does turn 60 there, but she may not want to anymore. So it'll be good to kind of gauge on what you're thinking you'd like to do down that track, and we'll see how we can sort of move forward for you. Okay? Beautiful. Definitely something for her to think about. I love that. Wow. Oh, yeah. Yeah. Yeah. Understandable. Is it the same kind of work, or is it completely different? Yep. Wow. Very different, isn't it? Well, well, I hope she enjoys that. Does she need us to send her the contributions form for her new employer at all? Well, because we can get the the con I'll get the team just to get the contributions form from Netwealth anyway if you like and email it through to her. That way, the contributions form is sent just to make it a bit easier. So when they ask for it, she'll have that information. Is that okay? Beautiful. I'll get that sorted. Not an issue at all. In the meantime, I've booked you both in for another catch up around the July 6 at 02:30 Queensland time, which is 12:30 your time. And in the meantime, we'll get that last pension payment drawn down on Thursday, the twenty fourth for Wednesday, the twenty fourth for you. And then after that, we'll get the forms done up so we can do the pension rollback into accumulation and make sure your last pension last contribution comes into super, and then we can start rolling over the money into the account based pension for you and draw down that $1.60 so you can pay your mortgage off. Does that sound alright? All good so far? Yep. Beautiful. The rest of the strategy, I'll put on hold, and we'll we'll discuss that, make it easier on you. Yep. Sure. You probably, technically you don't technically need one because we're just gonna tick a box to say that you've met the condition of release. They're just gonna ask for your last day of work. When is technically your last day of work? Is it gonna be the twenty third or the '20 fourth? Okay. I'm so sorry. Oh, okay. I love that, actually. That's fantastic. Yep. No. That's okay. Yeah. Yep. Yeah. No. It's not accrued the same way. So they don't normally pay it out. Yeah. No. Absolutely. So what what I'll do is I'll tick on that form that you'll because you'll you'll technically, your date of retirement is the twenty fourth. We'll tick that that is the date on that form for you. And the team the admin team will just be in contact to get your bank details. I don't wanna sorta hold those on paper or anything until we need them. So when they're doing that up, they'll call and get your bank information so we can or we should have a on file here. So if they need it, they'll give you a call. If not, we might just confirm that you've got the bank details on file. I actually should be able to do that for you now. Let's see if I can have a look at the last application form for you, Neil. Might save you some time. What have we got? Super. I believe it should have been on this other pension application form when we did your transition to retirement application form, but perfect. Yeah. Did you want us to go into a different account or to be okay? Yep. That's okay. So the one I have on file is ending in 665. It's a NAB account. Is that the one that you're gonna wanna use? Yep. Beautiful. I'll have the team do up the bank account information with the same details. I'll get them to give you a call, let you know when they're sending through those forms for you, But we'll let that first pen that last pension payment draw down so you're not short of anything. And then we'll get that rollback sorted, and we'll keep you in keep you in the loop of what's happening. Okay? Beautiful. Beautiful. Well, thank you so much for the catch up. We'll get this started and sorted and get that pension drawn down so you can pay off your mortgage and be completely debt free. It's a nice feeling. Oh, that'll are you gonna do anything to celebrate, go out for dinner, or anything fun? I think you should. A lot of people feel like they're never gonna be debt free, so it's definitely an accomplishment. You should both be very happy with that. And, yeah, do something to celebrate. Enjoy yourself. Fantastic. Well, I will let you go. I really appreciate you taking my call. We'll get started on all of that, and I'll get the team to touch base as we're going through the process for you. And I'll touch base again on the sixth at 02:30 to have a chat with you both and reassess your goals and the advice moving forward. Okay? Beautiful. Thank you so much for taking my call. And if you need anything new, you let me know. I'm always happy to help. My pleasure. Enjoy your evening. Thanks so much. See you later. 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Neil. It's Dana from OKIE Financial. How are you? I'm very well. Thank you.\n\nThanks for asking. I had you booked in for a bit of a quick catch up this afternoon. Is now still a good time? Fantastic. Before we jump into the call then, Neil, just to let you know, we do record our calls for quality and training purposes.\n\nAre you happy for me to proceed with that? Fantastic. And, also, just to do a quick security check there with you as well, just to confirm your full name, your date of birth, and address I should have on file. Yep. Yep.\n\nLovely. Thank you so much for that. So, Neil, with regard to the catch up, now we did that advice for you a few months back, and you're almost time to retire. So you can do that lump sum withdrawal. How's everything going?\n\nHave you given notice? Is your retirement date still coming up? We had beautiful. Beautiful. Thursday.\n\nLovely. Now with the advice piece, we've done the investment switch, which is fantastic in both of your accounts. You still got your TTR open there. So with the first part of the advice, and I know we're gonna look at restructuring the rest of the advice, but we can look at that maybe in a couple of weeks. We'll just get this first strategy done for you, which is essentially too.\n\nAs of the July 1, we roll back your TTR pension into accumulation and then roll back. So we'll probably do that roll back. Are you able to double check, or do you know when your last employer contribution should be going into your super as of yet? Tuesday next week. Perfect.\n\nBeautiful. What we'll do is I'll get the team at the end of this week to do up the forms for you to complete the rollback of your TCR pension into super. Would you like me to make sure you get one more pension paid down from your TTR pension before we roll back that back, or would you like to just have it done? Yep. Beautiful.\n\nJust to make sure that we do this in accordance with don't wanna leave you short of money. Make sure we get that done. So, yeah, the next one due on the '20 fourth of the sixth for another $5.05 99 and 15¢ there. So I'll get the team to do up the forms that we need. We'll make sure they are submitted after the last pension payment for this financial year goes through.\n\nThat rolls the account based pension back into accumulation. And then once it all goes back into your super, just making sure your last contribution comes in, and then we'll roll the full amount into the full account based pension so we can draw down that 160,000. Does that make sense? Yes. Beautiful.\n\nI know the rest of the strategy there was to obviously stay in the account based pension phase. I know you were also considering after that point the possibility of, you know, going back to work. Did you want me to maybe do a bit of a catch up with you then and see if you want extra or if you need extra regular pension payments being drawn down, or what's the plan moving forward? Yeah. That's okay.\n\nJust with income you're right. So sorry. Go ahead. No. No.\n\nWhat were you gonna say? Just in case it might answer my question. Okay. Okay. Perfect.\n\nPerfect. Yeah. No. That's okay. Do you know how long you might be wanting to have a rest for?\n\nHow long you'll Yep. Okay. Cool. Because just sort of going through, having a look at strategy. So you're meant to get all of your sudden long service leave annual leave pay paid out, and having a look at what we sort of assessed, that was gonna give you enough income for, you know, basically until Carolyn turns 60.\n\nIs that still the case with those payments? Do you feel like, again, it'd be a fairly good buffer for you? Yep. Beautiful. Well, what we might do is I will organize that one sixty.\n\nWhen we kinda get it all open, I'll organize that $1.60, as I said, to be paid down as the income payment there for you so you've met that requirement. And then if you like, once we get the account opened, I can then maybe just book you in for another quick catch up. We can talk then about how to proceed because I know you just wanted to reassess the rest of the advice piece. We can talk then about, you know, reassessing the advice piece and maybe updating that strategy and looking at what Carolyn wants to do when she turns 60 as well. Does that sound okay with you?\n\nOr Yep. Beautiful. Now I fully suspect that we should be right to probably I wanna book you in now. That way, I don't book up my calendar and you don't get left out. Just having a look.\n\nSo now you retire on Thursday, which is so exciting. If we get the forms all sorted for you at the end of this week, we should be able to send off and have organized for you next week, which is essentially the first week of July. If I maybe book you in for a catch up, say, Monday, July 6. Would that be okay? Yep.\n\nBeautiful. Now you will technically be fully retired then. I normally call you at sort of 04:00 your time in the afternoon. Would a call earlier in the day be okay, or would you still prefer something this time of the afternoon? Yep.\n\nExcellent. What if I book it in for you for now? This is 02:30 my time, which is 12:30 your time. Would that be okay, or do you wanna be further after lunch? Is that okay?\n\nYep. Fantastic. I'll book that one in for you. That way because I know we sort of went through the first part of the strategy getting that 160 paid down and covering your mortgage. That was kind of the main priority of the strategy, and then just reassessing what happens when Carolyn turns 60, And maybe if you decide to, you know when you decide to maybe go back to work, if you don't need the pension account open, we look at maybe moving that back and what to sort of do there.\n\nSo let's reassess that part of the strategy then, but we'll get this pension rollback sorted, get that $1.60 paid down so you can pay off your mortgage completely. Okay? Perfect. Now do you have any questions in relation to the strategy at all? Or no.\n\nNo. That's okay. Do you have any other questions for me or anything you wanted me to look at, or is everything still okay? Oh, wow. That is new.\n\nOkay. Wow. No. Yeah. Okay.\n\nAnd what kinda hours is Caroline gonna be working? Yeah. Yeah. Okay. Yeah.\n\nAbsolutely. So at the moment, do you think on on that Monday, is Carolyn gonna be available then? Because it'll probably be good to sort of assess her goals at the same time, or did you want me to make it in the afternoon? Or yep. Okay.\n\nBeautiful. Yeah. Well, if you're both available then at that 12:30 your time, 10:30 sorry. 02:30 my time. We'll have a bit of a catch, and we'll see how things are going.\n\nBecause, yeah, obviously, the strategy was that Carolyn was gonna retire at 60 when she does turn 60 there, but she may not want to anymore. So it'll be good to kind of gauge on what you're thinking you'd like to do down that track, and we'll see how we can sort of move forward for you. Okay? Beautiful. Definitely something for her to think about.\n\nI love that. Wow. Oh, yeah. Yeah. Yeah.\n\nUnderstandable. Is it the same kind of work, or is it completely different? Yep. Wow. Very different, isn't it?\n\nWell, well, I hope she enjoys that. Does she need us to send her the contributions form for her new employer at all? Well, because we can get the the con I'll get the team just to get the contributions form from Netwealth anyway if you like and email it through to her. That way, the contributions form is sent just to make it a bit easier. So when they ask for it, she'll have that information.\n\nIs that okay? Beautiful. I'll get that sorted. Not an issue at all. In the meantime, I've booked you both in for another catch up around the July 6 at 02:30 Queensland time, which is 12:30 your time.\n\nAnd in the meantime, we'll get that last pension payment drawn down on Thursday, the twenty fourth for Wednesday, the twenty fourth for you. And then after that, we'll get the forms done up so we can do the pension rollback into accumulation and make sure your last pension last contribution comes into super, and then we can start rolling over the money into the account based pension for you and draw down that $1.60 so you can pay your mortgage off. Does that sound alright? All good so far? Yep.\n\nBeautiful. The rest of the strategy, I'll put on hold, and we'll we'll discuss that, make it easier on you. Yep. Sure. You probably, technically you don't technically need one because we're just gonna tick a box to say that you've met the condition of release.\n\nThey're just gonna ask for your last day of work. When is technically your last day of work? Is it gonna be the twenty third or the '20 fourth? Okay. I'm so sorry.\n\nOh, okay. I love that, actually. That's fantastic. Yep. No.\n\nThat's okay. Yeah. Yep. Yeah. No.\n\nIt's not accrued the same way. So they don't normally pay it out. Yeah. No. Absolutely.\n\nSo what what I'll do is I'll tick on that form that you'll because you'll you'll technically, your date of retirement is the twenty fourth. We'll tick that that is the date on that form for you. And the team the admin team will just be in contact to get your bank details. I don't wanna sorta hold those on paper or anything until we need them. So when they're doing that up, they'll call and get your bank information so we can or we should have a on file here.\n\nSo if they need it, they'll give you a call. If not, we might just confirm that you've got the bank details on file. I actually should be able to do that for you now. Let's see if I can have a look at the last application form for you, Neil. Might save you some time.\n\nWhat have we got? Super. I believe it should have been on this other pension application form when we did your transition to retirement application form, but perfect. Yeah. Did you want us to go into a different account or to be okay?\n\nYep. That's okay. So the one I have on file is ending in 665. It's a NAB account. Is that the one that you're gonna wanna use?\n\nYep. Beautiful. I'll have the team do up the bank account information with the same details. I'll get them to give you a call, let you know when they're sending through those forms for you, But we'll let that first pen that last pension payment draw down so you're not short of anything. And then we'll get that rollback sorted, and we'll keep you in keep you in the loop of what's happening.\n\nOkay? Beautiful. Beautiful. Well, thank you so much for the catch up. We'll get this started and sorted and get that pension drawn down so you can pay off your mortgage and be completely debt free.\n\nIt's a nice feeling. Oh, that'll are you gonna do anything to celebrate, go out for dinner, or anything fun? I think you should. A lot of people feel like they're never gonna be debt free, so it's definitely an accomplishment. You should both be very happy with that.\n\nAnd, yeah, do something to celebrate. Enjoy yourself. Fantastic. Well, I will let you go. I really appreciate you taking my call.\n\nWe'll get started on all of that, and I'll get the team to touch base as we're going through the process for you. And I'll touch base again on the sixth at 02:30 to have a chat with you both and reassess your goals and the advice moving forward. Okay? Beautiful. Thank you so much for taking my call.\n\nAnd if you need anything new, you let me know. I'm always happy to help. My pleasure. Enjoy your evening. Thanks so much.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Neil.","start":2.0,"end":2.56,"sentiment":"neutral","sentiment_score":0.08486498147249222},{"text":"It's Dana from OKIE Financial.","start":2.56,"end":4.02,"sentiment":"neutral","sentiment_score":0.12279773056507111},{"text":"How are you?","start":4.16,"end":4.98,"sentiment":"neutral","sentiment_score":0.1321606437365214},{"text":"I'm very well.","start":7.2,"end":8.16,"sentiment":"positive","sentiment_score":0.4587135811646779},{"text":"Thank you.","start":8.16,"end":8.559999,"sentiment":"positive","sentiment_score":0.5967157185077667}],"sentiment":"neutral","sentiment_score":0.24998484849929808,"num_words":15,"start":2.0,"end":8.559999},{"sentences":[{"text":"Thanks for asking.","start":8.559999,"end":9.28,"sentiment":"positive","sentiment_score":0.5702506502469381},{"text":"I had you booked in for a bit of a quick catch up this afternoon.","start":9.28,"end":11.759999,"sentiment":"neutral","sentiment_score":0.18893710970878602},{"text":"Is now still a good time?","start":11.759999,"end":13.139999,"sentiment":"neutral","sentiment_score":0.15186728164553642},{"text":"Fantastic.","start":14.905001,"end":15.405001,"sentiment":"positive","sentiment_score":0.4880118370056152},{"text":"Before we jump into the call then, Neil, just to let you know, we do record our calls for quality and training purposes.","start":16.025,"end":20.745,"sentiment":"neutral","sentiment_score":0.1518406233061915}],"sentiment":"neutral","sentiment_score":0.19659080123528838,"num_words":48,"start":8.559999,"end":20.745},{"sentences":[{"text":"Are you happy for me to proceed with that?","start":20.745,"end":22.765,"sentiment":"neutral","sentiment_score":0.17243080337842306},{"text":"Fantastic.","start":25.064999,"end":25.564999,"sentiment":"positive","sentiment_score":0.5148599147796631},{"text":"And, also, just to do a quick security check there with you as well, just to confirm your full name, your date of birth, and address I should have on file.","start":25.865,"end":32.269997,"sentiment":"neutral","sentiment_score":0.16384237908547925},{"text":"Yep.","start":34.969997,"end":35.469997,"sentiment":"neutral","sentiment_score":0.026736248284578323},{"text":"Yep.","start":38.01,"end":38.51,"sentiment":"neutral","sentiment_score":0.02700778096914291}],"sentiment":"neutral","sentiment_score":0.16743244014160577,"num_words":43,"start":20.745,"end":38.51},{"sentences":[{"text":"Lovely.","start":40.265,"end":40.664997,"sentiment":"positive","sentiment_score":0.34941351413726807},{"text":"Thank you so much for that.","start":40.664997,"end":42.285,"sentiment":"positive","sentiment_score":0.49321697652339935},{"text":"So, Neil, with regard to the catch up, now we did that advice for you a few months back, and you're almost time to retire.","start":42.344997,"end":49.864998,"sentiment":"neutral","sentiment_score":0.12297615021467209},{"text":"So you can do that lump sum withdrawal.","start":49.864998,"end":51.725,"sentiment":"neutral","sentiment_score":0.1295636733993888},{"text":"How's everything going?","start":52.68,"end":54.12,"sentiment":"neutral","sentiment_score":0.055533360689878464}],"sentiment":"neutral","sentiment_score":0.17642392088160957,"num_words":43,"start":40.265,"end":54.12},{"sentences":[{"text":"Have you given notice?","start":54.12,"end":55.4,"sentiment":"neutral","sentiment_score":0.01387452194467187},{"text":"Is your retirement date still coming up?","start":55.4,"end":57.98,"sentiment":"neutral","sentiment_score":0.00996711863470929},{"text":"We had beautiful.","start":59.64,"end":63.18,"sentiment":"neutral","sentiment_score":0.1526512118677298},{"text":"Beautiful.","start":63.4,"end":63.9,"sentiment":"positive","sentiment_score":0.3802134096622467},{"text":"Thursday.","start":67.134995,"end":67.634995,"sentiment":"neutral","sentiment_score":0.1729203462600708}],"sentiment":"neutral","sentiment_score":0.07102220685919747,"num_words":16,"start":54.12,"end":67.634995},{"sentences":[{"text":"Lovely.","start":68.814995,"end":69.314995,"sentiment":"neutral","sentiment_score":0.29328271746635437},{"text":"Now with the advice piece, we've done the investment switch, which is fantastic in both of your accounts.","start":70.174995,"end":75.05499,"sentiment":"neutral","sentiment_score":0.29988829957114327},{"text":"You still got your TTR open there.","start":75.05499,"end":77.155,"sentiment":"neutral","sentiment_score":0.10720847121306828},{"text":"So with the first part of the advice, and I know we're gonna look at restructuring the rest of the advice, but we can look at that maybe in a couple of weeks.","start":77.36,"end":84.4,"sentiment":"neutral","sentiment_score":0.05478581029808882},{"text":"We'll just get this first strategy done for you, which is essentially too.","start":84.4,"end":89.28,"sentiment":"neutral","sentiment_score":0.0627008957358507}],"sentiment":"neutral","sentiment_score":0.12589964989779723,"num_words":72,"start":68.814995,"end":89.28},{"sentences":[{"text":"As of the July 1, we roll back your TTR pension into accumulation and then roll back.","start":89.28,"end":97.695,"sentiment":"neutral","sentiment_score":0.006057158550795387},{"text":"So we'll probably do that roll back.","start":97.695,"end":100.034996,"sentiment":"neutral","sentiment_score":0.04974483272859028},{"text":"Are you able to double check, or do you know when your last employer contribution should be going into your super as of yet?","start":100.174995,"end":106.755,"sentiment":"neutral","sentiment_score":0.036130290400857724},{"text":"Tuesday next week.","start":114.94,"end":116.14,"sentiment":"neutral","sentiment_score":0.05537384500106176},{"text":"Perfect.","start":116.14,"end":116.64,"sentiment":"neutral","sentiment_score":0.23662978410720825}],"sentiment":"neutral","sentiment_score":0.0330973810229737,"num_words":52,"start":89.28,"end":116.64},{"sentences":[{"text":"Beautiful.","start":120.515,"end":121.015,"sentiment":"positive","sentiment_score":0.6240241527557373},{"text":"What we'll do is I'll get the team at the end of this week to do up the forms for you to complete the rollback of your TCR pension into super.","start":121.155,"end":131.415,"sentiment":"neutral","sentiment_score":0.137699500928002},{"text":"Would you like me to make sure you get one more pension paid down from your TTR pension before we roll back that back, or would you like to just have it done?","start":131.73001,"end":141.67,"sentiment":"neutral","sentiment_score":0.05961842643040599},{"text":"Yep.","start":147.185,"end":147.585,"sentiment":"neutral","sentiment_score":0.1612614095211029},{"text":"Beautiful.","start":147.585,"end":148.085,"sentiment":"positive","sentiment_score":0.5148853063583374}],"sentiment":"neutral","sentiment_score":0.11248154432248714,"num_words":67,"start":120.515,"end":148.085},{"sentences":[{"text":"Just to make sure that we do this in accordance with don't wanna leave you short of money.","start":148.225,"end":152.46501,"sentiment":"neutral","sentiment_score":0.15415029600262642},{"text":"Make sure we get that done.","start":152.46501,"end":153.74501,"sentiment":"neutral","sentiment_score":0.26344988495111465},{"text":"So, yeah, the next one due on the '20 fourth of the sixth for another $5.05 99 and 15¢ there.","start":153.74501,"end":161.5,"sentiment":"neutral","sentiment_score":0.10439619029823102},{"text":"So I'll get the team to do up the forms that we need.","start":161.64,"end":164.86,"sentiment":"neutral","sentiment_score":0.13760471229369825},{"text":"We'll make sure they are submitted after the last pension payment for this financial year goes through.","start":165.08,"end":170.94,"sentiment":"neutral","sentiment_score":0.10547644316273577}],"sentiment":"neutral","sentiment_score":0.1359026444795197,"num_words":74,"start":148.225,"end":170.94},{"sentences":[{"text":"That rolls the account based pension back into accumulation.","start":171.335,"end":174.955,"sentiment":"neutral","sentiment_score":0.12713311033116448},{"text":"And then once it all goes back into your super, just making sure your last contribution comes in, and then we'll roll the full amount into the full account based pension so we can draw down that 160,000.","start":175.33499,"end":188.01999,"sentiment":"neutral","sentiment_score":0.08900223015562485},{"text":"Does that make sense?","start":188.01999,"end":189.08,"sentiment":"neutral","sentiment_score":0.04645622428506613},{"text":"Yes.","start":190.73999,"end":191.06,"sentiment":"neutral","sentiment_score":0.17737258970737457},{"text":"Beautiful.","start":191.06,"end":191.56,"sentiment":"positive","sentiment_score":0.39023539423942566}],"sentiment":"neutral","sentiment_score":0.09961727584870357,"num_words":53,"start":171.335,"end":191.56},{"sentences":[{"text":"I know the rest of the strategy there was to obviously stay in the account based pension phase.","start":192.26,"end":197.56,"sentiment":"neutral","sentiment_score":0.12276959212289916},{"text":"I know you were also considering after that point the possibility of, you know, going back to work.","start":198.01999,"end":203.165,"sentiment":"neutral","sentiment_score":0.030437254243426852},{"text":"Did you want me to maybe do a bit of a catch up with you then and see if you want extra or if you need extra regular pension payments being drawn down, or what's the plan moving forward?","start":203.465,"end":216.56,"sentiment":"neutral","sentiment_score":0.029804257914806023},{"text":"Yeah.","start":217.1,"end":217.6,"sentiment":"neutral","sentiment_score":0.041240155696868896},{"text":"That's okay.","start":219.58,"end":220.40001,"sentiment":"neutral","sentiment_score":0.05096905305981636}],"sentiment":"neutral","sentiment_score":0.05209317378317698,"num_words":78,"start":192.26,"end":220.40001},{"sentences":[{"text":"Just with income you're right.","start":222.22,"end":224.14,"sentiment":"neutral","sentiment_score":0.03612308204174042},{"text":"So sorry.","start":224.14,"end":224.62001,"sentiment":"neutral","sentiment_score":-0.05699796788394451},{"text":"Go ahead.","start":224.62001,"end":225.28,"sentiment":"neutral","sentiment_score":-0.038512470200657845},{"text":"No.","start":226.605,"end":226.845,"sentiment":"neutral","sentiment_score":-0.17262497544288635},{"text":"No.","start":226.845,"end":227.345,"sentiment":"neutral","sentiment_score":-0.18114522099494937}],"sentiment":"neutral","sentiment_score":-0.03310687839984894,"num_words":11,"start":222.22,"end":227.345},{"sentences":[{"text":"What were you gonna say?","start":227.485,"end":228.605,"sentiment":"neutral","sentiment_score":-0.14785507172346116},{"text":"Just in case it might answer my question.","start":228.605,"end":230.385,"sentiment":"neutral","sentiment_score":-0.08800401259213686},{"text":"Okay.","start":236.285,"end":236.785,"sentiment":"neutral","sentiment_score":0.004262711852788925},{"text":"Okay.","start":236.845,"end":237.345,"sentiment":"neutral","sentiment_score":0.04424843192100525},{"text":"Perfect.","start":237.565,"end":238.065,"sentiment":"neutral","sentiment_score":0.2930999994277954}],"sentiment":"neutral","sentiment_score":-0.06885601975955069,"num_words":16,"start":227.485,"end":238.065},{"sentences":[{"text":"Perfect.","start":238.605,"end":239.105,"sentiment":"positive","sentiment_score":0.3365204632282257},{"text":"Yeah.","start":241.06999,"end":241.46999,"sentiment":"neutral","sentiment_score":0.014159316197037697},{"text":"No.","start":241.46999,"end":241.70999,"sentiment":"neutral","sentiment_score":-0.041788529604673386},{"text":"That's okay.","start":241.70999,"end":242.26999,"sentiment":"neutral","sentiment_score":0.29038047790527344},{"text":"Do you know how long you might be wanting to have a rest for?","start":242.26999,"end":245.79,"sentiment":"neutral","sentiment_score":0.03673956809299333}],"sentiment":"neutral","sentiment_score":0.07389506099647597,"num_words":19,"start":238.605,"end":245.79},{"sentences":[{"text":"How long you'll Yep.","start":245.79,"end":253.08499,"sentiment":"neutral","sentiment_score":0.02099620772060007},{"text":"Okay.","start":253.08499,"end":253.405,"sentiment":"neutral","sentiment_score":0.2898714244365692},{"text":"Cool.","start":253.405,"end":253.72499,"sentiment":"positive","sentiment_score":0.4620236158370972},{"text":"Because just sort of going through, having a look at strategy.","start":253.72499,"end":256.125,"sentiment":"neutral","sentiment_score":0.175220401449637},{"text":"So you're meant to get all of your sudden long service leave annual leave pay paid out, and having a look at what we sort of assessed, that was gonna give you enough income for, you know, basically until Carolyn turns 60.","start":256.125,"end":268.41,"sentiment":"neutral","sentiment_score":0.07682086882137117}],"sentiment":"neutral","sentiment_score":0.10152170809490954,"num_words":59,"start":245.79,"end":268.41},{"sentences":[{"text":"Is that still the case with those payments?","start":268.71002,"end":270.63,"sentiment":"neutral","sentiment_score":0.045513096963986754},{"text":"Do you feel like, again, it'd be a fairly good buffer for you?","start":270.63,"end":273.77002,"sentiment":"neutral","sentiment_score":0.1274290680885315},{"text":"Yep.","start":275.43,"end":275.91,"sentiment":"neutral","sentiment_score":0.31854483485221863},{"text":"Beautiful.","start":275.91,"end":276.31,"sentiment":"positive","sentiment_score":0.5726372003555298},{"text":"Well, what we might do is I will organize that one sixty.","start":276.31,"end":281.50497,"sentiment":"neutral","sentiment_score":0.19678936526179314}],"sentiment":"neutral","sentiment_score":0.15066677369177342,"num_words":35,"start":268.71002,"end":281.50497},{"sentences":[{"text":"When we kinda get it all open, I'll organize that $1.60, as I said, to be paid down as the income payment there for you so you've met that requirement.","start":281.565,"end":288.94498,"sentiment":"neutral","sentiment_score":0.19519369453191757},{"text":"And then if you like, once we get the account opened, I can then maybe just book you in for another quick catch up.","start":289.965,"end":296.24,"sentiment":"neutral","sentiment_score":0.14028142609943947},{"text":"We can talk then about how to proceed because I know you just wanted to reassess the rest of the advice piece.","start":296.24,"end":301.78,"sentiment":"neutral","sentiment_score":0.1021758307787505},{"text":"We can talk then about, you know, reassessing the advice piece and maybe updating that strategy and looking at what Carolyn wants to do when she turns 60 as well.","start":302.0,"end":312.35498,"sentiment":"neutral","sentiment_score":0.08752748842040697},{"text":"Does that sound okay with you?","start":312.35498,"end":313.955,"sentiment":"neutral","sentiment_score":0.07043386623263359}],"sentiment":"neutral","sentiment_score":0.12963268919182674,"num_words":112,"start":281.565,"end":313.955},{"sentences":[{"text":"Or Yep.","start":313.955,"end":315.97498,"sentiment":"neutral","sentiment_score":0.14600814133882523},{"text":"Beautiful.","start":316.675,"end":317.175,"sentiment":"positive","sentiment_score":0.5212037563323975},{"text":"Now I fully suspect that we should be right to probably I wanna book you in now.","start":317.47498,"end":322.41,"sentiment":"neutral","sentiment_score":0.14048893092309728},{"text":"That way, I don't book up my calendar and you don't get left out.","start":322.41,"end":327.23,"sentiment":"neutral","sentiment_score":0.03822731253291879},{"text":"Just having a look.","start":328.09,"end":329.45,"sentiment":"neutral","sentiment_score":0.12717295996844769}],"sentiment":"neutral","sentiment_score":0.11172121263256199,"num_words":38,"start":313.955,"end":329.45},{"sentences":[{"text":"So now you retire on Thursday, which is so exciting.","start":329.45,"end":332.99,"sentiment":"positive","sentiment_score":0.37918474078178405},{"text":"If we get the forms all sorted for you at the end of this week, we should be able to send off and have organized for you next week, which is essentially the first week of July.","start":333.93,"end":343.635,"sentiment":"neutral","sentiment_score":0.19109834468847997},{"text":"If I maybe book you in for a catch up, say, Monday, July 6.","start":344.175,"end":352.43,"sentiment":"neutral","sentiment_score":0.12184757952179227},{"text":"Would that be okay?","start":352.43,"end":353.57,"sentiment":"neutral","sentiment_score":0.1243446134030819},{"text":"Yep.","start":355.31,"end":355.79,"sentiment":"neutral","sentiment_score":0.28281691670417786}],"sentiment":"neutral","sentiment_score":0.2022507218926242,"num_words":66,"start":329.45,"end":355.79},{"sentences":[{"text":"Beautiful.","start":355.79,"end":356.29,"sentiment":"positive","sentiment_score":0.5605884790420532},{"text":"Now you will technically be fully retired then.","start":356.43,"end":360.51,"sentiment":"neutral","sentiment_score":0.3030790714547038},{"text":"I normally call you at sort of 04:00 your time in the afternoon.","start":360.51,"end":364.21,"sentiment":"neutral","sentiment_score":0.020447220438374922},{"text":"Would a call earlier in the day be okay, or would you still prefer something this time of the afternoon?","start":364.685,"end":369.74503,"sentiment":"neutral","sentiment_score":-0.024768254673108458},{"text":"Yep.","start":370.36502,"end":370.86502,"sentiment":"neutral","sentiment_score":-0.044047288596630096}],"sentiment":"neutral","sentiment_score":0.06306098917022694,"num_words":43,"start":355.79,"end":370.86502},{"sentences":[{"text":"Excellent.","start":372.765,"end":373.265,"sentiment":"positive","sentiment_score":0.5063735246658325},{"text":"What if I book it in for you for now?","start":373.405,"end":376.14502,"sentiment":"neutral","sentiment_score":0.16105201095342636},{"text":"This is 02:30 my time, which is 12:30 your time.","start":376.36502,"end":381.56,"sentiment":"neutral","sentiment_score":0.03795959185808897},{"text":"Would that be okay, or do you wanna be further after lunch?","start":381.56,"end":384.54,"sentiment":"neutral","sentiment_score":0.020794730478276808},{"text":"Is that okay?","start":386.44,"end":387.41998,"sentiment":"neutral","sentiment_score":0.06361401826143265}],"sentiment":"neutral","sentiment_score":0.08157967703623904,"num_words":36,"start":372.765,"end":387.41998},{"sentences":[{"text":"Yep.","start":387.47998,"end":387.97998,"sentiment":"neutral","sentiment_score":0.08343625068664551},{"text":"Fantastic.","start":389.0,"end":389.5,"sentiment":"positive","sentiment_score":0.6990985870361328},{"text":"I'll book that one in for you.","start":389.8,"end":391.66,"sentiment":"positive","sentiment_score":0.5600001258509499},{"text":"That way because I know we sort of went through the first part of the strategy getting that 160 paid down and covering your mortgage.","start":392.055,"end":397.895,"sentiment":"neutral","sentiment_score":0.3133143365383148},{"text":"That was kind of the main priority of the strategy, and then just reassessing what happens when Carolyn turns 60, And maybe if you decide to, you know when you decide to maybe go back to work, if you don't need the pension account open, we look at maybe moving that back and what to sort of do there.","start":397.895,"end":415.22,"sentiment":"neutral","sentiment_score":0.12874402143692565}],"sentiment":"neutral","sentiment_score":0.21646549889156896,"num_words":93,"start":387.47998,"end":415.22},{"sentences":[{"text":"So let's reassess that part of the strategy then, but we'll get this pension rollback sorted, get that $1.60 paid down so you can pay off your mortgage completely.","start":415.22,"end":425.065,"sentiment":"neutral","sentiment_score":0.15418664828456682},{"text":"Okay?","start":425.52502,"end":426.02502,"sentiment":"neutral","sentiment_score":0.08241504430770874},{"text":"Perfect.","start":427.92502,"end":428.42502,"sentiment":"positive","sentiment_score":0.34222811460494995},{"text":"Now do you have any questions in relation to the strategy at all?","start":428.565,"end":431.92502,"sentiment":"neutral","sentiment_score":0.046517697091285996},{"text":"Or no.","start":431.92502,"end":435.78,"sentiment":"neutral","sentiment_score":-0.06431383453309536}],"sentiment":"neutral","sentiment_score":0.11678605113664399,"num_words":46,"start":415.22,"end":435.78},{"sentences":[{"text":"No.","start":435.78,"end":436.1,"sentiment":"neutral","sentiment_score":-0.14053449034690857},{"text":"That's okay.","start":436.1,"end":437.0,"sentiment":"neutral","sentiment_score":-0.11161776632070541},{"text":"Do you have any other questions for me or anything you wanted me to look at, or is everything still okay?","start":437.22,"end":441.8,"sentiment":"neutral","sentiment_score":-0.01901530030937422},{"text":"Oh, wow.","start":451.875,"end":452.61502,"sentiment":"neutral","sentiment_score":-0.04369524121284485},{"text":"That is new.","start":452.83502,"end":453.795,"sentiment":"neutral","sentiment_score":-0.0469881867369016}],"sentiment":"neutral","sentiment_score":-0.03418780593522664,"num_words":29,"start":435.78,"end":453.795},{"sentences":[{"text":"Okay.","start":453.795,"end":454.295,"sentiment":"neutral","sentiment_score":-0.028051836416125298},{"text":"Wow.","start":454.915,"end":455.415,"sentiment":"neutral","sentiment_score":-0.09628081321716309},{"text":"No.","start":459.16998,"end":459.66998,"sentiment":"neutral","sentiment_score":-0.1678398847579956},{"text":"Yeah.","start":460.13,"end":460.63,"sentiment":"neutral","sentiment_score":-0.119453065097332},{"text":"Okay.","start":464.37,"end":464.87,"sentiment":"neutral","sentiment_score":-0.0389464870095253}],"sentiment":"neutral","sentiment_score":-0.09011441729962825,"num_words":5,"start":453.795,"end":464.87},{"sentences":[{"text":"And what kinda hours is Caroline gonna be working?","start":465.33,"end":467.99,"sentiment":"neutral","sentiment_score":-0.07611676843629943},{"text":"Yeah.","start":475.58502,"end":476.08502,"sentiment":"neutral","sentiment_score":0.012379255145788193},{"text":"Yeah.","start":482.47998,"end":482.97998,"sentiment":"neutral","sentiment_score":0.006505339406430721},{"text":"Okay.","start":492.0,"end":492.5,"sentiment":"neutral","sentiment_score":0.06338492035865784},{"text":"Yeah.","start":492.72,"end":492.96,"sentiment":"neutral","sentiment_score":0.09337400645017624}],"sentiment":"neutral","sentiment_score":-0.039185184197357066,"num_words":13,"start":465.33,"end":492.96},{"sentences":[{"text":"Absolutely.","start":492.96,"end":493.46,"sentiment":"neutral","sentiment_score":0.14028388261795044},{"text":"So at the moment, do you think on on that Monday, is Carolyn gonna be available then?","start":493.91998,"end":499.955,"sentiment":"neutral","sentiment_score":0.02572941265123732},{"text":"Because it'll probably be good to sort of assess her goals at the same time, or did you want me to make it in the afternoon?","start":499.955,"end":505.41498,"sentiment":"neutral","sentiment_score":0.029013789097706858},{"text":"Or yep.","start":505.475,"end":513.83,"sentiment":"neutral","sentiment_score":-0.0014946130104362956},{"text":"Okay.","start":517.49,"end":517.97003,"sentiment":"neutral","sentiment_score":0.1518130004405975}],"sentiment":"neutral","sentiment_score":0.03150779124785294,"num_words":47,"start":492.96,"end":517.97003},{"sentences":[{"text":"Beautiful.","start":517.97003,"end":518.47003,"sentiment":"neutral","sentiment_score":0.3226397633552551},{"text":"Yeah.","start":518.61,"end":518.93,"sentiment":"neutral","sentiment_score":0.12713652849197388},{"text":"Well, if you're both available then at that 12:30 your time, 10:30 sorry.","start":518.93,"end":524.025,"sentiment":"neutral","sentiment_score":0.051211828079361185},{"text":"02:30 my time.","start":524.10504,"end":525.48505,"sentiment":"neutral","sentiment_score":0.028577717021107674},{"text":"We'll have a bit of a catch, and we'll see how things are going.","start":526.025,"end":528.42505,"sentiment":"neutral","sentiment_score":0.06197561163987432}],"sentiment":"neutral","sentiment_score":0.06465380534064025,"num_words":32,"start":517.97003,"end":528.42505},{"sentences":[{"text":"Because, yeah, obviously, the strategy was that Carolyn was gonna retire at 60 when she does turn 60 there, but she may not want to anymore.","start":528.42505,"end":536.205,"sentiment":"neutral","sentiment_score":0.00005069976815810517},{"text":"So it'll be good to kind of gauge on what you're thinking you'd like to do down that track, and we'll see how we can sort of move forward for you.","start":536.265,"end":544.62,"sentiment":"neutral","sentiment_score":0.0839455229861121},{"text":"Okay?","start":544.76,"end":545.26,"sentiment":"neutral","sentiment_score":0.05465305596590042},{"text":"Beautiful.","start":547.08,"end":547.58,"sentiment":"positive","sentiment_score":0.6350109577178955},{"text":"Definitely something for her to think about.","start":547.72003,"end":549.64,"sentiment":"positive","sentiment_score":0.49636134079524447}],"sentiment":"neutral","sentiment_score":0.10254276978472869,"num_words":66,"start":528.42505,"end":549.64},{"sentences":[{"text":"I love that.","start":549.64,"end":550.62,"sentiment":"positive","sentiment_score":0.5784165859222412},{"text":"Wow.","start":553.325,"end":553.825,"sentiment":"neutral","sentiment_score":-0.051329247653484344},{"text":"Oh, yeah.","start":553.96497,"end":559.985,"sentiment":"neutral","sentiment_score":-0.16242334991693497},{"text":"Yeah.","start":560.605,"end":561.105,"sentiment":"neutral","sentiment_score":-0.13711100816726685},{"text":"Yeah.","start":566.7,"end":567.2,"sentiment":"neutral","sentiment_score":-0.08322067558765411}],"sentiment":"neutral","sentiment_score":0.14234276581555605,"num_words":8,"start":549.64,"end":567.2},{"sentences":[{"text":"Understandable.","start":567.26,"end":567.76,"sentiment":"neutral","sentiment_score":-0.09943577647209167},{"text":"Is it the same kind of work, or is it completely different?","start":568.14,"end":571.04,"sentiment":"neutral","sentiment_score":-0.07478532164047162},{"text":"Yep.","start":576.06,"end":576.555,"sentiment":"neutral","sentiment_score":-0.032279640436172485},{"text":"Wow.","start":579.115,"end":579.615,"sentiment":"neutral","sentiment_score":-0.03292646259069443},{"text":"Very different, isn't it?","start":579.755,"end":582.495,"sentiment":"neutral","sentiment_score":-0.05290304496884346}],"sentiment":"neutral","sentiment_score":-0.06703567995052588,"num_words":19,"start":567.26,"end":582.495},{"sentences":[{"text":"Well, well, I hope she enjoys that.","start":582.83496,"end":585.27496,"sentiment":"positive","sentiment_score":0.5134020234857287},{"text":"Does she need us to send her the contributions form for her new employer at all?","start":585.27496,"end":589.855,"sentiment":"neutral","sentiment_score":0.05414331832434982},{"text":"Well, because we can get the the con I'll get the team just to get the contributions form from Netwealth anyway if you like and email it through to her.","start":595.23004,"end":602.895,"sentiment":"neutral","sentiment_score":0.12008734668294589},{"text":"That way, the contributions form is sent just to make it a bit easier.","start":603.135,"end":607.955,"sentiment":"neutral","sentiment_score":0.23509478036846435},{"text":"So when they ask for it, she'll have that information.","start":608.815,"end":611.695,"sentiment":"neutral","sentiment_score":0.04533371515572071}],"sentiment":"neutral","sentiment_score":0.15334274980251666,"num_words":77,"start":582.83496,"end":611.695},{"sentences":[{"text":"Is that okay?","start":611.695,"end":612.59503,"sentiment":"neutral","sentiment_score":0.08094363659620285},{"text":"Beautiful.","start":614.815,"end":615.315,"sentiment":"positive","sentiment_score":0.5859829187393188},{"text":"I'll get that sorted.","start":615.375,"end":616.495,"sentiment":"positive","sentiment_score":0.5188758224248886},{"text":"Not an issue at all.","start":616.495,"end":617.85504,"sentiment":"neutral","sentiment_score":0.17608223408460616},{"text":"In the meantime, I've booked you both in for another catch up around the July 6 at 02:30 Queensland time, which is 12:30 your time.","start":617.85504,"end":625.41,"sentiment":"neutral","sentiment_score":0.10768204569816589}],"sentiment":"neutral","sentiment_score":0.17044156397643842,"num_words":38,"start":611.695,"end":625.41},{"sentences":[{"text":"And in the meantime, we'll get that last pension payment drawn down on Thursday, the twenty fourth for Wednesday, the twenty fourth for you.","start":626.11,"end":633.49,"sentiment":"neutral","sentiment_score":0.15930921149750552},{"text":"And then after that, we'll get the forms done up so we can do the pension rollback into accumulation and make sure your last pension last contribution comes into super, and then we can start rolling over the money into the account based pension for you and draw down that $1.60 so you can pay your mortgage off.","start":633.885,"end":650.7,"sentiment":"neutral","sentiment_score":0.15429257074820585},{"text":"Does that sound alright?","start":650.7,"end":651.58,"sentiment":"neutral","sentiment_score":0.13037780672311783},{"text":"All good so far?","start":651.58,"end":652.64,"sentiment":"neutral","sentiment_score":0.2735706642270088},{"text":"Yep.","start":653.58,"end":654.08,"sentiment":"neutral","sentiment_score":0.2150699496269226}],"sentiment":"neutral","sentiment_score":0.16047531882157692,"num_words":91,"start":626.11,"end":654.08},{"sentences":[{"text":"Beautiful.","start":654.54004,"end":655.04004,"sentiment":"positive","sentiment_score":0.33909493684768677},{"text":"The rest of the strategy, I'll put on hold, and we'll we'll discuss that, make it easier on you.","start":655.18,"end":659.52,"sentiment":"neutral","sentiment_score":0.1322244233206699},{"text":"Yep.","start":660.22003,"end":660.72003,"sentiment":"neutral","sentiment_score":0.027169419452548027},{"text":"Sure.","start":668.55505,"end":668.955,"sentiment":"neutral","sentiment_score":0.004397086799144745},{"text":"You probably, technically you don't technically need one because we're just gonna tick a box to say that you've met the condition of release.","start":668.955,"end":678.74,"sentiment":"neutral","sentiment_score":-0.0004727151244878769}],"sentiment":"neutral","sentiment_score":0.062425659200095615,"num_words":46,"start":654.54004,"end":678.74},{"sentences":[{"text":"They're just gonna ask for your last day of work.","start":678.74,"end":681.24,"sentiment":"neutral","sentiment_score":-0.015400601224973798},{"text":"When is technically your last day of work?","start":682.1,"end":684.42,"sentiment":"neutral","sentiment_score":-0.017450995394028723},{"text":"Is it gonna be the twenty third or the '20 fourth?","start":684.42,"end":687.48,"sentiment":"neutral","sentiment_score":-0.012804902074011889},{"text":"Okay.","start":692.755,"end":693.255,"sentiment":"neutral","sentiment_score":-0.19630712270736697},{"text":"I'm so sorry.","start":694.115,"end":695.255,"sentiment":"neutral","sentiment_score":-0.19571943084398905}],"sentiment":"neutral","sentiment_score":-0.03690707010471008,"num_words":33,"start":678.74,"end":695.255},{"sentences":[{"text":"Oh, okay.","start":700.915,"end":701.795,"sentiment":"neutral","sentiment_score":0.11008852533996105},{"text":"I love that, actually.","start":701.795,"end":702.915,"sentiment":"positive","sentiment_score":0.43027937412261963},{"text":"That's fantastic.","start":702.915,"end":703.655,"sentiment":"positive","sentiment_score":0.7541253566741943},{"text":"Yep.","start":708.16003,"end":708.66003,"sentiment":"neutral","sentiment_score":-0.01821139082312584},{"text":"No.","start":709.52,"end":709.76,"sentiment":"neutral","sentiment_score":-0.12023628503084184}],"sentiment":"neutral","sentiment_score":0.33110975846648216,"num_words":10,"start":700.915,"end":709.76},{"sentences":[{"text":"That's okay.","start":709.76,"end":710.66003,"sentiment":"neutral","sentiment_score":-0.17284630239009857},{"text":"Yeah.","start":713.36,"end":713.86,"sentiment":"neutral","sentiment_score":-0.04658666253089905},{"text":"Yep.","start":714.72003,"end":715.22003,"sentiment":"neutral","sentiment_score":-0.04206378012895584},{"text":"Yeah.","start":724.815,"end":725.29504,"sentiment":"neutral","sentiment_score":-0.052651986479759216},{"text":"No.","start":725.29504,"end":725.53503,"sentiment":"neutral","sentiment_score":-0.09540602564811708}],"sentiment":"neutral","sentiment_score":-0.09706684326132138,"num_words":6,"start":709.76,"end":725.53503},{"sentences":[{"text":"It's not accrued the same way.","start":725.53503,"end":727.215,"sentiment":"neutral","sentiment_score":-0.11871858934561412},{"text":"So they don't normally pay it out.","start":727.215,"end":728.99506,"sentiment":"neutral","sentiment_score":-0.11939688878399986},{"text":"Yeah.","start":729.05505,"end":729.455,"sentiment":"neutral","sentiment_score":-0.04815351217985153},{"text":"No.","start":729.455,"end":729.85504,"sentiment":"neutral","sentiment_score":-0.026520896703004837},{"text":"Absolutely.","start":729.85504,"end":730.35504,"sentiment":"neutral","sentiment_score":0.036856066435575485}],"sentiment":"neutral","sentiment_score":-0.09911925625056028,"num_words":16,"start":725.53503,"end":730.35504},{"sentences":[{"text":"So what what I'll do is I'll tick on that form that you'll because you'll you'll technically, your date of retirement is the twenty fourth.","start":731.18,"end":736.62,"sentiment":"neutral","sentiment_score":0.031128361001610757},{"text":"We'll tick that that is the date on that form for you.","start":736.62,"end":740.31995,"sentiment":"neutral","sentiment_score":0.03801574790850282},{"text":"And the team the admin team will just be in contact to get your bank details.","start":740.38,"end":743.89996,"sentiment":"neutral","sentiment_score":0.005066179670393467},{"text":"I don't wanna sorta hold those on paper or anything until we need them.","start":743.89996,"end":747.275,"sentiment":"neutral","sentiment_score":-0.0972758454403707},{"text":"So when they're doing that up, they'll call and get your bank information so we can or we should have a on file here.","start":747.275,"end":754.715,"sentiment":"neutral","sentiment_score":0.016793775372207165}],"sentiment":"neutral","sentiment_score":0.003919182938861323,"num_words":91,"start":731.18,"end":754.715},{"sentences":[{"text":"So if they need it, they'll give you a call.","start":754.715,"end":756.315,"sentiment":"neutral","sentiment_score":0.02132662944495678},{"text":"If not, we might just confirm that you've got the bank details on file.","start":756.315,"end":760.335,"sentiment":"neutral","sentiment_score":0.015850302364145006},{"text":"I actually should be able to do that for you now.","start":761.64996,"end":764.13,"sentiment":"neutral","sentiment_score":0.136364799331535},{"text":"Let's see if I can have a look at the last application form for you, Neil.","start":764.13,"end":768.47,"sentiment":"neutral","sentiment_score":0.08363309036940336},{"text":"Might save you some time.","start":768.69,"end":770.07,"sentiment":"neutral","sentiment_score":0.10619540810585022}],"sentiment":"neutral","sentiment_score":0.06793374654703907,"num_words":56,"start":754.715,"end":770.07},{"sentences":[{"text":"What have we got?","start":772.20996,"end":773.27,"sentiment":"neutral","sentiment_score":0.022912809625267982},{"text":"Super.","start":773.97,"end":774.47,"sentiment":"neutral","sentiment_score":0.1414472758769989},{"text":"I believe it should have been on this other pension application form when we did your transition to retirement application form, but perfect.","start":776.57495,"end":787.475,"sentiment":"neutral","sentiment_score":0.04501237947007884},{"text":"Yeah.","start":791.05,"end":791.55,"sentiment":"neutral","sentiment_score":0.009834592230618},{"text":"Did you want us to go into a different account or to be okay?","start":792.73,"end":797.63,"sentiment":"neutral","sentiment_score":-0.025257518381944725}],"sentiment":"neutral","sentiment_score":0.021502618071471535,"num_words":43,"start":772.20996,"end":797.63},{"sentences":[{"text":"Yep.","start":799.20996,"end":799.45,"sentiment":"neutral","sentiment_score":0.01758595183491707},{"text":"That's okay.","start":799.45,"end":800.17,"sentiment":"neutral","sentiment_score":0.03617934137582779},{"text":"So the one I have on file is ending in 665.","start":800.17,"end":804.45496,"sentiment":"neutral","sentiment_score":0.009297074369070206},{"text":"It's a NAB account.","start":805.315,"end":806.595,"sentiment":"neutral","sentiment_score":0.026581841986626387},{"text":"Is that the one that you're gonna wanna use?","start":806.595,"end":808.535,"sentiment":"neutral","sentiment_score":0.03174647378424803}],"sentiment":"neutral","sentiment_score":0.021639188320410473,"num_words":27,"start":799.20996,"end":808.535},{"sentences":[{"text":"Yep.","start":810.035,"end":810.435,"sentiment":"neutral","sentiment_score":0.07545776665210724},{"text":"Beautiful.","start":810.435,"end":810.935,"sentiment":"positive","sentiment_score":0.36347267031669617},{"text":"I'll have the team do up the bank account information with the same details.","start":811.07495,"end":814.45496,"sentiment":"neutral","sentiment_score":0.16972551281963075},{"text":"I'll get them to give you a call, let you know when they're sending through those forms for you, But we'll let that first pen that last pension payment draw down so you're not short of anything.","start":814.595,"end":824.29,"sentiment":"neutral","sentiment_score":0.13129583464280978},{"text":"And then we'll get that rollback sorted, and we'll keep you in keep you in the loop of what's happening.","start":824.91,"end":830.61,"sentiment":"neutral","sentiment_score":0.13357304334640502}],"sentiment":"neutral","sentiment_score":0.1417054022624068,"num_words":73,"start":810.035,"end":830.61},{"sentences":[{"text":"Okay?","start":830.75,"end":831.25,"sentiment":"neutral","sentiment_score":0.05478241667151451},{"text":"Beautiful.","start":833.65497,"end":834.15497,"sentiment":"positive","sentiment_score":0.4873640835285187},{"text":"Beautiful.","start":834.45496,"end":834.935,"sentiment":"positive","sentiment_score":0.4851229190826416},{"text":"Well, thank you so much for the catch up.","start":834.935,"end":836.615,"sentiment":"positive","sentiment_score":0.554980629020267},{"text":"We'll get this started and sorted and get that pension drawn down so you can pay off your mortgage and be completely debt free.","start":836.615,"end":843.675,"sentiment":"positive","sentiment_score":0.4205634060005347}],"sentiment":"positive","sentiment_score":0.4476560229021642,"num_words":36,"start":830.75,"end":843.675},{"sentences":[{"text":"It's a nice feeling.","start":845.88,"end":847.02,"sentiment":"positive","sentiment_score":0.6623554825782776},{"text":"Oh, that'll are you gonna do anything to celebrate, go out for dinner, or anything fun?","start":850.12,"end":854.30005,"sentiment":"neutral","sentiment_score":0.24863373208791018},{"text":"I think you should.","start":857.57495,"end":858.535,"sentiment":"neutral","sentiment_score":0.18649311363697052},{"text":"A lot of people feel like they're never gonna be debt free, so it's definitely an accomplishment.","start":858.535,"end":863.255,"sentiment":"neutral","sentiment_score":0.28697490429177},{"text":"You should both be very happy with 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all of that, and I'll get the team to touch base as we're going through the process for you.","start":874.55,"end":880.15,"sentiment":"positive","sentiment_score":0.3426838504231494},{"text":"And I'll touch base again on the sixth at 02:30 to have a chat with you both and reassess your goals and the advice moving forward.","start":880.15,"end":886.735,"sentiment":"neutral","sentiment_score":0.26574613325870955},{"text":"Okay?","start":886.795,"end":887.295,"sentiment":"neutral","sentiment_score":0.1380421221256256},{"text":"Beautiful.","start":889.515,"end":890.015,"sentiment":"positive","sentiment_score":0.464263916015625},{"text":"Thank you so much for taking my call.","start":890.075,"end":891.755,"sentiment":"positive","sentiment_score":0.6062508746981621}],"sentiment":"positive","sentiment_score":0.3431091705116175,"num_words":59,"start":874.55,"end":891.755},{"sentences":[{"text":"And if you need anything new, you let me 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later.","start":903.20996,"end":904.02997,"sentiment":"positive","sentiment_score":0.476805180311203},{"text":"Bye.","start":904.08997,"end":904.58997,"sentiment":"neutral","sentiment_score":-0.08911396563053131}],"sentiment":"positive","sentiment_score":0.3353253938257694,"num_words":4,"start":903.20996,"end":904.58997}]}}]},{"alternatives":[{"transcript":"Hello? Neil speaking. Very well. Thank you. And yourself? Yes. Yes, sir. Yeah. Yeah. Neil Thomas Make. Twenty seventh to the tenth nineteen sixty four. 3 Rene Road Cable. Yep. Yes. Yep. Still retiring on Thursday. And yeah. Yep. My last employee contribution will go in, I'm gonna say, Tuesday next week. So, yeah, it'd be the thirtieth. Yeah. No. One more this week, I think, is due on the twenty fourth. Yep. Yep. Yep. Yes. Yeah. Catch up after yeah. Because I no. No. You go ahead. I was gonna say I was I was going to say that I've got I've got people throwing jobs at me. Yeah. But it's like, you know, having a rest first. I I suppose six weeks to two months. Yep. Yeah. Yep. Absolutely. Yep. Yep. Yep. Sounds good. Yes. It is. Yep. That'd be good. Yep. Yep. No. No. No. No. I couldn't a call earlier in the day would be good. No. 12:30 is good. Yep. Yes. Yep. Nope. None at all. No. Everything's still okay. The only thing that's changed has is that Caroline resigned from Hilton Foods as of last week. Yep. Yeah. Yeah. She wasn't wasn't dealing too well with the way they're treating her, which is fair. But she starts a new job next week. Yeah. She'll be working less hours. So to start with, it's only training and what have you to start with. I do remember they said that after September hours will pick up, but Carolyn will reassess by then as to whether she's still going to retire at 60 or not. She may like that job and wanna keep going. Yeah. Yeah. No. No. The Mondays are good because apparently, at the moment, she she can take Mondays and Fridays off. She has just required Tuesday, Wednesday, Thursday. Yep. Yep. Yep. Yep. Yes. Yep. Yes. Yeah. Yeah. I mean, it's been a bit daunting for her with all the new training and stuff that she's trying to do online. But we're not that way not that computer savvy. So, yeah, trying to work things out on the phone is a bit tough. No. It's totally different. It's still working in the supermarkets, but she'll be merchandiser. Yes. Yeah. I'm guessing they will probably give her one. Yep. Yep. Yep. I'm sorry. That'd be good. Yep. Sounds good. Yep. Yep. Sounds good. Sounds good. I think yeah. Yeah. The only other question I woulda had would be, do I still need a separation certificate? Yep. Yep. Well, my last actual day was over a month ago. I haven't been back. I've been unwell. No. No. I've been unwell using my sick leave. I've had I've had I've had over over five weeks of sick leaves. So and they don't and they don't pay it out. Some companies do, but, yeah, the bigger ones tend to not. So it's like, you know, I did say that, you know, is there any way I could get that paid out? You know, like, holiday pay off. I mean, I said, no. Company doesn't work that way. It's like, okay. Yeah. Yes. Yeah. No. That's fine. Yep. Okay. Yeah. Yeah. Because we go into the same account and then we'll just transfer it over, I suppose. No. No. No. No. Same account that the yep. Yes. Yep. Yep. Yep. Sounds good. Yes. So good. Yeah. Absolutely. More than likely. Yeah. Yes. We will. Yep. Sounds great. Alright. Thank you very much, Dana. Yes. You too. 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Neil speaking. Very well. Thank you. And yourself?\n\nYes. Yes, sir. Yeah. Yeah. Neil Thomas Make.\n\nTwenty seventh to the tenth nineteen sixty four. 3 Rene Road Cable. Yep. Yes. Yep.\n\nStill retiring on Thursday. And yeah. Yep. My last employee contribution will go in, I'm gonna say, Tuesday next week. So, yeah, it'd be the thirtieth.\n\nYeah. No. One more this week, I think, is due on the twenty fourth. Yep. Yep.\n\nYep. Yes. Yeah. Catch up after yeah. Because I no.\n\nNo. You go ahead. I was gonna say I was I was going to say that I've got I've got people throwing jobs at me. Yeah. But it's like, you know, having a rest first.\n\nI I suppose six weeks to two months. Yep. Yeah. Yep. Absolutely.\n\nYep. Yep. Yep. Sounds good. Yes.\n\nIt is. Yep. That'd be good. Yep. Yep.\n\nNo. No. No. No. I couldn't a call earlier in the day would be good.\n\nNo. 12:30 is good. Yep. Yes. Yep.\n\nNope. None at all. No. Everything's still okay. The only thing that's changed has is that Caroline resigned from Hilton Foods as of last week.\n\nYep. Yeah. Yeah. She wasn't wasn't dealing too well with the way they're treating her, which is fair. But she starts a new job next week.\n\nYeah. She'll be working less hours. So to start with, it's only training and what have you to start with. I do remember they said that after September hours will pick up, but Carolyn will reassess by then as to whether she's still going to retire at 60 or not. She may like that job and wanna keep going.\n\nYeah. Yeah. No. No. The Mondays are good because apparently, at the moment, she she can take Mondays and Fridays off.\n\nShe has just required Tuesday, Wednesday, Thursday. Yep. Yep. Yep. Yep.\n\nYes. Yep. Yes. Yeah. Yeah.\n\nI mean, it's been a bit daunting for her with all the new training and stuff that she's trying to do online. But we're not that way not that computer savvy. So, yeah, trying to work things out on the phone is a bit tough. No. It's totally different.\n\nIt's still working in the supermarkets, but she'll be merchandiser. Yes. Yeah. I'm guessing they will probably give her one. Yep.\n\nYep. Yep. I'm sorry. That'd be good. Yep.\n\nSounds good. Yep. Yep. Sounds good. Sounds good.\n\nI think yeah. Yeah. The only other question I woulda had would be, do I still need a separation certificate? Yep. Yep.\n\nWell, my last actual day was over a month ago. I haven't been back. I've been unwell. No. No.\n\nI've been unwell using my sick leave. I've had I've had I've had over over five weeks of sick leaves. So and they don't and they don't pay it out. Some companies do, but, yeah, the bigger ones tend to not. So it's like, you know, I did say that, you know, is there any way I could get that paid out?\n\nYou know, like, holiday pay off. I mean, I said, no. Company doesn't work that way. It's like, okay. Yeah.\n\nYes. Yeah. No. That's fine. Yep.\n\nOkay. Yeah. Yeah. Because we go into the same account and then we'll just transfer it over, I suppose. No.\n\nNo. No. No. Same account that the yep. Yes.\n\nYep. Yep. Yep. Sounds good. Yes.\n\nSo good. Yeah. Absolutely. More than likely. Yeah.\n\nYes. We will. Yep. Sounds great. Alright.\n\nThank you very much, Dana. Yes. You too. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.24,"end":0.48,"sentiment":"neutral","sentiment_score":0.010890972800552843},{"text":"Neil speaking.","start":0.48,"end":1.38,"sentiment":"neutral","sentiment_score":0.012475482188165188},{"text":"Very well.","start":5.2799997,"end":5.8399997,"sentiment":"positive","sentiment_score":0.49341410398483276},{"text":"Thank you.","start":5.8399997,"end":6.24,"sentiment":"positive","sentiment_score":0.5133516192436218},{"text":"And yourself?","start":6.24,"end":6.98,"sentiment":"neutral","sentiment_score":0.25412724167108536}],"sentiment":"neutral","sentiment_score":0.28418087410844034,"num_words":9,"start":0.24,"end":6.98},{"sentences":[{"text":"Yes.","start":22.885,"end":23.285,"sentiment":"neutral","sentiment_score":0.10020344704389572},{"text":"Yes, 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Neil speaking.\n\nChannel 0: Hi, Neil. It's Dana from OKIE Financial. How are you?\n\nChannel 1: Very well. Thank you. And yourself?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I had you booked in for a bit of a quick catch up this afternoon. Is now still a good time?\n\nFantastic. Before we jump into the call then, Neil, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yes. Yes, sir. Yeah.\n\nChannel 0: Fantastic. And, also, just to do a quick security check there with you as well, just to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Yeah. Neil Thomas Make. Twenty seventh\n\nChannel 0: Yep.\n\nChannel 1: to the tenth nineteen sixty four.\n\nChannel 0: Yep.\n\nChannel 1: 3 Rene Road Cable.\n\nChannel 0: Lovely. Thank you so much for that. So, Neil, with regard to the catch up, now we did that advice for you a few months back, and you're almost time to retire. So you can do that lump sum withdrawal.\n\nChannel 1: Yep.\n\nChannel 0: How's everything going? Have you given notice? Is your retirement date still coming up?\n\nChannel 1: Yes. Yep. Still\n\nChannel 0: We\n\nChannel 1: retiring\n\nChannel 0: had\n\nChannel 1: on Thursday.\n\nChannel 0: beautiful. Beautiful. Thursday.\n\nChannel 1: And yeah.\n\nChannel 0: Lovely. Now with the advice piece, we've done the investment switch, which is fantastic in both of your accounts. You still got your TTR open there. So with the first part of the advice, and I know we're gonna look at restructuring the rest of the advice, but we can look at that maybe in a couple of weeks. We'll just get this first strategy done for you,\n\nChannel 1: Yep.\n\nChannel 0: which is essentially too. As of the July 1, we roll back your TTR pension into accumulation and then roll back. So we'll probably do that roll back. Are you able to double check, or do you know when your last employer contribution should be going into your super as of yet?\n\nChannel 1: My last employee contribution will go in, I'm gonna say, Tuesday next week.\n\nChannel 0: Tuesday next week. Perfect.\n\nChannel 1: So, yeah, it'd be the thirtieth.\n\nChannel 0: Beautiful. What we'll do is I'll get the team at the end of this week to do up the forms for you to complete the rollback of your TCR pension into super. Would you like me to make sure you get one more pension paid down from your TTR pension before we roll back that back, or would you like to just have it done?\n\nChannel 1: Yeah. No. One more this week, I think, is due on the twenty fourth.\n\nChannel 0: Yep. Beautiful. Just to make sure that\n\nChannel 1: Yep.\n\nChannel 0: we do this in accordance with don't wanna leave you short of money. Make sure we get that done. So, yeah, the next one due on the '20\n\nChannel 1: Yep.\n\nChannel 0: fourth of the sixth for another $5.05 99 and 15¢ there. So I'll get the team to do up the forms that we need. We'll make sure they are submitted after the last pension payment for this financial year goes through. That rolls the account based pension back into accumulation. And then once it all goes back into your super, just making sure your last contribution comes in, and then we'll roll the full amount into the full account based pension so we can draw down that 160,000.\n\nDoes that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yes. Beautiful. I know the rest of the strategy there was to obviously stay in the account based pension phase. I know you were also considering after that point the possibility of, you know, going back to work. Did you want me to maybe do a bit of a catch up with you then and see if you want extra or if you need extra regular pension payments being drawn down, or\n\nChannel 1: Yes. Yeah.\n\nChannel 0: what's\n\nChannel 1: Catch\n\nChannel 0: the plan\n\nChannel 1: up after\n\nChannel 0: moving forward?\n\nChannel 1: yeah.\n\nChannel 0: Yeah. That's\n\nChannel 1: Because\n\nChannel 0: okay.\n\nChannel 1: I\n\nChannel 0: Just with income you're right. So sorry. Go ahead.\n\nChannel 1: no. No. You go ahead.\n\nChannel 0: No. No. What were you gonna say? Just in\n\nChannel 1: I\n\nChannel 0: case\n\nChannel 1: was\n\nChannel 0: it might\n\nChannel 1: gonna\n\nChannel 0: answer\n\nChannel 1: say\n\nChannel 0: my question.\n\nChannel 1: I was I was going to say that I've got I've got people throwing jobs at me.\n\nChannel 0: Okay. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: But it's\n\nChannel 0: Perfect.\n\nChannel 1: like, you know, having a rest first.\n\nChannel 0: Yeah. No. That's okay. Do you know how long you might be wanting to have a rest for? How long you'll\n\nChannel 1: I I suppose six weeks to two\n\nChannel 0: Yep. Okay. Cool. Because just sort of going through, having a look at strategy. So you're meant to get all of your sudden\n\nChannel 1: months.\n\nChannel 0: long service leave annual leave pay paid out,\n\nChannel 1: Yep.\n\nChannel 0: and having a look at what we sort of assessed, that was gonna give you enough income for, you know, basically until Carolyn turns 60. Is that still\n\nChannel 1: Yeah.\n\nChannel 0: the case with those payments? Do\n\nChannel 1: Yep.\n\nChannel 0: you feel like, again, it'd be a fairly good buffer for you?\n\nChannel 1: Absolutely.\n\nChannel 0: Yep. Beautiful. Well, what we might do is I will organize that one sixty. When we kinda get it all open, I'll organize that $1.60, as I said, to be paid down as the income payment there for you so you've met that requirement.\n\nChannel 1: Yep.\n\nChannel 0: And then if you like, once we get the account opened, I can then maybe just book you in for another quick catch up. We can talk then about how to proceed because I know you just wanted to reassess the rest of the advice piece. We can talk then about, you know, reassessing the advice piece and maybe updating that strategy and looking at what Carolyn wants to do when she turns 60 as well. Does that sound okay with you? Or\n\nChannel 1: Yep. Yep. Sounds\n\nChannel 0: Yep.\n\nChannel 1: good.\n\nChannel 0: Beautiful. Now I fully suspect that we should be right to probably I wanna book you in now. That way, I don't book up my calendar and you don't get left out. Just having a look. So now you retire on Thursday, which is so exciting.\n\nChannel 1: Yes. It\n\nChannel 0: If we\n\nChannel 1: is.\n\nChannel 0: get the forms all sorted for you at the end of this week, we should be able to send off and have organized for you next week, which is essentially the first week of July. If I maybe book you in for a catch up, say, Monday, July 6. Would that be okay?\n\nChannel 1: Yep. That'd be good.\n\nChannel 0: Yep. Beautiful. Now you will technically be fully retired then. I normally\n\nChannel 1: Yep.\n\nChannel 0: call you at sort of 04:00 your time in the afternoon. Would a call earlier in the day be okay, or would you still\n\nChannel 1: Yep.\n\nChannel 0: prefer something\n\nChannel 1: No. No.\n\nChannel 0: this\n\nChannel 1: No.\n\nChannel 0: time of\n\nChannel 1: No.\n\nChannel 0: the\n\nChannel 1: I\n\nChannel 0: afternoon?\n\nChannel 1: couldn't a\n\nChannel 0: Yep.\n\nChannel 1: call earlier in the day would be good.\n\nChannel 0: Excellent. What if I book it in for you for now? This is 02:30 my time, which is 12:30 your time. Would that be okay, or do you wanna be further after lunch?\n\nChannel 1: No. 12:30 is good.\n\nChannel 0: Is that okay? Yep.\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. I'll book that one in for you. That way because I know we sort of went through the first part of the strategy getting that 160 paid down and covering your mortgage. That was kind of the main priority of the strategy,\n\nChannel 1: Yes.\n\nChannel 0: and then just reassessing what happens when Carolyn turns 60, And maybe if you decide to, you know when you decide to maybe go back to work, if you don't need the pension account open, we look at maybe moving that back and what to sort of do there. So let's reassess that part of the strategy then, but we'll get this pension rollback sorted, get that $1.60 paid down so you can pay off your mortgage completely. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now do you have any questions in relation to the strategy at all? Or\n\nChannel 1: Nope.\n\nChannel 0: no. No. That's\n\nChannel 1: None\n\nChannel 0: okay. Do you have any other questions\n\nChannel 1: at\n\nChannel 0: for me or anything you wanted me to look at, or is\n\nChannel 1: all.\n\nChannel 0: everything still okay?\n\nChannel 1: No. Everything's still okay. The only thing that's changed has is that Caroline resigned from Hilton Foods as of last week.\n\nChannel 0: Oh,\n\nChannel 1: Yep.\n\nChannel 0: wow. That is\n\nChannel 1: Yeah.\n\nChannel 0: new. Okay.\n\nChannel 1: Yeah. She\n\nChannel 0: Wow.\n\nChannel 1: wasn't wasn't dealing too well with the way they're treating her, which is fair.\n\nChannel 0: No.\n\nChannel 1: But\n\nChannel 0: Yeah.\n\nChannel 1: she starts a new job next week.\n\nChannel 0: Okay. And\n\nChannel 1: Yeah.\n\nChannel 0: what kinda hours is Caroline gonna be working?\n\nChannel 1: She'll be working less hours. So to start with, it's only training and what have you to start with. I\n\nChannel 0: Yeah.\n\nChannel 1: do remember they said that after September hours\n\nChannel 0: Yeah.\n\nChannel 1: will pick up, but Carolyn will reassess by then as to whether she's still going to retire at 60 or not. She may like that job and wanna keep going.\n\nChannel 0: Okay. Yeah. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: So at the moment, do you think on on that Monday, is Carolyn gonna be available then? Because it'll probably be good to sort of assess her goals at the same time, or did\n\nChannel 1: Yeah.\n\nChannel 0: you want me to make it in the afternoon? Or\n\nChannel 1: No. No. The Mondays are good because apparently, at the moment, she she can take Mondays and Fridays off. She has\n\nChannel 0: yep.\n\nChannel 1: just required Tuesday, Wednesday, Thursday.\n\nChannel 0: Okay. Beautiful. Yeah. Well, if you're both\n\nChannel 1: Yep.\n\nChannel 0: available then at that 12:30 your time, 10:30 sorry. 02:30 my time.\n\nChannel 1: Yep. Yep.\n\nChannel 0: We'll have a bit of a catch, and we'll see how things are going. Because, yeah, obviously, the strategy was that Carolyn was gonna retire at 60\n\nChannel 1: Yep.\n\nChannel 0: when she does turn 60 there, but she may not want to anymore. So it'll be good to kind of gauge on what you're thinking you'd like to do down that track, and we'll see how we can sort of move forward for you. Okay?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Beautiful. Definitely something for her to think about. I love that.\n\nChannel 1: Yes. Yeah. Yeah. I mean,\n\nChannel 0: Wow.\n\nChannel 1: it's been a bit\n\nChannel 0: Oh,\n\nChannel 1: daunting for her with all the new training and stuff that she's trying to do online.\n\nChannel 0: yeah.\n\nChannel 1: But we're not\n\nChannel 0: Yeah.\n\nChannel 1: that way not that computer savvy. So, yeah, trying to work things out on the phone is a bit tough.\n\nChannel 0: Yeah. Understandable. Is it the same kind of work, or is it completely\n\nChannel 1: No.\n\nChannel 0: different?\n\nChannel 1: It's totally different. It's still working in the supermarkets, but she'll be\n\nChannel 0: Yep.\n\nChannel 1: merchandiser.\n\nChannel 0: Wow. Very different, isn't\n\nChannel 1: Yes.\n\nChannel 0: it?\n\nChannel 1: Yeah.\n\nChannel 0: Well, well, I hope she enjoys that. Does she need us to send her the contributions form for her new employer at all?\n\nChannel 1: I'm guessing they will probably give her one.\n\nChannel 0: Well, because we can get the the con I'll get the team just to get the contributions form from Netwealth anyway if you like and email it through to her. That\n\nChannel 1: Yep.\n\nChannel 0: way,\n\nChannel 1: Yep.\n\nChannel 0: the contributions form is sent just to make it a bit easier.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: I'm sorry.\n\nChannel 0: when\n\nChannel 1: That'd\n\nChannel 0: they\n\nChannel 1: be good.\n\nChannel 0: ask for it, she'll have that information. Is that okay?\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Beautiful. I'll get that sorted. Not an issue at all. In the meantime, I've booked you both in for another catch up around the July 6\n\nChannel 1: Yep.\n\nChannel 0: at 02:30 Queensland time, which is 12:30 your time.\n\nChannel 1: Yep.\n\nChannel 0: And in the meantime, we'll get that last pension payment drawn down on Thursday, the twenty fourth for Wednesday, the twenty fourth for you. And then after that, we'll get the forms done up so we can do the pension rollback into accumulation and make sure your last pension last contribution comes into super, and then we can start rolling over the money into the account based pension for you and draw down that $1.60 so you can pay your mortgage off. Does that sound alright? All good so far?\n\nChannel 1: Sounds good. Sounds good.\n\nChannel 0: Yep. Beautiful. The\n\nChannel 1: I think\n\nChannel 0: rest of the strategy, I'll put on hold, and we'll we'll discuss that, make it easier\n\nChannel 1: yeah.\n\nChannel 0: on you.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: The only other question I woulda had would be, do I still need a separation certificate?\n\nChannel 0: Sure. You probably, technically you don't technically need one because we're just gonna tick a box to say that you've met the condition of release. They're just gonna ask for your last day of work.\n\nChannel 1: Yep. Yep.\n\nChannel 0: When is technically your last day of work? Is it gonna be the twenty third or the '20\n\nChannel 1: Well,\n\nChannel 0: fourth?\n\nChannel 1: my last actual day was over a month ago. I haven't been back. I've been unwell.\n\nChannel 0: Okay. I'm so sorry.\n\nChannel 1: No. No. I've been unwell using my sick leave.\n\nChannel 0: Oh, okay. I\n\nChannel 1: I've\n\nChannel 0: love\n\nChannel 1: had\n\nChannel 0: that, actually. That's\n\nChannel 1: I've\n\nChannel 0: fantastic.\n\nChannel 1: had I've had over over five weeks of sick leaves.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: No. That's\n\nChannel 1: and they don't\n\nChannel 0: okay.\n\nChannel 1: and they don't pay it out. Some companies do, but,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, the\n\nChannel 0: Yep.\n\nChannel 1: bigger ones tend to not. So it's like, you know, I did say that, you know, is there any way I could get that paid out? You know, like, holiday pay off. I mean, I said, no. Company doesn't work that way.\n\nIt's like,\n\nChannel 0: Yeah.\n\nChannel 1: okay.\n\nChannel 0: No.\n\nChannel 1: Yeah.\n\nChannel 0: It's not accrued the same way. So they don't normally pay it out. Yeah. No. Absolutely.\n\nSo what what I'll do is I'll tick on that form that you'll because you'll you'll technically, your date of retirement is the twenty fourth. We'll tick that that is the date on that form for you. And the team the admin team will just be in contact to get your bank details. I don't wanna sorta hold those on paper or anything until\n\nChannel 1: Yes.\n\nChannel 0: we need\n\nChannel 1: Yeah.\n\nChannel 0: them.\n\nChannel 1: No.\n\nChannel 0: So\n\nChannel 1: That's fine.\n\nChannel 0: when they're doing that up, they'll call and get your bank information so we can or we should have a on file here. So if they need it, they'll give you a call. If not, we might just confirm that you've got the bank details on\n\nChannel 1: Yep.\n\nChannel 0: file.\n\nChannel 1: Okay.\n\nChannel 0: I actually should be able to do that for you now. Let's see if I can have a look at the last application form for you, Neil. Might save you some time.\n\nChannel 1: Yeah.\n\nChannel 0: What have we got? Super. I believe it should have been on this other pension application form when we did your transition to retirement application form, but\n\nChannel 1: Yeah. Because we\n\nChannel 0: perfect.\n\nChannel 1: go into the same account and then we'll just transfer it over, I suppose.\n\nChannel 0: Yeah. Did you want us to go into a different account\n\nChannel 1: No. No. No. No. Same\n\nChannel 0: or\n\nChannel 1: account\n\nChannel 0: to\n\nChannel 1: that\n\nChannel 0: be\n\nChannel 1: the\n\nChannel 0: okay?\n\nChannel 1: yep.\n\nChannel 0: Yep. That's okay. So the one I have on file is ending in 665.\n\nChannel 1: Yes.\n\nChannel 0: It's a NAB account. Is that the one that you're gonna wanna use?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. I'll have the team do up the bank account information with the same details. I'll get them to give you a call, let you know when they're sending through those forms for you, But we'll let that first pen that last pension payment draw down so you're not short of anything. And then we'll get that rollback sorted, and we'll keep you in keep you in the loop of what's happening.\n\nOkay?\n\nChannel 1: Yep. Yep. Sounds good.\n\nChannel 0: Beautiful. Beautiful. Well, thank you so much for the catch up. We'll get this started and sorted and get that pension drawn down so you can pay off your mortgage and be completely debt free.\n\nChannel 1: Yes. So good.\n\nChannel 0: It's a nice feeling.\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: Oh, that'll are you gonna do anything to celebrate, go out for dinner, or anything fun?\n\nChannel 1: More than likely.\n\nChannel 0: I think you should. A lot of people feel like they're never gonna be debt free, so it's definitely an accomplishment. You should both be very happy with that. And, yeah,\n\nChannel 1: Yeah.\n\nChannel 0: do something to celebrate. Enjoy yourself.\n\nChannel 1: Yes. We will.\n\nChannel 0: Fantastic. Well, I will let you go. I really appreciate you taking my call. We'll get started on all of that, and I'll get the team to touch base as we're going through the process for you. And I'll touch base again on the sixth at 02:30 to have a chat with you both and reassess your goals and the advice moving forward.\n\nOkay?\n\nChannel 1: Yep. Sounds great.\n\nChannel 0: Beautiful. Thank you so much for taking my call. And if you need anything new, you let me know. I'm always happy to help.\n\nChannel 1: Alright. Thank you very much, Dana.\n\nChannel 0: My pleasure. Enjoy your evening.\n\nChannel 1: Yes. You too.\n\nChannel 0: Thanks so much.\n\nChannel 1: Bye bye.\n\nChannel 0: See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.24,"end":0.48,"sentiment":"neutral","sentiment_score":0.010890972800552843},{"text":"Neil speaking.","start":0.48,"end":1.38,"sentiment":"neutral","sentiment_score":0.012475482188165188}],"sentiment":"neutral","sentiment_score":0.011947312392294407,"channel":1,"num_words":3,"start":0.24,"end":1.38},{"sentences":[{"text":"Hi, Neil.","start":2.0,"end":2.56,"sentiment":"neutral","sentiment_score":0.08486498147249222},{"text":"It's Dana from OKIE Financial.","start":2.56,"end":4.02,"sentiment":"neutral","sentiment_score":0.12279773056507111},{"text":"How are you?","start":4.16,"end":4.98,"sentiment":"neutral","sentiment_score":0.1321606437365214}],"sentiment":"neutral","sentiment_score":0.11802005469799041,"channel":0,"num_words":10,"start":2.0,"end":4.98},{"sentences":[{"text":"Very well.","start":5.2799997,"end":5.8399997,"sentiment":"positive","sentiment_score":0.49341410398483276},{"text":"Thank you.","start":5.8399997,"end":6.24,"sentiment":"positive","sentiment_score":0.5133516192436218},{"text":"And yourself?","start":6.24,"end":6.98,"sentiment":"neutral","sentiment_score":0.25412724167108536}],"sentiment":"positive","sentiment_score":0.42029765496651333,"channel":1,"num_words":6,"start":5.2799997,"end":6.98},{"sentences":[{"text":"I'm very well.","start":7.2,"end":8.16,"sentiment":"positive","sentiment_score":0.4587135811646779},{"text":"Thank you.","start":8.16,"end":8.559999,"sentiment":"positive","sentiment_score":0.5967157185077667},{"text":"Thanks for asking.","start":8.559999,"end":9.28,"sentiment":"positive","sentiment_score":0.5702506502469381},{"text":"I had you booked in for a bit of a quick catch up this afternoon.","start":9.28,"end":11.759999,"sentiment":"neutral","sentiment_score":0.18893710970878602},{"text":"Is now still a good time?","start":11.759999,"end":13.139999,"sentiment":"neutral","sentiment_score":0.15186728164553642}],"sentiment":"neutral","sentiment_score":0.27674429195708244,"channel":0,"num_words":29,"start":7.2,"end":13.139999},{"sentences":[{"text":"Fantastic.","start":14.905001,"end":15.405001,"sentiment":"positive","sentiment_score":0.4880118370056152},{"text":"Before we jump into the call then, Neil, just to let you know, we do record our calls for quality and training purposes.","start":16.025,"end":20.745,"sentiment":"neutral","sentiment_score":0.1518406233061915},{"text":"Are you happy for me to proceed with that?","start":20.745,"end":22.765,"sentiment":"neutral","sentiment_score":0.17243080337842306}],"sentiment":"neutral","sentiment_score":0.16764313343799475,"channel":0,"num_words":33,"start":14.905001,"end":22.765},{"sentences":[{"text":"Yes.","start":22.885,"end":23.285,"sentiment":"neutral","sentiment_score":0.10020344704389572},{"text":"Yes, sir.","start":23.285,"end":23.845001,"sentiment":"neutral","sentiment_score":0.13266365975141525},{"text":"Yeah.","start":23.845001,"end":24.345001,"sentiment":"neutral","sentiment_score":0.28602832555770874}],"sentiment":"neutral","sentiment_score":0.16288977302610874,"channel":1,"num_words":4,"start":22.885,"end":24.345001},{"sentences":[{"text":"Fantastic.","start":25.064999,"end":25.564999,"sentiment":"positive","sentiment_score":0.5148599147796631},{"text":"And, also, just to do a quick security check there with you as well, just to confirm your full name, your date of birth, and address I should have on file.","start":25.865,"end":32.269997,"sentiment":"neutral","sentiment_score":0.16384237908547925}],"sentiment":"neutral","sentiment_score":0.1748116770759225,"channel":0,"num_words":32,"start":25.064999,"end":32.269997},{"sentences":[{"text":"Yeah.","start":32.87,"end":33.35,"sentiment":"neutral","sentiment_score":0.03680659085512161},{"text":"Neil Thomas Make.","start":33.35,"end":34.629997,"sentiment":"neutral","sentiment_score":0.01728033988426129},{"text":"Twenty seventh","start":34.629997,"end":35.35,"sentiment":"neutral","sentiment_score":0.016905926167964935}],"sentiment":"neutral","sentiment_score":0.02040991047397256,"channel":1,"num_words":6,"start":32.87,"end":35.35},{"sentences":[{"text":"Yep.","start":34.969997,"end":35.469997,"sentiment":"neutral","sentiment_score":0.026736248284578323}],"sentiment":"neutral","sentiment_score":0.026736248284578323,"channel":0,"num_words":1,"start":34.969997,"end":35.469997},{"sentences":[{"text":"to the tenth nineteen sixty four.","start":35.35,"end":37.61,"sentiment":"neutral","sentiment_score":0.03440898687889179}],"sentiment":"neutral","sentiment_score":0.03440898687889179,"channel":1,"num_words":6,"start":35.35,"end":37.61},{"sentences":[{"text":"Yep.","start":38.01,"end":38.51,"sentiment":"neutral","sentiment_score":0.02700778096914291}],"sentiment":"neutral","sentiment_score":0.02700778096914291,"channel":0,"num_words":1,"start":38.01,"end":38.51},{"sentences":[{"text":"3 Rene Road Cable.","start":38.07,"end":39.53,"sentiment":"neutral","sentiment_score":0.03003403707407415}],"sentiment":"neutral","sentiment_score":0.03003403707407415,"channel":1,"num_words":4,"start":38.07,"end":39.53},{"sentences":[{"text":"Lovely.","start":40.265,"end":40.664997,"sentiment":"positive","sentiment_score":0.34941351413726807},{"text":"Thank you so much for that.","start":40.664997,"end":42.285,"sentiment":"positive","sentiment_score":0.49321697652339935},{"text":"So, Neil, with regard to the catch up, now we did that advice for you a few months back, and you're almost time to retire.","start":42.344997,"end":49.864998,"sentiment":"neutral","sentiment_score":0.12297615021467209},{"text":"So you can do that lump sum withdrawal.","start":49.864998,"end":51.725,"sentiment":"neutral","sentiment_score":0.1295636733993888}],"sentiment":"neutral","sentiment_score":0.18549071289598942,"channel":0,"num_words":40,"start":40.265,"end":51.725},{"sentences":[{"text":"Yep.","start":52.445,"end":52.945,"sentiment":"neutral","sentiment_score":0.045528337359428406}],"sentiment":"neutral","sentiment_score":0.045528337359428406,"channel":1,"num_words":1,"start":52.445,"end":52.945},{"sentences":[{"text":"How's everything going?","start":52.68,"end":54.12,"sentiment":"neutral","sentiment_score":0.055533360689878464},{"text":"Have you given notice?","start":54.12,"end":55.4,"sentiment":"neutral","sentiment_score":0.01387452194467187},{"text":"Is your retirement date still coming 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They organize a call to reassess his retirement strategy and discuss the possibility of a quick catch-up. The retirement process is discussed, and the speaker emphasizes the importance of booking in for a catch-up on July 1st to reassess his retirement goals. The agent will check bank details and update the customer on progress, and the customer will receive a contribution form and fill out a separation certificate. The agent will check the customer's bank details and contact the admin team for further information."},"intents":{"segments":[{"text":"Before we jump into the call then, Neil, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yes.","start_word":49,"end_word":81,"intents":[{"intent":"Verify call recording","confidence_score":0.00016451655}]},{"text":"Is your retirement date still coming up?","start_word":183,"end_word":189,"intents":[{"intent":"Specify retirement date","confidence_score":0.00016529973}]},{"text":"Now with the advice piece, we've done the investment switch, which is fantastic in both of your accounts. You still got your TTR open there. So with the first part of the advice, and I know we're gonna look at restructuring the rest of the advice, but we can look at that maybe in a couple of weeks.","start_word":204,"end_word":261,"intents":[{"intent":"Discuss restructure and investment strategy","confidence_score":0.000020381194}]},{"text":"As of the July 1, we roll back your TTR pension into accumulation and then roll back. So we'll probably do that roll back.","start_word":276,"end_word":299,"intents":[{"intent":"Plan tr pension roll back","confidence_score":0.00086766086}]},{"text":"What we'll do is I'll get the team at the end of this week to do up the forms for you to complete the rollback of your TCR pension into super. Would you like me to make sure you get one more pension paid down from your TTR pension before we roll back that back, or would you like to just have it done? Yeah.","start_word":348,"end_word":412,"intents":[{"intent":"Complete retirement rollback","confidence_score":0.0065432913}]},{"text":"Would you like me to make sure you get one more pension paid down from your TTR pension before we roll back that back, or would you like to just have it done? Yeah.","start_word":379,"end_word":412,"intents":[{"intent":"Arrange further pension payments","confidence_score":0.0012280806}]},{"text":"So now you retire on Thursday, which is so exciting. Yes.","start_word":987,"end_word":997,"intents":[{"intent":"Plan retirement plan","confidence_score":0.0060552633}]},{"text":"I normally Yep. call you at sort of 04:00 your time in the afternoon. Would a call earlier in the day be okay, or would you still Yep. prefer something No.","start_word":1070,"end_word":1100,"intents":[{"intent":"Book call","confidence_score":0.08853089}]},{"text":"So to start with, it's only training and what have you to start with. I Yeah. do remember they said that after September hours Yeah. will pick up, but Carolyn will reassess by then as to whether she's still going to retire at 60 or not. She may like that job and wanna keep going. Okay. Yeah.","start_word":1403,"end_word":1459,"intents":[{"intent":"Educate about retirement plans","confidence_score":0.0028619538}]},{"text":"Does she need us to send her the contributions form for her new employer at all?","start_word":1736,"end_word":1751,"intents":[{"intent":"Send contributions form","confidence_score":0.46325076}]},{"text":"So I'm sorry. when That'd they be good. ask for it, she'll have that information. Is that okay? Yep.","start_word":1807,"end_word":1825,"intents":[{"intent":"Provide information","confidence_score":0.044400573}]},{"text":"In the meantime, I've booked you both in for another catch up around the July 6 Yep. at 02:30 Queensland time, which is 12:30 your time.","start_word":1838,"end_word":1863,"intents":[{"intent":"Schedule catch up","confidence_score":0.25179812}]},{"text":"In the meantime, I've booked you both in for another catch up around the July 6 Yep. at 02:30 Queensland time, which is 12:30 your time. Yep.","start_word":1838,"end_word":1864,"intents":[{"intent":"Arrange retirement","confidence_score":0.0044523724}]},{"text":"The I think rest of the strategy, I'll put on hold, and we'll we'll discuss that, make it easier yeah. on you. Yeah.","start_word":1961,"end_word":1983,"intents":[{"intent":"Discuss strategy","confidence_score":0.37693542}]},{"text":"The only other question I woulda had would be, do I still need a separation certificate? Sure.","start_word":1985,"end_word":2001,"intents":[{"intent":"Ask about separation certificate","confidence_score":0.014467797}]},{"text":"I've had I've had over over five weeks of sick leaves. Yep. So No.","start_word":2097,"end_word":2110,"intents":[{"intent":"Confirm information about sick leave","confidence_score":0.0002531128}]},{"text":"That's and they don't okay. and they don't pay it out. Some companies do, but, Yeah. yeah, the Yep. bigger ones tend to not. So it's like, you know, I did say that, you know, is there any way I could get that paid out?","start_word":2111,"end_word":2155,"intents":[{"intent":"Confirm payment plan","confidence_score":0.0004084812}]},{"text":"So what what I'll do is I'll tick on that form that you'll because you'll you'll technically, your date of retirement is the twenty fourth. We'll tick that that is the date on that form for you.","start_word":2194,"end_word":2230,"intents":[{"intent":"Update application form","confidence_score":0.0001317373}]},{"text":"So That's fine. when they're doing that up, they'll call and get your bank information so we can or we should have a on file here. So if they need it, they'll give you a call. If not, we might just confirm that you've got the bank details on Yep. file.","start_word":2264,"end_word":2314,"intents":[{"intent":"Confirm bank details","confidence_score":0.12343884}]},{"text":"I actually should be able to do that for you now. Let's see if I can have a look at the last application form for you, Neil. Might save you some time. Yeah.","start_word":2316,"end_word":2348,"intents":[{"intent":"Review application form","confidence_score":0.0014679369}]},{"text":"go into the same account and then we'll just transfer it over, I suppose. Yeah.","start_word":2380,"end_word":2394,"intents":[{"intent":"Transfer to account","confidence_score":0.49104667}]},{"text":"I'll have the team do up the bank account information with the same details. I'll get them to give you a call, let you know when they're sending through those forms for you, But we'll let that first pen that last pension payment draw down so you're not short of anything. And then we'll get that rollback sorted, and we'll keep you in keep you in the loop of what's happening. Okay? Yep.","start_word":2449,"end_word":2521,"intents":[{"intent":"Sort pension with notes","confidence_score":1.7023787e-8},{"intent":"Let team notify","confidence_score":7.7324995e-7}]},{"text":"Well, I will let you go. I really appreciate you taking my call. We'll get started on all of that, and I'll get the team to touch base as we're going through the process for you. And I'll touch base again on the sixth at 02:30 to have a chat with you both and reassess your goals and the advice moving forward. Okay? Yep.","start_word":2630,"end_word":2693,"intents":[{"intent":"Reassess goals and advice","confidence_score":0.010074241}]},{"text":"Thank you so much for taking my call. And if you need anything new, you let me know. I'm always happy to help. Alright.","start_word":2697,"end_word":2720,"intents":[{"intent":"Assist with concerns and changes","confidence_score":1.6378581e-7}]}]},"sentiments":{"segments":[{"text":"Hello? Neil speaking. Hi, Neil. It's Dana from OKIE Financial. How are you?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.09383996576070786},{"text":"Very well. Thank you.","start_word":13,"end_word":16,"sentiment":"positive","sentiment_score":0.48754674196243286},{"text":"And yourself?","start_word":17,"end_word":18,"sentiment":"neutral","sentiment_score":0.26746708154678345},{"text":"I'm very well. Thank you. Thanks for asking.","start_word":19,"end_word":26,"sentiment":"positive","sentiment_score":0.5148841142654419},{"text":"I had you booked in for a bit of a quick catch up this afternoon. Is now still a good time?","start_word":27,"end_word":47,"sentiment":"neutral","sentiment_score":0.178432896733284},{"text":"Fantastic.","start_word":48,"end_word":48,"sentiment":"positive","sentiment_score":0.4880118370056152},{"text":"Before we jump into the call then, Neil, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yes. Yes, sir. Yeah.","start_word":49,"end_word":84,"sentiment":"neutral","sentiment_score":0.157046377658844},{"text":"Fantastic.","start_word":85,"end_word":85,"sentiment":"positive","sentiment_score":0.5148599147796631},{"text":"And, also, just to do a quick security check there with you as well, just to confirm your full name, your date of birth, and address I should have on file. Yeah. Neil Thomas Make. Twenty seventh Yep. to the tenth nineteen sixty four. Yep. 3 Rene Road Cable.","start_word":86,"end_word":134,"sentiment":"neutral","sentiment_score":0.10489434748888016},{"text":"Lovely. Thank you so much for that.","start_word":135,"end_word":141,"sentiment":"positive","sentiment_score":0.4578488767147064},{"text":"So, Neil, with regard to the catch up, now we did that advice for you a few months back, and you're almost time to retire. So you can do that lump sum withdrawal. Yep. How's everything going? Have you given notice? Is your retirement date still coming up? Yes. Yep. Still We retiring had on Thursday.","start_word":142,"end_word":197,"sentiment":"neutral","sentiment_score":0.08421925455331802},{"text":"beautiful. Beautiful.","start_word":198,"end_word":199,"sentiment":"positive","sentiment_score":0.3659982681274414},{"text":"Thursday. And yeah. Lovely. Now with the advice piece, we've done the investment switch, which is fantastic in both of your accounts. You still got your TTR open there. So with the first part of the advice, and I know we're gonna look at restructuring the rest of the advice, but we can look at that maybe in a couple of weeks. We'll just get this first strategy done for you, Yep. which is essentially too. As of the July 1, we roll back your TTR pension into accumulation and then roll back. So we'll probably do that roll back. Are you able to double check, or do you know when your last employer contribution should be going into your super as of yet? My last employee contribution will go in, I'm gonna say, Tuesday next week. Tuesday next week. Perfect. So, yeah, it'd be the thirtieth.","start_word":200,"end_word":346,"sentiment":"neutral","sentiment_score":0.08647265285253525},{"text":"Beautiful.","start_word":347,"end_word":347,"sentiment":"positive","sentiment_score":0.6240241527557373},{"text":"What we'll do is I'll get the team at the end of this week to do up the forms for you to complete the rollback of your TCR pension into super. Would you like me to make sure you get one more pension paid down from your TTR pension before we roll back that back, or would you like to just have it done? Yeah. No. One more this week, I think, is due on the twenty fourth. Yep.","start_word":348,"end_word":426,"sentiment":"neutral","sentiment_score":0.07153429836034775},{"text":"Beautiful.","start_word":427,"end_word":427,"sentiment":"positive","sentiment_score":0.5148853063583374},{"text":"Just to make sure that Yep. we do this in accordance with don't wanna leave you short of money. Make sure we get that done. So, yeah, the next one due on the '20 Yep. fourth of the sixth for another $5.05 99 and 15<unk> there. So I'll get the team to do up the forms that we need. We'll make sure they are submitted after the last pension payment for this financial year goes through. That rolls the account based pension back into accumulation. And then once it all goes back into your super, just making sure your last contribution comes in, and then we'll roll the full amount into the full account based pension so we can draw down that 160,000. Does that make sense? Yep. Yes.","start_word":428,"end_word":557,"sentiment":"neutral","sentiment_score":0.1177125871181488},{"text":"Beautiful.","start_word":558,"end_word":558,"sentiment":"positive","sentiment_score":0.39023539423942566},{"text":"I know the rest of the strategy there was to obviously stay in the account based pension phase. I know you were also considering after that point the possibility of, you know, going back to work. Did you want me to maybe do a bit of a catch up with you then and see if you want extra or if you need extra regular pension payments being drawn down, or Yes. Yeah. what's Catch the plan up after moving forward? yeah. Yeah. That's Because okay. I Just with income you're right. So sorry. Go ahead. no. No. You go ahead. No. No. What were you gonna say? Just in I case was it might gonna answer say my question. I was I was going to say that I've got I've got people throwing jobs at me. Okay. Okay. Yeah. Perfect. But it's Perfect. like, you know, having a rest first. Yeah. No. That's okay. Do you know how long you might be wanting to have a rest for? How long you'll I I suppose six weeks to two Yep. Okay.","start_word":559,"end_word":737,"sentiment":"neutral","sentiment_score":0.022521683623670866},{"text":"Cool.","start_word":738,"end_word":738,"sentiment":"positive","sentiment_score":0.4620236158370972},{"text":"Because just sort of going through, having a look at strategy. So you're meant to get all of your sudden months. long service leave annual leave pay paid out, Yep. and having a look at what we sort of assessed, that was gonna give you enough income for, you know, basically until Carolyn turns 60. Is that still Yeah. the case with those payments? Do Yep. you feel like, again, it'd be a fairly good buffer for you?","start_word":739,"end_word":816,"sentiment":"neutral","sentiment_score":0.09826336055994034},{"text":"Absolutely.","start_word":817,"end_word":817,"sentiment":"positive","sentiment_score":0.3341917097568512},{"text":"Yep.","start_word":818,"end_word":818,"sentiment":"neutral","sentiment_score":0.31854483485221863},{"text":"Beautiful.","start_word":819,"end_word":819,"sentiment":"positive","sentiment_score":0.5726372003555298},{"text":"Well, what we might do is I will organize that one sixty. When we kinda get it all open, I'll organize that $1.60, as I said, to be paid down as the income payment there for you so you've met that requirement. Yep. And then if you like, once we get the account opened, I can then maybe just book you in for another quick catch up. We can talk then about how to proceed because I know you just wanted to reassess the rest of the advice piece. We can talk then about, you know, reassessing the advice piece and maybe updating that strategy and looking at what Carolyn wants to do when she turns 60 as well. Does that sound okay with you? Or Yep. Yep. Sounds Yep.","start_word":820,"end_word":949,"sentiment":"neutral","sentiment_score":0.13487114012241364},{"text":"good. Beautiful.","start_word":950,"end_word":951,"sentiment":"positive","sentiment_score":0.4852534532546997},{"text":"Now I fully suspect that we should be right to probably I wanna book you in now. That way, I don't book up my calendar and you don't get left out. Just having a look.","start_word":952,"end_word":986,"sentiment":"neutral","sentiment_score":0.0969552993774414},{"text":"So now you retire on Thursday, which is so exciting.","start_word":987,"end_word":996,"sentiment":"positive","sentiment_score":0.38037747144699097},{"text":"Yes. It If we is. get the forms all sorted for you at the end of this week, we should be able to send off and have organized for you next week, which is essentially the first week of July. If I maybe book you in for a catch up, say, Monday, July 6. Would that be okay? Yep.","start_word":997,"end_word":1055,"sentiment":"neutral","sentiment_score":0.1691007763147354},{"text":"That'd be good.","start_word":1056,"end_word":1058,"sentiment":"positive","sentiment_score":0.4609031081199646},{"text":"Yep.","start_word":1059,"end_word":1059,"sentiment":"neutral","sentiment_score":0.28281691670417786},{"text":"Beautiful.","start_word":1060,"end_word":1060,"sentiment":"positive","sentiment_score":0.5605884790420532},{"text":"Now you will technically be fully retired then. I normally Yep. call you at sort of 04:00 your time in the afternoon. Would a call earlier in the day be okay, or would you still Yep. prefer something No. No. this No. time of No. the I afternoon? couldn't a Yep. call earlier in the day would be good.","start_word":1061,"end_word":1119,"sentiment":"neutral","sentiment_score":0.017874929896098072},{"text":"Excellent.","start_word":1120,"end_word":1120,"sentiment":"positive","sentiment_score":0.5063735246658325},{"text":"What if I book it in for you for now? This is 02:30 my time, which is 12:30 your time. Would that be okay, or do you wanna be further after lunch? No. 12:30 is good. Is that okay? Yep. Yep.","start_word":1121,"end_word":1161,"sentiment":"neutral","sentiment_score":0.06944099068641663},{"text":"Fantastic. I'll book that one in for you.","start_word":1162,"end_word":1169,"sentiment":"positive","sentiment_score":0.5807701349258423},{"text":"That way because I know we sort of went through the first part of the strategy getting that 160 paid down and covering your mortgage. That was kind of the main priority of the strategy, Yes. and then just reassessing what happens when Carolyn turns 60, And maybe if you decide to, you know when you decide to maybe go back to work, if you don't need the pension account open, we look at maybe moving that back and what to sort of do there. So let's reassess that part of the strategy then, but we'll get this pension rollback sorted, get that $1.60 paid down so you can pay off your mortgage completely. Okay? Yep.","start_word":1170,"end_word":1285,"sentiment":"neutral","sentiment_score":0.16821278631687164},{"text":"Perfect.","start_word":1286,"end_word":1286,"sentiment":"positive","sentiment_score":0.34222811460494995},{"text":"Now do you have any questions in relation to the strategy at all? Or Nope. no. No. That's None okay. Do you have any other questions at for me or anything you wanted me to look at, or is all. everything still okay? No. Everything's still okay. The only thing that's changed has is that Caroline resigned from Hilton Foods as of last week. Oh, Yep. wow. That is Yeah. new. Okay. Yeah. She Wow. wasn't wasn't dealing too well with the way they're treating her, which is fair. No. But Yeah. she starts a new job next week. Okay. And Yeah. what kinda hours is Caroline gonna be working? She'll be working less hours. So to start with, it's only training and what have you to start with. I Yeah. do remember they said that after September hours Yeah. will pick up, but Carolyn will reassess by then as to whether she's still going to retire at 60 or not. She may like that job and wanna keep going. Okay. Yeah. Absolutely. Yeah. So at the moment, do you think on on that Monday, is Carolyn gonna be available then? Because it'll probably be good to sort of assess her goals at the same time, or did Yeah. you want me to make it in the afternoon? Or No. No. The Mondays are good because apparently, at the moment, she she can take Mondays and Fridays off. She has yep. just required Tuesday, Wednesday, Thursday. Okay. Beautiful. Yeah. Well, if you're both Yep. available then at that 12:30 your time, 10:30 sorry. 02:30 my time. Yep. Yep. We'll have a bit of a catch, and we'll see how things are going. Because, yeah, obviously, the strategy was that Carolyn was gonna retire at 60 Yep. when she does turn 60 there, but she may not want to anymore. So it'll be good to kind of gauge on what you're thinking you'd like to do down that track, and we'll see how we can sort of move forward for you. Okay? Yes. Yep.","start_word":1287,"end_word":1629,"sentiment":"neutral","sentiment_score":-0.007368979687767196},{"text":"Beautiful. Definitely something for her to think about. I love that.","start_word":1630,"end_word":1640,"sentiment":"positive","sentiment_score":0.5408408045768738},{"text":"Yes. Yeah. Yeah. I mean, Wow. it's been a bit Oh, daunting for her with all the new training and stuff that she's trying to do online. yeah. But we're not Yeah. that way not that computer savvy. So, yeah, trying to work things out on the phone is a bit tough. Yeah. Understandable. Is it the same kind of work, or is it completely No. different? It's totally different. It's still working in the supermarkets, but she'll be Yep. merchandiser. Wow. Very different, isn't Yes. it? Yeah.","start_word":1641,"end_word":1728,"sentiment":"neutral","sentiment_score":-0.11904838681221008},{"text":"Well, well, I hope she enjoys that.","start_word":1729,"end_word":1735,"sentiment":"positive","sentiment_score":0.5023665428161621},{"text":"Does she need us to send her the contributions form for her new employer at all? I'm guessing they will probably give her one. Well, because we can get the the con I'll get the team just to get the contributions form from Netwealth anyway if you like and email it through to her. That Yep. way, Yep. the contributions form is sent just to make it a bit easier. Yep. So I'm sorry. when That'd they be good. ask for it, she'll have that information. Is that okay? Yep.","start_word":1736,"end_word":1825,"sentiment":"neutral","sentiment_score":0.10396714508533478},{"text":"Sounds good. Beautiful. I'll get that sorted.","start_word":1826,"end_word":1832,"sentiment":"positive","sentiment_score":0.5001885294914246},{"text":"Not an issue at all. In the meantime, I've booked you both in for another catch up around the July 6 Yep. at 02:30 Queensland time, which is 12:30 your time. Yep. And in the meantime, we'll get that last pension payment drawn down on Thursday, the twenty fourth for Wednesday, the twenty fourth for you. And then after that, we'll get the forms done up so we can do the pension rollback into accumulation and make sure your last pension last contribution comes into super, and then we can start rolling over the money into the account based pension for you and draw down that $1.60 so you can pay your mortgage off. Does that sound alright? All good so far? Sounds good. Sounds good. Yep.","start_word":1833,"end_word":1959,"sentiment":"neutral","sentiment_score":0.15356862545013428},{"text":"Beautiful.","start_word":1960,"end_word":1960,"sentiment":"positive","sentiment_score":0.33909493684768677},{"text":"The I think rest of the strategy, I'll put on hold, and we'll we'll discuss that, make it easier yeah. on you. Yeah. Yep. The only other question I woulda had would be, do I still need a separation certificate? Sure. You probably, technically you don't technically need one because we're just gonna tick a box to say that you've met the condition of release. They're just gonna ask for your last day of work. Yep. Yep. When is technically your last day of work? Is it gonna be the twenty third or the '20 Well, fourth? my last actual day was over a month ago. I haven't been back. I've been unwell. Okay. I'm so sorry. No. No. I've been unwell using my sick leave. Oh, okay.","start_word":1961,"end_word":2088,"sentiment":"neutral","sentiment_score":-0.01778434896550607},{"text":"I I've love had that, actually. That's fantastic.","start_word":2089,"end_word":2096,"sentiment":"positive","sentiment_score":0.5503327250480652},{"text":"I've had I've had over over five weeks of sick leaves. Yep. So No. That's and they don't okay. and they don't pay it out. Some companies do, but, Yeah. yeah, the Yep. bigger ones tend to not. So it's like, you know, I did say that, you know, is there any way I could get that paid out? You know, like, holiday pay off. I mean, I said, no. Company doesn't work that way. It's like, Yeah. okay. No. Yeah. It's not accrued the same way. So they don't normally pay it out. Yeah. No. Absolutely. So what what I'll do is I'll tick on that form that you'll because you'll you'll technically, your date of retirement is the twenty fourth. We'll tick that that is the date on that form for you. And the team the admin team will just be in contact to get your bank details. I don't wanna sorta hold those on paper or anything until Yes. we need Yeah. them. No. So That's fine. when they're doing that up, they'll call and get your bank information so we can or we should have a on file here. So if they need it, they'll give you a call. If not, we might just confirm that you've got the bank details on Yep. file. Okay. I actually should be able to do that for you now. Let's see if I can have a look at the last application form for you, Neil. Might save you some time. Yeah. What have we got? Super. I believe it should have been on this other pension application form when we did your transition to retirement application form, but Yeah. Because we perfect. go into the same account and then we'll just transfer it over, I suppose. Yeah. Did you want us to go into a different account No. No. No. No. Same or account to be that okay? the yep. Yep. That's okay. So the one I have on file is ending in 665. Yes. It's a NAB account. Is that the one that you're gonna wanna use? Yep. Yep.","start_word":2097,"end_word":2447,"sentiment":"neutral","sentiment_score":-0.005959768142774064},{"text":"Beautiful.","start_word":2448,"end_word":2448,"sentiment":"positive","sentiment_score":0.36347267031669617},{"text":"I'll have the team do up the bank account information with the same details. I'll get them to give you a call, let you know when they're sending through those forms for you, But we'll let that first pen that last pension payment draw down so you're not short of anything. And then we'll get that rollback sorted, and we'll keep you in keep you in the loop of what's happening. Okay? Yep. Yep.","start_word":2449,"end_word":2522,"sentiment":"neutral","sentiment_score":0.13457052409648895},{"text":"Sounds good. Beautiful. Beautiful. Well, thank you so much for the catch up. We'll get this started and sorted and get that pension drawn down so you can pay off your mortgage and be completely debt free. Yes. So good. It's a nice feeling. Yeah. Absolutely.","start_word":2523,"end_word":2568,"sentiment":"positive","sentiment_score":0.47037357091903687},{"text":"Oh, that'll are you gonna do anything to celebrate, go out for dinner, or anything fun? More than likely. I think you should. A lot of people feel like they're never gonna be debt free, so it's definitely an accomplishment.","start_word":2569,"end_word":2608,"sentiment":"neutral","sentiment_score":0.2586222290992737},{"text":"You should both be very happy with that.","start_word":2609,"end_word":2616,"sentiment":"positive","sentiment_score":0.46407297253608704},{"text":"And, yeah, Yeah. do something to celebrate.","start_word":2617,"end_word":2623,"sentiment":"neutral","sentiment_score":0.22151464223861697},{"text":"Enjoy yourself.","start_word":2624,"end_word":2625,"sentiment":"positive","sentiment_score":0.36159759759902954},{"text":"Yes. We will.","start_word":2626,"end_word":2628,"sentiment":"neutral","sentiment_score":0.22654838860034943},{"text":"Fantastic.","start_word":2629,"end_word":2629,"sentiment":"positive","sentiment_score":0.4262527823448181},{"text":"Well, I will let you go.","start_word":2630,"end_word":2635,"sentiment":"neutral","sentiment_score":0.32533955574035645},{"text":"I really appreciate you taking my call. We'll get started on all of that, and I'll get the team to touch base as we're going through the process for you.","start_word":2636,"end_word":2665,"sentiment":"positive","sentiment_score":0.3796474933624267},{"text":"And I'll touch base again on the sixth at 02:30 to have a chat with you both and reassess your goals and the advice moving forward. Okay? Yep.","start_word":2666,"end_word":2693,"sentiment":"neutral","sentiment_score":0.2496962547302246},{"text":"Sounds great. Beautiful. Thank you so much for taking my call. And if you need anything new, you let me know. I'm always happy to help.","start_word":2694,"end_word":2719,"sentiment":"positive","sentiment_score":0.489823579788208},{"text":"Alright.","start_word":2720,"end_word":2720,"sentiment":"neutral","sentiment_score":0.26096099615097046},{"text":"Thank you very much, Dana. My pleasure. Enjoy your evening. Yes. You too. Thanks so much. Bye bye. See you later.","start_word":2721,"end_word":2741,"sentiment":"positive","sentiment_score":0.6251316056365058},{"text":"Bye.","start_word":2742,"end_word":2742,"sentiment":"neutral","sentiment_score":0.24702534079551697}],"average":{"sentiment":"neutral","sentiment_score":0.09836755233287936}}}}